Home > The Delaware National Bank of Delhi > Performance and Condition Ratios
The Delaware National Bank of Delhi, 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 | 3.8503% | 4,336 |
| Cost of funding earning assets | 1.5257% | 3,142 |
| Net interest margin | 2.3245% | 4,149 |
| Noninterest income to average assets | 0.4500% | 1,965 |
| Noninterest expense to average assets | 1.9695% | 3,613 |
| Loan and lease loss provision to assets | 0.0200% | 2,448 |
| Net operating income to assets | 0.5335% | 3,513 |
| Return on assets (ROA) | 0.5335% | 3,526 |
| Pretax return on assets | 0.6575% | 3,484 |
| Return on Equity (ROE) | 6.9400% | 3,139 |
| Retained earnings to average equity (ytd only) | 3.7520% | 2,915 |
| Net charge-offs to loans | 0.0217% | 1,560 |
| Credit loss provision to net charge-offs | 107.1429% | 1,221 |
| Earnings coverage of net charge-offs (x) | 45.3571% | 1,036 |
| Efficiency ratio | 74.5185% | 1,383 |
| Assets per employee ($millions) | 8.7791% | 1,188 |
| Cash dividends to net income (ytd only)* | 45.9245% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4940% | 4,258 |
| Loan loss allowance to noncurrent loans | 86.1953% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 0.3982% | 1,756 |
| Noncurrent loans to loans | 0.5731% | 1,705 |
| Net loans and leases to total assets | 66.7500% | 2,217 |
| Net loans and leases to deposits | 73.2518% | 2,621 |
| Net loans and leases to core deposits | 91.5999% | 1,941 |
| Total domestic deposits to total assets | 91.1300% | 484 |
| Equity capital to assets | 7.7216% | 3,747 |
| Core capital (leverage) ratio | 9.9099% | 2,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $377,158,500 | 2,146 |
| Average earning assets | $356,027,000 | 2,120 |
| Average equity | $28,998,000 | 2,476 |
| Average total loans | $258,252,000 | 2,070 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7459% | 4,368 |
| Cost of funding earning assets | 1.5201% | 3,318 |
| Net interest margin | 2.2257% | 4,142 |
| Noninterest income to average assets | 0.4400% | 2,226 |
| Noninterest expense to average assets | 1.9337% | 3,727 |
| Loan and lease loss provision to assets | 0.0200% | 2,766 |
| Net operating income to assets | 0.4749% | 3,536 |
| Return on assets (ROA) | 0.4745% | 3,553 |
| Pretax return on assets | 0.5904% | 3,480 |
| Return on Equity (ROE) | 6.1100% | 3,265 |
| Retained earnings to average equity (ytd only) | 0.1616% | 3,865 |
| Net charge-offs to loans | 0.0023% | 2,928 |
| Credit loss provision to net charge-offs | 1,000.0000% | 388 |
| Earnings coverage of net charge-offs (x) | 371.1667% | 326 |
| Efficiency ratio | 76.1000% | 1,357 |
| Assets per employee ($millions) | 8.3645% | 1,333 |
| Cash dividends to net income (ytd only)* | 97.3563% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4969% | 4,277 |
| Loan loss allowance to noncurrent loans | 99.0705% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 0.3652% | 1,825 |
| Noncurrent loans to loans | 0.5016% | 1,823 |
| Net loans and leases to total assets | 69.5800% | 1,953 |
| Net loans and leases to deposits | 76.3915% | 2,416 |
| Net loans and leases to core deposits | 91.5992% | 1,996 |
| Total domestic deposits to total assets | 91.0900% | 491 |
| Equity capital to assets | 7.6539% | 3,692 |
| Core capital (leverage) ratio | 10.3098% | 2,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $366,710,600 | 2,162 |
| Average earning assets | $345,368,600 | 2,129 |
| Average equity | $28,469,400 | 2,442 |
| Average total loans | $255,887,000 | 2,044 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7460% | 4,390 |
| Cost of funding earning assets | 1.5288% | 3,304 |
| Net interest margin | 2.2172% | 4,155 |
| Noninterest income to average assets | 0.4400% | 2,183 |
| Noninterest expense to average assets | 1.9444% | 3,691 |
| Loan and lease loss provision to assets | 0.0200% | 2,606 |
| Net operating income to assets | 0.4617% | 3,555 |
| Return on assets (ROA) | 0.4611% | 3,588 |
| Pretax return on assets | 0.5706% | 3,524 |
| Return on Equity (ROE) | 5.9200% | 3,332 |
| Retained earnings to average equity (ytd only) | -0.7333% | 4,109 |
| Net charge-offs to loans | 0.0026% | 2,660 |
| Credit loss provision to net charge-offs | 900.0000% | 424 |
| Earnings coverage of net charge-offs (x) | 323.0000% | 360 |
| Efficiency ratio | 76.7893% | 1,329 |
| Assets per employee ($millions) | 7.9917% | 1,518 |
| Cash dividends to net income (ytd only)* | 112.3915% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4909% | 4,316 |
| Loan loss allowance to noncurrent loans | 145.1206% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 0.2422% | 2,282 |
| Noncurrent loans to loans | 0.3383% | 2,258 |
| Net loans and leases to total assets | 71.2400% | 1,706 |
| Net loans and leases to deposits | 79.5848% | 2,226 |
| Net loans and leases to core deposits | 95.6706% | 1,778 |
| Total domestic deposits to total assets | 89.5200% | 737 |
| Equity capital to assets | 8.4232% | 3,449 |
| Core capital (leverage) ratio | 10.2493% | 2,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $366,379,250 | 2,152 |
| Average earning assets | $344,926,750 | 2,126 |
| Average equity | $28,544,500 | 2,441 |
| Average total loans | $255,515,250 | 2,034 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7199% | 4,400 |
| Cost of funding earning assets | 1.5131% | 3,257 |
| Net interest margin | 2.2068% | 4,161 |
| Noninterest income to average assets | 0.4400% | 2,147 |
| Noninterest expense to average assets | 1.9575% | 3,641 |
| Loan and lease loss provision to assets | 0.0200% | 2,508 |
| Net operating income to assets | 0.4436% | 3,578 |
| Return on assets (ROA) | 0.4427% | 3,615 |
| Pretax return on assets | 0.5420% | 3,556 |
| Return on Equity (ROE) | 5.8400% | 3,328 |
| Retained earnings to average equity (ytd only) | -4.3488% | 4,291 |
| Net charge-offs to loans | 0.0016% | 2,525 |
| Credit loss provision to net charge-offs | 1,500.0000% | 293 |
| Earnings coverage of net charge-offs (x) | 515.5000% | 237 |
| Efficiency ratio | 77.7754% | 1,311 |
| Assets per employee ($millions) | 8.4382% | 1,232 |
| Cash dividends to net income (ytd only)* | 174.5098% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4911% | 4,334 |
| Loan loss allowance to noncurrent loans | 140.8324% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 0.2450% | 2,200 |
| Noncurrent loans to loans | 0.3487% | 2,151 |
| Net loans and leases to total assets | 69.9200% | 1,910 |
| Net loans and leases to deposits | 76.7399% | 2,489 |
| Net loans and leases to core deposits | 92.9361% | 1,935 |
| Total domestic deposits to total assets | 91.1200% | 427 |
| Equity capital to assets | 7.6096% | 3,675 |
| Core capital (leverage) ratio | 10.0445% | 2,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $368,630,667 | 2,135 |
| Average earning assets | $347,108,333 | 2,116 |
| Average equity | $27,962,000 | 2,437 |
| Average total loans | $254,865,333 | 2,033 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 122,173.0000% | 12 |
| Cost of funding earning assets | 15.0000% | 24 |
| Net interest margin | 0.0000% | 4,533 |
| Noninterest income to average assets | 0.0000% | 4,505 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.0000% | 4,225 |
| Return on assets (ROA) | 0.4651% | 3,506 |
| Pretax return on assets | 0.5362% | 3,512 |
| Return on Equity (ROE) | 6.1400% | 3,180 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0226% | 1,392 |
| Credit loss provision to net charge-offs | 1.0000% | 1,573 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 0.0129% | 4,560 |
| Assets per employee ($millions) | 0.6189% | 4,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 8.0000% | 16 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 0.0000% | 4,458 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 280.0000% | 56 |
| Total domestic deposits to total assets | 60.0000% | 4,420 |
| Equity capital to assets | 513.0000% | 44 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $1,214,000 | 4,572 |
| Average earning assets | $867 | 4,571 |
| Average equity | $0 | 4,522 |
| Average total loans | $0 | 4,458 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4130% | 4,413 |
| Cost of funding earning assets | 1.0365% | 2,935 |
| Net interest margin | 2.3764% | 4,258 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 1.9226% | 3,770 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.5679% | 3,626 |
| Return on assets (ROA) | 0.5679% | 3,608 |
| Pretax return on assets | 0.7027% | 3,544 |
| Return on Equity (ROE) | 7.8600% | 3,217 |
| Retained earnings to average equity (ytd only) | 1.1987% | 3,905 |
| Net charge-offs to loans | -0.0021% | 3,579 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.7454% | 1,477 |
| Assets per employee ($millions) | 8.2312% | 1,240 |
| Cash dividends to net income (ytd only)* | 84.7489% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4802% | 4,362 |
| Loan loss allowance to noncurrent loans | 100.4975% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 0.3475% | 1,641 |
| Noncurrent loans to loans | 0.4778% | 1,629 |
| Net loans and leases to total assets | 67.8200% | 2,064 |
| Net loans and leases to deposits | 79.6709% | 2,077 |
| Net loans and leases to core deposits | 91.9122% | 1,802 |
| Total domestic deposits to total assets | 85.1300% | 2,460 |
| Equity capital to assets | 6.9954% | 3,611 |
| Core capital (leverage) ratio | 9.9422% | 2,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $378,709,250 | 2,083 |
| Average earning assets | $356,435,750 | 2,057 |
| Average equity | $27,362,250 | 2,386 |
| Average total loans | $249,658,750 | 2,002 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3273% | 4,447 |
| Cost of funding earning assets | 0.9038% | 2,915 |
| Net interest margin | 2.4234% | 4,284 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 1.9057% | 3,809 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.5977% | 3,575 |
| Return on assets (ROA) | 0.5977% | 3,582 |
| Pretax return on assets | 0.7492% | 3,504 |
| Return on Equity (ROE) | 8.1900% | 3,190 |
| Retained earnings to average equity (ytd only) | -1.6304% | 4,266 |
| Net charge-offs to loans | -0.0113% | 3,952 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.0794% | 1,660 |
| Assets per employee ($millions) | 7.7570% | 1,438 |
| Cash dividends to net income (ytd only)* | 119.9123% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4903% | 4,383 |
| Loan loss allowance to noncurrent loans | 129.7985% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 0.2750% | 1,828 |
| Noncurrent loans to loans | 0.3778% | 1,791 |
| Net loans and leases to total assets | 66.7100% | 2,084 |
| Net loans and leases to deposits | 73.6803% | 2,525 |
| Net loans and leases to core deposits | 86.6524% | 2,023 |
| Total domestic deposits to total assets | 90.5400% | 768 |
| Equity capital to assets | 7.2904% | 3,646 |
| Core capital (leverage) ratio | 9.7157% | 3,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $381,478,000 | 2,071 |
| Average earning assets | $359,574,333 | 2,046 |
| Average equity | $27,846,000 | 2,366 |
| Average total loans | $248,738,333 | 2,003 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1880% | 4,499 |
| Cost of funding earning assets | 0.7416% | 2,923 |
| Net interest margin | 2.4464% | 4,351 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 1.8982% | 3,851 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.6269% | 3,643 |
| Return on assets (ROA) | 0.6269% | 3,600 |
| Pretax return on assets | 0.7802% | 3,507 |
| Return on Equity (ROE) | 8.5800% | 3,161 |
| Retained earnings to average equity (ytd only) | -0.4256% | 4,076 |
| Net charge-offs to loans | -0.0258% | 4,172 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.0574% | 1,745 |
| Assets per employee ($millions) | 8.2405% | 1,232 |
| Cash dividends to net income (ytd only)* | 104.9587% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4831% | 4,446 |
| Loan loss allowance to noncurrent loans | 104.5139% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 0.2912% | 1,699 |
| Noncurrent loans to loans | 0.4622% | 1,561 |
| Net loans and leases to total assets | 62.7100% | 2,384 |
| Net loans and leases to deposits | 68.3633% | 2,741 |
| Net loans and leases to core deposits | 78.2909% | 2,371 |
| Total domestic deposits to total assets | 91.7200% | 587 |
| Equity capital to assets | 7.2510% | 3,701 |
| Core capital (leverage) ratio | 9.5543% | 3,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $386,048,500 | 2,080 |
| Average earning assets | $364,618,000 | 2,054 |
| Average equity | $28,196,500 | 2,377 |
| Average total loans | $248,297,000 | 2,034 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7664% | 4,355 |
| Cost of funding earning assets | 0.3699% | 2,331 |
| Net interest margin | 2.3965% | 4,365 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 1.7407% | 4,102 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.6736% | 3,692 |
| Return on assets (ROA) | 0.6736% | 3,644 |
| Pretax return on assets | 0.8526% | 3,483 |
| Return on Equity (ROE) | 8.8300% | 3,172 |
| Retained earnings to average equity (ytd only) | 8.8273% | 1,531 |
| Net charge-offs to loans | -0.0097% | 3,819 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.3268% | 2,179 |
| Assets per employee ($millions) | 7.8509% | 1,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4685% | 4,465 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 0.3208% | 1,575 |
| Noncurrent loans to loans | 0.4685% | 1,531 |
| Net loans and leases to total assets | 65.3300% | 2,107 |
| Net loans and leases to deposits | 71.4447% | 2,453 |
| Net loans and leases to core deposits | 79.3088% | 2,176 |
| Total domestic deposits to total assets | 91.4500% | 793 |
| Equity capital to assets | 7.3537% | 3,462 |
| Core capital (leverage) ratio | 9.9387% | 2,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $384,959,600 | 2,083 |
| Average earning assets | $363,905,800 | 2,052 |
| Average equity | $29,374,800 | 2,362 |
| Average total loans | $238,303,200 | 2,012 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6731% | 4,310 |
| Cost of funding earning assets | 0.3291% | 1,871 |
| Net interest margin | 2.3440% | 4,378 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 1.7154% | 4,122 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.6615% | 3,660 |
| Return on assets (ROA) | 0.6615% | 3,624 |
| Pretax return on assets | 0.8369% | 3,498 |
| Return on Equity (ROE) | 8.5900% | 3,146 |
| Retained earnings to average equity (ytd only) | 8.5931% | 1,789 |
| Net charge-offs to loans | -0.0023% | 3,289 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.4044% | 2,226 |
| Assets per employee ($millions) | 8.3092% | 1,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4483% | 4,514 |
| Loan loss allowance to noncurrent loans | 116.5792% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 0.2493% | 1,976 |
| Noncurrent loans to loans | 0.3846% | 1,855 |
| Net loans and leases to total assets | 64.5400% | 2,032 |
| Net loans and leases to deposits | 70.7493% | 2,304 |
| Net loans and leases to core deposits | 77.1086% | 2,103 |
| Total domestic deposits to total assets | 91.2300% | 1,144 |
| Equity capital to assets | 6.8392% | 3,593 |
| Core capital (leverage) ratio | 9.3135% | 3,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $386,989,000 | 2,092 |
| Average earning assets | $366,251,750 | 2,061 |
| Average equity | $29,790,500 | 2,378 |
| Average total loans | $236,038,250 | 2,021 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5989% | 4,273 |
| Cost of funding earning assets | 0.2990% | 1,722 |
| Net interest margin | 2.2999% | 4,333 |
| Noninterest income to average assets | 0.3577% | 3,004 |
| Noninterest expense to average assets | 1.7088% | 4,132 |
| Loan and lease loss provision to assets | 0.0309% | 2,035 |
| Net operating income to assets | 0.6362% | 3,524 |
| Return on assets (ROA) | 0.6362% | 3,473 |
| Pretax return on assets | 0.7998% | 3,328 |
| Return on Equity (ROE) | 7.9724% | 3,023 |
| Retained earnings to average equity (ytd only) | 7.9724% | 1,630 |
| Net charge-offs to loans | -0.0017% | 3,106 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2882% | 2,344 |
| Assets per employee ($millions) | 8.1499% | 1,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4430% | 4,595 |
| Loan loss allowance to noncurrent loans | 119.3798% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 0.2308% | 2,164 |
| Noncurrent loans to loans | 0.3711% | 2,033 |
| Net loans and leases to total assets | 61.9316% | 2,130 |
| Net loans and leases to deposits | 68.1663% | 2,381 |
| Net loans and leases to core deposits | 74.5063% | 2,127 |
| Total domestic deposits to total assets | 90.8536% | 1,306 |
| Equity capital to assets | 7.1154% | 3,710 |
| Core capital (leverage) ratio | 9.1266% | 3,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $388,578,000 | 2,099 |
| Average earning assets | $368,622,333 | 2,068 |
| Average equity | $31,007,000 | 2,372 |
| Average total loans | $232,113,333 | 2,040 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5892% | 4,138 |
| Cost of funding earning assets | 0.2804% | 1,814 |
| Net interest margin | 2.3088% | 4,224 |
| Noninterest income to average assets | 0.3594% | 2,937 |
| Noninterest expense to average assets | 1.7332% | 4,086 |
| Loan and lease loss provision to assets | 0.0310% | 1,810 |
| Net operating income to assets | 0.6301% | 3,300 |
| Return on assets (ROA) | 0.6301% | 3,280 |
| Pretax return on assets | 0.7891% | 3,141 |
| Return on Equity (ROE) | 7.4863% | 2,873 |
| Retained earnings to average equity (ytd only) | 7.4863% | 1,734 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8803% | 2,524 |
| Assets per employee ($millions) | 8.4846% | 1,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4511% | 4,620 |
| Loan loss allowance to noncurrent loans | 111.3951% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 0.2406% | 2,192 |
| Noncurrent loans to loans | 0.4050% | 2,047 |
| Net loans and leases to total assets | 59.1389% | 2,173 |
| Net loans and leases to deposits | 64.9126% | 2,442 |
| Net loans and leases to core deposits | 71.7097% | 2,139 |
| Total domestic deposits to total assets | 91.1054% | 980 |
| Equity capital to assets | 7.8933% | 3,652 |
| Core capital (leverage) ratio | 9.1222% | 3,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $387,270,500 | 2,107 |
| Average earning assets | $367,984,500 | 2,085 |
| Average equity | $32,593,000 | 2,352 |
| Average total loans | $226,495,000 | 2,070 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6219% | 4,389 |
| Cost of funding earning assets | 0.3150% | 2,254 |
| Net interest margin | 2.3069% | 4,405 |
| Noninterest income to average assets | 0.3808% | 3,159 |
| Noninterest expense to average assets | 1.7904% | 4,164 |
| Loan and lease loss provision to assets | 0.0976% | 1,273 |
| Net operating income to assets | 0.5627% | 3,954 |
| Return on assets (ROA) | 0.5627% | 4,001 |
| Pretax return on assets | 0.6942% | 3,936 |
| Return on Equity (ROE) | 6.0578% | 3,763 |
| Retained earnings to average equity (ytd only) | 5.8331% | 2,429 |
| Net charge-offs to loans | -0.0100% | 3,742 |
| Credit loss provision to net charge-offs | -1,714.2857% | 4,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3366% | 1,816 |
| Assets per employee ($millions) | 8.1755% | 1,231 |
| Cash dividends to net income (ytd only)* | 3.7091% | 3,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4595% | 4,652 |
| Loan loss allowance to noncurrent loans | 109.6009% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 0.2413% | 2,353 |
| Noncurrent loans to loans | 0.4192% | 2,097 |
| Net loans and leases to total assets | 57.2841% | 2,446 |
| Net loans and leases to deposits | 63.6454% | 2,717 |
| Net loans and leases to core deposits | 70.1598% | 2,430 |
| Total domestic deposits to total assets | 90.0052% | 956 |
| Equity capital to assets | 8.9471% | 3,678 |
| Core capital (leverage) ratio | 9.2725% | 3,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $368,917,000 | 2,112 |
| Average earning assets | $352,035,200 | 2,074 |
| Average equity | $34,270,000 | 2,323 |
| Average total loans | $210,334,000 | 2,174 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6486% | 4,459 |
| Cost of funding earning assets | 0.3214% | 2,393 |
| Net interest margin | 2.3272% | 4,465 |
| Noninterest income to average assets | 0.3868% | 3,171 |
| Noninterest expense to average assets | 1.7990% | 4,173 |
| Loan and lease loss provision to assets | 0.0986% | 1,211 |
| Net operating income to assets | 0.5803% | 4,042 |
| Return on assets (ROA) | 0.5803% | 4,087 |
| Pretax return on assets | 0.7103% | 4,049 |
| Return on Equity (ROE) | 6.1870% | 3,870 |
| Retained earnings to average equity (ytd only) | 5.8872% | 2,879 |
| Net charge-offs to loans | -0.0205% | 3,975 |
| Credit loss provision to net charge-offs | -843.7500% | 3,808 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9819% | 1,706 |
| Assets per employee ($millions) | 7.6905% | 1,455 |
| Cash dividends to net income (ytd only)* | 4.8458% | 3,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4355% | 4,751 |
| Loan loss allowance to noncurrent loans | 84.1869% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 0.2954% | 2,296 |
| Noncurrent loans to loans | 0.5172% | 2,009 |
| Net loans and leases to total assets | 56.8525% | 2,632 |
| Net loans and leases to deposits | 63.3629% | 2,917 |
| Net loans and leases to core deposits | 68.8622% | 2,699 |
| Total domestic deposits to total assets | 89.7252% | 906 |
| Equity capital to assets | 9.2072% | 3,646 |
| Core capital (leverage) ratio | 9.3727% | 3,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $365,084,250 | 2,145 |
| Average earning assets | $348,452,000 | 2,106 |
| Average equity | $34,242,750 | 2,353 |
| Average total loans | $207,635,250 | 2,217 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6852% | 4,473 |
| Cost of funding earning assets | 0.3276% | 2,521 |
| Net interest margin | 2.3576% | 4,460 |
| Noninterest income to average assets | 0.3849% | 3,193 |
| Noninterest expense to average assets | 1.7986% | 4,184 |
| Loan and lease loss provision to assets | 0.0997% | 1,272 |
| Net operating income to assets | 0.6091% | 3,963 |
| Return on assets (ROA) | 0.6091% | 4,020 |
| Pretax return on assets | 0.7382% | 3,991 |
| Return on Equity (ROE) | 6.4532% | 3,798 |
| Retained earnings to average equity (ytd only) | 6.0015% | 2,803 |
| Net charge-offs to loans | -0.0283% | 4,136 |
| Credit loss provision to net charge-offs | -620.6897% | 3,535 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2210% | 1,854 |
| Assets per employee ($millions) | 7.6932% | 1,367 |
| Cash dividends to net income (ytd only)* | 7.0000% | 2,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3998% | 4,796 |
| Loan loss allowance to noncurrent loans | 73.6475% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 0.3103% | 2,366 |
| Noncurrent loans to loans | 0.5429% | 2,044 |
| Net loans and leases to total assets | 56.9391% | 2,788 |
| Net loans and leases to deposits | 63.5221% | 3,050 |
| Net loans and leases to core deposits | 70.7415% | 2,708 |
| Total domestic deposits to total assets | 89.6367% | 954 |
| Equity capital to assets | 9.2866% | 3,520 |
| Core capital (leverage) ratio | 9.3243% | 3,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $361,167,333 | 2,156 |
| Average earning assets | $344,922,333 | 2,115 |
| Average equity | $34,091,667 | 2,353 |
| Average total loans | $205,121,333 | 2,241 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7024% | 4,475 |
| Cost of funding earning assets | 0.3368% | 2,651 |
| Net interest margin | 2.3656% | 4,452 |
| Noninterest income to average assets | 0.3876% | 3,164 |
| Noninterest expense to average assets | 1.7955% | 4,227 |
| Loan and lease loss provision to assets | 0.1008% | 1,337 |
| Net operating income to assets | 0.5992% | 3,946 |
| Return on assets (ROA) | 0.5992% | 4,009 |
| Pretax return on assets | 0.7493% | 3,915 |
| Return on Equity (ROE) | 6.2958% | 3,772 |
| Retained earnings to average equity (ytd only) | 6.2958% | 2,796 |
| Net charge-offs to loans | -0.0099% | 3,660 |
| Credit loss provision to net charge-offs | -1,800.0000% | 3,525 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8662% | 1,950 |
| Assets per employee ($millions) | 7.3048% | 1,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3608% | 4,847 |
| Loan loss allowance to noncurrent loans | 58.9185% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 0.3326% | 2,472 |
| Noncurrent loans to loans | 0.6124% | 2,039 |
| Net loans and leases to total assets | 54.1067% | 3,231 |
| Net loans and leases to deposits | 60.1773% | 3,466 |
| Net loans and leases to core deposits | 68.2061% | 3,045 |
| Total domestic deposits to total assets | 89.9121% | 863 |
| Equity capital to assets | 9.0515% | 3,629 |
| Core capital (leverage) ratio | 9.4325% | 3,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $357,113,500 | 2,150 |
| Average earning assets | $340,887,500 | 2,121 |
| Average equity | $33,991,000 | 2,348 |
| Average total loans | $202,129,000 | 2,270 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2393% | 4,409 |
| Cost of funding earning assets | 0.4876% | 3,029 |
| Net interest margin | 2.7517% | 4,322 |
| Noninterest income to average assets | 0.4256% | 2,989 |
| Noninterest expense to average assets | 2.0888% | 3,956 |
| Loan and lease loss provision to assets | 0.0872% | 3,275 |
| Net operating income to assets | 0.6926% | 3,456 |
| Return on assets (ROA) | 0.6926% | 3,593 |
| Pretax return on assets | 0.8643% | 3,463 |
| Return on Equity (ROE) | 6.7113% | 3,319 |
| Retained earnings to average equity (ytd only) | 5.6667% | 1,960 |
| Net charge-offs to loans | 0.0645% | 1,854 |
| Credit loss provision to net charge-offs | 227.6423% | 2,034 |
| Earnings coverage of net charge-offs (x) | 24.8293% | 1,761 |
| Efficiency ratio | 68.7026% | 2,140 |
| Assets per employee ($millions) | 6.5708% | 1,874 |
| Cash dividends to net income (ytd only)* | 15.5646% | 3,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3144% | 4,894 |
| Loan loss allowance to noncurrent loans | 52.6534% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 0.3530% | 2,570 |
| Noncurrent loans to loans | 0.5972% | 2,203 |
| Net loans and leases to total assets | 58.9206% | 2,992 |
| Net loans and leases to deposits | 66.3496% | 3,236 |
| Net loans and leases to core deposits | 73.4940% | 2,955 |
| Total domestic deposits to total assets | 88.8033% | 1,070 |
| Equity capital to assets | 10.0272% | 3,110 |
| Core capital (leverage) ratio | 9.8173% | 2,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $320,942,200 | 2,189 |
| Average earning assets | $304,976,400 | 2,145 |
| Average equity | $33,123,400 | 2,332 |
| Average total loans | $190,710,200 | 2,320 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3255% | 4,442 |
| Cost of funding earning assets | 0.5157% | 3,133 |
| Net interest margin | 2.8098% | 4,329 |
| Noninterest income to average assets | 0.4142% | 3,009 |
| Noninterest expense to average assets | 2.1142% | 3,908 |
| Loan and lease loss provision to assets | 0.0801% | 3,309 |
| Net operating income to assets | 0.7183% | 3,398 |
| Return on assets (ROA) | 0.7183% | 3,500 |
| Pretax return on assets | 0.8884% | 3,410 |
| Return on Equity (ROE) | 6.9062% | 3,232 |
| Retained earnings to average equity (ytd only) | 5.6557% | 2,259 |
| Net charge-offs to loans | 0.1057% | 1,269 |
| Credit loss provision to net charge-offs | 127.5168% | 2,458 |
| Earnings coverage of net charge-offs (x) | 15.3960% | 2,102 |
| Efficiency ratio | 68.5796% | 2,098 |
| Assets per employee ($millions) | 6.6003% | 1,756 |
| Cash dividends to net income (ytd only)* | 18.1070% | 2,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2621% | 4,947 |
| Loan loss allowance to noncurrent loans | 53.7267% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 0.3078% | 2,928 |
| Noncurrent loans to loans | 0.4878% | 2,601 |
| Net loans and leases to total assets | 58.6772% | 3,355 |
| Net loans and leases to deposits | 66.1193% | 3,610 |
| Net loans and leases to core deposits | 73.5555% | 3,352 |
| Total domestic deposits to total assets | 88.7443% | 879 |
| Equity capital to assets | 10.0718% | 3,163 |
| Core capital (leverage) ratio | 9.9921% | 2,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $315,757,750 | 2,192 |
| Average earning assets | $299,900,000 | 2,154 |
| Average equity | $32,839,000 | 2,332 |
| Average total loans | $187,899,000 | 2,350 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6394% | 4,195 |
| Cost of funding earning assets | 0.5496% | 3,238 |
| Net interest margin | 3.0898% | 3,921 |
| Noninterest income to average assets | 0.2001% | 4,273 |
| Noninterest expense to average assets | 2.2001% | 3,786 |
| Loan and lease loss provision to assets | 0.0648% | 3,482 |
| Net operating income to assets | 0.7059% | 3,378 |
| Return on assets (ROA) | 0.7059% | 3,482 |
| Pretax return on assets | 0.8666% | 3,409 |
| Return on Equity (ROE) | 6.7109% | 3,246 |
| Retained earnings to average equity (ytd only) | 5.0486% | 2,452 |
| Net charge-offs to loans | 0.0976% | 1,295 |
| Credit loss provision to net charge-offs | 111.1111% | 2,332 |
| Earnings coverage of net charge-offs (x) | 15.9778% | 1,880 |
| Efficiency ratio | 70.2585% | 1,922 |
| Assets per employee ($millions) | 6.6874% | 1,647 |
| Cash dividends to net income (ytd only)* | 24.7706% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2540% | 4,975 |
| Loan loss allowance to noncurrent loans | 46.0227% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 0.3436% | 2,923 |
| Noncurrent loans to loans | 0.5520% | 2,514 |
| Net loans and leases to total assets | 58.2340% | 3,493 |
| Net loans and leases to deposits | 65.7172% | 3,750 |
| Net loans and leases to core deposits | 73.4042% | 3,497 |
| Total domestic deposits to total assets | 88.6131% | 902 |
| Equity capital to assets | 10.1647% | 3,050 |
| Core capital (leverage) ratio | 10.2304% | 2,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $308,806,000 | 2,201 |
| Average earning assets | $292,963,333 | 2,169 |
| Average equity | $32,484,333 | 2,340 |
| Average total loans | $184,520,667 | 2,362 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5781% | 4,550 |
| Cost of funding earning assets | 0.6039% | 3,412 |
| Net interest margin | 2.9742% | 4,325 |
| Noninterest income to average assets | 0.4543% | 2,767 |
| Noninterest expense to average assets | 2.2260% | 3,944 |
| Loan and lease loss provision to assets | 0.0468% | 3,194 |
| Net operating income to assets | 0.8084% | 2,880 |
| Return on assets (ROA) | 0.8084% | 2,964 |
| Pretax return on assets | 0.9981% | 2,845 |
| Return on Equity (ROE) | 7.5454% | 2,717 |
| Retained earnings to average equity (ytd only) | 7.0715% | 1,511 |
| Net charge-offs to loans | 0.0287% | 1,805 |
| Credit loss provision to net charge-offs | 269.2308% | 1,248 |
| Earnings coverage of net charge-offs (x) | 60.1538% | 804 |
| Efficiency ratio | 68.0556% | 2,655 |
| Assets per employee ($millions) | 5.9262% | 1,737 |
| Cash dividends to net income (ytd only)* | 6.2810% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2758% | 5,008 |
| Loan loss allowance to noncurrent loans | 39.0282% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 0.4265% | 2,767 |
| Noncurrent loans to loans | 0.7066% | 2,236 |
| Net loans and leases to total assets | 59.5808% | 3,539 |
| Net loans and leases to deposits | 67.7803% | 3,740 |
| Net loans and leases to core deposits | 79.1743% | 3,274 |
| Total domestic deposits to total assets | 87.9028% | 1,147 |
| Equity capital to assets | 10.8426% | 2,996 |
| Core capital (leverage) ratio | 10.6442% | 2,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $299,367,500 | 2,212 |
| Average earning assets | $283,502,500 | 2,178 |
| Average equity | $32,072,500 | 2,352 |
| Average total loans | $181,126,500 | 2,346 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6720% | 4,708 |
| Cost of funding earning assets | 0.6147% | 3,579 |
| Net interest margin | 3.0573% | 4,437 |
| Noninterest income to average assets | 0.4396% | 3,058 |
| Noninterest expense to average assets | 2.1840% | 4,189 |
| Loan and lease loss provision to assets | 0.0198% | 3,625 |
| Net operating income to assets | 0.9062% | 3,186 |
| Return on assets (ROA) | 0.9062% | 3,277 |
| Pretax return on assets | 1.1192% | 3,109 |
| Return on Equity (ROE) | 9.1747% | 2,679 |
| Retained earnings to average equity (ytd only) | 6.9912% | 1,393 |
| Net charge-offs to loans | 0.0482% | 2,429 |
| Credit loss provision to net charge-offs | 69.7674% | 2,914 |
| Earnings coverage of net charge-offs (x) | 40.1628% | 1,313 |
| Efficiency ratio | 65.7239% | 2,815 |
| Assets per employee ($millions) | 5.8137% | 1,782 |
| Cash dividends to net income (ytd only)* | 23.7991% | 3,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2625% | 5,065 |
| Loan loss allowance to noncurrent loans | 41.3703% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 0.4007% | 2,796 |
| Noncurrent loans to loans | 0.6346% | 2,299 |
| Net loans and leases to total assets | 61.1143% | 3,491 |
| Net loans and leases to deposits | 71.4437% | 3,554 |
| Net loans and leases to core deposits | 80.1883% | 3,280 |
| Total domestic deposits to total assets | 85.5420% | 2,268 |
| Equity capital to assets | 10.5818% | 3,363 |
| Core capital (leverage) ratio | 10.4792% | 2,973 |
| Tier 1 risk-based capital ratio | 28.1909% | 548 |
| Total risk-based capital ratio | 28.6769% | 579 |
| Memoranda: | ||
| Average total assets | $303,256,600 | 2,150 |
| Average earning assets | $286,005,000 | 2,111 |
| Average equity | $29,952,000 | 2,394 |
| Average total loans | $178,421,800 | 2,334 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6479% | 4,839 |
| Cost of funding earning assets | 0.6124% | 3,634 |
| Net interest margin | 3.0355% | 4,577 |
| Noninterest income to average assets | 0.4429% | 3,062 |
| Noninterest expense to average assets | 2.1372% | 4,298 |
| Loan and lease loss provision to assets | 0.0175% | 3,563 |
| Net operating income to assets | 0.9260% | 3,251 |
| Return on assets (ROA) | 0.9260% | 3,323 |
| Pretax return on assets | 1.1490% | 3,137 |
| Return on Equity (ROE) | 9.5415% | 2,652 |
| Retained earnings to average equity (ytd only) | 7.2890% | 1,720 |
| Net charge-offs to loans | 0.0608% | 1,946 |
| Credit loss provision to net charge-offs | 49.3827% | 2,797 |
| Earnings coverage of net charge-offs (x) | 32.9374% | 1,541 |
| Efficiency ratio | 64.6903% | 2,912 |
| Assets per employee ($millions) | 6.2206% | 1,449 |
| Cash dividends to net income (ytd only)* | 23.6072% | 2,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2563% | 5,143 |
| Loan loss allowance to noncurrent loans | 35.9594% | 4,413 |
| Noncurrent assets plus other real estate owned to assets | 0.4340% | 2,784 |
| Noncurrent loans to loans | 0.7128% | 2,183 |
| Net loans and leases to total assets | 58.8529% | 3,790 |
| Net loans and leases to deposits | 66.5045% | 4,026 |
| Net loans and leases to core deposits | 75.6907% | 3,715 |
| Total domestic deposits to total assets | 88.4945% | 830 |
| Equity capital to assets | 10.1840% | 3,839 |
| Core capital (leverage) ratio | 10.1564% | 3,467 |
| Tier 1 risk-based capital ratio | 28.0418% | 577 |
| Total risk-based capital ratio | 28.5090% | 607 |
| Memoranda: | ||
| Average total assets | $304,945,750 | 2,151 |
| Average earning assets | $287,388,250 | 2,114 |
| Average equity | $29,596,250 | 2,431 |
| Average total loans | $177,607,000 | 2,367 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6033% | 4,928 |
| Cost of funding earning assets | 0.6073% | 3,611 |
| Net interest margin | 2.9961% | 4,701 |
| Noninterest income to average assets | 0.4256% | 3,097 |
| Noninterest expense to average assets | 2.1161% | 4,385 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9154% | 3,223 |
| Return on assets (ROA) | 0.9154% | 3,284 |
| Pretax return on assets | 1.1404% | 3,117 |
| Return on Equity (ROE) | 9.5898% | 2,596 |
| Retained earnings to average equity (ytd only) | 7.7350% | 1,503 |
| Net charge-offs to loans | 0.0226% | 2,397 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 86.9500% | 768 |
| Efficiency ratio | 64.9819% | 2,982 |
| Assets per employee ($millions) | 6.0237% | 1,526 |
| Cash dividends to net income (ytd only)* | 19.3410% | 3,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2704% | 5,195 |
| Loan loss allowance to noncurrent loans | 31.6929% | 4,529 |
| Noncurrent assets plus other real estate owned to assets | 0.4961% | 2,563 |
| Noncurrent loans to loans | 0.8533% | 1,895 |
| Net loans and leases to total assets | 57.9818% | 3,917 |
| Net loans and leases to deposits | 65.2677% | 4,143 |
| Net loans and leases to core deposits | 74.5765% | 3,854 |
| Total domestic deposits to total assets | 88.8370% | 732 |
| Equity capital to assets | 9.9157% | 4,046 |
| Core capital (leverage) ratio | 9.8499% | 3,759 |
| Tier 1 risk-based capital ratio | 27.3633% | 600 |
| Total risk-based capital ratio | 27.8446% | 644 |
| Memoranda: | ||
| Average total assets | $304,990,670 | 2,160 |
| Average earning assets | $288,177,670 | 2,108 |
| Average equity | $29,114,330 | 2,447 |
| Average total loans | $176,859,000 | 2,383 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5176% | 5,034 |
| Cost of funding earning assets | 0.5828% | 3,666 |
| Net interest margin | 2.9348% | 4,844 |
| Noninterest income to average assets | 0.3975% | 3,196 |
| Noninterest expense to average assets | 2.1403% | 4,396 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8424% | 3,476 |
| Return on assets (ROA) | 0.8424% | 3,518 |
| Pretax return on assets | 1.0280% | 3,356 |
| Return on Equity (ROE) | 9.0012% | 2,813 |
| Retained earnings to average equity (ytd only) | 6.8353% | 2,104 |
| Net charge-offs to loans | 0.0295% | 1,868 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 60.0769% | 914 |
| Efficiency ratio | 67.5530% | 2,702 |
| Assets per employee ($millions) | 6.1245% | 1,451 |
| Cash dividends to net income (ytd only)* | 24.0625% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2757% | 5,255 |
| Loan loss allowance to noncurrent loans | 22.7378% | 4,710 |
| Noncurrent assets plus other real estate owned to assets | 0.7034% | 2,001 |
| Noncurrent loans to loans | 1.2126% | 1,357 |
| Net loans and leases to total assets | 56.7380% | 4,000 |
| Net loans and leases to deposits | 63.3784% | 4,225 |
| Net loans and leases to core deposits | 73.0482% | 3,862 |
| Total domestic deposits to total assets | 89.5226% | 632 |
| Equity capital to assets | 9.2563% | 4,471 |
| Core capital (leverage) ratio | 9.8230% | 3,792 |
| Tier 1 risk-based capital ratio | 26.7961% | 630 |
| Total risk-based capital ratio | 27.2840% | 669 |
| Memoranda: | ||
| Average total assets | $303,881,000 | 2,182 |
| Average earning assets | $286,899,500 | 2,135 |
| Average equity | $28,440,500 | 2,489 |
| Average total loans | $175,984,000 | 2,411 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3135% | 5,074 |
| Cost of funding earning assets | 0.4630% | 3,592 |
| Net interest margin | 2.8506% | 4,971 |
| Noninterest income to average assets | 0.4550% | 3,080 |
| Noninterest expense to average assets | 2.1867% | 4,370 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7923% | 3,831 |
| Return on assets (ROA) | 0.8012% | 3,802 |
| Pretax return on assets | 0.9658% | 3,711 |
| Return on Equity (ROE) | 9.0046% | 2,992 |
| Retained earnings to average equity (ytd only) | 5.3165% | 2,588 |
| Net charge-offs to loans | 0.0305% | 2,788 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 54.9623% | 1,079 |
| Efficiency ratio | 69.6024% | 2,264 |
| Assets per employee ($millions) | 5.9083% | 1,587 |
| Cash dividends to net income (ytd only)* | 40.9574% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2881% | 5,288 |
| Loan loss allowance to noncurrent loans | 31.4143% | 4,619 |
| Noncurrent assets plus other real estate owned to assets | 0.5883% | 2,269 |
| Noncurrent loans to loans | 0.9170% | 1,747 |
| Net loans and leases to total assets | 58.8178% | 3,892 |
| Net loans and leases to deposits | 65.9551% | 4,122 |
| Net loans and leases to core deposits | 71.8861% | 3,993 |
| Total domestic deposits to total assets | 89.1786% | 788 |
| Equity capital to assets | 9.4677% | 4,156 |
| Core capital (leverage) ratio | 9.8461% | 3,752 |
| Tier 1 risk-based capital ratio | 27.1910% | 604 |
| Total risk-based capital ratio | 27.7008% | 634 |
| Memoranda: | ||
| Average total assets | $305,030,400 | 2,127 |
| Average earning assets | $287,486,800 | 2,090 |
| Average equity | $27,141,800 | 2,508 |
| Average total loans | $173,966,600 | 2,395 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2739% | 5,142 |
| Cost of funding earning assets | 0.4463% | 3,546 |
| Net interest margin | 2.8276% | 5,056 |
| Noninterest income to average assets | 0.4480% | 3,183 |
| Noninterest expense to average assets | 2.1003% | 4,553 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8246% | 3,825 |
| Return on assets (ROA) | 0.8361% | 3,800 |
| Pretax return on assets | 1.0270% | 3,642 |
| Return on Equity (ROE) | 9.5437% | 2,821 |
| Retained earnings to average equity (ytd only) | 4.9699% | 3,254 |
| Net charge-offs to loans | 0.0445% | 2,210 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 40.2594% | 1,351 |
| Efficiency ratio | 67.4700% | 2,634 |
| Assets per employee ($millions) | 5.9107% | 1,560 |
| Cash dividends to net income (ytd only)* | 47.9254% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2831% | 5,363 |
| Loan loss allowance to noncurrent loans | 36.4370% | 4,638 |
| Noncurrent assets plus other real estate owned to assets | 0.5089% | 2,681 |
| Noncurrent loans to loans | 0.7769% | 2,148 |
| Net loans and leases to total assets | 59.2370% | 3,929 |
| Net loans and leases to deposits | 67.9018% | 4,066 |
| Net loans and leases to core deposits | 71.2611% | 4,119 |
| Total domestic deposits to total assets | 87.2393% | 1,626 |
| Equity capital to assets | 9.1357% | 4,434 |
| Core capital (leverage) ratio | 9.5294% | 4,139 |
| Tier 1 risk-based capital ratio | 27.1947% | 616 |
| Total risk-based capital ratio | 27.7076% | 643 |
| Memoranda: | ||
| Average total assets | $307,434,500 | 2,116 |
| Average earning assets | $289,756,750 | 2,090 |
| Average equity | $26,935,000 | 2,527 |
| Average total loans | $173,893,750 | 2,400 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2056% | 5,219 |
| Cost of funding earning assets | 0.4234% | 3,549 |
| Net interest margin | 2.7822% | 5,139 |
| Noninterest income to average assets | 0.4438% | 3,195 |
| Noninterest expense to average assets | 2.0745% | 4,668 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8119% | 3,819 |
| Return on assets (ROA) | 0.8208% | 3,793 |
| Pretax return on assets | 1.0051% | 3,645 |
| Return on Equity (ROE) | 9.4970% | 2,805 |
| Retained earnings to average equity (ytd only) | 3.2028% | 3,966 |
| Net charge-offs to loans | 0.0404% | 2,052 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 44.2286% | 1,219 |
| Efficiency ratio | 67.6015% | 2,709 |
| Assets per employee ($millions) | 6.1225% | 1,386 |
| Cash dividends to net income (ytd only)* | 66.2754% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2959% | 5,419 |
| Loan loss allowance to noncurrent loans | 45.7018% | 4,494 |
| Noncurrent assets plus other real estate owned to assets | 0.3861% | 3,205 |
| Noncurrent loans to loans | 0.6475% | 2,495 |
| Net loans and leases to total assets | 57.3468% | 4,053 |
| Net loans and leases to deposits | 67.0731% | 4,095 |
| Net loans and leases to core deposits | 71.3395% | 4,060 |
| Total domestic deposits to total assets | 85.4991% | 2,496 |
| Equity capital to assets | 8.7650% | 4,749 |
| Core capital (leverage) ratio | 9.0438% | 4,653 |
| Tier 1 risk-based capital ratio | 26.4147% | 642 |
| Total risk-based capital ratio | 26.9456% | 671 |
| Memoranda: | ||
| Average total assets | $311,401,670 | 2,113 |
| Average earning assets | $293,797,000 | 2,078 |
| Average equity | $26,913,670 | 2,536 |
| Average total loans | $173,337,670 | 2,415 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1525% | 5,273 |
| Cost of funding earning assets | 0.3735% | 3,790 |
| Net interest margin | 2.7790% | 5,176 |
| Noninterest income to average assets | 0.4165% | 3,342 |
| Noninterest expense to average assets | 2.0036% | 4,840 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8448% | 3,527 |
| Return on assets (ROA) | 0.8623% | 3,460 |
| Pretax return on assets | 1.0597% | 3,315 |
| Return on Equity (ROE) | 10.0466% | 2,398 |
| Retained earnings to average equity (ytd only) | -1.3801% | 4,950 |
| Net charge-offs to loans | 0.0023% | 2,658 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 815.0000% | 82 |
| Efficiency ratio | 65.8710% | 3,187 |
| Assets per employee ($millions) | 6.1444% | 1,408 |
| Cash dividends to net income (ytd only)* | 113.7371% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3197% | 5,478 |
| Loan loss allowance to noncurrent loans | 37.1237% | 4,693 |
| Noncurrent assets plus other real estate owned to assets | 0.5166% | 2,802 |
| Noncurrent loans to loans | 0.8612% | 2,102 |
| Net loans and leases to total assets | 55.2215% | 4,189 |
| Net loans and leases to deposits | 61.1356% | 4,388 |
| Net loans and leases to core deposits | 64.7531% | 4,379 |
| Total domestic deposits to total assets | 90.3263% | 534 |
| Equity capital to assets | 8.4697% | 4,997 |
| Core capital (leverage) ratio | 8.8044% | 4,887 |
| Tier 1 risk-based capital ratio | 25.8454% | 698 |
| Total risk-based capital ratio | 26.4065% | 728 |
| Memoranda: | ||
| Average total assets | $314,040,000 | 2,119 |
| Average earning assets | $296,651,500 | 2,084 |
| Average equity | $26,954,500 | 2,556 |
| Average total loans | $171,969,500 | 2,450 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0015% | 5,353 |
| Cost of funding earning assets | 0.3840% | 3,395 |
| Net interest margin | 2.6175% | 5,338 |
| Noninterest income to average assets | 0.5027% | 2,981 |
| Noninterest expense to average assets | 2.1467% | 4,658 |
| Loan and lease loss provision to assets | 0.0032% | 4,184 |
| Net operating income to assets | 0.5232% | 4,315 |
| Return on assets (ROA) | 0.5232% | 4,346 |
| Pretax return on assets | 0.8237% | 4,191 |
| Return on Equity (ROE) | 5.9681% | 3,773 |
| Retained earnings to average equity (ytd only) | 1.1987% | 4,544 |
| Net charge-offs to loans | 0.0006% | 4,109 |
| Credit loss provision to net charge-offs | 1,000.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 2,589.0000% | 24 |
| Efficiency ratio | 72.1912% | 2,191 |
| Assets per employee ($millions) | 6.2943% | 1,324 |
| Cash dividends to net income (ytd only)* | 79.9145% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3264% | 5,539 |
| Loan loss allowance to noncurrent loans | 34.0895% | 4,790 |
| Noncurrent assets plus other real estate owned to assets | 0.6301% | 2,440 |
| Noncurrent loans to loans | 0.9575% | 1,848 |
| Net loans and leases to total assets | 53.9482% | 4,374 |
| Net loans and leases to deposits | 60.4216% | 4,541 |
| Net loans and leases to core deposits | 67.9406% | 4,301 |
| Total domestic deposits to total assets | 89.2862% | 875 |
| Equity capital to assets | 8.6961% | 4,958 |
| Core capital (leverage) ratio | 8.8720% | 4,787 |
| Tier 1 risk-based capital ratio | 26.2227% | 645 |
| Total risk-based capital ratio | 26.7911% | 678 |
| Memoranda: | ||
| Average total assets | $313,088,800 | 2,099 |
| Average earning assets | $295,551,200 | 2,067 |
| Average equity | $27,445,800 | 2,520 |
| Average total loans | $164,168,400 | 2,495 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9659% | 5,435 |
| Cost of funding earning assets | 0.3858% | 3,326 |
| Net interest margin | 2.5801% | 5,418 |
| Noninterest income to average assets | 0.5228% | 2,883 |
| Noninterest expense to average assets | 2.1175% | 4,697 |
| Loan and lease loss provision to assets | 0.0043% | 4,033 |
| Net operating income to assets | 0.6191% | 4,318 |
| Return on assets (ROA) | 0.6191% | 4,360 |
| Pretax return on assets | 0.8366% | 4,251 |
| Return on Equity (ROE) | 7.0487% | 3,633 |
| Retained earnings to average equity (ytd only) | 2.5632% | 4,354 |
| Net charge-offs to loans | -0.0098% | 4,635 |
| Credit loss provision to net charge-offs | -83.3333% | 4,495 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5768% | 2,266 |
| Assets per employee ($millions) | 6.2146% | 1,367 |
| Cash dividends to net income (ytd only)* | 63.6365% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3412% | 5,603 |
| Loan loss allowance to noncurrent loans | 35.6964% | 4,845 |
| Noncurrent assets plus other real estate owned to assets | 0.6128% | 2,675 |
| Noncurrent loans to loans | 0.9559% | 2,014 |
| Net loans and leases to total assets | 53.4807% | 4,458 |
| Net loans and leases to deposits | 59.6742% | 4,654 |
| Net loans and leases to core deposits | 66.4006% | 4,457 |
| Total domestic deposits to total assets | 89.6212% | 609 |
| Equity capital to assets | 9.0230% | 4,894 |
| Core capital (leverage) ratio | 8.9720% | 4,772 |
| Tier 1 risk-based capital ratio | 26.8868% | 626 |
| Total risk-based capital ratio | 27.4779% | 650 |
| Memoranda: | ||
| Average total assets | $312,682,250 | 2,115 |
| Average earning assets | $295,171,250 | 2,079 |
| Average equity | $27,465,250 | 2,537 |
| Average total loans | $162,625,750 | 2,526 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9162% | 5,497 |
| Cost of funding earning assets | 0.3813% | 3,274 |
| Net interest margin | 2.5348% | 5,479 |
| Noninterest income to average assets | 0.5591% | 2,660 |
| Noninterest expense to average assets | 2.1102% | 4,757 |
| Loan and lease loss provision to assets | 0.0064% | 3,796 |
| Net operating income to assets | 0.6255% | 4,181 |
| Return on assets (ROA) | 0.6255% | 4,232 |
| Pretax return on assets | 0.8355% | 4,141 |
| Return on Equity (ROE) | 7.1862% | 3,461 |
| Retained earnings to average equity (ytd only) | 0.6893% | 4,925 |
| Net charge-offs to loans | -0.0298% | 4,951 |
| Credit loss provision to net charge-offs | -41.6667% | 4,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4811% | 2,441 |
| Assets per employee ($millions) | 6.0446% | 1,428 |
| Cash dividends to net income (ytd only)* | 90.4082% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3485% | 5,643 |
| Loan loss allowance to noncurrent loans | 38.4106% | 4,818 |
| Noncurrent assets plus other real estate owned to assets | 0.5962% | 2,783 |
| Noncurrent loans to loans | 0.9072% | 2,158 |
| Net loans and leases to total assets | 52.7706% | 4,503 |
| Net loans and leases to deposits | 59.9817% | 4,627 |
| Net loans and leases to core deposits | 67.6904% | 4,366 |
| Total domestic deposits to total assets | 87.9778% | 1,466 |
| Equity capital to assets | 8.8515% | 5,037 |
| Core capital (leverage) ratio | 8.7796% | 4,972 |
| Tier 1 risk-based capital ratio | 26.3693% | 648 |
| Total risk-based capital ratio | 26.9688% | 680 |
| Memoranda: | ||
| Average total assets | $313,333,330 | 2,114 |
| Average earning assets | $295,799,330 | 2,083 |
| Average equity | $27,274,670 | 2,553 |
| Average total loans | $161,251,330 | 2,538 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8260% | 5,584 |
| Cost of funding earning assets | 0.3766% | 3,235 |
| Net interest margin | 2.4494% | 5,583 |
| Noninterest income to average assets | 0.4475% | 3,328 |
| Noninterest expense to average assets | 2.1110% | 4,828 |
| Loan and lease loss provision to assets | 0.0128% | 3,402 |
| Net operating income to assets | 0.4808% | 4,671 |
| Return on assets (ROA) | 0.4808% | 4,694 |
| Pretax return on assets | 0.6355% | 4,645 |
| Return on Equity (ROE) | 5.5702% | 4,108 |
| Retained earnings to average equity (ytd only) | -6.9775% | 5,491 |
| Net charge-offs to loans | -0.0025% | 4,033 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5060% | 1,831 |
| Assets per employee ($millions) | 6.2206% | 1,359 |
| Cash dividends to net income (ytd only)* | 225.2660% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3535% | 5,718 |
| Loan loss allowance to noncurrent loans | 33.4937% | 4,981 |
| Noncurrent assets plus other real estate owned to assets | 0.5753% | 2,935 |
| Noncurrent loans to loans | 1.0556% | 1,943 |
| Net loans and leases to total assets | 49.4845% | 4,716 |
| Net loans and leases to deposits | 54.7255% | 4,897 |
| Net loans and leases to core deposits | 61.7410% | 4,675 |
| Total domestic deposits to total assets | 90.4230% | 502 |
| Equity capital to assets | 8.4756% | 5,260 |
| Core capital (leverage) ratio | 8.6718% | 5,075 |
| Tier 1 risk-based capital ratio | 26.3155% | 666 |
| Total risk-based capital ratio | 26.9038% | 699 |
| Memoranda: | ||
| Average total assets | $312,840,500 | 2,134 |
| Average earning assets | $295,259,500 | 2,103 |
| Average equity | $27,001,000 | 2,578 |
| Average total loans | $158,653,000 | 2,595 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8890% | 5,586 |
| Cost of funding earning assets | 0.3713% | 3,300 |
| Net interest margin | 2.5177% | 5,578 |
| Noninterest income to average assets | 0.4967% | 3,264 |
| Noninterest expense to average assets | 2.2151% | 4,742 |
| Loan and lease loss provision to assets | 0.0654% | 3,060 |
| Net operating income to assets | 0.4498% | 4,801 |
| Return on assets (ROA) | 0.4672% | 4,824 |
| Pretax return on assets | 0.6196% | 4,735 |
| Return on Equity (ROE) | 5.0690% | 4,404 |
| Retained earnings to average equity (ytd only) | 3.8163% | 3,206 |
| Net charge-offs to loans | 0.0607% | 2,843 |
| Credit loss provision to net charge-offs | 250.0000% | 1,154 |
| Earnings coverage of net charge-offs (x) | 25.2821% | 1,595 |
| Efficiency ratio | 76.9949% | 1,848 |
| Assets per employee ($millions) | 6.0476% | 1,443 |
| Cash dividends to net income (ytd only)* | 24.7126% | 3,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3424% | 5,774 |
| Loan loss allowance to noncurrent loans | 27.7243% | 5,129 |
| Noncurrent assets plus other real estate owned to assets | 0.7094% | 2,602 |
| Noncurrent loans to loans | 1.2350% | 1,663 |
| Net loans and leases to total assets | 51.6201% | 4,644 |
| Net loans and leases to deposits | 61.5721% | 4,572 |
| Net loans and leases to core deposits | 64.9267% | 4,581 |
| Total domestic deposits to total assets | 83.8369% | 3,490 |
| Equity capital to assets | 8.7906% | 5,025 |
| Core capital (leverage) ratio | 8.8222% | 4,941 |
| Tier 1 risk-based capital ratio | 26.3801% | 665 |
| Total risk-based capital ratio | 26.9500% | 700 |
| Memoranda: | ||
| Average total assets | $297,955,400 | 2,178 |
| Average earning assets | $281,685,200 | 2,145 |
| Average equity | $27,461,200 | 2,539 |
| Average total loans | $128,457,000 | 2,945 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8635% | 5,682 |
| Cost of funding earning assets | 0.3649% | 3,385 |
| Net interest margin | 2.4986% | 5,656 |
| Noninterest income to average assets | 0.5011% | 3,240 |
| Noninterest expense to average assets | 2.2410% | 4,669 |
| Loan and lease loss provision to assets | 0.0880% | 2,470 |
| Net operating income to assets | 0.4230% | 4,953 |
| Return on assets (ROA) | 0.4262% | 5,029 |
| Pretax return on assets | 0.5408% | 5,036 |
| Return on Equity (ROE) | 4.5689% | 4,688 |
| Retained earnings to average equity (ytd only) | 3.0879% | 4,064 |
| Net charge-offs to loans | 0.0796% | 2,187 |
| Credit loss provision to net charge-offs | 270.8333% | 1,135 |
| Earnings coverage of net charge-offs (x) | 19.2218% | 1,948 |
| Efficiency ratio | 78.1979% | 1,663 |
| Assets per employee ($millions) | 6.1849% | 1,307 |
| Cash dividends to net income (ytd only)* | 32.4151% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3798% | 5,810 |
| Loan loss allowance to noncurrent loans | 34.0517% | 5,101 |
| Noncurrent assets plus other real estate owned to assets | 0.5892% | 3,147 |
| Noncurrent loans to loans | 1.1155% | 2,019 |
| Net loans and leases to total assets | 46.8992% | 5,028 |
| Net loans and leases to deposits | 54.6681% | 5,074 |
| Net loans and leases to core deposits | 57.6995% | 5,070 |
| Total domestic deposits to total assets | 85.7890% | 2,457 |
| Equity capital to assets | 9.0899% | 5,086 |
| Core capital (leverage) ratio | 8.9036% | 4,938 |
| Tier 1 risk-based capital ratio | 24.7833% | 836 |
| Total risk-based capital ratio | 25.3323% | 875 |
| Memoranda: | ||
| Average total assets | $295,336,750 | 2,199 |
| Average earning assets | $279,511,000 | 2,164 |
| Average equity | $27,548,250 | 2,551 |
| Average total loans | $120,631,500 | 3,062 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8509% | 5,773 |
| Cost of funding earning assets | 0.3597% | 3,455 |
| Net interest margin | 2.4912% | 5,749 |
| Noninterest income to average assets | 0.4816% | 3,320 |
| Noninterest expense to average assets | 2.2855% | 4,648 |
| Loan and lease loss provision to assets | 0.0791% | 2,561 |
| Net operating income to assets | 0.3735% | 5,112 |
| Return on assets (ROA) | 0.3784% | 5,182 |
| Pretax return on assets | 0.4816% | 5,170 |
| Return on Equity (ROE) | 4.0203% | 4,908 |
| Retained earnings to average equity (ytd only) | 2.0613% | 4,534 |
| Net charge-offs to loans | 0.1140% | 1,685 |
| Credit loss provision to net charge-offs | 179.6875% | 1,403 |
| Earnings coverage of net charge-offs (x) | 12.5938% | 2,176 |
| Efficiency ratio | 80.4748% | 1,448 |
| Assets per employee ($millions) | 5.8595% | 1,502 |
| Cash dividends to net income (ytd only)* | 48.7273% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3944% | 5,885 |
| Loan loss allowance to noncurrent loans | 33.0357% | 5,223 |
| Noncurrent assets plus other real estate owned to assets | 0.5902% | 3,251 |
| Noncurrent loans to loans | 1.1940% | 1,926 |
| Net loans and leases to total assets | 41.4599% | 5,358 |
| Net loans and leases to deposits | 46.4368% | 5,486 |
| Net loans and leases to core deposits | 48.8406% | 5,470 |
| Total domestic deposits to total assets | 89.2824% | 769 |
| Equity capital to assets | 9.5479% | 4,717 |
| Core capital (leverage) ratio | 9.0893% | 4,729 |
| Tier 1 risk-based capital ratio | 24.1199% | 893 |
| Total risk-based capital ratio | 24.5962% | 957 |
| Memoranda: | ||
| Average total assets | $290,700,330 | 2,242 |
| Average earning assets | $275,208,670 | 2,203 |
| Average equity | $27,361,000 | 2,571 |
| Average total loans | $112,313,000 | 3,202 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8356% | 5,835 |
| Cost of funding earning assets | 0.3530% | 3,569 |
| Net interest margin | 2.4826% | 5,820 |
| Noninterest income to average assets | 0.4641% | 3,386 |
| Noninterest expense to average assets | 2.3069% | 4,638 |
| Loan and lease loss provision to assets | 0.1381% | 1,515 |
| Net operating income to assets | 0.2962% | 5,317 |
| Return on assets (ROA) | 0.2984% | 5,392 |
| Pretax return on assets | 0.3730% | 5,356 |
| Return on Equity (ROE) | 3.1935% | 5,168 |
| Retained earnings to average equity (ytd only) | -0.2218% | 5,147 |
| Net charge-offs to loans | 0.2381% | 858 |
| Credit loss provision to net charge-offs | 156.2500% | 1,243 |
| Earnings coverage of net charge-offs (x) | 5.7500% | 2,299 |
| Efficiency ratio | 81.9431% | 1,373 |
| Assets per employee ($millions) | 5.8727% | 1,513 |
| Cash dividends to net income (ytd only)* | 106.9444% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4072% | 5,941 |
| Loan loss allowance to noncurrent loans | 32.2693% | 5,244 |
| Noncurrent assets plus other real estate owned to assets | 0.5939% | 3,279 |
| Noncurrent loans to loans | 1.2619% | 1,919 |
| Net loans and leases to total assets | 38.7301% | 5,521 |
| Net loans and leases to deposits | 43.2295% | 5,619 |
| Net loans and leases to core deposits | 45.7536% | 5,600 |
| Total domestic deposits to total assets | 89.5919% | 790 |
| Equity capital to assets | 9.2771% | 4,910 |
| Core capital (leverage) ratio | 9.1420% | 4,672 |
| Tier 1 risk-based capital ratio | 24.4326% | 873 |
| Total risk-based capital ratio | 24.9056% | 944 |
| Memoranda: | ||
| Average total assets | $289,563,000 | 2,249 |
| Average earning assets | $274,223,500 | 2,216 |
| Average equity | $27,055,000 | 2,596 |
| Average total loans | $107,495,500 | 3,287 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9483% | 5,779 |
| Cost of funding earning assets | 0.3618% | 3,559 |
| Net interest margin | 2.5865% | 5,768 |
| Noninterest income to average assets | 0.5841% | 2,807 |
| Noninterest expense to average assets | 2.2588% | 4,903 |
| Loan and lease loss provision to assets | 0.0494% | 3,335 |
| Net operating income to assets | 0.5913% | 4,318 |
| Return on assets (ROA) | 0.6202% | 4,275 |
| Pretax return on assets | 0.7628% | 4,326 |
| Return on Equity (ROE) | 6.6517% | 3,708 |
| Retained earnings to average equity (ytd only) | 4.5910% | 2,715 |
| Net charge-offs to loans | 0.4557% | 604 |
| Credit loss provision to net charge-offs | 31.1804% | 3,637 |
| Earnings coverage of net charge-offs (x) | 4.8976% | 3,470 |
| Efficiency ratio | 74.4154% | 2,515 |
| Assets per employee ($millions) | 5.3866% | 1,915 |
| Cash dividends to net income (ytd only)* | 30.9795% | 3,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4266% | 5,977 |
| Loan loss allowance to noncurrent loans | 27.4760% | 5,375 |
| Noncurrent assets plus other real estate owned to assets | 0.6697% | 3,035 |
| Noncurrent loans to loans | 1.5526% | 1,484 |
| Net loans and leases to total assets | 35.1572% | 5,738 |
| Net loans and leases to deposits | 39.3196% | 5,794 |
| Net loans and leases to core deposits | 41.1791% | 5,790 |
| Total domestic deposits to total assets | 89.4140% | 906 |
| Equity capital to assets | 9.4116% | 4,659 |
| Core capital (leverage) ratio | 9.4218% | 4,287 |
| Tier 1 risk-based capital ratio | 24.5334% | 860 |
| Total risk-based capital ratio | 24.9756% | 932 |
| Memoranda: | ||
| Average total assets | $283,155,000 | 2,246 |
| Average earning assets | $268,357,200 | 2,216 |
| Average equity | $26,399,400 | 2,600 |
| Average total loans | $98,539,600 | 3,407 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9812% | 5,823 |
| Cost of funding earning assets | 0.3640% | 3,613 |
| Net interest margin | 2.6172% | 5,817 |
| Noninterest income to average assets | 0.5808% | 2,848 |
| Noninterest expense to average assets | 2.2469% | 4,917 |
| Loan and lease loss provision to assets | 0.0377% | 3,456 |
| Net operating income to assets | 0.6693% | 4,037 |
| Return on assets (ROA) | 0.6884% | 4,072 |
| Pretax return on assets | 0.7984% | 4,344 |
| Return on Equity (ROE) | 7.4016% | 3,401 |
| Retained earnings to average equity (ytd only) | 4.8650% | 3,013 |
| Net charge-offs to loans | 0.1715% | 1,448 |
| Credit loss provision to net charge-offs | 63.4921% | 2,867 |
| Earnings coverage of net charge-offs (x) | 13.6901% | 2,306 |
| Efficiency ratio | 73.4084% | 2,653 |
| Assets per employee ($millions) | 5.4085% | 1,862 |
| Cash dividends to net income (ytd only)* | 34.2701% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7052% | 5,720 |
| Loan loss allowance to noncurrent loans | 31.2981% | 5,410 |
| Noncurrent assets plus other real estate owned to assets | 0.9095% | 2,594 |
| Noncurrent loans to loans | 2.2530% | 960 |
| Net loans and leases to total assets | 34.6474% | 5,833 |
| Net loans and leases to deposits | 38.8236% | 5,905 |
| Net loans and leases to core deposits | 40.6813% | 5,900 |
| Total domestic deposits to total assets | 89.2431% | 901 |
| Equity capital to assets | 9.5786% | 4,661 |
| Core capital (leverage) ratio | 9.3793% | 4,468 |
| Tier 1 risk-based capital ratio | 25.5708% | 805 |
| Total risk-based capital ratio | 26.2926% | 842 |
| Memoranda: | ||
| Average total assets | $282,571,500 | 2,267 |
| Average earning assets | $267,756,000 | 2,225 |
| Average equity | $26,282,000 | 2,627 |
| Average total loans | $97,974,500 | 3,450 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9859% | 5,872 |
| Cost of funding earning assets | 0.3641% | 3,658 |
| Net interest margin | 2.6218% | 5,861 |
| Noninterest income to average assets | 0.5724% | 2,894 |
| Noninterest expense to average assets | 2.1999% | 5,115 |
| Loan and lease loss provision to assets | 0.0353% | 3,419 |
| Net operating income to assets | 0.6579% | 4,086 |
| Return on assets (ROA) | 0.6579% | 4,190 |
| Pretax return on assets | 0.8205% | 4,249 |
| Return on Equity (ROE) | 7.1442% | 3,531 |
| Retained earnings to average equity (ytd only) | 3.5990% | 3,736 |
| Net charge-offs to loans | 0.0470% | 2,761 |
| Credit loss provision to net charge-offs | 217.3913% | 1,147 |
| Earnings coverage of net charge-offs (x) | 52.6522% | 918 |
| Efficiency ratio | 71.9935% | 2,998 |
| Assets per employee ($millions) | 5.2809% | 1,947 |
| Cash dividends to net income (ytd only)* | 49.6241% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7925% | 5,617 |
| Loan loss allowance to noncurrent loans | 42.1342% | 5,210 |
| Noncurrent assets plus other real estate owned to assets | 0.7453% | 3,149 |
| Noncurrent loans to loans | 1.8808% | 1,329 |
| Net loans and leases to total assets | 34.2625% | 5,897 |
| Net loans and leases to deposits | 38.2606% | 5,969 |
| Net loans and leases to core deposits | 40.4423% | 5,943 |
| Total domestic deposits to total assets | 89.5504% | 876 |
| Equity capital to assets | 9.2813% | 4,922 |
| Core capital (leverage) ratio | 9.0868% | 4,842 |
| Tier 1 risk-based capital ratio | 24.8029% | 883 |
| Total risk-based capital ratio | 25.5883% | 915 |
| Memoranda: | ||
| Average total assets | $283,014,670 | 2,281 |
| Average earning assets | $268,062,670 | 2,249 |
| Average equity | $26,063,000 | 2,652 |
| Average total loans | $97,921,000 | 3,472 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9569% | 5,937 |
| Cost of funding earning assets | 0.3603% | 3,748 |
| Net interest margin | 2.5965% | 5,928 |
| Noninterest income to average assets | 0.5313% | 3,084 |
| Noninterest expense to average assets | 2.1056% | 5,368 |
| Loan and lease loss provision to assets | 0.0281% | 3,317 |
| Net operating income to assets | 0.6775% | 3,909 |
| Return on assets (ROA) | 0.6775% | 4,031 |
| Pretax return on assets | 0.8588% | 4,030 |
| Return on Equity (ROE) | 7.3853% | 3,282 |
| Retained earnings to average equity (ytd only) | 0.8887% | 5,109 |
| Net charge-offs to loans | 0.1015% | 1,712 |
| Credit loss provision to net charge-offs | 80.0000% | 1,825 |
| Earnings coverage of net charge-offs (x) | 25.2400% | 1,271 |
| Efficiency ratio | 70.3617% | 3,418 |
| Assets per employee ($millions) | 5.3189% | 1,974 |
| Cash dividends to net income (ytd only)* | 87.9668% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7436% | 5,820 |
| Loan loss allowance to noncurrent loans | 45.7321% | 5,132 |
| Noncurrent assets plus other real estate owned to assets | 0.6455% | 3,570 |
| Noncurrent loans to loans | 1.6261% | 1,715 |
| Net loans and leases to total assets | 34.1096% | 5,922 |
| Net loans and leases to deposits | 38.0180% | 5,988 |
| Net loans and leases to core deposits | 40.3336% | 5,965 |
| Total domestic deposits to total assets | 89.7198% | 891 |
| Equity capital to assets | 9.1940% | 5,092 |
| Core capital (leverage) ratio | 8.9413% | 5,023 |
| Tier 1 risk-based capital ratio | 24.5066% | 940 |
| Total risk-based capital ratio | 25.2640% | 978 |
| Memoranda: | ||
| Average total assets | $284,579,000 | 2,291 |
| Average earning assets | $269,743,500 | 2,251 |
| Average equity | $26,106,000 | 2,666 |
| Average total loans | $98,550,500 | 3,482 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1054% | 5,950 |
| Cost of funding earning assets | 0.4060% | 3,631 |
| Net interest margin | 2.6995% | 5,937 |
| Noninterest income to average assets | 0.5456% | 3,198 |
| Noninterest expense to average assets | 2.2759% | 5,169 |
| Loan and lease loss provision to assets | 0.0085% | 4,453 |
| Net operating income to assets | 0.6469% | 4,160 |
| Return on assets (ROA) | 0.6666% | 4,155 |
| Pretax return on assets | 0.8253% | 4,166 |
| Return on Equity (ROE) | 7.8292% | 3,219 |
| Retained earnings to average equity (ytd only) | 7.1664% | 1,330 |
| Net charge-offs to loans | 0.0375% | 4,083 |
| Credit loss provision to net charge-offs | 66.6667% | 3,140 |
| Earnings coverage of net charge-offs (x) | 63.7500% | 753 |
| Efficiency ratio | 73.7654% | 2,871 |
| Assets per employee ($millions) | 5.2211% | 2,046 |
| Cash dividends to net income (ytd only)* | 8.4656% | 4,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7510% | 5,880 |
| Loan loss allowance to noncurrent loans | 42.6921% | 5,300 |
| Noncurrent assets plus other real estate owned to assets | 0.7023% | 3,466 |
| Noncurrent loans to loans | 1.7592% | 1,639 |
| Net loans and leases to total assets | 34.6382% | 6,012 |
| Net loans and leases to deposits | 38.6205% | 6,076 |
| Net loans and leases to core deposits | 41.9281% | 6,045 |
| Total domestic deposits to total assets | 89.6888% | 876 |
| Equity capital to assets | 9.1528% | 5,124 |
| Core capital (leverage) ratio | 8.9118% | 5,105 |
| Tier 1 risk-based capital ratio | 25.1329% | 826 |
| Total risk-based capital ratio | 25.9165% | 852 |
| Memoranda: | ||
| Average total assets | $283,538,200 | 2,247 |
| Average earning assets | $266,757,000 | 2,222 |
| Average equity | $24,140,400 | 2,747 |
| Average total loans | $95,978,400 | 3,501 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1157% | 6,008 |
| Cost of funding earning assets | 0.4146% | 3,634 |
| Net interest margin | 2.7011% | 6,001 |
| Noninterest income to average assets | 0.5226% | 3,388 |
| Noninterest expense to average assets | 2.2558% | 5,213 |
| Loan and lease loss provision to assets | 0.0329% | 3,749 |
| Net operating income to assets | 0.6221% | 4,340 |
| Return on assets (ROA) | 0.6311% | 4,403 |
| Pretax return on assets | 0.7842% | 4,418 |
| Return on Equity (ROE) | 7.5533% | 3,422 |
| Retained earnings to average equity (ytd only) | 7.0138% | 1,815 |
| Net charge-offs to loans | 0.0475% | 3,549 |
| Credit loss provision to net charge-offs | 205.8824% | 1,235 |
| Earnings coverage of net charge-offs (x) | 50.4730% | 974 |
| Efficiency ratio | 73.6810% | 2,870 |
| Assets per employee ($millions) | 5.2907% | 1,911 |
| Cash dividends to net income (ytd only)* | 7.1430% | 3,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8046% | 5,861 |
| Loan loss allowance to noncurrent loans | 54.9650% | 4,958 |
| Noncurrent assets plus other real estate owned to assets | 0.6545% | 3,876 |
| Noncurrent loans to loans | 1.4639% | 2,226 |
| Net loans and leases to total assets | 33.9171% | 6,116 |
| Net loans and leases to deposits | 37.5956% | 6,199 |
| Net loans and leases to core deposits | 40.9763% | 6,150 |
| Total domestic deposits to total assets | 90.2155% | 644 |
| Equity capital to assets | 8.6704% | 5,666 |
| Core capital (leverage) ratio | 8.7001% | 5,439 |
| Tier 1 risk-based capital ratio | 24.5834% | 919 |
| Total risk-based capital ratio | 25.4166% | 949 |
| Memoranda: | ||
| Average total assets | $283,938,500 | 2,263 |
| Average earning assets | $266,897,750 | 2,230 |
| Average equity | $23,724,250 | 2,788 |
| Average total loans | $95,373,750 | 3,551 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1487% | 6,006 |
| Cost of funding earning assets | 0.4314% | 3,534 |
| Net interest margin | 2.7174% | 6,034 |
| Noninterest income to average assets | 0.5195% | 3,346 |
| Noninterest expense to average assets | 2.2594% | 5,258 |
| Loan and lease loss provision to assets | 0.0529% | 3,244 |
| Net operating income to assets | 0.6225% | 4,235 |
| Return on assets (ROA) | 0.6254% | 4,316 |
| Pretax return on assets | 0.7630% | 4,406 |
| Return on Equity (ROE) | 7.5806% | 3,330 |
| Retained earnings to average equity (ytd only) | 6.7593% | 1,898 |
| Net charge-offs to loans | 0.0402% | 3,428 |
| Credit loss provision to net charge-offs | 394.7368% | 701 |
| Earnings coverage of net charge-offs (x) | 60.5789% | 802 |
| Efficiency ratio | 73.5524% | 3,051 |
| Assets per employee ($millions) | 5.3832% | 1,799 |
| Cash dividends to net income (ytd only)* | 10.8352% | 3,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8376% | 5,892 |
| Loan loss allowance to noncurrent loans | 59.1075% | 4,846 |
| Noncurrent assets plus other real estate owned to assets | 0.6092% | 4,144 |
| Noncurrent loans to loans | 1.4170% | 2,433 |
| Net loans and leases to total assets | 33.5295% | 6,177 |
| Net loans and leases to deposits | 37.1098% | 6,261 |
| Net loans and leases to core deposits | 40.3375% | 6,212 |
| Total domestic deposits to total assets | 90.3521% | 640 |
| Equity capital to assets | 8.5059% | 5,797 |
| Core capital (leverage) ratio | 8.4465% | 5,690 |
| Tier 1 risk-based capital ratio | 24.2316% | 955 |
| Total risk-based capital ratio | 25.0843% | 987 |
| Memoranda: | ||
| Average total assets | $283,352,330 | 2,267 |
| Average earning assets | $266,139,330 | 2,234 |
| Average equity | $23,375,330 | 2,813 |
| Average total loans | $94,603,000 | 3,575 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1670% | 6,048 |
| Cost of funding earning assets | 0.4386% | 3,547 |
| Net interest margin | 2.7284% | 6,065 |
| Noninterest income to average assets | 0.5114% | 3,322 |
| Noninterest expense to average assets | 2.2693% | 5,274 |
| Loan and lease loss provision to assets | 0.0538% | 3,036 |
| Net operating income to assets | 0.5666% | 4,368 |
| Return on assets (ROA) | 0.5666% | 4,447 |
| Pretax return on assets | 0.7522% | 4,300 |
| Return on Equity (ROE) | 6.9781% | 3,485 |
| Retained earnings to average equity (ytd only) | 6.3151% | 2,373 |
| Net charge-offs to loans | 0.0427% | 2,788 |
| Credit loss provision to net charge-offs | 380.0000% | 676 |
| Earnings coverage of net charge-offs (x) | 56.9000% | 681 |
| Efficiency ratio | 73.7909% | 3,181 |
| Assets per employee ($millions) | 5.5808% | 1,633 |
| Cash dividends to net income (ytd only)* | 9.5000% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8242% | 6,049 |
| Loan loss allowance to noncurrent loans | 60.4344% | 4,823 |
| Noncurrent assets plus other real estate owned to assets | 0.5810% | 4,407 |
| Noncurrent loans to loans | 1.3638% | 2,749 |
| Net loans and leases to total assets | 32.3006% | 6,252 |
| Net loans and leases to deposits | 35.5786% | 6,329 |
| Net loans and leases to core deposits | 38.3032% | 6,306 |
| Total domestic deposits to total assets | 90.7867% | 647 |
| Equity capital to assets | 8.0197% | 6,045 |
| Core capital (leverage) ratio | 8.3627% | 5,790 |
| Tier 1 risk-based capital ratio | 23.8176% | 1,029 |
| Total risk-based capital ratio | 24.6419% | 1,072 |
| Memoranda: | ||
| Average total assets | $282,375,000 | 2,285 |
| Average earning assets | $265,360,500 | 2,249 |
| Average equity | $22,929,000 | 2,855 |
| Average total loans | $93,669,500 | 3,616 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2431% | 6,089 |
| Cost of funding earning assets | 0.5229% | 3,375 |
| Net interest margin | 2.7203% | 6,113 |
| Noninterest income to average assets | 0.5809% | 3,204 |
| Noninterest expense to average assets | 2.4952% | 4,778 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5228% | 4,629 |
| Return on assets (ROA) | 0.6312% | 4,219 |
| Pretax return on assets | 0.7853% | 4,204 |
| Return on Equity (ROE) | 7.4477% | 3,329 |
| Retained earnings to average equity (ytd only) | 6.7695% | 1,545 |
| Net charge-offs to loans | 0.0844% | 4,029 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 23.4935% | 1,408 |
| Efficiency ratio | 79.3375% | 2,263 |
| Assets per employee ($millions) | 5.0843% | 2,084 |
| Cash dividends to net income (ytd only)* | 9.1064% | 4,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8091% | 6,151 |
| Loan loss allowance to noncurrent loans | 63.1092% | 4,756 |
| Noncurrent assets plus other real estate owned to assets | 0.5780% | 4,503 |
| Noncurrent loans to loans | 1.2820% | 2,991 |
| Net loans and leases to total assets | 33.5358% | 6,315 |
| Net loans and leases to deposits | 37.0681% | 6,397 |
| Net loans and leases to core deposits | 39.8826% | 6,366 |
| Total domestic deposits to total assets | 90.4710% | 832 |
| Equity capital to assets | 8.2262% | 5,848 |
| Core capital (leverage) ratio | 8.5226% | 5,643 |
| Tier 1 risk-based capital ratio | 24.5335% | 900 |
| Total risk-based capital ratio | 25.3664% | 927 |
| Memoranda: | ||
| Average total assets | $278,377,000 | 2,283 |
| Average earning assets | $262,400,800 | 2,235 |
| Average equity | $23,591,200 | 2,760 |
| Average total loans | $91,280,200 | 3,659 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2279% | 6,159 |
| Cost of funding earning assets | 0.5451% | 3,318 |
| Net interest margin | 2.6829% | 6,204 |
| Noninterest income to average assets | 0.5838% | 3,254 |
| Noninterest expense to average assets | 2.5135% | 4,674 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4987% | 4,796 |
| Return on assets (ROA) | 0.6358% | 4,309 |
| Pretax return on assets | 0.7656% | 4,437 |
| Return on Equity (ROE) | 7.4486% | 3,409 |
| Retained earnings to average equity (ytd only) | 6.7999% | 1,972 |
| Net charge-offs to loans | 0.1217% | 3,327 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 15.1571% | 1,888 |
| Efficiency ratio | 80.7174% | 2,008 |
| Assets per employee ($millions) | 5.1850% | 1,951 |
| Cash dividends to net income (ytd only)* | 8.7085% | 3,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8166% | 6,245 |
| Loan loss allowance to noncurrent loans | 59.4573% | 4,843 |
| Noncurrent assets plus other real estate owned to assets | 0.5911% | 4,671 |
| Noncurrent loans to loans | 1.3733% | 3,121 |
| Net loans and leases to total assets | 32.3196% | 6,439 |
| Net loans and leases to deposits | 35.6248% | 6,523 |
| Net loans and leases to core deposits | 38.2008% | 6,494 |
| Total domestic deposits to total assets | 90.7222% | 645 |
| Equity capital to assets | 8.0181% | 6,145 |
| Core capital (leverage) ratio | 8.3625% | 5,896 |
| Tier 1 risk-based capital ratio | 23.8955% | 1,018 |
| Total risk-based capital ratio | 24.7139% | 1,054 |
| Memoranda: | ||
| Average total assets | $279,333,500 | 2,286 |
| Average earning assets | $263,442,500 | 2,234 |
| Average equity | $23,842,750 | 2,773 |
| Average total loans | $90,894,250 | 3,696 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2855% | 6,110 |
| Cost of funding earning assets | 0.5732% | 3,184 |
| Net interest margin | 2.7123% | 6,163 |
| Noninterest income to average assets | 0.5890% | 3,262 |
| Noninterest expense to average assets | 2.5223% | 4,655 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5337% | 4,653 |
| Return on assets (ROA) | 0.5976% | 4,481 |
| Pretax return on assets | 0.7051% | 4,670 |
| Return on Equity (ROE) | 6.8622% | 3,690 |
| Retained earnings to average equity (ytd only) | 6.2287% | 2,305 |
| Net charge-offs to loans | 0.1366% | 3,011 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 14.1774% | 1,844 |
| Efficiency ratio | 80.0182% | 2,152 |
| Assets per employee ($millions) | 5.0626% | 2,035 |
| Cash dividends to net income (ytd only)* | 9.2326% | 3,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8379% | 6,284 |
| Loan loss allowance to noncurrent loans | 63.1492% | 4,661 |
| Noncurrent assets plus other real estate owned to assets | 0.5897% | 4,775 |
| Noncurrent loans to loans | 1.3268% | 3,340 |
| Net loans and leases to total assets | 32.5572% | 6,482 |
| Net loans and leases to deposits | 35.9889% | 6,559 |
| Net loans and leases to core deposits | 38.6041% | 6,520 |
| Total domestic deposits to total assets | 90.4645% | 777 |
| Equity capital to assets | 8.3600% | 5,910 |
| Core capital (leverage) ratio | 8.2045% | 6,003 |
| Tier 1 risk-based capital ratio | 24.2508% | 971 |
| Total risk-based capital ratio | 25.1208% | 999 |
| Memoranda: | ||
| Average total assets | $279,114,330 | 2,296 |
| Average earning assets | $263,763,000 | 2,233 |
| Average equity | $24,307,000 | 2,739 |
| Average total loans | $90,780,000 | 3,706 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3271% | 6,098 |
| Cost of funding earning assets | 0.5813% | 3,279 |
| Net interest margin | 2.7459% | 6,134 |
| Noninterest income to average assets | 0.5525% | 3,420 |
| Noninterest expense to average assets | 2.4792% | 4,829 |
| Loan and lease loss provision to assets | 0.0429% | 3,883 |
| Net operating income to assets | 0.5491% | 4,458 |
| Return on assets (ROA) | 0.6413% | 4,173 |
| Pretax return on assets | 0.7329% | 4,432 |
| Return on Equity (ROE) | 7.2195% | 3,368 |
| Retained earnings to average equity (ytd only) | 7.2195% | 2,061 |
| Net charge-offs to loans | 0.0884% | 2,955 |
| Credit loss provision to net charge-offs | 150.0000% | 1,364 |
| Earnings coverage of net charge-offs (x) | 23.4000% | 1,108 |
| Efficiency ratio | 78.7273% | 2,499 |
| Assets per employee ($millions) | 5.0500% | 2,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9174% | 6,217 |
| Loan loss allowance to noncurrent loans | 73.3392% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 0.5439% | 5,033 |
| Noncurrent loans to loans | 1.2508% | 3,682 |
| Net loans and leases to total assets | 32.0437% | 6,513 |
| Net loans and leases to deposits | 35.6053% | 6,589 |
| Net loans and leases to core deposits | 38.1920% | 6,557 |
| Total domestic deposits to total assets | 89.9971% | 1,058 |
| Equity capital to assets | 8.7684% | 5,736 |
| Core capital (leverage) ratio | 8.0489% | 6,098 |
| Tier 1 risk-based capital ratio | 23.5919% | 1,073 |
| Total risk-based capital ratio | 24.5275% | 1,095 |
| Memoranda: | ||
| Average total assets | $279,449,000 | 2,319 |
| Average earning assets | $264,251,000 | 2,262 |
| Average equity | $24,821,500 | 2,722 |
| Average total loans | $90,460,000 | 3,738 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5901% | 6,236 |
| Cost of funding earning assets | 0.8524% | 2,273 |
| Net interest margin | 2.7378% | 6,471 |
| Noninterest income to average assets | 0.5798% | 3,391 |
| Noninterest expense to average assets | 2.4445% | 5,275 |
| Loan and lease loss provision to assets | 0.0315% | 5,502 |
| Net operating income to assets | 0.6148% | 4,172 |
| Return on assets (ROA) | 0.7214% | 3,889 |
| Pretax return on assets | 0.7828% | 4,360 |
| Return on Equity (ROE) | 7.8249% | 3,173 |
| Retained earnings to average equity (ytd only) | 6.6691% | 1,735 |
| Net charge-offs to loans | 0.0441% | 5,299 |
| Credit loss provision to net charge-offs | 213.1579% | 1,191 |
| Earnings coverage of net charge-offs (x) | 47.2632% | 700 |
| Efficiency ratio | 77.7778% | 2,481 |
| Assets per employee ($millions) | 4.7603% | 2,564 |
| Cash dividends to net income (ytd only)* | 14.7709% | 3,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9255% | 6,208 |
| Loan loss allowance to noncurrent loans | 65.8188% | 4,419 |
| Noncurrent assets plus other real estate owned to assets | 0.5893% | 5,004 |
| Noncurrent loans to loans | 1.4062% | 3,490 |
| Net loans and leases to total assets | 32.1021% | 6,622 |
| Net loans and leases to deposits | 35.9022% | 6,681 |
| Net loans and leases to core deposits | 37.9176% | 6,678 |
| Total domestic deposits to total assets | 89.4154% | 1,295 |
| Equity capital to assets | 8.9989% | 5,525 |
| Core capital (leverage) ratio | 8.0927% | 6,099 |
| Tier 1 risk-based capital ratio | 23.7313% | 1,002 |
| Total risk-based capital ratio | 24.6797% | 1,026 |
| Memoranda: | ||
| Average total assets | $257,147,200 | 2,466 |
| Average earning assets | $240,743,600 | 2,405 |
| Average equity | $23,706,400 | 2,775 |
| Average total loans | $86,218,000 | 3,837 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6608% | 6,297 |
| Cost of funding earning assets | 0.8989% | 2,177 |
| Net interest margin | 2.7618% | 6,564 |
| Noninterest income to average assets | 0.5884% | 3,352 |
| Noninterest expense to average assets | 2.4589% | 5,220 |
| Loan and lease loss provision to assets | 0.0312% | 5,387 |
| Net operating income to assets | 0.6170% | 4,315 |
| Return on assets (ROA) | 0.6761% | 4,283 |
| Pretax return on assets | 0.7437% | 4,694 |
| Return on Equity (ROE) | 7.2866% | 3,642 |
| Retained earnings to average equity (ytd only) | 5.9716% | 2,711 |
| Net charge-offs to loans | 0.0515% | 4,935 |
| Credit loss provision to net charge-offs | 178.7879% | 1,558 |
| Earnings coverage of net charge-offs (x) | 40.7264% | 871 |
| Efficiency ratio | 77.5963% | 2,443 |
| Assets per employee ($millions) | 4.7108% | 2,588 |
| Cash dividends to net income (ytd only)* | 18.0468% | 3,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9178% | 6,333 |
| Loan loss allowance to noncurrent loans | 53.8870% | 4,942 |
| Noncurrent assets plus other real estate owned to assets | 0.6067% | 5,158 |
| Noncurrent loans to loans | 1.7032% | 3,224 |
| Net loans and leases to total assets | 32.6057% | 6,718 |
| Net loans and leases to deposits | 36.4685% | 6,803 |
| Net loans and leases to core deposits | 38.4625% | 6,794 |
| Total domestic deposits to total assets | 89.4080% | 1,187 |
| Equity capital to assets | 9.0893% | 5,729 |
| Core capital (leverage) ratio | 8.2299% | 6,105 |
| Tier 1 risk-based capital ratio | 23.7086% | 1,062 |
| Total risk-based capital ratio | 24.6609% | 1,091 |
| Memoranda: | ||
| Average total assets | $252,409,000 | 2,534 |
| Average earning assets | $235,827,500 | 2,469 |
| Average equity | $23,421,500 | 2,830 |
| Average total loans | $85,407,000 | 3,903 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7688% | 6,210 |
| Cost of funding earning assets | 0.9163% | 2,285 |
| Net interest margin | 2.8525% | 6,494 |
| Noninterest income to average assets | 0.5991% | 3,262 |
| Noninterest expense to average assets | 2.5186% | 5,081 |
| Loan and lease loss provision to assets | 0.0364% | 5,220 |
| Net operating income to assets | 0.6457% | 4,135 |
| Return on assets (ROA) | 0.7254% | 4,003 |
| Pretax return on assets | 0.7845% | 4,528 |
| Return on Equity (ROE) | 7.7598% | 3,365 |
| Retained earnings to average equity (ytd only) | 5.7592% | 2,847 |
| Net charge-offs to loans | 0.0616% | 4,559 |
| Credit loss provision to net charge-offs | 173.0769% | 1,622 |
| Earnings coverage of net charge-offs (x) | 34.8846% | 973 |
| Efficiency ratio | 77.4266% | 2,535 |
| Assets per employee ($millions) | 4.6395% | 2,657 |
| Cash dividends to net income (ytd only)* | 25.7813% | 2,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9267% | 6,393 |
| Loan loss allowance to noncurrent loans | 63.4783% | 4,482 |
| Noncurrent assets plus other real estate owned to assets | 0.5443% | 5,397 |
| Noncurrent loans to loans | 1.4599% | 3,720 |
| Net loans and leases to total assets | 33.6414% | 6,744 |
| Net loans and leases to deposits | 37.7408% | 6,814 |
| Net loans and leases to core deposits | 39.7474% | 6,809 |
| Total domestic deposits to total assets | 89.1380% | 1,427 |
| Equity capital to assets | 9.3426% | 5,264 |
| Core capital (leverage) ratio | 8.4412% | 5,726 |
| Tier 1 risk-based capital ratio | 24.0464% | 1,008 |
| Total risk-based capital ratio | 25.0104% | 1,027 |
| Memoranda: | ||
| Average total assets | $247,040,670 | 2,582 |
| Average earning assets | $229,837,330 | 2,525 |
| Average equity | $23,093,330 | 2,843 |
| Average total loans | $84,422,000 | 3,955 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7628% | 6,320 |
| Cost of funding earning assets | 0.9403% | 2,375 |
| Net interest margin | 2.8226% | 6,599 |
| Noninterest income to average assets | 0.5663% | 3,454 |
| Noninterest expense to average assets | 2.5007% | 5,144 |
| Loan and lease loss provision to assets | 0.0082% | 5,181 |
| Net operating income to assets | 0.6404% | 4,170 |
| Return on assets (ROA) | 0.6404% | 4,379 |
| Pretax return on assets | 0.6667% | 4,894 |
| Return on Equity (ROE) | 6.8486% | 3,863 |
| Retained earnings to average equity (ytd only) | 4.1373% | 4,113 |
| Net charge-offs to loans | 0.0528% | 3,972 |
| Credit loss provision to net charge-offs | 45.4545% | 3,356 |
| Earnings coverage of net charge-offs (x) | 37.2727% | 790 |
| Efficiency ratio | 78.7455% | 2,393 |
| Assets per employee ($millions) | 4.5031% | 2,993 |
| Cash dividends to net income (ytd only)* | 39.5887% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9195% | 6,496 |
| Loan loss allowance to noncurrent loans | 50.2257% | 5,064 |
| Noncurrent assets plus other real estate owned to assets | 0.6965% | 5,156 |
| Noncurrent loans to loans | 1.8307% | 3,366 |
| Net loans and leases to total assets | 33.8939% | 6,750 |
| Net loans and leases to deposits | 37.8974% | 6,820 |
| Net loans and leases to core deposits | 40.0663% | 6,815 |
| Total domestic deposits to total assets | 89.4359% | 1,406 |
| Equity capital to assets | 9.1973% | 5,235 |
| Core capital (leverage) ratio | 8.5449% | 5,516 |
| Tier 1 risk-based capital ratio | 23.6519% | 1,049 |
| Total risk-based capital ratio | 24.5864% | 1,068 |
| Memoranda: | ||
| Average total assets | $242,974,000 | 2,637 |
| Average earning assets | $224,618,000 | 2,606 |
| Average equity | $22,720,000 | 2,879 |
| Average total loans | $83,309,500 | 4,031 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2557% | 5,902 |
| Cost of funding earning assets | 1.0817% | 2,797 |
| Net interest margin | 3.1740% | 6,165 |
| Noninterest income to average assets | 0.6785% | 2,735 |
| Noninterest expense to average assets | 2.7457% | 4,576 |
| Loan and lease loss provision to assets | 0.0398% | 6,073 |
| Net operating income to assets | 0.7258% | 3,353 |
| Return on assets (ROA) | 0.7653% | 3,360 |
| Pretax return on assets | 0.8426% | 3,810 |
| Return on Equity (ROE) | 7.9791% | 2,911 |
| Retained earnings to average equity (ytd only) | 5.0476% | 2,605 |
| Net charge-offs to loans | 0.2972% | 3,920 |
| Credit loss provision to net charge-offs | 36.9748% | 5,679 |
| Earnings coverage of net charge-offs (x) | 7.7983% | 2,257 |
| Efficiency ratio | 76.5952% | 2,813 |
| Assets per employee ($millions) | 4.4126% | 3,047 |
| Cash dividends to net income (ytd only)* | 36.7395% | 2,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9573% | 6,372 |
| Loan loss allowance to noncurrent loans | 51.0417% | 4,964 |
| Noncurrent assets plus other real estate owned to assets | 0.7277% | 5,185 |
| Noncurrent loans to loans | 1.8756% | 3,373 |
| Net loans and leases to total assets | 34.0405% | 6,870 |
| Net loans and leases to deposits | 38.2408% | 6,942 |
| Net loans and leases to core deposits | 40.1559% | 6,937 |
| Total domestic deposits to total assets | 89.0162% | 1,526 |
| Equity capital to assets | 9.5103% | 4,877 |
| Core capital (leverage) ratio | 8.6884% | 5,271 |
| Tier 1 risk-based capital ratio | 23.5178% | 1,025 |
| Total risk-based capital ratio | 24.4695% | 1,057 |
| Memoranda: | ||
| Average total assets | $221,222,000 | 2,825 |
| Average earning assets | $202,552,400 | 2,819 |
| Average equity | $21,218,000 | 2,986 |
| Average total loans | $80,071,400 | 4,137 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2765% | 6,014 |
| Cost of funding earning assets | 1.0961% | 3,009 |
| Net interest margin | 3.1804% | 6,202 |
| Noninterest income to average assets | 0.6735% | 2,749 |
| Noninterest expense to average assets | 2.7532% | 4,523 |
| Loan and lease loss provision to assets | 0.0399% | 5,942 |
| Net operating income to assets | 0.7121% | 3,547 |
| Return on assets (ROA) | 0.7559% | 3,524 |
| Pretax return on assets | 0.8487% | 3,955 |
| Return on Equity (ROE) | 7.8628% | 3,102 |
| Retained earnings to average equity (ytd only) | 4.9094% | 3,237 |
| Net charge-offs to loans | 0.3919% | 3,155 |
| Credit loss provision to net charge-offs | 27.7778% | 5,442 |
| Earnings coverage of net charge-offs (x) | 5.8377% | 2,686 |
| Efficiency ratio | 76.6336% | 2,738 |
| Assets per employee ($millions) | 4.4241% | 3,042 |
| Cash dividends to net income (ytd only)* | 37.5607% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9401% | 6,483 |
| Loan loss allowance to noncurrent loans | 68.3929% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 0.5190% | 5,785 |
| Noncurrent loans to loans | 1.3746% | 4,233 |
| Net loans and leases to total assets | 33.7846% | 6,966 |
| Net loans and leases to deposits | 38.1756% | 7,031 |
| Net loans and leases to core deposits | 40.0860% | 7,042 |
| Total domestic deposits to total assets | 88.4978% | 1,761 |
| Equity capital to assets | 9.4604% | 5,146 |
| Core capital (leverage) ratio | 8.8890% | 5,125 |
| Tier 1 risk-based capital ratio | 22.7387% | 1,181 |
| Total risk-based capital ratio | 23.6523% | 1,204 |
| Memoranda: | ||
| Average total assets | $216,958,000 | 2,879 |
| Average earning assets | $199,130,000 | 2,875 |
| Average equity | $20,857,250 | 3,030 |
| Average total loans | $79,615,500 | 4,185 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3505% | 5,847 |
| Cost of funding earning assets | 1.1237% | 3,079 |
| Net interest margin | 3.2267% | 6,075 |
| Noninterest income to average assets | 0.7012% | 2,549 |
| Noninterest expense to average assets | 2.8105% | 4,385 |
| Loan and lease loss provision to assets | 0.0458% | 5,737 |
| Net operating income to assets | 0.7351% | 3,364 |
| Return on assets (ROA) | 0.7403% | 3,458 |
| Pretax return on assets | 0.8119% | 3,981 |
| Return on Equity (ROE) | 7.6544% | 3,121 |
| Retained earnings to average equity (ytd only) | 4.2316% | 3,504 |
| Net charge-offs to loans | 0.4380% | 2,820 |
| Credit loss provision to net charge-offs | 27.7457% | 5,025 |
| Earnings coverage of net charge-offs (x) | 5.1618% | 2,678 |
| Efficiency ratio | 76.7387% | 2,896 |
| Assets per employee ($millions) | 4.2541% | 3,245 |
| Cash dividends to net income (ytd only)* | 44.7165% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0136% | 6,277 |
| Loan loss allowance to noncurrent loans | 51.7263% | 4,917 |
| Noncurrent assets plus other real estate owned to assets | 0.7260% | 5,453 |
| Noncurrent loans to loans | 1.9596% | 3,532 |
| Net loans and leases to total assets | 35.7139% | 6,976 |
| Net loans and leases to deposits | 40.4118% | 7,049 |
| Net loans and leases to core deposits | 42.7362% | 7,048 |
| Total domestic deposits to total assets | 88.3749% | 1,930 |
| Equity capital to assets | 9.6446% | 4,605 |
| Core capital (leverage) ratio | 9.2110% | 4,387 |
| Tier 1 risk-based capital ratio | 22.3203% | 1,211 |
| Total risk-based capital ratio | 23.2761% | 1,219 |
| Memoranda: | ||
| Average total assets | $209,643,330 | 2,979 |
| Average earning assets | $192,393,000 | 2,965 |
| Average equity | $20,276,000 | 3,087 |
| Average total loans | $78,994,670 | 4,259 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3159% | 5,970 |
| Cost of funding earning assets | 1.1436% | 3,198 |
| Net interest margin | 3.1722% | 6,161 |
| Noninterest income to average assets | 0.7064% | 2,543 |
| Noninterest expense to average assets | 2.7921% | 4,476 |
| Loan and lease loss provision to assets | 0.0510% | 5,363 |
| Net operating income to assets | 0.6809% | 3,605 |
| Return on assets (ROA) | 0.6809% | 3,669 |
| Pretax return on assets | 0.7750% | 3,991 |
| Return on Equity (ROE) | 7.0291% | 3,361 |
| Retained earnings to average equity (ytd only) | 3.1195% | 4,297 |
| Net charge-offs to loans | 0.7584% | 1,705 |
| Credit loss provision to net charge-offs | 17.4497% | 4,288 |
| Earnings coverage of net charge-offs (x) | 2.8255% | 2,952 |
| Efficiency ratio | 77.1692% | 2,959 |
| Assets per employee ($millions) | 4.1098% | 3,616 |
| Cash dividends to net income (ytd only)* | 55.6196% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0292% | 6,287 |
| Loan loss allowance to noncurrent loans | 54.2724% | 4,746 |
| Noncurrent assets plus other real estate owned to assets | 0.7463% | 5,437 |
| Noncurrent loans to loans | 1.8964% | 3,704 |
| Net loans and leases to total assets | 36.5811% | 6,976 |
| Net loans and leases to deposits | 41.2600% | 7,052 |
| Net loans and leases to core deposits | 43.8822% | 7,042 |
| Total domestic deposits to total assets | 88.6598% | 1,982 |
| Equity capital to assets | 9.3070% | 4,716 |
| Core capital (leverage) ratio | 9.4268% | 3,919 |
| Tier 1 risk-based capital ratio | 21.9899% | 1,228 |
| Total risk-based capital ratio | 22.9483% | 1,253 |
| Memoranda: | ||
| Average total assets | $203,859,500 | 3,070 |
| Average earning assets | $187,123,000 | 3,054 |
| Average equity | $19,746,500 | 3,156 |
| Average total loans | $78,586,000 | 4,305 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5823% | 6,162 |
| Cost of funding earning assets | 1.2378% | 4,306 |
| Net interest margin | 3.3445% | 5,814 |
| Noninterest income to average assets | 0.7598% | 2,485 |
| Noninterest expense to average assets | 2.9175% | 4,152 |
| Loan and lease loss provision to assets | 0.2449% | 4,839 |
| Net operating income to assets | 0.6911% | 3,263 |
| Return on assets (ROA) | 0.7802% | 3,009 |
| Pretax return on assets | 0.7425% | 3,825 |
| Return on Equity (ROE) | 7.4597% | 2,913 |
| Retained earnings to average equity (ytd only) | 3.4942% | 3,423 |
| Net charge-offs to loans | 0.2810% | 4,615 |
| Credit loss provision to net charge-offs | 221.3270% | 1,355 |
| Earnings coverage of net charge-offs (x) | 8.1185% | 2,009 |
| Efficiency ratio | 76.4601% | 2,973 |
| Assets per employee ($millions) | 3.8041% | 4,247 |
| Cash dividends to net income (ytd only)* | 53.1586% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1972% | 5,527 |
| Loan loss allowance to noncurrent loans | 68.9249% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 0.7541% | 5,499 |
| Noncurrent loans to loans | 1.7370% | 3,896 |
| Net loans and leases to total assets | 39.8155% | 6,973 |
| Net loans and leases to deposits | 45.5500% | 7,059 |
| Net loans and leases to core deposits | 48.2194% | 7,059 |
| Total domestic deposits to total assets | 87.4104% | 2,608 |
| Equity capital to assets | 10.1041% | 3,610 |
| Core capital (leverage) ratio | 9.9351% | 3,156 |
| Tier 1 risk-based capital ratio | 22.3894% | 1,126 |
| Total risk-based capital ratio | 23.5203% | 1,116 |
| Memoranda: | ||
| Average total assets | $190,712,800 | 3,218 |
| Average earning assets | $174,256,000 | 3,201 |
| Average equity | $19,947,200 | 3,152 |
| Average total loans | $75,097,800 | 4,479 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5933% | 6,349 |
| Cost of funding earning assets | 1.2525% | 4,558 |
| Net interest margin | 3.3408% | 5,882 |
| Noninterest income to average assets | 0.7625% | 2,435 |
| Noninterest expense to average assets | 2.9989% | 3,750 |
| Loan and lease loss provision to assets | 0.2219% | 4,839 |
| Net operating income to assets | 0.6586% | 3,606 |
| Return on assets (ROA) | 0.7113% | 3,517 |
| Pretax return on assets | 0.6453% | 4,441 |
| Return on Equity (ROE) | 6.7419% | 3,464 |
| Retained earnings to average equity (ytd only) | 2.7420% | 4,510 |
| Net charge-offs to loans | 0.4000% | 3,685 |
| Credit loss provision to net charge-offs | 141.7040% | 2,791 |
| Earnings coverage of net charge-offs (x) | 5.2017% | 2,817 |
| Efficiency ratio | 78.6411% | 2,537 |
| Assets per employee ($millions) | 3.7663% | 4,349 |
| Cash dividends to net income (ytd only)* | 59.3286% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0202% | 6,304 |
| Loan loss allowance to noncurrent loans | 64.0664% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 0.6689% | 5,777 |
| Noncurrent loans to loans | 1.5924% | 4,254 |
| Net loans and leases to total assets | 38.2435% | 7,173 |
| Net loans and leases to deposits | 44.0465% | 7,241 |
| Net loans and leases to core deposits | 46.4495% | 7,253 |
| Total domestic deposits to total assets | 86.8253% | 2,633 |
| Equity capital to assets | 10.5497% | 3,464 |
| Core capital (leverage) ratio | 9.8859% | 3,375 |
| Tier 1 risk-based capital ratio | 22.2832% | 1,168 |
| Total risk-based capital ratio | 23.3043% | 1,169 |
| Memoranda: | ||
| Average total assets | $189,888,500 | 3,275 |
| Average earning assets | $173,408,500 | 3,261 |
| Average equity | $20,033,250 | 3,191 |
| Average total loans | $74,326,750 | 4,590 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6341% | 6,358 |
| Cost of funding earning assets | 1.2648% | 4,745 |
| Net interest margin | 3.3693% | 5,758 |
| Noninterest income to average assets | 0.7834% | 2,217 |
| Noninterest expense to average assets | 3.0228% | 3,627 |
| Loan and lease loss provision to assets | 0.3406% | 3,696 |
| Net operating income to assets | 0.6269% | 3,745 |
| Return on assets (ROA) | 0.6897% | 3,597 |
| Pretax return on assets | 0.5620% | 4,697 |
| Return on Equity (ROE) | 6.5375% | 3,534 |
| Retained earnings to average equity (ytd only) | 2.5020% | 4,564 |
| Net charge-offs to loans | 0.5929% | 2,748 |
| Credit loss provision to net charge-offs | 146.1187% | 2,708 |
| Earnings coverage of net charge-offs (x) | 3.6027% | 3,248 |
| Efficiency ratio | 78.2585% | 2,683 |
| Assets per employee ($millions) | 3.8825% | 4,025 |
| Cash dividends to net income (ytd only)* | 61.7284% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0189% | 6,319 |
| Loan loss allowance to noncurrent loans | 49.4304% | 4,993 |
| Noncurrent assets plus other real estate owned to assets | 0.8857% | 5,348 |
| Noncurrent loans to loans | 2.0613% | 3,643 |
| Net loans and leases to total assets | 39.8815% | 7,169 |
| Net loans and leases to deposits | 46.4605% | 7,229 |
| Net loans and leases to core deposits | 49.3894% | 7,238 |
| Total domestic deposits to total assets | 85.8395% | 3,183 |
| Equity capital to assets | 10.5918% | 3,292 |
| Core capital (leverage) ratio | 9.8479% | 3,345 |
| Tier 1 risk-based capital ratio | 21.9697% | 1,206 |
| Total risk-based capital ratio | 22.9911% | 1,214 |
| Memoranda: | ||
| Average total assets | $187,903,000 | 3,337 |
| Average earning assets | $171,725,330 | 3,314 |
| Average equity | $19,824,000 | 3,197 |
| Average total loans | $73,879,000 | 4,645 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5879% | 6,591 |
| Cost of funding earning assets | 1.2744% | 4,968 |
| Net interest margin | 3.3134% | 5,917 |
| Noninterest income to average assets | 0.8119% | 1,962 |
| Noninterest expense to average assets | 3.1039% | 3,253 |
| Loan and lease loss provision to assets | 0.2571% | 3,984 |
| Net operating income to assets | 0.8204% | 2,880 |
| Return on assets (ROA) | 0.9232% | 2,523 |
| Pretax return on assets | 0.5891% | 4,653 |
| Return on Equity (ROE) | 8.7686% | 2,574 |
| Retained earnings to average equity (ytd only) | 3.1331% | 4,265 |
| Net charge-offs to loans | 0.1324% | 4,163 |
| Credit loss provision to net charge-offs | 500.0000% | 830 |
| Earnings coverage of net charge-offs (x) | 14.4583% | 1,428 |
| Efficiency ratio | 80.6793% | 2,459 |
| Assets per employee ($millions) | 4.0097% | 3,848 |
| Cash dividends to net income (ytd only)* | 64.2691% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0635% | 6,167 |
| Loan loss allowance to noncurrent loans | 39.1326% | 5,748 |
| Noncurrent assets plus other real estate owned to assets | 1.0589% | 5,027 |
| Noncurrent loans to loans | 2.7177% | 2,941 |
| Net loans and leases to total assets | 37.5078% | 7,365 |
| Net loans and leases to deposits | 44.7823% | 7,373 |
| Net loans and leases to core deposits | 48.1877% | 7,353 |
| Total domestic deposits to total assets | 83.7559% | 4,259 |
| Equity capital to assets | 10.2388% | 3,550 |
| Core capital (leverage) ratio | 10.0989% | 3,043 |
| Tier 1 risk-based capital ratio | 21.7636% | 1,229 |
| Total risk-based capital ratio | 22.7747% | 1,244 |
| Memoranda: | ||
| Average total assets | $186,734,000 | 3,406 |
| Average earning assets | $171,060,500 | 3,387 |
| Average equity | $19,661,000 | 3,246 |
| Average total loans | $72,492,500 | 4,764 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9890% | 6,471 |
| Cost of funding earning assets | 1.4165% | 5,855 |
| Net interest margin | 3.5725% | 4,642 |
| Noninterest income to average assets | 0.8618% | 2,135 |
| Noninterest expense to average assets | 3.0811% | 3,829 |
| Loan and lease loss provision to assets | 0.1077% | 6,566 |
| Net operating income to assets | 0.7469% | 2,735 |
| Return on assets (ROA) | 0.7793% | 2,699 |
| Pretax return on assets | 0.9962% | 2,605 |
| Return on Equity (ROE) | 7.5803% | 2,547 |
| Retained earnings to average equity (ytd only) | 5.2998% | 1,674 |
| Net charge-offs to loans | 0.2501% | 5,060 |
| Credit loss provision to net charge-offs | 108.8398% | 5,079 |
| Earnings coverage of net charge-offs (x) | 10.7403% | 1,652 |
| Efficiency ratio | 74.3603% | 3,820 |
| Assets per employee ($millions) | 3.7709% | 4,353 |
| Cash dividends to net income (ytd only)* | 30.0842% | 3,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9442% | 6,655 |
| Loan loss allowance to noncurrent loans | 33.5968% | 6,200 |
| Noncurrent assets plus other real estate owned to assets | 1.1552% | 4,784 |
| Noncurrent loans to loans | 2.8103% | 2,750 |
| Net loans and leases to total assets | 39.4135% | 7,378 |
| Net loans and leases to deposits | 46.6644% | 7,414 |
| Net loans and leases to core deposits | 52.3397% | 7,516 |
| Total domestic deposits to total assets | 84.4617% | 3,814 |
| Equity capital to assets | 10.8373% | 2,836 |
| Core capital (leverage) ratio | 10.1584% | 2,941 |
| Tier 1 risk-based capital ratio | 22.1568% | 1,133 |
| Total risk-based capital ratio | 23.0795% | 1,151 |
| Memoranda: | ||
| Average total assets | $182,986,600 | 3,389 |
| Average earning assets | $168,090,400 | 3,383 |
| Average equity | $18,812,000 | 3,371 |
| Average total loans | $72,381,400 | 4,787 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9707% | 6,696 |
| Cost of funding earning assets | 1.4400% | 6,082 |
| Net interest margin | 3.5307% | 4,742 |
| Noninterest income to average assets | 0.8437% | 2,230 |
| Noninterest expense to average assets | 3.0491% | 3,845 |
| Loan and lease loss provision to assets | 0.0342% | 7,015 |
| Net operating income to assets | 0.7754% | 2,915 |
| Return on assets (ROA) | 0.7964% | 2,891 |
| Pretax return on assets | 1.0413% | 2,773 |
| Return on Equity (ROE) | 7.8518% | 2,707 |
| Retained earnings to average equity (ytd only) | 4.8142% | 2,598 |
| Net charge-offs to loans | 0.0405% | 6,339 |
| Credit loss provision to net charge-offs | 213.6364% | 2,057 |
| Earnings coverage of net charge-offs (x) | 65.5513% | 504 |
| Efficiency ratio | 74.4236% | 3,799 |
| Assets per employee ($millions) | 4.0139% | 3,706 |
| Cash dividends to net income (ytd only)* | 38.6861% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9524% | 6,527 |
| Loan loss allowance to noncurrent loans | 30.8415% | 6,398 |
| Noncurrent assets plus other real estate owned to assets | 1.2202% | 4,629 |
| Noncurrent loans to loans | 3.0879% | 2,446 |
| Net loans and leases to total assets | 37.9840% | 7,548 |
| Net loans and leases to deposits | 44.7024% | 7,603 |
| Net loans and leases to core deposits | 53.0419% | 7,623 |
| Total domestic deposits to total assets | 84.9708% | 3,252 |
| Equity capital to assets | 10.2999% | 3,737 |
| Core capital (leverage) ratio | 9.7290% | 3,604 |
| Tier 1 risk-based capital ratio | 21.5166% | 1,288 |
| Total risk-based capital ratio | 22.4394% | 1,327 |
| Memoranda: | ||
| Average total assets | $183,482,250 | 3,410 |
| Average earning assets | $169,067,000 | 3,384 |
| Average equity | $18,611,000 | 3,434 |
| Average total loans | $72,471,750 | 4,828 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0080% | 6,742 |
| Cost of funding earning assets | 1.4802% | 6,217 |
| Net interest margin | 3.5278% | 4,665 |
| Noninterest income to average assets | 0.7780% | 2,530 |
| Noninterest expense to average assets | 3.0832% | 3,766 |
| Loan and lease loss provision to assets | 0.0880% | 6,288 |
| Net operating income to assets | 0.7174% | 3,177 |
| Return on assets (ROA) | 0.7174% | 3,283 |
| Pretax return on assets | 0.8638% | 3,462 |
| Return on Equity (ROE) | 7.1110% | 3,160 |
| Retained earnings to average equity (ytd only) | 5.4314% | 2,278 |
| Net charge-offs to loans | 0.1048% | 5,113 |
| Credit loss provision to net charge-offs | 210.5263% | 2,177 |
| Earnings coverage of net charge-offs (x) | 22.7632% | 1,208 |
| Efficiency ratio | 76.4112% | 3,617 |
| Assets per employee ($millions) | 3.7682% | 4,179 |
| Cash dividends to net income (ytd only)* | 23.6196% | 3,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9643% | 6,478 |
| Loan loss allowance to noncurrent loans | 35.0746% | 6,106 |
| Noncurrent assets plus other real estate owned to assets | 1.1270% | 4,697 |
| Noncurrent loans to loans | 2.7493% | 2,618 |
| Net loans and leases to total assets | 39.2137% | 7,583 |
| Net loans and leases to deposits | 46.5068% | 7,616 |
| Net loans and leases to core deposits | 56.0315% | 7,587 |
| Total domestic deposits to total assets | 84.3183% | 3,586 |
| Equity capital to assets | 10.0454% | 3,877 |
| Core capital (leverage) ratio | 9.8422% | 3,462 |
| Tier 1 risk-based capital ratio | 21.0805% | 1,378 |
| Total risk-based capital ratio | 21.9746% | 1,402 |
| Memoranda: | ||
| Average total assets | $181,758,670 | 3,457 |
| Average earning assets | $167,810,000 | 3,431 |
| Average equity | $18,337,670 | 3,502 |
| Average total loans | $72,513,330 | 4,863 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0475% | 6,800 |
| Cost of funding earning assets | 1.5291% | 6,313 |
| Net interest margin | 3.5184% | 4,654 |
| Noninterest income to average assets | 0.7698% | 2,486 |
| Noninterest expense to average assets | 2.8860% | 4,204 |
| Loan and lease loss provision to assets | 0.1109% | 5,544 |
| Net operating income to assets | 0.8674% | 2,853 |
| Return on assets (ROA) | 0.8674% | 2,997 |
| Pretax return on assets | 1.0293% | 3,248 |
| Return on Equity (ROE) | 8.5781% | 2,899 |
| Retained earnings to average equity (ytd only) | 8.5781% | 1,610 |
| Net charge-offs to loans | 0.0665% | 4,542 |
| Credit loss provision to net charge-offs | 416.6667% | 1,264 |
| Earnings coverage of net charge-offs (x) | 42.8333% | 806 |
| Efficiency ratio | 71.6804% | 4,240 |
| Assets per employee ($millions) | 3.7957% | 4,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9780% | 6,325 |
| Loan loss allowance to noncurrent loans | 33.9632% | 6,269 |
| Noncurrent assets plus other real estate owned to assets | 1.2286% | 4,228 |
| Noncurrent loans to loans | 2.8796% | 2,268 |
| Net loans and leases to total assets | 38.1618% | 7,659 |
| Net loans and leases to deposits | 45.8910% | 7,668 |
| Net loans and leases to core deposits | 54.0572% | 7,678 |
| Total domestic deposits to total assets | 83.1574% | 4,066 |
| Equity capital to assets | 9.9539% | 4,049 |
| Core capital (leverage) ratio | 9.7258% | 3,717 |
| Tier 1 risk-based capital ratio | 20.9465% | 1,457 |
| Total risk-based capital ratio | 21.8296% | 1,484 |
| Memoranda: | ||
| Average total assets | $180,317,000 | 3,504 |
| Average earning assets | $166,893,500 | 3,466 |
| Average equity | $18,232,500 | 3,529 |
| Average total loans | $72,215,000 | 4,897 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5373% | 7,211 |
| Cost of funding earning assets | 1.7951% | 7,023 |
| Net interest margin | 3.7422% | 4,263 |
| Noninterest income to average assets | 0.9421% | 1,805 |
| Noninterest expense to average assets | 3.1054% | 3,673 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.0555% | 2,332 |
| Return on assets (ROA) | 1.0519% | 2,240 |
| Pretax return on assets | 1.2463% | 2,493 |
| Return on Equity (ROE) | 10.0235% | 2,254 |
| Retained earnings to average equity (ytd only) | 5.0205% | 2,015 |
| Net charge-offs to loans | 0.0700% | 5,773 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 40.7800% | 907 |
| Efficiency ratio | 71.2898% | 4,067 |
| Assets per employee ($millions) | 3.4929% | 4,681 |
| Cash dividends to net income (ytd only)* | 49.9125% | 3,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9113% | 6,613 |
| Loan loss allowance to noncurrent loans | 35.1724% | 6,398 |
| Noncurrent assets plus other real estate owned to assets | 1.1652% | 3,931 |
| Noncurrent loans to loans | 2.5910% | 2,090 |
| Net loans and leases to total assets | 41.2775% | 7,616 |
| Net loans and leases to deposits | 51.6397% | 7,554 |
| Net loans and leases to core deposits | 56.3432% | 7,731 |
| Total domestic deposits to total assets | 79.9338% | 5,046 |
| Equity capital to assets | 10.2790% | 3,732 |
| Core capital (leverage) ratio | 10.1178% | 3,345 |
| Tier 1 risk-based capital ratio | 20.7431% | 1,496 |
| Total risk-based capital ratio | 21.6159% | 1,525 |
| Memoranda: | ||
| Average total assets | $163,040,000 | 3,666 |
| Average earning assets | $148,736,000 | 3,679 |
| Average equity | $17,109,800 | 3,720 |
| Average total loans | $71,453,400 | 4,812 |