Home > The National Capital Bank of Washington > Performance and Condition Ratios
The National Capital Bank of Washington, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9502% | 3,188 |
| Cost of funding earning assets | 1.2941% | 3,605 |
| Net interest margin | 3.6561% | 1,953 |
| Noninterest income to average assets | 0.4600% | 1,914 |
| Noninterest expense to average assets | 2.5372% | 2,184 |
| Loan and lease loss provision to assets | 0.0400% | 2,137 |
| Net operating income to assets | 1.0135% | 2,243 |
| Return on assets (ROA) | 1.0135% | 2,240 |
| Pretax return on assets | 1.3676% | 1,816 |
| Return on Equity (ROE) | 10.1700% | 2,265 |
| Retained earnings to average equity (ytd only) | 7.4176% | 1,860 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 64.3770% | 2,434 |
| Assets per employee ($millions) | 11.3687% | 538 |
| Cash dividends to net income (ytd only)* | 27.0419% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1879% | 2,255 |
| Loan loss allowance to noncurrent loans | 148.5125% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 0.5819% | 1,295 |
| Noncurrent loans to loans | 0.7999% | 1,301 |
| Net loans and leases to total assets | 71.8900% | 1,617 |
| Net loans and leases to deposits | 82.7740% | 1,810 |
| Net loans and leases to core deposits | 92.0990% | 1,904 |
| Total domestic deposits to total assets | 86.8500% | 1,984 |
| Equity capital to assets | 10.0894% | 2,165 |
| Core capital (leverage) ratio | 11.4409% | 1,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0533% | 1,053 |
| Memoranda: | ||
| Average total assets | $715,132,500 | 1,344 |
| Average earning assets | $680,941,000 | 1,316 |
| Average equity | $71,289,500 | 1,338 |
| Average total loans | $520,120,500 | 1,277 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0454% | 3,017 |
| Cost of funding earning assets | 1.6265% | 3,117 |
| Net interest margin | 3.4190% | 2,247 |
| Noninterest income to average assets | 0.4600% | 2,109 |
| Noninterest expense to average assets | 2.3254% | 2,795 |
| Loan and lease loss provision to assets | 0.0800% | 1,685 |
| Net operating income to assets | 0.9792% | 2,123 |
| Return on assets (ROA) | 0.9792% | 2,114 |
| Pretax return on assets | 1.3192% | 1,702 |
| Return on Equity (ROE) | 10.3700% | 2,047 |
| Retained earnings to average equity (ytd only) | 8.2306% | 1,042 |
| Net charge-offs to loans | 0.0033% | 2,861 |
| Credit loss provision to net charge-offs | 4,070.5882% | 130 |
| Earnings coverage of net charge-offs (x) | 583.7647% | 224 |
| Efficiency ratio | 62.5099% | 2,886 |
| Assets per employee ($millions) | 11.3339% | 520 |
| Cash dividends to net income (ytd only)* | 20.6659% | 2,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1798% | 2,270 |
| Loan loss allowance to noncurrent loans | 192.4285% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 0.4458% | 1,583 |
| Noncurrent loans to loans | 0.6131% | 1,576 |
| Net loans and leases to total assets | 71.8500% | 1,686 |
| Net loans and leases to deposits | 81.3454% | 2,005 |
| Net loans and leases to core deposits | 90.7598% | 2,064 |
| Total domestic deposits to total assets | 88.3300% | 1,392 |
| Equity capital to assets | 9.8477% | 2,224 |
| Core capital (leverage) ratio | 10.9794% | 2,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9751% | 1,063 |
| Memoranda: | ||
| Average total assets | $711,591,000 | 1,330 |
| Average earning assets | $677,661,400 | 1,308 |
| Average equity | $67,164,400 | 1,363 |
| Average total loans | $509,961,200 | 1,274 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0087% | 3,018 |
| Cost of funding earning assets | 1.6483% | 3,057 |
| Net interest margin | 3.3604% | 2,315 |
| Noninterest income to average assets | 0.4500% | 2,130 |
| Noninterest expense to average assets | 2.3344% | 2,693 |
| Loan and lease loss provision to assets | 0.0900% | 1,382 |
| Net operating income to assets | 0.9116% | 2,343 |
| Return on assets (ROA) | 0.9116% | 2,347 |
| Pretax return on assets | 1.2293% | 1,923 |
| Return on Equity (ROE) | 9.7600% | 2,264 |
| Retained earnings to average equity (ytd only) | 7.5949% | 1,530 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 63.9244% | 2,721 |
| Assets per employee ($millions) | 11.2140% | 533 |
| Cash dividends to net income (ytd only)* | 22.2177% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1698% | 2,375 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 71.5100% | 1,666 |
| Net loans and leases to deposits | 84.4506% | 1,783 |
| Net loans and leases to core deposits | 94.1761% | 1,867 |
| Total domestic deposits to total assets | 84.6800% | 2,400 |
| Equity capital to assets | 9.7039% | 2,499 |
| Core capital (leverage) ratio | 10.6592% | 2,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5847% | 1,172 |
| Memoranda: | ||
| Average total assets | $710,979,500 | 1,321 |
| Average earning assets | $677,123,250 | 1,300 |
| Average equity | $66,376,500 | 1,365 |
| Average total loans | $507,663,500 | 1,273 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9180% | 3,092 |
| Cost of funding earning assets | 1.6059% | 3,064 |
| Net interest margin | 3.3121% | 2,380 |
| Noninterest income to average assets | 0.4600% | 2,045 |
| Noninterest expense to average assets | 2.3718% | 2,602 |
| Loan and lease loss provision to assets | 0.1000% | 1,186 |
| Net operating income to assets | 0.8449% | 2,475 |
| Return on assets (ROA) | 0.8449% | 2,492 |
| Pretax return on assets | 1.1386% | 2,097 |
| Return on Equity (ROE) | 9.1700% | 2,405 |
| Retained earnings to average equity (ytd only) | 6.9661% | 1,669 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 65.7411% | 2,568 |
| Assets per employee ($millions) | 11.3578% | 488 |
| Cash dividends to net income (ytd only)* | 24.0481% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1668% | 2,412 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 69.6700% | 1,936 |
| Net loans and leases to deposits | 81.7248% | 2,047 |
| Net loans and leases to core deposits | 90.4847% | 2,116 |
| Total domestic deposits to total assets | 85.2500% | 2,242 |
| Equity capital to assets | 9.2618% | 2,562 |
| Core capital (leverage) ratio | 10.6536% | 2,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5494% | 1,159 |
| Memoranda: | ||
| Average total assets | $708,741,667 | 1,327 |
| Average earning assets | $674,622,000 | 1,299 |
| Average equity | $65,287,333 | 1,377 |
| Average total loans | $503,779,667 | 1,279 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8178% | 3,118 |
| Cost of funding earning assets | 1.5640% | 3,050 |
| Net interest margin | 3.2538% | 2,445 |
| Noninterest income to average assets | 0.4400% | 2,063 |
| Noninterest expense to average assets | 2.3937% | 2,531 |
| Loan and lease loss provision to assets | 0.1500% | 697 |
| Net operating income to assets | 0.7406% | 2,714 |
| Return on assets (ROA) | 0.7406% | 2,734 |
| Pretax return on assets | 0.9964% | 2,385 |
| Return on Equity (ROE) | 8.0600% | 2,673 |
| Retained earnings to average equity (ytd only) | 5.8400% | 2,149 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 67.6117% | 2,418 |
| Assets per employee ($millions) | 11.4175% | 498 |
| Cash dividends to net income (ytd only)* | 27.5651% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1293% | 2,663 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 71.1200% | 1,666 |
| Net loans and leases to deposits | 86.1510% | 1,518 |
| Net loans and leases to core deposits | 95.1916% | 1,691 |
| Total domestic deposits to total assets | 82.5500% | 3,084 |
| Equity capital to assets | 9.1977% | 2,543 |
| Core capital (leverage) ratio | 10.7148% | 2,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0512% | 1,258 |
| Memoranda: | ||
| Average total assets | $705,343,000 | 1,338 |
| Average earning assets | $671,089,000 | 1,307 |
| Average equity | $64,795,000 | 1,379 |
| Average total loans | $503,477,000 | 1,279 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4687% | 3,142 |
| Cost of funding earning assets | 1.1121% | 3,033 |
| Net interest margin | 3.3565% | 2,504 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 2.6150% | 1,964 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.8262% | 2,784 |
| Return on assets (ROA) | 0.7335% | 3,080 |
| Pretax return on assets | 0.9735% | 2,741 |
| Return on Equity (ROE) | 8.1500% | 2,979 |
| Retained earnings to average equity (ytd only) | 6.3421% | 2,117 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 69.9749% | 1,881 |
| Assets per employee ($millions) | 11.1556% | 515 |
| Cash dividends to net income (ytd only)* | 22.1411% | 2,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0949% | 2,864 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 70.0500% | 1,805 |
| Net loans and leases to deposits | 84.4298% | 1,743 |
| Net loans and leases to core deposits | 92.3261% | 1,882 |
| Total domestic deposits to total assets | 82.9700% | 2,900 |
| Equity capital to assets | 9.1748% | 2,560 |
| Core capital (leverage) ratio | 10.8953% | 2,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0682% | 1,259 |
| Memoranda: | ||
| Average total assets | $672,432,400 | 1,348 |
| Average earning assets | $638,134,000 | 1,313 |
| Average equity | $60,547,800 | 1,391 |
| Average total loans | $460,936,400 | 1,323 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4027% | 3,099 |
| Cost of funding earning assets | 1.0051% | 3,020 |
| Net interest margin | 3.3976% | 2,462 |
| Noninterest income to average assets | 0.6000% | 1,525 |
| Noninterest expense to average assets | 2.6735% | 1,735 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8676% | 2,807 |
| Return on assets (ROA) | 0.7426% | 3,188 |
| Pretax return on assets | 0.9899% | 2,885 |
| Return on Equity (ROE) | 8.2900% | 3,110 |
| Retained earnings to average equity (ytd only) | 6.4556% | 2,477 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 69.9570% | 1,786 |
| Assets per employee ($millions) | 9.3397% | 824 |
| Cash dividends to net income (ytd only)* | 22.1172% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0821% | 2,953 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 69.3100% | 1,905 |
| Net loans and leases to deposits | 83.8556% | 1,753 |
| Net loans and leases to core deposits | 90.6909% | 1,877 |
| Total domestic deposits to total assets | 82.6600% | 3,077 |
| Equity capital to assets | 8.8925% | 2,482 |
| Core capital (leverage) ratio | 10.9980% | 1,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4152% | 1,221 |
| Memoranda: | ||
| Average total assets | $664,839,750 | 1,358 |
| Average earning assets | $630,630,750 | 1,321 |
| Average equity | $59,564,500 | 1,391 |
| Average total loans | $451,728,500 | 1,339 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3489% | 3,000 |
| Cost of funding earning assets | 0.8973% | 2,935 |
| Net interest margin | 3.4516% | 2,385 |
| Noninterest income to average assets | 0.6800% | 1,182 |
| Noninterest expense to average assets | 2.7376% | 1,557 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9267% | 2,663 |
| Return on assets (ROA) | 0.7376% | 3,259 |
| Pretax return on assets | 0.9827% | 2,963 |
| Return on Equity (ROE) | 8.2100% | 3,183 |
| Retained earnings to average equity (ytd only) | 6.3672% | 2,488 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 69.1365% | 1,853 |
| Assets per employee ($millions) | 9.4755% | 787 |
| Cash dividends to net income (ytd only)* | 22.4599% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1104% | 2,909 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 68.4400% | 1,920 |
| Net loans and leases to deposits | 81.3318% | 1,885 |
| Net loans and leases to core deposits | 85.8928% | 2,082 |
| Total domestic deposits to total assets | 84.1500% | 2,793 |
| Equity capital to assets | 9.1411% | 2,417 |
| Core capital (leverage) ratio | 10.7998% | 2,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7211% | 1,169 |
| Memoranda: | ||
| Average total assets | $659,186,667 | 1,361 |
| Average earning assets | $625,630,333 | 1,336 |
| Average equity | $59,209,667 | 1,403 |
| Average total loans | $443,052,667 | 1,336 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2035% | 3,035 |
| Cost of funding earning assets | 0.6886% | 3,087 |
| Net interest margin | 3.5148% | 2,324 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.8706% | 1,292 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6659% | 3,538 |
| Return on assets (ROA) | 0.6659% | 3,493 |
| Pretax return on assets | 0.8847% | 3,281 |
| Return on Equity (ROE) | 7.4800% | 3,411 |
| Retained earnings to average equity (ytd only) | 5.6006% | 2,867 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 76.4408% | 1,135 |
| Assets per employee ($millions) | 9.3095% | 839 |
| Cash dividends to net income (ytd only)* | 25.1381% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1793% | 2,665 |
| Loan loss allowance to noncurrent loans | 7,953.8462% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.0098% | 3,768 |
| Noncurrent loans to loans | 0.0148% | 3,701 |
| Net loans and leases to total assets | 65.5500% | 2,105 |
| Net loans and leases to deposits | 76.1371% | 2,101 |
| Net loans and leases to core deposits | 78.6144% | 2,347 |
| Total domestic deposits to total assets | 86.0900% | 2,560 |
| Equity capital to assets | 8.8915% | 2,601 |
| Core capital (leverage) ratio | 10.5683% | 2,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6012% | 1,238 |
| Memoranda: | ||
| Average total assets | $652,399,000 | 1,389 |
| Average earning assets | $619,776,500 | 1,364 |
| Average equity | $58,065,500 | 1,433 |
| Average total loans | $431,781,000 | 1,382 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4665% | 3,164 |
| Cost of funding earning assets | 0.2230% | 3,572 |
| Net interest margin | 3.2434% | 2,725 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 2.5433% | 1,982 |
| Loan and lease loss provision to assets | -0.1300% | 4,576 |
| Net operating income to assets | 0.8007% | 3,325 |
| Return on assets (ROA) | 0.7550% | 3,411 |
| Pretax return on assets | 0.9916% | 3,095 |
| Return on Equity (ROE) | 8.7800% | 3,178 |
| Retained earnings to average equity (ytd only) | 6.9055% | 2,280 |
| Net charge-offs to loans | -0.0005% | 3,300 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 73.4778% | 1,269 |
| Assets per employee ($millions) | 8.1496% | 1,251 |
| Cash dividends to net income (ytd only)* | 21.3156% | 2,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1923% | 2,430 |
| Loan loss allowance to noncurrent loans | 2,242.9204% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.0351% | 3,454 |
| Noncurrent loans to loans | 0.0532% | 3,372 |
| Net loans and leases to total assets | 65.2500% | 2,117 |
| Net loans and leases to deposits | 72.9126% | 2,336 |
| Net loans and leases to core deposits | 74.4416% | 2,536 |
| Total domestic deposits to total assets | 89.4900% | 1,562 |
| Equity capital to assets | 8.9093% | 2,415 |
| Core capital (leverage) ratio | 10.2046% | 2,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1576% | 1,101 |
| Memoranda: | ||
| Average total assets | $678,529,000 | 1,332 |
| Average earning assets | $647,400,600 | 1,306 |
| Average equity | $58,373,600 | 1,432 |
| Average total loans | $408,899,400 | 1,368 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2428% | 3,324 |
| Cost of funding earning assets | 0.1514% | 3,833 |
| Net interest margin | 3.0915% | 2,961 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 2.5170% | 1,963 |
| Loan and lease loss provision to assets | -0.1300% | 4,615 |
| Net operating income to assets | 0.7058% | 3,554 |
| Return on assets (ROA) | 0.7058% | 3,505 |
| Pretax return on assets | 0.9307% | 3,235 |
| Return on Equity (ROE) | 8.2700% | 3,250 |
| Retained earnings to average equity (ytd only) | 6.4110% | 2,590 |
| Net charge-offs to loans | -0.0007% | 3,148 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 75.7769% | 1,099 |
| Assets per employee ($millions) | 8.4766% | 1,080 |
| Cash dividends to net income (ytd only)* | 22.5124% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2712% | 2,171 |
| Loan loss allowance to noncurrent loans | 1,623.8532% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.0488% | 3,409 |
| Noncurrent loans to loans | 0.0783% | 3,314 |
| Net loans and leases to total assets | 61.5900% | 2,341 |
| Net loans and leases to deposits | 68.4752% | 2,497 |
| Net loans and leases to core deposits | 69.7291% | 2,660 |
| Total domestic deposits to total assets | 89.9400% | 1,689 |
| Equity capital to assets | 8.2052% | 2,755 |
| Core capital (leverage) ratio | 9.5132% | 3,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1253% | 1,152 |
| Memoranda: | ||
| Average total assets | $687,205,750 | 1,329 |
| Average earning assets | $656,199,000 | 1,303 |
| Average equity | $58,627,000 | 1,445 |
| Average total loans | $404,837,000 | 1,366 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0716% | 3,374 |
| Cost of funding earning assets | 0.1066% | 4,121 |
| Net interest margin | 2.9650% | 2,988 |
| Noninterest income to average assets | 0.3702% | 2,925 |
| Noninterest expense to average assets | 2.4936% | 1,948 |
| Loan and lease loss provision to assets | -0.1316% | 4,632 |
| Net operating income to assets | 0.6412% | 3,503 |
| Return on assets (ROA) | 0.6412% | 3,454 |
| Pretax return on assets | 0.8426% | 3,227 |
| Return on Equity (ROE) | 7.4247% | 3,178 |
| Retained earnings to average equity (ytd only) | 5.6003% | 2,471 |
| Net charge-offs to loans | -0.0010% | 3,039 |
| Credit loss provision to net charge-offs | 22,800.0000% | 23 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8118% | 1,100 |
| Assets per employee ($millions) | 8.2474% | 1,178 |
| Cash dividends to net income (ytd only)* | 24.5725% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3806% | 1,834 |
| Loan loss allowance to noncurrent loans | 2,141.6342% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.0380% | 3,602 |
| Noncurrent loans to loans | 0.0645% | 3,475 |
| Net loans and leases to total assets | 58.1371% | 2,521 |
| Net loans and leases to deposits | 64.7524% | 2,663 |
| Net loans and leases to core deposits | 66.2789% | 2,795 |
| Total domestic deposits to total assets | 89.7838% | 1,806 |
| Equity capital to assets | 8.4377% | 2,810 |
| Core capital (leverage) ratio | 9.7853% | 2,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6479% | 1,044 |
| Memoranda: | ||
| Average total assets | $693,057,667 | 1,328 |
| Average earning assets | $662,526,333 | 1,304 |
| Average equity | $59,854,000 | 1,442 |
| Average total loans | $400,543,000 | 1,376 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9109% | 3,506 |
| Cost of funding earning assets | 0.0816% | 4,339 |
| Net interest margin | 2.8293% | 3,049 |
| Noninterest income to average assets | 0.3775% | 2,826 |
| Noninterest expense to average assets | 2.4555% | 1,998 |
| Loan and lease loss provision to assets | -0.0901% | 4,580 |
| Net operating income to assets | 0.5514% | 3,553 |
| Return on assets (ROA) | 0.5514% | 3,529 |
| Pretax return on assets | 0.7202% | 3,331 |
| Return on Equity (ROE) | 6.3152% | 3,241 |
| Retained earnings to average equity (ytd only) | 4.5323% | 2,766 |
| Net charge-offs to loans | -0.0020% | 3,111 |
| Credit loss provision to net charge-offs | 7,900.0000% | 55 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5786% | 1,180 |
| Assets per employee ($millions) | 9.0318% | 899 |
| Cash dividends to net income (ytd only)* | 28.2316% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4273% | 1,805 |
| Loan loss allowance to noncurrent loans | 2,240.1544% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.0388% | 3,647 |
| Noncurrent loans to loans | 0.0637% | 3,536 |
| Net loans and leases to total assets | 59.9523% | 2,074 |
| Net loans and leases to deposits | 67.1673% | 2,229 |
| Net loans and leases to core deposits | 68.3576% | 2,428 |
| Total domestic deposits to total assets | 89.2583% | 1,948 |
| Equity capital to assets | 8.7742% | 2,909 |
| Core capital (leverage) ratio | 9.5146% | 2,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6947% | 1,105 |
| Memoranda: | ||
| Average total assets | $701,442,000 | 1,320 |
| Average earning assets | $671,407,000 | 1,290 |
| Average equity | $61,249,500 | 1,456 |
| Average total loans | $401,475,000 | 1,366 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3932% | 2,942 |
| Cost of funding earning assets | 0.1053% | 4,347 |
| Net interest margin | 3.2878% | 2,345 |
| Noninterest income to average assets | 0.3904% | 3,098 |
| Noninterest expense to average assets | 2.5230% | 2,116 |
| Loan and lease loss provision to assets | -0.0230% | 4,239 |
| Net operating income to assets | 0.7880% | 3,366 |
| Return on assets (ROA) | 0.7810% | 3,459 |
| Pretax return on assets | 1.0238% | 3,191 |
| Return on Equity (ROE) | 8.6246% | 3,040 |
| Retained earnings to average equity (ytd only) | 7.2250% | 1,835 |
| Net charge-offs to loans | 0.0002% | 2,699 |
| Credit loss provision to net charge-offs | -15,100.0000% | 4,255 |
| Earnings coverage of net charge-offs (x) | 6,620.0000% | 14 |
| Efficiency ratio | 71.4199% | 1,571 |
| Assets per employee ($millions) | 9.5393% | 777 |
| Cash dividends to net income (ytd only)* | 16.2273% | 3,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5028% | 1,543 |
| Loan loss allowance to noncurrent loans | 2,239.8496% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.0362% | 3,767 |
| Noncurrent loans to loans | 0.0671% | 3,606 |
| Net loans and leases to total assets | 53.1627% | 2,947 |
| Net loans and leases to deposits | 59.0197% | 3,168 |
| Net loans and leases to core deposits | 60.3288% | 3,294 |
| Total domestic deposits to total assets | 90.0762% | 924 |
| Equity capital to assets | 8.6935% | 3,891 |
| Core capital (leverage) ratio | 9.6218% | 2,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6810% | 940 |
| Memoranda: | ||
| Average total assets | $655,686,600 | 1,353 |
| Average earning assets | $626,640,800 | 1,330 |
| Average equity | $59,377,000 | 1,521 |
| Average total loans | $444,296,800 | 1,273 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4940% | 2,851 |
| Cost of funding earning assets | 0.1131% | 4,404 |
| Net interest margin | 3.3808% | 2,210 |
| Noninterest income to average assets | 0.3954% | 3,119 |
| Noninterest expense to average assets | 2.5778% | 1,905 |
| Loan and lease loss provision to assets | 0.0414% | 2,170 |
| Net operating income to assets | 0.7540% | 3,645 |
| Return on assets (ROA) | 0.7686% | 3,664 |
| Pretax return on assets | 1.0208% | 3,393 |
| Return on Equity (ROE) | 8.3902% | 3,287 |
| Retained earnings to average equity (ytd only) | 7.0811% | 2,386 |
| Net charge-offs to loans | 0.0076% | 2,036 |
| Credit loss provision to net charge-offs | 757.6923% | 609 |
| Earnings coverage of net charge-offs (x) | 191.4615% | 571 |
| Efficiency ratio | 71.1821% | 1,475 |
| Assets per employee ($millions) | 8.8373% | 944 |
| Cash dividends to net income (ytd only)* | 15.6028% | 2,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4490% | 1,819 |
| Loan loss allowance to noncurrent loans | 493.0141% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.1975% | 2,807 |
| Noncurrent loans to loans | 0.2939% | 2,737 |
| Net loans and leases to total assets | 66.2185% | 1,513 |
| Net loans and leases to deposits | 74.6292% | 1,798 |
| Net loans and leases to core deposits | 76.7732% | 1,977 |
| Total domestic deposits to total assets | 88.7300% | 1,441 |
| Equity capital to assets | 9.8544% | 3,045 |
| Core capital (leverage) ratio | 9.6314% | 2,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5673% | 1,231 |
| Memoranda: | ||
| Average total assets | $635,976,250 | 1,401 |
| Average earning assets | $606,856,000 | 1,377 |
| Average equity | $58,257,250 | 1,573 |
| Average total loans | $456,257,750 | 1,270 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4952% | 2,905 |
| Cost of funding earning assets | 0.1222% | 4,425 |
| Net interest margin | 3.3730% | 2,227 |
| Noninterest income to average assets | 0.3906% | 3,154 |
| Noninterest expense to average assets | 2.6016% | 1,844 |
| Loan and lease loss provision to assets | 0.0623% | 1,798 |
| Net operating income to assets | 0.7124% | 3,730 |
| Return on assets (ROA) | 0.7344% | 3,742 |
| Pretax return on assets | 0.9739% | 3,492 |
| Return on Equity (ROE) | 8.2287% | 3,340 |
| Retained earnings to average equity (ytd only) | 7.1134% | 2,389 |
| Net charge-offs to loans | 0.0241% | 1,464 |
| Credit loss provision to net charge-offs | 351.7857% | 819 |
| Earnings coverage of net charge-offs (x) | 56.9821% | 995 |
| Efficiency ratio | 72.0676% | 1,428 |
| Assets per employee ($millions) | 8.7107% | 946 |
| Cash dividends to net income (ytd only)* | 13.5542% | 2,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3365% | 2,257 |
| Loan loss allowance to noncurrent loans | 484.1983% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.1976% | 2,961 |
| Noncurrent loans to loans | 0.2760% | 2,949 |
| Net loans and leases to total assets | 70.6327% | 1,134 |
| Net loans and leases to deposits | 79.9797% | 1,427 |
| Net loans and leases to core deposits | 82.4084% | 1,691 |
| Total domestic deposits to total assets | 88.3133% | 1,661 |
| Equity capital to assets | 9.6814% | 3,171 |
| Core capital (leverage) ratio | 9.7933% | 2,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3849% | 1,250 |
| Memoranda: | ||
| Average total assets | $632,928,333 | 1,399 |
| Average earning assets | $604,092,667 | 1,370 |
| Average equity | $56,485,333 | 1,610 |
| Average total loans | $463,853,667 | 1,260 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4584% | 3,053 |
| Cost of funding earning assets | 0.1346% | 4,416 |
| Net interest margin | 3.3238% | 2,317 |
| Noninterest income to average assets | 0.3899% | 3,149 |
| Noninterest expense to average assets | 2.7164% | 1,586 |
| Loan and lease loss provision to assets | 0.0931% | 1,438 |
| Net operating income to assets | 0.5688% | 4,021 |
| Return on assets (ROA) | 0.6134% | 3,972 |
| Pretax return on assets | 0.8080% | 3,798 |
| Return on Equity (ROE) | 7.1935% | 3,554 |
| Retained earnings to average equity (ytd only) | 6.0109% | 2,897 |
| Net charge-offs to loans | 0.0831% | 778 |
| Credit loss provision to net charge-offs | 151.0417% | 977 |
| Earnings coverage of net charge-offs (x) | 13.6979% | 1,393 |
| Efficiency ratio | 76.2807% | 1,109 |
| Assets per employee ($millions) | 8.4025% | 1,033 |
| Cash dividends to net income (ytd only)* | 16.4398% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2791% | 2,531 |
| Loan loss allowance to noncurrent loans | 474.2109% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 0.2061% | 3,126 |
| Noncurrent loans to loans | 0.2697% | 3,144 |
| Net loans and leases to total assets | 75.4444% | 681 |
| Net loans and leases to deposits | 86.1684% | 953 |
| Net loans and leases to core deposits | 89.1993% | 1,274 |
| Total domestic deposits to total assets | 87.5546% | 2,065 |
| Equity capital to assets | 8.3718% | 4,217 |
| Core capital (leverage) ratio | 8.6891% | 3,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9848% | 1,903 |
| Memoranda: | ||
| Average total assets | $622,740,500 | 1,407 |
| Average earning assets | $594,145,000 | 1,379 |
| Average equity | $53,103,500 | 1,679 |
| Average total loans | $461,932,000 | 1,260 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6918% | 3,593 |
| Cost of funding earning assets | 0.3025% | 4,130 |
| Net interest margin | 3.3893% | 2,815 |
| Noninterest income to average assets | 0.3659% | 3,279 |
| Noninterest expense to average assets | 2.7597% | 2,040 |
| Loan and lease loss provision to assets | 0.3650% | 917 |
| Net operating income to assets | 0.3767% | 4,291 |
| Return on assets (ROA) | 0.4640% | 4,192 |
| Pretax return on assets | 0.5821% | 4,114 |
| Return on Equity (ROE) | 5.1485% | 3,863 |
| Retained earnings to average equity (ytd only) | 3.9256% | 2,862 |
| Net charge-offs to loans | 0.0167% | 2,762 |
| Credit loss provision to net charge-offs | 2,975.7143% | 335 |
| Earnings coverage of net charge-offs (x) | 68.3143% | 992 |
| Efficiency ratio | 76.7095% | 1,151 |
| Assets per employee ($millions) | 8.0960% | 1,006 |
| Cash dividends to net income (ytd only)* | 23.7538% | 3,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3815% | 2,045 |
| Loan loss allowance to noncurrent loans | 435.8060% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 0.2279% | 3,145 |
| Noncurrent loans to loans | 0.3170% | 3,066 |
| Net loans and leases to total assets | 70.8853% | 1,444 |
| Net loans and leases to deposits | 81.9154% | 1,670 |
| Net loans and leases to core deposits | 85.2337% | 1,931 |
| Total domestic deposits to total assets | 86.5347% | 2,128 |
| Equity capital to assets | 8.6867% | 4,302 |
| Core capital (leverage) ratio | 8.7979% | 3,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1756% | 1,792 |
| Memoranda: | ||
| Average total assets | $570,709,600 | 1,395 |
| Average earning assets | $544,179,200 | 1,366 |
| Average equity | $51,432,200 | 1,651 |
| Average total loans | $420,056,000 | 1,298 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7475% | 3,688 |
| Cost of funding earning assets | 0.3462% | 4,075 |
| Net interest margin | 3.4012% | 2,919 |
| Noninterest income to average assets | 0.3505% | 3,365 |
| Noninterest expense to average assets | 2.8052% | 1,953 |
| Loan and lease loss provision to assets | 0.4203% | 803 |
| Net operating income to assets | 0.2745% | 4,486 |
| Return on assets (ROA) | 0.3920% | 4,342 |
| Pretax return on assets | 0.5156% | 4,252 |
| Return on Equity (ROE) | 4.3066% | 4,093 |
| Retained earnings to average equity (ytd only) | 3.0709% | 3,491 |
| Net charge-offs to loans | 0.0225% | 2,399 |
| Credit loss provision to net charge-offs | 2,520.0000% | 400 |
| Earnings coverage of net charge-offs (x) | 47.2000% | 1,235 |
| Efficiency ratio | 78.0858% | 1,025 |
| Assets per employee ($millions) | 8.4643% | 857 |
| Cash dividends to net income (ytd only)* | 28.6930% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3068% | 2,129 |
| Loan loss allowance to noncurrent loans | 3,940.1361% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.0248% | 4,340 |
| Noncurrent loans to loans | 0.0332% | 4,256 |
| Net loans and leases to total assets | 73.8270% | 1,390 |
| Net loans and leases to deposits | 86.0551% | 1,702 |
| Net loans and leases to core deposits | 89.8368% | 1,991 |
| Total domestic deposits to total assets | 85.7904% | 2,152 |
| Equity capital to assets | 8.8435% | 4,222 |
| Core capital (leverage) ratio | 8.8100% | 3,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8039% | 1,559 |
| Memoranda: | ||
| Average total assets | $559,563,500 | 1,399 |
| Average earning assets | $533,362,000 | 1,369 |
| Average equity | $50,928,000 | 1,658 |
| Average total loans | $414,504,250 | 1,308 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7970% | 3,863 |
| Cost of funding earning assets | 0.4127% | 3,984 |
| Net interest margin | 3.3842% | 3,149 |
| Noninterest income to average assets | 0.3573% | 3,338 |
| Noninterest expense to average assets | 2.8287% | 2,026 |
| Loan and lease loss provision to assets | 0.4783% | 771 |
| Net operating income to assets | 0.2151% | 4,555 |
| Return on assets (ROA) | 0.2166% | 4,592 |
| Pretax return on assets | 0.2745% | 4,563 |
| Return on Equity (ROE) | 2.3554% | 4,462 |
| Retained earnings to average equity (ytd only) | 1.1103% | 4,073 |
| Net charge-offs to loans | 0.0346% | 2,048 |
| Credit loss provision to net charge-offs | 1,874.2857% | 505 |
| Earnings coverage of net charge-offs (x) | 29.4286% | 1,451 |
| Efficiency ratio | 79.0203% | 963 |
| Assets per employee ($millions) | 8.4308% | 832 |
| Cash dividends to net income (ytd only)* | 52.8620% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1995% | 2,523 |
| Loan loss allowance to noncurrent loans | 3,583.2215% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.0252% | 4,429 |
| Noncurrent loans to loans | 0.0335% | 4,346 |
| Net loans and leases to total assets | 74.5141% | 1,339 |
| Net loans and leases to deposits | 85.8295% | 1,787 |
| Net loans and leases to core deposits | 89.5408% | 2,108 |
| Total domestic deposits to total assets | 86.8164% | 1,695 |
| Equity capital to assets | 8.7848% | 4,279 |
| Core capital (leverage) ratio | 8.4361% | 4,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5765% | 1,608 |
| Memoranda: | ||
| Average total assets | $548,584,333 | 1,397 |
| Average earning assets | $522,366,333 | 1,370 |
| Average equity | $50,438,000 | 1,658 |
| Average total loans | $404,933,000 | 1,308 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9350% | 3,969 |
| Cost of funding earning assets | 0.5198% | 3,848 |
| Net interest margin | 3.4152% | 3,252 |
| Noninterest income to average assets | 0.3774% | 3,250 |
| Noninterest expense to average assets | 2.8988% | 2,129 |
| Loan and lease loss provision to assets | 0.4956% | 595 |
| Net operating income to assets | 0.1774% | 4,560 |
| Return on assets (ROA) | 0.1804% | 4,561 |
| Pretax return on assets | 0.2281% | 4,541 |
| Return on Equity (ROE) | 1.9141% | 4,464 |
| Retained earnings to average equity (ytd only) | 0.6515% | 3,829 |
| Net charge-offs to loans | 0.0728% | 1,298 |
| Credit loss provision to net charge-offs | 934.2857% | 611 |
| Earnings coverage of net charge-offs (x) | 13.5714% | 1,644 |
| Efficiency ratio | 80.1047% | 1,127 |
| Assets per employee ($millions) | 7.7143% | 823 |
| Cash dividends to net income (ytd only)* | 65.9664% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2131% | 2,596 |
| Loan loss allowance to noncurrent loans | 3,120.6667% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.0282% | 4,480 |
| Noncurrent loans to loans | 0.0389% | 4,404 |
| Net loans and leases to total assets | 71.6127% | 1,978 |
| Net loans and leases to deposits | 84.2570% | 2,196 |
| Net loans and leases to core deposits | 90.6568% | 2,283 |
| Total domestic deposits to total assets | 84.9932% | 2,412 |
| Equity capital to assets | 9.5056% | 4,214 |
| Core capital (leverage) ratio | 9.2939% | 4,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5519% | 1,745 |
| Memoranda: | ||
| Average total assets | $527,797,500 | 1,402 |
| Average earning assets | $500,935,500 | 1,382 |
| Average equity | $49,735,000 | 1,675 |
| Average total loans | $384,854,500 | 1,342 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1316% | 3,973 |
| Cost of funding earning assets | 0.5770% | 3,734 |
| Net interest margin | 3.5545% | 3,275 |
| Noninterest income to average assets | 0.3868% | 3,374 |
| Noninterest expense to average assets | 2.9961% | 2,030 |
| Loan and lease loss provision to assets | 0.0546% | 2,939 |
| Net operating income to assets | 0.5165% | 4,370 |
| Return on assets (ROA) | 0.5165% | 4,420 |
| Pretax return on assets | 0.6912% | 4,218 |
| Return on Equity (ROE) | 5.4489% | 4,083 |
| Retained earnings to average equity (ytd only) | 4.1101% | 2,916 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0682% | 941 |
| Assets per employee ($millions) | 7.3706% | 908 |
| Cash dividends to net income (ytd only)* | 24.5690% | 3,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0674% | 3,122 |
| Loan loss allowance to noncurrent loans | 1,728.6920% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.0453% | 4,416 |
| Noncurrent loans to loans | 0.0617% | 4,295 |
| Net loans and leases to total assets | 72.5664% | 1,997 |
| Net loans and leases to deposits | 84.8658% | 2,227 |
| Net loans and leases to core deposits | 90.9254% | 2,329 |
| Total domestic deposits to total assets | 85.5073% | 2,288 |
| Equity capital to assets | 9.3392% | 4,470 |
| Core capital (leverage) ratio | 9.4419% | 4,120 |
| Tier 1 risk-based capital ratio | 14.5138% | 3,008 |
| Total risk-based capital ratio | 15.7273% | 2,929 |
| Memoranda: | ||
| Average total assets | $494,074,000 | 1,443 |
| Average earning assets | $466,360,200 | 1,422 |
| Average equity | $46,835,400 | 1,694 |
| Average total loans | $353,153,400 | 1,411 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1553% | 4,026 |
| Cost of funding earning assets | 0.5737% | 3,805 |
| Net interest margin | 3.5816% | 3,298 |
| Noninterest income to average assets | 0.3772% | 3,458 |
| Noninterest expense to average assets | 2.9730% | 2,051 |
| Loan and lease loss provision to assets | 0.0249% | 3,397 |
| Net operating income to assets | 0.5634% | 4,380 |
| Return on assets (ROA) | 0.5634% | 4,427 |
| Pretax return on assets | 0.7565% | 4,224 |
| Return on Equity (ROE) | 5.9202% | 4,069 |
| Retained earnings to average equity (ytd only) | 4.5646% | 3,118 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1858% | 996 |
| Assets per employee ($millions) | 6.9498% | 1,041 |
| Cash dividends to net income (ytd only)* | 22.8973% | 2,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0945% | 3,060 |
| Loan loss allowance to noncurrent loans | 1,500.7663% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.0507% | 4,459 |
| Noncurrent loans to loans | 0.0729% | 4,311 |
| Net loans and leases to total assets | 68.8240% | 2,654 |
| Net loans and leases to deposits | 81.0265% | 2,800 |
| Net loans and leases to core deposits | 86.9789% | 2,819 |
| Total domestic deposits to total assets | 84.9401% | 2,444 |
| Equity capital to assets | 9.4875% | 4,469 |
| Core capital (leverage) ratio | 9.8293% | 3,811 |
| Tier 1 risk-based capital ratio | 14.6702% | 2,999 |
| Total risk-based capital ratio | 15.8523% | 2,954 |
| Memoranda: | ||
| Average total assets | $486,764,750 | 1,467 |
| Average earning assets | $458,999,750 | 1,443 |
| Average equity | $46,326,000 | 1,706 |
| Average total loans | $345,480,500 | 1,446 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2055% | 3,913 |
| Cost of funding earning assets | 0.5428% | 3,919 |
| Net interest margin | 3.6627% | 3,062 |
| Noninterest income to average assets | 0.3681% | 3,479 |
| Noninterest expense to average assets | 3.0365% | 1,898 |
| Loan and lease loss provision to assets | 0.0381% | 3,049 |
| Net operating income to assets | 0.5536% | 4,415 |
| Return on assets (ROA) | 0.5536% | 4,448 |
| Pretax return on assets | 0.7437% | 4,229 |
| Return on Equity (ROE) | 5.8105% | 4,109 |
| Retained earnings to average equity (ytd only) | 4.4348% | 3,048 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5240% | 1,008 |
| Assets per employee ($millions) | 6.8377% | 1,073 |
| Cash dividends to net income (ytd only)* | 23.6762% | 2,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1113% | 3,014 |
| Loan loss allowance to noncurrent loans | 1,384.0989% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.0583% | 4,463 |
| Noncurrent loans to loans | 0.0803% | 4,322 |
| Net loans and leases to total assets | 71.7935% | 2,238 |
| Net loans and leases to deposits | 85.3527% | 2,329 |
| Net loans and leases to core deposits | 91.1433% | 2,492 |
| Total domestic deposits to total assets | 84.1140% | 2,807 |
| Equity capital to assets | 9.7556% | 4,187 |
| Core capital (leverage) ratio | 9.9390% | 3,652 |
| Tier 1 risk-based capital ratio | 14.9446% | 2,872 |
| Total risk-based capital ratio | 16.1642% | 2,799 |
| Memoranda: | ||
| Average total assets | $477,591,000 | 1,492 |
| Average earning assets | $449,892,330 | 1,471 |
| Average equity | $45,503,670 | 1,727 |
| Average total loans | $341,351,000 | 1,472 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1164% | 4,082 |
| Cost of funding earning assets | 0.4891% | 4,113 |
| Net interest margin | 3.6273% | 3,149 |
| Noninterest income to average assets | 0.3555% | 3,477 |
| Noninterest expense to average assets | 2.9271% | 2,192 |
| Loan and lease loss provision to assets | 0.0760% | 2,157 |
| Net operating income to assets | 0.5709% | 4,333 |
| Return on assets (ROA) | 0.5709% | 4,362 |
| Pretax return on assets | 0.7660% | 4,129 |
| Return on Equity (ROE) | 6.0662% | 4,001 |
| Retained earnings to average equity (ytd only) | 4.6663% | 3,052 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6608% | 1,310 |
| Assets per employee ($millions) | 7.1747% | 926 |
| Cash dividends to net income (ytd only)* | 23.0769% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1495% | 2,851 |
| Loan loss allowance to noncurrent loans | 1,310.0334% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.0622% | 4,510 |
| Noncurrent loans to loans | 0.0877% | 4,356 |
| Net loans and leases to total assets | 70.0693% | 2,464 |
| Net loans and leases to deposits | 82.8271% | 2,527 |
| Net loans and leases to core deposits | 87.9938% | 2,685 |
| Total domestic deposits to total assets | 84.5971% | 2,818 |
| Equity capital to assets | 9.4469% | 4,305 |
| Core capital (leverage) ratio | 9.9556% | 3,652 |
| Tier 1 risk-based capital ratio | 15.1473% | 2,819 |
| Total risk-based capital ratio | 16.3970% | 2,730 |
| Memoranda: | ||
| Average total assets | $473,648,000 | 1,514 |
| Average earning assets | $445,731,500 | 1,491 |
| Average equity | $44,575,000 | 1,755 |
| Average total loans | $335,797,500 | 1,495 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9070% | 4,262 |
| Cost of funding earning assets | 0.2950% | 4,592 |
| Net interest margin | 3.6120% | 3,341 |
| Noninterest income to average assets | 0.4416% | 3,158 |
| Noninterest expense to average assets | 2.9871% | 2,079 |
| Loan and lease loss provision to assets | 0.0447% | 3,289 |
| Net operating income to assets | 0.5973% | 4,428 |
| Return on assets (ROA) | 0.5973% | 4,435 |
| Pretax return on assets | 0.7864% | 4,206 |
| Return on Equity (ROE) | 6.1853% | 4,115 |
| Retained earnings to average equity (ytd only) | 4.8464% | 2,863 |
| Net charge-offs to loans | -0.0497% | 4,977 |
| Credit loss provision to net charge-offs | -132.8859% | 4,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2341% | 1,104 |
| Assets per employee ($millions) | 6.7622% | 1,088 |
| Cash dividends to net income (ytd only)* | 21.6471% | 3,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1564% | 2,790 |
| Loan loss allowance to noncurrent loans | 727.3764% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.1127% | 4,265 |
| Noncurrent loans to loans | 0.1590% | 4,025 |
| Net loans and leases to total assets | 70.0882% | 2,550 |
| Net loans and leases to deposits | 82.5518% | 2,670 |
| Net loans and leases to core deposits | 87.3777% | 2,803 |
| Total domestic deposits to total assets | 84.9021% | 2,684 |
| Equity capital to assets | 9.3740% | 4,242 |
| Core capital (leverage) ratio | 10.1938% | 3,363 |
| Tier 1 risk-based capital ratio | 15.4148% | 2,659 |
| Total risk-based capital ratio | 16.6648% | 2,576 |
| Memoranda: | ||
| Average total assets | $443,176,400 | 1,554 |
| Average earning assets | $414,283,800 | 1,543 |
| Average equity | $42,795,000 | 1,744 |
| Average total loans | $299,736,400 | 1,600 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8356% | 4,353 |
| Cost of funding earning assets | 0.2456% | 4,812 |
| Net interest margin | 3.5901% | 3,400 |
| Noninterest income to average assets | 0.4549% | 3,136 |
| Noninterest expense to average assets | 3.0171% | 1,969 |
| Loan and lease loss provision to assets | 0.0168% | 3,678 |
| Net operating income to assets | 0.5585% | 4,624 |
| Return on assets (ROA) | 0.5585% | 4,628 |
| Pretax return on assets | 0.7726% | 4,364 |
| Return on Equity (ROE) | 5.7393% | 4,341 |
| Retained earnings to average equity (ytd only) | 4.3891% | 3,561 |
| Net charge-offs to loans | -0.0671% | 5,040 |
| Credit loss provision to net charge-offs | -37.4150% | 4,143 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2631% | 1,014 |
| Assets per employee ($millions) | 6.7214% | 1,071 |
| Cash dividends to net income (ytd only)* | 23.5261% | 2,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1509% | 2,899 |
| Loan loss allowance to noncurrent loans | 626.1905% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.1306% | 4,308 |
| Noncurrent loans to loans | 0.1838% | 4,061 |
| Net loans and leases to total assets | 70.2249% | 2,608 |
| Net loans and leases to deposits | 82.6311% | 2,753 |
| Net loans and leases to core deposits | 87.2126% | 2,901 |
| Total domestic deposits to total assets | 84.9860% | 2,612 |
| Equity capital to assets | 9.3309% | 4,244 |
| Core capital (leverage) ratio | 10.3203% | 3,270 |
| Tier 1 risk-based capital ratio | 15.6252% | 2,591 |
| Total risk-based capital ratio | 16.8701% | 2,535 |
| Memoranda: | ||
| Average total assets | $437,323,250 | 1,580 |
| Average earning assets | $408,266,000 | 1,571 |
| Average equity | $42,559,250 | 1,761 |
| Average total loans | $291,958,000 | 1,636 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7493% | 4,470 |
| Cost of funding earning assets | 0.1962% | 5,047 |
| Net interest margin | 3.5531% | 3,459 |
| Noninterest income to average assets | 0.4707% | 3,032 |
| Noninterest expense to average assets | 3.0407% | 1,936 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5358% | 4,664 |
| Return on assets (ROA) | 0.5358% | 4,673 |
| Pretax return on assets | 0.7427% | 4,409 |
| Return on Equity (ROE) | 5.4283% | 4,429 |
| Retained earnings to average equity (ytd only) | 4.0806% | 3,568 |
| Net charge-offs to loans | -0.0955% | 5,145 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3687% | 974 |
| Assets per employee ($millions) | 6.3305% | 1,253 |
| Cash dividends to net income (ytd only)* | 24.8276% | 2,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2151% | 2,634 |
| Loan loss allowance to noncurrent loans | 808.7248% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.1023% | 4,485 |
| Noncurrent loans to loans | 0.1502% | 4,229 |
| Net loans and leases to total assets | 67.2816% | 2,978 |
| Net loans and leases to deposits | 76.7086% | 3,273 |
| Net loans and leases to core deposits | 79.6998% | 3,445 |
| Total domestic deposits to total assets | 87.7106% | 1,534 |
| Equity capital to assets | 9.5823% | 4,024 |
| Core capital (leverage) ratio | 10.4522% | 3,079 |
| Tier 1 risk-based capital ratio | 16.6077% | 2,226 |
| Total risk-based capital ratio | 17.8585% | 2,168 |
| Memoranda: | ||
| Average total assets | $432,987,000 | 1,600 |
| Average earning assets | $403,706,670 | 1,596 |
| Average equity | $42,739,000 | 1,750 |
| Average total loans | $282,635,000 | 1,678 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6675% | 4,548 |
| Cost of funding earning assets | 0.1577% | 5,231 |
| Net interest margin | 3.5098% | 3,499 |
| Noninterest income to average assets | 0.4927% | 2,847 |
| Noninterest expense to average assets | 2.9480% | 2,208 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5837% | 4,471 |
| Return on assets (ROA) | 0.5837% | 4,480 |
| Pretax return on assets | 0.8073% | 4,131 |
| Return on Equity (ROE) | 5.8267% | 4,215 |
| Retained earnings to average equity (ytd only) | 4.4928% | 3,402 |
| Net charge-offs to loans | -0.1802% | 5,357 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5026% | 1,306 |
| Assets per employee ($millions) | 6.6524% | 1,120 |
| Cash dividends to net income (ytd only)* | 22.8935% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2901% | 2,291 |
| Loan loss allowance to noncurrent loans | 693.0769% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.1203% | 4,496 |
| Noncurrent loans to loans | 0.1861% | 4,126 |
| Net loans and leases to total assets | 63.7736% | 3,342 |
| Net loans and leases to deposits | 72.5248% | 3,551 |
| Net loans and leases to core deposits | 75.5206% | 3,705 |
| Total domestic deposits to total assets | 87.9335% | 1,654 |
| Equity capital to assets | 9.8827% | 3,715 |
| Core capital (leverage) ratio | 10.7167% | 2,721 |
| Tier 1 risk-based capital ratio | 18.2109% | 1,768 |
| Total risk-based capital ratio | 19.4631% | 1,729 |
| Memoranda: | ||
| Average total assets | $431,077,500 | 1,618 |
| Average earning assets | $400,706,500 | 1,613 |
| Average equity | $43,180,500 | 1,744 |
| Average total loans | $275,200,000 | 1,720 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4323% | 4,898 |
| Cost of funding earning assets | 0.1289% | 5,370 |
| Net interest margin | 3.3034% | 4,153 |
| Noninterest income to average assets | 0.4544% | 3,282 |
| Noninterest expense to average assets | 2.8013% | 2,771 |
| Loan and lease loss provision to assets | -0.3018% | 5,614 |
| Net operating income to assets | 0.4587% | 4,496 |
| Return on assets (ROA) | 0.4706% | 4,488 |
| Pretax return on assets | 1.0828% | 3,254 |
| Return on Equity (ROE) | 4.5555% | 4,330 |
| Retained earnings to average equity (ytd only) | 3.5570% | 3,142 |
| Net charge-offs to loans | -0.0139% | 4,868 |
| Credit loss provision to net charge-offs | 3,830.3030% | 108 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6064% | 1,271 |
| Assets per employee ($millions) | 6.6116% | 1,142 |
| Cash dividends to net income (ytd only)* | 21.9178% | 3,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2840% | 2,299 |
| Loan loss allowance to noncurrent loans | 629.2948% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.1287% | 4,484 |
| Noncurrent loans to loans | 0.2040% | 4,098 |
| Net loans and leases to total assets | 62.2585% | 3,585 |
| Net loans and leases to deposits | 70.2893% | 3,842 |
| Net loans and leases to core deposits | 73.4554% | 3,925 |
| Total domestic deposits to total assets | 88.5746% | 1,208 |
| Equity capital to assets | 10.1519% | 3,535 |
| Core capital (leverage) ratio | 10.7558% | 2,588 |
| Tier 1 risk-based capital ratio | 18.6016% | 1,618 |
| Total risk-based capital ratio | 19.8534% | 1,565 |
| Memoranda: | ||
| Average total assets | $418,808,400 | 1,639 |
| Average earning assets | $394,195,800 | 1,617 |
| Average equity | $43,266,600 | 1,720 |
| Average total loans | $236,691,400 | 1,898 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3786% | 4,990 |
| Cost of funding earning assets | 0.1212% | 5,471 |
| Net interest margin | 3.2574% | 4,303 |
| Noninterest income to average assets | 0.4489% | 3,340 |
| Noninterest expense to average assets | 2.7587% | 2,867 |
| Loan and lease loss provision to assets | -0.4050% | 5,704 |
| Net operating income to assets | 0.7041% | 3,959 |
| Return on assets (ROA) | 0.7200% | 3,933 |
| Pretax return on assets | 1.1940% | 2,936 |
| Return on Equity (ROE) | 6.9388% | 3,694 |
| Retained earnings to average equity (ytd only) | 6.0495% | 2,197 |
| Net charge-offs to loans | -0.0140% | 4,744 |
| Credit loss provision to net charge-offs | 5,266.6667% | 88 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3135% | 1,292 |
| Assets per employee ($millions) | 6.6695% | 1,091 |
| Cash dividends to net income (ytd only)* | 12.8171% | 3,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3658% | 2,049 |
| Loan loss allowance to noncurrent loans | 633.3942% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.1325% | 4,585 |
| Noncurrent loans to loans | 0.2156% | 4,200 |
| Net loans and leases to total assets | 60.6189% | 3,796 |
| Net loans and leases to deposits | 68.9277% | 4,043 |
| Net loans and leases to core deposits | 72.1910% | 4,118 |
| Total domestic deposits to total assets | 87.9457% | 1,393 |
| Equity capital to assets | 10.7734% | 3,094 |
| Core capital (leverage) ratio | 10.9142% | 2,536 |
| Tier 1 risk-based capital ratio | 19.8323% | 1,403 |
| Total risk-based capital ratio | 21.0855% | 1,364 |
| Memoranda: | ||
| Average total assets | $416,072,500 | 1,660 |
| Average earning assets | $392,613,000 | 1,632 |
| Average equity | $43,176,250 | 1,735 |
| Average total loans | $228,105,000 | 1,956 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2777% | 5,137 |
| Cost of funding earning assets | 0.1078% | 5,566 |
| Net interest margin | 3.1699% | 4,497 |
| Noninterest income to average assets | 0.4399% | 3,422 |
| Noninterest expense to average assets | 2.7218% | 3,007 |
| Loan and lease loss provision to assets | -0.6063% | 5,766 |
| Net operating income to assets | 0.7910% | 3,437 |
| Return on assets (ROA) | 0.8361% | 3,271 |
| Pretax return on assets | 1.3854% | 2,076 |
| Return on Equity (ROE) | 8.1604% | 2,937 |
| Retained earnings to average equity (ytd only) | 7.4862% | 1,361 |
| Net charge-offs to loans | -0.0146% | 4,655 |
| Credit loss provision to net charge-offs | 7,900.0000% | 46 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3455% | 1,288 |
| Assets per employee ($millions) | 6.7817% | 1,023 |
| Cash dividends to net income (ytd only)* | 8.2616% | 3,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4836% | 1,633 |
| Loan loss allowance to noncurrent loans | 601.2153% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.1370% | 4,639 |
| Noncurrent loans to loans | 0.2468% | 4,147 |
| Net loans and leases to total assets | 54.6914% | 4,341 |
| Net loans and leases to deposits | 62.6511% | 4,463 |
| Net loans and leases to core deposits | 65.6332% | 4,494 |
| Total domestic deposits to total assets | 87.2952% | 1,806 |
| Equity capital to assets | 10.5336% | 3,296 |
| Core capital (leverage) ratio | 10.8322% | 2,569 |
| Tier 1 risk-based capital ratio | 21.6652% | 1,091 |
| Total risk-based capital ratio | 22.9203% | 1,069 |
| Memoranda: | ||
| Average total assets | $416,926,330 | 1,660 |
| Average earning assets | $393,327,000 | 1,633 |
| Average equity | $42,718,670 | 1,749 |
| Average total loans | $219,427,670 | 2,015 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0638% | 5,399 |
| Cost of funding earning assets | 0.1217% | 5,547 |
| Net interest margin | 2.9421% | 5,006 |
| Noninterest income to average assets | 0.4268% | 3,465 |
| Noninterest expense to average assets | 2.5378% | 3,697 |
| Loan and lease loss provision to assets | -1.2178% | 5,849 |
| Net operating income to assets | 1.1302% | 1,748 |
| Return on assets (ROA) | 1.1302% | 1,785 |
| Pretax return on assets | 1.8778% | 675 |
| Return on Equity (ROE) | 11.1893% | 1,502 |
| Retained earnings to average equity (ytd only) | 11.1893% | 576 |
| Net charge-offs to loans | -0.0151% | 4,595 |
| Credit loss provision to net charge-offs | 15,800.0000% | 16 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3613% | 1,447 |
| Assets per employee ($millions) | 7.4670% | 766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5985% | 1,386 |
| Loan loss allowance to noncurrent loans | 561.7886% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.1471% | 4,674 |
| Noncurrent loans to loans | 0.2845% | 4,099 |
| Net loans and leases to total assets | 50.8628% | 4,599 |
| Net loans and leases to deposits | 57.8979% | 4,707 |
| Net loans and leases to core deposits | 60.8142% | 4,732 |
| Total domestic deposits to total assets | 87.8492% | 1,802 |
| Equity capital to assets | 10.2546% | 3,464 |
| Core capital (leverage) ratio | 11.1716% | 2,217 |
| Tier 1 risk-based capital ratio | 23.4698% | 919 |
| Total risk-based capital ratio | 24.7267% | 909 |
| Memoranda: | ||
| Average total assets | $415,158,000 | 1,677 |
| Average earning assets | $391,015,000 | 1,655 |
| Average equity | $41,933,000 | 1,780 |
| Average total loans | $212,431,500 | 2,079 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0571% | 5,448 |
| Cost of funding earning assets | 0.1156% | 5,631 |
| Net interest margin | 2.9415% | 5,062 |
| Noninterest income to average assets | 0.4300% | 3,679 |
| Noninterest expense to average assets | 2.3305% | 4,487 |
| Loan and lease loss provision to assets | -0.8942% | 5,901 |
| Net operating income to assets | 1.1200% | 1,818 |
| Return on assets (ROA) | 1.2070% | 1,568 |
| Pretax return on assets | 1.9073% | 614 |
| Return on Equity (ROE) | 11.9927% | 1,251 |
| Retained earnings to average equity (ytd only) | 11.2940% | 274 |
| Net charge-offs to loans | -1.6586% | 5,865 |
| Credit loss provision to net charge-offs | 104.0637% | 2,490 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6553% | 2,484 |
| Assets per employee ($millions) | 7.6335% | 696 |
| Cash dividends to net income (ytd only)* | 5.8264% | 4,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2571% | 433 |
| Loan loss allowance to noncurrent loans | 115.6641% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 0.9881% | 1,918 |
| Noncurrent loans to loans | 1.9514% | 938 |
| Net loans and leases to total assets | 49.4924% | 4,800 |
| Net loans and leases to deposits | 56.3305% | 4,896 |
| Net loans and leases to core deposits | 59.2081% | 4,896 |
| Total domestic deposits to total assets | 87.8608% | 1,704 |
| Equity capital to assets | 10.0056% | 3,721 |
| Core capital (leverage) ratio | 10.4291% | 2,949 |
| Tier 1 risk-based capital ratio | 23.8857% | 877 |
| Total risk-based capital ratio | 25.1517% | 857 |
| Memoranda: | ||
| Average total assets | $409,523,600 | 1,645 |
| Average earning assets | $386,711,000 | 1,617 |
| Average equity | $41,216,600 | 1,793 |
| Average total loans | $212,169,000 | 2,031 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9794% | 5,588 |
| Cost of funding earning assets | 0.1159% | 5,694 |
| Net interest margin | 2.8635% | 5,242 |
| Noninterest income to average assets | 0.4292% | 3,702 |
| Noninterest expense to average assets | 2.2078% | 4,751 |
| Loan and lease loss provision to assets | -0.9033% | 5,967 |
| Net operating income to assets | 1.1060% | 1,974 |
| Return on assets (ROA) | 1.2223% | 1,650 |
| Pretax return on assets | 2.0144% | 551 |
| Return on Equity (ROE) | 12.1263% | 1,281 |
| Retained earnings to average equity (ytd only) | 12.1263% | 287 |
| Net charge-offs to loans | -1.7036% | 5,932 |
| Credit loss provision to net charge-offs | 101.7634% | 2,315 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3742% | 2,836 |
| Assets per employee ($millions) | 7.6690% | 676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2780% | 452 |
| Loan loss allowance to noncurrent loans | 113.6439% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 1.0405% | 1,978 |
| Noncurrent loans to loans | 2.0045% | 979 |
| Net loans and leases to total assets | 50.7241% | 4,768 |
| Net loans and leases to deposits | 59.7848% | 4,774 |
| Net loans and leases to core deposits | 62.0784% | 4,826 |
| Total domestic deposits to total assets | 84.8444% | 2,874 |
| Equity capital to assets | 10.6575% | 3,398 |
| Core capital (leverage) ratio | 10.7087% | 2,779 |
| Tier 1 risk-based capital ratio | 24.7942% | 834 |
| Total risk-based capital ratio | 26.0634% | 817 |
| Memoranda: | ||
| Average total assets | $408,852,250 | 1,657 |
| Average earning assets | $386,643,500 | 1,618 |
| Average equity | $41,209,750 | 1,809 |
| Average total loans | $213,030,500 | 2,028 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9957% | 5,657 |
| Cost of funding earning assets | 0.1195% | 5,758 |
| Net interest margin | 2.8762% | 5,304 |
| Noninterest income to average assets | 0.4243% | 3,702 |
| Noninterest expense to average assets | 2.1487% | 4,956 |
| Loan and lease loss provision to assets | -1.3524% | 6,048 |
| Net operating income to assets | 1.4237% | 1,018 |
| Return on assets (ROA) | 1.5272% | 897 |
| Pretax return on assets | 2.5051% | 218 |
| Return on Equity (ROE) | 15.4442% | 618 |
| Retained earnings to average equity (ytd only) | 15.4442% | 131 |
| Net charge-offs to loans | -2.3059% | 6,010 |
| Credit loss provision to net charge-offs | 112.4188% | 1,941 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4341% | 3,255 |
| Assets per employee ($millions) | 8.5249% | 475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1296% | 596 |
| Loan loss allowance to noncurrent loans | 103.7172% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 1.0716% | 1,985 |
| Noncurrent loans to loans | 2.0533% | 955 |
| Net loans and leases to total assets | 51.0788% | 4,759 |
| Net loans and leases to deposits | 59.0568% | 4,849 |
| Net loans and leases to core deposits | 62.8123% | 4,829 |
| Total domestic deposits to total assets | 86.4910% | 2,176 |
| Equity capital to assets | 10.4142% | 3,728 |
| Core capital (leverage) ratio | 10.3400% | 3,147 |
| Tier 1 risk-based capital ratio | 23.4529% | 966 |
| Total risk-based capital ratio | 24.7188% | 941 |
| Memoranda: | ||
| Average total assets | $409,651,000 | 1,651 |
| Average earning assets | $386,757,000 | 1,616 |
| Average equity | $40,507,000 | 1,834 |
| Average total loans | $213,715,000 | 2,022 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9041% | 5,782 |
| Cost of funding earning assets | 0.1198% | 5,813 |
| Net interest margin | 2.7843% | 5,494 |
| Noninterest income to average assets | 0.4294% | 3,623 |
| Noninterest expense to average assets | 2.1362% | 5,037 |
| Loan and lease loss provision to assets | -1.8493% | 6,114 |
| Net operating income to assets | 1.6940% | 585 |
| Return on assets (ROA) | 1.7752% | 520 |
| Pretax return on assets | 2.9013% | 144 |
| Return on Equity (ROE) | 18.4420% | 324 |
| Retained earnings to average equity (ytd only) | 18.4420% | 121 |
| Net charge-offs to loans | -3.2892% | 6,073 |
| Credit loss provision to net charge-offs | 107.7929% | 1,533 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7800% | 3,171 |
| Assets per employee ($millions) | 9.0632% | 379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2294% | 568 |
| Loan loss allowance to noncurrent loans | 110.4425% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 1.0472% | 2,116 |
| Noncurrent loans to loans | 2.0186% | 1,056 |
| Net loans and leases to total assets | 50.7212% | 4,744 |
| Net loans and leases to deposits | 57.8875% | 4,861 |
| Net loans and leases to core deposits | 62.4337% | 4,791 |
| Total domestic deposits to total assets | 87.6203% | 1,850 |
| Equity capital to assets | 10.0511% | 4,011 |
| Core capital (leverage) ratio | 9.8465% | 3,726 |
| Tier 1 risk-based capital ratio | 22.5601% | 1,083 |
| Total risk-based capital ratio | 23.8274% | 1,051 |
| Memoranda: | ||
| Average total assets | $409,880,000 | 1,647 |
| Average earning assets | $387,456,000 | 1,617 |
| Average equity | $39,453,500 | 1,872 |
| Average total loans | $213,793,000 | 2,023 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9343% | 5,793 |
| Cost of funding earning assets | 0.1293% | 5,816 |
| Net interest margin | 2.8050% | 5,502 |
| Noninterest income to average assets | 0.4173% | 3,910 |
| Noninterest expense to average assets | 2.2854% | 4,831 |
| Loan and lease loss provision to assets | -1.7198% | 6,182 |
| Net operating income to assets | 1.5406% | 797 |
| Return on assets (ROA) | 1.5563% | 797 |
| Pretax return on assets | 2.5210% | 196 |
| Return on Equity (ROE) | 19.2321% | 288 |
| Retained earnings to average equity (ytd only) | 17.9708% | 77 |
| Net charge-offs to loans | -1.7924% | 6,140 |
| Credit loss provision to net charge-offs | 177.6666% | 1,527 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6373% | 2,483 |
| Assets per employee ($millions) | 8.5816% | 454 |
| Cash dividends to net income (ytd only)* | 6.5584% | 4,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2472% | 553 |
| Loan loss allowance to noncurrent loans | 106.2609% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 1.1090% | 1,977 |
| Noncurrent loans to loans | 2.1148% | 969 |
| Net loans and leases to total assets | 51.2608% | 4,754 |
| Net loans and leases to deposits | 57.9592% | 4,912 |
| Net loans and leases to core deposits | 63.0247% | 4,798 |
| Total domestic deposits to total assets | 88.4430% | 1,408 |
| Equity capital to assets | 9.2043% | 4,904 |
| Core capital (leverage) ratio | 9.2747% | 4,507 |
| Tier 1 risk-based capital ratio | 20.1279% | 1,459 |
| Total risk-based capital ratio | 21.3939% | 1,429 |
| Memoranda: | ||
| Average total assets | $423,243,400 | 1,571 |
| Average earning assets | $399,077,000 | 1,534 |
| Average equity | $34,250,000 | 2,076 |
| Average total loans | $228,573,600 | 1,871 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0109% | 5,805 |
| Cost of funding earning assets | 0.1323% | 5,900 |
| Net interest margin | 2.8787% | 5,450 |
| Noninterest income to average assets | 0.4131% | 3,988 |
| Noninterest expense to average assets | 2.2085% | 5,032 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5727% | 4,514 |
| Return on assets (ROA) | 0.5936% | 4,515 |
| Pretax return on assets | 0.9452% | 3,834 |
| Return on Equity (ROE) | 7.7253% | 3,222 |
| Retained earnings to average equity (ytd only) | 5.9632% | 2,273 |
| Net charge-offs to loans | -0.4626% | 6,144 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7601% | 3,084 |
| Assets per employee ($millions) | 8.4001% | 458 |
| Cash dividends to net income (ytd only)* | 22.8090% | 3,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0116% | 94 |
| Loan loss allowance to noncurrent loans | 186.9317% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 1.1489% | 2,070 |
| Noncurrent loans to loans | 2.1460% | 1,041 |
| Net loans and leases to total assets | 51.3892% | 4,810 |
| Net loans and leases to deposits | 57.6157% | 5,021 |
| Net loans and leases to core deposits | 62.5613% | 4,897 |
| Total domestic deposits to total assets | 89.1931% | 918 |
| Equity capital to assets | 8.2122% | 5,866 |
| Core capital (leverage) ratio | 7.9878% | 5,910 |
| Tier 1 risk-based capital ratio | 17.5149% | 2,181 |
| Total risk-based capital ratio | 18.8078% | 2,128 |
| Memoranda: | ||
| Average total assets | $425,429,750 | 1,574 |
| Average earning assets | $400,219,750 | 1,541 |
| Average equity | $32,688,250 | 2,177 |
| Average total loans | $231,715,750 | 1,865 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0299% | 5,830 |
| Cost of funding earning assets | 0.1340% | 5,954 |
| Net interest margin | 2.8959% | 5,451 |
| Noninterest income to average assets | 0.4095% | 4,012 |
| Noninterest expense to average assets | 2.1701% | 5,179 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5559% | 4,536 |
| Return on assets (ROA) | 0.5873% | 4,502 |
| Pretax return on assets | 1.0412% | 3,413 |
| Return on Equity (ROE) | 9.6129% | 2,251 |
| Retained earnings to average equity (ytd only) | 6.2773% | 2,073 |
| Net charge-offs to loans | 6.7087% | 4 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 0.2619% | 3,681 |
| Efficiency ratio | 68.6260% | 3,568 |
| Assets per employee ($millions) | 8.2429% | 475 |
| Cash dividends to net income (ytd only)* | 34.6988% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7669% | 131 |
| Loan loss allowance to noncurrent loans | 158.3748% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 1.2909% | 1,951 |
| Noncurrent loans to loans | 2.3785% | 964 |
| Net loans and leases to total assets | 52.2313% | 4,733 |
| Net loans and leases to deposits | 57.6246% | 5,021 |
| Net loans and leases to core deposits | 62.3352% | 4,922 |
| Total domestic deposits to total assets | 90.6406% | 401 |
| Equity capital to assets | 6.1942% | 6,261 |
| Core capital (leverage) ratio | 6.3055% | 6,258 |
| Tier 1 risk-based capital ratio | 13.5915% | 4,164 |
| Total risk-based capital ratio | 14.8790% | 4,070 |
| Memoranda: | ||
| Average total assets | $423,945,000 | 1,588 |
| Average earning assets | $402,978,670 | 1,542 |
| Average equity | $25,902,670 | 2,659 |
| Average total loans | $239,361,670 | 1,816 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8040% | 6,068 |
| Cost of funding earning assets | 0.1293% | 6,068 |
| Net interest margin | 2.6747% | 5,837 |
| Noninterest income to average assets | 0.3835% | 4,132 |
| Noninterest expense to average assets | 2.1375% | 5,306 |
| Loan and lease loss provision to assets | -0.2272% | 6,280 |
| Net operating income to assets | 0.6289% | 4,151 |
| Return on assets (ROA) | 0.6289% | 4,261 |
| Pretax return on assets | 1.0297% | 3,380 |
| Return on Equity (ROE) | 6.8770% | 3,569 |
| Retained earnings to average equity (ytd only) | 2.5839% | 4,390 |
| Net charge-offs to loans | -0.6523% | 6,275 |
| Credit loss provision to net charge-offs | 62.5000% | 1,974 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7048% | 3,051 |
| Assets per employee ($millions) | 9.2724% | 327 |
| Cash dividends to net income (ytd only)* | 62.4277% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9005% | 5,442 |
| Loan loss allowance to noncurrent loans | 20.5300% | 5,709 |
| Noncurrent assets plus other real estate owned to assets | 2.4077% | 905 |
| Noncurrent loans to loans | 4.3865% | 363 |
| Net loans and leases to total assets | 54.3947% | 4,390 |
| Net loans and leases to deposits | 61.9529% | 4,576 |
| Net loans and leases to core deposits | 66.3540% | 4,488 |
| Total domestic deposits to total assets | 87.8000% | 1,934 |
| Equity capital to assets | 9.2322% | 5,048 |
| Core capital (leverage) ratio | 9.3468% | 4,499 |
| Tier 1 risk-based capital ratio | 18.4390% | 2,021 |
| Total risk-based capital ratio | 19.4380% | 2,038 |
| Memoranda: | ||
| Average total assets | $440,138,000 | 1,549 |
| Average earning assets | $420,685,000 | 1,500 |
| Average equity | $40,250,000 | 1,820 |
| Average total loans | $245,281,000 | 1,774 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0570% | 6,005 |
| Cost of funding earning assets | 0.1503% | 6,102 |
| Net interest margin | 2.9067% | 5,634 |
| Noninterest income to average assets | 0.4016% | 4,168 |
| Noninterest expense to average assets | 2.1154% | 5,537 |
| Loan and lease loss provision to assets | 0.9139% | 129 |
| Net operating income to assets | 0.1189% | 5,923 |
| Return on assets (ROA) | 0.1664% | 5,889 |
| Pretax return on assets | 0.2051% | 5,864 |
| Return on Equity (ROE) | 1.8542% | 5,806 |
| Retained earnings to average equity (ytd only) | -2.6193% | 6,061 |
| Net charge-offs to loans | 1.5120% | 161 |
| Credit loss provision to net charge-offs | 105.0013% | 2,286 |
| Earnings coverage of net charge-offs (x) | 1.2182% | 4,465 |
| Efficiency ratio | 66.6105% | 4,129 |
| Assets per employee ($millions) | 9.0667% | 331 |
| Cash dividends to net income (ytd only)* | 241.2587% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8324% | 5,680 |
| Loan loss allowance to noncurrent loans | 174.3197% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 0.2702% | 4,952 |
| Noncurrent loans to loans | 0.4775% | 4,226 |
| Net loans and leases to total assets | 56.1154% | 4,322 |
| Net loans and leases to deposits | 63.9354% | 4,533 |
| Net loans and leases to core deposits | 68.6617% | 4,432 |
| Total domestic deposits to total assets | 87.7689% | 1,886 |
| Equity capital to assets | 9.0555% | 5,229 |
| Core capital (leverage) ratio | 9.4402% | 4,322 |
| Tier 1 risk-based capital ratio | 17.2987% | 2,384 |
| Total risk-based capital ratio | 18.1631% | 2,496 |
| Memoranda: | ||
| Average total assets | $429,564,400 | 1,548 |
| Average earning assets | $409,982,000 | 1,495 |
| Average equity | $38,560,400 | 1,831 |
| Average total loans | $247,285,800 | 1,705 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0910% | 6,043 |
| Cost of funding earning assets | 0.1556% | 6,151 |
| Net interest margin | 2.9354% | 5,623 |
| Noninterest income to average assets | 0.3992% | 4,248 |
| Noninterest expense to average assets | 2.1568% | 5,443 |
| Loan and lease loss provision to assets | 1.2039% | 77 |
| Net operating income to assets | -0.0461% | 6,180 |
| Return on assets (ROA) | -0.0461% | 6,185 |
| Pretax return on assets | -0.1594% | 6,237 |
| Return on Equity (ROE) | -0.5146% | 6,192 |
| Retained earnings to average equity (ytd only) | -5.0136% | 6,254 |
| Net charge-offs to loans | 2.0139% | 100 |
| Credit loss provision to net charge-offs | 103.3966% | 2,135 |
| Earnings coverage of net charge-offs (x) | 0.8970% | 4,282 |
| Efficiency ratio | 67.3735% | 3,971 |
| Assets per employee ($millions) | 9.7327% | 264 |
| Cash dividends to net income (ytd only)* | -874.3171% | 6,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8112% | 5,845 |
| Loan loss allowance to noncurrent loans | 168.9304% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 0.2751% | 5,162 |
| Noncurrent loans to loans | 0.4802% | 4,468 |
| Net loans and leases to total assets | 56.8179% | 4,224 |
| Net loans and leases to deposits | 66.2049% | 4,304 |
| Net loans and leases to core deposits | 71.1443% | 4,233 |
| Total domestic deposits to total assets | 85.8213% | 2,944 |
| Equity capital to assets | 8.9800% | 5,374 |
| Core capital (leverage) ratio | 9.2787% | 4,666 |
| Tier 1 risk-based capital ratio | 17.1668% | 2,540 |
| Total risk-based capital ratio | 18.0085% | 2,651 |
| Memoranda: | ||
| Average total assets | $428,154,750 | 1,562 |
| Average earning assets | $408,708,250 | 1,507 |
| Average equity | $38,348,000 | 1,849 |
| Average total loans | $247,540,750 | 1,714 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0680% | 6,109 |
| Cost of funding earning assets | 0.1618% | 6,180 |
| Net interest margin | 2.9062% | 5,725 |
| Noninterest income to average assets | 0.3943% | 4,281 |
| Noninterest expense to average assets | 2.2204% | 5,360 |
| Loan and lease loss provision to assets | 1.7780% | 43 |
| Net operating income to assets | -0.4765% | 6,430 |
| Return on assets (ROA) | -0.4765% | 6,428 |
| Pretax return on assets | -0.8269% | 6,493 |
| Return on Equity (ROE) | -5.3247% | 6,437 |
| Retained earnings to average equity (ytd only) | -9.8298% | 6,416 |
| Net charge-offs to loans | 3.0014% | 52 |
| Credit loss provision to net charge-offs | 102.1471% | 1,943 |
| Earnings coverage of net charge-offs (x) | 0.5464% | 4,022 |
| Efficiency ratio | 70.0103% | 3,662 |
| Assets per employee ($millions) | 9.7583% | 249 |
| Cash dividends to net income (ytd only)* | -84.6078% | 6,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7855% | 6,011 |
| Loan loss allowance to noncurrent loans | 131.1066% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 0.3452% | 5,002 |
| Noncurrent loans to loans | 0.5992% | 4,231 |
| Net loans and leases to total assets | 57.1547% | 4,095 |
| Net loans and leases to deposits | 64.7681% | 4,410 |
| Net loans and leases to core deposits | 69.3987% | 4,327 |
| Total domestic deposits to total assets | 88.2452% | 1,760 |
| Equity capital to assets | 8.8603% | 5,457 |
| Core capital (leverage) ratio | 9.3561% | 4,522 |
| Tier 1 risk-based capital ratio | 17.0810% | 2,586 |
| Total risk-based capital ratio | 17.9083% | 2,726 |
| Memoranda: | ||
| Average total assets | $428,126,330 | 1,565 |
| Average earning assets | $409,129,000 | 1,503 |
| Average equity | $38,312,000 | 1,843 |
| Average total loans | $248,285,330 | 1,704 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9232% | 6,306 |
| Cost of funding earning assets | 0.1653% | 6,262 |
| Net interest margin | 2.7578% | 6,019 |
| Noninterest income to average assets | 0.3836% | 4,323 |
| Noninterest expense to average assets | 1.8648% | 6,124 |
| Loan and lease loss provision to assets | 0.4398% | 363 |
| Net operating income to assets | 0.4248% | 5,023 |
| Return on assets (ROA) | 0.4248% | 5,089 |
| Pretax return on assets | 0.7167% | 4,433 |
| Return on Equity (ROE) | 4.7234% | 4,680 |
| Retained earnings to average equity (ytd only) | 0.2393% | 5,475 |
| Net charge-offs to loans | 0.7204% | 487 |
| Credit loss provision to net charge-offs | 104.9107% | 1,594 |
| Earnings coverage of net charge-offs (x) | 2.7589% | 2,807 |
| Efficiency ratio | 61.7219% | 5,170 |
| Assets per employee ($millions) | 8.9689% | 339 |
| Cash dividends to net income (ytd only)* | 94.9339% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7534% | 6,189 |
| Loan loss allowance to noncurrent loans | 39.5593% | 5,584 |
| Noncurrent assets plus other real estate owned to assets | 1.1068% | 3,044 |
| Noncurrent loans to loans | 1.9046% | 1,987 |
| Net loans and leases to total assets | 57.6762% | 3,902 |
| Net loans and leases to deposits | 66.0309% | 4,091 |
| Net loans and leases to core deposits | 71.1812% | 3,958 |
| Total domestic deposits to total assets | 87.3472% | 2,599 |
| Equity capital to assets | 9.0226% | 5,097 |
| Core capital (leverage) ratio | 9.6876% | 4,009 |
| Tier 1 risk-based capital ratio | 18.5167% | 2,118 |
| Total risk-based capital ratio | 19.3465% | 2,228 |
| Memoranda: | ||
| Average total assets | $427,506,500 | 1,572 |
| Average earning assets | $408,871,000 | 1,509 |
| Average equity | $38,446,500 | 1,835 |
| Average total loans | $248,755,000 | 1,703 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0524% | 6,289 |
| Cost of funding earning assets | 0.1893% | 6,344 |
| Net interest margin | 2.8631% | 5,878 |
| Noninterest income to average assets | 0.3178% | 5,063 |
| Noninterest expense to average assets | 1.8335% | 6,271 |
| Loan and lease loss provision to assets | 0.2232% | 1,632 |
| Net operating income to assets | 0.6343% | 4,100 |
| Return on assets (ROA) | 0.6639% | 4,062 |
| Pretax return on assets | 1.0888% | 2,988 |
| Return on Equity (ROE) | 6.9858% | 3,562 |
| Retained earnings to average equity (ytd only) | 2.6595% | 4,354 |
| Net charge-offs to loans | 0.4208% | 1,586 |
| Credit loss provision to net charge-offs | 89.8370% | 2,760 |
| Earnings coverage of net charge-offs (x) | 5.0949% | 3,384 |
| Efficiency ratio | 59.1576% | 5,582 |
| Assets per employee ($millions) | 9.0320% | 324 |
| Cash dividends to net income (ytd only)* | 61.9304% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7533% | 6,262 |
| Loan loss allowance to noncurrent loans | 35.4722% | 5,769 |
| Noncurrent assets plus other real estate owned to assets | 1.2372% | 2,942 |
| Noncurrent loans to loans | 2.1235% | 1,852 |
| Net loans and leases to total assets | 57.8230% | 4,066 |
| Net loans and leases to deposits | 65.2110% | 4,388 |
| Net loans and leases to core deposits | 70.2832% | 4,265 |
| Total domestic deposits to total assets | 88.6706% | 1,817 |
| Equity capital to assets | 8.9634% | 5,082 |
| Core capital (leverage) ratio | 9.9745% | 3,610 |
| Tier 1 risk-based capital ratio | 18.9120% | 1,951 |
| Total risk-based capital ratio | 19.7570% | 2,052 |
| Memoranda: | ||
| Average total assets | $419,808,600 | 1,574 |
| Average earning assets | $407,844,600 | 1,489 |
| Average equity | $39,895,400 | 1,748 |
| Average total loans | $247,855,400 | 1,673 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1296% | 6,286 |
| Cost of funding earning assets | 0.1952% | 6,418 |
| Net interest margin | 2.9344% | 5,729 |
| Noninterest income to average assets | 0.3182% | 5,151 |
| Noninterest expense to average assets | 1.8316% | 6,299 |
| Loan and lease loss provision to assets | 0.0882% | 3,298 |
| Net operating income to assets | 0.7425% | 3,639 |
| Return on assets (ROA) | 0.7777% | 3,600 |
| Pretax return on assets | 1.3115% | 2,294 |
| Return on Equity (ROE) | 8.0678% | 3,086 |
| Retained earnings to average equity (ytd only) | 3.7927% | 3,983 |
| Net charge-offs to loans | 0.0011% | 5,200 |
| Credit loss provision to net charge-offs | 13,850.0000% | 17 |
| Earnings coverage of net charge-offs (x) | 2,108.3109% | 9 |
| Efficiency ratio | 57.6657% | 5,730 |
| Assets per employee ($millions) | 7.8305% | 499 |
| Cash dividends to net income (ytd only)* | 52.9893% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9083% | 6,037 |
| Loan loss allowance to noncurrent loans | 35.6746% | 5,778 |
| Noncurrent assets plus other real estate owned to assets | 1.5455% | 2,613 |
| Noncurrent loans to loans | 2.5459% | 1,691 |
| Net loans and leases to total assets | 60.1525% | 3,675 |
| Net loans and leases to deposits | 68.2183% | 4,035 |
| Net loans and leases to core deposits | 74.1605% | 3,822 |
| Total domestic deposits to total assets | 88.1764% | 2,012 |
| Equity capital to assets | 9.5150% | 4,538 |
| Core capital (leverage) ratio | 10.1752% | 3,434 |
| Tier 1 risk-based capital ratio | 19.0105% | 1,990 |
| Total risk-based capital ratio | 20.0275% | 2,022 |
| Memoranda: | ||
| Average total assets | $418,634,250 | 1,587 |
| Average earning assets | $407,756,750 | 1,495 |
| Average equity | $40,356,750 | 1,741 |
| Average total loans | $247,988,000 | 1,671 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1183% | 6,321 |
| Cost of funding earning assets | 0.2010% | 6,467 |
| Net interest margin | 2.9173% | 5,761 |
| Noninterest income to average assets | 0.3106% | 5,222 |
| Noninterest expense to average assets | 1.8165% | 6,349 |
| Loan and lease loss provision to assets | 0.0284% | 4,360 |
| Net operating income to assets | 0.8007% | 3,295 |
| Return on assets (ROA) | 0.8531% | 3,175 |
| Pretax return on assets | 1.3919% | 1,960 |
| Return on Equity (ROE) | 8.8130% | 2,703 |
| Retained earnings to average equity (ytd only) | 4.5923% | 3,344 |
| Net charge-offs to loans | 0.0016% | 4,887 |
| Credit loss provision to net charge-offs | 3,000.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 1,413.5000% | 20 |
| Efficiency ratio | 57.5780% | 5,788 |
| Assets per employee ($millions) | 7.8054% | 494 |
| Cash dividends to net income (ytd only)* | 47.8912% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8241% | 6,309 |
| Loan loss allowance to noncurrent loans | 135.2000% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 0.3696% | 5,374 |
| Noncurrent loans to loans | 0.6096% | 4,733 |
| Net loans and leases to total assets | 60.1282% | 3,633 |
| Net loans and leases to deposits | 67.9678% | 4,017 |
| Net loans and leases to core deposits | 73.8760% | 3,832 |
| Total domestic deposits to total assets | 88.4656% | 1,938 |
| Equity capital to assets | 9.5510% | 4,518 |
| Core capital (leverage) ratio | 9.7878% | 3,812 |
| Tier 1 risk-based capital ratio | 19.1107% | 1,966 |
| Total risk-based capital ratio | 20.0397% | 2,015 |
| Memoranda: | ||
| Average total assets | $422,450,000 | 1,577 |
| Average earning assets | $411,885,670 | 1,480 |
| Average equity | $40,894,330 | 1,722 |
| Average total loans | $248,258,000 | 1,670 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9234% | 6,586 |
| Cost of funding earning assets | 0.2063% | 6,545 |
| Net interest margin | 2.7171% | 6,192 |
| Noninterest income to average assets | 0.2990% | 5,307 |
| Noninterest expense to average assets | 1.7533% | 6,493 |
| Loan and lease loss provision to assets | 0.0279% | 4,114 |
| Net operating income to assets | 0.7389% | 3,484 |
| Return on assets (ROA) | 0.7401% | 3,609 |
| Pretax return on assets | 1.1738% | 2,671 |
| Return on Equity (ROE) | 7.5980% | 3,162 |
| Retained earnings to average equity (ytd only) | 3.4892% | 4,154 |
| Net charge-offs to loans | 0.0032% | 4,106 |
| Credit loss provision to net charge-offs | 1,500.0000% | 205 |
| Earnings coverage of net charge-offs (x) | 646.0000% | 52 |
| Efficiency ratio | 59.3711% | 5,672 |
| Assets per employee ($millions) | 8.6948% | 360 |
| Cash dividends to net income (ytd only)* | 54.0778% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7997% | 6,459 |
| Loan loss allowance to noncurrent loans | 131.8812% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 0.3556% | 5,525 |
| Noncurrent loans to loans | 0.6064% | 4,927 |
| Net loans and leases to total assets | 58.1744% | 3,763 |
| Net loans and leases to deposits | 66.5129% | 3,991 |
| Net loans and leases to core deposits | 72.1622% | 3,799 |
| Total domestic deposits to total assets | 87.4633% | 2,653 |
| Equity capital to assets | 9.8788% | 4,304 |
| Core capital (leverage) ratio | 9.6554% | 3,843 |
| Tier 1 risk-based capital ratio | 18.9338% | 2,061 |
| Total risk-based capital ratio | 19.8458% | 2,130 |
| Memoranda: | ||
| Average total assets | $430,733,500 | 1,567 |
| Average earning assets | $420,748,500 | 1,467 |
| Average equity | $41,958,500 | 1,705 |
| Average total loans | $249,348,000 | 1,668 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5083% | 6,349 |
| Cost of funding earning assets | 0.2647% | 6,610 |
| Net interest margin | 3.2437% | 5,447 |
| Noninterest income to average assets | 0.3404% | 5,023 |
| Noninterest expense to average assets | 1.8715% | 6,530 |
| Loan and lease loss provision to assets | 0.0732% | 4,809 |
| Net operating income to assets | 0.9318% | 2,638 |
| Return on assets (ROA) | 1.0545% | 2,300 |
| Pretax return on assets | 1.7404% | 1,044 |
| Return on Equity (ROE) | 10.2843% | 2,058 |
| Retained earnings to average equity (ytd only) | 4.3992% | 3,134 |
| Net charge-offs to loans | 0.0983% | 4,680 |
| Credit loss provision to net charge-offs | 117.6707% | 2,443 |
| Earnings coverage of net charge-offs (x) | 26.0763% | 1,114 |
| Efficiency ratio | 53.5750% | 6,310 |
| Assets per employee ($millions) | 9.0713% | 320 |
| Cash dividends to net income (ytd only)* | 57.2241% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7916% | 6,503 |
| Loan loss allowance to noncurrent loans | 130.2049% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 0.3475% | 5,641 |
| Noncurrent loans to loans | 0.6080% | 4,998 |
| Net loans and leases to total assets | 56.6988% | 4,162 |
| Net loans and leases to deposits | 65.1222% | 4,405 |
| Net loans and leases to core deposits | 70.2858% | 4,269 |
| Total domestic deposits to total assets | 87.0652% | 2,809 |
| Equity capital to assets | 9.6065% | 4,738 |
| Core capital (leverage) ratio | 9.7412% | 3,750 |
| Tier 1 risk-based capital ratio | 18.9158% | 1,982 |
| Total risk-based capital ratio | 19.8244% | 2,045 |
| Memoranda: | ||
| Average total assets | $400,373,000 | 1,636 |
| Average earning assets | $389,158,800 | 1,546 |
| Average equity | $41,052,800 | 1,703 |
| Average total loans | $253,380,200 | 1,629 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5839% | 6,414 |
| Cost of funding earning assets | 0.2787% | 6,703 |
| Net interest margin | 3.3052% | 5,374 |
| Noninterest income to average assets | 0.3548% | 4,984 |
| Noninterest expense to average assets | 1.9025% | 6,519 |
| Loan and lease loss provision to assets | 0.0892% | 4,491 |
| Net operating income to assets | 0.9483% | 2,753 |
| Return on assets (ROA) | 1.0793% | 2,373 |
| Pretax return on assets | 1.7776% | 1,103 |
| Return on Equity (ROE) | 10.3443% | 2,199 |
| Retained earnings to average equity (ytd only) | 5.2766% | 3,174 |
| Net charge-offs to loans | 0.1310% | 4,070 |
| Credit loss provision to net charge-offs | 104.8000% | 2,808 |
| Earnings coverage of net charge-offs (x) | 19.5277% | 1,492 |
| Efficiency ratio | 53.3715% | 6,312 |
| Assets per employee ($millions) | 8.8871% | 347 |
| Cash dividends to net income (ytd only)* | 48.9904% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7789% | 6,642 |
| Loan loss allowance to noncurrent loans | 126.6492% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 0.3745% | 5,765 |
| Noncurrent loans to loans | 0.6150% | 5,209 |
| Net loans and leases to total assets | 60.4208% | 3,690 |
| Net loans and leases to deposits | 68.8859% | 4,045 |
| Net loans and leases to core deposits | 75.5177% | 3,790 |
| Total domestic deposits to total assets | 87.7115% | 2,220 |
| Equity capital to assets | 10.2530% | 4,133 |
| Core capital (leverage) ratio | 10.0753% | 3,437 |
| Tier 1 risk-based capital ratio | 19.5229% | 1,875 |
| Total risk-based capital ratio | 20.4559% | 1,918 |
| Memoranda: | ||
| Average total assets | $391,610,750 | 1,696 |
| Average earning assets | $380,324,750 | 1,588 |
| Average equity | $40,858,750 | 1,724 |
| Average total loans | $254,513,000 | 1,641 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7388% | 6,275 |
| Cost of funding earning assets | 0.2972% | 6,751 |
| Net interest margin | 3.4416% | 4,915 |
| Noninterest income to average assets | 0.3618% | 4,942 |
| Noninterest expense to average assets | 1.9099% | 6,578 |
| Loan and lease loss provision to assets | 0.1052% | 4,211 |
| Net operating income to assets | 1.0153% | 2,396 |
| Return on assets (ROA) | 1.1542% | 2,074 |
| Pretax return on assets | 1.9006% | 843 |
| Return on Equity (ROE) | 10.9957% | 1,995 |
| Retained earnings to average equity (ytd only) | 5.8805% | 2,774 |
| Net charge-offs to loans | 0.1950% | 3,416 |
| Credit loss provision to net charge-offs | 81.2000% | 3,286 |
| Earnings coverage of net charge-offs (x) | 13.8040% | 1,760 |
| Efficiency ratio | 51.6396% | 6,529 |
| Assets per employee ($millions) | 8.0087% | 468 |
| Cash dividends to net income (ytd only)* | 46.5200% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7416% | 6,778 |
| Loan loss allowance to noncurrent loans | 110.2639% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 0.4258% | 5,717 |
| Noncurrent loans to loans | 0.6726% | 5,159 |
| Net loans and leases to total assets | 62.8369% | 3,266 |
| Net loans and leases to deposits | 72.2665% | 3,576 |
| Net loans and leases to core deposits | 79.1650% | 3,343 |
| Total domestic deposits to total assets | 86.9515% | 2,799 |
| Equity capital to assets | 10.2992% | 3,937 |
| Core capital (leverage) ratio | 10.2107% | 3,128 |
| Tier 1 risk-based capital ratio | 19.3026% | 1,897 |
| Total risk-based capital ratio | 20.1945% | 1,964 |
| Memoranda: | ||
| Average total assets | $385,879,000 | 1,715 |
| Average earning assets | $374,128,670 | 1,617 |
| Average equity | $40,506,670 | 1,722 |
| Average total loans | $256,369,670 | 1,624 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6708% | 6,485 |
| Cost of funding earning assets | 0.3107% | 6,813 |
| Net interest margin | 3.3601% | 5,262 |
| Noninterest income to average assets | 0.3423% | 5,119 |
| Noninterest expense to average assets | 1.9282% | 6,592 |
| Loan and lease loss provision to assets | 0.0877% | 4,275 |
| Net operating income to assets | 0.9424% | 2,732 |
| Return on assets (ROA) | 1.1527% | 2,054 |
| Pretax return on assets | 1.9113% | 861 |
| Return on Equity (ROE) | 10.8722% | 2,074 |
| Retained earnings to average equity (ytd only) | 5.7102% | 3,142 |
| Net charge-offs to loans | 0.3879% | 2,141 |
| Credit loss provision to net charge-offs | 33.2000% | 3,572 |
| Earnings coverage of net charge-offs (x) | 6.3240% | 2,228 |
| Efficiency ratio | 53.5819% | 6,387 |
| Assets per employee ($millions) | 7.9322% | 500 |
| Cash dividends to net income (ytd only)* | 47.4794% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6848% | 6,896 |
| Loan loss allowance to noncurrent loans | 102.2674% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 0.4425% | 5,758 |
| Noncurrent loans to loans | 0.6696% | 5,315 |
| Net loans and leases to total assets | 65.6325% | 2,538 |
| Net loans and leases to deposits | 77.0967% | 2,662 |
| Net loans and leases to core deposits | 84.8477% | 2,429 |
| Total domestic deposits to total assets | 85.1301% | 3,968 |
| Equity capital to assets | 10.3554% | 3,666 |
| Core capital (leverage) ratio | 10.5362% | 2,712 |
| Tier 1 risk-based capital ratio | 18.9489% | 2,000 |
| Total risk-based capital ratio | 19.7807% | 2,106 |
| Memoranda: | ||
| Average total assets | $378,600,000 | 1,750 |
| Average earning assets | $366,895,500 | 1,651 |
| Average equity | $40,139,000 | 1,730 |
| Average total loans | $257,803,500 | 1,620 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2025% | 6,044 |
| Cost of funding earning assets | 0.3437% | 7,026 |
| Net interest margin | 3.8588% | 3,518 |
| Noninterest income to average assets | 0.4092% | 4,547 |
| Noninterest expense to average assets | 2.0768% | 6,538 |
| Loan and lease loss provision to assets | 0.1226% | 5,071 |
| Net operating income to assets | 1.1835% | 1,553 |
| Return on assets (ROA) | 1.1835% | 1,668 |
| Pretax return on assets | 1.9643% | 570 |
| Return on Equity (ROE) | 10.7553% | 1,782 |
| Retained earnings to average equity (ytd only) | 5.7251% | 2,160 |
| Net charge-offs to loans | 0.0004% | 6,440 |
| Credit loss provision to net charge-offs | 42,800.0000% | 2 |
| Earnings coverage of net charge-offs (x) | 7,288.0000% | 2 |
| Efficiency ratio | 49.8797% | 6,840 |
| Assets per employee ($millions) | 7.8409% | 501 |
| Cash dividends to net income (ytd only)* | 46.7699% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7447% | 6,845 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 69.6897% | 2,093 |
| Net loans and leases to deposits | 82.3858% | 2,149 |
| Net loans and leases to core deposits | 91.1463% | 1,971 |
| Total domestic deposits to total assets | 84.5895% | 4,050 |
| Equity capital to assets | 10.8620% | 3,128 |
| Core capital (leverage) ratio | 10.9544% | 2,307 |
| Tier 1 risk-based capital ratio | 18.9805% | 1,898 |
| Total risk-based capital ratio | 19.9065% | 1,971 |
| Memoranda: | ||
| Average total assets | $349,231,000 | 1,856 |
| Average earning assets | $339,795,400 | 1,746 |
| Average equity | $38,427,600 | 1,753 |
| Average total loans | $262,521,800 | 1,604 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3204% | 5,884 |
| Cost of funding earning assets | 0.3496% | 7,127 |
| Net interest margin | 3.9708% | 3,050 |
| Noninterest income to average assets | 0.4255% | 4,475 |
| Noninterest expense to average assets | 2.1385% | 6,432 |
| Loan and lease loss provision to assets | 0.1115% | 5,035 |
| Net operating income to assets | 1.2272% | 1,584 |
| Return on assets (ROA) | 1.2272% | 1,687 |
| Pretax return on assets | 2.0402% | 579 |
| Return on Equity (ROE) | 11.1146% | 1,826 |
| Retained earnings to average equity (ytd only) | 6.0306% | 2,541 |
| Net charge-offs to loans | 0.0005% | 6,184 |
| Credit loss provision to net charge-offs | 28,800.0000% | 5 |
| Earnings coverage of net charge-offs (x) | 5,571.7895% | 2 |
| Efficiency ratio | 49.8466% | 6,839 |
| Assets per employee ($millions) | 7.6008% | 554 |
| Cash dividends to net income (ytd only)* | 45.7415% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6739% | 7,002 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 75.3355% | 1,087 |
| Net loans and leases to deposits | 89.1159% | 1,306 |
| Net loans and leases to core deposits | 98.7638% | 1,364 |
| Total domestic deposits to total assets | 84.5365% | 3,990 |
| Equity capital to assets | 11.2857% | 2,879 |
| Core capital (leverage) ratio | 11.2180% | 2,217 |
| Tier 1 risk-based capital ratio | 19.1064% | 1,897 |
| Total risk-based capital ratio | 19.9815% | 1,977 |
| Memoranda: | ||
| Average total assets | $344,408,250 | 1,889 |
| Average earning assets | $335,204,250 | 1,779 |
| Average equity | $38,027,250 | 1,776 |
| Average total loans | $263,465,000 | 1,610 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3965% | 5,708 |
| Cost of funding earning assets | 0.3536% | 7,220 |
| Net interest margin | 4.0429% | 2,639 |
| Noninterest income to average assets | 0.4354% | 4,380 |
| Noninterest expense to average assets | 2.1566% | 6,492 |
| Loan and lease loss provision to assets | 0.1121% | 4,895 |
| Net operating income to assets | 1.2537% | 1,433 |
| Return on assets (ROA) | 1.2537% | 1,502 |
| Pretax return on assets | 2.0971% | 492 |
| Return on Equity (ROE) | 11.4407% | 1,661 |
| Retained earnings to average equity (ytd only) | 6.2956% | 2,247 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3984% | 6,979 |
| Assets per employee ($millions) | 7.2257% | 650 |
| Cash dividends to net income (ytd only)* | 44.9721% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6363% | 7,098 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 77.8031% | 805 |
| Net loans and leases to deposits | 91.8092% | 1,079 |
| Net loans and leases to core deposits | 101.8428% | 1,187 |
| Total domestic deposits to total assets | 84.7444% | 3,996 |
| Equity capital to assets | 11.3844% | 2,615 |
| Core capital (leverage) ratio | 11.0224% | 2,226 |
| Tier 1 risk-based capital ratio | 18.4778% | 2,018 |
| Total risk-based capital ratio | 19.2903% | 2,115 |
| Memoranda: | ||
| Average total assets | $342,665,670 | 1,905 |
| Average earning assets | $333,130,330 | 1,790 |
| Average equity | $37,550,000 | 1,788 |
| Average total loans | $262,891,000 | 1,637 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2390% | 6,177 |
| Cost of funding earning assets | 0.3513% | 7,313 |
| Net interest margin | 3.8878% | 3,206 |
| Noninterest income to average assets | 0.3858% | 4,827 |
| Noninterest expense to average assets | 2.1104% | 6,611 |
| Loan and lease loss provision to assets | 0.1116% | 4,619 |
| Net operating income to assets | 1.1552% | 1,647 |
| Return on assets (ROA) | 1.1552% | 1,697 |
| Pretax return on assets | 1.9454% | 615 |
| Return on Equity (ROE) | 10.7477% | 1,819 |
| Retained earnings to average equity (ytd only) | 5.5252% | 2,895 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6414% | 6,942 |
| Assets per employee ($millions) | 7.2235% | 655 |
| Cash dividends to net income (ytd only)* | 48.5915% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6030% | 7,198 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 74.3234% | 1,297 |
| Net loans and leases to deposits | 88.3049% | 1,430 |
| Net loans and leases to core deposits | 97.0989% | 1,587 |
| Total domestic deposits to total assets | 84.1668% | 4,422 |
| Equity capital to assets | 10.5342% | 3,146 |
| Core capital (leverage) ratio | 10.8685% | 2,298 |
| Tier 1 risk-based capital ratio | 18.1321% | 2,077 |
| Total risk-based capital ratio | 18.8975% | 2,208 |
| Memoranda: | ||
| Average total assets | $344,195,500 | 1,908 |
| Average earning assets | $334,794,500 | 1,791 |
| Average equity | $36,994,000 | 1,798 |
| Average total loans | $261,378,500 | 1,666 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5342% | 6,304 |
| Cost of funding earning assets | 0.4530% | 7,365 |
| Net interest margin | 4.0811% | 2,653 |
| Noninterest income to average assets | 0.4384% | 4,604 |
| Noninterest expense to average assets | 2.2450% | 6,495 |
| Loan and lease loss provision to assets | 0.1420% | 5,763 |
| Net operating income to assets | 1.2134% | 1,382 |
| Return on assets (ROA) | 1.2316% | 1,412 |
| Pretax return on assets | 2.0326% | 450 |
| Return on Equity (ROE) | 10.2785% | 1,825 |
| Retained earnings to average equity (ytd only) | 5.0093% | 2,402 |
| Net charge-offs to loans | 0.0320% | 6,483 |
| Credit loss provision to net charge-offs | 561.5385% | 398 |
| Earnings coverage of net charge-offs (x) | 84.8462% | 290 |
| Efficiency ratio | 51.1262% | 7,052 |
| Assets per employee ($millions) | 6.9675% | 750 |
| Cash dividends to net income (ytd only)* | 51.2638% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5812% | 7,283 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 76.7230% | 1,140 |
| Net loans and leases to deposits | 90.7734% | 1,426 |
| Net loans and leases to core deposits | 100.4533% | 1,579 |
| Total domestic deposits to total assets | 84.5215% | 4,100 |
| Equity capital to assets | 10.9742% | 2,709 |
| Core capital (leverage) ratio | 11.0038% | 2,162 |
| Tier 1 risk-based capital ratio | 18.0796% | 1,971 |
| Total risk-based capital ratio | 18.8067% | 2,117 |
| Memoranda: | ||
| Average total assets | $308,372,800 | 2,100 |
| Average earning assets | $298,666,400 | 1,990 |
| Average equity | $36,951,000 | 1,792 |
| Average total loans | $243,854,000 | 1,797 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5758% | 6,407 |
| Cost of funding earning assets | 0.4629% | 7,501 |
| Net interest margin | 4.1128% | 2,567 |
| Noninterest income to average assets | 0.4444% | 4,602 |
| Noninterest expense to average assets | 2.3388% | 6,208 |
| Loan and lease loss provision to assets | 0.1268% | 5,757 |
| Net operating income to assets | 1.1850% | 1,636 |
| Return on assets (ROA) | 1.2085% | 1,655 |
| Pretax return on assets | 1.9947% | 625 |
| Return on Equity (ROE) | 9.8557% | 2,176 |
| Retained earnings to average equity (ytd only) | 4.5820% | 3,284 |
| Net charge-offs to loans | 0.0400% | 6,154 |
| Credit loss provision to net charge-offs | 398.6111% | 763 |
| Earnings coverage of net charge-offs (x) | 65.5540% | 457 |
| Efficiency ratio | 52.8707% | 6,900 |
| Assets per employee ($millions) | 6.6546% | 900 |
| Cash dividends to net income (ytd only)* | 53.5087% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5410% | 7,416 |
| Loan loss allowance to noncurrent loans | 22,583.3333% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 7,381 |
| Noncurrent loans to loans | 0.0024% | 7,271 |
| Net loans and leases to total assets | 77.9857% | 1,039 |
| Net loans and leases to deposits | 91.5907% | 1,503 |
| Net loans and leases to core deposits | 105.7152% | 1,350 |
| Total domestic deposits to total assets | 85.1458% | 3,550 |
| Equity capital to assets | 11.6061% | 2,449 |
| Core capital (leverage) ratio | 11.5067% | 1,937 |
| Tier 1 risk-based capital ratio | 18.1453% | 1,988 |
| Total risk-based capital ratio | 18.8149% | 2,128 |
| Memoranda: | ||
| Average total assets | $301,856,500 | 2,174 |
| Average earning assets | $292,053,000 | 2,060 |
| Average equity | $37,013,250 | 1,805 |
| Average total loans | $240,294,750 | 1,844 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6336% | 6,363 |
| Cost of funding earning assets | 0.4504% | 7,602 |
| Net interest margin | 4.1832% | 2,208 |
| Noninterest income to average assets | 0.4493% | 4,521 |
| Noninterest expense to average assets | 2.4094% | 6,044 |
| Loan and lease loss provision to assets | 0.0953% | 5,961 |
| Net operating income to assets | 1.2061% | 1,542 |
| Return on assets (ROA) | 1.2061% | 1,613 |
| Pretax return on assets | 1.9858% | 615 |
| Return on Equity (ROE) | 9.6503% | 2,230 |
| Retained earnings to average equity (ytd only) | 4.3521% | 3,306 |
| Net charge-offs to loans | 0.0110% | 6,193 |
| Credit loss provision to net charge-offs | 1,084.6154% | 349 |
| Earnings coverage of net charge-offs (x) | 236.9231% | 141 |
| Efficiency ratio | 53.6563% | 6,918 |
| Assets per employee ($millions) | 6.2075% | 1,095 |
| Cash dividends to net income (ytd only)* | 54.9020% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5211% | 7,485 |
| Loan loss allowance to noncurrent loans | 79.5483% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 0.5350% | 6,131 |
| Noncurrent loans to loans | 0.6550% | 5,941 |
| Net loans and leases to total assets | 81.2467% | 636 |
| Net loans and leases to deposits | 98.1810% | 859 |
| Net loans and leases to core deposits | 109.8286% | 1,173 |
| Total domestic deposits to total assets | 82.7519% | 4,668 |
| Equity capital to assets | 12.5937% | 1,746 |
| Core capital (leverage) ratio | 12.3246% | 1,486 |
| Tier 1 risk-based capital ratio | 19.3260% | 1,642 |
| Total risk-based capital ratio | 19.9838% | 1,754 |
| Memoranda: | ||
| Average total assets | $296,002,330 | 2,223 |
| Average earning assets | $285,955,670 | 2,115 |
| Average equity | $36,993,670 | 1,802 |
| Average total loans | $236,907,670 | 1,889 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6427% | 6,433 |
| Cost of funding earning assets | 0.4541% | 7,733 |
| Net interest margin | 4.1885% | 2,087 |
| Noninterest income to average assets | 0.4325% | 4,638 |
| Noninterest expense to average assets | 2.4242% | 6,000 |
| Loan and lease loss provision to assets | 0.0610% | 6,034 |
| Net operating income to assets | 1.2107% | 1,513 |
| Return on assets (ROA) | 1.2107% | 1,583 |
| Pretax return on assets | 1.9863% | 622 |
| Return on Equity (ROE) | 9.7254% | 2,197 |
| Retained earnings to average equity (ytd only) | 4.3890% | 3,517 |
| Net charge-offs to loans | 0.0223% | 5,263 |
| Credit loss provision to net charge-offs | 346.1538% | 1,166 |
| Earnings coverage of net charge-offs (x) | 116.1538% | 280 |
| Efficiency ratio | 54.2147% | 6,948 |
| Assets per employee ($millions) | 6.0738% | 1,209 |
| Cash dividends to net income (ytd only)* | 54.8712% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4910% | 7,594 |
| Loan loss allowance to noncurrent loans | 257.5824% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.1561% | 7,088 |
| Noncurrent loans to loans | 0.1906% | 6,958 |
| Net loans and leases to total assets | 81.4721% | 650 |
| Net loans and leases to deposits | 97.7751% | 927 |
| Net loans and leases to core deposits | 110.2265% | 1,256 |
| Total domestic deposits to total assets | 83.3260% | 4,463 |
| Equity capital to assets | 12.6650% | 1,669 |
| Core capital (leverage) ratio | 12.2727% | 1,506 |
| Tier 1 risk-based capital ratio | 19.3281% | 1,652 |
| Total risk-based capital ratio | 19.9428% | 1,758 |
| Memoranda: | ||
| Average total assets | $295,024,500 | 2,274 |
| Average earning assets | $284,492,500 | 2,178 |
| Average equity | $36,728,500 | 1,834 |
| Average total loans | $233,687,000 | 1,971 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5703% | 7,318 |
| Cost of funding earning assets | 0.4979% | 7,834 |
| Net interest margin | 4.0725% | 2,557 |
| Noninterest income to average assets | 0.4752% | 4,612 |
| Noninterest expense to average assets | 2.4182% | 6,408 |
| Loan and lease loss provision to assets | 0.0556% | 7,007 |
| Net operating income to assets | 1.1622% | 1,355 |
| Return on assets (ROA) | 1.1765% | 1,353 |
| Pretax return on assets | 1.9493% | 449 |
| Return on Equity (ROE) | 8.9496% | 2,041 |
| Retained earnings to average equity (ytd only) | 3.4890% | 2,728 |
| Net charge-offs to loans | 0.0090% | 7,106 |
| Credit loss provision to net charge-offs | 800.0000% | 365 |
| Earnings coverage of net charge-offs (x) | 285.0526% | 103 |
| Efficiency ratio | 54.9493% | 7,137 |
| Assets per employee ($millions) | 5.9701% | 1,268 |
| Cash dividends to net income (ytd only)* | 61.0143% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4985% | 7,666 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 76.2249% | 1,742 |
| Net loans and leases to deposits | 90.5698% | 2,129 |
| Net loans and leases to core deposits | 107.4414% | 3,168 |
| Total domestic deposits to total assets | 84.1614% | 3,961 |
| Equity capital to assets | 12.2387% | 1,887 |
| Core capital (leverage) ratio | 12.7384% | 1,332 |
| Tier 1 risk-based capital ratio | 19.8690% | 1,483 |
| Total risk-based capital ratio | 20.4904% | 1,571 |
| Memoranda: | ||
| Average total assets | $273,174,800 | 2,397 |
| Average earning assets | $263,328,600 | 2,298 |
| Average equity | $35,912,400 | 1,875 |
| Average total loans | $210,957,800 | 2,184 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6074% | 7,410 |
| Cost of funding earning assets | 0.5162% | 7,931 |
| Net interest margin | 4.0912% | 2,436 |
| Noninterest income to average assets | 0.5146% | 4,370 |
| Noninterest expense to average assets | 2.4838% | 6,128 |
| Loan and lease loss provision to assets | 0.0450% | 6,921 |
| Net operating income to assets | 1.1757% | 1,528 |
| Return on assets (ROA) | 1.1757% | 1,581 |
| Pretax return on assets | 1.9302% | 620 |
| Return on Equity (ROE) | 8.7737% | 2,351 |
| Retained earnings to average equity (ytd only) | 3.2888% | 3,471 |
| Net charge-offs to loans | 0.0065% | 6,870 |
| Credit loss provision to net charge-offs | 900.0000% | 417 |
| Earnings coverage of net charge-offs (x) | 395.3886% | 92 |
| Efficiency ratio | 55.7037% | 7,042 |
| Assets per employee ($millions) | 5.2634% | 1,827 |
| Cash dividends to net income (ytd only)* | 62.5159% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4905% | 7,726 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 82.1481% | 784 |
| Net loans and leases to deposits | 100.8599% | 1,032 |
| Net loans and leases to core deposits | 115.7885% | 2,650 |
| Total domestic deposits to total assets | 81.4477% | 4,898 |
| Equity capital to assets | 13.5025% | 1,498 |
| Core capital (leverage) ratio | 13.4308% | 1,251 |
| Tier 1 risk-based capital ratio | 20.6184% | 1,437 |
| Total risk-based capital ratio | 21.2396% | 1,511 |
| Memoranda: | ||
| Average total assets | $266,842,250 | 2,459 |
| Average earning assets | $257,262,750 | 2,362 |
| Average equity | $35,757,250 | 1,904 |
| Average total loans | $206,528,500 | 2,256 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5359% | 7,592 |
| Cost of funding earning assets | 0.5469% | 8,020 |
| Net interest margin | 3.9891% | 2,745 |
| Noninterest income to average assets | 0.5099% | 4,363 |
| Noninterest expense to average assets | 2.4640% | 6,245 |
| Loan and lease loss provision to assets | 0.0451% | 6,784 |
| Net operating income to assets | 1.1167% | 1,716 |
| Return on assets (ROA) | 1.1167% | 1,794 |
| Pretax return on assets | 1.8520% | 770 |
| Return on Equity (ROE) | 8.3552% | 2,629 |
| Retained earnings to average equity (ytd only) | 2.8487% | 3,739 |
| Net charge-offs to loans | 0.0040% | 6,560 |
| Credit loss provision to net charge-offs | 1,500.0000% | 332 |
| Earnings coverage of net charge-offs (x) | 631.5000% | 47 |
| Efficiency ratio | 56.5008% | 7,056 |
| Assets per employee ($millions) | 5.1171% | 1,952 |
| Cash dividends to net income (ytd only)* | 65.9045% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5012% | 7,785 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 79.3062% | 1,456 |
| Net loans and leases to deposits | 96.6077% | 1,712 |
| Net loans and leases to core deposits | 111.0727% | 3,247 |
| Total domestic deposits to total assets | 82.0910% | 4,650 |
| Equity capital to assets | 13.4507% | 1,511 |
| Core capital (leverage) ratio | 13.2773% | 1,338 |
| Tier 1 risk-based capital ratio | 21.0722% | 1,382 |
| Total risk-based capital ratio | 21.6997% | 1,459 |
| Memoranda: | ||
| Average total assets | $266,312,670 | 2,474 |
| Average earning assets | $257,103,330 | 2,380 |
| Average equity | $35,594,670 | 1,912 |
| Average total loans | $201,505,330 | 2,336 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4282% | 7,776 |
| Cost of funding earning assets | 0.5720% | 8,069 |
| Net interest margin | 3.8562% | 3,226 |
| Noninterest income to average assets | 0.5195% | 4,137 |
| Noninterest expense to average assets | 2.4007% | 6,190 |
| Loan and lease loss provision to assets | 0.0450% | 6,406 |
| Net operating income to assets | 1.0915% | 1,993 |
| Return on assets (ROA) | 1.0915% | 2,121 |
| Pretax return on assets | 1.7986% | 975 |
| Return on Equity (ROE) | 8.1924% | 3,059 |
| Retained earnings to average equity (ytd only) | 2.6707% | 4,397 |
| Net charge-offs to loans | 0.0082% | 5,550 |
| Credit loss provision to net charge-offs | 750.0000% | 792 |
| Earnings coverage of net charge-offs (x) | 307.0000% | 133 |
| Efficiency ratio | 56.5617% | 6,891 |
| Assets per employee ($millions) | 5.5796% | 1,496 |
| Cash dividends to net income (ytd only)* | 67.4003% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5177% | 7,799 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 72.6111% | 3,092 |
| Net loans and leases to deposits | 88.5052% | 3,198 |
| Net loans and leases to core deposits | 99.8536% | 4,551 |
| Total domestic deposits to total assets | 82.0416% | 4,532 |
| Equity capital to assets | 13.0110% | 1,740 |
| Core capital (leverage) ratio | 13.2414% | 1,407 |
| Tier 1 risk-based capital ratio | 21.5007% | 1,369 |
| Total risk-based capital ratio | 22.1276% | 1,439 |
| Memoranda: | ||
| Average total assets | $266,424,000 | 2,491 |
| Average earning assets | $257,351,500 | 2,393 |
| Average equity | $35,496,500 | 1,926 |
| Average total loans | $196,213,500 | 2,409 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2639% | 7,637 |
| Cost of funding earning assets | 0.8950% | 8,088 |
| Net interest margin | 4.3689% | 1,773 |
| Noninterest income to average assets | 0.5162% | 4,497 |
| Noninterest expense to average assets | 2.4346% | 6,276 |
| Loan and lease loss provision to assets | 0.0436% | 6,869 |
| Net operating income to assets | 1.3325% | 1,395 |
| Return on assets (ROA) | 1.3325% | 1,350 |
| Pretax return on assets | 2.1951% | 405 |
| Return on Equity (ROE) | 9.7935% | 2,331 |
| Retained earnings to average equity (ytd only) | 4.1266% | 2,561 |
| Net charge-offs to loans | 0.0413% | 6,200 |
| Credit loss provision to net charge-offs | 138.7500% | 3,827 |
| Earnings coverage of net charge-offs (x) | 71.1750% | 572 |
| Efficiency ratio | 52.0949% | 7,477 |
| Assets per employee ($millions) | 5.4052% | 1,529 |
| Cash dividends to net income (ytd only)* | 57.8637% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5221% | 7,813 |
| Loan loss allowance to noncurrent loans | 25,175.0000% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 7,662 |
| Noncurrent loans to loans | 0.0021% | 7,557 |
| Net loans and leases to total assets | 73.9525% | 3,113 |
| Net loans and leases to deposits | 90.2599% | 3,407 |
| Net loans and leases to core deposits | 101.0092% | 4,721 |
| Total domestic deposits to total assets | 81.9329% | 4,231 |
| Equity capital to assets | 13.6524% | 1,551 |
| Core capital (leverage) ratio | 13.4833% | 1,392 |
| Tier 1 risk-based capital ratio | 21.8416% | 1,334 |
| Total risk-based capital ratio | 22.4665% | 1,397 |
| Memoranda: | ||
| Average total assets | $254,335,600 | 2,519 |
| Average earning assets | $242,008,600 | 2,436 |
| Average equity | $34,604,600 | 1,965 |
| Average total loans | $193,543,800 | 2,359 |