Home > The Security National Bank of Enid > Performance and Condition Ratios
The Security National Bank of Enid, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5457% | 3,833 |
| Cost of funding earning assets | 1.9184% | 2,151 |
| Net interest margin | 2.6274% | 3,920 |
| Noninterest income to average assets | 0.2800% | 3,001 |
| Noninterest expense to average assets | 1.5824% | 4,161 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.1668% | 1,810 |
| Return on assets (ROA) | 1.1668% | 1,810 |
| Pretax return on assets | 1.1996% | 2,250 |
| Return on Equity (ROE) | 15.0100% | 1,065 |
| Retained earnings to average equity (ytd only) | 5.1334% | 2,529 |
| Net charge-offs to loans | -0.0072% | 3,835 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 56.8801% | 3,320 |
| Assets per employee ($millions) | 9.5056% | 935 |
| Cash dividends to net income (ytd only)* | 65.7895% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3838% | 1,358 |
| Loan loss allowance to noncurrent loans | 398.3397% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.1961% | 2,525 |
| Noncurrent loans to loans | 0.3474% | 2,263 |
| Net loans and leases to total assets | 55.6800% | 3,225 |
| Net loans and leases to deposits | 60.5361% | 3,468 |
| Net loans and leases to core deposits | 72.3529% | 3,174 |
| Total domestic deposits to total assets | 91.9700% | 294 |
| Equity capital to assets | 7.8222% | 3,682 |
| Core capital (leverage) ratio | 8.8033% | 3,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3101% | 840 |
| Memoranda: | ||
| Average total assets | $390,803,500 | 2,099 |
| Average earning assets | $371,777,000 | 2,062 |
| Average equity | $30,389,500 | 2,409 |
| Average total loans | $222,016,000 | 2,277 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5376% | 3,833 |
| Cost of funding earning assets | 1.8752% | 2,524 |
| Net interest margin | 2.6623% | 3,686 |
| Noninterest income to average assets | 0.4100% | 2,407 |
| Noninterest expense to average assets | 1.6813% | 4,108 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.2747% | 1,351 |
| Return on assets (ROA) | 1.2747% | 1,356 |
| Pretax return on assets | 1.2987% | 1,760 |
| Return on Equity (ROE) | 16.8700% | 682 |
| Retained earnings to average equity (ytd only) | 1.9145% | 3,409 |
| Net charge-offs to loans | 0.1403% | 931 |
| Credit loss provision to net charge-offs | -6.1224% | 4,283 |
| Earnings coverage of net charge-offs (x) | 16.6122% | 1,970 |
| Efficiency ratio | 56.4201% | 3,518 |
| Assets per employee ($millions) | 8.8923% | 1,097 |
| Cash dividends to net income (ytd only)* | 88.6525% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4248% | 1,230 |
| Loan loss allowance to noncurrent loans | 465.6203% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 0.1750% | 2,561 |
| Noncurrent loans to loans | 0.3060% | 2,351 |
| Net loans and leases to total assets | 56.3600% | 3,239 |
| Net loans and leases to deposits | 61.1693% | 3,480 |
| Net loans and leases to core deposits | 70.0324% | 3,352 |
| Total domestic deposits to total assets | 92.1400% | 277 |
| Equity capital to assets | 7.7281% | 3,653 |
| Core capital (leverage) ratio | 8.9758% | 3,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1255% | 876 |
| Memoranda: | ||
| Average total assets | $376,076,800 | 2,118 |
| Average earning assets | $363,103,200 | 2,058 |
| Average equity | $28,415,200 | 2,447 |
| Average total loans | $209,601,200 | 2,296 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4889% | 3,851 |
| Cost of funding earning assets | 1.8494% | 2,598 |
| Net interest margin | 2.6395% | 3,702 |
| Noninterest income to average assets | 0.4400% | 2,183 |
| Noninterest expense to average assets | 1.6633% | 4,117 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.3287% | 1,261 |
| Return on assets (ROA) | 1.3287% | 1,260 |
| Pretax return on assets | 1.3550% | 1,631 |
| Return on Equity (ROE) | 17.6900% | 623 |
| Retained earnings to average equity (ytd only) | 3.4693% | 3,022 |
| Net charge-offs to loans | -0.0096% | 3,992 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 55.1073% | 3,623 |
| Assets per employee ($millions) | 8.6901% | 1,191 |
| Cash dividends to net income (ytd only)* | 80.3859% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6285% | 793 |
| Loan loss allowance to noncurrent loans | 344.8898% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.2671% | 2,166 |
| Noncurrent loans to loans | 0.4722% | 1,899 |
| Net loans and leases to total assets | 55.6400% | 3,286 |
| Net loans and leases to deposits | 60.7875% | 3,547 |
| Net loans and leases to core deposits | 69.6345% | 3,410 |
| Total domestic deposits to total assets | 91.5400% | 257 |
| Equity capital to assets | 8.1807% | 3,602 |
| Core capital (leverage) ratio | 8.8664% | 3,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8557% | 810 |
| Memoranda: | ||
| Average total assets | $374,503,500 | 2,111 |
| Average earning assets | $365,510,750 | 2,052 |
| Average equity | $28,131,500 | 2,458 |
| Average total loans | $207,343,000 | 2,301 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 83,607.0000% | 19 |
| Cost of funding earning assets | 0.0000% | 4,464 |
| Net interest margin | 0.0000% | 4,497 |
| Noninterest income to average assets | 0.0000% | 4,488 |
| Noninterest expense to average assets | 0.0000% | 4,517 |
| Loan and lease loss provision to assets | NA | NA |
| Net operating income to assets | NA | NA |
| Return on assets (ROA) | 1.4115% | 1,063 |
| Pretax return on assets | 1.4430% | 1,391 |
| Return on Equity (ROE) | 19.3600% | 490 |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,835 |
| Net charge-offs to loans | 1.0000% | 132 |
| Credit loss provision to net charge-offs | 2.0000% | 1,989 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 1,995 |
| Efficiency ratio | 0.0000% | 4,529 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.2014% | 2,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1,294.0000% | 24 |
| Loan loss allowance to noncurrent loans | 2,399.0000% | 397 |
| Noncurrent assets plus other real estate owned to assets | NA | NA |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | NA | NA |
| Net loans and leases to deposits | 0.0000% | 4,441 |
| Net loans and leases to core deposits | 0.0027% | 4,441 |
| Total domestic deposits to total assets | 1.9914% | 4,450 |
| Equity capital to assets | 453,575.0000% | 8 |
| Core capital (leverage) ratio | 0.0000% | 4,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $169,000 | 4,550 |
| Average earning assets | $5,186 | 4,526 |
| Average equity | $0 | 4,494 |
| Average total loans | NA | NA |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3252% | 3,932 |
| Cost of funding earning assets | 1.7366% | 2,673 |
| Net interest margin | 2.5885% | 3,730 |
| Noninterest income to average assets | 0.6300% | 1,253 |
| Noninterest expense to average assets | 1.6416% | 4,152 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.4588% | 965 |
| Return on assets (ROA) | 1.4588% | 972 |
| Pretax return on assets | 1.5069% | 1,235 |
| Return on Equity (ROE) | 20.3400% | 420 |
| Retained earnings to average equity (ytd only) | 5.4381% | 2,282 |
| Net charge-offs to loans | 0.0059% | 1,892 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 470.0000% | 207 |
| Efficiency ratio | 52.1385% | 3,892 |
| Assets per employee ($millions) | 8.6878% | 1,139 |
| Cash dividends to net income (ytd only)* | 73.2601% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6629% | 737 |
| Loan loss allowance to noncurrent loans | 2,087.8049% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.0439% | 3,388 |
| Noncurrent loans to loans | 0.0796% | 3,221 |
| Net loans and leases to total assets | 54.2000% | 3,323 |
| Net loans and leases to deposits | 58.5702% | 3,593 |
| Net loans and leases to core deposits | 64.1820% | 3,587 |
| Total domestic deposits to total assets | 92.5400% | 243 |
| Equity capital to assets | 7.2414% | 3,794 |
| Core capital (leverage) ratio | 8.8737% | 3,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6373% | 981 |
| Memoranda: | ||
| Average total assets | $374,276,500 | 2,127 |
| Average earning assets | $364,842,500 | 2,059 |
| Average equity | $26,847,500 | 2,499 |
| Average total loans | $204,554,500 | 2,311 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8621% | 4,115 |
| Cost of funding earning assets | 1.2890% | 2,554 |
| Net interest margin | 2.5731% | 4,008 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 1.7164% | 4,117 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.1180% | 1,868 |
| Return on assets (ROA) | 1.1180% | 1,839 |
| Pretax return on assets | 1.1422% | 2,286 |
| Return on Equity (ROE) | 16.7200% | 986 |
| Retained earnings to average equity (ytd only) | 1.6225% | 3,672 |
| Net charge-offs to loans | -0.0842% | 4,468 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 60.0433% | 3,072 |
| Assets per employee ($millions) | 8.3328% | 1,261 |
| Cash dividends to net income (ytd only)* | 90.2962% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6865% | 684 |
| Loan loss allowance to noncurrent loans | 4,569.3333% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.0200% | 3,602 |
| Noncurrent loans to loans | 0.0369% | 3,471 |
| Net loans and leases to total assets | 53.2800% | 3,399 |
| Net loans and leases to deposits | 57.4320% | 3,649 |
| Net loans and leases to core deposits | 62.4388% | 3,659 |
| Total domestic deposits to total assets | 92.7600% | 199 |
| Equity capital to assets | 7.1052% | 3,900 |
| Core capital (leverage) ratio | 9.2877% | 3,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8558% | 951 |
| Memoranda: | ||
| Average total assets | $371,477,200 | 2,112 |
| Average earning assets | $363,142,800 | 2,029 |
| Average equity | $24,837,600 | 2,532 |
| Average total loans | $201,949,800 | 2,273 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8430% | 4,067 |
| Cost of funding earning assets | 1.2143% | 2,388 |
| Net interest margin | 2.6287% | 3,985 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 1.7208% | 4,094 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1714% | 1,878 |
| Return on assets (ROA) | 1.1714% | 1,858 |
| Pretax return on assets | 1.1977% | 2,302 |
| Return on Equity (ROE) | 17.8000% | 973 |
| Retained earnings to average equity (ytd only) | 2.7665% | 3,564 |
| Net charge-offs to loans | -0.1184% | 4,517 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.9620% | 3,090 |
| Assets per employee ($millions) | 7.4479% | 1,674 |
| Cash dividends to net income (ytd only)* | 84.4595% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7394% | 654 |
| Loan loss allowance to noncurrent loans | 2,705.5118% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.0363% | 3,437 |
| Noncurrent loans to loans | 0.0643% | 3,294 |
| Net loans and leases to total assets | 55.4500% | 3,253 |
| Net loans and leases to deposits | 59.7365% | 3,518 |
| Net loans and leases to core deposits | 65.7123% | 3,446 |
| Total domestic deposits to total assets | 92.8200% | 326 |
| Equity capital to assets | 6.9007% | 3,661 |
| Core capital (leverage) ratio | 9.2321% | 3,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9496% | 820 |
| Memoranda: | ||
| Average total assets | $370,602,000 | 2,121 |
| Average earning assets | $362,452,250 | 2,035 |
| Average equity | $24,386,250 | 2,539 |
| Average total loans | $201,636,500 | 2,276 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8130% | 4,001 |
| Cost of funding earning assets | 1.0917% | 2,301 |
| Net interest margin | 2.7213% | 3,942 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 1.7041% | 4,142 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2738% | 1,636 |
| Return on assets (ROA) | 1.2738% | 1,625 |
| Pretax return on assets | 1.3003% | 2,081 |
| Return on Equity (ROE) | 19.6500% | 745 |
| Retained earnings to average equity (ytd only) | 5.3469% | 2,840 |
| Net charge-offs to loans | -0.0453% | 4,352 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 56.7196% | 3,336 |
| Assets per employee ($millions) | 8.2495% | 1,209 |
| Cash dividends to net income (ytd only)* | 72.7953% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6447% | 848 |
| Loan loss allowance to noncurrent loans | 1,595.6522% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.0558% | 3,219 |
| Noncurrent loans to loans | 0.1031% | 2,974 |
| Net loans and leases to total assets | 53.2100% | 3,328 |
| Net loans and leases to deposits | 57.0533% | 3,585 |
| Net loans and leases to core deposits | 62.9559% | 3,499 |
| Total domestic deposits to total assets | 93.2600% | 216 |
| Equity capital to assets | 6.5442% | 3,982 |
| Core capital (leverage) ratio | 8.8757% | 3,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3881% | 903 |
| Memoranda: | ||
| Average total assets | $377,453,000 | 2,092 |
| Average earning assets | $369,157,333 | 2,014 |
| Average equity | $24,463,000 | 2,543 |
| Average total loans | $203,002,333 | 2,265 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6244% | 4,126 |
| Cost of funding earning assets | 0.9824% | 2,106 |
| Net interest margin | 2.6420% | 4,161 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 1.6714% | 4,226 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2162% | 1,892 |
| Return on assets (ROA) | 1.2162% | 1,852 |
| Pretax return on assets | 1.2530% | 2,293 |
| Return on Equity (ROE) | 18.8500% | 905 |
| Retained earnings to average equity (ytd only) | 6.6320% | 2,610 |
| Net charge-offs to loans | -0.0059% | 3,690 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 57.1531% | 3,284 |
| Assets per employee ($millions) | 8.4054% | 1,164 |
| Cash dividends to net income (ytd only)* | 64.8228% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6568% | 894 |
| Loan loss allowance to noncurrent loans | 680.1619% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.1306% | 2,604 |
| Noncurrent loans to loans | 0.2436% | 2,280 |
| Net loans and leases to total assets | 52.7300% | 3,296 |
| Net loans and leases to deposits | 56.5849% | 3,539 |
| Net loans and leases to core deposits | 60.0523% | 3,539 |
| Total domestic deposits to total assets | 93.1800% | 280 |
| Equity capital to assets | 6.6886% | 3,970 |
| Core capital (leverage) ratio | 8.6442% | 4,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6026% | 1,236 |
| Memoranda: | ||
| Average total assets | $380,516,000 | 2,100 |
| Average earning assets | $372,139,500 | 2,027 |
| Average equity | $24,547,500 | 2,567 |
| Average total loans | $204,092,500 | 2,277 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8915% | 4,246 |
| Cost of funding earning assets | 0.3046% | 2,835 |
| Net interest margin | 2.5869% | 4,195 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 1.6414% | 4,259 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1381% | 2,018 |
| Return on assets (ROA) | 1.1381% | 1,966 |
| Pretax return on assets | 1.2080% | 2,411 |
| Return on Equity (ROE) | 16.8000% | 898 |
| Retained earnings to average equity (ytd only) | 2.7374% | 3,789 |
| Net charge-offs to loans | 0.0685% | 965 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 34.4565% | 1,596 |
| Efficiency ratio | 57.6052% | 3,400 |
| Assets per employee ($millions) | 8.3215% | 1,179 |
| Cash dividends to net income (ytd only)* | 83.7054% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6345% | 911 |
| Loan loss allowance to noncurrent loans | 571.8910% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.1533% | 2,465 |
| Noncurrent loans to loans | 0.2858% | 2,122 |
| Net loans and leases to total assets | 52.7800% | 3,300 |
| Net loans and leases to deposits | 56.3065% | 3,558 |
| Net loans and leases to core deposits | 58.0730% | 3,611 |
| Total domestic deposits to total assets | 93.7300% | 273 |
| Equity capital to assets | 6.2165% | 4,012 |
| Core capital (leverage) ratio | 8.5685% | 4,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4986% | 1,235 |
| Memoranda: | ||
| Average total assets | $393,636,000 | 2,046 |
| Average earning assets | $383,744,800 | 1,972 |
| Average equity | $26,667,600 | 2,498 |
| Average total loans | $201,523,000 | 2,218 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6910% | 4,298 |
| Cost of funding earning assets | 0.1930% | 3,358 |
| Net interest margin | 2.4980% | 4,211 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 1.6699% | 4,205 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0233% | 2,393 |
| Return on assets (ROA) | 1.0233% | 2,367 |
| Pretax return on assets | 1.0953% | 2,738 |
| Return on Equity (ROE) | 14.8100% | 1,218 |
| Retained earnings to average equity (ytd only) | 2.6388% | 3,879 |
| Net charge-offs to loans | 0.0645% | 842 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 33.5670% | 1,466 |
| Efficiency ratio | 60.3893% | 3,067 |
| Assets per employee ($millions) | 8.2619% | 1,190 |
| Cash dividends to net income (ytd only)* | 82.1828% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6435% | 981 |
| Loan loss allowance to noncurrent loans | 467.4003% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.2900% | 1,792 |
| Noncurrent loans to loans | 0.3516% | 1,974 |
| Net loans and leases to total assets | 53.5100% | 3,145 |
| Net loans and leases to deposits | 57.1306% | 3,398 |
| Net loans and leases to core deposits | 58.2073% | 3,488 |
| Total domestic deposits to total assets | 93.6600% | 420 |
| Equity capital to assets | 6.1648% | 3,896 |
| Core capital (leverage) ratio | 8.4910% | 4,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0058% | 1,428 |
| Memoranda: | ||
| Average total assets | $396,347,750 | 2,056 |
| Average earning assets | $386,272,750 | 1,977 |
| Average equity | $27,385,500 | 2,494 |
| Average total loans | $200,557,000 | 2,225 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6183% | 4,258 |
| Cost of funding earning assets | 0.1313% | 3,826 |
| Net interest margin | 2.4870% | 4,102 |
| Noninterest income to average assets | 0.3251% | 3,223 |
| Noninterest expense to average assets | 1.5899% | 4,315 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0822% | 1,849 |
| Return on assets (ROA) | 1.0822% | 1,826 |
| Pretax return on assets | 1.1588% | 2,214 |
| Return on Equity (ROE) | 15.1475% | 864 |
| Retained earnings to average equity (ytd only) | 4.6962% | 2,817 |
| Net charge-offs to loans | 0.1229% | 505 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 19.0820% | 1,566 |
| Efficiency ratio | 57.8414% | 3,584 |
| Assets per employee ($millions) | 8.5050% | 1,066 |
| Cash dividends to net income (ytd only)* | 68.9972% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6688% | 1,016 |
| Loan loss allowance to noncurrent loans | 292.2877% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 0.3015% | 1,797 |
| Noncurrent loans to loans | 0.5709% | 1,483 |
| Net loans and leases to total assets | 51.9310% | 3,163 |
| Net loans and leases to deposits | 55.5906% | 3,412 |
| Net loans and leases to core deposits | 56.4727% | 3,525 |
| Total domestic deposits to total assets | 93.4169% | 412 |
| Equity capital to assets | 6.4493% | 4,036 |
| Core capital (leverage) ratio | 8.4470% | 3,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4660% | 1,310 |
| Memoranda: | ||
| Average total assets | $401,781,667 | 2,044 |
| Average earning assets | $391,549,000 | 1,976 |
| Average equity | $28,704,333 | 2,483 |
| Average total loans | $198,492,333 | 2,246 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3203% | 4,445 |
| Cost of funding earning assets | 0.1131% | 3,972 |
| Net interest margin | 2.2073% | 4,341 |
| Noninterest income to average assets | 0.3093% | 3,251 |
| Noninterest expense to average assets | 1.5249% | 4,394 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8714% | 2,409 |
| Return on assets (ROA) | 0.8714% | 2,398 |
| Pretax return on assets | 0.9297% | 2,663 |
| Return on Equity (ROE) | 11.6686% | 1,406 |
| Retained earnings to average equity (ytd only) | 5.1571% | 2,530 |
| Net charge-offs to loans | 0.1810% | 334 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 10.7416% | 1,455 |
| Efficiency ratio | 62.1236% | 3,246 |
| Assets per employee ($millions) | 9.0031% | 913 |
| Cash dividends to net income (ytd only)* | 55.8036% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7235% | 1,017 |
| Loan loss allowance to noncurrent loans | 290.8625% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.2890% | 1,963 |
| Noncurrent loans to loans | 0.5925% | 1,574 |
| Net loans and leases to total assets | 47.9382% | 3,393 |
| Net loans and leases to deposits | 51.6113% | 3,599 |
| Net loans and leases to core deposits | 52.3760% | 3,703 |
| Total domestic deposits to total assets | 92.8832% | 303 |
| Equity capital to assets | 7.0038% | 4,215 |
| Core capital (leverage) ratio | 7.8007% | 4,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2446% | 1,442 |
| Memoranda: | ||
| Average total assets | $411,310,000 | 2,014 |
| Average earning assets | $399,772,000 | 1,959 |
| Average equity | $30,715,000 | 2,447 |
| Average total loans | $196,675,500 | 2,251 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0164% | 3,846 |
| Cost of funding earning assets | 0.1396% | 4,071 |
| Net interest margin | 2.8768% | 3,496 |
| Noninterest income to average assets | 0.3350% | 3,411 |
| Noninterest expense to average assets | 1.5854% | 4,442 |
| Loan and lease loss provision to assets | 0.0708% | 1,669 |
| Net operating income to assets | 1.4016% | 1,273 |
| Return on assets (ROA) | 1.4016% | 1,327 |
| Pretax return on assets | 1.4623% | 1,845 |
| Return on Equity (ROE) | 16.1805% | 724 |
| Retained earnings to average equity (ytd only) | 2.7527% | 3,743 |
| Net charge-offs to loans | -0.0159% | 3,897 |
| Credit loss provision to net charge-offs | -875.0000% | 3,891 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8392% | 4,217 |
| Assets per employee ($millions) | 9.0757% | 897 |
| Cash dividends to net income (ytd only)* | 82.9876% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7856% | 891 |
| Loan loss allowance to noncurrent loans | 302.8596% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 0.2764% | 2,164 |
| Noncurrent loans to loans | 0.5896% | 1,667 |
| Net loans and leases to total assets | 46.0460% | 3,688 |
| Net loans and leases to deposits | 50.0229% | 3,877 |
| Net loans and leases to core deposits | 50.7474% | 3,977 |
| Total domestic deposits to total assets | 92.0499% | 164 |
| Equity capital to assets | 7.9177% | 4,407 |
| Core capital (leverage) ratio | 8.1668% | 4,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4634% | 1,170 |
| Memoranda: | ||
| Average total assets | $395,474,400 | 2,005 |
| Average earning assets | $382,644,600 | 1,960 |
| Average equity | $34,257,200 | 2,324 |
| Average total loans | $200,774,200 | 2,229 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1310% | 3,743 |
| Cost of funding earning assets | 0.1493% | 4,114 |
| Net interest margin | 2.9817% | 3,352 |
| Noninterest income to average assets | 0.3344% | 3,433 |
| Noninterest expense to average assets | 1.5744% | 4,499 |
| Loan and lease loss provision to assets | 0.0956% | 1,247 |
| Net operating income to assets | 1.4821% | 1,314 |
| Return on assets (ROA) | 1.4821% | 1,364 |
| Pretax return on assets | 1.5450% | 1,864 |
| Return on Equity (ROE) | 16.7252% | 812 |
| Retained earnings to average equity (ytd only) | 4.7649% | 3,305 |
| Net charge-offs to loans | -0.0251% | 4,060 |
| Credit loss provision to net charge-offs | -736.8421% | 3,767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9685% | 4,298 |
| Assets per employee ($millions) | 8.2427% | 1,160 |
| Cash dividends to net income (ytd only)* | 71.5110% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7898% | 947 |
| Loan loss allowance to noncurrent loans | 534.5038% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.1742% | 2,958 |
| Noncurrent loans to loans | 0.3349% | 2,581 |
| Net loans and leases to total assets | 49.5874% | 3,459 |
| Net loans and leases to deposits | 54.6538% | 3,680 |
| Net loans and leases to core deposits | 55.5575% | 3,807 |
| Total domestic deposits to total assets | 90.7300% | 457 |
| Equity capital to assets | 9.0953% | 3,748 |
| Core capital (leverage) ratio | 8.0525% | 4,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6663% | 1,441 |
| Memoranda: | ||
| Average total assets | $389,973,000 | 2,044 |
| Average earning assets | $376,779,750 | 2,001 |
| Average equity | $34,557,750 | 2,338 |
| Average total loans | $202,035,750 | 2,259 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4026% | 3,179 |
| Cost of funding earning assets | 0.1607% | 4,115 |
| Net interest margin | 3.2419% | 2,634 |
| Noninterest income to average assets | 0.3321% | 3,439 |
| Noninterest expense to average assets | 1.5807% | 4,535 |
| Loan and lease loss provision to assets | 0.1331% | 928 |
| Net operating income to assets | 1.6805% | 902 |
| Return on assets (ROA) | 1.6805% | 950 |
| Pretax return on assets | 1.7465% | 1,368 |
| Return on Equity (ROE) | 19.1310% | 531 |
| Retained earnings to average equity (ytd only) | 6.8974% | 2,467 |
| Net charge-offs to loans | -0.0020% | 3,198 |
| Credit loss provision to net charge-offs | -13,000.0000% | 4,072 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6818% | 4,530 |
| Assets per employee ($millions) | 8.5400% | 992 |
| Cash dividends to net income (ytd only)* | 63.9464% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6965% | 1,067 |
| Loan loss allowance to noncurrent loans | 466.1705% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.1803% | 3,063 |
| Noncurrent loans to loans | 0.3639% | 2,603 |
| Net loans and leases to total assets | 48.6986% | 3,666 |
| Net loans and leases to deposits | 53.2521% | 3,906 |
| Net loans and leases to core deposits | 54.0753% | 4,019 |
| Total domestic deposits to total assets | 91.4493% | 240 |
| Equity capital to assets | 8.4261% | 4,258 |
| Core capital (leverage) ratio | 7.9411% | 4,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3258% | 1,523 |
| Memoranda: | ||
| Average total assets | $390,827,667 | 2,032 |
| Average earning assets | $377,120,333 | 1,989 |
| Average equity | $34,331,667 | 2,344 |
| Average total loans | $204,178,667 | 2,254 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6077% | 2,617 |
| Cost of funding earning assets | 0.1840% | 4,051 |
| Net interest margin | 3.4238% | 2,044 |
| Noninterest income to average assets | 0.3263% | 3,468 |
| Noninterest expense to average assets | 1.5957% | 4,542 |
| Loan and lease loss provision to assets | 0.1574% | 812 |
| Net operating income to assets | 1.8065% | 781 |
| Return on assets (ROA) | 1.8065% | 835 |
| Pretax return on assets | 1.8726% | 1,157 |
| Return on Equity (ROE) | 20.1242% | 523 |
| Retained earnings to average equity (ytd only) | 8.4377% | 2,112 |
| Net charge-offs to loans | 0.0547% | 962 |
| Credit loss provision to net charge-offs | 535.7143% | 577 |
| Earnings coverage of net charge-offs (x) | 69.1071% | 760 |
| Efficiency ratio | 44.0104% | 4,579 |
| Assets per employee ($millions) | 8.6698% | 925 |
| Cash dividends to net income (ytd only)* | 58.0720% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5693% | 1,373 |
| Loan loss allowance to noncurrent loans | 406.5191% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.2427% | 2,917 |
| Noncurrent loans to loans | 0.3860% | 2,710 |
| Net loans and leases to total assets | 51.9779% | 3,452 |
| Net loans and leases to deposits | 56.9945% | 3,719 |
| Net loans and leases to core deposits | 57.9228% | 3,841 |
| Total domestic deposits to total assets | 91.1981% | 332 |
| Equity capital to assets | 8.6909% | 3,970 |
| Core capital (leverage) ratio | 8.3105% | 4,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2873% | 1,480 |
| Memoranda: | ||
| Average total assets | $381,282,000 | 2,058 |
| Average earning assets | $367,432,000 | 2,013 |
| Average equity | $34,227,500 | 2,341 |
| Average total loans | $204,733,000 | 2,250 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7546% | 3,430 |
| Cost of funding earning assets | 0.3624% | 3,808 |
| Net interest margin | 3.3922% | 2,804 |
| Noninterest income to average assets | 0.5924% | 2,241 |
| Noninterest expense to average assets | 1.8100% | 4,454 |
| Loan and lease loss provision to assets | 0.4794% | 542 |
| Net operating income to assets | 1.5283% | 749 |
| Return on assets (ROA) | 1.5322% | 802 |
| Pretax return on assets | 1.5908% | 1,095 |
| Return on Equity (ROE) | 16.1527% | 485 |
| Retained earnings to average equity (ytd only) | 2.5102% | 3,598 |
| Net charge-offs to loans | 0.4711% | 348 |
| Credit loss provision to net charge-offs | 184.6069% | 2,244 |
| Earnings coverage of net charge-offs (x) | 7.9568% | 2,646 |
| Efficiency ratio | 46.6949% | 4,685 |
| Assets per employee ($millions) | 7.7394% | 1,148 |
| Cash dividends to net income (ytd only)* | 84.4595% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6006% | 1,294 |
| Loan loss allowance to noncurrent loans | 327.1326% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.3101% | 2,756 |
| Noncurrent loans to loans | 0.4893% | 2,501 |
| Net loans and leases to total assets | 53.7960% | 3,507 |
| Net loans and leases to deposits | 59.3272% | 3,809 |
| Net loans and leases to core deposits | 60.3944% | 3,919 |
| Total domestic deposits to total assets | 90.6767% | 309 |
| Equity capital to assets | 9.2906% | 3,797 |
| Core capital (leverage) ratio | 8.7480% | 3,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6347% | 1,645 |
| Memoranda: | ||
| Average total assets | $347,742,000 | 2,062 |
| Average earning assets | $336,626,200 | 1,998 |
| Average equity | $32,985,200 | 2,338 |
| Average total loans | $191,659,200 | 2,313 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8670% | 3,367 |
| Cost of funding earning assets | 0.4036% | 3,792 |
| Net interest margin | 3.4634% | 2,708 |
| Noninterest income to average assets | 0.3231% | 3,551 |
| Noninterest expense to average assets | 1.7800% | 4,529 |
| Loan and lease loss provision to assets | 0.2211% | 1,821 |
| Net operating income to assets | 1.6247% | 684 |
| Return on assets (ROA) | 1.6299% | 749 |
| Pretax return on assets | 1.6892% | 989 |
| Return on Equity (ROE) | 17.0899% | 441 |
| Retained earnings to average equity (ytd only) | 4.8886% | 2,606 |
| Net charge-offs to loans | 0.0007% | 3,217 |
| Credit loss provision to net charge-offs | 57,000.0000% | 17 |
| Earnings coverage of net charge-offs (x) | 4,911.0000% | 10 |
| Efficiency ratio | 48.3053% | 4,589 |
| Assets per employee ($millions) | 7.2488% | 1,351 |
| Cash dividends to net income (ytd only)* | 71.3946% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4832% | 1,437 |
| Loan loss allowance to noncurrent loans | 156.1129% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 0.6033% | 1,921 |
| Noncurrent loans to loans | 0.9501% | 1,588 |
| Net loans and leases to total assets | 57.0420% | 3,518 |
| Net loans and leases to deposits | 63.4395% | 3,833 |
| Net loans and leases to core deposits | 64.7876% | 3,965 |
| Total domestic deposits to total assets | 89.9156% | 458 |
| Equity capital to assets | 9.8450% | 3,387 |
| Core capital (leverage) ratio | 8.2236% | 4,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5025% | 2,001 |
| Memoranda: | ||
| Average total assets | $343,739,000 | 2,060 |
| Average earning assets | $333,653,500 | 1,986 |
| Average equity | $32,782,750 | 2,337 |
| Average total loans | $190,285,500 | 2,317 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0412% | 3,221 |
| Cost of funding earning assets | 0.4506% | 3,788 |
| Net interest margin | 3.5906% | 2,515 |
| Noninterest income to average assets | 0.3202% | 3,545 |
| Noninterest expense to average assets | 1.7380% | 4,645 |
| Loan and lease loss provision to assets | 0.1928% | 2,104 |
| Net operating income to assets | 1.8259% | 476 |
| Return on assets (ROA) | 1.8339% | 514 |
| Pretax return on assets | 1.8935% | 679 |
| Return on Equity (ROE) | 19.4413% | 272 |
| Retained earnings to average equity (ytd only) | 7.0544% | 1,640 |
| Net charge-offs to loans | 0.0322% | 2,086 |
| Credit loss provision to net charge-offs | 1,100.0000% | 741 |
| Earnings coverage of net charge-offs (x) | 118.5667% | 630 |
| Efficiency ratio | 45.5450% | 4,751 |
| Assets per employee ($millions) | 7.5457% | 1,151 |
| Cash dividends to net income (ytd only)* | 63.7146% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3631% | 1,718 |
| Loan loss allowance to noncurrent loans | 146.3402% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 0.5130% | 2,299 |
| Noncurrent loans to loans | 0.9315% | 1,658 |
| Net loans and leases to total assets | 54.3225% | 3,848 |
| Net loans and leases to deposits | 60.0452% | 4,119 |
| Net loans and leases to core deposits | 65.7118% | 3,980 |
| Total domestic deposits to total assets | 90.4695% | 282 |
| Equity capital to assets | 9.3229% | 3,810 |
| Core capital (leverage) ratio | 8.2917% | 4,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8291% | 1,542 |
| Memoranda: | ||
| Average total assets | $342,338,000 | 2,033 |
| Average earning assets | $333,317,333 | 1,964 |
| Average equity | $32,292,000 | 2,349 |
| Average total loans | $186,560,333 | 2,338 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5842% | 4,545 |
| Cost of funding earning assets | 0.5452% | 3,716 |
| Net interest margin | 3.0389% | 4,215 |
| Noninterest income to average assets | 0.3454% | 3,452 |
| Noninterest expense to average assets | 1.7460% | 4,728 |
| Loan and lease loss provision to assets | 0.0541% | 3,088 |
| Net operating income to assets | 1.4416% | 899 |
| Return on assets (ROA) | 1.4416% | 972 |
| Pretax return on assets | 1.5030% | 1,296 |
| Return on Equity (ROE) | 15.1864% | 526 |
| Retained earnings to average equity (ytd only) | 2.5099% | 3,260 |
| Net charge-offs to loans | 0.0866% | 1,184 |
| Credit loss provision to net charge-offs | 115.3846% | 1,721 |
| Earnings coverage of net charge-offs (x) | 33.1795% | 1,117 |
| Efficiency ratio | 52.8597% | 4,482 |
| Assets per employee ($millions) | 7.0879% | 1,062 |
| Cash dividends to net income (ytd only)* | 83.4725% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3298% | 2,000 |
| Loan loss allowance to noncurrent loans | 263.3008% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.2707% | 3,374 |
| Noncurrent loans to loans | 0.5051% | 2,756 |
| Net loans and leases to total assets | 52.8862% | 4,066 |
| Net loans and leases to deposits | 60.2575% | 4,184 |
| Net loans and leases to core deposits | 64.3644% | 4,153 |
| Total domestic deposits to total assets | 87.7671% | 1,202 |
| Equity capital to assets | 9.3942% | 4,315 |
| Core capital (leverage) ratio | 8.7741% | 4,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0262% | 1,898 |
| Memoranda: | ||
| Average total assets | $332,410,000 | 2,030 |
| Average earning assets | $323,534,000 | 1,960 |
| Average equity | $31,554,500 | 2,374 |
| Average total loans | $180,104,500 | 2,359 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8791% | 4,474 |
| Cost of funding earning assets | 0.6377% | 3,470 |
| Net interest margin | 3.2413% | 4,105 |
| Noninterest income to average assets | 0.3900% | 3,361 |
| Noninterest expense to average assets | 1.8370% | 4,729 |
| Loan and lease loss provision to assets | 0.0363% | 3,282 |
| Net operating income to assets | 1.6572% | 731 |
| Return on assets (ROA) | 1.6641% | 765 |
| Pretax return on assets | 1.6641% | 1,289 |
| Return on Equity (ROE) | 17.8578% | 350 |
| Retained earnings to average equity (ytd only) | 0.8272% | 4,449 |
| Net charge-offs to loans | 0.1586% | 1,270 |
| Credit loss provision to net charge-offs | 41.3793% | 3,193 |
| Earnings coverage of net charge-offs (x) | 19.3172% | 2,005 |
| Efficiency ratio | 52.0336% | 4,603 |
| Assets per employee ($millions) | 6.6245% | 1,224 |
| Cash dividends to net income (ytd only)* | 95.3678% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3601% | 1,672 |
| Loan loss allowance to noncurrent loans | 245.3347% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.3038% | 3,215 |
| Noncurrent loans to loans | 0.5544% | 2,515 |
| Net loans and leases to total assets | 54.0467% | 4,073 |
| Net loans and leases to deposits | 59.8209% | 4,301 |
| Net loans and leases to core deposits | 61.0026% | 4,391 |
| Total domestic deposits to total assets | 90.3475% | 226 |
| Equity capital to assets | 9.5958% | 4,277 |
| Core capital (leverage) ratio | 8.7564% | 4,696 |
| Tier 1 risk-based capital ratio | 13.6705% | 3,427 |
| Total risk-based capital ratio | 14.8830% | 3,354 |
| Memoranda: | ||
| Average total assets | $330,807,600 | 1,978 |
| Average earning assets | $320,515,000 | 1,920 |
| Average equity | $30,826,800 | 2,346 |
| Average total loans | $182,900,200 | 2,290 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9195% | 4,510 |
| Cost of funding earning assets | 0.6532% | 3,438 |
| Net interest margin | 3.2663% | 4,151 |
| Noninterest income to average assets | 0.3891% | 3,382 |
| Noninterest expense to average assets | 1.7924% | 4,826 |
| Loan and lease loss provision to assets | 0.0361% | 3,170 |
| Net operating income to assets | 1.7242% | 709 |
| Return on assets (ROA) | 1.7242% | 748 |
| Pretax return on assets | 1.7242% | 1,263 |
| Return on Equity (ROE) | 18.6380% | 344 |
| Retained earnings to average equity (ytd only) | 2.3764% | 4,147 |
| Net charge-offs to loans | 0.1882% | 912 |
| Credit loss provision to net charge-offs | 34.6154% | 2,889 |
| Earnings coverage of net charge-offs (x) | 16.8768% | 2,120 |
| Efficiency ratio | 50.4517% | 4,714 |
| Assets per employee ($millions) | 6.2496% | 1,426 |
| Cash dividends to net income (ytd only)* | 87.2500% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3405% | 1,799 |
| Loan loss allowance to noncurrent loans | 214.2604% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.3894% | 2,950 |
| Noncurrent loans to loans | 0.6257% | 2,408 |
| Net loans and leases to total assets | 55.8557% | 4,057 |
| Net loans and leases to deposits | 62.2374% | 4,275 |
| Net loans and leases to core deposits | 63.3507% | 4,409 |
| Total domestic deposits to total assets | 89.7462% | 357 |
| Equity capital to assets | 10.0216% | 3,997 |
| Core capital (leverage) ratio | 8.6273% | 4,872 |
| Tier 1 risk-based capital ratio | 13.5378% | 3,547 |
| Total risk-based capital ratio | 14.7263% | 3,494 |
| Memoranda: | ||
| Average total assets | $332,359,750 | 1,980 |
| Average earning assets | $321,901,000 | 1,926 |
| Average equity | $30,746,500 | 2,366 |
| Average total loans | $184,161,750 | 2,300 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8721% | 4,601 |
| Cost of funding earning assets | 0.6559% | 3,375 |
| Net interest margin | 3.2162% | 4,331 |
| Noninterest income to average assets | 0.3841% | 3,373 |
| Noninterest expense to average assets | 1.7512% | 4,922 |
| Loan and lease loss provision to assets | 0.0356% | 3,110 |
| Net operating income to assets | 1.7061% | 720 |
| Return on assets (ROA) | 1.7061% | 750 |
| Pretax return on assets | 1.7061% | 1,259 |
| Return on Equity (ROE) | 18.9403% | 318 |
| Retained earnings to average equity (ytd only) | 2.4647% | 3,956 |
| Net charge-offs to loans | 0.1823% | 904 |
| Credit loss provision to net charge-offs | 35.5030% | 2,566 |
| Earnings coverage of net charge-offs (x) | 17.3609% | 1,897 |
| Efficiency ratio | 50.1360% | 4,776 |
| Assets per employee ($millions) | 7.0943% | 957 |
| Cash dividends to net income (ytd only)* | 86.9868% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3466% | 1,827 |
| Loan loss allowance to noncurrent loans | 208.9301% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.3486% | 3,140 |
| Noncurrent loans to loans | 0.6445% | 2,330 |
| Net loans and leases to total assets | 53.3567% | 4,265 |
| Net loans and leases to deposits | 59.0029% | 4,476 |
| Net loans and leases to core deposits | 59.9795% | 4,573 |
| Total domestic deposits to total assets | 90.4307% | 206 |
| Equity capital to assets | 9.3832% | 4,519 |
| Core capital (leverage) ratio | 8.2694% | 5,074 |
| Tier 1 risk-based capital ratio | 12.6563% | 4,041 |
| Total risk-based capital ratio | 13.8062% | 3,991 |
| Memoranda: | ||
| Average total assets | $336,902,330 | 1,977 |
| Average earning assets | $325,667,000 | 1,926 |
| Average equity | $30,348,000 | 2,384 |
| Average total loans | $185,399,330 | 2,300 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8383% | 4,643 |
| Cost of funding earning assets | 0.6493% | 3,328 |
| Net interest margin | 3.1890% | 4,407 |
| Noninterest income to average assets | 0.3844% | 3,302 |
| Noninterest expense to average assets | 1.7619% | 4,956 |
| Loan and lease loss provision to assets | 0.0358% | 2,909 |
| Net operating income to assets | 1.6879% | 751 |
| Return on assets (ROA) | 1.6879% | 776 |
| Pretax return on assets | 1.6879% | 1,243 |
| Return on Equity (ROE) | 19.1430% | 317 |
| Retained earnings to average equity (ytd only) | 2.2203% | 4,005 |
| Net charge-offs to loans | 0.1785% | 770 |
| Credit loss provision to net charge-offs | 36.1446% | 2,055 |
| Earnings coverage of net charge-offs (x) | 17.3976% | 1,660 |
| Efficiency ratio | 50.5479% | 4,788 |
| Assets per employee ($millions) | 7.0133% | 998 |
| Cash dividends to net income (ytd only)* | 88.4017% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3787% | 1,757 |
| Loan loss allowance to noncurrent loans | 219.5671% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 0.3361% | 3,259 |
| Noncurrent loans to loans | 0.6279% | 2,443 |
| Net loans and leases to total assets | 52.7886% | 4,287 |
| Net loans and leases to deposits | 57.9025% | 4,508 |
| Net loans and leases to core deposits | 58.9243% | 4,610 |
| Total domestic deposits to total assets | 91.1680% | 137 |
| Equity capital to assets | 8.7060% | 4,877 |
| Core capital (leverage) ratio | 8.1606% | 5,156 |
| Tier 1 risk-based capital ratio | 12.4974% | 4,171 |
| Total risk-based capital ratio | 13.6553% | 4,093 |
| Memoranda: | ||
| Average total assets | $335,091,000 | 1,995 |
| Average earning assets | $325,875,000 | 1,937 |
| Average equity | $29,546,000 | 2,430 |
| Average total loans | $186,012,500 | 2,308 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6735% | 4,702 |
| Cost of funding earning assets | 0.5033% | 3,325 |
| Net interest margin | 3.1703% | 4,536 |
| Noninterest income to average assets | 0.7726% | 1,561 |
| Noninterest expense to average assets | 1.9032% | 4,890 |
| Loan and lease loss provision to assets | 0.0363% | 3,473 |
| Net operating income to assets | 1.9090% | 435 |
| Return on assets (ROA) | 1.9141% | 426 |
| Pretax return on assets | 1.9141% | 693 |
| Return on Equity (ROE) | 21.5702% | 172 |
| Retained earnings to average equity (ytd only) | 1.9919% | 4,356 |
| Net charge-offs to loans | 0.0796% | 1,994 |
| Credit loss provision to net charge-offs | 81.6327% | 2,842 |
| Earnings coverage of net charge-offs (x) | 43.7959% | 1,231 |
| Efficiency ratio | 49.4543% | 4,969 |
| Assets per employee ($millions) | 6.4026% | 1,265 |
| Cash dividends to net income (ytd only)* | 90.7656% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3765% | 1,730 |
| Loan loss allowance to noncurrent loans | 236.4384% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.3353% | 3,211 |
| Noncurrent loans to loans | 0.5822% | 2,544 |
| Net loans and leases to total assets | 56.8067% | 4,066 |
| Net loans and leases to deposits | 62.4168% | 4,356 |
| Net loans and leases to core deposits | 63.5717% | 4,463 |
| Total domestic deposits to total assets | 91.0119% | 206 |
| Equity capital to assets | 8.9345% | 4,627 |
| Core capital (leverage) ratio | 8.4632% | 5,040 |
| Tier 1 risk-based capital ratio | 12.2532% | 4,262 |
| Total risk-based capital ratio | 13.4397% | 4,183 |
| Memoranda: | ||
| Average total assets | $330,961,800 | 1,983 |
| Average earning assets | $321,107,200 | 1,917 |
| Average equity | $29,369,200 | 2,371 |
| Average total loans | $184,707,800 | 2,301 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6547% | 4,720 |
| Cost of funding earning assets | 0.4794% | 3,333 |
| Net interest margin | 3.1753% | 4,559 |
| Noninterest income to average assets | 0.8938% | 1,219 |
| Noninterest expense to average assets | 1.8791% | 4,940 |
| Loan and lease loss provision to assets | 0.0361% | 3,283 |
| Net operating income to assets | 2.0610% | 333 |
| Return on assets (ROA) | 2.0610% | 331 |
| Pretax return on assets | 2.0610% | 533 |
| Return on Equity (ROE) | 23.2641% | 122 |
| Retained earnings to average equity (ytd only) | 6.2681% | 2,504 |
| Net charge-offs to loans | 0.1001% | 1,491 |
| Credit loss provision to net charge-offs | 65.2174% | 2,681 |
| Earnings coverage of net charge-offs (x) | 37.8469% | 1,400 |
| Efficiency ratio | 47.2584% | 5,087 |
| Assets per employee ($millions) | 6.3102% | 1,283 |
| Cash dividends to net income (ytd only)* | 73.0568% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3809% | 1,779 |
| Loan loss allowance to noncurrent loans | 401.8779% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.1986% | 3,958 |
| Noncurrent loans to loans | 0.3436% | 3,425 |
| Net loans and leases to total assets | 56.9870% | 4,132 |
| Net loans and leases to deposits | 62.9522% | 4,395 |
| Net loans and leases to core deposits | 63.8405% | 4,527 |
| Total domestic deposits to total assets | 90.5242% | 332 |
| Equity capital to assets | 9.2561% | 4,315 |
| Core capital (leverage) ratio | 8.4042% | 5,139 |
| Tier 1 risk-based capital ratio | 12.3370% | 4,294 |
| Total risk-based capital ratio | 13.4858% | 4,246 |
| Memoranda: | ||
| Average total assets | $332,069,250 | 1,988 |
| Average earning assets | $322,351,250 | 1,929 |
| Average equity | $29,418,000 | 2,376 |
| Average total loans | $183,864,500 | 2,318 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5787% | 4,799 |
| Cost of funding earning assets | 0.4520% | 3,341 |
| Net interest margin | 3.1266% | 4,675 |
| Noninterest income to average assets | 0.6075% | 2,284 |
| Noninterest expense to average assets | 1.7986% | 5,095 |
| Loan and lease loss provision to assets | 0.0358% | 3,199 |
| Net operating income to assets | 1.8040% | 575 |
| Return on assets (ROA) | 1.8040% | 577 |
| Pretax return on assets | 1.8040% | 953 |
| Return on Equity (ROE) | 20.6590% | 221 |
| Retained earnings to average equity (ytd only) | 3.5911% | 3,802 |
| Net charge-offs to loans | 0.1452% | 1,053 |
| Credit loss provision to net charge-offs | 45.1128% | 2,522 |
| Earnings coverage of net charge-offs (x) | 23.2030% | 1,716 |
| Efficiency ratio | 49.4347% | 5,052 |
| Assets per employee ($millions) | 6.6385% | 1,109 |
| Cash dividends to net income (ytd only)* | 82.6173% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3687% | 1,863 |
| Loan loss allowance to noncurrent loans | 324.3622% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.2844% | 3,628 |
| Noncurrent loans to loans | 0.4220% | 3,190 |
| Net loans and leases to total assets | 55.2111% | 4,228 |
| Net loans and leases to deposits | 60.6756% | 4,494 |
| Net loans and leases to core deposits | 61.6100% | 4,622 |
| Total domestic deposits to total assets | 90.9940% | 250 |
| Equity capital to assets | 8.7731% | 4,740 |
| Core capital (leverage) ratio | 7.7318% | 5,407 |
| Tier 1 risk-based capital ratio | 11.5318% | 4,773 |
| Total risk-based capital ratio | 12.3372% | 4,903 |
| Memoranda: | ||
| Average total assets | $335,485,330 | 1,984 |
| Average earning assets | $325,204,330 | 1,928 |
| Average equity | $29,294,670 | 2,392 |
| Average total loans | $183,164,670 | 2,327 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5169% | 4,852 |
| Cost of funding earning assets | 0.4313% | 3,360 |
| Net interest margin | 3.0856% | 4,728 |
| Noninterest income to average assets | 0.8089% | 1,425 |
| Noninterest expense to average assets | 1.7790% | 5,172 |
| Loan and lease loss provision to assets | 0.0356% | 3,028 |
| Net operating income to assets | 1.9723% | 395 |
| Return on assets (ROA) | 1.9723% | 397 |
| Pretax return on assets | 1.9723% | 608 |
| Return on Equity (ROE) | 22.6397% | 139 |
| Retained earnings to average equity (ytd only) | 5.6225% | 2,885 |
| Net charge-offs to loans | 0.1012% | 1,181 |
| Credit loss provision to net charge-offs | 65.2174% | 1,866 |
| Earnings coverage of net charge-offs (x) | 36.8043% | 1,114 |
| Efficiency ratio | 46.9778% | 5,233 |
| Assets per employee ($millions) | 7.0534% | 939 |
| Cash dividends to net income (ytd only)* | 75.1654% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4185% | 1,769 |
| Loan loss allowance to noncurrent loans | 299.5392% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.3177% | 3,558 |
| Noncurrent loans to loans | 0.4735% | 3,106 |
| Net loans and leases to total assets | 52.2824% | 4,419 |
| Net loans and leases to deposits | 57.1800% | 4,633 |
| Net loans and leases to core deposits | 58.5403% | 4,723 |
| Total domestic deposits to total assets | 91.4348% | 197 |
| Equity capital to assets | 8.4428% | 5,019 |
| Core capital (leverage) ratio | 7.8776% | 5,421 |
| Tier 1 risk-based capital ratio | 12.0933% | 4,499 |
| Total risk-based capital ratio | 13.2942% | 4,410 |
| Memoranda: | ||
| Average total assets | $337,266,000 | 1,991 |
| Average earning assets | $325,513,000 | 1,942 |
| Average equity | $29,382,000 | 2,411 |
| Average total loans | $181,846,000 | 2,350 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5275% | 4,743 |
| Cost of funding earning assets | 0.3585% | 3,629 |
| Net interest margin | 3.1690% | 4,523 |
| Noninterest income to average assets | 0.4024% | 3,626 |
| Noninterest expense to average assets | 2.2888% | 4,363 |
| Loan and lease loss provision to assets | 0.0355% | 3,558 |
| Net operating income to assets | 1.1335% | 1,743 |
| Return on assets (ROA) | 1.1335% | 1,773 |
| Pretax return on assets | 1.1335% | 3,045 |
| Return on Equity (ROE) | 13.0397% | 944 |
| Retained earnings to average equity (ytd only) | 0.2857% | 4,912 |
| Net charge-offs to loans | 0.0626% | 2,581 |
| Credit loss provision to net charge-offs | 102.5641% | 2,494 |
| Earnings coverage of net charge-offs (x) | 33.7949% | 1,420 |
| Efficiency ratio | 66.1936% | 3,234 |
| Assets per employee ($millions) | 6.5783% | 1,162 |
| Cash dividends to net income (ytd only)* | 97.8091% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4502% | 1,579 |
| Loan loss allowance to noncurrent loans | 289.7010% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 0.2745% | 3,789 |
| Noncurrent loans to loans | 0.5006% | 3,023 |
| Net loans and leases to total assets | 54.0502% | 4,359 |
| Net loans and leases to deposits | 59.4150% | 4,603 |
| Net loans and leases to core deposits | 60.9791% | 4,708 |
| Total domestic deposits to total assets | 90.9706% | 246 |
| Equity capital to assets | 8.9945% | 4,732 |
| Core capital (leverage) ratio | 8.1727% | 5,364 |
| Tier 1 risk-based capital ratio | 11.9967% | 4,530 |
| Total risk-based capital ratio | 13.1963% | 4,451 |
| Memoranda: | ||
| Average total assets | $338,258,800 | 1,968 |
| Average earning assets | $326,125,600 | 1,911 |
| Average equity | $29,402,600 | 2,396 |
| Average total loans | $186,975,600 | 2,269 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5362% | 4,723 |
| Cost of funding earning assets | 0.3404% | 3,768 |
| Net interest margin | 3.1959% | 4,458 |
| Noninterest income to average assets | 0.4020% | 3,670 |
| Noninterest expense to average assets | 2.4502% | 3,884 |
| Loan and lease loss provision to assets | 0.0470% | 3,165 |
| Net operating income to assets | 0.9959% | 2,573 |
| Return on assets (ROA) | 0.9959% | 2,623 |
| Pretax return on assets | 0.9959% | 3,703 |
| Return on Equity (ROE) | 11.5539% | 1,470 |
| Retained earnings to average equity (ytd only) | -5.4772% | 5,553 |
| Net charge-offs to loans | 0.0141% | 3,241 |
| Credit loss provision to net charge-offs | 600.0000% | 544 |
| Earnings coverage of net charge-offs (x) | 133.1800% | 580 |
| Efficiency ratio | 70.1446% | 2,513 |
| Assets per employee ($millions) | 6.1928% | 1,386 |
| Cash dividends to net income (ytd only)* | 147.4056% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5042% | 1,518 |
| Loan loss allowance to noncurrent loans | 487.0736% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.1697% | 4,425 |
| Noncurrent loans to loans | 0.3088% | 3,836 |
| Net loans and leases to total assets | 54.1239% | 4,405 |
| Net loans and leases to deposits | 59.3705% | 4,670 |
| Net loans and leases to core deposits | 60.9922% | 4,768 |
| Total domestic deposits to total assets | 91.1630% | 150 |
| Equity capital to assets | 8.6908% | 5,155 |
| Core capital (leverage) ratio | 7.3205% | 5,639 |
| Tier 1 risk-based capital ratio | 12.0017% | 4,618 |
| Total risk-based capital ratio | 13.2713% | 4,493 |
| Memoranda: | ||
| Average total assets | $340,595,250 | 1,977 |
| Average earning assets | $329,418,000 | 1,909 |
| Average equity | $29,357,250 | 2,420 |
| Average total loans | $188,621,000 | 2,263 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5194% | 4,718 |
| Cost of funding earning assets | 0.2994% | 4,086 |
| Net interest margin | 3.2200% | 4,354 |
| Noninterest income to average assets | 0.3986% | 3,699 |
| Noninterest expense to average assets | 1.7719% | 5,342 |
| Loan and lease loss provision to assets | 0.0696% | 2,583 |
| Net operating income to assets | 1.6645% | 611 |
| Return on assets (ROA) | 1.6645% | 631 |
| Pretax return on assets | 1.6645% | 1,144 |
| Return on Equity (ROE) | 19.3625% | 250 |
| Retained earnings to average equity (ytd only) | 2.4903% | 4,199 |
| Net charge-offs to loans | -0.0512% | 5,181 |
| Credit loss provision to net charge-offs | -244.8980% | 4,506 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5378% | 5,274 |
| Assets per employee ($millions) | 6.6665% | 1,065 |
| Cash dividends to net income (ytd only)* | 87.1384% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4685% | 1,690 |
| Loan loss allowance to noncurrent loans | 374.4280% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.2103% | 4,326 |
| Noncurrent loans to loans | 0.3922% | 3,615 |
| Net loans and leases to total assets | 52.8296% | 4,495 |
| Net loans and leases to deposits | 57.8730% | 4,755 |
| Net loans and leases to core deposits | 59.3903% | 4,853 |
| Total domestic deposits to total assets | 91.2853% | 158 |
| Equity capital to assets | 8.5777% | 5,245 |
| Core capital (leverage) ratio | 7.5575% | 5,646 |
| Tier 1 risk-based capital ratio | 11.9514% | 4,662 |
| Total risk-based capital ratio | 13.2101% | 4,548 |
| Memoranda: | ||
| Average total assets | $344,720,000 | 1,952 |
| Average earning assets | $332,669,330 | 1,888 |
| Average equity | $29,634,670 | 2,395 |
| Average total loans | $191,375,000 | 2,249 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5105% | 4,663 |
| Cost of funding earning assets | 0.2630% | 4,427 |
| Net interest margin | 3.2475% | 4,195 |
| Noninterest income to average assets | 0.4171% | 3,548 |
| Noninterest expense to average assets | 1.8107% | 5,359 |
| Loan and lease loss provision to assets | 0.0705% | 2,396 |
| Net operating income to assets | 1.6556% | 603 |
| Return on assets (ROA) | 1.6556% | 617 |
| Pretax return on assets | 1.6556% | 1,110 |
| Return on Equity (ROE) | 19.2365% | 266 |
| Retained earnings to average equity (ytd only) | 2.1708% | 4,275 |
| Net charge-offs to loans | 0.0561% | 1,770 |
| Credit loss provision to net charge-offs | 222.2222% | 946 |
| Earnings coverage of net charge-offs (x) | 54.4074% | 853 |
| Efficiency ratio | 51.1960% | 5,313 |
| Assets per employee ($millions) | 6.3181% | 1,286 |
| Cash dividends to net income (ytd only)* | 88.7154% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3787% | 2,172 |
| Loan loss allowance to noncurrent loans | 391.4201% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.1945% | 4,464 |
| Noncurrent loans to loans | 0.3522% | 3,834 |
| Net loans and leases to total assets | 54.4669% | 4,303 |
| Net loans and leases to deposits | 59.6392% | 4,590 |
| Net loans and leases to core deposits | 61.2401% | 4,708 |
| Total domestic deposits to total assets | 91.3274% | 203 |
| Equity capital to assets | 8.5716% | 5,187 |
| Core capital (leverage) ratio | 7.6699% | 5,670 |
| Tier 1 risk-based capital ratio | 11.7391% | 4,892 |
| Total risk-based capital ratio | 12.9377% | 4,819 |
| Memoranda: | ||
| Average total assets | $340,418,500 | 1,987 |
| Average earning assets | $327,021,000 | 1,927 |
| Average equity | $29,298,500 | 2,426 |
| Average total loans | $192,342,000 | 2,251 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6368% | 4,415 |
| Cost of funding earning assets | 0.1894% | 5,111 |
| Net interest margin | 3.4474% | 3,638 |
| Noninterest income to average assets | 0.3955% | 3,923 |
| Noninterest expense to average assets | 1.9108% | 5,346 |
| Loan and lease loss provision to assets | 0.0603% | 3,169 |
| Net operating income to assets | 1.7572% | 483 |
| Return on assets (ROA) | 1.7575% | 503 |
| Pretax return on assets | 1.7575% | 876 |
| Return on Equity (ROE) | 19.5033% | 234 |
| Retained earnings to average equity (ytd only) | 1.0913% | 4,868 |
| Net charge-offs to loans | 0.1518% | 1,741 |
| Credit loss provision to net charge-offs | 68.9655% | 3,149 |
| Earnings coverage of net charge-offs (x) | 20.7759% | 1,836 |
| Efficiency ratio | 51.2501% | 5,424 |
| Assets per employee ($millions) | 6.1730% | 1,352 |
| Cash dividends to net income (ytd only)* | 94.4044% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3555% | 2,277 |
| Loan loss allowance to noncurrent loans | 323.7918% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.2421% | 4,338 |
| Noncurrent loans to loans | 0.4186% | 3,643 |
| Net loans and leases to total assets | 57.0451% | 4,158 |
| Net loans and leases to deposits | 62.4631% | 4,513 |
| Net loans and leases to core deposits | 64.0439% | 4,631 |
| Total domestic deposits to total assets | 91.3260% | 203 |
| Equity capital to assets | 8.6431% | 5,151 |
| Core capital (leverage) ratio | 8.3504% | 5,403 |
| Tier 1 risk-based capital ratio | 11.8443% | 4,826 |
| Total risk-based capital ratio | 13.0085% | 4,790 |
| Memoranda: | ||
| Average total assets | $331,488,800 | 1,996 |
| Average earning assets | $320,477,600 | 1,916 |
| Average equity | $29,871,800 | 2,357 |
| Average total loans | $191,096,600 | 2,198 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6260% | 4,479 |
| Cost of funding earning assets | 0.1881% | 5,193 |
| Net interest margin | 3.4379% | 3,713 |
| Noninterest income to average assets | 0.3923% | 3,976 |
| Noninterest expense to average assets | 1.8693% | 5,427 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.8657% | 434 |
| Return on assets (ROA) | 1.8661% | 453 |
| Pretax return on assets | 1.8661% | 769 |
| Return on Equity (ROE) | 20.4970% | 217 |
| Retained earnings to average equity (ytd only) | 3.9065% | 3,522 |
| Net charge-offs to loans | 0.1112% | 1,832 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 29.1327% | 1,517 |
| Efficiency ratio | 50.0485% | 5,496 |
| Assets per employee ($millions) | 5.8892% | 1,520 |
| Cash dividends to net income (ytd only)* | 80.9411% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3107% | 2,629 |
| Loan loss allowance to noncurrent loans | 243.6782% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 0.3283% | 4,087 |
| Noncurrent loans to loans | 0.5379% | 3,378 |
| Net loans and leases to total assets | 60.2304% | 3,845 |
| Net loans and leases to deposits | 66.8011% | 4,261 |
| Net loans and leases to core deposits | 68.7338% | 4,413 |
| Total domestic deposits to total assets | 90.1638% | 420 |
| Equity capital to assets | 9.6444% | 4,521 |
| Core capital (leverage) ratio | 8.3746% | 5,445 |
| Tier 1 risk-based capital ratio | 12.2171% | 4,663 |
| Total risk-based capital ratio | 13.3600% | 4,631 |
| Memoranda: | ||
| Average total assets | $331,026,000 | 2,004 |
| Average earning assets | $321,851,000 | 1,919 |
| Average equity | $30,137,000 | 2,359 |
| Average total loans | $190,679,000 | 2,201 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5963% | 4,600 |
| Cost of funding earning assets | 0.1869% | 5,262 |
| Net interest margin | 3.4094% | 3,855 |
| Noninterest income to average assets | 0.3817% | 4,011 |
| Noninterest expense to average assets | 1.8076% | 5,586 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.8917% | 404 |
| Return on assets (ROA) | 1.8923% | 421 |
| Pretax return on assets | 1.8923% | 709 |
| Return on Equity (ROE) | 21.1823% | 185 |
| Retained earnings to average equity (ytd only) | 4.4928% | 3,053 |
| Net charge-offs to loans | 0.1235% | 1,605 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 27.1111% | 1,466 |
| Efficiency ratio | 48.8635% | 5,630 |
| Assets per employee ($millions) | 5.9071% | 1,471 |
| Cash dividends to net income (ytd only)* | 78.7898% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3661% | 2,463 |
| Loan loss allowance to noncurrent loans | 206.8800% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 0.3847% | 3,951 |
| Noncurrent loans to loans | 0.6604% | 3,093 |
| Net loans and leases to total assets | 57.4681% | 4,174 |
| Net loans and leases to deposits | 63.4922% | 4,530 |
| Net loans and leases to core deposits | 65.2815% | 4,662 |
| Total domestic deposits to total assets | 90.5121% | 315 |
| Equity capital to assets | 9.3358% | 4,934 |
| Core capital (leverage) ratio | 7.7772% | 5,827 |
| Tier 1 risk-based capital ratio | 12.4268% | 4,575 |
| Total risk-based capital ratio | 13.6193% | 4,528 |
| Memoranda: | ||
| Average total assets | $335,361,670 | 1,987 |
| Average earning assets | $326,334,330 | 1,898 |
| Average equity | $29,959,000 | 2,373 |
| Average total loans | $189,542,670 | 2,215 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5488% | 4,769 |
| Cost of funding earning assets | 0.1811% | 5,364 |
| Net interest margin | 3.3677% | 3,983 |
| Noninterest income to average assets | 0.3511% | 4,213 |
| Noninterest expense to average assets | 1.7616% | 5,690 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.8661% | 424 |
| Return on assets (ROA) | 1.8673% | 452 |
| Pretax return on assets | 1.8673% | 741 |
| Return on Equity (ROE) | 21.3616% | 186 |
| Retained earnings to average equity (ytd only) | 4.5679% | 3,199 |
| Net charge-offs to loans | 0.2953% | 723 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 11.3500% | 1,867 |
| Efficiency ratio | 48.5594% | 5,700 |
| Assets per employee ($millions) | 6.3146% | 1,209 |
| Cash dividends to net income (ytd only)* | 78.6164% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3427% | 2,695 |
| Loan loss allowance to noncurrent loans | 248.1123% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 0.3029% | 4,360 |
| Noncurrent loans to loans | 0.5412% | 3,565 |
| Net loans and leases to total assets | 55.2276% | 4,334 |
| Net loans and leases to deposits | 60.6066% | 4,670 |
| Net loans and leases to core deposits | 62.1444% | 4,813 |
| Total domestic deposits to total assets | 91.1246% | 235 |
| Equity capital to assets | 8.7774% | 5,359 |
| Core capital (leverage) ratio | 8.5207% | 5,375 |
| Tier 1 risk-based capital ratio | 9.0080% | 6,057 |
| Total risk-based capital ratio | 9.8025% | 6,067 |
| Memoranda: | ||
| Average total assets | $340,598,500 | 1,964 |
| Average earning assets | $331,383,000 | 1,877 |
| Average equity | $29,773,000 | 2,381 |
| Average total loans | $189,667,500 | 2,217 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5744% | 4,740 |
| Cost of funding earning assets | 0.1848% | 5,402 |
| Net interest margin | 3.3896% | 3,953 |
| Noninterest income to average assets | 0.3810% | 4,177 |
| Noninterest expense to average assets | 1.8001% | 5,733 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.8824% | 417 |
| Return on assets (ROA) | 1.8833% | 427 |
| Pretax return on assets | 1.8833% | 678 |
| Return on Equity (ROE) | 20.7590% | 212 |
| Retained earnings to average equity (ytd only) | 1.8308% | 4,681 |
| Net charge-offs to loans | -0.1796% | 5,939 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8825% | 5,804 |
| Assets per employee ($millions) | 5.9686% | 1,411 |
| Cash dividends to net income (ytd only)* | 91.1806% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4343% | 2,277 |
| Loan loss allowance to noncurrent loans | 200.8172% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.3956% | 4,014 |
| Noncurrent loans to loans | 0.7142% | 3,042 |
| Net loans and leases to total assets | 54.5987% | 4,435 |
| Net loans and leases to deposits | 59.8268% | 4,790 |
| Net loans and leases to core deposits | 61.5002% | 4,899 |
| Total domestic deposits to total assets | 91.2612% | 223 |
| Equity capital to assets | 8.7053% | 5,387 |
| Core capital (leverage) ratio | 8.7515% | 5,163 |
| Tier 1 risk-based capital ratio | 11.2191% | 5,416 |
| Total risk-based capital ratio | 12.2792% | 5,404 |
| Memoranda: | ||
| Average total assets | $337,759,800 | 1,941 |
| Average earning assets | $328,979,000 | 1,847 |
| Average equity | $30,642,200 | 2,276 |
| Average total loans | $179,840,200 | 2,243 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5941% | 4,759 |
| Cost of funding earning assets | 0.1859% | 5,495 |
| Net interest margin | 3.4082% | 3,918 |
| Noninterest income to average assets | 0.3796% | 4,216 |
| Noninterest expense to average assets | 1.7547% | 5,842 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.9461% | 394 |
| Return on assets (ROA) | 1.9473% | 409 |
| Pretax return on assets | 1.9473% | 667 |
| Return on Equity (ROE) | 21.2474% | 210 |
| Retained earnings to average equity (ytd only) | 3.9871% | 3,629 |
| Net charge-offs to loans | -0.2574% | 6,055 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4140% | 5,900 |
| Assets per employee ($millions) | 5.7440% | 1,552 |
| Cash dividends to net income (ytd only)* | 81.2348% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4705% | 2,278 |
| Loan loss allowance to noncurrent loans | 259.8282% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 0.3201% | 4,484 |
| Noncurrent loans to loans | 0.5659% | 3,644 |
| Net loans and leases to total assets | 55.7281% | 4,386 |
| Net loans and leases to deposits | 61.7247% | 4,738 |
| Net loans and leases to core deposits | 63.6289% | 4,838 |
| Total domestic deposits to total assets | 90.2848% | 473 |
| Equity capital to assets | 9.5230% | 4,726 |
| Core capital (leverage) ratio | 8.8108% | 5,228 |
| Tier 1 risk-based capital ratio | 11.6726% | 5,280 |
| Total risk-based capital ratio | 12.7579% | 5,295 |
| Memoranda: | ||
| Average total assets | $337,147,750 | 1,955 |
| Average earning assets | $328,531,750 | 1,860 |
| Average equity | $30,898,750 | 2,276 |
| Average total loans | $177,687,250 | 2,272 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5548% | 4,848 |
| Cost of funding earning assets | 0.1857% | 5,569 |
| Net interest margin | 3.3692% | 4,018 |
| Noninterest income to average assets | 0.3825% | 4,215 |
| Noninterest expense to average assets | 1.7227% | 5,947 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.9436% | 404 |
| Return on assets (ROA) | 1.9454% | 419 |
| Pretax return on assets | 1.9454% | 670 |
| Return on Equity (ROE) | 21.4963% | 212 |
| Retained earnings to average equity (ytd only) | 3.6422% | 3,707 |
| Net charge-offs to loans | -0.4361% | 6,180 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9872% | 6,007 |
| Assets per employee ($millions) | 5.9868% | 1,365 |
| Cash dividends to net income (ytd only)* | 83.0565% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5259% | 2,183 |
| Loan loss allowance to noncurrent loans | 432.2379% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.1941% | 5,088 |
| Noncurrent loans to loans | 0.3530% | 4,436 |
| Net loans and leases to total assets | 54.1318% | 4,539 |
| Net loans and leases to deposits | 59.8081% | 4,864 |
| Net loans and leases to core deposits | 61.6579% | 4,971 |
| Total domestic deposits to total assets | 90.5092% | 447 |
| Equity capital to assets | 9.3402% | 4,846 |
| Core capital (leverage) ratio | 8.4635% | 5,568 |
| Tier 1 risk-based capital ratio | 11.4796% | 5,474 |
| Total risk-based capital ratio | 12.5759% | 5,492 |
| Memoranda: | ||
| Average total assets | $340,395,000 | 1,951 |
| Average earning assets | $331,773,670 | 1,856 |
| Average equity | $30,805,330 | 2,288 |
| Average total loans | $175,189,670 | 2,310 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4213% | 5,163 |
| Cost of funding earning assets | 0.1852% | 5,645 |
| Net interest margin | 3.2361% | 4,466 |
| Noninterest income to average assets | 0.3631% | 4,308 |
| Noninterest expense to average assets | 1.6892% | 6,023 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.8257% | 464 |
| Return on assets (ROA) | 1.8291% | 487 |
| Pretax return on assets | 1.8291% | 826 |
| Return on Equity (ROE) | 20.5251% | 247 |
| Retained earnings to average equity (ytd only) | 4.3074% | 3,429 |
| Net charge-offs to loans | -0.9148% | 6,314 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0592% | 6,016 |
| Assets per employee ($millions) | 6.2585% | 1,219 |
| Cash dividends to net income (ytd only)* | 79.0139% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6154% | 1,995 |
| Loan loss allowance to noncurrent loans | 548.2213% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.1444% | 5,377 |
| Noncurrent loans to loans | 0.2947% | 4,729 |
| Net loans and leases to total assets | 48.2053% | 5,006 |
| Net loans and leases to deposits | 52.9549% | 5,271 |
| Net loans and leases to core deposits | 54.5067% | 5,344 |
| Total domestic deposits to total assets | 91.0308% | 356 |
| Equity capital to assets | 8.8739% | 5,421 |
| Core capital (leverage) ratio | 8.3713% | 5,666 |
| Tier 1 risk-based capital ratio | 14.1493% | 3,917 |
| Total risk-based capital ratio | 15.4008% | 3,842 |
| Memoranda: | ||
| Average total assets | $345,954,500 | 1,922 |
| Average earning assets | $336,951,500 | 1,826 |
| Average equity | $30,830,500 | 2,303 |
| Average total loans | $172,282,000 | 2,346 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6938% | 4,791 |
| Cost of funding earning assets | 0.2073% | 5,685 |
| Net interest margin | 3.4866% | 3,847 |
| Noninterest income to average assets | 0.3670% | 4,451 |
| Noninterest expense to average assets | 1.8024% | 6,062 |
| Loan and lease loss provision to assets | 0.0723% | 3,038 |
| Net operating income to assets | 1.8626% | 418 |
| Return on assets (ROA) | 1.8771% | 422 |
| Pretax return on assets | 1.8771% | 674 |
| Return on Equity (ROE) | 20.0860% | 249 |
| Retained earnings to average equity (ytd only) | 0.9194% | 5,370 |
| Net charge-offs to loans | 0.0320% | 4,188 |
| Credit loss provision to net charge-offs | 440.7407% | 591 |
| Earnings coverage of net charge-offs (x) | 118.0185% | 451 |
| Efficiency ratio | 48.2291% | 6,176 |
| Assets per employee ($millions) | 6.3228% | 1,169 |
| Cash dividends to net income (ytd only)* | 95.4229% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3770% | 3,062 |
| Loan loss allowance to noncurrent loans | 421.2389% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.1655% | 5,363 |
| Noncurrent loans to loans | 0.3269% | 4,666 |
| Net loans and leases to total assets | 49.9255% | 4,984 |
| Net loans and leases to deposits | 54.8655% | 5,261 |
| Net loans and leases to core deposits | 57.0392% | 5,310 |
| Total domestic deposits to total assets | 90.9961% | 367 |
| Equity capital to assets | 8.9506% | 5,343 |
| Core capital (leverage) ratio | 8.7671% | 5,273 |
| Tier 1 risk-based capital ratio | 13.7899% | 4,241 |
| Total risk-based capital ratio | 14.9470% | 4,234 |
| Memoranda: | ||
| Average total assets | $329,386,600 | 1,974 |
| Average earning assets | $318,394,600 | 1,882 |
| Average equity | $30,782,600 | 2,232 |
| Average total loans | $168,932,600 | 2,330 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7477% | 4,718 |
| Cost of funding earning assets | 0.2125% | 5,734 |
| Net interest margin | 3.5352% | 3,696 |
| Noninterest income to average assets | 0.3575% | 4,579 |
| Noninterest expense to average assets | 1.7946% | 6,097 |
| Loan and lease loss provision to assets | 0.0805% | 2,739 |
| Net operating income to assets | 1.8939% | 427 |
| Return on assets (ROA) | 1.9127% | 425 |
| Pretax return on assets | 1.9127% | 696 |
| Return on Equity (ROE) | 20.2428% | 270 |
| Retained earnings to average equity (ytd only) | 2.9486% | 4,495 |
| Net charge-offs to loans | -0.0079% | 5,383 |
| Credit loss provision to net charge-offs | -1,970.0000% | 5,958 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6154% | 6,215 |
| Assets per employee ($millions) | 5.8920% | 1,415 |
| Cash dividends to net income (ytd only)* | 85.4336% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4437% | 2,976 |
| Loan loss allowance to noncurrent loans | 283.7072% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 0.2662% | 5,189 |
| Noncurrent loans to loans | 0.5089% | 4,403 |
| Net loans and leases to total assets | 51.5584% | 4,851 |
| Net loans and leases to deposits | 57.2822% | 5,152 |
| Net loans and leases to core deposits | 59.9816% | 5,189 |
| Total domestic deposits to total assets | 90.0078% | 727 |
| Equity capital to assets | 9.7580% | 4,474 |
| Core capital (leverage) ratio | 8.7825% | 5,358 |
| Tier 1 risk-based capital ratio | 14.5062% | 3,879 |
| Total risk-based capital ratio | 15.7182% | 3,843 |
| Memoranda: | ||
| Average total assets | $326,375,500 | 2,002 |
| Average earning assets | $314,959,750 | 1,911 |
| Average equity | $30,838,250 | 2,240 |
| Average total loans | $167,955,500 | 2,359 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6851% | 4,908 |
| Cost of funding earning assets | 0.2142% | 5,794 |
| Net interest margin | 3.4709% | 3,890 |
| Noninterest income to average assets | 0.3658% | 4,508 |
| Noninterest expense to average assets | 1.7945% | 6,154 |
| Loan and lease loss provision to assets | 0.1100% | 2,186 |
| Net operating income to assets | 1.8000% | 491 |
| Return on assets (ROA) | 1.8280% | 481 |
| Pretax return on assets | 1.8280% | 800 |
| Return on Equity (ROE) | 19.5524% | 312 |
| Retained earnings to average equity (ytd only) | 1.6770% | 5,063 |
| Net charge-offs to loans | -0.0605% | 5,961 |
| Credit loss provision to net charge-offs | -354.9020% | 5,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4416% | 6,266 |
| Assets per employee ($millions) | 5.9332% | 1,320 |
| Cash dividends to net income (ytd only)* | 91.4229% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4350% | 3,168 |
| Loan loss allowance to noncurrent loans | 296.0976% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.2513% | 5,340 |
| Noncurrent loans to loans | 0.4846% | 4,547 |
| Net loans and leases to total assets | 51.1067% | 4,846 |
| Net loans and leases to deposits | 56.5468% | 5,153 |
| Net loans and leases to core deposits | 59.1489% | 5,189 |
| Total domestic deposits to total assets | 90.3795% | 627 |
| Equity capital to assets | 9.4289% | 4,811 |
| Core capital (leverage) ratio | 8.6349% | 5,486 |
| Tier 1 risk-based capital ratio | 14.1005% | 4,197 |
| Total risk-based capital ratio | 15.3086% | 4,149 |
| Memoranda: | ||
| Average total assets | $329,111,000 | 1,982 |
| Average earning assets | $316,571,330 | 1,895 |
| Average equity | $30,768,670 | 2,230 |
| Average total loans | $168,458,670 | 2,350 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6237% | 5,093 |
| Cost of funding earning assets | 0.2143% | 5,889 |
| Net interest margin | 3.4094% | 4,078 |
| Noninterest income to average assets | 0.3316% | 4,719 |
| Noninterest expense to average assets | 1.7404% | 6,294 |
| Loan and lease loss provision to assets | 0.1089% | 2,119 |
| Net operating income to assets | 1.7948% | 489 |
| Return on assets (ROA) | 1.8348% | 475 |
| Pretax return on assets | 1.8348% | 758 |
| Return on Equity (ROE) | 19.7085% | 312 |
| Retained earnings to average equity (ytd only) | 3.4581% | 4,060 |
| Net charge-offs to loans | -0.1975% | 6,379 |
| Credit loss provision to net charge-offs | -108.4337% | 4,847 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7582% | 6,368 |
| Assets per employee ($millions) | 6.1393% | 1,208 |
| Cash dividends to net income (ytd only)* | 82.4538% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4146% | 3,524 |
| Loan loss allowance to noncurrent loans | 195.6235% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.3653% | 5,067 |
| Noncurrent loans to loans | 0.7231% | 4,055 |
| Net loans and leases to total assets | 49.8005% | 4,931 |
| Net loans and leases to deposits | 55.0416% | 5,194 |
| Net loans and leases to core deposits | 58.4655% | 5,169 |
| Total domestic deposits to total assets | 90.4778% | 810 |
| Equity capital to assets | 9.4003% | 4,623 |
| Core capital (leverage) ratio | 8.6662% | 5,433 |
| Tier 1 risk-based capital ratio | 14.3247% | 4,113 |
| Total risk-based capital ratio | 15.5219% | 4,099 |
| Memoranda: | ||
| Average total assets | $330,504,000 | 1,980 |
| Average earning assets | $321,110,500 | 1,879 |
| Average equity | $30,768,500 | 2,222 |
| Average total loans | $168,087,000 | 2,364 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8091% | 4,786 |
| Cost of funding earning assets | 0.2446% | 6,004 |
| Net interest margin | 3.5645% | 3,625 |
| Noninterest income to average assets | 0.3474% | 4,837 |
| Noninterest expense to average assets | 1.7707% | 6,370 |
| Loan and lease loss provision to assets | 0.0473% | 4,177 |
| Net operating income to assets | 1.9769% | 355 |
| Return on assets (ROA) | 2.0383% | 318 |
| Pretax return on assets | 2.0383% | 439 |
| Return on Equity (ROE) | 22.0413% | 198 |
| Retained earnings to average equity (ytd only) | 1.6960% | 5,022 |
| Net charge-offs to loans | 0.0536% | 4,472 |
| Credit loss provision to net charge-offs | 174.4444% | 1,314 |
| Earnings coverage of net charge-offs (x) | 74.7111% | 576 |
| Efficiency ratio | 46.6603% | 6,532 |
| Assets per employee ($millions) | 5.6808% | 1,489 |
| Cash dividends to net income (ytd only)* | 92.3054% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3017% | 4,135 |
| Loan loss allowance to noncurrent loans | 185.4730% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 0.3593% | 5,177 |
| Noncurrent loans to loans | 0.7018% | 4,222 |
| Net loans and leases to total assets | 50.5361% | 5,025 |
| Net loans and leases to deposits | 55.7009% | 5,330 |
| Net loans and leases to core deposits | 58.7525% | 5,327 |
| Total domestic deposits to total assets | 90.7277% | 695 |
| Equity capital to assets | 9.2183% | 4,784 |
| Core capital (leverage) ratio | 8.8512% | 5,211 |
| Tier 1 risk-based capital ratio | 14.3452% | 4,053 |
| Total risk-based capital ratio | 15.4671% | 4,088 |
| Memoranda: | ||
| Average total assets | $332,189,400 | 1,938 |
| Average earning assets | $321,282,600 | 1,851 |
| Average equity | $30,719,600 | 2,212 |
| Average total loans | $167,933,400 | 2,326 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8144% | 4,803 |
| Cost of funding earning assets | 0.2526% | 6,066 |
| Net interest margin | 3.5619% | 3,611 |
| Noninterest income to average assets | 0.3445% | 4,935 |
| Noninterest expense to average assets | 1.7877% | 6,359 |
| Loan and lease loss provision to assets | 0.0869% | 3,319 |
| Net operating income to assets | 1.9102% | 428 |
| Return on assets (ROA) | 1.9631% | 402 |
| Pretax return on assets | 1.9631% | 628 |
| Return on Equity (ROE) | 21.2116% | 236 |
| Retained earnings to average equity (ytd only) | 2.8175% | 4,632 |
| Net charge-offs to loans | 0.1391% | 3,145 |
| Credit loss provision to net charge-offs | 124.0000% | 1,897 |
| Earnings coverage of net charge-offs (x) | 28.4911% | 1,281 |
| Efficiency ratio | 47.2325% | 6,539 |
| Assets per employee ($millions) | 5.4608% | 1,669 |
| Cash dividends to net income (ytd only)* | 86.7171% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2828% | 4,482 |
| Loan loss allowance to noncurrent loans | 252.7357% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.2712% | 5,632 |
| Noncurrent loans to loans | 0.5076% | 4,925 |
| Net loans and leases to total assets | 52.7478% | 4,784 |
| Net loans and leases to deposits | 58.4934% | 5,139 |
| Net loans and leases to core deposits | 61.7291% | 5,143 |
| Total domestic deposits to total assets | 90.1773% | 906 |
| Equity capital to assets | 9.5872% | 4,439 |
| Core capital (leverage) ratio | 8.7455% | 5,483 |
| Tier 1 risk-based capital ratio | 14.5542% | 4,044 |
| Total risk-based capital ratio | 15.6743% | 4,084 |
| Memoranda: | ||
| Average total assets | $332,865,000 | 1,942 |
| Average earning assets | $321,507,750 | 1,858 |
| Average equity | $30,806,250 | 2,227 |
| Average total loans | $167,740,250 | 2,333 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7466% | 4,995 |
| Cost of funding earning assets | 0.2592% | 6,110 |
| Net interest margin | 3.4874% | 3,828 |
| Noninterest income to average assets | 0.3347% | 5,009 |
| Noninterest expense to average assets | 1.7289% | 6,469 |
| Loan and lease loss provision to assets | 0.1088% | 2,977 |
| Net operating income to assets | 1.8785% | 443 |
| Return on assets (ROA) | 1.9306% | 429 |
| Pretax return on assets | 1.9306% | 694 |
| Return on Equity (ROE) | 21.0963% | 244 |
| Retained earnings to average equity (ytd only) | 3.3276% | 4,193 |
| Net charge-offs to loans | 0.2248% | 2,390 |
| Credit loss provision to net charge-offs | 97.8723% | 2,286 |
| Earnings coverage of net charge-offs (x) | 17.8777% | 1,581 |
| Efficiency ratio | 46.5235% | 6,610 |
| Assets per employee ($millions) | 5.8313% | 1,325 |
| Cash dividends to net income (ytd only)* | 84.2266% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2527% | 4,727 |
| Loan loss allowance to noncurrent loans | 263.3209% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.2516% | 5,733 |
| Noncurrent loans to loans | 0.4757% | 5,071 |
| Net loans and leases to total assets | 52.2292% | 4,828 |
| Net loans and leases to deposits | 57.9118% | 5,167 |
| Net loans and leases to core deposits | 60.8321% | 5,189 |
| Total domestic deposits to total assets | 90.1875% | 925 |
| Equity capital to assets | 9.5048% | 4,573 |
| Core capital (leverage) ratio | 8.5586% | 5,595 |
| Tier 1 risk-based capital ratio | 13.4438% | 4,811 |
| Total risk-based capital ratio | 14.4614% | 4,923 |
| Memoranda: | ||
| Average total assets | $338,244,670 | 1,918 |
| Average earning assets | $327,976,330 | 1,827 |
| Average equity | $30,953,330 | 2,225 |
| Average total loans | $167,241,330 | 2,337 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6204% | 5,389 |
| Cost of funding earning assets | 0.2636% | 6,202 |
| Net interest margin | 3.3568% | 4,286 |
| Noninterest income to average assets | 0.3262% | 5,095 |
| Noninterest expense to average assets | 1.6576% | 6,619 |
| Loan and lease loss provision to assets | 0.1072% | 2,907 |
| Net operating income to assets | 1.8201% | 466 |
| Return on assets (ROA) | 1.8501% | 482 |
| Pretax return on assets | 1.8501% | 802 |
| Return on Equity (ROE) | 20.5848% | 259 |
| Retained earnings to average equity (ytd only) | 4.5530% | 3,500 |
| Net charge-offs to loans | 0.2096% | 2,162 |
| Credit loss provision to net charge-offs | 106.8966% | 1,733 |
| Earnings coverage of net charge-offs (x) | 19.2184% | 1,230 |
| Efficiency ratio | 46.2379% | 6,684 |
| Assets per employee ($millions) | 6.0865% | 1,196 |
| Cash dividends to net income (ytd only)* | 77.8816% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2753% | 4,821 |
| Loan loss allowance to noncurrent loans | 325.4573% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.1925% | 5,996 |
| Noncurrent loans to loans | 0.3919% | 5,436 |
| Net loans and leases to total assets | 48.4895% | 5,175 |
| Net loans and leases to deposits | 53.4774% | 5,474 |
| Net loans and leases to core deposits | 56.4232% | 5,485 |
| Total domestic deposits to total assets | 90.6728% | 684 |
| Equity capital to assets | 9.2348% | 5,218 |
| Core capital (leverage) ratio | 8.0683% | 6,081 |
| Tier 1 risk-based capital ratio | 13.0626% | 5,171 |
| Total risk-based capital ratio | 14.0618% | 5,309 |
| Memoranda: | ||
| Average total assets | $347,005,500 | 1,907 |
| Average earning assets | $336,866,500 | 1,795 |
| Average equity | $31,188,000 | 2,227 |
| Average total loans | $166,044,000 | 2,364 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0468% | 5,158 |
| Cost of funding earning assets | 0.3838% | 6,026 |
| Net interest margin | 3.6630% | 3,814 |
| Noninterest income to average assets | 0.3635% | 4,880 |
| Noninterest expense to average assets | 1.7580% | 6,670 |
| Loan and lease loss provision to assets | 0.0943% | 4,489 |
| Net operating income to assets | 2.0484% | 328 |
| Return on assets (ROA) | 2.0661% | 349 |
| Pretax return on assets | 2.0661% | 526 |
| Return on Equity (ROE) | 22.9714% | 182 |
| Retained earnings to average equity (ytd only) | 5.0148% | 2,691 |
| Net charge-offs to loans | 0.0585% | 5,110 |
| Credit loss provision to net charge-offs | 348.9130% | 701 |
| Earnings coverage of net charge-offs (x) | 79.3152% | 479 |
| Efficiency ratio | 45.0693% | 6,815 |
| Assets per employee ($millions) | 6.3066% | 1,098 |
| Cash dividends to net income (ytd only)* | 78.1694% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2928% | 4,667 |
| Loan loss allowance to noncurrent loans | 261.5479% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.2305% | 5,984 |
| Noncurrent loans to loans | 0.4943% | 5,295 |
| Net loans and leases to total assets | 46.0265% | 5,609 |
| Net loans and leases to deposits | 50.4558% | 5,928 |
| Net loans and leases to core deposits | 53.2068% | 5,928 |
| Total domestic deposits to total assets | 91.2215% | 422 |
| Equity capital to assets | 8.7494% | 5,799 |
| Core capital (leverage) ratio | 8.1275% | 6,061 |
| Tier 1 risk-based capital ratio | 13.0221% | 5,090 |
| Total risk-based capital ratio | 14.0281% | 5,207 |
| Memoranda: | ||
| Average total assets | $340,551,600 | 1,902 |
| Average earning assets | $328,855,000 | 1,800 |
| Average equity | $30,629,400 | 2,213 |
| Average total loans | $157,152,600 | 2,471 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1073% | 5,160 |
| Cost of funding earning assets | 0.4150% | 6,030 |
| Net interest margin | 3.6924% | 3,831 |
| Noninterest income to average assets | 0.3616% | 4,930 |
| Noninterest expense to average assets | 1.7716% | 6,710 |
| Loan and lease loss provision to assets | 0.0885% | 4,500 |
| Net operating income to assets | 2.0636% | 351 |
| Return on assets (ROA) | 2.0806% | 385 |
| Pretax return on assets | 2.0806% | 594 |
| Return on Equity (ROE) | 22.9693% | 194 |
| Retained earnings to average equity (ytd only) | 5.5187% | 3,022 |
| Net charge-offs to loans | 0.0756% | 4,653 |
| Credit loss provision to net charge-offs | 254.5455% | 1,078 |
| Earnings coverage of net charge-offs (x) | 61.8866% | 638 |
| Efficiency ratio | 45.1506% | 6,861 |
| Assets per employee ($millions) | 6.1565% | 1,153 |
| Cash dividends to net income (ytd only)* | 75.9735% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2667% | 4,968 |
| Loan loss allowance to noncurrent loans | 218.0942% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.2709% | 6,023 |
| Noncurrent loans to loans | 0.5808% | 5,279 |
| Net loans and leases to total assets | 46.0522% | 5,759 |
| Net loans and leases to deposits | 50.8787% | 6,049 |
| Net loans and leases to core deposits | 54.0584% | 6,042 |
| Total domestic deposits to total assets | 90.5138% | 597 |
| Equity capital to assets | 9.3041% | 5,461 |
| Core capital (leverage) ratio | 8.1915% | 6,154 |
| Tier 1 risk-based capital ratio | 12.9098% | 5,324 |
| Total risk-based capital ratio | 13.8735% | 5,503 |
| Memoranda: | ||
| Average total assets | $337,397,500 | 1,933 |
| Average earning assets | $325,490,250 | 1,847 |
| Average equity | $30,561,750 | 2,241 |
| Average total loans | $155,270,750 | 2,531 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1707% | 5,052 |
| Cost of funding earning assets | 0.4484% | 5,984 |
| Net interest margin | 3.7223% | 3,716 |
| Noninterest income to average assets | 0.3732% | 4,850 |
| Noninterest expense to average assets | 1.7525% | 6,797 |
| Loan and lease loss provision to assets | 0.0788% | 4,621 |
| Net operating income to assets | 2.1204% | 328 |
| Return on assets (ROA) | 2.1269% | 359 |
| Pretax return on assets | 2.1269% | 548 |
| Return on Equity (ROE) | 23.7019% | 188 |
| Retained earnings to average equity (ytd only) | 5.4031% | 3,046 |
| Net charge-offs to loans | 0.0156% | 5,203 |
| Credit loss provision to net charge-offs | 1,100.0000% | 300 |
| Earnings coverage of net charge-offs (x) | 306.9167% | 136 |
| Efficiency ratio | 44.3487% | 6,942 |
| Assets per employee ($millions) | 5.6469% | 1,481 |
| Cash dividends to net income (ytd only)* | 77.2038% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3151% | 4,827 |
| Loan loss allowance to noncurrent loans | 139.5718% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 0.4346% | 5,690 |
| Noncurrent loans to loans | 0.9422% | 4,626 |
| Net loans and leases to total assets | 45.5195% | 5,861 |
| Net loans and leases to deposits | 50.0343% | 6,181 |
| Net loans and leases to core deposits | 54.1777% | 6,084 |
| Total domestic deposits to total assets | 90.9767% | 455 |
| Equity capital to assets | 8.8637% | 5,848 |
| Core capital (leverage) ratio | 8.1102% | 6,151 |
| Tier 1 risk-based capital ratio | 13.0093% | 5,182 |
| Total risk-based capital ratio | 13.9891% | 5,354 |
| Memoranda: | ||
| Average total assets | $334,942,330 | 1,942 |
| Average earning assets | $322,008,670 | 1,860 |
| Average equity | $30,056,670 | 2,249 |
| Average total loans | $153,425,000 | 2,561 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2710% | 4,844 |
| Cost of funding earning assets | 0.4838% | 5,912 |
| Net interest margin | 3.7871% | 3,451 |
| Noninterest income to average assets | 0.3728% | 4,878 |
| Noninterest expense to average assets | 1.7557% | 6,848 |
| Loan and lease loss provision to assets | 0.0357% | 4,934 |
| Net operating income to assets | 2.1987% | 296 |
| Return on assets (ROA) | 2.2083% | 342 |
| Pretax return on assets | 2.2083% | 529 |
| Return on Equity (ROE) | 24.4595% | 201 |
| Retained earnings to average equity (ytd only) | 4.6703% | 3,765 |
| Net charge-offs to loans | 0.0470% | 4,048 |
| Credit loss provision to net charge-offs | 166.6667% | 1,525 |
| Earnings coverage of net charge-offs (x) | 104.2222% | 335 |
| Efficiency ratio | 44.0000% | 6,991 |
| Assets per employee ($millions) | 5.8530% | 1,382 |
| Cash dividends to net income (ytd only)* | 80.9061% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2712% | 5,153 |
| Loan loss allowance to noncurrent loans | 251.0499% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.2284% | 6,309 |
| Noncurrent loans to loans | 0.5064% | 5,659 |
| Net loans and leases to total assets | 44.5336% | 5,954 |
| Net loans and leases to deposits | 48.9786% | 6,226 |
| Net loans and leases to core deposits | 54.0269% | 6,054 |
| Total domestic deposits to total assets | 90.9248% | 590 |
| Equity capital to assets | 8.9443% | 5,579 |
| Core capital (leverage) ratio | 8.0063% | 6,255 |
| Tier 1 risk-based capital ratio | 12.8505% | 5,322 |
| Total risk-based capital ratio | 13.7824% | 5,542 |
| Memoranda: | ||
| Average total assets | $335,829,000 | 1,946 |
| Average earning assets | $320,770,500 | 1,875 |
| Average equity | $30,319,500 | 2,243 |
| Average total loans | $153,298,500 | 2,584 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6661% | 4,393 |
| Cost of funding earning assets | 0.6600% | 5,769 |
| Net interest margin | 4.0062% | 2,850 |
| Noninterest income to average assets | 0.3749% | 4,828 |
| Noninterest expense to average assets | 1.8519% | 6,895 |
| Loan and lease loss provision to assets | 0.1620% | 4,609 |
| Net operating income to assets | 2.2277% | 217 |
| Return on assets (ROA) | 2.2674% | 214 |
| Pretax return on assets | 2.2674% | 324 |
| Return on Equity (ROE) | 24.2841% | 129 |
| Retained earnings to average equity (ytd only) | 4.1897% | 3,197 |
| Net charge-offs to loans | 0.2518% | 4,203 |
| Credit loss provision to net charge-offs | 134.8958% | 2,230 |
| Earnings coverage of net charge-offs (x) | 19.9010% | 1,152 |
| Efficiency ratio | 43.6597% | 7,132 |
| Assets per employee ($millions) | 5.8282% | 1,350 |
| Cash dividends to net income (ytd only)* | 82.7472% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2177% | 5,306 |
| Loan loss allowance to noncurrent loans | 244.9742% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.2296% | 6,387 |
| Noncurrent loans to loans | 0.4971% | 5,715 |
| Net loans and leases to total assets | 45.6191% | 6,043 |
| Net loans and leases to deposits | 50.2157% | 6,352 |
| Net loans and leases to core deposits | 55.9838% | 6,160 |
| Total domestic deposits to total assets | 90.8462% | 568 |
| Equity capital to assets | 9.1112% | 5,399 |
| Core capital (leverage) ratio | 8.2350% | 5,944 |
| Tier 1 risk-based capital ratio | 12.4513% | 5,490 |
| Total risk-based capital ratio | 13.3608% | 5,733 |
| Memoranda: | ||
| Average total assets | $319,786,600 | 2,010 |
| Average earning assets | $308,650,000 | 1,903 |
| Average equity | $29,859,000 | 2,210 |
| Average total loans | $152,524,200 | 2,607 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7435% | 4,263 |
| Cost of funding earning assets | 0.6885% | 5,835 |
| Net interest margin | 4.0550% | 2,671 |
| Noninterest income to average assets | 0.3802% | 4,810 |
| Noninterest expense to average assets | 1.8738% | 6,885 |
| Loan and lease loss provision to assets | 0.1383% | 4,710 |
| Net operating income to assets | 2.3090% | 206 |
| Return on assets (ROA) | 2.3542% | 205 |
| Pretax return on assets | 2.3542% | 328 |
| Return on Equity (ROE) | 25.0511% | 129 |
| Retained earnings to average equity (ytd only) | 4.7978% | 3,314 |
| Net charge-offs to loans | 0.2269% | 4,019 |
| Credit loss provision to net charge-offs | 126.7442% | 2,530 |
| Earnings coverage of net charge-offs (x) | 22.4264% | 1,152 |
| Efficiency ratio | 43.3634% | 7,165 |
| Assets per employee ($millions) | 5.3687% | 1,739 |
| Cash dividends to net income (ytd only)* | 80.8480% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2130% | 5,415 |
| Loan loss allowance to noncurrent loans | 173.0443% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.3350% | 6,233 |
| Noncurrent loans to loans | 0.7010% | 5,478 |
| Net loans and leases to total assets | 47.2046% | 6,036 |
| Net loans and leases to deposits | 52.6286% | 6,318 |
| Net loans and leases to core deposits | 60.4751% | 5,944 |
| Total domestic deposits to total assets | 89.6938% | 1,047 |
| Equity capital to assets | 9.9198% | 4,449 |
| Core capital (leverage) ratio | 8.1597% | 6,181 |
| Tier 1 risk-based capital ratio | 12.6745% | 5,348 |
| Total risk-based capital ratio | 13.5751% | 5,632 |
| Memoranda: | ||
| Average total assets | $315,224,250 | 2,036 |
| Average earning assets | $306,345,500 | 1,929 |
| Average equity | $29,624,000 | 2,220 |
| Average total loans | $151,627,750 | 2,641 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7950% | 4,115 |
| Cost of funding earning assets | 0.7014% | 5,951 |
| Net interest margin | 4.0936% | 2,434 |
| Noninterest income to average assets | 0.3699% | 4,912 |
| Noninterest expense to average assets | 1.9808% | 6,832 |
| Loan and lease loss provision to assets | 0.1144% | 4,860 |
| Net operating income to assets | 2.2471% | 243 |
| Return on assets (ROA) | 2.3107% | 231 |
| Pretax return on assets | 2.3107% | 344 |
| Return on Equity (ROE) | 25.0543% | 133 |
| Retained earnings to average equity (ytd only) | 0.9371% | 5,494 |
| Net charge-offs to loans | 0.1463% | 4,312 |
| Credit loss provision to net charge-offs | 162.1622% | 1,868 |
| Earnings coverage of net charge-offs (x) | 33.4775% | 855 |
| Efficiency ratio | 45.6169% | 7,171 |
| Assets per employee ($millions) | 5.5171% | 1,559 |
| Cash dividends to net income (ytd only)* | 96.2596% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2105% | 5,502 |
| Loan loss allowance to noncurrent loans | 222.5455% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.2841% | 6,421 |
| Noncurrent loans to loans | 0.5439% | 5,825 |
| Net loans and leases to total assets | 46.8238% | 6,172 |
| Net loans and leases to deposits | 51.7719% | 6,489 |
| Net loans and leases to core deposits | 59.5926% | 6,127 |
| Total domestic deposits to total assets | 90.4426% | 741 |
| Equity capital to assets | 9.2186% | 5,252 |
| Core capital (leverage) ratio | 7.8382% | 6,471 |
| Tier 1 risk-based capital ratio | 12.1770% | 5,633 |
| Total risk-based capital ratio | 13.0745% | 5,904 |
| Memoranda: | ||
| Average total assets | $314,715,330 | 2,046 |
| Average earning assets | $305,403,670 | 1,940 |
| Average equity | $29,025,000 | 2,242 |
| Average total loans | $151,718,000 | 2,663 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8169% | 3,981 |
| Cost of funding earning assets | 0.7074% | 6,091 |
| Net interest margin | 4.1096% | 2,232 |
| Noninterest income to average assets | 0.3730% | 4,928 |
| Noninterest expense to average assets | 1.9726% | 6,870 |
| Loan and lease loss provision to assets | 0.1141% | 4,587 |
| Net operating income to assets | 2.2776% | 236 |
| Return on assets (ROA) | 2.3686% | 213 |
| Pretax return on assets | 2.3686% | 300 |
| Return on Equity (ROE) | 25.6774% | 151 |
| Retained earnings to average equity (ytd only) | 4.8353% | 3,290 |
| Net charge-offs to loans | 0.1713% | 3,458 |
| Credit loss provision to net charge-offs | 136.9231% | 2,039 |
| Earnings coverage of net charge-offs (x) | 28.7077% | 854 |
| Efficiency ratio | 45.1982% | 7,237 |
| Assets per employee ($millions) | 5.3757% | 1,691 |
| Cash dividends to net income (ytd only)* | 81.1688% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1742% | 5,750 |
| Loan loss allowance to noncurrent loans | 210.7059% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.7255% | 5,479 |
| Noncurrent loans to loans | 0.5573% | 5,910 |
| Net loans and leases to total assets | 47.5281% | 6,133 |
| Net loans and leases to deposits | 52.5243% | 6,435 |
| Net loans and leases to core deposits | 60.0437% | 6,093 |
| Total domestic deposits to total assets | 90.4879% | 848 |
| Equity capital to assets | 9.2911% | 4,742 |
| Core capital (leverage) ratio | 7.9901% | 6,269 |
| Tier 1 risk-based capital ratio | 12.1777% | 5,528 |
| Total risk-based capital ratio | 13.0459% | 5,865 |
| Memoranda: | ||
| Average total assets | $312,076,500 | 2,085 |
| Average earning assets | $303,098,000 | 1,968 |
| Average equity | $28,788,000 | 2,247 |
| Average total loans | $151,742,500 | 2,692 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0491% | 4,320 |
| Cost of funding earning assets | 0.8498% | 6,370 |
| Net interest margin | 4.1993% | 2,190 |
| Noninterest income to average assets | 0.3804% | 5,058 |
| Noninterest expense to average assets | 1.8744% | 7,196 |
| Loan and lease loss provision to assets | 0.4470% | 3,445 |
| Net operating income to assets | 2.1158% | 228 |
| Return on assets (ROA) | 2.2045% | 206 |
| Pretax return on assets | 2.2045% | 318 |
| Return on Equity (ROE) | 23.9136% | 118 |
| Retained earnings to average equity (ytd only) | 5.2203% | 2,297 |
| Net charge-offs to loans | 0.6469% | 3,079 |
| Credit loss provision to net charge-offs | 154.9390% | 2,284 |
| Earnings coverage of net charge-offs (x) | 8.8835% | 1,905 |
| Efficiency ratio | 42.2427% | 7,456 |
| Assets per employee ($millions) | 4.9514% | 2,218 |
| Cash dividends to net income (ytd only)* | 78.1699% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1706% | 5,641 |
| Loan loss allowance to noncurrent loans | 74.2749% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 0.7749% | 5,465 |
| Noncurrent loans to loans | 1.5760% | 4,139 |
| Net loans and leases to total assets | 48.5962% | 6,323 |
| Net loans and leases to deposits | 55.7351% | 6,465 |
| Net loans and leases to core deposits | 64.4645% | 6,016 |
| Total domestic deposits to total assets | 87.1914% | 2,719 |
| Equity capital to assets | 9.1560% | 4,909 |
| Core capital (leverage) ratio | 8.0951% | 6,025 |
| Tier 1 risk-based capital ratio | 12.3554% | 5,156 |
| Total risk-based capital ratio | 13.2367% | 5,467 |
| Memoranda: | ||
| Average total assets | $312,311,800 | 2,075 |
| Average earning assets | $301,719,200 | 1,966 |
| Average equity | $28,791,200 | 2,260 |
| Average total loans | $139,272,000 | 2,965 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0844% | 4,405 |
| Cost of funding earning assets | 0.8817% | 6,469 |
| Net interest margin | 4.2027% | 2,205 |
| Noninterest income to average assets | 0.3771% | 5,139 |
| Noninterest expense to average assets | 1.8267% | 7,302 |
| Loan and lease loss provision to assets | 0.3809% | 3,603 |
| Net operating income to assets | 2.2199% | 232 |
| Return on assets (ROA) | 2.3338% | 192 |
| Pretax return on assets | 2.3338% | 315 |
| Return on Equity (ROE) | 25.2739% | 115 |
| Retained earnings to average equity (ytd only) | 0.4972% | 5,602 |
| Net charge-offs to loans | 0.4381% | 3,544 |
| Credit loss provision to net charge-offs | 200.0000% | 1,782 |
| Earnings coverage of net charge-offs (x) | 13.6562% | 1,571 |
| Efficiency ratio | 41.2578% | 7,545 |
| Assets per employee ($millions) | 4.9483% | 2,247 |
| Cash dividends to net income (ytd only)* | 98.0327% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1658% | 5,643 |
| Loan loss allowance to noncurrent loans | 62.4773% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 0.9117% | 5,285 |
| Noncurrent loans to loans | 1.8659% | 3,847 |
| Net loans and leases to total assets | 47.5304% | 6,562 |
| Net loans and leases to deposits | 52.9179% | 6,839 |
| Net loans and leases to core deposits | 60.9452% | 6,542 |
| Total domestic deposits to total assets | 89.8192% | 963 |
| Equity capital to assets | 9.5149% | 4,821 |
| Core capital (leverage) ratio | 7.4678% | 6,865 |
| Tier 1 risk-based capital ratio | 11.6363% | 5,804 |
| Total risk-based capital ratio | 12.4925% | 6,146 |
| Memoranda: | ||
| Average total assets | $313,642,500 | 2,101 |
| Average earning assets | $302,276,000 | 1,996 |
| Average equity | $28,962,000 | 2,274 |
| Average total loans | $136,352,000 | 3,048 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0330% | 4,784 |
| Cost of funding earning assets | 0.8991% | 6,586 |
| Net interest margin | 4.1338% | 2,404 |
| Noninterest income to average assets | 0.3786% | 5,096 |
| Noninterest expense to average assets | 1.7688% | 7,428 |
| Loan and lease loss provision to assets | 0.3425% | 3,679 |
| Net operating income to assets | 2.2461% | 210 |
| Return on assets (ROA) | 2.2543% | 230 |
| Pretax return on assets | 2.2543% | 372 |
| Return on Equity (ROE) | 24.6558% | 130 |
| Retained earnings to average equity (ytd only) | 0.4224% | 5,599 |
| Net charge-offs to loans | 0.6077% | 2,711 |
| Credit loss provision to net charge-offs | 134.2432% | 2,991 |
| Earnings coverage of net charge-offs (x) | 10.1464% | 1,930 |
| Efficiency ratio | 40.5928% | 7,633 |
| Assets per employee ($millions) | 5.2416% | 1,881 |
| Cash dividends to net income (ytd only)* | 98.2870% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9964% | 6,422 |
| Loan loss allowance to noncurrent loans | 54.7998% | 4,655 |
| Noncurrent assets plus other real estate owned to assets | 0.8181% | 5,488 |
| Noncurrent loans to loans | 1.8183% | 3,975 |
| Net loans and leases to total assets | 44.5459% | 6,884 |
| Net loans and leases to deposits | 50.8831% | 7,033 |
| Net loans and leases to core deposits | 59.3937% | 6,750 |
| Total domestic deposits to total assets | 87.5455% | 2,235 |
| Equity capital to assets | 9.4892% | 4,717 |
| Core capital (leverage) ratio | 7.4535% | 6,868 |
| Tier 1 risk-based capital ratio | 11.4651% | 5,805 |
| Total risk-based capital ratio | 12.1580% | 6,324 |
| Memoranda: | ||
| Average total assets | $315,925,670 | 2,109 |
| Average earning assets | $304,075,000 | 2,002 |
| Average equity | $28,885,670 | 2,268 |
| Average total loans | $132,622,670 | 3,158 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0432% | 4,818 |
| Cost of funding earning assets | 0.9157% | 6,709 |
| Net interest margin | 4.1274% | 2,330 |
| Noninterest income to average assets | 0.3676% | 5,201 |
| Noninterest expense to average assets | 1.7193% | 7,559 |
| Loan and lease loss provision to assets | 0.0379% | 6,296 |
| Net operating income to assets | 2.5733% | 135 |
| Return on assets (ROA) | 2.5808% | 144 |
| Pretax return on assets | 2.5808% | 222 |
| Return on Equity (ROE) | 28.7676% | 103 |
| Retained earnings to average equity (ytd only) | -6.4350% | 6,689 |
| Net charge-offs to loans | 0.0374% | 5,053 |
| Credit loss provision to net charge-offs | 250.0000% | 1,539 |
| Earnings coverage of net charge-offs (x) | 172.2500% | 198 |
| Efficiency ratio | 39.7025% | 7,740 |
| Assets per employee ($millions) | 5.2805% | 1,881 |
| Cash dividends to net income (ytd only)* | 122.3691% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0008% | 6,468 |
| Loan loss allowance to noncurrent loans | 109.4148% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.4012% | 6,470 |
| Noncurrent loans to loans | 0.9147% | 5,488 |
| Net loans and leases to total assets | 40.9570% | 7,190 |
| Net loans and leases to deposits | 46.4470% | 7,315 |
| Net loans and leases to core deposits | 53.0623% | 7,155 |
| Total domestic deposits to total assets | 88.1800% | 1,957 |
| Equity capital to assets | 9.0718% | 5,170 |
| Core capital (leverage) ratio | 7.2682% | 7,058 |
| Tier 1 risk-based capital ratio | 11.7783% | 5,418 |
| Total risk-based capital ratio | 12.4444% | 5,921 |
| Memoranda: | ||
| Average total assets | $316,640,500 | 2,151 |
| Average earning assets | $304,014,000 | 2,058 |
| Average equity | $28,407,000 | 2,337 |
| Average total loans | $128,181,500 | 3,294 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2994% | 5,176 |
| Cost of funding earning assets | 1.0577% | 7,081 |
| Net interest margin | 4.2417% | 1,927 |
| Noninterest income to average assets | 0.3894% | 5,298 |
| Noninterest expense to average assets | 1.8708% | 7,544 |
| Loan and lease loss provision to assets | 0.2376% | 5,474 |
| Net operating income to assets | 2.3844% | 105 |
| Return on assets (ROA) | 2.5761% | 87 |
| Pretax return on assets | 2.5761% | 144 |
| Return on Equity (ROE) | 30.1215% | 49 |
| Retained earnings to average equity (ytd only) | 9.4749% | 431 |
| Net charge-offs to loans | 0.3357% | 4,557 |
| Credit loss provision to net charge-offs | 189.2583% | 2,123 |
| Earnings coverage of net charge-offs (x) | 20.8875% | 1,019 |
| Efficiency ratio | 41.6393% | 7,835 |
| Assets per employee ($millions) | 5.4531% | 1,691 |
| Cash dividends to net income (ytd only)* | 68.5444% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9979% | 6,404 |
| Loan loss allowance to noncurrent loans | 139.7802% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.2828% | 6,742 |
| Noncurrent loans to loans | 0.7139% | 5,819 |
| Net loans and leases to total assets | 39.2252% | 7,388 |
| Net loans and leases to deposits | 47.0595% | 7,391 |
| Net loans and leases to core deposits | 57.2281% | 7,364 |
| Total domestic deposits to total assets | 83.3523% | 4,361 |
| Equity capital to assets | 8.8742% | 5,316 |
| Core capital (leverage) ratio | 7.3516% | 6,935 |
| Tier 1 risk-based capital ratio | 11.9537% | 4,983 |
| Total risk-based capital ratio | 12.6072% | 5,509 |
| Memoranda: | ||
| Average total assets | $311,477,200 | 2,155 |
| Average earning assets | $301,318,600 | 2,065 |
| Average equity | $26,638,800 | 2,479 |
| Average total loans | $116,466,600 | 3,559 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3330% | 5,257 |
| Cost of funding earning assets | 1.0859% | 7,200 |
| Net interest margin | 4.2471% | 1,880 |
| Noninterest income to average assets | 0.3975% | 5,303 |
| Noninterest expense to average assets | 1.9207% | 7,511 |
| Loan and lease loss provision to assets | 0.1705% | 5,657 |
| Net operating income to assets | 2.4321% | 113 |
| Return on assets (ROA) | 2.6863% | 90 |
| Pretax return on assets | 2.6863% | 148 |
| Return on Equity (ROE) | 31.7210% | 46 |
| Retained earnings to average equity (ytd only) | 11.3348% | 435 |
| Net charge-offs to loans | 0.4080% | 3,627 |
| Credit loss provision to net charge-offs | 113.5057% | 4,480 |
| Earnings coverage of net charge-offs (x) | 17.3275% | 1,413 |
| Efficiency ratio | 42.4618% | 7,877 |
| Assets per employee ($millions) | 5.4395% | 1,678 |
| Cash dividends to net income (ytd only)* | 64.2673% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8060% | 7,096 |
| Loan loss allowance to noncurrent loans | 102.3207% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 0.3005% | 6,736 |
| Noncurrent loans to loans | 0.7877% | 5,724 |
| Net loans and leases to total assets | 37.8403% | 7,556 |
| Net loans and leases to deposits | 43.8090% | 7,625 |
| Net loans and leases to core deposits | 53.2955% | 7,612 |
| Total domestic deposits to total assets | 86.3756% | 2,494 |
| Equity capital to assets | 8.9064% | 5,624 |
| Core capital (leverage) ratio | 7.2979% | 7,191 |
| Tier 1 risk-based capital ratio | 12.0541% | 4,925 |
| Total risk-based capital ratio | 12.5632% | 5,570 |
| Memoranda: | ||
| Average total assets | $308,913,500 | 2,179 |
| Average earning assets | $300,088,000 | 2,087 |
| Average equity | $26,160,750 | 2,547 |
| Average total loans | $113,715,250 | 3,643 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3771% | 5,265 |
| Cost of funding earning assets | 1.1463% | 7,258 |
| Net interest margin | 4.2308% | 1,877 |
| Noninterest income to average assets | 0.3932% | 5,347 |
| Noninterest expense to average assets | 1.9412% | 7,568 |
| Loan and lease loss provision to assets | 0.2380% | 4,682 |
| Net operating income to assets | 2.3220% | 154 |
| Return on assets (ROA) | 2.7008% | 96 |
| Pretax return on assets | 2.7008% | 153 |
| Return on Equity (ROE) | 32.4676% | 52 |
| Retained earnings to average equity (ytd only) | 8.9517% | 954 |
| Net charge-offs to loans | 0.0915% | 5,271 |
| Credit loss provision to net charge-offs | 715.6863% | 664 |
| Earnings coverage of net charge-offs (x) | 76.9804% | 500 |
| Efficiency ratio | 43.1262% | 7,950 |
| Assets per employee ($millions) | 5.1700% | 1,900 |
| Cash dividends to net income (ytd only)* | 72.4288% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1106% | 5,523 |
| Loan loss allowance to noncurrent loans | 76.3109% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 0.5140% | 6,149 |
| Noncurrent loans to loans | 1.4554% | 4,310 |
| Net loans and leases to total assets | 34.9254% | 7,741 |
| Net loans and leases to deposits | 40.7342% | 7,796 |
| Net loans and leases to core deposits | 47.4896% | 7,808 |
| Total domestic deposits to total assets | 85.7397% | 2,908 |
| Equity capital to assets | 8.3365% | 6,282 |
| Core capital (leverage) ratio | 6.8758% | 7,614 |
| Tier 1 risk-based capital ratio | 13.2670% | 3,960 |
| Total risk-based capital ratio | 14.0168% | 4,225 |
| Memoranda: | ||
| Average total assets | $306,720,670 | 2,221 |
| Average earning assets | $297,817,330 | 2,132 |
| Average equity | $25,514,670 | 2,597 |
| Average total loans | $111,502,670 | 3,732 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4062% | 5,393 |
| Cost of funding earning assets | 1.2093% | 7,281 |
| Net interest margin | 4.1969% | 1,906 |
| Noninterest income to average assets | 0.4074% | 5,158 |
| Noninterest expense to average assets | 2.0887% | 7,143 |
| Loan and lease loss provision to assets | 0.0397% | 6,471 |
| Net operating income to assets | 2.3466% | 175 |
| Return on assets (ROA) | 3.1059% | 73 |
| Pretax return on assets | 3.1059% | 116 |
| Return on Equity (ROE) | 37.3789% | 48 |
| Retained earnings to average equity (ytd only) | 37.3789% | 29 |
| Net charge-offs to loans | 0.0538% | 4,715 |
| Credit loss provision to net charge-offs | 200.0000% | 2,207 |
| Earnings coverage of net charge-offs (x) | 120.2667% | 363 |
| Efficiency ratio | 46.6745% | 7,812 |
| Assets per employee ($millions) | 5.2462% | 1,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8450% | 6,991 |
| Loan loss allowance to noncurrent loans | 60.9091% | 4,537 |
| Noncurrent assets plus other real estate owned to assets | 0.4892% | 6,004 |
| Noncurrent loans to loans | 1.3873% | 4,231 |
| Net loans and leases to total assets | 34.9684% | 7,766 |
| Net loans and leases to deposits | 39.5496% | 7,853 |
| Net loans and leases to core deposits | 47.7563% | 7,836 |
| Total domestic deposits to total assets | 88.4164% | 1,518 |
| Equity capital to assets | 8.2463% | 6,471 |
| Core capital (leverage) ratio | 7.4270% | 7,242 |
| Tier 1 risk-based capital ratio | 14.6150% | 3,248 |
| Total risk-based capital ratio | 15.2086% | 3,540 |
| Memoranda: | ||
| Average total assets | $302,395,000 | 2,253 |
| Average earning assets | $293,073,500 | 2,168 |
| Average equity | $25,126,500 | 2,639 |
| Average total loans | $111,563,000 | 3,749 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5908% | 7,094 |
| Cost of funding earning assets | 1.6881% | 7,288 |
| Net interest margin | 3.9027% | 3,549 |
| Noninterest income to average assets | 0.4625% | 4,943 |
| Noninterest expense to average assets | 1.9594% | 7,521 |
| Loan and lease loss provision to assets | 0.0445% | 6,858 |
| Net operating income to assets | 2.2363% | 219 |
| Return on assets (ROA) | 2.6465% | 96 |
| Pretax return on assets | 2.6465% | 145 |
| Return on Equity (ROE) | 33.8157% | 33 |
| Retained earnings to average equity (ytd only) | 17.7152% | 51 |
| Net charge-offs to loans | 0.0187% | 6,604 |
| Credit loss provision to net charge-offs | 631.5789% | 678 |
| Earnings coverage of net charge-offs (x) | 323.8947% | 148 |
| Efficiency ratio | 46.2110% | 7,916 |
| Assets per employee ($millions) | 4.8336% | 2,138 |
| Cash dividends to net income (ytd only)* | 47.6124% | 3,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8232% | 7,017 |
| Loan loss allowance to noncurrent loans | 435.3774% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.0731% | 7,283 |
| Noncurrent loans to loans | 0.1891% | 6,824 |
| Net loans and leases to total assets | 38.3405% | 7,753 |
| Net loans and leases to deposits | 45.2096% | 7,814 |
| Net loans and leases to core deposits | 51.3522% | 7,856 |
| Total domestic deposits to total assets | 84.8061% | 2,930 |
| Equity capital to assets | 8.3774% | 6,297 |
| Core capital (leverage) ratio | 7.8175% | 6,776 |
| Tier 1 risk-based capital ratio | 13.4517% | 3,851 |
| Total risk-based capital ratio | 14.0502% | 4,149 |
| Memoranda: | ||
| Average total assets | $269,825,400 | 2,386 |
| Average earning assets | $261,180,400 | 2,281 |
| Average equity | $21,117,400 | 3,083 |
| Average total loans | $101,648,600 | 3,902 |