Home > The Savings Bank > Performance and Condition Ratios
The Savings Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5720% | 3,792 |
| Cost of funding earning assets | 1.8051% | 2,710 |
| Net interest margin | 2.7669% | 3,536 |
| Noninterest income to average assets | 0.5600% | 1,666 |
| Noninterest expense to average assets | 2.4569% | 2,427 |
| Loan and lease loss provision to assets | -0.0100% | 4,079 |
| Net operating income to assets | 0.5745% | 3,298 |
| Return on assets (ROA) | 0.5745% | 3,322 |
| Pretax return on assets | 0.6509% | 3,365 |
| Return on Equity (ROE) | 6.7500% | 3,092 |
| Retained earnings to average equity (ytd only) | 4.0096% | 2,623 |
| Net charge-offs to loans | 0.0507% | 1,638 |
| Credit loss provision to net charge-offs | -60.8696% | 4,333 |
| Earnings coverage of net charge-offs (x) | 18.6957% | 1,884 |
| Efficiency ratio | 78.7317% | 1,144 |
| Assets per employee ($millions) | 6.3233% | 2,635 |
| Cash dividends to net income (ytd only)* | 40.5606% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9691% | 3,383 |
| Loan loss allowance to noncurrent loans | 276.2136% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 0.2413% | 2,308 |
| Noncurrent loans to loans | 0.3509% | 2,210 |
| Net loans and leases to total assets | 68.1100% | 2,130 |
| Net loans and leases to deposits | 80.9109% | 2,053 |
| Net loans and leases to core deposits | 92.0240% | 1,966 |
| Total domestic deposits to total assets | 84.1800% | 2,737 |
| Equity capital to assets | 9.2559% | 2,632 |
| Core capital (leverage) ratio | 9.0790% | 3,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7071% | 1,114 |
| Memoranda: | ||
| Average total assets | $540,314,000 | 1,680 |
| Average earning assets | $495,103,200 | 1,689 |
| Average equity | $46,015,000 | 1,810 |
| Average total loans | $362,975,000 | 1,640 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5202% | 3,813 |
| Cost of funding earning assets | 1.8265% | 2,640 |
| Net interest margin | 2.6937% | 3,605 |
| Noninterest income to average assets | 0.6000% | 1,465 |
| Noninterest expense to average assets | 2.4696% | 2,345 |
| Loan and lease loss provision to assets | -0.0200% | 4,186 |
| Net operating income to assets | 0.5566% | 3,336 |
| Return on assets (ROA) | 0.5566% | 3,359 |
| Pretax return on assets | 0.6192% | 3,434 |
| Return on Equity (ROE) | 6.6700% | 3,127 |
| Retained earnings to average equity (ytd only) | 5.3984% | 2,306 |
| Net charge-offs to loans | 0.0518% | 1,383 |
| Credit loss provision to net charge-offs | -78.8732% | 4,385 |
| Earnings coverage of net charge-offs (x) | 17.3592% | 1,843 |
| Efficiency ratio | 79.7509% | 1,096 |
| Assets per employee ($millions) | 6.5227% | 2,492 |
| Cash dividends to net income (ytd only)* | 19.0810% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9552% | 3,457 |
| Loan loss allowance to noncurrent loans | 344.6660% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 0.1875% | 2,524 |
| Noncurrent loans to loans | 0.2771% | 2,454 |
| Net loans and leases to total assets | 67.0200% | 2,200 |
| Net loans and leases to deposits | 79.7450% | 2,212 |
| Net loans and leases to core deposits | 91.3670% | 2,051 |
| Total domestic deposits to total assets | 84.0400% | 2,582 |
| Equity capital to assets | 9.2239% | 2,870 |
| Core capital (leverage) ratio | 8.4483% | 4,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3589% | 1,218 |
| Memoranda: | ||
| Average total assets | $547,345,000 | 1,658 |
| Average earning assets | $501,645,250 | 1,672 |
| Average equity | $45,666,750 | 1,821 |
| Average total loans | $365,649,000 | 1,633 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3638% | 3,956 |
| Cost of funding earning assets | 1.7877% | 2,654 |
| Net interest margin | 2.5761% | 3,771 |
| Noninterest income to average assets | 0.6400% | 1,304 |
| Noninterest expense to average assets | 2.4964% | 2,255 |
| Loan and lease loss provision to assets | -0.0200% | 4,221 |
| Net operating income to assets | 0.4983% | 3,433 |
| Return on assets (ROA) | 0.4983% | 3,467 |
| Pretax return on assets | 0.5284% | 3,580 |
| Return on Equity (ROE) | 6.1800% | 3,229 |
| Retained earnings to average equity (ytd only) | 4.8780% | 2,377 |
| Net charge-offs to loans | 0.0567% | 1,202 |
| Credit loss provision to net charge-offs | -58.6538% | 4,424 |
| Earnings coverage of net charge-offs (x) | 13.4231% | 1,847 |
| Efficiency ratio | 82.4396% | 958 |
| Assets per employee ($millions) | 6.9617% | 2,104 |
| Cash dividends to net income (ytd only)* | 21.1063% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9460% | 3,533 |
| Loan loss allowance to noncurrent loans | 366.3522% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 0.1735% | 2,525 |
| Noncurrent loans to loans | 0.2582% | 2,451 |
| Net loans and leases to total assets | 66.5400% | 2,284 |
| Net loans and leases to deposits | 78.4902% | 2,335 |
| Net loans and leases to core deposits | 94.0789% | 1,860 |
| Total domestic deposits to total assets | 84.7700% | 2,376 |
| Equity capital to assets | 8.2656% | 3,256 |
| Core capital (leverage) ratio | 8.5558% | 4,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6211% | 1,365 |
| Memoranda: | ||
| Average total assets | $551,507,333 | 1,645 |
| Average earning assets | $505,574,333 | 1,656 |
| Average equity | $44,444,000 | 1,836 |
| Average total loans | $366,896,667 | 1,623 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3264% | 3,929 |
| Cost of funding earning assets | 1.7869% | 2,542 |
| Net interest margin | 2.5396% | 3,816 |
| Noninterest income to average assets | 0.5000% | 1,781 |
| Noninterest expense to average assets | 2.4560% | 2,363 |
| Loan and lease loss provision to assets | 0.0400% | 1,880 |
| Net operating income to assets | 0.3042% | 3,807 |
| Return on assets (ROA) | 0.3042% | 3,839 |
| Pretax return on assets | 0.3259% | 3,884 |
| Return on Equity (ROE) | 3.8200% | 3,709 |
| Retained earnings to average equity (ytd only) | 2.5036% | 3,122 |
| Net charge-offs to loans | 0.0339% | 1,216 |
| Credit loss provision to net charge-offs | 193.5484% | 827 |
| Earnings coverage of net charge-offs (x) | 16.4516% | 1,432 |
| Efficiency ratio | 86.1830% | 770 |
| Assets per employee ($millions) | 6.2712% | 2,617 |
| Cash dividends to net income (ytd only)* | 34.5238% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9513% | 3,521 |
| Loan loss allowance to noncurrent loans | 325.8155% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 0.1944% | 2,393 |
| Noncurrent loans to loans | 0.2920% | 2,270 |
| Net loans and leases to total assets | 65.9600% | 2,238 |
| Net loans and leases to deposits | 82.1957% | 1,870 |
| Net loans and leases to core deposits | 91.9876% | 1,917 |
| Total domestic deposits to total assets | 80.2500% | 3,489 |
| Equity capital to assets | 7.9511% | 3,406 |
| Core capital (leverage) ratio | 8.2964% | 4,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1564% | 1,494 |
| Memoranda: | ||
| Average total assets | $552,272,000 | 1,651 |
| Average earning assets | $505,913,000 | 1,658 |
| Average equity | $43,936,500 | 1,840 |
| Average total loans | $365,623,000 | 1,621 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1054% | 3,796 |
| Cost of funding earning assets | 1.3456% | 2,376 |
| Net interest margin | 2.7597% | 3,732 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 2.5913% | 2,031 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.2137% | 4,154 |
| Return on assets (ROA) | 0.1954% | 4,188 |
| Pretax return on assets | 0.2169% | 4,183 |
| Return on Equity (ROE) | 2.5100% | 4,096 |
| Retained earnings to average equity (ytd only) | -3.0480% | 4,333 |
| Net charge-offs to loans | 0.0293% | 1,715 |
| Credit loss provision to net charge-offs | 193.0693% | 1,247 |
| Earnings coverage of net charge-offs (x) | 14.9307% | 2,062 |
| Efficiency ratio | 89.7703% | 418 |
| Assets per employee ($millions) | 6.1409% | 2,698 |
| Cash dividends to net income (ytd only)* | 221.4616% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9531% | 3,521 |
| Loan loss allowance to noncurrent loans | 310.6631% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.2019% | 2,215 |
| Noncurrent loans to loans | 0.3068% | 2,085 |
| Net loans and leases to total assets | 65.1900% | 2,346 |
| Net loans and leases to deposits | 82.0561% | 1,943 |
| Net loans and leases to core deposits | 90.7485% | 1,997 |
| Total domestic deposits to total assets | 79.4400% | 3,551 |
| Equity capital to assets | 7.9601% | 3,448 |
| Core capital (leverage) ratio | 8.1734% | 4,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1953% | 1,478 |
| Memoranda: | ||
| Average total assets | $553,319,800 | 1,604 |
| Average earning assets | $504,000,400 | 1,624 |
| Average equity | $43,077,600 | 1,787 |
| Average total loans | $344,844,800 | 1,629 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0254% | 3,806 |
| Cost of funding earning assets | 1.1949% | 2,448 |
| Net interest margin | 2.8305% | 3,675 |
| Noninterest income to average assets | 0.3600% | 2,741 |
| Noninterest expense to average assets | 2.5677% | 2,037 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.2849% | 4,130 |
| Return on assets (ROA) | 0.2604% | 4,167 |
| Pretax return on assets | 0.2891% | 4,178 |
| Return on Equity (ROE) | 3.3600% | 4,065 |
| Retained earnings to average equity (ytd only) | -0.6410% | 4,224 |
| Net charge-offs to loans | 0.0251% | 1,576 |
| Credit loss provision to net charge-offs | 304.6875% | 879 |
| Earnings coverage of net charge-offs (x) | 23.5625% | 1,729 |
| Efficiency ratio | 86.9154% | 481 |
| Assets per employee ($millions) | 6.7397% | 2,146 |
| Cash dividends to net income (ytd only)* | 119.0564% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9879% | 3,428 |
| Loan loss allowance to noncurrent loans | 306.8301% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.1904% | 2,322 |
| Noncurrent loans to loans | 0.3220% | 2,079 |
| Net loans and leases to total assets | 58.5500% | 2,981 |
| Net loans and leases to deposits | 70.8890% | 2,783 |
| Net loans and leases to core deposits | 86.1580% | 2,179 |
| Total domestic deposits to total assets | 82.5900% | 3,093 |
| Equity capital to assets | 6.9000% | 3,662 |
| Core capital (leverage) ratio | 8.3135% | 4,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3921% | 1,451 |
| Memoranda: | ||
| Average total assets | $553,479,750 | 1,600 |
| Average earning assets | $503,591,250 | 1,621 |
| Average equity | $42,848,500 | 1,778 |
| Average total loans | $340,120,000 | 1,643 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9873% | 3,713 |
| Cost of funding earning assets | 0.9959% | 2,615 |
| Net interest margin | 2.9914% | 3,450 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 2.5965% | 1,940 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.3812% | 4,034 |
| Return on assets (ROA) | 0.3438% | 4,120 |
| Pretax return on assets | 0.3844% | 4,137 |
| Return on Equity (ROE) | 4.2700% | 3,990 |
| Retained earnings to average equity (ytd only) | 0.3092% | 4,020 |
| Net charge-offs to loans | 0.0125% | 1,723 |
| Credit loss provision to net charge-offs | 547.6190% | 612 |
| Earnings coverage of net charge-offs (x) | 60.0952% | 1,199 |
| Efficiency ratio | 84.0063% | 594 |
| Assets per employee ($millions) | 5.9403% | 2,762 |
| Cash dividends to net income (ytd only)* | 92.7568% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9493% | 3,627 |
| Loan loss allowance to noncurrent loans | 206.0436% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 0.2937% | 1,743 |
| Noncurrent loans to loans | 0.4607% | 1,561 |
| Net loans and leases to total assets | 63.1400% | 2,470 |
| Net loans and leases to deposits | 74.7080% | 2,429 |
| Net loans and leases to core deposits | 83.0703% | 2,266 |
| Total domestic deposits to total assets | 84.5100% | 2,691 |
| Equity capital to assets | 7.8657% | 3,300 |
| Core capital (leverage) ratio | 8.6403% | 4,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0682% | 1,307 |
| Memoranda: | ||
| Average total assets | $538,029,667 | 1,641 |
| Average earning assets | $487,999,333 | 1,665 |
| Average equity | $43,335,333 | 1,771 |
| Average total loans | $335,267,667 | 1,650 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8742% | 3,730 |
| Cost of funding earning assets | 0.7545% | 2,887 |
| Net interest margin | 3.1197% | 3,304 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 2.5883% | 1,988 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.4696% | 3,968 |
| Return on assets (ROA) | 0.3934% | 4,046 |
| Pretax return on assets | 0.4384% | 4,071 |
| Return on Equity (ROE) | 4.8300% | 3,913 |
| Retained earnings to average equity (ytd only) | 0.8826% | 3,884 |
| Net charge-offs to loans | 0.0012% | 2,007 |
| Credit loss provision to net charge-offs | 7,500.0000% | 55 |
| Earnings coverage of net charge-offs (x) | 773.0000% | 145 |
| Efficiency ratio | 81.0267% | 762 |
| Assets per employee ($millions) | 5.8360% | 2,901 |
| Cash dividends to net income (ytd only)* | 81.7143% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9856% | 3,571 |
| Loan loss allowance to noncurrent loans | 199.6962% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 0.3099% | 1,622 |
| Noncurrent loans to loans | 0.4935% | 1,484 |
| Net loans and leases to total assets | 62.1800% | 2,448 |
| Net loans and leases to deposits | 72.3239% | 2,442 |
| Net loans and leases to core deposits | 80.0287% | 2,252 |
| Total domestic deposits to total assets | 85.9700% | 2,599 |
| Equity capital to assets | 8.4058% | 2,961 |
| Core capital (leverage) ratio | 8.7687% | 3,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6012% | 1,237 |
| Memoranda: | ||
| Average total assets | $533,790,000 | 1,670 |
| Average earning assets | $483,510,500 | 1,697 |
| Average equity | $43,509,500 | 1,782 |
| Average total loans | $328,726,000 | 1,688 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4431% | 3,228 |
| Cost of funding earning assets | 0.2133% | 3,647 |
| Net interest margin | 3.2298% | 2,769 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 2.7375% | 1,471 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 0.4243% | 4,217 |
| Return on assets (ROA) | 0.4406% | 4,149 |
| Pretax return on assets | 0.4966% | 4,176 |
| Return on Equity (ROE) | 5.1100% | 3,999 |
| Retained earnings to average equity (ytd only) | -0.2724% | 4,385 |
| Net charge-offs to loans | 0.0293% | 1,478 |
| Credit loss provision to net charge-offs | 784.7826% | 498 |
| Earnings coverage of net charge-offs (x) | 36.1739% | 1,567 |
| Efficiency ratio | 81.2397% | 638 |
| Assets per employee ($millions) | 5.8956% | 2,855 |
| Cash dividends to net income (ytd only)* | 105.3311% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9918% | 3,434 |
| Loan loss allowance to noncurrent loans | 244.3346% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 0.2451% | 1,929 |
| Noncurrent loans to loans | 0.4059% | 1,707 |
| Net loans and leases to total assets | 59.7800% | 2,650 |
| Net loans and leases to deposits | 71.1657% | 2,472 |
| Net loans and leases to core deposits | 75.1565% | 2,487 |
| Total domestic deposits to total assets | 84.0000% | 3,207 |
| Equity capital to assets | 7.8989% | 3,118 |
| Core capital (leverage) ratio | 8.9911% | 3,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7308% | 1,179 |
| Memoranda: | ||
| Average total assets | $544,943,400 | 1,623 |
| Average earning assets | $496,092,600 | 1,641 |
| Average equity | $46,995,800 | 1,704 |
| Average total loans | $314,401,200 | 1,660 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3462% | 3,060 |
| Cost of funding earning assets | 0.1768% | 3,551 |
| Net interest margin | 3.1694% | 2,715 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 2.8067% | 1,237 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 0.3228% | 4,356 |
| Return on assets (ROA) | 0.3456% | 4,277 |
| Pretax return on assets | 0.3797% | 4,290 |
| Return on Equity (ROE) | 3.9300% | 4,160 |
| Retained earnings to average equity (ytd only) | 1.6005% | 4,120 |
| Net charge-offs to loans | 0.0427% | 1,064 |
| Credit loss provision to net charge-offs | 617.0000% | 552 |
| Earnings coverage of net charge-offs (x) | 20.7200% | 1,699 |
| Efficiency ratio | 84.2582% | 534 |
| Assets per employee ($millions) | 6.0403% | 2,727 |
| Cash dividends to net income (ytd only)* | 59.2384% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9789% | 3,581 |
| Loan loss allowance to noncurrent loans | 246.1111% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 0.2318% | 2,070 |
| Noncurrent loans to loans | 0.3978% | 1,819 |
| Net loans and leases to total assets | 57.7000% | 2,732 |
| Net loans and leases to deposits | 64.5293% | 2,823 |
| Net loans and leases to core deposits | 69.0821% | 2,717 |
| Total domestic deposits to total assets | 89.4200% | 1,910 |
| Equity capital to assets | 7.9310% | 2,943 |
| Core capital (leverage) ratio | 8.8360% | 3,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9554% | 1,187 |
| Memoranda: | ||
| Average total assets | $547,053,250 | 1,626 |
| Average earning assets | $499,219,750 | 1,644 |
| Average equity | $48,150,250 | 1,690 |
| Average total loans | $312,015,500 | 1,664 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2437% | 2,913 |
| Cost of funding earning assets | 0.1684% | 3,336 |
| Net interest margin | 3.0753% | 2,621 |
| Noninterest income to average assets | 0.4338% | 2,548 |
| Noninterest expense to average assets | 2.9624% | 889 |
| Loan and lease loss provision to assets | 0.0456% | 1,757 |
| Net operating income to assets | 0.2273% | 4,388 |
| Return on assets (ROA) | 0.2634% | 4,302 |
| Pretax return on assets | 0.2744% | 4,329 |
| Return on Equity (ROE) | 2.8979% | 4,225 |
| Retained earnings to average equity (ytd only) | 1.1279% | 3,967 |
| Net charge-offs to loans | 0.0419% | 963 |
| Credit loss provision to net charge-offs | 192.3077% | 988 |
| Earnings coverage of net charge-offs (x) | 11.9077% | 1,720 |
| Efficiency ratio | 90.8702% | 372 |
| Assets per employee ($millions) | 5.8656% | 2,859 |
| Cash dividends to net income (ytd only)* | 61.0803% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8334% | 4,121 |
| Loan loss allowance to noncurrent loans | 232.5418% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 0.2130% | 2,253 |
| Noncurrent loans to loans | 0.3584% | 2,074 |
| Net loans and leases to total assets | 58.9404% | 2,446 |
| Net loans and leases to deposits | 67.4642% | 2,434 |
| Net loans and leases to core deposits | 69.7633% | 2,502 |
| Total domestic deposits to total assets | 87.3653% | 2,809 |
| Equity capital to assets | 8.4596% | 2,791 |
| Core capital (leverage) ratio | 8.8751% | 3,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7409% | 1,242 |
| Memoranda: | ||
| Average total assets | $548,196,667 | 1,630 |
| Average earning assets | $501,097,000 | 1,657 |
| Average equity | $49,828,667 | 1,687 |
| Average total loans | $310,427,333 | 1,669 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1494% | 2,827 |
| Cost of funding earning assets | 0.1691% | 3,233 |
| Net interest margin | 2.9803% | 2,568 |
| Noninterest income to average assets | 0.4350% | 2,468 |
| Noninterest expense to average assets | 3.3215% | 520 |
| Loan and lease loss provision to assets | 0.0360% | 1,710 |
| Net operating income to assets | -0.1937% | 4,639 |
| Return on assets (ROA) | -0.1196% | 4,594 |
| Pretax return on assets | -0.1196% | 4,585 |
| Return on Equity (ROE) | -1.2729% | 4,602 |
| Retained earnings to average equity (ytd only) | -2.7451% | 4,294 |
| Net charge-offs to loans | 0.0782% | 605 |
| Credit loss provision to net charge-offs | 83.3333% | 1,104 |
| Earnings coverage of net charge-offs (x) | -3.6500% | 1,803 |
| Efficiency ratio | 104.7576% | 177 |
| Assets per employee ($millions) | 6.1534% | 2,660 |
| Cash dividends to net income (ytd only)* | -115.6627% | 4,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8326% | 4,192 |
| Loan loss allowance to noncurrent loans | 218.6916% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 0.2057% | 2,400 |
| Noncurrent loans to loans | 0.3807% | 2,126 |
| Net loans and leases to total assets | 53.5748% | 2,813 |
| Net loans and leases to deposits | 60.1941% | 2,885 |
| Net loans and leases to core deposits | 62.2123% | 2,956 |
| Total domestic deposits to total assets | 89.0035% | 2,080 |
| Equity capital to assets | 8.5101% | 3,152 |
| Core capital (leverage) ratio | 8.4947% | 3,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8053% | 1,308 |
| Memoranda: | ||
| Average total assets | $555,410,000 | 1,614 |
| Average earning assets | $508,539,500 | 1,649 |
| Average equity | $52,165,500 | 1,673 |
| Average total loans | $307,016,000 | 1,675 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2244% | 3,422 |
| Cost of funding earning assets | 0.2303% | 3,129 |
| Net interest margin | 2.9941% | 3,206 |
| Noninterest income to average assets | 0.6324% | 2,014 |
| Noninterest expense to average assets | 2.7496% | 1,483 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5429% | 3,995 |
| Return on assets (ROA) | 0.5864% | 3,948 |
| Pretax return on assets | 0.6978% | 3,931 |
| Return on Equity (ROE) | 5.7168% | 3,841 |
| Retained earnings to average equity (ytd only) | -2.7518% | 4,650 |
| Net charge-offs to loans | 0.0236% | 1,772 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 49.2281% | 1,306 |
| Efficiency ratio | 80.7309% | 766 |
| Assets per employee ($millions) | 5.9182% | 2,848 |
| Cash dividends to net income (ytd only)* | 148.1351% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8476% | 4,181 |
| Loan loss allowance to noncurrent loans | 211.8033% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 0.2265% | 2,422 |
| Noncurrent loans to loans | 0.4002% | 2,155 |
| Net loans and leases to total assets | 56.1287% | 2,591 |
| Net loans and leases to deposits | 64.6350% | 2,632 |
| Net loans and leases to core deposits | 66.5854% | 2,769 |
| Total domestic deposits to total assets | 86.8395% | 2,574 |
| Equity capital to assets | 10.3296% | 2,340 |
| Core capital (leverage) ratio | 9.9419% | 2,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3130% | 1,192 |
| Memoranda: | ||
| Average total assets | $434,357,400 | 1,883 |
| Average earning assets | $400,853,200 | 1,903 |
| Average equity | $44,552,800 | 1,936 |
| Average total loans | $241,291,400 | 1,986 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2552% | 3,501 |
| Cost of funding earning assets | 0.2590% | 3,025 |
| Net interest margin | 2.9962% | 3,319 |
| Noninterest income to average assets | 0.6773% | 1,901 |
| Noninterest expense to average assets | 2.6310% | 1,749 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7133% | 3,735 |
| Return on assets (ROA) | 0.7772% | 3,645 |
| Pretax return on assets | 0.8928% | 3,710 |
| Return on Equity (ROE) | 7.5946% | 3,508 |
| Retained earnings to average equity (ytd only) | 6.1873% | 2,750 |
| Net charge-offs to loans | 0.0101% | 1,946 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 147.5882% | 686 |
| Efficiency ratio | 75.9985% | 1,037 |
| Assets per employee ($millions) | 6.0636% | 2,630 |
| Cash dividends to net income (ytd only)* | 18.5294% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1210% | 3,343 |
| Loan loss allowance to noncurrent loans | 187.6967% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 0.3341% | 2,112 |
| Noncurrent loans to loans | 0.5972% | 1,819 |
| Net loans and leases to total assets | 55.3204% | 2,814 |
| Net loans and leases to deposits | 63.8317% | 2,870 |
| Net loans and leases to core deposits | 66.0711% | 2,949 |
| Total domestic deposits to total assets | 86.6660% | 2,480 |
| Equity capital to assets | 10.1434% | 2,765 |
| Core capital (leverage) ratio | 9.6488% | 2,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0499% | 806 |
| Memoranda: | ||
| Average total assets | $408,307,500 | 1,982 |
| Average earning assets | $377,893,750 | 1,997 |
| Average equity | $41,783,250 | 2,050 |
| Average total loans | $225,397,000 | 2,106 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2170% | 3,641 |
| Cost of funding earning assets | 0.2824% | 2,950 |
| Net interest margin | 2.9346% | 3,491 |
| Noninterest income to average assets | 0.7280% | 1,726 |
| Noninterest expense to average assets | 2.6547% | 1,709 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6806% | 3,807 |
| Return on assets (ROA) | 0.6806% | 3,874 |
| Pretax return on assets | 0.7887% | 3,890 |
| Return on Equity (ROE) | 6.6306% | 3,745 |
| Retained earnings to average equity (ytd only) | 5.2160% | 3,112 |
| Net charge-offs to loans | -0.0144% | 3,833 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8359% | 1,005 |
| Assets per employee ($millions) | 5.9319% | 2,686 |
| Cash dividends to net income (ytd only)* | 21.3353% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1783% | 3,058 |
| Loan loss allowance to noncurrent loans | 170.7129% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 0.3750% | 2,106 |
| Noncurrent loans to loans | 0.6902% | 1,699 |
| Net loans and leases to total assets | 53.6864% | 3,169 |
| Net loans and leases to deposits | 61.8981% | 3,212 |
| Net loans and leases to core deposits | 64.1820% | 3,272 |
| Total domestic deposits to total assets | 86.7335% | 2,456 |
| Equity capital to assets | 10.0613% | 2,799 |
| Core capital (leverage) ratio | 9.6845% | 2,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3541% | 776 |
| Memoranda: | ||
| Average total assets | $404,946,667 | 1,986 |
| Average earning assets | $374,702,000 | 2,000 |
| Average equity | $41,564,667 | 2,049 |
| Average total loans | $222,503,000 | 2,135 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2113% | 3,665 |
| Cost of funding earning assets | 0.3135% | 2,857 |
| Net interest margin | 2.8978% | 3,532 |
| Noninterest income to average assets | 0.6453% | 2,047 |
| Noninterest expense to average assets | 2.6083% | 1,867 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6063% | 3,928 |
| Return on assets (ROA) | 0.6063% | 3,991 |
| Pretax return on assets | 0.7194% | 3,977 |
| Return on Equity (ROE) | 5.8469% | 3,901 |
| Retained earnings to average equity (ytd only) | 4.4286% | 3,383 |
| Net charge-offs to loans | 0.0344% | 1,137 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 37.8421% | 1,003 |
| Efficiency ratio | 78.1118% | 945 |
| Assets per employee ($millions) | 5.7989% | 2,799 |
| Cash dividends to net income (ytd only)* | 24.2574% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1911% | 2,979 |
| Loan loss allowance to noncurrent loans | 164.8241% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 0.3867% | 2,255 |
| Noncurrent loans to loans | 0.7226% | 1,800 |
| Net loans and leases to total assets | 52.8696% | 3,363 |
| Net loans and leases to deposits | 61.0434% | 3,405 |
| Net loans and leases to core deposits | 63.7874% | 3,436 |
| Total domestic deposits to total assets | 86.6100% | 2,478 |
| Equity capital to assets | 9.9419% | 2,757 |
| Core capital (leverage) ratio | 9.7706% | 2,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4612% | 735 |
| Memoranda: | ||
| Average total assets | $399,803,000 | 1,993 |
| Average earning assets | $370,070,500 | 2,003 |
| Average equity | $41,458,000 | 2,037 |
| Average total loans | $220,963,500 | 2,146 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7513% | 3,439 |
| Cost of funding earning assets | 0.6003% | 2,305 |
| Net interest margin | 3.1511% | 3,493 |
| Noninterest income to average assets | 0.7340% | 1,734 |
| Noninterest expense to average assets | 2.7976% | 1,945 |
| Loan and lease loss provision to assets | 0.1746% | 2,204 |
| Net operating income to assets | 0.5734% | 3,838 |
| Return on assets (ROA) | 0.5935% | 3,884 |
| Pretax return on assets | 0.6983% | 3,884 |
| Return on Equity (ROE) | 5.2652% | 3,827 |
| Retained earnings to average equity (ytd only) | 2.2437% | 3,732 |
| Net charge-offs to loans | 0.0597% | 1,924 |
| Credit loss provision to net charge-offs | 478.1022% | 1,293 |
| Earnings coverage of net charge-offs (x) | 23.2555% | 1,811 |
| Efficiency ratio | 76.6937% | 1,153 |
| Assets per employee ($millions) | 5.5412% | 2,801 |
| Cash dividends to net income (ytd only)* | 57.3866% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1921% | 2,988 |
| Loan loss allowance to noncurrent loans | 162.2850% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 0.4197% | 2,320 |
| Noncurrent loans to loans | 0.7346% | 1,867 |
| Net loans and leases to total assets | 56.4563% | 3,256 |
| Net loans and leases to deposits | 65.8325% | 3,285 |
| Net loans and leases to core deposits | 69.0740% | 3,328 |
| Total domestic deposits to total assets | 85.7575% | 2,471 |
| Equity capital to assets | 10.8237% | 2,408 |
| Core capital (leverage) ratio | 9.7407% | 2,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2929% | 739 |
| Memoranda: | ||
| Average total assets | $375,215,400 | 1,941 |
| Average earning assets | $346,835,800 | 1,951 |
| Average equity | $42,296,800 | 1,932 |
| Average total loans | $229,583,800 | 2,038 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8321% | 3,462 |
| Cost of funding earning assets | 0.6259% | 2,451 |
| Net interest margin | 3.2062% | 3,474 |
| Noninterest income to average assets | 0.6852% | 1,841 |
| Noninterest expense to average assets | 2.8336% | 1,871 |
| Loan and lease loss provision to assets | 0.2346% | 1,737 |
| Net operating income to assets | 0.5046% | 4,016 |
| Return on assets (ROA) | 0.5046% | 4,111 |
| Pretax return on assets | 0.5816% | 4,133 |
| Return on Equity (ROE) | 4.4301% | 4,053 |
| Retained earnings to average equity (ytd only) | 1.2932% | 4,153 |
| Net charge-offs to loans | 0.0489% | 1,911 |
| Credit loss provision to net charge-offs | 770.5882% | 1,006 |
| Earnings coverage of net charge-offs (x) | 26.8000% | 1,683 |
| Efficiency ratio | 77.6338% | 1,073 |
| Assets per employee ($millions) | 5.5786% | 2,642 |
| Cash dividends to net income (ytd only)* | 70.8097% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1879% | 2,732 |
| Loan loss allowance to noncurrent loans | 161.1244% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 0.4282% | 2,459 |
| Noncurrent loans to loans | 0.7373% | 1,966 |
| Net loans and leases to total assets | 57.3843% | 3,480 |
| Net loans and leases to deposits | 69.4755% | 3,354 |
| Net loans and leases to core deposits | 73.1467% | 3,385 |
| Total domestic deposits to total assets | 82.5964% | 3,252 |
| Equity capital to assets | 11.1358% | 2,293 |
| Core capital (leverage) ratio | 10.2940% | 2,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6156% | 711 |
| Memoranda: | ||
| Average total assets | $372,048,750 | 1,934 |
| Average earning assets | $344,033,000 | 1,944 |
| Average equity | $42,375,250 | 1,912 |
| Average total loans | $231,573,250 | 2,027 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9481% | 3,470 |
| Cost of funding earning assets | 0.6834% | 2,482 |
| Net interest margin | 3.2648% | 3,476 |
| Noninterest income to average assets | 0.6127% | 2,086 |
| Noninterest expense to average assets | 2.9593% | 1,689 |
| Loan and lease loss provision to assets | 0.2815% | 1,528 |
| Net operating income to assets | 0.3498% | 4,333 |
| Return on assets (ROA) | 0.3498% | 4,388 |
| Pretax return on assets | 0.3881% | 4,430 |
| Return on Equity (ROE) | 3.0472% | 4,342 |
| Retained earnings to average equity (ytd only) | -0.9951% | 4,476 |
| Net charge-offs to loans | 0.0403% | 1,938 |
| Credit loss provision to net charge-offs | 1,095.7447% | 745 |
| Earnings coverage of net charge-offs (x) | 26.0638% | 1,537 |
| Efficiency ratio | 81.5484% | 786 |
| Assets per employee ($millions) | 5.2140% | 2,915 |
| Cash dividends to net income (ytd only)* | 132.6563% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1159% | 2,961 |
| Loan loss allowance to noncurrent loans | 132.5831% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 0.5136% | 2,295 |
| Noncurrent loans to loans | 0.8417% | 1,813 |
| Net loans and leases to total assets | 60.3459% | 3,286 |
| Net loans and leases to deposits | 72.9880% | 3,163 |
| Net loans and leases to core deposits | 77.4804% | 3,154 |
| Total domestic deposits to total assets | 82.6791% | 3,184 |
| Equity capital to assets | 11.2298% | 2,160 |
| Core capital (leverage) ratio | 10.6219% | 2,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4450% | 723 |
| Memoranda: | ||
| Average total assets | $365,898,667 | 1,934 |
| Average earning assets | $338,032,000 | 1,953 |
| Average equity | $42,005,333 | 1,919 |
| Average total loans | $233,171,333 | 1,993 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1385% | 3,406 |
| Cost of funding earning assets | 0.7632% | 2,592 |
| Net interest margin | 3.3753% | 3,377 |
| Noninterest income to average assets | 0.4373% | 2,862 |
| Noninterest expense to average assets | 3.2733% | 1,279 |
| Loan and lease loss provision to assets | 0.3403% | 904 |
| Net operating income to assets | -0.0692% | 4,788 |
| Return on assets (ROA) | -0.0692% | 4,774 |
| Pretax return on assets | -0.0580% | 4,758 |
| Return on Equity (ROE) | -0.5956% | 4,781 |
| Retained earnings to average equity (ytd only) | -4.4480% | 4,474 |
| Net charge-offs to loans | -0.0034% | 3,754 |
| Credit loss provision to net charge-offs | -15,250.0000% | 4,007 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0615% | 429 |
| Assets per employee ($millions) | 5.1359% | 2,491 |
| Cash dividends to net income (ytd only)* | -646.7742% | 5,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0257% | 3,569 |
| Loan loss allowance to noncurrent loans | 132.3529% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 0.5035% | 2,488 |
| Noncurrent loans to loans | 0.7750% | 2,063 |
| Net loans and leases to total assets | 64.3026% | 3,031 |
| Net loans and leases to deposits | 78.2722% | 2,855 |
| Net loans and leases to core deposits | 82.9012% | 2,942 |
| Total domestic deposits to total assets | 82.1526% | 3,370 |
| Equity capital to assets | 11.5271% | 2,419 |
| Core capital (leverage) ratio | 10.8304% | 2,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4572% | 809 |
| Memoranda: | ||
| Average total assets | $358,537,500 | 1,926 |
| Average earning assets | $331,232,000 | 1,930 |
| Average equity | $41,636,500 | 1,923 |
| Average total loans | $233,616,500 | 1,970 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1500% | 3,927 |
| Cost of funding earning assets | 0.7988% | 2,687 |
| Net interest margin | 3.3511% | 3,871 |
| Noninterest income to average assets | 0.4452% | 3,029 |
| Noninterest expense to average assets | 2.7547% | 2,739 |
| Loan and lease loss provision to assets | 0.0346% | 3,321 |
| Net operating income to assets | 0.6633% | 3,979 |
| Return on assets (ROA) | 0.6730% | 4,014 |
| Pretax return on assets | 0.7770% | 4,025 |
| Return on Equity (ROE) | 5.8505% | 3,962 |
| Retained earnings to average equity (ytd only) | 2.6111% | 3,727 |
| Net charge-offs to loans | 0.0585% | 2,265 |
| Credit loss provision to net charge-offs | 95.2381% | 2,587 |
| Earnings coverage of net charge-offs (x) | 22.0556% | 1,864 |
| Efficiency ratio | 77.4870% | 1,207 |
| Assets per employee ($millions) | 4.8278% | 2,803 |
| Cash dividends to net income (ytd only)* | 55.3701% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9222% | 3,869 |
| Loan loss allowance to noncurrent loans | 132.0075% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 0.5133% | 2,365 |
| Noncurrent loans to loans | 0.6986% | 2,132 |
| Net loans and leases to total assets | 64.7512% | 3,101 |
| Net loans and leases to deposits | 79.2423% | 2,875 |
| Net loans and leases to core deposits | 83.9611% | 2,953 |
| Total domestic deposits to total assets | 81.7129% | 3,587 |
| Equity capital to assets | 11.7016% | 2,350 |
| Core capital (leverage) ratio | 11.2473% | 2,296 |
| Tier 1 risk-based capital ratio | 19.6465% | 1,383 |
| Total risk-based capital ratio | 20.6842% | 1,389 |
| Memoranda: | ||
| Average total assets | $347,226,800 | 1,921 |
| Average earning assets | $322,218,000 | 1,913 |
| Average equity | $39,945,600 | 1,936 |
| Average total loans | $215,351,000 | 2,053 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0990% | 4,157 |
| Cost of funding earning assets | 0.7975% | 2,734 |
| Net interest margin | 3.3014% | 4,089 |
| Noninterest income to average assets | 0.4240% | 3,184 |
| Noninterest expense to average assets | 2.7446% | 2,729 |
| Loan and lease loss provision to assets | 0.0116% | 3,663 |
| Net operating income to assets | 0.6391% | 4,187 |
| Return on assets (ROA) | 0.6521% | 4,204 |
| Pretax return on assets | 0.7477% | 4,245 |
| Return on Equity (ROE) | 5.6937% | 4,129 |
| Retained earnings to average equity (ytd only) | 4.1861% | 3,308 |
| Net charge-offs to loans | 0.0599% | 1,963 |
| Credit loss provision to net charge-offs | 31.5789% | 2,904 |
| Earnings coverage of net charge-offs (x) | 20.3269% | 1,963 |
| Efficiency ratio | 78.6677% | 1,042 |
| Assets per employee ($millions) | 5.0059% | 2,560 |
| Cash dividends to net income (ytd only)* | 26.4777% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9390% | 3,879 |
| Loan loss allowance to noncurrent loans | 135.2325% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 0.4928% | 2,554 |
| Noncurrent loans to loans | 0.6943% | 2,220 |
| Net loans and leases to total assets | 62.1711% | 3,479 |
| Net loans and leases to deposits | 75.4280% | 3,353 |
| Net loans and leases to core deposits | 79.6329% | 3,417 |
| Total domestic deposits to total assets | 82.4244% | 3,347 |
| Equity capital to assets | 11.8603% | 2,366 |
| Core capital (leverage) ratio | 11.5313% | 2,190 |
| Tier 1 risk-based capital ratio | 19.7832% | 1,405 |
| Total risk-based capital ratio | 20.7941% | 1,419 |
| Memoranda: | ||
| Average total assets | $345,926,250 | 1,935 |
| Average earning assets | $321,144,250 | 1,929 |
| Average equity | $39,622,000 | 1,960 |
| Average total loans | $211,607,250 | 2,090 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0889% | 4,189 |
| Cost of funding earning assets | 0.8134% | 2,585 |
| Net interest margin | 3.2755% | 4,187 |
| Noninterest income to average assets | 0.4030% | 3,262 |
| Noninterest expense to average assets | 2.7785% | 2,666 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5961% | 4,315 |
| Return on assets (ROA) | 0.6039% | 4,339 |
| Pretax return on assets | 0.6776% | 4,385 |
| Return on Equity (ROE) | 5.3366% | 4,252 |
| Retained earnings to average equity (ytd only) | 3.8023% | 3,348 |
| Net charge-offs to loans | 0.0766% | 1,602 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 14.4000% | 2,039 |
| Efficiency ratio | 80.5963% | 920 |
| Assets per employee ($millions) | 4.8692% | 2,639 |
| Cash dividends to net income (ytd only)* | 28.7500% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9724% | 3,771 |
| Loan loss allowance to noncurrent loans | 130.0952% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 0.5208% | 2,473 |
| Noncurrent loans to loans | 0.7475% | 2,119 |
| Net loans and leases to total assets | 61.2178% | 3,625 |
| Net loans and leases to deposits | 71.1787% | 3,754 |
| Net loans and leases to core deposits | 75.3603% | 3,780 |
| Total domestic deposits to total assets | 86.0057% | 2,031 |
| Equity capital to assets | 11.9259% | 2,250 |
| Core capital (leverage) ratio | 11.7118% | 2,011 |
| Tier 1 risk-based capital ratio | 20.1012% | 1,335 |
| Total risk-based capital ratio | 21.1251% | 1,342 |
| Memoranda: | ||
| Average total assets | $344,431,000 | 1,952 |
| Average earning assets | $320,134,000 | 1,944 |
| Average equity | $38,976,000 | 1,981 |
| Average total loans | $208,836,330 | 2,119 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0434% | 4,278 |
| Cost of funding earning assets | 0.8216% | 2,415 |
| Net interest margin | 3.2218% | 4,339 |
| Noninterest income to average assets | 0.4113% | 3,103 |
| Noninterest expense to average assets | 2.7578% | 2,714 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5749% | 4,315 |
| Return on assets (ROA) | 0.5904% | 4,307 |
| Pretax return on assets | 0.6655% | 4,385 |
| Return on Equity (ROE) | 5.3593% | 4,236 |
| Retained earnings to average equity (ytd only) | 3.7861% | 3,409 |
| Net charge-offs to loans | 0.0770% | 1,304 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 14.0250% | 1,817 |
| Efficiency ratio | 80.9701% | 969 |
| Assets per employee ($millions) | 4.9468% | 2,593 |
| Cash dividends to net income (ytd only)* | 29.3542% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0143% | 3,607 |
| Loan loss allowance to noncurrent loans | 127.3004% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 0.5242% | 2,531 |
| Noncurrent loans to loans | 0.7968% | 2,045 |
| Net loans and leases to total assets | 58.0461% | 3,884 |
| Net loans and leases to deposits | 66.0564% | 4,046 |
| Net loans and leases to core deposits | 70.6447% | 4,042 |
| Total domestic deposits to total assets | 87.8734% | 1,404 |
| Equity capital to assets | 11.0785% | 2,770 |
| Core capital (leverage) ratio | 11.2951% | 2,297 |
| Tier 1 risk-based capital ratio | 20.0316% | 1,337 |
| Total risk-based capital ratio | 21.0817% | 1,344 |
| Memoranda: | ||
| Average total assets | $346,223,000 | 1,964 |
| Average earning assets | $321,807,500 | 1,952 |
| Average equity | $38,139,500 | 2,010 |
| Average total loans | $207,900,500 | 2,147 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9739% | 4,100 |
| Cost of funding earning assets | 0.5371% | 3,134 |
| Net interest margin | 3.4368% | 3,891 |
| Noninterest income to average assets | 0.4380% | 3,185 |
| Noninterest expense to average assets | 2.7381% | 2,900 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7785% | 3,883 |
| Return on assets (ROA) | 0.7790% | 3,884 |
| Pretax return on assets | 0.9029% | 3,891 |
| Return on Equity (ROE) | 7.3864% | 3,699 |
| Retained earnings to average equity (ytd only) | 3.8591% | 3,460 |
| Net charge-offs to loans | 0.0291% | 2,814 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 51.5738% | 1,114 |
| Efficiency ratio | 75.2127% | 1,465 |
| Assets per employee ($millions) | 4.6111% | 3,005 |
| Cash dividends to net income (ytd only)* | 47.7541% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0146% | 3,592 |
| Loan loss allowance to noncurrent loans | 120.4867% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 0.5178% | 2,521 |
| Noncurrent loans to loans | 0.8421% | 1,917 |
| Net loans and leases to total assets | 60.8727% | 3,681 |
| Net loans and leases to deposits | 69.2926% | 3,878 |
| Net loans and leases to core deposits | 74.1173% | 3,845 |
| Total domestic deposits to total assets | 87.8488% | 1,372 |
| Equity capital to assets | 10.9514% | 2,728 |
| Core capital (leverage) ratio | 11.6972% | 1,954 |
| Tier 1 risk-based capital ratio | 19.6676% | 1,363 |
| Total risk-based capital ratio | 20.7280% | 1,377 |
| Memoranda: | ||
| Average total assets | $348,638,000 | 1,922 |
| Average earning assets | $324,867,000 | 1,908 |
| Average equity | $36,770,200 | 1,996 |
| Average total loans | $209,303,800 | 2,101 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9325% | 4,129 |
| Cost of funding earning assets | 0.4919% | 3,254 |
| Net interest margin | 3.4407% | 3,892 |
| Noninterest income to average assets | 0.4573% | 3,122 |
| Noninterest expense to average assets | 2.7097% | 2,946 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8184% | 3,849 |
| Return on assets (ROA) | 0.8190% | 3,856 |
| Pretax return on assets | 0.9575% | 3,856 |
| Return on Equity (ROE) | 7.8388% | 3,610 |
| Retained earnings to average equity (ytd only) | 6.2040% | 2,547 |
| Net charge-offs to loans | 0.0261% | 2,592 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 61.3362% | 1,050 |
| Efficiency ratio | 73.9054% | 1,609 |
| Assets per employee ($millions) | 4.6109% | 2,968 |
| Cash dividends to net income (ytd only)* | 20.8546% | 2,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0096% | 3,695 |
| Loan loss allowance to noncurrent loans | 121.8945% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 0.5167% | 2,668 |
| Noncurrent loans to loans | 0.8283% | 2,051 |
| Net loans and leases to total assets | 61.7518% | 3,682 |
| Net loans and leases to deposits | 70.3963% | 3,889 |
| Net loans and leases to core deposits | 75.3818% | 3,849 |
| Total domestic deposits to total assets | 87.7202% | 1,380 |
| Equity capital to assets | 10.7763% | 2,871 |
| Core capital (leverage) ratio | 11.3565% | 2,280 |
| Tier 1 risk-based capital ratio | 19.6777% | 1,403 |
| Total risk-based capital ratio | 20.7409% | 1,409 |
| Memoranda: | ||
| Average total assets | $350,491,250 | 1,932 |
| Average earning assets | $326,905,750 | 1,912 |
| Average equity | $36,620,500 | 2,002 |
| Average total loans | $209,169,250 | 2,105 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8597% | 4,192 |
| Cost of funding earning assets | 0.4307% | 3,491 |
| Net interest margin | 3.4290% | 3,868 |
| Noninterest income to average assets | 0.3835% | 3,594 |
| Noninterest expense to average assets | 2.6534% | 3,155 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7844% | 3,908 |
| Return on assets (ROA) | 0.7868% | 3,900 |
| Pretax return on assets | 0.9389% | 3,846 |
| Return on Equity (ROE) | 7.6071% | 3,675 |
| Retained earnings to average equity (ytd only) | 5.9719% | 2,579 |
| Net charge-offs to loans | 0.0298% | 2,266 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 53.3871% | 1,078 |
| Efficiency ratio | 73.9206% | 1,715 |
| Assets per employee ($millions) | 4.7998% | 2,682 |
| Cash dividends to net income (ytd only)* | 21.4953% | 2,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0197% | 3,719 |
| Loan loss allowance to noncurrent loans | 121.9085% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 0.5054% | 2,733 |
| Noncurrent loans to loans | 0.8364% | 2,055 |
| Net loans and leases to total assets | 59.8110% | 3,830 |
| Net loans and leases to deposits | 68.0106% | 4,018 |
| Net loans and leases to core deposits | 71.7401% | 4,025 |
| Total domestic deposits to total assets | 87.9436% | 1,411 |
| Equity capital to assets | 10.4322% | 3,181 |
| Core capital (leverage) ratio | 11.2056% | 2,341 |
| Tier 1 risk-based capital ratio | 19.4281% | 1,446 |
| Total risk-based capital ratio | 20.4992% | 1,446 |
| Memoranda: | ||
| Average total assets | $353,587,330 | 1,921 |
| Average earning assets | $330,596,000 | 1,905 |
| Average equity | $36,571,000 | 2,006 |
| Average total loans | $207,943,000 | 2,118 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7879% | 4,250 |
| Cost of funding earning assets | 0.4086% | 3,522 |
| Net interest margin | 3.3793% | 3,951 |
| Noninterest income to average assets | 0.4234% | 3,286 |
| Noninterest expense to average assets | 2.6499% | 3,193 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7399% | 3,948 |
| Return on assets (ROA) | 0.7444% | 3,924 |
| Pretax return on assets | 0.9460% | 3,714 |
| Return on Equity (ROE) | 7.2280% | 3,689 |
| Retained earnings to average equity (ytd only) | 5.5878% | 2,912 |
| Net charge-offs to loans | 0.0932% | 1,241 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 17.3958% | 1,583 |
| Efficiency ratio | 73.8080% | 1,924 |
| Assets per employee ($millions) | 5.2713% | 2,164 |
| Cash dividends to net income (ytd only)* | 22.6929% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0234% | 3,827 |
| Loan loss allowance to noncurrent loans | 114.7910% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 0.5359% | 2,737 |
| Noncurrent loans to loans | 0.8915% | 2,044 |
| Net loans and leases to total assets | 57.7961% | 3,956 |
| Net loans and leases to deposits | 65.0923% | 4,146 |
| Net loans and leases to core deposits | 68.4382% | 4,192 |
| Total domestic deposits to total assets | 88.7909% | 1,211 |
| Equity capital to assets | 10.1320% | 3,472 |
| Core capital (leverage) ratio | 10.8425% | 2,588 |
| Tier 1 risk-based capital ratio | 19.1350% | 1,525 |
| Total risk-based capital ratio | 20.2030% | 1,524 |
| Memoranda: | ||
| Average total assets | $355,187,500 | 1,922 |
| Average earning assets | $332,845,500 | 1,910 |
| Average equity | $36,580,000 | 2,011 |
| Average total loans | $206,050,000 | 2,151 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7507% | 4,216 |
| Cost of funding earning assets | 0.4145% | 3,105 |
| Net interest margin | 3.3363% | 4,050 |
| Noninterest income to average assets | 0.4631% | 3,229 |
| Noninterest expense to average assets | 2.6796% | 3,197 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5652% | 4,166 |
| Return on assets (ROA) | 0.5656% | 4,195 |
| Pretax return on assets | 0.9052% | 3,909 |
| Return on Equity (ROE) | 5.3896% | 4,009 |
| Retained earnings to average equity (ytd only) | 1.9135% | 4,171 |
| Net charge-offs to loans | 0.0480% | 2,826 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 33.2708% | 1,440 |
| Efficiency ratio | 74.7610% | 1,791 |
| Assets per employee ($millions) | 5.2526% | 2,199 |
| Cash dividends to net income (ytd only)* | 64.4967% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0799% | 3,450 |
| Loan loss allowance to noncurrent loans | 109.0637% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 0.5800% | 2,616 |
| Noncurrent loans to loans | 0.9902% | 1,787 |
| Net loans and leases to total assets | 57.0002% | 4,112 |
| Net loans and leases to deposits | 66.8480% | 4,120 |
| Net loans and leases to core deposits | 70.5926% | 4,137 |
| Total domestic deposits to total assets | 85.2685% | 2,734 |
| Equity capital to assets | 10.4687% | 3,197 |
| Core capital (leverage) ratio | 10.7307% | 2,611 |
| Tier 1 risk-based capital ratio | 19.6758% | 1,384 |
| Total risk-based capital ratio | 20.8137% | 1,376 |
| Memoranda: | ||
| Average total assets | $353,076,200 | 1,902 |
| Average earning assets | $330,310,400 | 1,893 |
| Average equity | $37,052,600 | 1,976 |
| Average total loans | $199,885,600 | 2,158 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7349% | 4,228 |
| Cost of funding earning assets | 0.4132% | 3,057 |
| Net interest margin | 3.3216% | 4,099 |
| Noninterest income to average assets | 0.4501% | 3,331 |
| Noninterest expense to average assets | 2.6805% | 3,126 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6917% | 4,019 |
| Return on assets (ROA) | 0.6920% | 4,089 |
| Pretax return on assets | 0.8758% | 4,123 |
| Return on Equity (ROE) | 6.5901% | 3,865 |
| Retained earnings to average equity (ytd only) | 4.6533% | 3,113 |
| Net charge-offs to loans | 0.0248% | 2,954 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 62.7055% | 966 |
| Efficiency ratio | 75.3820% | 1,680 |
| Assets per employee ($millions) | 5.2586% | 2,163 |
| Cash dividends to net income (ytd only)* | 29.3894% | 2,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1046% | 3,457 |
| Loan loss allowance to noncurrent loans | 121.6333% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 0.5263% | 2,957 |
| Noncurrent loans to loans | 0.9082% | 2,114 |
| Net loans and leases to total assets | 56.3079% | 4,206 |
| Net loans and leases to deposits | 63.8723% | 4,387 |
| Net loans and leases to core deposits | 67.4492% | 4,384 |
| Total domestic deposits to total assets | 88.1569% | 1,277 |
| Equity capital to assets | 10.7284% | 3,138 |
| Core capital (leverage) ratio | 10.6840% | 2,783 |
| Tier 1 risk-based capital ratio | 19.8240% | 1,404 |
| Total risk-based capital ratio | 20.9835% | 1,388 |
| Memoranda: | ||
| Average total assets | $353,364,000 | 1,908 |
| Average earning assets | $330,390,750 | 1,903 |
| Average equity | $37,105,250 | 1,981 |
| Average total loans | $199,160,000 | 2,168 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7056% | 4,217 |
| Cost of funding earning assets | 0.4122% | 2,958 |
| Net interest margin | 3.2934% | 4,132 |
| Noninterest income to average assets | 0.4410% | 3,412 |
| Noninterest expense to average assets | 2.6992% | 3,090 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6512% | 4,075 |
| Return on assets (ROA) | 0.6512% | 4,127 |
| Pretax return on assets | 0.8200% | 4,201 |
| Return on Equity (ROE) | 6.2476% | 3,937 |
| Retained earnings to average equity (ytd only) | 4.2905% | 3,153 |
| Net charge-offs to loans | -0.0273% | 4,910 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6995% | 1,622 |
| Assets per employee ($millions) | 5.3423% | 2,015 |
| Cash dividends to net income (ytd only)* | 31.3264% | 2,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1712% | 3,190 |
| Loan loss allowance to noncurrent loans | 118.7372% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 0.5535% | 2,916 |
| Noncurrent loans to loans | 0.9864% | 1,990 |
| Net loans and leases to total assets | 54.5299% | 4,350 |
| Net loans and leases to deposits | 62.5768% | 4,465 |
| Net loans and leases to core deposits | 65.8422% | 4,477 |
| Total domestic deposits to total assets | 87.1407% | 1,886 |
| Equity capital to assets | 10.6237% | 3,204 |
| Core capital (leverage) ratio | 10.7912% | 2,610 |
| Tier 1 risk-based capital ratio | 19.9904% | 1,374 |
| Total risk-based capital ratio | 21.2090% | 1,339 |
| Memoranda: | ||
| Average total assets | $351,957,330 | 1,917 |
| Average earning assets | $328,962,330 | 1,911 |
| Average equity | $36,686,000 | 1,993 |
| Average total loans | $197,681,000 | 2,187 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6548% | 4,257 |
| Cost of funding earning assets | 0.4238% | 2,779 |
| Net interest margin | 3.2310% | 4,244 |
| Noninterest income to average assets | 0.3874% | 3,754 |
| Noninterest expense to average assets | 2.6421% | 3,335 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5972% | 4,171 |
| Return on assets (ROA) | 0.5972% | 4,222 |
| Pretax return on assets | 0.7600% | 4,250 |
| Return on Equity (ROE) | 5.7863% | 4,004 |
| Retained earnings to average equity (ytd only) | 3.7872% | 3,556 |
| Net charge-offs to loans | -0.0243% | 4,842 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6617% | 1,679 |
| Assets per employee ($millions) | 5.1638% | 2,224 |
| Cash dividends to net income (ytd only)* | 34.5489% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1533% | 3,396 |
| Loan loss allowance to noncurrent loans | 105.0274% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 0.6233% | 2,761 |
| Noncurrent loans to loans | 1.0981% | 1,864 |
| Net loans and leases to total assets | 55.2783% | 4,228 |
| Net loans and leases to deposits | 62.3359% | 4,413 |
| Net loans and leases to core deposits | 65.5195% | 4,459 |
| Total domestic deposits to total assets | 88.6781% | 1,332 |
| Equity capital to assets | 10.2419% | 3,472 |
| Core capital (leverage) ratio | 10.5820% | 2,812 |
| Tier 1 risk-based capital ratio | 20.1195% | 1,366 |
| Total risk-based capital ratio | 21.3525% | 1,341 |
| Memoranda: | ||
| Average total assets | $348,968,000 | 1,938 |
| Average earning assets | $325,595,000 | 1,936 |
| Average equity | $36,016,000 | 2,029 |
| Average total loans | $197,774,000 | 2,199 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6841% | 4,261 |
| Cost of funding earning assets | 0.4447% | 2,581 |
| Net interest margin | 3.2394% | 4,331 |
| Noninterest income to average assets | 0.4528% | 3,523 |
| Noninterest expense to average assets | 2.6099% | 3,648 |
| Loan and lease loss provision to assets | 0.1217% | 2,029 |
| Net operating income to assets | 0.5822% | 4,279 |
| Return on assets (ROA) | 0.6984% | 3,898 |
| Pretax return on assets | 0.9104% | 3,810 |
| Return on Equity (ROE) | 6.4850% | 3,743 |
| Retained earnings to average equity (ytd only) | 3.2627% | 3,587 |
| Net charge-offs to loans | 0.0504% | 3,035 |
| Credit loss provision to net charge-offs | 432.9897% | 737 |
| Earnings coverage of net charge-offs (x) | 31.3608% | 1,391 |
| Efficiency ratio | 74.7594% | 2,170 |
| Assets per employee ($millions) | 5.0240% | 2,368 |
| Cash dividends to net income (ytd only)* | 49.6889% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1646% | 3,341 |
| Loan loss allowance to noncurrent loans | 104.0984% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 0.6525% | 2,773 |
| Noncurrent loans to loans | 1.1187% | 1,846 |
| Net loans and leases to total assets | 56.7878% | 4,191 |
| Net loans and leases to deposits | 64.6294% | 4,352 |
| Net loans and leases to core deposits | 67.8145% | 4,413 |
| Total domestic deposits to total assets | 87.8669% | 1,699 |
| Equity capital to assets | 10.4029% | 3,267 |
| Core capital (leverage) ratio | 10.6007% | 2,771 |
| Tier 1 risk-based capital ratio | 20.3694% | 1,310 |
| Total risk-based capital ratio | 21.6193% | 1,285 |
| Memoranda: | ||
| Average total assets | $345,221,000 | 1,920 |
| Average earning assets | $323,796,200 | 1,901 |
| Average equity | $37,178,200 | 1,967 |
| Average total loans | $192,345,000 | 2,185 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6620% | 4,367 |
| Cost of funding earning assets | 0.4395% | 2,645 |
| Net interest margin | 3.2226% | 4,420 |
| Noninterest income to average assets | 0.4407% | 3,625 |
| Noninterest expense to average assets | 2.5771% | 3,736 |
| Loan and lease loss provision to assets | 0.1213% | 1,918 |
| Net operating income to assets | 0.5887% | 4,337 |
| Return on assets (ROA) | 0.7439% | 3,762 |
| Pretax return on assets | 0.9719% | 3,731 |
| Return on Equity (ROE) | 6.8496% | 3,640 |
| Retained earnings to average equity (ytd only) | 5.2569% | 2,662 |
| Net charge-offs to loans | 0.0439% | 2,766 |
| Credit loss provision to net charge-offs | 500.0000% | 698 |
| Earnings coverage of net charge-offs (x) | 36.7451% | 1,305 |
| Efficiency ratio | 74.2921% | 2,222 |
| Assets per employee ($millions) | 5.4766% | 1,875 |
| Cash dividends to net income (ytd only)* | 23.2522% | 3,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1200% | 3,734 |
| Loan loss allowance to noncurrent loans | 95.8442% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 0.6582% | 2,932 |
| Noncurrent loans to loans | 1.1686% | 1,919 |
| Net loans and leases to total assets | 54.9087% | 4,413 |
| Net loans and leases to deposits | 62.3628% | 4,606 |
| Net loans and leases to core deposits | 65.8071% | 4,620 |
| Total domestic deposits to total assets | 88.0471% | 1,380 |
| Equity capital to assets | 10.8295% | 3,218 |
| Core capital (leverage) ratio | 10.6084% | 2,866 |
| Tier 1 risk-based capital ratio | 20.3843% | 1,378 |
| Total risk-based capital ratio | 21.5893% | 1,349 |
| Memoranda: | ||
| Average total assets | $346,117,500 | 1,922 |
| Average earning assets | $325,241,250 | 1,907 |
| Average equity | $37,587,750 | 1,958 |
| Average total loans | $191,358,000 | 2,196 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6815% | 4,353 |
| Cost of funding earning assets | 0.4403% | 2,653 |
| Net interest margin | 3.2412% | 4,407 |
| Noninterest income to average assets | 0.4241% | 3,705 |
| Noninterest expense to average assets | 2.5756% | 3,801 |
| Loan and lease loss provision to assets | 0.1225% | 1,857 |
| Net operating income to assets | 0.5853% | 4,330 |
| Return on assets (ROA) | 0.7041% | 3,918 |
| Pretax return on assets | 0.9270% | 3,848 |
| Return on Equity (ROE) | 6.4776% | 3,813 |
| Retained earnings to average equity (ytd only) | 4.8730% | 2,807 |
| Net charge-offs to loans | 0.0021% | 3,636 |
| Credit loss provision to net charge-offs | 10,500.0000% | 27 |
| Earnings coverage of net charge-offs (x) | 765.5000% | 71 |
| Efficiency ratio | 74.2516% | 2,322 |
| Assets per employee ($millions) | 4.9993% | 2,296 |
| Cash dividends to net income (ytd only)* | 24.7722% | 3,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1210% | 3,833 |
| Loan loss allowance to noncurrent loans | 90.7191% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 0.7703% | 2,678 |
| Noncurrent loans to loans | 1.2357% | 1,860 |
| Net loans and leases to total assets | 55.4880% | 4,361 |
| Net loans and leases to deposits | 63.2120% | 4,552 |
| Net loans and leases to core deposits | 66.8987% | 4,548 |
| Total domestic deposits to total assets | 87.7808% | 1,542 |
| Equity capital to assets | 11.0549% | 2,997 |
| Core capital (leverage) ratio | 10.6523% | 2,789 |
| Tier 1 risk-based capital ratio | 20.5704% | 1,332 |
| Total risk-based capital ratio | 21.7797% | 1,323 |
| Memoranda: | ||
| Average total assets | $342,829,330 | 1,945 |
| Average earning assets | $322,042,000 | 1,921 |
| Average equity | $37,266,670 | 1,980 |
| Average total loans | $189,251,000 | 2,218 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6644% | 4,436 |
| Cost of funding earning assets | 0.4322% | 2,750 |
| Net interest margin | 3.2322% | 4,465 |
| Noninterest income to average assets | 0.3581% | 4,162 |
| Noninterest expense to average assets | 2.5421% | 3,936 |
| Loan and lease loss provision to assets | 0.1229% | 1,719 |
| Net operating income to assets | 0.5733% | 4,297 |
| Return on assets (ROA) | 0.5770% | 4,397 |
| Pretax return on assets | 0.7350% | 4,402 |
| Return on Equity (ROE) | 5.3539% | 4,315 |
| Retained earnings to average equity (ytd only) | 3.7249% | 3,629 |
| Net charge-offs to loans | -0.0941% | 5,605 |
| Credit loss provision to net charge-offs | -238.6364% | 4,380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8707% | 2,344 |
| Assets per employee ($millions) | 5.0512% | 2,286 |
| Cash dividends to net income (ytd only)* | 30.4260% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1214% | 3,937 |
| Loan loss allowance to noncurrent loans | 90.9914% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 0.7417% | 2,857 |
| Noncurrent loans to loans | 1.2325% | 1,962 |
| Net loans and leases to total assets | 53.4036% | 4,504 |
| Net loans and leases to deposits | 60.6035% | 4,671 |
| Net loans and leases to core deposits | 63.5414% | 4,723 |
| Total domestic deposits to total assets | 88.1196% | 1,579 |
| Equity capital to assets | 10.7267% | 3,221 |
| Core capital (leverage) ratio | 10.5816% | 2,870 |
| Tier 1 risk-based capital ratio | 20.9978% | 1,320 |
| Total risk-based capital ratio | 22.2163% | 1,297 |
| Memoranda: | ||
| Average total assets | $341,769,000 | 1,957 |
| Average earning assets | $321,147,000 | 1,929 |
| Average equity | $36,833,000 | 1,997 |
| Average total loans | $187,088,500 | 2,239 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7465% | 4,206 |
| Cost of funding earning assets | 0.4446% | 2,689 |
| Net interest margin | 3.3019% | 4,290 |
| Noninterest income to average assets | 0.3488% | 4,412 |
| Noninterest expense to average assets | 2.4546% | 4,376 |
| Loan and lease loss provision to assets | 0.1370% | 1,731 |
| Net operating income to assets | 0.6298% | 4,141 |
| Return on assets (ROA) | 0.7375% | 3,733 |
| Pretax return on assets | 1.0088% | 3,436 |
| Return on Equity (ROE) | 6.6973% | 3,686 |
| Retained earnings to average equity (ytd only) | 3.3860% | 3,640 |
| Net charge-offs to loans | 0.2346% | 1,268 |
| Credit loss provision to net charge-offs | 105.6338% | 2,379 |
| Earnings coverage of net charge-offs (x) | 7.6972% | 3,048 |
| Efficiency ratio | 71.0923% | 3,053 |
| Assets per employee ($millions) | 4.5891% | 2,897 |
| Cash dividends to net income (ytd only)* | 49.4428% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0557% | 4,284 |
| Loan loss allowance to noncurrent loans | 82.4097% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 0.7731% | 2,747 |
| Noncurrent loans to loans | 1.2811% | 1,835 |
| Net loans and leases to total assets | 54.9168% | 4,401 |
| Net loans and leases to deposits | 62.7772% | 4,568 |
| Net loans and leases to core deposits | 66.0445% | 4,590 |
| Total domestic deposits to total assets | 87.4788% | 1,893 |
| Equity capital to assets | 10.8296% | 2,998 |
| Core capital (leverage) ratio | 10.6359% | 2,790 |
| Tier 1 risk-based capital ratio | 21.3161% | 1,247 |
| Total risk-based capital ratio | 22.4763% | 1,240 |
| Memoranda: | ||
| Average total assets | $328,521,400 | 2,001 |
| Average earning assets | $308,824,600 | 1,971 |
| Average equity | $36,178,800 | 1,972 |
| Average total loans | $181,587,000 | 2,222 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7537% | 4,246 |
| Cost of funding earning assets | 0.4404% | 2,793 |
| Net interest margin | 3.3133% | 4,286 |
| Noninterest income to average assets | 0.3573% | 4,383 |
| Noninterest expense to average assets | 2.4741% | 4,274 |
| Loan and lease loss provision to assets | 0.1428% | 1,547 |
| Net operating income to assets | 0.6289% | 4,245 |
| Return on assets (ROA) | 0.7032% | 4,003 |
| Pretax return on assets | 0.9556% | 3,796 |
| Return on Equity (ROE) | 6.3579% | 3,981 |
| Retained earnings to average equity (ytd only) | 4.7021% | 3,125 |
| Net charge-offs to loans | 0.1802% | 1,402 |
| Credit loss provision to net charge-offs | 143.4426% | 1,740 |
| Earnings coverage of net charge-offs (x) | 10.0286% | 2,635 |
| Efficiency ratio | 71.2557% | 3,002 |
| Assets per employee ($millions) | 4.8577% | 2,476 |
| Cash dividends to net income (ytd only)* | 26.0440% | 2,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1190% | 4,118 |
| Loan loss allowance to noncurrent loans | 86.5792% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 0.7047% | 3,144 |
| Noncurrent loans to loans | 1.2925% | 1,980 |
| Net loans and leases to total assets | 53.9116% | 4,576 |
| Net loans and leases to deposits | 61.8271% | 4,733 |
| Net loans and leases to core deposits | 65.6523% | 4,716 |
| Total domestic deposits to total assets | 87.1974% | 1,937 |
| Equity capital to assets | 11.0230% | 2,997 |
| Core capital (leverage) ratio | 10.7890% | 2,731 |
| Tier 1 risk-based capital ratio | 22.4403% | 1,137 |
| Total risk-based capital ratio | 23.6907% | 1,114 |
| Memoranda: | ||
| Average total assets | $326,900,000 | 2,025 |
| Average earning assets | $307,318,500 | 1,997 |
| Average equity | $36,153,500 | 1,984 |
| Average total loans | $180,499,250 | 2,242 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7708% | 4,176 |
| Cost of funding earning assets | 0.4380% | 2,866 |
| Net interest margin | 3.3328% | 4,164 |
| Noninterest income to average assets | 0.3480% | 4,472 |
| Noninterest expense to average assets | 2.4718% | 4,323 |
| Loan and lease loss provision to assets | 0.1851% | 1,096 |
| Net operating income to assets | 0.6034% | 4,331 |
| Return on assets (ROA) | 0.7102% | 3,967 |
| Pretax return on assets | 0.9780% | 3,666 |
| Return on Equity (ROE) | 6.4142% | 3,923 |
| Retained earnings to average equity (ytd only) | 4.7480% | 3,025 |
| Net charge-offs to loans | 0.0957% | 2,058 |
| Credit loss provision to net charge-offs | 348.8372% | 833 |
| Earnings coverage of net charge-offs (x) | 19.1628% | 1,763 |
| Efficiency ratio | 70.8525% | 3,188 |
| Assets per employee ($millions) | 4.7416% | 2,620 |
| Cash dividends to net income (ytd only)* | 25.9774% | 2,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2238% | 3,650 |
| Loan loss allowance to noncurrent loans | 103.8091% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 0.6339% | 3,520 |
| Noncurrent loans to loans | 1.1789% | 2,296 |
| Net loans and leases to total assets | 53.1135% | 4,647 |
| Net loans and leases to deposits | 60.9806% | 4,781 |
| Net loans and leases to core deposits | 64.5499% | 4,771 |
| Total domestic deposits to total assets | 87.0990% | 2,112 |
| Equity capital to assets | 10.9962% | 2,884 |
| Core capital (leverage) ratio | 10.8759% | 2,540 |
| Tier 1 risk-based capital ratio | 22.6688% | 1,118 |
| Total risk-based capital ratio | 23.9205% | 1,097 |
| Memoranda: | ||
| Average total assets | $324,139,330 | 2,053 |
| Average earning assets | $305,452,330 | 2,018 |
| Average equity | $35,889,000 | 2,007 |
| Average total loans | $179,750,000 | 2,263 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7616% | 4,161 |
| Cost of funding earning assets | 0.4442% | 2,835 |
| Net interest margin | 3.3174% | 4,146 |
| Noninterest income to average assets | 0.3137% | 4,681 |
| Noninterest expense to average assets | 2.4301% | 4,514 |
| Loan and lease loss provision to assets | 0.1860% | 1,017 |
| Net operating income to assets | 0.6137% | 4,224 |
| Return on assets (ROA) | 0.6137% | 4,313 |
| Pretax return on assets | 0.8456% | 4,080 |
| Return on Equity (ROE) | 5.5237% | 4,273 |
| Retained earnings to average equity (ytd only) | 3.8499% | 3,691 |
| Net charge-offs to loans | -0.0132% | 4,852 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2006% | 3,453 |
| Assets per employee ($millions) | 4.7041% | 2,758 |
| Cash dividends to net income (ytd only)* | 30.3030% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1537% | 4,242 |
| Loan loss allowance to noncurrent loans | 86.8214% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 0.7328% | 3,293 |
| Noncurrent loans to loans | 1.3288% | 2,166 |
| Net loans and leases to total assets | 54.5100% | 4,369 |
| Net loans and leases to deposits | 62.6059% | 4,517 |
| Net loans and leases to core deposits | 66.1436% | 4,505 |
| Total domestic deposits to total assets | 87.0685% | 2,338 |
| Equity capital to assets | 11.0316% | 2,933 |
| Core capital (leverage) ratio | 10.7975% | 2,627 |
| Tier 1 risk-based capital ratio | 22.6001% | 1,156 |
| Total risk-based capital ratio | 23.8495% | 1,145 |
| Memoranda: | ||
| Average total assets | $322,624,500 | 2,066 |
| Average earning assets | $306,144,000 | 2,013 |
| Average equity | $35,845,500 | 2,019 |
| Average total loans | $181,663,000 | 2,263 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8791% | 4,205 |
| Cost of funding earning assets | 0.4587% | 3,087 |
| Net interest margin | 3.4204% | 4,107 |
| Noninterest income to average assets | 0.3731% | 4,399 |
| Noninterest expense to average assets | 2.4651% | 4,656 |
| Loan and lease loss provision to assets | 0.1791% | 1,435 |
| Net operating income to assets | 0.6778% | 3,998 |
| Return on assets (ROA) | 0.6771% | 4,118 |
| Pretax return on assets | 0.9850% | 3,562 |
| Return on Equity (ROE) | 6.0822% | 4,102 |
| Retained earnings to average equity (ytd only) | 2.6827% | 4,336 |
| Net charge-offs to loans | 0.3234% | 1,366 |
| Credit loss provision to net charge-offs | 95.6229% | 2,520 |
| Earnings coverage of net charge-offs (x) | 6.2189% | 3,246 |
| Efficiency ratio | 67.9062% | 3,912 |
| Assets per employee ($millions) | 5.1797% | 2,089 |
| Cash dividends to net income (ytd only)* | 55.8919% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0669% | 4,719 |
| Loan loss allowance to noncurrent loans | 73.6422% | 4,399 |
| Noncurrent assets plus other real estate owned to assets | 0.8700% | 3,036 |
| Noncurrent loans to loans | 1.4488% | 2,030 |
| Net loans and leases to total assets | 56.9049% | 4,211 |
| Net loans and leases to deposits | 66.2671% | 4,291 |
| Net loans and leases to core deposits | 70.6556% | 4,259 |
| Total domestic deposits to total assets | 85.8719% | 2,908 |
| Equity capital to assets | 11.1929% | 2,706 |
| Core capital (leverage) ratio | 11.0364% | 2,372 |
| Tier 1 risk-based capital ratio | 20.9853% | 1,410 |
| Total risk-based capital ratio | 22.1461% | 1,402 |
| Memoranda: | ||
| Average total assets | $317,069,200 | 2,050 |
| Average earning assets | $301,924,200 | 1,988 |
| Average equity | $35,299,600 | 1,981 |
| Average total loans | $183,654,400 | 2,190 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8910% | 4,203 |
| Cost of funding earning assets | 0.4523% | 3,224 |
| Net interest margin | 3.4388% | 4,076 |
| Noninterest income to average assets | 0.3928% | 4,302 |
| Noninterest expense to average assets | 2.4141% | 4,782 |
| Loan and lease loss provision to assets | 0.1924% | 1,252 |
| Net operating income to assets | 0.7357% | 3,748 |
| Return on assets (ROA) | 0.7357% | 3,857 |
| Pretax return on assets | 1.0638% | 3,325 |
| Return on Equity (ROE) | 6.6168% | 3,894 |
| Retained earnings to average equity (ytd only) | 4.9163% | 3,143 |
| Net charge-offs to loans | 0.3512% | 1,145 |
| Credit loss provision to net charge-offs | 94.4330% | 2,351 |
| Earnings coverage of net charge-offs (x) | 6.1650% | 3,134 |
| Efficiency ratio | 65.7738% | 4,249 |
| Assets per employee ($millions) | 5.2220% | 1,992 |
| Cash dividends to net income (ytd only)* | 25.6998% | 2,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0793% | 4,844 |
| Loan loss allowance to noncurrent loans | 64.6862% | 4,648 |
| Noncurrent assets plus other real estate owned to assets | 0.9562% | 3,055 |
| Noncurrent loans to loans | 1.6685% | 1,956 |
| Net loans and leases to total assets | 56.6913% | 4,242 |
| Net loans and leases to deposits | 66.3665% | 4,292 |
| Net loans and leases to core deposits | 69.7262% | 4,348 |
| Total domestic deposits to total assets | 85.4215% | 3,148 |
| Equity capital to assets | 11.4813% | 2,501 |
| Core capital (leverage) ratio | 11.1101% | 2,388 |
| Tier 1 risk-based capital ratio | 21.4656% | 1,357 |
| Total risk-based capital ratio | 22.6405% | 1,345 |
| Memoranda: | ||
| Average total assets | $317,346,750 | 2,060 |
| Average earning assets | $302,466,250 | 1,999 |
| Average equity | $35,283,250 | 1,991 |
| Average total loans | $184,134,250 | 2,186 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9049% | 4,119 |
| Cost of funding earning assets | 0.4466% | 3,367 |
| Net interest margin | 3.4583% | 3,947 |
| Noninterest income to average assets | 0.3979% | 4,260 |
| Noninterest expense to average assets | 2.3873% | 4,915 |
| Loan and lease loss provision to assets | 0.2247% | 1,027 |
| Net operating income to assets | 0.7449% | 3,593 |
| Return on assets (ROA) | 0.7449% | 3,697 |
| Pretax return on assets | 1.0907% | 3,132 |
| Return on Equity (ROE) | 6.7725% | 3,732 |
| Retained earnings to average equity (ytd only) | 5.0609% | 2,923 |
| Net charge-offs to loans | 0.2047% | 1,800 |
| Credit loss provision to net charge-offs | 188.4211% | 1,225 |
| Earnings coverage of net charge-offs (x) | 11.0316% | 2,190 |
| Efficiency ratio | 64.4746% | 4,618 |
| Assets per employee ($millions) | 5.1003% | 2,088 |
| Cash dividends to net income (ytd only)* | 25.2738% | 2,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1676% | 4,578 |
| Loan loss allowance to noncurrent loans | 64.9711% | 4,662 |
| Noncurrent assets plus other real estate owned to assets | 1.0382% | 2,993 |
| Noncurrent loans to loans | 1.7970% | 1,909 |
| Net loans and leases to total assets | 57.0980% | 4,100 |
| Net loans and leases to deposits | 66.7845% | 4,192 |
| Net loans and leases to core deposits | 70.2009% | 4,245 |
| Total domestic deposits to total assets | 85.4959% | 3,288 |
| Equity capital to assets | 11.2747% | 2,636 |
| Core capital (leverage) ratio | 11.0088% | 2,422 |
| Tier 1 risk-based capital ratio | 20.9767% | 1,450 |
| Total risk-based capital ratio | 22.2272% | 1,427 |
| Memoranda: | ||
| Average total assets | $318,689,670 | 2,049 |
| Average earning assets | $304,541,330 | 1,982 |
| Average equity | $35,053,330 | 1,991 |
| Average total loans | $185,658,330 | 2,175 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9031% | 4,076 |
| Cost of funding earning assets | 0.4437% | 3,494 |
| Net interest margin | 3.4594% | 3,864 |
| Noninterest income to average assets | 0.4351% | 3,906 |
| Noninterest expense to average assets | 2.3681% | 5,014 |
| Loan and lease loss provision to assets | 0.2476% | 874 |
| Net operating income to assets | 0.7727% | 3,293 |
| Return on assets (ROA) | 0.7727% | 3,375 |
| Pretax return on assets | 1.1340% | 2,753 |
| Return on Equity (ROE) | 7.1130% | 3,404 |
| Retained earnings to average equity (ytd only) | 5.3865% | 2,861 |
| Net charge-offs to loans | 0.1176% | 2,019 |
| Credit loss provision to net charge-offs | 360.0000% | 697 |
| Earnings coverage of net charge-offs (x) | 20.0909% | 1,347 |
| Efficiency ratio | 63.1544% | 4,980 |
| Assets per employee ($millions) | 5.4396% | 1,763 |
| Cash dividends to net income (ytd only)* | 24.2718% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1193% | 5,032 |
| Loan loss allowance to noncurrent loans | 69.2737% | 4,519 |
| Noncurrent assets plus other real estate owned to assets | 0.9504% | 3,351 |
| Noncurrent loans to loans | 1.6158% | 2,407 |
| Net loans and leases to total assets | 57.0580% | 3,993 |
| Net loans and leases to deposits | 66.2658% | 4,064 |
| Net loans and leases to core deposits | 69.6774% | 4,130 |
| Total domestic deposits to total assets | 86.1049% | 3,308 |
| Equity capital to assets | 10.7276% | 3,005 |
| Core capital (leverage) ratio | 10.6754% | 2,731 |
| Tier 1 risk-based capital ratio | 19.9770% | 1,727 |
| Total risk-based capital ratio | 21.1950% | 1,703 |
| Memoranda: | ||
| Average total assets | $319,924,000 | 2,041 |
| Average earning assets | $306,526,000 | 1,973 |
| Average equity | $34,753,500 | 1,995 |
| Average total loans | $187,143,000 | 2,161 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0673% | 3,857 |
| Cost of funding earning assets | 0.4619% | 4,002 |
| Net interest margin | 3.6054% | 3,445 |
| Noninterest income to average assets | 0.3155% | 5,084 |
| Noninterest expense to average assets | 2.4252% | 5,008 |
| Loan and lease loss provision to assets | 0.4114% | 722 |
| Net operating income to assets | 0.6611% | 3,982 |
| Return on assets (ROA) | 0.6625% | 4,073 |
| Pretax return on assets | 0.9207% | 3,677 |
| Return on Equity (ROE) | 5.8325% | 4,187 |
| Retained earnings to average equity (ytd only) | 2.5054% | 4,470 |
| Net charge-offs to loans | 0.6117% | 1,070 |
| Credit loss provision to net charge-offs | 114.0667% | 2,117 |
| Earnings coverage of net charge-offs (x) | 3.6880% | 3,785 |
| Efficiency ratio | 64.5795% | 4,800 |
| Assets per employee ($millions) | 5.2246% | 1,933 |
| Cash dividends to net income (ytd only)* | 57.0447% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0572% | 5,316 |
| Loan loss allowance to noncurrent loans | 62.0189% | 4,796 |
| Noncurrent assets plus other real estate owned to assets | 1.0301% | 3,366 |
| Noncurrent loans to loans | 1.7047% | 2,354 |
| Net loans and leases to total assets | 58.6937% | 3,919 |
| Net loans and leases to deposits | 68.5014% | 3,972 |
| Net loans and leases to core deposits | 71.7072% | 4,108 |
| Total domestic deposits to total assets | 85.6824% | 3,410 |
| Equity capital to assets | 11.0041% | 2,610 |
| Core capital (leverage) ratio | 10.8739% | 2,507 |
| Tier 1 risk-based capital ratio | 19.9733% | 1,660 |
| Total risk-based capital ratio | 21.1246% | 1,653 |
| Memoranda: | ||
| Average total assets | $307,477,600 | 2,097 |
| Average earning assets | $293,367,000 | 2,020 |
| Average equity | $34,925,000 | 1,976 |
| Average total loans | $181,303,000 | 2,180 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0894% | 3,810 |
| Cost of funding earning assets | 0.4602% | 4,170 |
| Net interest margin | 3.6293% | 3,324 |
| Noninterest income to average assets | 0.3425% | 4,953 |
| Noninterest expense to average assets | 2.3988% | 5,027 |
| Loan and lease loss provision to assets | 0.5002% | 547 |
| Net operating income to assets | 0.6488% | 4,128 |
| Return on assets (ROA) | 0.6488% | 4,251 |
| Pretax return on assets | 0.9007% | 3,881 |
| Return on Equity (ROE) | 5.6670% | 4,373 |
| Retained earnings to average equity (ytd only) | 4.0647% | 3,798 |
| Net charge-offs to loans | 0.7653% | 778 |
| Credit loss provision to net charge-offs | 111.0251% | 2,126 |
| Earnings coverage of net charge-offs (x) | 3.1093% | 3,797 |
| Efficiency ratio | 63.1307% | 4,961 |
| Assets per employee ($millions) | 5.1962% | 1,939 |
| Cash dividends to net income (ytd only)* | 28.2741% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0386% | 5,563 |
| Loan loss allowance to noncurrent loans | 74.5736% | 4,250 |
| Noncurrent assets plus other real estate owned to assets | 1.0190% | 3,616 |
| Noncurrent loans to loans | 1.3927% | 3,085 |
| Net loans and leases to total assets | 58.8031% | 3,881 |
| Net loans and leases to deposits | 69.3123% | 3,888 |
| Net loans and leases to core deposits | 72.7037% | 4,005 |
| Total domestic deposits to total assets | 84.8379% | 3,823 |
| Equity capital to assets | 11.1499% | 2,620 |
| Core capital (leverage) ratio | 11.0286% | 2,454 |
| Tier 1 risk-based capital ratio | 20.1121% | 1,710 |
| Total risk-based capital ratio | 21.2403% | 1,715 |
| Memoranda: | ||
| Average total assets | $305,978,250 | 2,109 |
| Average earning assets | $291,475,000 | 2,039 |
| Average equity | $35,032,500 | 1,983 |
| Average total loans | $180,139,750 | 2,198 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0168% | 4,039 |
| Cost of funding earning assets | 0.4673% | 4,235 |
| Net interest margin | 3.5495% | 3,567 |
| Noninterest income to average assets | 0.3828% | 4,647 |
| Noninterest expense to average assets | 2.4009% | 5,047 |
| Loan and lease loss provision to assets | 0.3815% | 838 |
| Net operating income to assets | 0.7255% | 3,691 |
| Return on assets (ROA) | 0.7255% | 3,858 |
| Pretax return on assets | 0.9827% | 3,589 |
| Return on Equity (ROE) | 6.2808% | 4,001 |
| Retained earnings to average equity (ytd only) | 4.6864% | 3,271 |
| Net charge-offs to loans | 0.6804% | 971 |
| Credit loss provision to net charge-offs | 95.5519% | 2,325 |
| Earnings coverage of net charge-offs (x) | 3.4168% | 3,390 |
| Efficiency ratio | 63.7666% | 4,903 |
| Assets per employee ($millions) | 5.0693% | 2,031 |
| Cash dividends to net income (ytd only)* | 25.3853% | 2,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9827% | 5,888 |
| Loan loss allowance to noncurrent loans | 59.9529% | 4,799 |
| Noncurrent assets plus other real estate owned to assets | 1.1550% | 3,438 |
| Noncurrent loans to loans | 1.6392% | 2,859 |
| Net loans and leases to total assets | 59.0649% | 3,817 |
| Net loans and leases to deposits | 67.9530% | 4,020 |
| Net loans and leases to core deposits | 71.1804% | 4,150 |
| Total domestic deposits to total assets | 86.9202% | 2,866 |
| Equity capital to assets | 11.3921% | 2,388 |
| Core capital (leverage) ratio | 11.1414% | 2,222 |
| Tier 1 risk-based capital ratio | 20.5623% | 1,600 |
| Total risk-based capital ratio | 21.6390% | 1,610 |
| Memoranda: | ||
| Average total assets | $304,047,330 | 2,136 |
| Average earning assets | $289,731,000 | 2,057 |
| Average equity | $35,122,670 | 1,981 |
| Average total loans | $178,434,670 | 2,215 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9411% | 4,326 |
| Cost of funding earning assets | 0.4890% | 4,190 |
| Net interest margin | 3.4521% | 3,896 |
| Noninterest income to average assets | 0.3487% | 4,890 |
| Noninterest expense to average assets | 2.4172% | 5,071 |
| Loan and lease loss provision to assets | 0.1776% | 2,090 |
| Net operating income to assets | 0.8040% | 3,140 |
| Return on assets (ROA) | 0.8040% | 3,273 |
| Pretax return on assets | 1.0421% | 3,175 |
| Return on Equity (ROE) | 6.9120% | 3,536 |
| Retained earnings to average equity (ytd only) | 5.3282% | 3,043 |
| Net charge-offs to loans | 0.5629% | 1,082 |
| Credit loss provision to net charge-offs | 54.2169% | 2,543 |
| Earnings coverage of net charge-offs (x) | 3.7229% | 2,693 |
| Efficiency ratio | 66.4616% | 4,585 |
| Assets per employee ($millions) | 5.0733% | 2,129 |
| Cash dividends to net income (ytd only)* | 22.9133% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9512% | 6,129 |
| Loan loss allowance to noncurrent loans | 55.0649% | 4,928 |
| Noncurrent assets plus other real estate owned to assets | 1.3048% | 3,357 |
| Noncurrent loans to loans | 1.7274% | 2,957 |
| Net loans and leases to total assets | 57.0660% | 3,911 |
| Net loans and leases to deposits | 65.8565% | 4,071 |
| Net loans and leases to core deposits | 69.3035% | 4,156 |
| Total domestic deposits to total assets | 86.6521% | 3,154 |
| Equity capital to assets | 11.4763% | 2,432 |
| Core capital (leverage) ratio | 10.8973% | 2,351 |
| Tier 1 risk-based capital ratio | 20.5309% | 1,647 |
| Total risk-based capital ratio | 21.5641% | 1,669 |
| Memoranda: | ||
| Average total assets | $303,992,500 | 2,160 |
| Average earning assets | $289,563,500 | 2,082 |
| Average equity | $35,359,000 | 1,995 |
| Average total loans | $176,935,500 | 2,246 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1832% | 4,654 |
| Cost of funding earning assets | 0.5636% | 4,699 |
| Net interest margin | 3.6196% | 4,006 |
| Noninterest income to average assets | 0.4669% | 4,126 |
| Noninterest expense to average assets | 2.6303% | 4,643 |
| Loan and lease loss provision to assets | 0.1696% | 3,502 |
| Net operating income to assets | 0.8938% | 2,854 |
| Return on assets (ROA) | 0.8999% | 3,057 |
| Pretax return on assets | 1.1178% | 3,088 |
| Return on Equity (ROE) | 7.5755% | 3,305 |
| Retained earnings to average equity (ytd only) | 3.1865% | 3,983 |
| Net charge-offs to loans | 0.2850% | 3,236 |
| Credit loss provision to net charge-offs | 105.9957% | 2,804 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,494 |
| Efficiency ratio | 67.2683% | 4,274 |
| Assets per employee ($millions) | 5.2371% | 1,959 |
| Cash dividends to net income (ytd only)* | 57.9368% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0309% | 5,850 |
| Loan loss allowance to noncurrent loans | 37.0067% | 5,773 |
| Noncurrent assets plus other real estate owned to assets | 1.7021% | 2,846 |
| Noncurrent loans to loans | 2.7858% | 1,888 |
| Net loans and leases to total assets | 58.2091% | 3,940 |
| Net loans and leases to deposits | 67.5091% | 4,051 |
| Net loans and leases to core deposits | 71.4551% | 4,110 |
| Total domestic deposits to total assets | 86.2240% | 3,242 |
| Equity capital to assets | 11.7925% | 2,190 |
| Core capital (leverage) ratio | 11.2584% | 2,052 |
| Tier 1 risk-based capital ratio | 20.9464% | 1,476 |
| Total risk-based capital ratio | 22.0872% | 1,465 |
| Memoranda: | ||
| Average total assets | $291,908,000 | 2,187 |
| Average earning assets | $277,679,200 | 2,113 |
| Average equity | $34,677,600 | 1,999 |
| Average total loans | $163,883,000 | 2,373 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1910% | 4,847 |
| Cost of funding earning assets | 0.5782% | 4,851 |
| Net interest margin | 3.6128% | 4,181 |
| Noninterest income to average assets | 0.4474% | 4,315 |
| Noninterest expense to average assets | 2.6491% | 4,564 |
| Loan and lease loss provision to assets | 0.1585% | 3,528 |
| Net operating income to assets | 0.8678% | 3,143 |
| Return on assets (ROA) | 0.8760% | 3,344 |
| Pretax return on assets | 1.0854% | 3,405 |
| Return on Equity (ROE) | 7.3599% | 3,604 |
| Retained earnings to average equity (ytd only) | 1.9876% | 5,329 |
| Net charge-offs to loans | 0.2609% | 3,157 |
| Credit loss provision to net charge-offs | 109.5238% | 2,681 |
| Earnings coverage of net charge-offs (x) | 8.5270% | 2,434 |
| Efficiency ratio | 68.2243% | 4,012 |
| Assets per employee ($millions) | 5.4685% | 1,668 |
| Cash dividends to net income (ytd only)* | 72.9942% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0798% | 5,799 |
| Loan loss allowance to noncurrent loans | 35.9096% | 5,854 |
| Noncurrent assets plus other real estate owned to assets | 1.7325% | 3,010 |
| Noncurrent loans to loans | 3.0070% | 1,857 |
| Net loans and leases to total assets | 56.2139% | 4,414 |
| Net loans and leases to deposits | 65.3264% | 4,556 |
| Net loans and leases to core deposits | 69.2950% | 4,582 |
| Total domestic deposits to total assets | 86.0507% | 3,228 |
| Equity capital to assets | 11.8395% | 2,403 |
| Core capital (leverage) ratio | 11.1127% | 2,288 |
| Tier 1 risk-based capital ratio | 21.2201% | 1,471 |
| Total risk-based capital ratio | 22.3980% | 1,462 |
| Memoranda: | ||
| Average total assets | $290,257,000 | 2,229 |
| Average earning assets | $276,012,250 | 2,149 |
| Average equity | $34,546,500 | 2,021 |
| Average total loans | $160,961,000 | 2,441 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1897% | 4,987 |
| Cost of funding earning assets | 0.5847% | 5,028 |
| Net interest margin | 3.6051% | 4,241 |
| Noninterest income to average assets | 0.4643% | 4,171 |
| Noninterest expense to average assets | 2.6724% | 4,527 |
| Loan and lease loss provision to assets | 0.1629% | 3,476 |
| Net operating income to assets | 0.8437% | 3,175 |
| Return on assets (ROA) | 0.8559% | 3,377 |
| Pretax return on assets | 1.0715% | 3,411 |
| Return on Equity (ROE) | 7.1786% | 3,679 |
| Retained earnings to average equity (ytd only) | -0.1569% | 6,069 |
| Net charge-offs to loans | 0.3214% | 2,750 |
| Credit loss provision to net charge-offs | 92.1569% | 2,974 |
| Earnings coverage of net charge-offs (x) | 6.8980% | 2,564 |
| Efficiency ratio | 68.6732% | 4,006 |
| Assets per employee ($millions) | 4.9896% | 2,190 |
| Cash dividends to net income (ytd only)* | 102.1862% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0651% | 5,910 |
| Loan loss allowance to noncurrent loans | 40.9249% | 5,604 |
| Noncurrent assets plus other real estate owned to assets | 1.5086% | 3,439 |
| Noncurrent loans to loans | 2.6026% | 2,308 |
| Net loans and leases to total assets | 55.5650% | 4,533 |
| Net loans and leases to deposits | 64.4249% | 4,704 |
| Net loans and leases to core deposits | 68.3835% | 4,740 |
| Total domestic deposits to total assets | 86.2477% | 3,224 |
| Equity capital to assets | 11.6350% | 2,462 |
| Core capital (leverage) ratio | 11.0199% | 2,274 |
| Tier 1 risk-based capital ratio | 20.9320% | 1,493 |
| Total risk-based capital ratio | 22.0817% | 1,485 |
| Memoranda: | ||
| Average total assets | $288,576,330 | 2,244 |
| Average earning assets | $274,337,330 | 2,160 |
| Average equity | $34,408,000 | 2,009 |
| Average total loans | $158,677,670 | 2,479 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1442% | 5,300 |
| Cost of funding earning assets | 0.6051% | 5,085 |
| Net interest margin | 3.5391% | 4,526 |
| Noninterest income to average assets | 0.4677% | 4,161 |
| Noninterest expense to average assets | 2.7430% | 4,272 |
| Loan and lease loss provision to assets | 0.1050% | 4,028 |
| Net operating income to assets | 0.7575% | 3,585 |
| Return on assets (ROA) | 0.7575% | 3,823 |
| Pretax return on assets | 0.9773% | 3,760 |
| Return on Equity (ROE) | 6.2750% | 4,154 |
| Retained earnings to average equity (ytd only) | 4.7672% | 3,698 |
| Net charge-offs to loans | 0.0901% | 3,617 |
| Credit loss provision to net charge-offs | 214.2857% | 1,274 |
| Earnings coverage of net charge-offs (x) | 22.0857% | 1,139 |
| Efficiency ratio | 71.7057% | 3,494 |
| Assets per employee ($millions) | 4.9519% | 2,313 |
| Cash dividends to net income (ytd only)* | 24.0296% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1710% | 5,634 |
| Loan loss allowance to noncurrent loans | 42.3390% | 5,485 |
| Noncurrent assets plus other real estate owned to assets | 1.5817% | 3,485 |
| Noncurrent loans to loans | 2.7657% | 2,346 |
| Net loans and leases to total assets | 52.6052% | 4,935 |
| Net loans and leases to deposits | 61.1142% | 5,029 |
| Net loans and leases to core deposits | 64.7278% | 5,038 |
| Total domestic deposits to total assets | 86.0770% | 3,487 |
| Equity capital to assets | 11.8109% | 2,179 |
| Core capital (leverage) ratio | 11.1770% | 2,126 |
| Tier 1 risk-based capital ratio | 22.3572% | 1,232 |
| Total risk-based capital ratio | 23.6071% | 1,209 |
| Memoranda: | ||
| Average total assets | $285,671,000 | 2,281 |
| Average earning assets | $271,029,000 | 2,192 |
| Average equity | $34,486,000 | 2,005 |
| Average total loans | $155,348,000 | 2,552 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3875% | 5,476 |
| Cost of funding earning assets | 0.7766% | 5,028 |
| Net interest margin | 3.6108% | 4,688 |
| Noninterest income to average assets | 0.4808% | 3,989 |
| Noninterest expense to average assets | 2.4139% | 5,734 |
| Loan and lease loss provision to assets | 0.1395% | 4,876 |
| Net operating income to assets | 1.0946% | 1,855 |
| Return on assets (ROA) | 1.0990% | 1,953 |
| Pretax return on assets | 1.3526% | 1,942 |
| Return on Equity (ROE) | 9.1380% | 2,392 |
| Retained earnings to average equity (ytd only) | 5.5436% | 2,272 |
| Net charge-offs to loans | 0.1831% | 4,684 |
| Credit loss provision to net charge-offs | 143.6567% | 2,018 |
| Earnings coverage of net charge-offs (x) | 15.3097% | 1,401 |
| Efficiency ratio | 61.8857% | 5,477 |
| Assets per employee ($millions) | 4.9853% | 2,220 |
| Cash dividends to net income (ytd only)* | 39.3340% | 2,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1483% | 5,633 |
| Loan loss allowance to noncurrent loans | 47.2303% | 5,169 |
| Noncurrent assets plus other real estate owned to assets | 1.4661% | 3,771 |
| Noncurrent loans to loans | 2.4313% | 2,702 |
| Net loans and leases to total assets | 54.9468% | 4,890 |
| Net loans and leases to deposits | 64.5207% | 4,935 |
| Net loans and leases to core deposits | 68.3628% | 4,983 |
| Total domestic deposits to total assets | 85.1615% | 3,762 |
| Equity capital to assets | 12.3451% | 1,884 |
| Core capital (leverage) ratio | 11.5263% | 1,871 |
| Tier 1 risk-based capital ratio | 22.5860% | 1,149 |
| Total risk-based capital ratio | 23.8359% | 1,130 |
| Memoranda: | ||
| Average total assets | $275,982,000 | 2,294 |
| Average earning assets | $261,381,000 | 2,228 |
| Average equity | $33,191,200 | 2,006 |
| Average total loans | $146,383,200 | 2,691 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3651% | 5,724 |
| Cost of funding earning assets | 0.8125% | 5,070 |
| Net interest margin | 3.5526% | 4,969 |
| Noninterest income to average assets | 0.4966% | 3,892 |
| Noninterest expense to average assets | 2.4051% | 5,754 |
| Loan and lease loss provision to assets | 0.1686% | 4,361 |
| Net operating income to assets | 1.0359% | 2,193 |
| Return on assets (ROA) | 1.0398% | 2,333 |
| Pretax return on assets | 1.2917% | 2,313 |
| Return on Equity (ROE) | 8.7040% | 2,742 |
| Retained earnings to average equity (ytd only) | 7.2399% | 1,844 |
| Net charge-offs to loans | 0.1979% | 4,215 |
| Credit loss provision to net charge-offs | 162.6168% | 1,885 |
| Earnings coverage of net charge-offs (x) | 14.0372% | 1,560 |
| Efficiency ratio | 62.2992% | 5,367 |
| Assets per employee ($millions) | 4.8954% | 2,333 |
| Cash dividends to net income (ytd only)* | 16.8220% | 3,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1847% | 5,529 |
| Loan loss allowance to noncurrent loans | 38.5060% | 5,720 |
| Noncurrent assets plus other real estate owned to assets | 1.7039% | 3,533 |
| Noncurrent loans to loans | 3.0766% | 2,254 |
| Net loans and leases to total assets | 52.8496% | 5,341 |
| Net loans and leases to deposits | 61.8502% | 5,419 |
| Net loans and leases to core deposits | 65.2034% | 5,501 |
| Total domestic deposits to total assets | 85.4478% | 3,525 |
| Equity capital to assets | 12.1869% | 2,113 |
| Core capital (leverage) ratio | 11.5395% | 1,997 |
| Tier 1 risk-based capital ratio | 22.7660% | 1,179 |
| Total risk-based capital ratio | 24.0166% | 1,155 |
| Memoranda: | ||
| Average total assets | $275,182,750 | 2,317 |
| Average earning assets | $260,576,000 | 2,241 |
| Average equity | $32,872,750 | 2,019 |
| Average total loans | $144,183,500 | 2,743 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3533% | 5,839 |
| Cost of funding earning assets | 0.8629% | 4,965 |
| Net interest margin | 3.4904% | 5,203 |
| Noninterest income to average assets | 0.4951% | 3,906 |
| Noninterest expense to average assets | 2.3521% | 5,988 |
| Loan and lease loss provision to assets | 0.1763% | 4,160 |
| Net operating income to assets | 1.0309% | 2,102 |
| Return on assets (ROA) | 1.0321% | 2,194 |
| Pretax return on assets | 1.2782% | 2,213 |
| Return on Equity (ROE) | 8.7008% | 2,638 |
| Retained earnings to average equity (ytd only) | 7.2083% | 1,783 |
| Net charge-offs to loans | 0.2302% | 3,744 |
| Credit loss provision to net charge-offs | 147.2393% | 2,078 |
| Earnings coverage of net charge-offs (x) | 12.1350% | 1,649 |
| Efficiency ratio | 61.8147% | 5,610 |
| Assets per employee ($millions) | 4.9470% | 2,207 |
| Cash dividends to net income (ytd only)* | 17.1530% | 2,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1921% | 5,580 |
| Loan loss allowance to noncurrent loans | 51.4016% | 4,935 |
| Noncurrent assets plus other real estate owned to assets | 1.2836% | 4,331 |
| Noncurrent loans to loans | 2.3193% | 3,072 |
| Net loans and leases to total assets | 52.1178% | 5,550 |
| Net loans and leases to deposits | 61.3178% | 5,576 |
| Net loans and leases to core deposits | 64.6404% | 5,656 |
| Total domestic deposits to total assets | 84.9962% | 3,879 |
| Equity capital to assets | 12.0669% | 2,050 |
| Core capital (leverage) ratio | 11.3875% | 1,989 |
| Tier 1 risk-based capital ratio | 23.2450% | 1,086 |
| Total risk-based capital ratio | 24.4954% | 1,067 |
| Memoranda: | ||
| Average total assets | $272,265,000 | 2,349 |
| Average earning assets | $258,193,330 | 2,270 |
| Average equity | $32,296,000 | 2,044 |
| Average total loans | $141,625,330 | 2,809 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3444% | 5,875 |
| Cost of funding earning assets | 0.9201% | 4,776 |
| Net interest margin | 3.4243% | 5,324 |
| Noninterest income to average assets | 0.4891% | 3,975 |
| Noninterest expense to average assets | 2.2410% | 6,323 |
| Loan and lease loss provision to assets | 0.1704% | 3,924 |
| Net operating income to assets | 1.0902% | 1,871 |
| Return on assets (ROA) | 1.0938% | 1,906 |
| Pretax return on assets | 1.3309% | 1,939 |
| Return on Equity (ROE) | 9.3036% | 2,346 |
| Retained earnings to average equity (ytd only) | 7.7909% | 1,813 |
| Net charge-offs to loans | 0.2038% | 3,288 |
| Credit loss provision to net charge-offs | 161.9718% | 1,786 |
| Earnings coverage of net charge-offs (x) | 14.2254% | 1,383 |
| Efficiency ratio | 59.9524% | 5,985 |
| Assets per employee ($millions) | 4.9150% | 2,276 |
| Cash dividends to net income (ytd only)* | 16.2602% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2061% | 5,603 |
| Loan loss allowance to noncurrent loans | 45.8054% | 5,260 |
| Noncurrent assets plus other real estate owned to assets | 1.3555% | 4,260 |
| Noncurrent loans to loans | 2.6332% | 2,867 |
| Net loans and leases to total assets | 50.8580% | 5,730 |
| Net loans and leases to deposits | 59.1350% | 5,807 |
| Net loans and leases to core deposits | 61.8866% | 5,939 |
| Total domestic deposits to total assets | 86.0032% | 3,527 |
| Equity capital to assets | 11.6985% | 2,123 |
| Core capital (leverage) ratio | 11.2229% | 2,016 |
| Tier 1 risk-based capital ratio | 23.4003% | 1,040 |
| Total risk-based capital ratio | 24.6510% | 1,026 |
| Memoranda: | ||
| Average total assets | $269,882,500 | 2,393 |
| Average earning assets | $256,052,000 | 2,304 |
| Average equity | $31,729,500 | 2,067 |
| Average total loans | $139,376,000 | 2,900 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6339% | 6,007 |
| Cost of funding earning assets | 1.1150% | 5,049 |
| Net interest margin | 3.5188% | 5,168 |
| Noninterest income to average assets | 0.5323% | 3,937 |
| Noninterest expense to average assets | 2.6573% | 5,187 |
| Loan and lease loss provision to assets | 0.1358% | 5,812 |
| Net operating income to assets | 0.8873% | 2,440 |
| Return on assets (ROA) | 0.9188% | 2,446 |
| Pretax return on assets | 1.1178% | 2,514 |
| Return on Equity (ROE) | 7.6336% | 2,836 |
| Retained earnings to average equity (ytd only) | 4.1424% | 2,951 |
| Net charge-offs to loans | 0.2085% | 5,044 |
| Credit loss provision to net charge-offs | 125.0000% | 3,271 |
| Earnings coverage of net charge-offs (x) | 11.1857% | 1,629 |
| Efficiency ratio | 68.6204% | 4,437 |
| Assets per employee ($millions) | 4.7236% | 2,530 |
| Cash dividends to net income (ytd only)* | 45.7348% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2148% | 5,443 |
| Loan loss allowance to noncurrent loans | 56.1173% | 4,653 |
| Noncurrent assets plus other real estate owned to assets | 1.1216% | 4,769 |
| Noncurrent loans to loans | 2.1647% | 3,353 |
| Net loans and leases to total assets | 51.1848% | 6,026 |
| Net loans and leases to deposits | 59.7704% | 6,080 |
| Net loans and leases to core deposits | 62.5692% | 6,187 |
| Total domestic deposits to total assets | 85.6357% | 3,531 |
| Equity capital to assets | 11.8175% | 2,028 |
| Core capital (leverage) ratio | 11.3507% | 1,924 |
| Tier 1 risk-based capital ratio | 23.8562% | 947 |
| Total risk-based capital ratio | 25.1069% | 927 |
| Memoranda: | ||
| Average total assets | $257,738,000 | 2,473 |
| Average earning assets | $244,655,200 | 2,384 |
| Average equity | $31,020,800 | 2,115 |
| Average total loans | $134,292,600 | 3,049 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6565% | 6,165 |
| Cost of funding earning assets | 1.1537% | 5,124 |
| Net interest margin | 3.5028% | 5,281 |
| Noninterest income to average assets | 0.5207% | 4,025 |
| Noninterest expense to average assets | 2.7110% | 4,831 |
| Loan and lease loss provision to assets | 0.1276% | 5,746 |
| Net operating income to assets | 0.8409% | 2,843 |
| Return on assets (ROA) | 0.8842% | 2,818 |
| Pretax return on assets | 1.0587% | 2,969 |
| Return on Equity (ROE) | 7.3122% | 3,201 |
| Retained earnings to average equity (ytd only) | 5.7576% | 2,509 |
| Net charge-offs to loans | 0.1766% | 4,898 |
| Credit loss provision to net charge-offs | 138.4181% | 2,881 |
| Earnings coverage of net charge-offs (x) | 12.3109% | 1,698 |
| Efficiency ratio | 70.4942% | 3,973 |
| Assets per employee ($millions) | 4.7180% | 2,568 |
| Cash dividends to net income (ytd only)* | 21.2603% | 2,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2086% | 5,455 |
| Loan loss allowance to noncurrent loans | 88.1293% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 0.7142% | 5,680 |
| Noncurrent loans to loans | 1.3714% | 4,564 |
| Net loans and leases to total assets | 51.4515% | 6,164 |
| Net loans and leases to deposits | 60.4494% | 6,275 |
| Net loans and leases to core deposits | 62.8057% | 6,391 |
| Total domestic deposits to total assets | 85.1150% | 3,563 |
| Equity capital to assets | 12.2299% | 2,022 |
| Core capital (leverage) ratio | 11.8139% | 1,757 |
| Tier 1 risk-based capital ratio | 23.9104% | 960 |
| Total risk-based capital ratio | 25.1547% | 931 |
| Memoranda: | ||
| Average total assets | $256,041,500 | 2,529 |
| Average earning assets | $243,040,000 | 2,435 |
| Average equity | $30,961,000 | 2,136 |
| Average total loans | $133,600,500 | 3,106 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7468% | 5,986 |
| Cost of funding earning assets | 1.2041% | 5,107 |
| Net interest margin | 3.5426% | 5,079 |
| Noninterest income to average assets | 0.5400% | 3,793 |
| Noninterest expense to average assets | 2.8959% | 4,094 |
| Loan and lease loss provision to assets | 0.1421% | 5,474 |
| Net operating income to assets | 0.7435% | 3,224 |
| Return on assets (ROA) | 0.8093% | 3,074 |
| Pretax return on assets | 0.9474% | 3,320 |
| Return on Equity (ROE) | 6.7190% | 3,434 |
| Retained earnings to average equity (ytd only) | 5.1392% | 2,822 |
| Net charge-offs to loans | 0.2238% | 4,257 |
| Credit loss provision to net charge-offs | 121.6216% | 3,330 |
| Earnings coverage of net charge-offs (x) | 8.6622% | 2,111 |
| Efficiency ratio | 74.1010% | 3,458 |
| Assets per employee ($millions) | 4.6101% | 2,710 |
| Cash dividends to net income (ytd only)* | 23.5122% | 2,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2140% | 5,379 |
| Loan loss allowance to noncurrent loans | 85.0941% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 0.7406% | 5,638 |
| Noncurrent loans to loans | 1.4267% | 4,573 |
| Net loans and leases to total assets | 51.2813% | 6,281 |
| Net loans and leases to deposits | 60.1627% | 6,394 |
| Net loans and leases to core deposits | 61.9324% | 6,557 |
| Total domestic deposits to total assets | 85.2378% | 3,496 |
| Equity capital to assets | 12.0930% | 2,048 |
| Core capital (leverage) ratio | 11.7434% | 1,783 |
| Tier 1 risk-based capital ratio | 24.2181% | 923 |
| Total risk-based capital ratio | 25.4579% | 900 |
| Memoranda: | ||
| Average total assets | $253,320,000 | 2,569 |
| Average earning assets | $240,837,330 | 2,471 |
| Average equity | $30,510,670 | 2,160 |
| Average total loans | $132,267,000 | 3,163 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7080% | 6,215 |
| Cost of funding earning assets | 1.2875% | 4,887 |
| Net interest margin | 3.4205% | 5,497 |
| Noninterest income to average assets | 0.5325% | 3,794 |
| Noninterest expense to average assets | 2.5572% | 5,528 |
| Loan and lease loss provision to assets | 0.1802% | 4,722 |
| Net operating income to assets | 0.7630% | 3,143 |
| Return on assets (ROA) | 0.8689% | 2,761 |
| Pretax return on assets | 1.1973% | 2,369 |
| Return on Equity (ROE) | 7.2291% | 3,231 |
| Retained earnings to average equity (ytd only) | 5.6374% | 2,790 |
| Net charge-offs to loans | 0.2009% | 3,705 |
| Credit loss provision to net charge-offs | 171.2121% | 2,124 |
| Earnings coverage of net charge-offs (x) | 11.7121% | 1,626 |
| Efficiency ratio | 67.4800% | 4,821 |
| Assets per employee ($millions) | 4.5157% | 2,927 |
| Cash dividends to net income (ytd only)* | 22.0183% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2406% | 5,276 |
| Loan loss allowance to noncurrent loans | 118.4704% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 0.8155% | 5,525 |
| Noncurrent loans to loans | 1.0471% | 5,251 |
| Net loans and leases to total assets | 50.7852% | 6,393 |
| Net loans and leases to deposits | 60.5271% | 6,412 |
| Net loans and leases to core deposits | 62.4581% | 6,563 |
| Total domestic deposits to total assets | 83.9048% | 4,186 |
| Equity capital to assets | 11.7446% | 2,203 |
| Core capital (leverage) ratio | 11.6283% | 1,842 |
| Tier 1 risk-based capital ratio | 24.2872% | 937 |
| Total risk-based capital ratio | 25.5383% | 918 |
| Memoranda: | ||
| Average total assets | $250,897,000 | 2,642 |
| Average earning assets | $238,912,500 | 2,545 |
| Average equity | $30,156,000 | 2,207 |
| Average total loans | $131,391,500 | 3,234 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3104% | 5,124 |
| Cost of funding earning assets | 1.6420% | 4,836 |
| Net interest margin | 3.6684% | 4,262 |
| Noninterest income to average assets | 0.5747% | 3,822 |
| Noninterest expense to average assets | 2.7986% | 4,982 |
| Loan and lease loss provision to assets | 0.2000% | 5,741 |
| Net operating income to assets | 0.8912% | 2,211 |
| Return on assets (ROA) | 0.9244% | 2,161 |
| Pretax return on assets | 1.0918% | 2,279 |
| Return on Equity (ROE) | 7.2928% | 2,666 |
| Retained earnings to average equity (ytd only) | 3.6261% | 2,643 |
| Net charge-offs to loans | 0.2970% | 4,776 |
| Credit loss provision to net charge-offs | 121.9895% | 4,341 |
| Earnings coverage of net charge-offs (x) | 7.6414% | 2,109 |
| Efficiency ratio | 69.0784% | 4,812 |
| Assets per employee ($millions) | 4.2877% | 3,286 |
| Cash dividends to net income (ytd only)* | 50.2786% | 2,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2229% | 5,225 |
| Loan loss allowance to noncurrent loans | 122.7868% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 0.5315% | 6,126 |
| Noncurrent loans to loans | 0.9960% | 5,324 |
| Net loans and leases to total assets | 52.7119% | 6,341 |
| Net loans and leases to deposits | 62.2090% | 6,442 |
| Net loans and leases to core deposits | 70.1269% | 6,764 |
| Total domestic deposits to total assets | 84.7336% | 3,692 |
| Equity capital to assets | 12.3085% | 1,852 |
| Core capital (leverage) ratio | 12.4565% | 1,475 |
| Tier 1 risk-based capital ratio | 24.0169% | 947 |
| Total risk-based capital ratio | 25.2557% | 925 |
| Memoranda: | ||
| Average total assets | $233,007,400 | 2,788 |
| Average earning assets | $220,831,600 | 2,695 |
| Average equity | $29,536,000 | 2,263 |
| Average total loans | $128,601,200 | 3,295 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2995% | 5,427 |
| Cost of funding earning assets | 1.6860% | 4,971 |
| Net interest margin | 3.6135% | 4,428 |
| Noninterest income to average assets | 0.5411% | 4,149 |
| Noninterest expense to average assets | 2.7059% | 5,299 |
| Loan and lease loss provision to assets | 0.1807% | 5,557 |
| Net operating income to assets | 0.9106% | 2,388 |
| Return on assets (ROA) | 0.9170% | 2,429 |
| Pretax return on assets | 1.0850% | 2,626 |
| Return on Equity (ROE) | 7.1791% | 2,991 |
| Retained earnings to average equity (ytd only) | 5.5419% | 2,179 |
| Net charge-offs to loans | 0.2840% | 4,257 |
| Credit loss provision to net charge-offs | 114.2857% | 4,440 |
| Earnings coverage of net charge-offs (x) | 7.9561% | 2,326 |
| Efficiency ratio | 68.2595% | 4,915 |
| Assets per employee ($millions) | 4.3173% | 3,178 |
| Cash dividends to net income (ytd only)* | 22.8048% | 3,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1794% | 5,228 |
| Loan loss allowance to noncurrent loans | 117.5133% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 0.7900% | 5,536 |
| Noncurrent loans to loans | 1.0036% | 5,300 |
| Net loans and leases to total assets | 53.7176% | 6,417 |
| Net loans and leases to deposits | 63.6944% | 6,521 |
| Net loans and leases to core deposits | 72.9949% | 6,781 |
| Total domestic deposits to total assets | 84.3365% | 3,557 |
| Equity capital to assets | 12.6916% | 1,836 |
| Core capital (leverage) ratio | 12.7328% | 1,484 |
| Tier 1 risk-based capital ratio | 24.3584% | 968 |
| Total risk-based capital ratio | 25.6082% | 946 |
| Memoranda: | ||
| Average total assets | $230,159,250 | 2,844 |
| Average earning assets | $218,029,250 | 2,749 |
| Average equity | $29,399,500 | 2,295 |
| Average total loans | $128,145,750 | 3,337 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3570% | 5,370 |
| Cost of funding earning assets | 1.7343% | 5,095 |
| Net interest margin | 3.6227% | 4,271 |
| Noninterest income to average assets | 0.5285% | 4,202 |
| Noninterest expense to average assets | 2.7487% | 5,184 |
| Loan and lease loss provision to assets | 0.1458% | 5,615 |
| Net operating income to assets | 0.9023% | 2,449 |
| Return on assets (ROA) | 0.9121% | 2,505 |
| Pretax return on assets | 1.0756% | 2,714 |
| Return on Equity (ROE) | 7.1243% | 3,154 |
| Retained earnings to average equity (ytd only) | 5.4606% | 2,265 |
| Net charge-offs to loans | 0.3180% | 3,597 |
| Credit loss provision to net charge-offs | 81.6832% | 5,146 |
| Earnings coverage of net charge-offs (x) | 6.7772% | 2,548 |
| Efficiency ratio | 69.4351% | 4,893 |
| Assets per employee ($millions) | 3.9547% | 3,762 |
| Cash dividends to net income (ytd only)* | 23.3527% | 3,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1575% | 5,219 |
| Loan loss allowance to noncurrent loans | 75.0891% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 1.0350% | 4,900 |
| Noncurrent loans to loans | 1.5415% | 4,188 |
| Net loans and leases to total assets | 54.8748% | 6,353 |
| Net loans and leases to deposits | 65.2509% | 6,459 |
| Net loans and leases to core deposits | 74.1182% | 6,784 |
| Total domestic deposits to total assets | 84.0981% | 3,711 |
| Equity capital to assets | 12.7738% | 1,803 |
| Core capital (leverage) ratio | 12.6666% | 1,553 |
| Tier 1 risk-based capital ratio | 25.0641% | 931 |
| Total risk-based capital ratio | 26.3145% | 914 |
| Memoranda: | ||
| Average total assets | $226,290,330 | 2,899 |
| Average earning assets | $214,261,330 | 2,816 |
| Average equity | $28,971,330 | 2,337 |
| Average total loans | $127,054,000 | 3,399 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3840% | 5,507 |
| Cost of funding earning assets | 1.8185% | 5,029 |
| Net interest margin | 3.5655% | 4,462 |
| Noninterest income to average assets | 0.4770% | 4,535 |
| Noninterest expense to average assets | 2.6892% | 5,056 |
| Loan and lease loss provision to assets | 0.1477% | 5,049 |
| Net operating income to assets | 0.8353% | 2,972 |
| Return on assets (ROA) | 0.8543% | 3,048 |
| Pretax return on assets | 1.0412% | 3,197 |
| Return on Equity (ROE) | 6.6650% | 3,731 |
| Retained earnings to average equity (ytd only) | 4.9988% | 3,132 |
| Net charge-offs to loans | 0.3656% | 2,634 |
| Credit loss provision to net charge-offs | 71.5517% | 4,327 |
| Earnings coverage of net charge-offs (x) | 5.6466% | 2,634 |
| Efficiency ratio | 69.7599% | 4,631 |
| Assets per employee ($millions) | 3.9053% | 3,856 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1749% | 4,965 |
| Loan loss allowance to noncurrent loans | 92.5485% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 0.8715% | 5,008 |
| Noncurrent loans to loans | 1.2695% | 4,446 |
| Net loans and leases to total assets | 53.9557% | 6,471 |
| Net loans and leases to deposits | 64.0416% | 6,558 |
| Net loans and leases to core deposits | 72.8533% | 6,872 |
| Total domestic deposits to total assets | 84.2510% | 3,581 |
| Equity capital to assets | 12.6007% | 1,927 |
| Core capital (leverage) ratio | 12.6928% | 1,608 |
| Tier 1 risk-based capital ratio | 24.7797% | 1,000 |
| Total risk-based capital ratio | 26.0304% | 974 |
| Memoranda: | ||
| Average total assets | $224,748,000 | 2,935 |
| Average earning assets | $212,927,000 | 2,845 |
| Average equity | $28,807,000 | 2,361 |
| Average total loans | $126,909,500 | 3,425 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8057% | 6,405 |
| Cost of funding earning assets | 2.0625% | 6,189 |
| Net interest margin | 3.7432% | 4,257 |
| Noninterest income to average assets | 0.6620% | 3,392 |
| Noninterest expense to average assets | 2.7518% | 5,039 |
| Loan and lease loss provision to assets | 0.1647% | 5,278 |
| Net operating income to assets | 1.0363% | 2,411 |
| Return on assets (ROA) | 1.0367% | 2,301 |
| Pretax return on assets | 1.2746% | 2,392 |
| Return on Equity (ROE) | 8.0621% | 3,050 |
| Retained earnings to average equity (ytd only) | 4.1840% | 2,519 |
| Net charge-offs to loans | 0.2227% | 4,001 |
| Credit loss provision to net charge-offs | 127.2085% | 4,195 |
| Earnings coverage of net charge-offs (x) | 11.1131% | 2,413 |
| Efficiency ratio | 65.6659% | 5,197 |
| Assets per employee ($millions) | 3.7773% | 4,010 |
| Cash dividends to net income (ytd only)* | 48.1024% | 3,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1803% | 4,705 |
| Loan loss allowance to noncurrent loans | 87.9511% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.9718% | 4,405 |
| Noncurrent loans to loans | 1.3420% | 3,833 |
| Net loans and leases to total assets | 57.7449% | 6,242 |
| Net loans and leases to deposits | 69.1478% | 6,357 |
| Net loans and leases to core deposits | 78.1922% | 6,742 |
| Total domestic deposits to total assets | 83.5093% | 3,570 |
| Equity capital to assets | 13.0454% | 1,765 |
| Core capital (leverage) ratio | 12.7121% | 1,658 |
| Tier 1 risk-based capital ratio | 24.6284% | 1,019 |
| Total risk-based capital ratio | 25.8795% | 994 |
| Memoranda: | ||
| Average total assets | $218,584,200 | 2,891 |
| Average earning assets | $206,056,000 | 2,819 |
| Average equity | $28,106,800 | 2,402 |
| Average total loans | $127,067,200 | 3,316 |