Home > The Jacksboro National Bank > Performance and Condition Ratios
The Jacksboro National Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2269% | 2,663 |
| Cost of funding earning assets | 1.7816% | 2,494 |
| Net interest margin | 3.4454% | 2,454 |
| Noninterest income to average assets | 0.7000% | 1,050 |
| Noninterest expense to average assets | 2.9382% | 1,254 |
| Loan and lease loss provision to assets | 0.0600% | 1,800 |
| Net operating income to assets | 0.9350% | 2,461 |
| Return on assets (ROA) | 0.7232% | 3,052 |
| Pretax return on assets | 0.7232% | 3,346 |
| Return on Equity (ROE) | 12.3100% | 1,663 |
| Retained earnings to average equity (ytd only) | 0.4080% | 3,597 |
| Net charge-offs to loans | 0.0453% | 1,213 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 43.9412% | 1,051 |
| Efficiency ratio | 74.7037% | 1,366 |
| Assets per employee ($millions) | 6.0807% | 2,886 |
| Cash dividends to net income (ytd only)* | 96.6851% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4890% | 1,042 |
| Loan loss allowance to noncurrent loans | 7,453.3333% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.0101% | 3,696 |
| Noncurrent loans to loans | 0.0200% | 3,622 |
| Net loans and leases to total assets | 49.6500% | 3,591 |
| Net loans and leases to deposits | 55.4379% | 3,677 |
| Net loans and leases to core deposits | 62.2913% | 3,609 |
| Total domestic deposits to total assets | 89.5600% | 966 |
| Equity capital to assets | 6.3325% | 4,193 |
| Core capital (leverage) ratio | 10.4068% | 2,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6082% | 607 |
| Memoranda: | ||
| Average total assets | $300,321,500 | 2,477 |
| Average earning assets | $281,771,000 | 2,467 |
| Average equity | $17,649,000 | 3,173 |
| Average total loans | $149,960,000 | 2,769 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0843% | 2,944 |
| Cost of funding earning assets | 1.9779% | 2,271 |
| Net interest margin | 3.1064% | 2,930 |
| Noninterest income to average assets | 0.7200% | 1,116 |
| Noninterest expense to average assets | 2.6915% | 1,769 |
| Loan and lease loss provision to assets | 0.1100% | 1,276 |
| Net operating income to assets | 0.8612% | 2,517 |
| Return on assets (ROA) | 0.8490% | 2,559 |
| Pretax return on assets | 0.8490% | 2,942 |
| Return on Equity (ROE) | 15.4900% | 855 |
| Retained earnings to average equity (ytd only) | 4.0520% | 2,613 |
| Net charge-offs to loans | 0.0665% | 1,464 |
| Credit loss provision to net charge-offs | 329.8969% | 817 |
| Earnings coverage of net charge-offs (x) | 31.2371% | 1,508 |
| Efficiency ratio | 73.5440% | 1,605 |
| Assets per employee ($millions) | 6.0538% | 2,841 |
| Cash dividends to net income (ytd only)* | 73.8427% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5045% | 997 |
| Loan loss allowance to noncurrent loans | 3,693.4426% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.0202% | 3,581 |
| Noncurrent loans to loans | 0.0407% | 3,463 |
| Net loans and leases to total assets | 48.7300% | 3,691 |
| Net loans and leases to deposits | 54.9608% | 3,755 |
| Net loans and leases to core deposits | 61.8774% | 3,685 |
| Total domestic deposits to total assets | 88.6600% | 1,276 |
| Equity capital to assets | 5.4280% | 4,295 |
| Core capital (leverage) ratio | 10.0743% | 2,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5642% | 610 |
| Memoranda: | ||
| Average total assets | $312,951,400 | 2,401 |
| Average earning assets | $296,066,400 | 2,371 |
| Average equity | $17,152,000 | 3,178 |
| Average total loans | $145,886,800 | 2,766 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0161% | 3,004 |
| Cost of funding earning assets | 1.9692% | 2,291 |
| Net interest margin | 3.0469% | 3,002 |
| Noninterest income to average assets | 0.7300% | 1,048 |
| Noninterest expense to average assets | 2.8723% | 1,316 |
| Loan and lease loss provision to assets | 0.1300% | 993 |
| Net operating income to assets | 0.6216% | 3,161 |
| Return on assets (ROA) | 0.6056% | 3,233 |
| Pretax return on assets | 0.6056% | 3,457 |
| Return on Equity (ROE) | 11.0200% | 1,889 |
| Retained earnings to average equity (ytd only) | 7.4694% | 1,577 |
| Net charge-offs to loans | 0.0598% | 1,311 |
| Credit loss provision to net charge-offs | 469.2308% | 656 |
| Earnings coverage of net charge-offs (x) | 27.3231% | 1,587 |
| Efficiency ratio | 79.2838% | 1,127 |
| Assets per employee ($millions) | 6.0728% | 2,810 |
| Cash dividends to net income (ytd only)* | 32.2401% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5542% | 930 |
| Loan loss allowance to noncurrent loans | 4,203.7037% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.0530% | 3,357 |
| Noncurrent loans to loans | 0.0370% | 3,544 |
| Net loans and leases to total assets | 46.4300% | 3,799 |
| Net loans and leases to deposits | 56.0538% | 3,742 |
| Net loans and leases to core deposits | 63.1945% | 3,679 |
| Total domestic deposits to total assets | 82.8200% | 2,904 |
| Equity capital to assets | 6.6158% | 4,215 |
| Core capital (leverage) ratio | 10.3274% | 2,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9356% | 601 |
| Memoranda: | ||
| Average total assets | $315,516,750 | 2,381 |
| Average earning assets | $299,135,250 | 2,343 |
| Average equity | $17,332,500 | 3,158 |
| Average total loans | $144,921,250 | 2,766 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0057% | 2,940 |
| Cost of funding earning assets | 1.9921% | 2,136 |
| Net interest margin | 3.0137% | 3,025 |
| Noninterest income to average assets | 0.6700% | 1,193 |
| Noninterest expense to average assets | 2.8609% | 1,343 |
| Loan and lease loss provision to assets | 0.1700% | 664 |
| Net operating income to assets | 0.5009% | 3,426 |
| Return on assets (ROA) | 0.4769% | 3,524 |
| Pretax return on assets | 0.4769% | 3,672 |
| Return on Equity (ROE) | 9.3000% | 2,373 |
| Retained earnings to average equity (ytd only) | 4.4349% | 2,548 |
| Net charge-offs to loans | 0.0512% | 1,273 |
| Credit loss provision to net charge-offs | 743.2432% | 488 |
| Earnings coverage of net charge-offs (x) | 28.9189% | 1,416 |
| Efficiency ratio | 80.9303% | 1,058 |
| Assets per employee ($millions) | 6.1842% | 2,646 |
| Cash dividends to net income (ytd only)* | 52.3118% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4832% | 1,118 |
| Loan loss allowance to noncurrent loans | 1,267.0391% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.0579% | 3,270 |
| Noncurrent loans to loans | 0.1171% | 3,063 |
| Net loans and leases to total assets | 48.7200% | 3,710 |
| Net loans and leases to deposits | 58.0360% | 3,665 |
| Net loans and leases to core deposits | 64.4813% | 3,602 |
| Total domestic deposits to total assets | 83.9400% | 2,630 |
| Equity capital to assets | 5.0299% | 4,367 |
| Core capital (leverage) ratio | 9.9038% | 2,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8092% | 695 |
| Memoranda: | ||
| Average total assets | $317,451,000 | 2,351 |
| Average earning assets | $301,494,667 | 2,315 |
| Average equity | $16,280,000 | 3,225 |
| Average total loans | $144,542,667 | 2,766 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8858% | 3,004 |
| Cost of funding earning assets | 1.9741% | 2,062 |
| Net interest margin | 2.9117% | 3,168 |
| Noninterest income to average assets | 0.6400% | 1,224 |
| Noninterest expense to average assets | 2.8261% | 1,397 |
| Loan and lease loss provision to assets | 0.1500% | 697 |
| Net operating income to assets | 0.4478% | 3,510 |
| Return on assets (ROA) | 0.4005% | 3,641 |
| Pretax return on assets | 0.4005% | 3,755 |
| Return on Equity (ROE) | 7.7400% | 2,771 |
| Retained earnings to average equity (ytd only) | 1.3939% | 3,396 |
| Net charge-offs to loans | 0.0114% | 1,668 |
| Credit loss provision to net charge-offs | 3,000.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 120.0000% | 603 |
| Efficiency ratio | 82.5581% | 1,008 |
| Assets per employee ($millions) | 6.0668% | 2,788 |
| Cash dividends to net income (ytd only)* | 81.9876% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4720% | 1,158 |
| Loan loss allowance to noncurrent loans | 858.4000% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.0792% | 3,117 |
| Noncurrent loans to loans | 0.1715% | 2,763 |
| Net loans and leases to total assets | 45.5300% | 3,829 |
| Net loans and leases to deposits | 53.6297% | 3,794 |
| Net loans and leases to core deposits | 59.8301% | 3,776 |
| Total domestic deposits to total assets | 84.9000% | 2,445 |
| Equity capital to assets | 5.0347% | 4,372 |
| Core capital (leverage) ratio | 9.5671% | 3,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4918% | 646 |
| Memoranda: | ||
| Average total assets | $321,570,500 | 2,343 |
| Average earning assets | $307,173,000 | 2,303 |
| Average equity | $16,643,500 | 3,200 |
| Average total loans | $140,360,000 | 2,802 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4198% | 3,244 |
| Cost of funding earning assets | 1.4158% | 2,187 |
| Net interest margin | 3.0040% | 3,273 |
| Noninterest income to average assets | 0.9700% | 666 |
| Noninterest expense to average assets | 2.8595% | 1,373 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.9164% | 2,497 |
| Return on assets (ROA) | 0.9137% | 2,471 |
| Pretax return on assets | 0.9137% | 2,925 |
| Return on Equity (ROE) | 19.2400% | 686 |
| Retained earnings to average equity (ytd only) | 9.1795% | 1,217 |
| Net charge-offs to loans | 0.0403% | 1,506 |
| Credit loss provision to net charge-offs | 450.0000% | 724 |
| Earnings coverage of net charge-offs (x) | 59.5000% | 1,193 |
| Efficiency ratio | 74.2558% | 1,429 |
| Assets per employee ($millions) | 6.1824% | 2,664 |
| Cash dividends to net income (ytd only)* | 52.2976% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5045% | 1,036 |
| Loan loss allowance to noncurrent loans | 528.6458% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.1172% | 2,749 |
| Noncurrent loans to loans | 0.2846% | 2,162 |
| Net loans and leases to total assets | 40.5600% | 4,021 |
| Net loans and leases to deposits | 47.6496% | 4,004 |
| Net loans and leases to core deposits | 52.3087% | 4,026 |
| Total domestic deposits to total assets | 85.1200% | 2,276 |
| Equity capital to assets | 5.3115% | 4,366 |
| Core capital (leverage) ratio | 9.6411% | 3,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2484% | 587 |
| Memoranda: | ||
| Average total assets | $300,091,800 | 2,426 |
| Average earning assets | $287,545,400 | 2,368 |
| Average equity | $14,249,200 | 3,323 |
| Average total loans | $124,157,800 | 2,913 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2892% | 3,315 |
| Cost of funding earning assets | 1.2770% | 2,206 |
| Net interest margin | 3.0122% | 3,322 |
| Noninterest income to average assets | 0.9800% | 664 |
| Noninterest expense to average assets | 3.0150% | 1,050 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.8054% | 3,009 |
| Return on assets (ROA) | 0.8017% | 3,018 |
| Pretax return on assets | 0.8017% | 3,330 |
| Return on Equity (ROE) | 17.4600% | 1,016 |
| Retained earnings to average equity (ytd only) | 10.8760% | 1,179 |
| Net charge-offs to loans | 0.0252% | 1,570 |
| Credit loss provision to net charge-offs | 500.0000% | 627 |
| Earnings coverage of net charge-offs (x) | 82.0000% | 1,036 |
| Efficiency ratio | 77.8535% | 1,024 |
| Assets per employee ($millions) | 5.6935% | 3,023 |
| Cash dividends to net income (ytd only)* | 37.7198% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5258% | 1,044 |
| Loan loss allowance to noncurrent loans | 600.9259% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.1074% | 2,864 |
| Noncurrent loans to loans | 0.2539% | 2,330 |
| Net loans and leases to total assets | 41.6400% | 4,002 |
| Net loans and leases to deposits | 47.5567% | 4,022 |
| Net loans and leases to core deposits | 52.4753% | 3,975 |
| Total domestic deposits to total assets | 87.5700% | 1,715 |
| Equity capital to assets | 3.8306% | 4,416 |
| Core capital (leverage) ratio | 10.1349% | 2,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8923% | 561 |
| Memoranda: | ||
| Average total assets | $293,197,500 | 2,463 |
| Average earning assets | $281,163,500 | 2,408 |
| Average equity | $13,460,500 | 3,378 |
| Average total loans | $121,465,250 | 2,934 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1673% | 3,362 |
| Cost of funding earning assets | 1.1525% | 2,125 |
| Net interest margin | 3.0149% | 3,391 |
| Noninterest income to average assets | 0.8100% | 840 |
| Noninterest expense to average assets | 3.0384% | 980 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.6020% | 3,567 |
| Return on assets (ROA) | 0.5965% | 3,584 |
| Pretax return on assets | 0.5965% | 3,810 |
| Return on Equity (ROE) | 12.2900% | 2,068 |
| Retained earnings to average equity (ytd only) | 3.7888% | 3,256 |
| Net charge-offs to loans | 0.0335% | 1,229 |
| Credit loss provision to net charge-offs | 425.0000% | 710 |
| Earnings coverage of net charge-offs (x) | 47.9500% | 1,306 |
| Efficiency ratio | 82.1415% | 699 |
| Assets per employee ($millions) | 5.4237% | 3,215 |
| Cash dividends to net income (ytd only)* | 69.1686% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5166% | 1,128 |
| Loan loss allowance to noncurrent loans | 566.3717% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.1157% | 2,722 |
| Noncurrent loans to loans | 0.2678% | 2,199 |
| Net loans and leases to total assets | 42.5700% | 3,943 |
| Net loans and leases to deposits | 48.0972% | 3,987 |
| Net loans and leases to core deposits | 52.1492% | 3,948 |
| Total domestic deposits to total assets | 88.5100% | 1,422 |
| Equity capital to assets | 4.6528% | 4,425 |
| Core capital (leverage) ratio | 10.0216% | 2,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2619% | 611 |
| Memoranda: | ||
| Average total assets | $290,345,667 | 2,484 |
| Average earning assets | $278,354,667 | 2,433 |
| Average equity | $14,094,333 | 3,345 |
| Average total loans | $119,418,000 | 2,956 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9496% | 3,552 |
| Cost of funding earning assets | 1.0058% | 2,027 |
| Net interest margin | 2.9438% | 3,714 |
| Noninterest income to average assets | 0.7300% | 1,008 |
| Noninterest expense to average assets | 3.0511% | 993 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.4843% | 3,933 |
| Return on assets (ROA) | 0.4843% | 3,895 |
| Pretax return on assets | 0.4843% | 4,014 |
| Return on Equity (ROE) | 9.7700% | 2,857 |
| Retained earnings to average equity (ytd only) | -3.2663% | 4,248 |
| Net charge-offs to loans | 0.0553% | 815 |
| Credit loss provision to net charge-offs | 93.7500% | 1,162 |
| Earnings coverage of net charge-offs (x) | 22.8125% | 1,421 |
| Efficiency ratio | 85.7977% | 518 |
| Assets per employee ($millions) | 5.4073% | 3,311 |
| Cash dividends to net income (ytd only)* | 133.4286% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5380% | 1,153 |
| Loan loss allowance to noncurrent loans | 485.3403% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 0.1308% | 2,601 |
| Noncurrent loans to loans | 0.3169% | 2,008 |
| Net loans and leases to total assets | 40.6500% | 4,019 |
| Net loans and leases to deposits | 43.3383% | 4,118 |
| Net loans and leases to core deposits | 46.1590% | 4,105 |
| Total domestic deposits to total assets | 93.7900% | 193 |
| Equity capital to assets | 5.0035% | 4,419 |
| Core capital (leverage) ratio | 10.1021% | 2,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6853% | 595 |
| Memoranda: | ||
| Average total assets | $289,079,000 | 2,520 |
| Average earning assets | $277,192,000 | 2,466 |
| Average equity | $14,328,000 | 3,361 |
| Average total loans | $115,826,000 | 3,023 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6448% | 2,670 |
| Cost of funding earning assets | 0.3559% | 2,432 |
| Net interest margin | 3.2889% | 2,597 |
| Noninterest income to average assets | 1.0200% | 618 |
| Noninterest expense to average assets | 3.0247% | 937 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.1283% | 2,064 |
| Return on assets (ROA) | 1.0992% | 2,109 |
| Pretax return on assets | 1.0992% | 2,772 |
| Return on Equity (ROE) | 16.5500% | 950 |
| Retained earnings to average equity (ytd only) | 4.1666% | 3,339 |
| Net charge-offs to loans | 0.0355% | 1,372 |
| Credit loss provision to net charge-offs | 157.8947% | 1,265 |
| Earnings coverage of net charge-offs (x) | 86.2368% | 1,048 |
| Efficiency ratio | 72.4645% | 1,390 |
| Assets per employee ($millions) | 5.2993% | 3,422 |
| Cash dividends to net income (ytd only)* | 74.8245% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6696% | 843 |
| Loan loss allowance to noncurrent loans | 406.7982% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.2055% | 2,141 |
| Noncurrent loans to loans | 0.4104% | 1,699 |
| Net loans and leases to total assets | 38.1800% | 4,137 |
| Net loans and leases to deposits | 41.9788% | 4,178 |
| Net loans and leases to core deposits | 44.4611% | 4,165 |
| Total domestic deposits to total assets | 90.9500% | 980 |
| Equity capital to assets | 4.9084% | 4,382 |
| Core capital (leverage) ratio | 10.1593% | 2,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4205% | 520 |
| Memoranda: | ||
| Average total assets | $285,120,600 | 2,528 |
| Average earning assets | $273,705,400 | 2,476 |
| Average equity | $18,936,400 | 3,043 |
| Average total loans | $106,959,600 | 3,061 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5486% | 2,468 |
| Cost of funding earning assets | 0.2514% | 2,688 |
| Net interest margin | 3.2973% | 2,306 |
| Noninterest income to average assets | 0.9300% | 770 |
| Noninterest expense to average assets | 3.1697% | 716 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.9080% | 2,836 |
| Return on assets (ROA) | 0.9080% | 2,814 |
| Pretax return on assets | 0.9080% | 3,289 |
| Return on Equity (ROE) | 12.8300% | 1,761 |
| Retained earnings to average equity (ytd only) | 7.5465% | 2,169 |
| Net charge-offs to loans | 0.0453% | 1,037 |
| Credit loss provision to net charge-offs | 125.0000% | 1,198 |
| Earnings coverage of net charge-offs (x) | 55.1389% | 1,232 |
| Efficiency ratio | 77.3324% | 967 |
| Assets per employee ($millions) | 5.2981% | 3,418 |
| Cash dividends to net income (ytd only)* | 41.1856% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7222% | 835 |
| Loan loss allowance to noncurrent loans | 274.5156% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 0.2390% | 2,028 |
| Noncurrent loans to loans | 0.6273% | 1,297 |
| Net loans and leases to total assets | 37.4300% | 4,168 |
| Net loans and leases to deposits | 40.6720% | 4,214 |
| Net loans and leases to core deposits | 41.6699% | 4,231 |
| Total domestic deposits to total assets | 92.0400% | 864 |
| Equity capital to assets | 3.9936% | 4,478 |
| Core capital (leverage) ratio | 10.2441% | 2,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2678% | 476 |
| Memoranda: | ||
| Average total assets | $284,860,250 | 2,550 |
| Average earning assets | $273,674,750 | 2,490 |
| Average equity | $20,159,000 | 2,981 |
| Average total loans | $105,922,750 | 3,081 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2670% | 2,850 |
| Cost of funding earning assets | 0.2132% | 2,728 |
| Net interest margin | 3.0538% | 2,702 |
| Noninterest income to average assets | 0.9427% | 763 |
| Noninterest expense to average assets | 3.1452% | 682 |
| Loan and lease loss provision to assets | 0.0210% | 2,226 |
| Net operating income to assets | 0.7093% | 3,281 |
| Return on assets (ROA) | 0.7093% | 3,231 |
| Pretax return on assets | 0.7093% | 3,551 |
| Return on Equity (ROE) | 8.7724% | 2,765 |
| Retained earnings to average equity (ytd only) | 3.5349% | 3,259 |
| Net charge-offs to loans | 0.0455% | 938 |
| Credit loss provision to net charge-offs | 125.0000% | 1,168 |
| Earnings coverage of net charge-offs (x) | 43.5417% | 1,218 |
| Efficiency ratio | 81.1576% | 863 |
| Assets per employee ($millions) | 5.2458% | 3,479 |
| Cash dividends to net income (ytd only)* | 59.7044% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7021% | 953 |
| Loan loss allowance to noncurrent loans | 233.6722% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 0.2728% | 1,949 |
| Noncurrent loans to loans | 0.7284% | 1,184 |
| Net loans and leases to total assets | 36.8096% | 4,216 |
| Net loans and leases to deposits | 38.9837% | 4,300 |
| Net loans and leases to core deposits | 39.9238% | 4,323 |
| Total domestic deposits to total assets | 94.4232% | 209 |
| Equity capital to assets | 4.5914% | 4,550 |
| Core capital (leverage) ratio | 10.0216% | 2,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9313% | 479 |
| Memoranda: | ||
| Average total assets | $286,214,333 | 2,556 |
| Average earning assets | $274,873,667 | 2,509 |
| Average equity | $23,140,667 | 2,808 |
| Average total loans | $105,577,667 | 3,118 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1413% | 2,851 |
| Cost of funding earning assets | 0.2044% | 2,741 |
| Net interest margin | 2.9369% | 2,717 |
| Noninterest income to average assets | 0.9500% | 759 |
| Noninterest expense to average assets | 3.1558% | 646 |
| Loan and lease loss provision to assets | 0.0210% | 1,977 |
| Net operating income to assets | 0.5964% | 3,407 |
| Return on assets (ROA) | 0.5964% | 3,390 |
| Pretax return on assets | 0.5964% | 3,645 |
| Return on Equity (ROE) | 6.0525% | 3,333 |
| Retained earnings to average equity (ytd only) | -0.6693% | 4,106 |
| Net charge-offs to loans | 0.0383% | 899 |
| Credit loss provision to net charge-offs | 150.0000% | 860 |
| Earnings coverage of net charge-offs (x) | 44.0000% | 970 |
| Efficiency ratio | 83.6370% | 875 |
| Assets per employee ($millions) | 5.1999% | 3,584 |
| Cash dividends to net income (ytd only)* | 111.0588% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7414% | 981 |
| Loan loss allowance to noncurrent loans | 218.5493% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 0.2941% | 1,945 |
| Noncurrent loans to loans | 0.7968% | 1,190 |
| Net loans and leases to total assets | 36.2632% | 4,192 |
| Net loans and leases to deposits | 39.5709% | 4,265 |
| Net loans and leases to core deposits | 40.6420% | 4,290 |
| Total domestic deposits to total assets | 91.6411% | 732 |
| Equity capital to assets | 8.2019% | 3,409 |
| Core capital (leverage) ratio | 10.3519% | 1,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8855% | 499 |
| Memoranda: | ||
| Average total assets | $285,063,000 | 2,578 |
| Average earning assets | $274,026,500 | 2,529 |
| Average equity | $28,087,500 | 2,602 |
| Average total loans | $104,346,000 | 3,134 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4568% | 2,784 |
| Cost of funding earning assets | 0.2084% | 3,385 |
| Net interest margin | 3.2484% | 2,469 |
| Noninterest income to average assets | 1.1354% | 816 |
| Noninterest expense to average assets | 3.0407% | 930 |
| Loan and lease loss provision to assets | 0.0429% | 2,194 |
| Net operating income to assets | 1.1687% | 2,027 |
| Return on assets (ROA) | 1.1744% | 2,068 |
| Pretax return on assets | 1.1744% | 2,751 |
| Return on Equity (ROE) | 9.5449% | 2,704 |
| Retained earnings to average equity (ytd only) | -3.8029% | 4,677 |
| Net charge-offs to loans | 0.0817% | 985 |
| Credit loss provision to net charge-offs | 139.5349% | 1,535 |
| Earnings coverage of net charge-offs (x) | 39.3837% | 1,450 |
| Efficiency ratio | 71.5067% | 1,563 |
| Assets per employee ($millions) | 5.3610% | 3,405 |
| Cash dividends to net income (ytd only)* | 139.8416% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7771% | 906 |
| Loan loss allowance to noncurrent loans | 220.0480% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 0.2932% | 2,076 |
| Noncurrent loans to loans | 0.8076% | 1,263 |
| Net loans and leases to total assets | 35.6561% | 4,303 |
| Net loans and leases to deposits | 40.3283% | 4,329 |
| Net loans and leases to core deposits | 41.6025% | 4,355 |
| Total domestic deposits to total assets | 88.4145% | 1,836 |
| Equity capital to assets | 11.5151% | 1,507 |
| Core capital (leverage) ratio | 10.6656% | 1,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6165% | 457 |
| Memoranda: | ||
| Average total assets | $279,541,400 | 2,542 |
| Average earning assets | $268,224,600 | 2,498 |
| Average equity | $34,395,200 | 2,318 |
| Average total loans | $105,273,600 | 3,135 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5487% | 2,698 |
| Cost of funding earning assets | 0.2106% | 3,509 |
| Net interest margin | 3.3381% | 2,312 |
| Noninterest income to average assets | 1.1695% | 838 |
| Noninterest expense to average assets | 2.9971% | 980 |
| Loan and lease loss provision to assets | 0.0431% | 2,132 |
| Net operating income to assets | 1.3324% | 1,730 |
| Return on assets (ROA) | 1.3405% | 1,766 |
| Pretax return on assets | 1.3405% | 2,512 |
| Return on Equity (ROE) | 10.7194% | 2,471 |
| Retained earnings to average equity (ytd only) | -6.2386% | 4,806 |
| Net charge-offs to loans | 0.0895% | 804 |
| Credit loss provision to net charge-offs | 126.7606% | 1,435 |
| Earnings coverage of net charge-offs (x) | 40.4507% | 1,363 |
| Efficiency ratio | 68.5433% | 1,753 |
| Assets per employee ($millions) | 5.5835% | 3,108 |
| Cash dividends to net income (ytd only)* | 158.1994% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7735% | 978 |
| Loan loss allowance to noncurrent loans | 137.1041% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 0.4657% | 1,632 |
| Noncurrent loans to loans | 1.2936% | 839 |
| Net loans and leases to total assets | 35.3594% | 4,419 |
| Net loans and leases to deposits | 40.9855% | 4,416 |
| Net loans and leases to core deposits | 42.6708% | 4,429 |
| Total domestic deposits to total assets | 86.2730% | 2,644 |
| Equity capital to assets | 11.9596% | 1,424 |
| Core capital (leverage) ratio | 10.6522% | 1,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0194% | 534 |
| Memoranda: | ||
| Average total assets | $278,394,000 | 2,567 |
| Average earning assets | $267,132,250 | 2,526 |
| Average equity | $34,814,500 | 2,331 |
| Average total loans | $105,806,250 | 3,169 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5169% | 2,840 |
| Cost of funding earning assets | 0.2144% | 3,610 |
| Net interest margin | 3.3025% | 2,426 |
| Noninterest income to average assets | 1.1684% | 840 |
| Noninterest expense to average assets | 3.0072% | 973 |
| Loan and lease loss provision to assets | 0.0434% | 2,144 |
| Net operating income to assets | 1.2842% | 1,908 |
| Return on assets (ROA) | 1.2965% | 1,953 |
| Pretax return on assets | 1.2965% | 2,639 |
| Return on Equity (ROE) | 10.2146% | 2,673 |
| Retained earnings to average equity (ytd only) | -14.6575% | 4,904 |
| Net charge-offs to loans | 0.1235% | 630 |
| Credit loss provision to net charge-offs | 90.9091% | 1,428 |
| Earnings coverage of net charge-offs (x) | 27.7879% | 1,352 |
| Efficiency ratio | 69.3721% | 1,717 |
| Assets per employee ($millions) | 5.5241% | 3,101 |
| Cash dividends to net income (ytd only)* | 243.4953% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6556% | 1,160 |
| Loan loss allowance to noncurrent loans | 166.6357% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 0.3819% | 2,083 |
| Noncurrent loans to loans | 0.9936% | 1,243 |
| Net loans and leases to total assets | 37.8039% | 4,390 |
| Net loans and leases to deposits | 43.4791% | 4,402 |
| Net loans and leases to core deposits | 45.1740% | 4,422 |
| Total domestic deposits to total assets | 86.9474% | 2,355 |
| Equity capital to assets | 11.6221% | 1,558 |
| Core capital (leverage) ratio | 10.2713% | 2,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5765% | 567 |
| Memoranda: | ||
| Average total assets | $276,272,333 | 2,572 |
| Average earning assets | $264,891,333 | 2,538 |
| Average equity | $35,067,333 | 2,310 |
| Average total loans | $106,906,000 | 3,171 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4086% | 3,170 |
| Cost of funding earning assets | 0.2182% | 3,742 |
| Net interest margin | 3.1904% | 2,734 |
| Noninterest income to average assets | 1.2020% | 853 |
| Noninterest expense to average assets | 3.0386% | 932 |
| Loan and lease loss provision to assets | 0.0439% | 2,193 |
| Net operating income to assets | 1.1771% | 2,245 |
| Return on assets (ROA) | 1.1771% | 2,312 |
| Pretax return on assets | 1.1771% | 2,908 |
| Return on Equity (ROE) | 8.8878% | 3,069 |
| Retained earnings to average equity (ytd only) | -4.6371% | 4,682 |
| Net charge-offs to loans | 0.2260% | 372 |
| Credit loss provision to net charge-offs | 50.0000% | 1,306 |
| Earnings coverage of net charge-offs (x) | 13.9167% | 1,381 |
| Efficiency ratio | 71.3354% | 1,560 |
| Assets per employee ($millions) | 5.7284% | 2,879 |
| Cash dividends to net income (ytd only)* | 152.1739% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6287% | 1,219 |
| Loan loss allowance to noncurrent loans | 187.3941% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 0.3363% | 2,455 |
| Noncurrent loans to loans | 0.8691% | 1,553 |
| Net loans and leases to total assets | 38.0649% | 4,417 |
| Net loans and leases to deposits | 43.5361% | 4,442 |
| Net loans and leases to core deposits | 45.4335% | 4,456 |
| Total domestic deposits to total assets | 87.4328% | 2,123 |
| Equity capital to assets | 12.4475% | 1,100 |
| Core capital (leverage) ratio | 11.5532% | 1,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6082% | 472 |
| Memoranda: | ||
| Average total assets | $273,543,500 | 2,577 |
| Average earning assets | $262,164,000 | 2,537 |
| Average equity | $36,229,500 | 2,250 |
| Average total loans | $106,210,000 | 3,185 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7975% | 3,309 |
| Cost of funding earning assets | 0.4161% | 3,486 |
| Net interest margin | 3.3814% | 2,829 |
| Noninterest income to average assets | 1.0493% | 962 |
| Noninterest expense to average assets | 3.2227% | 1,017 |
| Loan and lease loss provision to assets | 0.0740% | 3,456 |
| Net operating income to assets | 0.9829% | 2,351 |
| Return on assets (ROA) | 1.0153% | 2,378 |
| Pretax return on assets | 1.0153% | 2,994 |
| Return on Equity (ROE) | 7.3797% | 3,039 |
| Retained earnings to average equity (ytd only) | 3.9994% | 2,823 |
| Net charge-offs to loans | 0.0495% | 2,086 |
| Credit loss provision to net charge-offs | 349.0566% | 1,584 |
| Earnings coverage of net charge-offs (x) | 49.8679% | 1,202 |
| Efficiency ratio | 75.3037% | 1,305 |
| Assets per employee ($millions) | 5.3279% | 3,020 |
| Cash dividends to net income (ytd only)* | 45.8054% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7330% | 975 |
| Loan loss allowance to noncurrent loans | 204.1998% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 0.3307% | 2,669 |
| Noncurrent loans to loans | 0.8487% | 1,662 |
| Net loans and leases to total assets | 38.2916% | 4,508 |
| Net loans and leases to deposits | 44.6038% | 4,510 |
| Net loans and leases to core deposits | 46.8550% | 4,521 |
| Total domestic deposits to total assets | 85.8485% | 2,429 |
| Equity capital to assets | 14.0843% | 776 |
| Core capital (leverage) ratio | 12.3216% | 1,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2533% | 377 |
| Memoranda: | ||
| Average total assets | $250,072,200 | 2,580 |
| Average earning assets | $238,894,400 | 2,532 |
| Average equity | $34,405,400 | 2,260 |
| Average total loans | $107,009,400 | 3,140 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9081% | 3,229 |
| Cost of funding earning assets | 0.4607% | 3,464 |
| Net interest margin | 3.4474% | 2,760 |
| Noninterest income to average assets | 0.9762% | 1,068 |
| Noninterest expense to average assets | 3.3372% | 858 |
| Loan and lease loss provision to assets | 0.0244% | 4,031 |
| Net operating income to assets | 0.9079% | 2,663 |
| Return on assets (ROA) | 0.9518% | 2,649 |
| Pretax return on assets | 0.9518% | 3,225 |
| Return on Equity (ROE) | 6.9625% | 3,213 |
| Retained earnings to average equity (ytd only) | 4.3100% | 2,892 |
| Net charge-offs to loans | 0.0507% | 1,887 |
| Credit loss provision to net charge-offs | 109.7561% | 2,554 |
| Earnings coverage of net charge-offs (x) | 41.9512% | 1,329 |
| Efficiency ratio | 78.1643% | 1,019 |
| Assets per employee ($millions) | 5.0360% | 3,202 |
| Cash dividends to net income (ytd only)* | 38.0979% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6011% | 1,100 |
| Loan loss allowance to noncurrent loans | 152.7422% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 0.4260% | 2,468 |
| Noncurrent loans to loans | 1.0482% | 1,426 |
| Net loans and leases to total assets | 39.9857% | 4,567 |
| Net loans and leases to deposits | 46.9176% | 4,576 |
| Net loans and leases to core deposits | 48.7339% | 4,609 |
| Total domestic deposits to total assets | 85.2253% | 2,352 |
| Equity capital to assets | 14.3535% | 771 |
| Core capital (leverage) ratio | 12.6729% | 1,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4079% | 385 |
| Memoranda: | ||
| Average total assets | $245,991,500 | 2,589 |
| Average earning assets | $234,990,500 | 2,541 |
| Average equity | $33,626,750 | 2,297 |
| Average total loans | $107,810,250 | 3,132 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0497% | 3,199 |
| Cost of funding earning assets | 0.5063% | 3,492 |
| Net interest margin | 3.5433% | 2,658 |
| Noninterest income to average assets | 0.9003% | 1,172 |
| Noninterest expense to average assets | 3.3733% | 887 |
| Loan and lease loss provision to assets | 0.0248% | 3,944 |
| Net operating income to assets | 0.8804% | 2,770 |
| Return on assets (ROA) | 0.9052% | 2,794 |
| Pretax return on assets | 0.9052% | 3,300 |
| Return on Equity (ROE) | 6.7410% | 3,231 |
| Retained earnings to average equity (ytd only) | 3.0540% | 3,364 |
| Net charge-offs to loans | 0.0275% | 2,169 |
| Credit loss provision to net charge-offs | 200.0000% | 1,910 |
| Earnings coverage of net charge-offs (x) | 73.1333% | 857 |
| Efficiency ratio | 78.8428% | 976 |
| Assets per employee ($millions) | 4.9233% | 3,270 |
| Cash dividends to net income (ytd only)* | 54.6946% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5670% | 1,083 |
| Loan loss allowance to noncurrent loans | 117.0494% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 0.5962% | 2,021 |
| Noncurrent loans to loans | 1.3387% | 1,149 |
| Net loans and leases to total assets | 42.0801% | 4,530 |
| Net loans and leases to deposits | 49.2528% | 4,566 |
| Net loans and leases to core deposits | 51.1421% | 4,595 |
| Total domestic deposits to total assets | 85.4371% | 2,232 |
| Equity capital to assets | 14.2610% | 792 |
| Core capital (leverage) ratio | 12.5971% | 1,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0215% | 404 |
| Memoranda: | ||
| Average total assets | $242,376,333 | 2,592 |
| Average earning assets | $231,081,333 | 2,545 |
| Average equity | $32,547,333 | 2,334 |
| Average total loans | $108,957,333 | 3,116 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2585% | 3,039 |
| Cost of funding earning assets | 0.5968% | 3,451 |
| Net interest margin | 3.6617% | 2,464 |
| Noninterest income to average assets | 0.7915% | 1,337 |
| Noninterest expense to average assets | 3.3359% | 1,166 |
| Loan and lease loss provision to assets | 0.0252% | 3,481 |
| Net operating income to assets | 0.9159% | 2,463 |
| Return on assets (ROA) | 0.9159% | 2,573 |
| Pretax return on assets | 0.9159% | 3,092 |
| Return on Equity (ROE) | 7.0511% | 2,922 |
| Retained earnings to average equity (ytd only) | 1.0997% | 3,715 |
| Net charge-offs to loans | 0.0219% | 1,931 |
| Credit loss provision to net charge-offs | 250.0000% | 1,279 |
| Earnings coverage of net charge-offs (x) | 93.3333% | 605 |
| Efficiency ratio | 77.9961% | 1,335 |
| Assets per employee ($millions) | 4.7171% | 2,968 |
| Cash dividends to net income (ytd only)* | 84.4037% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5155% | 1,291 |
| Loan loss allowance to noncurrent loans | 113.3108% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 0.7511% | 1,800 |
| Noncurrent loans to loans | 1.3375% | 1,213 |
| Net loans and leases to total assets | 45.2997% | 4,452 |
| Net loans and leases to deposits | 53.9279% | 4,448 |
| Net loans and leases to core deposits | 56.5171% | 4,479 |
| Total domestic deposits to total assets | 84.0006% | 2,789 |
| Equity capital to assets | 12.2205% | 1,904 |
| Core capital (leverage) ratio | 12.7502% | 1,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7813% | 509 |
| Memoranda: | ||
| Average total assets | $238,019,500 | 2,570 |
| Average earning assets | $226,560,000 | 2,523 |
| Average equity | $30,917,000 | 2,408 |
| Average total loans | $109,765,500 | 3,083 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3089% | 3,520 |
| Cost of funding earning assets | 0.6259% | 3,530 |
| Net interest margin | 3.6831% | 2,857 |
| Noninterest income to average assets | 0.9883% | 993 |
| Noninterest expense to average assets | 3.3032% | 1,288 |
| Loan and lease loss provision to assets | 0.0504% | 3,014 |
| Net operating income to assets | 1.1058% | 2,417 |
| Return on assets (ROA) | 1.1306% | 2,431 |
| Pretax return on assets | 1.1306% | 3,075 |
| Return on Equity (ROE) | 9.1094% | 2,703 |
| Retained earnings to average equity (ytd only) | 7.1035% | 1,352 |
| Net charge-offs to loans | 0.1007% | 1,719 |
| Credit loss provision to net charge-offs | 106.1947% | 2,337 |
| Earnings coverage of net charge-offs (x) | 24.3717% | 1,777 |
| Efficiency ratio | 74.0727% | 1,590 |
| Assets per employee ($millions) | 4.5282% | 3,181 |
| Cash dividends to net income (ytd only)* | 22.0201% | 3,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5311% | 1,139 |
| Loan loss allowance to noncurrent loans | 134.3272% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 0.6659% | 1,924 |
| Noncurrent loans to loans | 1.1398% | 1,324 |
| Net loans and leases to total assets | 45.5302% | 4,539 |
| Net loans and leases to deposits | 52.8456% | 4,571 |
| Net loans and leases to core deposits | 55.3643% | 4,612 |
| Total domestic deposits to total assets | 86.1569% | 2,001 |
| Equity capital to assets | 13.7747% | 1,180 |
| Core capital (leverage) ratio | 12.6596% | 1,401 |
| Tier 1 risk-based capital ratio | 22.8211% | 928 |
| Total risk-based capital ratio | 24.0714% | 912 |
| Memoranda: | ||
| Average total assets | $238,190,600 | 2,533 |
| Average earning assets | $224,486,600 | 2,500 |
| Average equity | $29,562,800 | 2,419 |
| Average total loans | $112,159,600 | 3,051 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3374% | 3,555 |
| Cost of funding earning assets | 0.6315% | 3,529 |
| Net interest margin | 3.7059% | 2,895 |
| Noninterest income to average assets | 0.9400% | 1,064 |
| Noninterest expense to average assets | 3.3434% | 1,193 |
| Loan and lease loss provision to assets | 0.0502% | 2,893 |
| Net operating income to assets | 1.0315% | 2,853 |
| Return on assets (ROA) | 1.0572% | 2,830 |
| Pretax return on assets | 1.0572% | 3,424 |
| Return on Equity (ROE) | 8.7547% | 2,982 |
| Retained earnings to average equity (ytd only) | 6.0136% | 2,367 |
| Net charge-offs to loans | 0.1180% | 1,311 |
| Credit loss provision to net charge-offs | 90.0000% | 2,393 |
| Earnings coverage of net charge-offs (x) | 19.3800% | 2,003 |
| Efficiency ratio | 75.5550% | 1,383 |
| Assets per employee ($millions) | 4.6246% | 3,009 |
| Cash dividends to net income (ytd only)* | 31.3095% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4665% | 1,341 |
| Loan loss allowance to noncurrent loans | 135.4680% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 1.8571% | 520 |
| Noncurrent loans to loans | 1.0825% | 1,464 |
| Net loans and leases to total assets | 47.0060% | 4,552 |
| Net loans and leases to deposits | 54.8098% | 4,600 |
| Net loans and leases to core deposits | 57.0128% | 4,653 |
| Total domestic deposits to total assets | 85.7620% | 2,097 |
| Equity capital to assets | 13.3760% | 1,416 |
| Core capital (leverage) ratio | 12.2155% | 1,720 |
| Tier 1 risk-based capital ratio | 21.4057% | 1,140 |
| Total risk-based capital ratio | 22.6218% | 1,120 |
| Memoranda: | ||
| Average total assets | $238,871,250 | 2,551 |
| Average earning assets | $224,642,750 | 2,524 |
| Average equity | $28,844,750 | 2,471 |
| Average total loans | $112,980,500 | 3,074 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2940% | 3,652 |
| Cost of funding earning assets | 0.6044% | 3,625 |
| Net interest margin | 3.6896% | 2,961 |
| Noninterest income to average assets | 0.8771% | 1,130 |
| Noninterest expense to average assets | 3.3159% | 1,256 |
| Loan and lease loss provision to assets | 0.0500% | 2,819 |
| Net operating income to assets | 0.9822% | 2,985 |
| Return on assets (ROA) | 1.0205% | 2,925 |
| Pretax return on assets | 1.0205% | 3,472 |
| Return on Equity (ROE) | 8.7605% | 2,951 |
| Retained earnings to average equity (ytd only) | 6.4916% | 2,057 |
| Net charge-offs to loans | 0.0477% | 1,962 |
| Credit loss provision to net charge-offs | 222.2222% | 1,122 |
| Earnings coverage of net charge-offs (x) | 45.8519% | 1,160 |
| Efficiency ratio | 76.2608% | 1,357 |
| Assets per employee ($millions) | 4.7316% | 2,831 |
| Cash dividends to net income (ytd only)* | 25.8987% | 2,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4849% | 1,321 |
| Loan loss allowance to noncurrent loans | 111.3083% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 1.8606% | 527 |
| Noncurrent loans to loans | 1.3341% | 1,170 |
| Net loans and leases to total assets | 46.5448% | 4,624 |
| Net loans and leases to deposits | 53.6326% | 4,695 |
| Net loans and leases to core deposits | 55.7735% | 4,719 |
| Total domestic deposits to total assets | 86.7844% | 1,693 |
| Equity capital to assets | 12.5960% | 1,802 |
| Core capital (leverage) ratio | 12.0152% | 1,819 |
| Tier 1 risk-based capital ratio | 20.4933% | 1,256 |
| Total risk-based capital ratio | 21.7043% | 1,229 |
| Memoranda: | ||
| Average total assets | $239,876,670 | 2,556 |
| Average earning assets | $225,661,670 | 2,535 |
| Average equity | $27,943,670 | 2,515 |
| Average total loans | $113,135,330 | 3,086 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2599% | 3,676 |
| Cost of funding earning assets | 0.5702% | 3,731 |
| Net interest margin | 3.6896% | 2,932 |
| Noninterest income to average assets | 0.8563% | 1,156 |
| Noninterest expense to average assets | 3.3200% | 1,248 |
| Loan and lease loss provision to assets | 0.0502% | 2,651 |
| Net operating income to assets | 0.9600% | 3,005 |
| Return on assets (ROA) | 0.9901% | 2,918 |
| Pretax return on assets | 0.9901% | 3,473 |
| Return on Equity (ROE) | 8.8631% | 2,868 |
| Retained earnings to average equity (ytd only) | 6.2132% | 2,360 |
| Net charge-offs to loans | 0.0568% | 1,478 |
| Credit loss provision to net charge-offs | 187.5000% | 1,088 |
| Earnings coverage of net charge-offs (x) | 37.7500% | 1,190 |
| Efficiency ratio | 76.6705% | 1,421 |
| Assets per employee ($millions) | 4.6663% | 2,961 |
| Cash dividends to net income (ytd only)* | 29.8986% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4751% | 1,411 |
| Loan loss allowance to noncurrent loans | 109.8425% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 1.8489% | 562 |
| Noncurrent loans to loans | 1.3429% | 1,209 |
| Net loans and leases to total assets | 46.9821% | 4,619 |
| Net loans and leases to deposits | 53.3117% | 4,700 |
| Net loans and leases to core deposits | 55.0829% | 4,749 |
| Total domestic deposits to total assets | 88.1273% | 1,268 |
| Equity capital to assets | 11.6421% | 2,277 |
| Core capital (leverage) ratio | 11.8304% | 1,882 |
| Tier 1 risk-based capital ratio | 20.1939% | 1,310 |
| Total risk-based capital ratio | 21.3945% | 1,282 |
| Memoranda: | ||
| Average total assets | $239,158,000 | 2,587 |
| Average earning assets | $225,172,000 | 2,555 |
| Average equity | $26,717,500 | 2,591 |
| Average total loans | $112,697,000 | 3,119 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1368% | 3,631 |
| Cost of funding earning assets | 0.4396% | 3,744 |
| Net interest margin | 3.6972% | 3,041 |
| Noninterest income to average assets | 0.8381% | 1,341 |
| Noninterest expense to average assets | 3.3353% | 1,251 |
| Loan and lease loss provision to assets | 0.2440% | 711 |
| Net operating income to assets | 0.7668% | 3,920 |
| Return on assets (ROA) | 0.7774% | 3,891 |
| Pretax return on assets | 0.7774% | 4,228 |
| Return on Equity (ROE) | 7.2466% | 3,750 |
| Retained earnings to average equity (ytd only) | 2.1321% | 4,303 |
| Net charge-offs to loans | 0.6620% | 253 |
| Credit loss provision to net charge-offs | 73.6236% | 2,944 |
| Earnings coverage of net charge-offs (x) | 3.0499% | 3,455 |
| Efficiency ratio | 76.7428% | 1,261 |
| Assets per employee ($millions) | 4.3697% | 3,348 |
| Cash dividends to net income (ytd only)* | 70.5786% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4833% | 1,341 |
| Loan loss allowance to noncurrent loans | 111.8598% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 1.8141% | 566 |
| Noncurrent loans to loans | 1.3261% | 1,182 |
| Net loans and leases to total assets | 45.8741% | 4,742 |
| Net loans and leases to deposits | 51.4113% | 4,839 |
| Net loans and leases to core deposits | 53.0127% | 4,876 |
| Total domestic deposits to total assets | 89.2296% | 761 |
| Equity capital to assets | 10.7055% | 2,978 |
| Core capital (leverage) ratio | 11.9465% | 1,775 |
| Tier 1 risk-based capital ratio | 20.0568% | 1,295 |
| Total risk-based capital ratio | 21.2570% | 1,280 |
| Memoranda: | ||
| Average total assets | $235,661,600 | 2,572 |
| Average earning assets | $223,602,000 | 2,530 |
| Average equity | $25,280,800 | 2,624 |
| Average total loans | $117,972,200 | 3,018 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1384% | 3,501 |
| Cost of funding earning assets | 0.4138% | 3,764 |
| Net interest margin | 3.7245% | 2,915 |
| Noninterest income to average assets | 0.8426% | 1,350 |
| Noninterest expense to average assets | 3.5070% | 977 |
| Loan and lease loss provision to assets | 0.0426% | 3,135 |
| Net operating income to assets | 0.8341% | 3,802 |
| Return on assets (ROA) | 0.8483% | 3,755 |
| Pretax return on assets | 0.8483% | 4,171 |
| Return on Equity (ROE) | 7.9038% | 3,585 |
| Retained earnings to average equity (ytd only) | 1.0542% | 4,844 |
| Net charge-offs to loans | 0.0591% | 1,977 |
| Credit loss provision to net charge-offs | 141.5094% | 1,786 |
| Earnings coverage of net charge-offs (x) | 29.0964% | 1,642 |
| Efficiency ratio | 80.0000% | 941 |
| Assets per employee ($millions) | 4.1478% | 3,659 |
| Cash dividends to net income (ytd only)* | 86.6625% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6237% | 1,022 |
| Loan loss allowance to noncurrent loans | 39.6139% | 4,581 |
| Noncurrent assets plus other real estate owned to assets | 2.1150% | 490 |
| Noncurrent loans to loans | 4.0989% | 197 |
| Net loans and leases to total assets | 50.1420% | 4,584 |
| Net loans and leases to deposits | 56.4080% | 4,728 |
| Net loans and leases to core deposits | 58.1852% | 4,781 |
| Total domestic deposits to total assets | 88.8918% | 879 |
| Equity capital to assets | 10.6462% | 2,990 |
| Core capital (leverage) ratio | 11.9814% | 1,793 |
| Tier 1 risk-based capital ratio | 19.9456% | 1,345 |
| Total risk-based capital ratio | 21.1968% | 1,311 |
| Memoranda: | ||
| Average total assets | $234,493,500 | 2,589 |
| Average earning assets | $222,949,000 | 2,550 |
| Average equity | $25,168,750 | 2,649 |
| Average total loans | $119,487,500 | 3,029 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1760% | 3,185 |
| Cost of funding earning assets | 0.3974% | 3,739 |
| Net interest margin | 3.7786% | 2,642 |
| Noninterest income to average assets | 0.8283% | 1,393 |
| Noninterest expense to average assets | 3.4461% | 1,079 |
| Loan and lease loss provision to assets | 0.0634% | 2,635 |
| Net operating income to assets | 0.9112% | 3,414 |
| Return on assets (ROA) | 0.9230% | 3,354 |
| Pretax return on assets | 0.9230% | 3,896 |
| Return on Equity (ROE) | 8.5773% | 3,218 |
| Retained earnings to average equity (ytd only) | 0.1257% | 4,935 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9541% | 1,204 |
| Assets per employee ($millions) | 4.0776% | 3,767 |
| Cash dividends to net income (ytd only)* | 98.5348% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6291% | 1,029 |
| Loan loss allowance to noncurrent loans | 128.8845% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 0.6595% | 2,259 |
| Noncurrent loans to loans | 1.2640% | 1,356 |
| Net loans and leases to total assets | 51.3298% | 4,520 |
| Net loans and leases to deposits | 57.9936% | 4,643 |
| Net loans and leases to core deposits | 59.4126% | 4,731 |
| Total domestic deposits to total assets | 88.5094% | 1,137 |
| Equity capital to assets | 10.8775% | 2,753 |
| Core capital (leverage) ratio | 11.5132% | 2,062 |
| Tier 1 risk-based capital ratio | 19.8849% | 1,342 |
| Total risk-based capital ratio | 21.1370% | 1,316 |
| Memoranda: | ||
| Average total assets | $236,615,330 | 2,592 |
| Average earning assets | $224,952,000 | 2,554 |
| Average equity | $25,462,670 | 2,634 |
| Average total loans | $120,558,000 | 3,030 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0752% | 3,324 |
| Cost of funding earning assets | 0.3440% | 4,034 |
| Net interest margin | 3.7312% | 2,682 |
| Noninterest income to average assets | 0.7078% | 1,794 |
| Noninterest expense to average assets | 3.3927% | 1,175 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8656% | 3,430 |
| Return on assets (ROA) | 0.8640% | 3,452 |
| Pretax return on assets | 0.8640% | 3,968 |
| Return on Equity (ROE) | 8.0698% | 3,339 |
| Retained earnings to average equity (ytd only) | -4.1280% | 5,148 |
| Net charge-offs to loans | 0.0132% | 2,287 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 130.2500% | 500 |
| Efficiency ratio | 79.6723% | 1,178 |
| Assets per employee ($millions) | 4.4752% | 3,200 |
| Cash dividends to net income (ytd only)* | 151.1538% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5138% | 1,415 |
| Loan loss allowance to noncurrent loans | 105.1977% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 0.7880% | 2,002 |
| Noncurrent loans to loans | 1.4390% | 1,233 |
| Net loans and leases to total assets | 51.0728% | 4,497 |
| Net loans and leases to deposits | 58.5139% | 4,563 |
| Net loans and leases to core deposits | 60.0784% | 4,650 |
| Total domestic deposits to total assets | 87.2832% | 2,015 |
| Equity capital to assets | 10.4181% | 3,157 |
| Core capital (leverage) ratio | 11.1758% | 2,262 |
| Tier 1 risk-based capital ratio | 19.1409% | 1,524 |
| Total risk-based capital ratio | 20.3915% | 1,478 |
| Memoranda: | ||
| Average total assets | $240,751,500 | 2,577 |
| Average earning assets | $229,092,500 | 2,539 |
| Average equity | $25,775,000 | 2,634 |
| Average total loans | $121,262,500 | 3,046 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0666% | 3,184 |
| Cost of funding earning assets | 0.2557% | 4,516 |
| Net interest margin | 3.8108% | 2,380 |
| Noninterest income to average assets | 0.7890% | 1,610 |
| Noninterest expense to average assets | 3.1295% | 1,779 |
| Loan and lease loss provision to assets | 0.0815% | 2,570 |
| Net operating income to assets | 1.2026% | 1,518 |
| Return on assets (ROA) | 1.2236% | 1,466 |
| Pretax return on assets | 1.2236% | 2,669 |
| Return on Equity (ROE) | 11.4736% | 1,348 |
| Retained earnings to average equity (ytd only) | 7.0509% | 1,055 |
| Net charge-offs to loans | 0.1032% | 2,034 |
| Credit loss provision to net charge-offs | 151.1450% | 1,768 |
| Earnings coverage of net charge-offs (x) | 23.8168% | 1,792 |
| Efficiency ratio | 70.9064% | 2,416 |
| Assets per employee ($millions) | 4.6985% | 2,868 |
| Cash dividends to net income (ytd only)* | 38.5469% | 2,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5612% | 1,240 |
| Loan loss allowance to noncurrent loans | 100.8104% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 0.7981% | 1,952 |
| Noncurrent loans to loans | 1.5486% | 1,092 |
| Net loans and leases to total assets | 48.1586% | 4,755 |
| Net loans and leases to deposits | 54.1259% | 4,886 |
| Net loans and leases to core deposits | 55.5005% | 4,953 |
| Total domestic deposits to total assets | 88.9751% | 1,013 |
| Equity capital to assets | 10.9856% | 2,643 |
| Core capital (leverage) ratio | 11.3382% | 2,069 |
| Tier 1 risk-based capital ratio | 19.7105% | 1,378 |
| Total risk-based capital ratio | 20.9618% | 1,340 |
| Memoranda: | ||
| Average total assets | $242,977,000 | 2,540 |
| Average earning assets | $231,103,800 | 2,490 |
| Average equity | $25,911,600 | 2,612 |
| Average total loans | $126,972,000 | 2,963 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0924% | 3,013 |
| Cost of funding earning assets | 0.2386% | 4,665 |
| Net interest margin | 3.8538% | 2,206 |
| Noninterest income to average assets | 0.8028% | 1,575 |
| Noninterest expense to average assets | 3.3376% | 1,266 |
| Loan and lease loss provision to assets | 0.0885% | 2,309 |
| Net operating income to assets | 1.0429% | 2,362 |
| Return on assets (ROA) | 1.0693% | 2,283 |
| Pretax return on assets | 1.0693% | 3,426 |
| Return on Equity (ROE) | 10.1038% | 2,086 |
| Retained earnings to average equity (ytd only) | 4.7300% | 3,065 |
| Net charge-offs to loans | 0.0962% | 1,822 |
| Credit loss provision to net charge-offs | 173.1183% | 1,509 |
| Earnings coverage of net charge-offs (x) | 22.1392% | 1,881 |
| Efficiency ratio | 74.6834% | 1,793 |
| Assets per employee ($millions) | 4.5115% | 3,113 |
| Cash dividends to net income (ytd only)* | 53.1862% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5076% | 1,508 |
| Loan loss allowance to noncurrent loans | 100.6469% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 0.8172% | 2,104 |
| Noncurrent loans to loans | 1.4979% | 1,246 |
| Net loans and leases to total assets | 51.0110% | 4,645 |
| Net loans and leases to deposits | 57.7562% | 4,774 |
| Net loans and leases to core deposits | 59.1774% | 4,859 |
| Total domestic deposits to total assets | 88.3213% | 1,206 |
| Equity capital to assets | 11.2354% | 2,632 |
| Core capital (leverage) ratio | 11.0603% | 2,402 |
| Tier 1 risk-based capital ratio | 18.9363% | 1,603 |
| Total risk-based capital ratio | 20.1876% | 1,563 |
| Memoranda: | ||
| Average total assets | $242,641,250 | 2,561 |
| Average earning assets | $230,830,750 | 2,507 |
| Average equity | $25,679,500 | 2,650 |
| Average total loans | $128,833,250 | 2,955 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0514% | 3,008 |
| Cost of funding earning assets | 0.2207% | 4,797 |
| Net interest margin | 3.8308% | 2,172 |
| Noninterest income to average assets | 0.7530% | 1,763 |
| Noninterest expense to average assets | 3.3107% | 1,355 |
| Loan and lease loss provision to assets | 0.1009% | 2,001 |
| Net operating income to assets | 0.9868% | 2,492 |
| Return on assets (ROA) | 0.9983% | 2,480 |
| Pretax return on assets | 0.9983% | 3,576 |
| Return on Equity (ROE) | 9.6265% | 2,201 |
| Retained earnings to average equity (ytd only) | 3.5595% | 3,587 |
| Net charge-offs to loans | 0.0322% | 2,554 |
| Credit loss provision to net charge-offs | 585.7143% | 587 |
| Earnings coverage of net charge-offs (x) | 63.1429% | 918 |
| Efficiency ratio | 75.2704% | 1,823 |
| Assets per employee ($millions) | 4.4132% | 3,253 |
| Cash dividends to net income (ytd only)* | 63.0238% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4428% | 1,773 |
| Loan loss allowance to noncurrent loans | 94.9076% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 0.8565% | 2,066 |
| Noncurrent loans to loans | 1.5202% | 1,232 |
| Net loans and leases to total assets | 53.4992% | 4,437 |
| Net loans and leases to deposits | 60.2601% | 4,605 |
| Net loans and leases to core deposits | 61.7229% | 4,730 |
| Total domestic deposits to total assets | 88.7804% | 1,067 |
| Equity capital to assets | 10.9514% | 2,858 |
| Core capital (leverage) ratio | 10.6580% | 2,751 |
| Tier 1 risk-based capital ratio | 17.8934% | 1,886 |
| Total risk-based capital ratio | 19.1440% | 1,839 |
| Memoranda: | ||
| Average total assets | $243,818,000 | 2,562 |
| Average earning assets | $232,016,000 | 2,508 |
| Average equity | $25,284,330 | 2,683 |
| Average total loans | $130,497,670 | 2,942 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9878% | 3,083 |
| Cost of funding earning assets | 0.2165% | 4,829 |
| Net interest margin | 3.7713% | 2,217 |
| Noninterest income to average assets | 0.7153% | 1,892 |
| Noninterest expense to average assets | 3.3033% | 1,386 |
| Loan and lease loss provision to assets | 0.1408% | 1,339 |
| Net operating income to assets | 0.8643% | 2,926 |
| Return on assets (ROA) | 0.8856% | 2,881 |
| Pretax return on assets | 0.8856% | 3,820 |
| Return on Equity (ROE) | 8.7841% | 2,519 |
| Retained earnings to average equity (ytd only) | 0.0974% | 4,890 |
| Net charge-offs to loans | 0.0308% | 2,149 |
| Credit loss provision to net charge-offs | 860.0000% | 365 |
| Earnings coverage of net charge-offs (x) | 61.4000% | 796 |
| Efficiency ratio | 76.6717% | 1,810 |
| Assets per employee ($millions) | 4.4205% | 3,293 |
| Cash dividends to net income (ytd only)* | 98.8909% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4355% | 1,921 |
| Loan loss allowance to noncurrent loans | 82.3452% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 0.9658% | 1,905 |
| Noncurrent loans to loans | 1.7433% | 1,096 |
| Net loans and leases to total assets | 52.9510% | 4,432 |
| Net loans and leases to deposits | 60.3309% | 4,545 |
| Net loans and leases to core deposits | 63.4182% | 4,570 |
| Total domestic deposits to total assets | 87.7676% | 1,849 |
| Equity capital to assets | 10.2630% | 3,457 |
| Core capital (leverage) ratio | 10.3919% | 3,015 |
| Tier 1 risk-based capital ratio | 17.5793% | 2,012 |
| Total risk-based capital ratio | 18.8301% | 1,965 |
| Memoranda: | ||
| Average total assets | $244,363,500 | 2,580 |
| Average earning assets | $232,812,500 | 2,529 |
| Average equity | $24,635,500 | 2,742 |
| Average total loans | $129,867,500 | 2,958 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9268% | 3,470 |
| Cost of funding earning assets | 0.2155% | 4,880 |
| Net interest margin | 3.7114% | 2,647 |
| Noninterest income to average assets | 0.8880% | 1,451 |
| Noninterest expense to average assets | 3.1021% | 2,031 |
| Loan and lease loss provision to assets | 0.1005% | 2,367 |
| Net operating income to assets | 1.2182% | 1,443 |
| Return on assets (ROA) | 1.2950% | 1,298 |
| Pretax return on assets | 1.2950% | 2,300 |
| Return on Equity (ROE) | 12.4754% | 1,124 |
| Retained earnings to average equity (ytd only) | 7.3186% | 1,105 |
| Net charge-offs to loans | 0.2808% | 979 |
| Credit loss provision to net charge-offs | 70.8215% | 3,125 |
| Earnings coverage of net charge-offs (x) | 9.2890% | 2,769 |
| Efficiency ratio | 70.1692% | 2,874 |
| Assets per employee ($millions) | 4.4655% | 3,167 |
| Cash dividends to net income (ytd only)* | 41.3354% | 2,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3932% | 2,107 |
| Loan loss allowance to noncurrent loans | 92.6365% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 0.8172% | 2,304 |
| Noncurrent loans to loans | 1.5040% | 1,333 |
| Net loans and leases to total assets | 51.8416% | 4,623 |
| Net loans and leases to deposits | 59.7788% | 4,686 |
| Net loans and leases to core deposits | 62.9348% | 4,693 |
| Total domestic deposits to total assets | 86.7224% | 2,275 |
| Equity capital to assets | 9.9018% | 3,813 |
| Core capital (leverage) ratio | 10.4189% | 2,966 |
| Tier 1 risk-based capital ratio | 17.7716% | 1,912 |
| Total risk-based capital ratio | 19.0217% | 1,871 |
| Memoranda: | ||
| Average total assets | $248,640,400 | 2,516 |
| Average earning assets | $236,678,800 | 2,461 |
| Average equity | $25,810,800 | 2,650 |
| Average total loans | $125,697,200 | 2,985 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9038% | 3,574 |
| Cost of funding earning assets | 0.2157% | 4,916 |
| Net interest margin | 3.6882% | 2,763 |
| Noninterest income to average assets | 0.8527% | 1,569 |
| Noninterest expense to average assets | 3.2017% | 1,767 |
| Loan and lease loss provision to assets | 0.1139% | 2,032 |
| Net operating income to assets | 1.0478% | 2,208 |
| Return on assets (ROA) | 1.1505% | 1,906 |
| Pretax return on assets | 1.1505% | 3,048 |
| Return on Equity (ROE) | 10.9582% | 1,686 |
| Retained earnings to average equity (ytd only) | 5.8355% | 2,280 |
| Net charge-offs to loans | 0.3674% | 608 |
| Credit loss provision to net charge-offs | 61.9186% | 2,888 |
| Earnings coverage of net charge-offs (x) | 6.3168% | 3,009 |
| Efficiency ratio | 73.3766% | 2,384 |
| Assets per employee ($millions) | 4.4024% | 3,243 |
| Cash dividends to net income (ytd only)* | 46.7472% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4188% | 2,118 |
| Loan loss allowance to noncurrent loans | 130.5085% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 0.5873% | 3,150 |
| Noncurrent loans to loans | 1.0871% | 2,082 |
| Net loans and leases to total assets | 50.8223% | 4,756 |
| Net loans and leases to deposits | 57.9304% | 4,880 |
| Net loans and leases to core deposits | 60.9036% | 4,891 |
| Total domestic deposits to total assets | 87.7298% | 1,540 |
| Equity capital to assets | 11.0299% | 2,976 |
| Core capital (leverage) ratio | 10.1410% | 3,393 |
| Tier 1 risk-based capital ratio | 17.8419% | 1,964 |
| Total risk-based capital ratio | 19.0920% | 1,928 |
| Memoranda: | ||
| Average total assets | $249,400,000 | 2,517 |
| Average earning assets | $237,402,000 | 2,461 |
| Average equity | $26,183,750 | 2,642 |
| Average total loans | $124,840,750 | 3,003 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8555% | 3,758 |
| Cost of funding earning assets | 0.2160% | 4,984 |
| Net interest margin | 3.6394% | 2,935 |
| Noninterest income to average assets | 0.8029% | 1,700 |
| Noninterest expense to average assets | 3.1713% | 1,884 |
| Loan and lease loss provision to assets | 0.1390% | 1,631 |
| Net operating income to assets | 0.9578% | 2,591 |
| Return on assets (ROA) | 1.0865% | 2,142 |
| Pretax return on assets | 1.0865% | 3,256 |
| Return on Equity (ROE) | 10.5193% | 1,841 |
| Retained earnings to average equity (ytd only) | 4.5138% | 3,042 |
| Net charge-offs to loans | 0.5110% | 425 |
| Credit loss provision to net charge-offs | 54.8589% | 2,631 |
| Earnings coverage of net charge-offs (x) | 4.3292% | 3,001 |
| Efficiency ratio | 74.3022% | 2,318 |
| Assets per employee ($millions) | 4.7001% | 2,716 |
| Cash dividends to net income (ytd only)* | 57.0906% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3818% | 2,373 |
| Loan loss allowance to noncurrent loans | 109.9437% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 0.7005% | 2,879 |
| Noncurrent loans to loans | 1.2568% | 1,823 |
| Net loans and leases to total assets | 50.3679% | 4,819 |
| Net loans and leases to deposits | 56.7259% | 4,971 |
| Net loans and leases to core deposits | 59.5397% | 4,999 |
| Total domestic deposits to total assets | 88.7918% | 1,016 |
| Equity capital to assets | 10.6570% | 3,461 |
| Core capital (leverage) ratio | 9.7297% | 3,895 |
| Tier 1 risk-based capital ratio | 17.0161% | 2,210 |
| Total risk-based capital ratio | 18.2587% | 2,175 |
| Memoranda: | ||
| Average total assets | $251,822,670 | 2,519 |
| Average earning assets | $239,762,330 | 2,456 |
| Average equity | $26,009,330 | 2,664 |
| Average total loans | $124,845,000 | 3,013 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8823% | 3,651 |
| Cost of funding earning assets | 0.2172% | 5,034 |
| Net interest margin | 3.6651% | 2,828 |
| Noninterest income to average assets | 0.7204% | 1,936 |
| Noninterest expense to average assets | 3.1582% | 1,933 |
| Loan and lease loss provision to assets | 0.0600% | 2,751 |
| Net operating income to assets | 0.9953% | 2,300 |
| Return on assets (ROA) | 1.0222% | 2,306 |
| Pretax return on assets | 1.0222% | 3,397 |
| Return on Equity (ROE) | 10.0542% | 1,961 |
| Retained earnings to average equity (ytd only) | 1.5695% | 4,642 |
| Net charge-offs to loans | 0.9284% | 210 |
| Credit loss provision to net charge-offs | 13.2404% | 2,345 |
| Earnings coverage of net charge-offs (x) | 2.3275% | 2,701 |
| Efficiency ratio | 74.9531% | 2,333 |
| Assets per employee ($millions) | 4.7627% | 2,658 |
| Cash dividends to net income (ytd only)* | 84.3895% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3334% | 2,743 |
| Loan loss allowance to noncurrent loans | 109.0369% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 0.6881% | 2,995 |
| Noncurrent loans to loans | 1.2229% | 1,979 |
| Net loans and leases to total assets | 48.4550% | 4,931 |
| Net loans and leases to deposits | 54.2247% | 5,089 |
| Net loans and leases to core deposits | 56.8605% | 5,093 |
| Total domestic deposits to total assets | 89.3596% | 917 |
| Equity capital to assets | 10.3092% | 3,732 |
| Core capital (leverage) ratio | 9.3294% | 4,457 |
| Tier 1 risk-based capital ratio | 16.8744% | 2,334 |
| Total risk-based capital ratio | 18.0569% | 2,306 |
| Memoranda: | ||
| Average total assets | $253,182,500 | 2,517 |
| Average earning assets | $241,300,500 | 2,456 |
| Average equity | $25,740,500 | 2,681 |
| Average total loans | $123,654,500 | 3,034 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7656% | 4,148 |
| Cost of funding earning assets | 0.2461% | 4,820 |
| Net interest margin | 3.5195% | 3,455 |
| Noninterest income to average assets | 0.7991% | 1,794 |
| Noninterest expense to average assets | 2.8850% | 2,908 |
| Loan and lease loss provision to assets | 0.1207% | 1,988 |
| Net operating income to assets | 1.1524% | 1,723 |
| Return on assets (ROA) | 1.1734% | 1,729 |
| Pretax return on assets | 1.1734% | 2,758 |
| Return on Equity (ROE) | 12.3771% | 1,213 |
| Retained earnings to average equity (ytd only) | 7.0779% | 1,248 |
| Net charge-offs to loans | 0.0182% | 3,918 |
| Credit loss provision to net charge-offs | 1,476.1905% | 234 |
| Earnings coverage of net charge-offs (x) | 155.6667% | 409 |
| Efficiency ratio | 69.3828% | 3,324 |
| Assets per employee ($millions) | 4.7913% | 2,618 |
| Cash dividends to net income (ytd only)* | 42.8145% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5420% | 1,826 |
| Loan loss allowance to noncurrent loans | 94.5798% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 0.8333% | 2,583 |
| Noncurrent loans to loans | 1.6304% | 1,400 |
| Net loans and leases to total assets | 47.8229% | 5,026 |
| Net loans and leases to deposits | 54.4117% | 5,140 |
| Net loans and leases to core deposits | 57.3898% | 5,137 |
| Total domestic deposits to total assets | 87.8909% | 1,687 |
| Equity capital to assets | 10.0252% | 3,927 |
| Core capital (leverage) ratio | 9.2564% | 4,536 |
| Tier 1 risk-based capital ratio | 16.9252% | 2,310 |
| Total risk-based capital ratio | 18.1770% | 2,259 |
| Memoranda: | ||
| Average total assets | $256,775,200 | 2,451 |
| Average earning assets | $245,060,000 | 2,382 |
| Average equity | $24,343,400 | 2,752 |
| Average total loans | $115,097,000 | 3,119 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7422% | 4,283 |
| Cost of funding earning assets | 0.2560% | 4,808 |
| Net interest margin | 3.4863% | 3,594 |
| Noninterest income to average assets | 0.7949% | 1,821 |
| Noninterest expense to average assets | 2.9826% | 2,584 |
| Loan and lease loss provision to assets | 0.1113% | 2,026 |
| Net operating income to assets | 1.0294% | 2,333 |
| Return on assets (ROA) | 1.0496% | 2,315 |
| Pretax return on assets | 1.0496% | 3,416 |
| Return on Equity (ROE) | 11.2305% | 1,616 |
| Retained earnings to average equity (ytd only) | 4.7648% | 3,078 |
| Net charge-offs to loans | 0.0142% | 3,680 |
| Credit loss provision to net charge-offs | 1,791.6667% | 210 |
| Earnings coverage of net charge-offs (x) | 183.5788% | 389 |
| Efficiency ratio | 72.3345% | 2,823 |
| Assets per employee ($millions) | 4.8112% | 2,545 |
| Cash dividends to net income (ytd only)* | 57.5727% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5029% | 2,147 |
| Loan loss allowance to noncurrent loans | 101.5092% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 0.6886% | 3,183 |
| Noncurrent loans to loans | 1.4805% | 1,690 |
| Net loans and leases to total assets | 45.8115% | 5,244 |
| Net loans and leases to deposits | 53.3476% | 5,300 |
| Net loans and leases to core deposits | 56.1301% | 5,304 |
| Total domestic deposits to total assets | 85.8736% | 2,602 |
| Equity capital to assets | 9.5068% | 4,741 |
| Core capital (leverage) ratio | 8.7568% | 5,293 |
| Tier 1 risk-based capital ratio | 16.3433% | 2,650 |
| Total risk-based capital ratio | 17.5937% | 2,596 |
| Memoranda: | ||
| Average total assets | $257,483,750 | 2,458 |
| Average earning assets | $245,835,500 | 2,397 |
| Average equity | $24,064,750 | 2,796 |
| Average total loans | $113,035,250 | 3,180 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7389% | 4,282 |
| Cost of funding earning assets | 0.2759% | 4,657 |
| Net interest margin | 3.4630% | 3,649 |
| Noninterest income to average assets | 0.7503% | 1,990 |
| Noninterest expense to average assets | 2.9870% | 2,597 |
| Loan and lease loss provision to assets | 0.1441% | 1,497 |
| Net operating income to assets | 0.9240% | 2,763 |
| Return on assets (ROA) | 0.9544% | 2,727 |
| Pretax return on assets | 0.9544% | 3,756 |
| Return on Equity (ROE) | 10.2711% | 1,947 |
| Retained earnings to average equity (ytd only) | 1.4841% | 4,956 |
| Net charge-offs to loans | 0.0036% | 3,768 |
| Credit loss provision to net charge-offs | 9,250.0000% | 50 |
| Earnings coverage of net charge-offs (x) | 685.5000% | 91 |
| Efficiency ratio | 73.6599% | 2,725 |
| Assets per employee ($millions) | 4.9342% | 2,357 |
| Cash dividends to net income (ytd only)* | 85.5510% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5337% | 2,143 |
| Loan loss allowance to noncurrent loans | 94.7757% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 0.7246% | 3,210 |
| Noncurrent loans to loans | 1.6183% | 1,619 |
| Net loans and leases to total assets | 44.0912% | 5,375 |
| Net loans and leases to deposits | 51.5519% | 5,412 |
| Net loans and leases to core deposits | 52.7436% | 5,497 |
| Total domestic deposits to total assets | 85.5278% | 2,904 |
| Equity capital to assets | 9.0201% | 5,219 |
| Core capital (leverage) ratio | 8.4265% | 5,602 |
| Tier 1 risk-based capital ratio | 16.0472% | 2,832 |
| Total risk-based capital ratio | 17.2978% | 2,787 |
| Memoranda: | ||
| Average total assets | $256,710,330 | 2,482 |
| Average earning assets | $244,989,330 | 2,420 |
| Average equity | $23,853,330 | 2,826 |
| Average total loans | $110,435,000 | 3,241 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7948% | 4,030 |
| Cost of funding earning assets | 0.2868% | 4,589 |
| Net interest margin | 3.5080% | 3,407 |
| Noninterest income to average assets | 0.7141% | 2,105 |
| Noninterest expense to average assets | 3.0184% | 2,524 |
| Loan and lease loss provision to assets | 0.1966% | 945 |
| Net operating income to assets | 0.8462% | 3,027 |
| Return on assets (ROA) | 0.9076% | 2,836 |
| Pretax return on assets | 0.9076% | 3,860 |
| Return on Equity (ROE) | 9.6225% | 2,171 |
| Retained earnings to average equity (ytd only) | -2.2847% | 5,717 |
| Net charge-offs to loans | 0.0112% | 2,967 |
| Credit loss provision to net charge-offs | 4,166.6667% | 95 |
| Earnings coverage of net charge-offs (x) | 221.0000% | 258 |
| Efficiency ratio | 74.3222% | 2,765 |
| Assets per employee ($millions) | 4.9006% | 2,489 |
| Cash dividends to net income (ytd only)* | 123.7435% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5820% | 2,116 |
| Loan loss allowance to noncurrent loans | 288.6855% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.2314% | 5,006 |
| Noncurrent loans to loans | 0.5480% | 3,937 |
| Net loans and leases to total assets | 41.5557% | 5,514 |
| Net loans and leases to deposits | 45.9951% | 5,657 |
| Net loans and leases to core deposits | 47.0091% | 5,715 |
| Total domestic deposits to total assets | 90.3481% | 589 |
| Equity capital to assets | 9.2496% | 5,027 |
| Core capital (leverage) ratio | 8.5439% | 5,480 |
| Tier 1 risk-based capital ratio | 16.2402% | 2,807 |
| Total risk-based capital ratio | 17.4904% | 2,751 |
| Memoranda: | ||
| Average total assets | $254,308,000 | 2,520 |
| Average earning assets | $242,648,500 | 2,447 |
| Average equity | $23,985,500 | 2,828 |
| Average total loans | $107,102,000 | 3,319 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8516% | 4,309 |
| Cost of funding earning assets | 0.2966% | 4,826 |
| Net interest margin | 3.5550% | 3,581 |
| Noninterest income to average assets | 0.8035% | 1,860 |
| Noninterest expense to average assets | 3.0282% | 2,761 |
| Loan and lease loss provision to assets | 0.0106% | 4,413 |
| Net operating income to assets | 1.1432% | 1,799 |
| Return on assets (ROA) | 1.2116% | 1,606 |
| Pretax return on assets | 1.2116% | 2,603 |
| Return on Equity (ROE) | 13.0387% | 1,129 |
| Retained earnings to average equity (ytd only) | 6.5239% | 1,627 |
| Net charge-offs to loans | -0.1433% | 6,201 |
| Credit loss provision to net charge-offs | -17.6056% | 5,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4103% | 3,132 |
| Assets per employee ($millions) | 4.6090% | 2,862 |
| Cash dividends to net income (ytd only)* | 49.9649% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5430% | 2,289 |
| Loan loss allowance to noncurrent loans | 333.9545% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.1941% | 5,252 |
| Noncurrent loans to loans | 0.4620% | 4,264 |
| Net loans and leases to total assets | 41.3536% | 5,668 |
| Net loans and leases to deposits | 46.7970% | 5,757 |
| Net loans and leases to core deposits | 47.8986% | 5,817 |
| Total domestic deposits to total assets | 88.3681% | 1,587 |
| Equity capital to assets | 9.6217% | 4,561 |
| Core capital (leverage) ratio | 8.9017% | 5,116 |
| Tier 1 risk-based capital ratio | 16.7748% | 2,608 |
| Total risk-based capital ratio | 18.0181% | 2,565 |
| Memoranda: | ||
| Average total assets | $235,221,400 | 2,656 |
| Average earning assets | $223,541,400 | 2,596 |
| Average equity | $21,858,000 | 2,965 |
| Average total loans | $99,087,000 | 3,447 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8475% | 4,379 |
| Cost of funding earning assets | 0.3033% | 4,861 |
| Net interest margin | 3.5441% | 3,652 |
| Noninterest income to average assets | 0.7512% | 2,093 |
| Noninterest expense to average assets | 3.1819% | 2,233 |
| Loan and lease loss provision to assets | 0.0144% | 4,127 |
| Net operating income to assets | 0.9220% | 2,813 |
| Return on assets (ROA) | 0.9744% | 2,642 |
| Pretax return on assets | 0.9744% | 3,697 |
| Return on Equity (ROE) | 10.5860% | 1,951 |
| Retained earnings to average equity (ytd only) | 1.6873% | 5,204 |
| Net charge-offs to loans | -0.1896% | 6,297 |
| Credit loss provision to net charge-offs | -17.9856% | 5,267 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2626% | 2,310 |
| Assets per employee ($millions) | 4.4660% | 3,030 |
| Cash dividends to net income (ytd only)* | 84.0614% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5657% | 2,436 |
| Loan loss allowance to noncurrent loans | 450.9804% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.4321% | 4,617 |
| Noncurrent loans to loans | 0.3472% | 4,861 |
| Net loans and leases to total assets | 41.9708% | 5,674 |
| Net loans and leases to deposits | 46.4493% | 5,843 |
| Net loans and leases to core deposits | 47.5510% | 5,907 |
| Total domestic deposits to total assets | 90.3585% | 589 |
| Equity capital to assets | 9.2916% | 5,044 |
| Core capital (leverage) ratio | 8.8056% | 5,331 |
| Tier 1 risk-based capital ratio | 16.3981% | 2,853 |
| Total risk-based capital ratio | 17.6482% | 2,812 |
| Memoranda: | ||
| Average total assets | $231,805,500 | 2,698 |
| Average earning assets | $220,226,750 | 2,635 |
| Average equity | $21,335,750 | 3,023 |
| Average total loans | $97,724,750 | 3,496 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8415% | 4,364 |
| Cost of funding earning assets | 0.3102% | 4,874 |
| Net interest margin | 3.5314% | 3,649 |
| Noninterest income to average assets | 0.7478% | 2,058 |
| Noninterest expense to average assets | 3.2193% | 2,128 |
| Loan and lease loss provision to assets | 0.0219% | 3,842 |
| Net operating income to assets | 0.8623% | 2,996 |
| Return on assets (ROA) | 0.9419% | 2,690 |
| Pretax return on assets | 0.9419% | 3,716 |
| Return on Equity (ROE) | 10.2677% | 2,025 |
| Retained earnings to average equity (ytd only) | -2.2690% | 6,023 |
| Net charge-offs to loans | -0.3416% | 6,457 |
| Credit loss provision to net charge-offs | -15.2439% | 5,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4527% | 2,233 |
| Assets per employee ($millions) | 4.2518% | 3,367 |
| Cash dividends to net income (ytd only)* | 122.0984% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6683% | 2,240 |
| Loan loss allowance to noncurrent loans | 262.0192% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.5161% | 4,454 |
| Noncurrent loans to loans | 0.6367% | 4,117 |
| Net loans and leases to total assets | 41.2104% | 5,729 |
| Net loans and leases to deposits | 45.6039% | 5,902 |
| Net loans and leases to core deposits | 46.6961% | 5,966 |
| Total domestic deposits to total assets | 90.3661% | 633 |
| Equity capital to assets | 9.3923% | 4,852 |
| Core capital (leverage) ratio | 8.7513% | 5,336 |
| Tier 1 risk-based capital ratio | 16.4842% | 2,834 |
| Total risk-based capital ratio | 17.7356% | 2,799 |
| Memoranda: | ||
| Average total assets | $228,685,670 | 2,740 |
| Average earning assets | $217,309,670 | 2,664 |
| Average equity | $20,978,330 | 3,059 |
| Average total loans | $96,023,330 | 3,540 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8402% | 4,321 |
| Cost of funding earning assets | 0.3140% | 4,931 |
| Net interest margin | 3.5262% | 3,584 |
| Noninterest income to average assets | 0.6510% | 2,456 |
| Noninterest expense to average assets | 3.2410% | 2,099 |
| Loan and lease loss provision to assets | 0.0265% | 3,484 |
| Net operating income to assets | 0.7413% | 3,475 |
| Return on assets (ROA) | 0.8846% | 2,789 |
| Pretax return on assets | 0.8846% | 3,757 |
| Return on Equity (ROE) | 9.7630% | 2,127 |
| Retained earnings to average equity (ytd only) | -10.0364% | 6,362 |
| Net charge-offs to loans | 0.0463% | 2,739 |
| Credit loss provision to net charge-offs | 136.3636% | 1,328 |
| Earnings coverage of net charge-offs (x) | 39.4545% | 882 |
| Efficiency ratio | 80.8473% | 2,073 |
| Assets per employee ($millions) | 4.2599% | 3,420 |
| Cash dividends to net income (ytd only)* | 202.8000% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4787% | 3,242 |
| Loan loss allowance to noncurrent loans | 273.5849% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.4838% | 4,695 |
| Noncurrent loans to loans | 0.5405% | 4,552 |
| Net loans and leases to total assets | 41.9967% | 5,669 |
| Net loans and leases to deposits | 46.1799% | 5,839 |
| Net loans and leases to core deposits | 47.2989% | 5,913 |
| Total domestic deposits to total assets | 90.9414% | 596 |
| Equity capital to assets | 8.9273% | 5,188 |
| Core capital (leverage) ratio | 8.7503% | 5,322 |
| Tier 1 risk-based capital ratio | 16.2890% | 3,015 |
| Total risk-based capital ratio | 17.4804% | 3,003 |
| Memoranda: | ||
| Average total assets | $226,103,000 | 2,768 |
| Average earning assets | $215,302,500 | 2,693 |
| Average equity | $20,485,500 | 3,119 |
| Average total loans | $95,032,000 | 3,580 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8057% | 4,799 |
| Cost of funding earning assets | 0.3135% | 5,479 |
| Net interest margin | 3.4921% | 3,937 |
| Noninterest income to average assets | 0.6738% | 2,681 |
| Noninterest expense to average assets | 2.9493% | 3,203 |
| Loan and lease loss provision to assets | 0.0260% | 4,609 |
| Net operating income to assets | 1.0279% | 2,211 |
| Return on assets (ROA) | 1.0302% | 2,263 |
| Pretax return on assets | 1.0302% | 3,229 |
| Return on Equity (ROE) | 10.6938% | 1,864 |
| Retained earnings to average equity (ytd only) | 7.1484% | 1,379 |
| Net charge-offs to loans | 0.1507% | 3,296 |
| Credit loss provision to net charge-offs | 41.1765% | 4,019 |
| Earnings coverage of net charge-offs (x) | 16.7206% | 1,778 |
| Efficiency ratio | 73.6745% | 3,186 |
| Assets per employee ($millions) | 4.2725% | 3,311 |
| Cash dividends to net income (ytd only)* | 33.1534% | 3,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5716% | 2,878 |
| Loan loss allowance to noncurrent loans | 262.4319% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.5104% | 4,713 |
| Noncurrent loans to loans | 0.5989% | 4,487 |
| Net loans and leases to total assets | 40.7618% | 5,912 |
| Net loans and leases to deposits | 45.8152% | 6,027 |
| Net loans and leases to core deposits | 47.3106% | 6,075 |
| Total domestic deposits to total assets | 88.9702% | 1,650 |
| Equity capital to assets | 9.1979% | 4,807 |
| Core capital (leverage) ratio | 9.2677% | 4,607 |
| Tier 1 risk-based capital ratio | 17.3757% | 2,463 |
| Total risk-based capital ratio | 18.6111% | 2,443 |
| Memoranda: | ||
| Average total assets | $215,777,200 | 2,850 |
| Average earning assets | $205,720,200 | 2,773 |
| Average equity | $20,787,800 | 3,072 |
| Average total loans | $90,253,400 | 3,685 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7545% | 5,016 |
| Cost of funding earning assets | 0.3121% | 5,623 |
| Net interest margin | 3.4424% | 4,114 |
| Noninterest income to average assets | 0.6667% | 2,792 |
| Noninterest expense to average assets | 3.0360% | 2,867 |
| Loan and lease loss provision to assets | 0.0193% | 4,624 |
| Net operating income to assets | 0.8933% | 2,864 |
| Return on assets (ROA) | 0.8964% | 2,968 |
| Pretax return on assets | 0.8964% | 3,902 |
| Return on Equity (ROE) | 9.1969% | 2,541 |
| Retained earnings to average equity (ytd only) | 4.9753% | 3,107 |
| Net charge-offs to loans | -0.0045% | 5,769 |
| Credit loss provision to net charge-offs | -1,033.3333% | 6,191 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8879% | 2,579 |
| Assets per employee ($millions) | 4.4472% | 2,964 |
| Cash dividends to net income (ytd only)* | 45.9028% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7212% | 2,555 |
| Loan loss allowance to noncurrent loans | 213.1148% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.6035% | 4,630 |
| Noncurrent loans to loans | 0.8077% | 4,221 |
| Net loans and leases to total assets | 40.8752% | 5,970 |
| Net loans and leases to deposits | 45.3639% | 6,135 |
| Net loans and leases to core deposits | 46.5953% | 6,187 |
| Total domestic deposits to total assets | 90.1052% | 935 |
| Equity capital to assets | 9.1197% | 5,028 |
| Core capital (leverage) ratio | 9.0791% | 4,997 |
| Tier 1 risk-based capital ratio | 17.6657% | 2,450 |
| Total risk-based capital ratio | 18.9174% | 2,419 |
| Memoranda: | ||
| Average total assets | $214,178,750 | 2,897 |
| Average earning assets | $204,196,500 | 2,811 |
| Average equity | $20,876,000 | 3,085 |
| Average total loans | $89,815,000 | 3,721 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7508% | 4,986 |
| Cost of funding earning assets | 0.3066% | 5,779 |
| Net interest margin | 3.4443% | 4,022 |
| Noninterest income to average assets | 0.6208% | 3,073 |
| Noninterest expense to average assets | 2.9915% | 3,022 |
| Loan and lease loss provision to assets | 0.0291% | 4,346 |
| Net operating income to assets | 0.8820% | 2,887 |
| Return on assets (ROA) | 0.8867% | 3,022 |
| Pretax return on assets | 0.8867% | 3,961 |
| Return on Equity (ROE) | 8.9013% | 2,658 |
| Retained earnings to average equity (ytd only) | 3.7435% | 3,919 |
| Net charge-offs to loans | -0.0045% | 5,619 |
| Credit loss provision to net charge-offs | -1,550.0000% | 6,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6546% | 2,690 |
| Assets per employee ($millions) | 4.6933% | 2,523 |
| Cash dividends to net income (ytd only)* | 57.9449% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7768% | 2,507 |
| Loan loss allowance to noncurrent loans | 400.7712% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.4602% | 5,124 |
| Noncurrent loans to loans | 0.4433% | 5,153 |
| Net loans and leases to total assets | 40.8073% | 5,987 |
| Net loans and leases to deposits | 45.1748% | 6,157 |
| Net loans and leases to core deposits | 46.2790% | 6,224 |
| Total domestic deposits to total assets | 90.3319% | 840 |
| Equity capital to assets | 9.3878% | 4,738 |
| Core capital (leverage) ratio | 9.1903% | 4,712 |
| Tier 1 risk-based capital ratio | 17.8915% | 2,354 |
| Total risk-based capital ratio | 19.1434% | 2,320 |
| Memoranda: | ||
| Average total assets | $212,934,330 | 2,928 |
| Average earning assets | $202,888,670 | 2,839 |
| Average equity | $21,210,330 | 3,074 |
| Average total loans | $89,542,670 | 3,737 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7685% | 4,928 |
| Cost of funding earning assets | 0.3045% | 5,936 |
| Net interest margin | 3.4639% | 3,842 |
| Noninterest income to average assets | 0.5762% | 3,265 |
| Noninterest expense to average assets | 2.9672% | 3,090 |
| Loan and lease loss provision to assets | 0.0355% | 4,000 |
| Net operating income to assets | 0.8718% | 2,794 |
| Return on assets (ROA) | 0.8475% | 3,054 |
| Pretax return on assets | 0.8475% | 3,961 |
| Return on Equity (ROE) | 8.2732% | 2,835 |
| Retained earnings to average equity (ytd only) | 1.8628% | 5,064 |
| Net charge-offs to loans | 0.0531% | 3,298 |
| Credit loss provision to net charge-offs | 158.3333% | 1,310 |
| Earnings coverage of net charge-offs (x) | 40.4167% | 785 |
| Efficiency ratio | 76.5814% | 2,831 |
| Assets per employee ($millions) | 4.6240% | 2,766 |
| Cash dividends to net income (ytd only)* | 77.4834% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7089% | 2,968 |
| Loan loss allowance to noncurrent loans | 379.4554% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.4743% | 5,195 |
| Noncurrent loans to loans | 0.4504% | 5,297 |
| Net loans and leases to total assets | 42.3745% | 5,817 |
| Net loans and leases to deposits | 47.3793% | 5,970 |
| Net loans and leases to core deposits | 49.1217% | 6,029 |
| Total domestic deposits to total assets | 89.4367% | 1,394 |
| Equity capital to assets | 10.4350% | 3,625 |
| Core capital (leverage) ratio | 8.9800% | 4,922 |
| Tier 1 risk-based capital ratio | 17.9282% | 2,398 |
| Total risk-based capital ratio | 19.1805% | 2,356 |
| Memoranda: | ||
| Average total assets | $213,801,500 | 2,943 |
| Average earning assets | $203,585,000 | 2,858 |
| Average equity | $21,902,000 | 3,038 |
| Average total loans | $90,442,000 | 3,739 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4450% | 3,632 |
| Cost of funding earning assets | 0.4606% | 5,496 |
| Net interest margin | 3.9844% | 2,465 |
| Noninterest income to average assets | 0.5166% | 3,796 |
| Noninterest expense to average assets | 3.0918% | 2,952 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.2089% | 1,577 |
| Return on assets (ROA) | 1.4369% | 1,157 |
| Pretax return on assets | 1.4369% | 1,913 |
| Return on Equity (ROE) | 13.2900% | 1,159 |
| Retained earnings to average equity (ytd only) | 7.1770% | 1,486 |
| Net charge-offs to loans | -0.0320% | 6,620 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8911% | 3,432 |
| Assets per employee ($millions) | 4.6707% | 2,677 |
| Cash dividends to net income (ytd only)* | 45.9972% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6736% | 3,030 |
| Loan loss allowance to noncurrent loans | 351.6129% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.4633% | 5,316 |
| Noncurrent loans to loans | 0.4760% | 5,333 |
| Net loans and leases to total assets | 40.8395% | 6,111 |
| Net loans and leases to deposits | 45.4201% | 6,283 |
| Net loans and leases to core deposits | 47.5265% | 6,297 |
| Total domestic deposits to total assets | 89.9150% | 999 |
| Equity capital to assets | 10.0631% | 4,089 |
| Core capital (leverage) ratio | 9.2908% | 4,432 |
| Tier 1 risk-based capital ratio | 17.8809% | 2,300 |
| Total risk-based capital ratio | 19.1329% | 2,271 |
| Memoranda: | ||
| Average total assets | $198,200,200 | 3,069 |
| Average earning assets | $188,234,400 | 2,983 |
| Average equity | $21,429,600 | 3,048 |
| Average total loans | $90,698,400 | 3,732 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5963% | 3,218 |
| Cost of funding earning assets | 0.5067% | 5,397 |
| Net interest margin | 4.0897% | 2,125 |
| Noninterest income to average assets | 0.5662% | 3,501 |
| Noninterest expense to average assets | 3.2145% | 2,517 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2298% | 1,633 |
| Return on assets (ROA) | 1.5423% | 1,063 |
| Pretax return on assets | 1.5423% | 1,746 |
| Return on Equity (ROE) | 13.9887% | 1,116 |
| Retained earnings to average equity (ytd only) | 6.3078% | 2,480 |
| Net charge-offs to loans | -0.0309% | 6,580 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3285% | 3,260 |
| Assets per employee ($millions) | 4.1421% | 3,590 |
| Cash dividends to net income (ytd only)* | 54.9081% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6244% | 3,432 |
| Loan loss allowance to noncurrent loans | 325.7511% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.5276% | 5,356 |
| Noncurrent loans to loans | 0.4987% | 5,446 |
| Net loans and leases to total assets | 46.2393% | 5,742 |
| Net loans and leases to deposits | 52.3611% | 5,950 |
| Net loans and leases to core deposits | 53.7381% | 6,066 |
| Total domestic deposits to total assets | 88.3086% | 1,842 |
| Equity capital to assets | 11.1039% | 3,145 |
| Core capital (leverage) ratio | 9.3115% | 4,566 |
| Tier 1 risk-based capital ratio | 17.3694% | 2,590 |
| Total risk-based capital ratio | 18.6218% | 2,550 |
| Memoranda: | ||
| Average total assets | $192,869,000 | 3,178 |
| Average earning assets | $182,895,000 | 3,079 |
| Average equity | $21,264,250 | 3,096 |
| Average total loans | $90,578,250 | 3,774 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6241% | 3,257 |
| Cost of funding earning assets | 0.5563% | 5,254 |
| Net interest margin | 4.0678% | 2,219 |
| Noninterest income to average assets | 0.5427% | 3,637 |
| Noninterest expense to average assets | 3.2135% | 2,545 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1829% | 1,774 |
| Return on assets (ROA) | 1.6502% | 838 |
| Pretax return on assets | 1.6502% | 1,399 |
| Return on Equity (ROE) | 15.0048% | 939 |
| Retained earnings to average equity (ytd only) | 4.5157% | 3,599 |
| Net charge-offs to loans | -0.0558% | 6,694 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0934% | 3,227 |
| Assets per employee ($millions) | 4.3615% | 3,145 |
| Cash dividends to net income (ytd only)* | 69.9048% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6316% | 3,492 |
| Loan loss allowance to noncurrent loans | 230.2572% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.6338% | 5,190 |
| Noncurrent loans to loans | 0.7086% | 5,091 |
| Net loans and leases to total assets | 46.7529% | 5,751 |
| Net loans and leases to deposits | 52.4900% | 5,993 |
| Net loans and leases to core deposits | 53.8747% | 6,101 |
| Total domestic deposits to total assets | 89.0700% | 1,464 |
| Equity capital to assets | 10.6956% | 3,465 |
| Core capital (leverage) ratio | 9.0710% | 4,804 |
| Tier 1 risk-based capital ratio | 16.8525% | 2,740 |
| Total risk-based capital ratio | 18.1039% | 2,694 |
| Memoranda: | ||
| Average total assets | $190,884,670 | 3,205 |
| Average earning assets | $180,836,000 | 3,117 |
| Average equity | $20,993,330 | 3,111 |
| Average total loans | $89,620,330 | 3,817 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6272% | 3,369 |
| Cost of funding earning assets | 0.5975% | 5,154 |
| Net interest margin | 4.0297% | 2,372 |
| Noninterest income to average assets | 0.5441% | 3,601 |
| Noninterest expense to average assets | 3.1606% | 2,734 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1966% | 1,748 |
| Return on assets (ROA) | 2.0851% | 418 |
| Pretax return on assets | 2.0851% | 651 |
| Return on Equity (ROE) | 18.6911% | 480 |
| Retained earnings to average equity (ytd only) | 2.4578% | 5,031 |
| Net charge-offs to loans | -0.0456% | 6,500 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5366% | 3,336 |
| Assets per employee ($millions) | 4.3274% | 3,337 |
| Cash dividends to net income (ytd only)* | 86.8502% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7088% | 3,315 |
| Loan loss allowance to noncurrent loans | 389.4057% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.5094% | 5,587 |
| Noncurrent loans to loans | 0.4388% | 5,790 |
| Net loans and leases to total assets | 45.5264% | 5,839 |
| Net loans and leases to deposits | 51.1567% | 6,054 |
| Net loans and leases to core deposits | 52.5532% | 6,163 |
| Total domestic deposits to total assets | 88.9940% | 1,696 |
| Equity capital to assets | 10.9004% | 3,028 |
| Core capital (leverage) ratio | 9.3475% | 4,288 |
| Tier 1 risk-based capital ratio | 17.8481% | 2,345 |
| Total risk-based capital ratio | 19.1015% | 2,321 |
| Memoranda: | ||
| Average total assets | $188,193,000 | 3,257 |
| Average earning assets | $178,079,000 | 3,172 |
| Average equity | $20,994,000 | 3,107 |
| Average total loans | $87,789,000 | 3,890 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9340% | 3,188 |
| Cost of funding earning assets | 0.7565% | 5,163 |
| Net interest margin | 4.1774% | 2,129 |
| Noninterest income to average assets | 0.6475% | 2,903 |
| Noninterest expense to average assets | 3.1503% | 3,027 |
| Loan and lease loss provision to assets | 0.0750% | 5,672 |
| Net operating income to assets | 1.3628% | 1,105 |
| Return on assets (ROA) | 1.4195% | 1,064 |
| Pretax return on assets | 1.4195% | 1,721 |
| Return on Equity (ROE) | 13.4673% | 1,055 |
| Retained earnings to average equity (ytd only) | 8.7480% | 868 |
| Net charge-offs to loans | 0.0259% | 6,075 |
| Credit loss provision to net charge-offs | 586.9565% | 389 |
| Earnings coverage of net charge-offs (x) | 112.4783% | 286 |
| Efficiency ratio | 68.6614% | 4,217 |
| Assets per employee ($millions) | 4.1329% | 3,585 |
| Cash dividends to net income (ytd only)* | 35.0431% | 2,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7131% | 3,152 |
| Loan loss allowance to noncurrent loans | 362.4697% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.5355% | 5,633 |
| Noncurrent loans to loans | 0.4726% | 5,766 |
| Net loans and leases to total assets | 46.1818% | 5,998 |
| Net loans and leases to deposits | 52.8434% | 6,148 |
| Net loans and leases to core deposits | 54.2598% | 6,283 |
| Total domestic deposits to total assets | 87.3938% | 2,532 |
| Equity capital to assets | 11.4168% | 2,580 |
| Core capital (leverage) ratio | 9.4136% | 4,162 |
| Tier 1 risk-based capital ratio | 17.6367% | 2,326 |
| Total risk-based capital ratio | 18.8906% | 2,288 |
| Memoranda: | ||
| Average total assets | $179,921,400 | 3,336 |
| Average earning assets | $169,721,400 | 3,253 |
| Average equity | $18,964,400 | 3,285 |
| Average total loans | $88,685,400 | 3,887 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9931% | 3,113 |
| Cost of funding earning assets | 0.7763% | 5,302 |
| Net interest margin | 4.2168% | 2,037 |
| Noninterest income to average assets | 0.6689% | 2,779 |
| Noninterest expense to average assets | 3.3413% | 2,369 |
| Loan and lease loss provision to assets | 0.1009% | 5,184 |
| Net operating income to assets | 1.2047% | 1,640 |
| Return on assets (ROA) | 1.2809% | 1,532 |
| Pretax return on assets | 1.2809% | 2,358 |
| Return on Equity (ROE) | 12.4219% | 1,433 |
| Retained earnings to average equity (ytd only) | 5.9355% | 2,596 |
| Net charge-offs to loans | 0.0584% | 5,382 |
| Credit loss provision to net charge-offs | 346.1538% | 816 |
| Earnings coverage of net charge-offs (x) | 44.7938% | 706 |
| Efficiency ratio | 71.9041% | 3,569 |
| Assets per employee ($millions) | 4.0399% | 3,759 |
| Cash dividends to net income (ytd only)* | 52.2168% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7045% | 3,251 |
| Loan loss allowance to noncurrent loans | 338.9016% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.5611% | 5,708 |
| Noncurrent loans to loans | 0.5029% | 5,836 |
| Net loans and leases to total assets | 46.9806% | 6,056 |
| Net loans and leases to deposits | 53.0129% | 6,288 |
| Net loans and leases to core deposits | 54.5459% | 6,422 |
| Total domestic deposits to total assets | 88.6212% | 1,678 |
| Equity capital to assets | 10.9833% | 3,164 |
| Core capital (leverage) ratio | 9.0973% | 4,792 |
| Tier 1 risk-based capital ratio | 17.1108% | 2,601 |
| Total risk-based capital ratio | 18.3644% | 2,561 |
| Memoranda: | ||
| Average total assets | $178,406,750 | 3,373 |
| Average earning assets | $168,307,750 | 3,282 |
| Average equity | $18,397,250 | 3,379 |
| Average total loans | $89,010,250 | 3,929 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0232% | 3,050 |
| Cost of funding earning assets | 0.7913% | 5,440 |
| Net interest margin | 4.2319% | 1,909 |
| Noninterest income to average assets | 0.6476% | 2,859 |
| Noninterest expense to average assets | 3.3552% | 2,387 |
| Loan and lease loss provision to assets | 0.1015% | 5,040 |
| Net operating income to assets | 1.1789% | 1,640 |
| Return on assets (ROA) | 1.1902% | 1,695 |
| Pretax return on assets | 1.1902% | 2,519 |
| Return on Equity (ROE) | 11.8049% | 1,552 |
| Retained earnings to average equity (ytd only) | 5.0800% | 2,953 |
| Net charge-offs to loans | 0.0981% | 4,699 |
| Credit loss provision to net charge-offs | 204.5455% | 1,474 |
| Earnings coverage of net charge-offs (x) | 25.7955% | 1,033 |
| Efficiency ratio | 72.3777% | 3,655 |
| Assets per employee ($millions) | 4.0704% | 3,609 |
| Cash dividends to net income (ytd only)* | 56.9668% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6005% | 3,691 |
| Loan loss allowance to noncurrent loans | 278.9474% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.6120% | 5,694 |
| Noncurrent loans to loans | 0.5738% | 5,778 |
| Net loans and leases to total assets | 49.1220% | 5,933 |
| Net loans and leases to deposits | 55.0914% | 6,219 |
| Net loans and leases to core deposits | 56.6918% | 6,367 |
| Total domestic deposits to total assets | 89.1645% | 1,440 |
| Equity capital to assets | 10.5194% | 3,481 |
| Core capital (leverage) ratio | 8.9775% | 4,761 |
| Tier 1 risk-based capital ratio | 16.1224% | 2,917 |
| Total risk-based capital ratio | 17.3744% | 2,888 |
| Memoranda: | ||
| Average total assets | $177,277,670 | 3,410 |
| Average earning assets | $167,065,000 | 3,318 |
| Average equity | $17,874,000 | 3,434 |
| Average total loans | $89,717,330 | 3,945 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0479% | 2,873 |
| Cost of funding earning assets | 0.8032% | 5,561 |
| Net interest margin | 4.2446% | 1,770 |
| Noninterest income to average assets | 0.6849% | 2,657 |
| Noninterest expense to average assets | 3.3475% | 2,410 |
| Loan and lease loss provision to assets | 0.1021% | 4,732 |
| Net operating income to assets | 1.2383% | 1,428 |
| Return on assets (ROA) | 1.2383% | 1,483 |
| Pretax return on assets | 1.2383% | 2,237 |
| Return on Equity (ROE) | 12.5582% | 1,310 |
| Retained earnings to average equity (ytd only) | 5.1751% | 3,074 |
| Net charge-offs to loans | 0.2092% | 3,258 |
| Credit loss provision to net charge-offs | 95.7447% | 2,833 |
| Earnings coverage of net charge-offs (x) | 12.5745% | 1,490 |
| Efficiency ratio | 71.4078% | 3,977 |
| Assets per employee ($millions) | 4.0866% | 3,670 |
| Cash dividends to net income (ytd only)* | 58.7912% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5663% | 3,886 |
| Loan loss allowance to noncurrent loans | 258.5047% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.6218% | 5,720 |
| Noncurrent loans to loans | 0.6059% | 5,821 |
| Net loans and leases to total assets | 48.3377% | 6,041 |
| Net loans and leases to deposits | 53.7521% | 6,310 |
| Net loans and leases to core deposits | 55.3658% | 6,460 |
| Total domestic deposits to total assets | 89.9271% | 1,190 |
| Equity capital to assets | 9.8865% | 3,915 |
| Core capital (leverage) ratio | 8.9402% | 4,709 |
| Tier 1 risk-based capital ratio | 16.1140% | 2,854 |
| Total risk-based capital ratio | 17.3661% | 2,825 |
| Memoranda: | ||
| Average total assets | $176,368,000 | 3,443 |
| Average earning assets | $166,328,000 | 3,356 |
| Average equity | $17,391,000 | 3,509 |
| Average total loans | $89,872,500 | 3,980 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3528% | 2,882 |
| Cost of funding earning assets | 0.9475% | 5,947 |
| Net interest margin | 4.4053% | 1,449 |
| Noninterest income to average assets | 0.6773% | 2,981 |
| Noninterest expense to average assets | 3.3650% | 2,541 |
| Loan and lease loss provision to assets | 0.1459% | 5,727 |
| Net operating income to assets | 1.3095% | 1,147 |
| Return on assets (ROA) | 1.4518% | 921 |
| Pretax return on assets | 1.4524% | 1,506 |
| Return on Equity (ROE) | 13.8962% | 904 |
| Retained earnings to average equity (ytd only) | 8.5774% | 822 |
| Net charge-offs to loans | 0.4445% | 3,837 |
| Credit loss provision to net charge-offs | 60.6061% | 6,070 |
| Earnings coverage of net charge-offs (x) | 6.0480% | 2,455 |
| Efficiency ratio | 69.7982% | 4,218 |
| Assets per employee ($millions) | 3.9301% | 3,940 |
| Cash dividends to net income (ytd only)* | 38.2747% | 2,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5146% | 3,926 |
| Loan loss allowance to noncurrent loans | 218.4543% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.3666% | 6,353 |
| Noncurrent loans to loans | 0.6933% | 5,660 |
| Net loans and leases to total assets | 52.0807% | 5,896 |
| Net loans and leases to deposits | 57.9319% | 6,262 |
| Net loans and leases to core deposits | 59.7594% | 6,410 |
| Total domestic deposits to total assets | 89.8997% | 1,159 |
| Equity capital to assets | 9.8337% | 3,958 |
| Core capital (leverage) ratio | 9.1059% | 4,350 |
| Tier 1 risk-based capital ratio | 15.6776% | 2,906 |
| Total risk-based capital ratio | 16.9294% | 2,866 |
| Memoranda: | ||
| Average total assets | $164,486,800 | 3,625 |
| Average earning assets | $154,722,400 | 3,555 |
| Average equity | $17,184,600 | 3,559 |
| Average total loans | $89,092,800 | 4,074 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4020% | 2,872 |
| Cost of funding earning assets | 0.9743% | 6,064 |
| Net interest margin | 4.4276% | 1,436 |
| Noninterest income to average assets | 0.6881% | 2,890 |
| Noninterest expense to average assets | 3.4741% | 2,101 |
| Loan and lease loss provision to assets | 0.1478% | 5,561 |
| Net operating income to assets | 1.2259% | 1,526 |
| Return on assets (ROA) | 1.4172% | 1,151 |
| Pretax return on assets | 1.4181% | 1,832 |
| Return on Equity (ROE) | 13.3566% | 1,172 |
| Retained earnings to average equity (ytd only) | 7.6688% | 1,533 |
| Net charge-offs to loans | 0.5890% | 2,973 |
| Credit loss provision to net charge-offs | 46.0358% | 5,949 |
| Earnings coverage of net charge-offs (x) | 4.2813% | 3,123 |
| Efficiency ratio | 71.6511% | 3,768 |
| Assets per employee ($millions) | 3.8607% | 4,117 |
| Cash dividends to net income (ytd only)* | 42.5841% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4706% | 4,099 |
| Loan loss allowance to noncurrent loans | 214.8627% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 0.3729% | 6,471 |
| Noncurrent loans to loans | 0.6844% | 5,834 |
| Net loans and leases to total assets | 53.6763% | 5,894 |
| Net loans and leases to deposits | 61.6792% | 6,150 |
| Net loans and leases to core deposits | 63.6345% | 6,326 |
| Total domestic deposits to total assets | 87.0249% | 2,513 |
| Equity capital to assets | 10.9409% | 3,014 |
| Core capital (leverage) ratio | 9.3502% | 4,134 |
| Tier 1 risk-based capital ratio | 15.2242% | 3,139 |
| Total risk-based capital ratio | 16.4754% | 3,113 |
| Memoranda: | ||
| Average total assets | $162,377,000 | 3,708 |
| Average earning assets | $152,582,750 | 3,646 |
| Average equity | $17,229,500 | 3,602 |
| Average total loans | $88,504,500 | 4,157 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4165% | 2,903 |
| Cost of funding earning assets | 0.9916% | 6,183 |
| Net interest margin | 4.4250% | 1,377 |
| Noninterest income to average assets | 0.6776% | 2,834 |
| Noninterest expense to average assets | 3.4983% | 2,034 |
| Loan and lease loss provision to assets | 0.1489% | 5,411 |
| Net operating income to assets | 1.1826% | 1,602 |
| Return on assets (ROA) | 1.4705% | 1,023 |
| Pretax return on assets | 1.4718% | 1,636 |
| Return on Equity (ROE) | 14.0085% | 1,039 |
| Retained earnings to average equity (ytd only) | 6.9392% | 1,860 |
| Net charge-offs to loans | 0.8878% | 2,061 |
| Credit loss provision to net charge-offs | 30.7692% | 5,720 |
| Earnings coverage of net charge-offs (x) | 2.7538% | 3,613 |
| Efficiency ratio | 72.4120% | 3,753 |
| Assets per employee ($millions) | 3.7037% | 4,458 |
| Cash dividends to net income (ytd only)* | 50.4641% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4533% | 4,161 |
| Loan loss allowance to noncurrent loans | 186.6373% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.4276% | 6,380 |
| Noncurrent loans to loans | 0.7787% | 5,715 |
| Net loans and leases to total assets | 54.1153% | 5,976 |
| Net loans and leases to deposits | 61.3339% | 6,286 |
| Net loans and leases to core deposits | 63.3301% | 6,458 |
| Total domestic deposits to total assets | 88.2306% | 1,864 |
| Equity capital to assets | 10.7183% | 3,160 |
| Core capital (leverage) ratio | 9.4283% | 3,921 |
| Tier 1 risk-based capital ratio | 15.0911% | 3,113 |
| Total risk-based capital ratio | 16.3418% | 3,069 |
| Memoranda: | ||
| Average total assets | $161,166,000 | 3,763 |
| Average earning assets | $151,277,670 | 3,691 |
| Average equity | $16,918,330 | 3,646 |
| Average total loans | $87,860,000 | 4,202 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3897% | 3,086 |
| Cost of funding earning assets | 1.0000% | 6,376 |
| Net interest margin | 4.3897% | 1,419 |
| Noninterest income to average assets | 0.6834% | 2,714 |
| Noninterest expense to average assets | 3.4888% | 2,014 |
| Loan and lease loss provision to assets | 0.1480% | 5,066 |
| Net operating income to assets | 1.1596% | 1,650 |
| Return on assets (ROA) | 1.6630% | 714 |
| Pretax return on assets | 1.6654% | 1,132 |
| Return on Equity (ROE) | 16.0071% | 717 |
| Retained earnings to average equity (ytd only) | 8.3361% | 1,580 |
| Net charge-offs to loans | 0.1726% | 3,888 |
| Credit loss provision to net charge-offs | 157.8947% | 2,273 |
| Earnings coverage of net charge-offs (x) | 13.9737% | 1,462 |
| Efficiency ratio | 72.6992% | 3,807 |
| Assets per employee ($millions) | 3.6289% | 4,748 |
| Cash dividends to net income (ytd only)* | 47.9228% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7553% | 2,877 |
| Loan loss allowance to noncurrent loans | 154.1420% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 0.6819% | 5,805 |
| Noncurrent loans to loans | 1.1388% | 5,091 |
| Net loans and leases to total assets | 56.0628% | 5,733 |
| Net loans and leases to deposits | 63.5904% | 6,096 |
| Net loans and leases to core deposits | 65.8586% | 6,291 |
| Total domestic deposits to total assets | 88.1622% | 1,966 |
| Equity capital to assets | 10.8528% | 2,893 |
| Core capital (leverage) ratio | 9.0965% | 4,379 |
| Tier 1 risk-based capital ratio | 14.6003% | 3,317 |
| Total risk-based capital ratio | 15.8540% | 3,279 |
| Memoranda: | ||
| Average total assets | $162,119,000 | 3,798 |
| Average earning assets | $151,993,000 | 3,724 |
| Average equity | $16,842,500 | 3,687 |
| Average total loans | $88,062,500 | 4,253 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6306% | 3,439 |
| Cost of funding earning assets | 1.2274% | 6,561 |
| Net interest margin | 4.4032% | 1,424 |
| Noninterest income to average assets | 0.6146% | 3,519 |
| Noninterest expense to average assets | 3.1024% | 3,731 |
| Loan and lease loss provision to assets | 0.3444% | 4,730 |
| Net operating income to assets | 1.3390% | 960 |
| Return on assets (ROA) | 1.5398% | 660 |
| Pretax return on assets | 1.5398% | 1,098 |
| Return on Equity (ROE) | 17.1841% | 443 |
| Retained earnings to average equity (ytd only) | 11.9533% | 210 |
| Net charge-offs to loans | 0.1669% | 5,616 |
| Credit loss provision to net charge-offs | 430.6569% | 725 |
| Earnings coverage of net charge-offs (x) | 21.0511% | 1,011 |
| Efficiency ratio | 64.8250% | 5,611 |
| Assets per employee ($millions) | 3.9115% | 3,999 |
| Cash dividends to net income (ytd only)* | 30.4397% | 3,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7696% | 2,643 |
| Loan loss allowance to noncurrent loans | 139.9637% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.6546% | 5,827 |
| Noncurrent loans to loans | 1.2644% | 4,824 |
| Net loans and leases to total assets | 50.8570% | 6,543 |
| Net loans and leases to deposits | 61.5637% | 6,509 |
| Net loans and leases to core deposits | 75.3840% | 6,446 |
| Total domestic deposits to total assets | 82.6089% | 4,702 |
| Equity capital to assets | 9.9587% | 3,815 |
| Core capital (leverage) ratio | 8.5518% | 5,191 |
| Tier 1 risk-based capital ratio | 14.0446% | 3,472 |
| Total risk-based capital ratio | 15.2984% | 3,424 |
| Memoranda: | ||
| Average total assets | $171,320,200 | 3,588 |
| Average earning assets | $162,291,000 | 3,476 |
| Average equity | $15,351,400 | 4,003 |
| Average total loans | $82,106,400 | 4,441 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6443% | 3,606 |
| Cost of funding earning assets | 1.2836% | 6,610 |
| Net interest margin | 4.3608% | 1,558 |
| Noninterest income to average assets | 0.6082% | 3,630 |
| Noninterest expense to average assets | 3.0950% | 3,662 |
| Loan and lease loss provision to assets | 0.3525% | 4,207 |
| Net operating income to assets | 1.3007% | 1,210 |
| Return on assets (ROA) | 1.5014% | 869 |
| Pretax return on assets | 1.5014% | 1,414 |
| Return on Equity (ROE) | 17.2243% | 530 |
| Retained earnings to average equity (ytd only) | 10.0875% | 625 |
| Net charge-offs to loans | 0.2177% | 4,673 |
| Credit loss provision to net charge-offs | 344.6970% | 1,187 |
| Earnings coverage of net charge-offs (x) | 16.1663% | 1,486 |
| Efficiency ratio | 65.1819% | 5,518 |
| Assets per employee ($millions) | 3.9476% | 3,834 |
| Cash dividends to net income (ytd only)* | 41.4344% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7140% | 2,575 |
| Loan loss allowance to noncurrent loans | 3,359.5238% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.0247% | 7,530 |
| Noncurrent loans to loans | 0.0510% | 7,379 |
| Net loans and leases to total assets | 47.6647% | 6,984 |
| Net loans and leases to deposits | 57.7377% | 6,979 |
| Net loans and leases to core deposits | 71.4883% | 6,874 |
| Total domestic deposits to total assets | 82.5539% | 4,418 |
| Equity capital to assets | 9.7251% | 4,462 |
| Core capital (leverage) ratio | 7.9078% | 6,491 |
| Tier 1 risk-based capital ratio | 13.9283% | 3,590 |
| Total risk-based capital ratio | 15.1804% | 3,535 |
| Memoranda: | ||
| Average total assets | $172,101,500 | 3,590 |
| Average earning assets | $163,392,500 | 3,487 |
| Average equity | $15,001,750 | 4,095 |
| Average total loans | $80,863,000 | 4,526 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7022% | 3,527 |
| Cost of funding earning assets | 1.3471% | 6,661 |
| Net interest margin | 4.3551% | 1,509 |
| Noninterest income to average assets | 0.5958% | 3,732 |
| Noninterest expense to average assets | 3.1327% | 3,571 |
| Loan and lease loss provision to assets | 0.1388% | 5,684 |
| Net operating income to assets | 1.4680% | 904 |
| Return on assets (ROA) | 1.6450% | 689 |
| Pretax return on assets | 1.6450% | 1,123 |
| Return on Equity (ROE) | 19.6142% | 362 |
| Retained earnings to average equity (ytd only) | 10.7451% | 599 |
| Net charge-offs to loans | 0.0473% | 5,814 |
| Credit loss provision to net charge-offs | 631.5789% | 739 |
| Earnings coverage of net charge-offs (x) | 73.1053% | 516 |
| Efficiency ratio | 66.0971% | 5,533 |
| Assets per employee ($millions) | 4.2544% | 3,194 |
| Cash dividends to net income (ytd only)* | 45.2180% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4686% | 3,356 |
| Loan loss allowance to noncurrent loans | 1,251.5789% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.0545% | 7,462 |
| Noncurrent loans to loans | 0.1173% | 7,224 |
| Net loans and leases to total assets | 45.7336% | 7,215 |
| Net loans and leases to deposits | 55.2471% | 7,203 |
| Net loans and leases to core deposits | 67.8310% | 7,129 |
| Total domestic deposits to total assets | 82.7801% | 4,348 |
| Equity capital to assets | 8.4061% | 6,183 |
| Core capital (leverage) ratio | 7.4721% | 7,056 |
| Tier 1 risk-based capital ratio | 13.6657% | 3,713 |
| Total risk-based capital ratio | 14.9035% | 3,649 |
| Memoranda: | ||
| Average total assets | $172,886,670 | 3,589 |
| Average earning assets | $164,498,670 | 3,482 |
| Average equity | $14,499,670 | 4,199 |
| Average total loans | $80,377,330 | 4,572 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7444% | 3,563 |
| Cost of funding earning assets | 1.4076% | 6,706 |
| Net interest margin | 4.3368% | 1,496 |
| Noninterest income to average assets | 0.5926% | 3,602 |
| Noninterest expense to average assets | 2.9632% | 3,926 |
| Loan and lease loss provision to assets | 0.1394% | 5,168 |
| Net operating income to assets | 1.6431% | 732 |
| Return on assets (ROA) | 1.6826% | 738 |
| Pretax return on assets | 1.6826% | 1,211 |
| Return on Equity (ROE) | 20.0860% | 414 |
| Retained earnings to average equity (ytd only) | 11.1527% | 941 |
| Net charge-offs to loans | 0.0699% | 4,498 |
| Credit loss provision to net charge-offs | 428.5714% | 1,228 |
| Earnings coverage of net charge-offs (x) | 54.7857% | 679 |
| Efficiency ratio | 62.4388% | 5,974 |
| Assets per employee ($millions) | 4.3244% | 3,024 |
| Cash dividends to net income (ytd only)* | 44.4751% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4018% | 3,491 |
| Loan loss allowance to noncurrent loans | 8,100.0000% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 7,622 |
| Noncurrent loans to loans | 0.0173% | 7,514 |
| Net loans and leases to total assets | 44.9859% | 7,264 |
| Net loans and leases to deposits | 51.4332% | 7,435 |
| Net loans and leases to core deposits | 62.6040% | 7,367 |
| Total domestic deposits to total assets | 87.4647% | 1,985 |
| Equity capital to assets | 8.3587% | 6,301 |
| Core capital (leverage) ratio | 7.2313% | 7,452 |
| Tier 1 risk-based capital ratio | 13.6410% | 3,777 |
| Total risk-based capital ratio | 14.8543% | 3,717 |
| Memoranda: | ||
| Average total assets | $172,114,000 | 3,620 |
| Average earning assets | $164,820,500 | 3,495 |
| Average equity | $14,418,000 | 4,243 |
| Average total loans | $80,084,500 | 4,616 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0923% | 5,090 |
| Cost of funding earning assets | 1.9869% | 6,450 |
| Net interest margin | 4.1054% | 2,685 |
| Noninterest income to average assets | 1.0291% | 1,491 |
| Noninterest expense to average assets | 3.0159% | 4,032 |
| Loan and lease loss provision to assets | 0.1146% | 5,907 |
| Net operating income to assets | 1.7795% | 577 |
| Return on assets (ROA) | 1.8643% | 454 |
| Pretax return on assets | 1.9114% | 749 |
| Return on Equity (ROE) | 23.7717% | 181 |
| Retained earnings to average equity (ytd only) | 12.6710% | 187 |
| Net charge-offs to loans | 0.1726% | 4,475 |
| Credit loss provision to net charge-offs | 135.6589% | 3,932 |
| Earnings coverage of net charge-offs (x) | 22.9535% | 1,440 |
| Efficiency ratio | 60.8592% | 6,192 |
| Assets per employee ($millions) | 3.9745% | 3,578 |
| Cash dividends to net income (ytd only)* | 46.6971% | 3,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3724% | 3,351 |
| Loan loss allowance to noncurrent loans | 6,800.0000% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.0455% | 7,403 |
| Noncurrent loans to loans | 0.0202% | 7,438 |
| Net loans and leases to total assets | 46.8388% | 7,264 |
| Net loans and leases to deposits | 51.5637% | 7,558 |
| Net loans and leases to core deposits | 63.1891% | 7,470 |
| Total domestic deposits to total assets | 90.8368% | 372 |
| Equity capital to assets | 8.3964% | 6,262 |
| Core capital (leverage) ratio | 7.6725% | 6,973 |
| Tier 1 risk-based capital ratio | 13.8153% | 3,640 |
| Total risk-based capital ratio | 15.0327% | 3,572 |
| Memoranda: | ||
| Average total assets | $152,659,800 | 3,858 |
| Average earning assets | $146,004,000 | 3,722 |
| Average equity | $11,972,200 | 4,833 |
| Average total loans | $74,721,000 | 4,706 |