Home > The First National Bank of Groton > Performance and Condition Ratios
The First National Bank of Groton, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8511% | 3,367 |
| Cost of funding earning assets | 0.5817% | 4,256 |
| Net interest margin | 4.2694% | 867 |
| Noninterest income to average assets | 0.3900% | 2,290 |
| Noninterest expense to average assets | 3.0531% | 1,058 |
| Loan and lease loss provision to assets | -0.0500% | 4,271 |
| Net operating income to assets | 1.2444% | 1,615 |
| Return on assets (ROA) | 1.2444% | 1,616 |
| Pretax return on assets | 1.5011% | 1,512 |
| Return on Equity (ROE) | 10.4200% | 2,198 |
| Retained earnings to average equity (ytd only) | 10.4182% | 1,097 |
| Net charge-offs to loans | -0.0675% | 4,339 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 67.8276% | 2,059 |
| Assets per employee ($millions) | 5.9679% | 2,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3317% | 1,559 |
| Loan loss allowance to noncurrent loans | 104.1763% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 0.6190% | 1,215 |
| Noncurrent loans to loans | 1.2783% | 813 |
| Net loans and leases to total assets | 47.7800% | 3,678 |
| Net loans and leases to deposits | 54.3605% | 3,717 |
| Net loans and leases to core deposits | 58.5669% | 3,741 |
| Total domestic deposits to total assets | 87.8900% | 1,597 |
| Equity capital to assets | 12.0114% | 1,221 |
| Core capital (leverage) ratio | 14.4341% | 695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $204,119,000 | 2,990 |
| Average earning assets | $196,654,500 | 2,937 |
| Average equity | $24,380,500 | 2,738 |
| Average total loans | $100,700,000 | 3,214 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4657% | 3,909 |
| Cost of funding earning assets | 0.6319% | 4,264 |
| Net interest margin | 3.8338% | 1,439 |
| Noninterest income to average assets | 0.4200% | 2,351 |
| Noninterest expense to average assets | 2.9854% | 1,171 |
| Loan and lease loss provision to assets | -0.0300% | 4,205 |
| Net operating income to assets | 0.9940% | 2,079 |
| Return on assets (ROA) | -0.1243% | 4,276 |
| Pretax return on assets | -0.2666% | 4,307 |
| Return on Equity (ROE) | -1.0300% | 4,249 |
| Retained earnings to average equity (ytd only) | -6.0430% | 4,322 |
| Net charge-offs to loans | 0.0482% | 1,668 |
| Credit loss provision to net charge-offs | -165.9574% | 4,383 |
| Earnings coverage of net charge-offs (x) | 47.6170% | 1,243 |
| Efficiency ratio | 72.6940% | 1,704 |
| Assets per employee ($millions) | 5.6961% | 3,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3396% | 1,513 |
| Loan loss allowance to noncurrent loans | 91.7977% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 0.8106% | 888 |
| Noncurrent loans to loans | 1.4593% | 667 |
| Net loans and leases to total assets | 49.6100% | 3,650 |
| Net loans and leases to deposits | 56.6217% | 3,681 |
| Net loans and leases to core deposits | 61.0874% | 3,709 |
| Total domestic deposits to total assets | 87.6200% | 1,663 |
| Equity capital to assets | 11.8739% | 1,226 |
| Core capital (leverage) ratio | 14.2689% | 720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $199,570,400 | 3,002 |
| Average earning assets | $192,131,200 | 2,942 |
| Average equity | $23,961,800 | 2,696 |
| Average total loans | $97,603,600 | 3,229 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3349% | 4,028 |
| Cost of funding earning assets | 0.6361% | 4,286 |
| Net interest margin | 3.6988% | 1,640 |
| Noninterest income to average assets | 0.4400% | 2,183 |
| Noninterest expense to average assets | 2.9702% | 1,148 |
| Loan and lease loss provision to assets | 0.0200% | 2,606 |
| Net operating income to assets | 0.8922% | 2,405 |
| Return on assets (ROA) | -0.5984% | 4,427 |
| Pretax return on assets | -0.8763% | 4,448 |
| Return on Equity (ROE) | -4.9700% | 4,385 |
| Retained earnings to average equity (ytd only) | -8.0328% | 4,407 |
| Net charge-offs to loans | 0.0454% | 1,458 |
| Credit loss provision to net charge-offs | -78.7879% | 4,384 |
| Earnings coverage of net charge-offs (x) | 46.6970% | 1,245 |
| Efficiency ratio | 74.2652% | 1,557 |
| Assets per employee ($millions) | 5.7750% | 3,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4323% | 1,239 |
| Loan loss allowance to noncurrent loans | 63.6405% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 1.2172% | 496 |
| Noncurrent loans to loans | 2.2507% | 330 |
| Net loans and leases to total assets | 49.3800% | 3,666 |
| Net loans and leases to deposits | 57.5381% | 3,686 |
| Net loans and leases to core deposits | 62.2301% | 3,708 |
| Total domestic deposits to total assets | 85.8300% | 1,997 |
| Equity capital to assets | 12.7874% | 1,027 |
| Core capital (leverage) ratio | 14.4751% | 713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $199,622,500 | 2,999 |
| Average earning assets | $192,201,750 | 2,939 |
| Average equity | $24,034,250 | 2,687 |
| Average total loans | $96,941,500 | 3,242 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1993% | 4,133 |
| Cost of funding earning assets | 0.5807% | 4,311 |
| Net interest margin | 3.6186% | 1,756 |
| Noninterest income to average assets | 0.4000% | 2,384 |
| Noninterest expense to average assets | 2.9515% | 1,171 |
| Loan and lease loss provision to assets | 0.0300% | 2,286 |
| Net operating income to assets | 0.8201% | 2,560 |
| Return on assets (ROA) | 0.8201% | 2,576 |
| Pretax return on assets | 0.9127% | 2,733 |
| Return on Equity (ROE) | 6.9500% | 3,015 |
| Retained earnings to average equity (ytd only) | 2.2892% | 3,254 |
| Net charge-offs to loans | 0.0581% | 1,188 |
| Credit loss provision to net charge-offs | 25.0000% | 1,927 |
| Earnings coverage of net charge-offs (x) | 33.6429% | 1,338 |
| Efficiency ratio | 75.8709% | 1,472 |
| Assets per employee ($millions) | 5.8054% | 2,967 |
| Cash dividends to net income (ytd only)* | 67.0717% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4852% | 1,115 |
| Loan loss allowance to noncurrent loans | 75.2862% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 0.9737% | 624 |
| Noncurrent loans to loans | 1.9728% | 391 |
| Net loans and leases to total assets | 48.6300% | 3,717 |
| Net loans and leases to deposits | 56.4845% | 3,735 |
| Net loans and leases to core deposits | 60.6487% | 3,738 |
| Total domestic deposits to total assets | 86.0900% | 1,951 |
| Equity capital to assets | 11.8552% | 1,217 |
| Core capital (leverage) ratio | 14.7469% | 661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $200,713,333 | 2,991 |
| Average earning assets | $193,554,333 | 2,932 |
| Average equity | $23,676,333 | 2,669 |
| Average total loans | $96,465,000 | 3,249 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1268% | 4,146 |
| Cost of funding earning assets | 0.5366% | 4,339 |
| Net interest margin | 3.5902% | 1,752 |
| Noninterest income to average assets | 0.4100% | 2,241 |
| Noninterest expense to average assets | 2.8896% | 1,259 |
| Loan and lease loss provision to assets | -0.0500% | 4,346 |
| Net operating income to assets | 0.9131% | 2,200 |
| Return on assets (ROA) | 0.9131% | 2,211 |
| Pretax return on assets | 1.0317% | 2,299 |
| Return on Equity (ROE) | 7.7600% | 2,765 |
| Retained earnings to average equity (ytd only) | 7.7600% | 1,621 |
| Net charge-offs to loans | -0.0667% | 4,391 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 74.5918% | 1,680 |
| Assets per employee ($millions) | 5.6424% | 3,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5068% | 1,059 |
| Loan loss allowance to noncurrent loans | 71.9090% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 0.9954% | 586 |
| Noncurrent loans to loans | 2.0954% | 305 |
| Net loans and leases to total assets | 46.7900% | 3,773 |
| Net loans and leases to deposits | 53.0493% | 3,811 |
| Net loans and leases to core deposits | 56.8297% | 3,878 |
| Total domestic deposits to total assets | 88.2000% | 1,359 |
| Equity capital to assets | 11.7133% | 1,222 |
| Core capital (leverage) ratio | 14.7923% | 633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $202,379,000 | 2,984 |
| Average earning assets | $195,307,500 | 2,928 |
| Average equity | $23,814,500 | 2,669 |
| Average total loans | $95,984,500 | 3,262 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0069% | 3,956 |
| Cost of funding earning assets | 0.3645% | 4,324 |
| Net interest margin | 3.6424% | 1,876 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 2.6887% | 1,765 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.9780% | 2,283 |
| Return on assets (ROA) | 0.9780% | 2,274 |
| Pretax return on assets | 1.1099% | 2,383 |
| Return on Equity (ROE) | 9.2200% | 2,701 |
| Retained earnings to average equity (ytd only) | 3.8804% | 3,001 |
| Net charge-offs to loans | 0.1772% | 604 |
| Credit loss provision to net charge-offs | 129.3413% | 1,605 |
| Earnings coverage of net charge-offs (x) | 15.1976% | 2,051 |
| Efficiency ratio | 68.9085% | 2,017 |
| Assets per employee ($millions) | 5.7602% | 3,014 |
| Cash dividends to net income (ytd only)* | 57.9179% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5607% | 915 |
| Loan loss allowance to noncurrent loans | 69.8547% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 1.1111% | 414 |
| Noncurrent loans to loans | 2.2341% | 235 |
| Net loans and leases to total assets | 46.6200% | 3,790 |
| Net loans and leases to deposits | 53.1533% | 3,829 |
| Net loans and leases to core deposits | 57.1204% | 3,870 |
| Total domestic deposits to total assets | 87.7000% | 1,450 |
| Equity capital to assets | 11.8229% | 1,195 |
| Core capital (leverage) ratio | 14.4311% | 716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $209,212,200 | 2,921 |
| Average earning assets | $201,102,800 | 2,856 |
| Average equity | $22,188,200 | 2,675 |
| Average total loans | $94,234,000 | 3,239 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9547% | 3,913 |
| Cost of funding earning assets | 0.3177% | 4,342 |
| Net interest margin | 3.6370% | 1,908 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 2.6664% | 1,748 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 0.9297% | 2,581 |
| Return on assets (ROA) | 0.9297% | 2,566 |
| Pretax return on assets | 1.0440% | 2,729 |
| Return on Equity (ROE) | 9.0100% | 2,925 |
| Retained earnings to average equity (ytd only) | 5.6696% | 2,728 |
| Net charge-offs to loans | 0.2711% | 319 |
| Credit loss provision to net charge-offs | 121.9895% | 1,473 |
| Earnings coverage of net charge-offs (x) | 9.8743% | 2,149 |
| Efficiency ratio | 69.1225% | 1,884 |
| Assets per employee ($millions) | 5.9355% | 2,812 |
| Cash dividends to net income (ytd only)* | 37.0924% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5541% | 976 |
| Loan loss allowance to noncurrent loans | 68.5622% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 1.0412% | 484 |
| Noncurrent loans to loans | 2.2667% | 233 |
| Net loans and leases to total assets | 45.2200% | 3,860 |
| Net loans and leases to deposits | 50.3762% | 3,920 |
| Net loans and leases to core deposits | 52.8049% | 3,968 |
| Total domestic deposits to total assets | 89.7600% | 1,001 |
| Equity capital to assets | 10.1014% | 1,769 |
| Core capital (leverage) ratio | 14.3641% | 743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $211,113,250 | 2,913 |
| Average earning assets | $202,725,250 | 2,859 |
| Average equity | $21,776,250 | 2,700 |
| Average total loans | $93,924,250 | 3,246 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9259% | 3,824 |
| Cost of funding earning assets | 0.2865% | 4,334 |
| Net interest margin | 3.6394% | 1,942 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 2.6781% | 1,694 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 0.9584% | 2,551 |
| Return on assets (ROA) | 0.9584% | 2,546 |
| Pretax return on assets | 1.0818% | 2,687 |
| Return on Equity (ROE) | 9.2300% | 2,919 |
| Retained earnings to average equity (ytd only) | 4.2740% | 3,136 |
| Net charge-offs to loans | 0.2655% | 314 |
| Credit loss provision to net charge-offs | 87.9032% | 1,516 |
| Earnings coverage of net charge-offs (x) | 10.1371% | 1,999 |
| Efficiency ratio | 69.3340% | 1,828 |
| Assets per employee ($millions) | 5.6195% | 3,042 |
| Cash dividends to net income (ytd only)* | 53.6873% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5141% | 1,136 |
| Loan loss allowance to noncurrent loans | 66.9798% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 1.0542% | 423 |
| Noncurrent loans to loans | 2.2605% | 221 |
| Net loans and leases to total assets | 44.6100% | 3,858 |
| Net loans and leases to deposits | 50.0932% | 3,913 |
| Net loans and leases to core deposits | 52.4282% | 3,936 |
| Total domestic deposits to total assets | 89.0600% | 1,240 |
| Equity capital to assets | 10.5761% | 1,560 |
| Core capital (leverage) ratio | 13.7119% | 830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $212,236,333 | 2,916 |
| Average earning assets | $204,540,667 | 2,859 |
| Average equity | $22,040,000 | 2,691 |
| Average total loans | $93,424,333 | 3,249 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8729% | 3,736 |
| Cost of funding earning assets | 0.2517% | 4,292 |
| Net interest margin | 3.6212% | 2,081 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 2.6139% | 1,913 |
| Loan and lease loss provision to assets | 0.3100% | 269 |
| Net operating income to assets | 0.8228% | 3,126 |
| Return on assets (ROA) | 0.8228% | 3,074 |
| Pretax return on assets | 0.9049% | 3,225 |
| Return on Equity (ROE) | 7.9900% | 3,290 |
| Retained earnings to average equity (ytd only) | 7.9946% | 2,218 |
| Net charge-offs to loans | 0.1505% | 455 |
| Credit loss provision to net charge-offs | 477.1429% | 567 |
| Earnings coverage of net charge-offs (x) | 18.6286% | 1,482 |
| Efficiency ratio | 68.2416% | 1,943 |
| Assets per employee ($millions) | 5.6864% | 3,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6833% | 853 |
| Loan loss allowance to noncurrent loans | 77.1835% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 0.9432% | 453 |
| Noncurrent loans to loans | 2.1808% | 245 |
| Net loans and leases to total assets | 42.5200% | 3,930 |
| Net loans and leases to deposits | 47.5810% | 3,976 |
| Net loans and leases to core deposits | 48.7512% | 4,030 |
| Total domestic deposits to total assets | 89.3600% | 1,393 |
| Equity capital to assets | 10.5862% | 1,516 |
| Core capital (leverage) ratio | 13.5389% | 823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $214,393,500 | 2,947 |
| Average earning assets | $206,563,500 | 2,888 |
| Average equity | $22,065,000 | 2,713 |
| Average total loans | $93,046,000 | 3,292 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5696% | 2,886 |
| Cost of funding earning assets | 0.2250% | 3,550 |
| Net interest margin | 3.3446% | 2,435 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 2.4605% | 2,235 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.9321% | 2,836 |
| Return on assets (ROA) | 0.9321% | 2,783 |
| Pretax return on assets | 1.0453% | 2,929 |
| Return on Equity (ROE) | 8.5900% | 3,235 |
| Retained earnings to average equity (ytd only) | 3.6284% | 3,532 |
| Net charge-offs to loans | 0.1843% | 448 |
| Credit loss provision to net charge-offs | 88.2353% | 1,645 |
| Earnings coverage of net charge-offs (x) | 14.2471% | 2,037 |
| Efficiency ratio | 68.8288% | 1,862 |
| Assets per employee ($millions) | 5.9084% | 2,841 |
| Cash dividends to net income (ytd only)* | 57.7493% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3633% | 1,638 |
| Loan loss allowance to noncurrent loans | 52.1901% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 1.1377% | 344 |
| Noncurrent loans to loans | 2.6122% | 175 |
| Net loans and leases to total assets | 42.9600% | 3,930 |
| Net loans and leases to deposits | 47.9584% | 3,977 |
| Net loans and leases to core deposits | 49.1438% | 4,012 |
| Total domestic deposits to total assets | 89.5800% | 1,524 |
| Equity capital to assets | 9.9928% | 1,707 |
| Core capital (leverage) ratio | 13.3998% | 842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $217,354,000 | 2,924 |
| Average earning assets | $208,875,600 | 2,870 |
| Average equity | $23,591,400 | 2,663 |
| Average total loans | $92,240,400 | 3,260 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5032% | 2,605 |
| Cost of funding earning assets | 0.2255% | 2,981 |
| Net interest margin | 3.2777% | 2,366 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 2.4248% | 2,244 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 0.8823% | 2,953 |
| Return on assets (ROA) | 0.8823% | 2,921 |
| Pretax return on assets | 0.9860% | 3,058 |
| Return on Equity (ROE) | 7.9700% | 3,345 |
| Retained earnings to average equity (ytd only) | 5.0298% | 3,090 |
| Net charge-offs to loans | 0.0825% | 726 |
| Credit loss provision to net charge-offs | 263.1579% | 873 |
| Earnings coverage of net charge-offs (x) | 30.9825% | 1,508 |
| Efficiency ratio | 69.2334% | 1,859 |
| Assets per employee ($millions) | 5.8700% | 2,878 |
| Cash dividends to net income (ytd only)* | 36.9295% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4921% | 1,314 |
| Loan loss allowance to noncurrent loans | 53.6452% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 1.2138% | 335 |
| Noncurrent loans to loans | 2.7814% | 178 |
| Net loans and leases to total assets | 42.9900% | 3,937 |
| Net loans and leases to deposits | 48.6502% | 3,927 |
| Net loans and leases to core deposits | 49.8748% | 3,956 |
| Total domestic deposits to total assets | 88.3600% | 2,317 |
| Equity capital to assets | 9.6224% | 1,814 |
| Core capital (leverage) ratio | 13.5338% | 774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $218,516,750 | 2,940 |
| Average earning assets | $209,857,750 | 2,881 |
| Average equity | $24,175,500 | 2,678 |
| Average total loans | $92,140,000 | 3,265 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4090% | 2,404 |
| Cost of funding earning assets | 0.2120% | 2,754 |
| Net interest margin | 3.1970% | 2,198 |
| Noninterest income to average assets | 0.3422% | 3,106 |
| Noninterest expense to average assets | 2.3882% | 2,263 |
| Loan and lease loss provision to assets | 0.1358% | 702 |
| Net operating income to assets | 0.8048% | 2,936 |
| Return on assets (ROA) | 0.8048% | 2,907 |
| Pretax return on assets | 0.8899% | 3,101 |
| Return on Equity (ROE) | 6.9846% | 3,318 |
| Retained earnings to average equity (ytd only) | 2.7891% | 3,513 |
| Net charge-offs to loans | 0.0934% | 612 |
| Credit loss provision to net charge-offs | 348.8372% | 747 |
| Earnings coverage of net charge-offs (x) | 26.3488% | 1,449 |
| Efficiency ratio | 69.9549% | 1,966 |
| Assets per employee ($millions) | 5.7689% | 2,959 |
| Cash dividends to net income (ytd only)* | 60.0675% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5172% | 1,361 |
| Loan loss allowance to noncurrent loans | 86.2818% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 0.7548% | 696 |
| Noncurrent loans to loans | 1.7584% | 381 |
| Net loans and leases to total assets | 42.2707% | 3,956 |
| Net loans and leases to deposits | 47.3101% | 3,965 |
| Net loans and leases to core deposits | 50.7629% | 3,892 |
| Total domestic deposits to total assets | 89.3482% | 2,026 |
| Equity capital to assets | 10.2971% | 1,536 |
| Core capital (leverage) ratio | 12.8400% | 863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $220,916,000 | 2,938 |
| Average earning assets | $212,262,000 | 2,899 |
| Average equity | $25,456,000 | 2,654 |
| Average total loans | $92,113,000 | 3,298 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3137% | 2,344 |
| Cost of funding earning assets | 0.2118% | 2,643 |
| Net interest margin | 3.1020% | 2,173 |
| Noninterest income to average assets | 0.3294% | 3,131 |
| Noninterest expense to average assets | 2.3112% | 2,457 |
| Loan and lease loss provision to assets | 0.1335% | 609 |
| Net operating income to assets | 0.7710% | 2,771 |
| Return on assets (ROA) | 0.7710% | 2,763 |
| Pretax return on assets | 0.8582% | 2,915 |
| Return on Equity (ROE) | 6.3689% | 3,230 |
| Retained earnings to average equity (ytd only) | 6.3689% | 2,122 |
| Net charge-offs to loans | 0.1819% | 331 |
| Credit loss provision to net charge-offs | 178.5714% | 810 |
| Earnings coverage of net charge-offs (x) | 13.2619% | 1,397 |
| Efficiency ratio | 69.9730% | 2,236 |
| Assets per employee ($millions) | 6.1204% | 2,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4338% | 1,784 |
| Loan loss allowance to noncurrent loans | 76.6900% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 0.7578% | 735 |
| Noncurrent loans to loans | 1.8695% | 404 |
| Net loans and leases to total assets | 39.9508% | 4,015 |
| Net loans and leases to deposits | 44.9883% | 4,023 |
| Net loans and leases to core deposits | 48.0894% | 3,977 |
| Total domestic deposits to total assets | 88.8027% | 2,168 |
| Equity capital to assets | 11.1527% | 1,263 |
| Core capital (leverage) ratio | 12.9029% | 797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $224,650,000 | 2,928 |
| Average earning assets | $215,348,000 | 2,892 |
| Average equity | $27,194,500 | 2,648 |
| Average total loans | $92,361,500 | 3,293 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9208% | 1,559 |
| Cost of funding earning assets | 0.2359% | 3,076 |
| Net interest margin | 3.6848% | 1,251 |
| Noninterest income to average assets | 0.3532% | 3,326 |
| Noninterest expense to average assets | 2.4307% | 2,393 |
| Loan and lease loss provision to assets | 0.2352% | 420 |
| Net operating income to assets | 1.0804% | 2,366 |
| Return on assets (ROA) | 1.0804% | 2,438 |
| Pretax return on assets | 1.2356% | 2,565 |
| Return on Equity (ROE) | 7.8476% | 3,265 |
| Retained earnings to average equity (ytd only) | 3.9528% | 3,237 |
| Net charge-offs to loans | 1.0100% | 63 |
| Credit loss provision to net charge-offs | 50.2513% | 2,132 |
| Earnings coverage of net charge-offs (x) | 3.1427% | 2,559 |
| Efficiency ratio | 62.3026% | 2,820 |
| Assets per employee ($millions) | 6.1901% | 2,580 |
| Cash dividends to net income (ytd only)* | 49.6300% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3805% | 2,000 |
| Loan loss allowance to noncurrent loans | 65.0609% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 0.8849% | 662 |
| Noncurrent loans to loans | 2.1219% | 356 |
| Net loans and leases to total assets | 41.1288% | 4,023 |
| Net loans and leases to deposits | 47.5899% | 4,017 |
| Net loans and leases to core deposits | 51.0192% | 3,965 |
| Total domestic deposits to total assets | 86.4232% | 2,751 |
| Equity capital to assets | 13.0733% | 876 |
| Core capital (leverage) ratio | 12.9690% | 809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $212,614,400 | 2,963 |
| Average earning assets | $204,731,200 | 2,918 |
| Average equity | $29,270,200 | 2,583 |
| Average total loans | $98,518,000 | 3,216 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0121% | 1,507 |
| Cost of funding earning assets | 0.2393% | 3,219 |
| Net interest margin | 3.7728% | 1,171 |
| Noninterest income to average assets | 0.3555% | 3,326 |
| Noninterest expense to average assets | 2.4678% | 2,217 |
| Loan and lease loss provision to assets | 0.2380% | 399 |
| Net operating income to assets | 1.1032% | 2,544 |
| Return on assets (ROA) | 1.1032% | 2,599 |
| Pretax return on assets | 1.2822% | 2,672 |
| Return on Equity (ROE) | 7.9076% | 3,432 |
| Retained earnings to average equity (ytd only) | 5.5462% | 3,025 |
| Net charge-offs to loans | 0.3536% | 219 |
| Credit loss provision to net charge-offs | 141.5094% | 1,383 |
| Earnings coverage of net charge-offs (x) | 9.0377% | 2,089 |
| Efficiency ratio | 61.8813% | 2,718 |
| Assets per employee ($millions) | 6.0079% | 2,689 |
| Cash dividends to net income (ytd only)* | 29.8619% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9703% | 673 |
| Loan loss allowance to noncurrent loans | 61.4383% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 1.4208% | 365 |
| Noncurrent loans to loans | 3.2069% | 194 |
| Net loans and leases to total assets | 43.4316% | 3,997 |
| Net loans and leases to deposits | 50.5698% | 3,981 |
| Net loans and leases to core deposits | 54.3573% | 3,892 |
| Total domestic deposits to total assets | 85.8844% | 2,789 |
| Equity capital to assets | 13.8082% | 780 |
| Core capital (leverage) ratio | 13.4432% | 745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $210,057,000 | 3,020 |
| Average earning assets | $202,250,750 | 2,968 |
| Average equity | $29,304,500 | 2,613 |
| Average total loans | $99,913,500 | 3,240 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8804% | 1,869 |
| Cost of funding earning assets | 0.2428% | 3,346 |
| Net interest margin | 3.6376% | 1,499 |
| Noninterest income to average assets | 0.3500% | 3,362 |
| Noninterest expense to average assets | 2.5108% | 2,109 |
| Loan and lease loss provision to assets | 0.2644% | 359 |
| Net operating income to assets | 0.9376% | 3,102 |
| Return on assets (ROA) | 0.9376% | 3,181 |
| Pretax return on assets | 1.0761% | 3,285 |
| Return on Equity (ROE) | 6.6970% | 3,733 |
| Retained earnings to average equity (ytd only) | 3.1321% | 3,802 |
| Net charge-offs to loans | 0.4404% | 191 |
| Credit loss provision to net charge-offs | 123.3184% | 1,245 |
| Earnings coverage of net charge-offs (x) | 6.2511% | 1,966 |
| Efficiency ratio | 65.1935% | 2,270 |
| Assets per employee ($millions) | 5.4633% | 3,173 |
| Cash dividends to net income (ytd only)* | 53.2308% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8465% | 818 |
| Loan loss allowance to noncurrent loans | 59.5122% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 1.4812% | 389 |
| Noncurrent loans to loans | 3.1028% | 229 |
| Net loans and leases to total assets | 46.8560% | 3,838 |
| Net loans and leases to deposits | 54.8978% | 3,801 |
| Net loans and leases to core deposits | 56.6082% | 3,852 |
| Total domestic deposits to total assets | 85.3514% | 2,962 |
| Equity capital to assets | 14.0913% | 698 |
| Core capital (leverage) ratio | 13.1512% | 765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $207,981,000 | 3,033 |
| Average earning assets | $200,188,000 | 2,980 |
| Average equity | $29,117,667 | 2,618 |
| Average total loans | $101,276,667 | 3,234 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9081% | 1,814 |
| Cost of funding earning assets | 0.2435% | 3,531 |
| Net interest margin | 3.6646% | 1,418 |
| Noninterest income to average assets | 0.3420% | 3,383 |
| Noninterest expense to average assets | 2.5076% | 2,155 |
| Loan and lease loss provision to assets | 0.4323% | 165 |
| Net operating income to assets | 0.8243% | 3,340 |
| Return on assets (ROA) | 0.8243% | 3,421 |
| Pretax return on assets | 0.9300% | 3,538 |
| Return on Equity (ROE) | 5.9072% | 3,884 |
| Retained earnings to average equity (ytd only) | 5.9072% | 2,929 |
| Net charge-offs to loans | 0.1211% | 593 |
| Credit loss provision to net charge-offs | 725.8065% | 506 |
| Earnings coverage of net charge-offs (x) | 22.8710% | 1,203 |
| Efficiency ratio | 64.7964% | 2,373 |
| Assets per employee ($millions) | 5.7939% | 2,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9313% | 700 |
| Loan loss allowance to noncurrent loans | 63.2660% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 1.4540% | 453 |
| Noncurrent loans to loans | 3.0526% | 252 |
| Net loans and leases to total assets | 46.7109% | 3,908 |
| Net loans and leases to deposits | 54.0936% | 3,930 |
| Net loans and leases to core deposits | 55.7019% | 3,992 |
| Total domestic deposits to total assets | 86.3520% | 2,602 |
| Equity capital to assets | 13.4455% | 796 |
| Core capital (leverage) ratio | 13.5868% | 724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $208,169,500 | 3,018 |
| Average earning assets | $200,404,000 | 2,964 |
| Average equity | $29,049,500 | 2,616 |
| Average total loans | $102,362,500 | 3,226 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2732% | 1,947 |
| Cost of funding earning assets | 0.2972% | 4,163 |
| Net interest margin | 3.9761% | 1,027 |
| Noninterest income to average assets | 0.3697% | 3,268 |
| Noninterest expense to average assets | 2.5661% | 2,655 |
| Loan and lease loss provision to assets | 0.3347% | 1,053 |
| Net operating income to assets | 1.1168% | 1,854 |
| Return on assets (ROA) | 1.1168% | 1,972 |
| Pretax return on assets | 1.3062% | 1,950 |
| Return on Equity (ROE) | 7.6123% | 2,957 |
| Retained earnings to average equity (ytd only) | 3.7167% | 2,971 |
| Net charge-offs to loans | 0.2618% | 663 |
| Credit loss provision to net charge-offs | 244.3609% | 1,961 |
| Earnings coverage of net charge-offs (x) | 11.9812% | 2,364 |
| Efficiency ratio | 60.9962% | 3,312 |
| Assets per employee ($millions) | 5.1826% | 3,185 |
| Cash dividends to net income (ytd only)* | 51.1757% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7327% | 976 |
| Loan loss allowance to noncurrent loans | 90.0709% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 0.9766% | 989 |
| Noncurrent loans to loans | 1.9237% | 619 |
| Net loans and leases to total assets | 49.8894% | 3,836 |
| Net loans and leases to deposits | 58.8979% | 3,838 |
| Net loans and leases to core deposits | 60.7897% | 3,901 |
| Total domestic deposits to total assets | 84.7049% | 2,876 |
| Equity capital to assets | 14.5129% | 678 |
| Core capital (leverage) ratio | 13.8157% | 716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $194,223,800 | 2,992 |
| Average earning assets | $187,446,000 | 2,932 |
| Average equity | $28,493,400 | 2,571 |
| Average total loans | $101,623,000 | 3,202 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3264% | 2,023 |
| Cost of funding earning assets | 0.3063% | 4,283 |
| Net interest margin | 4.0201% | 1,065 |
| Noninterest income to average assets | 0.3606% | 3,307 |
| Noninterest expense to average assets | 2.5924% | 2,552 |
| Loan and lease loss provision to assets | 0.4510% | 715 |
| Net operating income to assets | 1.0368% | 2,200 |
| Return on assets (ROA) | 1.0368% | 2,326 |
| Pretax return on assets | 1.2040% | 2,374 |
| Return on Equity (ROE) | 7.0476% | 3,177 |
| Retained earnings to average equity (ytd only) | 4.6717% | 2,706 |
| Net charge-offs to loans | 0.3459% | 454 |
| Credit loss provision to net charge-offs | 247.1483% | 1,933 |
| Earnings coverage of net charge-offs (x) | 9.0722% | 2,452 |
| Efficiency ratio | 61.0385% | 3,209 |
| Assets per employee ($millions) | 5.4371% | 2,765 |
| Cash dividends to net income (ytd only)* | 33.7124% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7705% | 775 |
| Loan loss allowance to noncurrent loans | 111.8016% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 0.8139% | 1,416 |
| Noncurrent loans to loans | 1.5836% | 894 |
| Net loans and leases to total assets | 50.4813% | 4,072 |
| Net loans and leases to deposits | 59.7101% | 4,075 |
| Net loans and leases to core deposits | 61.6426% | 4,131 |
| Total domestic deposits to total assets | 84.5440% | 2,610 |
| Equity capital to assets | 14.9697% | 642 |
| Core capital (leverage) ratio | 14.2266% | 661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $192,249,000 | 2,992 |
| Average earning assets | $185,862,000 | 2,929 |
| Average equity | $28,283,250 | 2,575 |
| Average total loans | $101,374,750 | 3,219 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4119% | 2,178 |
| Cost of funding earning assets | 0.3158% | 4,414 |
| Net interest margin | 4.0960% | 1,123 |
| Noninterest income to average assets | 0.3904% | 3,140 |
| Noninterest expense to average assets | 2.6355% | 2,558 |
| Loan and lease loss provision to assets | 0.5233% | 658 |
| Net operating income to assets | 1.0058% | 2,299 |
| Return on assets (ROA) | 1.0058% | 2,427 |
| Pretax return on assets | 1.1953% | 2,381 |
| Return on Equity (ROE) | 6.8780% | 3,178 |
| Retained earnings to average equity (ytd only) | 3.2708% | 3,282 |
| Net charge-offs to loans | 0.3759% | 423 |
| Credit loss provision to net charge-offs | 261.7801% | 1,719 |
| Earnings coverage of net charge-offs (x) | 8.5969% | 2,276 |
| Efficiency ratio | 60.5288% | 3,338 |
| Assets per employee ($millions) | 5.6606% | 2,477 |
| Cash dividends to net income (ytd only)* | 52.4454% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6490% | 907 |
| Loan loss allowance to noncurrent loans | 112.1871% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 0.7662% | 1,615 |
| Noncurrent loans to loans | 1.4699% | 1,035 |
| Net loans and leases to total assets | 51.2659% | 4,075 |
| Net loans and leases to deposits | 60.4300% | 4,093 |
| Net loans and leases to core deposits | 62.4633% | 4,157 |
| Total domestic deposits to total assets | 84.8351% | 2,455 |
| Equity capital to assets | 14.4527% | 745 |
| Core capital (leverage) ratio | 13.7722% | 801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $191,086,667 | 2,975 |
| Average earning assets | $184,911,000 | 2,915 |
| Average equity | $27,944,000 | 2,589 |
| Average total loans | $101,636,000 | 3,208 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6316% | 1,907 |
| Cost of funding earning assets | 0.3263% | 4,578 |
| Net interest margin | 4.3053% | 753 |
| Noninterest income to average assets | 0.3967% | 3,126 |
| Noninterest expense to average assets | 2.6273% | 2,901 |
| Loan and lease loss provision to assets | 0.5331% | 546 |
| Net operating income to assets | 1.1836% | 1,573 |
| Return on assets (ROA) | 1.1836% | 1,693 |
| Pretax return on assets | 1.4011% | 1,563 |
| Return on Equity (ROE) | 8.0438% | 2,504 |
| Retained earnings to average equity (ytd only) | 8.0438% | 1,222 |
| Net charge-offs to loans | 0.4126% | 354 |
| Credit loss provision to net charge-offs | 240.3846% | 1,310 |
| Earnings coverage of net charge-offs (x) | 8.7212% | 1,854 |
| Efficiency ratio | 57.5970% | 4,057 |
| Assets per employee ($millions) | 5.0629% | 2,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5632% | 1,158 |
| Loan loss allowance to noncurrent loans | 131.0638% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 0.6107% | 2,174 |
| Noncurrent loans to loans | 1.1927% | 1,373 |
| Net loans and leases to total assets | 50.4065% | 4,222 |
| Net loans and leases to deposits | 59.1854% | 4,236 |
| Net loans and leases to core deposits | 61.1071% | 4,309 |
| Total domestic deposits to total assets | 85.1671% | 2,346 |
| Equity capital to assets | 14.5652% | 870 |
| Core capital (leverage) ratio | 14.6535% | 755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $187,569,000 | 2,975 |
| Average earning assets | $181,450,000 | 2,908 |
| Average equity | $27,599,000 | 2,601 |
| Average total loans | $100,818,000 | 3,214 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8557% | 1,878 |
| Cost of funding earning assets | 0.3123% | 4,702 |
| Net interest margin | 4.5434% | 664 |
| Noninterest income to average assets | 0.4376% | 3,068 |
| Noninterest expense to average assets | 2.7670% | 2,702 |
| Loan and lease loss provision to assets | 0.4092% | 346 |
| Net operating income to assets | 1.3974% | 1,352 |
| Return on assets (ROA) | 1.3974% | 1,423 |
| Pretax return on assets | 1.6670% | 1,278 |
| Return on Equity (ROE) | 9.7462% | 2,419 |
| Retained earnings to average equity (ytd only) | 5.6932% | 2,031 |
| Net charge-offs to loans | 0.4557% | 408 |
| Credit loss provision to net charge-offs | 158.5624% | 1,623 |
| Earnings coverage of net charge-offs (x) | 8.0444% | 2,812 |
| Efficiency ratio | 57.1316% | 4,075 |
| Assets per employee ($millions) | 5.0763% | 2,481 |
| Cash dividends to net income (ytd only)* | 41.5853% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3518% | 1,703 |
| Loan loss allowance to noncurrent loans | 104.1854% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 0.7322% | 1,771 |
| Noncurrent loans to loans | 1.2975% | 1,164 |
| Net loans and leases to total assets | 55.6641% | 3,944 |
| Net loans and leases to deposits | 65.8807% | 3,962 |
| Net loans and leases to core deposits | 68.1470% | 4,072 |
| Total domestic deposits to total assets | 84.4923% | 2,687 |
| Equity capital to assets | 14.8708% | 826 |
| Core capital (leverage) ratio | 14.5421% | 792 |
| Tier 1 risk-based capital ratio | 27.2383% | 603 |
| Total risk-based capital ratio | 28.4902% | 591 |
| Memoranda: | ||
| Average total assets | $183,268,200 | 2,976 |
| Average earning assets | $177,709,000 | 2,909 |
| Average equity | $26,277,000 | 2,611 |
| Average total loans | $103,791,000 | 3,178 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8706% | 1,915 |
| Cost of funding earning assets | 0.3083% | 4,778 |
| Net interest margin | 4.5623% | 669 |
| Noninterest income to average assets | 0.4297% | 3,147 |
| Noninterest expense to average assets | 2.7241% | 2,796 |
| Loan and lease loss provision to assets | 0.2181% | 789 |
| Net operating income to assets | 1.5841% | 970 |
| Return on assets (ROA) | 1.5841% | 1,018 |
| Pretax return on assets | 1.9091% | 845 |
| Return on Equity (ROE) | 11.1517% | 1,953 |
| Retained earnings to average equity (ytd only) | 8.6798% | 1,138 |
| Net charge-offs to loans | 0.2001% | 871 |
| Credit loss provision to net charge-offs | 192.3077% | 1,360 |
| Earnings coverage of net charge-offs (x) | 18.7569% | 2,036 |
| Efficiency ratio | 56.1517% | 4,156 |
| Assets per employee ($millions) | 4.8868% | 2,677 |
| Cash dividends to net income (ytd only)* | 22.1660% | 2,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1992% | 2,513 |
| Loan loss allowance to noncurrent loans | 109.9390% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 0.6344% | 2,102 |
| Noncurrent loans to loans | 1.0908% | 1,456 |
| Net loans and leases to total assets | 57.4572% | 3,926 |
| Net loans and leases to deposits | 68.0020% | 3,917 |
| Net loans and leases to core deposits | 70.2434% | 4,047 |
| Total domestic deposits to total assets | 84.4934% | 2,633 |
| Equity capital to assets | 15.1477% | 810 |
| Core capital (leverage) ratio | 14.9679% | 744 |
| Tier 1 risk-based capital ratio | 26.7637% | 662 |
| Total risk-based capital ratio | 28.0136% | 649 |
| Memoranda: | ||
| Average total assets | $183,398,250 | 3,008 |
| Average earning assets | $177,742,000 | 2,935 |
| Average equity | $26,052,250 | 2,639 |
| Average total loans | $103,959,000 | 3,208 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8109% | 2,027 |
| Cost of funding earning assets | 0.2921% | 4,846 |
| Net interest margin | 4.5188% | 740 |
| Noninterest income to average assets | 0.4190% | 3,141 |
| Noninterest expense to average assets | 2.7201% | 2,847 |
| Loan and lease loss provision to assets | 0.2171% | 768 |
| Net operating income to assets | 1.5359% | 1,043 |
| Return on assets (ROA) | 1.5359% | 1,097 |
| Pretax return on assets | 1.8637% | 903 |
| Return on Equity (ROE) | 11.0518% | 1,953 |
| Retained earnings to average equity (ytd only) | 7.2794% | 1,693 |
| Net charge-offs to loans | 0.0792% | 1,572 |
| Credit loss provision to net charge-offs | 487.8049% | 615 |
| Earnings coverage of net charge-offs (x) | 46.7561% | 1,144 |
| Efficiency ratio | 56.6584% | 4,170 |
| Assets per employee ($millions) | 4.7663% | 2,789 |
| Cash dividends to net income (ytd only)* | 34.1343% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2091% | 2,477 |
| Loan loss allowance to noncurrent loans | 116.4384% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 0.6046% | 2,211 |
| Noncurrent loans to loans | 1.0384% | 1,576 |
| Net loans and leases to total assets | 57.5174% | 3,958 |
| Net loans and leases to deposits | 69.6385% | 3,870 |
| Net loans and leases to core deposits | 71.7760% | 4,019 |
| Total domestic deposits to total assets | 82.5943% | 3,339 |
| Equity capital to assets | 14.6997% | 891 |
| Core capital (leverage) ratio | 14.3036% | 879 |
| Tier 1 risk-based capital ratio | 25.6463% | 712 |
| Total risk-based capital ratio | 26.8960% | 692 |
| Memoranda: | ||
| Average total assets | $184,260,000 | 3,012 |
| Average earning assets | $178,676,000 | 2,934 |
| Average equity | $25,606,670 | 2,668 |
| Average total loans | $103,561,670 | 3,231 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6993% | 2,230 |
| Cost of funding earning assets | 0.2840% | 4,887 |
| Net interest margin | 4.4153% | 865 |
| Noninterest income to average assets | 0.3939% | 3,224 |
| Noninterest expense to average assets | 2.6304% | 3,121 |
| Loan and lease loss provision to assets | 0.2152% | 724 |
| Net operating income to assets | 1.5111% | 1,085 |
| Return on assets (ROA) | 1.5111% | 1,114 |
| Pretax return on assets | 1.8318% | 908 |
| Return on Equity (ROE) | 11.1881% | 1,873 |
| Retained earnings to average equity (ytd only) | 11.1881% | 763 |
| Net charge-offs to loans | 0.1130% | 1,057 |
| Credit loss provision to net charge-offs | 344.8276% | 759 |
| Earnings coverage of net charge-offs (x) | 32.7931% | 1,278 |
| Efficiency ratio | 56.2356% | 4,301 |
| Assets per employee ($millions) | 5.1006% | 2,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1548% | 2,823 |
| Loan loss allowance to noncurrent loans | 151.3376% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 0.4160% | 2,924 |
| Noncurrent loans to loans | 0.7631% | 2,119 |
| Net loans and leases to total assets | 53.8803% | 4,214 |
| Net loans and leases to deposits | 62.4499% | 4,278 |
| Net loans and leases to core deposits | 64.2013% | 4,370 |
| Total domestic deposits to total assets | 86.2777% | 2,148 |
| Equity capital to assets | 13.6253% | 1,165 |
| Core capital (leverage) ratio | 13.9593% | 966 |
| Tier 1 risk-based capital ratio | 25.7928% | 699 |
| Total risk-based capital ratio | 26.9808% | 691 |
| Memoranda: | ||
| Average total assets | $185,830,500 | 3,025 |
| Average earning assets | $180,280,500 | 2,946 |
| Average equity | $25,098,000 | 2,707 |
| Average total loans | $102,617,500 | 3,277 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7372% | 1,714 |
| Cost of funding earning assets | 0.2537% | 4,790 |
| Net interest margin | 4.4835% | 785 |
| Noninterest income to average assets | 0.4526% | 3,089 |
| Noninterest expense to average assets | 2.6360% | 3,226 |
| Loan and lease loss provision to assets | 0.3316% | 473 |
| Net operating income to assets | 1.5164% | 1,079 |
| Return on assets (ROA) | 1.5164% | 1,062 |
| Pretax return on assets | 1.8308% | 848 |
| Return on Equity (ROE) | 11.5834% | 1,872 |
| Retained earnings to average equity (ytd only) | 7.2776% | 1,549 |
| Net charge-offs to loans | 0.6938% | 231 |
| Credit loss provision to net charge-offs | 87.9765% | 2,749 |
| Earnings coverage of net charge-offs (x) | 5.7375% | 3,157 |
| Efficiency ratio | 54.9349% | 4,526 |
| Assets per employee ($millions) | 4.8142% | 2,717 |
| Cash dividends to net income (ytd only)* | 37.1720% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0912% | 3,161 |
| Loan loss allowance to noncurrent loans | 118.0761% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 0.5171% | 2,525 |
| Noncurrent loans to loans | 0.9242% | 1,736 |
| Net loans and leases to total assets | 55.3441% | 4,174 |
| Net loans and leases to deposits | 64.2240% | 4,245 |
| Net loans and leases to core deposits | 66.3917% | 4,331 |
| Total domestic deposits to total assets | 86.1735% | 2,142 |
| Equity capital to assets | 13.3826% | 1,188 |
| Core capital (leverage) ratio | 13.6271% | 1,033 |
| Tier 1 risk-based capital ratio | 25.1066% | 732 |
| Total risk-based capital ratio | 26.2243% | 731 |
| Memoranda: | ||
| Average total assets | $180,959,400 | 3,047 |
| Average earning assets | $175,400,000 | 2,974 |
| Average equity | $23,689,000 | 2,757 |
| Average total loans | $98,303,000 | 3,334 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6928% | 1,698 |
| Cost of funding earning assets | 0.2463% | 4,810 |
| Net interest margin | 4.4466% | 823 |
| Noninterest income to average assets | 0.4411% | 3,227 |
| Noninterest expense to average assets | 2.6235% | 3,220 |
| Loan and lease loss provision to assets | 0.2955% | 499 |
| Net operating income to assets | 1.5146% | 1,159 |
| Return on assets (ROA) | 1.5146% | 1,153 |
| Pretax return on assets | 1.8308% | 941 |
| Return on Equity (ROE) | 11.6355% | 1,938 |
| Retained earnings to average equity (ytd only) | 9.0303% | 1,207 |
| Net charge-offs to loans | 0.4262% | 376 |
| Credit loss provision to net charge-offs | 128.6174% | 1,907 |
| Earnings coverage of net charge-offs (x) | 9.2539% | 2,653 |
| Efficiency ratio | 55.2341% | 4,486 |
| Assets per employee ($millions) | 4.8677% | 2,636 |
| Cash dividends to net income (ytd only)* | 22.3900% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2814% | 2,189 |
| Loan loss allowance to noncurrent loans | 110.4631% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 0.6474% | 2,250 |
| Noncurrent loans to loans | 1.1600% | 1,453 |
| Net loans and leases to total assets | 55.0931% | 4,287 |
| Net loans and leases to deposits | 63.6595% | 4,351 |
| Net loans and leases to core deposits | 66.1088% | 4,404 |
| Total domestic deposits to total assets | 86.5435% | 1,952 |
| Equity capital to assets | 13.2800% | 1,219 |
| Core capital (leverage) ratio | 13.8702% | 974 |
| Tier 1 risk-based capital ratio | 25.4458% | 712 |
| Total risk-based capital ratio | 26.6964% | 699 |
| Memoranda: | ||
| Average total assets | $180,464,500 | 3,067 |
| Average earning assets | $174,872,500 | 2,998 |
| Average equity | $23,490,750 | 2,786 |
| Average total loans | $97,288,000 | 3,378 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6159% | 1,732 |
| Cost of funding earning assets | 0.2431% | 4,782 |
| Net interest margin | 4.3729% | 897 |
| Noninterest income to average assets | 0.4397% | 3,221 |
| Noninterest expense to average assets | 2.6171% | 3,279 |
| Loan and lease loss provision to assets | 0.3876% | 321 |
| Net operating income to assets | 1.3999% | 1,439 |
| Return on assets (ROA) | 1.3999% | 1,441 |
| Pretax return on assets | 1.6790% | 1,275 |
| Return on Equity (ROE) | 10.8273% | 2,186 |
| Retained earnings to average equity (ytd only) | 6.8956% | 2,114 |
| Net charge-offs to loans | 0.4636% | 330 |
| Credit loss provision to net charge-offs | 156.9507% | 1,533 |
| Earnings coverage of net charge-offs (x) | 8.3677% | 2,485 |
| Efficiency ratio | 55.8761% | 4,491 |
| Assets per employee ($millions) | 4.6661% | 2,861 |
| Cash dividends to net income (ytd only)* | 36.3133% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3501% | 1,944 |
| Loan loss allowance to noncurrent loans | 91.0714% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 0.8001% | 1,871 |
| Noncurrent loans to loans | 1.4825% | 1,134 |
| Net loans and leases to total assets | 53.2419% | 4,397 |
| Net loans and leases to deposits | 61.3738% | 4,459 |
| Net loans and leases to core deposits | 63.5663% | 4,519 |
| Total domestic deposits to total assets | 86.7501% | 1,948 |
| Equity capital to assets | 12.8828% | 1,355 |
| Core capital (leverage) ratio | 13.3302% | 1,124 |
| Tier 1 risk-based capital ratio | 24.8203% | 747 |
| Total risk-based capital ratio | 26.0715% | 729 |
| Memoranda: | ||
| Average total assets | $180,584,000 | 3,088 |
| Average earning assets | $175,262,670 | 3,007 |
| Average equity | $23,348,330 | 2,814 |
| Average total loans | $96,212,670 | 3,406 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5879% | 1,608 |
| Cost of funding earning assets | 0.2429% | 4,755 |
| Net interest margin | 4.3450% | 867 |
| Noninterest income to average assets | 0.4358% | 3,198 |
| Noninterest expense to average assets | 2.6194% | 3,275 |
| Loan and lease loss provision to assets | 0.4447% | 240 |
| Net operating income to assets | 1.3320% | 1,535 |
| Return on assets (ROA) | 1.3320% | 1,547 |
| Pretax return on assets | 1.5877% | 1,422 |
| Return on Equity (ROE) | 10.2830% | 2,280 |
| Retained earnings to average equity (ytd only) | 10.2830% | 1,073 |
| Net charge-offs to loans | 0.6470% | 233 |
| Credit loss provision to net charge-offs | 129.8701% | 1,336 |
| Earnings coverage of net charge-offs (x) | 5.9351% | 2,189 |
| Efficiency ratio | 56.3098% | 4,541 |
| Assets per employee ($millions) | 4.6719% | 2,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2934% | 2,277 |
| Loan loss allowance to noncurrent loans | 101.6327% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 0.6723% | 2,317 |
| Noncurrent loans to loans | 1.2726% | 1,413 |
| Net loans and leases to total assets | 52.1468% | 4,426 |
| Net loans and leases to deposits | 59.8492% | 4,479 |
| Net loans and leases to core deposits | 62.3302% | 4,535 |
| Total domestic deposits to total assets | 87.1303% | 2,074 |
| Equity capital to assets | 12.7846% | 1,344 |
| Core capital (leverage) ratio | 13.4649% | 1,018 |
| Tier 1 risk-based capital ratio | 25.2198% | 738 |
| Total risk-based capital ratio | 26.4706% | 723 |
| Memoranda: | ||
| Average total assets | $179,886,500 | 3,130 |
| Average earning assets | $174,546,500 | 3,046 |
| Average equity | $23,300,500 | 2,835 |
| Average total loans | $95,211,500 | 3,442 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5650% | 1,523 |
| Cost of funding earning assets | 0.2441% | 4,613 |
| Net interest margin | 4.3209% | 923 |
| Noninterest income to average assets | 0.4910% | 3,056 |
| Noninterest expense to average assets | 2.7406% | 2,995 |
| Loan and lease loss provision to assets | 0.3694% | 408 |
| Net operating income to assets | 1.1848% | 1,563 |
| Return on assets (ROA) | 1.1848% | 1,586 |
| Pretax return on assets | 1.5655% | 1,401 |
| Return on Equity (ROE) | 9.0228% | 2,306 |
| Retained earnings to average equity (ytd only) | 4.8035% | 2,254 |
| Net charge-offs to loans | 0.7348% | 287 |
| Credit loss provision to net charge-offs | 96.8703% | 2,663 |
| Earnings coverage of net charge-offs (x) | 5.0745% | 3,379 |
| Efficiency ratio | 58.6169% | 4,458 |
| Assets per employee ($millions) | 4.5531% | 3,106 |
| Cash dividends to net income (ytd only)* | 46.7626% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2733% | 2,356 |
| Loan loss allowance to noncurrent loans | 97.7977% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 0.6904% | 2,247 |
| Noncurrent loans to loans | 1.3020% | 1,338 |
| Net loans and leases to total assets | 52.3546% | 4,496 |
| Net loans and leases to deposits | 61.9926% | 4,450 |
| Net loans and leases to core deposits | 64.5745% | 4,494 |
| Total domestic deposits to total assets | 84.4529% | 3,053 |
| Equity capital to assets | 13.1255% | 1,205 |
| Core capital (leverage) ratio | 13.2731% | 1,046 |
| Tier 1 risk-based capital ratio | 24.7997% | 740 |
| Total risk-based capital ratio | 26.0495% | 724 |
| Memoranda: | ||
| Average total assets | $175,982,600 | 3,168 |
| Average earning assets | $170,428,600 | 3,066 |
| Average equity | $23,108,000 | 2,852 |
| Average total loans | $91,323,000 | 3,500 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5554% | 1,485 |
| Cost of funding earning assets | 0.2432% | 4,632 |
| Net interest margin | 4.3122% | 896 |
| Noninterest income to average assets | 0.4685% | 3,223 |
| Noninterest expense to average assets | 2.7420% | 2,922 |
| Loan and lease loss provision to assets | 0.2848% | 569 |
| Net operating income to assets | 1.2347% | 1,563 |
| Return on assets (ROA) | 1.2347% | 1,590 |
| Pretax return on assets | 1.6159% | 1,366 |
| Return on Equity (ROE) | 9.4021% | 2,399 |
| Retained earnings to average equity (ytd only) | 6.8694% | 1,757 |
| Net charge-offs to loans | 0.5430% | 373 |
| Credit loss provision to net charge-offs | 101.6260% | 2,248 |
| Earnings coverage of net charge-offs (x) | 6.7832% | 2,943 |
| Efficiency ratio | 59.0612% | 4,343 |
| Assets per employee ($millions) | 4.3971% | 3,316 |
| Cash dividends to net income (ytd only)* | 26.9374% | 2,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3364% | 2,177 |
| Loan loss allowance to noncurrent loans | 128.5115% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 0.6880% | 2,445 |
| Noncurrent loans to loans | 1.0399% | 1,861 |
| Net loans and leases to total assets | 51.4626% | 4,614 |
| Net loans and leases to deposits | 60.6654% | 4,599 |
| Net loans and leases to core deposits | 63.2085% | 4,641 |
| Total domestic deposits to total assets | 84.8303% | 2,786 |
| Equity capital to assets | 13.5175% | 1,150 |
| Core capital (leverage) ratio | 13.4331% | 1,050 |
| Tier 1 risk-based capital ratio | 25.3524% | 717 |
| Total risk-based capital ratio | 26.6033% | 708 |
| Memoranda: | ||
| Average total assets | $175,585,750 | 3,203 |
| Average earning assets | $169,964,000 | 3,101 |
| Average equity | $23,058,250 | 2,872 |
| Average total loans | $90,612,500 | 3,550 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5199% | 1,469 |
| Cost of funding earning assets | 0.2316% | 4,702 |
| Net interest margin | 4.2883% | 886 |
| Noninterest income to average assets | 0.4593% | 3,295 |
| Noninterest expense to average assets | 2.7740% | 2,847 |
| Loan and lease loss provision to assets | 0.3419% | 428 |
| Net operating income to assets | 1.1648% | 1,718 |
| Return on assets (ROA) | 1.1648% | 1,758 |
| Pretax return on assets | 1.5010% | 1,629 |
| Return on Equity (ROE) | 8.9573% | 2,530 |
| Retained earnings to average equity (ytd only) | 5.1185% | 2,628 |
| Net charge-offs to loans | 0.6405% | 306 |
| Credit loss provision to net charge-offs | 103.8062% | 1,959 |
| Earnings coverage of net charge-offs (x) | 5.5952% | 2,808 |
| Efficiency ratio | 60.0839% | 4,306 |
| Assets per employee ($millions) | 4.6060% | 2,933 |
| Cash dividends to net income (ytd only)* | 42.8571% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3450% | 2,205 |
| Loan loss allowance to noncurrent loans | 143.3062% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 0.6370% | 2,649 |
| Noncurrent loans to loans | 0.9386% | 2,090 |
| Net loans and leases to total assets | 51.5860% | 4,604 |
| Net loans and leases to deposits | 60.2218% | 4,609 |
| Net loans and leases to core deposits | 62.7328% | 4,680 |
| Total domestic deposits to total assets | 85.6600% | 2,542 |
| Equity capital to assets | 13.2996% | 1,233 |
| Core capital (leverage) ratio | 12.9156% | 1,206 |
| Tier 1 risk-based capital ratio | 24.5413% | 802 |
| Total risk-based capital ratio | 25.7916% | 776 |
| Memoranda: | ||
| Average total assets | $175,486,670 | 3,219 |
| Average earning assets | $170,137,670 | 3,108 |
| Average equity | $22,819,330 | 2,901 |
| Average total loans | $90,236,670 | 3,572 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4396% | 1,528 |
| Cost of funding earning assets | 0.2279% | 4,734 |
| Net interest margin | 4.2117% | 964 |
| Noninterest income to average assets | 0.4712% | 3,183 |
| Noninterest expense to average assets | 2.6383% | 3,348 |
| Loan and lease loss provision to assets | 0.3415% | 359 |
| Net operating income to assets | 1.2293% | 1,432 |
| Return on assets (ROA) | 1.2293% | 1,471 |
| Pretax return on assets | 1.5730% | 1,302 |
| Return on Equity (ROE) | 9.5618% | 2,161 |
| Retained earnings to average equity (ytd only) | 9.5618% | 911 |
| Net charge-offs to loans | 0.6786% | 263 |
| Credit loss provision to net charge-offs | 98.6842% | 1,629 |
| Earnings coverage of net charge-offs (x) | 5.5329% | 2,286 |
| Efficiency ratio | 57.9500% | 4,721 |
| Assets per employee ($millions) | 4.7403% | 2,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3567% | 2,279 |
| Loan loss allowance to noncurrent loans | 102.8716% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 0.8050% | 2,290 |
| Noncurrent loans to loans | 1.3188% | 1,536 |
| Net loans and leases to total assets | 49.1642% | 4,739 |
| Net loans and leases to deposits | 56.3939% | 4,793 |
| Net loans and leases to core deposits | 58.3979% | 4,857 |
| Total domestic deposits to total assets | 87.1800% | 2,122 |
| Equity capital to assets | 12.7051% | 1,399 |
| Core capital (leverage) ratio | 13.0621% | 1,122 |
| Tier 1 risk-based capital ratio | 24.8607% | 783 |
| Total risk-based capital ratio | 26.1112% | 770 |
| Memoranda: | ||
| Average total assets | $175,716,000 | 3,237 |
| Average earning assets | $170,286,500 | 3,132 |
| Average equity | $22,590,000 | 2,935 |
| Average total loans | $89,594,500 | 3,604 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5955% | 1,291 |
| Cost of funding earning assets | 0.2590% | 4,480 |
| Net interest margin | 4.3366% | 873 |
| Noninterest income to average assets | 0.3820% | 4,019 |
| Noninterest expense to average assets | 2.6794% | 3,414 |
| Loan and lease loss provision to assets | 0.3521% | 485 |
| Net operating income to assets | 1.1885% | 1,546 |
| Return on assets (ROA) | 1.1971% | 1,608 |
| Pretax return on assets | 1.5480% | 1,436 |
| Return on Equity (ROE) | 9.0383% | 2,401 |
| Retained earnings to average equity (ytd only) | 4.8913% | 2,416 |
| Net charge-offs to loans | 0.6348% | 355 |
| Credit loss provision to net charge-offs | 110.7011% | 2,365 |
| Earnings coverage of net charge-offs (x) | 5.9391% | 3,252 |
| Efficiency ratio | 58.6513% | 4,766 |
| Assets per employee ($millions) | 4.3923% | 3,289 |
| Cash dividends to net income (ytd only)* | 45.8824% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3645% | 2,243 |
| Loan loss allowance to noncurrent loans | 98.7055% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 0.8739% | 2,162 |
| Noncurrent loans to loans | 1.3824% | 1,478 |
| Net loans and leases to total assets | 51.4831% | 4,651 |
| Net loans and leases to deposits | 59.5082% | 4,709 |
| Net loans and leases to core deposits | 61.7499% | 4,763 |
| Total domestic deposits to total assets | 86.5142% | 2,365 |
| Equity capital to assets | 13.0147% | 1,251 |
| Core capital (leverage) ratio | 12.9887% | 1,136 |
| Tier 1 risk-based capital ratio | 24.3786% | 831 |
| Total risk-based capital ratio | 25.6291% | 807 |
| Memoranda: | ||
| Average total assets | $170,410,600 | 3,285 |
| Average earning assets | $164,508,400 | 3,178 |
| Average equity | $22,570,600 | 2,938 |
| Average total loans | $85,379,400 | 3,674 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5901% | 1,312 |
| Cost of funding earning assets | 0.2631% | 4,469 |
| Net interest margin | 4.3270% | 883 |
| Noninterest income to average assets | 0.4411% | 3,622 |
| Noninterest expense to average assets | 2.6472% | 3,508 |
| Loan and lease loss provision to assets | 0.3917% | 380 |
| Net operating income to assets | 1.1875% | 1,680 |
| Return on assets (ROA) | 1.1986% | 1,738 |
| Pretax return on assets | 1.5911% | 1,404 |
| Return on Equity (ROE) | 9.0105% | 2,480 |
| Retained earnings to average equity (ytd only) | 6.5370% | 1,887 |
| Net charge-offs to loans | 0.6337% | 320 |
| Credit loss provision to net charge-offs | 124.6883% | 2,031 |
| Earnings coverage of net charge-offs (x) | 6.2644% | 3,018 |
| Efficiency ratio | 57.3587% | 4,914 |
| Assets per employee ($millions) | 4.5538% | 2,996 |
| Cash dividends to net income (ytd only)* | 27.4512% | 2,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4420% | 2,013 |
| Loan loss allowance to noncurrent loans | 128.4114% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 0.8287% | 2,472 |
| Noncurrent loans to loans | 1.1230% | 2,004 |
| Net loans and leases to total assets | 49.8055% | 4,833 |
| Net loans and leases to deposits | 59.7184% | 4,777 |
| Net loans and leases to core deposits | 62.1373% | 4,820 |
| Total domestic deposits to total assets | 83.4007% | 3,449 |
| Equity capital to assets | 13.4516% | 1,270 |
| Core capital (leverage) ratio | 13.0738% | 1,164 |
| Tier 1 risk-based capital ratio | 24.8923% | 823 |
| Total risk-based capital ratio | 26.1444% | 805 |
| Memoranda: | ||
| Average total assets | $170,188,500 | 3,299 |
| Average earning assets | $164,174,000 | 3,194 |
| Average equity | $22,639,750 | 2,951 |
| Average total loans | $84,371,750 | 3,720 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5743% | 1,321 |
| Cost of funding earning assets | 0.2570% | 4,580 |
| Net interest margin | 4.3173% | 889 |
| Noninterest income to average assets | 0.4550% | 3,489 |
| Noninterest expense to average assets | 2.6377% | 3,581 |
| Loan and lease loss provision to assets | 0.3545% | 460 |
| Net operating income to assets | 1.2181% | 1,538 |
| Return on assets (ROA) | 1.2350% | 1,580 |
| Pretax return on assets | 1.6545% | 1,210 |
| Return on Equity (ROE) | 9.3190% | 2,350 |
| Retained earnings to average equity (ytd only) | 5.5736% | 2,378 |
| Net charge-offs to loans | 0.5231% | 403 |
| Credit loss provision to net charge-offs | 137.6147% | 1,699 |
| Earnings coverage of net charge-offs (x) | 7.7110% | 2,601 |
| Efficiency ratio | 57.0406% | 5,020 |
| Assets per employee ($millions) | 4.4380% | 3,135 |
| Cash dividends to net income (ytd only)* | 40.1914% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4446% | 2,089 |
| Loan loss allowance to noncurrent loans | 158.6735% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 0.6939% | 2,899 |
| Noncurrent loans to loans | 0.9104% | 2,462 |
| Net loans and leases to total assets | 49.0348% | 4,907 |
| Net loans and leases to deposits | 59.7155% | 4,814 |
| Net loans and leases to core deposits | 62.0549% | 4,881 |
| Total domestic deposits to total assets | 82.1142% | 3,970 |
| Equity capital to assets | 13.3128% | 1,326 |
| Core capital (leverage) ratio | 12.8033% | 1,229 |
| Tier 1 risk-based capital ratio | 24.5547% | 850 |
| Total risk-based capital ratio | 25.8071% | 838 |
| Memoranda: | ||
| Average total assets | $169,237,000 | 3,317 |
| Average earning assets | $163,434,000 | 3,227 |
| Average equity | $22,427,330 | 2,979 |
| Average total loans | $83,347,000 | 3,771 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6214% | 1,211 |
| Cost of funding earning assets | 0.2600% | 4,609 |
| Net interest margin | 4.3613% | 811 |
| Noninterest income to average assets | 0.4471% | 3,508 |
| Noninterest expense to average assets | 2.6728% | 3,516 |
| Loan and lease loss provision to assets | 0.2391% | 757 |
| Net operating income to assets | 1.2958% | 1,269 |
| Return on assets (ROA) | 1.2958% | 1,349 |
| Pretax return on assets | 1.7452% | 952 |
| Return on Equity (ROE) | 9.8011% | 2,075 |
| Retained earnings to average equity (ytd only) | 9.8011% | 896 |
| Net charge-offs to loans | 0.5661% | 388 |
| Credit loss provision to net charge-offs | 86.2069% | 1,792 |
| Earnings coverage of net charge-offs (x) | 7.1552% | 2,168 |
| Efficiency ratio | 57.3922% | 5,064 |
| Assets per employee ($millions) | 4.5428% | 2,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3938% | 2,454 |
| Loan loss allowance to noncurrent loans | 200.0000% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 0.5735% | 3,344 |
| Noncurrent loans to loans | 0.6969% | 3,104 |
| Net loans and leases to total assets | 46.9648% | 5,052 |
| Net loans and leases to deposits | 54.2384% | 5,088 |
| Net loans and leases to core deposits | 56.2510% | 5,125 |
| Total domestic deposits to total assets | 86.5896% | 2,414 |
| Equity capital to assets | 13.0391% | 1,391 |
| Core capital (leverage) ratio | 13.1034% | 1,123 |
| Tier 1 risk-based capital ratio | 25.5575% | 767 |
| Total risk-based capital ratio | 26.8084% | 755 |
| Memoranda: | ||
| Average total assets | $167,315,000 | 3,368 |
| Average earning assets | $161,510,500 | 3,263 |
| Average equity | $22,120,000 | 3,013 |
| Average total loans | $81,963,500 | 3,804 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7341% | 1,042 |
| Cost of funding earning assets | 0.2932% | 4,329 |
| Net interest margin | 4.4409% | 726 |
| Noninterest income to average assets | 0.5123% | 3,246 |
| Noninterest expense to average assets | 2.8798% | 2,931 |
| Loan and lease loss provision to assets | 0.6053% | 175 |
| Net operating income to assets | 1.0143% | 2,286 |
| Return on assets (ROA) | 1.0143% | 2,367 |
| Pretax return on assets | 1.3119% | 2,236 |
| Return on Equity (ROE) | 7.3663% | 3,323 |
| Retained earnings to average equity (ytd only) | 2.5079% | 4,288 |
| Net charge-offs to loans | 1.1309% | 160 |
| Credit loss provision to net charge-offs | 107.3446% | 2,344 |
| Earnings coverage of net charge-offs (x) | 3.4000% | 3,733 |
| Efficiency ratio | 60.0345% | 4,904 |
| Assets per employee ($millions) | 4.1539% | 3,654 |
| Cash dividends to net income (ytd only)* | 65.9548% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4222% | 2,320 |
| Loan loss allowance to noncurrent loans | 117.3737% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 0.7963% | 2,681 |
| Noncurrent loans to loans | 1.2116% | 1,947 |
| Net loans and leases to total assets | 49.7182% | 4,897 |
| Net loans and leases to deposits | 57.8732% | 4,922 |
| Net loans and leases to core deposits | 59.8176% | 4,992 |
| Total domestic deposits to total assets | 85.9089% | 2,676 |
| Equity capital to assets | 13.4139% | 1,158 |
| Core capital (leverage) ratio | 13.2224% | 1,069 |
| Tier 1 risk-based capital ratio | 25.3165% | 792 |
| Total risk-based capital ratio | 26.5681% | 776 |
| Memoranda: | ||
| Average total assets | $156,953,400 | 3,471 |
| Average earning assets | $151,432,800 | 3,382 |
| Average equity | $21,611,800 | 3,013 |
| Average total loans | $78,259,000 | 3,881 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7396% | 1,028 |
| Cost of funding earning assets | 0.2990% | 4,351 |
| Net interest margin | 4.4406% | 734 |
| Noninterest income to average assets | 0.5061% | 3,322 |
| Noninterest expense to average assets | 2.8663% | 2,952 |
| Loan and lease loss provision to assets | 0.5438% | 180 |
| Net operating income to assets | 1.0551% | 2,195 |
| Return on assets (ROA) | 1.0551% | 2,290 |
| Pretax return on assets | 1.3822% | 2,090 |
| Return on Equity (ROE) | 7.6111% | 3,281 |
| Retained earnings to average equity (ytd only) | 4.2009% | 3,479 |
| Net charge-offs to loans | 0.8355% | 241 |
| Credit loss provision to net charge-offs | 130.9278% | 1,867 |
| Earnings coverage of net charge-offs (x) | 4.6371% | 3,325 |
| Efficiency ratio | 59.8106% | 4,915 |
| Assets per employee ($millions) | 4.0211% | 3,844 |
| Cash dividends to net income (ytd only)* | 44.8050% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5899% | 1,819 |
| Loan loss allowance to noncurrent loans | 150.0602% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 0.8991% | 2,626 |
| Noncurrent loans to loans | 1.0595% | 2,362 |
| Net loans and leases to total assets | 49.2192% | 4,996 |
| Net loans and leases to deposits | 57.4898% | 5,036 |
| Net loans and leases to core deposits | 59.4785% | 5,102 |
| Total domestic deposits to total assets | 85.6137% | 2,729 |
| Equity capital to assets | 14.0011% | 1,021 |
| Core capital (leverage) ratio | 13.7255% | 936 |
| Tier 1 risk-based capital ratio | 26.5061% | 729 |
| Total risk-based capital ratio | 27.7596% | 711 |
| Memoranda: | ||
| Average total assets | $155,691,000 | 3,519 |
| Average earning assets | $150,275,750 | 3,429 |
| Average equity | $21,582,000 | 3,037 |
| Average total loans | $77,397,000 | 3,938 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6895% | 1,091 |
| Cost of funding earning assets | 0.3007% | 4,391 |
| Net interest margin | 4.3888% | 776 |
| Noninterest income to average assets | 0.5099% | 3,307 |
| Noninterest expense to average assets | 2.8562% | 3,043 |
| Loan and lease loss provision to assets | 0.2575% | 662 |
| Net operating income to assets | 1.2233% | 1,531 |
| Return on assets (ROA) | 1.2233% | 1,607 |
| Pretax return on assets | 1.6431% | 1,210 |
| Return on Equity (ROE) | 8.8549% | 2,630 |
| Retained earnings to average equity (ytd only) | 3.7097% | 3,664 |
| Net charge-offs to loans | 0.4568% | 560 |
| Credit loss provision to net charge-offs | 113.6364% | 1,878 |
| Earnings coverage of net charge-offs (x) | 8.3864% | 2,568 |
| Efficiency ratio | 60.0433% | 4,973 |
| Assets per employee ($millions) | 4.1604% | 3,547 |
| Cash dividends to net income (ytd only)* | 58.1053% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4433% | 2,545 |
| Loan loss allowance to noncurrent loans | 167.0641% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 0.5130% | 3,904 |
| Noncurrent loans to loans | 0.8639% | 2,968 |
| Net loans and leases to total assets | 48.4190% | 5,062 |
| Net loans and leases to deposits | 56.3573% | 5,100 |
| Net loans and leases to core deposits | 58.2804% | 5,178 |
| Total domestic deposits to total assets | 85.9143% | 2,735 |
| Equity capital to assets | 13.5335% | 1,157 |
| Core capital (leverage) ratio | 13.4550% | 1,001 |
| Tier 1 risk-based capital ratio | 26.5127% | 739 |
| Total risk-based capital ratio | 27.7644% | 725 |
| Memoranda: | ||
| Average total assets | $155,313,670 | 3,549 |
| Average earning assets | $150,292,330 | 3,454 |
| Average equity | $21,457,000 | 3,060 |
| Average total loans | $77,051,330 | 3,975 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6954% | 1,041 |
| Cost of funding earning assets | 0.3035% | 4,404 |
| Net interest margin | 4.3919% | 747 |
| Noninterest income to average assets | 0.4886% | 3,358 |
| Noninterest expense to average assets | 2.9521% | 2,729 |
| Loan and lease loss provision to assets | 0.2599% | 619 |
| Net operating income to assets | 1.1356% | 1,739 |
| Return on assets (ROA) | 1.1356% | 1,848 |
| Pretax return on assets | 1.5254% | 1,477 |
| Return on Equity (ROE) | 8.1350% | 2,893 |
| Retained earnings to average equity (ytd only) | 8.1350% | 1,520 |
| Net charge-offs to loans | 0.2815% | 856 |
| Credit loss provision to net charge-offs | 185.1852% | 1,102 |
| Earnings coverage of net charge-offs (x) | 12.7222% | 1,777 |
| Efficiency ratio | 62.3149% | 4,746 |
| Assets per employee ($millions) | 4.0292% | 3,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4873% | 2,498 |
| Loan loss allowance to noncurrent loans | 147.2938% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 0.6256% | 3,613 |
| Noncurrent loans to loans | 1.0097% | 2,740 |
| Net loans and leases to total assets | 48.1809% | 5,012 |
| Net loans and leases to deposits | 56.2243% | 5,035 |
| Net loans and leases to core deposits | 58.2896% | 5,100 |
| Total domestic deposits to total assets | 85.6940% | 3,102 |
| Equity capital to assets | 13.9382% | 1,003 |
| Core capital (leverage) ratio | 13.7857% | 888 |
| Tier 1 risk-based capital ratio | 26.7528% | 734 |
| Total risk-based capital ratio | 28.0047% | 715 |
| Memoranda: | ||
| Average total assets | $153,922,000 | 3,591 |
| Average earning assets | $148,910,500 | 3,484 |
| Average equity | $21,487,500 | 3,079 |
| Average total loans | $76,742,000 | 3,996 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7099% | 1,282 |
| Cost of funding earning assets | 0.3264% | 4,528 |
| Net interest margin | 4.3835% | 906 |
| Noninterest income to average assets | 0.5705% | 3,048 |
| Noninterest expense to average assets | 2.8384% | 3,348 |
| Loan and lease loss provision to assets | 0.2921% | 708 |
| Net operating income to assets | 1.2367% | 1,475 |
| Return on assets (ROA) | 1.2371% | 1,527 |
| Pretax return on assets | 1.6766% | 1,035 |
| Return on Equity (ROE) | 9.3631% | 2,410 |
| Retained earnings to average equity (ytd only) | 5.0893% | 2,534 |
| Net charge-offs to loans | 0.6729% | 565 |
| Credit loss provision to net charge-offs | 90.7258% | 2,636 |
| Earnings coverage of net charge-offs (x) | 6.1129% | 3,271 |
| Efficiency ratio | 59.0547% | 5,340 |
| Assets per employee ($millions) | 3.8643% | 4,232 |
| Cash dividends to net income (ytd only)* | 45.6453% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4315% | 2,791 |
| Loan loss allowance to noncurrent loans | 133.1311% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 0.6841% | 3,525 |
| Noncurrent loans to loans | 1.0753% | 2,668 |
| Net loans and leases to total assets | 50.1198% | 4,960 |
| Net loans and leases to deposits | 60.4736% | 4,862 |
| Net loans and leases to core deposits | 62.8727% | 4,931 |
| Total domestic deposits to total assets | 82.8787% | 4,119 |
| Equity capital to assets | 13.9828% | 958 |
| Core capital (leverage) ratio | 13.4958% | 971 |
| Tier 1 risk-based capital ratio | 27.1475% | 674 |
| Total risk-based capital ratio | 28.4000% | 651 |
| Memoranda: | ||
| Average total assets | $154,065,200 | 3,573 |
| Average earning assets | $148,876,600 | 3,462 |
| Average equity | $20,356,600 | 3,124 |
| Average total loans | $73,712,600 | 4,067 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6533% | 1,426 |
| Cost of funding earning assets | 0.3270% | 4,592 |
| Net interest margin | 4.3262% | 996 |
| Noninterest income to average assets | 0.5793% | 2,998 |
| Noninterest expense to average assets | 2.8154% | 3,404 |
| Loan and lease loss provision to assets | 0.2797% | 733 |
| Net operating income to assets | 1.2283% | 1,586 |
| Return on assets (ROA) | 1.2283% | 1,646 |
| Pretax return on assets | 1.6629% | 1,153 |
| Return on Equity (ROE) | 9.4294% | 2,487 |
| Retained earnings to average equity (ytd only) | 6.8920% | 1,874 |
| Net charge-offs to loans | 0.7417% | 460 |
| Credit loss provision to net charge-offs | 80.0493% | 2,589 |
| Earnings coverage of net charge-offs (x) | 5.5591% | 3,236 |
| Efficiency ratio | 59.1715% | 5,293 |
| Assets per employee ($millions) | 4.0530% | 3,769 |
| Cash dividends to net income (ytd only)* | 26.9097% | 2,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4008% | 3,173 |
| Loan loss allowance to noncurrent loans | 75.5872% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 1.0441% | 2,874 |
| Noncurrent loans to loans | 1.8533% | 1,723 |
| Net loans and leases to total assets | 48.5345% | 5,146 |
| Net loans and leases to deposits | 56.3377% | 5,222 |
| Net loans and leases to core deposits | 58.3019% | 5,316 |
| Total domestic deposits to total assets | 86.1493% | 2,781 |
| Equity capital to assets | 13.6092% | 1,142 |
| Core capital (leverage) ratio | 13.6226% | 957 |
| Tier 1 risk-based capital ratio | 27.6791% | 664 |
| Total risk-based capital ratio | 28.9316% | 648 |
| Memoranda: | ||
| Average total assets | $154,904,750 | 3,588 |
| Average earning assets | $149,625,750 | 3,475 |
| Average equity | $20,177,500 | 3,151 |
| Average total loans | $72,983,000 | 4,121 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6221% | 1,467 |
| Cost of funding earning assets | 0.3331% | 4,610 |
| Net interest margin | 4.2890% | 1,045 |
| Noninterest income to average assets | 0.5438% | 3,179 |
| Noninterest expense to average assets | 2.8286% | 3,400 |
| Loan and lease loss provision to assets | 0.1611% | 1,542 |
| Net operating income to assets | 1.2487% | 1,449 |
| Return on assets (ROA) | 1.2487% | 1,510 |
| Pretax return on assets | 1.7023% | 1,016 |
| Return on Equity (ROE) | 9.7305% | 2,268 |
| Retained earnings to average equity (ytd only) | 5.8745% | 2,399 |
| Net charge-offs to loans | 0.2054% | 1,792 |
| Credit loss provision to net charge-offs | 168.9189% | 1,338 |
| Earnings coverage of net charge-offs (x) | 19.5405% | 1,618 |
| Efficiency ratio | 60.2856% | 5,253 |
| Assets per employee ($millions) | 3.7550% | 4,342 |
| Cash dividends to net income (ytd only)* | 39.6285% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6307% | 2,357 |
| Loan loss allowance to noncurrent loans | 104.0976% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 0.9256% | 3,234 |
| Noncurrent loans to loans | 1.5665% | 2,212 |
| Net loans and leases to total assets | 46.7835% | 5,288 |
| Net loans and leases to deposits | 54.2088% | 5,342 |
| Net loans and leases to core deposits | 56.1323% | 5,403 |
| Total domestic deposits to total assets | 86.3024% | 2,878 |
| Equity capital to assets | 13.2468% | 1,247 |
| Core capital (leverage) ratio | 12.7881% | 1,245 |
| Tier 1 risk-based capital ratio | 27.7774% | 658 |
| Total risk-based capital ratio | 29.0326% | 643 |
| Memoranda: | ||
| Average total assets | $155,201,670 | 3,606 |
| Average earning assets | $150,104,000 | 3,483 |
| Average equity | $19,916,670 | 3,177 |
| Average total loans | $72,040,000 | 4,160 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5470% | 1,658 |
| Cost of funding earning assets | 0.3369% | 4,672 |
| Net interest margin | 4.2101% | 1,191 |
| Noninterest income to average assets | 0.5185% | 3,275 |
| Noninterest expense to average assets | 2.7954% | 3,586 |
| Loan and lease loss provision to assets | 0.1283% | 1,895 |
| Net operating income to assets | 1.2193% | 1,426 |
| Return on assets (ROA) | 1.2193% | 1,484 |
| Pretax return on assets | 1.6685% | 1,035 |
| Return on Equity (ROE) | 9.6555% | 2,175 |
| Retained earnings to average equity (ytd only) | 9.6555% | 1,062 |
| Net charge-offs to loans | 0.1624% | 1,744 |
| Credit loss provision to net charge-offs | 172.4138% | 1,150 |
| Earnings coverage of net charge-offs (x) | 24.1379% | 1,188 |
| Efficiency ratio | 60.8720% | 5,281 |
| Assets per employee ($millions) | 4.1142% | 3,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6251% | 2,595 |
| Loan loss allowance to noncurrent loans | 97.4059% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 0.8128% | 3,704 |
| Noncurrent loans to loans | 1.6684% | 2,324 |
| Net loans and leases to total assets | 41.7713% | 5,688 |
| Net loans and leases to deposits | 47.4712% | 5,765 |
| Net loans and leases to core deposits | 48.8864% | 5,830 |
| Total domestic deposits to total assets | 87.9929% | 2,242 |
| Equity capital to assets | 11.8981% | 1,940 |
| Core capital (leverage) ratio | 12.4801% | 1,396 |
| Tier 1 risk-based capital ratio | 28.0896% | 638 |
| Total risk-based capital ratio | 29.3337% | 623 |
| Memoranda: | ||
| Average total assets | $155,825,500 | 3,626 |
| Average earning assets | $150,781,000 | 3,492 |
| Average equity | $19,678,000 | 3,204 |
| Average total loans | $71,450,500 | 4,223 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0105% | 903 |
| Cost of funding earning assets | 0.4014% | 4,643 |
| Net interest margin | 4.6091% | 601 |
| Noninterest income to average assets | 0.6228% | 2,958 |
| Noninterest expense to average assets | 3.0331% | 2,952 |
| Loan and lease loss provision to assets | 0.2463% | 1,467 |
| Net operating income to assets | 1.3352% | 1,168 |
| Return on assets (ROA) | 1.3357% | 1,209 |
| Pretax return on assets | 1.7727% | 805 |
| Return on Equity (ROE) | 9.7660% | 2,211 |
| Retained earnings to average equity (ytd only) | 5.4438% | 2,319 |
| Net charge-offs to loans | 0.4459% | 1,487 |
| Credit loss provision to net charge-offs | 112.9032% | 2,139 |
| Earnings coverage of net charge-offs (x) | 9.2516% | 2,531 |
| Efficiency ratio | 60.0446% | 5,466 |
| Assets per employee ($millions) | 3.4040% | 5,076 |
| Cash dividends to net income (ytd only)* | 44.2571% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6036% | 2,748 |
| Loan loss allowance to noncurrent loans | 75.1974% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 1.1261% | 3,144 |
| Noncurrent loans to loans | 2.1326% | 1,844 |
| Net loans and leases to total assets | 49.0550% | 5,188 |
| Net loans and leases to deposits | 57.0697% | 5,202 |
| Net loans and leases to core deposits | 59.4076% | 5,264 |
| Total domestic deposits to total assets | 85.9563% | 3,279 |
| Equity capital to assets | 13.4897% | 1,074 |
| Core capital (leverage) ratio | 13.6029% | 927 |
| Tier 1 risk-based capital ratio | 27.6307% | 632 |
| Total risk-based capital ratio | 28.8855% | 620 |
| Memoranda: | ||
| Average total assets | $142,097,400 | 3,842 |
| Average earning assets | $136,533,200 | 3,715 |
| Average equity | $19,434,800 | 3,219 |
| Average total loans | $69,516,400 | 4,286 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0081% | 928 |
| Cost of funding earning assets | 0.4071% | 4,763 |
| Net interest margin | 4.6010% | 619 |
| Noninterest income to average assets | 0.6240% | 3,017 |
| Noninterest expense to average assets | 3.0184% | 2,928 |
| Loan and lease loss provision to assets | 0.2584% | 1,375 |
| Net operating income to assets | 1.3337% | 1,259 |
| Return on assets (ROA) | 1.3344% | 1,310 |
| Pretax return on assets | 1.7658% | 968 |
| Return on Equity (ROE) | 9.7231% | 2,297 |
| Retained earnings to average equity (ytd only) | 7.1759% | 1,799 |
| Net charge-offs to loans | 0.2239% | 2,467 |
| Credit loss provision to net charge-offs | 237.0690% | 1,029 |
| Earnings coverage of net charge-offs (x) | 18.5606% | 1,670 |
| Efficiency ratio | 59.8695% | 5,458 |
| Assets per employee ($millions) | 3.4064% | 5,051 |
| Cash dividends to net income (ytd only)* | 26.1973% | 2,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8138% | 2,262 |
| Loan loss allowance to noncurrent loans | 91.5156% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 1.0932% | 3,471 |
| Noncurrent loans to loans | 1.9819% | 2,272 |
| Net loans and leases to total assets | 47.7507% | 5,379 |
| Net loans and leases to deposits | 55.4045% | 5,420 |
| Net loans and leases to core deposits | 57.8121% | 5,466 |
| Total domestic deposits to total assets | 86.1856% | 3,143 |
| Equity capital to assets | 13.5824% | 1,084 |
| Core capital (leverage) ratio | 13.9277% | 884 |
| Tier 1 risk-based capital ratio | 28.2915% | 609 |
| Total risk-based capital ratio | 29.5481% | 596 |
| Memoranda: | ||
| Average total assets | $141,879,750 | 3,890 |
| Average earning assets | $136,228,000 | 3,757 |
| Average equity | $19,472,000 | 3,247 |
| Average total loans | $69,076,500 | 4,338 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0254% | 876 |
| Cost of funding earning assets | 0.4150% | 4,809 |
| Net interest margin | 4.6104% | 586 |
| Noninterest income to average assets | 0.6234% | 3,057 |
| Noninterest expense to average assets | 3.0491% | 2,840 |
| Loan and lease loss provision to assets | 0.2827% | 1,286 |
| Net operating income to assets | 1.3104% | 1,301 |
| Return on assets (ROA) | 1.3104% | 1,383 |
| Pretax return on assets | 1.7203% | 1,071 |
| Return on Equity (ROE) | 9.5149% | 2,412 |
| Retained earnings to average equity (ytd only) | 5.6966% | 2,614 |
| Net charge-offs to loans | 0.2235% | 2,394 |
| Credit loss provision to net charge-offs | 259.7403% | 967 |
| Earnings coverage of net charge-offs (x) | 18.4026% | 1,552 |
| Efficiency ratio | 60.3525% | 5,428 |
| Assets per employee ($millions) | 3.4375% | 4,979 |
| Cash dividends to net income (ytd only)* | 40.1294% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7625% | 2,554 |
| Loan loss allowance to noncurrent loans | 83.1750% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 1.2325% | 3,285 |
| Noncurrent loans to loans | 2.1190% | 2,262 |
| Net loans and leases to total assets | 48.4873% | 5,285 |
| Net loans and leases to deposits | 56.4061% | 5,293 |
| Net loans and leases to core deposits | 58.3714% | 5,391 |
| Total domestic deposits to total assets | 85.9610% | 3,391 |
| Equity capital to assets | 13.5828% | 1,091 |
| Core capital (leverage) ratio | 13.2801% | 1,061 |
| Tier 1 risk-based capital ratio | 27.5310% | 660 |
| Total risk-based capital ratio | 28.7868% | 647 |
| Memoranda: | ||
| Average total assets | $141,483,670 | 3,921 |
| Average earning assets | $135,910,670 | 3,793 |
| Average equity | $19,485,330 | 3,263 |
| Average total loans | $68,909,330 | 4,350 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9956% | 895 |
| Cost of funding earning assets | 0.4173% | 4,934 |
| Net interest margin | 4.5784% | 583 |
| Noninterest income to average assets | 0.5643% | 3,347 |
| Noninterest expense to average assets | 3.1067% | 2,652 |
| Loan and lease loss provision to assets | 0.2822% | 1,250 |
| Net operating income to assets | 1.2246% | 1,452 |
| Return on assets (ROA) | 1.2246% | 1,565 |
| Pretax return on assets | 1.5717% | 1,373 |
| Return on Equity (ROE) | 8.8317% | 2,563 |
| Retained earnings to average equity (ytd only) | 8.8317% | 1,442 |
| Net charge-offs to loans | 0.2800% | 1,840 |
| Credit loss provision to net charge-offs | 208.3333% | 1,054 |
| Earnings coverage of net charge-offs (x) | 13.6875% | 1,508 |
| Efficiency ratio | 62.6280% | 5,213 |
| Assets per employee ($millions) | 3.4784% | 5,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6973% | 3,020 |
| Loan loss allowance to noncurrent loans | 91.0165% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 0.9597% | 4,013 |
| Noncurrent loans to loans | 1.8648% | 2,778 |
| Net loans and leases to total assets | 45.7906% | 5,459 |
| Net loans and leases to deposits | 53.2264% | 5,500 |
| Net loans and leases to core deposits | 55.5324% | 5,556 |
| Total domestic deposits to total assets | 86.0299% | 3,513 |
| Equity capital to assets | 13.5744% | 1,186 |
| Core capital (leverage) ratio | 13.6209% | 901 |
| Tier 1 risk-based capital ratio | 27.6650% | 660 |
| Total risk-based capital ratio | 28.9203% | 647 |
| Memoranda: | ||
| Average total assets | $141,757,500 | 3,952 |
| Average earning assets | $136,118,500 | 3,823 |
| Average equity | $19,656,500 | 3,289 |
| Average total loans | $68,583,000 | 4,394 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2657% | 992 |
| Cost of funding earning assets | 0.5228% | 5,047 |
| Net interest margin | 4.7429% | 606 |
| Noninterest income to average assets | 0.6426% | 3,034 |
| Noninterest expense to average assets | 2.9719% | 3,377 |
| Loan and lease loss provision to assets | 0.4402% | 1,440 |
| Net operating income to assets | 1.3095% | 1,276 |
| Return on assets (ROA) | 1.3095% | 1,414 |
| Pretax return on assets | 1.7827% | 951 |
| Return on Equity (ROE) | 9.3543% | 2,460 |
| Retained earnings to average equity (ytd only) | 5.1095% | 2,633 |
| Net charge-offs to loans | 0.5407% | 2,109 |
| Credit loss provision to net charge-offs | 163.4877% | 1,648 |
| Earnings coverage of net charge-offs (x) | 8.2561% | 2,442 |
| Efficiency ratio | 57.2094% | 5,932 |
| Assets per employee ($millions) | 3.3518% | 5,328 |
| Cash dividends to net income (ytd only)* | 45.3782% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5959% | 3,339 |
| Loan loss allowance to noncurrent loans | 117.9679% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 0.7924% | 4,486 |
| Noncurrent loans to loans | 1.3528% | 3,574 |
| Net loans and leases to total assets | 49.4906% | 5,240 |
| Net loans and leases to deposits | 58.2225% | 5,213 |
| Net loans and leases to core deposits | 60.9410% | 5,279 |
| Total domestic deposits to total assets | 85.0026% | 3,864 |
| Equity capital to assets | 14.1766% | 978 |
| Core capital (leverage) ratio | 13.4406% | 969 |
| Tier 1 risk-based capital ratio | 27.1724% | 676 |
| Total risk-based capital ratio | 28.4269% | 660 |
| Memoranda: | ||
| Average total assets | $136,310,800 | 4,018 |
| Average earning assets | $130,828,200 | 3,881 |
| Average equity | $19,082,200 | 3,322 |
| Average total loans | $67,873,600 | 4,428 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2612% | 1,080 |
| Cost of funding earning assets | 0.5417% | 5,151 |
| Net interest margin | 4.7194% | 650 |
| Noninterest income to average assets | 0.6371% | 3,065 |
| Noninterest expense to average assets | 2.9561% | 3,385 |
| Loan and lease loss provision to assets | 0.3431% | 1,911 |
| Net operating income to assets | 1.3732% | 1,282 |
| Return on assets (ROA) | 1.3732% | 1,419 |
| Pretax return on assets | 1.8721% | 918 |
| Return on Equity (ROE) | 9.8405% | 2,423 |
| Retained earnings to average equity (ytd only) | 7.3541% | 1,919 |
| Net charge-offs to loans | 0.3493% | 2,705 |
| Credit loss provision to net charge-offs | 197.7401% | 1,405 |
| Earnings coverage of net charge-offs (x) | 12.7686% | 1,974 |
| Efficiency ratio | 57.1645% | 5,899 |
| Assets per employee ($millions) | 3.4059% | 5,194 |
| Cash dividends to net income (ytd only)* | 25.2678% | 2,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5199% | 3,864 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 0.7791% | 4,761 |
| Noncurrent loans to loans | 1.5199% | 3,502 |
| Net loans and leases to total assets | 48.3948% | 5,502 |
| Net loans and leases to deposits | 56.7499% | 5,562 |
| Net loans and leases to core deposits | 59.4073% | 5,615 |
| Total domestic deposits to total assets | 85.2775% | 3,628 |
| Equity capital to assets | 14.0609% | 1,135 |
| Core capital (leverage) ratio | 13.9806% | 841 |
| Tier 1 risk-based capital ratio | 27.3520% | 711 |
| Total risk-based capital ratio | 28.6056% | 691 |
| Memoranda: | ||
| Average total assets | $136,032,500 | 4,062 |
| Average earning assets | $130,690,500 | 3,921 |
| Average equity | $18,982,250 | 3,370 |
| Average total loans | $67,563,250 | 4,483 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2976% | 1,065 |
| Cost of funding earning assets | 0.5710% | 5,138 |
| Net interest margin | 4.7266% | 638 |
| Noninterest income to average assets | 0.5963% | 3,278 |
| Noninterest expense to average assets | 2.9608% | 3,405 |
| Loan and lease loss provision to assets | 0.2967% | 2,207 |
| Net operating income to assets | 1.3840% | 1,222 |
| Return on assets (ROA) | 1.3840% | 1,368 |
| Pretax return on assets | 1.8824% | 877 |
| Return on Equity (ROE) | 9.9442% | 2,380 |
| Retained earnings to average equity (ytd only) | 6.1712% | 2,588 |
| Net charge-offs to loans | 0.1726% | 3,567 |
| Credit loss provision to net charge-offs | 344.8276% | 854 |
| Earnings coverage of net charge-offs (x) | 25.3276% | 1,201 |
| Efficiency ratio | 57.6046% | 5,921 |
| Assets per employee ($millions) | 3.2894% | 5,465 |
| Cash dividends to net income (ytd only)* | 37.9421% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4927% | 4,042 |
| Loan loss allowance to noncurrent loans | 103.6885% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 0.7237% | 4,986 |
| Noncurrent loans to loans | 1.4396% | 3,760 |
| Net loans and leases to total assets | 49.5180% | 5,420 |
| Net loans and leases to deposits | 58.2317% | 5,422 |
| Net loans and leases to core deposits | 60.9184% | 5,499 |
| Total domestic deposits to total assets | 85.0363% | 3,839 |
| Equity capital to assets | 14.1185% | 1,044 |
| Core capital (leverage) ratio | 13.0306% | 1,141 |
| Tier 1 risk-based capital ratio | 27.1037% | 718 |
| Total risk-based capital ratio | 28.3570% | 701 |
| Memoranda: | ||
| Average total assets | $134,829,000 | 4,102 |
| Average earning assets | $129,605,670 | 3,968 |
| Average equity | $18,764,670 | 3,391 |
| Average total loans | $67,210,000 | 4,514 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2761% | 1,152 |
| Cost of funding earning assets | 0.5866% | 5,241 |
| Net interest margin | 4.6895% | 697 |
| Noninterest income to average assets | 0.5727% | 3,400 |
| Noninterest expense to average assets | 2.9493% | 3,445 |
| Loan and lease loss provision to assets | 0.2967% | 2,103 |
| Net operating income to assets | 1.3441% | 1,335 |
| Return on assets (ROA) | 1.3441% | 1,494 |
| Pretax return on assets | 1.8337% | 1,007 |
| Return on Equity (ROE) | 9.7281% | 2,505 |
| Retained earnings to average equity (ytd only) | 9.7281% | 1,345 |
| Net charge-offs to loans | 0.1375% | 3,277 |
| Credit loss provision to net charge-offs | 434.7826% | 740 |
| Earnings coverage of net charge-offs (x) | 31.2174% | 894 |
| Efficiency ratio | 58.0607% | 5,907 |
| Assets per employee ($millions) | 3.4235% | 5,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4229% | 4,504 |
| Loan loss allowance to noncurrent loans | 91.4093% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 0.7381% | 5,072 |
| Noncurrent loans to loans | 1.5566% | 3,777 |
| Net loans and leases to total assets | 46.7410% | 5,704 |
| Net loans and leases to deposits | 54.2614% | 5,782 |
| Net loans and leases to core deposits | 56.6314% | 5,850 |
| Total domestic deposits to total assets | 86.1404% | 3,450 |
| Equity capital to assets | 13.4115% | 1,270 |
| Core capital (leverage) ratio | 13.5747% | 920 |
| Tier 1 risk-based capital ratio | 27.2829% | 704 |
| Total risk-based capital ratio | 28.5351% | 688 |
| Memoranda: | ||
| Average total assets | $134,810,500 | 4,131 |
| Average earning assets | $129,565,000 | 3,996 |
| Average equity | $18,626,500 | 3,403 |
| Average total loans | $66,917,500 | 4,550 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5812% | 991 |
| Cost of funding earning assets | 0.7799% | 5,002 |
| Net interest margin | 4.8013% | 619 |
| Noninterest income to average assets | 0.7151% | 2,519 |
| Noninterest expense to average assets | 3.1377% | 3,072 |
| Loan and lease loss provision to assets | 0.6898% | 1,483 |
| Net operating income to assets | 1.1000% | 1,835 |
| Return on assets (ROA) | 1.1006% | 1,944 |
| Pretax return on assets | 1.4838% | 1,520 |
| Return on Equity (ROE) | 8.0194% | 2,888 |
| Retained earnings to average equity (ytd only) | 3.6635% | 3,605 |
| Net charge-offs to loans | 1.3856% | 1,180 |
| Credit loss provision to net charge-offs | 97.0874% | 3,709 |
| Earnings coverage of net charge-offs (x) | 3.0583% | 3,678 |
| Efficiency ratio | 59.0850% | 5,889 |
| Assets per employee ($millions) | 3.0775% | 5,943 |
| Cash dividends to net income (ytd only)* | 54.3175% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2931% | 4,935 |
| Loan loss allowance to noncurrent loans | 83.6538% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 0.8046% | 5,022 |
| Noncurrent loans to loans | 1.5458% | 3,838 |
| Net loans and leases to total assets | 51.3787% | 5,407 |
| Net loans and leases to deposits | 60.6916% | 5,409 |
| Net loans and leases to core deposits | 64.7435% | 5,392 |
| Total domestic deposits to total assets | 84.6553% | 4,016 |
| Equity capital to assets | 14.2570% | 985 |
| Core capital (leverage) ratio | 13.4257% | 994 |
| Tier 1 risk-based capital ratio | 26.3934% | 748 |
| Total risk-based capital ratio | 27.6435% | 736 |
| Memoranda: | ||
| Average total assets | $130,477,800 | 4,161 |
| Average earning assets | $124,884,000 | 4,037 |
| Average equity | $17,906,600 | 3,441 |
| Average total loans | $66,902,200 | 4,600 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5424% | 1,154 |
| Cost of funding earning assets | 0.8172% | 5,034 |
| Net interest margin | 4.7252% | 719 |
| Noninterest income to average assets | 0.7248% | 2,453 |
| Noninterest expense to average assets | 3.1665% | 2,937 |
| Loan and lease loss provision to assets | 0.3313% | 2,893 |
| Net operating income to assets | 1.2907% | 1,402 |
| Return on assets (ROA) | 1.2907% | 1,498 |
| Pretax return on assets | 1.7484% | 1,046 |
| Return on Equity (ROE) | 9.4956% | 2,392 |
| Retained earnings to average equity (ytd only) | 6.9304% | 2,005 |
| Net charge-offs to loans | 0.3752% | 3,227 |
| Credit loss provision to net charge-offs | 172.8723% | 1,734 |
| Earnings coverage of net charge-offs (x) | 10.8511% | 1,872 |
| Efficiency ratio | 60.3576% | 5,657 |
| Assets per employee ($millions) | 3.0837% | 5,936 |
| Cash dividends to net income (ytd only)* | 27.0143% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5315% | 3,955 |
| Loan loss allowance to noncurrent loans | 69.2565% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 1.1448% | 4,499 |
| Noncurrent loans to loans | 2.2114% | 3,096 |
| Net loans and leases to total assets | 50.1354% | 5,688 |
| Net loans and leases to deposits | 58.7113% | 5,778 |
| Net loans and leases to core deposits | 62.3038% | 5,796 |
| Total domestic deposits to total assets | 85.3930% | 3,561 |
| Equity capital to assets | 14.1025% | 1,121 |
| Core capital (leverage) ratio | 13.9932% | 907 |
| Tier 1 risk-based capital ratio | 26.6787% | 764 |
| Total risk-based capital ratio | 27.9323% | 747 |
| Memoranda: | ||
| Average total assets | $130,783,250 | 4,186 |
| Average earning assets | $125,140,500 | 4,063 |
| Average equity | $17,776,250 | 3,457 |
| Average total loans | $66,807,750 | 4,638 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5367% | 1,215 |
| Cost of funding earning assets | 0.8540% | 5,032 |
| Net interest margin | 4.6827% | 758 |
| Noninterest income to average assets | 0.6960% | 2,575 |
| Noninterest expense to average assets | 3.2218% | 2,828 |
| Loan and lease loss provision to assets | 0.2689% | 3,243 |
| Net operating income to assets | 1.2322% | 1,484 |
| Return on assets (ROA) | 1.2322% | 1,556 |
| Pretax return on assets | 1.6869% | 1,083 |
| Return on Equity (ROE) | 9.1823% | 2,442 |
| Retained earnings to average equity (ytd only) | 5.2667% | 2,826 |
| Net charge-offs to loans | 0.4536% | 2,765 |
| Credit loss provision to net charge-offs | 115.8940% | 2,641 |
| Earnings coverage of net charge-offs (x) | 8.4305% | 2,059 |
| Efficiency ratio | 62.2255% | 5,556 |
| Assets per employee ($millions) | 3.0627% | 5,949 |
| Cash dividends to net income (ytd only)* | 42.6434% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3734% | 4,710 |
| Loan loss allowance to noncurrent loans | 72.9216% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 0.9819% | 4,902 |
| Noncurrent loans to loans | 1.8833% | 3,632 |
| Net loans and leases to total assets | 51.4184% | 5,642 |
| Net loans and leases to deposits | 60.4276% | 5,685 |
| Net loans and leases to core deposits | 63.1961% | 5,797 |
| Total domestic deposits to total assets | 85.0909% | 3,839 |
| Equity capital to assets | 13.9560% | 1,108 |
| Core capital (leverage) ratio | 13.0222% | 1,153 |
| Tier 1 risk-based capital ratio | 25.8145% | 826 |
| Total risk-based capital ratio | 27.0657% | 810 |
| Memoranda: | ||
| Average total assets | $130,177,330 | 4,231 |
| Average earning assets | $124,586,330 | 4,107 |
| Average equity | $17,468,330 | 3,501 |
| Average total loans | $66,572,330 | 4,699 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4689% | 1,383 |
| Cost of funding earning assets | 0.8743% | 5,098 |
| Net interest margin | 4.5946% | 870 |
| Noninterest income to average assets | 0.6690% | 2,732 |
| Noninterest expense to average assets | 3.1982% | 2,903 |
| Loan and lease loss provision to assets | 0.2291% | 3,362 |
| Net operating income to assets | 1.1974% | 1,530 |
| Return on assets (ROA) | 1.1974% | 1,577 |
| Pretax return on assets | 1.6403% | 1,102 |
| Return on Equity (ROE) | 9.1023% | 2,440 |
| Retained earnings to average equity (ytd only) | 9.1023% | 1,354 |
| Net charge-offs to loans | 0.5247% | 2,174 |
| Credit loss provision to net charge-offs | 86.2069% | 3,012 |
| Earnings coverage of net charge-offs (x) | 7.0345% | 2,012 |
| Efficiency ratio | 63.1103% | 5,501 |
| Assets per employee ($millions) | 3.1202% | 5,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3382% | 4,956 |
| Loan loss allowance to noncurrent loans | 87.6238% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 0.7528% | 5,418 |
| Noncurrent loans to loans | 1.5272% | 4,183 |
| Net loans and leases to total assets | 48.6331% | 6,001 |
| Net loans and leases to deposits | 56.0177% | 6,122 |
| Net loans and leases to core deposits | 58.2366% | 6,232 |
| Total domestic deposits to total assets | 86.8173% | 3,042 |
| Equity capital to assets | 13.0538% | 1,359 |
| Core capital (leverage) ratio | 13.2787% | 1,034 |
| Tier 1 risk-based capital ratio | 26.2466% | 764 |
| Total risk-based capital ratio | 27.4981% | 749 |
| Memoranda: | ||
| Average total assets | $130,949,500 | 4,234 |
| Average earning assets | $125,364,500 | 4,115 |
| Average equity | $17,226,500 | 3,532 |
| Average total loans | $66,327,500 | 4,755 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8121% | 1,250 |
| Cost of funding earning assets | 1.0394% | 5,488 |
| Net interest margin | 4.7727% | 696 |
| Noninterest income to average assets | 0.7338% | 2,629 |
| Noninterest expense to average assets | 3.1358% | 3,320 |
| Loan and lease loss provision to assets | 0.4014% | 3,707 |
| Net operating income to assets | 1.2283% | 1,348 |
| Return on assets (ROA) | 1.2283% | 1,422 |
| Pretax return on assets | 1.7566% | 839 |
| Return on Equity (ROE) | 8.9506% | 2,313 |
| Retained earnings to average equity (ytd only) | 4.5631% | 2,681 |
| Net charge-offs to loans | 0.9115% | 2,366 |
| Credit loss provision to net charge-offs | 82.9187% | 5,449 |
| Earnings coverage of net charge-offs (x) | 4.4577% | 2,918 |
| Efficiency ratio | 59.2357% | 6,154 |
| Assets per employee ($millions) | 3.1933% | 5,688 |
| Cash dividends to net income (ytd only)* | 49.0196% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3485% | 4,758 |
| Loan loss allowance to noncurrent loans | 92.0000% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 0.7633% | 5,487 |
| Noncurrent loans to loans | 1.4657% | 4,286 |
| Net loans and leases to total assets | 51.3759% | 6,004 |
| Net loans and leases to deposits | 59.5804% | 6,105 |
| Net loans and leases to core deposits | 62.6694% | 6,181 |
| Total domestic deposits to total assets | 86.2297% | 3,239 |
| Equity capital to assets | 13.2615% | 1,272 |
| Core capital (leverage) ratio | 13.1122% | 1,091 |
| Tier 1 risk-based capital ratio | 25.4851% | 804 |
| Total risk-based capital ratio | 26.7359% | 776 |
| Memoranda: | ||
| Average total assets | $124,560,600 | 4,387 |
| Average earning assets | $119,009,800 | 4,254 |
| Average equity | $17,093,800 | 3,576 |
| Average total loans | $66,154,000 | 4,817 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8506% | 1,254 |
| Cost of funding earning assets | 1.0578% | 5,662 |
| Net interest margin | 4.7928% | 685 |
| Noninterest income to average assets | 0.7519% | 2,495 |
| Noninterest expense to average assets | 3.1553% | 3,089 |
| Loan and lease loss provision to assets | 0.2962% | 4,205 |
| Net operating income to assets | 1.3186% | 1,303 |
| Return on assets (ROA) | 1.3186% | 1,376 |
| Pretax return on assets | 1.8787% | 801 |
| Return on Equity (ROE) | 9.5255% | 2,312 |
| Retained earnings to average equity (ytd only) | 7.0041% | 1,845 |
| Net charge-offs to loans | 0.4501% | 3,502 |
| Credit loss provision to net charge-offs | 123.3184% | 3,328 |
| Earnings coverage of net charge-offs (x) | 9.0537% | 2,070 |
| Efficiency ratio | 59.1956% | 6,084 |
| Assets per employee ($millions) | 3.2667% | 5,548 |
| Cash dividends to net income (ytd only)* | 26.4706% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5909% | 3,560 |
| Loan loss allowance to noncurrent loans | 91.7976% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 0.8995% | 5,305 |
| Noncurrent loans to loans | 1.7330% | 4,047 |
| Net loans and leases to total assets | 51.0797% | 6,211 |
| Net loans and leases to deposits | 59.6754% | 6,337 |
| Net loans and leases to core deposits | 61.8405% | 6,477 |
| Total domestic deposits to total assets | 85.5959% | 3,297 |
| Equity capital to assets | 13.9316% | 1,188 |
| Core capital (leverage) ratio | 13.7600% | 976 |
| Tier 1 risk-based capital ratio | 26.2395% | 754 |
| Total risk-based capital ratio | 27.4936% | 740 |
| Memoranda: | ||
| Average total assets | $123,768,000 | 4,463 |
| Average earning assets | $118,229,750 | 4,329 |
| Average equity | $17,132,500 | 3,615 |
| Average total loans | $66,062,500 | 4,902 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9001% | 1,185 |
| Cost of funding earning assets | 1.0762% | 5,802 |
| Net interest margin | 4.8240% | 635 |
| Noninterest income to average assets | 0.7327% | 2,500 |
| Noninterest expense to average assets | 3.2197% | 2,836 |
| Loan and lease loss provision to assets | 0.2856% | 4,110 |
| Net operating income to assets | 1.2892% | 1,332 |
| Return on assets (ROA) | 1.2892% | 1,391 |
| Pretax return on assets | 1.8359% | 826 |
| Return on Equity (ROE) | 9.3342% | 2,338 |
| Retained earnings to average equity (ytd only) | 5.5060% | 2,608 |
| Net charge-offs to loans | 0.4482% | 3,188 |
| Credit loss provision to net charge-offs | 118.2432% | 3,436 |
| Earnings coverage of net charge-offs (x) | 8.7838% | 2,098 |
| Efficiency ratio | 60.2811% | 5,998 |
| Assets per employee ($millions) | 3.0930% | 5,935 |
| Cash dividends to net income (ytd only)* | 41.0127% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5355% | 3,739 |
| Loan loss allowance to noncurrent loans | 89.9299% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 0.9231% | 5,277 |
| Noncurrent loans to loans | 1.7074% | 4,127 |
| Net loans and leases to total assets | 53.2324% | 6,088 |
| Net loans and leases to deposits | 62.1865% | 6,217 |
| Net loans and leases to core deposits | 64.2523% | 6,383 |
| Total domestic deposits to total assets | 85.6011% | 3,314 |
| Equity capital to assets | 13.8436% | 1,225 |
| Core capital (leverage) ratio | 13.3062% | 1,114 |
| Tier 1 risk-based capital ratio | 25.3370% | 820 |
| Total risk-based capital ratio | 26.5902% | 801 |
| Memoranda: | ||
| Average total assets | $122,557,000 | 4,514 |
| Average earning assets | $117,082,000 | 4,390 |
| Average equity | $16,927,000 | 3,644 |
| Average total loans | $66,040,670 | 4,939 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8942% | 1,212 |
| Cost of funding earning assets | 1.0970% | 5,926 |
| Net interest margin | 4.7972% | 650 |
| Noninterest income to average assets | 0.6854% | 2,692 |
| Noninterest expense to average assets | 3.2465% | 2,713 |
| Loan and lease loss provision to assets | 0.2459% | 4,077 |
| Net operating income to assets | 1.2429% | 1,420 |
| Return on assets (ROA) | 1.2429% | 1,493 |
| Pretax return on assets | 1.7676% | 938 |
| Return on Equity (ROE) | 9.0093% | 2,495 |
| Retained earnings to average equity (ytd only) | 9.0093% | 1,401 |
| Net charge-offs to loans | 0.0366% | 5,071 |
| Credit loss provision to net charge-offs | 1,250.0000% | 385 |
| Earnings coverage of net charge-offs (x) | 102.3333% | 316 |
| Efficiency ratio | 61.7207% | 5,884 |
| Assets per employee ($millions) | 3.1326% | 5,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6295% | 3,329 |
| Loan loss allowance to noncurrent loans | 152.0626% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.5938% | 6,028 |
| Noncurrent loans to loans | 1.0716% | 5,204 |
| Net loans and leases to total assets | 51.5019% | 6,320 |
| Net loans and leases to deposits | 59.7277% | 6,495 |
| Net loans and leases to core deposits | 61.3348% | 6,651 |
| Total domestic deposits to total assets | 86.2279% | 3,019 |
| Equity capital to assets | 13.5750% | 1,294 |
| Core capital (leverage) ratio | 13.5544% | 1,071 |
| Tier 1 risk-based capital ratio | 25.5716% | 807 |
| Total risk-based capital ratio | 26.8262% | 787 |
| Memoranda: | ||
| Average total assets | $121,976,500 | 4,584 |
| Average earning assets | $116,318,000 | 4,463 |
| Average equity | $16,827,000 | 3,690 |
| Average total loans | $65,618,500 | 5,014 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3066% | 1,014 |
| Cost of funding earning assets | 1.3061% | 6,287 |
| Net interest margin | 5.0004% | 450 |
| Noninterest income to average assets | 0.7162% | 2,866 |
| Noninterest expense to average assets | 3.3602% | 2,804 |
| Loan and lease loss provision to assets | 0.2801% | 5,181 |
| Net operating income to assets | 1.3039% | 1,024 |
| Return on assets (ROA) | 1.3039% | 1,068 |
| Pretax return on assets | 1.8434% | 581 |
| Return on Equity (ROE) | 9.2928% | 1,925 |
| Retained earnings to average equity (ytd only) | 4.8706% | 1,891 |
| Net charge-offs to loans | 0.3367% | 4,547 |
| Credit loss provision to net charge-offs | 151.8692% | 3,031 |
| Earnings coverage of net charge-offs (x) | 11.5140% | 1,584 |
| Efficiency ratio | 61.2761% | 6,280 |
| Assets per employee ($millions) | 2.9662% | 6,304 |
| Cash dividends to net income (ytd only)* | 47.5876% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5236% | 3,604 |
| Loan loss allowance to noncurrent loans | 121.8027% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 0.6920% | 5,723 |
| Noncurrent loans to loans | 1.2509% | 4,854 |
| Net loans and leases to total assets | 54.4750% | 6,141 |
| Net loans and leases to deposits | 63.8001% | 6,294 |
| Net loans and leases to core deposits | 72.4718% | 6,622 |
| Total domestic deposits to total assets | 85.3838% | 3,368 |
| Equity capital to assets | 14.0279% | 1,161 |
| Core capital (leverage) ratio | 13.5138% | 1,089 |
| Tier 1 risk-based capital ratio | 24.9517% | 845 |
| Total risk-based capital ratio | 26.2061% | 824 |
| Memoranda: | ||
| Average total assets | $116,033,600 | 4,680 |
| Average earning assets | $110,630,800 | 4,545 |
| Average equity | $16,281,400 | 3,825 |
| Average total loans | $63,553,200 | 5,116 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3262% | 1,077 |
| Cost of funding earning assets | 1.3383% | 6,438 |
| Net interest margin | 4.9879% | 456 |
| Noninterest income to average assets | 0.7280% | 2,840 |
| Noninterest expense to average assets | 3.3708% | 2,664 |
| Loan and lease loss provision to assets | 0.2600% | 4,874 |
| Net operating income to assets | 1.3208% | 1,174 |
| Return on assets (ROA) | 1.3208% | 1,242 |
| Pretax return on assets | 1.8605% | 714 |
| Return on Equity (ROE) | 9.4125% | 2,125 |
| Retained earnings to average equity (ytd only) | 6.8926% | 1,549 |
| Net charge-offs to loans | 0.2009% | 4,798 |
| Credit loss provision to net charge-offs | 236.8421% | 1,845 |
| Earnings coverage of net charge-offs (x) | 19.3164% | 1,300 |
| Efficiency ratio | 61.3847% | 6,214 |
| Assets per employee ($millions) | 2.8735% | 6,466 |
| Cash dividends to net income (ytd only)* | 26.7717% | 2,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5854% | 3,050 |
| Loan loss allowance to noncurrent loans | 148.3261% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.5831% | 5,995 |
| Noncurrent loans to loans | 1.0689% | 5,177 |
| Net loans and leases to total assets | 53.6906% | 6,421 |
| Net loans and leases to deposits | 62.8455% | 6,600 |
| Net loans and leases to core deposits | 71.4573% | 6,878 |
| Total domestic deposits to total assets | 85.4327% | 3,006 |
| Equity capital to assets | 14.1980% | 1,239 |
| Core capital (leverage) ratio | 13.9036% | 1,115 |
| Tier 1 risk-based capital ratio | 25.5172% | 854 |
| Total risk-based capital ratio | 26.7714% | 836 |
| Memoranda: | ||
| Average total assets | $115,379,750 | 4,709 |
| Average earning assets | $110,183,750 | 4,587 |
| Average equity | $16,190,750 | 3,872 |
| Average total loans | $63,033,000 | 5,168 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3710% | 1,062 |
| Cost of funding earning assets | 1.3847% | 6,533 |
| Net interest margin | 4.9863% | 445 |
| Noninterest income to average assets | 0.6860% | 3,077 |
| Noninterest expense to average assets | 3.4791% | 2,402 |
| Loan and lease loss provision to assets | 0.2619% | 4,480 |
| Net operating income to assets | 1.2132% | 1,443 |
| Return on assets (ROA) | 1.2132% | 1,524 |
| Pretax return on assets | 1.7038% | 1,005 |
| Return on Equity (ROE) | 8.6810% | 2,483 |
| Retained earnings to average equity (ytd only) | 4.8589% | 2,586 |
| Net charge-offs to loans | 0.2108% | 4,195 |
| Credit loss provision to net charge-offs | 227.2727% | 2,021 |
| Earnings coverage of net charge-offs (x) | 17.0606% | 1,500 |
| Efficiency ratio | 63.8987% | 5,934 |
| Assets per employee ($millions) | 2.7933% | 6,643 |
| Cash dividends to net income (ytd only)* | 44.0288% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5428% | 2,979 |
| Loan loss allowance to noncurrent loans | 155.1834% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.5772% | 5,976 |
| Noncurrent loans to loans | 0.9942% | 5,216 |
| Net loans and leases to total assets | 54.2187% | 6,417 |
| Net loans and leases to deposits | 63.5789% | 6,607 |
| Net loans and leases to core deposits | 72.4943% | 6,870 |
| Total domestic deposits to total assets | 85.2777% | 3,124 |
| Equity capital to assets | 14.1024% | 1,274 |
| Core capital (leverage) ratio | 13.4039% | 1,300 |
| Tier 1 risk-based capital ratio | 25.1638% | 926 |
| Total risk-based capital ratio | 26.4182% | 907 |
| Memoranda: | ||
| Average total assets | $114,569,000 | 4,760 |
| Average earning assets | $109,338,670 | 4,643 |
| Average equity | $16,012,000 | 3,921 |
| Average total loans | $62,619,670 | 5,229 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3770% | 1,117 |
| Cost of funding earning assets | 1.4334% | 6,625 |
| Net interest margin | 4.9436% | 463 |
| Noninterest income to average assets | 0.6737% | 3,044 |
| Noninterest expense to average assets | 3.3999% | 2,359 |
| Loan and lease loss provision to assets | 0.2618% | 3,865 |
| Net operating income to assets | 1.2462% | 1,518 |
| Return on assets (ROA) | 1.2462% | 1,626 |
| Pretax return on assets | 1.7314% | 1,117 |
| Return on Equity (ROE) | 8.9572% | 2,742 |
| Retained earnings to average equity (ytd only) | 8.9572% | 1,500 |
| Net charge-offs to loans | 0.2116% | 3,366 |
| Credit loss provision to net charge-offs | 227.2727% | 2,011 |
| Earnings coverage of net charge-offs (x) | 17.3030% | 1,515 |
| Efficiency ratio | 63.0421% | 5,865 |
| Assets per employee ($millions) | 2.9458% | 6,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4875% | 3,059 |
| Loan loss allowance to noncurrent loans | 183.6292% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 0.4591% | 6,109 |
| Noncurrent loans to loans | 0.8100% | 5,415 |
| Net loans and leases to total assets | 52.3279% | 6,648 |
| Net loans and leases to deposits | 60.8425% | 6,823 |
| Net loans and leases to core deposits | 68.9914% | 7,082 |
| Total domestic deposits to total assets | 86.0055% | 2,721 |
| Equity capital to assets | 13.7314% | 1,457 |
| Core capital (leverage) ratio | 13.7678% | 1,242 |
| Tier 1 risk-based capital ratio | 25.5271% | 929 |
| Total risk-based capital ratio | 26.7811% | 904 |
| Memoranda: | ||
| Average total assets | $114,590,000 | 4,787 |
| Average earning assets | $109,393,500 | 4,660 |
| Average equity | $15,942,500 | 3,952 |
| Average total loans | $62,395,500 | 5,270 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6621% | 2,189 |
| Cost of funding earning assets | 1.8336% | 6,921 |
| Net interest margin | 4.8286% | 736 |
| Noninterest income to average assets | 0.7729% | 2,652 |
| Noninterest expense to average assets | 3.1590% | 3,483 |
| Loan and lease loss provision to assets | 0.3847% | 3,386 |
| Net operating income to assets | 1.2797% | 1,541 |
| Return on assets (ROA) | 1.2797% | 1,493 |
| Pretax return on assets | 1.8103% | 927 |
| Return on Equity (ROE) | 9.5146% | 2,433 |
| Retained earnings to average equity (ytd only) | 4.9776% | 2,042 |
| Net charge-offs to loans | 0.4791% | 2,435 |
| Credit loss provision to net charge-offs | 147.4576% | 3,581 |
| Earnings coverage of net charge-offs (x) | 8.4136% | 2,886 |
| Efficiency ratio | 59.0023% | 6,525 |
| Assets per employee ($millions) | 2.7158% | 6,745 |
| Cash dividends to net income (ytd only)* | 47.6849% | 3,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4292% | 3,029 |
| Loan loss allowance to noncurrent loans | 109.4828% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 0.7598% | 4,945 |
| Noncurrent loans to loans | 1.3054% | 3,901 |
| Net loans and leases to total assets | 55.0634% | 6,541 |
| Net loans and leases to deposits | 64.5967% | 6,744 |
| Net loans and leases to core deposits | 73.3704% | 7,003 |
| Total domestic deposits to total assets | 85.2418% | 2,733 |
| Equity capital to assets | 14.1044% | 1,396 |
| Core capital (leverage) ratio | 13.3801% | 1,420 |
| Tier 1 risk-based capital ratio | 25.2192% | 969 |
| Total risk-based capital ratio | 26.4720% | 949 |
| Memoranda: | ||
| Average total assets | $113,073,800 | 4,694 |
| Average earning assets | $107,278,200 | 4,587 |
| Average equity | $15,208,200 | 4,096 |
| Average total loans | $61,574,400 | 5,198 |