Home > The First National Bank of Russell Springs > Performance and Condition Ratios
The First National Bank of Russell Springs, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5548% | 1,972 |
| Cost of funding earning assets | 2.5998% | 714 |
| Net interest margin | 2.9550% | 3,479 |
| Noninterest income to average assets | 0.2300% | 3,365 |
| Noninterest expense to average assets | 1.7524% | 3,980 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.9835% | 2,316 |
| Return on assets (ROA) | 0.9835% | 2,317 |
| Pretax return on assets | 1.3136% | 1,931 |
| Return on Equity (ROE) | 11.6400% | 1,846 |
| Retained earnings to average equity (ytd only) | 11.6430% | 851 |
| Net charge-offs to loans | -0.0556% | 4,310 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 57.1562% | 3,288 |
| Assets per employee ($millions) | 12.0272% | 450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0767% | 2,834 |
| Loan loss allowance to noncurrent loans | 2,584.8214% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.0259% | 3,533 |
| Noncurrent loans to loans | 0.0417% | 3,472 |
| Net loans and leases to total assets | 61.4300% | 2,754 |
| Net loans and leases to deposits | 67.4849% | 3,032 |
| Net loans and leases to core deposits | 81.6368% | 2,593 |
| Total domestic deposits to total assets | 91.0300% | 511 |
| Equity capital to assets | 8.3718% | 3,401 |
| Core capital (leverage) ratio | 10.0779% | 2,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $419,313,500 | 2,016 |
| Average earning assets | $402,033,000 | 1,968 |
| Average equity | $35,420,500 | 2,212 |
| Average total loans | $266,267,000 | 2,024 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6111% | 1,928 |
| Cost of funding earning assets | 2.3184% | 1,502 |
| Net interest margin | 3.2927% | 2,523 |
| Noninterest income to average assets | 0.2800% | 3,178 |
| Noninterest expense to average assets | 1.9023% | 3,781 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.1584% | 1,599 |
| Return on assets (ROA) | 1.1584% | 1,608 |
| Pretax return on assets | 1.5238% | 1,231 |
| Return on Equity (ROE) | 12.5500% | 1,485 |
| Retained earnings to average equity (ytd only) | 8.6854% | 890 |
| Net charge-offs to loans | 0.0303% | 1,970 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 71.1667% | 1,007 |
| Efficiency ratio | 55.5244% | 3,603 |
| Assets per employee ($millions) | 11.2680% | 534 |
| Cash dividends to net income (ytd only)* | 30.8057% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0840% | 2,769 |
| Loan loss allowance to noncurrent loans | 2,507.0175% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.0281% | 3,496 |
| Noncurrent loans to loans | 0.0432% | 3,438 |
| Net loans and leases to total assets | 64.2900% | 2,546 |
| Net loans and leases to deposits | 70.7970% | 2,892 |
| Net loans and leases to core deposits | 86.9876% | 2,327 |
| Total domestic deposits to total assets | 90.8100% | 569 |
| Equity capital to assets | 8.5278% | 3,177 |
| Core capital (leverage) ratio | 10.6901% | 2,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $364,290,800 | 2,172 |
| Average earning assets | $347,830,800 | 2,122 |
| Average equity | $33,619,800 | 2,232 |
| Average total loans | $257,745,000 | 2,036 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5401% | 2,001 |
| Cost of funding earning assets | 2.2497% | 1,637 |
| Net interest margin | 3.2904% | 2,470 |
| Noninterest income to average assets | 0.2900% | 3,095 |
| Noninterest expense to average assets | 1.9682% | 3,629 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.1327% | 1,669 |
| Return on assets (ROA) | 1.1327% | 1,675 |
| Pretax return on assets | 1.4536% | 1,396 |
| Return on Equity (ROE) | 12.0100% | 1,617 |
| Retained earnings to average equity (ytd only) | 9.4156% | 992 |
| Net charge-offs to loans | 0.0182% | 2,018 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 110.2571% | 749 |
| Efficiency ratio | 57.5187% | 3,402 |
| Assets per employee ($millions) | 10.1412% | 734 |
| Cash dividends to net income (ytd only)* | 21.6162% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0700% | 2,897 |
| Loan loss allowance to noncurrent loans | 1,213.5593% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.0646% | 3,272 |
| Noncurrent loans to loans | 0.0882% | 3,248 |
| Net loans and leases to total assets | 72.5300% | 1,540 |
| Net loans and leases to deposits | 81.0696% | 2,078 |
| Net loans and leases to core deposits | 96.6410% | 1,718 |
| Total domestic deposits to total assets | 89.4700% | 753 |
| Equity capital to assets | 9.8090% | 2,421 |
| Core capital (leverage) ratio | 11.2571% | 1,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $353,951,250 | 2,211 |
| Average earning assets | $337,098,500 | 2,164 |
| Average equity | $33,376,500 | 2,240 |
| Average total loans | $256,269,750 | 2,027 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4537% | 2,055 |
| Cost of funding earning assets | 2.1643% | 1,741 |
| Net interest margin | 3.2894% | 2,430 |
| Noninterest income to average assets | 0.2900% | 3,062 |
| Noninterest expense to average assets | 1.9735% | 3,613 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.1324% | 1,642 |
| Return on assets (ROA) | 1.1324% | 1,643 |
| Pretax return on assets | 1.4487% | 1,375 |
| Return on Equity (ROE) | 12.1800% | 1,568 |
| Retained earnings to average equity (ytd only) | 8.1867% | 1,319 |
| Net charge-offs to loans | 0.0103% | 2,028 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 195.1538% | 502 |
| Efficiency ratio | 57.6673% | 3,419 |
| Assets per employee ($millions) | 9.9045% | 746 |
| Cash dividends to net income (ytd only)* | 32.7786% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1307% | 2,607 |
| Loan loss allowance to noncurrent loans | 2,509.5652% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.0323% | 3,487 |
| Noncurrent loans to loans | 0.0451% | 3,449 |
| Net loans and leases to total assets | 70.7700% | 1,808 |
| Net loans and leases to deposits | 78.4574% | 2,338 |
| Net loans and leases to core deposits | 89.0550% | 2,202 |
| Total domestic deposits to total assets | 90.2100% | 653 |
| Equity capital to assets | 9.2974% | 2,531 |
| Core capital (leverage) ratio | 11.2456% | 1,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $350,240,667 | 2,210 |
| Average earning assets | $333,498,667 | 2,169 |
| Average equity | $32,565,000 | 2,248 |
| Average total loans | $252,470,000 | 2,043 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3533% | 2,095 |
| Cost of funding earning assets | 2.0896% | 1,795 |
| Net interest margin | 3.2637% | 2,418 |
| Noninterest income to average assets | 0.2900% | 2,998 |
| Noninterest expense to average assets | 1.9650% | 3,658 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.1156% | 1,625 |
| Return on assets (ROA) | 1.1156% | 1,636 |
| Pretax return on assets | 1.4337% | 1,376 |
| Return on Equity (ROE) | 12.0000% | 1,567 |
| Retained earnings to average equity (ytd only) | 11.9980% | 739 |
| Net charge-offs to loans | 0.0080% | 1,798 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 248.8000% | 352 |
| Efficiency ratio | 57.8162% | 3,454 |
| Assets per employee ($millions) | 9.7345% | 797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1357% | 2,628 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 71.8900% | 1,574 |
| Net loans and leases to deposits | 79.7039% | 2,084 |
| Net loans and leases to core deposits | 88.6661% | 2,124 |
| Total domestic deposits to total assets | 90.1900% | 737 |
| Equity capital to assets | 9.2820% | 2,483 |
| Core capital (leverage) ratio | 11.4296% | 1,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $347,080,500 | 2,220 |
| Average earning assets | $330,786,000 | 2,188 |
| Average equity | $32,272,000 | 2,260 |
| Average total loans | $251,084,000 | 2,050 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0381% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 58,705.0000% | 22 |
| Cost of funding earning assets | 114.0000% | 23 |
| Net interest margin | 0.0000% | 4,558 |
| Noninterest income to average assets | 0.0000% | 4,534 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0000% | 4,329 |
| Return on assets (ROA) | 1.2639% | 1,482 |
| Pretax return on assets | 1.6194% | 1,198 |
| Return on Equity (ROE) | 13.9600% | 1,495 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0083% | 2,357 |
| Credit loss provision to net charge-offs | 4.0000% | 2,349 |
| Earnings coverage of net charge-offs (x) | 2.3441% | 2,700 |
| Efficiency ratio | 0.0000% | 4,579 |
| Assets per employee ($millions) | 0.4288% | 4,520 |
| Cash dividends to net income (ytd only)* | 68.0000% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 14,117.0000% | 11 |
| Total domestic deposits to total assets | 1,010.0000% | 13 |
| Equity capital to assets | 63,430.0000% | 14 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $5,505,000 | 4,583 |
| Average earning assets | $5,055 | 4,573 |
| Average equity | $0 | 4,538 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8815% | 2,103 |
| Cost of funding earning assets | 1.3444% | 2,016 |
| Net interest margin | 3.5371% | 2,134 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 2.1096% | 3,331 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.2165% | 1,746 |
| Return on assets (ROA) | 1.2165% | 1,737 |
| Pretax return on assets | 1.5586% | 1,447 |
| Return on Equity (ROE) | 13.5400% | 1,786 |
| Retained earnings to average equity (ytd only) | 11.3534% | 1,098 |
| Net charge-offs to loans | 0.0132% | 1,925 |
| Credit loss provision to net charge-offs | 221.7391% | 1,055 |
| Earnings coverage of net charge-offs (x) | 167.4783% | 676 |
| Efficiency ratio | 56.9705% | 3,315 |
| Assets per employee ($millions) | 9.2709% | 843 |
| Cash dividends to net income (ytd only)* | 16.1510% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1564% | 2,588 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 72.7600% | 1,493 |
| Net loans and leases to deposits | 80.0961% | 2,041 |
| Net loans and leases to core deposits | 89.2493% | 1,980 |
| Total domestic deposits to total assets | 90.8400% | 709 |
| Equity capital to assets | 8.6744% | 2,611 |
| Core capital (leverage) ratio | 11.1575% | 1,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $322,326,500 | 2,305 |
| Average earning assets | $308,041,250 | 2,256 |
| Average equity | $28,959,750 | 2,299 |
| Average total loans | $232,728,500 | 2,093 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7044% | 2,196 |
| Cost of funding earning assets | 1.1367% | 2,176 |
| Net interest margin | 3.5677% | 2,103 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 2.1361% | 3,247 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.2320% | 1,744 |
| Return on assets (ROA) | 1.2320% | 1,736 |
| Pretax return on assets | 1.5792% | 1,449 |
| Return on Equity (ROE) | 13.5500% | 1,782 |
| Retained earnings to average equity (ytd only) | 10.2684% | 1,337 |
| Net charge-offs to loans | 0.0088% | 1,877 |
| Credit loss provision to net charge-offs | 340.0000% | 797 |
| Earnings coverage of net charge-offs (x) | 255.6000% | 501 |
| Efficiency ratio | 57.0997% | 3,287 |
| Assets per employee ($millions) | 9.1886% | 856 |
| Cash dividends to net income (ytd only)* | 24.2100% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2233% | 2,323 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 69.2500% | 1,824 |
| Net loans and leases to deposits | 76.3321% | 2,278 |
| Net loans and leases to core deposits | 84.2502% | 2,196 |
| Total domestic deposits to total assets | 90.7200% | 723 |
| Equity capital to assets | 8.9486% | 2,547 |
| Core capital (leverage) ratio | 11.3350% | 1,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $318,518,000 | 2,332 |
| Average earning assets | $304,395,000 | 2,284 |
| Average equity | $28,962,667 | 2,311 |
| Average total loans | $228,416,000 | 2,105 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5162% | 2,282 |
| Cost of funding earning assets | 0.9188% | 2,314 |
| Net interest margin | 3.5974% | 2,138 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 2.1755% | 3,167 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2267% | 1,864 |
| Return on assets (ROA) | 1.2267% | 1,834 |
| Pretax return on assets | 1.5737% | 1,521 |
| Return on Equity (ROE) | 13.3800% | 1,908 |
| Retained earnings to average equity (ytd only) | 13.3783% | 1,032 |
| Net charge-offs to loans | 0.0088% | 1,613 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 245.8000% | 435 |
| Efficiency ratio | 58.0260% | 3,194 |
| Assets per employee ($millions) | 8.6363% | 1,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2239% | 2,429 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 72.8900% | 1,332 |
| Net loans and leases to deposits | 80.7808% | 1,761 |
| Net loans and leases to core deposits | 89.0224% | 1,676 |
| Total domestic deposits to total assets | 90.2400% | 1,070 |
| Equity capital to assets | 9.4134% | 2,219 |
| Core capital (leverage) ratio | 11.6551% | 1,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $312,382,500 | 2,399 |
| Average earning assets | $298,214,500 | 2,356 |
| Average equity | $28,643,500 | 2,350 |
| Average total loans | $226,671,500 | 2,131 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2062% | 1,230 |
| Cost of funding earning assets | 0.5593% | 1,066 |
| Net interest margin | 3.6468% | 1,498 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 2.0959% | 3,303 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.3431% | 1,302 |
| Return on assets (ROA) | 1.3470% | 1,247 |
| Pretax return on assets | 1.6994% | 916 |
| Return on Equity (ROE) | 13.8000% | 1,575 |
| Retained earnings to average equity (ytd only) | 10.5677% | 989 |
| Net charge-offs to loans | 0.0009% | 2,550 |
| Credit loss provision to net charge-offs | 3,000.0000% | 190 |
| Earnings coverage of net charge-offs (x) | 2,581.0000% | 60 |
| Efficiency ratio | 55.0074% | 3,682 |
| Assets per employee ($millions) | 8.7183% | 1,010 |
| Cash dividends to net income (ytd only)* | 23.4221% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1107% | 2,847 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 70.5500% | 1,578 |
| Net loans and leases to deposits | 79.3094% | 1,821 |
| Net loans and leases to core deposits | 86.3960% | 1,721 |
| Total domestic deposits to total assets | 88.9500% | 1,734 |
| Equity capital to assets | 8.9276% | 2,403 |
| Core capital (leverage) ratio | 11.5493% | 1,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $301,110,400 | 2,447 |
| Average earning assets | $288,386,000 | 2,399 |
| Average equity | $29,391,400 | 2,361 |
| Average total loans | $210,933,000 | 2,161 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0005% | 1,265 |
| Cost of funding earning assets | 0.5329% | 628 |
| Net interest margin | 3.4676% | 1,753 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 2.1441% | 3,091 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.1551% | 1,877 |
| Return on assets (ROA) | 1.1604% | 1,828 |
| Pretax return on assets | 1.4786% | 1,472 |
| Return on Equity (ROE) | 11.6300% | 2,159 |
| Retained earnings to average equity (ytd only) | 9.4972% | 1,486 |
| Net charge-offs to loans | 0.0006% | 2,316 |
| Credit loss provision to net charge-offs | 6,000.0000% | 90 |
| Earnings coverage of net charge-offs (x) | 3,349.0000% | 35 |
| Efficiency ratio | 58.8575% | 3,273 |
| Assets per employee ($millions) | 8.3769% | 1,129 |
| Cash dividends to net income (ytd only)* | 18.3185% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1290% | 2,888 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 72.2500% | 1,265 |
| Net loans and leases to deposits | 81.2259% | 1,506 |
| Net loans and leases to core deposits | 88.0076% | 1,412 |
| Total domestic deposits to total assets | 88.9500% | 2,114 |
| Equity capital to assets | 8.6965% | 2,408 |
| Core capital (leverage) ratio | 11.3207% | 1,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $297,923,500 | 2,481 |
| Average earning assets | $285,492,000 | 2,432 |
| Average equity | $29,734,250 | 2,381 |
| Average total loans | $207,689,500 | 2,186 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8582% | 1,193 |
| Cost of funding earning assets | 0.5042% | 504 |
| Net interest margin | 3.3539% | 1,744 |
| Noninterest income to average assets | 0.3107% | 3,299 |
| Noninterest expense to average assets | 2.1267% | 3,074 |
| Loan and lease loss provision to assets | 0.0404% | 1,858 |
| Net operating income to assets | 1.0685% | 1,905 |
| Return on assets (ROA) | 1.0765% | 1,849 |
| Pretax return on assets | 1.3683% | 1,523 |
| Return on Equity (ROE) | 10.3353% | 2,212 |
| Retained earnings to average equity (ytd only) | 7.2613% | 1,891 |
| Net charge-offs to loans | -0.0010% | 3,038 |
| Credit loss provision to net charge-offs | -6,000.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3250% | 3,257 |
| Assets per employee ($millions) | 8.2116% | 1,198 |
| Cash dividends to net income (ytd only)* | 29.7433% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1578% | 2,894 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 71.9054% | 1,111 |
| Net loans and leases to deposits | 80.4813% | 1,349 |
| Net loans and leases to core deposits | 87.3462% | 1,252 |
| Total domestic deposits to total assets | 89.3443% | 2,028 |
| Equity capital to assets | 9.5753% | 1,953 |
| Core capital (leverage) ratio | 11.4348% | 1,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $296,708,667 | 2,498 |
| Average earning assets | $284,383,667 | 2,466 |
| Average equity | $30,903,667 | 2,379 |
| Average total loans | $203,464,333 | 2,212 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7294% | 1,222 |
| Cost of funding earning assets | 0.5023% | 488 |
| Net interest margin | 3.2271% | 1,797 |
| Noninterest income to average assets | 0.2866% | 3,411 |
| Noninterest expense to average assets | 2.0871% | 3,191 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0187% | 1,796 |
| Return on assets (ROA) | 1.0187% | 1,788 |
| Pretax return on assets | 1.2945% | 1,525 |
| Return on Equity (ROE) | 9.4030% | 2,182 |
| Retained earnings to average equity (ytd only) | 9.4030% | 1,164 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7191% | 3,300 |
| Assets per employee ($millions) | 8.2509% | 1,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2018% | 2,850 |
| Loan loss allowance to noncurrent loans | 8,996.2963% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.0091% | 3,981 |
| Noncurrent loans to loans | 0.0134% | 3,917 |
| Net loans and leases to total assets | 67.2280% | 1,290 |
| Net loans and leases to deposits | 75.2777% | 1,506 |
| Net loans and leases to core deposits | 81.0437% | 1,420 |
| Total domestic deposits to total assets | 89.3066% | 1,921 |
| Equity capital to assets | 10.2961% | 1,688 |
| Core capital (leverage) ratio | 11.4102% | 1,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $297,255,000 | 2,507 |
| Average earning assets | $285,089,000 | 2,481 |
| Average equity | $32,202,500 | 2,378 |
| Average total loans | $197,669,500 | 2,244 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8937% | 1,629 |
| Cost of funding earning assets | 0.5817% | 598 |
| Net interest margin | 3.3120% | 2,281 |
| Noninterest income to average assets | 0.9457% | 1,099 |
| Noninterest expense to average assets | 2.1633% | 3,193 |
| Loan and lease loss provision to assets | 0.1159% | 1,083 |
| Net operating income to assets | 1.4300% | 1,181 |
| Return on assets (ROA) | 1.5072% | 1,041 |
| Pretax return on assets | 1.9307% | 683 |
| Return on Equity (ROE) | 12.6882% | 1,575 |
| Retained earnings to average equity (ytd only) | 8.3337% | 1,413 |
| Net charge-offs to loans | 0.0077% | 2,293 |
| Credit loss provision to net charge-offs | 2,321.4286% | 281 |
| Earnings coverage of net charge-offs (x) | 390.2143% | 335 |
| Efficiency ratio | 52.6069% | 4,075 |
| Assets per employee ($millions) | 8.2632% | 1,190 |
| Cash dividends to net income (ytd only)* | 34.3195% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2571% | 2,587 |
| Loan loss allowance to noncurrent loans | 8,996.2963% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.0091% | 4,061 |
| Noncurrent loans to loans | 0.0140% | 3,990 |
| Net loans and leases to total assets | 64.1366% | 1,686 |
| Net loans and leases to deposits | 72.6035% | 1,855 |
| Net loans and leases to core deposits | 77.5964% | 1,793 |
| Total domestic deposits to total assets | 88.3382% | 1,856 |
| Equity capital to assets | 11.3697% | 1,570 |
| Core capital (leverage) ratio | 11.3014% | 1,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $280,312,800 | 2,534 |
| Average earning assets | $267,997,600 | 2,501 |
| Average equity | $33,298,600 | 2,371 |
| Average total loans | $181,527,800 | 2,375 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7808% | 2,056 |
| Cost of funding earning assets | 0.5962% | 650 |
| Net interest margin | 3.1845% | 2,775 |
| Noninterest income to average assets | 1.1390% | 878 |
| Noninterest expense to average assets | 2.1795% | 3,140 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5537% | 1,138 |
| Return on assets (ROA) | 1.6583% | 949 |
| Pretax return on assets | 2.1336% | 635 |
| Return on Equity (ROE) | 13.8002% | 1,450 |
| Retained earnings to average equity (ytd only) | 11.8908% | 852 |
| Net charge-offs to loans | 0.0052% | 2,142 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 591.8571% | 257 |
| Efficiency ratio | 52.1317% | 4,017 |
| Assets per employee ($millions) | 7.9412% | 1,300 |
| Cash dividends to net income (ytd only)* | 13.8363% | 2,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1712% | 3,115 |
| Loan loss allowance to noncurrent loans | 6,208.8235% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.0119% | 4,145 |
| Noncurrent loans to loans | 0.0189% | 4,059 |
| Net loans and leases to total assets | 62.3092% | 1,975 |
| Net loans and leases to deposits | 71.2993% | 2,123 |
| Net loans and leases to core deposits | 76.6116% | 1,991 |
| Total domestic deposits to total assets | 87.3910% | 2,166 |
| Equity capital to assets | 12.0514% | 1,376 |
| Core capital (leverage) ratio | 11.7038% | 1,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $276,022,000 | 2,584 |
| Average earning assets | $263,644,500 | 2,547 |
| Average equity | $33,167,750 | 2,410 |
| Average total loans | $178,604,750 | 2,433 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8455% | 1,956 |
| Cost of funding earning assets | 0.6134% | 697 |
| Net interest margin | 3.2321% | 2,658 |
| Noninterest income to average assets | 0.9232% | 1,209 |
| Noninterest expense to average assets | 2.2168% | 3,029 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3830% | 1,615 |
| Return on assets (ROA) | 1.4630% | 1,454 |
| Pretax return on assets | 1.8795% | 1,059 |
| Return on Equity (ROE) | 12.1872% | 1,984 |
| Retained earnings to average equity (ytd only) | 9.2855% | 1,627 |
| Net charge-offs to loans | 0.0146% | 1,657 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 186.5385% | 517 |
| Efficiency ratio | 55.4883% | 3,604 |
| Assets per employee ($millions) | 7.7604% | 1,323 |
| Cash dividends to net income (ytd only)* | 23.8095% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1713% | 3,092 |
| Loan loss allowance to noncurrent loans | 5,847.2222% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.0129% | 4,208 |
| Noncurrent loans to loans | 0.0200% | 4,120 |
| Net loans and leases to total assets | 63.5715% | 1,997 |
| Net loans and leases to deposits | 72.5651% | 2,158 |
| Net loans and leases to core deposits | 78.0172% | 2,044 |
| Total domestic deposits to total assets | 87.6063% | 2,035 |
| Equity capital to assets | 11.9216% | 1,404 |
| Core capital (leverage) ratio | 11.3203% | 1,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $272,734,667 | 2,589 |
| Average earning assets | $259,211,333 | 2,560 |
| Average equity | $32,739,333 | 2,418 |
| Average total loans | $178,058,667 | 2,448 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8618% | 1,930 |
| Cost of funding earning assets | 0.6324% | 753 |
| Net interest margin | 3.2293% | 2,608 |
| Noninterest income to average assets | 0.3430% | 3,380 |
| Noninterest expense to average assets | 2.1602% | 3,232 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9858% | 2,853 |
| Return on assets (ROA) | 0.9858% | 2,950 |
| Pretax return on assets | 1.2457% | 2,713 |
| Return on Equity (ROE) | 8.1834% | 3,275 |
| Retained earnings to average equity (ytd only) | 8.1834% | 2,181 |
| Net charge-offs to loans | -0.0090% | 3,631 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4263% | 2,541 |
| Assets per employee ($millions) | 7.5905% | 1,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1554% | 3,169 |
| Loan loss allowance to noncurrent loans | 832.1569% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.0933% | 3,722 |
| Noncurrent loans to loans | 0.1388% | 3,626 |
| Net loans and leases to total assets | 66.4347% | 1,740 |
| Net loans and leases to deposits | 75.7169% | 1,942 |
| Net loans and leases to core deposits | 81.1336% | 1,896 |
| Total domestic deposits to total assets | 87.7409% | 1,985 |
| Equity capital to assets | 11.8800% | 1,344 |
| Core capital (leverage) ratio | 11.5433% | 1,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $269,414,500 | 2,600 |
| Average earning assets | $255,531,500 | 2,569 |
| Average equity | $32,456,000 | 2,418 |
| Average total loans | $177,234,000 | 2,458 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2150% | 2,091 |
| Cost of funding earning assets | 0.8043% | 1,190 |
| Net interest margin | 3.4108% | 2,743 |
| Noninterest income to average assets | 0.3409% | 3,421 |
| Noninterest expense to average assets | 2.3702% | 3,207 |
| Loan and lease loss provision to assets | 0.0559% | 3,669 |
| Net operating income to assets | 0.9347% | 2,543 |
| Return on assets (ROA) | 0.9347% | 2,689 |
| Pretax return on assets | 1.1230% | 2,610 |
| Return on Equity (ROE) | 7.4917% | 3,002 |
| Retained earnings to average equity (ytd only) | 4.4489% | 2,566 |
| Net charge-offs to loans | 0.0059% | 3,136 |
| Credit loss provision to net charge-offs | 1,555.5556% | 535 |
| Earnings coverage of net charge-offs (x) | 327.7778% | 326 |
| Efficiency ratio | 66.7830% | 2,393 |
| Assets per employee ($millions) | 7.3770% | 1,350 |
| Cash dividends to net income (ytd only)* | 40.6156% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2400% | 2,747 |
| Loan loss allowance to noncurrent loans | 5,430.7692% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.2481% | 3,046 |
| Noncurrent loans to loans | 0.0228% | 4,242 |
| Net loans and leases to total assets | 63.5197% | 2,430 |
| Net loans and leases to deposits | 72.7297% | 2,614 |
| Net loans and leases to core deposits | 77.8414% | 2,563 |
| Total domestic deposits to total assets | 87.3367% | 1,768 |
| Equity capital to assets | 12.2186% | 1,471 |
| Core capital (leverage) ratio | 11.4587% | 1,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $250,228,200 | 2,578 |
| Average earning assets | $235,371,600 | 2,553 |
| Average equity | $31,221,400 | 2,417 |
| Average total loans | $152,515,400 | 2,642 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2254% | 2,321 |
| Cost of funding earning assets | 0.8410% | 1,306 |
| Net interest margin | 3.3843% | 2,966 |
| Noninterest income to average assets | 0.2538% | 3,955 |
| Noninterest expense to average assets | 2.4248% | 3,066 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.8425% | 2,941 |
| Return on assets (ROA) | 0.8425% | 3,068 |
| Pretax return on assets | 1.0060% | 3,051 |
| Return on Equity (ROE) | 6.7151% | 3,307 |
| Retained earnings to average equity (ytd only) | 4.6665% | 2,710 |
| Net charge-offs to loans | 0.0063% | 2,905 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 265.5714% | 399 |
| Efficiency ratio | 70.6782% | 1,796 |
| Assets per employee ($millions) | 7.1490% | 1,400 |
| Cash dividends to net income (ytd only)* | 30.5074% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1516% | 2,934 |
| Loan loss allowance to noncurrent loans | 2,911.7647% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.2673% | 3,102 |
| Noncurrent loans to loans | 0.0396% | 4,231 |
| Net loans and leases to total assets | 66.0346% | 2,515 |
| Net loans and leases to deposits | 76.3467% | 2,715 |
| Net loans and leases to core deposits | 81.8350% | 2,675 |
| Total domestic deposits to total assets | 86.4931% | 1,866 |
| Equity capital to assets | 12.5095% | 1,424 |
| Core capital (leverage) ratio | 11.7850% | 1,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $246,392,500 | 2,585 |
| Average earning assets | $231,296,250 | 2,568 |
| Average equity | $30,914,500 | 2,426 |
| Average total loans | $147,942,250 | 2,685 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3835% | 2,251 |
| Cost of funding earning assets | 0.8958% | 1,397 |
| Net interest margin | 3.4877% | 2,828 |
| Noninterest income to average assets | 0.2175% | 4,183 |
| Noninterest expense to average assets | 2.4694% | 3,049 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.8363% | 2,913 |
| Return on assets (ROA) | 0.8363% | 3,032 |
| Pretax return on assets | 0.9945% | 3,048 |
| Return on Equity (ROE) | 6.6584% | 3,266 |
| Retained earnings to average equity (ytd only) | 3.5424% | 3,155 |
| Net charge-offs to loans | 0.0014% | 2,974 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 1,207.0000% | 70 |
| Efficiency ratio | 71.2892% | 1,785 |
| Assets per employee ($millions) | 7.1887% | 1,338 |
| Cash dividends to net income (ytd only)* | 46.7980% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3089% | 1,959 |
| Loan loss allowance to noncurrent loans | 2,482.5000% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.2898% | 3,158 |
| Noncurrent loans to loans | 0.0527% | 4,275 |
| Net loans and leases to total assets | 57.8635% | 3,528 |
| Net loans and leases to deposits | 66.2883% | 3,695 |
| Net loans and leases to core deposits | 71.0711% | 3,641 |
| Total domestic deposits to total assets | 87.2906% | 1,501 |
| Equity capital to assets | 12.1569% | 1,566 |
| Core capital (leverage) ratio | 11.6821% | 1,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $242,735,000 | 2,590 |
| Average earning assets | $225,936,667 | 2,582 |
| Average equity | $30,487,667 | 2,439 |
| Average total loans | $139,946,333 | 2,748 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5772% | 2,072 |
| Cost of funding earning assets | 0.9837% | 1,493 |
| Net interest margin | 3.5936% | 2,687 |
| Noninterest income to average assets | 0.1193% | 4,757 |
| Noninterest expense to average assets | 2.5428% | 3,152 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8146% | 2,860 |
| Return on assets (ROA) | 0.8146% | 2,949 |
| Pretax return on assets | 0.9697% | 2,937 |
| Return on Equity (ROE) | 6.3731% | 3,187 |
| Retained earnings to average equity (ytd only) | 6.3731% | 1,759 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3920% | 2,022 |
| Assets per employee ($millions) | 6.5295% | 1,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4551% | 1,515 |
| Loan loss allowance to noncurrent loans | 2,069.7917% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.3642% | 2,985 |
| Noncurrent loans to loans | 0.0703% | 4,245 |
| Net loans and leases to total assets | 57.2474% | 3,731 |
| Net loans and leases to deposits | 66.1149% | 3,858 |
| Net loans and leases to core deposits | 71.4175% | 3,787 |
| Total domestic deposits to total assets | 86.5878% | 1,740 |
| Equity capital to assets | 12.9417% | 1,452 |
| Core capital (leverage) ratio | 12.2332% | 1,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $234,706,500 | 2,603 |
| Average earning assets | $221,618,500 | 2,559 |
| Average equity | $30,001,000 | 2,452 |
| Average total loans | $134,053,500 | 2,794 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4949% | 2,962 |
| Cost of funding earning assets | 0.9485% | 1,967 |
| Net interest margin | 3.5465% | 3,298 |
| Noninterest income to average assets | 0.3364% | 3,696 |
| Noninterest expense to average assets | 2.5904% | 3,205 |
| Loan and lease loss provision to assets | 0.0067% | 3,870 |
| Net operating income to assets | 0.9379% | 3,066 |
| Return on assets (ROA) | 0.9483% | 3,106 |
| Pretax return on assets | 1.0876% | 3,206 |
| Return on Equity (ROE) | 7.3898% | 3,410 |
| Retained earnings to average equity (ytd only) | 3.0551% | 3,499 |
| Net charge-offs to loans | 0.0198% | 3,026 |
| Credit loss provision to net charge-offs | 60.0000% | 3,033 |
| Earnings coverage of net charge-offs (x) | 97.2800% | 694 |
| Efficiency ratio | 70.5319% | 2,094 |
| Assets per employee ($millions) | 6.5098% | 1,281 |
| Cash dividends to net income (ytd only)* | 58.6579% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5104% | 1,194 |
| Loan loss allowance to noncurrent loans | 2,685.1351% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.4826% | 2,480 |
| Noncurrent loans to loans | 0.0563% | 4,315 |
| Net loans and leases to total assets | 55.2872% | 3,971 |
| Net loans and leases to deposits | 63.5851% | 4,101 |
| Net loans and leases to core deposits | 68.4101% | 4,057 |
| Total domestic deposits to total assets | 86.9499% | 1,638 |
| Equity capital to assets | 12.6225% | 1,754 |
| Core capital (leverage) ratio | 12.3839% | 1,547 |
| Tier 1 risk-based capital ratio | 20.1732% | 1,303 |
| Total risk-based capital ratio | 21.4243% | 1,275 |
| Memoranda: | ||
| Average total assets | $224,716,200 | 2,622 |
| Average earning assets | $211,392,800 | 2,594 |
| Average equity | $28,837,200 | 2,455 |
| Average total loans | $126,295,200 | 2,863 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4436% | 3,227 |
| Cost of funding earning assets | 0.9250% | 2,117 |
| Net interest margin | 3.5186% | 3,512 |
| Noninterest income to average assets | 0.3335% | 3,746 |
| Noninterest expense to average assets | 2.6383% | 3,046 |
| Loan and lease loss provision to assets | 0.0066% | 3,750 |
| Net operating income to assets | 0.8688% | 3,457 |
| Return on assets (ROA) | 0.8828% | 3,485 |
| Pretax return on assets | 1.0106% | 3,559 |
| Return on Equity (ROE) | 6.8500% | 3,743 |
| Retained earnings to average equity (ytd only) | 4.6396% | 3,085 |
| Net charge-offs to loans | 0.0128% | 2,912 |
| Credit loss provision to net charge-offs | 91.6667% | 2,376 |
| Earnings coverage of net charge-offs (x) | 139.0800% | 573 |
| Efficiency ratio | 72.4951% | 1,764 |
| Assets per employee ($millions) | 6.3769% | 1,344 |
| Cash dividends to net income (ytd only)* | 32.2691% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4587% | 1,367 |
| Loan loss allowance to noncurrent loans | 1,919.2308% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.5057% | 2,504 |
| Noncurrent loans to loans | 0.0760% | 4,299 |
| Net loans and leases to total assets | 58.7358% | 3,803 |
| Net loans and leases to deposits | 68.0265% | 3,915 |
| Net loans and leases to core deposits | 73.2847% | 3,874 |
| Total domestic deposits to total assets | 86.3425% | 1,850 |
| Equity capital to assets | 12.9548% | 1,656 |
| Core capital (leverage) ratio | 12.7615% | 1,456 |
| Tier 1 risk-based capital ratio | 19.8560% | 1,385 |
| Total risk-based capital ratio | 21.1070% | 1,353 |
| Memoranda: | ||
| Average total assets | $222,307,500 | 2,662 |
| Average earning assets | $208,863,000 | 2,638 |
| Average equity | $28,651,250 | 2,484 |
| Average total loans | $124,980,750 | 2,910 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3893% | 3,365 |
| Cost of funding earning assets | 0.8974% | 2,158 |
| Net interest margin | 3.4918% | 3,621 |
| Noninterest income to average assets | 0.3647% | 3,494 |
| Noninterest expense to average assets | 2.6714% | 3,001 |
| Loan and lease loss provision to assets | 0.0073% | 3,583 |
| Net operating income to assets | 0.8541% | 3,458 |
| Return on assets (ROA) | 0.8541% | 3,516 |
| Pretax return on assets | 0.9596% | 3,679 |
| Return on Equity (ROE) | 6.6388% | 3,822 |
| Retained earnings to average equity (ytd only) | 3.2805% | 3,583 |
| Net charge-offs to loans | -0.0033% | 4,046 |
| Credit loss provision to net charge-offs | -400.0000% | 4,093 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4250% | 1,712 |
| Assets per employee ($millions) | 6.2869% | 1,343 |
| Cash dividends to net income (ytd only)* | 50.5857% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5744% | 1,088 |
| Loan loss allowance to noncurrent loans | 1,338.0000% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.5620% | 2,334 |
| Noncurrent loans to loans | 0.1177% | 4,148 |
| Net loans and leases to total assets | 55.4368% | 4,111 |
| Net loans and leases to deposits | 63.9934% | 4,228 |
| Net loans and leases to core deposits | 67.9759% | 4,203 |
| Total domestic deposits to total assets | 86.6288% | 1,760 |
| Equity capital to assets | 12.8613% | 1,655 |
| Core capital (leverage) ratio | 12.6428% | 1,465 |
| Tier 1 risk-based capital ratio | 20.1645% | 1,318 |
| Total risk-based capital ratio | 21.4164% | 1,290 |
| Memoranda: | ||
| Average total assets | $219,887,670 | 2,693 |
| Average earning assets | $206,140,000 | 2,674 |
| Average equity | $28,288,330 | 2,498 |
| Average total loans | $121,029,670 | 2,976 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3634% | 3,363 |
| Cost of funding earning assets | 0.8447% | 2,297 |
| Net interest margin | 3.5188% | 3,543 |
| Noninterest income to average assets | 0.3452% | 3,551 |
| Noninterest expense to average assets | 2.6677% | 3,004 |
| Loan and lease loss provision to assets | 0.0074% | 3,338 |
| Net operating income to assets | 0.8677% | 3,365 |
| Return on assets (ROA) | 0.8677% | 3,412 |
| Pretax return on assets | 0.9618% | 3,579 |
| Return on Equity (ROE) | 6.7437% | 3,757 |
| Retained earnings to average equity (ytd only) | 6.7437% | 2,138 |
| Net charge-offs to loans | 0.0068% | 2,451 |
| Credit loss provision to net charge-offs | 200.0000% | 1,050 |
| Earnings coverage of net charge-offs (x) | 262.5000% | 303 |
| Efficiency ratio | 73.3503% | 1,835 |
| Assets per employee ($millions) | 6.1704% | 1,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6527% | 957 |
| Loan loss allowance to noncurrent loans | 1,197.0060% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.5803% | 2,333 |
| Noncurrent loans to loans | 0.1381% | 4,118 |
| Net loans and leases to total assets | 53.5501% | 4,233 |
| Net loans and leases to deposits | 61.6962% | 4,321 |
| Net loans and leases to core deposits | 65.1846% | 4,316 |
| Total domestic deposits to total assets | 86.7964% | 1,914 |
| Equity capital to assets | 12.8093% | 1,561 |
| Core capital (leverage) ratio | 13.1509% | 1,202 |
| Tier 1 risk-based capital ratio | 20.6008% | 1,230 |
| Total risk-based capital ratio | 21.8528% | 1,206 |
| Memoranda: | ||
| Average total assets | $216,666,500 | 2,747 |
| Average earning assets | $202,684,000 | 2,737 |
| Average equity | $27,878,000 | 2,525 |
| Average total loans | $117,806,000 | 3,045 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2566% | 3,250 |
| Cost of funding earning assets | 0.6693% | 2,271 |
| Net interest margin | 3.5874% | 3,425 |
| Noninterest income to average assets | 0.3653% | 3,653 |
| Noninterest expense to average assets | 2.7839% | 2,737 |
| Loan and lease loss provision to assets | 0.0072% | 3,978 |
| Net operating income to assets | 0.8478% | 3,615 |
| Return on assets (ROA) | 0.8478% | 3,612 |
| Pretax return on assets | 0.9114% | 3,865 |
| Return on Equity (ROE) | 6.8851% | 3,864 |
| Retained earnings to average equity (ytd only) | 4.1668% | 3,265 |
| Net charge-offs to loans | 0.0159% | 3,152 |
| Credit loss provision to net charge-offs | 88.2353% | 2,745 |
| Earnings coverage of net charge-offs (x) | 113.0000% | 677 |
| Efficiency ratio | 75.1905% | 1,468 |
| Assets per employee ($millions) | 5.8666% | 1,617 |
| Cash dividends to net income (ytd only)* | 39.4811% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7417% | 773 |
| Loan loss allowance to noncurrent loans | 1,174.7059% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.6118% | 2,211 |
| Noncurrent loans to loans | 0.1483% | 4,078 |
| Net loans and leases to total assets | 53.3445% | 4,327 |
| Net loans and leases to deposits | 61.5286% | 4,403 |
| Net loans and leases to core deposits | 65.8407% | 4,368 |
| Total domestic deposits to total assets | 86.6987% | 1,916 |
| Equity capital to assets | 12.9273% | 1,385 |
| Core capital (leverage) ratio | 13.3299% | 1,137 |
| Tier 1 risk-based capital ratio | 20.5014% | 1,226 |
| Total risk-based capital ratio | 21.7534% | 1,200 |
| Memoranda: | ||
| Average total assets | $209,128,600 | 2,776 |
| Average earning assets | $194,544,000 | 2,772 |
| Average equity | $25,751,400 | 2,585 |
| Average total loans | $106,816,400 | 3,191 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1827% | 3,375 |
| Cost of funding earning assets | 0.6518% | 2,143 |
| Net interest margin | 3.5309% | 3,590 |
| Noninterest income to average assets | 0.3579% | 3,738 |
| Noninterest expense to average assets | 2.8045% | 2,621 |
| Loan and lease loss provision to assets | 0.0070% | 3,834 |
| Net operating income to assets | 0.7861% | 3,951 |
| Return on assets (ROA) | 0.7861% | 3,963 |
| Pretax return on assets | 0.8321% | 4,218 |
| Return on Equity (ROE) | 6.4658% | 4,118 |
| Retained earnings to average equity (ytd only) | 4.6259% | 3,437 |
| Net charge-offs to loans | 0.0229% | 2,681 |
| Credit loss provision to net charge-offs | 61.1111% | 2,738 |
| Earnings coverage of net charge-offs (x) | 72.9425% | 931 |
| Efficiency ratio | 76.9690% | 1,233 |
| Assets per employee ($millions) | 5.6587% | 1,767 |
| Cash dividends to net income (ytd only)* | 28.4556% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8265% | 685 |
| Loan loss allowance to noncurrent loans | 102.9990% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 1.5051% | 848 |
| Noncurrent loans to loans | 1.7734% | 871 |
| Net loans and leases to total assets | 52.5575% | 4,455 |
| Net loans and leases to deposits | 60.9655% | 4,501 |
| Net loans and leases to core deposits | 65.4380% | 4,434 |
| Total domestic deposits to total assets | 86.2086% | 2,095 |
| Equity capital to assets | 12.2829% | 1,713 |
| Core capital (leverage) ratio | 13.4102% | 1,135 |
| Tier 1 risk-based capital ratio | 21.0270% | 1,181 |
| Total risk-based capital ratio | 22.2795% | 1,160 |
| Memoranda: | ||
| Average total assets | $208,611,500 | 2,804 |
| Average earning assets | $194,129,750 | 2,793 |
| Average equity | $25,363,750 | 2,629 |
| Average total loans | $104,855,750 | 3,245 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1388% | 3,322 |
| Cost of funding earning assets | 0.6383% | 1,996 |
| Net interest margin | 3.5005% | 3,621 |
| Noninterest income to average assets | 0.3748% | 3,649 |
| Noninterest expense to average assets | 2.7891% | 2,692 |
| Loan and lease loss provision to assets | 0.0067% | 3,704 |
| Net operating income to assets | 0.7810% | 3,921 |
| Return on assets (ROA) | 0.7810% | 3,919 |
| Pretax return on assets | 0.8238% | 4,184 |
| Return on Equity (ROE) | 6.4449% | 4,078 |
| Retained earnings to average equity (ytd only) | 3.6974% | 3,749 |
| Net charge-offs to loans | 0.0329% | 2,195 |
| Credit loss provision to net charge-offs | 41.1765% | 2,554 |
| Earnings coverage of net charge-offs (x) | 51.3529% | 1,108 |
| Efficiency ratio | 77.0565% | 1,307 |
| Assets per employee ($millions) | 5.8136% | 1,627 |
| Cash dividends to net income (ytd only)* | 42.6309% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9021% | 628 |
| Loan loss allowance to noncurrent loans | 107.3974% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 1.4258% | 958 |
| Noncurrent loans to loans | 1.7710% | 885 |
| Net loans and leases to total assets | 49.0145% | 4,658 |
| Net loans and leases to deposits | 56.5492% | 4,720 |
| Net loans and leases to core deposits | 60.7594% | 4,666 |
| Total domestic deposits to total assets | 86.6758% | 1,981 |
| Equity capital to assets | 12.0317% | 1,835 |
| Core capital (leverage) ratio | 13.1369% | 1,176 |
| Tier 1 risk-based capital ratio | 21.1298% | 1,151 |
| Total risk-based capital ratio | 22.3827% | 1,125 |
| Memoranda: | ||
| Average total assets | $210,244,000 | 2,808 |
| Average earning assets | $194,887,000 | 2,802 |
| Average equity | $25,477,670 | 2,633 |
| Average total loans | $103,454,670 | 3,275 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0671% | 3,345 |
| Cost of funding earning assets | 0.6241% | 1,889 |
| Net interest margin | 3.4430% | 3,731 |
| Noninterest income to average assets | 0.3550% | 3,774 |
| Noninterest expense to average assets | 2.7866% | 2,745 |
| Loan and lease loss provision to assets | 0.0076% | 3,412 |
| Net operating income to assets | 0.7251% | 4,002 |
| Return on assets (ROA) | 0.7251% | 4,011 |
| Pretax return on assets | 0.7441% | 4,314 |
| Return on Equity (ROE) | 5.9627% | 4,169 |
| Retained earnings to average equity (ytd only) | 5.9627% | 2,725 |
| Net charge-offs to loans | 0.0816% | 1,318 |
| Credit loss provision to net charge-offs | 19.0476% | 2,128 |
| Earnings coverage of net charge-offs (x) | 18.8571% | 1,523 |
| Efficiency ratio | 78.7554% | 1,288 |
| Assets per employee ($millions) | 5.7920% | 1,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9341% | 622 |
| Loan loss allowance to noncurrent loans | 106.9040% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 1.4321% | 998 |
| Noncurrent loans to loans | 1.8092% | 919 |
| Net loans and leases to total assets | 48.1972% | 4,684 |
| Net loans and leases to deposits | 55.6111% | 4,716 |
| Net loans and leases to core deposits | 59.6174% | 4,674 |
| Total domestic deposits to total assets | 86.6684% | 2,249 |
| Equity capital to assets | 12.1868% | 1,669 |
| Core capital (leverage) ratio | 12.7316% | 1,279 |
| Tier 1 risk-based capital ratio | 21.5613% | 1,114 |
| Total risk-based capital ratio | 22.8146% | 1,088 |
| Memoranda: | ||
| Average total assets | $210,721,500 | 2,839 |
| Average earning assets | $194,832,500 | 2,829 |
| Average equity | $25,626,000 | 2,644 |
| Average total loans | $102,896,500 | 3,308 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0902% | 3,091 |
| Cost of funding earning assets | 0.5940% | 1,635 |
| Net interest margin | 3.4962% | 3,546 |
| Noninterest income to average assets | 0.3926% | 3,689 |
| Noninterest expense to average assets | 2.7994% | 2,782 |
| Loan and lease loss provision to assets | 0.0072% | 4,120 |
| Net operating income to assets | 0.7045% | 3,584 |
| Return on assets (ROA) | 0.7045% | 3,637 |
| Pretax return on assets | 0.8147% | 4,209 |
| Return on Equity (ROE) | 5.5955% | 3,922 |
| Retained earnings to average equity (ytd only) | 0.7653% | 4,737 |
| Net charge-offs to loans | 0.1107% | 1,958 |
| Credit loss provision to net charge-offs | 13.7615% | 3,646 |
| Earnings coverage of net charge-offs (x) | 15.8073% | 2,218 |
| Efficiency ratio | 77.3051% | 1,447 |
| Assets per employee ($millions) | 5.9148% | 1,580 |
| Cash dividends to net income (ytd only)* | 86.3236% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9349% | 605 |
| Loan loss allowance to noncurrent loans | 109.0562% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 1.3925% | 1,013 |
| Noncurrent loans to loans | 1.7742% | 904 |
| Net loans and leases to total assets | 47.5811% | 4,800 |
| Net loans and leases to deposits | 54.8621% | 4,855 |
| Net loans and leases to core deposits | 58.6049% | 4,823 |
| Total domestic deposits to total assets | 86.7286% | 2,128 |
| Equity capital to assets | 12.1359% | 1,737 |
| Core capital (leverage) ratio | 12.7535% | 1,236 |
| Tier 1 risk-based capital ratio | 20.6919% | 1,197 |
| Total risk-based capital ratio | 21.9449% | 1,173 |
| Memoranda: | ||
| Average total assets | $209,651,200 | 2,827 |
| Average earning assets | $193,608,000 | 2,826 |
| Average equity | $26,396,400 | 2,585 |
| Average total loans | $98,442,000 | 3,377 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0519% | 3,169 |
| Cost of funding earning assets | 0.5908% | 1,596 |
| Net interest margin | 3.4611% | 3,633 |
| Noninterest income to average assets | 0.4003% | 3,682 |
| Noninterest expense to average assets | 2.8188% | 2,664 |
| Loan and lease loss provision to assets | 0.0070% | 3,986 |
| Net operating income to assets | 0.7163% | 3,892 |
| Return on assets (ROA) | 0.7163% | 3,952 |
| Pretax return on assets | 0.7802% | 4,401 |
| Return on Equity (ROE) | 5.6376% | 4,273 |
| Retained earnings to average equity (ytd only) | 3.8790% | 3,612 |
| Net charge-offs to loans | 0.0096% | 3,387 |
| Credit loss provision to net charge-offs | 157.1429% | 1,624 |
| Earnings coverage of net charge-offs (x) | 176.2015% | 483 |
| Efficiency ratio | 78.1693% | 1,313 |
| Assets per employee ($millions) | 5.6361% | 1,797 |
| Cash dividends to net income (ytd only)* | 31.1947% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1172% | 473 |
| Loan loss allowance to noncurrent loans | 98.6359% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 1.5071% | 1,010 |
| Noncurrent loans to loans | 2.1465% | 764 |
| Net loans and leases to total assets | 47.7814% | 4,842 |
| Net loans and leases to deposits | 56.0107% | 4,874 |
| Net loans and leases to core deposits | 60.2800% | 4,804 |
| Total domestic deposits to total assets | 85.3076% | 2,594 |
| Equity capital to assets | 13.3967% | 1,203 |
| Core capital (leverage) ratio | 13.3847% | 1,065 |
| Tier 1 risk-based capital ratio | 21.9636% | 1,046 |
| Total risk-based capital ratio | 23.2187% | 1,033 |
| Memoranda: | ||
| Average total assets | $208,831,250 | 2,854 |
| Average earning assets | $193,419,000 | 2,856 |
| Average equity | $26,535,250 | 2,591 |
| Average total loans | $97,224,000 | 3,422 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9576% | 3,356 |
| Cost of funding earning assets | 0.5895% | 1,516 |
| Net interest margin | 3.3681% | 3,884 |
| Noninterest income to average assets | 0.4032% | 3,673 |
| Noninterest expense to average assets | 2.7447% | 2,943 |
| Loan and lease loss provision to assets | 0.0076% | 3,777 |
| Net operating income to assets | 0.7002% | 3,853 |
| Return on assets (ROA) | 0.7002% | 3,913 |
| Pretax return on assets | 0.7571% | 4,415 |
| Return on Equity (ROE) | 5.6080% | 4,220 |
| Retained earnings to average equity (ytd only) | 2.9484% | 3,959 |
| Net charge-offs to loans | -0.0083% | 4,475 |
| Credit loss provision to net charge-offs | -200.0000% | 4,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2103% | 1,432 |
| Assets per employee ($millions) | 5.7261% | 1,674 |
| Cash dividends to net income (ytd only)* | 47.4255% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1223% | 491 |
| Loan loss allowance to noncurrent loans | 76.7128% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 1.8279% | 750 |
| Noncurrent loans to loans | 2.7665% | 509 |
| Net loans and leases to total assets | 47.0956% | 4,878 |
| Net loans and leases to deposits | 54.9119% | 4,916 |
| Net loans and leases to core deposits | 59.3414% | 4,860 |
| Total domestic deposits to total assets | 85.7658% | 2,494 |
| Equity capital to assets | 13.0485% | 1,351 |
| Core capital (leverage) ratio | 13.0208% | 1,171 |
| Tier 1 risk-based capital ratio | 22.0688% | 1,046 |
| Total risk-based capital ratio | 23.3250% | 1,025 |
| Memoranda: | ||
| Average total assets | $210,808,000 | 2,855 |
| Average earning assets | $194,411,000 | 2,862 |
| Average equity | $26,319,670 | 2,608 |
| Average total loans | $96,616,670 | 3,444 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9315% | 3,273 |
| Cost of funding earning assets | 0.5898% | 1,442 |
| Net interest margin | 3.3417% | 3,873 |
| Noninterest income to average assets | 0.3735% | 3,855 |
| Noninterest expense to average assets | 2.6912% | 3,180 |
| Loan and lease loss provision to assets | 0.0075% | 3,461 |
| Net operating income to assets | 0.6775% | 3,799 |
| Return on assets (ROA) | 0.6775% | 3,839 |
| Pretax return on assets | 0.7263% | 4,363 |
| Return on Equity (ROE) | 5.5473% | 4,120 |
| Retained earnings to average equity (ytd only) | 5.5473% | 2,571 |
| Net charge-offs to loans | -0.0252% | 4,852 |
| Credit loss provision to net charge-offs | -66.6667% | 3,893 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5753% | 1,552 |
| Assets per employee ($millions) | 5.8917% | 1,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2044% | 473 |
| Loan loss allowance to noncurrent loans | 91.2760% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 1.5691% | 996 |
| Noncurrent loans to loans | 2.4150% | 665 |
| Net loans and leases to total assets | 43.9880% | 5,040 |
| Net loans and leases to deposits | 50.8441% | 5,075 |
| Net loans and leases to core deposits | 54.8234% | 5,031 |
| Total domestic deposits to total assets | 86.5154% | 2,431 |
| Equity capital to assets | 12.4450% | 1,575 |
| Core capital (leverage) ratio | 12.6597% | 1,264 |
| Tier 1 risk-based capital ratio | 22.2855% | 1,055 |
| Total risk-based capital ratio | 23.5413% | 1,034 |
| Memoranda: | ||
| Average total assets | $213,143,000 | 2,847 |
| Average earning assets | $194,631,000 | 2,881 |
| Average equity | $26,030,500 | 2,635 |
| Average total loans | $95,331,500 | 3,491 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0689% | 2,957 |
| Cost of funding earning assets | 0.6383% | 1,119 |
| Net interest margin | 3.4306% | 3,711 |
| Noninterest income to average assets | 0.3598% | 4,164 |
| Noninterest expense to average assets | 2.8195% | 2,961 |
| Loan and lease loss provision to assets | 0.0225% | 3,922 |
| Net operating income to assets | 0.6493% | 4,004 |
| Return on assets (ROA) | 0.6493% | 4,119 |
| Pretax return on assets | 0.6873% | 4,533 |
| Return on Equity (ROE) | 5.1457% | 4,347 |
| Retained earnings to average equity (ytd only) | 2.5431% | 4,070 |
| Net charge-offs to loans | 0.4708% | 527 |
| Credit loss provision to net charge-offs | 11.1628% | 3,735 |
| Earnings coverage of net charge-offs (x) | 3.5186% | 3,651 |
| Efficiency ratio | 79.8883% | 1,434 |
| Assets per employee ($millions) | 5.9496% | 1,517 |
| Cash dividends to net income (ytd only)* | 50.5780% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1971% | 472 |
| Loan loss allowance to noncurrent loans | 95.5708% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 1.5006% | 1,108 |
| Noncurrent loans to loans | 2.2989% | 724 |
| Net loans and leases to total assets | 43.4988% | 5,147 |
| Net loans and leases to deposits | 50.0075% | 5,214 |
| Net loans and leases to core deposits | 53.8518% | 5,155 |
| Total domestic deposits to total assets | 86.9846% | 2,155 |
| Equity capital to assets | 11.9826% | 1,821 |
| Core capital (leverage) ratio | 12.2072% | 1,472 |
| Tier 1 risk-based capital ratio | 21.9944% | 1,082 |
| Total risk-based capital ratio | 23.2506% | 1,055 |
| Memoranda: | ||
| Average total assets | $213,155,200 | 2,821 |
| Average earning assets | $196,932,800 | 2,822 |
| Average equity | $26,896,400 | 2,578 |
| Average total loans | $91,330,400 | 3,551 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0960% | 2,891 |
| Cost of funding earning assets | 0.6532% | 1,044 |
| Net interest margin | 3.4428% | 3,696 |
| Noninterest income to average assets | 0.3864% | 4,017 |
| Noninterest expense to average assets | 2.9591% | 2,434 |
| Loan and lease loss provision to assets | 0.0276% | 3,688 |
| Net operating income to assets | 0.5849% | 4,349 |
| Return on assets (ROA) | 0.5849% | 4,468 |
| Pretax return on assets | 0.5849% | 4,914 |
| Return on Equity (ROE) | 4.5776% | 4,682 |
| Retained earnings to average equity (ytd only) | 2.8622% | 4,182 |
| Net charge-offs to loans | 0.5800% | 362 |
| Credit loss provision to net charge-offs | 11.1959% | 3,361 |
| Earnings coverage of net charge-offs (x) | 2.4885% | 3,561 |
| Efficiency ratio | 82.8511% | 1,090 |
| Assets per employee ($millions) | 5.7683% | 1,601 |
| Cash dividends to net income (ytd only)* | 37.4737% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2721% | 455 |
| Loan loss allowance to noncurrent loans | 93.8631% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 1.6132% | 1,080 |
| Noncurrent loans to loans | 2.4206% | 739 |
| Net loans and leases to total assets | 44.0354% | 5,187 |
| Net loans and leases to deposits | 51.4812% | 5,229 |
| Net loans and leases to core deposits | 55.9958% | 5,149 |
| Total domestic deposits to total assets | 85.5369% | 2,587 |
| Equity capital to assets | 13.3218% | 1,338 |
| Core capital (leverage) ratio | 12.7498% | 1,293 |
| Tier 1 risk-based capital ratio | 22.3094% | 1,091 |
| Total risk-based capital ratio | 23.5657% | 1,073 |
| Memoranda: | ||
| Average total assets | $212,897,750 | 2,840 |
| Average earning assets | $196,966,750 | 2,829 |
| Average equity | $27,204,250 | 2,575 |
| Average total loans | $90,347,750 | 3,585 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0760% | 2,967 |
| Cost of funding earning assets | 0.6614% | 984 |
| Net interest margin | 3.4147% | 3,834 |
| Noninterest income to average assets | 0.3764% | 4,053 |
| Noninterest expense to average assets | 2.9621% | 2,478 |
| Loan and lease loss provision to assets | 0.0289% | 3,551 |
| Net operating income to assets | 0.5460% | 4,498 |
| Return on assets (ROA) | 0.5460% | 4,607 |
| Pretax return on assets | 0.5460% | 5,035 |
| Return on Equity (ROE) | 4.3326% | 4,790 |
| Retained earnings to average equity (ytd only) | 1.7449% | 4,689 |
| Net charge-offs to loans | 0.8939% | 216 |
| Credit loss provision to net charge-offs | 7.7694% | 3,008 |
| Earnings coverage of net charge-offs (x) | 1.5464% | 3,396 |
| Efficiency ratio | 83.7460% | 1,073 |
| Assets per employee ($millions) | 5.8585% | 1,503 |
| Cash dividends to net income (ytd only)* | 59.7270% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3573% | 425 |
| Loan loss allowance to noncurrent loans | 90.0043% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 1.6244% | 1,128 |
| Noncurrent loans to loans | 2.6191% | 641 |
| Net loans and leases to total assets | 41.3812% | 5,362 |
| Net loans and leases to deposits | 48.2404% | 5,415 |
| Net loans and leases to core deposits | 52.3778% | 5,350 |
| Total domestic deposits to total assets | 85.7813% | 2,530 |
| Equity capital to assets | 13.1827% | 1,400 |
| Core capital (leverage) ratio | 12.2718% | 1,474 |
| Tier 1 risk-based capital ratio | 22.6007% | 1,066 |
| Total risk-based capital ratio | 23.8576% | 1,044 |
| Memoranda: | ||
| Average total assets | $214,643,670 | 2,835 |
| Average earning assets | $198,673,330 | 2,833 |
| Average equity | $27,051,000 | 2,589 |
| Average total loans | $89,273,670 | 3,628 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0087% | 3,198 |
| Cost of funding earning assets | 0.6604% | 994 |
| Net interest margin | 3.3482% | 4,050 |
| Noninterest income to average assets | 0.3547% | 4,191 |
| Noninterest expense to average assets | 2.9116% | 2,667 |
| Loan and lease loss provision to assets | 0.0499% | 2,925 |
| Net operating income to assets | 0.4840% | 4,695 |
| Return on assets (ROA) | 0.4840% | 4,792 |
| Pretax return on assets | 0.4840% | 5,129 |
| Return on Equity (ROE) | 3.9288% | 4,915 |
| Retained earnings to average equity (ytd only) | 3.9288% | 3,530 |
| Net charge-offs to loans | 1.7395% | 94 |
| Credit loss provision to net charge-offs | 6.9588% | 2,382 |
| Earnings coverage of net charge-offs (x) | 0.7448% | 2,898 |
| Efficiency ratio | 84.5040% | 1,111 |
| Assets per employee ($millions) | 6.0483% | 1,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3938% | 448 |
| Loan loss allowance to noncurrent loans | 92.5569% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 1.5473% | 1,302 |
| Noncurrent loans to loans | 2.5863% | 707 |
| Net loans and leases to total assets | 39.5875% | 5,474 |
| Net loans and leases to deposits | 45.6450% | 5,526 |
| Net loans and leases to core deposits | 49.3688% | 5,466 |
| Total domestic deposits to total assets | 86.7290% | 2,340 |
| Equity capital to assets | 12.4200% | 1,731 |
| Core capital (leverage) ratio | 12.2291% | 1,479 |
| Tier 1 risk-based capital ratio | 22.4347% | 1,099 |
| Total risk-based capital ratio | 23.6913% | 1,073 |
| Memoranda: | ||
| Average total assets | $216,513,000 | 2,816 |
| Average earning assets | $199,866,000 | 2,819 |
| Average equity | $26,675,000 | 2,616 |
| Average total loans | $89,219,500 | 3,635 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1694% | 2,668 |
| Cost of funding earning assets | 0.6728% | 946 |
| Net interest margin | 3.4966% | 3,536 |
| Noninterest income to average assets | 0.3077% | 4,685 |
| Noninterest expense to average assets | 2.8843% | 2,914 |
| Loan and lease loss provision to assets | 0.0434% | 3,459 |
| Net operating income to assets | 0.5952% | 4,292 |
| Return on assets (ROA) | 0.6034% | 4,352 |
| Pretax return on assets | 0.5942% | 4,856 |
| Return on Equity (ROE) | 4.7677% | 4,622 |
| Retained earnings to average equity (ytd only) | 2.0999% | 4,528 |
| Net charge-offs to loans | 1.1197% | 165 |
| Credit loss provision to net charge-offs | 9.3264% | 3,827 |
| Earnings coverage of net charge-offs (x) | 1.3523% | 4,103 |
| Efficiency ratio | 82.0865% | 1,400 |
| Assets per employee ($millions) | 5.9802% | 1,404 |
| Cash dividends to net income (ytd only)* | 55.9552% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7461% | 304 |
| Loan loss allowance to noncurrent loans | 67.4020% | 4,451 |
| Noncurrent assets plus other real estate owned to assets | 1.8640% | 997 |
| Noncurrent loans to loans | 4.0742% | 293 |
| Net loans and leases to total assets | 40.7143% | 5,479 |
| Net loans and leases to deposits | 46.8532% | 5,527 |
| Net loans and leases to core deposits | 50.4736% | 5,476 |
| Total domestic deposits to total assets | 86.8976% | 2,194 |
| Equity capital to assets | 12.2194% | 1,803 |
| Core capital (leverage) ratio | 12.3051% | 1,452 |
| Tier 1 risk-based capital ratio | 22.0013% | 1,146 |
| Total risk-based capital ratio | 23.2622% | 1,123 |
| Memoranda: | ||
| Average total assets | $207,329,600 | 2,878 |
| Average earning assets | $190,101,400 | 2,890 |
| Average equity | $26,238,800 | 2,606 |
| Average total loans | $86,185,800 | 3,668 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2328% | 2,469 |
| Cost of funding earning assets | 0.6766% | 946 |
| Net interest margin | 3.5562% | 3,318 |
| Noninterest income to average assets | 0.2799% | 4,941 |
| Noninterest expense to average assets | 2.9180% | 2,792 |
| Loan and lease loss provision to assets | 0.0558% | 3,077 |
| Net operating income to assets | 0.6045% | 4,363 |
| Return on assets (ROA) | 0.6155% | 4,413 |
| Pretax return on assets | 0.5727% | 5,039 |
| Return on Equity (ROE) | 4.8203% | 4,704 |
| Retained earnings to average equity (ytd only) | 3.0406% | 4,279 |
| Net charge-offs to loans | 0.9123% | 210 |
| Credit loss provision to net charge-offs | 14.7513% | 3,411 |
| Earnings coverage of net charge-offs (x) | 1.6312% | 3,798 |
| Efficiency ratio | 82.5344% | 1,324 |
| Assets per employee ($millions) | 5.7196% | 1,580 |
| Cash dividends to net income (ytd only)* | 36.9202% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2326% | 193 |
| Loan loss allowance to noncurrent loans | 58.7037% | 4,733 |
| Noncurrent assets plus other real estate owned to assets | 2.5264% | 683 |
| Noncurrent loans to loans | 5.5066% | 167 |
| Net loans and leases to total assets | 41.4777% | 5,516 |
| Net loans and leases to deposits | 48.1940% | 5,552 |
| Net loans and leases to core deposits | 52.2134% | 5,491 |
| Total domestic deposits to total assets | 86.0640% | 2,491 |
| Equity capital to assets | 12.9778% | 1,457 |
| Core capital (leverage) ratio | 12.6748% | 1,333 |
| Tier 1 risk-based capital ratio | 23.1396% | 1,037 |
| Total risk-based capital ratio | 24.4055% | 1,021 |
| Memoranda: | ||
| Average total assets | $205,340,000 | 2,919 |
| Average earning assets | $187,987,750 | 2,937 |
| Average equity | $26,221,750 | 2,631 |
| Average total loans | $85,200,250 | 3,726 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3064% | 2,149 |
| Cost of funding earning assets | 0.6778% | 948 |
| Net interest margin | 3.6286% | 2,980 |
| Noninterest income to average assets | 0.2291% | 5,324 |
| Noninterest expense to average assets | 2.9256% | 2,797 |
| Loan and lease loss provision to assets | 0.0799% | 2,513 |
| Net operating income to assets | 0.5966% | 4,363 |
| Return on assets (ROA) | 0.6015% | 4,440 |
| Pretax return on assets | 0.5372% | 5,128 |
| Return on Equity (ROE) | 4.7361% | 4,734 |
| Retained earnings to average equity (ytd only) | 2.0495% | 4,672 |
| Net charge-offs to loans | 1.2901% | 144 |
| Credit loss provision to net charge-offs | 15.1013% | 3,063 |
| Earnings coverage of net charge-offs (x) | 1.1565% | 3,570 |
| Efficiency ratio | 82.6950% | 1,410 |
| Assets per employee ($millions) | 5.6885% | 1,581 |
| Cash dividends to net income (ytd only)* | 56.7261% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4842% | 165 |
| Loan loss allowance to noncurrent loans | 49.6904% | 5,003 |
| Noncurrent assets plus other real estate owned to assets | 3.0744% | 531 |
| Noncurrent loans to loans | 7.0118% | 117 |
| Net loans and leases to total assets | 39.0788% | 5,682 |
| Net loans and leases to deposits | 45.1648% | 5,715 |
| Net loans and leases to core deposits | 48.6797% | 5,668 |
| Total domestic deposits to total assets | 86.5250% | 2,418 |
| Equity capital to assets | 12.5868% | 1,606 |
| Core capital (leverage) ratio | 12.5680% | 1,345 |
| Tier 1 risk-based capital ratio | 23.4952% | 1,006 |
| Total risk-based capital ratio | 24.7623% | 993 |
| Memoranda: | ||
| Average total assets | $205,151,330 | 2,944 |
| Average earning assets | $187,069,670 | 2,961 |
| Average equity | $26,055,000 | 2,653 |
| Average total loans | $84,181,000 | 3,781 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9661% | 3,354 |
| Cost of funding earning assets | 0.6796% | 949 |
| Net interest margin | 3.2865% | 4,277 |
| Noninterest income to average assets | 0.1422% | 5,898 |
| Noninterest expense to average assets | 2.7779% | 3,322 |
| Loan and lease loss provision to assets | 0.0565% | 2,803 |
| Net operating income to assets | 0.4227% | 4,983 |
| Return on assets (ROA) | 0.4227% | 5,105 |
| Pretax return on assets | 0.2942% | 5,661 |
| Return on Equity (ROE) | 3.3137% | 5,245 |
| Retained earnings to average equity (ytd only) | 3.3137% | 3,997 |
| Net charge-offs to loans | 0.2217% | 1,052 |
| Credit loss provision to net charge-offs | 61.7021% | 1,983 |
| Earnings coverage of net charge-offs (x) | 3.8298% | 2,563 |
| Efficiency ratio | 88.7920% | 955 |
| Assets per employee ($millions) | 5.7582% | 1,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9481% | 136 |
| Loan loss allowance to noncurrent loans | 50.9792% | 4,995 |
| Noncurrent assets plus other real estate owned to assets | 3.5428% | 464 |
| Noncurrent loans to loans | 7.7446% | 109 |
| Net loans and leases to total assets | 39.1045% | 5,657 |
| Net loans and leases to deposits | 45.2143% | 5,694 |
| Net loans and leases to core deposits | 48.2429% | 5,660 |
| Total domestic deposits to total assets | 86.4870% | 2,675 |
| Equity capital to assets | 12.8415% | 1,487 |
| Core capital (leverage) ratio | 12.5322% | 1,351 |
| Tier 1 risk-based capital ratio | 24.0078% | 993 |
| Total risk-based capital ratio | 25.2808% | 976 |
| Memoranda: | ||
| Average total assets | $205,334,000 | 2,956 |
| Average earning assets | $186,579,000 | 2,979 |
| Average equity | $26,194,500 | 2,658 |
| Average total loans | $84,813,000 | 3,779 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3157% | 2,549 |
| Cost of funding earning assets | 0.7398% | 898 |
| Net interest margin | 3.5759% | 3,487 |
| Noninterest income to average assets | 0.2746% | 5,155 |
| Noninterest expense to average assets | 2.8437% | 3,329 |
| Loan and lease loss provision to assets | 0.1483% | 1,773 |
| Net operating income to assets | 0.5939% | 4,401 |
| Return on assets (ROA) | 0.5939% | 4,482 |
| Pretax return on assets | 0.5237% | 5,186 |
| Return on Equity (ROE) | 4.7049% | 4,801 |
| Retained earnings to average equity (ytd only) | 1.9256% | 4,838 |
| Net charge-offs to loans | 0.0431% | 3,961 |
| Credit loss provision to net charge-offs | 740.0000% | 365 |
| Earnings coverage of net charge-offs (x) | 33.5250% | 1,235 |
| Efficiency ratio | 80.8838% | 1,788 |
| Assets per employee ($millions) | 5.6492% | 1,652 |
| Cash dividends to net income (ytd only)* | 59.0717% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9304% | 140 |
| Loan loss allowance to noncurrent loans | 69.6755% | 4,531 |
| Noncurrent assets plus other real estate owned to assets | 3.2566% | 587 |
| Noncurrent loans to loans | 5.6411% | 220 |
| Net loans and leases to total assets | 40.2622% | 5,724 |
| Net loans and leases to deposits | 46.4911% | 5,772 |
| Net loans and leases to core deposits | 49.6577% | 5,728 |
| Total domestic deposits to total assets | 86.6019% | 2,507 |
| Equity capital to assets | 12.6709% | 1,553 |
| Core capital (leverage) ratio | 12.4869% | 1,357 |
| Tier 1 risk-based capital ratio | 22.9466% | 1,095 |
| Total risk-based capital ratio | 24.2188% | 1,065 |
| Memoranda: | ||
| Average total assets | $199,528,800 | 3,007 |
| Average earning assets | $180,850,800 | 3,029 |
| Average equity | $25,186,600 | 2,641 |
| Average total loans | $92,845,600 | 3,567 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3626% | 2,379 |
| Cost of funding earning assets | 0.7448% | 913 |
| Net interest margin | 3.6178% | 3,357 |
| Noninterest income to average assets | 0.2605% | 5,349 |
| Noninterest expense to average assets | 2.8785% | 3,201 |
| Loan and lease loss provision to assets | 0.1632% | 1,522 |
| Net operating income to assets | 0.5298% | 4,762 |
| Return on assets (ROA) | 0.5298% | 4,835 |
| Pretax return on assets | 0.5063% | 5,311 |
| Return on Equity (ROE) | 4.2010% | 5,084 |
| Retained earnings to average equity (ytd only) | 2.3374% | 4,882 |
| Net charge-offs to loans | 0.3574% | 1,128 |
| Credit loss provision to net charge-offs | 95.6693% | 2,331 |
| Earnings coverage of net charge-offs (x) | 3.9252% | 3,567 |
| Efficiency ratio | 81.1317% | 1,736 |
| Assets per employee ($millions) | 5.6110% | 1,627 |
| Cash dividends to net income (ytd only)* | 44.3606% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5087% | 228 |
| Loan loss allowance to noncurrent loans | 48.7508% | 5,189 |
| Noncurrent assets plus other real estate owned to assets | 4.1506% | 456 |
| Noncurrent loans to loans | 7.1972% | 157 |
| Net loans and leases to total assets | 41.9734% | 5,673 |
| Net loans and leases to deposits | 48.4038% | 5,744 |
| Net loans and leases to core deposits | 51.7168% | 5,701 |
| Total domestic deposits to total assets | 86.7151% | 2,471 |
| Equity capital to assets | 12.7492% | 1,556 |
| Core capital (leverage) ratio | 12.4406% | 1,439 |
| Tier 1 risk-based capital ratio | 23.2483% | 1,086 |
| Total risk-based capital ratio | 24.5176% | 1,066 |
| Memoranda: | ||
| Average total assets | $198,568,000 | 3,037 |
| Average earning assets | $180,436,500 | 3,050 |
| Average equity | $25,041,000 | 2,670 |
| Average total loans | $94,749,000 | 3,567 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3711% | 2,287 |
| Cost of funding earning assets | 0.7501% | 921 |
| Net interest margin | 3.6210% | 3,272 |
| Noninterest income to average assets | 0.2857% | 5,139 |
| Noninterest expense to average assets | 2.8892% | 3,200 |
| Loan and lease loss provision to assets | 0.1337% | 1,850 |
| Net operating income to assets | 0.5541% | 4,578 |
| Return on assets (ROA) | 0.5541% | 4,682 |
| Pretax return on assets | 0.5541% | 5,121 |
| Return on Equity (ROE) | 4.4106% | 4,966 |
| Retained earnings to average equity (ytd only) | 1.5885% | 5,109 |
| Net charge-offs to loans | 0.0350% | 3,511 |
| Credit loss provision to net charge-offs | 776.4706% | 414 |
| Earnings coverage of net charge-offs (x) | 39.9412% | 1,060 |
| Efficiency ratio | 80.7703% | 1,911 |
| Assets per employee ($millions) | 5.7083% | 1,517 |
| Cash dividends to net income (ytd only)* | 63.9854% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5670% | 238 |
| Loan loss allowance to noncurrent loans | 47.4915% | 5,257 |
| Noncurrent assets plus other real estate owned to assets | 4.3382% | 457 |
| Noncurrent loans to loans | 7.5109% | 151 |
| Net loans and leases to total assets | 42.2161% | 5,667 |
| Net loans and leases to deposits | 48.4267% | 5,751 |
| Net loans and leases to core deposits | 51.6571% | 5,682 |
| Total domestic deposits to total assets | 87.1752% | 2,358 |
| Equity capital to assets | 12.3562% | 1,736 |
| Core capital (leverage) ratio | 12.6792% | 1,295 |
| Tier 1 risk-based capital ratio | 22.6406% | 1,161 |
| Total risk-based capital ratio | 23.9111% | 1,141 |
| Memoranda: | ||
| Average total assets | $197,425,000 | 3,065 |
| Average earning assets | $179,451,000 | 3,089 |
| Average equity | $24,803,670 | 2,682 |
| Average total loans | $97,042,670 | 3,514 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5201% | 1,747 |
| Cost of funding earning assets | 0.7571% | 939 |
| Net interest margin | 3.7630% | 2,625 |
| Noninterest income to average assets | 0.3847% | 4,312 |
| Noninterest expense to average assets | 3.1274% | 2,449 |
| Loan and lease loss provision to assets | 0.0600% | 2,909 |
| Net operating income to assets | 0.6309% | 4,041 |
| Return on assets (ROA) | 0.6309% | 4,130 |
| Pretax return on assets | 0.6309% | 4,720 |
| Return on Equity (ROE) | 4.9777% | 4,561 |
| Retained earnings to average equity (ytd only) | 4.9777% | 3,118 |
| Net charge-offs to loans | 0.6602% | 556 |
| Credit loss provision to net charge-offs | 17.4699% | 2,531 |
| Earnings coverage of net charge-offs (x) | 2.0120% | 2,967 |
| Efficiency ratio | 81.9068% | 1,937 |
| Assets per employee ($millions) | 5.3351% | 1,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0346% | 415 |
| Loan loss allowance to noncurrent loans | 44.5264% | 5,408 |
| Noncurrent assets plus other real estate owned to assets | 4.5979% | 471 |
| Noncurrent loans to loans | 6.8153% | 234 |
| Net loans and leases to total assets | 49.1951% | 4,980 |
| Net loans and leases to deposits | 56.7917% | 5,047 |
| Net loans and leases to core deposits | 60.6656% | 4,981 |
| Total domestic deposits to total assets | 86.6237% | 3,030 |
| Equity capital to assets | 12.9837% | 1,312 |
| Core capital (leverage) ratio | 12.9814% | 1,171 |
| Tier 1 risk-based capital ratio | 21.5022% | 1,372 |
| Total risk-based capital ratio | 22.7676% | 1,347 |
| Memoranda: | ||
| Average total assets | $193,387,500 | 3,125 |
| Average earning assets | $176,455,000 | 3,144 |
| Average equity | $24,509,500 | 2,697 |
| Average total loans | $100,582,500 | 3,456 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8376% | 1,234 |
| Cost of funding earning assets | 0.8477% | 956 |
| Net interest margin | 3.9899% | 1,973 |
| Noninterest income to average assets | 0.4278% | 4,248 |
| Noninterest expense to average assets | 2.6590% | 4,246 |
| Loan and lease loss provision to assets | 0.8260% | 251 |
| Net operating income to assets | 0.6087% | 4,226 |
| Return on assets (ROA) | 0.6087% | 4,341 |
| Pretax return on assets | 0.5396% | 5,072 |
| Return on Equity (ROE) | 4.7431% | 4,752 |
| Retained earnings to average equity (ytd only) | 1.9078% | 4,872 |
| Net charge-offs to loans | 0.3913% | 1,719 |
| Credit loss provision to net charge-offs | 373.0047% | 614 |
| Earnings coverage of net charge-offs (x) | 6.1667% | 3,117 |
| Efficiency ratio | 66.0682% | 4,546 |
| Assets per employee ($millions) | 5.4086% | 1,746 |
| Cash dividends to net income (ytd only)* | 59.7780% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9830% | 480 |
| Loan loss allowance to noncurrent loans | 44.3394% | 5,483 |
| Noncurrent assets plus other real estate owned to assets | 4.7018% | 517 |
| Noncurrent loans to loans | 6.7276% | 264 |
| Net loans and leases to total assets | 51.6807% | 4,896 |
| Net loans and leases to deposits | 59.2787% | 5,005 |
| Net loans and leases to core deposits | 63.1257% | 4,959 |
| Total domestic deposits to total assets | 87.1825% | 2,633 |
| Equity capital to assets | 12.3681% | 1,580 |
| Core capital (leverage) ratio | 12.7469% | 1,237 |
| Tier 1 risk-based capital ratio | 20.3604% | 1,572 |
| Total risk-based capital ratio | 21.6263% | 1,538 |
| Memoranda: | ||
| Average total assets | $192,365,400 | 3,120 |
| Average earning assets | $173,413,000 | 3,170 |
| Average equity | $24,688,400 | 2,654 |
| Average total loans | $108,881,400 | 3,264 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8741% | 1,176 |
| Cost of funding earning assets | 0.8662% | 964 |
| Net interest margin | 4.0079% | 1,915 |
| Noninterest income to average assets | 0.4352% | 4,264 |
| Noninterest expense to average assets | 2.6120% | 4,353 |
| Loan and lease loss provision to assets | 1.0866% | 141 |
| Net operating income to assets | 0.2503% | 5,778 |
| Return on assets (ROA) | 0.2503% | 5,873 |
| Pretax return on assets | 0.3427% | 5,767 |
| Return on Equity (ROE) | 1.9323% | 5,960 |
| Retained earnings to average equity (ytd only) | -0.4831% | 6,041 |
| Net charge-offs to loans | 0.5882% | 1,068 |
| Credit loss provision to net charge-offs | 321.6049% | 795 |
| Earnings coverage of net charge-offs (x) | 4.2305% | 3,494 |
| Efficiency ratio | 64.6310% | 4,705 |
| Assets per employee ($millions) | 5.2494% | 1,893 |
| Cash dividends to net income (ytd only)* | 125.0005% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8056% | 670 |
| Loan loss allowance to noncurrent loans | 56.7869% | 4,951 |
| Noncurrent assets plus other real estate owned to assets | 3.9554% | 792 |
| Noncurrent loans to loans | 4.9405% | 614 |
| Net loans and leases to total assets | 55.1423% | 4,439 |
| Net loans and leases to deposits | 63.6645% | 4,551 |
| Net loans and leases to core deposits | 68.0080% | 4,523 |
| Total domestic deposits to total assets | 86.6139% | 2,907 |
| Equity capital to assets | 12.4696% | 1,601 |
| Core capital (leverage) ratio | 12.7593% | 1,302 |
| Tier 1 risk-based capital ratio | 19.4669% | 1,869 |
| Total risk-based capital ratio | 20.7314% | 1,835 |
| Memoranda: | ||
| Average total assets | $191,779,000 | 3,156 |
| Average earning assets | $172,554,750 | 3,211 |
| Average equity | $24,840,000 | 2,664 |
| Average total loans | $110,171,250 | 3,263 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8547% | 1,206 |
| Cost of funding earning assets | 0.8839% | 968 |
| Net interest margin | 3.9707% | 1,961 |
| Noninterest income to average assets | 0.4421% | 4,231 |
| Noninterest expense to average assets | 2.5302% | 4,627 |
| Loan and lease loss provision to assets | 0.3300% | 1,045 |
| Net operating income to assets | 1.0056% | 2,310 |
| Return on assets (ROA) | 1.0056% | 2,445 |
| Pretax return on assets | 1.1437% | 2,916 |
| Return on Equity (ROE) | 7.6707% | 3,249 |
| Retained earnings to average equity (ytd only) | 4.1085% | 3,677 |
| Net charge-offs to loans | 0.2699% | 2,127 |
| Credit loss provision to net charge-offs | 212.0000% | 1,141 |
| Earnings coverage of net charge-offs (x) | 9.4667% | 2,281 |
| Efficiency ratio | 63.1934% | 4,984 |
| Assets per employee ($millions) | 5.3354% | 1,758 |
| Cash dividends to net income (ytd only)* | 46.4396% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9229% | 2,044 |
| Loan loss allowance to noncurrent loans | 37.3554% | 5,736 |
| Noncurrent assets plus other real estate owned to assets | 4.1635% | 816 |
| Noncurrent loans to loans | 5.1475% | 609 |
| Net loans and leases to total assets | 55.7397% | 4,336 |
| Net loans and leases to deposits | 64.3542% | 4,457 |
| Net loans and leases to core deposits | 68.0314% | 4,495 |
| Total domestic deposits to total assets | 86.6139% | 3,050 |
| Equity capital to assets | 12.5661% | 1,536 |
| Core capital (leverage) ratio | 12.8390% | 1,236 |
| Tier 1 risk-based capital ratio | 19.5904% | 1,832 |
| Total risk-based capital ratio | 20.8452% | 1,804 |
| Memoranda: | ||
| Average total assets | $192,712,000 | 3,156 |
| Average earning assets | $172,864,330 | 3,212 |
| Average equity | $25,265,000 | 2,649 |
| Average total loans | $111,156,330 | 3,248 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7949% | 1,300 |
| Cost of funding earning assets | 0.8922% | 1,021 |
| Net interest margin | 3.9027% | 2,111 |
| Noninterest income to average assets | 0.4165% | 4,338 |
| Noninterest expense to average assets | 2.4535% | 4,936 |
| Loan and lease loss provision to assets | 0.2570% | 1,385 |
| Net operating income to assets | 0.9656% | 2,370 |
| Return on assets (ROA) | 0.9656% | 2,505 |
| Pretax return on assets | 1.1957% | 2,591 |
| Return on Equity (ROE) | 7.2166% | 3,370 |
| Retained earnings to average equity (ytd only) | 1.7964% | 5,092 |
| Net charge-offs to loans | 0.0785% | 3,055 |
| Credit loss provision to net charge-offs | 563.6364% | 476 |
| Earnings coverage of net charge-offs (x) | 31.8636% | 936 |
| Efficiency ratio | 62.8117% | 5,179 |
| Assets per employee ($millions) | 5.4296% | 1,732 |
| Cash dividends to net income (ytd only)* | 75.1073% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8249% | 2,534 |
| Loan loss allowance to noncurrent loans | 30.9249% | 5,993 |
| Noncurrent assets plus other real estate owned to assets | 4.2069% | 910 |
| Noncurrent loans to loans | 5.9012% | 570 |
| Net loans and leases to total assets | 55.9532% | 4,085 |
| Net loans and leases to deposits | 65.0584% | 4,176 |
| Net loans and leases to core deposits | 68.7008% | 4,220 |
| Total domestic deposits to total assets | 86.0047% | 3,524 |
| Equity capital to assets | 13.1374% | 1,365 |
| Core capital (leverage) ratio | 12.6443% | 1,278 |
| Tier 1 risk-based capital ratio | 19.1582% | 1,996 |
| Total risk-based capital ratio | 20.4124% | 1,967 |
| Memoranda: | ||
| Average total assets | $193,031,500 | 3,180 |
| Average earning assets | $172,598,500 | 3,248 |
| Average equity | $25,829,500 | 2,628 |
| Average total loans | $112,154,500 | 3,247 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3135% | 904 |
| Cost of funding earning assets | 1.1267% | 820 |
| Net interest margin | 4.1868% | 1,693 |
| Noninterest income to average assets | 0.4708% | 4,093 |
| Noninterest expense to average assets | 2.4640% | 5,212 |
| Loan and lease loss provision to assets | 0.5568% | 1,023 |
| Net operating income to assets | 0.9953% | 2,356 |
| Return on assets (ROA) | 0.9953% | 2,577 |
| Pretax return on assets | 1.2105% | 2,767 |
| Return on Equity (ROE) | 7.2349% | 3,510 |
| Retained earnings to average equity (ytd only) | 3.7152% | 3,600 |
| Net charge-offs to loans | 0.5727% | 2,010 |
| Credit loss provision to net charge-offs | 159.9691% | 1,680 |
| Earnings coverage of net charge-offs (x) | 5.0773% | 3,153 |
| Efficiency ratio | 58.2327% | 5,796 |
| Assets per employee ($millions) | 5.2944% | 1,908 |
| Cash dividends to net income (ytd only)* | 48.6486% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7103% | 2,893 |
| Loan loss allowance to noncurrent loans | 31.0350% | 6,021 |
| Noncurrent assets plus other real estate owned to assets | 3.9565% | 1,086 |
| Noncurrent loans to loans | 5.5107% | 670 |
| Net loans and leases to total assets | 58.2252% | 3,936 |
| Net loans and leases to deposits | 68.2971% | 3,935 |
| Net loans and leases to core deposits | 72.2486% | 4,011 |
| Total domestic deposits to total assets | 85.2527% | 3,740 |
| Equity capital to assets | 13.6308% | 1,179 |
| Core capital (leverage) ratio | 12.8697% | 1,167 |
| Tier 1 risk-based capital ratio | 19.0448% | 1,944 |
| Total risk-based capital ratio | 20.2983% | 1,914 |
| Memoranda: | ||
| Average total assets | $185,873,200 | 3,225 |
| Average earning assets | $166,952,600 | 3,270 |
| Average equity | $25,570,600 | 2,606 |
| Average total loans | $112,982,800 | 3,227 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3075% | 999 |
| Cost of funding earning assets | 1.1595% | 834 |
| Net interest margin | 4.1480% | 1,907 |
| Noninterest income to average assets | 0.4599% | 4,211 |
| Noninterest expense to average assets | 2.4328% | 5,298 |
| Loan and lease loss provision to assets | 0.3039% | 2,173 |
| Net operating income to assets | 1.2778% | 1,499 |
| Return on assets (ROA) | 1.2778% | 1,646 |
| Pretax return on assets | 1.4575% | 2,047 |
| Return on Equity (ROE) | 9.2662% | 2,689 |
| Retained earnings to average equity (ytd only) | 5.6016% | 2,960 |
| Net charge-offs to loans | 0.0602% | 4,823 |
| Credit loss provision to net charge-offs | 825.4902% | 340 |
| Earnings coverage of net charge-offs (x) | 47.8419% | 779 |
| Efficiency ratio | 58.0034% | 5,790 |
| Assets per employee ($millions) | 5.1590% | 1,985 |
| Cash dividends to net income (ytd only)* | 39.5480% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7081% | 3,123 |
| Loan loss allowance to noncurrent loans | 168.1019% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 1.3768% | 3,542 |
| Noncurrent loans to loans | 1.0161% | 4,420 |
| Net loans and leases to total assets | 59.2720% | 3,916 |
| Net loans and leases to deposits | 70.0728% | 3,886 |
| Net loans and leases to core deposits | 73.8396% | 3,995 |
| Total domestic deposits to total assets | 84.5864% | 3,936 |
| Equity capital to assets | 14.1306% | 1,104 |
| Core capital (leverage) ratio | 13.2878% | 1,077 |
| Tier 1 risk-based capital ratio | 19.3439% | 1,908 |
| Total risk-based capital ratio | 20.5968% | 1,884 |
| Memoranda: | ||
| Average total assets | $184,692,000 | 3,278 |
| Average earning assets | $166,277,500 | 3,319 |
| Average equity | $25,468,250 | 2,643 |
| Average total loans | $113,001,750 | 3,256 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3491% | 962 |
| Cost of funding earning assets | 1.1972% | 832 |
| Net interest margin | 4.1518% | 1,896 |
| Noninterest income to average assets | 0.4557% | 4,248 |
| Noninterest expense to average assets | 2.4465% | 5,306 |
| Loan and lease loss provision to assets | 0.3125% | 2,110 |
| Net operating income to assets | 1.2639% | 1,531 |
| Return on assets (ROA) | 1.2639% | 1,699 |
| Pretax return on assets | 1.4364% | 2,059 |
| Return on Equity (ROE) | 9.2425% | 2,692 |
| Retained earnings to average equity (ytd only) | 6.4658% | 2,401 |
| Net charge-offs to loans | 0.0900% | 4,254 |
| Credit loss provision to net charge-offs | 564.7059% | 554 |
| Earnings coverage of net charge-offs (x) | 31.6078% | 1,038 |
| Efficiency ratio | 58.3139% | 5,830 |
| Assets per employee ($millions) | 5.1308% | 1,991 |
| Cash dividends to net income (ytd only)* | 30.0429% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5818% | 3,667 |
| Loan loss allowance to noncurrent loans | 163.9042% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 1.3562% | 3,726 |
| Noncurrent loans to loans | 0.9651% | 4,580 |
| Net loans and leases to total assets | 59.9608% | 3,826 |
| Net loans and leases to deposits | 70.7212% | 3,793 |
| Net loans and leases to core deposits | 74.5305% | 3,952 |
| Total domestic deposits to total assets | 84.7847% | 3,957 |
| Equity capital to assets | 13.9484% | 1,116 |
| Core capital (leverage) ratio | 13.0467% | 1,136 |
| Tier 1 risk-based capital ratio | 19.0921% | 1,941 |
| Total risk-based capital ratio | 20.3440% | 1,923 |
| Memoranda: | ||
| Average total assets | $184,347,670 | 3,292 |
| Average earning assets | $166,047,330 | 3,329 |
| Average equity | $25,209,670 | 2,645 |
| Average total loans | $113,337,000 | 3,267 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3082% | 1,078 |
| Cost of funding earning assets | 1.2028% | 970 |
| Net interest margin | 4.1054% | 2,067 |
| Noninterest income to average assets | 0.4279% | 4,469 |
| Noninterest expense to average assets | 2.4804% | 5,212 |
| Loan and lease loss provision to assets | 0.2476% | 2,483 |
| Net operating income to assets | 1.2206% | 1,682 |
| Return on assets (ROA) | 1.2206% | 1,866 |
| Pretax return on assets | 1.4139% | 2,146 |
| Return on Equity (ROE) | 9.0163% | 2,824 |
| Retained earnings to average equity (ytd only) | 6.6098% | 2,626 |
| Net charge-offs to loans | 0.0387% | 4,157 |
| Credit loss provision to net charge-offs | 1,036.3636% | 330 |
| Earnings coverage of net charge-offs (x) | 69.5455% | 483 |
| Efficiency ratio | 59.8846% | 5,631 |
| Assets per employee ($millions) | 5.1858% | 2,007 |
| Cash dividends to net income (ytd only)* | 26.6904% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4463% | 4,394 |
| Loan loss allowance to noncurrent loans | 162.0079% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 1.3038% | 3,952 |
| Noncurrent loans to loans | 0.8927% | 4,880 |
| Net loans and leases to total assets | 60.0798% | 3,651 |
| Net loans and leases to deposits | 70.4444% | 3,669 |
| Net loans and leases to core deposits | 74.0067% | 3,902 |
| Total domestic deposits to total assets | 85.2868% | 3,883 |
| Equity capital to assets | 13.4774% | 1,249 |
| Core capital (leverage) ratio | 13.0820% | 1,095 |
| Tier 1 risk-based capital ratio | 18.5199% | 2,141 |
| Total risk-based capital ratio | 19.7702% | 2,109 |
| Memoranda: | ||
| Average total assets | $184,167,000 | 3,316 |
| Average earning assets | $166,610,500 | 3,340 |
| Average equity | $24,932,500 | 2,670 |
| Average total loans | $113,739,000 | 3,281 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4823% | 1,204 |
| Cost of funding earning assets | 1.3954% | 1,058 |
| Net interest margin | 4.0869% | 2,489 |
| Noninterest income to average assets | 0.4513% | 4,203 |
| Noninterest expense to average assets | 2.5212% | 5,398 |
| Loan and lease loss provision to assets | 0.3817% | 2,711 |
| Net operating income to assets | 1.1702% | 1,601 |
| Return on assets (ROA) | 1.1712% | 1,708 |
| Pretax return on assets | 1.3305% | 2,012 |
| Return on Equity (ROE) | 8.9207% | 2,486 |
| Retained earnings to average equity (ytd only) | 2.1304% | 4,701 |
| Net charge-offs to loans | 0.6526% | 2,517 |
| Credit loss provision to net charge-offs | 93.7073% | 3,845 |
| Earnings coverage of net charge-offs (x) | 4.2011% | 3,225 |
| Efficiency ratio | 59.5708% | 5,822 |
| Assets per employee ($millions) | 5.0457% | 2,131 |
| Cash dividends to net income (ytd only)* | 76.1180% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3575% | 4,638 |
| Loan loss allowance to noncurrent loans | 2,173.2394% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.8197% | 4,993 |
| Noncurrent loans to loans | 0.0625% | 6,661 |
| Net loans and leases to total assets | 61.7284% | 3,656 |
| Net loans and leases to deposits | 72.5204% | 3,730 |
| Net loans and leases to core deposits | 76.2855% | 3,946 |
| Total domestic deposits to total assets | 85.1187% | 3,776 |
| Equity capital to assets | 13.6002% | 1,221 |
| Core capital (leverage) ratio | 12.7662% | 1,236 |
| Tier 1 risk-based capital ratio | 18.4017% | 2,079 |
| Total risk-based capital ratio | 19.6125% | 2,053 |
| Memoranda: | ||
| Average total assets | $179,475,200 | 3,343 |
| Average earning assets | $166,043,200 | 3,310 |
| Average equity | $23,563,200 | 2,721 |
| Average total loans | $112,017,600 | 3,332 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4212% | 1,453 |
| Cost of funding earning assets | 1.4280% | 1,117 |
| Net interest margin | 3.9932% | 2,942 |
| Noninterest income to average assets | 0.4404% | 4,363 |
| Noninterest expense to average assets | 2.4649% | 5,574 |
| Loan and lease loss provision to assets | 0.3621% | 2,695 |
| Net operating income to assets | 1.1566% | 1,790 |
| Return on assets (ROA) | 1.1579% | 1,899 |
| Pretax return on assets | 1.3174% | 2,235 |
| Return on Equity (ROE) | 8.9009% | 2,641 |
| Retained earnings to average equity (ytd only) | 1.4549% | 5,414 |
| Net charge-offs to loans | 0.6356% | 2,340 |
| Credit loss provision to net charge-offs | 91.3534% | 3,729 |
| Earnings coverage of net charge-offs (x) | 4.2331% | 3,134 |
| Efficiency ratio | 59.4964% | 5,793 |
| Assets per employee ($millions) | 5.1225% | 2,035 |
| Cash dividends to net income (ytd only)* | 83.6550% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3464% | 4,792 |
| Loan loss allowance to noncurrent loans | 734.7619% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.8665% | 5,018 |
| Noncurrent loans to loans | 0.1832% | 6,505 |
| Net loans and leases to total assets | 61.3071% | 3,885 |
| Net loans and leases to deposits | 71.7936% | 4,016 |
| Net loans and leases to core deposits | 75.4448% | 4,257 |
| Total domestic deposits to total assets | 85.3935% | 3,560 |
| Equity capital to assets | 13.3723% | 1,428 |
| Core capital (leverage) ratio | 12.7174% | 1,336 |
| Tier 1 risk-based capital ratio | 17.8808% | 2,299 |
| Total risk-based capital ratio | 19.0699% | 2,290 |
| Memoranda: | ||
| Average total assets | $178,933,000 | 3,366 |
| Average earning assets | $165,913,250 | 3,322 |
| Average equity | $23,278,000 | 2,755 |
| Average total loans | $111,604,750 | 3,375 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3977% | 1,571 |
| Cost of funding earning assets | 1.4520% | 1,191 |
| Net interest margin | 3.9457% | 3,102 |
| Noninterest income to average assets | 0.4336% | 4,403 |
| Noninterest expense to average assets | 2.4765% | 5,623 |
| Loan and lease loss provision to assets | 0.3422% | 2,733 |
| Net operating income to assets | 1.1609% | 1,688 |
| Return on assets (ROA) | 1.1609% | 1,765 |
| Pretax return on assets | 1.2851% | 2,181 |
| Return on Equity (ROE) | 9.0107% | 2,510 |
| Retained earnings to average equity (ytd only) | -2.3842% | 6,303 |
| Net charge-offs to loans | 0.7287% | 2,051 |
| Credit loss provision to net charge-offs | 75.1861% | 3,910 |
| Earnings coverage of net charge-offs (x) | 3.5757% | 3,126 |
| Efficiency ratio | 60.3467% | 5,820 |
| Assets per employee ($millions) | 4.9609% | 2,181 |
| Cash dividends to net income (ytd only)* | 126.4591% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3175% | 4,981 |
| Loan loss allowance to noncurrent loans | 426.6476% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.6747% | 5,551 |
| Noncurrent loans to loans | 0.3088% | 6,303 |
| Net loans and leases to total assets | 62.4483% | 3,802 |
| Net loans and leases to deposits | 72.7798% | 3,985 |
| Net loans and leases to core deposits | 77.0320% | 4,186 |
| Total domestic deposits to total assets | 85.8044% | 3,438 |
| Equity capital to assets | 13.2174% | 1,425 |
| Core capital (leverage) ratio | 12.8108% | 1,243 |
| Tier 1 risk-based capital ratio | 17.6732% | 2,276 |
| Total risk-based capital ratio | 18.8337% | 2,281 |
| Memoranda: | ||
| Average total assets | $177,107,000 | 3,416 |
| Average earning assets | $164,737,330 | 3,357 |
| Average equity | $22,817,330 | 2,781 |
| Average total loans | $110,606,330 | 3,440 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4578% | 1,411 |
| Cost of funding earning assets | 1.4979% | 1,165 |
| Net interest margin | 3.9599% | 2,871 |
| Noninterest income to average assets | 0.4014% | 4,690 |
| Noninterest expense to average assets | 2.4472% | 5,747 |
| Loan and lease loss provision to assets | 0.2245% | 3,415 |
| Net operating income to assets | 1.1771% | 1,579 |
| Return on assets (ROA) | 1.1771% | 1,631 |
| Pretax return on assets | 1.3812% | 1,778 |
| Return on Equity (ROE) | 9.2581% | 2,363 |
| Retained earnings to average equity (ytd only) | -13.9318% | 7,012 |
| Net charge-offs to loans | 0.0475% | 4,467 |
| Credit loss provision to net charge-offs | 761.5385% | 495 |
| Earnings coverage of net charge-offs (x) | 54.4615% | 541 |
| Efficiency ratio | 60.3805% | 5,931 |
| Assets per employee ($millions) | 4.9010% | 2,299 |
| Cash dividends to net income (ytd only)* | 250.4817% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5651% | 3,890 |
| Loan loss allowance to noncurrent loans | 155.3803% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 1.0984% | 4,726 |
| Noncurrent loans to loans | 1.0073% | 5,042 |
| Net loans and leases to total assets | 59.7081% | 4,327 |
| Net loans and leases to deposits | 69.0033% | 4,526 |
| Net loans and leases to core deposits | 72.1049% | 4,774 |
| Total domestic deposits to total assets | 86.5293% | 3,218 |
| Equity capital to assets | 12.6687% | 1,540 |
| Core capital (leverage) ratio | 12.7001% | 1,241 |
| Tier 1 risk-based capital ratio | 17.9493% | 2,131 |
| Total risk-based capital ratio | 19.2009% | 2,099 |
| Memoranda: | ||
| Average total assets | $176,365,000 | 3,444 |
| Average earning assets | $162,629,500 | 3,411 |
| Average equity | $22,423,500 | 2,810 |
| Average total loans | $109,401,500 | 3,512 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5939% | 1,916 |
| Cost of funding earning assets | 1.8106% | 1,126 |
| Net interest margin | 3.7834% | 4,013 |
| Noninterest income to average assets | 0.4475% | 4,535 |
| Noninterest expense to average assets | 2.4104% | 6,073 |
| Loan and lease loss provision to assets | 0.2385% | 4,905 |
| Net operating income to assets | 1.1230% | 1,631 |
| Return on assets (ROA) | 1.1245% | 1,706 |
| Pretax return on assets | 1.2836% | 1,976 |
| Return on Equity (ROE) | 8.4722% | 2,510 |
| Retained earnings to average equity (ytd only) | 2.5031% | 4,117 |
| Net charge-offs to loans | 0.0898% | 5,943 |
| Credit loss provision to net charge-offs | 442.1053% | 523 |
| Earnings coverage of net charge-offs (x) | 28.1789% | 772 |
| Efficiency ratio | 61.3206% | 5,844 |
| Assets per employee ($millions) | 4.8971% | 2,298 |
| Cash dividends to net income (ytd only)* | 70.4545% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4215% | 4,419 |
| Loan loss allowance to noncurrent loans | 209.6306% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.8747% | 5,264 |
| Noncurrent loans to loans | 0.6781% | 5,688 |
| Net loans and leases to total assets | 62.5049% | 4,170 |
| Net loans and leases to deposits | 72.3137% | 4,464 |
| Net loans and leases to core deposits | 75.4545% | 4,796 |
| Total domestic deposits to total assets | 86.4358% | 3,114 |
| Equity capital to assets | 12.7599% | 1,501 |
| Core capital (leverage) ratio | 12.7712% | 1,211 |
| Tier 1 risk-based capital ratio | 17.9579% | 2,009 |
| Total risk-based capital ratio | 19.2012% | 1,974 |
| Memoranda: | ||
| Average total assets | $176,071,800 | 3,436 |
| Average earning assets | $162,105,000 | 3,410 |
| Average equity | $23,370,600 | 2,715 |
| Average total loans | $105,827,200 | 3,630 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5621% | 2,205 |
| Cost of funding earning assets | 1.8791% | 1,093 |
| Net interest margin | 3.6830% | 4,497 |
| Noninterest income to average assets | 0.4477% | 4,580 |
| Noninterest expense to average assets | 2.4028% | 6,030 |
| Loan and lease loss provision to assets | 0.1636% | 5,401 |
| Net operating income to assets | 1.0873% | 1,932 |
| Return on assets (ROA) | 1.0893% | 2,037 |
| Pretax return on assets | 1.2597% | 2,302 |
| Return on Equity (ROE) | 8.1277% | 2,851 |
| Retained earnings to average equity (ytd only) | 6.1495% | 2,286 |
| Net charge-offs to loans | 0.1048% | 5,493 |
| Credit loss provision to net charge-offs | 263.4146% | 1,252 |
| Earnings coverage of net charge-offs (x) | 22.8782% | 1,074 |
| Efficiency ratio | 62.8368% | 5,459 |
| Assets per employee ($millions) | 4.9738% | 2,215 |
| Cash dividends to net income (ytd only)* | 24.3396% | 2,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2798% | 5,064 |
| Loan loss allowance to noncurrent loans | 149.6788% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 1.0399% | 5,025 |
| Noncurrent loans to loans | 0.8550% | 5,512 |
| Net loans and leases to total assets | 60.2256% | 4,864 |
| Net loans and leases to deposits | 71.0740% | 4,983 |
| Net loans and leases to core deposits | 74.3145% | 5,255 |
| Total domestic deposits to total assets | 84.7365% | 3,759 |
| Equity capital to assets | 13.9505% | 1,178 |
| Core capital (leverage) ratio | 13.0683% | 1,202 |
| Tier 1 risk-based capital ratio | 18.9224% | 1,770 |
| Total risk-based capital ratio | 20.0508% | 1,765 |
| Memoranda: | ||
| Average total assets | $176,016,000 | 3,482 |
| Average earning assets | $161,349,500 | 3,471 |
| Average equity | $23,589,500 | 2,740 |
| Average total loans | $104,338,500 | 3,728 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5782% | 2,216 |
| Cost of funding earning assets | 1.9326% | 1,104 |
| Net interest margin | 3.6457% | 4,600 |
| Noninterest income to average assets | 0.4548% | 4,471 |
| Noninterest expense to average assets | 2.4205% | 6,006 |
| Loan and lease loss provision to assets | 0.1177% | 5,720 |
| Net operating income to assets | 1.0930% | 1,881 |
| Return on assets (ROA) | 1.0960% | 1,939 |
| Pretax return on assets | 1.2617% | 2,217 |
| Return on Equity (ROE) | 8.2936% | 2,765 |
| Retained earnings to average equity (ytd only) | 5.2667% | 2,738 |
| Net charge-offs to loans | 0.1344% | 4,869 |
| Credit loss provision to net charge-offs | 149.2754% | 2,644 |
| Earnings coverage of net charge-offs (x) | 17.4493% | 1,342 |
| Efficiency ratio | 63.7568% | 5,377 |
| Assets per employee ($millions) | 4.9449% | 2,248 |
| Cash dividends to net income (ytd only)* | 36.4964% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2315% | 5,284 |
| Loan loss allowance to noncurrent loans | 96.5056% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 1.1061% | 4,925 |
| Noncurrent loans to loans | 1.2761% | 4,831 |
| Net loans and leases to total assets | 58.4800% | 5,336 |
| Net loans and leases to deposits | 68.3418% | 5,521 |
| Net loans and leases to core deposits | 71.4384% | 5,730 |
| Total domestic deposits to total assets | 85.5700% | 3,334 |
| Equity capital to assets | 13.2947% | 1,441 |
| Core capital (leverage) ratio | 13.0622% | 1,185 |
| Tier 1 risk-based capital ratio | 19.1065% | 1,697 |
| Total risk-based capital ratio | 20.1867% | 1,705 |
| Memoranda: | ||
| Average total assets | $175,003,000 | 3,519 |
| Average earning assets | $160,409,330 | 3,508 |
| Average equity | $23,126,330 | 2,778 |
| Average total loans | $102,706,330 | 3,812 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5850% | 2,221 |
| Cost of funding earning assets | 1.9256% | 1,340 |
| Net interest margin | 3.6594% | 4,441 |
| Noninterest income to average assets | 0.4381% | 4,573 |
| Noninterest expense to average assets | 2.4877% | 5,776 |
| Loan and lease loss provision to assets | 0.1014% | 5,615 |
| Net operating income to assets | 1.0753% | 1,913 |
| Return on assets (ROA) | 1.0813% | 1,968 |
| Pretax return on assets | 1.2427% | 2,225 |
| Return on Equity (ROE) | 8.2079% | 2,780 |
| Retained earnings to average equity (ytd only) | 8.2079% | 1,621 |
| Net charge-offs to loans | 0.2368% | 3,517 |
| Credit loss provision to net charge-offs | 73.3333% | 4,026 |
| Earnings coverage of net charge-offs (x) | 9.6667% | 1,823 |
| Efficiency ratio | 65.0392% | 5,301 |
| Assets per employee ($millions) | 4.8244% | 2,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2293% | 5,338 |
| Loan loss allowance to noncurrent loans | 144.2775% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.8573% | 5,441 |
| Noncurrent loans to loans | 0.8520% | 5,605 |
| Net loans and leases to total assets | 57.7349% | 5,489 |
| Net loans and leases to deposits | 67.3844% | 5,664 |
| Net loans and leases to core deposits | 70.4934% | 5,875 |
| Total domestic deposits to total assets | 85.6800% | 3,330 |
| Equity capital to assets | 13.3521% | 1,380 |
| Core capital (leverage) ratio | 13.2513% | 1,138 |
| Tier 1 risk-based capital ratio | 19.6638% | 1,593 |
| Total risk-based capital ratio | 20.7394% | 1,593 |
| Memoranda: | ||
| Average total assets | $173,495,500 | 3,600 |
| Average earning assets | $160,573,500 | 3,554 |
| Average equity | $22,856,000 | 2,831 |
| Average total loans | $101,358,000 | 3,910 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6218% | 3,491 |
| Cost of funding earning assets | 2.2219% | 1,936 |
| Net interest margin | 3.3999% | 5,366 |
| Noninterest income to average assets | 0.5240% | 4,222 |
| Noninterest expense to average assets | 2.4248% | 6,392 |
| Loan and lease loss provision to assets | 0.0444% | 7,113 |
| Net operating income to assets | 1.0379% | 1,712 |
| Return on assets (ROA) | 1.0445% | 1,733 |
| Pretax return on assets | 1.2262% | 1,883 |
| Return on Equity (ROE) | 7.9518% | 2,391 |
| Retained earnings to average equity (ytd only) | 4.7565% | 1,940 |
| Net charge-offs to loans | 0.0077% | 7,126 |
| Credit loss provision to net charge-offs | 1,057.1429% | 280 |
| Earnings coverage of net charge-offs (x) | 300.8571% | 96 |
| Efficiency ratio | 65.7561% | 5,442 |
| Assets per employee ($millions) | 4.8142% | 2,460 |
| Cash dividends to net income (ytd only)* | 40.1837% | 2,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2491% | 5,060 |
| Loan loss allowance to noncurrent loans | 176.0446% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.6912% | 5,726 |
| Noncurrent loans to loans | 0.7095% | 5,828 |
| Net loans and leases to total assets | 57.6594% | 5,717 |
| Net loans and leases to deposits | 67.0595% | 5,937 |
| Net loans and leases to core deposits | 82.2916% | 5,888 |
| Total domestic deposits to total assets | 85.9824% | 3,028 |
| Equity capital to assets | 12.9951% | 1,507 |
| Core capital (leverage) ratio | 12.8192% | 1,304 |
| Tier 1 risk-based capital ratio | 19.3037% | 1,590 |
| Total risk-based capital ratio | 20.3954% | 1,588 |
| Memoranda: | ||
| Average total assets | $166,779,800 | 3,658 |
| Average earning assets | $155,182,200 | 3,610 |
| Average equity | $21,907,000 | 2,956 |
| Average total loans | $91,355,000 | 4,176 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6560% | 3,538 |
| Cost of funding earning assets | 2.2558% | 2,168 |
| Net interest margin | 3.4002% | 5,262 |
| Noninterest income to average assets | 0.5159% | 4,357 |
| Noninterest expense to average assets | 2.4745% | 6,159 |
| Loan and lease loss provision to assets | 0.0250% | 7,104 |
| Net operating income to assets | 0.9954% | 2,079 |
| Return on assets (ROA) | 1.0043% | 2,099 |
| Pretax return on assets | 1.1811% | 2,321 |
| Return on Equity (ROE) | 7.6247% | 2,808 |
| Retained earnings to average equity (ytd only) | 5.4795% | 2,217 |
| Net charge-offs to loans | 0.0060% | 6,876 |
| Credit loss provision to net charge-offs | 775.0000% | 492 |
| Earnings coverage of net charge-offs (x) | 370.4728% | 100 |
| Efficiency ratio | 67.4219% | 5,091 |
| Assets per employee ($millions) | 4.6708% | 2,602 |
| Cash dividends to net income (ytd only)* | 28.1353% | 2,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2961% | 4,534 |
| Loan loss allowance to noncurrent loans | 191.8495% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.6649% | 5,813 |
| Noncurrent loans to loans | 0.6756% | 5,951 |
| Net loans and leases to total assets | 55.4339% | 6,208 |
| Net loans and leases to deposits | 65.2359% | 6,377 |
| Net loans and leases to core deposits | 80.3876% | 6,319 |
| Total domestic deposits to total assets | 84.9745% | 3,250 |
| Equity capital to assets | 13.5339% | 1,483 |
| Core capital (leverage) ratio | 13.3872% | 1,269 |
| Tier 1 risk-based capital ratio | 20.5563% | 1,444 |
| Total risk-based capital ratio | 21.6898% | 1,426 |
| Memoranda: | ||
| Average total assets | $165,147,000 | 3,705 |
| Average earning assets | $153,203,500 | 3,665 |
| Average equity | $21,753,250 | 3,004 |
| Average total loans | $88,895,250 | 4,283 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6556% | 3,792 |
| Cost of funding earning assets | 2.2337% | 2,649 |
| Net interest margin | 3.4219% | 5,091 |
| Noninterest income to average assets | 0.5130% | 4,330 |
| Noninterest expense to average assets | 2.4734% | 6,210 |
| Loan and lease loss provision to assets | 0.0329% | 6,907 |
| Net operating income to assets | 0.9976% | 2,113 |
| Return on assets (ROA) | 1.0089% | 2,170 |
| Pretax return on assets | 1.2062% | 2,288 |
| Return on Equity (ROE) | 7.7316% | 2,875 |
| Retained earnings to average equity (ytd only) | 4.4634% | 2,808 |
| Net charge-offs to loans | 0.0046% | 6,545 |
| Credit loss provision to net charge-offs | 1,350.0000% | 373 |
| Earnings coverage of net charge-offs (x) | 503.0000% | 61 |
| Efficiency ratio | 66.8643% | 5,394 |
| Assets per employee ($millions) | 4.5488% | 2,694 |
| Cash dividends to net income (ytd only)* | 42.2705% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3019% | 4,261 |
| Loan loss allowance to noncurrent loans | 305.5000% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.5185% | 6,134 |
| Noncurrent loans to loans | 0.4262% | 6,453 |
| Net loans and leases to total assets | 56.5726% | 6,145 |
| Net loans and leases to deposits | 66.0598% | 6,386 |
| Net loans and leases to core deposits | 81.5193% | 6,279 |
| Total domestic deposits to total assets | 85.6384% | 2,945 |
| Equity capital to assets | 13.0181% | 1,683 |
| Core capital (leverage) ratio | 13.6081% | 1,239 |
| Tier 1 risk-based capital ratio | 20.4125% | 1,503 |
| Total risk-based capital ratio | 21.5575% | 1,475 |
| Memoranda: | ||
| Average total assets | $164,146,670 | 3,736 |
| Average earning assets | $152,839,670 | 3,687 |
| Average equity | $21,418,670 | 3,048 |
| Average total loans | $87,048,670 | 4,362 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5521% | 4,627 |
| Cost of funding earning assets | 2.2048% | 3,141 |
| Net interest margin | 3.3472% | 5,337 |
| Noninterest income to average assets | 0.4819% | 4,487 |
| Noninterest expense to average assets | 2.3390% | 6,405 |
| Loan and lease loss provision to assets | 0.0341% | 6,514 |
| Net operating income to assets | 1.0296% | 2,193 |
| Return on assets (ROA) | 1.0296% | 2,335 |
| Pretax return on assets | 1.2681% | 2,383 |
| Return on Equity (ROE) | 7.8811% | 3,202 |
| Retained earnings to average equity (ytd only) | 7.8811% | 1,862 |
| Net charge-offs to loans | -0.0765% | 7,813 |
| Credit loss provision to net charge-offs | -87.5000% | 6,205 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2380% | 5,646 |
| Assets per employee ($millions) | 4.3656% | 2,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4218% | 3,377 |
| Loan loss allowance to noncurrent loans | 220.6835% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.5733% | 5,752 |
| Noncurrent loans to loans | 0.6443% | 5,800 |
| Net loans and leases to total assets | 54.1298% | 6,451 |
| Net loans and leases to deposits | 63.8815% | 6,572 |
| Net loans and leases to core deposits | 79.2124% | 6,440 |
| Total domestic deposits to total assets | 84.7348% | 3,337 |
| Equity capital to assets | 13.7152% | 1,461 |
| Core capital (leverage) ratio | 13.8196% | 1,225 |
| Tier 1 risk-based capital ratio | 22.1133% | 1,290 |
| Total risk-based capital ratio | 23.3619% | 1,257 |
| Memoranda: | ||
| Average total assets | $164,342,000 | 3,756 |
| Average earning assets | $155,113,000 | 3,664 |
| Average equity | $21,469,000 | 3,048 |
| Average total loans | $83,641,500 | 4,507 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2022% | 4,505 |
| Cost of funding earning assets | 2.5649% | 3,879 |
| Net interest margin | 3.6373% | 4,729 |
| Noninterest income to average assets | 0.5805% | 4,001 |
| Noninterest expense to average assets | 2.3929% | 6,419 |
| Loan and lease loss provision to assets | 0.0601% | 6,656 |
| Net operating income to assets | 1.2225% | 1,707 |
| Return on assets (ROA) | 1.2249% | 1,644 |
| Pretax return on assets | 1.5681% | 1,489 |
| Return on Equity (ROE) | 9.3519% | 2,495 |
| Retained earnings to average equity (ytd only) | 6.4521% | 1,349 |
| Net charge-offs to loans | 0.0085% | 6,815 |
| Credit loss provision to net charge-offs | 1,357.1429% | 330 |
| Earnings coverage of net charge-offs (x) | 366.7143% | 134 |
| Efficiency ratio | 59.5557% | 6,427 |
| Assets per employee ($millions) | 4.7645% | 2,220 |
| Cash dividends to net income (ytd only)* | 31.0078% | 4,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4731% | 2,812 |
| Loan loss allowance to noncurrent loans | 322.4324% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.4163% | 5,969 |
| Noncurrent loans to loans | 0.4569% | 5,974 |
| Net loans and leases to total assets | 46.5197% | 7,281 |
| Net loans and leases to deposits | 54.0768% | 7,433 |
| Net loans and leases to core deposits | 64.7169% | 7,417 |
| Total domestic deposits to total assets | 86.0252% | 2,389 |
| Equity capital to assets | 12.4665% | 2,033 |
| Core capital (leverage) ratio | 13.9948% | 1,256 |
| Tier 1 risk-based capital ratio | 22.3379% | 1,274 |
| Total risk-based capital ratio | 23.5826% | 1,247 |
| Memoranda: | ||
| Average total assets | $157,966,000 | 3,757 |
| Average earning assets | $149,286,600 | 3,670 |
| Average equity | $20,691,000 | 3,135 |
| Average total loans | $82,523,600 | 4,436 |