Home > The First National Bank of St. Ignace > Performance and Condition Ratios
The First National Bank of St. Ignace, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0356% | 4,445 |
| Cost of funding earning assets | 1.2026% | 3,731 |
| Net interest margin | 1.8330% | 4,335 |
| Noninterest income to average assets | 0.5300% | 1,608 |
| Noninterest expense to average assets | 2.2739% | 2,915 |
| Loan and lease loss provision to assets | 0.0200% | 2,448 |
| Net operating income to assets | -0.0288% | 4,195 |
| Return on assets (ROA) | -0.0288% | 4,219 |
| Pretax return on assets | -0.0664% | 4,228 |
| Return on Equity (ROE) | -0.8000% | 4,227 |
| Retained earnings to average equity (ytd only) | -2.7636% | 3,972 |
| Net charge-offs to loans | -0.0452% | 4,275 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 102.1396% | 236 |
| Assets per employee ($millions) | 5.7297% | 3,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9268% | 3,531 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.1200% | 2,910 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 31.7500% | 4,169 |
| Net loans and leases to deposits | 33.1531% | 4,226 |
| Net loans and leases to core deposits | 35.9246% | 4,212 |
| Total domestic deposits to total assets | 95.7700% | 27 |
| Equity capital to assets | 3.8662% | 4,427 |
| Core capital (leverage) ratio | 7.6209% | 4,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9368% | 1,287 |
| Memoranda: | ||
| Average total assets | $319,098,500 | 2,393 |
| Average earning assets | $295,036,000 | 2,393 |
| Average equity | $11,434,500 | 3,663 |
| Average total loans | $97,238,500 | 3,244 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2719% | 4,440 |
| Cost of funding earning assets | 1.2061% | 3,803 |
| Net interest margin | 2.0658% | 4,225 |
| Noninterest income to average assets | 1.9400% | 265 |
| Noninterest expense to average assets | 2.3215% | 2,806 |
| Loan and lease loss provision to assets | 0.0200% | 2,766 |
| Net operating income to assets | 1.2124% | 1,470 |
| Return on assets (ROA) | 1.1115% | 1,714 |
| Pretax return on assets | 1.3721% | 1,580 |
| Return on Equity (ROE) | 41.8500% | 42 |
| Retained earnings to average equity (ytd only) | 39.8908% | 7 |
| Net charge-offs to loans | 0.0843% | 1,306 |
| Credit loss provision to net charge-offs | 101.3158% | 1,874 |
| Earnings coverage of net charge-offs (x) | 64.5526% | 1,061 |
| Efficiency ratio | 60.4227% | 3,118 |
| Assets per employee ($millions) | 5.4713% | 3,312 |
| Cash dividends to net income (ytd only)* | 4.6849% | 3,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0125% | 3,156 |
| Loan loss allowance to noncurrent loans | 375.7085% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.1992% | 2,464 |
| Noncurrent loans to loans | 0.2695% | 2,458 |
| Net loans and leases to total assets | 28.5900% | 4,241 |
| Net loans and leases to deposits | 29.6787% | 4,284 |
| Net loans and leases to core deposits | 31.0162% | 4,273 |
| Total domestic deposits to total assets | 96.3300% | 26 |
| Equity capital to assets | 3.2975% | 4,451 |
| Core capital (leverage) ratio | 7.2059% | 4,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2882% | 1,001 |
| Memoranda: | ||
| Average total assets | $322,636,800 | 2,344 |
| Average earning assets | $296,492,600 | 2,368 |
| Average equity | $8,568,400 | 3,917 |
| Average total loans | $90,174,200 | 3,298 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1653% | 4,485 |
| Cost of funding earning assets | 1.1939% | 3,827 |
| Net interest margin | 1.9714% | 4,285 |
| Noninterest income to average assets | 2.4400% | 213 |
| Noninterest expense to average assets | 2.3702% | 2,609 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | 1.4765% | 965 |
| Return on assets (ROA) | 1.3442% | 1,224 |
| Pretax return on assets | 1.6858% | 1,037 |
| Return on Equity (ROE) | 53.8000% | 24 |
| Retained earnings to average equity (ytd only) | 51.4246% | 10 |
| Net charge-offs to loans | 0.0727% | 1,178 |
| Credit loss provision to net charge-offs | 126.5306% | 1,444 |
| Earnings coverage of net charge-offs (x) | 93.0612% | 830 |
| Efficiency ratio | 55.8097% | 3,564 |
| Assets per employee ($millions) | 6.1587% | 2,745 |
| Cash dividends to net income (ytd only)* | 4.4091% | 2,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0525% | 2,985 |
| Loan loss allowance to noncurrent loans | 552.3529% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.1554% | 2,697 |
| Noncurrent loans to loans | 0.1905% | 2,782 |
| Net loans and leases to total assets | 24.7100% | 4,316 |
| Net loans and leases to deposits | 25.6700% | 4,348 |
| Net loans and leases to core deposits | 27.1118% | 4,334 |
| Total domestic deposits to total assets | 96.2700% | 6 |
| Equity capital to assets | 3.3247% | 4,500 |
| Core capital (leverage) ratio | 7.1047% | 4,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1215% | 1,069 |
| Memoranda: | ||
| Average total assets | $323,962,000 | 2,329 |
| Average earning assets | $297,509,250 | 2,355 |
| Average equity | $8,094,500 | 3,969 |
| Average total loans | $89,804,500 | 3,313 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1670% | 4,502 |
| Cost of funding earning assets | 1.1938% | 3,791 |
| Net interest margin | 1.9732% | 4,302 |
| Noninterest income to average assets | 3.5100% | 163 |
| Noninterest expense to average assets | 2.3913% | 2,544 |
| Loan and lease loss provision to assets | 0.0400% | 2,101 |
| Net operating income to assets | 2.2950% | 295 |
| Return on assets (ROA) | 2.0915% | 383 |
| Pretax return on assets | 2.6330% | 284 |
| Return on Equity (ROE) | 95.7600% | 7 |
| Retained earnings to average equity (ytd only) | 92.9470% | 4 |
| Net charge-offs to loans | 0.0267% | 1,615 |
| Credit loss provision to net charge-offs | 516.6667% | 619 |
| Earnings coverage of net charge-offs (x) | 382.0000% | 318 |
| Efficiency ratio | 44.9369% | 4,218 |
| Assets per employee ($millions) | 5.2822% | 3,387 |
| Cash dividends to net income (ytd only)* | 2.9340% | 2,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0885% | 2,857 |
| Loan loss allowance to noncurrent loans | 121.0918% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 0.3972% | 1,614 |
| Noncurrent loans to loans | 0.8989% | 1,051 |
| Net loans and leases to total assets | 28.9500% | 4,279 |
| Net loans and leases to deposits | 29.8606% | 4,334 |
| Net loans and leases to core deposits | 31.1024% | 4,319 |
| Total domestic deposits to total assets | 96.9400% | 9 |
| Equity capital to assets | 2.4281% | 4,515 |
| Core capital (leverage) ratio | 8.0259% | 4,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2984% | 1,032 |
| Memoranda: | ||
| Average total assets | $312,880,667 | 2,382 |
| Average earning assets | $287,149,667 | 2,403 |
| Average equity | $6,834,000 | 4,087 |
| Average total loans | $90,000,333 | 3,315 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0436% | 4,532 |
| Cost of funding earning assets | 1.1489% | 3,811 |
| Net interest margin | 1.8947% | 4,358 |
| Noninterest income to average assets | 0.3900% | 2,363 |
| Noninterest expense to average assets | 2.2598% | 2,908 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | -0.0489% | 4,321 |
| Return on assets (ROA) | -0.4517% | 4,432 |
| Pretax return on assets | -0.6390% | 4,452 |
| Return on Equity (ROE) | -21.8600% | 4,529 |
| Retained earnings to average equity (ytd only) | -24.8029% | 4,466 |
| Net charge-offs to loans | 0.0976% | 737 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | -4.6364% | 4,533 |
| Efficiency ratio | 106.0570% | 226 |
| Assets per employee ($millions) | 5.3138% | 3,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9984% | 3,311 |
| Loan loss allowance to noncurrent loans | 93.0041% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 0.4566% | 1,378 |
| Noncurrent loans to loans | 1.0735% | 786 |
| Net loans and leases to total assets | 29.6000% | 4,289 |
| Net loans and leases to deposits | 30.7033% | 4,342 |
| Net loans and leases to core deposits | 31.8147% | 4,380 |
| Total domestic deposits to total assets | 96.3900% | 42 |
| Equity capital to assets | 2.1209% | 4,543 |
| Core capital (leverage) ratio | 6.5040% | 4,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4503% | 1,722 |
| Memoranda: | ||
| Average total assets | $316,137,000 | 2,372 |
| Average earning assets | $290,712,000 | 2,386 |
| Average equity | $6,531,500 | 4,140 |
| Average total loans | $90,169,500 | 3,317 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1007% | 4,502 |
| Cost of funding earning assets | 1.0055% | 3,278 |
| Net interest margin | 2.0952% | 4,375 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 2.1420% | 3,285 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 0.1162% | 4,238 |
| Return on assets (ROA) | 0.0959% | 4,281 |
| Pretax return on assets | 0.1042% | 4,277 |
| Return on Equity (ROE) | 7.1400% | 3,244 |
| Retained earnings to average equity (ytd only) | -5.8481% | 4,410 |
| Net charge-offs to loans | -0.0209% | 4,170 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 94.7800% | 283 |
| Assets per employee ($millions) | 6.0998% | 2,734 |
| Cash dividends to net income (ytd only)* | 181.9315% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0312% | 3,154 |
| Loan loss allowance to noncurrent loans | 109.4563% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 0.3737% | 1,473 |
| Noncurrent loans to loans | 0.9422% | 792 |
| Net loans and leases to total assets | 26.9800% | 4,341 |
| Net loans and leases to deposits | 27.9391% | 4,376 |
| Net loans and leases to core deposits | 28.7184% | 4,407 |
| Total domestic deposits to total assets | 96.5700% | 32 |
| Equity capital to assets | 2.0155% | 4,567 |
| Core capital (leverage) ratio | 6.1721% | 4,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1175% | 1,829 |
| Memoranda: | ||
| Average total assets | $334,832,000 | 2,248 |
| Average earning assets | $305,024,600 | 2,276 |
| Average equity | $4,497,200 | 4,307 |
| Average total loans | $86,163,200 | 3,346 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9367% | 4,541 |
| Cost of funding earning assets | 0.9700% | 3,119 |
| Net interest margin | 1.9666% | 4,450 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 2.2598% | 2,916 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | -0.0383% | 4,451 |
| Return on assets (ROA) | -0.0615% | 4,446 |
| Pretax return on assets | -0.1122% | 4,450 |
| Return on Equity (ROE) | -5.2200% | 4,502 |
| Retained earnings to average equity (ytd only) | -23.2551% | 4,559 |
| Net charge-offs to loans | 0.0297% | 1,481 |
| Credit loss provision to net charge-offs | 210.5263% | 1,088 |
| Earnings coverage of net charge-offs (x) | -8.8947% | 4,596 |
| Efficiency ratio | 103.0566% | 145 |
| Assets per employee ($millions) | 6.7130% | 2,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0826% | 2,950 |
| Loan loss allowance to noncurrent loans | 49.5859% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 0.5430% | 1,076 |
| Noncurrent loans to loans | 2.1834% | 253 |
| Net loans and leases to total assets | 24.6000% | 4,391 |
| Net loans and leases to deposits | 25.0858% | 4,422 |
| Net loans and leases to core deposits | 25.6191% | 4,422 |
| Total domestic deposits to total assets | 98.0700% | 37 |
| Equity capital to assets | 0.5191% | 4,590 |
| Core capital (leverage) ratio | 6.0272% | 4,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3879% | 2,120 |
| Memoranda: | ||
| Average total assets | $336,192,500 | 2,242 |
| Average earning assets | $305,555,000 | 2,270 |
| Average equity | $3,961,750 | 4,370 |
| Average total loans | $85,255,500 | 3,356 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8674% | 4,577 |
| Cost of funding earning assets | 0.9224% | 2,859 |
| Net interest margin | 1.9450% | 4,509 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 2.2890% | 2,843 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | -0.0786% | 4,506 |
| Return on assets (ROA) | -0.1141% | 4,505 |
| Pretax return on assets | -0.1881% | 4,510 |
| Return on Equity (ROE) | -8.0600% | 4,568 |
| Retained earnings to average equity (ytd only) | -25.2000% | 4,593 |
| Net charge-offs to loans | 0.0024% | 2,272 |
| Credit loss provision to net charge-offs | 3,000.0000% | 180 |
| Earnings coverage of net charge-offs (x) | -206.0000% | 4,662 |
| Efficiency ratio | 105.7752% | 120 |
| Assets per employee ($millions) | 5.4664% | 3,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1211% | 2,837 |
| Loan loss allowance to noncurrent loans | 48.9362% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 0.6121% | 879 |
| Noncurrent loans to loans | 2.2910% | 214 |
| Net loans and leases to total assets | 26.4200% | 4,386 |
| Net loans and leases to deposits | 27.8235% | 4,420 |
| Net loans and leases to core deposits | 28.4969% | 4,420 |
| Total domestic deposits to total assets | 94.9400% | 97 |
| Equity capital to assets | 1.1209% | 4,622 |
| Core capital (leverage) ratio | 6.3572% | 4,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8856% | 1,939 |
| Memoranda: | ||
| Average total assets | $329,660,333 | 2,279 |
| Average earning assets | $303,136,000 | 2,293 |
| Average equity | $4,666,667 | 4,328 |
| Average total loans | $84,178,333 | 3,371 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8684% | 4,589 |
| Cost of funding earning assets | 0.7670% | 2,851 |
| Net interest margin | 2.1014% | 4,534 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 2.1739% | 3,174 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.1368% | 4,410 |
| Return on assets (ROA) | 0.0540% | 4,434 |
| Pretax return on assets | 0.0180% | 4,442 |
| Return on Equity (ROE) | 3.4700% | 4,122 |
| Retained earnings to average equity (ytd only) | -12.5566% | 4,520 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 94.8168% | 239 |
| Assets per employee ($millions) | 5.6111% | 3,106 |
| Cash dividends to net income (ytd only)* | 462.2222% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1234% | 2,941 |
| Loan loss allowance to noncurrent loans | 58.5126% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 0.4999% | 1,034 |
| Noncurrent loans to loans | 1.9199% | 305 |
| Net loans and leases to total assets | 25.7500% | 4,457 |
| Net loans and leases to deposits | 27.6863% | 4,485 |
| Net loans and leases to core deposits | 28.4027% | 4,478 |
| Total domestic deposits to total assets | 93.0000% | 310 |
| Equity capital to assets | 2.0633% | 4,633 |
| Core capital (leverage) ratio | 6.3983% | 4,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0153% | 1,973 |
| Memoranda: | ||
| Average total assets | $333,230,500 | 2,296 |
| Average earning assets | $306,649,000 | 2,311 |
| Average equity | $5,192,500 | 4,336 |
| Average total loans | $83,186,000 | 3,416 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4937% | 4,509 |
| Cost of funding earning assets | 0.2934% | 2,933 |
| Net interest margin | 2.2004% | 4,480 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 1.9330% | 3,764 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.3682% | 4,287 |
| Return on assets (ROA) | 0.3747% | 4,243 |
| Pretax return on assets | 0.4500% | 4,229 |
| Return on Equity (ROE) | 15.3700% | 1,175 |
| Retained earnings to average equity (ytd only) | 5.1838% | 2,970 |
| Net charge-offs to loans | -0.0036% | 3,561 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 80.8137% | 659 |
| Assets per employee ($millions) | 6.0896% | 2,693 |
| Cash dividends to net income (ytd only)* | 66.2687% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1479% | 2,654 |
| Loan loss allowance to noncurrent loans | 49.2898% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 0.5742% | 876 |
| Noncurrent loans to loans | 2.3289% | 210 |
| Net loans and leases to total assets | 23.6600% | 4,513 |
| Net loans and leases to deposits | 24.2966% | 4,544 |
| Net loans and leases to core deposits | 24.8377% | 4,536 |
| Total domestic deposits to total assets | 97.3900% | 44 |
| Equity capital to assets | 1.0762% | 4,676 |
| Core capital (leverage) ratio | 5.9792% | 4,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1920% | 1,905 |
| Memoranda: | ||
| Average total assets | $357,576,200 | 2,191 |
| Average earning assets | $325,175,200 | 2,217 |
| Average equity | $8,719,400 | 4,021 |
| Average total loans | $82,237,800 | 3,382 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3750% | 4,506 |
| Cost of funding earning assets | 0.2661% | 2,530 |
| Net interest margin | 2.1088% | 4,508 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 1.8504% | 3,873 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.3225% | 4,357 |
| Return on assets (ROA) | 0.3314% | 4,298 |
| Pretax return on assets | 0.3867% | 4,279 |
| Return on Equity (ROE) | 12.0100% | 2,030 |
| Retained earnings to average equity (ytd only) | 4.2076% | 3,373 |
| Net charge-offs to loans | -0.0113% | 3,753 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 82.4844% | 630 |
| Assets per employee ($millions) | 7.1241% | 1,859 |
| Cash dividends to net income (ytd only)* | 64.9611% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1306% | 2,879 |
| Loan loss allowance to noncurrent loans | 47.9523% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 0.5260% | 1,031 |
| Noncurrent loans to loans | 2.3577% | 232 |
| Net loans and leases to total assets | 21.4200% | 4,577 |
| Net loans and leases to deposits | 21.9802% | 4,599 |
| Net loans and leases to core deposits | 22.5513% | 4,593 |
| Total domestic deposits to total assets | 97.4700% | 64 |
| Equity capital to assets | 0.5172% | 4,707 |
| Core capital (leverage) ratio | 5.6836% | 4,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5867% | 2,221 |
| Memoranda: | ||
| Average total assets | $361,715,500 | 2,186 |
| Average earning assets | $328,135,750 | 2,213 |
| Average equity | $9,981,750 | 3,920 |
| Average total loans | $82,390,500 | 3,390 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2993% | 4,522 |
| Cost of funding earning assets | 0.2432% | 2,353 |
| Net interest margin | 2.0561% | 4,531 |
| Noninterest income to average assets | 0.3041% | 3,341 |
| Noninterest expense to average assets | 1.8540% | 3,829 |
| Loan and lease loss provision to assets | 0.0168% | 2,301 |
| Net operating income to assets | 0.2641% | 4,345 |
| Return on assets (ROA) | 0.2778% | 4,276 |
| Pretax return on assets | 0.3182% | 4,273 |
| Return on Equity (ROE) | 7.8211% | 3,066 |
| Retained earnings to average equity (ytd only) | 1.7538% | 3,810 |
| Net charge-offs to loans | 0.0097% | 1,622 |
| Credit loss provision to net charge-offs | 750.0000% | 491 |
| Earnings coverage of net charge-offs (x) | 142.2500% | 673 |
| Efficiency ratio | 85.3085% | 606 |
| Assets per employee ($millions) | 6.4256% | 2,372 |
| Cash dividends to net income (ytd only)* | 77.5758% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1058% | 3,141 |
| Loan loss allowance to noncurrent loans | 47.4684% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 0.5629% | 1,003 |
| Noncurrent loans to loans | 2.3295% | 261 |
| Net loans and leases to total assets | 23.1973% | 4,609 |
| Net loans and leases to deposits | 24.1265% | 4,640 |
| Net loans and leases to core deposits | 24.9046% | 4,635 |
| Total domestic deposits to total assets | 96.1485% | 77 |
| Equity capital to assets | 1.6353% | 4,738 |
| Core capital (leverage) ratio | 5.9609% | 4,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0642% | 2,034 |
| Memoranda: | ||
| Average total assets | $356,428,000 | 2,220 |
| Average earning assets | $324,011,667 | 2,257 |
| Average equity | $12,658,000 | 3,714 |
| Average total loans | $82,582,000 | 3,419 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2370% | 4,509 |
| Cost of funding earning assets | 0.2156% | 2,588 |
| Net interest margin | 2.0214% | 4,500 |
| Noninterest income to average assets | 0.2747% | 3,494 |
| Noninterest expense to average assets | 1.7932% | 3,952 |
| Loan and lease loss provision to assets | 0.0166% | 2,054 |
| Net operating income to assets | 0.2762% | 4,187 |
| Return on assets (ROA) | 0.3035% | 4,108 |
| Pretax return on assets | 0.3445% | 4,121 |
| Return on Equity (ROE) | 6.7864% | 3,104 |
| Retained earnings to average equity (ytd only) | 2.0310% | 3,530 |
| Net charge-offs to loans | -0.0096% | 3,571 |
| Credit loss provision to net charge-offs | -750.0000% | 3,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4549% | 817 |
| Assets per employee ($millions) | 6.3592% | 2,491 |
| Cash dividends to net income (ytd only)* | 70.0730% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0613% | 3,492 |
| Loan loss allowance to noncurrent loans | 46.7683% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 0.5504% | 1,094 |
| Noncurrent loans to loans | 2.2693% | 290 |
| Net loans and leases to total assets | 23.2980% | 4,624 |
| Net loans and leases to deposits | 24.6181% | 4,657 |
| Net loans and leases to core deposits | 25.3792% | 4,655 |
| Total domestic deposits to total assets | 94.6377% | 62 |
| Equity capital to assets | 3.2562% | 4,788 |
| Core capital (leverage) ratio | 5.6584% | 4,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8754% | 2,267 |
| Memoranda: | ||
| Average total assets | $361,152,000 | 2,202 |
| Average earning assets | $330,263,500 | 2,235 |
| Average equity | $16,150,000 | 3,457 |
| Average total loans | $83,178,000 | 3,415 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3751% | 4,553 |
| Cost of funding earning assets | 0.2682% | 2,720 |
| Net interest margin | 2.1069% | 4,539 |
| Noninterest income to average assets | 0.3056% | 3,580 |
| Noninterest expense to average assets | 2.0501% | 3,536 |
| Loan and lease loss provision to assets | 0.0130% | 2,821 |
| Net operating income to assets | 0.1751% | 4,558 |
| Return on assets (ROA) | 0.2503% | 4,498 |
| Pretax return on assets | 0.2341% | 4,542 |
| Return on Equity (ROE) | 3.7750% | 4,250 |
| Retained earnings to average equity (ytd only) | 0.2138% | 4,433 |
| Net charge-offs to loans | 0.0062% | 2,356 |
| Credit loss provision to net charge-offs | 900.0000% | 565 |
| Earnings coverage of net charge-offs (x) | 118.8000% | 788 |
| Efficiency ratio | 92.2636% | 265 |
| Assets per employee ($millions) | 6.5391% | 2,298 |
| Cash dividends to net income (ytd only)* | 94.3353% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0594% | 3,527 |
| Loan loss allowance to noncurrent loans | 45.1446% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 0.5754% | 1,149 |
| Noncurrent loans to loans | 2.3467% | 299 |
| Net loans and leases to total assets | 22.2902% | 4,692 |
| Net loans and leases to deposits | 24.1573% | 4,710 |
| Net loans and leases to core deposits | 24.8580% | 4,708 |
| Total domestic deposits to total assets | 92.2712% | 121 |
| Equity capital to assets | 5.6539% | 4,824 |
| Core capital (leverage) ratio | 5.4061% | 4,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5171% | 2,045 |
| Memoranda: | ||
| Average total assets | $345,544,000 | 2,220 |
| Average earning assets | $314,305,600 | 2,262 |
| Average equity | $22,913,800 | 2,994 |
| Average total loans | $81,127,000 | 3,457 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4513% | 4,606 |
| Cost of funding earning assets | 0.2877% | 2,715 |
| Net interest margin | 2.1636% | 4,591 |
| Noninterest income to average assets | 0.3576% | 3,315 |
| Noninterest expense to average assets | 2.0134% | 3,631 |
| Loan and lease loss provision to assets | 0.0176% | 2,657 |
| Net operating income to assets | 0.2981% | 4,522 |
| Return on assets (ROA) | 0.3659% | 4,455 |
| Pretax return on assets | 0.3561% | 4,541 |
| Return on Equity (ROE) | 5.3068% | 4,063 |
| Retained earnings to average equity (ytd only) | 1.7159% | 4,266 |
| Net charge-offs to loans | 0.0066% | 2,072 |
| Credit loss provision to net charge-offs | 1,125.0000% | 480 |
| Earnings coverage of net charge-offs (x) | 195.2500% | 565 |
| Efficiency ratio | 86.8097% | 407 |
| Assets per employee ($millions) | 6.9321% | 1,918 |
| Cash dividends to net income (ytd only)* | 67.6660% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0894% | 3,488 |
| Loan loss allowance to noncurrent loans | 45.2147% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 1.1427% | 535 |
| Noncurrent loans to loans | 2.4094% | 321 |
| Net loans and leases to total assets | 20.4414% | 4,792 |
| Net loans and leases to deposits | 22.2093% | 4,808 |
| Net loans and leases to core deposits | 22.8037% | 4,803 |
| Total domestic deposits to total assets | 92.0396% | 116 |
| Equity capital to assets | 5.9228% | 4,892 |
| Core capital (leverage) ratio | 5.6505% | 4,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5848% | 2,135 |
| Memoranda: | ||
| Average total assets | $340,383,000 | 2,265 |
| Average earning assets | $308,613,750 | 2,311 |
| Average equity | $23,466,250 | 2,980 |
| Average total loans | $80,784,250 | 3,513 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6622% | 4,495 |
| Cost of funding earning assets | 0.3189% | 2,597 |
| Net interest margin | 2.3433% | 4,470 |
| Noninterest income to average assets | 0.3600% | 3,302 |
| Noninterest expense to average assets | 2.1131% | 3,349 |
| Loan and lease loss provision to assets | 0.0185% | 2,590 |
| Net operating income to assets | 0.3686% | 4,440 |
| Return on assets (ROA) | 0.4642% | 4,325 |
| Pretax return on assets | 0.4438% | 4,459 |
| Return on Equity (ROE) | 6.3748% | 3,818 |
| Retained earnings to average equity (ytd only) | 2.7853% | 3,915 |
| Net charge-offs to loans | 0.0049% | 1,965 |
| Credit loss provision to net charge-offs | 1,500.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 297.5000% | 376 |
| Efficiency ratio | 85.2100% | 504 |
| Assets per employee ($millions) | 5.4631% | 3,174 |
| Cash dividends to net income (ytd only)* | 56.3081% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0315% | 3,711 |
| Loan loss allowance to noncurrent loans | 43.8231% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 1.3413% | 466 |
| Noncurrent loans to loans | 2.3538% | 372 |
| Net loans and leases to total assets | 24.8177% | 4,771 |
| Net loans and leases to deposits | 27.3881% | 4,790 |
| Net loans and leases to core deposits | 28.3173% | 4,798 |
| Total domestic deposits to total assets | 90.6149% | 511 |
| Equity capital to assets | 6.9455% | 4,857 |
| Core capital (leverage) ratio | 6.3618% | 4,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6531% | 2,104 |
| Memoranda: | ||
| Average total assets | $324,444,667 | 2,335 |
| Average earning assets | $293,521,333 | 2,383 |
| Average equity | $23,624,333 | 2,965 |
| Average total loans | $80,970,000 | 3,532 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3513% | 4,740 |
| Cost of funding earning assets | 0.3400% | 2,618 |
| Net interest margin | 2.0112% | 4,724 |
| Noninterest income to average assets | 0.3400% | 3,398 |
| Noninterest expense to average assets | 2.1297% | 3,329 |
| Loan and lease loss provision to assets | 0.0187% | 2,537 |
| Net operating income to assets | 0.1687% | 4,661 |
| Return on assets (ROA) | 0.3150% | 4,532 |
| Pretax return on assets | 0.1562% | 4,699 |
| Return on Equity (ROE) | 4.2240% | 4,243 |
| Retained earnings to average equity (ytd only) | 0.7375% | 4,261 |
| Net charge-offs to loans | -0.0050% | 3,396 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6682% | 209 |
| Assets per employee ($millions) | 5.8701% | 2,726 |
| Cash dividends to net income (ytd only)* | 82.5397% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0630% | 3,603 |
| Loan loss allowance to noncurrent loans | 38.5034% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 1.4582% | 448 |
| Noncurrent loans to loans | 2.7607% | 308 |
| Net loans and leases to total assets | 24.4762% | 4,805 |
| Net loans and leases to deposits | 27.0356% | 4,826 |
| Net loans and leases to core deposits | 27.9883% | 4,833 |
| Total domestic deposits to total assets | 90.5332% | 573 |
| Equity capital to assets | 7.0013% | 4,846 |
| Core capital (leverage) ratio | 6.3511% | 4,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7982% | 1,965 |
| Memoranda: | ||
| Average total assets | $320,042,000 | 2,340 |
| Average earning assets | $289,375,500 | 2,389 |
| Average equity | $23,863,500 | 2,939 |
| Average total loans | $79,671,500 | 3,571 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7940% | 4,754 |
| Cost of funding earning assets | 0.4667% | 3,177 |
| Net interest margin | 2.3273% | 4,703 |
| Noninterest income to average assets | 0.6705% | 1,952 |
| Noninterest expense to average assets | 2.1717% | 3,753 |
| Loan and lease loss provision to assets | 0.0881% | 3,261 |
| Net operating income to assets | 0.4424% | 4,159 |
| Return on assets (ROA) | 0.4902% | 4,132 |
| Pretax return on assets | 0.5732% | 4,139 |
| Return on Equity (ROE) | 5.8907% | 3,616 |
| Retained earnings to average equity (ytd only) | 2.3408% | 3,689 |
| Net charge-offs to loans | 0.5831% | 258 |
| Credit loss provision to net charge-offs | 55.5556% | 3,111 |
| Earnings coverage of net charge-offs (x) | 3.8205% | 3,051 |
| Efficiency ratio | 78.1898% | 1,018 |
| Assets per employee ($millions) | 5.6648% | 2,667 |
| Cash dividends to net income (ytd only)* | 60.2626% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0482% | 3,694 |
| Loan loss allowance to noncurrent loans | 39.0347% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 1.4617% | 510 |
| Noncurrent loans to loans | 2.6852% | 358 |
| Net loans and leases to total assets | 24.7892% | 4,841 |
| Net loans and leases to deposits | 27.6991% | 4,862 |
| Net loans and leases to core deposits | 28.5875% | 4,868 |
| Total domestic deposits to total assets | 89.4947% | 773 |
| Equity capital to assets | 7.9195% | 4,741 |
| Core capital (leverage) ratio | 6.1470% | 4,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8184% | 1,918 |
| Memoranda: | ||
| Average total assets | $295,167,200 | 2,315 |
| Average earning assets | $267,216,400 | 2,356 |
| Average equity | $24,564,000 | 2,838 |
| Average total loans | $80,262,600 | 3,549 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9232% | 4,782 |
| Cost of funding earning assets | 0.4924% | 3,273 |
| Net interest margin | 2.4308% | 4,703 |
| Noninterest income to average assets | 0.7227% | 1,729 |
| Noninterest expense to average assets | 2.2781% | 3,475 |
| Loan and lease loss provision to assets | 0.0207% | 4,075 |
| Net operating income to assets | 0.5483% | 3,912 |
| Return on assets (ROA) | 0.5892% | 3,897 |
| Pretax return on assets | 0.6702% | 3,969 |
| Return on Equity (ROE) | 6.9874% | 3,205 |
| Retained earnings to average equity (ytd only) | 3.6684% | 3,217 |
| Net charge-offs to loans | 0.0945% | 1,366 |
| Credit loss provision to net charge-offs | 78.9474% | 2,764 |
| Earnings coverage of net charge-offs (x) | 24.5614% | 1,758 |
| Efficiency ratio | 77.9493% | 1,042 |
| Assets per employee ($millions) | 6.0768% | 2,206 |
| Cash dividends to net income (ytd only)* | 47.5000% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3133% | 2,105 |
| Loan loss allowance to noncurrent loans | 36.9479% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 1.5539% | 539 |
| Noncurrent loans to loans | 3.5545% | 220 |
| Net loans and leases to total assets | 22.7221% | 4,906 |
| Net loans and leases to deposits | 25.2346% | 4,921 |
| Net loans and leases to core deposits | 26.0297% | 4,919 |
| Total domestic deposits to total assets | 90.0437% | 413 |
| Equity capital to assets | 7.5328% | 4,850 |
| Core capital (leverage) ratio | 6.4030% | 5,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5159% | 1,649 |
| Memoranda: | ||
| Average total assets | $289,651,250 | 2,327 |
| Average earning assets | $262,126,250 | 2,362 |
| Average equity | $24,424,250 | 2,838 |
| Average total loans | $80,460,250 | 3,567 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2992% | 4,652 |
| Cost of funding earning assets | 0.5691% | 3,132 |
| Net interest margin | 2.7301% | 4,528 |
| Noninterest income to average assets | 0.8850% | 1,207 |
| Noninterest expense to average assets | 2.4057% | 3,250 |
| Loan and lease loss provision to assets | 0.0220% | 3,972 |
| Net operating income to assets | 0.7847% | 3,087 |
| Return on assets (ROA) | 0.7691% | 3,275 |
| Pretax return on assets | 0.9048% | 3,301 |
| Return on Equity (ROE) | 8.7340% | 2,478 |
| Retained earnings to average equity (ytd only) | 5.4036% | 2,305 |
| Net charge-offs to loans | 0.1503% | 965 |
| Credit loss provision to net charge-offs | 49.1803% | 2,628 |
| Earnings coverage of net charge-offs (x) | 21.1311% | 1,664 |
| Efficiency ratio | 71.7943% | 1,714 |
| Assets per employee ($millions) | 5.0358% | 3,127 |
| Cash dividends to net income (ytd only)* | 38.1316% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2610% | 2,196 |
| Loan loss allowance to noncurrent loans | 42.8148% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 1.7759% | 459 |
| Noncurrent loans to loans | 2.9452% | 334 |
| Net loans and leases to total assets | 27.0777% | 4,900 |
| Net loans and leases to deposits | 30.5778% | 4,924 |
| Net loans and leases to core deposits | 31.5966% | 4,923 |
| Total domestic deposits to total assets | 88.5536% | 922 |
| Equity capital to assets | 8.6074% | 4,420 |
| Core capital (leverage) ratio | 7.3206% | 4,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5376% | 1,620 |
| Memoranda: | ||
| Average total assets | $272,769,000 | 2,394 |
| Average earning assets | $246,365,000 | 2,447 |
| Average equity | $24,021,000 | 2,854 |
| Average total loans | $81,163,000 | 3,557 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2419% | 4,848 |
| Cost of funding earning assets | 0.5930% | 3,471 |
| Net interest margin | 2.6489% | 4,719 |
| Noninterest income to average assets | 0.3801% | 3,229 |
| Noninterest expense to average assets | 2.5160% | 3,228 |
| Loan and lease loss provision to assets | 0.0228% | 3,522 |
| Net operating income to assets | 0.2640% | 4,425 |
| Return on assets (ROA) | 0.3983% | 4,177 |
| Pretax return on assets | 0.4317% | 4,235 |
| Return on Equity (ROE) | 4.4669% | 3,830 |
| Retained earnings to average equity (ytd only) | 1.0571% | 3,727 |
| Net charge-offs to loans | 0.2938% | 492 |
| Credit loss provision to net charge-offs | 25.0000% | 2,177 |
| Earnings coverage of net charge-offs (x) | 3.3833% | 2,219 |
| Efficiency ratio | 89.0743% | 530 |
| Assets per employee ($millions) | 4.9634% | 2,688 |
| Cash dividends to net income (ytd only)* | 76.3359% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2134% | 2,594 |
| Loan loss allowance to noncurrent loans | 25.3435% | 4,459 |
| Noncurrent assets plus other real estate owned to assets | 1.7114% | 568 |
| Noncurrent loans to loans | 4.7878% | 135 |
| Net loans and leases to total assets | 30.8248% | 4,891 |
| Net loans and leases to deposits | 35.1045% | 4,918 |
| Net loans and leases to core deposits | 36.5909% | 4,921 |
| Total domestic deposits to total assets | 87.8085% | 1,183 |
| Equity capital to assets | 9.1378% | 4,516 |
| Core capital (leverage) ratio | 7.4520% | 5,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6113% | 1,712 |
| Memoranda: | ||
| Average total assets | $263,116,500 | 2,406 |
| Average earning assets | $242,820,000 | 2,425 |
| Average equity | $23,461,500 | 2,886 |
| Average total loans | $81,696,000 | 3,553 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4831% | 4,868 |
| Cost of funding earning assets | 0.6933% | 3,192 |
| Net interest margin | 2.7898% | 4,765 |
| Noninterest income to average assets | 0.4326% | 3,090 |
| Noninterest expense to average assets | 2.5914% | 3,202 |
| Loan and lease loss provision to assets | 0.0227% | 3,566 |
| Net operating income to assets | 0.3676% | 4,655 |
| Return on assets (ROA) | 0.4121% | 4,608 |
| Pretax return on assets | 0.4201% | 4,678 |
| Return on Equity (ROE) | 4.8499% | 4,253 |
| Retained earnings to average equity (ytd only) | 0.1025% | 4,661 |
| Net charge-offs to loans | 0.0348% | 2,693 |
| Credit loss provision to net charge-offs | 206.8966% | 1,284 |
| Earnings coverage of net charge-offs (x) | 36.1724% | 1,399 |
| Efficiency ratio | 86.7047% | 503 |
| Assets per employee ($millions) | 4.4605% | 3,286 |
| Cash dividends to net income (ytd only)* | 97.8860% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2803% | 2,029 |
| Loan loss allowance to noncurrent loans | 22.9194% | 4,520 |
| Noncurrent assets plus other real estate owned to assets | 1.9432% | 414 |
| Noncurrent loans to loans | 5.5862% | 81 |
| Net loans and leases to total assets | 30.4998% | 4,962 |
| Net loans and leases to deposits | 34.5663% | 4,993 |
| Net loans and leases to core deposits | 36.0592% | 4,992 |
| Total domestic deposits to total assets | 88.2358% | 1,014 |
| Equity capital to assets | 8.6958% | 4,828 |
| Core capital (leverage) ratio | 7.1986% | 5,127 |
| Tier 1 risk-based capital ratio | 14.8844% | 2,829 |
| Total risk-based capital ratio | 15.6721% | 2,965 |
| Memoranda: | ||
| Average total assets | $263,988,800 | 2,369 |
| Average earning assets | $241,880,600 | 2,395 |
| Average equity | $22,433,400 | 2,926 |
| Average total loans | $83,424,200 | 3,535 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5145% | 4,952 |
| Cost of funding earning assets | 0.7046% | 3,197 |
| Net interest margin | 2.8100% | 4,850 |
| Noninterest income to average assets | 0.4522% | 3,007 |
| Noninterest expense to average assets | 2.5299% | 3,353 |
| Loan and lease loss provision to assets | 0.0227% | 3,456 |
| Net operating income to assets | 0.4399% | 4,639 |
| Return on assets (ROA) | 0.4456% | 4,666 |
| Pretax return on assets | 0.4759% | 4,729 |
| Return on Equity (ROE) | 5.2745% | 4,245 |
| Retained earnings to average equity (ytd only) | 0.3405% | 4,696 |
| Net charge-offs to loans | 0.0238% | 2,626 |
| Credit loss provision to net charge-offs | 300.0000% | 946 |
| Earnings coverage of net charge-offs (x) | 65.0650% | 1,007 |
| Efficiency ratio | 83.7035% | 632 |
| Assets per employee ($millions) | 5.0286% | 2,524 |
| Cash dividends to net income (ytd only)* | 93.5454% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2469% | 2,252 |
| Loan loss allowance to noncurrent loans | 23.4763% | 4,590 |
| Noncurrent assets plus other real estate owned to assets | 1.7088% | 597 |
| Noncurrent loans to loans | 5.3111% | 95 |
| Net loans and leases to total assets | 28.7373% | 5,071 |
| Net loans and leases to deposits | 32.2372% | 5,103 |
| Net loans and leases to core deposits | 33.5327% | 5,109 |
| Total domestic deposits to total assets | 89.1432% | 572 |
| Equity capital to assets | 8.2217% | 5,087 |
| Core capital (leverage) ratio | 7.2307% | 5,208 |
| Tier 1 risk-based capital ratio | 14.4049% | 3,137 |
| Total risk-based capital ratio | 15.1651% | 3,283 |
| Memoranda: | ||
| Average total assets | $264,193,000 | 2,381 |
| Average earning assets | $241,656,250 | 2,408 |
| Average equity | $22,320,500 | 2,953 |
| Average total loans | $83,953,250 | 3,563 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6230% | 4,916 |
| Cost of funding earning assets | 0.7499% | 2,891 |
| Net interest margin | 2.8731% | 4,849 |
| Noninterest income to average assets | 0.4160% | 3,165 |
| Noninterest expense to average assets | 2.6543% | 3,044 |
| Loan and lease loss provision to assets | 0.0234% | 3,339 |
| Net operating income to assets | 0.3701% | 4,776 |
| Return on assets (ROA) | 0.3716% | 4,793 |
| Pretax return on assets | 0.3607% | 4,876 |
| Return on Equity (ROE) | 4.3551% | 4,508 |
| Retained earnings to average equity (ytd only) | 0.8491% | 4,476 |
| Net charge-offs to loans | 0.0357% | 2,155 |
| Credit loss provision to net charge-offs | 200.0000% | 1,195 |
| Earnings coverage of net charge-offs (x) | 32.7333% | 1,399 |
| Efficiency ratio | 87.4038% | 467 |
| Assets per employee ($millions) | 3.9723% | 3,900 |
| Cash dividends to net income (ytd only)* | 80.5031% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2001% | 2,524 |
| Loan loss allowance to noncurrent loans | 27.9292% | 4,582 |
| Noncurrent assets plus other real estate owned to assets | 1.6277% | 661 |
| Noncurrent loans to loans | 4.2970% | 153 |
| Net loans and leases to total assets | 33.1923% | 5,044 |
| Net loans and leases to deposits | 37.8205% | 5,081 |
| Net loans and leases to core deposits | 39.7251% | 5,083 |
| Total domestic deposits to total assets | 87.7626% | 1,216 |
| Equity capital to assets | 9.1831% | 4,669 |
| Core capital (leverage) ratio | 7.8582% | 5,194 |
| Tier 1 risk-based capital ratio | 15.2254% | 2,741 |
| Total risk-based capital ratio | 16.0160% | 2,863 |
| Memoranda: | ||
| Average total assets | $256,713,670 | 2,441 |
| Average earning assets | $234,169,000 | 2,472 |
| Average equity | $21,905,330 | 2,979 |
| Average total loans | $84,134,330 | 3,581 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4163% | 5,098 |
| Cost of funding earning assets | 0.7442% | 2,813 |
| Net interest margin | 2.6721% | 5,088 |
| Noninterest income to average assets | 0.3784% | 3,333 |
| Noninterest expense to average assets | 2.5663% | 3,309 |
| Loan and lease loss provision to assets | 0.0233% | 3,129 |
| Net operating income to assets | 0.2791% | 4,923 |
| Return on assets (ROA) | 0.2822% | 4,931 |
| Pretax return on assets | 0.2528% | 4,998 |
| Return on Equity (ROE) | 3.4364% | 4,691 |
| Retained earnings to average equity (ytd only) | -0.1888% | 4,558 |
| Net charge-offs to loans | 0.0910% | 1,209 |
| Credit loss provision to net charge-offs | 78.9474% | 1,790 |
| Earnings coverage of net charge-offs (x) | 9.2632% | 2,041 |
| Efficiency ratio | 90.3878% | 379 |
| Assets per employee ($millions) | 4.5764% | 3,079 |
| Cash dividends to net income (ytd only)* | 105.4945% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2009% | 2,569 |
| Loan loss allowance to noncurrent loans | 27.7824% | 4,652 |
| Noncurrent assets plus other real estate owned to assets | 1.4468% | 849 |
| Noncurrent loans to loans | 4.3227% | 160 |
| Net loans and leases to total assets | 32.2935% | 5,106 |
| Net loans and leases to deposits | 36.4889% | 5,141 |
| Net loans and leases to core deposits | 38.1895% | 5,136 |
| Total domestic deposits to total assets | 88.5021% | 1,089 |
| Equity capital to assets | 8.4977% | 4,989 |
| Core capital (leverage) ratio | 7.6868% | 5,261 |
| Tier 1 risk-based capital ratio | 15.2828% | 2,758 |
| Total risk-based capital ratio | 16.0640% | 2,891 |
| Memoranda: | ||
| Average total assets | $257,956,500 | 2,458 |
| Average earning assets | $237,564,000 | 2,476 |
| Average equity | $21,185,000 | 3,057 |
| Average total loans | $83,497,000 | 3,622 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3575% | 5,041 |
| Cost of funding earning assets | 0.6012% | 2,707 |
| Net interest margin | 2.7562% | 5,059 |
| Noninterest income to average assets | 0.4397% | 3,167 |
| Noninterest expense to average assets | 2.5429% | 3,494 |
| Loan and lease loss provision to assets | -0.0262% | 5,145 |
| Net operating income to assets | 0.4215% | 4,826 |
| Return on assets (ROA) | 0.4248% | 4,814 |
| Pretax return on assets | 0.4386% | 4,893 |
| Return on Equity (ROE) | 5.6439% | 4,276 |
| Retained earnings to average equity (ytd only) | 1.9012% | 4,390 |
| Net charge-offs to loans | -0.0428% | 4,926 |
| Credit loss provision to net charge-offs | 194.4444% | 1,479 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1439% | 517 |
| Assets per employee ($millions) | 4.6363% | 2,978 |
| Cash dividends to net income (ytd only)* | 66.3139% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2136% | 2,499 |
| Loan loss allowance to noncurrent loans | 43.8940% | 4,413 |
| Noncurrent assets plus other real estate owned to assets | 0.9198% | 1,502 |
| Noncurrent loans to loans | 2.7648% | 401 |
| Net loans and leases to total assets | 31.6664% | 5,175 |
| Net loans and leases to deposits | 35.5567% | 5,207 |
| Net loans and leases to core deposits | 37.2128% | 5,207 |
| Total domestic deposits to total assets | 89.0587% | 831 |
| Equity capital to assets | 7.9312% | 5,186 |
| Core capital (leverage) ratio | 7.3154% | 5,337 |
| Tier 1 risk-based capital ratio | 15.2620% | 2,718 |
| Total risk-based capital ratio | 16.0473% | 2,851 |
| Memoranda: | ||
| Average total assets | $266,975,400 | 2,361 |
| Average earning assets | $243,338,000 | 2,387 |
| Average equity | $20,092,600 | 3,079 |
| Average total loans | $84,181,600 | 3,589 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3132% | 5,112 |
| Cost of funding earning assets | 0.5783% | 2,640 |
| Net interest margin | 2.7349% | 5,139 |
| Noninterest income to average assets | 0.4528% | 3,145 |
| Noninterest expense to average assets | 2.5003% | 3,600 |
| Loan and lease loss provision to assets | 0.0223% | 3,572 |
| Net operating income to assets | 0.4166% | 4,920 |
| Return on assets (ROA) | 0.4166% | 4,926 |
| Pretax return on assets | 0.4166% | 5,021 |
| Return on Equity (ROE) | 5.6089% | 4,384 |
| Retained earnings to average equity (ytd only) | 2.0833% | 4,555 |
| Net charge-offs to loans | -0.0521% | 4,943 |
| Credit loss provision to net charge-offs | -136.3636% | 4,270 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0658% | 573 |
| Assets per employee ($millions) | 5.0923% | 2,349 |
| Cash dividends to net income (ytd only)* | 62.8570% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3437% | 1,903 |
| Loan loss allowance to noncurrent loans | 43.4547% | 4,523 |
| Noncurrent assets plus other real estate owned to assets | 0.9359% | 1,567 |
| Noncurrent loans to loans | 3.0923% | 343 |
| Net loans and leases to total assets | 28.8869% | 5,295 |
| Net loans and leases to deposits | 31.9619% | 5,326 |
| Net loans and leases to core deposits | 33.4048% | 5,324 |
| Total domestic deposits to total assets | 90.3793% | 385 |
| Equity capital to assets | 6.8367% | 5,405 |
| Core capital (leverage) ratio | 7.2748% | 5,413 |
| Tier 1 risk-based capital ratio | 14.9113% | 2,924 |
| Total risk-based capital ratio | 15.7492% | 3,043 |
| Memoranda: | ||
| Average total assets | $268,811,250 | 2,351 |
| Average earning assets | $244,389,000 | 2,397 |
| Average equity | $19,967,750 | 3,112 |
| Average total loans | $84,420,500 | 3,615 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3530% | 5,089 |
| Cost of funding earning assets | 0.5835% | 2,342 |
| Net interest margin | 2.7696% | 5,157 |
| Noninterest income to average assets | 0.4025% | 3,465 |
| Noninterest expense to average assets | 2.5448% | 3,502 |
| Loan and lease loss provision to assets | 0.0228% | 3,463 |
| Net operating income to assets | 0.3622% | 5,033 |
| Return on assets (ROA) | 0.3546% | 5,040 |
| Pretax return on assets | 0.3326% | 5,125 |
| Return on Equity (ROE) | 4.6410% | 4,651 |
| Retained earnings to average equity (ytd only) | 1.1429% | 4,725 |
| Net charge-offs to loans | -0.0779% | 5,074 |
| Credit loss provision to net charge-offs | -90.9091% | 4,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5163% | 494 |
| Assets per employee ($millions) | 4.5701% | 3,013 |
| Cash dividends to net income (ytd only)* | 75.3747% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2841% | 2,245 |
| Loan loss allowance to noncurrent loans | 41.5541% | 4,570 |
| Noncurrent assets plus other real estate owned to assets | 1.3843% | 1,008 |
| Noncurrent loans to loans | 3.0901% | 354 |
| Net loans and leases to total assets | 32.6695% | 5,277 |
| Net loans and leases to deposits | 36.5599% | 5,315 |
| Net loans and leases to core deposits | 38.4266% | 5,316 |
| Total domestic deposits to total assets | 89.3588% | 785 |
| Equity capital to assets | 7.5951% | 5,346 |
| Core capital (leverage) ratio | 7.7292% | 5,409 |
| Tier 1 risk-based capital ratio | 14.7359% | 3,005 |
| Total risk-based capital ratio | 15.5609% | 3,125 |
| Memoranda: | ||
| Average total assets | $263,359,330 | 2,393 |
| Average earning assets | $238,233,330 | 2,449 |
| Average equity | $20,125,000 | 3,118 |
| Average total loans | $84,728,000 | 3,631 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3163% | 5,118 |
| Cost of funding earning assets | 0.5772% | 2,191 |
| Net interest margin | 2.7391% | 5,222 |
| Noninterest income to average assets | 0.4079% | 3,407 |
| Noninterest expense to average assets | 2.6149% | 3,297 |
| Loan and lease loss provision to assets | 0.0227% | 3,232 |
| Net operating income to assets | 0.2900% | 5,111 |
| Return on assets (ROA) | 0.2900% | 5,114 |
| Pretax return on assets | 0.2508% | 5,218 |
| Return on Equity (ROE) | 3.7842% | 4,824 |
| Retained earnings to average equity (ytd only) | 0.3153% | 4,758 |
| Net charge-offs to loans | -0.0048% | 3,990 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5335% | 419 |
| Assets per employee ($millions) | 4.9444% | 2,552 |
| Cash dividends to net income (ytd only)* | 91.6667% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2635% | 2,438 |
| Loan loss allowance to noncurrent loans | 58.6512% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 1.1700% | 1,310 |
| Noncurrent loans to loans | 2.1543% | 710 |
| Net loans and leases to total assets | 31.6386% | 5,331 |
| Net loans and leases to deposits | 35.3588% | 5,372 |
| Net loans and leases to core deposits | 37.0382% | 5,374 |
| Total domestic deposits to total assets | 89.4788% | 900 |
| Equity capital to assets | 7.4897% | 5,419 |
| Core capital (leverage) ratio | 7.4665% | 5,517 |
| Tier 1 risk-based capital ratio | 14.9124% | 2,905 |
| Total risk-based capital ratio | 15.7178% | 3,046 |
| Memoranda: | ||
| Average total assets | $264,790,500 | 2,405 |
| Average earning assets | $239,784,000 | 2,449 |
| Average equity | $20,295,000 | 3,133 |
| Average total loans | $83,987,000 | 3,673 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2415% | 5,143 |
| Cost of funding earning assets | 0.5363% | 2,063 |
| Net interest margin | 2.7051% | 5,272 |
| Noninterest income to average assets | 0.4423% | 3,356 |
| Noninterest expense to average assets | 2.5823% | 3,500 |
| Loan and lease loss provision to assets | -0.0351% | 5,365 |
| Net operating income to assets | -0.0581% | 5,396 |
| Return on assets (ROA) | -0.0458% | 5,397 |
| Pretax return on assets | 0.3463% | 5,159 |
| Return on Equity (ROE) | -0.6331% | 5,408 |
| Retained earnings to average equity (ytd only) | -4.5137% | 5,419 |
| Net charge-offs to loans | -0.0183% | 4,935 |
| Credit loss provision to net charge-offs | 633.3333% | 506 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8394% | 440 |
| Assets per employee ($millions) | 4.7773% | 2,765 |
| Cash dividends to net income (ytd only)* | -612.9032% | 5,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2428% | 2,514 |
| Loan loss allowance to noncurrent loans | 69.4149% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 1.0990% | 1,383 |
| Noncurrent loans to loans | 1.7904% | 894 |
| Net loans and leases to total assets | 31.0095% | 5,417 |
| Net loans and leases to deposits | 34.7723% | 5,451 |
| Net loans and leases to core deposits | 36.5008% | 5,451 |
| Total domestic deposits to total assets | 89.1787% | 914 |
| Equity capital to assets | 7.8358% | 5,445 |
| Core capital (leverage) ratio | 7.1747% | 5,588 |
| Tier 1 risk-based capital ratio | 14.8928% | 2,895 |
| Total risk-based capital ratio | 15.6853% | 3,035 |
| Memoranda: | ||
| Average total assets | $270,844,600 | 2,345 |
| Average earning assets | $243,501,600 | 2,396 |
| Average equity | $19,584,800 | 3,191 |
| Average total loans | $81,791,600 | 3,711 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2253% | 5,202 |
| Cost of funding earning assets | 0.5276% | 2,054 |
| Net interest margin | 2.6977% | 5,322 |
| Noninterest income to average assets | 0.4270% | 3,503 |
| Noninterest expense to average assets | 2.3253% | 4,232 |
| Loan and lease loss provision to assets | 0.0221% | 3,702 |
| Net operating income to assets | 0.4683% | 4,828 |
| Return on assets (ROA) | 0.4829% | 4,817 |
| Pretax return on assets | 0.5168% | 4,990 |
| Return on Equity (ROE) | 6.8189% | 3,764 |
| Retained earnings to average equity (ytd only) | 3.1599% | 4,025 |
| Net charge-offs to loans | 0.0033% | 3,622 |
| Credit loss provision to net charge-offs | 2,250.0000% | 187 |
| Earnings coverage of net charge-offs (x) | 532.3221% | 191 |
| Efficiency ratio | 81.6334% | 949 |
| Assets per employee ($millions) | 5.1318% | 2,297 |
| Cash dividends to net income (ytd only)* | 53.6582% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4294% | 1,780 |
| Loan loss allowance to noncurrent loans | 70.5989% | 4,120 |
| Noncurrent assets plus other real estate owned to assets | 1.1305% | 1,462 |
| Noncurrent loans to loans | 2.0247% | 840 |
| Net loans and leases to total assets | 28.0030% | 5,535 |
| Net loans and leases to deposits | 31.5709% | 5,566 |
| Net loans and leases to core deposits | 32.8475% | 5,570 |
| Total domestic deposits to total assets | 88.6991% | 1,013 |
| Equity capital to assets | 6.9218% | 5,663 |
| Core capital (leverage) ratio | 7.5794% | 5,612 |
| Tier 1 risk-based capital ratio | 15.4252% | 2,734 |
| Total risk-based capital ratio | 16.2832% | 2,833 |
| Memoranda: | ||
| Average total assets | $271,673,750 | 2,354 |
| Average earning assets | $243,859,500 | 2,410 |
| Average equity | $19,240,250 | 3,249 |
| Average total loans | $81,238,750 | 3,750 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2683% | 5,153 |
| Cost of funding earning assets | 0.5322% | 1,895 |
| Net interest margin | 2.7361% | 5,324 |
| Noninterest income to average assets | 0.4211% | 3,552 |
| Noninterest expense to average assets | 2.3263% | 4,271 |
| Loan and lease loss provision to assets | 0.0225% | 3,538 |
| Net operating income to assets | 0.4936% | 4,723 |
| Return on assets (ROA) | 0.4887% | 4,772 |
| Pretax return on assets | 0.5217% | 4,971 |
| Return on Equity (ROE) | 6.8443% | 3,641 |
| Retained earnings to average equity (ytd only) | 3.1436% | 3,837 |
| Net charge-offs to loans | 0.0074% | 3,190 |
| Credit loss provision to net charge-offs | 1,000.0000% | 384 |
| Earnings coverage of net charge-offs (x) | 244.0000% | 348 |
| Efficiency ratio | 80.8927% | 1,116 |
| Assets per employee ($millions) | 4.7097% | 2,773 |
| Cash dividends to net income (ytd only)* | 54.0707% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3290% | 2,278 |
| Loan loss allowance to noncurrent loans | 74.7238% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 1.2129% | 1,402 |
| Noncurrent loans to loans | 1.7785% | 1,019 |
| Net loans and leases to total assets | 32.3739% | 5,494 |
| Net loans and leases to deposits | 36.9370% | 5,523 |
| Net loans and leases to core deposits | 38.8393% | 5,527 |
| Total domestic deposits to total assets | 87.6463% | 1,643 |
| Equity capital to assets | 7.5555% | 5,648 |
| Core capital (leverage) ratio | 8.0209% | 5,515 |
| Tier 1 risk-based capital ratio | 15.3586% | 2,776 |
| Total risk-based capital ratio | 16.2162% | 2,875 |
| Memoranda: | ||
| Average total assets | $266,437,330 | 2,397 |
| Average earning assets | $239,026,670 | 2,458 |
| Average equity | $19,023,000 | 3,273 |
| Average total loans | $81,104,000 | 3,764 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1665% | 5,288 |
| Cost of funding earning assets | 0.5197% | 1,937 |
| Net interest margin | 2.6468% | 5,438 |
| Noninterest income to average assets | 0.3869% | 3,759 |
| Noninterest expense to average assets | 2.2809% | 4,453 |
| Loan and lease loss provision to assets | 0.0224% | 3,291 |
| Net operating income to assets | 0.4481% | 4,788 |
| Return on assets (ROA) | 0.4481% | 4,808 |
| Pretax return on assets | 0.4571% | 5,042 |
| Return on Equity (ROE) | 6.4617% | 3,686 |
| Retained earnings to average equity (ytd only) | 2.6708% | 4,073 |
| Net charge-offs to loans | 0.0204% | 2,370 |
| Credit loss provision to net charge-offs | 375.0000% | 674 |
| Earnings coverage of net charge-offs (x) | 80.2500% | 653 |
| Efficiency ratio | 82.6299% | 1,099 |
| Assets per employee ($millions) | 4.7614% | 2,758 |
| Cash dividends to net income (ytd only)* | 58.6667% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4246% | 1,973 |
| Loan loss allowance to noncurrent loans | 217.0172% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 0.8221% | 2,237 |
| Noncurrent loans to loans | 0.6564% | 2,866 |
| Net loans and leases to total assets | 29.4546% | 5,599 |
| Net loans and leases to deposits | 33.4135% | 5,626 |
| Net loans and leases to core deposits | 35.2130% | 5,634 |
| Total domestic deposits to total assets | 88.1519% | 1,623 |
| Equity capital to assets | 7.1114% | 5,744 |
| Core capital (leverage) ratio | 7.9063% | 5,594 |
| Tier 1 risk-based capital ratio | 15.3748% | 2,808 |
| Total risk-based capital ratio | 16.2201% | 2,909 |
| Memoranda: | ||
| Average total assets | $267,784,500 | 2,413 |
| Average earning assets | $240,141,000 | 2,469 |
| Average equity | $18,571,000 | 3,340 |
| Average total loans | $78,389,000 | 3,854 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1960% | 5,310 |
| Cost of funding earning assets | 0.5097% | 2,017 |
| Net interest margin | 2.6862% | 5,434 |
| Noninterest income to average assets | 0.4249% | 3,714 |
| Noninterest expense to average assets | 2.6409% | 3,557 |
| Loan and lease loss provision to assets | 0.0229% | 3,912 |
| Net operating income to assets | 0.2541% | 5,313 |
| Return on assets (ROA) | 0.3401% | 5,189 |
| Pretax return on assets | 0.2873% | 5,377 |
| Return on Equity (ROE) | 3.6578% | 4,954 |
| Retained earnings to average equity (ytd only) | 0.5672% | 5,100 |
| Net charge-offs to loans | 0.1008% | 2,272 |
| Credit loss provision to net charge-offs | 75.0000% | 3,057 |
| Earnings coverage of net charge-offs (x) | 7.3375% | 3,031 |
| Efficiency ratio | 92.1723% | 452 |
| Assets per employee ($millions) | 5.3786% | 1,975 |
| Cash dividends to net income (ytd only)* | 84.4944% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4578% | 1,846 |
| Loan loss allowance to noncurrent loans | 61.5553% | 4,410 |
| Noncurrent assets plus other real estate owned to assets | 1.2996% | 1,351 |
| Noncurrent loans to loans | 2.3682% | 687 |
| Net loans and leases to total assets | 28.2533% | 5,676 |
| Net loans and leases to deposits | 31.8932% | 5,713 |
| Net loans and leases to core deposits | 33.3200% | 5,716 |
| Total domestic deposits to total assets | 88.5873% | 1,328 |
| Equity capital to assets | 6.7602% | 5,817 |
| Core capital (leverage) ratio | 7.6048% | 5,729 |
| Tier 1 risk-based capital ratio | 14.9641% | 2,978 |
| Total risk-based capital ratio | 15.7803% | 3,120 |
| Memoranda: | ||
| Average total assets | $261,724,800 | 2,424 |
| Average earning assets | $237,767,800 | 2,455 |
| Average equity | $24,331,800 | 2,775 |
| Average total loans | $79,395,600 | 3,810 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2209% | 5,332 |
| Cost of funding earning assets | 0.5068% | 2,049 |
| Net interest margin | 2.7141% | 5,478 |
| Noninterest income to average assets | 0.4329% | 3,675 |
| Noninterest expense to average assets | 2.3924% | 4,304 |
| Loan and lease loss provision to assets | 0.0231% | 3,784 |
| Net operating income to assets | 0.4610% | 4,832 |
| Return on assets (ROA) | 0.4832% | 4,843 |
| Pretax return on assets | 0.5160% | 5,092 |
| Return on Equity (ROE) | 4.8550% | 4,577 |
| Retained earnings to average equity (ytd only) | 2.1337% | 4,624 |
| Net charge-offs to loans | 0.0650% | 2,412 |
| Credit loss provision to net charge-offs | 115.3846% | 2,152 |
| Earnings coverage of net charge-offs (x) | 25.7687% | 1,625 |
| Efficiency ratio | 82.2720% | 1,161 |
| Assets per employee ($millions) | 5.3955% | 1,957 |
| Cash dividends to net income (ytd only)* | 56.0507% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4601% | 1,935 |
| Loan loss allowance to noncurrent loans | 80.9859% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 0.9552% | 2,167 |
| Noncurrent loans to loans | 1.8029% | 1,146 |
| Net loans and leases to total assets | 27.6625% | 5,763 |
| Net loans and leases to deposits | 30.9406% | 5,803 |
| Net loans and leases to core deposits | 32.1408% | 5,802 |
| Total domestic deposits to total assets | 89.4053% | 723 |
| Equity capital to assets | 9.4424% | 4,721 |
| Core capital (leverage) ratio | 9.5750% | 4,089 |
| Tier 1 risk-based capital ratio | 19.4122% | 1,570 |
| Total risk-based capital ratio | 20.2790% | 1,624 |
| Memoranda: | ||
| Average total assets | $259,924,000 | 2,451 |
| Average earning assets | $237,030,000 | 2,465 |
| Average equity | $25,869,750 | 2,672 |
| Average total loans | $79,968,250 | 3,825 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2930% | 5,302 |
| Cost of funding earning assets | 0.5186% | 1,949 |
| Net interest margin | 2.7744% | 5,470 |
| Noninterest income to average assets | 0.4213% | 3,727 |
| Noninterest expense to average assets | 2.4272% | 4,244 |
| Loan and lease loss provision to assets | 0.0237% | 3,656 |
| Net operating income to assets | 0.4987% | 4,685 |
| Return on assets (ROA) | 0.5280% | 4,688 |
| Pretax return on assets | 0.5280% | 5,081 |
| Return on Equity (ROE) | 5.2061% | 4,424 |
| Retained earnings to average equity (ytd only) | 2.4628% | 4,315 |
| Net charge-offs to loans | 0.0547% | 2,419 |
| Credit loss provision to net charge-offs | 136.3636% | 1,709 |
| Earnings coverage of net charge-offs (x) | 30.0455% | 1,386 |
| Efficiency ratio | 82.2883% | 1,237 |
| Assets per employee ($millions) | 4.6279% | 2,827 |
| Cash dividends to net income (ytd only)* | 52.6946% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4004% | 2,293 |
| Loan loss allowance to noncurrent loans | 46.7343% | 4,890 |
| Noncurrent assets plus other real estate owned to assets | 1.6348% | 1,116 |
| Noncurrent loans to loans | 2.9965% | 502 |
| Net loans and leases to total assets | 31.8671% | 5,742 |
| Net loans and leases to deposits | 36.0721% | 5,787 |
| Net loans and leases to core deposits | 37.7611% | 5,792 |
| Total domestic deposits to total assets | 88.3429% | 1,253 |
| Equity capital to assets | 10.3292% | 3,816 |
| Core capital (leverage) ratio | 10.3198% | 3,166 |
| Tier 1 risk-based capital ratio | 19.5835% | 1,541 |
| Total risk-based capital ratio | 20.4619% | 1,610 |
| Memoranda: | ||
| Average total assets | $253,044,000 | 2,506 |
| Average earning assets | $230,611,000 | 2,530 |
| Average equity | $25,662,330 | 2,692 |
| Average total loans | $80,370,670 | 3,834 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4191% | 5,079 |
| Cost of funding earning assets | 0.5244% | 1,915 |
| Net interest margin | 2.8947% | 5,330 |
| Noninterest income to average assets | 0.3789% | 3,997 |
| Noninterest expense to average assets | 2.3258% | 4,587 |
| Loan and lease loss provision to assets | 0.0238% | 3,374 |
| Net operating income to assets | 0.5781% | 4,280 |
| Return on assets (ROA) | 0.6136% | 4,235 |
| Pretax return on assets | 0.7134% | 4,480 |
| Return on Equity (ROE) | 6.1070% | 3,930 |
| Retained earnings to average equity (ytd only) | 3.3297% | 3,830 |
| Net charge-offs to loans | -0.0252% | 4,987 |
| Credit loss provision to net charge-offs | -300.0000% | 4,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9675% | 2,046 |
| Assets per employee ($millions) | 4.6852% | 2,767 |
| Cash dividends to net income (ytd only)* | 45.4780% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4534% | 2,181 |
| Loan loss allowance to noncurrent loans | 48.6826% | 4,863 |
| Noncurrent assets plus other real estate owned to assets | 1.5727% | 1,273 |
| Noncurrent loans to loans | 2.9855% | 554 |
| Net loans and leases to total assets | 31.1943% | 5,796 |
| Net loans and leases to deposits | 35.2576% | 5,844 |
| Net loans and leases to core deposits | 36.8972% | 5,841 |
| Total domestic deposits to total assets | 88.4755% | 1,364 |
| Equity capital to assets | 10.1743% | 3,871 |
| Core capital (leverage) ratio | 10.0426% | 3,483 |
| Tier 1 risk-based capital ratio | 19.1415% | 1,698 |
| Total risk-based capital ratio | 20.0230% | 1,751 |
| Memoranda: | ||
| Average total assets | $252,300,000 | 2,523 |
| Average earning assets | $230,356,000 | 2,545 |
| Average equity | $25,348,000 | 2,716 |
| Average total loans | $79,424,000 | 3,873 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3355% | 5,284 |
| Cost of funding earning assets | 0.5121% | 2,053 |
| Net interest margin | 2.8234% | 5,472 |
| Noninterest income to average assets | 0.4481% | 3,686 |
| Noninterest expense to average assets | 2.5086% | 4,201 |
| Loan and lease loss provision to assets | -0.0563% | 5,764 |
| Net operating income to assets | 0.5639% | 4,445 |
| Return on assets (ROA) | 0.6090% | 4,324 |
| Pretax return on assets | 0.6090% | 4,809 |
| Return on Equity (ROE) | 6.1224% | 3,981 |
| Retained earnings to average equity (ytd only) | 3.0814% | 3,865 |
| Net charge-offs to loans | 0.0631% | 2,968 |
| Credit loss provision to net charge-offs | -274.5098% | 5,334 |
| Earnings coverage of net charge-offs (x) | 24.7451% | 1,655 |
| Efficiency ratio | 83.1711% | 1,258 |
| Assets per employee ($millions) | 4.6592% | 2,795 |
| Cash dividends to net income (ytd only)* | 49.6697% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4525% | 2,201 |
| Loan loss allowance to noncurrent loans | 43.3826% | 5,030 |
| Noncurrent assets plus other real estate owned to assets | 1.9277% | 935 |
| Noncurrent loans to loans | 3.3481% | 435 |
| Net loans and leases to total assets | 30.8499% | 5,868 |
| Net loans and leases to deposits | 34.7645% | 5,913 |
| Net loans and leases to core deposits | 36.6693% | 5,907 |
| Total domestic deposits to total assets | 88.7396% | 1,262 |
| Equity capital to assets | 9.9186% | 4,051 |
| Core capital (leverage) ratio | 9.4963% | 4,173 |
| Tier 1 risk-based capital ratio | 18.6994% | 1,775 |
| Total risk-based capital ratio | 19.5709% | 1,831 |
| Memoranda: | ||
| Average total assets | $248,622,000 | 2,518 |
| Average earning assets | $226,142,400 | 2,538 |
| Average equity | $24,728,800 | 2,719 |
| Average total loans | $80,866,800 | 3,798 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3863% | 5,227 |
| Cost of funding earning assets | 0.5084% | 2,136 |
| Net interest margin | 2.8779% | 5,453 |
| Noninterest income to average assets | 0.4126% | 3,995 |
| Noninterest expense to average assets | 2.3952% | 4,525 |
| Loan and lease loss provision to assets | 0.0054% | 4,159 |
| Net operating income to assets | 0.5484% | 4,597 |
| Return on assets (ROA) | 0.5793% | 4,577 |
| Pretax return on assets | 0.6627% | 4,798 |
| Return on Equity (ROE) | 5.8201% | 4,237 |
| Retained earnings to average equity (ytd only) | 3.0965% | 4,250 |
| Net charge-offs to loans | 0.0819% | 2,377 |
| Credit loss provision to net charge-offs | 20.0000% | 3,365 |
| Earnings coverage of net charge-offs (x) | 23.5182% | 1,730 |
| Efficiency ratio | 79.1082% | 1,790 |
| Assets per employee ($millions) | 4.9726% | 2,332 |
| Cash dividends to net income (ytd only)* | 46.7966% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6348% | 1,656 |
| Loan loss allowance to noncurrent loans | 67.5000% | 4,471 |
| Noncurrent assets plus other real estate owned to assets | 1.6904% | 1,282 |
| Noncurrent loans to loans | 2.4219% | 852 |
| Net loans and leases to total assets | 29.0409% | 6,002 |
| Net loans and leases to deposits | 32.4744% | 6,045 |
| Net loans and leases to core deposits | 34.0475% | 6,045 |
| Total domestic deposits to total assets | 89.4273% | 808 |
| Equity capital to assets | 9.3408% | 4,952 |
| Core capital (leverage) ratio | 9.9959% | 3,631 |
| Tier 1 risk-based capital ratio | 18.0435% | 2,011 |
| Total risk-based capital ratio | 19.0042% | 2,068 |
| Memoranda: | ||
| Average total assets | $247,877,750 | 2,542 |
| Average earning assets | $225,253,750 | 2,566 |
| Average equity | $24,672,250 | 2,740 |
| Average total loans | $81,393,000 | 3,820 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5143% | 4,949 |
| Cost of funding earning assets | 0.5193% | 2,075 |
| Net interest margin | 2.9950% | 5,233 |
| Noninterest income to average assets | 0.3826% | 4,213 |
| Noninterest expense to average assets | 2.4880% | 4,277 |
| Loan and lease loss provision to assets | 0.0083% | 3,943 |
| Net operating income to assets | 0.5383% | 4,620 |
| Return on assets (ROA) | 0.5627% | 4,614 |
| Pretax return on assets | 0.6324% | 4,887 |
| Return on Equity (ROE) | 5.5266% | 4,358 |
| Retained earnings to average equity (ytd only) | 2.7878% | 4,271 |
| Net charge-offs to loans | 0.1145% | 1,862 |
| Credit loss provision to net charge-offs | 21.2766% | 3,006 |
| Earnings coverage of net charge-offs (x) | 15.7234% | 1,957 |
| Efficiency ratio | 80.2248% | 1,727 |
| Assets per employee ($millions) | 4.4403% | 3,078 |
| Cash dividends to net income (ytd only)* | 49.5575% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5693% | 2,015 |
| Loan loss allowance to noncurrent loans | 66.0397% | 4,593 |
| Noncurrent assets plus other real estate owned to assets | 1.9185% | 1,174 |
| Noncurrent loans to loans | 2.3762% | 968 |
| Net loans and leases to total assets | 33.9816% | 5,909 |
| Net loans and leases to deposits | 38.4671% | 5,959 |
| Net loans and leases to core deposits | 40.6322% | 5,938 |
| Total domestic deposits to total assets | 88.3394% | 1,472 |
| Equity capital to assets | 10.1700% | 3,836 |
| Core capital (leverage) ratio | 10.1397% | 3,412 |
| Tier 1 risk-based capital ratio | 20.7623% | 1,414 |
| Total risk-based capital ratio | 21.8799% | 1,405 |
| Memoranda: | ||
| Average total assets | $240,996,670 | 2,602 |
| Average earning assets | $218,763,330 | 2,631 |
| Average equity | $24,535,670 | 2,765 |
| Average total loans | $82,098,330 | 3,822 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4980% | 4,973 |
| Cost of funding earning assets | 0.5190% | 2,120 |
| Net interest margin | 2.9790% | 5,271 |
| Noninterest income to average assets | 0.3659% | 4,286 |
| Noninterest expense to average assets | 2.4469% | 4,459 |
| Loan and lease loss provision to assets | 0.0166% | 3,508 |
| Net operating income to assets | 0.5390% | 4,517 |
| Return on assets (ROA) | 0.5579% | 4,561 |
| Pretax return on assets | 0.6324% | 4,822 |
| Return on Equity (ROE) | 5.4772% | 4,297 |
| Retained earnings to average equity (ytd only) | 2.7467% | 4,307 |
| Net charge-offs to loans | 0.2104% | 1,102 |
| Credit loss provision to net charge-offs | 23.2558% | 2,333 |
| Earnings coverage of net charge-offs (x) | 8.8140% | 2,057 |
| Efficiency ratio | 79.5907% | 1,944 |
| Assets per employee ($millions) | 4.8938% | 2,496 |
| Cash dividends to net income (ytd only)* | 49.8516% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5894% | 2,088 |
| Loan loss allowance to noncurrent loans | 52.1200% | 4,961 |
| Noncurrent assets plus other real estate owned to assets | 1.9220% | 1,263 |
| Noncurrent loans to loans | 3.0495% | 699 |
| Net loans and leases to total assets | 32.9714% | 5,966 |
| Net loans and leases to deposits | 37.3026% | 6,010 |
| Net loans and leases to core deposits | 38.9930% | 6,006 |
| Total domestic deposits to total assets | 88.3890% | 1,601 |
| Equity capital to assets | 10.2141% | 3,867 |
| Core capital (leverage) ratio | 9.9567% | 3,654 |
| Tier 1 risk-based capital ratio | 16.6147% | 2,629 |
| Total risk-based capital ratio | 16.6147% | 3,148 |
| Memoranda: | ||
| Average total assets | $241,608,000 | 2,624 |
| Average earning assets | $219,670,000 | 2,644 |
| Average equity | $24,611,000 | 2,779 |
| Average total loans | $81,758,500 | 3,835 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6690% | 4,880 |
| Cost of funding earning assets | 0.6407% | 1,464 |
| Net interest margin | 3.0283% | 5,381 |
| Noninterest income to average assets | 0.4404% | 3,896 |
| Noninterest expense to average assets | 2.6108% | 4,176 |
| Loan and lease loss provision to assets | 0.0461% | 3,650 |
| Net operating income to assets | 0.4936% | 4,836 |
| Return on assets (ROA) | 0.5736% | 4,574 |
| Pretax return on assets | 0.5958% | 4,957 |
| Return on Equity (ROE) | 5.7674% | 4,277 |
| Retained earnings to average equity (ytd only) | 2.7364% | 4,293 |
| Net charge-offs to loans | 0.0023% | 4,923 |
| Credit loss provision to net charge-offs | 5,500.0000% | 53 |
| Earnings coverage of net charge-offs (x) | 667.0000% | 73 |
| Efficiency ratio | 82.3778% | 1,618 |
| Assets per employee ($millions) | 4.7705% | 2,634 |
| Cash dividends to net income (ytd only)* | 52.5547% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6385% | 1,960 |
| Loan loss allowance to noncurrent loans | 63.4077% | 4,706 |
| Noncurrent assets plus other real estate owned to assets | 1.8128% | 1,439 |
| Noncurrent loans to loans | 2.5841% | 971 |
| Net loans and leases to total assets | 33.6233% | 6,056 |
| Net loans and leases to deposits | 38.0338% | 6,099 |
| Net loans and leases to core deposits | 39.6896% | 6,102 |
| Total domestic deposits to total assets | 88.4037% | 1,564 |
| Equity capital to assets | 10.1578% | 3,911 |
| Core capital (leverage) ratio | 9.9682% | 3,621 |
| Tier 1 risk-based capital ratio | 18.6088% | 1,957 |
| Total risk-based capital ratio | 19.6580% | 1,984 |
| Memoranda: | ||
| Average total assets | $238,851,400 | 2,623 |
| Average earning assets | $215,235,600 | 2,658 |
| Average equity | $23,754,200 | 2,776 |
| Average total loans | $85,893,000 | 3,718 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6985% | 4,864 |
| Cost of funding earning assets | 0.6589% | 1,397 |
| Net interest margin | 3.0395% | 5,404 |
| Noninterest income to average assets | 0.4235% | 4,071 |
| Noninterest expense to average assets | 2.5295% | 4,432 |
| Loan and lease loss provision to assets | 0.0502% | 3,367 |
| Net operating income to assets | 0.5020% | 4,865 |
| Return on assets (ROA) | 0.5340% | 4,815 |
| Pretax return on assets | 0.6144% | 4,985 |
| Return on Equity (ROE) | 5.3985% | 4,536 |
| Retained earnings to average equity (ytd only) | 2.6908% | 4,672 |
| Net charge-offs to loans | 0.0015% | 4,661 |
| Credit loss provision to net charge-offs | 9,000.0000% | 46 |
| Earnings coverage of net charge-offs (x) | 1,127.7895% | 57 |
| Efficiency ratio | 80.1166% | 1,900 |
| Assets per employee ($millions) | 5.0729% | 2,157 |
| Cash dividends to net income (ytd only)* | 50.1564% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5647% | 2,437 |
| Loan loss allowance to noncurrent loans | 54.3317% | 4,978 |
| Noncurrent assets plus other real estate owned to assets | 1.8881% | 1,553 |
| Noncurrent loans to loans | 2.8798% | 944 |
| Net loans and leases to total assets | 32.6656% | 6,159 |
| Net loans and leases to deposits | 36.6453% | 6,223 |
| Net loans and leases to core deposits | 38.7767% | 6,216 |
| Total domestic deposits to total assets | 89.1400% | 1,157 |
| Equity capital to assets | 9.5688% | 4,715 |
| Core capital (leverage) ratio | 10.1089% | 3,518 |
| Tier 1 risk-based capital ratio | 18.0597% | 2,196 |
| Total risk-based capital ratio | 19.0589% | 2,235 |
| Memoranda: | ||
| Average total assets | $238,933,000 | 2,641 |
| Average earning assets | $214,895,250 | 2,679 |
| Average equity | $23,635,500 | 2,796 |
| Average total loans | $86,982,250 | 3,730 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8095% | 4,493 |
| Cost of funding earning assets | 0.6782% | 1,318 |
| Net interest margin | 3.1313% | 5,153 |
| Noninterest income to average assets | 0.4136% | 4,142 |
| Noninterest expense to average assets | 2.5946% | 4,260 |
| Loan and lease loss provision to assets | 0.0513% | 3,280 |
| Net operating income to assets | 0.5022% | 4,801 |
| Return on assets (ROA) | 0.5427% | 4,731 |
| Pretax return on assets | 0.6281% | 4,855 |
| Return on Equity (ROE) | 5.4219% | 4,473 |
| Retained earnings to average equity (ytd only) | 2.6896% | 4,495 |
| Net charge-offs to loans | 0.0045% | 4,225 |
| Credit loss provision to net charge-offs | 3,000.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 370.0000% | 189 |
| Efficiency ratio | 80.4025% | 1,962 |
| Assets per employee ($millions) | 4.2629% | 3,349 |
| Cash dividends to net income (ytd only)* | 50.3937% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4732% | 3,017 |
| Loan loss allowance to noncurrent loans | 48.5650% | 5,224 |
| Noncurrent assets plus other real estate owned to assets | 2.1420% | 1,439 |
| Noncurrent loans to loans | 3.0334% | 945 |
| Net loans and leases to total assets | 36.6842% | 6,023 |
| Net loans and leases to deposits | 41.5651% | 6,084 |
| Net loans and leases to core deposits | 43.5396% | 6,086 |
| Total domestic deposits to total assets | 88.2572% | 1,757 |
| Equity capital to assets | 10.2586% | 3,752 |
| Core capital (leverage) ratio | 10.2212% | 3,311 |
| Tier 1 risk-based capital ratio | 18.6045% | 2,037 |
| Total risk-based capital ratio | 19.6185% | 2,070 |
| Memoranda: | ||
| Average total assets | $234,028,670 | 2,688 |
| Average earning assets | $210,263,330 | 2,738 |
| Average equity | $23,423,670 | 2,810 |
| Average total loans | $87,919,000 | 3,717 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8341% | 4,344 |
| Cost of funding earning assets | 0.6859% | 1,332 |
| Net interest margin | 3.1482% | 5,097 |
| Noninterest income to average assets | 0.3832% | 4,325 |
| Noninterest expense to average assets | 2.5285% | 4,527 |
| Loan and lease loss provision to assets | 0.0513% | 3,073 |
| Net operating income to assets | 0.5119% | 4,628 |
| Return on assets (ROA) | 0.5748% | 4,398 |
| Pretax return on assets | 0.7168% | 4,432 |
| Return on Equity (ROE) | 5.8158% | 4,123 |
| Retained earnings to average equity (ytd only) | 3.0464% | 4,287 |
| Net charge-offs to loans | 0.0317% | 2,955 |
| Credit loss provision to net charge-offs | 428.5714% | 614 |
| Earnings coverage of net charge-offs (x) | 57.5714% | 677 |
| Efficiency ratio | 78.5752% | 2,398 |
| Assets per employee ($millions) | 4.6831% | 2,678 |
| Cash dividends to net income (ytd only)* | 47.6190% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4444% | 3,393 |
| Loan loss allowance to noncurrent loans | 61.6864% | 4,785 |
| Noncurrent assets plus other real estate owned to assets | 1.8821% | 1,834 |
| Noncurrent loans to loans | 2.3416% | 1,513 |
| Net loans and leases to total assets | 36.4532% | 6,046 |
| Net loans and leases to deposits | 41.1421% | 6,124 |
| Net loans and leases to core deposits | 43.0757% | 6,116 |
| Total domestic deposits to total assets | 88.6033% | 1,890 |
| Equity capital to assets | 9.9614% | 3,887 |
| Core capital (leverage) ratio | 10.0046% | 3,570 |
| Tier 1 risk-based capital ratio | 18.1053% | 2,250 |
| Total risk-based capital ratio | 19.0844% | 2,337 |
| Memoranda: | ||
| Average total assets | $233,814,000 | 2,706 |
| Average earning assets | $210,533,000 | 2,747 |
| Average equity | $23,109,500 | 2,834 |
| Average total loans | $88,231,000 | 3,744 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7988% | 4,825 |
| Cost of funding earning assets | 0.7524% | 1,482 |
| Net interest margin | 3.0464% | 5,457 |
| Noninterest income to average assets | 0.4268% | 4,256 |
| Noninterest expense to average assets | 2.6020% | 4,454 |
| Loan and lease loss provision to assets | 0.0384% | 4,347 |
| Net operating income to assets | 0.5254% | 4,615 |
| Return on assets (ROA) | 0.5535% | 4,614 |
| Pretax return on assets | 0.5915% | 4,897 |
| Return on Equity (ROE) | 5.6083% | 4,322 |
| Retained earnings to average equity (ytd only) | 2.6333% | 4,376 |
| Net charge-offs to loans | 0.1965% | 2,890 |
| Credit loss provision to net charge-offs | 52.9412% | 3,753 |
| Earnings coverage of net charge-offs (x) | 8.2706% | 2,697 |
| Efficiency ratio | 81.2608% | 1,983 |
| Assets per employee ($millions) | 4.4052% | 3,077 |
| Cash dividends to net income (ytd only)* | 53.0455% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3667% | 3,812 |
| Loan loss allowance to noncurrent loans | 71.5201% | 4,435 |
| Noncurrent assets plus other real estate owned to assets | 1.7707% | 2,091 |
| Noncurrent loans to loans | 1.9109% | 2,107 |
| Net loans and leases to total assets | 37.9598% | 6,095 |
| Net loans and leases to deposits | 42.7548% | 6,187 |
| Net loans and leases to core deposits | 44.7188% | 6,197 |
| Total domestic deposits to total assets | 88.7850% | 1,761 |
| Equity capital to assets | 9.8058% | 4,032 |
| Core capital (leverage) ratio | 9.4559% | 4,326 |
| Tier 1 risk-based capital ratio | 16.8361% | 2,688 |
| Total risk-based capital ratio | 17.7800% | 2,813 |
| Memoranda: | ||
| Average total assets | $234,319,200 | 2,675 |
| Average earning assets | $213,464,400 | 2,685 |
| Average equity | $23,126,600 | 2,805 |
| Average total loans | $86,497,000 | 3,769 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8033% | 4,842 |
| Cost of funding earning assets | 0.7674% | 1,497 |
| Net interest margin | 3.0359% | 5,505 |
| Noninterest income to average assets | 0.4127% | 4,430 |
| Noninterest expense to average assets | 2.6930% | 4,040 |
| Loan and lease loss provision to assets | 0.0426% | 4,159 |
| Net operating income to assets | 0.4201% | 5,159 |
| Return on assets (ROA) | 0.4275% | 5,270 |
| Pretax return on assets | 0.4582% | 5,482 |
| Return on Equity (ROE) | 4.3246% | 5,062 |
| Retained earnings to average equity (ytd only) | 1.5642% | 5,347 |
| Net charge-offs to loans | -0.0047% | 5,774 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5289% | 1,531 |
| Assets per employee ($millions) | 4.5563% | 2,792 |
| Cash dividends to net income (ytd only)* | 63.8295% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6352% | 2,867 |
| Loan loss allowance to noncurrent loans | 82.4019% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 1.6522% | 2,488 |
| Noncurrent loans to loans | 1.9844% | 2,267 |
| Net loans and leases to total assets | 33.8873% | 6,365 |
| Net loans and leases to deposits | 37.9850% | 6,450 |
| Net loans and leases to core deposits | 39.5085% | 6,462 |
| Total domestic deposits to total assets | 89.2123% | 1,453 |
| Equity capital to assets | 9.0644% | 5,112 |
| Core capital (leverage) ratio | 9.5824% | 4,281 |
| Tier 1 risk-based capital ratio | 17.3662% | 2,553 |
| Total risk-based capital ratio | 18.4517% | 2,592 |
| Memoranda: | ||
| Average total assets | $234,530,750 | 2,690 |
| Average earning assets | $214,227,750 | 2,692 |
| Average equity | $23,184,750 | 2,825 |
| Average total loans | $85,657,750 | 3,820 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8668% | 4,598 |
| Cost of funding earning assets | 0.7965% | 1,439 |
| Net interest margin | 3.0703% | 5,366 |
| Noninterest income to average assets | 0.3789% | 4,679 |
| Noninterest expense to average assets | 2.6676% | 4,152 |
| Loan and lease loss provision to assets | 0.0520% | 3,944 |
| Net operating income to assets | 0.4434% | 5,044 |
| Return on assets (ROA) | 0.4491% | 5,188 |
| Pretax return on assets | 0.4760% | 5,448 |
| Return on Equity (ROE) | 4.4125% | 5,045 |
| Retained earnings to average equity (ytd only) | 1.6866% | 5,172 |
| Net charge-offs to loans | 0.0163% | 4,516 |
| Credit loss provision to net charge-offs | 857.1429% | 353 |
| Earnings coverage of net charge-offs (x) | 86.0000% | 528 |
| Efficiency ratio | 83.6369% | 1,676 |
| Assets per employee ($millions) | 3.9667% | 3,881 |
| Cash dividends to net income (ytd only)* | 61.7761% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5597% | 3,316 |
| Loan loss allowance to noncurrent loans | 64.4718% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 2.0420% | 2,116 |
| Noncurrent loans to loans | 2.4191% | 1,937 |
| Net loans and leases to total assets | 37.9929% | 6,180 |
| Net loans and leases to deposits | 43.1157% | 6,276 |
| Net loans and leases to core deposits | 45.2290% | 6,271 |
| Total domestic deposits to total assets | 88.1185% | 2,160 |
| Equity capital to assets | 9.9819% | 3,936 |
| Core capital (leverage) ratio | 9.7627% | 3,847 |
| Tier 1 risk-based capital ratio | 18.0935% | 2,287 |
| Total risk-based capital ratio | 19.1949% | 2,300 |
| Memoranda: | ||
| Average total assets | $230,694,670 | 2,735 |
| Average earning assets | $211,183,000 | 2,731 |
| Average equity | $23,479,000 | 2,823 |
| Average total loans | $85,956,330 | 3,820 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8949% | 4,490 |
| Cost of funding earning assets | 0.8025% | 1,513 |
| Net interest margin | 3.0923% | 5,287 |
| Noninterest income to average assets | 0.3708% | 4,698 |
| Noninterest expense to average assets | 2.4567% | 4,927 |
| Loan and lease loss provision to assets | 0.0515% | 3,760 |
| Net operating income to assets | 0.5809% | 4,307 |
| Return on assets (ROA) | 0.5837% | 4,444 |
| Pretax return on assets | 0.7039% | 4,561 |
| Return on Equity (ROE) | 5.6823% | 4,210 |
| Retained earnings to average equity (ytd only) | 3.0083% | 4,481 |
| Net charge-offs to loans | 0.0422% | 3,445 |
| Credit loss provision to net charge-offs | 333.3333% | 725 |
| Earnings coverage of net charge-offs (x) | 48.6667% | 686 |
| Efficiency ratio | 76.5650% | 2,834 |
| Assets per employee ($millions) | 4.3014% | 3,335 |
| Cash dividends to net income (ytd only)* | 47.0588% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5448% | 3,643 |
| Loan loss allowance to noncurrent loans | 51.9547% | 5,076 |
| Noncurrent assets plus other real estate owned to assets | 2.0786% | 2,258 |
| Noncurrent loans to loans | 2.9734% | 1,690 |
| Net loans and leases to total assets | 36.4658% | 6,263 |
| Net loans and leases to deposits | 41.5193% | 6,346 |
| Net loans and leases to core deposits | 43.3442% | 6,346 |
| Total domestic deposits to total assets | 87.8287% | 2,434 |
| Equity capital to assets | 10.3184% | 3,776 |
| Core capital (leverage) ratio | 9.9521% | 3,452 |
| Tier 1 risk-based capital ratio | 18.2536% | 2,272 |
| Total risk-based capital ratio | 19.3016% | 2,304 |
| Memoranda: | ||
| Average total assets | $232,992,000 | 2,745 |
| Average earning assets | $213,820,000 | 2,722 |
| Average equity | $23,934,000 | 2,807 |
| Average total loans | $85,303,000 | 3,861 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9954% | 5,324 |
| Cost of funding earning assets | 0.9479% | 1,655 |
| Net interest margin | 3.0475% | 5,934 |
| Noninterest income to average assets | 0.5106% | 3,829 |
| Noninterest expense to average assets | 2.5769% | 4,831 |
| Loan and lease loss provision to assets | 0.0516% | 5,167 |
| Net operating income to assets | 0.6470% | 4,006 |
| Return on assets (ROA) | 0.5828% | 4,578 |
| Pretax return on assets | 0.5987% | 4,998 |
| Return on Equity (ROE) | 5.7505% | 4,279 |
| Retained earnings to average equity (ytd only) | 2.8329% | 4,244 |
| Net charge-offs to loans | 0.0799% | 4,870 |
| Credit loss provision to net charge-offs | 179.1045% | 1,468 |
| Earnings coverage of net charge-offs (x) | 24.8806% | 1,157 |
| Efficiency ratio | 78.2461% | 2,405 |
| Assets per employee ($millions) | 4.3279% | 3,293 |
| Cash dividends to net income (ytd only)* | 50.7375% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5465% | 3,540 |
| Loan loss allowance to noncurrent loans | 51.4758% | 5,059 |
| Noncurrent assets plus other real estate owned to assets | 2.2896% | 2,142 |
| Noncurrent loans to loans | 3.0044% | 1,732 |
| Net loans and leases to total assets | 35.6289% | 6,456 |
| Net loans and leases to deposits | 40.5091% | 6,527 |
| Net loans and leases to core deposits | 42.3525% | 6,533 |
| Total domestic deposits to total assets | 87.9530% | 2,268 |
| Equity capital to assets | 10.2268% | 3,856 |
| Core capital (leverage) ratio | 9.9364% | 3,489 |
| Tier 1 risk-based capital ratio | 18.1909% | 2,195 |
| Total risk-based capital ratio | 19.2250% | 2,238 |
| Memoranda: | ||
| Average total assets | $232,678,400 | 2,699 |
| Average earning assets | $212,471,400 | 2,702 |
| Average equity | $23,580,400 | 2,791 |
| Average total loans | $83,898,400 | 3,911 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9795% | 5,574 |
| Cost of funding earning assets | 0.9779% | 1,692 |
| Net interest margin | 3.0016% | 6,165 |
| Noninterest income to average assets | 0.5387% | 3,677 |
| Noninterest expense to average assets | 2.6486% | 4,568 |
| Loan and lease loss provision to assets | 0.0516% | 5,110 |
| Net operating income to assets | 0.6000% | 4,395 |
| Return on assets (ROA) | 0.4457% | 5,297 |
| Pretax return on assets | 0.4188% | 5,674 |
| Return on Equity (ROE) | 4.4083% | 5,091 |
| Retained earnings to average equity (ytd only) | 1.8212% | 5,427 |
| Net charge-offs to loans | 0.0526% | 4,921 |
| Credit loss provision to net charge-offs | 272.7273% | 998 |
| Earnings coverage of net charge-offs (x) | 32.9991% | 1,012 |
| Efficiency ratio | 80.9148% | 1,949 |
| Assets per employee ($millions) | 4.2043% | 3,462 |
| Cash dividends to net income (ytd only)* | 58.6870% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5363% | 3,791 |
| Loan loss allowance to noncurrent loans | 69.8244% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 1.9117% | 2,766 |
| Noncurrent loans to loans | 2.2002% | 2,621 |
| Net loans and leases to total assets | 33.8988% | 6,661 |
| Net loans and leases to deposits | 38.2519% | 6,744 |
| Net loans and leases to core deposits | 40.1210% | 6,734 |
| Total domestic deposits to total assets | 88.6199% | 1,646 |
| Equity capital to assets | 9.7397% | 4,875 |
| Core capital (leverage) ratio | 9.9428% | 3,627 |
| Tier 1 risk-based capital ratio | 17.5009% | 2,540 |
| Total risk-based capital ratio | 18.5077% | 2,579 |
| Memoranda: | ||
| Average total assets | $232,420,750 | 2,724 |
| Average earning assets | $211,745,000 | 2,738 |
| Average equity | $23,500,250 | 2,822 |
| Average total loans | $83,729,000 | 3,964 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0980% | 5,319 |
| Cost of funding earning assets | 1.0209% | 1,649 |
| Net interest margin | 3.0771% | 6,060 |
| Noninterest income to average assets | 0.4498% | 4,290 |
| Noninterest expense to average assets | 2.6319% | 4,677 |
| Loan and lease loss provision to assets | 0.0528% | 5,006 |
| Net operating income to assets | 0.6012% | 4,361 |
| Return on assets (ROA) | 0.3547% | 5,630 |
| Pretax return on assets | 0.3178% | 5,929 |
| Return on Equity (ROE) | 3.4622% | 5,504 |
| Retained earnings to average equity (ytd only) | 0.8505% | 5,725 |
| Net charge-offs to loans | 0.1010% | 4,156 |
| Credit loss provision to net charge-offs | 142.8571% | 1,932 |
| Earnings coverage of net charge-offs (x) | 16.6905% | 1,575 |
| Efficiency ratio | 81.0079% | 2,027 |
| Assets per employee ($millions) | 3.8132% | 4,279 |
| Cash dividends to net income (ytd only)* | 75.4342% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4686% | 4,162 |
| Loan loss allowance to noncurrent loans | 47.7674% | 5,246 |
| Noncurrent assets plus other real estate owned to assets | 2.2980% | 2,435 |
| Noncurrent loans to loans | 3.0745% | 1,912 |
| Net loans and leases to total assets | 37.9624% | 6,482 |
| Net loans and leases to deposits | 43.2493% | 6,587 |
| Net loans and leases to core deposits | 45.2876% | 6,607 |
| Total domestic deposits to total assets | 87.7757% | 2,295 |
| Equity capital to assets | 10.3446% | 3,892 |
| Core capital (leverage) ratio | 9.8019% | 3,714 |
| Tier 1 risk-based capital ratio | 17.2816% | 2,555 |
| Total risk-based capital ratio | 18.2800% | 2,612 |
| Memoranda: | ||
| Average total assets | $227,209,000 | 2,784 |
| Average earning assets | $206,687,670 | 2,802 |
| Average equity | $23,280,330 | 2,828 |
| Average total loans | $83,172,000 | 4,007 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0807% | 5,525 |
| Cost of funding earning assets | 1.0422% | 1,730 |
| Net interest margin | 3.0384% | 6,215 |
| Noninterest income to average assets | 0.4467% | 4,314 |
| Noninterest expense to average assets | 2.5840% | 4,878 |
| Loan and lease loss provision to assets | 0.0526% | 4,754 |
| Net operating income to assets | 0.5170% | 4,752 |
| Return on assets (ROA) | 0.5186% | 4,953 |
| Pretax return on assets | 0.5851% | 5,162 |
| Return on Equity (ROE) | 5.0850% | 4,745 |
| Retained earnings to average equity (ytd only) | 2.4738% | 5,021 |
| Net charge-offs to loans | -0.0540% | 6,554 |
| Credit loss provision to net charge-offs | -272.7273% | 5,659 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2503% | 2,169 |
| Assets per employee ($millions) | 3.9478% | 4,115 |
| Cash dividends to net income (ytd only)* | 51.3514% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5774% | 3,818 |
| Loan loss allowance to noncurrent loans | 66.3255% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 1.9697% | 2,948 |
| Noncurrent loans to loans | 2.3783% | 2,726 |
| Net loans and leases to total assets | 35.3158% | 6,670 |
| Net loans and leases to deposits | 40.0832% | 6,729 |
| Net loans and leases to core deposits | 41.8550% | 6,755 |
| Total domestic deposits to total assets | 88.1064% | 2,248 |
| Equity capital to assets | 10.0497% | 4,068 |
| Core capital (leverage) ratio | 9.7495% | 3,707 |
| Tier 1 risk-based capital ratio | 17.5792% | 2,447 |
| Total risk-based capital ratio | 18.6141% | 2,496 |
| Memoranda: | ||
| Average total assets | $228,324,500 | 2,788 |
| Average earning assets | $208,397,500 | 2,793 |
| Average equity | $23,284,000 | 2,824 |
| Average total loans | $81,418,000 | 4,080 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2989% | 5,765 |
| Cost of funding earning assets | 1.0863% | 2,757 |
| Net interest margin | 3.2126% | 6,052 |
| Noninterest income to average assets | 0.4976% | 3,858 |
| Noninterest expense to average assets | 2.6180% | 5,023 |
| Loan and lease loss provision to assets | 0.0539% | 5,920 |
| Net operating income to assets | 0.6492% | 3,739 |
| Return on assets (ROA) | 0.7195% | 3,563 |
| Pretax return on assets | 0.8134% | 3,933 |
| Return on Equity (ROE) | 7.0033% | 3,406 |
| Retained earnings to average equity (ytd only) | 4.1355% | 3,239 |
| Net charge-offs to loans | 0.1223% | 5,165 |
| Credit loss provision to net charge-offs | 120.0000% | 2,656 |
| Earnings coverage of net charge-offs (x) | 17.5300% | 1,268 |
| Efficiency ratio | 76.8795% | 2,762 |
| Assets per employee ($millions) | 3.7946% | 4,328 |
| Cash dividends to net income (ytd only)* | 40.9488% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5556% | 3,774 |
| Loan loss allowance to noncurrent loans | 60.8043% | 4,468 |
| Noncurrent assets plus other real estate owned to assets | 2.3911% | 2,540 |
| Noncurrent loans to loans | 2.5583% | 2,566 |
| Net loans and leases to total assets | 34.8835% | 6,823 |
| Net loans and leases to deposits | 39.5420% | 6,905 |
| Net loans and leases to core deposits | 41.2355% | 6,908 |
| Total domestic deposits to total assets | 88.2189% | 2,015 |
| Equity capital to assets | 10.3466% | 3,712 |
| Core capital (leverage) ratio | 9.6313% | 3,823 |
| Tier 1 risk-based capital ratio | 18.0334% | 2,178 |
| Total risk-based capital ratio | 19.0620% | 2,235 |
| Memoranda: | ||
| Average total assets | $222,653,600 | 2,815 |
| Average earning assets | $201,518,800 | 2,835 |
| Average equity | $22,875,000 | 2,795 |
| Average total loans | $81,796,800 | 4,088 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3736% | 5,691 |
| Cost of funding earning assets | 1.0982% | 2,989 |
| Net interest margin | 3.2754% | 5,933 |
| Noninterest income to average assets | 0.5035% | 3,845 |
| Noninterest expense to average assets | 2.6136% | 5,027 |
| Loan and lease loss provision to assets | 0.0542% | 5,770 |
| Net operating income to assets | 0.6481% | 3,879 |
| Return on assets (ROA) | 0.6486% | 4,048 |
| Pretax return on assets | 0.7943% | 4,153 |
| Return on Equity (ROE) | 6.3246% | 3,860 |
| Retained earnings to average equity (ytd only) | 3.7877% | 4,040 |
| Net charge-offs to loans | 0.1706% | 4,433 |
| Credit loss provision to net charge-offs | 85.7143% | 3,933 |
| Earnings coverage of net charge-offs (x) | 13.4092% | 1,622 |
| Efficiency ratio | 75.5045% | 2,918 |
| Assets per employee ($millions) | 3.9363% | 3,987 |
| Cash dividends to net income (ytd only)* | 40.1118% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4836% | 4,186 |
| Loan loss allowance to noncurrent loans | 58.4011% | 4,542 |
| Noncurrent assets plus other real estate owned to assets | 2.3287% | 2,754 |
| Noncurrent loans to loans | 2.5404% | 2,730 |
| Net loans and leases to total assets | 34.3007% | 6,937 |
| Net loans and leases to deposits | 38.6992% | 7,016 |
| Net loans and leases to core deposits | 40.0874% | 7,041 |
| Total domestic deposits to total assets | 88.6340% | 1,672 |
| Equity capital to assets | 9.9840% | 4,365 |
| Core capital (leverage) ratio | 9.6245% | 3,959 |
| Tier 1 risk-based capital ratio | 17.3688% | 2,499 |
| Total risk-based capital ratio | 18.3403% | 2,568 |
| Memoranda: | ||
| Average total assets | $221,397,500 | 2,828 |
| Average earning assets | $199,953,000 | 2,862 |
| Average equity | $22,704,500 | 2,813 |
| Average total loans | $82,076,750 | 4,120 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4876% | 5,391 |
| Cost of funding earning assets | 1.1406% | 2,968 |
| Net interest margin | 3.3470% | 5,717 |
| Noninterest income to average assets | 0.4989% | 3,862 |
| Noninterest expense to average assets | 2.5611% | 5,322 |
| Loan and lease loss provision to assets | 0.0554% | 5,625 |
| Net operating income to assets | 0.7243% | 3,419 |
| Return on assets (ROA) | 0.7243% | 3,538 |
| Pretax return on assets | 0.9054% | 3,595 |
| Return on Equity (ROE) | 6.9960% | 3,450 |
| Retained earnings to average equity (ytd only) | 4.4261% | 3,376 |
| Net charge-offs to loans | 0.1439% | 4,330 |
| Credit loss provision to net charge-offs | 101.6949% | 3,047 |
| Earnings coverage of net charge-offs (x) | 17.6271% | 1,290 |
| Efficiency ratio | 72.7177% | 3,596 |
| Assets per employee ($millions) | 3.5826% | 4,727 |
| Cash dividends to net income (ytd only)* | 36.7347% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4867% | 4,192 |
| Loan loss allowance to noncurrent loans | 65.2587% | 4,170 |
| Noncurrent assets plus other real estate owned to assets | 2.3368% | 2,818 |
| Noncurrent loans to loans | 2.2782% | 3,127 |
| Net loans and leases to total assets | 38.1016% | 6,854 |
| Net loans and leases to deposits | 43.4617% | 6,938 |
| Net loans and leases to core deposits | 45.0959% | 6,972 |
| Total domestic deposits to total assets | 87.6671% | 2,359 |
| Equity capital to assets | 10.7763% | 3,201 |
| Core capital (leverage) ratio | 10.3474% | 2,884 |
| Tier 1 risk-based capital ratio | 17.8679% | 2,219 |
| Total risk-based capital ratio | 18.8764% | 2,269 |
| Memoranda: | ||
| Average total assets | $216,470,330 | 2,895 |
| Average earning assets | $195,518,000 | 2,932 |
| Average equity | $22,412,670 | 2,828 |
| Average total loans | $82,025,330 | 4,156 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4574% | 5,493 |
| Cost of funding earning assets | 1.1560% | 3,116 |
| Net interest margin | 3.3014% | 5,773 |
| Noninterest income to average assets | 0.5009% | 3,880 |
| Noninterest expense to average assets | 2.6405% | 5,081 |
| Loan and lease loss provision to assets | 0.0552% | 5,314 |
| Net operating income to assets | 0.6482% | 3,757 |
| Return on assets (ROA) | 0.6482% | 3,836 |
| Pretax return on assets | 0.7973% | 3,906 |
| Return on Equity (ROE) | 6.3893% | 3,677 |
| Retained earnings to average equity (ytd only) | 3.7755% | 3,907 |
| Net charge-offs to loans | -0.0393% | 6,811 |
| Credit loss provision to net charge-offs | -375.0000% | 5,908 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5930% | 3,228 |
| Assets per employee ($millions) | 3.9357% | 3,977 |
| Cash dividends to net income (ytd only)* | 40.9091% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5626% | 3,906 |
| Loan loss allowance to noncurrent loans | 54.5182% | 4,728 |
| Noncurrent assets plus other real estate owned to assets | 2.5561% | 2,673 |
| Noncurrent loans to loans | 2.8663% | 2,629 |
| Net loans and leases to total assets | 37.0469% | 6,957 |
| Net loans and leases to deposits | 42.0025% | 7,022 |
| Net loans and leases to core deposits | 43.4094% | 7,057 |
| Total domestic deposits to total assets | 88.2016% | 2,263 |
| Equity capital to assets | 10.2619% | 3,458 |
| Core capital (leverage) ratio | 9.8875% | 3,290 |
| Tier 1 risk-based capital ratio | 17.1826% | 2,409 |
| Total risk-based capital ratio | 18.2101% | 2,468 |
| Memoranda: | ||
| Average total assets | $217,228,500 | 2,910 |
| Average earning assets | $196,887,500 | 2,923 |
| Average equity | $22,037,000 | 2,864 |
| Average total loans | $81,469,500 | 4,205 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7446% | 5,636 |
| Cost of funding earning assets | 1.3162% | 3,778 |
| Net interest margin | 3.4284% | 5,517 |
| Noninterest income to average assets | 0.5992% | 3,484 |
| Noninterest expense to average assets | 2.8242% | 4,501 |
| Loan and lease loss provision to assets | 0.1124% | 6,033 |
| Net operating income to assets | 0.6327% | 3,520 |
| Return on assets (ROA) | 0.7398% | 3,174 |
| Pretax return on assets | 0.8738% | 3,395 |
| Return on Equity (ROE) | 7.2056% | 3,019 |
| Retained earnings to average equity (ytd only) | 4.4676% | 2,739 |
| Net charge-offs to loans | 0.0356% | 6,446 |
| Credit loss provision to net charge-offs | 827.5862% | 260 |
| Earnings coverage of net charge-offs (x) | 63.3103% | 377 |
| Efficiency ratio | 76.6531% | 2,939 |
| Assets per employee ($millions) | 4.1131% | 3,552 |
| Cash dividends to net income (ytd only)* | 37.9987% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5158% | 3,920 |
| Loan loss allowance to noncurrent loans | 69.4601% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 2.7345% | 2,552 |
| Noncurrent loans to loans | 2.1823% | 3,333 |
| Net loans and leases to total assets | 36.8076% | 7,122 |
| Net loans and leases to deposits | 41.7084% | 7,195 |
| Net loans and leases to core deposits | 43.0924% | 7,229 |
| Total domestic deposits to total assets | 88.2498% | 2,093 |
| Equity capital to assets | 10.0282% | 3,715 |
| Core capital (leverage) ratio | 9.4647% | 3,748 |
| Tier 1 risk-based capital ratio | 17.2219% | 2,260 |
| Total risk-based capital ratio | 18.2307% | 2,317 |
| Memoranda: | ||
| Average total assets | $213,437,400 | 2,944 |
| Average earning assets | $192,069,600 | 2,972 |
| Average equity | $21,913,400 | 2,890 |
| Average total loans | $81,564,600 | 4,295 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8013% | 5,654 |
| Cost of funding earning assets | 1.3381% | 3,990 |
| Net interest margin | 3.4632% | 5,442 |
| Noninterest income to average assets | 0.6400% | 3,188 |
| Noninterest expense to average assets | 2.7715% | 4,596 |
| Loan and lease loss provision to assets | 0.1130% | 5,901 |
| Net operating income to assets | 0.6964% | 3,429 |
| Return on assets (ROA) | 0.7461% | 3,388 |
| Pretax return on assets | 0.9320% | 3,442 |
| Return on Equity (ROE) | 7.2240% | 3,242 |
| Retained earnings to average equity (ytd only) | 5.0349% | 2,966 |
| Net charge-offs to loans | 0.0327% | 6,232 |
| Credit loss provision to net charge-offs | 900.0000% | 324 |
| Earnings coverage of net charge-offs (x) | 78.2381% | 387 |
| Efficiency ratio | 73.8207% | 3,356 |
| Assets per employee ($millions) | 4.2263% | 3,394 |
| Cash dividends to net income (ytd only)* | 30.3032% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4337% | 4,295 |
| Loan loss allowance to noncurrent loans | 44.9506% | 5,273 |
| Noncurrent assets plus other real estate owned to assets | 2.6466% | 2,738 |
| Noncurrent loans to loans | 3.1895% | 2,499 |
| Net loans and leases to total assets | 35.0180% | 7,307 |
| Net loans and leases to deposits | 39.4756% | 7,387 |
| Net loans and leases to core deposits | 40.8279% | 7,403 |
| Total domestic deposits to total assets | 88.7081% | 1,557 |
| Equity capital to assets | 9.7535% | 4,470 |
| Core capital (leverage) ratio | 9.4933% | 3,910 |
| Tier 1 risk-based capital ratio | 17.0585% | 2,322 |
| Total risk-based capital ratio | 18.0065% | 2,397 |
| Memoranda: | ||
| Average total assets | $212,297,750 | 3,005 |
| Average earning assets | $190,917,750 | 3,024 |
| Average equity | $21,926,500 | 2,928 |
| Average total loans | $81,587,250 | 4,364 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0255% | 4,823 |
| Cost of funding earning assets | 1.3720% | 4,046 |
| Net interest margin | 3.6535% | 4,562 |
| Noninterest income to average assets | 0.5467% | 3,741 |
| Noninterest expense to average assets | 2.7571% | 4,674 |
| Loan and lease loss provision to assets | 0.1167% | 5,728 |
| Net operating income to assets | 0.7639% | 3,130 |
| Return on assets (ROA) | 0.8405% | 2,935 |
| Pretax return on assets | 1.0769% | 2,858 |
| Return on Equity (ROE) | 7.9712% | 2,895 |
| Retained earnings to average equity (ytd only) | 5.7570% | 2,466 |
| Net charge-offs to loans | 0.1206% | 4,975 |
| Credit loss provision to net charge-offs | 244.8980% | 1,572 |
| Earnings coverage of net charge-offs (x) | 22.9796% | 1,118 |
| Efficiency ratio | 71.5657% | 3,886 |
| Assets per employee ($millions) | 3.8106% | 4,199 |
| Cash dividends to net income (ytd only)* | 27.7778% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3115% | 4,842 |
| Loan loss allowance to noncurrent loans | 75.3613% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 2.5690% | 2,823 |
| Noncurrent loans to loans | 1.7402% | 4,074 |
| Net loans and leases to total assets | 38.6137% | 7,241 |
| Net loans and leases to deposits | 43.8395% | 7,324 |
| Net loans and leases to core deposits | 45.2416% | 7,377 |
| Total domestic deposits to total assets | 88.0797% | 1,955 |
| Equity capital to assets | 10.1962% | 3,771 |
| Core capital (leverage) ratio | 10.1577% | 2,992 |
| Tier 1 risk-based capital ratio | 17.6515% | 2,054 |
| Total risk-based capital ratio | 18.5907% | 2,117 |
| Memoranda: | ||
| Average total assets | $205,580,670 | 3,099 |
| Average earning assets | $186,012,330 | 3,118 |
| Average equity | $21,678,000 | 2,949 |
| Average total loans | $81,255,330 | 4,408 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8027% | 5,884 |
| Cost of funding earning assets | 1.4024% | 4,155 |
| Net interest margin | 3.4002% | 5,580 |
| Noninterest income to average assets | 0.5315% | 3,799 |
| Noninterest expense to average assets | 2.6915% | 4,944 |
| Loan and lease loss provision to assets | 0.1190% | 5,403 |
| Net operating income to assets | 0.6563% | 3,633 |
| Return on assets (ROA) | 0.7398% | 3,363 |
| Pretax return on assets | 0.9163% | 3,407 |
| Return on Equity (ROE) | 6.8953% | 3,400 |
| Retained earnings to average equity (ytd only) | 4.6770% | 3,333 |
| Net charge-offs to loans | 0.6140% | 2,281 |
| Credit loss provision to net charge-offs | 48.7805% | 4,507 |
| Earnings coverage of net charge-offs (x) | 3.8211% | 2,771 |
| Efficiency ratio | 74.2748% | 3,534 |
| Assets per employee ($millions) | 4.0717% | 3,705 |
| Cash dividends to net income (ytd only)* | 32.1716% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1762% | 5,627 |
| Loan loss allowance to noncurrent loans | 28.3314% | 6,508 |
| Noncurrent assets plus other real estate owned to assets | 3.8416% | 1,806 |
| Noncurrent loans to loans | 4.1515% | 1,855 |
| Net loans and leases to total assets | 39.6616% | 7,269 |
| Net loans and leases to deposits | 45.2057% | 7,358 |
| Net loans and leases to core deposits | 46.4535% | 7,417 |
| Total domestic deposits to total assets | 87.7358% | 2,222 |
| Equity capital to assets | 10.4939% | 3,248 |
| Core capital (leverage) ratio | 10.2447% | 2,879 |
| Tier 1 risk-based capital ratio | 18.1443% | 1,912 |
| Total risk-based capital ratio | 19.0021% | 1,979 |
| Memoranda: | ||
| Average total assets | $201,674,500 | 3,199 |
| Average earning assets | $183,398,500 | 3,216 |
| Average equity | $21,638,000 | 2,988 |
| Average total loans | $80,136,000 | 4,500 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1044% | 6,068 |
| Cost of funding earning assets | 1.6256% | 4,910 |
| Net interest margin | 3.4788% | 5,046 |
| Noninterest income to average assets | 0.5908% | 3,694 |
| Noninterest expense to average assets | 3.2261% | 3,289 |
| Loan and lease loss provision to assets | 0.2348% | 5,490 |
| Net operating income to assets | 0.2590% | 4,687 |
| Return on assets (ROA) | 0.4272% | 4,125 |
| Pretax return on assets | 0.4080% | 4,478 |
| Return on Equity (ROE) | 3.9714% | 4,100 |
| Retained earnings to average equity (ytd only) | 2.8447% | 3,179 |
| Net charge-offs to loans | 0.2184% | 5,257 |
| Credit loss provision to net charge-offs | 262.7119% | 1,338 |
| Earnings coverage of net charge-offs (x) | 5.3107% | 2,635 |
| Efficiency ratio | 87.1742% | 1,974 |
| Assets per employee ($millions) | 3.9169% | 3,984 |
| Cash dividends to net income (ytd only)* | 28.3688% | 3,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3034% | 4,737 |
| Loan loss allowance to noncurrent loans | 28.0394% | 6,604 |
| Noncurrent assets plus other real estate owned to assets | 3.9086% | 1,697 |
| Noncurrent loans to loans | 4.6483% | 1,513 |
| Net loans and leases to total assets | 38.8168% | 7,415 |
| Net loans and leases to deposits | 44.2452% | 7,507 |
| Net loans and leases to core deposits | 51.8526% | 7,528 |
| Total domestic deposits to total assets | 87.7310% | 2,106 |
| Equity capital to assets | 10.9689% | 2,729 |
| Core capital (leverage) ratio | 10.1540% | 2,948 |
| Tier 1 risk-based capital ratio | 18.9027% | 1,674 |
| Total risk-based capital ratio | 19.8391% | 1,699 |
| Memoranda: | ||
| Average total assets | $198,039,400 | 3,206 |
| Average earning assets | $177,041,800 | 3,252 |
| Average equity | $21,302,400 | 3,039 |
| Average total loans | $81,055,000 | 4,470 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1572% | 6,075 |
| Cost of funding earning assets | 1.6630% | 5,096 |
| Net interest margin | 3.4943% | 4,879 |
| Noninterest income to average assets | 0.5688% | 3,934 |
| Noninterest expense to average assets | 3.1415% | 3,493 |
| Loan and lease loss provision to assets | 0.1653% | 5,703 |
| Net operating income to assets | 0.4136% | 4,348 |
| Return on assets (ROA) | 0.4082% | 4,468 |
| Pretax return on assets | 0.3670% | 4,886 |
| Return on Equity (ROE) | 3.8139% | 4,451 |
| Retained earnings to average equity (ytd only) | 2.8053% | 3,763 |
| Net charge-offs to loans | 0.2857% | 4,241 |
| Credit loss provision to net charge-offs | 140.0000% | 3,519 |
| Earnings coverage of net charge-offs (x) | 4.5542% | 3,096 |
| Efficiency ratio | 85.3842% | 2,142 |
| Assets per employee ($millions) | 3.9121% | 3,908 |
| Cash dividends to net income (ytd only)* | 26.4464% | 3,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0117% | 6,212 |
| Loan loss allowance to noncurrent loans | 21.1660% | 7,028 |
| Noncurrent assets plus other real estate owned to assets | 3.6932% | 1,762 |
| Noncurrent loans to loans | 4.7798% | 1,421 |
| Net loans and leases to total assets | 37.3302% | 7,573 |
| Net loans and leases to deposits | 42.1726% | 7,669 |
| Net loans and leases to core deposits | 49.0353% | 7,708 |
| Total domestic deposits to total assets | 88.5177% | 1,427 |
| Equity capital to assets | 10.3638% | 3,663 |
| Core capital (leverage) ratio | 10.0933% | 3,182 |
| Tier 1 risk-based capital ratio | 18.6970% | 1,819 |
| Total risk-based capital ratio | 19.4300% | 1,884 |
| Memoranda: | ||
| Average total assets | $197,608,250 | 3,226 |
| Average earning assets | $175,903,250 | 3,297 |
| Average equity | $21,150,000 | 3,078 |
| Average total loans | $81,677,250 | 4,497 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2787% | 5,752 |
| Cost of funding earning assets | 1.7369% | 5,077 |
| Net interest margin | 3.5417% | 4,609 |
| Noninterest income to average assets | 0.5656% | 3,925 |
| Noninterest expense to average assets | 3.1628% | 3,462 |
| Loan and lease loss provision to assets | 0.1450% | 5,623 |
| Net operating income to assets | 0.4216% | 4,416 |
| Return on assets (ROA) | 0.4133% | 4,563 |
| Pretax return on assets | 0.3823% | 4,985 |
| Return on Equity (ROE) | 3.8178% | 4,572 |
| Retained earnings to average equity (ytd only) | 3.0523% | 3,617 |
| Net charge-offs to loans | 0.2380% | 4,010 |
| Credit loss provision to net charge-offs | 142.8571% | 3,247 |
| Earnings coverage of net charge-offs (x) | 5.2755% | 2,871 |
| Efficiency ratio | 85.5182% | 2,283 |
| Assets per employee ($millions) | 3.4760% | 4,876 |
| Cash dividends to net income (ytd only)* | 20.0501% | 3,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9562% | 6,523 |
| Loan loss allowance to noncurrent loans | 23.8212% | 6,915 |
| Noncurrent assets plus other real estate owned to assets | 4.0821% | 1,433 |
| Noncurrent loans to loans | 4.0143% | 1,684 |
| Net loans and leases to total assets | 41.3971% | 7,486 |
| Net loans and leases to deposits | 47.0167% | 7,596 |
| Net loans and leases to core deposits | 55.3205% | 7,620 |
| Total domestic deposits to total assets | 88.0476% | 1,740 |
| Equity capital to assets | 10.6208% | 3,278 |
| Core capital (leverage) ratio | 10.1806% | 3,115 |
| Tier 1 risk-based capital ratio | 17.4868% | 2,156 |
| Total risk-based capital ratio | 18.1955% | 2,272 |
| Memoranda: | ||
| Average total assets | $193,059,330 | 3,305 |
| Average earning assets | $170,763,330 | 3,383 |
| Average equity | $20,902,000 | 3,114 |
| Average total loans | $82,347,000 | 4,515 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4274% | 5,282 |
| Cost of funding earning assets | 1.7630% | 5,299 |
| Net interest margin | 3.6643% | 4,041 |
| Noninterest income to average assets | 0.5076% | 4,253 |
| Noninterest expense to average assets | 3.1665% | 3,128 |
| Loan and lease loss provision to assets | 0.1248% | 5,360 |
| Net operating income to assets | 0.4702% | 4,563 |
| Return on assets (ROA) | 0.4577% | 4,801 |
| Pretax return on assets | 0.4556% | 5,225 |
| Return on Equity (ROE) | 4.1873% | 4,852 |
| Retained earnings to average equity (ytd only) | 4.1873% | 3,584 |
| Net charge-offs to loans | 0.3718% | 2,602 |
| Credit loss provision to net charge-offs | 77.9221% | 4,222 |
| Earnings coverage of net charge-offs (x) | 3.7013% | 3,095 |
| Efficiency ratio | 84.2280% | 2,279 |
| Assets per employee ($millions) | 3.7744% | 4,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8740% | 6,858 |
| Loan loss allowance to noncurrent loans | 19.8784% | 7,175 |
| Noncurrent assets plus other real estate owned to assets | 4.3066% | 1,149 |
| Noncurrent loans to loans | 4.3969% | 1,327 |
| Net loans and leases to total assets | 42.3614% | 7,444 |
| Net loans and leases to deposits | 48.2672% | 7,567 |
| Net loans and leases to core deposits | 56.2275% | 7,608 |
| Total domestic deposits to total assets | 87.7644% | 1,861 |
| Equity capital to assets | 10.9374% | 3,022 |
| Core capital (leverage) ratio | 10.3284% | 3,086 |
| Tier 1 risk-based capital ratio | 17.7154% | 2,122 |
| Total risk-based capital ratio | 18.3653% | 2,242 |
| Memoranda: | ||
| Average total assets | $192,261,000 | 3,328 |
| Average earning assets | $170,617,000 | 3,412 |
| Average equity | $21,016,000 | 3,117 |
| Average total loans | $82,840,500 | 4,534 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6582% | 6,908 |
| Cost of funding earning assets | 2.0601% | 6,195 |
| Net interest margin | 3.5981% | 4,900 |
| Noninterest income to average assets | 0.3628% | 5,814 |
| Noninterest expense to average assets | 3.1742% | 3,432 |
| Loan and lease loss provision to assets | 0.0989% | 6,114 |
| Net operating income to assets | 0.3703% | 5,269 |
| Return on assets (ROA) | 0.1041% | 5,942 |
| Pretax return on assets | -0.1197% | 6,291 |
| Return on Equity (ROE) | 0.9660% | 5,929 |
| Retained earnings to average equity (ytd only) | 0.7342% | 4,790 |
| Net charge-offs to loans | 0.4697% | 2,480 |
| Credit loss provision to net charge-offs | 47.1464% | 6,382 |
| Earnings coverage of net charge-offs (x) | 1.8834% | 5,125 |
| Efficiency ratio | 88.9310% | 1,590 |
| Assets per employee ($millions) | 3.6928% | 4,191 |
| Cash dividends to net income (ytd only)* | 24.0000% | 4,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8823% | 6,766 |
| Loan loss allowance to noncurrent loans | 18.8670% | 7,281 |
| Noncurrent assets plus other real estate owned to assets | 4.5322% | 825 |
| Noncurrent loans to loans | 4.6764% | 1,001 |
| Net loans and leases to total assets | 43.0577% | 7,529 |
| Net loans and leases to deposits | 49.0307% | 7,670 |
| Net loans and leases to core deposits | 56.9083% | 7,713 |
| Total domestic deposits to total assets | 87.8178% | 1,552 |
| Equity capital to assets | 10.9246% | 3,101 |
| Core capital (leverage) ratio | 10.1640% | 3,309 |
| Tier 1 risk-based capital ratio | 17.7240% | 2,110 |
| Total risk-based capital ratio | 18.3947% | 2,218 |
| Memoranda: | ||
| Average total assets | $192,109,400 | 3,240 |
| Average earning assets | $171,201,800 | 3,320 |
| Average equity | $20,703,200 | 3,133 |
| Average total loans | $85,806,400 | 4,337 |