Home > The Campbell & Fetter Bank > Performance and Condition Ratios
The Campbell & Fetter Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1201% | 4,212 |
| Cost of funding earning assets | 1.3075% | 3,582 |
| Net interest margin | 2.8126% | 3,683 |
| Noninterest income to average assets | 0.1900% | 3,621 |
| Noninterest expense to average assets | 1.9197% | 3,702 |
| Loan and lease loss provision to assets | 0.1200% | 1,082 |
| Net operating income to assets | 0.6119% | 3,321 |
| Return on assets (ROA) | 0.6119% | 3,338 |
| Pretax return on assets | 0.8007% | 3,191 |
| Return on Equity (ROE) | 6.4500% | 3,251 |
| Retained earnings to average equity (ytd only) | 3.2566% | 3,027 |
| Net charge-offs to loans | -0.0055% | 3,757 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 67.5000% | 2,092 |
| Assets per employee ($millions) | 5.5679% | 3,266 |
| Cash dividends to net income (ytd only)* | 49.5238% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7901% | 3,885 |
| Loan loss allowance to noncurrent loans | 34,760.0000% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 3,792 |
| Noncurrent loans to loans | 0.0023% | 3,759 |
| Net loans and leases to total assets | 63.2200% | 2,584 |
| Net loans and leases to deposits | 86.4457% | 1,452 |
| Net loans and leases to core deposits | 88.2374% | 2,166 |
| Total domestic deposits to total assets | 73.1300% | 4,116 |
| Equity capital to assets | 9.7888% | 2,358 |
| Core capital (leverage) ratio | 10.1068% | 2,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3347% | 446 |
| Memoranda: | ||
| Average total assets | $343,184,500 | 2,286 |
| Average earning assets | $323,973,000 | 2,259 |
| Average equity | $32,549,000 | 2,325 |
| Average total loans | $218,535,000 | 2,294 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8358% | 4,342 |
| Cost of funding earning assets | 1.3357% | 3,624 |
| Net interest margin | 2.5001% | 3,905 |
| Noninterest income to average assets | 0.2000% | 3,704 |
| Noninterest expense to average assets | 2.1209% | 3,326 |
| Loan and lease loss provision to assets | 0.0400% | 2,355 |
| Net operating income to assets | 0.3175% | 3,821 |
| Return on assets (ROA) | 0.3175% | 3,845 |
| Pretax return on assets | 0.4100% | 3,781 |
| Return on Equity (ROE) | 3.5600% | 3,771 |
| Retained earnings to average equity (ytd only) | 0.1445% | 3,869 |
| Net charge-offs to loans | 0.0460% | 1,702 |
| Credit loss provision to net charge-offs | 113.8298% | 1,728 |
| Earnings coverage of net charge-offs (x) | 16.2021% | 1,991 |
| Efficiency ratio | 82.6340% | 872 |
| Assets per employee ($millions) | 5.5026% | 3,292 |
| Cash dividends to net income (ytd only)* | 95.9447% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7503% | 3,982 |
| Loan loss allowance to noncurrent loans | 12,530.7692% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 3,761 |
| Noncurrent loans to loans | 0.0060% | 3,728 |
| Net loans and leases to total assets | 63.1600% | 2,651 |
| Net loans and leases to deposits | 87.8687% | 1,409 |
| Net loans and leases to core deposits | 89.5377% | 2,139 |
| Total domestic deposits to total assets | 71.8800% | 4,153 |
| Equity capital to assets | 9.1764% | 2,690 |
| Core capital (leverage) ratio | 10.1121% | 2,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6890% | 426 |
| Memoranda: | ||
| Average total assets | $341,693,000 | 2,268 |
| Average earning assets | $323,792,800 | 2,236 |
| Average equity | $30,452,800 | 2,360 |
| Average total loans | $204,289,000 | 2,338 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7642% | 4,382 |
| Cost of funding earning assets | 1.3250% | 3,633 |
| Net interest margin | 2.4392% | 3,963 |
| Noninterest income to average assets | 0.2000% | 3,691 |
| Noninterest expense to average assets | 2.0996% | 3,332 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | 0.2980% | 3,868 |
| Return on assets (ROA) | 0.2980% | 3,895 |
| Pretax return on assets | 0.3826% | 3,837 |
| Return on Equity (ROE) | 3.3700% | 3,829 |
| Retained earnings to average equity (ytd only) | -0.0750% | 4,032 |
| Net charge-offs to loans | 0.0053% | 2,491 |
| Credit loss provision to net charge-offs | 750.0000% | 484 |
| Earnings coverage of net charge-offs (x) | 132.0000% | 672 |
| Efficiency ratio | 83.5999% | 842 |
| Assets per employee ($millions) | 5.3647% | 3,390 |
| Cash dividends to net income (ytd only)* | 102.2251% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7970% | 3,913 |
| Loan loss allowance to noncurrent loans | 744.6429% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.0663% | 3,255 |
| Noncurrent loans to loans | 0.1070% | 3,145 |
| Net loans and leases to total assets | 61.4300% | 2,798 |
| Net loans and leases to deposits | 84.1923% | 1,806 |
| Net loans and leases to core deposits | 85.5745% | 2,447 |
| Total domestic deposits to total assets | 72.9600% | 4,125 |
| Equity capital to assets | 9.3430% | 2,788 |
| Core capital (leverage) ratio | 10.0690% | 2,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0753% | 420 |
| Memoranda: | ||
| Average total assets | $341,826,500 | 2,261 |
| Average earning assets | $324,026,750 | 2,234 |
| Average equity | $30,239,500 | 2,372 |
| Average total loans | $201,085,000 | 2,348 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6666% | 4,415 |
| Cost of funding earning assets | 1.2626% | 3,687 |
| Net interest margin | 2.4040% | 3,987 |
| Noninterest income to average assets | 0.1900% | 3,743 |
| Noninterest expense to average assets | 2.0856% | 3,361 |
| Loan and lease loss provision to assets | 0.0300% | 2,286 |
| Net operating income to assets | 0.2815% | 3,877 |
| Return on assets (ROA) | 0.2815% | 3,912 |
| Pretax return on assets | 0.3602% | 3,863 |
| Return on Equity (ROE) | 3.2400% | 3,848 |
| Retained earnings to average equity (ytd only) | -0.2551% | 3,957 |
| Net charge-offs to loans | 0.0060% | 2,203 |
| Credit loss provision to net charge-offs | 500.0000% | 627 |
| Earnings coverage of net charge-offs (x) | 110.5000% | 727 |
| Efficiency ratio | 84.3669% | 836 |
| Assets per employee ($millions) | 5.4608% | 3,260 |
| Cash dividends to net income (ytd only)* | 107.8675% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8089% | 3,914 |
| Loan loss allowance to noncurrent loans | 1,123.2877% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.0431% | 3,381 |
| Noncurrent loans to loans | 0.0720% | 3,303 |
| Net loans and leases to total assets | 59.4000% | 3,008 |
| Net loans and leases to deposits | 80.2906% | 2,188 |
| Net loans and leases to core deposits | 81.3145% | 2,724 |
| Total domestic deposits to total assets | 73.9800% | 4,069 |
| Equity capital to assets | 8.8687% | 2,828 |
| Core capital (leverage) ratio | 10.0942% | 2,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5716% | 393 |
| Memoranda: | ||
| Average total assets | $343,110,333 | 2,243 |
| Average earning assets | $325,372,667 | 2,213 |
| Average equity | $29,793,667 | 2,363 |
| Average total loans | $198,352,667 | 2,363 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5833% | 4,449 |
| Cost of funding earning assets | 1.2266% | 3,678 |
| Net interest margin | 2.3567% | 4,057 |
| Noninterest income to average assets | 0.1800% | 3,777 |
| Noninterest expense to average assets | 2.0198% | 3,531 |
| Loan and lease loss provision to assets | 0.0200% | 2,205 |
| Net operating income to assets | 0.3000% | 3,823 |
| Return on assets (ROA) | 0.3000% | 3,853 |
| Pretax return on assets | 0.3833% | 3,790 |
| Return on Equity (ROE) | 3.4900% | 3,766 |
| Retained earnings to average equity (ytd only) | -0.0135% | 3,728 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 83.4450% | 951 |
| Assets per employee ($millions) | 5.1840% | 3,519 |
| Cash dividends to net income (ytd only)* | 100.3861% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8281% | 3,888 |
| Loan loss allowance to noncurrent loans | 1,326.0163% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.0359% | 3,451 |
| Noncurrent loans to loans | 0.0625% | 3,316 |
| Net loans and leases to total assets | 57.0900% | 3,115 |
| Net loans and leases to deposits | 75.3834% | 2,483 |
| Net loans and leases to core deposits | 76.8777% | 2,926 |
| Total domestic deposits to total assets | 75.7300% | 4,004 |
| Equity capital to assets | 8.6632% | 2,915 |
| Core capital (leverage) ratio | 9.8988% | 2,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2428% | 371 |
| Memoranda: | ||
| Average total assets | $345,380,000 | 2,232 |
| Average earning assets | $327,742,500 | 2,203 |
| Average equity | $29,677,000 | 2,371 |
| Average total loans | $196,153,000 | 2,379 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2335% | 4,472 |
| Cost of funding earning assets | 0.8995% | 3,523 |
| Net interest margin | 2.3340% | 4,233 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 2.0822% | 3,448 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.2606% | 4,082 |
| Return on assets (ROA) | 0.2606% | 4,088 |
| Pretax return on assets | 0.3354% | 4,053 |
| Return on Equity (ROE) | 3.2500% | 3,983 |
| Retained earnings to average equity (ytd only) | -0.4714% | 4,138 |
| Net charge-offs to loans | -0.0038% | 3,781 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 86.1259% | 552 |
| Assets per employee ($millions) | 5.5335% | 3,219 |
| Cash dividends to net income (ytd only)* | 114.5215% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8272% | 3,899 |
| Loan loss allowance to noncurrent loans | 855.0265% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.0542% | 3,229 |
| Noncurrent loans to loans | 0.0967% | 3,056 |
| Net loans and leases to total assets | 55.5700% | 3,230 |
| Net loans and leases to deposits | 72.7522% | 2,712 |
| Net loans and leases to core deposits | 74.1517% | 3,069 |
| Total domestic deposits to total assets | 76.3900% | 3,905 |
| Equity capital to assets | 8.5232% | 3,036 |
| Core capital (leverage) ratio | 9.9034% | 2,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9950% | 375 |
| Memoranda: | ||
| Average total assets | $348,816,600 | 2,200 |
| Average earning assets | $331,193,000 | 2,171 |
| Average equity | $28,003,600 | 2,361 |
| Average total loans | $183,297,800 | 2,416 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1700% | 4,496 |
| Cost of funding earning assets | 0.8358% | 3,437 |
| Net interest margin | 2.3343% | 4,281 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 2.0634% | 3,440 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.2767% | 4,144 |
| Return on assets (ROA) | 0.2767% | 4,146 |
| Pretax return on assets | 0.3562% | 4,108 |
| Return on Equity (ROE) | 3.5000% | 4,047 |
| Retained earnings to average equity (ytd only) | -0.2756% | 4,179 |
| Net charge-offs to loans | -0.0044% | 3,712 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 85.2788% | 546 |
| Assets per employee ($millions) | 5.3251% | 3,328 |
| Cash dividends to net income (ytd only)* | 107.8729% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8553% | 3,860 |
| Loan loss allowance to noncurrent loans | 1,315.8333% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.0352% | 3,450 |
| Noncurrent loans to loans | 0.0650% | 3,288 |
| Net loans and leases to total assets | 53.7100% | 3,382 |
| Net loans and leases to deposits | 68.9139% | 2,918 |
| Net loans and leases to core deposits | 70.3146% | 3,194 |
| Total domestic deposits to total assets | 77.9300% | 3,825 |
| Equity capital to assets | 8.2009% | 2,921 |
| Core capital (leverage) ratio | 9.9386% | 2,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1036% | 349 |
| Memoranda: | ||
| Average total assets | $348,867,500 | 2,206 |
| Average earning assets | $331,343,500 | 2,178 |
| Average equity | $27,576,250 | 2,374 |
| Average total loans | $180,283,500 | 2,448 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1035% | 4,528 |
| Cost of funding earning assets | 0.7688% | 3,304 |
| Net interest margin | 2.3346% | 4,343 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 2.0253% | 3,534 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.3055% | 4,147 |
| Return on assets (ROA) | 0.3055% | 4,174 |
| Pretax return on assets | 0.3925% | 4,128 |
| Return on Equity (ROE) | 3.9100% | 4,034 |
| Retained earnings to average equity (ytd only) | 0.1166% | 4,049 |
| Net charge-offs to loans | -0.0056% | 3,741 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 83.7647% | 609 |
| Assets per employee ($millions) | 5.2261% | 3,386 |
| Cash dividends to net income (ytd only)* | 97.0205% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8782% | 3,843 |
| Loan loss allowance to noncurrent loans | 10,520.0000% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 3,837 |
| Noncurrent loans to loans | 0.0083% | 3,735 |
| Net loans and leases to total assets | 52.4300% | 3,376 |
| Net loans and leases to deposits | 65.8651% | 3,066 |
| Net loans and leases to core deposits | 67.1031% | 3,285 |
| Total domestic deposits to total assets | 79.6000% | 3,628 |
| Equity capital to assets | 8.1970% | 3,087 |
| Core capital (leverage) ratio | 9.8144% | 2,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5676% | 330 |
| Memoranda: | ||
| Average total assets | $351,555,333 | 2,200 |
| Average earning assets | $334,270,333 | 2,167 |
| Average equity | $27,452,000 | 2,391 |
| Average total loans | $178,839,667 | 2,454 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0320% | 4,556 |
| Cost of funding earning assets | 0.7201% | 2,987 |
| Net interest margin | 2.3119% | 4,443 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 1.9358% | 3,779 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3547% | 4,163 |
| Return on assets (ROA) | 0.3547% | 4,118 |
| Pretax return on assets | 0.4576% | 4,047 |
| Return on Equity (ROE) | 4.6500% | 3,936 |
| Retained earnings to average equity (ytd only) | 0.8365% | 3,891 |
| Net charge-offs to loans | -0.0112% | 3,885 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 80.8789% | 773 |
| Assets per employee ($millions) | 5.4760% | 3,241 |
| Cash dividends to net income (ytd only)* | 82.0189% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8896% | 3,883 |
| Loan loss allowance to noncurrent loans | 1,610.2041% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.0275% | 3,509 |
| Noncurrent loans to loans | 0.0552% | 3,345 |
| Net loans and leases to total assets | 49.3900% | 3,536 |
| Net loans and leases to deposits | 62.2868% | 3,210 |
| Net loans and leases to core deposits | 63.4516% | 3,371 |
| Total domestic deposits to total assets | 79.3000% | 3,868 |
| Equity capital to assets | 7.9885% | 3,250 |
| Core capital (leverage) ratio | 9.5133% | 3,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.0570% | 311 |
| Memoranda: | ||
| Average total assets | $357,483,500 | 2,205 |
| Average earning assets | $340,506,500 | 2,173 |
| Average equity | $27,255,500 | 2,425 |
| Average total loans | $178,416,000 | 2,472 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6034% | 4,460 |
| Cost of funding earning assets | 0.2924% | 2,944 |
| Net interest margin | 2.3109% | 4,421 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 1.8367% | 3,956 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4458% | 4,178 |
| Return on assets (ROA) | 0.4458% | 4,139 |
| Pretax return on assets | 0.5785% | 4,068 |
| Return on Equity (ROE) | 6.0200% | 3,821 |
| Retained earnings to average equity (ytd only) | 2.1980% | 3,936 |
| Net charge-offs to loans | -0.0006% | 3,314 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 76.0468% | 1,004 |
| Assets per employee ($millions) | 5.2798% | 3,443 |
| Cash dividends to net income (ytd only)* | 63.4756% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9133% | 3,716 |
| Loan loss allowance to noncurrent loans | 10,243.7500% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 3,882 |
| Noncurrent loans to loans | 0.0089% | 3,791 |
| Net loans and leases to total assets | 49.5300% | 3,540 |
| Net loans and leases to deposits | 62.4247% | 3,162 |
| Net loans and leases to core deposits | 63.4034% | 3,300 |
| Total domestic deposits to total assets | 79.3400% | 3,959 |
| Equity capital to assets | 7.2632% | 3,511 |
| Core capital (leverage) ratio | 9.2773% | 3,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8052% | 309 |
| Memoranda: | ||
| Average total assets | $367,838,800 | 2,151 |
| Average earning assets | $352,237,000 | 2,100 |
| Average equity | $27,252,200 | 2,465 |
| Average total loans | $177,938,200 | 2,395 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5004% | 4,440 |
| Cost of funding earning assets | 0.1940% | 3,348 |
| Net interest margin | 2.3064% | 4,398 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 1.7897% | 4,002 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4825% | 4,111 |
| Return on assets (ROA) | 0.4825% | 4,059 |
| Pretax return on assets | 0.6259% | 3,941 |
| Return on Equity (ROE) | 6.4800% | 3,690 |
| Retained earnings to average equity (ytd only) | 2.7009% | 3,860 |
| Net charge-offs to loans | -0.0023% | 3,287 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.0901% | 1,267 |
| Assets per employee ($millions) | 5.5267% | 3,187 |
| Cash dividends to net income (ytd only)* | 58.3271% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9150% | 3,810 |
| Loan loss allowance to noncurrent loans | 5,860.7143% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 3,924 |
| Noncurrent loans to loans | 0.0156% | 3,815 |
| Net loans and leases to total assets | 48.7200% | 3,553 |
| Net loans and leases to deposits | 59.9029% | 3,208 |
| Net loans and leases to core deposits | 60.8029% | 3,323 |
| Total domestic deposits to total assets | 81.3300% | 3,930 |
| Equity capital to assets | 7.0370% | 3,496 |
| Core capital (leverage) ratio | 9.1896% | 3,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6113% | 326 |
| Memoranda: | ||
| Average total assets | $370,041,250 | 2,152 |
| Average earning assets | $354,712,250 | 2,104 |
| Average equity | $27,546,000 | 2,487 |
| Average total loans | $177,560,250 | 2,395 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4054% | 4,455 |
| Cost of funding earning assets | 0.1266% | 3,886 |
| Net interest margin | 2.2788% | 4,350 |
| Noninterest income to average assets | 0.2017% | 3,988 |
| Noninterest expense to average assets | 1.7520% | 4,050 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4884% | 3,925 |
| Return on assets (ROA) | 0.4884% | 3,871 |
| Pretax return on assets | 0.6374% | 3,736 |
| Return on Equity (ROE) | 6.4461% | 3,460 |
| Retained earnings to average equity (ytd only) | 2.7474% | 3,531 |
| Net charge-offs to loans | -0.0023% | 3,154 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3228% | 1,585 |
| Assets per employee ($millions) | 5.6759% | 3,052 |
| Cash dividends to net income (ytd only)* | 57.3789% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9122% | 3,921 |
| Loan loss allowance to noncurrent loans | 3,904.7619% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.0114% | 3,916 |
| Noncurrent loans to loans | 0.0234% | 3,787 |
| Net loans and leases to total assets | 48.2878% | 3,527 |
| Net loans and leases to deposits | 60.0562% | 3,046 |
| Net loans and leases to core deposits | 60.9010% | 3,199 |
| Total domestic deposits to total assets | 80.4044% | 4,192 |
| Equity capital to assets | 7.3788% | 3,545 |
| Core capital (leverage) ratio | 9.2468% | 3,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2513% | 313 |
| Memoranda: | ||
| Average total assets | $371,801,667 | 2,153 |
| Average earning assets | $356,945,667 | 2,117 |
| Average equity | $28,172,000 | 2,514 |
| Average total loans | $176,966,000 | 2,399 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3961% | 4,380 |
| Cost of funding earning assets | 0.1090% | 4,035 |
| Net interest margin | 2.2871% | 4,253 |
| Noninterest income to average assets | 0.1972% | 3,979 |
| Noninterest expense to average assets | 1.7244% | 4,098 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5326% | 3,618 |
| Return on assets (ROA) | 0.5326% | 3,588 |
| Pretax return on assets | 0.6762% | 3,455 |
| Return on Equity (ROE) | 6.9398% | 3,053 |
| Retained earnings to average equity (ytd only) | 3.3093% | 3,167 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8304% | 1,999 |
| Assets per employee ($millions) | 5.5369% | 3,289 |
| Cash dividends to net income (ytd only)* | 52.3139% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9395% | 3,926 |
| Loan loss allowance to noncurrent loans | 2,243.8356% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.0197% | 3,852 |
| Noncurrent loans to loans | 0.0419% | 3,678 |
| Net loans and leases to total assets | 46.5538% | 3,529 |
| Net loans and leases to deposits | 55.5971% | 3,298 |
| Net loans and leases to core deposits | 56.3428% | 3,417 |
| Total domestic deposits to total assets | 83.7342% | 3,815 |
| Equity capital to assets | 7.6951% | 3,802 |
| Core capital (leverage) ratio | 9.1027% | 3,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.0700% | 292 |
| Memoranda: | ||
| Average total assets | $373,235,500 | 2,158 |
| Average earning assets | $359,578,500 | 2,113 |
| Average equity | $28,646,500 | 2,557 |
| Average total loans | $175,554,000 | 2,409 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4708% | 4,504 |
| Cost of funding earning assets | 0.1369% | 4,095 |
| Net interest margin | 2.3339% | 4,387 |
| Noninterest income to average assets | 0.2119% | 4,103 |
| Noninterest expense to average assets | 1.8611% | 4,023 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4702% | 4,140 |
| Return on assets (ROA) | 0.4702% | 4,184 |
| Pretax return on assets | 0.6084% | 4,089 |
| Return on Equity (ROE) | 5.7818% | 3,821 |
| Retained earnings to average equity (ytd only) | 2.2723% | 3,902 |
| Net charge-offs to loans | 0.0011% | 2,630 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 1,109.5000% | 131 |
| Efficiency ratio | 75.3636% | 1,166 |
| Assets per employee ($millions) | 5.8671% | 2,891 |
| Cash dividends to net income (ytd only)* | 60.6997% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9266% | 3,999 |
| Loan loss allowance to noncurrent loans | 2,373.9130% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.0184% | 3,954 |
| Noncurrent loans to loans | 0.0390% | 3,798 |
| Net loans and leases to total assets | 46.6394% | 3,640 |
| Net loans and leases to deposits | 55.0267% | 3,517 |
| Net loans and leases to core deposits | 55.7460% | 3,638 |
| Total domestic deposits to total assets | 84.7578% | 3,341 |
| Equity capital to assets | 7.6555% | 4,529 |
| Core capital (leverage) ratio | 9.1191% | 3,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.2244% | 298 |
| Memoranda: | ||
| Average total assets | $364,729,000 | 2,128 |
| Average earning assets | $352,798,400 | 2,069 |
| Average equity | $29,662,200 | 2,559 |
| Average total loans | $175,048,600 | 2,422 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4660% | 4,594 |
| Cost of funding earning assets | 0.1459% | 4,148 |
| Net interest margin | 2.3202% | 4,471 |
| Noninterest income to average assets | 0.2103% | 4,144 |
| Noninterest expense to average assets | 1.9427% | 3,830 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3977% | 4,374 |
| Return on assets (ROA) | 0.3977% | 4,407 |
| Pretax return on assets | 0.5112% | 4,357 |
| Return on Equity (ROE) | 4.8173% | 4,159 |
| Retained earnings to average equity (ytd only) | 1.3337% | 4,342 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1685% | 799 |
| Assets per employee ($millions) | 5.9157% | 2,774 |
| Cash dividends to net income (ytd only)* | 72.3148% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9396% | 4,034 |
| Loan loss allowance to noncurrent loans | 4,432.4324% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.0099% | 4,169 |
| Noncurrent loans to loans | 0.0212% | 4,043 |
| Net loans and leases to total assets | 46.3929% | 3,761 |
| Net loans and leases to deposits | 55.3079% | 3,633 |
| Net loans and leases to core deposits | 56.1700% | 3,762 |
| Total domestic deposits to total assets | 83.8810% | 3,488 |
| Equity capital to assets | 7.8422% | 4,590 |
| Core capital (leverage) ratio | 9.0542% | 3,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.0331% | 339 |
| Memoranda: | ||
| Average total assets | $362,037,250 | 2,159 |
| Average earning assets | $350,083,500 | 2,099 |
| Average equity | $29,891,250 | 2,576 |
| Average total loans | $174,619,000 | 2,467 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4806% | 4,631 |
| Cost of funding earning assets | 0.1565% | 4,151 |
| Net interest margin | 2.3241% | 4,494 |
| Noninterest income to average assets | 0.2120% | 4,136 |
| Noninterest expense to average assets | 1.9599% | 3,808 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3877% | 4,409 |
| Return on assets (ROA) | 0.3877% | 4,447 |
| Pretax return on assets | 0.4971% | 4,395 |
| Return on Equity (ROE) | 4.6160% | 4,210 |
| Retained earnings to average equity (ytd only) | 1.1557% | 4,306 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7684% | 800 |
| Assets per employee ($millions) | 5.3382% | 3,300 |
| Cash dividends to net income (ytd only)* | 74.9640% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9298% | 4,066 |
| Loan loss allowance to noncurrent loans | 4,000.0000% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 4,223 |
| Noncurrent loans to loans | 0.0232% | 4,103 |
| Net loans and leases to total assets | 47.4420% | 3,788 |
| Net loans and leases to deposits | 56.9485% | 3,640 |
| Net loans and leases to core deposits | 57.8523% | 3,765 |
| Total domestic deposits to total assets | 83.3069% | 3,637 |
| Equity capital to assets | 7.9899% | 4,541 |
| Core capital (leverage) ratio | 9.3555% | 3,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4461% | 357 |
| Memoranda: | ||
| Average total assets | $358,486,000 | 2,170 |
| Average earning assets | $346,285,333 | 2,109 |
| Average equity | $30,112,667 | 2,545 |
| Average total loans | $174,644,667 | 2,475 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5504% | 4,613 |
| Cost of funding earning assets | 0.1761% | 4,110 |
| Net interest margin | 2.3744% | 4,441 |
| Noninterest income to average assets | 0.2172% | 4,092 |
| Noninterest expense to average assets | 1.8203% | 4,174 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5351% | 4,104 |
| Return on assets (ROA) | 0.5351% | 4,144 |
| Pretax return on assets | 0.6856% | 4,049 |
| Return on Equity (ROE) | 6.2126% | 3,802 |
| Retained earnings to average equity (ytd only) | 2.7977% | 3,840 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6411% | 1,439 |
| Assets per employee ($millions) | 5.4653% | 3,148 |
| Cash dividends to net income (ytd only)* | 54.9683% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9481% | 4,025 |
| Loan loss allowance to noncurrent loans | 3,565.2174% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.0129% | 4,290 |
| Noncurrent loans to loans | 0.0266% | 4,157 |
| Net loans and leases to total assets | 48.2332% | 3,791 |
| Net loans and leases to deposits | 58.1828% | 3,636 |
| Net loans and leases to core deposits | 59.2107% | 3,759 |
| Total domestic deposits to total assets | 82.8993% | 3,708 |
| Equity capital to assets | 8.3593% | 4,223 |
| Core capital (leverage) ratio | 9.5391% | 3,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.5054% | 307 |
| Memoranda: | ||
| Average total assets | $353,560,000 | 2,168 |
| Average earning assets | $340,807,000 | 2,123 |
| Average equity | $30,454,000 | 2,508 |
| Average total loans | $173,773,500 | 2,487 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0968% | 4,570 |
| Cost of funding earning assets | 0.2854% | 4,220 |
| Net interest margin | 2.8114% | 4,246 |
| Noninterest income to average assets | 0.2607% | 3,918 |
| Noninterest expense to average assets | 1.9700% | 4,198 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.7679% | 3,209 |
| Return on assets (ROA) | 0.7679% | 3,333 |
| Pretax return on assets | 0.9813% | 3,100 |
| Return on Equity (ROE) | 8.1441% | 2,757 |
| Retained earnings to average equity (ytd only) | 1.8332% | 3,895 |
| Net charge-offs to loans | -0.0005% | 3,908 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7493% | 2,402 |
| Assets per employee ($millions) | 5.1747% | 3,191 |
| Cash dividends to net income (ytd only)* | 77.4911% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9395% | 4,077 |
| Loan loss allowance to noncurrent loans | 2,928.5714% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 4,327 |
| Noncurrent loans to loans | 0.0321% | 4,181 |
| Net loans and leases to total assets | 49.1427% | 3,894 |
| Net loans and leases to deposits | 62.2604% | 3,589 |
| Net loans and leases to core deposits | 63.3681% | 3,742 |
| Total domestic deposits to total assets | 78.9310% | 4,209 |
| Equity capital to assets | 8.8701% | 4,173 |
| Core capital (leverage) ratio | 9.8035% | 2,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5262% | 334 |
| Memoranda: | ||
| Average total assets | $328,021,000 | 2,144 |
| Average earning assets | $313,934,600 | 2,100 |
| Average equity | $30,930,200 | 2,436 |
| Average total loans | $181,967,800 | 2,395 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1658% | 4,619 |
| Cost of funding earning assets | 0.3118% | 4,262 |
| Net interest margin | 2.8540% | 4,253 |
| Noninterest income to average assets | 0.2451% | 4,011 |
| Noninterest expense to average assets | 1.9557% | 4,240 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.7978% | 3,100 |
| Return on assets (ROA) | 0.7978% | 3,219 |
| Pretax return on assets | 1.0180% | 3,003 |
| Return on Equity (ROE) | 8.3256% | 2,679 |
| Retained earnings to average equity (ytd only) | 2.0004% | 3,932 |
| Net charge-offs to loans | 0.0087% | 2,799 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 204.9167% | 486 |
| Efficiency ratio | 65.7664% | 2,496 |
| Assets per employee ($millions) | 4.5525% | 3,780 |
| Cash dividends to net income (ytd only)* | 75.9730% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8799% | 4,131 |
| Loan loss allowance to noncurrent loans | 2,854.3860% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.0172% | 4,395 |
| Noncurrent loans to loans | 0.0308% | 4,277 |
| Net loans and leases to total assets | 55.1507% | 3,696 |
| Net loans and leases to deposits | 69.1022% | 3,389 |
| Net loans and leases to core deposits | 70.3891% | 3,599 |
| Total domestic deposits to total assets | 79.8103% | 3,902 |
| Equity capital to assets | 9.4201% | 3,751 |
| Core capital (leverage) ratio | 9.8697% | 2,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2162% | 442 |
| Memoranda: | ||
| Average total assets | $322,057,000 | 2,157 |
| Average earning assets | $307,909,750 | 2,112 |
| Average equity | $30,859,750 | 2,429 |
| Average total loans | $183,819,250 | 2,385 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2285% | 4,697 |
| Cost of funding earning assets | 0.3462% | 4,287 |
| Net interest margin | 2.8823% | 4,337 |
| Noninterest income to average assets | 0.2348% | 4,072 |
| Noninterest expense to average assets | 1.9546% | 4,320 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.8147% | 2,989 |
| Return on assets (ROA) | 0.8147% | 3,106 |
| Pretax return on assets | 1.0344% | 2,913 |
| Return on Equity (ROE) | 8.4530% | 2,578 |
| Retained earnings to average equity (ytd only) | 2.0970% | 3,712 |
| Net charge-offs to loans | 0.0087% | 2,631 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 206.0000% | 431 |
| Efficiency ratio | 65.3927% | 2,603 |
| Assets per employee ($millions) | 4.8324% | 3,385 |
| Cash dividends to net income (ytd only)* | 75.1926% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8712% | 4,121 |
| Loan loss allowance to noncurrent loans | 4,530.5556% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.0106% | 4,528 |
| Noncurrent loans to loans | 0.0192% | 4,423 |
| Net loans and leases to total assets | 54.8630% | 3,801 |
| Net loans and leases to deposits | 69.2600% | 3,476 |
| Net loans and leases to core deposits | 70.6028% | 3,661 |
| Total domestic deposits to total assets | 79.2131% | 3,996 |
| Equity capital to assets | 9.2550% | 3,875 |
| Core capital (leverage) ratio | 10.3248% | 2,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9813% | 450 |
| Memoranda: | ||
| Average total assets | $318,631,667 | 2,154 |
| Average earning assets | $304,476,667 | 2,108 |
| Average equity | $30,711,000 | 2,429 |
| Average total loans | $183,455,333 | 2,371 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4167% | 4,721 |
| Cost of funding earning assets | 0.4105% | 4,326 |
| Net interest margin | 3.0062% | 4,270 |
| Noninterest income to average assets | 0.2552% | 4,018 |
| Noninterest expense to average assets | 2.0310% | 4,343 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8769% | 2,590 |
| Return on assets (ROA) | 0.8769% | 2,694 |
| Pretax return on assets | 1.0984% | 2,528 |
| Return on Equity (ROE) | 8.9041% | 2,152 |
| Retained earnings to average equity (ytd only) | 2.4858% | 3,269 |
| Net charge-offs to loans | 0.0176% | 2,021 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 106.0000% | 557 |
| Efficiency ratio | 64.9007% | 3,101 |
| Assets per employee ($millions) | 4.4950% | 3,267 |
| Cash dividends to net income (ytd only)* | 72.0827% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9018% | 4,097 |
| Loan loss allowance to noncurrent loans | 2,204.0541% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.0246% | 4,505 |
| Noncurrent loans to loans | 0.0409% | 4,393 |
| Net loans and leases to total assets | 59.5151% | 3,542 |
| Net loans and leases to deposits | 80.4507% | 2,633 |
| Net loans and leases to core deposits | 82.3298% | 2,995 |
| Total domestic deposits to total assets | 73.9771% | 4,663 |
| Equity capital to assets | 10.3160% | 3,503 |
| Core capital (leverage) ratio | 10.8776% | 2,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2056% | 431 |
| Memoranda: | ||
| Average total assets | $308,812,500 | 2,153 |
| Average earning assets | $295,258,500 | 2,105 |
| Average equity | $30,413,000 | 2,429 |
| Average total loans | $181,575,000 | 2,343 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5091% | 4,850 |
| Cost of funding earning assets | 0.5580% | 3,834 |
| Net interest margin | 2.9511% | 4,576 |
| Noninterest income to average assets | 0.2623% | 4,110 |
| Noninterest expense to average assets | 2.1651% | 4,233 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7538% | 3,688 |
| Return on assets (ROA) | 0.7538% | 3,766 |
| Pretax return on assets | 0.9303% | 3,647 |
| Return on Equity (ROE) | 7.9670% | 3,177 |
| Retained earnings to average equity (ytd only) | -0.7392% | 4,784 |
| Net charge-offs to loans | 0.0110% | 3,300 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 147.0000% | 502 |
| Efficiency ratio | 69.9448% | 2,180 |
| Assets per employee ($millions) | 4.7233% | 2,925 |
| Cash dividends to net income (ytd only)* | 109.2779% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8992% | 3,961 |
| Loan loss allowance to noncurrent loans | 5,121.8750% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.0101% | 4,617 |
| Noncurrent loans to loans | 0.0176% | 4,505 |
| Net loans and leases to total assets | 57.0819% | 3,841 |
| Net loans and leases to deposits | 81.4665% | 2,618 |
| Net loans and leases to core deposits | 83.3743% | 3,011 |
| Total domestic deposits to total assets | 70.0679% | 4,935 |
| Equity capital to assets | 9.4033% | 4,424 |
| Core capital (leverage) ratio | 10.6573% | 2,801 |
| Tier 1 risk-based capital ratio | 23.3237% | 886 |
| Total risk-based capital ratio | 24.4824% | 877 |
| Memoranda: | ||
| Average total assets | $316,012,400 | 2,062 |
| Average earning assets | $303,383,200 | 1,999 |
| Average equity | $29,898,200 | 2,402 |
| Average total loans | $182,092,200 | 2,297 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5331% | 4,934 |
| Cost of funding earning assets | 0.5933% | 3,732 |
| Net interest margin | 2.9399% | 4,708 |
| Noninterest income to average assets | 0.2659% | 4,148 |
| Noninterest expense to average assets | 2.1631% | 4,250 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7517% | 3,844 |
| Return on assets (ROA) | 0.7517% | 3,907 |
| Pretax return on assets | 0.9243% | 3,810 |
| Return on Equity (ROE) | 7.9330% | 3,342 |
| Retained earnings to average equity (ytd only) | 1.4120% | 4,459 |
| Net charge-offs to loans | 0.0147% | 2,871 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 109.4837% | 699 |
| Efficiency ratio | 70.0615% | 2,107 |
| Assets per employee ($millions) | 4.5156% | 3,176 |
| Cash dividends to net income (ytd only)* | 82.2009% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9019% | 4,037 |
| Loan loss allowance to noncurrent loans | 3,092.4528% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 4,665 |
| Noncurrent loans to loans | 0.0292% | 4,542 |
| Net loans and leases to total assets | 57.7999% | 3,896 |
| Net loans and leases to deposits | 81.8863% | 2,698 |
| Net loans and leases to core deposits | 83.8154% | 3,113 |
| Total domestic deposits to total assets | 70.5856% | 4,969 |
| Equity capital to assets | 9.7514% | 4,250 |
| Core capital (leverage) ratio | 10.5471% | 3,062 |
| Tier 1 risk-based capital ratio | 23.3253% | 914 |
| Total risk-based capital ratio | 24.4654% | 903 |
| Memoranda: | ||
| Average total assets | $315,899,750 | 2,073 |
| Average earning assets | $303,179,750 | 2,014 |
| Average equity | $29,933,250 | 2,413 |
| Average total loans | $182,044,750 | 2,322 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4901% | 5,014 |
| Cost of funding earning assets | 0.6071% | 3,613 |
| Net interest margin | 2.8830% | 4,840 |
| Noninterest income to average assets | 0.2578% | 4,210 |
| Noninterest expense to average assets | 2.0936% | 4,427 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7569% | 3,805 |
| Return on assets (ROA) | 0.7569% | 3,868 |
| Pretax return on assets | 0.9296% | 3,767 |
| Return on Equity (ROE) | 8.0649% | 3,265 |
| Retained earnings to average equity (ytd only) | 1.5109% | 4,285 |
| Net charge-offs to loans | 0.0198% | 2,471 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 81.9444% | 800 |
| Efficiency ratio | 69.2516% | 2,341 |
| Assets per employee ($millions) | 4.4777% | 3,175 |
| Cash dividends to net income (ytd only)* | 81.2656% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9013% | 4,085 |
| Loan loss allowance to noncurrent loans | 2,604.7619% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.0198% | 4,687 |
| Noncurrent loans to loans | 0.0346% | 4,540 |
| Net loans and leases to total assets | 56.7546% | 4,029 |
| Net loans and leases to deposits | 81.5965% | 2,775 |
| Net loans and leases to core deposits | 83.5040% | 3,154 |
| Total domestic deposits to total assets | 69.5552% | 5,061 |
| Equity capital to assets | 9.4663% | 4,433 |
| Core capital (leverage) ratio | 10.7409% | 2,851 |
| Tier 1 risk-based capital ratio | 22.7266% | 969 |
| Total risk-based capital ratio | 23.8419% | 971 |
| Memoranda: | ||
| Average total assets | $317,341,330 | 2,066 |
| Average earning assets | $304,403,000 | 2,010 |
| Average equity | $29,783,330 | 2,411 |
| Average total loans | $182,150,000 | 2,326 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4682% | 5,067 |
| Cost of funding earning assets | 0.6242% | 3,441 |
| Net interest margin | 2.8439% | 4,944 |
| Noninterest income to average assets | 0.2498% | 4,228 |
| Noninterest expense to average assets | 2.0804% | 4,492 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7368% | 3,813 |
| Return on assets (ROA) | 0.7368% | 3,866 |
| Pretax return on assets | 0.8995% | 3,771 |
| Return on Equity (ROE) | 7.8846% | 3,315 |
| Retained earnings to average equity (ytd only) | 7.8846% | 1,708 |
| Net charge-offs to loans | 0.0022% | 2,679 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 713.0000% | 94 |
| Efficiency ratio | 69.8137% | 2,373 |
| Assets per employee ($millions) | 4.4627% | 3,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9098% | 4,110 |
| Loan loss allowance to noncurrent loans | 3,188.4615% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.0295% | 4,700 |
| Noncurrent loans to loans | 0.0285% | 4,651 |
| Net loans and leases to total assets | 57.8024% | 3,909 |
| Net loans and leases to deposits | 84.2690% | 2,353 |
| Net loans and leases to core deposits | 86.0927% | 2,862 |
| Total domestic deposits to total assets | 68.5927% | 5,155 |
| Equity capital to assets | 9.5675% | 4,193 |
| Core capital (leverage) ratio | 10.6752% | 2,868 |
| Tier 1 risk-based capital ratio | 22.7497% | 964 |
| Total risk-based capital ratio | 23.8658% | 954 |
| Memoranda: | ||
| Average total assets | $317,054,000 | 2,082 |
| Average earning assets | $304,368,500 | 2,027 |
| Average equity | $29,627,500 | 2,424 |
| Average total loans | $182,188,500 | 2,346 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3244% | 5,062 |
| Cost of funding earning assets | 0.5060% | 3,310 |
| Net interest margin | 2.8184% | 5,005 |
| Noninterest income to average assets | 0.2754% | 4,260 |
| Noninterest expense to average assets | 1.9828% | 4,779 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8145% | 3,751 |
| Return on assets (ROA) | 0.8145% | 3,752 |
| Pretax return on assets | 1.0027% | 3,591 |
| Return on Equity (ROE) | 9.2055% | 2,882 |
| Retained earnings to average equity (ytd only) | 3.1296% | 3,825 |
| Net charge-offs to loans | 0.0088% | 3,381 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 204.8125% | 448 |
| Efficiency ratio | 66.4139% | 2,797 |
| Assets per employee ($millions) | 4.6626% | 2,937 |
| Cash dividends to net income (ytd only)* | 66.0030% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9108% | 4,111 |
| Loan loss allowance to noncurrent loans | 942.6136% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.0671% | 4,494 |
| Noncurrent loans to loans | 0.0966% | 4,308 |
| Net loans and leases to total assets | 56.1023% | 4,125 |
| Net loans and leases to deposits | 83.3853% | 2,583 |
| Net loans and leases to core deposits | 85.1673% | 2,989 |
| Total domestic deposits to total assets | 67.2808% | 5,223 |
| Equity capital to assets | 9.1282% | 4,468 |
| Core capital (leverage) ratio | 10.5328% | 2,989 |
| Tier 1 risk-based capital ratio | 21.9008% | 1,044 |
| Total risk-based capital ratio | 22.9947% | 1,046 |
| Memoranda: | ||
| Average total assets | $326,806,400 | 2,011 |
| Average earning assets | $314,252,000 | 1,950 |
| Average equity | $28,917,600 | 2,399 |
| Average total loans | $182,276,000 | 2,313 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3114% | 5,113 |
| Cost of funding earning assets | 0.4879% | 3,273 |
| Net interest margin | 2.8235% | 5,063 |
| Noninterest income to average assets | 0.2776% | 4,296 |
| Noninterest expense to average assets | 1.9495% | 4,825 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8473% | 3,753 |
| Return on assets (ROA) | 0.8473% | 3,759 |
| Pretax return on assets | 1.0444% | 3,592 |
| Return on Equity (ROE) | 9.6508% | 2,776 |
| Retained earnings to average equity (ytd only) | 3.7770% | 3,891 |
| Net charge-offs to loans | 0.0022% | 3,409 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 856.6450% | 101 |
| Efficiency ratio | 65.1147% | 3,018 |
| Assets per employee ($millions) | 4.4670% | 3,170 |
| Cash dividends to net income (ytd only)* | 60.8634% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9317% | 4,128 |
| Loan loss allowance to noncurrent loans | 1,370.4918% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.0511% | 4,711 |
| Noncurrent loans to loans | 0.0680% | 4,577 |
| Net loans and leases to total assets | 56.0534% | 4,216 |
| Net loans and leases to deposits | 78.0499% | 3,230 |
| Net loans and leases to core deposits | 79.8637% | 3,501 |
| Total domestic deposits to total assets | 71.8174% | 5,142 |
| Equity capital to assets | 9.0459% | 4,509 |
| Core capital (leverage) ratio | 10.0772% | 3,548 |
| Tier 1 risk-based capital ratio | 22.0762% | 1,046 |
| Total risk-based capital ratio | 23.1905% | 1,038 |
| Memoranda: | ||
| Average total assets | $328,079,000 | 2,011 |
| Average earning assets | $315,625,750 | 1,955 |
| Average equity | $28,805,250 | 2,413 |
| Average total loans | $182,307,750 | 2,333 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2376% | 5,193 |
| Cost of funding earning assets | 0.4702% | 3,223 |
| Net interest margin | 2.7674% | 5,160 |
| Noninterest income to average assets | 0.2520% | 4,501 |
| Noninterest expense to average assets | 1.9143% | 4,938 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8164% | 3,804 |
| Return on assets (ROA) | 0.8164% | 3,811 |
| Pretax return on assets | 1.0027% | 3,655 |
| Return on Equity (ROE) | 9.3885% | 2,856 |
| Retained earnings to average equity (ytd only) | 3.7443% | 3,726 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6263% | 3,039 |
| Assets per employee ($millions) | 4.6551% | 2,879 |
| Cash dividends to net income (ytd only)* | 60.1182% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9117% | 4,286 |
| Loan loss allowance to noncurrent loans | 764.8402% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.0653% | 4,689 |
| Noncurrent loans to loans | 0.1192% | 4,368 |
| Net loans and leases to total assets | 54.3185% | 4,313 |
| Net loans and leases to deposits | 79.2292% | 3,028 |
| Net loans and leases to core deposits | 81.1692% | 3,305 |
| Total domestic deposits to total assets | 68.5587% | 5,324 |
| Equity capital to assets | 8.5728% | 4,889 |
| Core capital (leverage) ratio | 10.1777% | 3,387 |
| Tier 1 risk-based capital ratio | 21.3809% | 1,112 |
| Total risk-based capital ratio | 22.4711% | 1,118 |
| Memoranda: | ||
| Average total assets | $331,718,670 | 1,999 |
| Average earning assets | $319,439,000 | 1,944 |
| Average equity | $28,843,670 | 2,423 |
| Average total loans | $183,260,000 | 2,325 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2413% | 5,201 |
| Cost of funding earning assets | 0.4645% | 3,092 |
| Net interest margin | 2.7768% | 5,180 |
| Noninterest income to average assets | 0.2461% | 4,528 |
| Noninterest expense to average assets | 1.9515% | 4,940 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7903% | 3,747 |
| Return on assets (ROA) | 0.7903% | 3,752 |
| Pretax return on assets | 0.9685% | 3,640 |
| Return on Equity (ROE) | 9.0245% | 2,897 |
| Retained earnings to average equity (ytd only) | 3.6264% | 3,753 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8327% | 3,027 |
| Assets per employee ($millions) | 4.5046% | 3,148 |
| Cash dividends to net income (ytd only)* | 59.8160% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9244% | 4,334 |
| Loan loss allowance to noncurrent loans | 675.4032% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.0775% | 4,701 |
| Noncurrent loans to loans | 0.1369% | 4,354 |
| Net loans and leases to total assets | 56.1323% | 4,110 |
| Net loans and leases to deposits | 77.7831% | 3,042 |
| Net loans and leases to core deposits | 80.1289% | 3,311 |
| Total domestic deposits to total assets | 72.1652% | 5,274 |
| Equity capital to assets | 8.9748% | 4,585 |
| Core capital (leverage) ratio | 9.9464% | 3,590 |
| Tier 1 risk-based capital ratio | 21.2994% | 1,160 |
| Total risk-based capital ratio | 22.3947% | 1,155 |
| Memoranda: | ||
| Average total assets | $329,996,000 | 2,017 |
| Average earning assets | $317,770,500 | 1,968 |
| Average equity | $28,899,000 | 2,443 |
| Average total loans | $183,024,500 | 2,341 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1270% | 5,261 |
| Cost of funding earning assets | 0.4664% | 2,632 |
| Net interest margin | 2.6606% | 5,308 |
| Noninterest income to average assets | 0.2616% | 4,572 |
| Noninterest expense to average assets | 1.9839% | 4,984 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7791% | 3,252 |
| Return on assets (ROA) | 0.7791% | 3,293 |
| Pretax return on assets | 0.8413% | 4,119 |
| Return on Equity (ROE) | 9.1791% | 2,225 |
| Retained earnings to average equity (ytd only) | 4.4297% | 2,502 |
| Net charge-offs to loans | 0.0079% | 3,801 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 203.7857% | 393 |
| Efficiency ratio | 70.2223% | 2,511 |
| Assets per employee ($millions) | 4.8595% | 2,660 |
| Cash dividends to net income (ytd only)* | 51.7411% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9062% | 4,449 |
| Loan loss allowance to noncurrent loans | 721.9828% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.0682% | 4,786 |
| Noncurrent loans to loans | 0.1255% | 4,423 |
| Net loans and leases to total assets | 53.8482% | 4,379 |
| Net loans and leases to deposits | 78.2090% | 3,094 |
| Net loans and leases to core deposits | 80.3611% | 3,394 |
| Total domestic deposits to total assets | 68.8516% | 5,444 |
| Equity capital to assets | 8.5530% | 5,084 |
| Core capital (leverage) ratio | 9.8371% | 3,652 |
| Tier 1 risk-based capital ratio | 20.6780% | 1,201 |
| Total risk-based capital ratio | 21.7500% | 1,199 |
| Memoranda: | ||
| Average total assets | $339,130,400 | 1,965 |
| Average earning assets | $326,768,800 | 1,905 |
| Average equity | $28,782,800 | 2,447 |
| Average total loans | $177,125,200 | 2,361 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1196% | 5,312 |
| Cost of funding earning assets | 0.4700% | 2,523 |
| Net interest margin | 2.6495% | 5,369 |
| Noninterest income to average assets | 0.2664% | 4,604 |
| Noninterest expense to average assets | 1.9350% | 5,081 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6807% | 4,077 |
| Return on assets (ROA) | 0.6807% | 4,136 |
| Pretax return on assets | 0.8841% | 4,089 |
| Return on Equity (ROE) | 8.0356% | 3,109 |
| Retained earnings to average equity (ytd only) | 3.2746% | 3,975 |
| Net charge-offs to loans | 0.0015% | 3,722 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 1,122.0712% | 91 |
| Efficiency ratio | 68.6392% | 2,761 |
| Assets per employee ($millions) | 4.5465% | 3,058 |
| Cash dividends to net income (ytd only)* | 59.2484% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9364% | 4,400 |
| Loan loss allowance to noncurrent loans | 661.5686% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.0790% | 4,844 |
| Noncurrent loans to loans | 0.1415% | 4,488 |
| Net loans and leases to total assets | 55.2868% | 4,296 |
| Net loans and leases to deposits | 76.8069% | 3,297 |
| Net loans and leases to core deposits | 79.8256% | 3,468 |
| Total domestic deposits to total assets | 71.9816% | 5,381 |
| Equity capital to assets | 9.0288% | 4,889 |
| Core capital (leverage) ratio | 9.3163% | 4,389 |
| Tier 1 risk-based capital ratio | 20.1374% | 1,333 |
| Total risk-based capital ratio | 21.2270% | 1,329 |
| Memoranda: | ||
| Average total assets | $338,872,500 | 1,980 |
| Average earning assets | $326,488,250 | 1,922 |
| Average equity | $28,705,000 | 2,465 |
| Average total loans | $175,195,000 | 2,386 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0443% | 5,402 |
| Cost of funding earning assets | 0.4624% | 2,481 |
| Net interest margin | 2.5819% | 5,449 |
| Noninterest income to average assets | 0.2522% | 4,731 |
| Noninterest expense to average assets | 1.8912% | 5,197 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6600% | 4,030 |
| Return on assets (ROA) | 0.6600% | 4,088 |
| Pretax return on assets | 0.8494% | 4,101 |
| Return on Equity (ROE) | 7.9556% | 3,055 |
| Retained earnings to average equity (ytd only) | 3.1725% | 3,825 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0057% | 2,852 |
| Assets per employee ($millions) | 5.0030% | 2,386 |
| Cash dividends to net income (ytd only)* | 60.1232% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9500% | 4,418 |
| Loan loss allowance to noncurrent loans | 689.3878% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.0700% | 4,918 |
| Noncurrent loans to loans | 0.1378% | 4,565 |
| Net loans and leases to total assets | 50.2835% | 4,688 |
| Net loans and leases to deposits | 74.2587% | 3,520 |
| Net loans and leases to core deposits | 77.2149% | 3,663 |
| Total domestic deposits to total assets | 67.7140% | 5,604 |
| Equity capital to assets | 8.2934% | 5,410 |
| Core capital (leverage) ratio | 9.1357% | 4,572 |
| Tier 1 risk-based capital ratio | 20.2528% | 1,315 |
| Total risk-based capital ratio | 21.3588% | 1,317 |
| Memoranda: | ||
| Average total assets | $344,229,330 | 1,955 |
| Average earning assets | $331,767,000 | 1,893 |
| Average equity | $28,558,330 | 2,463 |
| Average total loans | $173,542,000 | 2,411 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0177% | 5,442 |
| Cost of funding earning assets | 0.4626% | 2,406 |
| Net interest margin | 2.5552% | 5,502 |
| Noninterest income to average assets | 0.2591% | 4,679 |
| Noninterest expense to average assets | 1.8978% | 5,246 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6611% | 3,875 |
| Return on assets (ROA) | 0.6611% | 3,917 |
| Pretax return on assets | 0.8217% | 4,027 |
| Return on Equity (ROE) | 7.9674% | 2,939 |
| Retained earnings to average equity (ytd only) | 3.1361% | 3,847 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7845% | 2,929 |
| Assets per employee ($millions) | 4.9154% | 2,553 |
| Cash dividends to net income (ytd only)* | 60.6383% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9895% | 4,351 |
| Loan loss allowance to noncurrent loans | 572.5424% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.0870% | 4,927 |
| Noncurrent loans to loans | 0.1728% | 4,500 |
| Net loans and leases to total assets | 49.8290% | 4,690 |
| Net loans and leases to deposits | 69.8968% | 3,804 |
| Net loans and leases to core deposits | 73.9615% | 3,834 |
| Total domestic deposits to total assets | 71.2894% | 5,582 |
| Equity capital to assets | 8.3895% | 5,309 |
| Core capital (leverage) ratio | 9.0968% | 4,624 |
| Tier 1 risk-based capital ratio | 20.7314% | 1,258 |
| Total risk-based capital ratio | 21.8722% | 1,256 |
| Memoranda: | ||
| Average total assets | $341,240,000 | 1,984 |
| Average earning assets | $328,591,000 | 1,916 |
| Average equity | $28,315,500 | 2,490 |
| Average total loans | $171,420,000 | 2,449 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0013% | 5,502 |
| Cost of funding earning assets | 0.4989% | 2,098 |
| Net interest margin | 2.5024% | 5,587 |
| Noninterest income to average assets | 0.2798% | 4,736 |
| Noninterest expense to average assets | 2.0009% | 5,183 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5533% | 4,423 |
| Return on assets (ROA) | 0.5533% | 4,525 |
| Pretax return on assets | 0.6820% | 4,551 |
| Return on Equity (ROE) | 6.3117% | 3,839 |
| Retained earnings to average equity (ytd only) | 0.3846% | 5,165 |
| Net charge-offs to loans | -0.0006% | 4,637 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5811% | 2,215 |
| Assets per employee ($millions) | 4.8354% | 2,597 |
| Cash dividends to net income (ytd only)* | 93.9070% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9811% | 4,429 |
| Loan loss allowance to noncurrent loans | 553.7705% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.0888% | 4,984 |
| Noncurrent loans to loans | 0.1772% | 4,525 |
| Net loans and leases to total assets | 49.6511% | 4,788 |
| Net loans and leases to deposits | 71.6182% | 3,751 |
| Net loans and leases to core deposits | 74.7088% | 3,863 |
| Total domestic deposits to total assets | 69.3274% | 5,688 |
| Equity capital to assets | 8.2073% | 5,466 |
| Core capital (leverage) ratio | 9.1528% | 4,546 |
| Tier 1 risk-based capital ratio | 19.9616% | 1,382 |
| Total risk-based capital ratio | 21.0680% | 1,382 |
| Memoranda: | ||
| Average total assets | $338,144,400 | 1,961 |
| Average earning assets | $324,724,800 | 1,897 |
| Average equity | $29,643,400 | 2,378 |
| Average total loans | $163,497,000 | 2,483 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0023% | 5,565 |
| Cost of funding earning assets | 0.5042% | 2,066 |
| Net interest margin | 2.4980% | 5,657 |
| Noninterest income to average assets | 0.2790% | 4,773 |
| Noninterest expense to average assets | 1.9953% | 5,214 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5529% | 4,484 |
| Return on assets (ROA) | 0.5529% | 4,593 |
| Pretax return on assets | 0.6820% | 4,661 |
| Return on Equity (ROE) | 6.2067% | 3,972 |
| Retained earnings to average equity (ytd only) | 0.1333% | 5,306 |
| Net charge-offs to loans | -0.0008% | 4,430 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5269% | 2,184 |
| Assets per employee ($millions) | 4.6556% | 2,828 |
| Cash dividends to net income (ytd only)* | 97.8525% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0083% | 4,353 |
| Loan loss allowance to noncurrent loans | 486.7435% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.1035% | 5,017 |
| Noncurrent loans to loans | 0.2072% | 4,527 |
| Net loans and leases to total assets | 49.4679% | 4,858 |
| Net loans and leases to deposits | 70.4332% | 3,947 |
| Net loans and leases to core deposits | 74.3872% | 3,968 |
| Total domestic deposits to total assets | 70.2339% | 5,682 |
| Equity capital to assets | 9.0450% | 5,131 |
| Core capital (leverage) ratio | 9.0183% | 4,810 |
| Tier 1 risk-based capital ratio | 20.0512% | 1,436 |
| Total risk-based capital ratio | 21.1656% | 1,425 |
| Memoranda: | ||
| Average total assets | $336,851,500 | 1,970 |
| Average earning assets | $323,393,250 | 1,910 |
| Average equity | $30,010,000 | 2,368 |
| Average total loans | $161,334,000 | 2,510 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9740% | 5,670 |
| Cost of funding earning assets | 0.4980% | 2,113 |
| Net interest margin | 2.4760% | 5,757 |
| Noninterest income to average assets | 0.2614% | 4,914 |
| Noninterest expense to average assets | 1.9591% | 5,354 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5519% | 4,475 |
| Return on assets (ROA) | 0.5519% | 4,585 |
| Pretax return on assets | 0.6775% | 4,689 |
| Return on Equity (ROE) | 6.2260% | 3,947 |
| Retained earnings to average equity (ytd only) | -0.3009% | 5,340 |
| Net charge-offs to loans | -0.0013% | 4,330 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3031% | 2,317 |
| Assets per employee ($millions) | 4.8943% | 2,418 |
| Cash dividends to net income (ytd only)* | 104.8335% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0408% | 4,277 |
| Loan loss allowance to noncurrent loans | 477.1186% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.1005% | 5,111 |
| Noncurrent loans to loans | 0.2181% | 4,567 |
| Net loans and leases to total assets | 45.5739% | 5,153 |
| Net loans and leases to deposits | 68.0966% | 4,173 |
| Net loans and leases to core deposits | 71.5367% | 4,221 |
| Total domestic deposits to total assets | 66.9254% | 5,867 |
| Equity capital to assets | 8.7074% | 5,476 |
| Core capital (leverage) ratio | 9.2815% | 4,481 |
| Tier 1 risk-based capital ratio | 20.2533% | 1,400 |
| Total risk-based capital ratio | 21.3817% | 1,398 |
| Memoranda: | ||
| Average total assets | $337,401,000 | 1,976 |
| Average earning assets | $323,668,000 | 1,910 |
| Average equity | $29,907,000 | 2,376 |
| Average total loans | $159,276,330 | 2,541 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0280% | 5,666 |
| Cost of funding earning assets | 0.5051% | 2,064 |
| Net interest margin | 2.5229% | 5,786 |
| Noninterest income to average assets | 0.2570% | 4,895 |
| Noninterest expense to average assets | 1.9508% | 5,430 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5844% | 4,252 |
| Return on assets (ROA) | 0.5844% | 4,368 |
| Pretax return on assets | 0.7226% | 4,443 |
| Return on Equity (ROE) | 6.5315% | 3,711 |
| Retained earnings to average equity (ytd only) | -0.5285% | 5,205 |
| Net charge-offs to loans | -0.0025% | 4,148 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9705% | 2,645 |
| Assets per employee ($millions) | 4.5116% | 3,046 |
| Cash dividends to net income (ytd only)* | 108.0913% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0595% | 4,288 |
| Loan loss allowance to noncurrent loans | 465.2893% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.1117% | 5,128 |
| Noncurrent loans to loans | 0.2277% | 4,613 |
| Net loans and leases to total assets | 48.5554% | 4,925 |
| Net loans and leases to deposits | 69.8558% | 3,872 |
| Net loans and leases to core deposits | 72.9663% | 3,979 |
| Total domestic deposits to total assets | 69.5080% | 5,884 |
| Equity capital to assets | 9.1712% | 5,020 |
| Core capital (leverage) ratio | 9.3232% | 4,466 |
| Tier 1 risk-based capital ratio | 20.2931% | 1,441 |
| Total risk-based capital ratio | 21.4235% | 1,441 |
| Memoranda: | ||
| Average total assets | $329,907,500 | 2,028 |
| Average earning assets | $315,980,500 | 1,968 |
| Average equity | $29,518,500 | 2,399 |
| Average total loans | $157,771,500 | 2,555 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0511% | 5,688 |
| Cost of funding earning assets | 0.4866% | 2,294 |
| Net interest margin | 2.5645% | 5,781 |
| Noninterest income to average assets | 0.2847% | 4,853 |
| Noninterest expense to average assets | 1.9418% | 5,557 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6609% | 3,991 |
| Return on assets (ROA) | 0.6609% | 4,078 |
| Pretax return on assets | 0.8098% | 4,157 |
| Return on Equity (ROE) | 7.3292% | 3,344 |
| Retained earnings to average equity (ytd only) | 0.2938% | 5,393 |
| Net charge-offs to loans | -0.0075% | 5,048 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5700% | 3,132 |
| Assets per employee ($millions) | 4.7855% | 2,628 |
| Cash dividends to net income (ytd only)* | 95.9908% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0812% | 4,143 |
| Loan loss allowance to noncurrent loans | 364.5788% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.1382% | 5,037 |
| Noncurrent loans to loans | 0.2965% | 4,396 |
| Net loans and leases to total assets | 46.1046% | 5,151 |
| Net loans and leases to deposits | 69.4574% | 3,975 |
| Net loans and leases to core deposits | 72.2515% | 4,110 |
| Total domestic deposits to total assets | 66.3782% | 6,011 |
| Equity capital to assets | 8.7306% | 5,361 |
| Core capital (leverage) ratio | 9.4514% | 4,246 |
| Tier 1 risk-based capital ratio | 20.3980% | 1,404 |
| Total risk-based capital ratio | 21.5321% | 1,406 |
| Memoranda: | ||
| Average total assets | $328,362,000 | 2,004 |
| Average earning assets | $315,855,000 | 1,916 |
| Average equity | $29,607,600 | 2,346 |
| Average total loans | $146,228,600 | 2,650 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0669% | 5,748 |
| Cost of funding earning assets | 0.4842% | 2,371 |
| Net interest margin | 2.5827% | 5,851 |
| Noninterest income to average assets | 0.2873% | 4,891 |
| Noninterest expense to average assets | 1.9254% | 5,602 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6795% | 3,996 |
| Return on assets (ROA) | 0.6795% | 4,108 |
| Pretax return on assets | 0.8501% | 4,173 |
| Return on Equity (ROE) | 7.4750% | 3,353 |
| Retained earnings to average equity (ytd only) | 0.4624% | 5,487 |
| Net charge-offs to loans | -0.0065% | 4,877 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3722% | 3,316 |
| Assets per employee ($millions) | 4.5189% | 2,975 |
| Cash dividends to net income (ytd only)* | 93.8138% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1411% | 3,993 |
| Loan loss allowance to noncurrent loans | 466.4820% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.1141% | 5,293 |
| Noncurrent loans to loans | 0.2446% | 4,700 |
| Net loans and leases to total assets | 46.1226% | 5,221 |
| Net loans and leases to deposits | 67.7140% | 4,218 |
| Net loans and leases to core deposits | 69.9158% | 4,378 |
| Total domestic deposits to total assets | 68.1138% | 6,038 |
| Equity capital to assets | 9.4856% | 4,768 |
| Core capital (leverage) ratio | 9.3882% | 4,456 |
| Tier 1 risk-based capital ratio | 21.5360% | 1,261 |
| Total risk-based capital ratio | 22.7299% | 1,247 |
| Memoranda: | ||
| Average total assets | $326,707,000 | 2,027 |
| Average earning assets | $314,750,750 | 1,934 |
| Average equity | $29,698,000 | 2,352 |
| Average total loans | $143,753,250 | 2,701 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0318% | 5,829 |
| Cost of funding earning assets | 0.4745% | 2,477 |
| Net interest margin | 2.5573% | 5,918 |
| Noninterest income to average assets | 0.2829% | 4,932 |
| Noninterest expense to average assets | 1.8936% | 5,722 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6803% | 3,977 |
| Return on assets (ROA) | 0.6803% | 4,095 |
| Pretax return on assets | 0.8541% | 4,115 |
| Return on Equity (ROE) | 7.5889% | 3,267 |
| Retained earnings to average equity (ytd only) | 0.5541% | 5,330 |
| Net charge-offs to loans | -0.0070% | 4,832 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9153% | 3,505 |
| Assets per employee ($millions) | 4.8923% | 2,408 |
| Cash dividends to net income (ytd only)* | 92.6981% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1491% | 4,083 |
| Loan loss allowance to noncurrent loans | 464.6409% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.1072% | 5,433 |
| Noncurrent loans to loans | 0.2473% | 4,775 |
| Net loans and leases to total assets | 42.8644% | 5,444 |
| Net loans and leases to deposits | 66.2650% | 4,315 |
| Net loans and leases to core deposits | 68.6451% | 4,443 |
| Total domestic deposits to total assets | 64.6863% | 6,193 |
| Equity capital to assets | 8.5834% | 5,610 |
| Core capital (leverage) ratio | 9.4111% | 4,403 |
| Tier 1 risk-based capital ratio | 21.9680% | 1,216 |
| Total risk-based capital ratio | 23.1853% | 1,199 |
| Memoranda: | ||
| Average total assets | $330,168,670 | 2,011 |
| Average earning assets | $318,228,330 | 1,928 |
| Average equity | $29,595,670 | 2,367 |
| Average total loans | $142,477,670 | 2,723 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0776% | 5,808 |
| Cost of funding earning assets | 0.4655% | 2,612 |
| Net interest margin | 2.6122% | 5,908 |
| Noninterest income to average assets | 0.2671% | 5,041 |
| Noninterest expense to average assets | 1.8673% | 5,803 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7351% | 3,617 |
| Return on assets (ROA) | 0.7351% | 3,749 |
| Pretax return on assets | 0.9165% | 3,825 |
| Return on Equity (ROE) | 8.0251% | 2,945 |
| Retained earnings to average equity (ytd only) | 1.0566% | 5,053 |
| Net charge-offs to loans | -0.0057% | 4,532 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0775% | 3,979 |
| Assets per employee ($millions) | 4.5232% | 3,013 |
| Cash dividends to net income (ytd only)* | 86.8333% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2028% | 3,964 |
| Loan loss allowance to noncurrent loans | 447.7333% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.1184% | 5,480 |
| Noncurrent loans to loans | 0.2686% | 4,817 |
| Net loans and leases to total assets | 43.5562% | 5,385 |
| Net loans and leases to deposits | 64.3645% | 4,331 |
| Net loans and leases to core deposits | 65.9815% | 4,520 |
| Total domestic deposits to total assets | 67.6711% | 6,210 |
| Equity capital to assets | 9.5190% | 4,731 |
| Core capital (leverage) ratio | 9.8133% | 3,869 |
| Tier 1 risk-based capital ratio | 24.0097% | 992 |
| Total risk-based capital ratio | 25.2433% | 983 |
| Memoranda: | ||
| Average total assets | $326,468,500 | 2,041 |
| Average earning assets | $314,526,000 | 1,962 |
| Average equity | $29,906,000 | 2,362 |
| Average total loans | $140,527,000 | 2,750 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1950% | 5,842 |
| Cost of funding earning assets | 0.4665% | 3,011 |
| Net interest margin | 2.7285% | 5,901 |
| Noninterest income to average assets | 0.2699% | 5,192 |
| Noninterest expense to average assets | 2.0080% | 5,748 |
| Loan and lease loss provision to assets | -0.0324% | 5,980 |
| Net operating income to assets | 0.7474% | 3,639 |
| Return on assets (ROA) | 0.7474% | 3,737 |
| Pretax return on assets | 0.9224% | 3,816 |
| Return on Equity (ROE) | 8.1630% | 3,042 |
| Retained earnings to average equity (ytd only) | 0.7926% | 5,408 |
| Net charge-offs to loans | -0.0029% | 5,405 |
| Credit loss provision to net charge-offs | 2,500.0000% | 125 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2901% | 3,659 |
| Assets per employee ($millions) | 4.9458% | 2,388 |
| Cash dividends to net income (ytd only)* | 90.2904% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1854% | 4,097 |
| Loan loss allowance to noncurrent loans | 434.4560% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.1148% | 5,571 |
| Noncurrent loans to loans | 0.2729% | 4,875 |
| Net loans and leases to total assets | 41.5651% | 5,653 |
| Net loans and leases to deposits | 67.1235% | 4,207 |
| Net loans and leases to core deposits | 68.9511% | 4,411 |
| Total domestic deposits to total assets | 61.9233% | 6,387 |
| Equity capital to assets | 8.8230% | 5,464 |
| Core capital (leverage) ratio | 9.3606% | 4,451 |
| Tier 1 risk-based capital ratio | 21.6885% | 1,273 |
| Total risk-based capital ratio | 22.8903% | 1,261 |
| Memoranda: | ||
| Average total assets | $308,659,800 | 2,109 |
| Average earning assets | $297,307,600 | 2,013 |
| Average equity | $28,261,600 | 2,389 |
| Average total loans | $137,574,400 | 2,744 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2296% | 5,870 |
| Cost of funding earning assets | 0.4684% | 3,064 |
| Net interest margin | 2.7612% | 5,915 |
| Noninterest income to average assets | 0.2682% | 5,286 |
| Noninterest expense to average assets | 2.0153% | 5,745 |
| Loan and lease loss provision to assets | -0.0442% | 6,167 |
| Net operating income to assets | 0.7688% | 3,573 |
| Return on assets (ROA) | 0.7688% | 3,678 |
| Pretax return on assets | 0.9566% | 3,772 |
| Return on Equity (ROE) | 8.3126% | 3,030 |
| Retained earnings to average equity (ytd only) | 0.8504% | 5,542 |
| Net charge-offs to loans | -0.0039% | 5,265 |
| Credit loss provision to net charge-offs | 2,500.0000% | 151 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8349% | 3,699 |
| Assets per employee ($millions) | 4.5156% | 2,946 |
| Cash dividends to net income (ytd only)* | 89.7700% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1969% | 4,245 |
| Loan loss allowance to noncurrent loans | 409.0244% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.1316% | 5,645 |
| Noncurrent loans to loans | 0.2926% | 5,031 |
| Net loans and leases to total assets | 44.4301% | 5,495 |
| Net loans and leases to deposits | 66.0461% | 4,324 |
| Net loans and leases to core deposits | 69.1641% | 4,399 |
| Total domestic deposits to total assets | 67.2713% | 6,370 |
| Equity capital to assets | 9.3608% | 4,963 |
| Core capital (leverage) ratio | 9.8329% | 3,898 |
| Tier 1 risk-based capital ratio | 22.3123% | 1,219 |
| Total risk-based capital ratio | 23.5506% | 1,205 |
| Memoranda: | ||
| Average total assets | $301,745,750 | 2,162 |
| Average earning assets | $290,640,000 | 2,078 |
| Average equity | $27,908,750 | 2,424 |
| Average total loans | $136,601,250 | 2,766 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2426% | 5,884 |
| Cost of funding earning assets | 0.4691% | 3,114 |
| Net interest margin | 2.7735% | 5,957 |
| Noninterest income to average assets | 0.3009% | 5,005 |
| Noninterest expense to average assets | 2.0183% | 5,808 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7612% | 3,509 |
| Return on assets (ROA) | 0.7612% | 3,616 |
| Pretax return on assets | 0.9529% | 3,669 |
| Return on Equity (ROE) | 8.2649% | 2,951 |
| Retained earnings to average equity (ytd only) | 0.6912% | 5,461 |
| Net charge-offs to loans | 0.0059% | 4,175 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 355.5000% | 192 |
| Efficiency ratio | 67.9296% | 4,020 |
| Assets per employee ($millions) | 4.4266% | 3,042 |
| Cash dividends to net income (ytd only)* | 91.6373% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2928% | 3,889 |
| Loan loss allowance to noncurrent loans | 447.8481% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.2530% | 5,333 |
| Noncurrent loans to loans | 0.2887% | 5,155 |
| Net loans and leases to total assets | 43.5906% | 5,560 |
| Net loans and leases to deposits | 64.9708% | 4,381 |
| Net loans and leases to core deposits | 68.0843% | 4,454 |
| Total domestic deposits to total assets | 67.0926% | 6,453 |
| Equity capital to assets | 9.3351% | 4,942 |
| Core capital (leverage) ratio | 10.1811% | 3,367 |
| Tier 1 risk-based capital ratio | 22.9688% | 1,114 |
| Total risk-based capital ratio | 24.2203% | 1,098 |
| Memoranda: | ||
| Average total assets | $298,468,670 | 2,185 |
| Average earning assets | $287,363,670 | 2,091 |
| Average equity | $27,489,670 | 2,440 |
| Average total loans | $135,431,330 | 2,787 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3071% | 5,827 |
| Cost of funding earning assets | 0.4797% | 3,110 |
| Net interest margin | 2.8273% | 5,882 |
| Noninterest income to average assets | 0.3006% | 4,953 |
| Noninterest expense to average assets | 1.9988% | 5,889 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8198% | 3,056 |
| Return on assets (ROA) | 0.8198% | 3,126 |
| Pretax return on assets | 1.0233% | 3,237 |
| Return on Equity (ROE) | 8.9648% | 2,482 |
| Retained earnings to average equity (ytd only) | 1.1804% | 5,132 |
| Net charge-offs to loans | 0.0416% | 2,800 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 53.5000% | 721 |
| Efficiency ratio | 66.1392% | 4,507 |
| Assets per employee ($millions) | 4.6503% | 2,727 |
| Cash dividends to net income (ytd only)* | 86.8333% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3124% | 4,060 |
| Loan loss allowance to noncurrent loans | 508.3815% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.2879% | 5,299 |
| Noncurrent loans to loans | 0.2582% | 5,327 |
| Net loans and leases to total assets | 45.8761% | 5,340 |
| Net loans and leases to deposits | 64.2512% | 4,287 |
| Net loans and leases to core deposits | 65.5061% | 4,550 |
| Total domestic deposits to total assets | 71.4012% | 6,391 |
| Equity capital to assets | 9.6910% | 4,235 |
| Core capital (leverage) ratio | 10.1755% | 3,319 |
| Tier 1 risk-based capital ratio | 23.4300% | 1,086 |
| Total risk-based capital ratio | 24.6816% | 1,067 |
| Memoranda: | ||
| Average total assets | $292,771,500 | 2,217 |
| Average earning assets | $281,821,000 | 2,132 |
| Average equity | $26,771,500 | 2,485 |
| Average total loans | $134,727,000 | 2,815 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4966% | 5,653 |
| Cost of funding earning assets | 0.4948% | 3,662 |
| Net interest margin | 3.0018% | 5,573 |
| Noninterest income to average assets | 0.3537% | 4,779 |
| Noninterest expense to average assets | 2.2068% | 5,611 |
| Loan and lease loss provision to assets | 0.0324% | 4,470 |
| Net operating income to assets | 0.7737% | 3,427 |
| Return on assets (ROA) | 0.7737% | 3,521 |
| Pretax return on assets | 1.0161% | 3,288 |
| Return on Equity (ROE) | 7.7389% | 3,174 |
| Retained earnings to average equity (ytd only) | 1.1745% | 5,301 |
| Net charge-offs to loans | -0.0100% | 6,015 |
| Credit loss provision to net charge-offs | -692.3077% | 6,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7915% | 4,238 |
| Assets per employee ($millions) | 4.4362% | 3,016 |
| Cash dividends to net income (ytd only)* | 84.8231% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3092% | 4,097 |
| Loan loss allowance to noncurrent loans | 253.6481% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.3661% | 5,152 |
| Noncurrent loans to loans | 0.5162% | 4,700 |
| Net loans and leases to total assets | 44.9669% | 5,589 |
| Net loans and leases to deposits | 66.7799% | 4,207 |
| Net loans and leases to core deposits | 68.3069% | 4,478 |
| Total domestic deposits to total assets | 67.3360% | 6,604 |
| Equity capital to assets | 8.6137% | 5,467 |
| Core capital (leverage) ratio | 10.4079% | 3,012 |
| Tier 1 risk-based capital ratio | 23.3644% | 1,043 |
| Total risk-based capital ratio | 24.6158% | 1,018 |
| Memoranda: | ||
| Average total assets | $277,643,000 | 2,290 |
| Average earning assets | $268,374,800 | 2,196 |
| Average equity | $27,756,000 | 2,398 |
| Average total loans | $130,582,600 | 2,853 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5504% | 5,578 |
| Cost of funding earning assets | 0.4938% | 3,835 |
| Net interest margin | 3.0566% | 5,445 |
| Noninterest income to average assets | 0.3593% | 4,823 |
| Noninterest expense to average assets | 2.2154% | 5,569 |
| Loan and lease loss provision to assets | 0.0440% | 4,132 |
| Net operating income to assets | 0.7973% | 3,359 |
| Return on assets (ROA) | 0.7973% | 3,491 |
| Pretax return on assets | 1.0564% | 3,274 |
| Return on Equity (ROE) | 7.6856% | 3,290 |
| Retained earnings to average equity (ytd only) | 1.8566% | 5,203 |
| Net charge-offs to loans | -0.0093% | 5,876 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8141% | 4,338 |
| Assets per employee ($millions) | 4.1040% | 3,632 |
| Cash dividends to net income (ytd only)* | 75.8430% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3403% | 4,197 |
| Loan loss allowance to noncurrent loans | 388.7912% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.3069% | 5,498 |
| Noncurrent loans to loans | 0.3447% | 5,351 |
| Net loans and leases to total assets | 47.3566% | 5,413 |
| Net loans and leases to deposits | 66.6815% | 4,220 |
| Net loans and leases to core deposits | 69.0397% | 4,428 |
| Total domestic deposits to total assets | 71.0191% | 6,547 |
| Equity capital to assets | 9.5721% | 4,461 |
| Core capital (leverage) ratio | 11.0737% | 2,409 |
| Tier 1 risk-based capital ratio | 24.2098% | 966 |
| Total risk-based capital ratio | 25.4617% | 950 |
| Memoranda: | ||
| Average total assets | $272,748,000 | 2,334 |
| Average earning assets | $263,812,000 | 2,231 |
| Average equity | $28,294,500 | 2,385 |
| Average total loans | $129,372,000 | 2,895 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5574% | 5,572 |
| Cost of funding earning assets | 0.5004% | 3,894 |
| Net interest margin | 3.0570% | 5,405 |
| Noninterest income to average assets | 0.3573% | 4,831 |
| Noninterest expense to average assets | 2.2183% | 5,582 |
| Loan and lease loss provision to assets | 0.0662% | 3,706 |
| Net operating income to assets | 0.7816% | 3,395 |
| Return on assets (ROA) | 0.7816% | 3,559 |
| Pretax return on assets | 1.0331% | 3,359 |
| Return on Equity (ROE) | 7.3430% | 3,424 |
| Retained earnings to average equity (ytd only) | 1.9480% | 5,035 |
| Net charge-offs to loans | -0.0109% | 5,786 |
| Credit loss provision to net charge-offs | -1,285.7143% | 6,064 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8661% | 4,382 |
| Assets per employee ($millions) | 4.0407% | 3,706 |
| Cash dividends to net income (ytd only)* | 73.4713% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3667% | 4,182 |
| Loan loss allowance to noncurrent loans | 335.9316% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.3380% | 5,465 |
| Noncurrent loans to loans | 0.4068% | 5,245 |
| Net loans and leases to total assets | 47.1046% | 5,418 |
| Net loans and leases to deposits | 64.6744% | 4,411 |
| Net loans and leases to core deposits | 66.5305% | 4,639 |
| Total domestic deposits to total assets | 72.8335% | 6,513 |
| Equity capital to assets | 10.3060% | 3,538 |
| Core capital (leverage) ratio | 11.0196% | 2,335 |
| Tier 1 risk-based capital ratio | 25.0602% | 865 |
| Total risk-based capital ratio | 26.3133% | 853 |
| Memoranda: | ||
| Average total assets | $272,008,330 | 2,350 |
| Average earning assets | $263,391,330 | 2,238 |
| Average equity | $28,952,670 | 2,347 |
| Average total loans | $128,501,330 | 2,910 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5615% | 5,552 |
| Cost of funding earning assets | 0.5090% | 3,989 |
| Net interest margin | 3.0525% | 5,422 |
| Noninterest income to average assets | 0.3521% | 4,861 |
| Noninterest expense to average assets | 2.1698% | 5,764 |
| Loan and lease loss provision to assets | 0.0660% | 3,533 |
| Net operating income to assets | 0.8054% | 3,130 |
| Return on assets (ROA) | 0.8054% | 3,264 |
| Pretax return on assets | 1.0724% | 3,063 |
| Return on Equity (ROE) | 7.4495% | 3,243 |
| Retained earnings to average equity (ytd only) | 3.0395% | 4,456 |
| Net charge-offs to loans | -0.0094% | 5,414 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5876% | 4,732 |
| Assets per employee ($millions) | 3.9785% | 3,995 |
| Cash dividends to net income (ytd only)* | 59.1985% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3391% | 4,519 |
| Loan loss allowance to noncurrent loans | 328.4895% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.3371% | 5,577 |
| Noncurrent loans to loans | 0.4076% | 5,398 |
| Net loans and leases to total assets | 46.7881% | 5,353 |
| Net loans and leases to deposits | 64.2834% | 4,284 |
| Net loans and leases to core deposits | 66.1222% | 4,513 |
| Total domestic deposits to total assets | 72.7842% | 6,619 |
| Equity capital to assets | 10.8671% | 3,116 |
| Core capital (leverage) ratio | 10.9114% | 2,341 |
| Tier 1 risk-based capital ratio | 25.0232% | 888 |
| Total risk-based capital ratio | 26.2753% | 874 |
| Memoranda: | ||
| Average total assets | $272,649,000 | 2,368 |
| Average earning assets | $264,044,500 | 2,263 |
| Average equity | $29,478,500 | 2,338 |
| Average total loans | $128,106,000 | 2,924 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5479% | 6,299 |
| Cost of funding earning assets | 0.6443% | 3,970 |
| Net interest margin | 2.9036% | 6,218 |
| Noninterest income to average assets | 0.3516% | 4,950 |
| Noninterest expense to average assets | 2.3089% | 5,673 |
| Loan and lease loss provision to assets | 0.0673% | 4,913 |
| Net operating income to assets | 0.6463% | 4,012 |
| Return on assets (ROA) | 0.6472% | 4,264 |
| Pretax return on assets | 0.7806% | 4,363 |
| Return on Equity (ROE) | 5.8613% | 4,241 |
| Retained earnings to average equity (ytd only) | 1.4552% | 5,143 |
| Net charge-offs to loans | 0.0190% | 5,645 |
| Credit loss provision to net charge-offs | 750.0000% | 327 |
| Earnings coverage of net charge-offs (x) | 94.4167% | 411 |
| Efficiency ratio | 73.1676% | 3,214 |
| Assets per employee ($millions) | 4.1630% | 3,629 |
| Cash dividends to net income (ytd only)* | 75.1732% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3056% | 4,603 |
| Loan loss allowance to noncurrent loans | 212.4682% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.4277% | 5,420 |
| Noncurrent loans to loans | 0.6145% | 4,976 |
| Net loans and leases to total assets | 45.9471% | 5,619 |
| Net loans and leases to deposits | 64.8667% | 4,447 |
| Net loans and leases to core deposits | 66.8317% | 4,654 |
| Total domestic deposits to total assets | 70.8331% | 6,756 |
| Equity capital to assets | 10.7575% | 3,216 |
| Core capital (leverage) ratio | 11.0651% | 2,202 |
| Tier 1 risk-based capital ratio | 25.1494% | 835 |
| Total risk-based capital ratio | 26.4011% | 822 |
| Memoranda: | ||
| Average total assets | $267,618,800 | 2,366 |
| Average earning assets | $258,433,600 | 2,257 |
| Average equity | $29,550,000 | 2,276 |
| Average total loans | $126,310,200 | 2,945 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5729% | 6,425 |
| Cost of funding earning assets | 0.6826% | 3,920 |
| Net interest margin | 2.8903% | 6,377 |
| Noninterest income to average assets | 0.3421% | 5,071 |
| Noninterest expense to average assets | 2.2941% | 5,693 |
| Loan and lease loss provision to assets | 0.0677% | 4,836 |
| Net operating income to assets | 0.6457% | 4,167 |
| Return on assets (ROA) | 0.6470% | 4,416 |
| Pretax return on assets | 0.7704% | 4,595 |
| Return on Equity (ROE) | 5.8209% | 4,424 |
| Retained earnings to average equity (ytd only) | 1.4169% | 5,615 |
| Net charge-offs to loans | 0.0254% | 5,315 |
| Credit loss provision to net charge-offs | 562.5000% | 465 |
| Earnings coverage of net charge-offs (x) | 69.4981% | 590 |
| Efficiency ratio | 73.2778% | 3,104 |
| Assets per employee ($millions) | 4.0235% | 3,822 |
| Cash dividends to net income (ytd only)* | 75.6587% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2671% | 4,962 |
| Loan loss allowance to noncurrent loans | 335.7438% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.3390% | 5,838 |
| Noncurrent loans to loans | 0.3774% | 5,713 |
| Net loans and leases to total assets | 49.1701% | 5,420 |
| Net loans and leases to deposits | 67.1051% | 4,323 |
| Net loans and leases to core deposits | 69.5413% | 4,555 |
| Total domestic deposits to total assets | 73.2732% | 6,659 |
| Equity capital to assets | 11.5112% | 2,729 |
| Core capital (leverage) ratio | 11.1262% | 2,276 |
| Tier 1 risk-based capital ratio | 25.6264% | 857 |
| Total risk-based capital ratio | 27.0334% | 832 |
| Memoranda: | ||
| Average total assets | $265,834,250 | 2,412 |
| Average earning assets | $256,479,500 | 2,286 |
| Average equity | $29,548,250 | 2,294 |
| Average total loans | $125,909,500 | 2,997 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5606% | 6,533 |
| Cost of funding earning assets | 0.7149% | 3,900 |
| Net interest margin | 2.8457% | 6,505 |
| Noninterest income to average assets | 0.3328% | 5,165 |
| Noninterest expense to average assets | 2.2590% | 5,850 |
| Loan and lease loss provision to assets | 0.0670% | 4,795 |
| Net operating income to assets | 0.6374% | 4,187 |
| Return on assets (ROA) | 0.6374% | 4,432 |
| Pretax return on assets | 0.7513% | 4,645 |
| Return on Equity (ROE) | 5.8000% | 4,423 |
| Retained earnings to average equity (ytd only) | 1.3890% | 5,500 |
| Net charge-offs to loans | 0.0416% | 4,798 |
| Credit loss provision to net charge-offs | 346.1538% | 844 |
| Earnings coverage of net charge-offs (x) | 42.2692% | 837 |
| Efficiency ratio | 73.4091% | 3,171 |
| Assets per employee ($millions) | 4.0431% | 3,782 |
| Cash dividends to net income (ytd only)* | 76.0514% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2395% | 5,163 |
| Loan loss allowance to noncurrent loans | 321.3849% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.3298% | 5,933 |
| Noncurrent loans to loans | 0.3857% | 5,762 |
| Net loans and leases to total assets | 47.1195% | 5,706 |
| Net loans and leases to deposits | 67.9026% | 4,219 |
| Net loans and leases to core deposits | 70.3194% | 4,499 |
| Total domestic deposits to total assets | 69.3927% | 6,936 |
| Equity capital to assets | 11.0862% | 3,028 |
| Core capital (leverage) ratio | 11.2710% | 2,068 |
| Tier 1 risk-based capital ratio | 25.3946% | 865 |
| Total risk-based capital ratio | 26.6458% | 848 |
| Memoranda: | ||
| Average total assets | $268,610,330 | 2,383 |
| Average earning assets | $259,057,000 | 2,267 |
| Average equity | $29,517,000 | 2,290 |
| Average total loans | $125,132,330 | 3,024 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5459% | 6,640 |
| Cost of funding earning assets | 0.7798% | 3,628 |
| Net interest margin | 2.7662% | 6,684 |
| Noninterest income to average assets | 0.3161% | 5,346 |
| Noninterest expense to average assets | 2.2145% | 6,001 |
| Loan and lease loss provision to assets | 0.0668% | 4,575 |
| Net operating income to assets | 0.6041% | 4,328 |
| Return on assets (ROA) | 0.6041% | 4,544 |
| Pretax return on assets | 0.6991% | 4,789 |
| Return on Equity (ROE) | 5.5216% | 4,536 |
| Retained earnings to average equity (ytd only) | 1.1125% | 5,637 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3028% | 3,047 |
| Assets per employee ($millions) | 4.0103% | 3,986 |
| Cash dividends to net income (ytd only)* | 79.8526% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2418% | 5,307 |
| Loan loss allowance to noncurrent loans | 205.4018% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 0.4666% | 5,690 |
| Noncurrent loans to loans | 0.6046% | 5,452 |
| Net loans and leases to total assets | 46.8433% | 5,694 |
| Net loans and leases to deposits | 66.3484% | 4,323 |
| Net loans and leases to core deposits | 68.6515% | 4,605 |
| Total domestic deposits to total assets | 70.6020% | 6,953 |
| Equity capital to assets | 11.0054% | 2,900 |
| Core capital (leverage) ratio | 10.7854% | 2,455 |
| Tier 1 risk-based capital ratio | 25.2352% | 882 |
| Total risk-based capital ratio | 26.4864% | 864 |
| Memoranda: | ||
| Average total assets | $269,493,000 | 2,389 |
| Average earning assets | $259,565,000 | 2,284 |
| Average equity | $29,484,000 | 2,295 |
| Average total loans | $124,041,500 | 3,060 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8112% | 6,712 |
| Cost of funding earning assets | 0.8712% | 4,317 |
| Net interest margin | 2.9400% | 6,626 |
| Noninterest income to average assets | 0.3796% | 4,792 |
| Noninterest expense to average assets | 2.2554% | 6,154 |
| Loan and lease loss provision to assets | 0.0984% | 5,360 |
| Net operating income to assets | 0.6813% | 3,572 |
| Return on assets (ROA) | 0.6813% | 3,764 |
| Pretax return on assets | 0.8404% | 3,819 |
| Return on Equity (ROE) | 6.3687% | 3,707 |
| Retained earnings to average equity (ytd only) | 1.8126% | 4,921 |
| Net charge-offs to loans | 0.2085% | 4,492 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 9.5361% | 1,962 |
| Efficiency ratio | 70.6082% | 3,831 |
| Assets per employee ($millions) | 4.3541% | 3,151 |
| Cash dividends to net income (ytd only)* | 71.5385% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2355% | 5,242 |
| Loan loss allowance to noncurrent loans | 193.8540% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.4641% | 5,807 |
| Noncurrent loans to loans | 0.6373% | 5,440 |
| Net loans and leases to total assets | 44.1205% | 6,203 |
| Net loans and leases to deposits | 67.6997% | 4,482 |
| Net loans and leases to core deposits | 70.0179% | 4,774 |
| Total domestic deposits to total assets | 65.1709% | 7,148 |
| Equity capital to assets | 10.8779% | 3,110 |
| Core capital (leverage) ratio | 10.8580% | 2,389 |
| Tier 1 risk-based capital ratio | 25.0368% | 864 |
| Total risk-based capital ratio | 26.2876% | 854 |
| Memoranda: | ||
| Average total assets | $267,142,400 | 2,359 |
| Average earning assets | $255,744,600 | 2,265 |
| Average equity | $28,577,400 | 2,295 |
| Average total loans | $126,134,400 | 3,055 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8714% | 6,765 |
| Cost of funding earning assets | 0.8851% | 4,506 |
| Net interest margin | 2.9863% | 6,612 |
| Noninterest income to average assets | 0.3648% | 4,950 |
| Noninterest expense to average assets | 2.2772% | 6,095 |
| Loan and lease loss provision to assets | 0.0678% | 5,606 |
| Net operating income to assets | 0.7155% | 3,531 |
| Return on assets (ROA) | 0.7155% | 3,704 |
| Pretax return on assets | 0.8763% | 3,859 |
| Return on Equity (ROE) | 6.7179% | 3,653 |
| Retained earnings to average equity (ytd only) | 2.1135% | 5,082 |
| Net charge-offs to loans | 0.2750% | 3,713 |
| Credit loss provision to net charge-offs | 51.5267% | 5,001 |
| Earnings coverage of net charge-offs (x) | 7.1718% | 2,406 |
| Efficiency ratio | 70.6910% | 3,815 |
| Assets per employee ($millions) | 4.1827% | 3,483 |
| Cash dividends to net income (ytd only)* | 68.5393% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1046% | 5,871 |
| Loan loss allowance to noncurrent loans | 143.2851% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 0.5069% | 5,820 |
| Noncurrent loans to loans | 0.7709% | 5,330 |
| Net loans and leases to total assets | 46.3875% | 6,108 |
| Net loans and leases to deposits | 68.1774% | 4,572 |
| Net loans and leases to core deposits | 71.4088% | 4,786 |
| Total domestic deposits to total assets | 68.0394% | 7,138 |
| Equity capital to assets | 11.1280% | 3,026 |
| Core capital (leverage) ratio | 10.9559% | 2,431 |
| Tier 1 risk-based capital ratio | 23.9754% | 1,013 |
| Total risk-based capital ratio | 25.1137% | 1,011 |
| Memoranda: | ||
| Average total assets | $265,351,000 | 2,388 |
| Average earning assets | $253,817,750 | 2,288 |
| Average equity | $28,262,000 | 2,314 |
| Average total loans | $127,033,000 | 3,065 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9318% | 6,768 |
| Cost of funding earning assets | 0.8943% | 4,717 |
| Net interest margin | 3.0375% | 6,532 |
| Noninterest income to average assets | 0.3538% | 5,057 |
| Noninterest expense to average assets | 2.2656% | 6,210 |
| Loan and lease loss provision to assets | 0.0680% | 5,455 |
| Net operating income to assets | 0.7454% | 3,311 |
| Return on assets (ROA) | 0.7454% | 3,435 |
| Pretax return on assets | 0.9215% | 3,543 |
| Return on Equity (ROE) | 7.1055% | 3,403 |
| Retained earnings to average equity (ytd only) | 2.4142% | 4,756 |
| Net charge-offs to loans | 0.0078% | 5,750 |
| Credit loss provision to net charge-offs | 1,800.0000% | 188 |
| Earnings coverage of net charge-offs (x) | 261.8000% | 130 |
| Efficiency ratio | 69.6006% | 4,186 |
| Assets per employee ($millions) | 4.0574% | 3,637 |
| Cash dividends to net income (ytd only)* | 66.0243% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2709% | 5,192 |
| Loan loss allowance to noncurrent loans | 128.7440% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 0.6120% | 5,693 |
| Noncurrent loans to loans | 0.9872% | 5,014 |
| Net loans and leases to total assets | 46.3858% | 6,226 |
| Net loans and leases to deposits | 70.4013% | 4,384 |
| Net loans and leases to core deposits | 73.8260% | 4,599 |
| Total domestic deposits to total assets | 65.8877% | 7,263 |
| Equity capital to assets | 10.8149% | 3,162 |
| Core capital (leverage) ratio | 11.0465% | 2,205 |
| Tier 1 risk-based capital ratio | 18.5826% | 1,974 |
| Total risk-based capital ratio | 19.6037% | 2,014 |
| Memoranda: | ||
| Average total assets | $264,569,670 | 2,408 |
| Average earning assets | $252,708,670 | 2,309 |
| Average equity | $27,753,000 | 2,334 |
| Average total loans | $127,522,670 | 3,082 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0145% | 6,669 |
| Cost of funding earning assets | 0.9063% | 4,874 |
| Net interest margin | 3.1082% | 6,330 |
| Noninterest income to average assets | 0.3575% | 5,041 |
| Noninterest expense to average assets | 2.2422% | 6,321 |
| Loan and lease loss provision to assets | 0.0685% | 5,135 |
| Net operating income to assets | 0.8047% | 3,003 |
| Return on assets (ROA) | 0.8047% | 3,068 |
| Pretax return on assets | 1.0100% | 3,098 |
| Return on Equity (ROE) | 7.7940% | 3,006 |
| Retained earnings to average equity (ytd only) | 3.0056% | 4,362 |
| Net charge-offs to loans | 0.0125% | 4,906 |
| Credit loss provision to net charge-offs | 1,125.0000% | 340 |
| Earnings coverage of net charge-offs (x) | 177.2500% | 181 |
| Efficiency ratio | 67.5218% | 4,750 |
| Assets per employee ($millions) | 4.2128% | 3,441 |
| Cash dividends to net income (ytd only)* | 61.4367% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2252% | 5,504 |
| Loan loss allowance to noncurrent loans | 114.9298% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 0.6815% | 5,588 |
| Noncurrent loans to loans | 1.0661% | 4,920 |
| Net loans and leases to total assets | 47.9954% | 6,077 |
| Net loans and leases to deposits | 70.3325% | 4,300 |
| Net loans and leases to core deposits | 73.3562% | 4,610 |
| Total domestic deposits to total assets | 68.2407% | 7,257 |
| Equity capital to assets | 10.5392% | 3,140 |
| Core capital (leverage) ratio | 11.0186% | 2,176 |
| Tier 1 risk-based capital ratio | 18.1976% | 2,053 |
| Total risk-based capital ratio | 19.1745% | 2,106 |
| Memoranda: | ||
| Average total assets | $262,960,000 | 2,446 |
| Average earning assets | $250,692,000 | 2,339 |
| Average equity | $27,149,000 | 2,359 |
| Average total loans | $128,376,500 | 3,094 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1531% | 6,984 |
| Cost of funding earning assets | 0.9598% | 5,888 |
| Net interest margin | 3.1933% | 6,283 |
| Noninterest income to average assets | 0.4083% | 4,837 |
| Noninterest expense to average assets | 2.2564% | 6,465 |
| Loan and lease loss provision to assets | 0.0935% | 6,207 |
| Net operating income to assets | 0.8076% | 2,766 |
| Return on assets (ROA) | 0.8076% | 2,903 |
| Pretax return on assets | 1.1157% | 2,524 |
| Return on Equity (ROE) | 7.3491% | 2,949 |
| Retained earnings to average equity (ytd only) | 0.4290% | 5,360 |
| Net charge-offs to loans | 0.0093% | 6,742 |
| Credit loss provision to net charge-offs | 2,000.0000% | 112 |
| Earnings coverage of net charge-offs (x) | 258.6667% | 89 |
| Efficiency ratio | 65.1079% | 5,145 |
| Assets per employee ($millions) | 3.9511% | 3,883 |
| Cash dividends to net income (ytd only)* | 94.1630% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1661% | 5,661 |
| Loan loss allowance to noncurrent loans | 113.9202% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 0.6664% | 5,668 |
| Noncurrent loans to loans | 1.0236% | 5,021 |
| Net loans and leases to total assets | 48.4739% | 6,342 |
| Net loans and leases to deposits | 74.7575% | 4,070 |
| Net loans and leases to core deposits | 77.4756% | 4,523 |
| Total domestic deposits to total assets | 64.8415% | 7,422 |
| Equity capital to assets | 10.1124% | 3,598 |
| Core capital (leverage) ratio | 11.1550% | 2,044 |
| Tier 1 risk-based capital ratio | 22.9482% | 1,044 |
| Total risk-based capital ratio | 24.1560% | 1,030 |
| Memoranda: | ||
| Average total assets | $256,690,400 | 2,484 |
| Average earning assets | $245,768,200 | 2,373 |
| Average equity | $28,207,600 | 2,300 |
| Average total loans | $128,809,200 | 3,146 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1778% | 7,122 |
| Cost of funding earning assets | 0.9762% | 6,049 |
| Net interest margin | 3.2016% | 6,337 |
| Noninterest income to average assets | 0.3926% | 5,017 |
| Noninterest expense to average assets | 2.2632% | 6,426 |
| Loan and lease loss provision to assets | 0.0471% | 6,615 |
| Net operating income to assets | 0.8151% | 2,937 |
| Return on assets (ROA) | 0.8151% | 3,080 |
| Pretax return on assets | 1.1523% | 2,665 |
| Return on Equity (ROE) | 7.2670% | 3,222 |
| Retained earnings to average equity (ytd only) | 3.3184% | 4,116 |
| Net charge-offs to loans | 0.0124% | 6,491 |
| Credit loss provision to net charge-offs | 750.0000% | 396 |
| Earnings coverage of net charge-offs (x) | 190.9119% | 169 |
| Efficiency ratio | 65.3614% | 4,985 |
| Assets per employee ($millions) | 3.7511% | 4,390 |
| Cash dividends to net income (ytd only)* | 54.3351% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0443% | 6,197 |
| Loan loss allowance to noncurrent loans | 126.5306% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 0.6020% | 5,928 |
| Noncurrent loans to loans | 0.8254% | 5,567 |
| Net loans and leases to total assets | 51.4257% | 6,169 |
| Net loans and leases to deposits | 75.9490% | 4,188 |
| Net loans and leases to core deposits | 78.9773% | 4,669 |
| Total domestic deposits to total assets | 67.7107% | 7,398 |
| Equity capital to assets | 11.8462% | 2,255 |
| Core capital (leverage) ratio | 11.4120% | 2,000 |
| Tier 1 risk-based capital ratio | 24.2452% | 919 |
| Total risk-based capital ratio | 25.3716% | 907 |
| Memoranda: | ||
| Average total assets | $254,682,000 | 2,539 |
| Average earning assets | $244,204,250 | 2,427 |
| Average equity | $28,567,000 | 2,306 |
| Average total loans | $128,552,500 | 3,188 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1154% | 7,269 |
| Cost of funding earning assets | 0.9861% | 6,215 |
| Net interest margin | 3.1293% | 6,520 |
| Noninterest income to average assets | 0.3784% | 5,097 |
| Noninterest expense to average assets | 2.2173% | 6,608 |
| Loan and lease loss provision to assets | 0.0469% | 6,499 |
| Net operating income to assets | 0.7787% | 3,071 |
| Return on assets (ROA) | 0.7787% | 3,216 |
| Pretax return on assets | 1.1165% | 2,726 |
| Return on Equity (ROE) | 7.0725% | 3,270 |
| Retained earnings to average equity (ytd only) | 3.3729% | 3,961 |
| Net charge-offs to loans | 0.0203% | 6,055 |
| Credit loss provision to net charge-offs | 461.5385% | 793 |
| Earnings coverage of net charge-offs (x) | 114.4615% | 291 |
| Efficiency ratio | 65.5874% | 5,053 |
| Assets per employee ($millions) | 4.0586% | 3,655 |
| Cash dividends to net income (ytd only)* | 52.3092% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0406% | 6,229 |
| Loan loss allowance to noncurrent loans | 140.3158% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 0.5170% | 6,173 |
| Noncurrent loans to loans | 0.7416% | 5,773 |
| Net loans and leases to total assets | 47.3233% | 6,680 |
| Net loans and leases to deposits | 73.6771% | 4,727 |
| Net loans and leases to core deposits | 76.3748% | 5,154 |
| Total domestic deposits to total assets | 64.2306% | 7,577 |
| Equity capital to assets | 10.7229% | 3,153 |
| Core capital (leverage) ratio | 11.5489% | 1,884 |
| Tier 1 risk-based capital ratio | 24.1684% | 927 |
| Total risk-based capital ratio | 25.2747% | 924 |
| Memoranda: | ||
| Average total assets | $255,802,000 | 2,547 |
| Average earning assets | $245,420,670 | 2,437 |
| Average equity | $28,165,330 | 2,325 |
| Average total loans | $127,867,330 | 3,238 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1238% | 7,355 |
| Cost of funding earning assets | 1.0105% | 6,330 |
| Net interest margin | 3.1133% | 6,554 |
| Noninterest income to average assets | 0.3731% | 5,155 |
| Noninterest expense to average assets | 2.2613% | 6,511 |
| Loan and lease loss provision to assets | 0.0480% | 6,182 |
| Net operating income to assets | 0.7287% | 3,316 |
| Return on assets (ROA) | 0.7287% | 3,423 |
| Pretax return on assets | 1.0490% | 2,906 |
| Return on Equity (ROE) | 6.5265% | 3,602 |
| Retained earnings to average equity (ytd only) | 3.7294% | 3,918 |
| Net charge-offs to loans | -0.0031% | 6,778 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3343% | 4,844 |
| Assets per employee ($millions) | 3.6559% | 4,679 |
| Cash dividends to net income (ytd only)* | 42.8571% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0333% | 6,311 |
| Loan loss allowance to noncurrent loans | 109.6586% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 0.6460% | 5,908 |
| Noncurrent loans to loans | 0.9423% | 5,443 |
| Net loans and leases to total assets | 50.7371% | 6,400 |
| Net loans and leases to deposits | 73.7896% | 4,778 |
| Net loans and leases to core deposits | 76.3577% | 5,210 |
| Total domestic deposits to total assets | 68.7592% | 7,482 |
| Equity capital to assets | 11.2031% | 2,586 |
| Core capital (leverage) ratio | 11.7151% | 1,793 |
| Tier 1 risk-based capital ratio | 24.2368% | 945 |
| Total risk-based capital ratio | 25.3410% | 938 |
| Memoranda: | ||
| Average total assets | $249,770,000 | 2,656 |
| Average earning assets | $239,488,000 | 2,539 |
| Average equity | $27,886,500 | 2,379 |
| Average total loans | $127,753,000 | 3,308 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3832% | 7,494 |
| Cost of funding earning assets | 1.1662% | 6,777 |
| Net interest margin | 3.2170% | 6,032 |
| Noninterest income to average assets | 0.4234% | 5,021 |
| Noninterest expense to average assets | 2.4656% | 6,252 |
| Loan and lease loss provision to assets | 0.1829% | 5,872 |
| Net operating income to assets | 0.5711% | 3,437 |
| Return on assets (ROA) | 0.5711% | 3,515 |
| Pretax return on assets | 0.8340% | 3,134 |
| Return on Equity (ROE) | 5.0772% | 3,636 |
| Retained earnings to average equity (ytd only) | 3.1562% | 2,952 |
| Net charge-offs to loans | 0.0866% | 6,256 |
| Credit loss provision to net charge-offs | 404.5872% | 779 |
| Earnings coverage of net charge-offs (x) | 22.4954% | 963 |
| Efficiency ratio | 70.7991% | 4,476 |
| Assets per employee ($millions) | 3.6368% | 4,679 |
| Cash dividends to net income (ytd only)* | 37.8359% | 3,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0042% | 6,353 |
| Loan loss allowance to noncurrent loans | 77.4232% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 0.8233% | 5,454 |
| Noncurrent loans to loans | 1.2971% | 4,762 |
| Net loans and leases to total assets | 50.5183% | 6,575 |
| Net loans and leases to deposits | 77.2037% | 4,527 |
| Net loans and leases to core deposits | 84.6929% | 5,657 |
| Total domestic deposits to total assets | 65.4350% | 7,661 |
| Equity capital to assets | 11.1270% | 2,602 |
| Core capital (leverage) ratio | 11.6661% | 1,835 |
| Tier 1 risk-based capital ratio | 24.6220% | 888 |
| Total risk-based capital ratio | 25.7274% | 878 |
| Memoranda: | ||
| Average total assets | $241,117,600 | 2,711 |
| Average earning assets | $229,284,800 | 2,605 |
| Average equity | $27,121,000 | 2,438 |
| Average total loans | $125,909,000 | 3,356 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4585% | 7,554 |
| Cost of funding earning assets | 1.2047% | 6,871 |
| Net interest margin | 3.2538% | 5,811 |
| Noninterest income to average assets | 0.4341% | 5,005 |
| Noninterest expense to average assets | 2.4782% | 6,149 |
| Loan and lease loss provision to assets | 0.1480% | 5,878 |
| Net operating income to assets | 0.6050% | 3,591 |
| Return on assets (ROA) | 0.6050% | 3,640 |
| Pretax return on assets | 0.8950% | 3,243 |
| Return on Equity (ROE) | 5.3637% | 3,803 |
| Retained earnings to average equity (ytd only) | 3.4322% | 3,376 |
| Net charge-offs to loans | 0.0702% | 5,988 |
| Credit loss provision to net charge-offs | 401.5152% | 986 |
| Earnings coverage of net charge-offs (x) | 28.2872% | 969 |
| Efficiency ratio | 70.3792% | 4,515 |
| Assets per employee ($millions) | 3.4086% | 5,150 |
| Cash dividends to net income (ytd only)* | 36.0114% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9133% | 6,701 |
| Loan loss allowance to noncurrent loans | 61.7238% | 4,261 |
| Noncurrent assets plus other real estate owned to assets | 0.9664% | 5,126 |
| Noncurrent loans to loans | 1.4796% | 4,453 |
| Net loans and leases to total assets | 53.1895% | 6,472 |
| Net loans and leases to deposits | 77.3371% | 4,841 |
| Net loans and leases to core deposits | 84.4853% | 6,004 |
| Total domestic deposits to total assets | 68.7761% | 7,508 |
| Equity capital to assets | 11.6618% | 2,463 |
| Core capital (leverage) ratio | 12.0362% | 1,788 |
| Tier 1 risk-based capital ratio | 25.0744% | 890 |
| Total risk-based capital ratio | 26.0894% | 892 |
| Memoranda: | ||
| Average total assets | $238,662,250 | 2,747 |
| Average earning assets | $226,435,750 | 2,654 |
| Average equity | $26,920,750 | 2,477 |
| Average total loans | $125,372,250 | 3,396 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4110% | 7,703 |
| Cost of funding earning assets | 1.2196% | 7,048 |
| Net interest margin | 3.1913% | 5,947 |
| Noninterest income to average assets | 0.4453% | 4,887 |
| Noninterest expense to average assets | 2.4810% | 6,176 |
| Loan and lease loss provision to assets | 0.1168% | 5,969 |
| Net operating income to assets | 0.5929% | 3,704 |
| Return on assets (ROA) | 0.5929% | 3,813 |
| Pretax return on assets | 0.8873% | 3,384 |
| Return on Equity (ROE) | 5.3156% | 3,953 |
| Retained earnings to average equity (ytd only) | 3.3718% | 3,444 |
| Net charge-offs to loans | 0.0959% | 5,211 |
| Credit loss provision to net charge-offs | 233.3333% | 1,984 |
| Earnings coverage of net charge-offs (x) | 20.0667% | 1,330 |
| Efficiency ratio | 71.1893% | 4,560 |
| Assets per employee ($millions) | 3.3714% | 5,132 |
| Cash dividends to net income (ytd only)* | 36.5682% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8316% | 7,048 |
| Loan loss allowance to noncurrent loans | 70.6284% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 0.7932% | 5,409 |
| Noncurrent loans to loans | 1.1774% | 4,863 |
| Net loans and leases to total assets | 52.2520% | 6,651 |
| Net loans and leases to deposits | 76.2348% | 5,134 |
| Net loans and leases to core deposits | 83.2295% | 6,143 |
| Total domestic deposits to total assets | 68.5409% | 7,583 |
| Equity capital to assets | 11.5553% | 2,501 |
| Core capital (leverage) ratio | 11.7601% | 1,948 |
| Tier 1 risk-based capital ratio | 25.2224% | 923 |
| Total risk-based capital ratio | 26.1459% | 935 |
| Memoranda: | ||
| Average total assets | $239,818,000 | 2,754 |
| Average earning assets | $228,430,000 | 2,649 |
| Average equity | $26,751,670 | 2,498 |
| Average total loans | $125,079,000 | 3,438 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4244% | 7,780 |
| Cost of funding earning assets | 1.2418% | 7,195 |
| Net interest margin | 3.1826% | 5,915 |
| Noninterest income to average assets | 0.4153% | 5,092 |
| Noninterest expense to average assets | 2.3994% | 6,195 |
| Loan and lease loss provision to assets | 0.1076% | 5,590 |
| Net operating income to assets | 0.6238% | 3,921 |
| Return on assets (ROA) | 0.6238% | 4,101 |
| Pretax return on assets | 0.9449% | 3,551 |
| Return on Equity (ROE) | 5.6922% | 4,173 |
| Retained earnings to average equity (ytd only) | 3.7294% | 3,828 |
| Net charge-offs to loans | 0.0351% | 5,024 |
| Credit loss provision to net charge-offs | 590.9091% | 962 |
| Earnings coverage of net charge-offs (x) | 57.8182% | 660 |
| Efficiency ratio | 69.5110% | 4,675 |
| Assets per employee ($millions) | 3.2931% | 5,333 |
| Cash dividends to net income (ytd only)* | 34.4828% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8059% | 7,136 |
| Loan loss allowance to noncurrent loans | 49.8763% | 5,204 |
| Noncurrent assets plus other real estate owned to assets | 1.0376% | 4,619 |
| Noncurrent loans to loans | 1.6159% | 3,852 |
| Net loans and leases to total assets | 53.0619% | 6,573 |
| Net loans and leases to deposits | 76.5638% | 5,138 |
| Net loans and leases to core deposits | 83.6907% | 6,084 |
| Total domestic deposits to total assets | 69.3041% | 7,485 |
| Equity capital to assets | 11.5034% | 2,585 |
| Core capital (leverage) ratio | 11.6414% | 2,075 |
| Tier 1 risk-based capital ratio | 24.6302% | 1,011 |
| Total risk-based capital ratio | 25.5156% | 1,029 |
| Memoranda: | ||
| Average total assets | $241,729,500 | 2,750 |
| Average earning assets | $230,630,500 | 2,640 |
| Average equity | $26,492,500 | 2,527 |
| Average total loans | $125,445,500 | 3,451 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9939% | 7,837 |
| Cost of funding earning assets | 1.7784% | 7,065 |
| Net interest margin | 3.2155% | 6,322 |
| Noninterest income to average assets | 0.4310% | 5,204 |
| Noninterest expense to average assets | 2.3095% | 6,669 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7632% | 3,603 |
| Return on assets (ROA) | 0.7632% | 3,447 |
| Pretax return on assets | 1.1596% | 2,812 |
| Return on Equity (ROE) | 6.9166% | 3,574 |
| Retained earnings to average equity (ytd only) | -0.2840% | 5,371 |
| Net charge-offs to loans | 0.0371% | 6,283 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 61.9348% | 650 |
| Efficiency ratio | 66.5728% | 5,009 |
| Assets per employee ($millions) | 3.4673% | 4,757 |
| Cash dividends to net income (ytd only)* | 104.1067% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7582% | 7,252 |
| Loan loss allowance to noncurrent loans | 69.8389% | 4,559 |
| Noncurrent assets plus other real estate owned to assets | 0.5472% | 5,536 |
| Noncurrent loans to loans | 1.0857% | 4,392 |
| Net loans and leases to total assets | 50.0162% | 7,033 |
| Net loans and leases to deposits | 81.1180% | 4,853 |
| Net loans and leases to core deposits | 88.3562% | 5,941 |
| Total domestic deposits to total assets | 61.6586% | 7,901 |
| Equity capital to assets | 10.4503% | 3,557 |
| Core capital (leverage) ratio | 11.7247% | 2,114 |
| Tier 1 risk-based capital ratio | 23.5895% | 1,131 |
| Total risk-based capital ratio | 24.3988% | 1,148 |
| Memoranda: | ||
| Average total assets | $245,681,800 | 2,597 |
| Average earning assets | $232,125,000 | 2,535 |
| Average equity | $27,108,800 | 2,468 |
| Average total loans | $124,098,200 | 3,376 |