Home > The First National Bank of Mount Dora > Performance and Condition Ratios
The First National Bank of Mount Dora, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9629% | 4,302 |
| Cost of funding earning assets | 1.3597% | 3,585 |
| Net interest margin | 2.6031% | 3,770 |
| Noninterest income to average assets | 2.5400% | 211 |
| Noninterest expense to average assets | 4.1149% | 349 |
| Loan and lease loss provision to assets | 0.0100% | 2,986 |
| Net operating income to assets | 0.7355% | 2,871 |
| Return on assets (ROA) | 0.7154% | 2,957 |
| Pretax return on assets | 0.8025% | 3,046 |
| Return on Equity (ROE) | 8.3600% | 2,634 |
| Retained earnings to average equity (ytd only) | 5.4296% | 2,048 |
| Net charge-offs to loans | -0.0127% | 4,074 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 83.0805% | 848 |
| Assets per employee ($millions) | 4.2850% | 4,005 |
| Cash dividends to net income (ytd only)* | 35.0265% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7208% | 615 |
| Loan loss allowance to noncurrent loans | 823.5060% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.0714% | 3,171 |
| Noncurrent loans to loans | 0.2090% | 2,677 |
| Net loans and leases to total assets | 33.6000% | 4,161 |
| Net loans and leases to deposits | 37.2548% | 4,202 |
| Net loans and leases to core deposits | 42.0599% | 4,166 |
| Total domestic deposits to total assets | 90.1900% | 762 |
| Equity capital to assets | 8.8397% | 2,943 |
| Core capital (leverage) ratio | 11.6268% | 1,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7798% | 920 |
| Memoranda: | ||
| Average total assets | $368,731,000 | 2,153 |
| Average earning assets | $341,975,600 | 2,148 |
| Average equity | $31,567,600 | 2,312 |
| Average total loans | $118,574,800 | 3,010 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8985% | 4,339 |
| Cost of funding earning assets | 1.3544% | 3,591 |
| Net interest margin | 2.5440% | 3,820 |
| Noninterest income to average assets | 2.5800% | 205 |
| Noninterest expense to average assets | 3.9588% | 376 |
| Loan and lease loss provision to assets | 0.0200% | 2,606 |
| Net operating income to assets | 0.9195% | 2,313 |
| Return on assets (ROA) | 0.8913% | 2,415 |
| Pretax return on assets | 0.9374% | 2,719 |
| Return on Equity (ROE) | 10.4900% | 2,057 |
| Retained earnings to average equity (ytd only) | 8.5691% | 1,234 |
| Net charge-offs to loans | -0.0147% | 4,080 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 80.0882% | 1,069 |
| Assets per employee ($millions) | 4.3159% | 4,000 |
| Cash dividends to net income (ytd only)* | 18.3240% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7536% | 589 |
| Loan loss allowance to noncurrent loans | 791.1877% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.0729% | 3,206 |
| Noncurrent loans to loans | 0.2216% | 2,648 |
| Net loans and leases to total assets | 32.3000% | 4,212 |
| Net loans and leases to deposits | 36.2117% | 4,247 |
| Net loans and leases to core deposits | 41.2515% | 4,206 |
| Total domestic deposits to total assets | 89.1900% | 838 |
| Equity capital to assets | 9.6784% | 2,517 |
| Core capital (leverage) ratio | 11.8203% | 1,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5369% | 996 |
| Memoranda: | ||
| Average total assets | $373,071,250 | 2,118 |
| Average earning assets | $346,214,250 | 2,121 |
| Average equity | $31,694,500 | 2,306 |
| Average total loans | $118,188,000 | 3,008 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8645% | 4,357 |
| Cost of funding earning assets | 1.3306% | 3,576 |
| Net interest margin | 2.5339% | 3,829 |
| Noninterest income to average assets | 2.6900% | 200 |
| Noninterest expense to average assets | 3.9119% | 392 |
| Loan and lease loss provision to assets | 0.0300% | 2,286 |
| Net operating income to assets | 0.9826% | 2,051 |
| Return on assets (ROA) | 0.9624% | 2,114 |
| Pretax return on assets | 1.0830% | 2,254 |
| Return on Equity (ROE) | 11.8500% | 1,662 |
| Retained earnings to average equity (ytd only) | 8.8722% | 1,127 |
| Net charge-offs to loans | -0.0152% | 4,073 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 77.5703% | 1,333 |
| Assets per employee ($millions) | 4.4855% | 3,923 |
| Cash dividends to net income (ytd only)* | 25.1237% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7496% | 602 |
| Loan loss allowance to noncurrent loans | 638.7692% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.0895% | 3,035 |
| Noncurrent loans to loans | 0.2739% | 2,391 |
| Net loans and leases to total assets | 32.0900% | 4,232 |
| Net loans and leases to deposits | 35.4132% | 4,272 |
| Net loans and leases to core deposits | 39.8945% | 4,237 |
| Total domestic deposits to total assets | 90.6100% | 543 |
| Equity capital to assets | 8.3522% | 3,199 |
| Core capital (leverage) ratio | 11.4190% | 1,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $378,021,667 | 2,104 |
| Average earning assets | $350,678,333 | 2,099 |
| Average equity | $30,702,667 | 2,319 |
| Average total loans | $118,331,667 | 3,005 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6930% | 4,417 |
| Cost of funding earning assets | 1.3297% | 3,511 |
| Net interest margin | 2.3633% | 4,047 |
| Noninterest income to average assets | 3.0600% | 171 |
| Noninterest expense to average assets | 3.7118% | 452 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.3015% | 1,229 |
| Return on assets (ROA) | 1.3120% | 1,222 |
| Pretax return on assets | 1.5528% | 1,172 |
| Return on Equity (ROE) | 16.3700% | 792 |
| Retained earnings to average equity (ytd only) | 16.3725% | 339 |
| Net charge-offs to loans | -0.0068% | 3,817 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 70.6719% | 2,077 |
| Assets per employee ($millions) | 5.0322% | 3,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6754% | 714 |
| Loan loss allowance to noncurrent loans | 612.9518% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.0835% | 3,087 |
| Noncurrent loans to loans | 0.2733% | 2,332 |
| Net loans and leases to total assets | 30.0400% | 4,278 |
| Net loans and leases to deposits | 32.8961% | 4,304 |
| Net loans and leases to core deposits | 36.6413% | 4,322 |
| Total domestic deposits to total assets | 91.3200% | 454 |
| Equity capital to assets | 7.7805% | 3,510 |
| Core capital (leverage) ratio | 11.3742% | 1,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0565% | 1,081 |
| Memoranda: | ||
| Average total assets | $385,368,000 | 2,086 |
| Average earning assets | $357,976,000 | 2,080 |
| Average equity | $30,881,000 | 2,317 |
| Average total loans | $118,170,000 | 3,011 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6806% | 4,288 |
| Cost of funding earning assets | 0.7768% | 3,795 |
| Net interest margin | 2.9038% | 3,483 |
| Noninterest income to average assets | 1.9700% | 274 |
| Noninterest expense to average assets | 3.8771% | 405 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9386% | 2,411 |
| Return on assets (ROA) | 0.2914% | 4,040 |
| Pretax return on assets | 0.1290% | 4,253 |
| Return on Equity (ROE) | 4.1600% | 3,861 |
| Retained earnings to average equity (ytd only) | 0.6504% | 3,917 |
| Net charge-offs to loans | 0.0137% | 2,143 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 198.9333% | 588 |
| Efficiency ratio | 83.3175% | 699 |
| Assets per employee ($millions) | 4.7845% | 3,786 |
| Cash dividends to net income (ytd only)* | 84.3750% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6852% | 686 |
| Loan loss allowance to noncurrent loans | 561.1594% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.0924% | 2,910 |
| Noncurrent loans to loans | 0.3003% | 2,105 |
| Net loans and leases to total assets | 30.2600% | 4,283 |
| Net loans and leases to deposits | 34.0160% | 4,304 |
| Net loans and leases to core deposits | 37.9096% | 4,318 |
| Total domestic deposits to total assets | 88.9700% | 1,073 |
| Equity capital to assets | 8.2614% | 3,236 |
| Core capital (leverage) ratio | 11.0487% | 1,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6401% | 1,149 |
| Memoranda: | ||
| Average total assets | $384,382,200 | 2,060 |
| Average earning assets | $355,567,600 | 2,064 |
| Average equity | $26,906,600 | 2,409 |
| Average total loans | $109,402,000 | 3,070 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6303% | 4,282 |
| Cost of funding earning assets | 0.6129% | 3,946 |
| Net interest margin | 3.0174% | 3,314 |
| Noninterest income to average assets | 1.9600% | 287 |
| Noninterest expense to average assets | 3.7329% | 436 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9710% | 2,446 |
| Return on assets (ROA) | 0.9563% | 2,484 |
| Pretax return on assets | 1.0069% | 2,836 |
| Return on Equity (ROE) | 14.2800% | 1,584 |
| Retained earnings to average equity (ytd only) | 11.8799% | 994 |
| Net charge-offs to loans | 0.0222% | 1,650 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 164.9444% | 685 |
| Efficiency ratio | 78.4995% | 971 |
| Assets per employee ($millions) | 4.5061% | 3,938 |
| Cash dividends to net income (ytd only)* | 16.8167% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7312% | 659 |
| Loan loss allowance to noncurrent loans | 535.7746% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.0927% | 2,963 |
| Noncurrent loans to loans | 0.3231% | 2,074 |
| Net loans and leases to total assets | 28.1900% | 4,345 |
| Net loans and leases to deposits | 31.6287% | 4,358 |
| Net loans and leases to core deposits | 33.4979% | 4,357 |
| Total domestic deposits to total assets | 89.1200% | 1,207 |
| Equity capital to assets | 6.0864% | 3,959 |
| Core capital (leverage) ratio | 11.1721% | 1,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4573% | 1,209 |
| Memoranda: | ||
| Average total assets | $387,179,750 | 2,050 |
| Average earning assets | $358,092,000 | 2,044 |
| Average equity | $25,925,500 | 2,454 |
| Average total loans | $108,032,500 | 3,089 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5864% | 4,265 |
| Cost of funding earning assets | 0.4400% | 4,098 |
| Net interest margin | 3.1464% | 3,115 |
| Noninterest income to average assets | 1.9500% | 248 |
| Noninterest expense to average assets | 3.6575% | 454 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1201% | 2,061 |
| Return on assets (ROA) | 1.0938% | 2,135 |
| Pretax return on assets | 1.1777% | 2,422 |
| Return on Equity (ROE) | 15.8600% | 1,289 |
| Retained earnings to average equity (ytd only) | 12.3747% | 916 |
| Net charge-offs to loans | 0.0335% | 1,228 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 130.1667% | 808 |
| Efficiency ratio | 75.2037% | 1,243 |
| Assets per employee ($millions) | 4.5238% | 3,935 |
| Cash dividends to net income (ytd only)* | 21.9765% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6996% | 752 |
| Loan loss allowance to noncurrent loans | 508.7912% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.0936% | 2,883 |
| Noncurrent loans to loans | 0.3340% | 1,934 |
| Net loans and leases to total assets | 27.5300% | 4,371 |
| Net loans and leases to deposits | 30.9736% | 4,386 |
| Net loans and leases to core deposits | 31.8062% | 4,386 |
| Total domestic deposits to total assets | 88.8900% | 1,296 |
| Equity capital to assets | 7.0303% | 3,781 |
| Core capital (leverage) ratio | 10.9254% | 1,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1347% | 1,289 |
| Memoranda: | ||
| Average total assets | $388,566,333 | 2,049 |
| Average earning assets | $359,971,667 | 2,043 |
| Average equity | $26,796,667 | 2,423 |
| Average total loans | $107,421,667 | 3,087 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5473% | 4,218 |
| Cost of funding earning assets | 0.4337% | 3,874 |
| Net interest margin | 3.1136% | 3,321 |
| Noninterest income to average assets | 1.8500% | 250 |
| Noninterest expense to average assets | 3.5249% | 522 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1189% | 2,169 |
| Return on assets (ROA) | 1.1217% | 2,123 |
| Pretax return on assets | 1.2165% | 2,386 |
| Return on Equity (ROE) | 16.4300% | 1,275 |
| Retained earnings to average equity (ytd only) | 16.4256% | 650 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 74.3913% | 1,297 |
| Assets per employee ($millions) | 4.8078% | 3,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7340% | 747 |
| Loan loss allowance to noncurrent loans | 478.2609% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.1004% | 2,828 |
| Noncurrent loans to loans | 0.3626% | 1,847 |
| Net loans and leases to total assets | 27.2100% | 4,421 |
| Net loans and leases to deposits | 29.5931% | 4,451 |
| Net loans and leases to core deposits | 30.0140% | 4,459 |
| Total domestic deposits to total assets | 91.9500% | 529 |
| Equity capital to assets | 7.2695% | 3,693 |
| Core capital (leverage) ratio | 10.7350% | 2,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0340% | 1,362 |
| Memoranda: | ||
| Average total assets | $388,327,500 | 2,072 |
| Average earning assets | $359,711,500 | 2,072 |
| Average equity | $26,519,500 | 2,458 |
| Average total loans | $106,647,500 | 3,129 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1100% | 3,974 |
| Cost of funding earning assets | 0.1240% | 4,262 |
| Net interest margin | 2.9860% | 3,486 |
| Noninterest income to average assets | 1.9200% | 265 |
| Noninterest expense to average assets | 3.4288% | 530 |
| Loan and lease loss provision to assets | -0.0900% | 4,511 |
| Net operating income to assets | 1.2860% | 1,483 |
| Return on assets (ROA) | 1.1618% | 1,861 |
| Pretax return on assets | 1.2321% | 2,335 |
| Return on Equity (ROE) | 15.5200% | 1,141 |
| Retained earnings to average equity (ytd only) | 5.9763% | 2,656 |
| Net charge-offs to loans | 0.0508% | 1,159 |
| Credit loss provision to net charge-offs | -705.8824% | 4,645 |
| Earnings coverage of net charge-offs (x) | 96.8235% | 986 |
| Efficiency ratio | 72.9484% | 1,337 |
| Assets per employee ($millions) | 4.9644% | 3,709 |
| Cash dividends to net income (ytd only)* | 61.4805% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1953% | 307 |
| Loan loss allowance to noncurrent loans | 517.8971% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.1154% | 2,715 |
| Noncurrent loans to loans | 0.4239% | 1,656 |
| Net loans and leases to total assets | 26.6400% | 4,465 |
| Net loans and leases to deposits | 30.9014% | 4,455 |
| Net loans and leases to core deposits | 31.3342% | 4,463 |
| Total domestic deposits to total assets | 86.1900% | 2,677 |
| Equity capital to assets | 6.3863% | 3,945 |
| Core capital (leverage) ratio | 10.6165% | 2,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4999% | 1,477 |
| Memoranda: | ||
| Average total assets | $388,358,000 | 2,069 |
| Average earning assets | $361,256,200 | 2,065 |
| Average equity | $29,081,400 | 2,373 |
| Average total loans | $100,296,800 | 3,147 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9679% | 3,945 |
| Cost of funding earning assets | 0.0905% | 4,346 |
| Net interest margin | 2.8774% | 3,549 |
| Noninterest income to average assets | 1.9000% | 284 |
| Noninterest expense to average assets | 3.2814% | 611 |
| Loan and lease loss provision to assets | -0.0900% | 4,563 |
| Net operating income to assets | 1.2938% | 1,369 |
| Return on assets (ROA) | 1.2776% | 1,398 |
| Pretax return on assets | 1.3760% | 1,793 |
| Return on Equity (ROE) | 16.4600% | 899 |
| Retained earnings to average equity (ytd only) | 6.5937% | 2,520 |
| Net charge-offs to loans | 0.0687% | 812 |
| Credit loss provision to net charge-offs | -529.4118% | 4,698 |
| Earnings coverage of net charge-offs (x) | 74.3529% | 1,084 |
| Efficiency ratio | 71.6104% | 1,576 |
| Assets per employee ($millions) | 5.1213% | 3,572 |
| Cash dividends to net income (ytd only)* | 59.9356% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3462% | 271 |
| Loan loss allowance to noncurrent loans | 737.7301% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.1440% | 2,605 |
| Noncurrent loans to loans | 0.3180% | 2,101 |
| Net loans and leases to total assets | 26.0600% | 4,510 |
| Net loans and leases to deposits | 27.6665% | 4,541 |
| Net loans and leases to core deposits | 28.0271% | 4,538 |
| Total domestic deposits to total assets | 94.2000% | 331 |
| Equity capital to assets | 5.0672% | 4,274 |
| Core capital (leverage) ratio | 10.0789% | 2,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5217% | 1,560 |
| Memoranda: | ||
| Average total assets | $388,642,250 | 2,083 |
| Average earning assets | $362,262,250 | 2,076 |
| Average equity | $30,169,500 | 2,361 |
| Average total loans | $99,007,750 | 3,168 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7777% | 4,012 |
| Cost of funding earning assets | 0.0865% | 4,321 |
| Net interest margin | 2.6912% | 3,716 |
| Noninterest income to average assets | 1.9413% | 241 |
| Noninterest expense to average assets | 3.2223% | 604 |
| Loan and lease loss provision to assets | -0.0923% | 4,581 |
| Net operating income to assets | 1.2055% | 1,404 |
| Return on assets (ROA) | 1.2036% | 1,397 |
| Pretax return on assets | 1.3287% | 1,646 |
| Return on Equity (ROE) | 13.9189% | 1,133 |
| Retained earnings to average equity (ytd only) | 0.6876% | 4,060 |
| Net charge-offs to loans | 0.1022% | 578 |
| Credit loss provision to net charge-offs | -360.0000% | 3,314 |
| Earnings coverage of net charge-offs (x) | 48.3200% | 1,174 |
| Efficiency ratio | 72.2363% | 1,713 |
| Assets per employee ($millions) | 5.0477% | 3,634 |
| Cash dividends to net income (ytd only)* | 95.0596% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5239% | 254 |
| Loan loss allowance to noncurrent loans | 364.3796% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.2203% | 2,213 |
| Noncurrent loans to loans | 0.6927% | 1,246 |
| Net loans and leases to total assets | 23.2896% | 4,608 |
| Net loans and leases to deposits | 24.7891% | 4,633 |
| Net loans and leases to core deposits | 25.0709% | 4,633 |
| Total domestic deposits to total assets | 93.9509% | 291 |
| Equity capital to assets | 5.4057% | 4,394 |
| Core capital (leverage) ratio | 9.9800% | 2,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7650% | 1,491 |
| Memoranda: | ||
| Average total assets | $390,156,333 | 2,091 |
| Average earning assets | $365,264,333 | 2,081 |
| Average equity | $33,738,333 | 2,243 |
| Average total loans | $97,841,000 | 3,214 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6508% | 4,032 |
| Cost of funding earning assets | 0.0845% | 4,304 |
| Net interest margin | 2.5663% | 3,739 |
| Noninterest income to average assets | 1.9943% | 240 |
| Noninterest expense to average assets | 3.2135% | 593 |
| Loan and lease loss provision to assets | -0.0952% | 4,593 |
| Net operating income to assets | 1.1461% | 1,392 |
| Return on assets (ROA) | 1.2044% | 1,227 |
| Pretax return on assets | 1.3514% | 1,376 |
| Return on Equity (ROE) | 11.5576% | 1,435 |
| Retained earnings to average equity (ytd only) | 11.5576% | 662 |
| Net charge-offs to loans | 0.2179% | 284 |
| Credit loss provision to net charge-offs | -169.8113% | 2,952 |
| Earnings coverage of net charge-offs (x) | 21.2453% | 1,261 |
| Efficiency ratio | 72.9652% | 1,861 |
| Assets per employee ($millions) | 4.6103% | 4,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6545% | 243 |
| Loan loss allowance to noncurrent loans | 82.4976% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 0.8775% | 613 |
| Noncurrent loans to loans | 3.2177% | 153 |
| Net loans and leases to total assets | 24.7540% | 4,600 |
| Net loans and leases to deposits | 27.3784% | 4,614 |
| Net loans and leases to core deposits | 27.7285% | 4,616 |
| Total domestic deposits to total assets | 90.4144% | 1,332 |
| Equity capital to assets | 8.9467% | 2,757 |
| Core capital (leverage) ratio | 10.6071% | 1,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0021% | 1,044 |
| Memoranda: | ||
| Average total assets | $378,277,000 | 2,139 |
| Average earning assets | $355,214,500 | 2,129 |
| Average equity | $39,420,000 | 2,078 |
| Average total loans | $97,314,000 | 3,225 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7771% | 4,233 |
| Cost of funding earning assets | 0.0954% | 4,415 |
| Net interest margin | 2.6817% | 3,908 |
| Noninterest income to average assets | 2.2086% | 265 |
| Noninterest expense to average assets | 3.3492% | 584 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2463% | 1,754 |
| Return on assets (ROA) | 1.2087% | 1,945 |
| Pretax return on assets | 1.3441% | 2,224 |
| Return on Equity (ROE) | 9.5824% | 2,690 |
| Retained earnings to average equity (ytd only) | 0.8821% | 4,289 |
| Net charge-offs to loans | -0.0655% | 4,434 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7310% | 1,652 |
| Assets per employee ($millions) | 4.4512% | 4,151 |
| Cash dividends to net income (ytd only)* | 90.7950% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8010% | 190 |
| Loan loss allowance to noncurrent loans | 85.2141% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 0.9163% | 634 |
| Noncurrent loans to loans | 3.2870% | 161 |
| Net loans and leases to total assets | 25.3000% | 4,644 |
| Net loans and leases to deposits | 28.9993% | 4,643 |
| Net loans and leases to core deposits | 29.2788% | 4,658 |
| Total domestic deposits to total assets | 87.2435% | 2,416 |
| Equity capital to assets | 11.9298% | 1,282 |
| Core capital (leverage) ratio | 10.5721% | 1,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5075% | 821 |
| Memoranda: | ||
| Average total assets | $355,933,000 | 2,168 |
| Average earning assets | $335,349,600 | 2,159 |
| Average equity | $44,894,800 | 1,927 |
| Average total loans | $105,408,200 | 3,134 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8068% | 4,293 |
| Cost of funding earning assets | 0.0991% | 4,514 |
| Net interest margin | 2.7077% | 3,954 |
| Noninterest income to average assets | 2.2672% | 278 |
| Noninterest expense to average assets | 3.2369% | 672 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3875% | 1,583 |
| Return on assets (ROA) | 1.3631% | 1,703 |
| Pretax return on assets | 1.5528% | 1,842 |
| Return on Equity (ROE) | 10.6534% | 2,499 |
| Retained earnings to average equity (ytd only) | 0.3706% | 4,511 |
| Net charge-offs to loans | -0.0856% | 4,556 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1917% | 1,940 |
| Assets per employee ($millions) | 4.3488% | 4,230 |
| Cash dividends to net income (ytd only)* | 96.5210% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7376% | 208 |
| Loan loss allowance to noncurrent loans | 87.3718% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 0.9055% | 764 |
| Noncurrent loans to loans | 3.1333% | 203 |
| Net loans and leases to total assets | 26.2004% | 4,699 |
| Net loans and leases to deposits | 30.2525% | 4,695 |
| Net loans and leases to core deposits | 30.5251% | 4,718 |
| Total domestic deposits to total assets | 86.6059% | 2,502 |
| Equity capital to assets | 12.2844% | 1,269 |
| Core capital (leverage) ratio | 10.5554% | 2,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1342% | 792 |
| Memoranda: | ||
| Average total assets | $351,442,000 | 2,210 |
| Average earning assets | $330,995,750 | 2,206 |
| Average equity | $44,967,250 | 1,946 |
| Average total loans | $107,429,750 | 3,150 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7822% | 4,368 |
| Cost of funding earning assets | 0.1040% | 4,550 |
| Net interest margin | 2.6783% | 4,023 |
| Noninterest income to average assets | 2.2544% | 281 |
| Noninterest expense to average assets | 3.2857% | 629 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3103% | 1,832 |
| Return on assets (ROA) | 1.2925% | 1,962 |
| Pretax return on assets | 1.4697% | 2,111 |
| Return on Equity (ROE) | 9.9598% | 2,753 |
| Retained earnings to average equity (ytd only) | -5.5154% | 4,796 |
| Net charge-offs to loans | 0.1799% | 471 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 25.9899% | 1,393 |
| Efficiency ratio | 68.8008% | 1,781 |
| Assets per employee ($millions) | 4.4609% | 4,127 |
| Cash dividends to net income (ytd only)* | 155.3763% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4337% | 297 |
| Loan loss allowance to noncurrent loans | 69.2474% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 1.0590% | 704 |
| Noncurrent loans to loans | 3.5144% | 179 |
| Net loans and leases to total assets | 27.6976% | 4,710 |
| Net loans and leases to deposits | 31.8661% | 4,728 |
| Net loans and leases to core deposits | 32.1260% | 4,743 |
| Total domestic deposits to total assets | 86.9186% | 2,370 |
| Equity capital to assets | 11.9178% | 1,407 |
| Core capital (leverage) ratio | 10.4434% | 2,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9047% | 824 |
| Memoranda: | ||
| Average total assets | $345,373,667 | 2,228 |
| Average earning assets | $325,135,333 | 2,221 |
| Average equity | $44,820,000 | 1,938 |
| Average total loans | $110,048,000 | 3,128 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8552% | 4,312 |
| Cost of funding earning assets | 0.1112% | 4,576 |
| Net interest margin | 2.7440% | 3,876 |
| Noninterest income to average assets | 2.4569% | 275 |
| Noninterest expense to average assets | 3.2883% | 624 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5298% | 1,266 |
| Return on assets (ROA) | 1.3384% | 1,803 |
| Pretax return on assets | 1.5294% | 1,919 |
| Return on Equity (ROE) | 9.8656% | 2,741 |
| Retained earnings to average equity (ytd only) | -0.9033% | 4,455 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3066% | 2,330 |
| Assets per employee ($millions) | 4.3715% | 4,217 |
| Cash dividends to net income (ytd only)* | 109.1562% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4106% | 299 |
| Loan loss allowance to noncurrent loans | 68.7451% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 1.1849% | 633 |
| Noncurrent loans to loans | 3.5066% | 190 |
| Net loans and leases to total assets | 31.1466% | 4,662 |
| Net loans and leases to deposits | 36.0956% | 4,676 |
| Net loans and leases to core deposits | 36.4564% | 4,710 |
| Total domestic deposits to total assets | 86.2890% | 2,629 |
| Equity capital to assets | 12.7546% | 978 |
| Core capital (leverage) ratio | 11.5606% | 1,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8892% | 523 |
| Memoranda: | ||
| Average total assets | $332,934,500 | 2,271 |
| Average earning assets | $312,832,500 | 2,256 |
| Average equity | $45,167,000 | 1,916 |
| Average total loans | $112,517,500 | 3,092 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3183% | 4,303 |
| Cost of funding earning assets | 0.1286% | 4,792 |
| Net interest margin | 3.1897% | 3,389 |
| Noninterest income to average assets | 2.4863% | 245 |
| Noninterest expense to average assets | 3.9823% | 387 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.3077% | 1,229 |
| Return on assets (ROA) | 1.3559% | 1,202 |
| Pretax return on assets | 1.5142% | 1,289 |
| Return on Equity (ROE) | 9.1396% | 2,344 |
| Retained earnings to average equity (ytd only) | 1.5358% | 4,020 |
| Net charge-offs to loans | -0.0150% | 4,352 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1638% | 1,549 |
| Assets per employee ($millions) | 4.0572% | 4,333 |
| Cash dividends to net income (ytd only)* | 83.1959% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3142% | 342 |
| Loan loss allowance to noncurrent loans | 60.3178% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 1.4576% | 512 |
| Noncurrent loans to loans | 3.8367% | 156 |
| Net loans and leases to total assets | 34.9921% | 4,612 |
| Net loans and leases to deposits | 41.5145% | 4,613 |
| Net loans and leases to core deposits | 41.8463% | 4,653 |
| Total domestic deposits to total assets | 84.2889% | 3,018 |
| Equity capital to assets | 14.4410% | 690 |
| Core capital (leverage) ratio | 12.0149% | 1,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1367% | 571 |
| Memoranda: | ||
| Average total assets | $286,165,000 | 2,364 |
| Average earning assets | $265,258,600 | 2,368 |
| Average equity | $42,452,800 | 1,926 |
| Average total loans | $113,652,400 | 3,045 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3871% | 4,360 |
| Cost of funding earning assets | 0.1315% | 4,854 |
| Net interest margin | 3.2555% | 3,320 |
| Noninterest income to average assets | 2.3412% | 261 |
| Noninterest expense to average assets | 3.8946% | 415 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.3177% | 1,316 |
| Return on assets (ROA) | 1.3291% | 1,373 |
| Pretax return on assets | 1.4669% | 1,522 |
| Return on Equity (ROE) | 8.8909% | 2,440 |
| Retained earnings to average equity (ytd only) | 0.3727% | 4,414 |
| Net charge-offs to loans | -0.0200% | 4,423 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8089% | 1,544 |
| Assets per employee ($millions) | 3.9335% | 4,370 |
| Cash dividends to net income (ytd only)* | 95.8077% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1686% | 370 |
| Loan loss allowance to noncurrent loans | 60.1131% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 1.6236% | 499 |
| Noncurrent loans to loans | 3.6076% | 211 |
| Net loans and leases to total assets | 37.6205% | 4,620 |
| Net loans and leases to deposits | 44.5493% | 4,642 |
| Net loans and leases to core deposits | 44.8883% | 4,688 |
| Total domestic deposits to total assets | 84.4469% | 2,658 |
| Equity capital to assets | 14.0830% | 835 |
| Core capital (leverage) ratio | 12.2677% | 1,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2791% | 641 |
| Memoranda: | ||
| Average total assets | $277,576,750 | 2,393 |
| Average earning assets | $256,458,250 | 2,403 |
| Average equity | $41,494,500 | 1,951 |
| Average total loans | $113,362,250 | 3,062 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5030% | 4,402 |
| Cost of funding earning assets | 0.1400% | 4,903 |
| Net interest margin | 3.3630% | 3,213 |
| Noninterest income to average assets | 2.3805% | 237 |
| Noninterest expense to average assets | 3.9811% | 412 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.3266% | 1,288 |
| Return on assets (ROA) | 1.3535% | 1,308 |
| Pretax return on assets | 1.5241% | 1,402 |
| Return on Equity (ROE) | 8.8483% | 2,421 |
| Retained earnings to average equity (ytd only) | -4.2854% | 4,743 |
| Net charge-offs to loans | -0.0308% | 4,555 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7159% | 1,598 |
| Assets per employee ($millions) | 3.8054% | 4,461 |
| Cash dividends to net income (ytd only)* | 148.4323% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1766% | 348 |
| Loan loss allowance to noncurrent loans | 58.3315% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 1.7883% | 448 |
| Noncurrent loans to loans | 3.7315% | 199 |
| Net loans and leases to total assets | 40.2306% | 4,597 |
| Net loans and leases to deposits | 48.0647% | 4,593 |
| Net loans and leases to core deposits | 48.3916% | 4,656 |
| Total domestic deposits to total assets | 83.7010% | 2,849 |
| Equity capital to assets | 14.6364% | 699 |
| Core capital (leverage) ratio | 13.2075% | 943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4815% | 472 |
| Memoranda: | ||
| Average total assets | $263,898,667 | 2,453 |
| Average earning assets | $242,820,333 | 2,471 |
| Average equity | $40,369,333 | 1,984 |
| Average total loans | $110,309,667 | 3,096 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6907% | 4,413 |
| Cost of funding earning assets | 0.1503% | 4,969 |
| Net interest margin | 3.5404% | 2,850 |
| Noninterest income to average assets | 2.5946% | 186 |
| Noninterest expense to average assets | 4.4456% | 320 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1885% | 1,553 |
| Return on assets (ROA) | 1.2399% | 1,507 |
| Pretax return on assets | 1.4452% | 1,444 |
| Return on Equity (ROE) | 7.9007% | 2,556 |
| Retained earnings to average equity (ytd only) | 7.9007% | 1,255 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2406% | 1,535 |
| Assets per employee ($millions) | 3.1418% | 4,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5253% | 236 |
| Loan loss allowance to noncurrent loans | 58.2524% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 2.1027% | 375 |
| Noncurrent loans to loans | 4.3352% | 162 |
| Net loans and leases to total assets | 40.5417% | 4,647 |
| Net loans and leases to deposits | 47.9250% | 4,661 |
| Net loans and leases to core deposits | 48.2376% | 4,720 |
| Total domestic deposits to total assets | 84.5941% | 2,572 |
| Equity capital to assets | 14.4319% | 916 |
| Core capital (leverage) ratio | 15.5224% | 598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8292% | 454 |
| Memoranda: | ||
| Average total assets | $247,437,500 | 2,507 |
| Average earning assets | $226,192,000 | 2,525 |
| Average equity | $38,832,000 | 2,030 |
| Average total loans | $104,429,500 | 3,164 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8551% | 4,500 |
| Cost of funding earning assets | 0.1600% | 5,034 |
| Net interest margin | 3.6952% | 2,827 |
| Noninterest income to average assets | 2.5155% | 201 |
| Noninterest expense to average assets | 4.1615% | 440 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4588% | 1,163 |
| Return on assets (ROA) | 1.4504% | 1,251 |
| Pretax return on assets | 1.7181% | 1,144 |
| Return on Equity (ROE) | 8.9796% | 2,766 |
| Retained earnings to average equity (ytd only) | 6.4545% | 1,636 |
| Net charge-offs to loans | 0.0377% | 2,634 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 106.4615% | 649 |
| Efficiency ratio | 70.6593% | 2,071 |
| Assets per employee ($millions) | 3.1222% | 4,754 |
| Cash dividends to net income (ytd only)* | 28.1205% | 3,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5307% | 209 |
| Loan loss allowance to noncurrent loans | 59.9319% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 2.1180% | 359 |
| Noncurrent loans to loans | 4.2226% | 149 |
| Net loans and leases to total assets | 41.7523% | 4,681 |
| Net loans and leases to deposits | 50.9368% | 4,652 |
| Net loans and leases to core deposits | 51.1073% | 4,731 |
| Total domestic deposits to total assets | 81.9689% | 3,517 |
| Equity capital to assets | 16.9959% | 466 |
| Core capital (leverage) ratio | 15.4262% | 600 |
| Tier 1 risk-based capital ratio | 24.8078% | 766 |
| Total risk-based capital ratio | 26.0637% | 747 |
| Memoranda: | ||
| Average total assets | $240,271,600 | 2,520 |
| Average earning assets | $219,395,600 | 2,538 |
| Average equity | $38,810,200 | 1,986 |
| Average total loans | $103,481,400 | 3,181 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8506% | 4,605 |
| Cost of funding earning assets | 0.1611% | 5,100 |
| Net interest margin | 3.6895% | 2,955 |
| Noninterest income to average assets | 2.5123% | 199 |
| Noninterest expense to average assets | 4.1398% | 450 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4675% | 1,282 |
| Return on assets (ROA) | 1.4661% | 1,340 |
| Pretax return on assets | 1.7367% | 1,231 |
| Return on Equity (ROE) | 9.1984% | 2,803 |
| Retained earnings to average equity (ytd only) | 7.8289% | 1,480 |
| Net charge-offs to loans | 0.0491% | 2,133 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 82.1504% | 851 |
| Efficiency ratio | 70.4272% | 2,059 |
| Assets per employee ($millions) | 3.1404% | 4,803 |
| Cash dividends to net income (ytd only)* | 14.8879% | 3,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5849% | 199 |
| Loan loss allowance to noncurrent loans | 58.3812% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 2.1535% | 381 |
| Noncurrent loans to loans | 4.4276% | 137 |
| Net loans and leases to total assets | 40.6175% | 4,796 |
| Net loans and leases to deposits | 49.5066% | 4,789 |
| Net loans and leases to core deposits | 49.6712% | 4,846 |
| Total domestic deposits to total assets | 82.0446% | 3,468 |
| Equity capital to assets | 16.7985% | 506 |
| Core capital (leverage) ratio | 15.5738% | 629 |
| Tier 1 risk-based capital ratio | 26.1494% | 697 |
| Total risk-based capital ratio | 27.4062% | 686 |
| Memoranda: | ||
| Average total assets | $239,457,250 | 2,545 |
| Average earning assets | $218,453,000 | 2,566 |
| Average equity | $38,165,250 | 2,018 |
| Average total loans | $103,272,000 | 3,221 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8873% | 4,577 |
| Cost of funding earning assets | 0.1664% | 5,132 |
| Net interest margin | 3.7209% | 2,868 |
| Noninterest income to average assets | 2.4854% | 199 |
| Noninterest expense to average assets | 4.0938% | 478 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4994% | 1,154 |
| Return on assets (ROA) | 1.5057% | 1,188 |
| Pretax return on assets | 1.7877% | 1,067 |
| Return on Equity (ROE) | 9.6258% | 2,572 |
| Retained earnings to average equity (ytd only) | 7.5166% | 1,588 |
| Net charge-offs to loans | 0.0926% | 1,436 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 44.0625% | 1,187 |
| Efficiency ratio | 69.6948% | 2,272 |
| Assets per employee ($millions) | 3.1984% | 4,773 |
| Cash dividends to net income (ytd only)* | 21.9117% | 2,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5559% | 210 |
| Loan loss allowance to noncurrent loans | 61.9261% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 2.0570% | 442 |
| Noncurrent loans to loans | 4.1273% | 171 |
| Net loans and leases to total assets | 41.2497% | 4,810 |
| Net loans and leases to deposits | 49.9049% | 4,810 |
| Net loans and leases to core deposits | 50.0699% | 4,867 |
| Total domestic deposits to total assets | 82.6566% | 3,318 |
| Equity capital to assets | 16.2898% | 567 |
| Core capital (leverage) ratio | 15.4514% | 630 |
| Tier 1 risk-based capital ratio | 25.7668% | 703 |
| Total risk-based capital ratio | 27.0238% | 688 |
| Memoranda: | ||
| Average total assets | $237,626,000 | 2,567 |
| Average earning assets | $216,397,670 | 2,591 |
| Average equity | $37,171,000 | 2,051 |
| Average total loans | $103,651,670 | 3,229 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8450% | 4,634 |
| Cost of funding earning assets | 0.1820% | 5,154 |
| Net interest margin | 3.6630% | 3,036 |
| Noninterest income to average assets | 2.3959% | 195 |
| Noninterest expense to average assets | 4.3610% | 349 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1890% | 2,100 |
| Return on assets (ROA) | 1.1801% | 2,180 |
| Pretax return on assets | 1.3487% | 2,263 |
| Return on Equity (ROE) | 7.7090% | 3,372 |
| Retained earnings to average equity (ytd only) | 7.7090% | 1,766 |
| Net charge-offs to loans | 0.0654% | 1,392 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 46.9412% | 1,063 |
| Efficiency ratio | 76.2429% | 1,475 |
| Assets per employee ($millions) | 3.1447% | 4,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5010% | 247 |
| Loan loss allowance to noncurrent loans | 54.5734% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 2.3867% | 340 |
| Noncurrent loans to loans | 4.5829% | 142 |
| Net loans and leases to total assets | 43.9829% | 4,751 |
| Net loans and leases to deposits | 53.1320% | 4,709 |
| Net loans and leases to core deposits | 53.3128% | 4,808 |
| Total domestic deposits to total assets | 82.7804% | 3,474 |
| Equity capital to assets | 15.7624% | 613 |
| Core capital (leverage) ratio | 15.2682% | 641 |
| Tier 1 risk-based capital ratio | 24.3791% | 811 |
| Total risk-based capital ratio | 25.6361% | 792 |
| Memoranda: | ||
| Average total assets | $234,900,000 | 2,605 |
| Average earning assets | $213,158,500 | 2,639 |
| Average equity | $35,958,000 | 2,101 |
| Average total loans | $104,028,000 | 3,251 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7692% | 4,555 |
| Cost of funding earning assets | 0.1719% | 5,105 |
| Net interest margin | 3.5973% | 3,392 |
| Noninterest income to average assets | 2.3743% | 212 |
| Noninterest expense to average assets | 3.9516% | 574 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.4470% | 1,286 |
| Return on assets (ROA) | 1.3368% | 1,650 |
| Pretax return on assets | 1.5675% | 1,556 |
| Return on Equity (ROE) | 9.3152% | 2,831 |
| Retained earnings to average equity (ytd only) | 6.6945% | 1,827 |
| Net charge-offs to loans | 0.1653% | 1,169 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 23.9759% | 1,834 |
| Efficiency ratio | 69.9555% | 2,194 |
| Assets per employee ($millions) | 3.2950% | 4,742 |
| Cash dividends to net income (ytd only)* | 28.1340% | 3,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6353% | 196 |
| Loan loss allowance to noncurrent loans | 57.4646% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 2.5489% | 291 |
| Noncurrent loans to loans | 4.5859% | 134 |
| Net loans and leases to total assets | 42.3092% | 4,870 |
| Net loans and leases to deposits | 50.3905% | 4,873 |
| Net loans and leases to core deposits | 50.7116% | 4,925 |
| Total domestic deposits to total assets | 83.9626% | 3,009 |
| Equity capital to assets | 14.8495% | 744 |
| Core capital (leverage) ratio | 15.1020% | 673 |
| Tier 1 risk-based capital ratio | 24.0571% | 822 |
| Total risk-based capital ratio | 25.3143% | 802 |
| Memoranda: | ||
| Average total assets | $234,510,200 | 2,577 |
| Average earning assets | $213,467,800 | 2,616 |
| Average equity | $33,654,600 | 2,129 |
| Average total loans | $100,443,000 | 3,283 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7296% | 4,593 |
| Cost of funding earning assets | 0.1793% | 5,096 |
| Net interest margin | 3.5502% | 3,521 |
| Noninterest income to average assets | 2.3944% | 217 |
| Noninterest expense to average assets | 3.9178% | 578 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4477% | 1,334 |
| Return on assets (ROA) | 1.4290% | 1,387 |
| Pretax return on assets | 1.6938% | 1,293 |
| Return on Equity (ROE) | 10.0447% | 2,602 |
| Retained earnings to average equity (ytd only) | 8.6109% | 1,372 |
| Net charge-offs to loans | 0.1172% | 1,336 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 34.3183% | 1,483 |
| Efficiency ratio | 69.5411% | 2,266 |
| Assets per employee ($millions) | 3.2468% | 4,839 |
| Cash dividends to net income (ytd only)* | 14.2742% | 3,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7533% | 179 |
| Loan loss allowance to noncurrent loans | 63.3356% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 2.4187% | 370 |
| Noncurrent loans to loans | 4.3472% | 175 |
| Net loans and leases to total assets | 41.6553% | 4,974 |
| Net loans and leases to deposits | 49.9905% | 4,953 |
| Net loans and leases to core deposits | 50.2262% | 5,018 |
| Total domestic deposits to total assets | 83.3265% | 3,189 |
| Equity capital to assets | 14.4401% | 843 |
| Core capital (leverage) ratio | 14.8450% | 736 |
| Tier 1 risk-based capital ratio | 24.0298% | 843 |
| Total risk-based capital ratio | 25.2876% | 820 |
| Memoranda: | ||
| Average total assets | $234,651,000 | 2,588 |
| Average earning assets | $214,101,750 | 2,618 |
| Average equity | $33,383,250 | 2,143 |
| Average total loans | $100,138,750 | 3,324 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6684% | 4,653 |
| Cost of funding earning assets | 0.1790% | 5,113 |
| Net interest margin | 3.4893% | 3,667 |
| Noninterest income to average assets | 2.3674% | 221 |
| Noninterest expense to average assets | 3.8886% | 610 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4046% | 1,426 |
| Return on assets (ROA) | 1.4046% | 1,429 |
| Pretax return on assets | 1.6642% | 1,306 |
| Return on Equity (ROE) | 9.9221% | 2,597 |
| Retained earnings to average equity (ytd only) | 7.7633% | 1,722 |
| Net charge-offs to loans | -0.0220% | 4,602 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0291% | 2,309 |
| Assets per employee ($millions) | 3.3800% | 4,738 |
| Cash dividends to net income (ytd only)* | 21.7576% | 2,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8161% | 177 |
| Loan loss allowance to noncurrent loans | 60.1600% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 2.5881% | 327 |
| Noncurrent loans to loans | 4.6809% | 157 |
| Net loans and leases to total assets | 41.0852% | 5,021 |
| Net loans and leases to deposits | 48.3430% | 5,016 |
| Net loans and leases to core deposits | 48.5597% | 5,076 |
| Total domestic deposits to total assets | 84.9868% | 2,678 |
| Equity capital to assets | 13.9315% | 951 |
| Core capital (leverage) ratio | 14.4550% | 793 |
| Tier 1 risk-based capital ratio | 23.3455% | 903 |
| Total risk-based capital ratio | 24.6036% | 883 |
| Memoranda: | ||
| Average total assets | $234,946,000 | 2,599 |
| Average earning assets | $214,482,670 | 2,629 |
| Average equity | $33,259,000 | 2,155 |
| Average total loans | $100,140,670 | 3,338 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6591% | 4,571 |
| Cost of funding earning assets | 0.1848% | 5,099 |
| Net interest margin | 3.4743% | 3,631 |
| Noninterest income to average assets | 2.3646% | 214 |
| Noninterest expense to average assets | 4.1647% | 430 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2180% | 1,936 |
| Return on assets (ROA) | 1.2563% | 1,796 |
| Pretax return on assets | 1.4129% | 1,964 |
| Return on Equity (ROE) | 8.8026% | 3,005 |
| Retained earnings to average equity (ytd only) | 8.8026% | 1,537 |
| Net charge-offs to loans | -0.0563% | 5,024 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2488% | 1,712 |
| Assets per employee ($millions) | 3.2710% | 4,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8276% | 186 |
| Loan loss allowance to noncurrent loans | 57.0317% | 4,312 |
| Noncurrent assets plus other real estate owned to assets | 2.6438% | 333 |
| Noncurrent loans to loans | 4.9579% | 154 |
| Net loans and leases to total assets | 41.1465% | 5,021 |
| Net loans and leases to deposits | 48.3162% | 5,031 |
| Net loans and leases to core deposits | 48.6201% | 5,083 |
| Total domestic deposits to total assets | 85.1608% | 2,877 |
| Equity capital to assets | 13.7898% | 946 |
| Core capital (leverage) ratio | 14.5893% | 744 |
| Tier 1 risk-based capital ratio | 23.7055% | 863 |
| Total risk-based capital ratio | 24.9649% | 843 |
| Memoranda: | ||
| Average total assets | $232,428,000 | 2,641 |
| Average earning assets | $212,073,000 | 2,670 |
| Average equity | $33,172,000 | 2,177 |
| Average total loans | $99,484,000 | 3,367 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6413% | 4,474 |
| Cost of funding earning assets | 0.2001% | 4,949 |
| Net interest margin | 3.4412% | 3,718 |
| Noninterest income to average assets | 2.3035% | 242 |
| Noninterest expense to average assets | 3.9993% | 534 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9071% | 2,674 |
| Return on assets (ROA) | 0.8636% | 2,920 |
| Pretax return on assets | 1.3702% | 2,096 |
| Return on Equity (ROE) | 6.0254% | 3,750 |
| Retained earnings to average equity (ytd only) | 3.7351% | 2,989 |
| Net charge-offs to loans | 0.4471% | 538 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 7.3803% | 3,052 |
| Efficiency ratio | 73.5509% | 1,967 |
| Assets per employee ($millions) | 3.1841% | 5,045 |
| Cash dividends to net income (ytd only)* | 38.0111% | 2,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9073% | 159 |
| Loan loss allowance to noncurrent loans | 60.4162% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 2.6872% | 321 |
| Noncurrent loans to loans | 4.8121% | 150 |
| Net loans and leases to total assets | 42.0277% | 5,065 |
| Net loans and leases to deposits | 50.2403% | 5,053 |
| Net loans and leases to core deposits | 50.5800% | 5,119 |
| Total domestic deposits to total assets | 83.6533% | 3,328 |
| Equity capital to assets | 14.7813% | 722 |
| Core capital (leverage) ratio | 14.2832% | 775 |
| Tier 1 risk-based capital ratio | 24.0777% | 808 |
| Total risk-based capital ratio | 25.3379% | 790 |
| Memoranda: | ||
| Average total assets | $229,390,400 | 2,642 |
| Average earning assets | $208,909,600 | 2,678 |
| Average equity | $32,877,600 | 2,173 |
| Average total loans | $99,973,000 | 3,349 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6012% | 4,556 |
| Cost of funding earning assets | 0.1990% | 4,985 |
| Net interest margin | 3.4022% | 3,844 |
| Noninterest income to average assets | 2.2737% | 250 |
| Noninterest expense to average assets | 3.9208% | 576 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1495% | 1,881 |
| Return on assets (ROA) | 1.1426% | 1,956 |
| Pretax return on assets | 1.4432% | 1,964 |
| Return on Equity (ROE) | 8.0341% | 3,112 |
| Retained earnings to average equity (ytd only) | 6.2953% | 2,062 |
| Net charge-offs to loans | 0.4776% | 430 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 6.9639% | 2,924 |
| Efficiency ratio | 72.9762% | 2,047 |
| Assets per employee ($millions) | 3.2214% | 5,044 |
| Cash dividends to net income (ytd only)* | 21.6422% | 3,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0111% | 152 |
| Loan loss allowance to noncurrent loans | 60.9898% | 4,323 |
| Noncurrent assets plus other real estate owned to assets | 2.6391% | 385 |
| Noncurrent loans to loans | 4.9371% | 168 |
| Net loans and leases to total assets | 40.7320% | 5,170 |
| Net loans and leases to deposits | 48.4499% | 5,174 |
| Net loans and leases to core deposits | 48.7676% | 5,241 |
| Total domestic deposits to total assets | 84.0703% | 3,098 |
| Equity capital to assets | 14.7509% | 797 |
| Core capital (leverage) ratio | 14.4051% | 793 |
| Tier 1 risk-based capital ratio | 24.2106% | 827 |
| Total risk-based capital ratio | 25.4715% | 805 |
| Memoranda: | ||
| Average total assets | $230,220,500 | 2,660 |
| Average earning assets | $209,703,750 | 2,686 |
| Average equity | $32,743,000 | 2,199 |
| Average total loans | $100,502,000 | 3,374 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6243% | 4,444 |
| Cost of funding earning assets | 0.2001% | 4,982 |
| Net interest margin | 3.4242% | 3,682 |
| Noninterest income to average assets | 2.2103% | 272 |
| Noninterest expense to average assets | 3.8076% | 665 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1843% | 1,651 |
| Return on assets (ROA) | 1.2053% | 1,613 |
| Pretax return on assets | 1.5450% | 1,504 |
| Return on Equity (ROE) | 8.5821% | 2,735 |
| Retained earnings to average equity (ytd only) | 5.9343% | 2,159 |
| Net charge-offs to loans | 0.0729% | 1,896 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 47.1081% | 1,129 |
| Efficiency ratio | 71.4963% | 2,439 |
| Assets per employee ($millions) | 3.3368% | 4,944 |
| Cash dividends to net income (ytd only)* | 30.8526% | 2,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3036% | 125 |
| Loan loss allowance to noncurrent loans | 49.6341% | 4,591 |
| Noncurrent assets plus other real estate owned to assets | 3.5312% | 224 |
| Noncurrent loans to loans | 6.6558% | 81 |
| Net loans and leases to total assets | 40.8023% | 5,198 |
| Net loans and leases to deposits | 48.4202% | 5,196 |
| Net loans and leases to core deposits | 48.7341% | 5,259 |
| Total domestic deposits to total assets | 84.2672% | 3,102 |
| Equity capital to assets | 14.4369% | 844 |
| Core capital (leverage) ratio | 14.1513% | 815 |
| Tier 1 risk-based capital ratio | 23.1487% | 927 |
| Total risk-based capital ratio | 24.4110% | 919 |
| Memoranda: | ||
| Average total assets | $229,648,000 | 2,686 |
| Average earning assets | $208,925,330 | 2,709 |
| Average equity | $32,253,000 | 2,217 |
| Average total loans | $101,534,000 | 3,367 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6310% | 4,332 |
| Cost of funding earning assets | 0.2052% | 4,929 |
| Net interest margin | 3.4258% | 3,543 |
| Noninterest income to average assets | 2.1767% | 283 |
| Noninterest expense to average assets | 3.8158% | 667 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1488% | 1,674 |
| Return on assets (ROA) | 1.1981% | 1,545 |
| Pretax return on assets | 1.5337% | 1,433 |
| Return on Equity (ROE) | 8.6551% | 2,584 |
| Retained earnings to average equity (ytd only) | 8.6551% | 1,203 |
| Net charge-offs to loans | 0.0582% | 1,749 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 55.8000% | 844 |
| Efficiency ratio | 72.1834% | 2,540 |
| Assets per employee ($millions) | 3.1982% | 5,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1991% | 143 |
| Loan loss allowance to noncurrent loans | 55.6839% | 4,527 |
| Noncurrent assets plus other real estate owned to assets | 3.2888% | 276 |
| Noncurrent loans to loans | 5.7451% | 123 |
| Net loans and leases to total assets | 43.0620% | 5,097 |
| Net loans and leases to deposits | 50.8881% | 5,071 |
| Net loans and leases to core deposits | 51.2879% | 5,174 |
| Total domestic deposits to total assets | 84.6210% | 3,254 |
| Equity capital to assets | 13.9642% | 912 |
| Core capital (leverage) ratio | 14.3285% | 756 |
| Tier 1 risk-based capital ratio | 22.0967% | 1,077 |
| Total risk-based capital ratio | 23.3585% | 1,057 |
| Memoranda: | ||
| Average total assets | $227,684,500 | 2,725 |
| Average earning assets | $206,666,000 | 2,758 |
| Average equity | $31,519,000 | 2,258 |
| Average total loans | $103,021,000 | 3,363 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7106% | 4,180 |
| Cost of funding earning assets | 0.1959% | 5,054 |
| Net interest margin | 3.5147% | 3,375 |
| Noninterest income to average assets | 2.0598% | 333 |
| Noninterest expense to average assets | 3.8277% | 759 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2459% | 1,365 |
| Return on assets (ROA) | 1.2651% | 1,393 |
| Pretax return on assets | 1.4300% | 1,817 |
| Return on Equity (ROE) | 8.4800% | 2,684 |
| Retained earnings to average equity (ytd only) | 6.8554% | 1,286 |
| Net charge-offs to loans | 0.0638% | 2,786 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 45.3582% | 1,073 |
| Efficiency ratio | 73.1038% | 2,415 |
| Assets per employee ($millions) | 3.1704% | 5,191 |
| Cash dividends to net income (ytd only)* | 19.1575% | 3,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1774% | 146 |
| Loan loss allowance to noncurrent loans | 55.7494% | 4,548 |
| Noncurrent assets plus other real estate owned to assets | 3.4038% | 264 |
| Noncurrent loans to loans | 5.6994% | 117 |
| Net loans and leases to total assets | 44.5644% | 5,083 |
| Net loans and leases to deposits | 54.3168% | 4,996 |
| Net loans and leases to core deposits | 54.9970% | 5,100 |
| Total domestic deposits to total assets | 82.0454% | 4,060 |
| Equity capital to assets | 13.7196% | 977 |
| Core capital (leverage) ratio | 14.1430% | 781 |
| Tier 1 risk-based capital ratio | 21.7380% | 1,115 |
| Total risk-based capital ratio | 22.9997% | 1,089 |
| Memoranda: | ||
| Average total assets | $215,797,000 | 2,796 |
| Average earning assets | $195,008,800 | 2,851 |
| Average equity | $32,193,400 | 2,216 |
| Average total loans | $105,020,000 | 3,296 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6870% | 4,294 |
| Cost of funding earning assets | 0.1915% | 5,161 |
| Net interest margin | 3.4955% | 3,485 |
| Noninterest income to average assets | 2.1517% | 321 |
| Noninterest expense to average assets | 3.9199% | 652 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0505% | 2,197 |
| Return on assets (ROA) | 1.0743% | 2,205 |
| Pretax return on assets | 1.4209% | 1,967 |
| Return on Equity (ROE) | 7.0517% | 3,537 |
| Retained earnings to average equity (ytd only) | 6.1128% | 2,121 |
| Net charge-offs to loans | 0.2062% | 1,135 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 13.6502% | 2,297 |
| Efficiency ratio | 73.8266% | 2,318 |
| Assets per employee ($millions) | 3.0513% | 5,344 |
| Cash dividends to net income (ytd only)* | 13.3141% | 3,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1058% | 166 |
| Loan loss allowance to noncurrent loans | 54.2324% | 4,634 |
| Noncurrent assets plus other real estate owned to assets | 4.0670% | 202 |
| Noncurrent loans to loans | 5.7269% | 126 |
| Net loans and leases to total assets | 44.7774% | 5,153 |
| Net loans and leases to deposits | 53.5322% | 5,137 |
| Net loans and leases to core deposits | 54.1966% | 5,218 |
| Total domestic deposits to total assets | 83.6457% | 3,339 |
| Equity capital to assets | 15.1134% | 708 |
| Core capital (leverage) ratio | 14.1352% | 813 |
| Tier 1 risk-based capital ratio | 21.7783% | 1,159 |
| Total risk-based capital ratio | 23.0407% | 1,141 |
| Memoranda: | ||
| Average total assets | $213,471,000 | 2,835 |
| Average earning assets | $192,852,250 | 2,883 |
| Average equity | $32,521,000 | 2,213 |
| Average total loans | $105,373,250 | 3,297 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7188% | 4,230 |
| Cost of funding earning assets | 0.1853% | 5,281 |
| Net interest margin | 3.5335% | 3,355 |
| Noninterest income to average assets | 2.1856% | 305 |
| Noninterest expense to average assets | 3.9082% | 672 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0952% | 1,975 |
| Return on assets (ROA) | 1.0952% | 2,100 |
| Pretax return on assets | 1.4688% | 1,778 |
| Return on Equity (ROE) | 7.1686% | 3,449 |
| Retained earnings to average equity (ytd only) | 5.7436% | 2,270 |
| Net charge-offs to loans | -0.0866% | 5,572 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6839% | 2,568 |
| Assets per employee ($millions) | 2.9387% | 5,494 |
| Cash dividends to net income (ytd only)* | 19.8785% | 3,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2392% | 153 |
| Loan loss allowance to noncurrent loans | 42.4988% | 4,997 |
| Noncurrent assets plus other real estate owned to assets | 4.7189% | 161 |
| Noncurrent loans to loans | 7.6220% | 80 |
| Net loans and leases to total assets | 46.7719% | 5,079 |
| Net loans and leases to deposits | 57.0774% | 4,949 |
| Net loans and leases to core deposits | 58.0157% | 5,072 |
| Total domestic deposits to total assets | 81.9446% | 4,013 |
| Equity capital to assets | 15.3777% | 653 |
| Core capital (leverage) ratio | 14.3051% | 748 |
| Tier 1 risk-based capital ratio | 20.7112% | 1,307 |
| Total risk-based capital ratio | 21.9738% | 1,286 |
| Memoranda: | ||
| Average total assets | $210,380,670 | 2,884 |
| Average earning assets | $190,009,670 | 2,926 |
| Average equity | $32,140,000 | 2,239 |
| Average total loans | $106,186,000 | 3,303 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7329% | 4,200 |
| Cost of funding earning assets | 0.1845% | 5,332 |
| Net interest margin | 3.5484% | 3,291 |
| Noninterest income to average assets | 2.2665% | 292 |
| Noninterest expense to average assets | 4.1191% | 538 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0100% | 2,229 |
| Return on assets (ROA) | 0.9882% | 2,446 |
| Pretax return on assets | 1.3170% | 2,234 |
| Return on Equity (ROE) | 6.4911% | 3,729 |
| Retained earnings to average equity (ytd only) | 6.4911% | 2,137 |
| Net charge-offs to loans | -0.0187% | 4,819 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3715% | 2,273 |
| Assets per employee ($millions) | 2.8740% | 5,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1681% | 191 |
| Loan loss allowance to noncurrent loans | 41.9347% | 5,032 |
| Noncurrent assets plus other real estate owned to assets | 4.8961% | 169 |
| Noncurrent loans to loans | 7.5550% | 82 |
| Net loans and leases to total assets | 49.0079% | 4,889 |
| Net loans and leases to deposits | 58.7176% | 4,801 |
| Net loans and leases to core deposits | 59.6977% | 4,957 |
| Total domestic deposits to total assets | 83.4637% | 3,725 |
| Equity capital to assets | 15.2851% | 637 |
| Core capital (leverage) ratio | 14.7172% | 660 |
| Tier 1 risk-based capital ratio | 21.3075% | 1,259 |
| Total risk-based capital ratio | 22.5713% | 1,236 |
| Memoranda: | ||
| Average total assets | $206,839,000 | 2,924 |
| Average earning assets | $186,449,000 | 2,978 |
| Average equity | $31,489,500 | 2,274 |
| Average total loans | $106,720,500 | 3,300 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8026% | 4,035 |
| Cost of funding earning assets | 0.2517% | 4,769 |
| Net interest margin | 3.5509% | 3,319 |
| Noninterest income to average assets | 1.7997% | 412 |
| Noninterest expense to average assets | 4.0134% | 663 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7561% | 3,542 |
| Return on assets (ROA) | 0.7434% | 3,701 |
| Pretax return on assets | 0.9604% | 3,614 |
| Return on Equity (ROE) | 5.0802% | 4,466 |
| Retained earnings to average equity (ytd only) | 3.9979% | 3,180 |
| Net charge-offs to loans | 0.1743% | 1,641 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 10.6158% | 2,670 |
| Efficiency ratio | 80.4251% | 1,620 |
| Assets per employee ($millions) | 2.7184% | 5,759 |
| Cash dividends to net income (ytd only)* | 21.3029% | 3,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1317% | 198 |
| Loan loss allowance to noncurrent loans | 41.9246% | 5,057 |
| Noncurrent assets plus other real estate owned to assets | 5.2242% | 161 |
| Noncurrent loans to loans | 7.4698% | 90 |
| Net loans and leases to total assets | 50.9616% | 4,781 |
| Net loans and leases to deposits | 61.0645% | 4,699 |
| Net loans and leases to core deposits | 62.1140% | 4,872 |
| Total domestic deposits to total assets | 83.4554% | 3,692 |
| Equity capital to assets | 15.1614% | 645 |
| Core capital (leverage) ratio | 14.4788% | 718 |
| Tier 1 risk-based capital ratio | 21.0296% | 1,293 |
| Total risk-based capital ratio | 22.2934% | 1,269 |
| Memoranda: | ||
| Average total assets | $206,483,200 | 2,887 |
| Average earning assets | $185,530,200 | 2,938 |
| Average equity | $30,215,600 | 2,310 |
| Average total loans | $108,982,800 | 3,218 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7549% | 4,242 |
| Cost of funding earning assets | 0.2392% | 5,001 |
| Net interest margin | 3.5157% | 3,480 |
| Noninterest income to average assets | 2.0656% | 342 |
| Noninterest expense to average assets | 4.0437% | 634 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8854% | 3,018 |
| Return on assets (ROA) | 0.8690% | 3,178 |
| Pretax return on assets | 1.1593% | 2,978 |
| Return on Equity (ROE) | 5.9915% | 4,155 |
| Retained earnings to average equity (ytd only) | 5.4101% | 2,632 |
| Net charge-offs to loans | 0.3570% | 737 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 6.2628% | 3,073 |
| Efficiency ratio | 77.3931% | 2,036 |
| Assets per employee ($millions) | 2.7503% | 5,802 |
| Cash dividends to net income (ytd only)* | 9.7035% | 3,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0107% | 239 |
| Loan loss allowance to noncurrent loans | 42.0985% | 5,168 |
| Noncurrent assets plus other real estate owned to assets | 5.2769% | 175 |
| Noncurrent loans to loans | 7.1516% | 97 |
| Net loans and leases to total assets | 50.2117% | 4,914 |
| Net loans and leases to deposits | 59.8133% | 4,872 |
| Net loans and leases to core deposits | 61.1897% | 4,989 |
| Total domestic deposits to total assets | 83.9474% | 3,453 |
| Equity capital to assets | 14.6289% | 830 |
| Core capital (leverage) ratio | 14.3595% | 768 |
| Tier 1 risk-based capital ratio | 20.9999% | 1,339 |
| Total risk-based capital ratio | 22.2629% | 1,313 |
| Memoranda: | ||
| Average total assets | $207,134,250 | 2,900 |
| Average earning assets | $186,132,000 | 2,950 |
| Average equity | $30,041,750 | 2,329 |
| Average total loans | $109,413,750 | 3,243 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7698% | 4,179 |
| Cost of funding earning assets | 0.2167% | 5,287 |
| Net interest margin | 3.5531% | 3,274 |
| Noninterest income to average assets | 1.8779% | 403 |
| Noninterest expense to average assets | 4.0183% | 661 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8084% | 3,337 |
| Return on assets (ROA) | 0.7554% | 3,719 |
| Pretax return on assets | 0.9830% | 3,655 |
| Return on Equity (ROE) | 5.2239% | 4,514 |
| Retained earnings to average equity (ytd only) | 4.3465% | 3,252 |
| Net charge-offs to loans | 0.0146% | 3,426 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 135.7500% | 467 |
| Efficiency ratio | 79.2550% | 1,872 |
| Assets per employee ($millions) | 2.6265% | 5,964 |
| Cash dividends to net income (ytd only)* | 16.7949% | 3,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2258% | 213 |
| Loan loss allowance to noncurrent loans | 41.5386% | 5,226 |
| Noncurrent assets plus other real estate owned to assets | 5.6922% | 169 |
| Noncurrent loans to loans | 7.7658% | 93 |
| Net loans and leases to total assets | 51.2109% | 4,826 |
| Net loans and leases to deposits | 61.4863% | 4,734 |
| Net loans and leases to core deposits | 62.9215% | 4,883 |
| Total domestic deposits to total assets | 83.2883% | 3,836 |
| Equity capital to assets | 14.3126% | 876 |
| Core capital (leverage) ratio | 14.1349% | 804 |
| Tier 1 risk-based capital ratio | 20.9435% | 1,379 |
| Total risk-based capital ratio | 21.9630% | 1,391 |
| Memoranda: | ||
| Average total assets | $206,504,000 | 2,930 |
| Average earning assets | $185,526,330 | 2,986 |
| Average equity | $29,863,000 | 2,351 |
| Average total loans | $109,814,000 | 3,254 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7288% | 4,263 |
| Cost of funding earning assets | 0.2223% | 5,295 |
| Net interest margin | 3.5065% | 3,415 |
| Noninterest income to average assets | 2.1261% | 338 |
| Noninterest expense to average assets | 3.8853% | 789 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0301% | 2,125 |
| Return on assets (ROA) | 0.9223% | 2,764 |
| Pretax return on assets | 1.2504% | 2,462 |
| Return on Equity (ROE) | 6.3449% | 3,854 |
| Retained earnings to average equity (ytd only) | 6.3449% | 2,312 |
| Net charge-offs to loans | 0.0182% | 2,796 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 143.8000% | 368 |
| Efficiency ratio | 73.5662% | 2,888 |
| Assets per employee ($millions) | 2.6561% | 5,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2032% | 244 |
| Loan loss allowance to noncurrent loans | 38.7153% | 5,330 |
| Noncurrent assets plus other real estate owned to assets | 6.2990% | 161 |
| Noncurrent loans to loans | 8.2736% | 93 |
| Net loans and leases to total assets | 51.6935% | 4,685 |
| Net loans and leases to deposits | 61.5620% | 4,617 |
| Net loans and leases to core deposits | 62.9905% | 4,779 |
| Total domestic deposits to total assets | 83.9697% | 3,830 |
| Equity capital to assets | 14.7396% | 769 |
| Core capital (leverage) ratio | 14.2839% | 741 |
| Tier 1 risk-based capital ratio | 21.6291% | 1,297 |
| Total risk-based capital ratio | 22.6401% | 1,322 |
| Memoranda: | ||
| Average total assets | $206,008,500 | 2,949 |
| Average earning assets | $185,369,000 | 2,994 |
| Average equity | $29,945,500 | 2,358 |
| Average total loans | $109,820,000 | 3,261 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9722% | 3,828 |
| Cost of funding earning assets | 0.2454% | 5,373 |
| Net interest margin | 3.7268% | 2,895 |
| Noninterest income to average assets | 1.5752% | 506 |
| Noninterest expense to average assets | 4.1418% | 647 |
| Loan and lease loss provision to assets | 0.1242% | 2,108 |
| Net operating income to assets | 0.5200% | 4,729 |
| Return on assets (ROA) | 0.5233% | 4,802 |
| Pretax return on assets | 0.6415% | 4,805 |
| Return on Equity (ROE) | 3.7548% | 5,213 |
| Retained earnings to average equity (ytd only) | 2.9846% | 4,116 |
| Net charge-offs to loans | 0.2152% | 1,944 |
| Credit loss provision to net charge-offs | 105.9322% | 2,262 |
| Earnings coverage of net charge-offs (x) | 6.4958% | 3,188 |
| Efficiency ratio | 84.4649% | 1,346 |
| Assets per employee ($millions) | 2.6603% | 6,052 |
| Cash dividends to net income (ytd only)* | 20.5128% | 3,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2569% | 226 |
| Loan loss allowance to noncurrent loans | 40.0949% | 5,377 |
| Noncurrent assets plus other real estate owned to assets | 6.2722% | 184 |
| Noncurrent loans to loans | 8.1230% | 107 |
| Net loans and leases to total assets | 51.4787% | 4,834 |
| Net loans and leases to deposits | 62.8076% | 4,656 |
| Net loans and leases to core deposits | 64.3193% | 4,805 |
| Total domestic deposits to total assets | 81.9625% | 4,436 |
| Equity capital to assets | 14.3302% | 864 |
| Core capital (leverage) ratio | 14.1222% | 784 |
| Tier 1 risk-based capital ratio | 21.8030% | 1,253 |
| Total risk-based capital ratio | 22.7244% | 1,288 |
| Memoranda: | ||
| Average total assets | $201,239,000 | 2,973 |
| Average earning assets | $179,724,000 | 3,049 |
| Average equity | $28,044,200 | 2,410 |
| Average total loans | $109,642,400 | 3,226 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0059% | 3,735 |
| Cost of funding earning assets | 0.2492% | 5,418 |
| Net interest margin | 3.7566% | 2,785 |
| Noninterest income to average assets | 1.8615% | 390 |
| Noninterest expense to average assets | 4.1668% | 633 |
| Loan and lease loss provision to assets | 0.1664% | 1,487 |
| Net operating income to assets | 0.6749% | 4,079 |
| Return on assets (ROA) | 0.6795% | 4,136 |
| Pretax return on assets | 0.8845% | 4,059 |
| Return on Equity (ROE) | 4.9115% | 4,763 |
| Retained earnings to average equity (ytd only) | 3.8724% | 3,896 |
| Net charge-offs to loans | 0.0971% | 2,837 |
| Credit loss provision to net charge-offs | 312.5000% | 882 |
| Earnings coverage of net charge-offs (x) | 19.6257% | 1,771 |
| Efficiency ratio | 79.9515% | 1,929 |
| Assets per employee ($millions) | 2.5859% | 6,163 |
| Cash dividends to net income (ytd only)* | 21.1555% | 3,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4590% | 239 |
| Loan loss allowance to noncurrent loans | 43.4874% | 5,343 |
| Noncurrent assets plus other real estate owned to assets | 6.7194% | 184 |
| Noncurrent loans to loans | 7.9540% | 123 |
| Net loans and leases to total assets | 51.2819% | 4,872 |
| Net loans and leases to deposits | 62.6875% | 4,678 |
| Net loans and leases to core deposits | 64.2390% | 4,857 |
| Total domestic deposits to total assets | 81.8056% | 4,547 |
| Equity capital to assets | 14.2807% | 921 |
| Core capital (leverage) ratio | 14.2402% | 787 |
| Tier 1 risk-based capital ratio | 22.4118% | 1,201 |
| Total risk-based capital ratio | 23.3256% | 1,236 |
| Memoranda: | ||
| Average total assets | $200,338,750 | 3,013 |
| Average earning assets | $178,666,250 | 3,082 |
| Average equity | $27,716,750 | 2,438 |
| Average total loans | $109,803,250 | 3,243 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0446% | 3,570 |
| Cost of funding earning assets | 0.2470% | 5,516 |
| Net interest margin | 3.7976% | 2,583 |
| Noninterest income to average assets | 1.6680% | 464 |
| Noninterest expense to average assets | 4.2714% | 563 |
| Loan and lease loss provision to assets | 0.2501% | 877 |
| Net operating income to assets | 0.4491% | 5,018 |
| Return on assets (ROA) | 0.4593% | 5,047 |
| Pretax return on assets | 0.5423% | 5,153 |
| Return on Equity (ROE) | 3.3560% | 5,398 |
| Retained earnings to average equity (ytd only) | 1.7767% | 5,008 |
| Net charge-offs to loans | 0.1427% | 2,247 |
| Credit loss provision to net charge-offs | 316.4557% | 818 |
| Earnings coverage of net charge-offs (x) | 9.8734% | 2,305 |
| Efficiency ratio | 84.5514% | 1,437 |
| Assets per employee ($millions) | 2.5799% | 6,231 |
| Cash dividends to net income (ytd only)* | 47.0588% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4445% | 251 |
| Loan loss allowance to noncurrent loans | 42.3174% | 5,430 |
| Noncurrent assets plus other real estate owned to assets | 6.6998% | 202 |
| Noncurrent loans to loans | 8.1397% | 121 |
| Net loans and leases to total assets | 50.9852% | 4,862 |
| Net loans and leases to deposits | 61.8982% | 4,701 |
| Net loans and leases to core deposits | 63.4399% | 4,866 |
| Total domestic deposits to total assets | 82.3695% | 4,518 |
| Equity capital to assets | 13.7038% | 1,081 |
| Core capital (leverage) ratio | 13.9706% | 840 |
| Tier 1 risk-based capital ratio | 22.1601% | 1,234 |
| Total risk-based capital ratio | 23.0707% | 1,261 |
| Memoranda: | ||
| Average total assets | $199,885,330 | 3,037 |
| Average earning assets | $178,114,000 | 3,101 |
| Average equity | $27,354,330 | 2,452 |
| Average total loans | $110,690,670 | 3,230 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1169% | 3,215 |
| Cost of funding earning assets | 0.2525% | 5,556 |
| Net interest margin | 3.8644% | 2,214 |
| Noninterest income to average assets | 1.8977% | 366 |
| Noninterest expense to average assets | 4.1087% | 676 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8795% | 2,749 |
| Return on assets (ROA) | 0.8751% | 2,835 |
| Pretax return on assets | 1.2166% | 2,410 |
| Return on Equity (ROE) | 6.3991% | 3,806 |
| Retained earnings to average equity (ytd only) | 6.3991% | 2,333 |
| Net charge-offs to loans | 0.2638% | 1,284 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 8.1757% | 2,051 |
| Efficiency ratio | 77.0660% | 2,634 |
| Assets per employee ($millions) | 2.6250% | 6,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1146% | 386 |
| Loan loss allowance to noncurrent loans | 38.7837% | 5,608 |
| Noncurrent assets plus other real estate owned to assets | 7.1683% | 211 |
| Noncurrent loans to loans | 8.0307% | 164 |
| Net loans and leases to total assets | 53.9957% | 4,421 |
| Net loans and leases to deposits | 65.6663% | 4,132 |
| Net loans and leases to core deposits | 67.3829% | 4,369 |
| Total domestic deposits to total assets | 82.2273% | 4,880 |
| Equity capital to assets | 13.8474% | 969 |
| Core capital (leverage) ratio | 14.4087% | 715 |
| Tier 1 risk-based capital ratio | 22.1067% | 1,280 |
| Total risk-based capital ratio | 23.0183% | 1,308 |
| Memoranda: | ||
| Average total assets | $197,922,000 | 3,078 |
| Average earning assets | $175,861,000 | 3,148 |
| Average equity | $27,066,500 | 2,462 |
| Average total loans | $112,225,500 | 3,218 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2419% | 3,182 |
| Cost of funding earning assets | 0.2821% | 5,747 |
| Net interest margin | 3.9598% | 2,070 |
| Noninterest income to average assets | 2.0547% | 379 |
| Noninterest expense to average assets | 4.1150% | 764 |
| Loan and lease loss provision to assets | 0.2175% | 1,678 |
| Net operating income to assets | 0.8136% | 3,224 |
| Return on assets (ROA) | 0.8096% | 3,342 |
| Pretax return on assets | 1.2210% | 2,494 |
| Return on Equity (ROE) | 5.9620% | 4,107 |
| Retained earnings to average equity (ytd only) | 5.2233% | 2,468 |
| Net charge-offs to loans | 0.5090% | 1,301 |
| Credit loss provision to net charge-offs | 71.5488% | 3,263 |
| Earnings coverage of net charge-offs (x) | 4.7525% | 3,472 |
| Efficiency ratio | 74.0151% | 3,128 |
| Assets per employee ($millions) | 2.5834% | 6,334 |
| Cash dividends to net income (ytd only)* | 12.3894% | 3,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1219% | 410 |
| Loan loss allowance to noncurrent loans | 39.3457% | 5,651 |
| Noncurrent assets plus other real estate owned to assets | 7.6148% | 209 |
| Noncurrent loans to loans | 7.9345% | 197 |
| Net loans and leases to total assets | 55.8870% | 4,338 |
| Net loans and leases to deposits | 69.4421% | 3,851 |
| Net loans and leases to core deposits | 71.3267% | 4,149 |
| Total domestic deposits to total assets | 80.4799% | 5,325 |
| Equity capital to assets | 13.5005% | 1,066 |
| Core capital (leverage) ratio | 14.2529% | 754 |
| Tier 1 risk-based capital ratio | 21.1561% | 1,393 |
| Total risk-based capital ratio | 22.0771% | 1,440 |
| Memoranda: | ||
| Average total assets | $195,407,200 | 3,080 |
| Average earning assets | $172,964,000 | 3,175 |
| Average equity | $26,534,800 | 2,498 |
| Average total loans | $116,703,800 | 3,117 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2377% | 3,243 |
| Cost of funding earning assets | 0.2878% | 5,829 |
| Net interest margin | 3.9499% | 2,114 |
| Noninterest income to average assets | 2.1389% | 375 |
| Noninterest expense to average assets | 4.0284% | 830 |
| Loan and lease loss provision to assets | 0.2562% | 1,388 |
| Net operating income to assets | 0.8727% | 2,980 |
| Return on assets (ROA) | 0.8683% | 3,113 |
| Pretax return on assets | 1.3444% | 2,148 |
| Return on Equity (ROE) | 6.3847% | 3,985 |
| Retained earnings to average equity (ytd only) | 5.4002% | 2,799 |
| Net charge-offs to loans | 0.5251% | 1,225 |
| Credit loss provision to net charge-offs | 80.9935% | 2,828 |
| Earnings coverage of net charge-offs (x) | 5.0820% | 3,285 |
| Efficiency ratio | 71.4788% | 3,512 |
| Assets per employee ($millions) | 2.5523% | 6,428 |
| Cash dividends to net income (ytd only)* | 15.4212% | 3,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1604% | 470 |
| Loan loss allowance to noncurrent loans | 41.6082% | 5,576 |
| Noncurrent assets plus other real estate owned to assets | 7.8210% | 235 |
| Noncurrent loans to loans | 7.5957% | 248 |
| Net loans and leases to total assets | 57.1351% | 4,156 |
| Net loans and leases to deposits | 69.6946% | 3,828 |
| Net loans and leases to core deposits | 71.6186% | 4,137 |
| Total domestic deposits to total assets | 81.9793% | 4,940 |
| Equity capital to assets | 13.5712% | 1,089 |
| Core capital (leverage) ratio | 14.1690% | 831 |
| Tier 1 risk-based capital ratio | 21.0247% | 1,489 |
| Total risk-based capital ratio | 21.9450% | 1,536 |
| Memoranda: | ||
| Average total assets | $195,173,750 | 3,111 |
| Average earning assets | $172,791,750 | 3,206 |
| Average equity | $26,541,750 | 2,524 |
| Average total loans | $117,563,500 | 3,109 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2115% | 3,318 |
| Cost of funding earning assets | 0.2954% | 5,864 |
| Net interest margin | 3.9161% | 2,164 |
| Noninterest income to average assets | 1.9359% | 469 |
| Noninterest expense to average assets | 4.0854% | 785 |
| Loan and lease loss provision to assets | 0.3835% | 833 |
| Net operating income to assets | 0.5856% | 4,370 |
| Return on assets (ROA) | 0.5757% | 4,594 |
| Pretax return on assets | 0.9224% | 3,821 |
| Return on Equity (ROE) | 4.2309% | 5,117 |
| Retained earnings to average equity (ytd only) | 2.7579% | 4,561 |
| Net charge-offs to loans | 0.7993% | 785 |
| Credit loss provision to net charge-offs | 79.1139% | 2,646 |
| Earnings coverage of net charge-offs (x) | 2.7257% | 3,608 |
| Efficiency ratio | 75.5627% | 2,848 |
| Assets per employee ($millions) | 2.5698% | 6,431 |
| Cash dividends to net income (ytd only)* | 34.8135% | 2,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1255% | 511 |
| Loan loss allowance to noncurrent loans | 40.7504% | 5,597 |
| Noncurrent assets plus other real estate owned to assets | 7.3071% | 318 |
| Noncurrent loans to loans | 7.6699% | 278 |
| Net loans and leases to total assets | 57.2272% | 4,105 |
| Net loans and leases to deposits | 69.2540% | 3,824 |
| Net loans and leases to core deposits | 71.3305% | 4,132 |
| Total domestic deposits to total assets | 82.6337% | 4,841 |
| Equity capital to assets | 13.2824% | 1,228 |
| Core capital (leverage) ratio | 13.5637% | 952 |
| Tier 1 risk-based capital ratio | 20.6339% | 1,583 |
| Total risk-based capital ratio | 21.5517% | 1,630 |
| Memoranda: | ||
| Average total assets | $195,572,670 | 3,129 |
| Average earning assets | $173,334,330 | 3,208 |
| Average equity | $26,614,000 | 2,526 |
| Average total loans | $118,602,670 | 3,096 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2216% | 3,207 |
| Cost of funding earning assets | 0.3001% | 5,965 |
| Net interest margin | 3.9216% | 2,046 |
| Noninterest income to average assets | 1.9069% | 458 |
| Noninterest expense to average assets | 4.1654% | 741 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8073% | 3,115 |
| Return on assets (ROA) | 0.8073% | 3,251 |
| Pretax return on assets | 1.2141% | 2,523 |
| Return on Equity (ROE) | 5.8626% | 4,123 |
| Retained earnings to average equity (ytd only) | 5.8626% | 2,754 |
| Net charge-offs to loans | 0.2795% | 1,841 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 7.0714% | 2,121 |
| Efficiency ratio | 77.4316% | 2,703 |
| Assets per employee ($millions) | 2.5825% | 6,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0808% | 607 |
| Loan loss allowance to noncurrent loans | 38.1680% | 5,682 |
| Noncurrent assets plus other real estate owned to assets | 7.9572% | 315 |
| Noncurrent loans to loans | 8.0718% | 320 |
| Net loans and leases to total assets | 57.2848% | 3,869 |
| Net loans and leases to deposits | 69.4975% | 3,575 |
| Net loans and leases to core deposits | 71.6621% | 3,858 |
| Total domestic deposits to total assets | 82.4271% | 5,052 |
| Equity capital to assets | 13.6423% | 1,162 |
| Core capital (leverage) ratio | 13.8110% | 847 |
| Tier 1 risk-based capital ratio | 20.6064% | 1,636 |
| Total risk-based capital ratio | 21.5402% | 1,675 |
| Memoranda: | ||
| Average total assets | $195,707,000 | 3,147 |
| Average earning assets | $173,297,500 | 3,231 |
| Average equity | $26,950,500 | 2,530 |
| Average total loans | $120,217,500 | 3,083 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6384% | 2,855 |
| Cost of funding earning assets | 0.3799% | 6,055 |
| Net interest margin | 4.2585% | 1,499 |
| Noninterest income to average assets | 1.4607% | 734 |
| Noninterest expense to average assets | 4.2576% | 713 |
| Loan and lease loss provision to assets | 0.3346% | 2,015 |
| Net operating income to assets | 0.4143% | 5,036 |
| Return on assets (ROA) | 0.4153% | 5,292 |
| Pretax return on assets | 0.6260% | 4,908 |
| Return on Equity (ROE) | 3.0832% | 5,523 |
| Retained earnings to average equity (ytd only) | 2.5108% | 4,461 |
| Net charge-offs to loans | 1.2719% | 768 |
| Credit loss provision to net charge-offs | 40.7895% | 4,923 |
| Earnings coverage of net charge-offs (x) | 1.1692% | 4,874 |
| Efficiency ratio | 81.6158% | 1,926 |
| Assets per employee ($millions) | 2.4070% | 6,698 |
| Cash dividends to net income (ytd only)* | 18.5644% | 3,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0146% | 652 |
| Loan loss allowance to noncurrent loans | 42.3719% | 5,514 |
| Noncurrent assets plus other real estate owned to assets | 7.9341% | 351 |
| Noncurrent loans to loans | 7.1146% | 446 |
| Net loans and leases to total assets | 61.9006% | 3,261 |
| Net loans and leases to deposits | 75.3815% | 2,897 |
| Net loans and leases to core deposits | 77.8155% | 3,289 |
| Total domestic deposits to total assets | 82.1164% | 5,057 |
| Equity capital to assets | 13.9036% | 1,087 |
| Core capital (leverage) ratio | 13.6201% | 909 |
| Tier 1 risk-based capital ratio | 19.6486% | 1,774 |
| Total risk-based capital ratio | 20.5924% | 1,831 |
| Memoranda: | ||
| Average total assets | $194,570,200 | 3,117 |
| Average earning assets | $171,611,600 | 3,208 |
| Average equity | $26,206,400 | 2,548 |
| Average total loans | $125,477,600 | 2,974 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6571% | 2,980 |
| Cost of funding earning assets | 0.3962% | 6,140 |
| Net interest margin | 4.2610% | 1,572 |
| Noninterest income to average assets | 1.5201% | 643 |
| Noninterest expense to average assets | 4.2315% | 698 |
| Loan and lease loss provision to assets | 0.4450% | 1,415 |
| Net operating income to assets | 0.4051% | 5,226 |
| Return on assets (ROA) | 0.4046% | 5,454 |
| Pretax return on assets | 0.5994% | 5,169 |
| Return on Equity (ROE) | 3.0283% | 5,668 |
| Retained earnings to average equity (ytd only) | 2.2610% | 5,209 |
| Net charge-offs to loans | 1.5699% | 539 |
| Credit loss provision to net charge-offs | 43.8384% | 4,532 |
| Earnings coverage of net charge-offs (x) | 1.0296% | 4,801 |
| Efficiency ratio | 80.1943% | 2,069 |
| Assets per employee ($millions) | 2.4234% | 6,765 |
| Cash dividends to net income (ytd only)* | 25.3386% | 2,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0844% | 663 |
| Loan loss allowance to noncurrent loans | 41.0985% | 5,598 |
| Noncurrent assets plus other real estate owned to assets | 8.2503% | 365 |
| Noncurrent loans to loans | 7.5050% | 445 |
| Net loans and leases to total assets | 62.6290% | 3,272 |
| Net loans and leases to deposits | 76.2973% | 2,939 |
| Net loans and leases to core deposits | 79.0524% | 3,319 |
| Total domestic deposits to total assets | 82.0855% | 4,990 |
| Equity capital to assets | 13.9150% | 1,188 |
| Core capital (leverage) ratio | 13.4602% | 1,029 |
| Tier 1 risk-based capital ratio | 19.0406% | 1,998 |
| Total risk-based capital ratio | 19.9923% | 2,059 |
| Memoranda: | ||
| Average total assets | $195,072,250 | 3,140 |
| Average earning assets | $171,975,250 | 3,236 |
| Average equity | $26,064,750 | 2,584 |
| Average total loans | $126,121,500 | 2,991 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6395% | 3,187 |
| Cost of funding earning assets | 0.4158% | 6,189 |
| Net interest margin | 4.2237% | 1,685 |
| Noninterest income to average assets | 1.4123% | 722 |
| Noninterest expense to average assets | 4.2908% | 656 |
| Loan and lease loss provision to assets | 0.6633% | 857 |
| Net operating income to assets | 0.1473% | 6,048 |
| Return on assets (ROA) | 0.1498% | 6,210 |
| Pretax return on assets | 0.1875% | 6,169 |
| Return on Equity (ROE) | 1.1363% | 6,273 |
| Retained earnings to average equity (ytd only) | -0.0232% | 6,037 |
| Net charge-offs to loans | 2.2139% | 348 |
| Credit loss provision to net charge-offs | 46.3345% | 4,123 |
| Earnings coverage of net charge-offs (x) | 0.5922% | 4,771 |
| Efficiency ratio | 83.5019% | 1,684 |
| Assets per employee ($millions) | 2.6764% | 6,562 |
| Cash dividends to net income (ytd only)* | 102.0408% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1029% | 713 |
| Loan loss allowance to noncurrent loans | 41.1125% | 5,598 |
| Noncurrent assets plus other real estate owned to assets | 8.3151% | 405 |
| Noncurrent loans to loans | 7.5473% | 480 |
| Net loans and leases to total assets | 61.4158% | 3,548 |
| Net loans and leases to deposits | 75.9202% | 3,006 |
| Net loans and leases to core deposits | 79.2079% | 3,337 |
| Total domestic deposits to total assets | 80.8952% | 5,503 |
| Equity capital to assets | 13.1517% | 1,447 |
| Core capital (leverage) ratio | 12.8621% | 1,191 |
| Tier 1 risk-based capital ratio | 18.3842% | 2,167 |
| Total risk-based capital ratio | 19.3418% | 2,237 |
| Memoranda: | ||
| Average total assets | $196,280,330 | 3,132 |
| Average earning assets | $173,165,330 | 3,228 |
| Average equity | $25,873,000 | 2,589 |
| Average total loans | $126,922,670 | 2,982 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6217% | 3,403 |
| Cost of funding earning assets | 0.4244% | 6,285 |
| Net interest margin | 4.1973% | 1,764 |
| Noninterest income to average assets | 0.7595% | 2,352 |
| Noninterest expense to average assets | 4.1680% | 770 |
| Loan and lease loss provision to assets | 0.0020% | 5,239 |
| Net operating income to assets | 0.1986% | 5,992 |
| Return on assets (ROA) | 0.1986% | 6,136 |
| Pretax return on assets | 0.2948% | 5,991 |
| Return on Equity (ROE) | 1.5047% | 6,220 |
| Retained earnings to average equity (ytd only) | 1.5047% | 5,485 |
| Net charge-offs to loans | 1.2161% | 846 |
| Credit loss provision to net charge-offs | 0.2577% | 3,993 |
| Earnings coverage of net charge-offs (x) | 0.3737% | 4,173 |
| Efficiency ratio | 93.3517% | 860 |
| Assets per employee ($millions) | 2.6536% | 6,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3628% | 591 |
| Loan loss allowance to noncurrent loans | 36.5829% | 5,821 |
| Noncurrent assets plus other real estate owned to assets | 8.6444% | 421 |
| Noncurrent loans to loans | 9.1924% | 359 |
| Net loans and leases to total assets | 61.5544% | 3,345 |
| Net loans and leases to deposits | 75.8470% | 2,819 |
| Net loans and leases to core deposits | 79.1039% | 3,166 |
| Total domestic deposits to total assets | 81.1561% | 5,559 |
| Equity capital to assets | 12.9415% | 1,464 |
| Core capital (leverage) ratio | 13.1489% | 1,068 |
| Tier 1 risk-based capital ratio | 18.8446% | 2,034 |
| Total risk-based capital ratio | 20.1177% | 1,989 |
| Memoranda: | ||
| Average total assets | $195,395,500 | 3,165 |
| Average earning assets | $172,492,000 | 3,252 |
| Average equity | $25,786,000 | 2,591 |
| Average total loans | $127,619,500 | 2,986 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0112% | 2,828 |
| Cost of funding earning assets | 0.5329% | 6,413 |
| Net interest margin | 4.4783% | 1,185 |
| Noninterest income to average assets | 1.9557% | 390 |
| Noninterest expense to average assets | 4.2374% | 773 |
| Loan and lease loss provision to assets | 3.6342% | 75 |
| Net operating income to assets | -1.1939% | 6,819 |
| Return on assets (ROA) | -1.1817% | 6,839 |
| Pretax return on assets | -1.9551% | 7,012 |
| Return on Equity (ROE) | -10.2076% | 6,747 |
| Retained earnings to average equity (ytd only) | -10.2076% | 6,710 |
| Net charge-offs to loans | 4.7579% | 93 |
| Credit loss provision to net charge-offs | 109.3124% | 3,071 |
| Earnings coverage of net charge-offs (x) | 0.4993% | 5,455 |
| Efficiency ratio | 71.8523% | 3,602 |
| Assets per employee ($millions) | 2.6270% | 6,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6203% | 496 |
| Loan loss allowance to noncurrent loans | 43.8277% | 5,382 |
| Noncurrent assets plus other real estate owned to assets | 8.4939% | 446 |
| Noncurrent loans to loans | 8.2602% | 479 |
| Net loans and leases to total assets | 64.5663% | 3,067 |
| Net loans and leases to deposits | 80.2224% | 2,483 |
| Net loans and leases to core deposits | 83.5769% | 2,947 |
| Total domestic deposits to total assets | 80.4841% | 5,598 |
| Equity capital to assets | 13.4618% | 1,290 |
| Core capital (leverage) ratio | 13.3591% | 1,019 |
| Tier 1 risk-based capital ratio | 18.6469% | 2,006 |
| Total risk-based capital ratio | 19.9231% | 1,963 |
| Memoranda: | ||
| Average total assets | $193,796,600 | 3,134 |
| Average earning assets | $170,579,000 | 3,238 |
| Average equity | $22,434,200 | 2,842 |
| Average total loans | $135,416,400 | 2,890 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0604% | 2,802 |
| Cost of funding earning assets | 0.5575% | 6,488 |
| Net interest margin | 4.5029% | 1,143 |
| Noninterest income to average assets | 1.9852% | 382 |
| Noninterest expense to average assets | 4.2016% | 792 |
| Loan and lease loss provision to assets | 4.7650% | 37 |
| Net operating income to assets | -1.8402% | 7,105 |
| Return on assets (ROA) | -1.8239% | 7,116 |
| Pretax return on assets | -2.9932% | 7,271 |
| Return on Equity (ROE) | -16.4155% | 7,043 |
| Retained earnings to average equity (ytd only) | -16.4155% | 7,021 |
| Net charge-offs to loans | 5.9057% | 61 |
| Credit loss provision to net charge-offs | 114.3045% | 2,860 |
| Earnings coverage of net charge-offs (x) | 0.4189% | 5,307 |
| Efficiency ratio | 70.6391% | 3,826 |
| Assets per employee ($millions) | 2.5040% | 6,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7601% | 475 |
| Loan loss allowance to noncurrent loans | 50.1990% | 4,992 |
| Noncurrent assets plus other real estate owned to assets | 8.2884% | 519 |
| Noncurrent loans to loans | 7.4904% | 631 |
| Net loans and leases to total assets | 66.1585% | 2,867 |
| Net loans and leases to deposits | 79.9037% | 2,668 |
| Net loans and leases to core deposits | 83.1848% | 3,165 |
| Total domestic deposits to total assets | 82.7979% | 4,758 |
| Equity capital to assets | 11.0277% | 3,117 |
| Core capital (leverage) ratio | 11.2437% | 2,195 |
| Tier 1 risk-based capital ratio | 15.3465% | 3,462 |
| Total risk-based capital ratio | 16.3329% | 3,588 |
| Memoranda: | ||
| Average total assets | $194,302,750 | 3,140 |
| Average earning assets | $170,996,000 | 3,234 |
| Average equity | $21,588,750 | 2,935 |
| Average total loans | $137,152,750 | 2,879 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0274% | 3,026 |
| Cost of funding earning assets | 0.5853% | 6,521 |
| Net interest margin | 4.4421% | 1,264 |
| Noninterest income to average assets | 2.0037% | 359 |
| Noninterest expense to average assets | 4.2763% | 762 |
| Loan and lease loss provision to assets | 6.7912% | 15 |
| Net operating income to assets | -3.1535% | 7,320 |
| Return on assets (ROA) | -3.1293% | 7,323 |
| Pretax return on assets | -5.1074% | 7,437 |
| Return on Equity (ROE) | -28.0959% | 7,223 |
| Retained earnings to average equity (ytd only) | -28.0959% | 7,213 |
| Net charge-offs to loans | 6.8460% | 59 |
| Credit loss provision to net charge-offs | 139.3539% | 2,184 |
| Earnings coverage of net charge-offs (x) | 0.3377% | 5,062 |
| Efficiency ratio | 72.2078% | 3,692 |
| Assets per employee ($millions) | 2.4888% | 6,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3967% | 303 |
| Loan loss allowance to noncurrent loans | 62.0264% | 4,351 |
| Noncurrent assets plus other real estate owned to assets | 8.2161% | 548 |
| Noncurrent loans to loans | 7.0884% | 721 |
| Net loans and leases to total assets | 68.1235% | 2,589 |
| Net loans and leases to deposits | 82.0688% | 2,446 |
| Net loans and leases to core deposits | 85.2088% | 3,045 |
| Total domestic deposits to total assets | 83.0078% | 4,751 |
| Equity capital to assets | 10.8400% | 3,143 |
| Core capital (leverage) ratio | 10.3720% | 2,857 |
| Tier 1 risk-based capital ratio | 14.6941% | 3,676 |
| Total risk-based capital ratio | 15.9708% | 3,627 |
| Memoranda: | ||
| Average total assets | $195,636,330 | 3,143 |
| Average earning assets | $172,574,670 | 3,232 |
| Average equity | $21,789,670 | 2,900 |
| Average total loans | $139,263,670 | 2,859 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9403% | 3,368 |
| Cost of funding earning assets | 0.6085% | 6,582 |
| Net interest margin | 4.3318% | 1,460 |
| Noninterest income to average assets | 1.9650% | 361 |
| Noninterest expense to average assets | 4.0708% | 951 |
| Loan and lease loss provision to assets | 7.4176% | 31 |
| Net operating income to assets | -3.6948% | 7,435 |
| Return on assets (ROA) | -3.6464% | 7,437 |
| Pretax return on assets | -5.5974% | 7,497 |
| Return on Equity (ROE) | -32.3281% | 7,340 |
| Retained earnings to average equity (ytd only) | -32.3281% | 7,315 |
| Net charge-offs to loans | 7.5390% | 62 |
| Credit loss provision to net charge-offs | 138.2827% | 2,025 |
| Earnings coverage of net charge-offs (x) | 0.3255% | 4,370 |
| Efficiency ratio | 69.9862% | 4,279 |
| Assets per employee ($millions) | 2.6388% | 6,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6401% | 546 |
| Loan loss allowance to noncurrent loans | 40.7571% | 5,578 |
| Noncurrent assets plus other real estate owned to assets | 8.5333% | 531 |
| Noncurrent loans to loans | 8.9311% | 505 |
| Net loans and leases to total assets | 67.8298% | 2,586 |
| Net loans and leases to deposits | 81.4741% | 2,449 |
| Net loans and leases to core deposits | 85.3244% | 2,985 |
| Total domestic deposits to total assets | 83.2532% | 4,821 |
| Equity capital to assets | 10.8642% | 2,813 |
| Core capital (leverage) ratio | 10.9033% | 2,263 |
| Tier 1 risk-based capital ratio | 15.3361% | 3,244 |
| Total risk-based capital ratio | 16.5705% | 3,211 |
| Memoranda: | ||
| Average total assets | $198,878,500 | 3,128 |
| Average earning assets | $176,830,500 | 3,198 |
| Average equity | $22,432,500 | 2,808 |
| Average total loans | $141,504,000 | 2,857 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4080% | 2,632 |
| Cost of funding earning assets | 0.8091% | 6,529 |
| Net interest margin | 4.5990% | 1,019 |
| Noninterest income to average assets | 1.8470% | 453 |
| Noninterest expense to average assets | 3.7926% | 1,500 |
| Loan and lease loss provision to assets | 1.3394% | 1,137 |
| Net operating income to assets | 0.5649% | 3,827 |
| Return on assets (ROA) | 0.5840% | 3,905 |
| Pretax return on assets | 0.8719% | 3,401 |
| Return on Equity (ROE) | 5.1408% | 4,004 |
| Retained earnings to average equity (ytd only) | 1.6526% | 4,689 |
| Net charge-offs to loans | 0.9984% | 2,194 |
| Credit loss provision to net charge-offs | 183.9203% | 1,787 |
| Earnings coverage of net charge-offs (x) | 2.9973% | 3,572 |
| Efficiency ratio | 63.4707% | 5,434 |
| Assets per employee ($millions) | 2.6296% | 6,802 |
| Cash dividends to net income (ytd only)* | 67.8542% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8191% | 1,031 |
| Loan loss allowance to noncurrent loans | 50.3918% | 4,972 |
| Noncurrent assets plus other real estate owned to assets | 6.3172% | 906 |
| Noncurrent loans to loans | 5.5944% | 1,169 |
| Net loans and leases to total assets | 69.8754% | 2,562 |
| Net loans and leases to deposits | 84.8618% | 2,311 |
| Net loans and leases to core deposits | 89.2717% | 2,863 |
| Total domestic deposits to total assets | 82.3403% | 5,079 |
| Equity capital to assets | 11.6908% | 2,131 |
| Core capital (leverage) ratio | 11.7682% | 1,694 |
| Tier 1 risk-based capital ratio | 16.2966% | 2,615 |
| Total risk-based capital ratio | 17.5659% | 2,566 |
| Memoranda: | ||
| Average total assets | $206,664,000 | 3,021 |
| Average earning assets | $185,520,400 | 3,053 |
| Average equity | $23,478,800 | 2,705 |
| Average total loans | $150,746,400 | 2,763 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4591% | 2,607 |
| Cost of funding earning assets | 0.8556% | 6,563 |
| Net interest margin | 4.6035% | 1,036 |
| Noninterest income to average assets | 1.8185% | 444 |
| Noninterest expense to average assets | 3.7043% | 1,555 |
| Loan and lease loss provision to assets | 1.3546% | 1,004 |
| Net operating income to assets | 0.6084% | 3,848 |
| Return on assets (ROA) | 0.6341% | 3,896 |
| Pretax return on assets | 0.9355% | 3,430 |
| Return on Equity (ROE) | 5.6208% | 3,997 |
| Retained earnings to average equity (ytd only) | 3.3010% | 4,126 |
| Net charge-offs to loans | 1.1426% | 1,784 |
| Credit loss provision to net charge-offs | 161.9740% | 2,324 |
| Earnings coverage of net charge-offs (x) | 2.6932% | 3,799 |
| Efficiency ratio | 62.1871% | 5,595 |
| Assets per employee ($millions) | 2.7185% | 6,750 |
| Cash dividends to net income (ytd only)* | 41.2715% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4786% | 1,362 |
| Loan loss allowance to noncurrent loans | 35.6492% | 5,954 |
| Noncurrent assets plus other real estate owned to assets | 7.1293% | 751 |
| Noncurrent loans to loans | 6.9527% | 815 |
| Net loans and leases to total assets | 70.3519% | 2,649 |
| Net loans and leases to deposits | 85.4477% | 2,446 |
| Net loans and leases to core deposits | 90.1963% | 3,067 |
| Total domestic deposits to total assets | 82.3333% | 4,862 |
| Equity capital to assets | 11.8701% | 2,241 |
| Core capital (leverage) ratio | 11.5478% | 1,910 |
| Tier 1 risk-based capital ratio | 16.1782% | 2,686 |
| Total risk-based capital ratio | 17.4431% | 2,626 |
| Memoranda: | ||
| Average total assets | $208,367,500 | 3,040 |
| Average earning assets | $187,302,250 | 3,083 |
| Average equity | $23,507,500 | 2,747 |
| Average total loans | $152,508,750 | 2,771 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4766% | 2,624 |
| Cost of funding earning assets | 0.9122% | 6,530 |
| Net interest margin | 4.5644% | 1,076 |
| Noninterest income to average assets | 1.8020% | 413 |
| Noninterest expense to average assets | 3.5926% | 1,798 |
| Loan and lease loss provision to assets | 1.4851% | 894 |
| Net operating income to assets | 0.5915% | 3,915 |
| Return on assets (ROA) | 0.6187% | 3,923 |
| Pretax return on assets | 0.8844% | 3,561 |
| Return on Equity (ROE) | 5.5765% | 4,010 |
| Retained earnings to average equity (ytd only) | 2.0784% | 4,819 |
| Net charge-offs to loans | 1.0247% | 1,821 |
| Credit loss provision to net charge-offs | 197.1033% | 2,004 |
| Earnings coverage of net charge-offs (x) | 3.0932% | 3,457 |
| Efficiency ratio | 60.6536% | 5,927 |
| Assets per employee ($millions) | 2.7178% | 6,752 |
| Cash dividends to net income (ytd only)* | 62.7301% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3771% | 1,461 |
| Loan loss allowance to noncurrent loans | 37.7186% | 5,841 |
| Noncurrent assets plus other real estate owned to assets | 6.0139% | 977 |
| Noncurrent loans to loans | 6.3022% | 975 |
| Net loans and leases to total assets | 68.0570% | 3,346 |
| Net loans and leases to deposits | 82.9093% | 3,094 |
| Net loans and leases to core deposits | 86.9344% | 3,710 |
| Total domestic deposits to total assets | 82.0860% | 4,946 |
| Equity capital to assets | 10.9677% | 2,894 |
| Core capital (leverage) ratio | 11.0365% | 2,211 |
| Tier 1 risk-based capital ratio | 15.3526% | 2,978 |
| Total risk-based capital ratio | 16.6164% | 2,936 |
| Memoranda: | ||
| Average total assets | $210,766,670 | 3,043 |
| Average earning assets | $190,299,330 | 3,057 |
| Average equity | $23,383,670 | 2,753 |
| Average total loans | $154,970,330 | 2,764 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3566% | 3,262 |
| Cost of funding earning assets | 0.9687% | 6,509 |
| Net interest margin | 4.3879% | 1,423 |
| Noninterest income to average assets | 1.7395% | 425 |
| Noninterest expense to average assets | 3.7491% | 1,416 |
| Loan and lease loss provision to assets | 1.3659% | 874 |
| Net operating income to assets | 0.4000% | 4,838 |
| Return on assets (ROA) | 0.4215% | 4,885 |
| Pretax return on assets | 0.6399% | 4,451 |
| Return on Equity (ROE) | 3.7766% | 4,992 |
| Retained earnings to average equity (ytd only) | 3.7766% | 3,877 |
| Net charge-offs to loans | 1.5506% | 1,123 |
| Credit loss provision to net charge-offs | 116.6939% | 2,989 |
| Earnings coverage of net charge-offs (x) | 1.6858% | 3,721 |
| Efficiency ratio | 65.5172% | 5,216 |
| Assets per employee ($millions) | 2.5719% | 7,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8541% | 2,563 |
| Loan loss allowance to noncurrent loans | 20.0305% | 7,008 |
| Noncurrent assets plus other real estate owned to assets | 7.0100% | 769 |
| Noncurrent loans to loans | 9.2566% | 505 |
| Net loans and leases to total assets | 72.5109% | 2,326 |
| Net loans and leases to deposits | 88.3862% | 2,164 |
| Net loans and leases to core deposits | 94.2974% | 2,807 |
| Total domestic deposits to total assets | 82.0387% | 5,059 |
| Equity capital to assets | 11.0983% | 2,676 |
| Core capital (leverage) ratio | 11.0136% | 2,223 |
| Tier 1 risk-based capital ratio | 15.2046% | 3,005 |
| Total risk-based capital ratio | 16.4685% | 2,959 |
| Memoranda: | ||
| Average total assets | $208,798,000 | 3,112 |
| Average earning assets | $189,523,000 | 3,125 |
| Average equity | $23,301,500 | 2,794 |
| Average total loans | $157,616,000 | 2,783 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8940% | 2,268 |
| Cost of funding earning assets | 1.3788% | 6,020 |
| Net interest margin | 4.5152% | 1,148 |
| Noninterest income to average assets | 1.8087% | 452 |
| Noninterest expense to average assets | 3.9027% | 1,508 |
| Loan and lease loss provision to assets | 1.0797% | 2,117 |
| Net operating income to assets | 0.6520% | 3,130 |
| Return on assets (ROA) | 0.6520% | 3,184 |
| Pretax return on assets | 0.9114% | 2,887 |
| Return on Equity (ROE) | 5.7777% | 3,303 |
| Retained earnings to average equity (ytd only) | 2.2385% | 3,552 |
| Net charge-offs to loans | 0.7329% | 2,995 |
| Credit loss provision to net charge-offs | 192.1875% | 2,070 |
| Earnings coverage of net charge-offs (x) | 3.5443% | 3,298 |
| Efficiency ratio | 66.2171% | 5,353 |
| Assets per employee ($millions) | 2.4903% | 7,218 |
| Cash dividends to net income (ytd only)* | 61.2565% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7482% | 2,719 |
| Loan loss allowance to noncurrent loans | 16.7076% | 7,196 |
| Noncurrent assets plus other real estate owned to assets | 8.1839% | 533 |
| Noncurrent loans to loans | 10.4636% | 378 |
| Net loans and leases to total assets | 75.7782% | 1,860 |
| Net loans and leases to deposits | 95.0552% | 1,449 |
| Net loans and leases to core deposits | 120.3602% | 1,926 |
| Total domestic deposits to total assets | 79.7202% | 5,766 |
| Equity capital to assets | 11.2227% | 2,515 |
| Core capital (leverage) ratio | 11.2019% | 2,103 |
| Tier 1 risk-based capital ratio | 14.8225% | 3,037 |
| Total risk-based capital ratio | 16.0794% | 2,987 |
| Memoranda: | ||
| Average total assets | $205,061,200 | 3,116 |
| Average earning assets | $185,528,800 | 3,149 |
| Average equity | $23,140,800 | 2,812 |
| Average total loans | $157,192,800 | 2,815 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9909% | 2,081 |
| Cost of funding earning assets | 1.4920% | 5,855 |
| Net interest margin | 4.4990% | 1,193 |
| Noninterest income to average assets | 1.7916% | 456 |
| Noninterest expense to average assets | 3.9005% | 1,426 |
| Loan and lease loss provision to assets | 0.9844% | 1,943 |
| Net operating income to assets | 0.7101% | 3,166 |
| Return on assets (ROA) | 0.7101% | 3,234 |
| Pretax return on assets | 0.9733% | 2,980 |
| Return on Equity (ROE) | 6.2841% | 3,401 |
| Retained earnings to average equity (ytd only) | 3.9261% | 3,087 |
| Net charge-offs to loans | 0.3873% | 3,717 |
| Credit loss provision to net charge-offs | 332.0879% | 1,241 |
| Earnings coverage of net charge-offs (x) | 6.6044% | 2,570 |
| Efficiency ratio | 66.5814% | 5,274 |
| Assets per employee ($millions) | 2.4710% | 7,274 |
| Cash dividends to net income (ytd only)* | 37.5229% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7552% | 2,426 |
| Loan loss allowance to noncurrent loans | 19.8133% | 7,103 |
| Noncurrent assets plus other real estate owned to assets | 6.9211% | 696 |
| Noncurrent loans to loans | 8.8588% | 510 |
| Net loans and leases to total assets | 75.8963% | 2,013 |
| Net loans and leases to deposits | 95.1374% | 1,694 |
| Net loans and leases to core deposits | 120.3875% | 2,214 |
| Total domestic deposits to total assets | 79.7754% | 5,528 |
| Equity capital to assets | 11.4273% | 2,651 |
| Core capital (leverage) ratio | 11.2716% | 2,205 |
| Tier 1 risk-based capital ratio | 14.9004% | 3,088 |
| Total risk-based capital ratio | 16.1569% | 3,024 |
| Memoranda: | ||
| Average total assets | $204,652,000 | 3,150 |
| Average earning assets | $184,986,500 | 3,180 |
| Average equity | $23,126,750 | 2,840 |
| Average total loans | $156,636,250 | 2,845 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0732% | 1,891 |
| Cost of funding earning assets | 1.6233% | 5,647 |
| Net interest margin | 4.4499% | 1,293 |
| Noninterest income to average assets | 1.7486% | 476 |
| Noninterest expense to average assets | 3.8718% | 1,534 |
| Loan and lease loss provision to assets | 0.8636% | 1,949 |
| Net operating income to assets | 0.7794% | 2,934 |
| Return on assets (ROA) | 0.7794% | 3,029 |
| Pretax return on assets | 1.0239% | 2,911 |
| Return on Equity (ROE) | 6.9234% | 3,240 |
| Retained earnings to average equity (ytd only) | 3.3705% | 3,445 |
| Net charge-offs to loans | 0.3512% | 3,430 |
| Credit loss provision to net charge-offs | 322.2628% | 1,449 |
| Earnings coverage of net charge-offs (x) | 7.0438% | 2,502 |
| Efficiency ratio | 67.2270% | 5,309 |
| Assets per employee ($millions) | 2.4406% | 7,363 |
| Cash dividends to net income (ytd only)* | 51.3174% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4527% | 3,449 |
| Loan loss allowance to noncurrent loans | 23.2795% | 6,951 |
| Noncurrent assets plus other real estate owned to assets | 4.8633% | 1,117 |
| Noncurrent loans to loans | 6.2402% | 868 |
| Net loans and leases to total assets | 76.3231% | 2,101 |
| Net loans and leases to deposits | 95.5108% | 1,869 |
| Net loans and leases to core deposits | 122.1554% | 2,197 |
| Total domestic deposits to total assets | 79.9104% | 5,501 |
| Equity capital to assets | 11.1260% | 2,812 |
| Core capital (leverage) ratio | 11.3364% | 2,178 |
| Tier 1 risk-based capital ratio | 14.4085% | 3,301 |
| Total risk-based capital ratio | 15.6610% | 3,236 |
| Memoranda: | ||
| Average total assets | $204,503,670 | 3,172 |
| Average earning assets | $184,319,000 | 3,210 |
| Average equity | $23,023,330 | 2,857 |
| Average total loans | $156,034,330 | 2,889 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2085% | 1,568 |
| Cost of funding earning assets | 1.7569% | 5,325 |
| Net interest margin | 4.4515% | 1,231 |
| Noninterest income to average assets | 1.7377% | 454 |
| Noninterest expense to average assets | 4.0782% | 1,091 |
| Loan and lease loss provision to assets | 0.4137% | 2,851 |
| Net operating income to assets | 0.6639% | 3,737 |
| Return on assets (ROA) | 0.6639% | 3,913 |
| Pretax return on assets | 1.2491% | 2,457 |
| Return on Equity (ROE) | 5.8623% | 4,092 |
| Retained earnings to average equity (ytd only) | 5.8623% | 2,688 |
| Net charge-offs to loans | 0.0442% | 4,859 |
| Credit loss provision to net charge-offs | 1,235.2941% | 512 |
| Earnings coverage of net charge-offs (x) | 49.6471% | 728 |
| Efficiency ratio | 71.0364% | 4,365 |
| Assets per employee ($millions) | 2.4100% | 7,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2377% | 4,537 |
| Loan loss allowance to noncurrent loans | 52.2771% | 5,069 |
| Noncurrent assets plus other real estate owned to assets | 1.8835% | 3,085 |
| Noncurrent loans to loans | 2.3675% | 2,775 |
| Net loans and leases to total assets | 75.5649% | 2,375 |
| Net loans and leases to deposits | 94.9907% | 2,109 |
| Net loans and leases to core deposits | 119.3090% | 2,477 |
| Total domestic deposits to total assets | 79.5498% | 5,524 |
| Equity capital to assets | 11.4124% | 2,650 |
| Core capital (leverage) ratio | 11.3174% | 2,264 |
| Tier 1 risk-based capital ratio | 14.7881% | 3,161 |
| Total risk-based capital ratio | 16.0274% | 3,097 |
| Memoranda: | ||
| Average total assets | $203,030,000 | 3,206 |
| Average earning assets | $182,589,500 | 3,249 |
| Average equity | $22,994,500 | 2,879 |
| Average total loans | $153,718,000 | 2,947 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4780% | 3,073 |
| Cost of funding earning assets | 2.1055% | 6,029 |
| Net interest margin | 4.3725% | 1,766 |
| Noninterest income to average assets | 1.9652% | 356 |
| Noninterest expense to average assets | 3.9787% | 1,452 |
| Loan and lease loss provision to assets | 0.3080% | 3,907 |
| Net operating income to assets | 0.9793% | 2,640 |
| Return on assets (ROA) | 0.9806% | 2,515 |
| Pretax return on assets | 1.6264% | 1,323 |
| Return on Equity (ROE) | 8.5803% | 2,798 |
| Retained earnings to average equity (ytd only) | 4.9011% | 2,083 |
| Net charge-offs to loans | 0.1318% | 4,905 |
| Credit loss provision to net charge-offs | 307.6923% | 1,467 |
| Earnings coverage of net charge-offs (x) | 19.3026% | 1,640 |
| Efficiency ratio | 67.3094% | 4,851 |
| Assets per employee ($millions) | 2.3956% | 7,405 |
| Cash dividends to net income (ytd only)* | 42.8796% | 3,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1301% | 5,060 |
| Loan loss allowance to noncurrent loans | 55.2919% | 5,212 |
| Noncurrent assets plus other real estate owned to assets | 1.6059% | 3,037 |
| Noncurrent loans to loans | 2.0440% | 2,707 |
| Net loans and leases to total assets | 74.0701% | 3,084 |
| Net loans and leases to deposits | 95.7673% | 2,478 |
| Net loans and leases to core deposits | 118.4663% | 2,838 |
| Total domestic deposits to total assets | 77.3438% | 5,908 |
| Equity capital to assets | 11.2395% | 2,850 |
| Core capital (leverage) ratio | 11.2925% | 2,375 |
| Tier 1 risk-based capital ratio | 14.7434% | 3,180 |
| Total risk-based capital ratio | 15.8719% | 3,162 |
| Memoranda: | ||
| Average total assets | $194,785,000 | 3,203 |
| Average earning assets | $175,778,800 | 3,247 |
| Average equity | $22,260,200 | 2,944 |
| Average total loans | $147,997,600 | 2,964 |