Home > The Bank of Herrin > Performance and Condition Ratios
The Bank of Herrin, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8854% | 3,286 |
| Cost of funding earning assets | 1.5328% | 3,289 |
| Net interest margin | 3.3527% | 2,389 |
| Noninterest income to average assets | 0.4600% | 2,109 |
| Noninterest expense to average assets | 2.8415% | 1,428 |
| Loan and lease loss provision to assets | -0.1400% | 4,396 |
| Net operating income to assets | 0.9191% | 2,324 |
| Return on assets (ROA) | 0.9191% | 2,323 |
| Pretax return on assets | 0.9191% | 2,753 |
| Return on Equity (ROE) | 21.7700% | 300 |
| Retained earnings to average equity (ytd only) | 6.1058% | 1,784 |
| Net charge-offs to loans | -0.6677% | 4,507 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 78.5841% | 1,160 |
| Assets per employee ($millions) | 5.6575% | 3,160 |
| Cash dividends to net income (ytd only)* | 71.9496% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4776% | 1,079 |
| Loan loss allowance to noncurrent loans | 208.4631% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 0.4452% | 1,585 |
| Noncurrent loans to loans | 0.7088% | 1,389 |
| Net loans and leases to total assets | 61.5100% | 2,801 |
| Net loans and leases to deposits | 64.4906% | 3,312 |
| Net loans and leases to core deposits | 75.9572% | 3,043 |
| Total domestic deposits to total assets | 95.3700% | 44 |
| Equity capital to assets | 4.3281% | 4,407 |
| Core capital (leverage) ratio | 9.1710% | 3,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4176% | 2,074 |
| Memoranda: | ||
| Average total assets | $328,141,200 | 2,321 |
| Average earning assets | $308,917,800 | 2,297 |
| Average equity | $13,855,600 | 3,432 |
| Average total loans | $202,195,400 | 2,353 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8461% | 3,301 |
| Cost of funding earning assets | 1.4988% | 3,359 |
| Net interest margin | 3.3473% | 2,349 |
| Noninterest income to average assets | 0.4700% | 2,018 |
| Noninterest expense to average assets | 2.6860% | 1,720 |
| Loan and lease loss provision to assets | 0.0600% | 1,841 |
| Net operating income to assets | 0.8737% | 2,463 |
| Return on assets (ROA) | 0.8737% | 2,468 |
| Pretax return on assets | 0.8737% | 2,863 |
| Return on Equity (ROE) | 20.8200% | 382 |
| Retained earnings to average equity (ytd only) | 0.5933% | 3,828 |
| Net charge-offs to loans | -0.9004% | 4,538 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 74.1801% | 1,566 |
| Assets per employee ($millions) | 5.4825% | 3,287 |
| Cash dividends to net income (ytd only)* | 97.1509% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7987% | 549 |
| Loan loss allowance to noncurrent loans | 409.2715% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.2801% | 2,096 |
| Noncurrent loans to loans | 0.4395% | 1,981 |
| Net loans and leases to total assets | 62.5900% | 2,671 |
| Net loans and leases to deposits | 66.2211% | 3,235 |
| Net loans and leases to core deposits | 78.1099% | 2,945 |
| Total domestic deposits to total assets | 94.5100% | 25 |
| Equity capital to assets | 5.1981% | 4,442 |
| Core capital (leverage) ratio | 9.1515% | 3,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8489% | 1,959 |
| Memoranda: | ||
| Average total assets | $326,728,000 | 2,321 |
| Average earning assets | $307,266,250 | 2,302 |
| Average equity | $13,707,750 | 3,453 |
| Average total loans | $200,648,500 | 2,356 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7447% | 3,382 |
| Cost of funding earning assets | 1.4157% | 3,449 |
| Net interest margin | 3.3290% | 2,344 |
| Noninterest income to average assets | 0.4700% | 1,991 |
| Noninterest expense to average assets | 2.5765% | 2,021 |
| Loan and lease loss provision to assets | 0.0900% | 1,288 |
| Net operating income to assets | 0.9371% | 2,199 |
| Return on assets (ROA) | 0.9371% | 2,203 |
| Pretax return on assets | 0.9371% | 2,658 |
| Return on Equity (ROE) | 24.2400% | 244 |
| Retained earnings to average equity (ytd only) | -8.5856% | 4,409 |
| Net charge-offs to loans | -0.0030% | 3,698 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 71.4673% | 1,923 |
| Assets per employee ($millions) | 5.5723% | 3,156 |
| Cash dividends to net income (ytd only)* | 135.4167% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1634% | 2,428 |
| Loan loss allowance to noncurrent loans | 181.5871% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.3948% | 1,620 |
| Noncurrent loans to loans | 0.6407% | 1,445 |
| Net loans and leases to total assets | 60.9100% | 2,870 |
| Net loans and leases to deposits | 63.5755% | 3,381 |
| Net loans and leases to core deposits | 71.4337% | 3,293 |
| Total domestic deposits to total assets | 95.8100% | 26 |
| Equity capital to assets | 3.9089% | 4,474 |
| Core capital (leverage) ratio | 9.0044% | 3,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0251% | 2,246 |
| Memoranda: | ||
| Average total assets | $327,815,333 | 2,302 |
| Average earning assets | $308,260,333 | 2,286 |
| Average equity | $12,672,333 | 3,534 |
| Average total loans | $198,814,667 | 2,358 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6722% | 3,386 |
| Cost of funding earning assets | 1.3697% | 3,443 |
| Net interest margin | 3.3025% | 2,334 |
| Noninterest income to average assets | 0.5200% | 1,683 |
| Noninterest expense to average assets | 2.6040% | 1,955 |
| Loan and lease loss provision to assets | 0.0900% | 1,130 |
| Net operating income to assets | 0.9275% | 2,157 |
| Return on assets (ROA) | 0.9275% | 2,175 |
| Pretax return on assets | 0.9275% | 2,595 |
| Return on Equity (ROE) | 24.1300% | 261 |
| Retained earnings to average equity (ytd only) | -41.9932% | 4,511 |
| Net charge-offs to loans | -0.0020% | 3,522 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 71.8718% | 1,957 |
| Assets per employee ($millions) | 5.5264% | 3,243 |
| Cash dividends to net income (ytd only)* | 274.0448% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1455% | 2,564 |
| Loan loss allowance to noncurrent loans | 190.6355% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 0.3668% | 1,653 |
| Noncurrent loans to loans | 0.6009% | 1,452 |
| Net loans and leases to total assets | 60.3500% | 2,819 |
| Net loans and leases to deposits | 62.6931% | 3,358 |
| Net loans and leases to core deposits | 68.9675% | 3,385 |
| Total domestic deposits to total assets | 96.2600% | 45 |
| Equity capital to assets | 3.5205% | 4,498 |
| Core capital (leverage) ratio | 8.8377% | 3,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9755% | 2,248 |
| Memoranda: | ||
| Average total assets | $327,341,500 | 2,307 |
| Average earning assets | $307,520,000 | 2,301 |
| Average equity | $12,583,000 | 3,547 |
| Average total loans | $196,921,000 | 2,369 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1949% | 3,475 |
| Cost of funding earning assets | 0.6611% | 3,843 |
| Net interest margin | 3.5338% | 2,142 |
| Noninterest income to average assets | 0.4800% | 2,060 |
| Noninterest expense to average assets | 2.3809% | 2,579 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.2641% | 1,621 |
| Return on assets (ROA) | 1.2432% | 1,660 |
| Pretax return on assets | 1.2432% | 2,191 |
| Return on Equity (ROE) | 39.5500% | 113 |
| Retained earnings to average equity (ytd only) | 9.5379% | 1,540 |
| Net charge-offs to loans | -0.0022% | 3,589 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 63.3410% | 2,581 |
| Assets per employee ($millions) | 5.5129% | 3,173 |
| Cash dividends to net income (ytd only)* | 75.8826% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1354% | 2,703 |
| Loan loss allowance to noncurrent loans | 156.9776% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 0.4401% | 1,325 |
| Noncurrent loans to loans | 0.7233% | 1,149 |
| Net loans and leases to total assets | 60.1600% | 2,827 |
| Net loans and leases to deposits | 66.2201% | 3,110 |
| Net loans and leases to core deposits | 68.3554% | 3,302 |
| Total domestic deposits to total assets | 90.8500% | 708 |
| Equity capital to assets | 2.6022% | 4,514 |
| Core capital (leverage) ratio | 9.6792% | 3,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9392% | 1,918 |
| Memoranda: | ||
| Average total assets | $306,825,250 | 2,401 |
| Average earning assets | $284,785,750 | 2,385 |
| Average equity | $9,645,500 | 3,759 |
| Average total loans | $181,972,000 | 2,427 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0653% | 3,558 |
| Cost of funding earning assets | 0.5189% | 3,943 |
| Net interest margin | 3.5464% | 2,161 |
| Noninterest income to average assets | 0.5100% | 1,835 |
| Noninterest expense to average assets | 2.3532% | 2,649 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.3530% | 1,445 |
| Return on assets (ROA) | 1.3215% | 1,491 |
| Pretax return on assets | 1.3215% | 2,016 |
| Return on Equity (ROE) | 39.6800% | 107 |
| Retained earnings to average equity (ytd only) | -1.4208% | 4,251 |
| Net charge-offs to loans | -0.0067% | 3,789 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.6139% | 2,758 |
| Assets per employee ($millions) | 5.1662% | 3,439 |
| Cash dividends to net income (ytd only)* | 103.5803% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1187% | 2,857 |
| Loan loss allowance to noncurrent loans | 172.2911% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 0.3966% | 1,348 |
| Noncurrent loans to loans | 0.6493% | 1,153 |
| Net loans and leases to total assets | 60.4000% | 2,736 |
| Net loans and leases to deposits | 63.7763% | 3,202 |
| Net loans and leases to core deposits | 65.5508% | 3,375 |
| Total domestic deposits to total assets | 94.7100% | 110 |
| Equity capital to assets | 3.5134% | 4,543 |
| Core capital (leverage) ratio | 9.4775% | 3,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9892% | 1,903 |
| Memoranda: | ||
| Average total assets | $304,354,333 | 2,422 |
| Average earning assets | $283,668,000 | 2,402 |
| Average equity | $10,135,000 | 3,727 |
| Average total loans | $178,890,667 | 2,451 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9149% | 3,644 |
| Cost of funding earning assets | 0.3536% | 4,063 |
| Net interest margin | 3.5613% | 2,218 |
| Noninterest income to average assets | 0.5200% | 1,761 |
| Noninterest expense to average assets | 2.5963% | 1,961 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 1.1653% | 2,036 |
| Return on assets (ROA) | 1.1022% | 2,184 |
| Pretax return on assets | 1.1022% | 2,702 |
| Return on Equity (ROE) | 34.0400% | 173 |
| Retained earnings to average equity (ytd only) | -48.6190% | 4,666 |
| Net charge-offs to loans | -0.0023% | 3,448 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.5565% | 2,028 |
| Assets per employee ($millions) | 5.1942% | 3,509 |
| Cash dividends to net income (ytd only)* | 242.8401% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0973% | 3,077 |
| Loan loss allowance to noncurrent loans | 139.4047% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 0.4647% | 1,090 |
| Noncurrent loans to loans | 0.7871% | 976 |
| Net loans and leases to total assets | 57.8500% | 2,880 |
| Net loans and leases to deposits | 60.8721% | 3,284 |
| Net loans and leases to core deposits | 61.9941% | 3,447 |
| Total domestic deposits to total assets | 95.0400% | 88 |
| Equity capital to assets | 3.2458% | 4,588 |
| Core capital (leverage) ratio | 9.1705% | 3,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2963% | 2,269 |
| Memoranda: | ||
| Average total assets | $304,127,500 | 2,447 |
| Average earning assets | $283,939,000 | 2,433 |
| Average equity | $9,848,000 | 3,803 |
| Average total loans | $175,236,000 | 2,505 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3902% | 3,367 |
| Cost of funding earning assets | 0.1986% | 3,771 |
| Net interest margin | 3.1916% | 2,887 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 2.3852% | 2,468 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.0452% | 2,398 |
| Return on assets (ROA) | 1.0426% | 2,348 |
| Pretax return on assets | 1.0426% | 2,936 |
| Return on Equity (ROE) | 22.4300% | 310 |
| Retained earnings to average equity (ytd only) | 6.7445% | 2,345 |
| Net charge-offs to loans | 1.3572% | 52 |
| Credit loss provision to net charge-offs | 10.0656% | 1,956 |
| Earnings coverage of net charge-offs (x) | 1.4867% | 2,537 |
| Efficiency ratio | 68.0252% | 1,961 |
| Assets per employee ($millions) | 5.2947% | 3,426 |
| Cash dividends to net income (ytd only)* | 69.9272% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0613% | 3,076 |
| Loan loss allowance to noncurrent loans | 121.0526% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 0.4974% | 1,025 |
| Noncurrent loans to loans | 0.8767% | 846 |
| Net loans and leases to total assets | 56.1300% | 3,016 |
| Net loans and leases to deposits | 58.0312% | 3,458 |
| Net loans and leases to core deposits | 58.6261% | 3,580 |
| Total domestic deposits to total assets | 96.7200% | 59 |
| Equity capital to assets | 3.2303% | 4,588 |
| Core capital (leverage) ratio | 9.5595% | 3,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3874% | 1,819 |
| Memoranda: | ||
| Average total assets | $302,989,800 | 2,431 |
| Average earning assets | $287,031,800 | 2,403 |
| Average equity | $14,085,600 | 3,456 |
| Average total loans | $168,358,800 | 2,474 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2924% | 3,197 |
| Cost of funding earning assets | 0.1905% | 3,390 |
| Net interest margin | 3.1019% | 2,933 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 2.1308% | 3,128 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.2138% | 1,651 |
| Return on assets (ROA) | 1.2138% | 1,626 |
| Pretax return on assets | 1.2138% | 2,314 |
| Return on Equity (ROE) | 24.2700% | 210 |
| Retained earnings to average equity (ytd only) | 4.8604% | 3,150 |
| Net charge-offs to loans | 0.0453% | 1,036 |
| Credit loss provision to net charge-offs | 403.5088% | 698 |
| Earnings coverage of net charge-offs (x) | 52.4737% | 1,256 |
| Efficiency ratio | 61.8398% | 2,848 |
| Assets per employee ($millions) | 5.2880% | 3,429 |
| Cash dividends to net income (ytd only)* | 79.9710% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3529% | 269 |
| Loan loss allowance to noncurrent loans | 1,003.7221% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.1446% | 2,597 |
| Noncurrent loans to loans | 0.2344% | 2,449 |
| Net loans and leases to total assets | 58.7900% | 2,618 |
| Net loans and leases to deposits | 60.2702% | 3,177 |
| Net loans and leases to core deposits | 60.9165% | 3,314 |
| Total domestic deposits to total assets | 97.5400% | 62 |
| Equity capital to assets | 2.3856% | 4,642 |
| Core capital (leverage) ratio | 9.6039% | 2,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5155% | 1,564 |
| Memoranda: | ||
| Average total assets | $303,287,750 | 2,449 |
| Average earning assets | $288,331,000 | 2,409 |
| Average equity | $15,169,750 | 3,394 |
| Average total loans | $167,646,000 | 2,474 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1704% | 3,143 |
| Cost of funding earning assets | 0.1847% | 3,115 |
| Net interest margin | 2.9856% | 2,924 |
| Noninterest income to average assets | 0.5071% | 2,160 |
| Noninterest expense to average assets | 2.0699% | 3,236 |
| Loan and lease loss provision to assets | 0.0906% | 1,093 |
| Net operating income to assets | 1.1902% | 1,459 |
| Return on assets (ROA) | 1.1902% | 1,438 |
| Pretax return on assets | 1.1902% | 2,108 |
| Return on Equity (ROE) | 20.4949% | 276 |
| Retained earnings to average equity (ytd only) | -4.0878% | 4,502 |
| Net charge-offs to loans | -0.0024% | 3,169 |
| Credit loss provision to net charge-offs | -7,000.0000% | 3,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7761% | 3,072 |
| Assets per employee ($millions) | 5.5367% | 3,186 |
| Cash dividends to net income (ytd only)* | 119.9457% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3764% | 297 |
| Loan loss allowance to noncurrent loans | 612.0427% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.2194% | 2,216 |
| Noncurrent loans to loans | 0.3883% | 1,972 |
| Net loans and leases to total assets | 55.1659% | 2,839 |
| Net loans and leases to deposits | 57.4999% | 3,267 |
| Net loans and leases to core deposits | 58.0056% | 3,422 |
| Total domestic deposits to total assets | 95.9409% | 87 |
| Equity capital to assets | 3.9902% | 4,624 |
| Core capital (leverage) ratio | 8.9562% | 3,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8810% | 1,739 |
| Memoranda: | ||
| Average total assets | $309,199,667 | 2,438 |
| Average earning assets | $294,476,000 | 2,413 |
| Average equity | $17,955,667 | 3,237 |
| Average total loans | $166,222,000 | 2,499 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1241% | 2,898 |
| Cost of funding earning assets | 0.1801% | 3,084 |
| Net interest margin | 2.9440% | 2,697 |
| Noninterest income to average assets | 0.5116% | 2,087 |
| Noninterest expense to average assets | 2.1087% | 3,113 |
| Loan and lease loss provision to assets | 0.0764% | 1,072 |
| Net operating income to assets | 1.1352% | 1,423 |
| Return on assets (ROA) | 1.1352% | 1,416 |
| Pretax return on assets | 1.1352% | 2,035 |
| Return on Equity (ROE) | 17.0160% | 421 |
| Retained earnings to average equity (ytd only) | -23.7499% | 4,723 |
| Net charge-offs to loans | -0.0073% | 3,474 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,390 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5109% | 3,085 |
| Assets per employee ($millions) | 5.6867% | 3,136 |
| Cash dividends to net income (ytd only)* | 239.5740% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3649% | 333 |
| Loan loss allowance to noncurrent loans | 578.6765% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.2558% | 2,119 |
| Noncurrent loans to loans | 0.4087% | 2,026 |
| Net loans and leases to total assets | 51.9423% | 2,992 |
| Net loans and leases to deposits | 54.7273% | 3,363 |
| Net loans and leases to core deposits | 55.2494% | 3,505 |
| Total domestic deposits to total assets | 94.9112% | 43 |
| Equity capital to assets | 5.0376% | 4,719 |
| Core capital (leverage) ratio | 8.5182% | 3,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6738% | 1,926 |
| Memoranda: | ||
| Average total assets | $314,309,500 | 2,424 |
| Average earning assets | $299,865,000 | 2,387 |
| Average equity | $20,968,500 | 3,057 |
| Average total loans | $164,858,000 | 2,512 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2516% | 3,337 |
| Cost of funding earning assets | 0.2319% | 3,117 |
| Net interest margin | 3.0197% | 3,146 |
| Noninterest income to average assets | 0.4758% | 2,697 |
| Noninterest expense to average assets | 2.2894% | 2,826 |
| Loan and lease loss provision to assets | 0.0588% | 1,883 |
| Net operating income to assets | 1.0080% | 2,636 |
| Return on assets (ROA) | 1.0169% | 2,679 |
| Pretax return on assets | 1.0169% | 3,213 |
| Return on Equity (ROE) | 11.9331% | 1,841 |
| Retained earnings to average equity (ytd only) | 6.3695% | 2,193 |
| Net charge-offs to loans | 0.1682% | 570 |
| Credit loss provision to net charge-offs | 63.1206% | 2,048 |
| Earnings coverage of net charge-offs (x) | 11.4574% | 2,153 |
| Efficiency ratio | 68.2145% | 1,949 |
| Assets per employee ($millions) | 5.6402% | 3,126 |
| Cash dividends to net income (ytd only)* | 46.6234% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3708% | 343 |
| Loan loss allowance to noncurrent loans | 581.3814% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.2583% | 2,269 |
| Noncurrent loans to loans | 0.4078% | 2,136 |
| Net loans and leases to total assets | 50.4827% | 3,225 |
| Net loans and leases to deposits | 55.0699% | 3,511 |
| Net loans and leases to core deposits | 55.6587% | 3,647 |
| Total domestic deposits to total assets | 91.6702% | 275 |
| Equity capital to assets | 8.2890% | 4,187 |
| Core capital (leverage) ratio | 8.9817% | 3,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3883% | 1,416 |
| Memoranda: | ||
| Average total assets | $302,875,000 | 2,425 |
| Average earning assets | $288,902,000 | 2,383 |
| Average equity | $25,810,600 | 2,794 |
| Average total loans | $167,682,400 | 2,488 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3158% | 3,343 |
| Cost of funding earning assets | 0.2459% | 3,155 |
| Net interest margin | 3.0699% | 3,127 |
| Noninterest income to average assets | 0.4677% | 2,761 |
| Noninterest expense to average assets | 2.1871% | 3,110 |
| Loan and lease loss provision to assets | 0.0524% | 1,941 |
| Net operating income to assets | 1.1552% | 2,344 |
| Return on assets (ROA) | 1.1672% | 2,351 |
| Pretax return on assets | 1.1672% | 3,030 |
| Return on Equity (ROE) | 13.5984% | 1,523 |
| Retained earnings to average equity (ytd only) | 6.1538% | 2,760 |
| Net charge-offs to loans | 0.1240% | 640 |
| Credit loss provision to net charge-offs | 75.1592% | 1,734 |
| Earnings coverage of net charge-offs (x) | 17.2866% | 1,820 |
| Efficiency ratio | 64.4252% | 2,328 |
| Assets per employee ($millions) | 5.3314% | 3,376 |
| Cash dividends to net income (ytd only)* | 54.7465% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3333% | 372 |
| Loan loss allowance to noncurrent loans | 399.6954% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 0.4269% | 1,752 |
| Noncurrent loans to loans | 0.5838% | 1,853 |
| Net loans and leases to total assets | 53.2933% | 3,050 |
| Net loans and leases to deposits | 58.2751% | 3,385 |
| Net loans and leases to core deposits | 58.8068% | 3,561 |
| Total domestic deposits to total assets | 91.4512% | 247 |
| Equity capital to assets | 8.4903% | 4,219 |
| Core capital (leverage) ratio | 9.1187% | 3,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9143% | 1,643 |
| Memoranda: | ||
| Average total assets | $299,630,500 | 2,461 |
| Average earning assets | $285,694,250 | 2,425 |
| Average equity | $25,718,000 | 2,834 |
| Average total loans | $168,772,250 | 2,513 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2661% | 3,520 |
| Cost of funding earning assets | 0.2673% | 3,110 |
| Net interest margin | 2.9988% | 3,331 |
| Noninterest income to average assets | 0.4703% | 2,751 |
| Noninterest expense to average assets | 2.2771% | 2,836 |
| Loan and lease loss provision to assets | 0.0391% | 2,217 |
| Net operating income to assets | 1.0080% | 2,863 |
| Return on assets (ROA) | 1.0134% | 2,929 |
| Pretax return on assets | 1.0134% | 3,414 |
| Return on Equity (ROE) | 11.7622% | 2,140 |
| Retained earnings to average equity (ytd only) | 0.7361% | 4,388 |
| Net charge-offs to loans | 0.1552% | 535 |
| Credit loss provision to net charge-offs | 44.2748% | 1,634 |
| Earnings coverage of net charge-offs (x) | 11.8473% | 1,744 |
| Efficiency ratio | 68.5001% | 1,819 |
| Assets per employee ($millions) | 5.1190% | 3,538 |
| Cash dividends to net income (ytd only)* | 93.7417% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3186% | 347 |
| Loan loss allowance to noncurrent loans | 324.1694% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.5361% | 1,550 |
| Noncurrent loans to loans | 0.7152% | 1,653 |
| Net loans and leases to total assets | 54.4441% | 3,089 |
| Net loans and leases to deposits | 59.5007% | 3,427 |
| Net loans and leases to core deposits | 60.0562% | 3,614 |
| Total domestic deposits to total assets | 91.5016% | 231 |
| Equity capital to assets | 8.4134% | 4,271 |
| Core capital (leverage) ratio | 8.7084% | 3,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2432% | 1,890 |
| Memoranda: | ||
| Average total assets | $296,433,000 | 2,469 |
| Average earning assets | $282,110,333 | 2,438 |
| Average equity | $25,539,333 | 2,837 |
| Average total loans | $168,785,667 | 2,520 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2866% | 3,482 |
| Cost of funding earning assets | 0.2605% | 3,374 |
| Net interest margin | 3.0262% | 3,196 |
| Noninterest income to average assets | 0.4713% | 2,745 |
| Noninterest expense to average assets | 2.3062% | 2,767 |
| Loan and lease loss provision to assets | 0.0518% | 2,066 |
| Net operating income to assets | 0.9781% | 2,877 |
| Return on assets (ROA) | 0.9890% | 2,939 |
| Pretax return on assets | 0.9890% | 3,403 |
| Return on Equity (ROE) | 11.3420% | 2,253 |
| Retained earnings to average equity (ytd only) | -10.6702% | 4,824 |
| Net charge-offs to loans | 0.2130% | 388 |
| Credit loss provision to net charge-offs | 42.2222% | 1,343 |
| Earnings coverage of net charge-offs (x) | 8.4000% | 1,579 |
| Efficiency ratio | 69.1303% | 1,802 |
| Assets per employee ($millions) | 4.9266% | 3,740 |
| Cash dividends to net income (ytd only)* | 194.0771% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3378% | 338 |
| Loan loss allowance to noncurrent loans | 286.9788% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.6529% | 1,452 |
| Noncurrent loans to loans | 0.8146% | 1,635 |
| Net loans and leases to total assets | 54.5337% | 3,188 |
| Net loans and leases to deposits | 59.4060% | 3,530 |
| Net loans and leases to core deposits | 59.9609% | 3,704 |
| Total domestic deposits to total assets | 91.7983% | 186 |
| Equity capital to assets | 8.1245% | 4,412 |
| Core capital (leverage) ratio | 8.7104% | 3,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7830% | 2,384 |
| Memoranda: | ||
| Average total assets | $293,639,500 | 2,466 |
| Average earning assets | $277,976,000 | 2,444 |
| Average equity | $25,604,000 | 2,828 |
| Average total loans | $169,011,000 | 2,522 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8860% | 3,068 |
| Cost of funding earning assets | 0.3038% | 4,120 |
| Net interest margin | 3.5822% | 2,204 |
| Noninterest income to average assets | 0.4579% | 2,830 |
| Noninterest expense to average assets | 2.5649% | 2,657 |
| Loan and lease loss provision to assets | 0.7864% | 162 |
| Net operating income to assets | 0.4787% | 4,076 |
| Return on assets (ROA) | 0.5373% | 4,039 |
| Pretax return on assets | 0.5373% | 4,205 |
| Return on Equity (ROE) | 5.3993% | 3,777 |
| Retained earnings to average equity (ytd only) | -3.4547% | 4,792 |
| Net charge-offs to loans | 0.1466% | 1,112 |
| Credit loss provision to net charge-offs | 811.1538% | 890 |
| Earnings coverage of net charge-offs (x) | 13.0500% | 2,303 |
| Efficiency ratio | 66.9685% | 2,369 |
| Assets per employee ($millions) | 4.7793% | 3,626 |
| Cash dividends to net income (ytd only)* | 163.9833% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3359% | 328 |
| Loan loss allowance to noncurrent loans | 218.9427% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.8791% | 1,135 |
| Noncurrent loans to loans | 1.0669% | 1,334 |
| Net loans and leases to total assets | 57.9714% | 3,089 |
| Net loans and leases to deposits | 63.9950% | 3,437 |
| Net loans and leases to core deposits | 64.6033% | 3,654 |
| Total domestic deposits to total assets | 90.5874% | 341 |
| Equity capital to assets | 9.3432% | 3,750 |
| Core capital (leverage) ratio | 9.2656% | 3,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7616% | 1,948 |
| Memoranda: | ||
| Average total assets | $268,199,400 | 2,474 |
| Average earning assets | $252,472,200 | 2,455 |
| Average equity | $26,688,600 | 2,695 |
| Average total loans | $177,399,200 | 2,431 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9487% | 3,114 |
| Cost of funding earning assets | 0.3069% | 4,281 |
| Net interest margin | 3.6417% | 2,118 |
| Noninterest income to average assets | 0.4249% | 2,960 |
| Noninterest expense to average assets | 2.5178% | 2,783 |
| Loan and lease loss provision to assets | 1.3200% | 76 |
| Net operating income to assets | 0.0086% | 4,766 |
| Return on assets (ROA) | 0.0086% | 4,787 |
| Pretax return on assets | 0.0086% | 4,781 |
| Return on Equity (ROE) | 0.0850% | 4,784 |
| Retained earnings to average equity (ytd only) | -11.7314% | 4,946 |
| Net charge-offs to loans | 0.1272% | 1,121 |
| Credit loss provision to net charge-offs | 1,525.7310% | 610 |
| Earnings coverage of net charge-offs (x) | 15.3567% | 2,105 |
| Efficiency ratio | 65.4610% | 2,530 |
| Assets per employee ($millions) | 4.7016% | 3,596 |
| Cash dividends to net income (ytd only)* | 13,900.0000% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5556% | 212 |
| Loan loss allowance to noncurrent loans | 267.8991% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.7657% | 1,511 |
| Noncurrent loans to loans | 0.9539% | 1,582 |
| Net loans and leases to total assets | 62.7495% | 2,916 |
| Net loans and leases to deposits | 69.2318% | 3,375 |
| Net loans and leases to core deposits | 69.8385% | 3,633 |
| Total domestic deposits to total assets | 90.6368% | 253 |
| Equity capital to assets | 9.2669% | 3,893 |
| Core capital (leverage) ratio | 9.1089% | 3,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0680% | 2,168 |
| Memoranda: | ||
| Average total assets | $263,560,500 | 2,483 |
| Average earning assets | $247,604,500 | 2,470 |
| Average equity | $26,662,750 | 2,688 |
| Average total loans | $179,196,000 | 2,415 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0528% | 3,188 |
| Cost of funding earning assets | 0.3109% | 4,441 |
| Net interest margin | 3.7419% | 2,021 |
| Noninterest income to average assets | 0.4418% | 2,845 |
| Noninterest expense to average assets | 2.6129% | 2,623 |
| Loan and lease loss provision to assets | 0.1854% | 2,169 |
| Net operating income to assets | 1.1578% | 1,768 |
| Return on assets (ROA) | 1.1578% | 1,903 |
| Pretax return on assets | 1.1578% | 2,510 |
| Return on Equity (ROE) | 11.1112% | 1,596 |
| Retained earnings to average equity (ytd only) | -5.6631% | 4,798 |
| Net charge-offs to loans | 0.0022% | 2,932 |
| Credit loss provision to net charge-offs | 12,000.0000% | 98 |
| Earnings coverage of net charge-offs (x) | 869.5000% | 108 |
| Efficiency ratio | 66.0484% | 2,511 |
| Assets per employee ($millions) | 4.5670% | 3,699 |
| Cash dividends to net income (ytd only)* | 150.9673% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2747% | 2,130 |
| Loan loss allowance to noncurrent loans | 109.9535% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 0.8576% | 1,450 |
| Noncurrent loans to loans | 1.1593% | 1,357 |
| Net loans and leases to total assets | 66.8199% | 2,518 |
| Net loans and leases to deposits | 74.3189% | 3,046 |
| Net loans and leases to core deposits | 74.9818% | 3,371 |
| Total domestic deposits to total assets | 89.9098% | 422 |
| Equity capital to assets | 9.9851% | 3,221 |
| Core capital (leverage) ratio | 9.9130% | 2,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7338% | 1,916 |
| Memoranda: | ||
| Average total assets | $258,949,000 | 2,483 |
| Average earning assets | $243,192,667 | 2,469 |
| Average equity | $26,981,667 | 2,646 |
| Average total loans | $179,385,000 | 2,408 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2263% | 3,133 |
| Cost of funding earning assets | 0.3182% | 4,602 |
| Net interest margin | 3.9081% | 1,654 |
| Noninterest income to average assets | 0.5664% | 2,200 |
| Noninterest expense to average assets | 2.6904% | 2,735 |
| Loan and lease loss provision to assets | 0.1909% | 1,572 |
| Net operating income to assets | 1.3396% | 1,133 |
| Return on assets (ROA) | 1.3396% | 1,223 |
| Pretax return on assets | 1.3396% | 1,753 |
| Return on Equity (ROE) | 12.5709% | 966 |
| Retained earnings to average equity (ytd only) | -21.2153% | 4,980 |
| Net charge-offs to loans | 0.0068% | 2,329 |
| Credit loss provision to net charge-offs | 4,000.0000% | 201 |
| Earnings coverage of net charge-offs (x) | 320.6667% | 219 |
| Efficiency ratio | 63.7392% | 3,273 |
| Assets per employee ($millions) | 4.0831% | 3,810 |
| Cash dividends to net income (ytd only)* | 268.7648% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2844% | 2,216 |
| Loan loss allowance to noncurrent loans | 95.5669% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 1.0867% | 1,200 |
| Noncurrent loans to loans | 1.3440% | 1,202 |
| Net loans and leases to total assets | 68.0666% | 2,529 |
| Net loans and leases to deposits | 76.0392% | 3,070 |
| Net loans and leases to core deposits | 76.7747% | 3,443 |
| Total domestic deposits to total assets | 89.5151% | 463 |
| Equity capital to assets | 10.3798% | 3,444 |
| Core capital (leverage) ratio | 10.3397% | 3,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0330% | 1,896 |
| Memoranda: | ||
| Average total assets | $251,415,000 | 2,484 |
| Average earning assets | $235,102,000 | 2,469 |
| Average equity | $26,792,000 | 2,651 |
| Average total loans | $176,346,500 | 2,400 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3521% | 3,385 |
| Cost of funding earning assets | 0.2977% | 4,735 |
| Net interest margin | 4.0543% | 1,672 |
| Noninterest income to average assets | 0.5214% | 2,620 |
| Noninterest expense to average assets | 2.8214% | 2,534 |
| Loan and lease loss provision to assets | 0.3661% | 409 |
| Net operating income to assets | 1.1305% | 2,335 |
| Return on assets (ROA) | 1.1289% | 2,435 |
| Pretax return on assets | 1.1289% | 3,082 |
| Return on Equity (ROE) | 10.7053% | 1,999 |
| Retained earnings to average equity (ytd only) | 2.1212% | 3,937 |
| Net charge-offs to loans | 0.2996% | 699 |
| Credit loss provision to net charge-offs | 171.0526% | 1,519 |
| Earnings coverage of net charge-offs (x) | 6.9925% | 2,916 |
| Efficiency ratio | 65.3405% | 2,866 |
| Assets per employee ($millions) | 4.0930% | 3,782 |
| Cash dividends to net income (ytd only)* | 80.1853% | 789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1935% | 2,469 |
| Loan loss allowance to noncurrent loans | 81.0213% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 1.2432% | 916 |
| Noncurrent loans to loans | 1.4730% | 987 |
| Net loans and leases to total assets | 70.4960% | 2,314 |
| Net loans and leases to deposits | 79.2189% | 2,881 |
| Net loans and leases to core deposits | 79.7339% | 3,319 |
| Total domestic deposits to total assets | 88.9889% | 674 |
| Equity capital to assets | 10.9370% | 3,062 |
| Core capital (leverage) ratio | 10.7605% | 2,711 |
| Tier 1 risk-based capital ratio | 14.4723% | 3,033 |
| Total risk-based capital ratio | 15.6053% | 2,996 |
| Memoranda: | ||
| Average total assets | $248,563,200 | 2,472 |
| Average earning assets | $232,762,400 | 2,453 |
| Average equity | $26,211,400 | 2,616 |
| Average total loans | $177,553,800 | 2,347 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3376% | 3,554 |
| Cost of funding earning assets | 0.2896% | 4,817 |
| Net interest margin | 4.0480% | 1,775 |
| Noninterest income to average assets | 0.5166% | 2,626 |
| Noninterest expense to average assets | 2.6668% | 2,958 |
| Loan and lease loss provision to assets | 0.1826% | 996 |
| Net operating income to assets | 1.4580% | 1,309 |
| Return on assets (ROA) | 1.4542% | 1,377 |
| Pretax return on assets | 1.4542% | 2,100 |
| Return on Equity (ROE) | 13.9203% | 1,001 |
| Retained earnings to average equity (ytd only) | 2.3852% | 4,143 |
| Net charge-offs to loans | 0.2608% | 670 |
| Credit loss provision to net charge-offs | 97.9827% | 2,306 |
| Earnings coverage of net charge-offs (x) | 8.8039% | 2,621 |
| Efficiency ratio | 61.9125% | 3,339 |
| Assets per employee ($millions) | 4.1730% | 3,661 |
| Cash dividends to net income (ytd only)* | 82.8656% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9759% | 3,703 |
| Loan loss allowance to noncurrent loans | 90.2540% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 0.8583% | 1,593 |
| Noncurrent loans to loans | 1.0812% | 1,466 |
| Net loans and leases to total assets | 70.5585% | 2,397 |
| Net loans and leases to deposits | 79.2682% | 2,978 |
| Net loans and leases to core deposits | 79.7794% | 3,404 |
| Total domestic deposits to total assets | 89.0123% | 606 |
| Equity capital to assets | 10.9098% | 3,184 |
| Core capital (leverage) ratio | 10.9081% | 2,730 |
| Tier 1 risk-based capital ratio | 14.2953% | 3,176 |
| Total risk-based capital ratio | 15.2150% | 3,265 |
| Memoranda: | ||
| Average total assets | $248,285,250 | 2,491 |
| Average earning assets | $232,505,750 | 2,475 |
| Average equity | $25,937,500 | 2,647 |
| Average total loans | $177,408,000 | 2,369 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3266% | 3,553 |
| Cost of funding earning assets | 0.2826% | 4,871 |
| Net interest margin | 4.0439% | 1,789 |
| Noninterest income to average assets | 0.5202% | 2,565 |
| Noninterest expense to average assets | 2.6900% | 2,942 |
| Loan and lease loss provision to assets | 0.1777% | 1,009 |
| Net operating income to assets | 1.4435% | 1,315 |
| Return on assets (ROA) | 1.4379% | 1,376 |
| Pretax return on assets | 1.4379% | 2,074 |
| Return on Equity (ROE) | 13.9728% | 987 |
| Retained earnings to average equity (ytd only) | -3.6267% | 5,001 |
| Net charge-offs to loans | 0.3016% | 566 |
| Credit loss provision to net charge-offs | 82.3970% | 2,204 |
| Earnings coverage of net charge-offs (x) | 7.5169% | 2,483 |
| Efficiency ratio | 62.3946% | 3,366 |
| Assets per employee ($millions) | 4.0611% | 3,787 |
| Cash dividends to net income (ytd only)* | 125.9551% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9636% | 3,810 |
| Loan loss allowance to noncurrent loans | 73.2558% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 1.0302% | 1,346 |
| Noncurrent loans to loans | 1.3154% | 1,193 |
| Net loans and leases to total assets | 70.5690% | 2,454 |
| Net loans and leases to deposits | 79.0416% | 3,058 |
| Net loans and leases to core deposits | 79.4464% | 3,466 |
| Total domestic deposits to total assets | 89.2809% | 548 |
| Equity capital to assets | 10.6122% | 3,426 |
| Core capital (leverage) ratio | 10.6402% | 2,947 |
| Tier 1 risk-based capital ratio | 13.9704% | 3,334 |
| Total risk-based capital ratio | 14.8797% | 3,410 |
| Memoranda: | ||
| Average total assets | $247,586,670 | 2,508 |
| Average earning assets | $232,100,670 | 2,483 |
| Average equity | $25,478,000 | 2,677 |
| Average total loans | $177,075,330 | 2,374 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2941% | 3,582 |
| Cost of funding earning assets | 0.2789% | 4,904 |
| Net interest margin | 4.0152% | 1,807 |
| Noninterest income to average assets | 0.5559% | 2,254 |
| Noninterest expense to average assets | 2.7150% | 2,861 |
| Loan and lease loss provision to assets | 0.1616% | 1,041 |
| Net operating income to assets | 1.4480% | 1,242 |
| Return on assets (ROA) | 1.4367% | 1,303 |
| Pretax return on assets | 1.4367% | 1,968 |
| Return on Equity (ROE) | 14.1829% | 927 |
| Retained earnings to average equity (ytd only) | -21.6173% | 5,266 |
| Net charge-offs to loans | 0.1015% | 1,131 |
| Credit loss provision to net charge-offs | 222.2222% | 985 |
| Earnings coverage of net charge-offs (x) | 22.1333% | 1,510 |
| Efficiency ratio | 62.7803% | 3,414 |
| Assets per employee ($millions) | 3.9222% | 4,040 |
| Cash dividends to net income (ytd only)* | 252.4184% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0196% | 3,584 |
| Loan loss allowance to noncurrent loans | 62.4091% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 1.2724% | 1,040 |
| Noncurrent loans to loans | 1.6337% | 967 |
| Net loans and leases to total assets | 70.8357% | 2,354 |
| Net loans and leases to deposits | 78.8476% | 2,964 |
| Net loans and leases to core deposits | 79.3545% | 3,419 |
| Total domestic deposits to total assets | 89.8388% | 516 |
| Equity capital to assets | 10.0649% | 3,760 |
| Core capital (leverage) ratio | 10.2725% | 3,306 |
| Tier 1 risk-based capital ratio | 13.4799% | 3,614 |
| Total risk-based capital ratio | 14.4428% | 3,686 |
| Memoranda: | ||
| Average total assets | $247,517,500 | 2,530 |
| Average earning assets | $232,317,000 | 2,506 |
| Average equity | $25,072,500 | 2,708 |
| Average total loans | $177,354,000 | 2,393 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3330% | 2,989 |
| Cost of funding earning assets | 0.2683% | 4,719 |
| Net interest margin | 4.0647% | 1,786 |
| Noninterest income to average assets | 0.5102% | 2,778 |
| Noninterest expense to average assets | 2.8404% | 2,546 |
| Loan and lease loss provision to assets | 0.1656% | 1,224 |
| Net operating income to assets | 1.2854% | 1,860 |
| Return on assets (ROA) | 1.2866% | 1,850 |
| Pretax return on assets | 1.2866% | 2,553 |
| Return on Equity (ROE) | 13.5560% | 1,157 |
| Retained earnings to average equity (ytd only) | 4.5865% | 3,003 |
| Net charge-offs to loans | 0.1795% | 1,070 |
| Credit loss provision to net charge-offs | 134.1853% | 1,980 |
| Earnings coverage of net charge-offs (x) | 11.7572% | 2,602 |
| Efficiency ratio | 66.1889% | 2,841 |
| Assets per employee ($millions) | 3.9355% | 3,986 |
| Cash dividends to net income (ytd only)* | 66.1661% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9827% | 3,791 |
| Loan loss allowance to noncurrent loans | 71.8455% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 1.2636% | 1,017 |
| Noncurrent loans to loans | 1.3678% | 1,140 |
| Net loans and leases to total assets | 71.0355% | 2,415 |
| Net loans and leases to deposits | 80.3617% | 2,914 |
| Net loans and leases to core deposits | 80.8791% | 3,358 |
| Total domestic deposits to total assets | 88.3947% | 1,122 |
| Equity capital to assets | 10.1941% | 3,476 |
| Core capital (leverage) ratio | 10.4270% | 3,113 |
| Tier 1 risk-based capital ratio | 14.3413% | 3,144 |
| Total risk-based capital ratio | 15.2839% | 3,207 |
| Memoranda: | ||
| Average total assets | $253,623,200 | 2,447 |
| Average earning assets | $235,936,200 | 2,443 |
| Average equity | $24,070,600 | 2,722 |
| Average total loans | $174,419,400 | 2,389 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3077% | 2,936 |
| Cost of funding earning assets | 0.2643% | 4,708 |
| Net interest margin | 4.0433% | 1,809 |
| Noninterest income to average assets | 0.5092% | 2,813 |
| Noninterest expense to average assets | 2.6358% | 3,181 |
| Loan and lease loss provision to assets | 0.1882% | 952 |
| Net operating income to assets | 1.4355% | 1,373 |
| Return on assets (ROA) | 1.4366% | 1,372 |
| Pretax return on assets | 1.4366% | 2,099 |
| Return on Equity (ROE) | 15.4143% | 801 |
| Retained earnings to average equity (ytd only) | 3.3039% | 4,098 |
| Net charge-offs to loans | 0.1037% | 1,450 |
| Credit loss provision to net charge-offs | 266.6667% | 1,117 |
| Earnings coverage of net charge-offs (x) | 23.0068% | 1,856 |
| Efficiency ratio | 61.8802% | 3,530 |
| Assets per employee ($millions) | 3.9234% | 4,014 |
| Cash dividends to net income (ytd only)* | 78.5661% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0461% | 3,490 |
| Loan loss allowance to noncurrent loans | 88.9843% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 1.0203% | 1,422 |
| Noncurrent loans to loans | 1.1756% | 1,436 |
| Net loans and leases to total assets | 70.2950% | 2,598 |
| Net loans and leases to deposits | 77.8161% | 3,253 |
| Net loans and leases to core deposits | 78.2987% | 3,633 |
| Total domestic deposits to total assets | 90.3348% | 400 |
| Equity capital to assets | 9.6059% | 3,988 |
| Core capital (leverage) ratio | 10.2803% | 3,319 |
| Tier 1 risk-based capital ratio | 14.1805% | 3,280 |
| Total risk-based capital ratio | 15.1950% | 3,311 |
| Memoranda: | ||
| Average total assets | $255,044,500 | 2,456 |
| Average earning assets | $236,564,250 | 2,454 |
| Average equity | $23,769,500 | 2,759 |
| Average total loans | $173,556,250 | 2,407 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3127% | 2,717 |
| Cost of funding earning assets | 0.2621% | 4,685 |
| Net interest margin | 4.0506% | 1,698 |
| Noninterest income to average assets | 0.5383% | 2,647 |
| Noninterest expense to average assets | 2.6361% | 3,199 |
| Loan and lease loss provision to assets | 0.1872% | 947 |
| Net operating income to assets | 1.4519% | 1,273 |
| Return on assets (ROA) | 1.4519% | 1,274 |
| Pretax return on assets | 1.4519% | 1,977 |
| Return on Equity (ROE) | 15.7361% | 723 |
| Retained earnings to average equity (ytd only) | -2.5198% | 5,188 |
| Net charge-offs to loans | 0.1721% | 906 |
| Credit loss provision to net charge-offs | 162.1622% | 1,501 |
| Earnings coverage of net charge-offs (x) | 14.1959% | 2,111 |
| Efficiency ratio | 61.6606% | 3,671 |
| Assets per employee ($millions) | 3.9293% | 4,021 |
| Cash dividends to net income (ytd only)* | 116.0129% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9892% | 3,915 |
| Loan loss allowance to noncurrent loans | 103.7081% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 0.7525% | 1,980 |
| Noncurrent loans to loans | 0.9538% | 1,821 |
| Net loans and leases to total assets | 67.9582% | 2,876 |
| Net loans and leases to deposits | 74.9449% | 3,442 |
| Net loans and leases to core deposits | 75.3144% | 3,789 |
| Total domestic deposits to total assets | 90.6775% | 338 |
| Equity capital to assets | 9.2340% | 4,350 |
| Core capital (leverage) ratio | 9.8894% | 3,692 |
| Tier 1 risk-based capital ratio | 13.6337% | 3,543 |
| Total risk-based capital ratio | 14.5720% | 3,641 |
| Memoranda: | ||
| Average total assets | $256,360,670 | 2,456 |
| Average earning assets | $236,508,670 | 2,458 |
| Average equity | $23,652,670 | 2,781 |
| Average total loans | $171,950,330 | 2,433 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2997% | 2,509 |
| Cost of funding earning assets | 0.2598% | 4,651 |
| Net interest margin | 4.0399% | 1,595 |
| Noninterest income to average assets | 0.5295% | 2,632 |
| Noninterest expense to average assets | 2.6522% | 3,186 |
| Loan and lease loss provision to assets | 0.1869% | 907 |
| Net operating income to assets | 1.4203% | 1,286 |
| Return on assets (ROA) | 1.4203% | 1,291 |
| Pretax return on assets | 1.4203% | 1,933 |
| Return on Equity (ROE) | 15.4009% | 729 |
| Retained earnings to average equity (ytd only) | -21.0580% | 5,513 |
| Net charge-offs to loans | 0.1456% | 949 |
| Credit loss provision to net charge-offs | 193.5484% | 1,064 |
| Earnings coverage of net charge-offs (x) | 16.6452% | 1,612 |
| Efficiency ratio | 62.2669% | 3,738 |
| Assets per employee ($millions) | 4.0755% | 3,842 |
| Cash dividends to net income (ytd only)* | 236.7325% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9871% | 4,036 |
| Loan loss allowance to noncurrent loans | 125.1105% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 0.6146% | 2,467 |
| Noncurrent loans to loans | 0.7890% | 2,238 |
| Net loans and leases to total assets | 66.3740% | 2,979 |
| Net loans and leases to deposits | 72.8683% | 3,523 |
| Net loans and leases to core deposits | 73.1291% | 3,874 |
| Total domestic deposits to total assets | 91.0877% | 290 |
| Equity capital to assets | 8.8220% | 4,721 |
| Core capital (leverage) ratio | 9.5421% | 4,019 |
| Tier 1 risk-based capital ratio | 12.9549% | 3,972 |
| Total risk-based capital ratio | 13.8627% | 4,073 |
| Memoranda: | ||
| Average total assets | $256,839,000 | 2,467 |
| Average earning assets | $237,135,500 | 2,475 |
| Average equity | $23,687,000 | 2,802 |
| Average total loans | $170,274,500 | 2,470 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0760% | 3,147 |
| Cost of funding earning assets | 0.2749% | 4,364 |
| Net interest margin | 3.8011% | 2,421 |
| Noninterest income to average assets | 0.4944% | 3,035 |
| Noninterest expense to average assets | 2.6157% | 3,393 |
| Loan and lease loss provision to assets | 0.1806% | 1,191 |
| Net operating income to assets | 1.2077% | 1,499 |
| Return on assets (ROA) | 1.2199% | 1,479 |
| Pretax return on assets | 1.2199% | 2,687 |
| Return on Equity (ROE) | 12.9882% | 956 |
| Retained earnings to average equity (ytd only) | 4.4837% | 2,460 |
| Net charge-offs to loans | 0.2899% | 904 |
| Credit loss provision to net charge-offs | 98.9270% | 2,626 |
| Earnings coverage of net charge-offs (x) | 7.6052% | 3,020 |
| Efficiency ratio | 65.3263% | 3,381 |
| Assets per employee ($millions) | 4.1439% | 3,755 |
| Cash dividends to net income (ytd only)* | 65.4785% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9749% | 4,080 |
| Loan loss allowance to noncurrent loans | 65.4966% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 1.0653% | 1,433 |
| Noncurrent loans to loans | 1.4885% | 1,143 |
| Net loans and leases to total assets | 64.9180% | 3,244 |
| Net loans and leases to deposits | 71.8821% | 3,712 |
| Net loans and leases to core deposits | 72.1414% | 4,038 |
| Total domestic deposits to total assets | 90.3118% | 465 |
| Equity capital to assets | 9.6228% | 4,120 |
| Core capital (leverage) ratio | 9.8552% | 3,629 |
| Tier 1 risk-based capital ratio | 13.7222% | 3,509 |
| Total risk-based capital ratio | 14.6061% | 3,622 |
| Memoranda: | ||
| Average total assets | $255,269,000 | 2,454 |
| Average earning assets | $235,695,800 | 2,454 |
| Average equity | $23,975,600 | 2,762 |
| Average total loans | $160,734,400 | 2,541 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0500% | 3,177 |
| Cost of funding earning assets | 0.2760% | 4,351 |
| Net interest margin | 3.7740% | 2,489 |
| Noninterest income to average assets | 0.5137% | 2,948 |
| Noninterest expense to average assets | 2.4238% | 3,954 |
| Loan and lease loss provision to assets | 0.2098% | 899 |
| Net operating income to assets | 1.3644% | 1,172 |
| Return on assets (ROA) | 1.3806% | 1,149 |
| Pretax return on assets | 1.3806% | 2,170 |
| Return on Equity (ROE) | 14.7909% | 681 |
| Retained earnings to average equity (ytd only) | 3.3629% | 3,926 |
| Net charge-offs to loans | 0.3526% | 600 |
| Credit loss provision to net charge-offs | 95.4762% | 2,381 |
| Earnings coverage of net charge-offs (x) | 7.1642% | 2,907 |
| Efficiency ratio | 60.6255% | 4,111 |
| Assets per employee ($millions) | 4.1247% | 3,783 |
| Cash dividends to net income (ytd only)* | 77.2641% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9658% | 4,258 |
| Loan loss allowance to noncurrent loans | 84.3361% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 0.8678% | 1,982 |
| Noncurrent loans to loans | 1.1451% | 1,676 |
| Net loans and leases to total assets | 64.1657% | 3,374 |
| Net loans and leases to deposits | 71.0053% | 3,870 |
| Net loans and leases to core deposits | 71.2578% | 4,170 |
| Total domestic deposits to total assets | 90.3674% | 360 |
| Equity capital to assets | 9.5749% | 4,371 |
| Core capital (leverage) ratio | 9.8484% | 3,755 |
| Tier 1 risk-based capital ratio | 13.4974% | 3,705 |
| Total risk-based capital ratio | 14.3747% | 3,830 |
| Memoranda: | ||
| Average total assets | $254,856,000 | 2,473 |
| Average earning assets | $235,285,500 | 2,474 |
| Average equity | $23,788,750 | 2,801 |
| Average total loans | $158,810,500 | 2,578 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9495% | 3,376 |
| Cost of funding earning assets | 0.2797% | 4,294 |
| Net interest margin | 3.6698% | 2,753 |
| Noninterest income to average assets | 0.6375% | 2,270 |
| Noninterest expense to average assets | 2.4243% | 3,982 |
| Loan and lease loss provision to assets | 0.1580% | 1,264 |
| Net operating income to assets | 1.4448% | 964 |
| Return on assets (ROA) | 1.4661% | 943 |
| Pretax return on assets | 1.4661% | 1,773 |
| Return on Equity (ROE) | 15.8465% | 553 |
| Retained earnings to average equity (ytd only) | -1.3405% | 5,268 |
| Net charge-offs to loans | 0.5051% | 387 |
| Credit loss provision to net charge-offs | 50.8906% | 2,550 |
| Earnings coverage of net charge-offs (x) | 5.1628% | 2,853 |
| Efficiency ratio | 60.2001% | 4,287 |
| Assets per employee ($millions) | 3.8544% | 4,192 |
| Cash dividends to net income (ytd only)* | 108.4591% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9192% | 4,562 |
| Loan loss allowance to noncurrent loans | 95.1571% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 0.7755% | 2,269 |
| Noncurrent loans to loans | 0.9660% | 2,031 |
| Net loans and leases to total assets | 62.5579% | 3,566 |
| Net loans and leases to deposits | 69.3520% | 3,957 |
| Net loans and leases to core deposits | 69.6083% | 4,250 |
| Total domestic deposits to total assets | 90.2034% | 467 |
| Equity capital to assets | 9.7016% | 4,225 |
| Core capital (leverage) ratio | 9.6473% | 3,962 |
| Tier 1 risk-based capital ratio | 14.0279% | 3,419 |
| Total risk-based capital ratio | 14.8686% | 3,551 |
| Memoranda: | ||
| Average total assets | $253,189,000 | 2,496 |
| Average earning assets | $233,855,000 | 2,493 |
| Average equity | $23,424,670 | 2,838 |
| Average total loans | $155,625,670 | 2,625 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9075% | 3,373 |
| Cost of funding earning assets | 0.2831% | 4,224 |
| Net interest margin | 3.6243% | 2,803 |
| Noninterest income to average assets | 0.7151% | 1,895 |
| Noninterest expense to average assets | 2.4046% | 4,098 |
| Loan and lease loss provision to assets | 0.1257% | 1,530 |
| Net operating income to assets | 1.5245% | 773 |
| Return on assets (ROA) | 1.5245% | 800 |
| Pretax return on assets | 1.5245% | 1,457 |
| Return on Equity (ROE) | 16.8813% | 426 |
| Retained earnings to average equity (ytd only) | -18.1518% | 5,705 |
| Net charge-offs to loans | -0.0207% | 4,764 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3023% | 4,559 |
| Assets per employee ($millions) | 3.9591% | 4,079 |
| Cash dividends to net income (ytd only)* | 207.5258% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1025% | 3,705 |
| Loan loss allowance to noncurrent loans | 69.0562% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 0.9910% | 1,842 |
| Noncurrent loans to loans | 1.5966% | 1,216 |
| Net loans and leases to total assets | 61.3847% | 3,613 |
| Net loans and leases to deposits | 67.5323% | 4,034 |
| Net loans and leases to core deposits | 67.7765% | 4,305 |
| Total domestic deposits to total assets | 90.8968% | 333 |
| Equity capital to assets | 8.9986% | 4,802 |
| Core capital (leverage) ratio | 9.1880% | 4,497 |
| Tier 1 risk-based capital ratio | 13.4138% | 3,827 |
| Total risk-based capital ratio | 14.4088% | 3,896 |
| Memoranda: | ||
| Average total assets | $254,515,500 | 2,508 |
| Average earning assets | $234,526,000 | 2,515 |
| Average equity | $22,984,000 | 2,893 |
| Average total loans | $154,346,500 | 2,644 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8698% | 3,679 |
| Cost of funding earning assets | 0.2953% | 4,119 |
| Net interest margin | 3.5745% | 3,169 |
| Noninterest income to average assets | 0.5654% | 2,839 |
| Noninterest expense to average assets | 2.6283% | 3,593 |
| Loan and lease loss provision to assets | 0.1674% | 1,465 |
| Net operating income to assets | 1.0739% | 2,020 |
| Return on assets (ROA) | 1.0743% | 2,118 |
| Pretax return on assets | 1.0743% | 3,199 |
| Return on Equity (ROE) | 11.3470% | 1,449 |
| Retained earnings to average equity (ytd only) | 3.2240% | 3,622 |
| Net charge-offs to loans | 0.1456% | 1,808 |
| Credit loss provision to net charge-offs | 199.0521% | 1,426 |
| Earnings coverage of net charge-offs (x) | 14.7630% | 2,264 |
| Efficiency ratio | 67.9230% | 3,246 |
| Assets per employee ($millions) | 3.9330% | 4,090 |
| Cash dividends to net income (ytd only)* | 71.5875% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0870% | 3,783 |
| Loan loss allowance to noncurrent loans | 69.3929% | 4,235 |
| Noncurrent assets plus other real estate owned to assets | 0.9278% | 2,043 |
| Noncurrent loans to loans | 1.5665% | 1,262 |
| Net loans and leases to total assets | 58.5863% | 4,012 |
| Net loans and leases to deposits | 64.4835% | 4,368 |
| Net loans and leases to core deposits | 64.7145% | 4,594 |
| Total domestic deposits to total assets | 90.8546% | 328 |
| Equity capital to assets | 9.0621% | 4,751 |
| Core capital (leverage) ratio | 9.4455% | 4,162 |
| Tier 1 risk-based capital ratio | 14.1485% | 3,383 |
| Total risk-based capital ratio | 15.1022% | 3,457 |
| Memoranda: | ||
| Average total assets | $250,964,800 | 2,499 |
| Average earning assets | $231,975,000 | 2,500 |
| Average equity | $23,759,600 | 2,820 |
| Average total loans | $144,920,400 | 2,713 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8821% | 3,649 |
| Cost of funding earning assets | 0.2964% | 4,145 |
| Net interest margin | 3.5857% | 3,130 |
| Noninterest income to average assets | 0.5530% | 2,902 |
| Noninterest expense to average assets | 2.4937% | 4,003 |
| Loan and lease loss provision to assets | 0.1922% | 1,127 |
| Net operating income to assets | 1.1860% | 1,688 |
| Return on assets (ROA) | 1.1865% | 1,785 |
| Pretax return on assets | 1.1865% | 2,886 |
| Return on Equity (ROE) | 12.3974% | 1,204 |
| Retained earnings to average equity (ytd only) | 1.7065% | 4,824 |
| Net charge-offs to loans | 0.0791% | 2,192 |
| Credit loss provision to net charge-offs | 423.5294% | 807 |
| Earnings coverage of net charge-offs (x) | 30.3766% | 1,478 |
| Efficiency ratio | 64.4058% | 3,867 |
| Assets per employee ($millions) | 3.9614% | 4,034 |
| Cash dividends to net income (ytd only)* | 86.2348% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1545% | 3,518 |
| Loan loss allowance to noncurrent loans | 52.1302% | 4,683 |
| Noncurrent assets plus other real estate owned to assets | 1.2961% | 1,484 |
| Noncurrent loans to loans | 2.2146% | 843 |
| Net loans and leases to total assets | 57.8488% | 4,111 |
| Net loans and leases to deposits | 64.2547% | 4,468 |
| Net loans and leases to core deposits | 64.4179% | 4,707 |
| Total domestic deposits to total assets | 90.0304% | 473 |
| Equity capital to assets | 9.8872% | 4,260 |
| Core capital (leverage) ratio | 9.4106% | 4,313 |
| Tier 1 risk-based capital ratio | 14.1169% | 3,496 |
| Total risk-based capital ratio | 15.1263% | 3,548 |
| Memoranda: | ||
| Average total assets | $249,794,250 | 2,513 |
| Average earning assets | $231,212,000 | 2,517 |
| Average equity | $23,907,750 | 2,824 |
| Average total loans | $143,295,500 | 2,732 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8921% | 3,633 |
| Cost of funding earning assets | 0.2959% | 4,179 |
| Net interest margin | 3.5962% | 3,112 |
| Noninterest income to average assets | 0.6196% | 2,507 |
| Noninterest expense to average assets | 2.5057% | 4,011 |
| Loan and lease loss provision to assets | 0.2414% | 816 |
| Net operating income to assets | 1.2070% | 1,576 |
| Return on assets (ROA) | 1.2078% | 1,671 |
| Pretax return on assets | 1.2078% | 2,756 |
| Return on Equity (ROE) | 12.7629% | 1,087 |
| Retained earnings to average equity (ytd only) | -3.5372% | 5,675 |
| Net charge-offs to loans | 0.0946% | 1,896 |
| Credit loss provision to net charge-offs | 447.7612% | 719 |
| Earnings coverage of net charge-offs (x) | 26.8657% | 1,472 |
| Efficiency ratio | 63.3700% | 4,124 |
| Assets per employee ($millions) | 3.7243% | 4,402 |
| Cash dividends to net income (ytd only)* | 127.7149% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1645% | 3,554 |
| Loan loss allowance to noncurrent loans | 53.8511% | 4,716 |
| Noncurrent assets plus other real estate owned to assets | 1.2833% | 1,583 |
| Noncurrent loans to loans | 2.1624% | 883 |
| Net loans and leases to total assets | 56.0026% | 4,309 |
| Net loans and leases to deposits | 62.0289% | 4,649 |
| Net loans and leases to core deposits | 62.2565% | 4,867 |
| Total domestic deposits to total assets | 90.2847% | 387 |
| Equity capital to assets | 9.6052% | 4,664 |
| Core capital (leverage) ratio | 9.2916% | 4,468 |
| Tier 1 risk-based capital ratio | 13.9774% | 3,617 |
| Total risk-based capital ratio | 14.9826% | 3,682 |
| Memoranda: | ||
| Average total assets | $248,549,000 | 2,544 |
| Average earning assets | $230,467,000 | 2,534 |
| Average equity | $23,521,330 | 2,870 |
| Average total loans | $141,601,670 | 2,757 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9287% | 3,468 |
| Cost of funding earning assets | 0.2971% | 4,192 |
| Net interest margin | 3.6316% | 2,961 |
| Noninterest income to average assets | 0.6158% | 2,440 |
| Noninterest expense to average assets | 2.5427% | 3,935 |
| Loan and lease loss provision to assets | 0.2924% | 544 |
| Net operating income to assets | 1.1568% | 1,685 |
| Return on assets (ROA) | 1.1584% | 1,797 |
| Pretax return on assets | 1.1584% | 2,859 |
| Return on Equity (ROE) | 12.3359% | 1,207 |
| Retained earnings to average equity (ytd only) | -20.8309% | 5,973 |
| Net charge-offs to loans | 0.0256% | 2,425 |
| Credit loss provision to net charge-offs | 2,000.0000% | 206 |
| Earnings coverage of net charge-offs (x) | 99.1111% | 540 |
| Efficiency ratio | 63.6956% | 4,172 |
| Assets per employee ($millions) | 3.7530% | 4,383 |
| Cash dividends to net income (ytd only)* | 268.8640% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1287% | 3,892 |
| Loan loss allowance to noncurrent loans | 54.7465% | 4,718 |
| Noncurrent assets plus other real estate owned to assets | 1.2826% | 1,682 |
| Noncurrent loans to loans | 2.0617% | 1,027 |
| Net loans and leases to total assets | 56.9007% | 4,158 |
| Net loans and leases to deposits | 62.7304% | 4,529 |
| Net loans and leases to core deposits | 62.8919% | 4,761 |
| Total domestic deposits to total assets | 90.7068% | 359 |
| Equity capital to assets | 9.1963% | 4,990 |
| Core capital (leverage) ratio | 9.1469% | 4,663 |
| Tier 1 risk-based capital ratio | 13.8704% | 3,777 |
| Total risk-based capital ratio | 14.8644% | 3,851 |
| Memoranda: | ||
| Average total assets | $246,199,000 | 2,569 |
| Average earning assets | $228,882,000 | 2,560 |
| Average equity | $23,119,500 | 2,911 |
| Average total loans | $140,654,000 | 2,772 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9169% | 3,647 |
| Cost of funding earning assets | 0.3105% | 4,139 |
| Net interest margin | 3.6065% | 3,103 |
| Noninterest income to average assets | 0.5217% | 3,185 |
| Noninterest expense to average assets | 2.7419% | 3,439 |
| Loan and lease loss provision to assets | 0.2720% | 674 |
| Net operating income to assets | 0.8394% | 3,160 |
| Return on assets (ROA) | 0.8452% | 3,202 |
| Pretax return on assets | 0.8452% | 4,041 |
| Return on Equity (ROE) | 8.9827% | 2,463 |
| Retained earnings to average equity (ytd only) | 0.1270% | 5,455 |
| Net charge-offs to loans | 0.2025% | 1,442 |
| Credit loss provision to net charge-offs | 237.4101% | 1,202 |
| Earnings coverage of net charge-offs (x) | 9.7014% | 2,788 |
| Efficiency ratio | 71.1582% | 3,045 |
| Assets per employee ($millions) | 3.6522% | 4,562 |
| Cash dividends to net income (ytd only)* | 98.5861% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0363% | 4,407 |
| Loan loss allowance to noncurrent loans | 51.0291% | 4,855 |
| Noncurrent assets plus other real estate owned to assets | 1.1994% | 1,808 |
| Noncurrent loans to loans | 2.0309% | 1,019 |
| Net loans and leases to total assets | 56.1173% | 4,292 |
| Net loans and leases to deposits | 62.1252% | 4,625 |
| Net loans and leases to core deposits | 62.2878% | 4,859 |
| Total domestic deposits to total assets | 90.3294% | 490 |
| Equity capital to assets | 9.5872% | 4,453 |
| Core capital (leverage) ratio | 9.6428% | 3,987 |
| Tier 1 risk-based capital ratio | 14.8524% | 3,242 |
| Total risk-based capital ratio | 15.7553% | 3,352 |
| Memoranda: | ||
| Average total assets | $242,678,600 | 2,556 |
| Average earning assets | $224,180,600 | 2,556 |
| Average equity | $22,832,800 | 2,892 |
| Average total loans | $137,310,600 | 2,762 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9327% | 3,619 |
| Cost of funding earning assets | 0.3138% | 4,180 |
| Net interest margin | 3.6189% | 3,087 |
| Noninterest income to average assets | 0.5203% | 3,222 |
| Noninterest expense to average assets | 2.6195% | 3,804 |
| Loan and lease loss provision to assets | 0.2643% | 624 |
| Net operating income to assets | 0.9761% | 2,592 |
| Return on assets (ROA) | 0.9838% | 2,635 |
| Pretax return on assets | 0.9838% | 3,675 |
| Return on Equity (ROE) | 10.5072% | 1,899 |
| Retained earnings to average equity (ytd only) | -1.2759% | 5,787 |
| Net charge-offs to loans | 0.2181% | 1,198 |
| Credit loss provision to net charge-offs | 214.2857% | 1,262 |
| Earnings coverage of net charge-offs (x) | 10.0580% | 2,633 |
| Efficiency ratio | 67.8648% | 3,570 |
| Assets per employee ($millions) | 3.4881% | 4,810 |
| Cash dividends to net income (ytd only)* | 112.1430% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9794% | 4,843 |
| Loan loss allowance to noncurrent loans | 42.2136% | 5,163 |
| Noncurrent assets plus other real estate owned to assets | 1.3034% | 1,791 |
| Noncurrent loans to loans | 2.3201% | 915 |
| Net loans and leases to total assets | 53.5602% | 4,611 |
| Net loans and leases to deposits | 59.2271% | 4,910 |
| Net loans and leases to core deposits | 59.3798% | 5,108 |
| Total domestic deposits to total assets | 90.4319% | 409 |
| Equity capital to assets | 9.4882% | 4,766 |
| Core capital (leverage) ratio | 9.7220% | 4,005 |
| Tier 1 risk-based capital ratio | 15.2141% | 3,184 |
| Total risk-based capital ratio | 16.0669% | 3,324 |
| Memoranda: | ||
| Average total assets | $242,173,250 | 2,580 |
| Average earning assets | $223,490,500 | 2,581 |
| Average equity | $22,676,000 | 2,923 |
| Average total loans | $136,949,000 | 2,785 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0381% | 3,133 |
| Cost of funding earning assets | 0.3179% | 4,188 |
| Net interest margin | 3.7202% | 2,624 |
| Noninterest income to average assets | 0.5267% | 3,190 |
| Noninterest expense to average assets | 2.7244% | 3,515 |
| Loan and lease loss provision to assets | 0.2496% | 701 |
| Net operating income to assets | 0.9902% | 2,436 |
| Return on assets (ROA) | 1.0019% | 2,488 |
| Pretax return on assets | 1.0019% | 3,581 |
| Return on Equity (ROE) | 10.7490% | 1,764 |
| Retained earnings to average equity (ytd only) | -7.0262% | 6,093 |
| Net charge-offs to loans | 0.1073% | 1,923 |
| Credit loss provision to net charge-offs | 405.4054% | 740 |
| Earnings coverage of net charge-offs (x) | 20.1351% | 1,718 |
| Efficiency ratio | 68.7238% | 3,551 |
| Assets per employee ($millions) | 3.3453% | 5,081 |
| Cash dividends to net income (ytd only)* | 165.3654% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9131% | 5,255 |
| Loan loss allowance to noncurrent loans | 50.8744% | 4,968 |
| Noncurrent assets plus other real estate owned to assets | 1.1444% | 2,217 |
| Noncurrent loans to loans | 1.7948% | 1,426 |
| Net loans and leases to total assets | 58.4833% | 4,042 |
| Net loans and leases to deposits | 64.5747% | 4,482 |
| Net loans and leases to core deposits | 64.9600% | 4,737 |
| Total domestic deposits to total assets | 90.5669% | 428 |
| Equity capital to assets | 9.3203% | 4,874 |
| Core capital (leverage) ratio | 9.4442% | 4,345 |
| Tier 1 risk-based capital ratio | 15.3717% | 3,174 |
| Total risk-based capital ratio | 16.2333% | 3,304 |
| Memoranda: | ||
| Average total assets | $240,345,670 | 2,607 |
| Average earning assets | $222,084,330 | 2,607 |
| Average equity | $22,402,000 | 2,961 |
| Average total loans | $137,946,330 | 2,776 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9643% | 3,361 |
| Cost of funding earning assets | 0.3162% | 4,261 |
| Net interest margin | 3.6481% | 2,822 |
| Noninterest income to average assets | 0.5923% | 2,687 |
| Noninterest expense to average assets | 2.7449% | 3,434 |
| Loan and lease loss provision to assets | 0.1985% | 936 |
| Net operating income to assets | 1.0275% | 2,141 |
| Return on assets (ROA) | 1.0275% | 2,283 |
| Pretax return on assets | 1.0275% | 3,393 |
| Return on Equity (ROE) | 11.0231% | 1,626 |
| Retained earnings to average equity (ytd only) | -23.4485% | 6,298 |
| Net charge-offs to loans | 0.0175% | 2,813 |
| Credit loss provision to net charge-offs | 2,000.0000% | 197 |
| Earnings coverage of net charge-offs (x) | 123.5000% | 415 |
| Efficiency ratio | 69.1250% | 3,635 |
| Assets per employee ($millions) | 3.5338% | 4,835 |
| Cash dividends to net income (ytd only)* | 312.7214% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8601% | 5,539 |
| Loan loss allowance to noncurrent loans | 54.4481% | 4,891 |
| Noncurrent assets plus other real estate owned to assets | 1.2390% | 2,160 |
| Noncurrent loans to loans | 1.5796% | 1,769 |
| Net loans and leases to total assets | 55.2622% | 4,287 |
| Net loans and leases to deposits | 60.9221% | 4,668 |
| Net loans and leases to core deposits | 61.2753% | 4,887 |
| Total domestic deposits to total assets | 90.7097% | 465 |
| Equity capital to assets | 9.1935% | 5,094 |
| Core capital (leverage) ratio | 9.2477% | 4,653 |
| Tier 1 risk-based capital ratio | 20.3757% | 1,547 |
| Total risk-based capital ratio | 21.2692% | 1,581 |
| Memoranda: | ||
| Average total assets | $241,761,500 | 2,621 |
| Average earning assets | $223,897,500 | 2,606 |
| Average equity | $22,534,500 | 2,970 |
| Average total loans | $136,826,500 | 2,792 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0153% | 3,673 |
| Cost of funding earning assets | 0.3423% | 4,340 |
| Net interest margin | 3.6730% | 3,116 |
| Noninterest income to average assets | 0.5447% | 3,203 |
| Noninterest expense to average assets | 2.8715% | 3,236 |
| Loan and lease loss provision to assets | 0.2010% | 1,266 |
| Net operating income to assets | 0.8683% | 3,030 |
| Return on assets (ROA) | 0.8875% | 3,019 |
| Pretax return on assets | 0.8875% | 3,939 |
| Return on Equity (ROE) | 10.0881% | 2,080 |
| Retained earnings to average equity (ytd only) | 0.4663% | 5,564 |
| Net charge-offs to loans | 0.5159% | 794 |
| Credit loss provision to net charge-offs | 71.5350% | 3,032 |
| Earnings coverage of net charge-offs (x) | 3.8063% | 3,807 |
| Efficiency ratio | 72.8673% | 3,061 |
| Assets per employee ($millions) | 3.3759% | 5,117 |
| Cash dividends to net income (ytd only)* | 95.3774% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7667% | 5,853 |
| Loan loss allowance to noncurrent loans | 50.2618% | 5,094 |
| Noncurrent assets plus other real estate owned to assets | 1.3956% | 1,995 |
| Noncurrent loans to loans | 1.5254% | 1,924 |
| Net loans and leases to total assets | 57.0239% | 4,190 |
| Net loans and leases to deposits | 63.0251% | 4,635 |
| Net loans and leases to core deposits | 63.3978% | 4,882 |
| Total domestic deposits to total assets | 90.4781% | 548 |
| Equity capital to assets | 9.4506% | 4,777 |
| Core capital (leverage) ratio | 9.7355% | 3,923 |
| Tier 1 risk-based capital ratio | 15.1799% | 3,390 |
| Total risk-based capital ratio | 15.8578% | 3,649 |
| Memoranda: | ||
| Average total assets | $238,864,800 | 2,622 |
| Average earning assets | $220,855,600 | 2,617 |
| Average equity | $21,014,800 | 3,052 |
| Average total loans | $130,061,000 | 2,866 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9880% | 3,806 |
| Cost of funding earning assets | 0.3473% | 4,367 |
| Net interest margin | 3.6407% | 3,268 |
| Noninterest income to average assets | 0.5447% | 3,235 |
| Noninterest expense to average assets | 2.7408% | 3,665 |
| Loan and lease loss provision to assets | 0.2011% | 1,178 |
| Net operating income to assets | 0.9643% | 2,626 |
| Return on assets (ROA) | 0.9883% | 2,572 |
| Pretax return on assets | 0.9883% | 3,638 |
| Return on Equity (ROE) | 11.4465% | 1,648 |
| Retained earnings to average equity (ytd only) | -1.5918% | 6,041 |
| Net charge-offs to loans | 0.4703% | 838 |
| Credit loss provision to net charge-offs | 79.6460% | 2,600 |
| Earnings coverage of net charge-offs (x) | 4.6151% | 3,414 |
| Efficiency ratio | 70.1659% | 3,483 |
| Assets per employee ($millions) | 3.3603% | 5,116 |
| Cash dividends to net income (ytd only)* | 113.9061% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8728% | 5,681 |
| Loan loss allowance to noncurrent loans | 47.7095% | 5,230 |
| Noncurrent assets plus other real estate owned to assets | 1.4465% | 2,135 |
| Noncurrent loans to loans | 1.8294% | 1,753 |
| Net loans and leases to total assets | 55.0295% | 4,459 |
| Net loans and leases to deposits | 60.6391% | 4,882 |
| Net loans and leases to core deposits | 61.2216% | 5,097 |
| Total domestic deposits to total assets | 90.7491% | 438 |
| Equity capital to assets | 9.1515% | 5,211 |
| Core capital (leverage) ratio | 9.6600% | 4,137 |
| Tier 1 risk-based capital ratio | 15.1992% | 3,472 |
| Total risk-based capital ratio | 15.9539% | 3,696 |
| Memoranda: | ||
| Average total assets | $238,658,750 | 2,643 |
| Average earning assets | $220,354,500 | 2,634 |
| Average equity | $20,605,500 | 3,104 |
| Average total loans | $128,142,250 | 2,913 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9567% | 3,908 |
| Cost of funding earning assets | 0.3509% | 4,428 |
| Net interest margin | 3.6059% | 3,340 |
| Noninterest income to average assets | 0.5488% | 3,132 |
| Noninterest expense to average assets | 2.7392% | 3,731 |
| Loan and lease loss provision to assets | 0.2011% | 1,196 |
| Net operating income to assets | 0.9326% | 2,638 |
| Return on assets (ROA) | 0.9661% | 2,561 |
| Pretax return on assets | 0.9661% | 3,620 |
| Return on Equity (ROE) | 11.4181% | 1,593 |
| Retained earnings to average equity (ytd only) | -8.5363% | 6,387 |
| Net charge-offs to loans | 0.5888% | 685 |
| Credit loss provision to net charge-offs | 64.3432% | 2,572 |
| Earnings coverage of net charge-offs (x) | 3.6273% | 3,254 |
| Efficiency ratio | 70.7270% | 3,531 |
| Assets per employee ($millions) | 3.2676% | 5,312 |
| Cash dividends to net income (ytd only)* | 174.7615% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8667% | 5,822 |
| Loan loss allowance to noncurrent loans | 39.6656% | 5,510 |
| Noncurrent assets plus other real estate owned to assets | 1.5186% | 2,145 |
| Noncurrent loans to loans | 2.1851% | 1,503 |
| Net loans and leases to total assets | 52.7417% | 4,670 |
| Net loans and leases to deposits | 57.8790% | 5,053 |
| Net loans and leases to core deposits | 58.4250% | 5,240 |
| Total domestic deposits to total assets | 91.1241% | 371 |
| Equity capital to assets | 8.7535% | 5,569 |
| Core capital (leverage) ratio | 9.4054% | 4,461 |
| Tier 1 risk-based capital ratio | 15.1351% | 3,565 |
| Total risk-based capital ratio | 15.8797% | 3,800 |
| Memoranda: | ||
| Average total assets | $238,684,000 | 2,649 |
| Average earning assets | $220,031,000 | 2,640 |
| Average equity | $20,196,000 | 3,151 |
| Average total loans | $126,707,330 | 2,934 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9484% | 3,903 |
| Cost of funding earning assets | 0.3510% | 4,531 |
| Net interest margin | 3.5975% | 3,255 |
| Noninterest income to average assets | 0.5280% | 3,208 |
| Noninterest expense to average assets | 2.8120% | 3,523 |
| Loan and lease loss provision to assets | 0.2024% | 1,150 |
| Net operating income to assets | 0.8333% | 2,992 |
| Return on assets (ROA) | 0.8552% | 2,941 |
| Pretax return on assets | 0.8552% | 3,881 |
| Return on Equity (ROE) | 10.2887% | 1,936 |
| Retained earnings to average equity (ytd only) | -29.5267% | 6,616 |
| Net charge-offs to loans | 0.0859% | 2,294 |
| Credit loss provision to net charge-offs | 444.4444% | 604 |
| Earnings coverage of net charge-offs (x) | 22.7407% | 1,240 |
| Efficiency ratio | 73.0820% | 3,298 |
| Assets per employee ($millions) | 3.1984% | 5,521 |
| Cash dividends to net income (ytd only)* | 386.9822% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0559% | 5,292 |
| Loan loss allowance to noncurrent loans | 47.0340% | 5,314 |
| Noncurrent assets plus other real estate owned to assets | 1.6187% | 2,177 |
| Noncurrent loans to loans | 2.2449% | 1,609 |
| Net loans and leases to total assets | 52.3462% | 4,636 |
| Net loans and leases to deposits | 57.0556% | 5,028 |
| Net loans and leases to core deposits | 57.8598% | 5,211 |
| Total domestic deposits to total assets | 91.7459% | 317 |
| Equity capital to assets | 8.1582% | 5,940 |
| Core capital (leverage) ratio | 9.3431% | 4,508 |
| Tier 1 risk-based capital ratio | 15.0571% | 3,683 |
| Total risk-based capital ratio | 15.9713% | 3,827 |
| Memoranda: | ||
| Average total assets | $237,125,500 | 2,666 |
| Average earning assets | $218,821,000 | 2,666 |
| Average equity | $19,711,000 | 3,201 |
| Average total loans | $125,738,500 | 2,954 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9606% | 4,238 |
| Cost of funding earning assets | 0.4071% | 4,567 |
| Net interest margin | 3.5535% | 3,664 |
| Noninterest income to average assets | 0.5145% | 3,669 |
| Noninterest expense to average assets | 2.5580% | 4,592 |
| Loan and lease loss provision to assets | 0.1996% | 1,866 |
| Net operating income to assets | 1.0211% | 2,243 |
| Return on assets (ROA) | 1.0440% | 2,211 |
| Pretax return on assets | 1.0440% | 3,173 |
| Return on Equity (ROE) | 11.8765% | 1,460 |
| Retained earnings to average equity (ytd only) | 0.4826% | 5,626 |
| Net charge-offs to loans | 0.1888% | 2,950 |
| Credit loss provision to net charge-offs | 213.3333% | 1,078 |
| Earnings coverage of net charge-offs (x) | 13.0444% | 2,069 |
| Efficiency ratio | 67.6940% | 4,257 |
| Assets per employee ($millions) | 3.1249% | 5,624 |
| Cash dividends to net income (ytd only)* | 95.9363% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0011% | 5,558 |
| Loan loss allowance to noncurrent loans | 33.8859% | 5,822 |
| Noncurrent assets plus other real estate owned to assets | 1.8804% | 1,937 |
| Noncurrent loans to loans | 2.9542% | 1,166 |
| Net loans and leases to total assets | 52.6183% | 4,772 |
| Net loans and leases to deposits | 57.5344% | 5,163 |
| Net loans and leases to core deposits | 58.3602% | 5,362 |
| Total domestic deposits to total assets | 91.4554% | 417 |
| Equity capital to assets | 8.4704% | 5,614 |
| Core capital (leverage) ratio | 9.8879% | 3,721 |
| Tier 1 risk-based capital ratio | 16.1466% | 3,037 |
| Total risk-based capital ratio | 17.0025% | 3,182 |
| Memoranda: | ||
| Average total assets | $240,422,800 | 2,616 |
| Average earning assets | $220,849,600 | 2,608 |
| Average equity | $21,134,200 | 3,021 |
| Average total loans | $119,148,800 | 3,058 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9540% | 4,305 |
| Cost of funding earning assets | 0.4193% | 4,629 |
| Net interest margin | 3.5348% | 3,735 |
| Noninterest income to average assets | 0.5224% | 3,650 |
| Noninterest expense to average assets | 2.2909% | 5,372 |
| Loan and lease loss provision to assets | 0.1984% | 1,830 |
| Net operating income to assets | 1.2670% | 1,439 |
| Return on assets (ROA) | 1.2973% | 1,423 |
| Pretax return on assets | 1.2973% | 2,340 |
| Return on Equity (ROE) | 14.6289% | 864 |
| Retained earnings to average equity (ytd only) | -0.3356% | 6,010 |
| Net charge-offs to loans | 0.1845% | 2,750 |
| Credit loss provision to net charge-offs | 220.8589% | 1,102 |
| Earnings coverage of net charge-offs (x) | 16.3127% | 1,812 |
| Efficiency ratio | 60.9888% | 5,287 |
| Assets per employee ($millions) | 3.1931% | 5,510 |
| Cash dividends to net income (ytd only)* | 102.2940% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0079% | 5,675 |
| Loan loss allowance to noncurrent loans | 34.0109% | 5,843 |
| Noncurrent assets plus other real estate owned to assets | 1.6865% | 2,443 |
| Noncurrent loans to loans | 2.9636% | 1,371 |
| Net loans and leases to total assets | 48.7189% | 5,276 |
| Net loans and leases to deposits | 53.3069% | 5,607 |
| Net loans and leases to core deposits | 53.8067% | 5,781 |
| Total domestic deposits to total assets | 91.3932% | 394 |
| Equity capital to assets | 8.5316% | 5,700 |
| Core capital (leverage) ratio | 9.8443% | 3,900 |
| Tier 1 risk-based capital ratio | 16.6663% | 2,874 |
| Total risk-based capital ratio | 17.5136% | 3,022 |
| Memoranda: | ||
| Average total assets | $241,936,250 | 2,628 |
| Average earning assets | $221,338,000 | 2,615 |
| Average equity | $21,454,750 | 3,022 |
| Average total loans | $117,794,000 | 3,105 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9893% | 4,148 |
| Cost of funding earning assets | 0.4279% | 4,679 |
| Net interest margin | 3.5614% | 3,519 |
| Noninterest income to average assets | 0.5462% | 3,525 |
| Noninterest expense to average assets | 2.4980% | 4,740 |
| Loan and lease loss provision to assets | 0.1977% | 1,920 |
| Net operating income to assets | 1.1007% | 1,923 |
| Return on assets (ROA) | 1.1221% | 1,972 |
| Pretax return on assets | 1.1221% | 3,007 |
| Return on Equity (ROE) | 12.4979% | 1,359 |
| Retained earnings to average equity (ytd only) | -9.3688% | 6,648 |
| Net charge-offs to loans | 0.2174% | 2,451 |
| Credit loss provision to net charge-offs | 187.5000% | 1,269 |
| Earnings coverage of net charge-offs (x) | 12.3125% | 1,985 |
| Efficiency ratio | 65.7986% | 4,586 |
| Assets per employee ($millions) | 3.1551% | 5,574 |
| Cash dividends to net income (ytd only)* | 174.9633% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9324% | 6,039 |
| Loan loss allowance to noncurrent loans | 28.5936% | 6,069 |
| Noncurrent assets plus other real estate owned to assets | 1.8700% | 2,313 |
| Noncurrent loans to loans | 3.2610% | 1,347 |
| Net loans and leases to total assets | 48.9157% | 5,232 |
| Net loans and leases to deposits | 53.1815% | 5,589 |
| Net loans and leases to core deposits | 53.8661% | 5,764 |
| Total domestic deposits to total assets | 91.9787% | 251 |
| Equity capital to assets | 7.9057% | 6,264 |
| Core capital (leverage) ratio | 9.1439% | 4,765 |
| Tier 1 risk-based capital ratio | 15.9428% | 3,228 |
| Total risk-based capital ratio | 16.7285% | 3,450 |
| Memoranda: | ||
| Average total assets | $242,753,000 | 2,628 |
| Average earning assets | $221,540,000 | 2,620 |
| Average equity | $21,795,670 | 3,009 |
| Average total loans | $117,771,000 | 3,113 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9535% | 4,285 |
| Cost of funding earning assets | 0.4254% | 4,859 |
| Net interest margin | 3.5281% | 3,581 |
| Noninterest income to average assets | 0.7010% | 2,585 |
| Noninterest expense to average assets | 2.5172% | 4,695 |
| Loan and lease loss provision to assets | 0.1965% | 1,886 |
| Net operating income to assets | 1.2201% | 1,479 |
| Return on assets (ROA) | 1.2103% | 1,615 |
| Pretax return on assets | 1.2103% | 2,532 |
| Return on Equity (ROE) | 12.7331% | 1,232 |
| Retained earnings to average equity (ytd only) | -27.7407% | 6,890 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9883% | 5,011 |
| Assets per employee ($millions) | 3.1855% | 5,660 |
| Cash dividends to net income (ytd only)* | 317.8620% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9588% | 6,110 |
| Loan loss allowance to noncurrent loans | 31.1903% | 5,984 |
| Noncurrent assets plus other real estate owned to assets | 1.7253% | 2,705 |
| Noncurrent loans to loans | 3.0742% | 1,627 |
| Net loans and leases to total assets | 46.7850% | 5,354 |
| Net loans and leases to deposits | 51.5144% | 5,665 |
| Net loans and leases to core deposits | 52.1703% | 5,809 |
| Total domestic deposits to total assets | 90.8193% | 600 |
| Equity capital to assets | 9.0788% | 5,390 |
| Core capital (leverage) ratio | 8.9601% | 4,950 |
| Tier 1 risk-based capital ratio | 15.6832% | 3,438 |
| Total risk-based capital ratio | 16.4820% | 3,640 |
| Memoranda: | ||
| Average total assets | $244,235,500 | 2,641 |
| Average earning assets | $223,801,000 | 2,625 |
| Average equity | $23,215,000 | 2,895 |
| Average total loans | $117,457,500 | 3,139 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2605% | 4,363 |
| Cost of funding earning assets | 0.4667% | 5,444 |
| Net interest margin | 3.7938% | 3,252 |
| Noninterest income to average assets | 0.4401% | 4,319 |
| Noninterest expense to average assets | 2.8843% | 3,702 |
| Loan and lease loss provision to assets | 0.1971% | 3,170 |
| Net operating income to assets | 0.8667% | 2,973 |
| Return on assets (ROA) | 1.7630% | 610 |
| Pretax return on assets | 1.7630% | 991 |
| Return on Equity (ROE) | 18.4240% | 407 |
| Retained earnings to average equity (ytd only) | 10.3662% | 531 |
| Net charge-offs to loans | 0.6979% | 1,695 |
| Credit loss provision to net charge-offs | 58.1818% | 4,493 |
| Earnings coverage of net charge-offs (x) | 3.1406% | 3,864 |
| Efficiency ratio | 73.0553% | 3,231 |
| Assets per employee ($millions) | 3.1582% | 5,718 |
| Cash dividends to net income (ytd only)* | 43.7354% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8324% | 6,425 |
| Loan loss allowance to noncurrent loans | 29.9125% | 6,072 |
| Noncurrent assets plus other real estate owned to assets | 1.6378% | 2,949 |
| Noncurrent loans to loans | 2.7829% | 1,896 |
| Net loans and leases to total assets | 48.5458% | 5,355 |
| Net loans and leases to deposits | 53.9539% | 5,656 |
| Net loans and leases to core deposits | 54.6525% | 5,830 |
| Total domestic deposits to total assets | 89.9764% | 964 |
| Equity capital to assets | 9.9352% | 4,260 |
| Core capital (leverage) ratio | 9.6223% | 3,927 |
| Tier 1 risk-based capital ratio | 16.6013% | 2,841 |
| Total risk-based capital ratio | 17.3037% | 3,084 |
| Memoranda: | ||
| Average total assets | $243,560,800 | 2,596 |
| Average earning assets | $225,210,800 | 2,568 |
| Average equity | $23,306,600 | 2,821 |
| Average total loans | $118,215,200 | 3,120 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2835% | 4,513 |
| Cost of funding earning assets | 0.4744% | 5,598 |
| Net interest margin | 3.8091% | 3,302 |
| Noninterest income to average assets | 0.4854% | 4,022 |
| Noninterest expense to average assets | 2.6523% | 4,553 |
| Loan and lease loss provision to assets | 0.1970% | 3,114 |
| Net operating income to assets | 1.1683% | 1,834 |
| Return on assets (ROA) | 2.3464% | 245 |
| Pretax return on assets | 2.3464% | 375 |
| Return on Equity (ROE) | 24.7572% | 149 |
| Retained earnings to average equity (ytd only) | 13.9144% | 308 |
| Net charge-offs to loans | 0.2825% | 3,033 |
| Credit loss provision to net charge-offs | 144.0000% | 1,988 |
| Earnings coverage of net charge-offs (x) | 9.9798% | 2,243 |
| Efficiency ratio | 66.0174% | 4,452 |
| Assets per employee ($millions) | 3.3376% | 5,348 |
| Cash dividends to net income (ytd only)* | 43.7967% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2481% | 5,054 |
| Loan loss allowance to noncurrent loans | 37.3805% | 5,782 |
| Noncurrent assets plus other real estate owned to assets | 1.7932% | 2,921 |
| Noncurrent loans to loans | 3.3389% | 1,648 |
| Net loans and leases to total assets | 46.3556% | 5,730 |
| Net loans and leases to deposits | 51.5039% | 6,007 |
| Net loans and leases to core deposits | 52.1599% | 6,170 |
| Total domestic deposits to total assets | 90.0041% | 848 |
| Equity capital to assets | 9.9129% | 4,633 |
| Core capital (leverage) ratio | 9.6301% | 4,078 |
| Tier 1 risk-based capital ratio | 17.1689% | 2,664 |
| Total risk-based capital ratio | 18.2299% | 2,703 |
| Memoranda: | ||
| Average total assets | $243,654,750 | 2,615 |
| Average earning assets | $225,945,000 | 2,577 |
| Average equity | $23,093,000 | 2,868 |
| Average total loans | $118,007,250 | 3,163 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3071% | 4,544 |
| Cost of funding earning assets | 0.4871% | 5,708 |
| Net interest margin | 3.8201% | 3,269 |
| Noninterest income to average assets | 0.5079% | 3,875 |
| Noninterest expense to average assets | 2.6395% | 4,652 |
| Loan and lease loss provision to assets | 0.1979% | 3,104 |
| Net operating income to assets | 1.2146% | 1,661 |
| Return on assets (ROA) | 1.4496% | 1,216 |
| Pretax return on assets | 1.4496% | 2,010 |
| Return on Equity (ROE) | 15.5371% | 846 |
| Retained earnings to average equity (ytd only) | -1.0606% | 6,219 |
| Net charge-offs to loans | 0.1112% | 4,066 |
| Credit loss provision to net charge-offs | 363.6364% | 810 |
| Earnings coverage of net charge-offs (x) | 25.9545% | 1,183 |
| Efficiency ratio | 65.1404% | 4,698 |
| Assets per employee ($millions) | 3.0203% | 6,024 |
| Cash dividends to net income (ytd only)* | 106.8259% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2730% | 5,021 |
| Loan loss allowance to noncurrent loans | 33.7202% | 5,984 |
| Noncurrent assets plus other real estate owned to assets | 2.1612% | 2,594 |
| Noncurrent loans to loans | 3.7752% | 1,487 |
| Net loans and leases to total assets | 48.4989% | 5,566 |
| Net loans and leases to deposits | 53.7660% | 5,894 |
| Net loans and leases to core deposits | 54.6593% | 6,050 |
| Total domestic deposits to total assets | 90.2037% | 814 |
| Equity capital to assets | 9.6759% | 4,786 |
| Core capital (leverage) ratio | 8.5802% | 5,544 |
| Tier 1 risk-based capital ratio | 15.1997% | 3,631 |
| Total risk-based capital ratio | 16.2993% | 3,698 |
| Memoranda: | ||
| Average total assets | $242,545,670 | 2,630 |
| Average earning assets | $225,023,000 | 2,585 |
| Average equity | $22,629,670 | 2,898 |
| Average total loans | $118,697,330 | 3,163 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3180% | 4,670 |
| Cost of funding earning assets | 0.4997% | 5,823 |
| Net interest margin | 3.8182% | 3,299 |
| Noninterest income to average assets | 0.4675% | 4,163 |
| Noninterest expense to average assets | 2.6073% | 4,791 |
| Loan and lease loss provision to assets | 0.1975% | 2,969 |
| Net operating income to assets | 1.1967% | 1,747 |
| Return on assets (ROA) | 1.2098% | 1,886 |
| Pretax return on assets | 1.2098% | 2,879 |
| Return on Equity (ROE) | 13.2105% | 1,348 |
| Retained earnings to average equity (ytd only) | -20.5437% | 7,052 |
| Net charge-offs to loans | -0.0135% | 6,045 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1584% | 4,703 |
| Assets per employee ($millions) | 3.0758% | 6,007 |
| Cash dividends to net income (ytd only)* | 255.5102% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2395% | 5,319 |
| Loan loss allowance to noncurrent loans | 32.1735% | 6,055 |
| Noncurrent assets plus other real estate owned to assets | 2.2236% | 2,670 |
| Noncurrent loans to loans | 3.8527% | 1,605 |
| Net loans and leases to total assets | 47.9059% | 5,570 |
| Net loans and leases to deposits | 52.6853% | 5,928 |
| Net loans and leases to core deposits | 53.5481% | 6,092 |
| Total domestic deposits to total assets | 90.9283% | 589 |
| Equity capital to assets | 8.9671% | 5,547 |
| Core capital (leverage) ratio | 8.2188% | 6,003 |
| Tier 1 risk-based capital ratio | 14.5671% | 4,048 |
| Total risk-based capital ratio | 15.6385% | 4,154 |
| Memoranda: | ||
| Average total assets | $243,007,500 | 2,636 |
| Average earning assets | $224,920,500 | 2,600 |
| Average equity | $22,255,000 | 2,950 |
| Average total loans | $118,698,500 | 3,182 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5580% | 4,841 |
| Cost of funding earning assets | 0.6277% | 5,939 |
| Net interest margin | 3.9303% | 3,207 |
| Noninterest income to average assets | 0.4715% | 4,048 |
| Noninterest expense to average assets | 2.8930% | 3,984 |
| Loan and lease loss provision to assets | 0.3376% | 2,993 |
| Net operating income to assets | 0.8840% | 2,672 |
| Return on assets (ROA) | 1.0150% | 2,293 |
| Pretax return on assets | 1.0150% | 3,185 |
| Return on Equity (ROE) | 11.8666% | 1,445 |
| Retained earnings to average equity (ytd only) | 3.0136% | 4,081 |
| Net charge-offs to loans | 0.4512% | 3,176 |
| Credit loss provision to net charge-offs | 147.7477% | 1,929 |
| Earnings coverage of net charge-offs (x) | 5.3459% | 2,824 |
| Efficiency ratio | 70.3092% | 3,885 |
| Assets per employee ($millions) | 3.0003% | 6,082 |
| Cash dividends to net income (ytd only)* | 74.6045% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1185% | 5,746 |
| Loan loss allowance to noncurrent loans | 37.3047% | 5,755 |
| Noncurrent assets plus other real estate owned to assets | 1.9282% | 3,069 |
| Noncurrent loans to loans | 2.9984% | 2,168 |
| Net loans and leases to total assets | 48.6339% | 5,763 |
| Net loans and leases to deposits | 53.7118% | 6,098 |
| Net loans and leases to core deposits | 54.7050% | 6,250 |
| Total domestic deposits to total assets | 90.5459% | 694 |
| Equity capital to assets | 9.3491% | 5,092 |
| Core capital (leverage) ratio | 8.5617% | 5,459 |
| Tier 1 risk-based capital ratio | 15.1177% | 3,567 |
| Total risk-based capital ratio | 16.0799% | 3,717 |
| Memoranda: | ||
| Average total assets | $242,860,000 | 2,603 |
| Average earning assets | $225,122,400 | 2,555 |
| Average equity | $20,772,600 | 3,038 |
| Average total loans | $122,997,800 | 3,120 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6043% | 4,849 |
| Cost of funding earning assets | 0.6510% | 6,027 |
| Net interest margin | 3.9533% | 3,142 |
| Noninterest income to average assets | 0.4865% | 3,981 |
| Noninterest expense to average assets | 2.7037% | 4,710 |
| Loan and lease loss provision to assets | 0.2910% | 3,187 |
| Net operating income to assets | 1.1630% | 1,772 |
| Return on assets (ROA) | 1.3338% | 1,390 |
| Pretax return on assets | 1.3338% | 2,175 |
| Return on Equity (ROE) | 15.9650% | 691 |
| Retained earnings to average equity (ytd only) | 3.8779% | 3,963 |
| Net charge-offs to loans | 0.5221% | 2,665 |
| Credit loss provision to net charge-offs | 109.2784% | 3,023 |
| Earnings coverage of net charge-offs (x) | 5.4598% | 2,775 |
| Efficiency ratio | 65.0291% | 4,891 |
| Assets per employee ($millions) | 3.0857% | 5,931 |
| Cash dividends to net income (ytd only)* | 75.7101% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8974% | 6,603 |
| Loan loss allowance to noncurrent loans | 40.2088% | 5,606 |
| Noncurrent assets plus other real estate owned to assets | 1.5300% | 3,805 |
| Noncurrent loans to loans | 2.2320% | 3,073 |
| Net loans and leases to total assets | 49.9670% | 5,709 |
| Net loans and leases to deposits | 55.0954% | 6,115 |
| Net loans and leases to core deposits | 56.1620% | 6,302 |
| Total domestic deposits to total assets | 90.6918% | 556 |
| Equity capital to assets | 9.2041% | 5,505 |
| Core capital (leverage) ratio | 8.5143% | 5,690 |
| Tier 1 risk-based capital ratio | 14.7267% | 3,820 |
| Total risk-based capital ratio | 15.5111% | 4,117 |
| Memoranda: | ||
| Average total assets | $242,818,000 | 2,609 |
| Average earning assets | $225,494,250 | 2,561 |
| Average equity | $20,285,500 | 3,104 |
| Average total loans | $123,864,500 | 3,128 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6260% | 4,866 |
| Cost of funding earning assets | 0.6769% | 6,090 |
| Net interest margin | 3.9491% | 3,091 |
| Noninterest income to average assets | 0.5044% | 3,828 |
| Noninterest expense to average assets | 2.7018% | 4,819 |
| Loan and lease loss provision to assets | 0.1739% | 4,189 |
| Net operating income to assets | 1.2962% | 1,332 |
| Return on assets (ROA) | 1.3020% | 1,390 |
| Pretax return on assets | 1.3020% | 2,133 |
| Return on Equity (ROE) | 16.1449% | 654 |
| Retained earnings to average equity (ytd only) | 1.4584% | 5,259 |
| Net charge-offs to loans | 0.2976% | 3,383 |
| Credit loss provision to net charge-offs | 114.1304% | 2,683 |
| Earnings coverage of net charge-offs (x) | 9.6467% | 1,896 |
| Efficiency ratio | 64.7608% | 5,098 |
| Assets per employee ($millions) | 2.9917% | 6,108 |
| Cash dividends to net income (ytd only)* | 90.9669% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8926% | 6,677 |
| Loan loss allowance to noncurrent loans | 32.2846% | 6,129 |
| Noncurrent assets plus other real estate owned to assets | 1.5983% | 3,802 |
| Noncurrent loans to loans | 2.7647% | 2,635 |
| Net loans and leases to total assets | 49.6963% | 5,862 |
| Net loans and leases to deposits | 54.4935% | 6,272 |
| Net loans and leases to core deposits | 55.7731% | 6,429 |
| Total domestic deposits to total assets | 91.1968% | 431 |
| Equity capital to assets | 8.6548% | 5,999 |
| Core capital (leverage) ratio | 8.4988% | 5,556 |
| Tier 1 risk-based capital ratio | 14.3417% | 3,907 |
| Total risk-based capital ratio | 15.1090% | 4,232 |
| Memoranda: | ||
| Average total assets | $241,471,670 | 2,641 |
| Average earning assets | $224,252,670 | 2,589 |
| Average equity | $19,473,670 | 3,206 |
| Average total loans | $123,664,670 | 3,155 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6766% | 4,625 |
| Cost of funding earning assets | 0.6992% | 6,146 |
| Net interest margin | 3.9774% | 2,786 |
| Noninterest income to average assets | 0.4475% | 4,311 |
| Noninterest expense to average assets | 2.7702% | 4,563 |
| Loan and lease loss provision to assets | 0.1503% | 4,137 |
| Net operating income to assets | 1.2223% | 1,472 |
| Return on assets (ROA) | 1.2290% | 1,505 |
| Pretax return on assets | 1.2290% | 2,274 |
| Return on Equity (ROE) | 15.8326% | 697 |
| Retained earnings to average equity (ytd only) | -14.9291% | 7,043 |
| Net charge-offs to loans | 0.3710% | 2,582 |
| Credit loss provision to net charge-offs | 78.2609% | 3,191 |
| Earnings coverage of net charge-offs (x) | 7.1478% | 1,992 |
| Efficiency ratio | 66.8682% | 4,877 |
| Assets per employee ($millions) | 3.1142% | 5,916 |
| Cash dividends to net income (ytd only)* | 194.2935% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8416% | 6,837 |
| Loan loss allowance to noncurrent loans | 36.5351% | 5,863 |
| Noncurrent assets plus other real estate owned to assets | 1.5300% | 3,950 |
| Noncurrent loans to loans | 2.3035% | 3,188 |
| Net loans and leases to total assets | 51.3956% | 5,663 |
| Net loans and leases to deposits | 55.7135% | 6,158 |
| Net loans and leases to core deposits | 57.0352% | 6,340 |
| Total domestic deposits to total assets | 92.2497% | 225 |
| Equity capital to assets | 7.5973% | 6,816 |
| Core capital (leverage) ratio | 8.1975% | 5,971 |
| Tier 1 risk-based capital ratio | 13.6677% | 4,313 |
| Total risk-based capital ratio | 14.3939% | 4,697 |
| Memoranda: | ||
| Average total assets | $239,547,500 | 2,671 |
| Average earning assets | $222,555,500 | 2,629 |
| Average equity | $18,594,500 | 3,310 |
| Average total loans | $123,990,500 | 3,181 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6842% | 5,851 |
| Cost of funding earning assets | 1.0126% | 5,629 |
| Net interest margin | 3.6717% | 4,483 |
| Noninterest income to average assets | 0.4455% | 4,555 |
| Noninterest expense to average assets | 2.8912% | 4,266 |
| Loan and lease loss provision to assets | 0.1768% | 5,460 |
| Net operating income to assets | 0.7907% | 2,847 |
| Return on assets (ROA) | 1.1659% | 1,576 |
| Pretax return on assets | 1.1659% | 2,343 |
| Return on Equity (ROE) | 14.9329% | 727 |
| Retained earnings to average equity (ytd only) | 7.8634% | 1,025 |
| Net charge-offs to loans | 0.3891% | 4,092 |
| Credit loss provision to net charge-offs | 87.4486% | 5,229 |
| Earnings coverage of net charge-offs (x) | 4.7860% | 2,806 |
| Efficiency ratio | 74.9272% | 3,219 |
| Assets per employee ($millions) | 2.9543% | 6,202 |
| Cash dividends to net income (ytd only)* | 47.3421% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8667% | 6,805 |
| Loan loss allowance to noncurrent loans | 37.7465% | 5,795 |
| Noncurrent assets plus other real estate owned to assets | 1.6482% | 3,827 |
| Noncurrent loans to loans | 2.2961% | 3,226 |
| Net loans and leases to total assets | 51.2407% | 6,019 |
| Net loans and leases to deposits | 55.7423% | 6,464 |
| Net loans and leases to core deposits | 57.0691% | 6,631 |
| Total domestic deposits to total assets | 91.9243% | 299 |
| Equity capital to assets | 7.9278% | 6,552 |
| Core capital (leverage) ratio | 8.3527% | 5,605 |
| Tier 1 risk-based capital ratio | 14.2653% | 3,703 |
| Total risk-based capital ratio | 15.0156% | 3,991 |
| Memoranda: | ||
| Average total assets | $240,420,400 | 2,630 |
| Average earning assets | $223,494,400 | 2,590 |
| Average equity | $18,770,600 | 3,306 |
| Average total loans | $124,892,400 | 3,216 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6734% | 6,111 |
| Cost of funding earning assets | 1.0876% | 5,502 |
| Net interest margin | 3.5858% | 4,943 |
| Noninterest income to average assets | 0.5146% | 4,066 |
| Noninterest expense to average assets | 2.7813% | 4,563 |
| Loan and lease loss provision to assets | 0.1850% | 5,190 |
| Net operating income to assets | 0.8813% | 2,693 |
| Return on assets (ROA) | 1.1583% | 1,807 |
| Pretax return on assets | 1.1583% | 2,644 |
| Return on Equity (ROE) | 14.8924% | 882 |
| Retained earnings to average equity (ytd only) | 5.4413% | 2,682 |
| Net charge-offs to loans | 0.3674% | 3,840 |
| Credit loss provision to net charge-offs | 96.8116% | 4,474 |
| Earnings coverage of net charge-offs (x) | 5.5797% | 2,717 |
| Efficiency ratio | 72.2862% | 3,645 |
| Assets per employee ($millions) | 3.0626% | 6,003 |
| Cash dividends to net income (ytd only)* | 63.4625% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9079% | 6,719 |
| Loan loss allowance to noncurrent loans | 44.0472% | 5,337 |
| Noncurrent assets plus other real estate owned to assets | 1.6371% | 3,984 |
| Noncurrent loans to loans | 2.0612% | 3,605 |
| Net loans and leases to total assets | 49.9369% | 6,330 |
| Net loans and leases to deposits | 54.5628% | 6,724 |
| Net loans and leases to core deposits | 55.8990% | 6,865 |
| Total domestic deposits to total assets | 91.5219% | 298 |
| Equity capital to assets | 8.1858% | 6,623 |
| Core capital (leverage) ratio | 7.9861% | 6,363 |
| Tier 1 risk-based capital ratio | 13.9077% | 3,909 |
| Total risk-based capital ratio | 14.7077% | 4,182 |
| Memoranda: | ||
| Average total assets | $240,701,000 | 2,669 |
| Average earning assets | $223,730,250 | 2,621 |
| Average equity | $18,720,500 | 3,353 |
| Average total loans | $125,193,000 | 3,259 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6760% | 6,228 |
| Cost of funding earning assets | 1.1533% | 5,384 |
| Net interest margin | 3.5227% | 5,146 |
| Noninterest income to average assets | 0.5433% | 3,762 |
| Noninterest expense to average assets | 2.9850% | 3,759 |
| Loan and lease loss provision to assets | 0.0836% | 6,093 |
| Net operating income to assets | 0.7481% | 3,204 |
| Return on assets (ROA) | 0.9613% | 2,414 |
| Pretax return on assets | 0.9613% | 3,273 |
| Return on Equity (ROE) | 12.5853% | 1,332 |
| Retained earnings to average equity (ytd only) | -1.9370% | 6,136 |
| Net charge-offs to loans | 0.3292% | 3,678 |
| Credit loss provision to net charge-offs | 48.3092% | 5,456 |
| Earnings coverage of net charge-offs (x) | 4.8068% | 2,836 |
| Efficiency ratio | 78.2085% | 2,695 |
| Assets per employee ($millions) | 2.9541% | 6,235 |
| Cash dividends to net income (ytd only)* | 115.3913% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8289% | 6,967 |
| Loan loss allowance to noncurrent loans | 27.8653% | 6,500 |
| Noncurrent assets plus other real estate owned to assets | 1.9511% | 3,549 |
| Noncurrent loans to loans | 2.9745% | 2,697 |
| Net loans and leases to total assets | 50.0665% | 6,426 |
| Net loans and leases to deposits | 54.4077% | 6,836 |
| Net loans and leases to core deposits | 55.6070% | 6,963 |
| Total domestic deposits to total assets | 92.0209% | 216 |
| Equity capital to assets | 7.6887% | 7,001 |
| Core capital (leverage) ratio | 7.6637% | 6,656 |
| Tier 1 risk-based capital ratio | 13.2150% | 4,276 |
| Total risk-based capital ratio | 13.9498% | 4,660 |
| Memoranda: | ||
| Average total assets | $239,265,000 | 2,712 |
| Average earning assets | $222,327,670 | 2,659 |
| Average equity | $18,275,330 | 3,418 |
| Average total loans | $125,767,000 | 3,285 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7327% | 6,136 |
| Cost of funding earning assets | 1.2010% | 5,402 |
| Net interest margin | 3.5318% | 5,027 |
| Noninterest income to average assets | 0.5451% | 3,685 |
| Noninterest expense to average assets | 2.6898% | 4,956 |
| Loan and lease loss provision to assets | 0.0677% | 5,956 |
| Net operating income to assets | 1.0630% | 1,952 |
| Return on assets (ROA) | 1.3305% | 1,298 |
| Pretax return on assets | 1.3305% | 1,965 |
| Return on Equity (ROE) | 17.4793% | 561 |
| Retained earnings to average equity (ytd only) | -10.5187% | 6,993 |
| Net charge-offs to loans | 0.1199% | 4,257 |
| Credit loss provision to net charge-offs | 105.2632% | 3,255 |
| Earnings coverage of net charge-offs (x) | 17.5789% | 1,276 |
| Efficiency ratio | 70.4032% | 4,228 |
| Assets per employee ($millions) | 2.8721% | 6,494 |
| Cash dividends to net income (ytd only)* | 160.1781% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8969% | 6,848 |
| Loan loss allowance to noncurrent loans | 35.7143% | 5,993 |
| Noncurrent assets plus other real estate owned to assets | 1.6066% | 4,081 |
| Noncurrent loans to loans | 2.5114% | 3,164 |
| Net loans and leases to total assets | 52.6071% | 6,206 |
| Net loans and leases to deposits | 56.9741% | 6,702 |
| Net loans and leases to core deposits | 58.1925% | 6,866 |
| Total domestic deposits to total assets | 92.3352% | 186 |
| Equity capital to assets | 7.4635% | 7,102 |
| Core capital (leverage) ratio | 7.6580% | 6,670 |
| Tier 1 risk-based capital ratio | 12.7629% | 4,511 |
| Total risk-based capital ratio | 13.5607% | 4,853 |
| Memoranda: | ||
| Average total assets | $236,302,500 | 2,802 |
| Average earning assets | $219,154,000 | 2,747 |
| Average equity | $17,987,000 | 3,484 |
| Average total loans | $126,758,500 | 3,332 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0434% | 6,297 |
| Cost of funding earning assets | 1.5063% | 5,486 |
| Net interest margin | 3.5372% | 4,791 |
| Noninterest income to average assets | 0.5519% | 4,005 |
| Noninterest expense to average assets | 3.1137% | 3,680 |
| Loan and lease loss provision to assets | 0.2852% | 5,144 |
| Net operating income to assets | 0.3963% | 4,147 |
| Return on assets (ROA) | 0.6743% | 3,088 |
| Pretax return on assets | 0.6729% | 3,672 |
| Return on Equity (ROE) | 8.1527% | 2,308 |
| Retained earnings to average equity (ytd only) | 1.2835% | 4,147 |
| Net charge-offs to loans | 0.2541% | 5,030 |
| Credit loss provision to net charge-offs | 206.5147% | 1,859 |
| Earnings coverage of net charge-offs (x) | 4.9251% | 2,750 |
| Efficiency ratio | 82.0726% | 2,590 |
| Assets per employee ($millions) | 2.9277% | 6,394 |
| Cash dividends to net income (ytd only)* | 84.2562% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8923% | 6,848 |
| Loan loss allowance to noncurrent loans | 33.4712% | 6,211 |
| Noncurrent assets plus other real estate owned to assets | 1.8342% | 3,620 |
| Noncurrent loans to loans | 2.6659% | 2,881 |
| Net loans and leases to total assets | 53.7280% | 6,221 |
| Net loans and leases to deposits | 58.4031% | 6,756 |
| Net loans and leases to core deposits | 64.9018% | 7,037 |
| Total domestic deposits to total assets | 91.9950% | 270 |
| Equity capital to assets | 7.7629% | 6,804 |
| Core capital (leverage) ratio | 7.9025% | 6,322 |
| Tier 1 risk-based capital ratio | 13.1288% | 4,061 |
| Total risk-based capital ratio | 13.9273% | 4,316 |
| Memoranda: | ||
| Average total assets | $222,310,200 | 2,910 |
| Average earning assets | $203,749,800 | 2,923 |
| Average equity | $18,386,600 | 3,446 |
| Average total loans | $120,796,200 | 3,466 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0936% | 6,293 |
| Cost of funding earning assets | 1.5751% | 5,514 |
| Net interest margin | 3.5185% | 4,791 |
| Noninterest income to average assets | 0.5702% | 3,923 |
| Noninterest expense to average assets | 2.6808% | 5,407 |
| Loan and lease loss provision to assets | 0.2486% | 4,965 |
| Net operating income to assets | 0.8596% | 2,578 |
| Return on assets (ROA) | 1.1544% | 1,634 |
| Pretax return on assets | 1.1526% | 2,405 |
| Return on Equity (ROE) | 13.7324% | 973 |
| Retained earnings to average equity (ytd only) | 4.5992% | 2,703 |
| Net charge-offs to loans | 0.0101% | 6,798 |
| Credit loss provision to net charge-offs | 4,544.4444% | 88 |
| Earnings coverage of net charge-offs (x) | 202.2175% | 191 |
| Efficiency ratio | 70.7865% | 4,457 |
| Assets per employee ($millions) | 2.9144% | 6,368 |
| Cash dividends to net income (ytd only)* | 66.5087% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9818% | 6,392 |
| Loan loss allowance to noncurrent loans | 27.6503% | 6,613 |
| Noncurrent assets plus other real estate owned to assets | 2.1100% | 3,199 |
| Noncurrent loans to loans | 3.5508% | 2,106 |
| Net loans and leases to total assets | 52.7830% | 6,526 |
| Net loans and leases to deposits | 58.0763% | 6,957 |
| Net loans and leases to core deposits | 64.3818% | 7,233 |
| Total domestic deposits to total assets | 90.8856% | 452 |
| Equity capital to assets | 8.3383% | 6,458 |
| Core capital (leverage) ratio | 8.2977% | 5,840 |
| Tier 1 risk-based capital ratio | 14.1472% | 3,470 |
| Total risk-based capital ratio | 15.0430% | 3,615 |
| Memoranda: | ||
| Average total assets | $219,333,500 | 2,967 |
| Average earning assets | $200,535,250 | 2,979 |
| Average equity | $18,437,750 | 3,462 |
| Average total loans | $119,252,000 | 3,528 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1186% | 6,357 |
| Cost of funding earning assets | 1.6238% | 5,644 |
| Net interest margin | 3.4948% | 4,820 |
| Noninterest income to average assets | 0.6129% | 3,581 |
| Noninterest expense to average assets | 2.7594% | 5,134 |
| Loan and lease loss provision to assets | 0.3792% | 3,654 |
| Net operating income to assets | 0.6759% | 3,360 |
| Return on assets (ROA) | 1.0941% | 1,866 |
| Pretax return on assets | 1.0913% | 2,669 |
| Return on Equity (ROE) | 12.9782% | 1,184 |
| Retained earnings to average equity (ytd only) | -0.9239% | 5,461 |
| Net charge-offs to loans | -0.0017% | 7,475 |
| Credit loss provision to net charge-offs | -40,900.0000% | 7,301 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3911% | 4,330 |
| Assets per employee ($millions) | 2.9249% | 6,324 |
| Cash dividends to net income (ytd only)* | 107.1186% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0263% | 6,039 |
| Loan loss allowance to noncurrent loans | 27.2829% | 6,676 |
| Noncurrent assets plus other real estate owned to assets | 2.2010% | 2,936 |
| Noncurrent loans to loans | 3.7618% | 1,834 |
| Net loans and leases to total assets | 52.0682% | 6,680 |
| Net loans and leases to deposits | 56.7726% | 7,105 |
| Net loans and leases to core deposits | 62.9295% | 7,337 |
| Total domestic deposits to total assets | 91.7137% | 268 |
| Equity capital to assets | 7.9808% | 6,777 |
| Core capital (leverage) ratio | 8.4199% | 5,581 |
| Tier 1 risk-based capital ratio | 14.1027% | 3,456 |
| Total risk-based capital ratio | 15.0393% | 3,571 |
| Memoranda: | ||
| Average total assets | $215,698,330 | 3,030 |
| Average earning assets | $197,438,670 | 3,034 |
| Average equity | $18,184,330 | 3,526 |
| Average total loans | $118,092,000 | 3,577 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3566% | 5,631 |
| Cost of funding earning assets | 1.6798% | 5,699 |
| Net interest margin | 3.6768% | 3,990 |
| Noninterest income to average assets | 0.6523% | 3,182 |
| Noninterest expense to average assets | 2.7231% | 4,905 |
| Loan and lease loss provision to assets | 0.7756% | 1,656 |
| Net operating income to assets | 0.4949% | 4,443 |
| Return on assets (ROA) | 1.1340% | 1,974 |
| Pretax return on assets | 1.1340% | 2,859 |
| Return on Equity (ROE) | 13.0785% | 1,368 |
| Retained earnings to average equity (ytd only) | -14.5657% | 7,413 |
| Net charge-offs to loans | 0.0034% | 5,680 |
| Credit loss provision to net charge-offs | 40,900.0000% | 11 |
| Earnings coverage of net charge-offs (x) | 670.0000% | 28 |
| Efficiency ratio | 68.1861% | 4,928 |
| Assets per employee ($millions) | 2.7613% | 6,737 |
| Cash dividends to net income (ytd only)* | 211.3712% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0336% | 5,908 |
| Loan loss allowance to noncurrent loans | 28.7577% | 6,635 |
| Noncurrent assets plus other real estate owned to assets | 1.9895% | 2,921 |
| Noncurrent loans to loans | 3.5943% | 1,753 |
| Net loans and leases to total assets | 54.6235% | 6,398 |
| Net loans and leases to deposits | 59.8246% | 6,910 |
| Net loans and leases to core deposits | 67.2552% | 7,177 |
| Total domestic deposits to total assets | 91.3061% | 323 |
| Equity capital to assets | 8.3910% | 6,247 |
| Core capital (leverage) ratio | 8.5055% | 5,523 |
| Tier 1 risk-based capital ratio | 14.1113% | 3,519 |
| Total risk-based capital ratio | 15.0768% | 3,607 |
| Memoranda: | ||
| Average total assets | $210,939,500 | 3,104 |
| Average earning assets | $191,689,000 | 3,132 |
| Average equity | $18,289,500 | 3,520 |
| Average total loans | $117,897,000 | 3,606 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7871% | 6,478 |
| Cost of funding earning assets | 2.2237% | 5,485 |
| Net interest margin | 3.5634% | 5,047 |
| Noninterest income to average assets | 0.5609% | 4,151 |
| Noninterest expense to average assets | 2.7190% | 5,177 |
| Loan and lease loss provision to assets | 0.2742% | 4,203 |
| Net operating income to assets | 0.6754% | 4,003 |
| Return on assets (ROA) | 0.7223% | 3,622 |
| Pretax return on assets | 0.9029% | 3,712 |
| Return on Equity (ROE) | 8.1876% | 2,987 |
| Retained earnings to average equity (ytd only) | -1.2081% | 5,662 |
| Net charge-offs to loans | 0.4309% | 2,669 |
| Credit loss provision to net charge-offs | 111.8577% | 4,822 |
| Earnings coverage of net charge-offs (x) | 4.5632% | 3,932 |
| Efficiency ratio | 70.8533% | 4,165 |
| Assets per employee ($millions) | 2.6828% | 6,818 |
| Cash dividends to net income (ytd only)* | 114.7552% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6797% | 7,480 |
| Loan loss allowance to noncurrent loans | 30.6900% | 6,675 |
| Noncurrent assets plus other real estate owned to assets | 1.2592% | 3,706 |
| Noncurrent loans to loans | 2.2146% | 2,489 |
| Net loans and leases to total assets | 56.2153% | 6,409 |
| Net loans and leases to deposits | 61.9882% | 6,947 |
| Net loans and leases to core deposits | 69.3259% | 7,227 |
| Total domestic deposits to total assets | 90.6871% | 430 |
| Equity capital to assets | 8.9545% | 5,428 |
| Core capital (leverage) ratio | 8.9635% | 4,795 |
| Tier 1 risk-based capital ratio | 14.6917% | 3,205 |
| Total risk-based capital ratio | 15.3347% | 3,423 |
| Memoranda: | ||
| Average total assets | $206,438,000 | 3,047 |
| Average earning assets | $189,820,200 | 3,043 |
| Average equity | $18,210,400 | 3,522 |
| Average total loans | $117,435,200 | 3,517 |