Home > The Union State Bank of Everest > Performance and Condition Ratios
The Union State Bank of Everest, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5251% | 2,080 |
| Cost of funding earning assets | 1.8415% | 2,621 |
| Net interest margin | 3.6836% | 1,720 |
| Noninterest income to average assets | 0.5500% | 1,704 |
| Noninterest expense to average assets | 2.9860% | 1,169 |
| Loan and lease loss provision to assets | 0.0100% | 2,986 |
| Net operating income to assets | 1.0063% | 2,033 |
| Return on assets (ROA) | 0.9986% | 2,058 |
| Pretax return on assets | 1.0299% | 2,451 |
| Return on Equity (ROE) | 11.4500% | 1,753 |
| Retained earnings to average equity (ytd only) | 3.2673% | 2,929 |
| Net charge-offs to loans | 0.0807% | 1,337 |
| Credit loss provision to net charge-offs | 12.9167% | 2,492 |
| Earnings coverage of net charge-offs (x) | 18.1042% | 1,904 |
| Efficiency ratio | 73.2530% | 1,635 |
| Assets per employee ($millions) | 4.9669% | 3,669 |
| Cash dividends to net income (ytd only)* | 71.4527% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1461% | 2,440 |
| Loan loss allowance to noncurrent loans | 764.4252% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.1173% | 2,890 |
| Noncurrent loans to loans | 0.1499% | 2,921 |
| Net loans and leases to total assets | 71.1500% | 1,763 |
| Net loans and leases to deposits | 84.8732% | 1,692 |
| Net loans and leases to core deposits | 93.0992% | 1,904 |
| Total domestic deposits to total assets | 83.8400% | 2,819 |
| Equity capital to assets | 8.5774% | 3,133 |
| Core capital (leverage) ratio | 9.0502% | 3,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2728% | 2,126 |
| Memoranda: | ||
| Average total assets | $415,676,000 | 1,996 |
| Average earning assets | $392,337,000 | 1,972 |
| Average equity | $36,268,200 | 2,127 |
| Average total loans | $297,424,400 | 1,859 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4419% | 2,190 |
| Cost of funding earning assets | 1.8157% | 2,668 |
| Net interest margin | 3.6262% | 1,787 |
| Noninterest income to average assets | 0.5500% | 1,685 |
| Noninterest expense to average assets | 2.9866% | 1,129 |
| Loan and lease loss provision to assets | 0.0100% | 2,797 |
| Net operating income to assets | 0.9597% | 2,184 |
| Return on assets (ROA) | 0.9428% | 2,252 |
| Pretax return on assets | 0.9722% | 2,625 |
| Return on Equity (ROE) | 10.7600% | 1,975 |
| Retained earnings to average equity (ytd only) | 6.0297% | 2,071 |
| Net charge-offs to loans | 0.0660% | 1,248 |
| Credit loss provision to net charge-offs | 16.4384% | 2,198 |
| Earnings coverage of net charge-offs (x) | 21.1507% | 1,709 |
| Efficiency ratio | 74.1305% | 1,574 |
| Assets per employee ($millions) | 4.8093% | 3,770 |
| Cash dividends to net income (ytd only)* | 43.9534% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1966% | 2,237 |
| Loan loss allowance to noncurrent loans | 493.3060% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.1749% | 2,592 |
| Noncurrent loans to loans | 0.2426% | 2,564 |
| Net loans and leases to total assets | 71.2600% | 1,704 |
| Net loans and leases to deposits | 85.6585% | 1,674 |
| Net loans and leases to core deposits | 93.1024% | 1,942 |
| Total domestic deposits to total assets | 83.1900% | 2,792 |
| Equity capital to assets | 9.1681% | 2,909 |
| Core capital (leverage) ratio | 9.2998% | 3,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7972% | 1,975 |
| Memoranda: | ||
| Average total assets | $412,806,000 | 1,999 |
| Average earning assets | $390,444,750 | 1,978 |
| Average equity | $36,175,500 | 2,125 |
| Average total loans | $294,914,250 | 1,865 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3394% | 2,282 |
| Cost of funding earning assets | 1.7436% | 2,768 |
| Net interest margin | 3.5958% | 1,794 |
| Noninterest income to average assets | 0.5500% | 1,634 |
| Noninterest expense to average assets | 2.9995% | 1,106 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | 0.9113% | 2,276 |
| Return on assets (ROA) | 0.9179% | 2,261 |
| Pretax return on assets | 0.9466% | 2,633 |
| Return on Equity (ROE) | 10.6400% | 1,996 |
| Retained earnings to average equity (ytd only) | 5.3939% | 2,212 |
| Net charge-offs to loans | 0.0649% | 1,122 |
| Credit loss provision to net charge-offs | 18.9474% | 1,946 |
| Earnings coverage of net charge-offs (x) | 20.5158% | 1,621 |
| Efficiency ratio | 75.1233% | 1,539 |
| Assets per employee ($millions) | 4.8024% | 3,740 |
| Cash dividends to net income (ytd only)* | 49.3107% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2256% | 2,109 |
| Loan loss allowance to noncurrent loans | 593.5065% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.1492% | 2,660 |
| Noncurrent loans to loans | 0.2065% | 2,659 |
| Net loans and leases to total assets | 71.3400% | 1,746 |
| Net loans and leases to deposits | 83.9913% | 1,838 |
| Net loans and leases to core deposits | 89.9208% | 2,151 |
| Total domestic deposits to total assets | 84.9400% | 2,333 |
| Equity capital to assets | 8.6544% | 2,988 |
| Core capital (leverage) ratio | 9.4364% | 3,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5419% | 2,053 |
| Memoranda: | ||
| Average total assets | $410,939,333 | 2,004 |
| Average earning assets | $388,731,000 | 1,982 |
| Average equity | $35,447,333 | 2,122 |
| Average total loans | $292,626,667 | 1,875 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1891% | 2,425 |
| Cost of funding earning assets | 1.6639% | 2,831 |
| Net interest margin | 3.5251% | 1,855 |
| Noninterest income to average assets | 0.5200% | 1,683 |
| Noninterest expense to average assets | 3.0319% | 1,058 |
| Loan and lease loss provision to assets | 0.0100% | 2,366 |
| Net operating income to assets | 0.7864% | 2,582 |
| Return on assets (ROA) | 0.7836% | 2,602 |
| Pretax return on assets | 0.8080% | 2,904 |
| Return on Equity (ROE) | 9.1000% | 2,363 |
| Retained earnings to average equity (ytd only) | 4.7026% | 2,497 |
| Net charge-offs to loans | 0.0414% | 1,120 |
| Credit loss provision to net charge-offs | 43.3333% | 1,423 |
| Earnings coverage of net charge-offs (x) | 28.1333% | 1,193 |
| Efficiency ratio | 77.7778% | 1,376 |
| Assets per employee ($millions) | 4.9761% | 3,670 |
| Cash dividends to net income (ytd only)* | 48.3188% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2789% | 1,860 |
| Loan loss allowance to noncurrent loans | 524.8588% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.1757% | 2,481 |
| Noncurrent loans to loans | 0.2437% | 2,448 |
| Net loans and leases to total assets | 70.3000% | 1,773 |
| Net loans and leases to deposits | 81.1061% | 1,966 |
| Net loans and leases to core deposits | 86.6187% | 2,274 |
| Total domestic deposits to total assets | 86.6700% | 1,881 |
| Equity capital to assets | 8.6388% | 2,930 |
| Core capital (leverage) ratio | 9.2957% | 3,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7832% | 1,961 |
| Memoranda: | ||
| Average total assets | $409,906,000 | 2,016 |
| Average earning assets | $387,274,500 | 1,994 |
| Average equity | $35,299,500 | 2,119 |
| Average total loans | $289,787,500 | 1,881 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8927% | 2,293 |
| Cost of funding earning assets | 1.3913% | 2,253 |
| Net interest margin | 3.5014% | 2,173 |
| Noninterest income to average assets | 0.6100% | 1,489 |
| Noninterest expense to average assets | 2.9355% | 1,210 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.9387% | 2,409 |
| Return on assets (ROA) | 0.8547% | 2,662 |
| Pretax return on assets | 0.8829% | 3,006 |
| Return on Equity (ROE) | 10.7800% | 2,285 |
| Retained earnings to average equity (ytd only) | 3.7404% | 3,047 |
| Net charge-offs to loans | -0.0435% | 4,339 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 74.1410% | 1,445 |
| Assets per employee ($millions) | 5.0836% | 3,572 |
| Cash dividends to net income (ytd only)* | 65.2872% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2916% | 1,809 |
| Loan loss allowance to noncurrent loans | 924.0099% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.1003% | 2,855 |
| Noncurrent loans to loans | 0.1398% | 2,814 |
| Net loans and leases to total assets | 69.2800% | 1,890 |
| Net loans and leases to deposits | 83.8611% | 1,793 |
| Net loans and leases to core deposits | 88.6247% | 2,144 |
| Total domestic deposits to total assets | 82.6200% | 2,981 |
| Equity capital to assets | 8.5846% | 2,989 |
| Core capital (leverage) ratio | 9.1859% | 3,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7577% | 1,952 |
| Memoranda: | ||
| Average total assets | $415,574,200 | 1,968 |
| Average earning assets | $392,299,600 | 1,941 |
| Average equity | $32,964,000 | 2,145 |
| Average total loans | $285,211,000 | 1,849 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7389% | 2,397 |
| Cost of funding earning assets | 1.3243% | 2,079 |
| Net interest margin | 3.4146% | 2,419 |
| Noninterest income to average assets | 0.5800% | 1,600 |
| Noninterest expense to average assets | 2.9088% | 1,211 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.8540% | 2,849 |
| Return on assets (ROA) | 0.8025% | 3,016 |
| Pretax return on assets | 0.8291% | 3,269 |
| Return on Equity (ROE) | 10.3300% | 2,549 |
| Retained earnings to average equity (ytd only) | 6.0676% | 2,603 |
| Net charge-offs to loans | -0.1299% | 4,535 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 75.6356% | 1,208 |
| Assets per employee ($millions) | 4.9946% | 3,611 |
| Cash dividends to net income (ytd only)* | 41.2445% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3371% | 1,711 |
| Loan loss allowance to noncurrent loans | 655.4054% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.2144% | 2,193 |
| Noncurrent loans to loans | 0.2040% | 2,536 |
| Net loans and leases to total assets | 69.0600% | 1,940 |
| Net loans and leases to deposits | 80.3438% | 2,014 |
| Net loans and leases to core deposits | 85.0535% | 2,256 |
| Total domestic deposits to total assets | 85.9600% | 2,208 |
| Equity capital to assets | 7.7421% | 3,213 |
| Core capital (leverage) ratio | 9.0854% | 3,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7199% | 1,998 |
| Memoranda: | ||
| Average total assets | $416,525,000 | 1,967 |
| Average earning assets | $393,362,000 | 1,933 |
| Average equity | $32,367,750 | 2,154 |
| Average total loans | $284,259,750 | 1,855 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5955% | 2,423 |
| Cost of funding earning assets | 1.2175% | 1,936 |
| Net interest margin | 3.3779% | 2,576 |
| Noninterest income to average assets | 0.5900% | 1,494 |
| Noninterest expense to average assets | 2.9124% | 1,188 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.8336% | 2,977 |
| Return on assets (ROA) | 0.7685% | 3,182 |
| Pretax return on assets | 0.7934% | 3,412 |
| Return on Equity (ROE) | 9.8800% | 2,741 |
| Retained earnings to average equity (ytd only) | 5.8474% | 2,681 |
| Net charge-offs to loans | -0.0446% | 4,343 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 76.0927% | 1,172 |
| Assets per employee ($millions) | 4.8768% | 3,691 |
| Cash dividends to net income (ytd only)* | 40.7985% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2830% | 2,001 |
| Loan loss allowance to noncurrent loans | 574.5283% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.2251% | 2,061 |
| Noncurrent loans to loans | 0.2233% | 2,369 |
| Net loans and leases to total assets | 67.8200% | 1,974 |
| Net loans and leases to deposits | 76.9694% | 2,219 |
| Net loans and leases to core deposits | 80.5753% | 2,434 |
| Total domestic deposits to total assets | 88.1100% | 1,563 |
| Equity capital to assets | 7.9526% | 3,246 |
| Core capital (leverage) ratio | 8.9656% | 3,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6747% | 2,029 |
| Memoranda: | ||
| Average total assets | $417,183,667 | 1,963 |
| Average earning assets | $393,910,667 | 1,932 |
| Average equity | $32,458,667 | 2,169 |
| Average total loans | $282,286,000 | 1,851 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3802% | 2,607 |
| Cost of funding earning assets | 1.0943% | 1,766 |
| Net interest margin | 3.2859% | 2,913 |
| Noninterest income to average assets | 0.5300% | 1,720 |
| Noninterest expense to average assets | 2.9247% | 1,185 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.6758% | 3,514 |
| Return on assets (ROA) | 0.6480% | 3,548 |
| Pretax return on assets | 0.6662% | 3,726 |
| Return on Equity (ROE) | 8.4200% | 3,194 |
| Retained earnings to average equity (ytd only) | 4.9433% | 3,031 |
| Net charge-offs to loans | 0.0242% | 1,204 |
| Credit loss provision to net charge-offs | 47.0588% | 1,307 |
| Earnings coverage of net charge-offs (x) | 43.4118% | 1,154 |
| Efficiency ratio | 79.6735% | 859 |
| Assets per employee ($millions) | 4.8778% | 3,746 |
| Cash dividends to net income (ytd only)* | 41.2979% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2714% | 2,177 |
| Loan loss allowance to noncurrent loans | 378.9362% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.3063% | 1,631 |
| Noncurrent loans to loans | 0.3355% | 1,949 |
| Net loans and leases to total assets | 66.7100% | 1,986 |
| Net loans and leases to deposits | 75.3334% | 2,178 |
| Net loans and leases to core deposits | 78.1953% | 2,376 |
| Total domestic deposits to total assets | 88.5500% | 1,717 |
| Equity capital to assets | 8.0362% | 3,216 |
| Core capital (leverage) ratio | 8.7751% | 3,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5546% | 2,162 |
| Memoranda: | ||
| Average total assets | $418,511,000 | 1,980 |
| Average earning assets | $394,780,000 | 1,952 |
| Average equity | $32,205,000 | 2,206 |
| Average total loans | $281,032,000 | 1,877 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8864% | 2,017 |
| Cost of funding earning assets | 0.5336% | 1,202 |
| Net interest margin | 3.3528% | 2,415 |
| Noninterest income to average assets | 0.6800% | 1,362 |
| Noninterest expense to average assets | 2.9201% | 1,095 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.9046% | 2,941 |
| Return on assets (ROA) | 0.8960% | 2,911 |
| Pretax return on assets | 0.9074% | 3,338 |
| Return on Equity (ROE) | 10.8200% | 2,537 |
| Retained earnings to average equity (ytd only) | 3.4594% | 3,574 |
| Net charge-offs to loans | 0.0302% | 1,466 |
| Credit loss provision to net charge-offs | 34.1772% | 1,882 |
| Earnings coverage of net charge-offs (x) | 47.4684% | 1,395 |
| Efficiency ratio | 75.1136% | 1,110 |
| Assets per employee ($millions) | 4.8553% | 3,778 |
| Cash dividends to net income (ytd only)* | 68.0395% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2667% | 2,066 |
| Loan loss allowance to noncurrent loans | 312.1503% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 0.3440% | 1,480 |
| Noncurrent loans to loans | 0.4058% | 1,708 |
| Net loans and leases to total assets | 65.8900% | 2,054 |
| Net loans and leases to deposits | 74.6298% | 2,203 |
| Net loans and leases to core deposits | 77.1279% | 2,337 |
| Total domestic deposits to total assets | 88.2900% | 1,972 |
| Equity capital to assets | 7.3604% | 3,460 |
| Core capital (leverage) ratio | 8.8513% | 3,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2877% | 2,243 |
| Memoranda: | ||
| Average total assets | $406,456,600 | 2,005 |
| Average earning assets | $383,774,000 | 1,971 |
| Average equity | $33,647,600 | 2,175 |
| Average total loans | $261,557,400 | 1,889 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7924% | 1,784 |
| Cost of funding earning assets | 0.4358% | 1,063 |
| Net interest margin | 3.3567% | 2,117 |
| Noninterest income to average assets | 0.7400% | 1,176 |
| Noninterest expense to average assets | 2.8931% | 1,072 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0111% | 2,441 |
| Return on assets (ROA) | 0.9842% | 2,507 |
| Pretax return on assets | 0.9932% | 3,034 |
| Return on Equity (ROE) | 11.5500% | 2,190 |
| Retained earnings to average equity (ytd only) | 5.0358% | 3,087 |
| Net charge-offs to loans | 0.0296% | 1,240 |
| Credit loss provision to net charge-offs | 21.0526% | 1,625 |
| Earnings coverage of net charge-offs (x) | 54.2456% | 1,239 |
| Efficiency ratio | 72.9810% | 1,384 |
| Assets per employee ($millions) | 4.6512% | 3,939 |
| Cash dividends to net income (ytd only)* | 56.4120% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3167% | 1,957 |
| Loan loss allowance to noncurrent loans | 266.2202% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 0.3428% | 1,580 |
| Noncurrent loans to loans | 0.4946% | 1,565 |
| Net loans and leases to total assets | 65.5200% | 1,932 |
| Net loans and leases to deposits | 74.2625% | 2,026 |
| Net loans and leases to core deposits | 77.4710% | 2,079 |
| Total domestic deposits to total assets | 88.2200% | 2,358 |
| Equity capital to assets | 7.3784% | 3,283 |
| Core capital (leverage) ratio | 8.8464% | 3,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6835% | 2,178 |
| Memoranda: | ||
| Average total assets | $402,468,500 | 2,036 |
| Average earning assets | $380,608,000 | 2,003 |
| Average equity | $34,286,750 | 2,175 |
| Average total loans | $256,469,000 | 1,910 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6583% | 1,659 |
| Cost of funding earning assets | 0.3555% | 1,221 |
| Net interest margin | 3.3028% | 1,901 |
| Noninterest income to average assets | 0.8161% | 1,009 |
| Noninterest expense to average assets | 2.8422% | 1,096 |
| Loan and lease loss provision to assets | 0.0040% | 2,536 |
| Net operating income to assets | 1.0970% | 1,781 |
| Return on assets (ROA) | 1.0940% | 1,782 |
| Pretax return on assets | 1.0965% | 2,424 |
| Return on Equity (ROE) | 12.2808% | 1,590 |
| Retained earnings to average equity (ytd only) | 6.6650% | 2,105 |
| Net charge-offs to loans | 0.0239% | 1,243 |
| Credit loss provision to net charge-offs | 26.6667% | 1,580 |
| Earnings coverage of net charge-offs (x) | 73.6000% | 977 |
| Efficiency ratio | 71.1590% | 1,812 |
| Assets per employee ($millions) | 4.6351% | 3,984 |
| Cash dividends to net income (ytd only)* | 45.7286% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3726% | 1,876 |
| Loan loss allowance to noncurrent loans | 286.0207% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 0.3268% | 1,688 |
| Noncurrent loans to loans | 0.4799% | 1,677 |
| Net loans and leases to total assets | 64.1663% | 1,893 |
| Net loans and leases to deposits | 70.7306% | 2,138 |
| Net loans and leases to core deposits | 73.0938% | 2,231 |
| Total domestic deposits to total assets | 90.7193% | 1,373 |
| Equity capital to assets | 8.0834% | 3,053 |
| Core capital (leverage) ratio | 8.9866% | 3,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7447% | 2,183 |
| Memoranda: | ||
| Average total assets | $400,189,667 | 2,050 |
| Average earning assets | $379,197,667 | 2,024 |
| Average equity | $35,649,000 | 2,173 |
| Average total loans | $251,380,000 | 1,937 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5145% | 1,763 |
| Cost of funding earning assets | 0.3211% | 1,451 |
| Net interest margin | 3.1934% | 1,902 |
| Noninterest income to average assets | 1.0726% | 590 |
| Noninterest expense to average assets | 2.7563% | 1,241 |
| Loan and lease loss provision to assets | 0.0181% | 2,032 |
| Net operating income to assets | 1.3415% | 921 |
| Return on assets (ROA) | 1.3405% | 909 |
| Pretax return on assets | 1.3204% | 1,445 |
| Return on Equity (ROE) | 14.3753% | 763 |
| Retained earnings to average equity (ytd only) | 14.3753% | 341 |
| Net charge-offs to loans | 0.0049% | 1,585 |
| Credit loss provision to net charge-offs | 600.0000% | 466 |
| Earnings coverage of net charge-offs (x) | 445.0000% | 232 |
| Efficiency ratio | 66.4625% | 2,709 |
| Assets per employee ($millions) | 5.1045% | 3,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4663% | 1,664 |
| Loan loss allowance to noncurrent loans | 346.8065% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.2713% | 2,050 |
| Noncurrent loans to loans | 0.4228% | 1,972 |
| Net loans and leases to total assets | 60.6256% | 1,997 |
| Net loans and leases to deposits | 66.5752% | 2,288 |
| Net loans and leases to core deposits | 68.6120% | 2,403 |
| Total domestic deposits to total assets | 91.0634% | 1,002 |
| Equity capital to assets | 8.8562% | 2,830 |
| Core capital (leverage) ratio | 8.9502% | 3,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7652% | 1,889 |
| Memoranda: | ||
| Average total assets | $398,656,000 | 2,054 |
| Average earning assets | $377,405,000 | 2,037 |
| Average equity | $37,175,000 | 2,165 |
| Average total loans | $245,892,000 | 1,956 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3060% | 842 |
| Cost of funding earning assets | 0.3504% | 1,933 |
| Net interest margin | 3.9557% | 783 |
| Noninterest income to average assets | 0.6904% | 1,797 |
| Noninterest expense to average assets | 2.8289% | 1,291 |
| Loan and lease loss provision to assets | 0.0247% | 2,570 |
| Net operating income to assets | 1.5327% | 948 |
| Return on assets (ROA) | 1.5433% | 965 |
| Pretax return on assets | 1.5821% | 1,476 |
| Return on Equity (ROE) | 14.8246% | 991 |
| Retained earnings to average equity (ytd only) | 2.0781% | 3,964 |
| Net charge-offs to loans | 0.0882% | 932 |
| Credit loss provision to net charge-offs | 42.2727% | 2,186 |
| Earnings coverage of net charge-offs (x) | 27.3273% | 1,680 |
| Efficiency ratio | 63.1352% | 2,692 |
| Assets per employee ($millions) | 4.9881% | 3,738 |
| Cash dividends to net income (ytd only)* | 85.9821% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4868% | 1,605 |
| Loan loss allowance to noncurrent loans | 336.7100% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 0.2845% | 2,121 |
| Noncurrent loans to loans | 0.4416% | 2,031 |
| Net loans and leases to total assets | 60.9169% | 2,069 |
| Net loans and leases to deposits | 67.6120% | 2,342 |
| Net loans and leases to core deposits | 70.0153% | 2,443 |
| Total domestic deposits to total assets | 90.0977% | 912 |
| Equity capital to assets | 9.8049% | 2,846 |
| Core capital (leverage) ratio | 9.1190% | 3,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1610% | 2,179 |
| Memoranda: | ||
| Average total assets | $376,715,400 | 2,077 |
| Average earning assets | $355,641,800 | 2,060 |
| Average equity | $39,218,600 | 2,105 |
| Average total loans | $249,527,400 | 1,930 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4698% | 708 |
| Cost of funding earning assets | 0.3598% | 2,025 |
| Net interest margin | 4.1100% | 640 |
| Noninterest income to average assets | 0.7394% | 1,699 |
| Noninterest expense to average assets | 2.7706% | 1,408 |
| Loan and lease loss provision to assets | 0.0330% | 2,336 |
| Net operating income to assets | 1.7790% | 695 |
| Return on assets (ROA) | 1.7888% | 713 |
| Pretax return on assets | 1.8271% | 1,102 |
| Return on Equity (ROE) | 16.9220% | 771 |
| Retained earnings to average equity (ytd only) | 6.6218% | 2,572 |
| Net charge-offs to loans | 0.1147% | 670 |
| Credit loss provision to net charge-offs | 42.5926% | 1,903 |
| Earnings coverage of net charge-offs (x) | 23.9213% | 1,655 |
| Efficiency ratio | 59.1941% | 3,100 |
| Assets per employee ($millions) | 4.6289% | 4,028 |
| Cash dividends to net income (ytd only)* | 60.8687% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4494% | 1,816 |
| Loan loss allowance to noncurrent loans | 301.9983% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.3427% | 2,068 |
| Noncurrent loans to loans | 0.4800% | 2,119 |
| Net loans and leases to total assets | 65.7721% | 1,573 |
| Net loans and leases to deposits | 73.9726% | 1,856 |
| Net loans and leases to core deposits | 76.5929% | 1,992 |
| Total domestic deposits to total assets | 88.9142% | 1,334 |
| Equity capital to assets | 10.7793% | 2,184 |
| Core capital (leverage) ratio | 9.6268% | 2,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5779% | 2,138 |
| Memoranda: | ||
| Average total assets | $372,379,250 | 2,120 |
| Average earning assets | $351,651,250 | 2,093 |
| Average equity | $39,364,000 | 2,131 |
| Average total loans | $250,991,250 | 1,951 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3596% | 908 |
| Cost of funding earning assets | 0.3683% | 2,152 |
| Net interest margin | 3.9912% | 839 |
| Noninterest income to average assets | 0.7601% | 1,646 |
| Noninterest expense to average assets | 2.7099% | 1,565 |
| Loan and lease loss provision to assets | -0.0043% | 4,394 |
| Net operating income to assets | 1.7976% | 723 |
| Return on assets (ROA) | 1.8088% | 736 |
| Pretax return on assets | 1.8341% | 1,158 |
| Return on Equity (ROE) | 17.2249% | 749 |
| Retained earnings to average equity (ytd only) | 4.6856% | 3,304 |
| Net charge-offs to loans | 0.1536% | 541 |
| Credit loss provision to net charge-offs | -4.1451% | 2,896 |
| Earnings coverage of net charge-offs (x) | 17.5026% | 1,574 |
| Efficiency ratio | 58.7375% | 3,184 |
| Assets per employee ($millions) | 4.6199% | 3,996 |
| Cash dividends to net income (ytd only)* | 72.7976% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4089% | 1,940 |
| Loan loss allowance to noncurrent loans | 310.2273% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 0.4043% | 1,991 |
| Noncurrent loans to loans | 0.4542% | 2,315 |
| Net loans and leases to total assets | 66.3659% | 1,653 |
| Net loans and leases to deposits | 74.5249% | 1,949 |
| Net loans and leases to core deposits | 77.3011% | 2,110 |
| Total domestic deposits to total assets | 89.0519% | 1,259 |
| Equity capital to assets | 10.5387% | 2,364 |
| Core capital (leverage) ratio | 9.1317% | 3,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3232% | 2,241 |
| Memoranda: | ||
| Average total assets | $371,525,667 | 2,110 |
| Average earning assets | $350,768,000 | 2,088 |
| Average equity | $39,013,333 | 2,138 |
| Average total loans | $251,244,000 | 1,955 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1358% | 1,313 |
| Cost of funding earning assets | 0.3680% | 2,370 |
| Net interest margin | 3.7678% | 1,206 |
| Noninterest income to average assets | 0.5446% | 2,425 |
| Noninterest expense to average assets | 2.6949% | 1,631 |
| Loan and lease loss provision to assets | -0.0022% | 4,552 |
| Net operating income to assets | 1.4274% | 1,502 |
| Return on assets (ROA) | 1.4360% | 1,554 |
| Pretax return on assets | 1.4123% | 2,250 |
| Return on Equity (ROE) | 13.7005% | 1,491 |
| Retained earnings to average equity (ytd only) | 1.8762% | 4,034 |
| Net charge-offs to loans | -0.1530% | 4,738 |
| Credit loss provision to net charge-offs | 2.0833% | 1,468 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5476% | 2,404 |
| Assets per employee ($millions) | 4.7707% | 3,866 |
| Cash dividends to net income (ytd only)* | 86.3055% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5401% | 1,462 |
| Loan loss allowance to noncurrent loans | 128.3044% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 0.8817% | 991 |
| Noncurrent loans to loans | 1.2003% | 1,097 |
| Net loans and leases to total assets | 64.3905% | 1,995 |
| Net loans and leases to deposits | 71.8462% | 2,327 |
| Net loans and leases to core deposits | 74.4471% | 2,474 |
| Total domestic deposits to total assets | 89.6227% | 1,008 |
| Equity capital to assets | 10.0721% | 2,642 |
| Core capital (leverage) ratio | 9.2001% | 3,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3283% | 2,150 |
| Memoranda: | ||
| Average total assets | $370,182,500 | 2,107 |
| Average earning assets | $348,956,000 | 2,086 |
| Average equity | $38,801,500 | 2,135 |
| Average total loans | $250,917,000 | 1,958 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6592% | 966 |
| Cost of funding earning assets | 0.5138% | 2,860 |
| Net interest margin | 4.1454% | 719 |
| Noninterest income to average assets | 0.6108% | 2,182 |
| Noninterest expense to average assets | 2.9944% | 1,454 |
| Loan and lease loss provision to assets | 0.2753% | 1,398 |
| Net operating income to assets | 1.1837% | 1,602 |
| Return on assets (ROA) | 1.1843% | 1,713 |
| Pretax return on assets | 1.2279% | 2,235 |
| Return on Equity (ROE) | 10.5150% | 1,803 |
| Retained earnings to average equity (ytd only) | 3.0402% | 3,328 |
| Net charge-offs to loans | 0.0681% | 1,813 |
| Credit loss provision to net charge-offs | 579.1139% | 1,132 |
| Earnings coverage of net charge-offs (x) | 31.6076% | 1,564 |
| Efficiency ratio | 65.3419% | 2,627 |
| Assets per employee ($millions) | 4.4838% | 3,924 |
| Cash dividends to net income (ytd only)* | 71.0874% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4867% | 1,632 |
| Loan loss allowance to noncurrent loans | 97.3015% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 1.1845% | 739 |
| Noncurrent loans to loans | 1.5279% | 868 |
| Net loans and leases to total assets | 69.2734% | 1,652 |
| Net loans and leases to deposits | 77.8740% | 2,086 |
| Net loans and leases to core deposits | 80.2786% | 2,341 |
| Total domestic deposits to total assets | 88.9559% | 1,008 |
| Equity capital to assets | 10.9176% | 2,327 |
| Core capital (leverage) ratio | 9.5862% | 3,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3570% | 2,100 |
| Memoranda: | ||
| Average total assets | $332,353,600 | 2,127 |
| Average earning assets | $311,576,800 | 2,105 |
| Average equity | $37,432,200 | 2,108 |
| Average total loans | $231,954,600 | 2,021 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7602% | 948 |
| Cost of funding earning assets | 0.5538% | 2,905 |
| Net interest margin | 4.2064% | 718 |
| Noninterest income to average assets | 0.6258% | 2,082 |
| Noninterest expense to average assets | 2.9648% | 1,517 |
| Loan and lease loss provision to assets | 0.3684% | 1,008 |
| Net operating income to assets | 1.1877% | 1,680 |
| Return on assets (ROA) | 1.1873% | 1,805 |
| Pretax return on assets | 1.2344% | 2,280 |
| Return on Equity (ROE) | 10.4539% | 1,855 |
| Retained earnings to average equity (ytd only) | 0.3712% | 4,415 |
| Net charge-offs to loans | 0.0917% | 1,391 |
| Credit loss provision to net charge-offs | 576.9231% | 1,182 |
| Earnings coverage of net charge-offs (x) | 25.1090% | 1,733 |
| Efficiency ratio | 63.6502% | 2,795 |
| Assets per employee ($millions) | 4.3244% | 4,023 |
| Cash dividends to net income (ytd only)* | 96.4495% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5104% | 1,353 |
| Loan loss allowance to noncurrent loans | 84.9898% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 1.4436% | 610 |
| Noncurrent loans to loans | 1.7771% | 752 |
| Net loans and leases to total assets | 70.4386% | 1,881 |
| Net loans and leases to deposits | 80.9925% | 2,199 |
| Net loans and leases to core deposits | 83.4057% | 2,534 |
| Total domestic deposits to total assets | 86.9693% | 1,683 |
| Equity capital to assets | 11.0160% | 2,386 |
| Core capital (leverage) ratio | 9.5320% | 3,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0038% | 1,826 |
| Memoranda: | ||
| Average total assets | $325,765,500 | 2,137 |
| Average earning assets | $305,303,500 | 2,128 |
| Average equity | $36,999,750 | 2,120 |
| Average total loans | $226,883,750 | 2,049 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9284% | 929 |
| Cost of funding earning assets | 0.6173% | 2,879 |
| Net interest margin | 4.3111% | 735 |
| Noninterest income to average assets | 0.6476% | 1,940 |
| Noninterest expense to average assets | 2.9777% | 1,639 |
| Loan and lease loss provision to assets | 0.3743% | 1,118 |
| Net operating income to assets | 1.2838% | 1,404 |
| Return on assets (ROA) | 1.2814% | 1,524 |
| Pretax return on assets | 1.3296% | 1,937 |
| Return on Equity (ROE) | 11.1604% | 1,582 |
| Retained earnings to average equity (ytd only) | 0.2184% | 4,270 |
| Net charge-offs to loans | 0.1536% | 958 |
| Credit loss provision to net charge-offs | 353.2544% | 1,504 |
| Earnings coverage of net charge-offs (x) | 16.1065% | 1,876 |
| Efficiency ratio | 62.3260% | 3,072 |
| Assets per employee ($millions) | 4.2715% | 4,034 |
| Cash dividends to net income (ytd only)* | 98.0431% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4371% | 1,455 |
| Loan loss allowance to noncurrent loans | 74.2082% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 1.6245% | 539 |
| Noncurrent loans to loans | 1.9365% | 709 |
| Net loans and leases to total assets | 69.5314% | 2,106 |
| Net loans and leases to deposits | 80.2676% | 2,393 |
| Net loans and leases to core deposits | 82.9442% | 2,700 |
| Total domestic deposits to total assets | 86.6245% | 1,764 |
| Equity capital to assets | 11.2635% | 2,144 |
| Core capital (leverage) ratio | 9.9485% | 2,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3137% | 1,693 |
| Memoranda: | ||
| Average total assets | $319,037,000 | 2,153 |
| Average earning assets | $298,716,333 | 2,132 |
| Average equity | $36,629,667 | 2,126 |
| Average total loans | $220,038,333 | 2,080 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6832% | 1,762 |
| Cost of funding earning assets | 0.7253% | 2,804 |
| Net interest margin | 3.9579% | 1,503 |
| Noninterest income to average assets | 0.7449% | 1,475 |
| Noninterest expense to average assets | 3.0714% | 1,716 |
| Loan and lease loss provision to assets | -0.0013% | 5,028 |
| Net operating income to assets | 1.3242% | 1,178 |
| Return on assets (ROA) | 1.3143% | 1,302 |
| Pretax return on assets | 1.3633% | 1,677 |
| Return on Equity (ROE) | 11.3300% | 1,314 |
| Retained earnings to average equity (ytd only) | -3.8397% | 4,424 |
| Net charge-offs to loans | 0.0455% | 1,568 |
| Credit loss provision to net charge-offs | -4.1667% | 3,084 |
| Earnings coverage of net charge-offs (x) | 44.2917% | 974 |
| Efficiency ratio | 67.7513% | 2,717 |
| Assets per employee ($millions) | 3.9839% | 3,935 |
| Cash dividends to net income (ytd only)* | 133.8900% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3934% | 1,725 |
| Loan loss allowance to noncurrent loans | 99.8990% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 1.2892% | 909 |
| Noncurrent loans to loans | 1.3948% | 1,147 |
| Net loans and leases to total assets | 67.5890% | 2,601 |
| Net loans and leases to deposits | 76.4137% | 3,034 |
| Net loans and leases to core deposits | 79.6494% | 3,231 |
| Total domestic deposits to total assets | 88.4513% | 913 |
| Equity capital to assets | 11.2767% | 2,610 |
| Core capital (leverage) ratio | 10.2706% | 3,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2341% | 1,833 |
| Memoranda: | ||
| Average total assets | $309,829,500 | 2,151 |
| Average earning assets | $289,545,500 | 2,140 |
| Average equity | $35,940,000 | 2,143 |
| Average total loans | $211,029,500 | 2,117 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6883% | 2,360 |
| Cost of funding earning assets | 0.7556% | 2,887 |
| Net interest margin | 3.9327% | 2,060 |
| Noninterest income to average assets | 0.7267% | 1,718 |
| Noninterest expense to average assets | 3.1755% | 1,578 |
| Loan and lease loss provision to assets | 0.0042% | 3,916 |
| Net operating income to assets | 1.1846% | 2,116 |
| Return on assets (ROA) | 1.2350% | 2,014 |
| Pretax return on assets | 1.2832% | 2,562 |
| Return on Equity (ROE) | 11.0931% | 1,847 |
| Retained earnings to average equity (ytd only) | 4.3649% | 2,783 |
| Net charge-offs to loans | -0.0191% | 4,613 |
| Credit loss provision to net charge-offs | -32.5000% | 4,144 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6509% | 2,073 |
| Assets per employee ($millions) | 3.9604% | 3,950 |
| Cash dividends to net income (ytd only)* | 60.6523% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4316% | 1,419 |
| Loan loss allowance to noncurrent loans | 90.1506% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 1.1353% | 1,055 |
| Noncurrent loans to loans | 1.5881% | 889 |
| Net loans and leases to total assets | 66.7075% | 2,873 |
| Net loans and leases to deposits | 75.9435% | 3,185 |
| Net loans and leases to core deposits | 78.6075% | 3,404 |
| Total domestic deposits to total assets | 87.8383% | 1,203 |
| Equity capital to assets | 11.9250% | 2,181 |
| Core capital (leverage) ratio | 10.5830% | 2,873 |
| Tier 1 risk-based capital ratio | 14.6731% | 2,920 |
| Total risk-based capital ratio | 15.9242% | 2,829 |
| Memoranda: | ||
| Average total assets | $312,802,200 | 2,088 |
| Average earning assets | $293,004,400 | 2,072 |
| Average equity | $34,823,400 | 2,151 |
| Average total loans | $209,696,400 | 2,080 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6684% | 2,507 |
| Cost of funding earning assets | 0.7680% | 2,877 |
| Net interest margin | 3.9004% | 2,251 |
| Noninterest income to average assets | 0.7181% | 1,709 |
| Noninterest expense to average assets | 3.2026% | 1,464 |
| Loan and lease loss provision to assets | 0.0017% | 3,819 |
| Net operating income to assets | 1.1310% | 2,451 |
| Return on assets (ROA) | 1.1265% | 2,557 |
| Pretax return on assets | 1.1694% | 3,072 |
| Return on Equity (ROE) | 10.2990% | 2,305 |
| Retained earnings to average equity (ytd only) | 1.1966% | 4,517 |
| Net charge-offs to loans | -0.0064% | 4,265 |
| Credit loss provision to net charge-offs | -40.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7877% | 1,871 |
| Assets per employee ($millions) | 3.6203% | 4,369 |
| Cash dividends to net income (ytd only)* | 88.3816% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3981% | 1,582 |
| Loan loss allowance to noncurrent loans | 97.7498% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 1.0883% | 1,203 |
| Noncurrent loans to loans | 1.4302% | 1,062 |
| Net loans and leases to total assets | 67.7034% | 2,835 |
| Net loans and leases to deposits | 76.9599% | 3,205 |
| Net loans and leases to core deposits | 79.1264% | 3,459 |
| Total domestic deposits to total assets | 87.9723% | 1,045 |
| Equity capital to assets | 11.6039% | 2,595 |
| Core capital (leverage) ratio | 10.1534% | 3,472 |
| Tier 1 risk-based capital ratio | 14.1482% | 3,256 |
| Total risk-based capital ratio | 15.3993% | 3,160 |
| Memoranda: | ||
| Average total assets | $313,774,500 | 2,092 |
| Average earning assets | $294,455,000 | 2,075 |
| Average equity | $34,319,750 | 2,189 |
| Average total loans | $209,855,250 | 2,103 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6513% | 2,517 |
| Cost of funding earning assets | 0.7927% | 2,683 |
| Net interest margin | 3.8586% | 2,375 |
| Noninterest income to average assets | 0.7011% | 1,709 |
| Noninterest expense to average assets | 3.1787% | 1,552 |
| Loan and lease loss provision to assets | 0.0063% | 3,604 |
| Net operating income to assets | 1.0966% | 2,530 |
| Return on assets (ROA) | 1.0887% | 2,636 |
| Pretax return on assets | 1.1330% | 3,141 |
| Return on Equity (ROE) | 10.1545% | 2,318 |
| Retained earnings to average equity (ytd only) | -0.7679% | 4,802 |
| Net charge-offs to loans | -0.0650% | 4,900 |
| Credit loss provision to net charge-offs | -14.7059% | 3,765 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1124% | 1,905 |
| Assets per employee ($millions) | 3.7943% | 4,135 |
| Cash dividends to net income (ytd only)* | 107.5625% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4195% | 1,529 |
| Loan loss allowance to noncurrent loans | 117.7526% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 0.9177% | 1,518 |
| Noncurrent loans to loans | 1.2055% | 1,328 |
| Net loans and leases to total assets | 66.5524% | 3,034 |
| Net loans and leases to deposits | 75.1243% | 3,416 |
| Net loans and leases to core deposits | 77.1857% | 3,632 |
| Total domestic deposits to total assets | 88.5897% | 836 |
| Equity capital to assets | 11.0509% | 2,993 |
| Core capital (leverage) ratio | 9.9412% | 3,651 |
| Tier 1 risk-based capital ratio | 13.8135% | 3,415 |
| Total risk-based capital ratio | 15.0648% | 3,312 |
| Memoranda: | ||
| Average total assets | $315,791,670 | 2,079 |
| Average earning assets | $296,690,000 | 2,056 |
| Average equity | $33,857,000 | 2,205 |
| Average total loans | $209,376,000 | 2,115 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6219% | 2,462 |
| Cost of funding earning assets | 0.6765% | 3,169 |
| Net interest margin | 3.9454% | 2,040 |
| Noninterest income to average assets | 0.6565% | 1,798 |
| Noninterest expense to average assets | 3.2040% | 1,485 |
| Loan and lease loss provision to assets | 0.0063% | 3,349 |
| Net operating income to assets | 1.0967% | 2,485 |
| Return on assets (ROA) | 1.0967% | 2,530 |
| Pretax return on assets | 1.1422% | 3,001 |
| Return on Equity (ROE) | 10.3881% | 2,199 |
| Retained earnings to average equity (ytd only) | -3.8102% | 4,853 |
| Net charge-offs to loans | -0.0809% | 4,972 |
| Credit loss provision to net charge-offs | -11.9048% | 3,433 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0430% | 2,038 |
| Assets per employee ($millions) | 3.7803% | 4,224 |
| Cash dividends to net income (ytd only)* | 136.6782% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4517% | 1,504 |
| Loan loss allowance to noncurrent loans | 86.1055% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 1.3522% | 940 |
| Noncurrent loans to loans | 1.6860% | 921 |
| Net loans and leases to total assets | 63.8543% | 3,305 |
| Net loans and leases to deposits | 71.6316% | 3,630 |
| Net loans and leases to core deposits | 73.6477% | 3,816 |
| Total domestic deposits to total assets | 89.1426% | 797 |
| Equity capital to assets | 10.5708% | 3,286 |
| Core capital (leverage) ratio | 9.6523% | 3,969 |
| Tier 1 risk-based capital ratio | 13.7691% | 3,463 |
| Total risk-based capital ratio | 15.0201% | 3,368 |
| Memoranda: | ||
| Average total assets | $316,225,000 | 2,088 |
| Average earning assets | $296,244,500 | 2,073 |
| Average equity | $33,384,500 | 2,226 |
| Average total loans | $207,760,000 | 2,149 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5741% | 2,217 |
| Cost of funding earning assets | 0.6382% | 2,475 |
| Net interest margin | 3.9359% | 2,205 |
| Noninterest income to average assets | 0.7017% | 1,849 |
| Noninterest expense to average assets | 3.1711% | 1,628 |
| Loan and lease loss provision to assets | 0.0084% | 3,960 |
| Net operating income to assets | 1.1858% | 2,235 |
| Return on assets (ROA) | 1.1858% | 2,233 |
| Pretax return on assets | 1.2258% | 2,788 |
| Return on Equity (ROE) | 11.3640% | 1,953 |
| Retained earnings to average equity (ytd only) | 3.3205% | 3,748 |
| Net charge-offs to loans | 0.0345% | 2,713 |
| Credit loss provision to net charge-offs | 36.1111% | 3,311 |
| Earnings coverage of net charge-offs (x) | 53.1806% | 1,096 |
| Efficiency ratio | 70.6227% | 2,091 |
| Assets per employee ($millions) | 3.6617% | 4,377 |
| Cash dividends to net income (ytd only)* | 70.7801% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4016% | 1,632 |
| Loan loss allowance to noncurrent loans | 79.1813% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 1.2979% | 985 |
| Noncurrent loans to loans | 1.7701% | 805 |
| Net loans and leases to total assets | 65.6792% | 3,176 |
| Net loans and leases to deposits | 73.5762% | 3,537 |
| Net loans and leases to core deposits | 75.9991% | 3,720 |
| Total domestic deposits to total assets | 89.2669% | 752 |
| Equity capital to assets | 10.5435% | 3,139 |
| Core capital (leverage) ratio | 10.0032% | 3,571 |
| Tier 1 risk-based capital ratio | 13.7327% | 3,420 |
| Total risk-based capital ratio | 14.9833% | 3,345 |
| Memoranda: | ||
| Average total assets | $310,243,000 | 2,090 |
| Average earning assets | $291,928,400 | 2,062 |
| Average equity | $32,374,200 | 2,194 |
| Average total loans | $208,892,200 | 2,106 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5319% | 2,184 |
| Cost of funding earning assets | 0.6260% | 2,296 |
| Net interest margin | 3.9059% | 2,278 |
| Noninterest income to average assets | 0.6954% | 1,880 |
| Noninterest expense to average assets | 3.1991% | 1,523 |
| Loan and lease loss provision to assets | -0.0004% | 5,190 |
| Net operating income to assets | 1.1419% | 2,481 |
| Return on assets (ROA) | 1.1419% | 2,493 |
| Pretax return on assets | 1.1790% | 3,073 |
| Return on Equity (ROE) | 10.9716% | 2,186 |
| Retained earnings to average equity (ytd only) | 1.3098% | 4,774 |
| Net charge-offs to loans | 0.0403% | 2,282 |
| Credit loss provision to net charge-offs | -1.5873% | 4,059 |
| Earnings coverage of net charge-offs (x) | 43.3640% | 1,282 |
| Efficiency ratio | 71.6989% | 1,933 |
| Assets per employee ($millions) | 3.4178% | 4,664 |
| Cash dividends to net income (ytd only)* | 88.0618% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3843% | 1,763 |
| Loan loss allowance to noncurrent loans | 114.2745% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 0.9610% | 1,515 |
| Noncurrent loans to loans | 1.2113% | 1,400 |
| Net loans and leases to total assets | 67.6739% | 2,991 |
| Net loans and leases to deposits | 77.7119% | 3,263 |
| Net loans and leases to core deposits | 80.2965% | 3,474 |
| Total domestic deposits to total assets | 87.0830% | 1,689 |
| Equity capital to assets | 10.2824% | 3,359 |
| Core capital (leverage) ratio | 9.7767% | 3,865 |
| Tier 1 risk-based capital ratio | 13.4584% | 3,649 |
| Total risk-based capital ratio | 14.7094% | 3,561 |
| Memoranda: | ||
| Average total assets | $309,077,500 | 2,108 |
| Average earning assets | $291,382,000 | 2,081 |
| Average equity | $32,167,250 | 2,206 |
| Average total loans | $208,673,500 | 2,112 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4683% | 2,187 |
| Cost of funding earning assets | 0.6128% | 2,149 |
| Net interest margin | 3.8555% | 2,362 |
| Noninterest income to average assets | 0.6745% | 1,981 |
| Noninterest expense to average assets | 3.1799% | 1,590 |
| Loan and lease loss provision to assets | -0.0039% | 5,289 |
| Net operating income to assets | 1.1035% | 2,569 |
| Return on assets (ROA) | 1.1035% | 2,577 |
| Pretax return on assets | 1.1364% | 3,177 |
| Return on Equity (ROE) | 10.5606% | 2,305 |
| Retained earnings to average equity (ytd only) | -0.9831% | 5,067 |
| Net charge-offs to loans | -0.0433% | 4,868 |
| Credit loss provision to net charge-offs | 13.3333% | 2,716 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3446% | 1,946 |
| Assets per employee ($millions) | 3.4187% | 4,697 |
| Cash dividends to net income (ytd only)* | 109.3091% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4669% | 1,496 |
| Loan loss allowance to noncurrent loans | 116.6153% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 0.9211% | 1,636 |
| Noncurrent loans to loans | 1.2579% | 1,363 |
| Net loans and leases to total assets | 66.0377% | 3,145 |
| Net loans and leases to deposits | 73.9167% | 3,540 |
| Net loans and leases to core deposits | 76.1430% | 3,734 |
| Total domestic deposits to total assets | 89.3406% | 793 |
| Equity capital to assets | 10.3685% | 3,253 |
| Core capital (leverage) ratio | 9.6908% | 3,902 |
| Tier 1 risk-based capital ratio | 13.4331% | 3,655 |
| Total risk-based capital ratio | 14.6845% | 3,573 |
| Memoranda: | ||
| Average total assets | $309,569,000 | 2,121 |
| Average earning assets | $292,100,670 | 2,087 |
| Average equity | $32,346,670 | 2,205 |
| Average total loans | $207,868,330 | 2,121 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4034% | 2,184 |
| Cost of funding earning assets | 0.5977% | 2,068 |
| Net interest margin | 3.8057% | 2,405 |
| Noninterest income to average assets | 0.6943% | 1,853 |
| Noninterest expense to average assets | 3.1638% | 1,655 |
| Loan and lease loss provision to assets | 0.0090% | 3,399 |
| Net operating income to assets | 1.0666% | 2,580 |
| Return on assets (ROA) | 1.0666% | 2,591 |
| Pretax return on assets | 1.1143% | 3,119 |
| Return on Equity (ROE) | 10.1692% | 2,347 |
| Retained earnings to average equity (ytd only) | -4.6547% | 5,186 |
| Net charge-offs to loans | 0.0038% | 2,603 |
| Credit loss provision to net charge-offs | 350.0000% | 742 |
| Earnings coverage of net charge-offs (x) | 436.0000% | 151 |
| Efficiency ratio | 72.4159% | 2,134 |
| Assets per employee ($millions) | 3.6464% | 4,474 |
| Cash dividends to net income (ytd only)* | 145.7729% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4672% | 1,590 |
| Loan loss allowance to noncurrent loans | 132.9924% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 0.8124% | 1,953 |
| Noncurrent loans to loans | 1.1033% | 1,660 |
| Net loans and leases to total assets | 64.8050% | 3,201 |
| Net loans and leases to deposits | 72.4136% | 3,565 |
| Net loans and leases to core deposits | 76.0036% | 3,666 |
| Total domestic deposits to total assets | 89.4930% | 893 |
| Equity capital to assets | 10.2647% | 3,319 |
| Core capital (leverage) ratio | 9.4161% | 4,167 |
| Tier 1 risk-based capital ratio | 13.4861% | 3,659 |
| Total risk-based capital ratio | 14.7376% | 3,574 |
| Memoranda: | ||
| Average total assets | $310,512,500 | 2,140 |
| Average earning assets | $293,137,000 | 2,110 |
| Average equity | $32,569,000 | 2,200 |
| Average total loans | $208,697,000 | 2,130 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6918% | 1,221 |
| Cost of funding earning assets | 0.6000% | 1,590 |
| Net interest margin | 4.0918% | 1,473 |
| Noninterest income to average assets | 0.7482% | 1,781 |
| Noninterest expense to average assets | 3.1567% | 1,704 |
| Loan and lease loss provision to assets | -0.2515% | 5,603 |
| Net operating income to assets | 1.6631% | 568 |
| Return on assets (ROA) | 1.6552% | 595 |
| Pretax return on assets | 1.6706% | 1,093 |
| Return on Equity (ROE) | 15.9870% | 484 |
| Retained earnings to average equity (ytd only) | 6.9507% | 1,098 |
| Net charge-offs to loans | 0.1353% | 1,713 |
| Credit loss provision to net charge-offs | -271.2803% | 4,856 |
| Earnings coverage of net charge-offs (x) | 15.3910% | 2,251 |
| Efficiency ratio | 67.5649% | 2,984 |
| Assets per employee ($millions) | 3.3813% | 4,847 |
| Cash dividends to net income (ytd only)* | 56.5226% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3983% | 1,779 |
| Loan loss allowance to noncurrent loans | 150.3525% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 0.8297% | 1,879 |
| Noncurrent loans to loans | 0.9300% | 1,919 |
| Net loans and leases to total assets | 67.6858% | 2,868 |
| Net loans and leases to deposits | 76.3090% | 3,298 |
| Net loans and leases to core deposits | 80.1151% | 3,410 |
| Total domestic deposits to total assets | 88.6997% | 1,150 |
| Equity capital to assets | 10.7120% | 2,928 |
| Core capital (leverage) ratio | 9.5527% | 3,977 |
| Tier 1 risk-based capital ratio | 13.2432% | 3,761 |
| Total risk-based capital ratio | 14.4942% | 3,690 |
| Memoranda: | ||
| Average total assets | $311,683,600 | 2,107 |
| Average earning assets | $292,172,400 | 2,084 |
| Average equity | $32,270,000 | 2,207 |
| Average total loans | $213,658,200 | 2,048 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7243% | 1,087 |
| Cost of funding earning assets | 0.5916% | 1,591 |
| Net interest margin | 4.1327% | 1,312 |
| Noninterest income to average assets | 0.7807% | 1,662 |
| Noninterest expense to average assets | 2.9139% | 2,355 |
| Loan and lease loss provision to assets | -0.3335% | 5,700 |
| Net operating income to assets | 1.9959% | 317 |
| Return on assets (ROA) | 1.9959% | 323 |
| Pretax return on assets | 2.0716% | 477 |
| Return on Equity (ROE) | 19.4454% | 253 |
| Retained earnings to average equity (ytd only) | 8.4022% | 1,052 |
| Net charge-offs to loans | 0.1710% | 1,223 |
| Credit loss provision to net charge-offs | -284.6715% | 4,692 |
| Earnings coverage of net charge-offs (x) | 14.8359% | 2,270 |
| Efficiency ratio | 61.3511% | 3,987 |
| Assets per employee ($millions) | 3.6345% | 4,539 |
| Cash dividends to net income (ytd only)* | 56.7910% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4238% | 1,797 |
| Loan loss allowance to noncurrent loans | 172.7011% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 0.7723% | 2,206 |
| Noncurrent loans to loans | 0.8244% | 2,307 |
| Net loans and leases to total assets | 66.5628% | 3,031 |
| Net loans and leases to deposits | 78.2318% | 3,139 |
| Net loans and leases to core deposits | 82.6206% | 3,239 |
| Total domestic deposits to total assets | 85.0840% | 2,683 |
| Equity capital to assets | 10.7544% | 3,114 |
| Core capital (leverage) ratio | 9.5045% | 4,161 |
| Tier 1 risk-based capital ratio | 13.2995% | 3,822 |
| Total risk-based capital ratio | 14.5508% | 3,734 |
| Memoranda: | ||
| Average total assets | $311,834,500 | 2,120 |
| Average earning assets | $292,102,500 | 2,097 |
| Average equity | $32,006,750 | 2,233 |
| Average total loans | $213,687,000 | 2,058 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5170% | 1,476 |
| Cost of funding earning assets | 0.5748% | 1,612 |
| Net interest margin | 3.9422% | 1,801 |
| Noninterest income to average assets | 0.7503% | 1,771 |
| Noninterest expense to average assets | 2.9423% | 2,289 |
| Loan and lease loss provision to assets | -0.5026% | 5,760 |
| Net operating income to assets | 1.9423% | 342 |
| Return on assets (ROA) | 1.9423% | 351 |
| Pretax return on assets | 1.9994% | 529 |
| Return on Equity (ROE) | 19.2306% | 255 |
| Retained earnings to average equity (ytd only) | 6.3361% | 1,945 |
| Net charge-offs to loans | 0.2135% | 956 |
| Credit loss provision to net charge-offs | -341.9214% | 4,589 |
| Earnings coverage of net charge-offs (x) | 10.1834% | 2,362 |
| Efficiency ratio | 64.9364% | 3,511 |
| Assets per employee ($millions) | 3.8084% | 4,266 |
| Cash dividends to net income (ytd only)* | 67.0522% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4323% | 1,808 |
| Loan loss allowance to noncurrent loans | 86.0978% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 1.5028% | 1,012 |
| Noncurrent loans to loans | 1.6636% | 1,104 |
| Net loans and leases to total assets | 67.1453% | 2,927 |
| Net loans and leases to deposits | 76.1842% | 3,319 |
| Net loans and leases to core deposits | 80.1814% | 3,409 |
| Total domestic deposits to total assets | 88.1354% | 1,391 |
| Equity capital to assets | 10.5034% | 3,339 |
| Core capital (leverage) ratio | 9.1968% | 4,495 |
| Tier 1 risk-based capital ratio | 12.6785% | 4,193 |
| Total risk-based capital ratio | 13.9298% | 4,104 |
| Memoranda: | ||
| Average total assets | $311,589,000 | 2,123 |
| Average earning assets | $291,563,000 | 2,105 |
| Average equity | $31,470,670 | 2,263 |
| Average total loans | $214,562,330 | 2,051 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4623% | 1,462 |
| Cost of funding earning assets | 0.5697% | 1,588 |
| Net interest margin | 3.8927% | 1,809 |
| Noninterest income to average assets | 0.9999% | 1,006 |
| Noninterest expense to average assets | 2.9392% | 2,331 |
| Loan and lease loss provision to assets | 0.1851% | 918 |
| Net operating income to assets | 1.4471% | 899 |
| Return on assets (ROA) | 1.4471% | 922 |
| Pretax return on assets | 1.5114% | 1,500 |
| Return on Equity (ROE) | 14.6208% | 698 |
| Retained earnings to average equity (ytd only) | 4.9861% | 2,904 |
| Net charge-offs to loans | 0.5476% | 324 |
| Credit loss provision to net charge-offs | 48.8136% | 1,994 |
| Earnings coverage of net charge-offs (x) | 4.4746% | 2,384 |
| Efficiency ratio | 62.1292% | 4,132 |
| Assets per employee ($millions) | 3.7920% | 4,357 |
| Cash dividends to net income (ytd only)* | 65.8970% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8377% | 894 |
| Loan loss allowance to noncurrent loans | 130.2233% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 1.3758% | 1,221 |
| Noncurrent loans to loans | 1.4112% | 1,434 |
| Net loans and leases to total assets | 67.1328% | 2,799 |
| Net loans and leases to deposits | 75.5683% | 3,248 |
| Net loans and leases to core deposits | 79.5123% | 3,337 |
| Total domestic deposits to total assets | 88.8373% | 1,234 |
| Equity capital to assets | 10.0005% | 3,756 |
| Core capital (leverage) ratio | 8.9809% | 4,761 |
| Tier 1 risk-based capital ratio | 12.4850% | 4,398 |
| Total risk-based capital ratio | 13.7414% | 4,296 |
| Memoranda: | ||
| Average total assets | $311,238,500 | 2,145 |
| Average earning assets | $290,699,000 | 2,132 |
| Average equity | $30,805,500 | 2,311 |
| Average total loans | $215,476,000 | 2,056 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6467% | 1,175 |
| Cost of funding earning assets | 0.5688% | 1,547 |
| Net interest margin | 4.0779% | 1,432 |
| Noninterest income to average assets | 0.6891% | 2,221 |
| Noninterest expense to average assets | 2.8574% | 2,823 |
| Loan and lease loss provision to assets | 0.2171% | 1,022 |
| Net operating income to assets | 1.3979% | 1,012 |
| Return on assets (ROA) | 1.4004% | 1,033 |
| Pretax return on assets | 1.4207% | 1,859 |
| Return on Equity (ROE) | 13.6366% | 839 |
| Retained earnings to average equity (ytd only) | 4.2845% | 2,858 |
| Net charge-offs to loans | 0.0950% | 2,343 |
| Credit loss provision to net charge-offs | 323.9024% | 923 |
| Earnings coverage of net charge-offs (x) | 24.4000% | 1,639 |
| Efficiency ratio | 62.2499% | 4,212 |
| Assets per employee ($millions) | 3.6694% | 4,519 |
| Cash dividends to net income (ytd only)* | 68.5808% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8637% | 856 |
| Loan loss allowance to noncurrent loans | 392.9605% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.7605% | 2,454 |
| Noncurrent loans to loans | 0.4743% | 3,450 |
| Net loans and leases to total assets | 68.7970% | 2,648 |
| Net loans and leases to deposits | 79.2511% | 2,970 |
| Net loans and leases to core deposits | 83.3438% | 3,091 |
| Total domestic deposits to total assets | 86.8089% | 2,243 |
| Equity capital to assets | 9.9003% | 3,816 |
| Core capital (leverage) ratio | 9.0296% | 4,705 |
| Tier 1 risk-based capital ratio | 11.9682% | 4,753 |
| Total risk-based capital ratio | 13.2242% | 4,631 |
| Memoranda: | ||
| Average total assets | $305,902,200 | 2,135 |
| Average earning assets | $285,318,600 | 2,128 |
| Average equity | $31,415,400 | 2,259 |
| Average total loans | $215,871,800 | 2,003 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6559% | 1,172 |
| Cost of funding earning assets | 0.5673% | 1,564 |
| Net interest margin | 4.0886% | 1,411 |
| Noninterest income to average assets | 0.7004% | 2,164 |
| Noninterest expense to average assets | 2.8527% | 2,818 |
| Loan and lease loss provision to assets | 0.1883% | 1,159 |
| Net operating income to assets | 1.4193% | 1,029 |
| Return on assets (ROA) | 1.4226% | 1,073 |
| Pretax return on assets | 1.4791% | 1,776 |
| Return on Equity (ROE) | 13.7262% | 871 |
| Retained earnings to average equity (ytd only) | 3.4654% | 3,820 |
| Net charge-offs to loans | 0.1425% | 1,562 |
| Credit loss provision to net charge-offs | 186.9565% | 1,508 |
| Earnings coverage of net charge-offs (x) | 16.5173% | 2,107 |
| Efficiency ratio | 61.8018% | 4,265 |
| Assets per employee ($millions) | 3.7194% | 4,438 |
| Cash dividends to net income (ytd only)* | 74.7536% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7166% | 1,180 |
| Loan loss allowance to noncurrent loans | 282.6667% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.8629% | 2,395 |
| Noncurrent loans to loans | 0.6073% | 3,194 |
| Net loans and leases to total assets | 69.9324% | 2,498 |
| Net loans and leases to deposits | 82.5629% | 2,661 |
| Net loans and leases to core deposits | 86.9372% | 2,855 |
| Total domestic deposits to total assets | 84.7020% | 2,943 |
| Equity capital to assets | 10.3240% | 3,776 |
| Core capital (leverage) ratio | 8.8736% | 4,974 |
| Tier 1 risk-based capital ratio | 11.7085% | 4,974 |
| Total risk-based capital ratio | 12.9631% | 4,873 |
| Memoranda: | ||
| Average total assets | $304,403,000 | 2,150 |
| Average earning assets | $284,134,250 | 2,139 |
| Average equity | $31,549,500 | 2,268 |
| Average total loans | $215,176,750 | 2,010 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6665% | 1,126 |
| Cost of funding earning assets | 0.5701% | 1,545 |
| Net interest margin | 4.0964% | 1,372 |
| Noninterest income to average assets | 0.6947% | 2,165 |
| Noninterest expense to average assets | 2.8516% | 2,839 |
| Loan and lease loss provision to assets | 0.2287% | 893 |
| Net operating income to assets | 1.3736% | 1,105 |
| Return on assets (ROA) | 1.3787% | 1,164 |
| Pretax return on assets | 1.4397% | 1,878 |
| Return on Equity (ROE) | 13.2847% | 962 |
| Retained earnings to average equity (ytd only) | 1.0985% | 4,942 |
| Net charge-offs to loans | 0.0094% | 3,380 |
| Credit loss provision to net charge-offs | 3,450.0000% | 127 |
| Earnings coverage of net charge-offs (x) | 250.9000% | 266 |
| Efficiency ratio | 61.7971% | 4,374 |
| Assets per employee ($millions) | 3.8757% | 4,129 |
| Cash dividends to net income (ytd only)* | 91.7308% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8254% | 1,039 |
| Loan loss allowance to noncurrent loans | 166.9202% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 0.9671% | 2,214 |
| Noncurrent loans to loans | 1.0936% | 2,098 |
| Net loans and leases to total assets | 69.4030% | 2,568 |
| Net loans and leases to deposits | 78.9370% | 3,063 |
| Net loans and leases to core deposits | 83.0439% | 3,162 |
| Total domestic deposits to total assets | 87.9220% | 1,474 |
| Equity capital to assets | 10.5041% | 3,627 |
| Core capital (leverage) ratio | 8.8520% | 4,996 |
| Tier 1 risk-based capital ratio | 11.5203% | 5,139 |
| Total risk-based capital ratio | 12.7758% | 5,021 |
| Memoranda: | ||
| Average total assets | $301,728,670 | 2,170 |
| Average earning assets | $281,367,670 | 2,164 |
| Average equity | $31,314,330 | 2,286 |
| Average total loans | $212,801,330 | 2,028 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6764% | 1,100 |
| Cost of funding earning assets | 0.5644% | 1,587 |
| Net interest margin | 4.1120% | 1,308 |
| Noninterest income to average assets | 0.6838% | 2,116 |
| Noninterest expense to average assets | 2.8540% | 2,871 |
| Loan and lease loss provision to assets | 0.3139% | 490 |
| Net operating income to assets | 1.2861% | 1,287 |
| Return on assets (ROA) | 1.2861% | 1,372 |
| Pretax return on assets | 1.3395% | 2,138 |
| Return on Equity (ROE) | 12.4697% | 1,164 |
| Retained earnings to average equity (ytd only) | -2.1365% | 5,394 |
| Net charge-offs to loans | -0.0569% | 5,386 |
| Credit loss provision to net charge-offs | -783.3333% | 4,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9259% | 4,457 |
| Assets per employee ($millions) | 3.8633% | 4,191 |
| Cash dividends to net income (ytd only)* | 117.1340% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8423% | 1,070 |
| Loan loss allowance to noncurrent loans | 81.0061% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 2.0150% | 855 |
| Noncurrent loans to loans | 2.2743% | 887 |
| Net loans and leases to total assets | 68.6201% | 2,559 |
| Net loans and leases to deposits | 77.0833% | 3,099 |
| Net loans and leases to core deposits | 81.1917% | 3,216 |
| Total domestic deposits to total assets | 89.0207% | 1,088 |
| Equity capital to assets | 10.2629% | 3,784 |
| Core capital (leverage) ratio | 8.6694% | 5,210 |
| Tier 1 risk-based capital ratio | 11.4982% | 5,234 |
| Total risk-based capital ratio | 12.7537% | 5,139 |
| Memoranda: | ||
| Average total assets | $299,504,500 | 2,193 |
| Average earning assets | $278,503,000 | 2,189 |
| Average equity | $30,891,000 | 2,312 |
| Average total loans | $210,978,500 | 2,044 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7841% | 950 |
| Cost of funding earning assets | 0.5736% | 1,567 |
| Net interest margin | 4.2105% | 1,147 |
| Noninterest income to average assets | 0.7467% | 2,001 |
| Noninterest expense to average assets | 2.9075% | 2,836 |
| Loan and lease loss provision to assets | 0.1967% | 1,101 |
| Net operating income to assets | 1.5180% | 833 |
| Return on assets (ROA) | 1.5089% | 882 |
| Pretax return on assets | 1.5790% | 1,315 |
| Return on Equity (ROE) | 14.8284% | 713 |
| Retained earnings to average equity (ytd only) | 4.7228% | 2,624 |
| Net charge-offs to loans | 0.0420% | 3,380 |
| Credit loss provision to net charge-offs | 630.2326% | 535 |
| Earnings coverage of net charge-offs (x) | 57.1860% | 901 |
| Efficiency ratio | 61.1386% | 4,743 |
| Assets per employee ($millions) | 3.9722% | 3,990 |
| Cash dividends to net income (ytd only)* | 68.1501% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0030% | 795 |
| Loan loss allowance to noncurrent loans | 78.0165% | 4,178 |
| Noncurrent assets plus other real estate owned to assets | 2.2345% | 750 |
| Noncurrent loans to loans | 2.5674% | 699 |
| Net loans and leases to total assets | 69.7616% | 2,403 |
| Net loans and leases to deposits | 78.4751% | 2,996 |
| Net loans and leases to core deposits | 82.5745% | 3,089 |
| Total domestic deposits to total assets | 88.8965% | 1,174 |
| Equity capital to assets | 10.4399% | 3,438 |
| Core capital (leverage) ratio | 9.0040% | 4,878 |
| Tier 1 risk-based capital ratio | 11.8270% | 5,052 |
| Total risk-based capital ratio | 13.0845% | 4,970 |
| Memoranda: | ||
| Average total assets | $275,495,600 | 2,303 |
| Average earning assets | $258,188,200 | 2,277 |
| Average equity | $28,034,000 | 2,457 |
| Average total loans | $204,788,000 | 2,032 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7153% | 1,070 |
| Cost of funding earning assets | 0.5765% | 1,569 |
| Net interest margin | 4.1388% | 1,304 |
| Noninterest income to average assets | 0.7316% | 2,101 |
| Noninterest expense to average assets | 2.8203% | 3,103 |
| Loan and lease loss provision to assets | 0.2233% | 833 |
| Net operating income to assets | 1.5082% | 910 |
| Return on assets (ROA) | 1.4959% | 959 |
| Pretax return on assets | 1.5655% | 1,493 |
| Return on Equity (ROE) | 14.8063% | 755 |
| Retained earnings to average equity (ytd only) | 2.3275% | 4,724 |
| Net charge-offs to loans | 0.0250% | 3,438 |
| Credit loss provision to net charge-offs | 1,189.4737% | 321 |
| Earnings coverage of net charge-offs (x) | 95.9651% | 651 |
| Efficiency ratio | 60.3891% | 4,834 |
| Assets per employee ($millions) | 4.0226% | 3,839 |
| Cash dividends to net income (ytd only)* | 84.2801% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9865% | 930 |
| Loan loss allowance to noncurrent loans | 62.2281% | 4,626 |
| Noncurrent assets plus other real estate owned to assets | 2.4420% | 720 |
| Noncurrent loans to loans | 3.1923% | 528 |
| Net loans and leases to total assets | 69.7160% | 2,434 |
| Net loans and leases to deposits | 78.2285% | 3,077 |
| Net loans and leases to core deposits | 81.9834% | 3,252 |
| Total domestic deposits to total assets | 89.1185% | 965 |
| Equity capital to assets | 10.1132% | 4,037 |
| Core capital (leverage) ratio | 9.2476% | 4,666 |
| Tier 1 risk-based capital ratio | 11.5818% | 5,333 |
| Total risk-based capital ratio | 12.8393% | 5,254 |
| Memoranda: | ||
| Average total assets | $269,890,500 | 2,355 |
| Average earning assets | $253,692,000 | 2,331 |
| Average equity | $27,267,000 | 2,536 |
| Average total loans | $202,965,250 | 2,062 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7586% | 975 |
| Cost of funding earning assets | 0.5837% | 1,536 |
| Net interest margin | 4.1749% | 1,161 |
| Noninterest income to average assets | 0.7052% | 2,191 |
| Noninterest expense to average assets | 2.7648% | 3,365 |
| Loan and lease loss provision to assets | 0.1865% | 1,080 |
| Net operating income to assets | 1.6091% | 732 |
| Return on assets (ROA) | 1.5900% | 787 |
| Pretax return on assets | 1.6637% | 1,160 |
| Return on Equity (ROE) | 15.7439% | 638 |
| Retained earnings to average equity (ytd only) | 0.7978% | 5,239 |
| Net charge-offs to loans | 0.0010% | 3,874 |
| Credit loss provision to net charge-offs | 24,300.0000% | 17 |
| Earnings coverage of net charge-offs (x) | 2,437.0000% | 19 |
| Efficiency ratio | 59.1722% | 5,091 |
| Assets per employee ($millions) | 4.5697% | 2,873 |
| Cash dividends to net income (ytd only)* | 94.9324% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0006% | 988 |
| Loan loss allowance to noncurrent loans | 102.3079% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 1.6612% | 1,442 |
| Noncurrent loans to loans | 1.9555% | 1,267 |
| Net loans and leases to total assets | 74.5554% | 1,575 |
| Net loans and leases to deposits | 88.1287% | 1,821 |
| Net loans and leases to core deposits | 92.2224% | 2,136 |
| Total domestic deposits to total assets | 84.5983% | 3,297 |
| Equity capital to assets | 9.8188% | 4,254 |
| Core capital (leverage) ratio | 8.7355% | 5,284 |
| Tier 1 risk-based capital ratio | 10.8286% | 5,790 |
| Total risk-based capital ratio | 12.0865% | 5,720 |
| Memoranda: | ||
| Average total assets | $260,631,000 | 2,451 |
| Average earning assets | $245,323,330 | 2,417 |
| Average equity | $26,321,330 | 2,632 |
| Average total loans | $200,044,000 | 2,088 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7308% | 983 |
| Cost of funding earning assets | 0.5897% | 1,510 |
| Net interest margin | 4.1411% | 1,184 |
| Noninterest income to average assets | 0.7522% | 1,904 |
| Noninterest expense to average assets | 2.7490% | 3,421 |
| Loan and lease loss provision to assets | 0.1857% | 1,022 |
| Net operating income to assets | 1.6310% | 678 |
| Return on assets (ROA) | 1.5927% | 752 |
| Pretax return on assets | 1.6686% | 1,118 |
| Return on Equity (ROE) | 15.5497% | 626 |
| Retained earnings to average equity (ytd only) | -0.1209% | 5,399 |
| Net charge-offs to loans | 0.0201% | 2,750 |
| Credit loss provision to net charge-offs | 1,200.0000% | 290 |
| Earnings coverage of net charge-offs (x) | 122.4000% | 418 |
| Efficiency ratio | 58.8000% | 5,244 |
| Assets per employee ($millions) | 4.2947% | 3,379 |
| Cash dividends to net income (ytd only)* | 100.7775% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9539% | 1,174 |
| Loan loss allowance to noncurrent loans | 108.4793% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 1.5744% | 1,636 |
| Noncurrent loans to loans | 1.8012% | 1,508 |
| Net loans and leases to total assets | 75.9834% | 1,212 |
| Net loans and leases to deposits | 88.4115% | 1,573 |
| Net loans and leases to core deposits | 91.8174% | 1,958 |
| Total domestic deposits to total assets | 85.9429% | 2,973 |
| Equity capital to assets | 10.2851% | 3,791 |
| Core capital (leverage) ratio | 8.8129% | 5,188 |
| Tier 1 risk-based capital ratio | 10.8322% | 5,885 |
| Total risk-based capital ratio | 12.0895% | 5,807 |
| Memoranda: | ||
| Average total assets | $258,425,500 | 2,481 |
| Average earning assets | $242,836,000 | 2,446 |
| Average equity | $26,470,000 | 2,629 |
| Average total loans | $199,247,500 | 2,090 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8589% | 996 |
| Cost of funding earning assets | 0.6208% | 1,602 |
| Net interest margin | 4.2380% | 1,191 |
| Noninterest income to average assets | 0.6876% | 2,358 |
| Noninterest expense to average assets | 2.7399% | 3,715 |
| Loan and lease loss provision to assets | 0.1334% | 1,963 |
| Net operating income to assets | 1.6967% | 583 |
| Return on assets (ROA) | 1.7116% | 590 |
| Pretax return on assets | 1.7896% | 811 |
| Return on Equity (ROE) | 17.2504% | 467 |
| Retained earnings to average equity (ytd only) | 6.0150% | 1,921 |
| Net charge-offs to loans | 0.0861% | 3,260 |
| Credit loss provision to net charge-offs | 203.0303% | 1,215 |
| Earnings coverage of net charge-offs (x) | 29.0364% | 1,373 |
| Efficiency ratio | 58.5711% | 5,399 |
| Assets per employee ($millions) | 4.3927% | 3,205 |
| Cash dividends to net income (ytd only)* | 65.1314% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9075% | 1,297 |
| Loan loss allowance to noncurrent loans | 73.4030% | 4,412 |
| Noncurrent assets plus other real estate owned to assets | 2.2472% | 1,080 |
| Noncurrent loans to loans | 2.5986% | 960 |
| Net loans and leases to total assets | 75.2426% | 1,376 |
| Net loans and leases to deposits | 94.0957% | 1,066 |
| Net loans and leases to core deposits | 98.2259% | 1,531 |
| Total domestic deposits to total assets | 79.9639% | 5,028 |
| Equity capital to assets | 10.2008% | 3,851 |
| Core capital (leverage) ratio | 8.7980% | 5,246 |
| Tier 1 risk-based capital ratio | 10.9455% | 5,926 |
| Total risk-based capital ratio | 12.2462% | 5,845 |
| Memoranda: | ||
| Average total assets | $251,172,800 | 2,513 |
| Average earning assets | $234,684,200 | 2,470 |
| Average equity | $24,921,200 | 2,670 |
| Average total loans | $191,644,400 | 2,103 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8330% | 1,051 |
| Cost of funding earning assets | 0.6267% | 1,626 |
| Net interest margin | 4.2063% | 1,271 |
| Noninterest income to average assets | 0.6865% | 2,398 |
| Noninterest expense to average assets | 2.7220% | 3,742 |
| Loan and lease loss provision to assets | 0.1504% | 1,654 |
| Net operating income to assets | 1.6676% | 657 |
| Return on assets (ROA) | 1.6877% | 654 |
| Pretax return on assets | 1.7642% | 955 |
| Return on Equity (ROE) | 17.1347% | 533 |
| Retained earnings to average equity (ytd only) | 3.2596% | 4,306 |
| Net charge-offs to loans | 0.0857% | 2,986 |
| Credit loss provision to net charge-offs | 230.3279% | 1,131 |
| Earnings coverage of net charge-offs (x) | 29.0087% | 1,404 |
| Efficiency ratio | 58.6251% | 5,362 |
| Assets per employee ($millions) | 4.1048% | 3,660 |
| Cash dividends to net income (ytd only)* | 80.9765% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9026% | 1,449 |
| Loan loss allowance to noncurrent loans | 54.4264% | 4,974 |
| Noncurrent assets plus other real estate owned to assets | 2.9408% | 816 |
| Noncurrent loans to loans | 3.4957% | 690 |
| Net loans and leases to total assets | 75.3859% | 1,308 |
| Net loans and leases to deposits | 93.3231% | 1,092 |
| Net loans and leases to core deposits | 97.3810% | 1,564 |
| Total domestic deposits to total assets | 80.7795% | 4,888 |
| Equity capital to assets | 9.8038% | 4,417 |
| Core capital (leverage) ratio | 8.6140% | 5,540 |
| Tier 1 risk-based capital ratio | 10.6559% | 6,148 |
| Total risk-based capital ratio | 11.9556% | 6,081 |
| Memoranda: | ||
| Average total assets | $249,174,250 | 2,545 |
| Average earning assets | $232,753,500 | 2,508 |
| Average equity | $24,542,250 | 2,713 |
| Average total loans | $189,856,500 | 2,132 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8417% | 1,004 |
| Cost of funding earning assets | 0.6352% | 1,621 |
| Net interest margin | 4.2065% | 1,230 |
| Noninterest income to average assets | 0.6885% | 2,336 |
| Noninterest expense to average assets | 2.7346% | 3,745 |
| Loan and lease loss provision to assets | 0.1106% | 2,179 |
| Net operating income to assets | 1.6853% | 591 |
| Return on assets (ROA) | 1.6884% | 621 |
| Pretax return on assets | 1.7656% | 904 |
| Return on Equity (ROE) | 17.1144% | 541 |
| Retained earnings to average equity (ytd only) | 0.9970% | 5,358 |
| Net charge-offs to loans | 0.0653% | 3,063 |
| Credit loss provision to net charge-offs | 222.9508% | 1,070 |
| Earnings coverage of net charge-offs (x) | 37.7705% | 1,099 |
| Efficiency ratio | 58.8391% | 5,456 |
| Assets per employee ($millions) | 4.1336% | 3,581 |
| Cash dividends to net income (ytd only)* | 94.1743% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9176% | 1,536 |
| Loan loss allowance to noncurrent loans | 51.0424% | 5,131 |
| Noncurrent assets plus other real estate owned to assets | 3.1438% | 802 |
| Noncurrent loans to loans | 3.7569% | 660 |
| Net loans and leases to total assets | 74.9931% | 1,305 |
| Net loans and leases to deposits | 88.5425% | 1,530 |
| Net loans and leases to core deposits | 92.6273% | 1,892 |
| Total domestic deposits to total assets | 84.6972% | 3,644 |
| Equity capital to assets | 9.8065% | 4,344 |
| Core capital (leverage) ratio | 8.5893% | 5,542 |
| Tier 1 risk-based capital ratio | 10.6543% | 6,196 |
| Total risk-based capital ratio | 11.9541% | 6,122 |
| Memoranda: | ||
| Average total assets | $246,031,000 | 2,579 |
| Average earning assets | $229,218,330 | 2,553 |
| Average equity | $24,272,000 | 2,732 |
| Average total loans | $186,898,000 | 2,161 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8984% | 877 |
| Cost of funding earning assets | 0.6477% | 1,599 |
| Net interest margin | 4.2507% | 1,096 |
| Noninterest income to average assets | 0.6898% | 2,225 |
| Noninterest expense to average assets | 2.7427% | 3,791 |
| Loan and lease loss provision to assets | 0.0971% | 2,306 |
| Net operating income to assets | 1.7256% | 545 |
| Return on assets (ROA) | 1.7335% | 561 |
| Pretax return on assets | 1.8126% | 785 |
| Return on Equity (ROE) | 17.5175% | 483 |
| Retained earnings to average equity (ytd only) | 0.6987% | 5,313 |
| Net charge-offs to loans | 0.0174% | 3,236 |
| Credit loss provision to net charge-offs | 737.5000% | 402 |
| Earnings coverage of net charge-offs (x) | 144.3750% | 339 |
| Efficiency ratio | 58.5253% | 5,596 |
| Assets per employee ($millions) | 4.0475% | 3,829 |
| Cash dividends to net income (ytd only)* | 96.0114% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9926% | 1,527 |
| Loan loss allowance to noncurrent loans | 100.8512% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 1.7653% | 1,990 |
| Noncurrent loans to loans | 1.9758% | 1,891 |
| Net loans and leases to total assets | 74.3900% | 1,208 |
| Net loans and leases to deposits | 83.5037% | 1,875 |
| Net loans and leases to core deposits | 87.3659% | 2,156 |
| Total domestic deposits to total assets | 89.0859% | 1,600 |
| Equity capital to assets | 10.0049% | 3,838 |
| Core capital (leverage) ratio | 8.6582% | 5,447 |
| Tier 1 risk-based capital ratio | 10.9877% | 6,161 |
| Total risk-based capital ratio | 12.2917% | 6,089 |
| Memoranda: | ||
| Average total assets | $242,971,500 | 2,618 |
| Average earning assets | $226,033,000 | 2,593 |
| Average equity | $24,044,500 | 2,752 |
| Average total loans | $183,951,000 | 2,191 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0573% | 818 |
| Cost of funding earning assets | 0.6821% | 1,945 |
| Net interest margin | 4.3752% | 950 |
| Noninterest income to average assets | 0.7288% | 2,385 |
| Noninterest expense to average assets | 2.8720% | 3,455 |
| Loan and lease loss provision to assets | 0.2039% | 1,822 |
| Net operating income to assets | 1.6752% | 610 |
| Return on assets (ROA) | 1.7284% | 576 |
| Pretax return on assets | 1.7728% | 804 |
| Return on Equity (ROE) | 17.4899% | 456 |
| Retained earnings to average equity (ytd only) | 6.0597% | 1,933 |
| Net charge-offs to loans | 0.0218% | 4,999 |
| Credit loss provision to net charge-offs | 1,258.9744% | 199 |
| Earnings coverage of net charge-offs (x) | 118.6667% | 397 |
| Efficiency ratio | 58.6972% | 5,647 |
| Assets per employee ($millions) | 4.2648% | 3,327 |
| Cash dividends to net income (ytd only)* | 65.3532% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9731% | 1,618 |
| Loan loss allowance to noncurrent loans | 122.1997% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 1.4682% | 2,538 |
| Noncurrent loans to loans | 1.6146% | 2,486 |
| Net loans and leases to total assets | 74.0256% | 1,344 |
| Net loans and leases to deposits | 86.1591% | 1,663 |
| Net loans and leases to core deposits | 90.6381% | 1,946 |
| Total domestic deposits to total assets | 85.9173% | 3,301 |
| Equity capital to assets | 9.7872% | 4,056 |
| Core capital (leverage) ratio | 8.7781% | 5,315 |
| Tier 1 risk-based capital ratio | 11.0454% | 6,150 |
| Total risk-based capital ratio | 12.3038% | 6,091 |
| Memoranda: | ||
| Average total assets | $240,806,000 | 2,610 |
| Average earning assets | $223,736,200 | 2,579 |
| Average equity | $23,796,600 | 2,746 |
| Average total loans | $178,955,600 | 2,203 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0778% | 803 |
| Cost of funding earning assets | 0.6885% | 2,026 |
| Net interest margin | 4.3894% | 920 |
| Noninterest income to average assets | 0.7043% | 2,582 |
| Noninterest expense to average assets | 2.8538% | 3,471 |
| Loan and lease loss provision to assets | 0.2503% | 1,430 |
| Net operating income to assets | 1.6501% | 683 |
| Return on assets (ROA) | 1.7338% | 619 |
| Pretax return on assets | 1.7655% | 969 |
| Return on Equity (ROE) | 17.5026% | 489 |
| Retained earnings to average equity (ytd only) | 3.7089% | 4,055 |
| Net charge-offs to loans | 0.0097% | 4,950 |
| Credit loss provision to net charge-offs | 3,469.2308% | 99 |
| Earnings coverage of net charge-offs (x) | 267.5834% | 222 |
| Efficiency ratio | 58.5615% | 5,616 |
| Assets per employee ($millions) | 4.0837% | 3,669 |
| Cash dividends to net income (ytd only)* | 78.8091% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9954% | 1,730 |
| Loan loss allowance to noncurrent loans | 117.7930% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 1.6340% | 2,513 |
| Noncurrent loans to loans | 1.6940% | 2,653 |
| Net loans and leases to total assets | 73.5477% | 1,357 |
| Net loans and leases to deposits | 88.9682% | 1,272 |
| Net loans and leases to core deposits | 93.5642% | 1,613 |
| Total domestic deposits to total assets | 82.6674% | 4,696 |
| Equity capital to assets | 9.5896% | 4,433 |
| Core capital (leverage) ratio | 8.4572% | 5,806 |
| Tier 1 risk-based capital ratio | 10.8909% | 6,329 |
| Total risk-based capital ratio | 12.1496% | 6,288 |
| Memoranda: | ||
| Average total assets | $240,234,250 | 2,645 |
| Average earning assets | $223,292,500 | 2,599 |
| Average equity | $23,797,750 | 2,778 |
| Average total loans | $177,801,250 | 2,224 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0902% | 786 |
| Cost of funding earning assets | 0.6944% | 2,112 |
| Net interest margin | 4.3958% | 858 |
| Noninterest income to average assets | 0.6967% | 2,661 |
| Noninterest expense to average assets | 2.7792% | 3,748 |
| Loan and lease loss provision to assets | 0.2292% | 1,634 |
| Net operating income to assets | 1.7620% | 554 |
| Return on assets (ROA) | 1.8733% | 481 |
| Pretax return on assets | 1.8892% | 766 |
| Return on Equity (ROE) | 18.7110% | 408 |
| Retained earnings to average equity (ytd only) | 2.8549% | 4,495 |
| Net charge-offs to loans | -0.0158% | 5,888 |
| Credit loss provision to net charge-offs | -1,964.2857% | 6,137 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2623% | 5,829 |
| Assets per employee ($millions) | 4.2258% | 3,302 |
| Cash dividends to net income (ytd only)* | 84.7420% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9102% | 2,087 |
| Loan loss allowance to noncurrent loans | 102.0655% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 1.6943% | 2,567 |
| Noncurrent loans to loans | 1.8716% | 2,531 |
| Net loans and leases to total assets | 73.7400% | 1,294 |
| Net loans and leases to deposits | 88.6141% | 1,273 |
| Net loans and leases to core deposits | 93.5014% | 1,562 |
| Total domestic deposits to total assets | 83.2147% | 4,620 |
| Equity capital to assets | 9.6142% | 4,435 |
| Core capital (leverage) ratio | 8.2878% | 5,896 |
| Tier 1 risk-based capital ratio | 10.8690% | 6,389 |
| Total risk-based capital ratio | 12.1270% | 6,358 |
| Memoranda: | ||
| Average total assets | $239,999,330 | 2,649 |
| Average earning assets | $223,212,670 | 2,606 |
| Average equity | $24,028,670 | 2,768 |
| Average total loans | $176,797,330 | 2,235 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0422% | 835 |
| Cost of funding earning assets | 0.7082% | 2,136 |
| Net interest margin | 4.3340% | 901 |
| Noninterest income to average assets | 0.6629% | 2,806 |
| Noninterest expense to average assets | 2.7400% | 3,916 |
| Loan and lease loss provision to assets | 0.2488% | 1,449 |
| Net operating income to assets | 1.6226% | 675 |
| Return on assets (ROA) | 1.6480% | 715 |
| Pretax return on assets | 1.7265% | 1,014 |
| Return on Equity (ROE) | 16.1380% | 594 |
| Retained earnings to average equity (ytd only) | 1.9948% | 5,004 |
| Net charge-offs to loans | 0.0069% | 4,015 |
| Credit loss provision to net charge-offs | 4,966.6667% | 58 |
| Earnings coverage of net charge-offs (x) | 389.0000% | 91 |
| Efficiency ratio | 57.9772% | 5,858 |
| Assets per employee ($millions) | 4.1795% | 3,575 |
| Cash dividends to net income (ytd only)* | 87.6393% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9084% | 2,281 |
| Loan loss allowance to noncurrent loans | 90.5516% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 1.8360% | 2,562 |
| Noncurrent loans to loans | 2.1075% | 2,495 |
| Net loans and leases to total assets | 71.5444% | 1,425 |
| Net loans and leases to deposits | 82.1011% | 1,814 |
| Net loans and leases to core deposits | 86.9832% | 2,013 |
| Total domestic deposits to total assets | 87.1419% | 2,872 |
| Equity capital to assets | 10.2258% | 3,878 |
| Core capital (leverage) ratio | 8.2924% | 5,835 |
| Tier 1 risk-based capital ratio | 10.9034% | 6,447 |
| Total risk-based capital ratio | 12.1607% | 6,416 |
| Memoranda: | ||
| Average total assets | $239,563,000 | 2,677 |
| Average earning assets | $222,521,000 | 2,644 |
| Average equity | $24,464,000 | 2,764 |
| Average total loans | $174,657,000 | 2,274 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2812% | 964 |
| Cost of funding earning assets | 0.8529% | 2,271 |
| Net interest margin | 4.4283% | 1,095 |
| Noninterest income to average assets | 0.6823% | 2,823 |
| Noninterest expense to average assets | 2.7702% | 4,143 |
| Loan and lease loss provision to assets | 0.2369% | 2,766 |
| Net operating income to assets | 1.7113% | 604 |
| Return on assets (ROA) | 1.7192% | 668 |
| Pretax return on assets | 1.7991% | 923 |
| Return on Equity (ROE) | 16.6538% | 576 |
| Retained earnings to average equity (ytd only) | 3.8243% | 3,512 |
| Net charge-offs to loans | 0.0763% | 4,915 |
| Credit loss provision to net charge-offs | 430.9524% | 557 |
| Earnings coverage of net charge-offs (x) | 36.8889% | 859 |
| Efficiency ratio | 56.0556% | 6,053 |
| Assets per employee ($millions) | 4.3017% | 3,354 |
| Cash dividends to net income (ytd only)* | 77.0363% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8057% | 2,570 |
| Loan loss allowance to noncurrent loans | 89.5480% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 1.7663% | 2,755 |
| Noncurrent loans to loans | 2.0164% | 2,682 |
| Net loans and leases to total assets | 71.5611% | 1,559 |
| Net loans and leases to deposits | 87.1601% | 1,368 |
| Net loans and leases to core deposits | 92.8084% | 1,569 |
| Total domestic deposits to total assets | 82.1030% | 5,062 |
| Equity capital to assets | 10.1982% | 3,891 |
| Core capital (leverage) ratio | 8.3395% | 5,838 |
| Tier 1 risk-based capital ratio | 10.8079% | 6,422 |
| Total risk-based capital ratio | 12.0259% | 6,408 |
| Memoranda: | ||
| Average total assets | $229,228,800 | 2,734 |
| Average earning assets | $213,038,600 | 2,700 |
| Average equity | $23,664,200 | 2,783 |
| Average total loans | $165,095,800 | 2,360 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3120% | 988 |
| Cost of funding earning assets | 0.8896% | 2,244 |
| Net interest margin | 4.4225% | 1,158 |
| Noninterest income to average assets | 0.6970% | 2,727 |
| Noninterest expense to average assets | 2.7159% | 4,303 |
| Loan and lease loss provision to assets | 0.2351% | 2,696 |
| Net operating income to assets | 1.7751% | 603 |
| Return on assets (ROA) | 1.7751% | 668 |
| Pretax return on assets | 1.8582% | 948 |
| Return on Equity (ROE) | 17.1395% | 593 |
| Retained earnings to average equity (ytd only) | 1.2628% | 5,670 |
| Net charge-offs to loans | 0.0558% | 4,873 |
| Credit loss provision to net charge-offs | 586.7647% | 451 |
| Earnings coverage of net charge-offs (x) | 52.2525% | 729 |
| Efficiency ratio | 54.6245% | 6,186 |
| Assets per employee ($millions) | 4.0209% | 3,825 |
| Cash dividends to net income (ytd only)* | 92.6320% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8284% | 2,707 |
| Loan loss allowance to noncurrent loans | 134.2621% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 1.3100% | 3,674 |
| Noncurrent loans to loans | 1.3618% | 3,746 |
| Net loans and leases to total assets | 71.0014% | 1,723 |
| Net loans and leases to deposits | 82.5404% | 2,045 |
| Net loans and leases to core deposits | 87.8068% | 2,236 |
| Total domestic deposits to total assets | 86.0202% | 3,246 |
| Equity capital to assets | 10.3184% | 4,056 |
| Core capital (leverage) ratio | 8.1035% | 6,225 |
| Tier 1 risk-based capital ratio | 10.8553% | 6,539 |
| Total risk-based capital ratio | 12.1118% | 6,514 |
| Memoranda: | ||
| Average total assets | $226,312,250 | 2,791 |
| Average earning assets | $210,435,000 | 2,756 |
| Average equity | $23,438,500 | 2,828 |
| Average total loans | $162,480,500 | 2,422 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3180% | 1,015 |
| Cost of funding earning assets | 0.9338% | 2,155 |
| Net interest margin | 4.3842% | 1,249 |
| Noninterest income to average assets | 0.6776% | 2,788 |
| Noninterest expense to average assets | 2.6945% | 4,453 |
| Loan and lease loss provision to assets | 0.2161% | 2,910 |
| Net operating income to assets | 1.7615% | 601 |
| Return on assets (ROA) | 1.7615% | 677 |
| Pretax return on assets | 1.8454% | 950 |
| Return on Equity (ROE) | 16.9867% | 635 |
| Retained earnings to average equity (ytd only) | 2.9359% | 4,681 |
| Net charge-offs to loans | 0.0785% | 4,364 |
| Credit loss provision to net charge-offs | 384.1270% | 776 |
| Earnings coverage of net charge-offs (x) | 36.6508% | 937 |
| Efficiency ratio | 54.6649% | 6,256 |
| Assets per employee ($millions) | 4.1692% | 3,520 |
| Cash dividends to net income (ytd only)* | 82.7167% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7690% | 2,955 |
| Loan loss allowance to noncurrent loans | 126.2705% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 1.3432% | 3,751 |
| Noncurrent loans to loans | 1.4009% | 3,818 |
| Net loans and leases to total assets | 71.0038% | 1,735 |
| Net loans and leases to deposits | 84.1574% | 1,832 |
| Net loans and leases to core deposits | 89.9804% | 1,987 |
| Total domestic deposits to total assets | 84.3702% | 4,158 |
| Equity capital to assets | 10.4507% | 3,749 |
| Core capital (leverage) ratio | 8.3882% | 5,805 |
| Tier 1 risk-based capital ratio | 10.9064% | 6,539 |
| Total risk-based capital ratio | 12.1621% | 6,519 |
| Memoranda: | ||
| Average total assets | $224,011,330 | 2,827 |
| Average earning assets | $208,385,330 | 2,783 |
| Average equity | $23,230,000 | 2,832 |
| Average total loans | $160,417,330 | 2,459 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3204% | 1,058 |
| Cost of funding earning assets | 0.9843% | 2,075 |
| Net interest margin | 4.3361% | 1,363 |
| Noninterest income to average assets | 0.6848% | 2,731 |
| Noninterest expense to average assets | 2.6599% | 4,584 |
| Loan and lease loss provision to assets | 0.2078% | 2,871 |
| Net operating income to assets | 1.7600% | 650 |
| Return on assets (ROA) | 1.7600% | 726 |
| Pretax return on assets | 1.8449% | 984 |
| Return on Equity (ROE) | 17.0406% | 666 |
| Retained earnings to average equity (ytd only) | 4.4789% | 3,904 |
| Net charge-offs to loans | 0.0101% | 4,581 |
| Credit loss provision to net charge-offs | 2,875.0000% | 104 |
| Earnings coverage of net charge-offs (x) | 284.0000% | 116 |
| Efficiency ratio | 54.1028% | 6,339 |
| Assets per employee ($millions) | 4.2615% | 3,472 |
| Cash dividends to net income (ytd only)* | 73.7166% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8092% | 2,963 |
| Loan loss allowance to noncurrent loans | 186.7014% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 0.9617% | 4,584 |
| Noncurrent loans to loans | 0.9691% | 4,741 |
| Net loans and leases to total assets | 68.8190% | 1,968 |
| Net loans and leases to deposits | 78.2542% | 2,461 |
| Net loans and leases to core deposits | 83.5222% | 2,602 |
| Total domestic deposits to total assets | 87.9429% | 2,359 |
| Equity capital to assets | 10.1276% | 3,946 |
| Core capital (leverage) ratio | 8.2482% | 5,957 |
| Tier 1 risk-based capital ratio | 11.0508% | 6,514 |
| Total risk-based capital ratio | 12.3072% | 6,493 |
| Memoranda: | ||
| Average total assets | $221,364,000 | 2,875 |
| Average earning assets | $205,622,500 | 2,827 |
| Average equity | $22,863,000 | 2,866 |
| Average total loans | $157,752,000 | 2,513 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4701% | 1,243 |
| Cost of funding earning assets | 1.1700% | 2,223 |
| Net interest margin | 4.3000% | 1,696 |
| Noninterest income to average assets | 0.7513% | 2,332 |
| Noninterest expense to average assets | 2.7927% | 4,378 |
| Loan and lease loss provision to assets | 0.2693% | 3,520 |
| Net operating income to assets | 1.5894% | 680 |
| Return on assets (ROA) | 1.5912% | 736 |
| Pretax return on assets | 1.6645% | 1,069 |
| Return on Equity (ROE) | 15.5762% | 668 |
| Retained earnings to average equity (ytd only) | 4.5601% | 2,934 |
| Net charge-offs to loans | 0.0995% | 5,355 |
| Credit loss provision to net charge-offs | 382.4324% | 609 |
| Earnings coverage of net charge-offs (x) | 27.4324% | 906 |
| Efficiency ratio | 57.3472% | 6,140 |
| Assets per employee ($millions) | 4.0919% | 3,662 |
| Cash dividends to net income (ytd only)* | 70.7237% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7512% | 3,022 |
| Loan loss allowance to noncurrent loans | 202.1292% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.9430% | 4,722 |
| Noncurrent loans to loans | 0.8664% | 4,953 |
| Net loans and leases to total assets | 71.2195% | 1,785 |
| Net loans and leases to deposits | 84.2238% | 1,896 |
| Net loans and leases to core deposits | 90.5017% | 2,053 |
| Total domestic deposits to total assets | 84.5598% | 4,061 |
| Equity capital to assets | 10.5372% | 3,492 |
| Core capital (leverage) ratio | 8.3058% | 5,847 |
| Tier 1 risk-based capital ratio | 10.9039% | 6,502 |
| Total risk-based capital ratio | 12.1597% | 6,483 |
| Memoranda: | ||
| Average total assets | $210,155,800 | 2,942 |
| Average earning assets | $194,184,400 | 2,920 |
| Average equity | $21,468,600 | 2,954 |
| Average total loans | $148,768,600 | 2,659 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4754% | 1,315 |
| Cost of funding earning assets | 1.2025% | 2,301 |
| Net interest margin | 4.2730% | 1,817 |
| Noninterest income to average assets | 0.7604% | 2,258 |
| Noninterest expense to average assets | 2.6880% | 4,775 |
| Loan and lease loss provision to assets | 0.3006% | 3,120 |
| Net operating income to assets | 1.6456% | 710 |
| Return on assets (ROA) | 1.6481% | 774 |
| Pretax return on assets | 1.7242% | 1,090 |
| Return on Equity (ROE) | 16.2664% | 644 |
| Retained earnings to average equity (ytd only) | 3.1056% | 4,473 |
| Net charge-offs to loans | 0.1146% | 4,874 |
| Credit loss provision to net charge-offs | 373.0159% | 762 |
| Earnings coverage of net charge-offs (x) | 25.0946% | 1,059 |
| Efficiency ratio | 55.3021% | 6,362 |
| Assets per employee ($millions) | 4.3720% | 3,132 |
| Cash dividends to net income (ytd only)* | 80.9081% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7624% | 3,062 |
| Loan loss allowance to noncurrent loans | 147.6847% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 1.2299% | 4,338 |
| Noncurrent loans to loans | 1.1934% | 4,547 |
| Net loans and leases to total assets | 71.1571% | 1,872 |
| Net loans and leases to deposits | 82.4618% | 2,267 |
| Net loans and leases to core deposits | 87.9972% | 2,491 |
| Total domestic deposits to total assets | 86.2909% | 3,043 |
| Equity capital to assets | 10.6145% | 3,556 |
| Core capital (leverage) ratio | 8.3084% | 5,964 |
| Tier 1 risk-based capital ratio | 11.1769% | 6,446 |
| Total risk-based capital ratio | 12.4330% | 6,428 |
| Memoranda: | ||
| Average total assets | $208,477,500 | 2,977 |
| Average earning assets | $192,711,250 | 2,948 |
| Average equity | $21,122,750 | 2,990 |
| Average total loans | $146,659,250 | 2,713 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7725% | 759 |
| Cost of funding earning assets | 1.3210% | 1,815 |
| Net interest margin | 4.4515% | 1,240 |
| Noninterest income to average assets | 0.8423% | 1,829 |
| Noninterest expense to average assets | 2.8166% | 4,358 |
| Loan and lease loss provision to assets | 0.3360% | 2,769 |
| Net operating income to assets | 1.7060% | 593 |
| Return on assets (ROA) | 1.7094% | 635 |
| Pretax return on assets | 1.7910% | 897 |
| Return on Equity (ROE) | 16.6398% | 592 |
| Retained earnings to average equity (ytd only) | -2.7061% | 6,337 |
| Net charge-offs to loans | 0.1524% | 4,270 |
| Credit loss provision to net charge-offs | 302.1277% | 1,001 |
| Earnings coverage of net charge-offs (x) | 19.0957% | 1,230 |
| Efficiency ratio | 55.4598% | 6,467 |
| Assets per employee ($millions) | 3.7251% | 4,369 |
| Cash dividends to net income (ytd only)* | 116.2630% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8062% | 2,968 |
| Loan loss allowance to noncurrent loans | 171.7773% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 1.2104% | 4,472 |
| Noncurrent loans to loans | 1.0515% | 4,896 |
| Net loans and leases to total assets | 71.4487% | 1,896 |
| Net loans and leases to deposits | 85.0156% | 1,946 |
| Net loans and leases to core deposits | 91.8159% | 2,163 |
| Total domestic deposits to total assets | 84.0419% | 4,329 |
| Equity capital to assets | 10.2320% | 3,840 |
| Core capital (leverage) ratio | 8.1504% | 6,097 |
| Tier 1 risk-based capital ratio | 11.0658% | 6,472 |
| Total risk-based capital ratio | 12.3228% | 6,456 |
| Memoranda: | ||
| Average total assets | $169,069,000 | 3,556 |
| Average earning assets | $155,634,000 | 3,531 |
| Average equity | $17,368,000 | 3,518 |
| Average total loans | $123,350,000 | 3,161 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6680% | 942 |
| Cost of funding earning assets | 1.3458% | 1,916 |
| Net interest margin | 4.3222% | 1,500 |
| Noninterest income to average assets | 0.8385% | 1,891 |
| Noninterest expense to average assets | 2.7179% | 4,763 |
| Loan and lease loss provision to assets | 0.3525% | 2,438 |
| Net operating income to assets | 1.6630% | 604 |
| Return on assets (ROA) | 1.6698% | 636 |
| Pretax return on assets | 1.7532% | 890 |
| Return on Equity (ROE) | 16.2217% | 655 |
| Retained earnings to average equity (ytd only) | 3.8414% | 3,870 |
| Net charge-offs to loans | 0.1793% | 3,417 |
| Credit loss provision to net charge-offs | 269.0909% | 1,169 |
| Earnings coverage of net charge-offs (x) | 16.0182% | 1,287 |
| Efficiency ratio | 54.7972% | 6,618 |
| Assets per employee ($millions) | 3.9887% | 3,859 |
| Cash dividends to net income (ytd only)* | 76.3195% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7805% | 3,069 |
| Loan loss allowance to noncurrent loans | 93.2900% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 1.7024% | 3,700 |
| Noncurrent loans to loans | 1.9086% | 3,691 |
| Net loans and leases to total assets | 70.9605% | 1,938 |
| Net loans and leases to deposits | 82.3067% | 2,307 |
| Net loans and leases to core deposits | 88.8409% | 2,499 |
| Total domestic deposits to total assets | 86.2148% | 3,387 |
| Equity capital to assets | 10.3906% | 3,297 |
| Core capital (leverage) ratio | 8.4750% | 5,506 |
| Tier 1 risk-based capital ratio | 11.2699% | 6,287 |
| Total risk-based capital ratio | 12.5261% | 6,259 |
| Memoranda: | ||
| Average total assets | $167,926,000 | 3,591 |
| Average earning assets | $154,551,500 | 3,572 |
| Average equity | $17,285,500 | 3,527 |
| Average total loans | $122,683,500 | 3,203 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0895% | 715 |
| Cost of funding earning assets | 1.6532% | 1,813 |
| Net interest margin | 4.4363% | 1,384 |
| Noninterest income to average assets | 0.8198% | 2,188 |
| Noninterest expense to average assets | 2.9380% | 4,075 |
| Loan and lease loss provision to assets | 0.3235% | 4,224 |
| Net operating income to assets | 1.5490% | 693 |
| Return on assets (ROA) | 1.5490% | 753 |
| Pretax return on assets | 1.6220% | 1,079 |
| Return on Equity (ROE) | 15.1225% | 697 |
| Retained earnings to average equity (ytd only) | 7.1249% | 1,267 |
| Net charge-offs to loans | 0.0668% | 6,129 |
| Credit loss provision to net charge-offs | 673.4177% | 312 |
| Earnings coverage of net charge-offs (x) | 40.4937% | 578 |
| Efficiency ratio | 58.4060% | 6,290 |
| Assets per employee ($millions) | 3.8256% | 4,189 |
| Cash dividends to net income (ytd only)* | 52.8857% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6584% | 3,365 |
| Loan loss allowance to noncurrent loans | 87.2250% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 1.8286% | 3,590 |
| Noncurrent loans to loans | 1.9013% | 3,684 |
| Net loans and leases to total assets | 72.6404% | 1,959 |
| Net loans and leases to deposits | 91.7634% | 1,289 |
| Net loans and leases to core deposits | 99.7642% | 1,641 |
| Total domestic deposits to total assets | 79.1606% | 6,043 |
| Equity capital to assets | 10.1969% | 3,508 |
| Core capital (leverage) ratio | 8.3352% | 5,635 |
| Tier 1 risk-based capital ratio | 10.9939% | 6,330 |
| Total risk-based capital ratio | 12.2489% | 6,302 |
| Memoranda: | ||
| Average total assets | $164,430,800 | 3,627 |
| Average earning assets | $150,620,800 | 3,626 |
| Average equity | $16,842,400 | 3,621 |
| Average total loans | $118,188,400 | 3,353 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0642% | 818 |
| Cost of funding earning assets | 1.7142% | 1,800 |
| Net interest margin | 4.3501% | 1,679 |
| Noninterest income to average assets | 0.8361% | 2,049 |
| Noninterest expense to average assets | 2.8884% | 4,136 |
| Loan and lease loss provision to assets | 0.2896% | 4,261 |
| Net operating income to assets | 1.5645% | 796 |
| Return on assets (ROA) | 1.5645% | 872 |
| Pretax return on assets | 1.6387% | 1,251 |
| Return on Equity (ROE) | 15.2564% | 820 |
| Retained earnings to average equity (ytd only) | 6.4112% | 2,133 |
| Net charge-offs to loans | 0.0800% | 5,721 |
| Credit loss provision to net charge-offs | 507.1429% | 575 |
| Earnings coverage of net charge-offs (x) | 33.7718% | 796 |
| Efficiency ratio | 58.1710% | 6,245 |
| Assets per employee ($millions) | 3.5510% | 4,848 |
| Cash dividends to net income (ytd only)* | 57.9771% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5681% | 3,666 |
| Loan loss allowance to noncurrent loans | 95.2716% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 1.4518% | 4,272 |
| Noncurrent loans to loans | 1.6460% | 4,176 |
| Net loans and leases to total assets | 71.2336% | 2,421 |
| Net loans and leases to deposits | 87.4799% | 2,082 |
| Net loans and leases to core deposits | 95.0959% | 2,373 |
| Total domestic deposits to total assets | 81.4286% | 5,229 |
| Equity capital to assets | 10.5605% | 3,458 |
| Core capital (leverage) ratio | 8.2435% | 5,970 |
| Tier 1 risk-based capital ratio | 11.1616% | 6,231 |
| Total risk-based capital ratio | 12.4158% | 6,225 |
| Memoranda: | ||
| Average total assets | $163,457,250 | 3,686 |
| Average earning assets | $149,572,500 | 3,690 |
| Average equity | $16,762,000 | 3,688 |
| Average total loans | $116,652,000 | 3,433 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0500% | 847 |
| Cost of funding earning assets | 1.8429% | 1,467 |
| Net interest margin | 4.2071% | 2,135 |
| Noninterest income to average assets | 0.7837% | 2,215 |
| Noninterest expense to average assets | 2.8747% | 4,164 |
| Loan and lease loss provision to assets | 0.2699% | 4,234 |
| Net operating income to assets | 1.4207% | 1,052 |
| Return on assets (ROA) | 1.4207% | 1,122 |
| Pretax return on assets | 1.4873% | 1,589 |
| Return on Equity (ROE) | 13.9975% | 1,040 |
| Retained earnings to average equity (ytd only) | 3.6663% | 3,764 |
| Net charge-offs to loans | 0.1024% | 5,127 |
| Credit loss provision to net charge-offs | 371.1864% | 986 |
| Earnings coverage of net charge-offs (x) | 24.1695% | 1,081 |
| Efficiency ratio | 60.0160% | 6,044 |
| Assets per employee ($millions) | 3.7383% | 4,373 |
| Cash dividends to net income (ytd only)* | 73.8075% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4878% | 3,988 |
| Loan loss allowance to noncurrent loans | 127.1747% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 1.0882% | 4,957 |
| Noncurrent loans to loans | 1.1699% | 5,001 |
| Net loans and leases to total assets | 71.2126% | 2,612 |
| Net loans and leases to deposits | 84.5934% | 2,771 |
| Net loans and leases to core deposits | 91.4952% | 3,058 |
| Total domestic deposits to total assets | 84.1821% | 4,022 |
| Equity capital to assets | 10.2034% | 3,762 |
| Core capital (leverage) ratio | 7.9229% | 6,361 |
| Tier 1 risk-based capital ratio | 10.8450% | 6,405 |
| Total risk-based capital ratio | 12.0980% | 6,392 |
| Memoranda: | ||
| Average total assets | $162,311,000 | 3,736 |
| Average earning assets | $148,462,000 | 3,730 |
| Average equity | $16,474,330 | 3,725 |
| Average total loans | $115,276,000 | 3,503 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0481% | 890 |
| Cost of funding earning assets | 2.0568% | 924 |
| Net interest margin | 3.9912% | 2,905 |
| Noninterest income to average assets | 0.7443% | 2,330 |
| Noninterest expense to average assets | 2.9003% | 4,061 |
| Loan and lease loss provision to assets | 0.2481% | 4,061 |
| Net operating income to assets | 1.1735% | 1,606 |
| Return on assets (ROA) | 1.1735% | 1,687 |
| Pretax return on assets | 1.2355% | 2,249 |
| Return on Equity (ROE) | 11.5931% | 1,613 |
| Retained earnings to average equity (ytd only) | -3.0637% | 6,372 |
| Net charge-offs to loans | 0.1798% | 3,843 |
| Credit loss provision to net charge-offs | 196.0784% | 1,890 |
| Earnings coverage of net charge-offs (x) | 11.7255% | 1,625 |
| Efficiency ratio | 64.0068% | 5,492 |
| Assets per employee ($millions) | 3.9213% | 4,050 |
| Cash dividends to net income (ytd only)* | 126.4271% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4625% | 4,117 |
| Loan loss allowance to noncurrent loans | 169.5297% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 0.7395% | 5,679 |
| Noncurrent loans to loans | 0.8627% | 5,596 |
| Net loans and leases to total assets | 67.8284% | 3,432 |
| Net loans and leases to deposits | 79.1725% | 3,809 |
| Net loans and leases to core deposits | 85.6252% | 3,955 |
| Total domestic deposits to total assets | 85.6717% | 3,336 |
| Equity capital to assets | 9.9056% | 3,982 |
| Core capital (leverage) ratio | 8.9234% | 4,690 |
| Tier 1 risk-based capital ratio | 10.7108% | 6,428 |
| Total risk-based capital ratio | 11.9630% | 6,416 |
| Memoranda: | ||
| Average total assets | $161,224,000 | 3,819 |
| Average earning assets | $147,022,500 | 3,817 |
| Average equity | $16,320,000 | 3,777 |
| Average total loans | $113,462,500 | 3,608 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4519% | 734 |
| Cost of funding earning assets | 2.2180% | 1,954 |
| Net interest margin | 4.2339% | 1,961 |
| Noninterest income to average assets | 0.7208% | 2,847 |
| Noninterest expense to average assets | 2.9656% | 4,279 |
| Loan and lease loss provision to assets | 0.1622% | 6,063 |
| Net operating income to assets | 1.4368% | 792 |
| Return on assets (ROA) | 1.4615% | 793 |
| Pretax return on assets | 1.5156% | 1,151 |
| Return on Equity (ROE) | 14.7688% | 697 |
| Retained earnings to average equity (ytd only) | 6.2691% | 1,243 |
| Net charge-offs to loans | 0.0429% | 6,680 |
| Credit loss provision to net charge-offs | 525.0000% | 577 |
| Earnings coverage of net charge-offs (x) | 53.4792% | 488 |
| Efficiency ratio | 62.0906% | 6,139 |
| Assets per employee ($millions) | 3.6687% | 4,596 |
| Cash dividends to net income (ytd only)* | 57.5517% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4169% | 4,138 |
| Loan loss allowance to noncurrent loans | 241.9549% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 0.5711% | 6,035 |
| Noncurrent loans to loans | 0.5856% | 6,070 |
| Net loans and leases to total assets | 70.9641% | 3,017 |
| Net loans and leases to deposits | 85.0307% | 3,076 |
| Net loans and leases to core deposits | 101.6933% | 3,831 |
| Total domestic deposits to total assets | 83.4570% | 4,299 |
| Equity capital to assets | 10.3491% | 3,341 |
| Core capital (leverage) ratio | 9.3343% | 3,925 |
| Tier 1 risk-based capital ratio | 11.0572% | 5,868 |
| Total risk-based capital ratio | 12.3097% | 5,827 |
| Memoranda: | ||
| Average total assets | $155,383,400 | 3,874 |
| Average earning assets | $143,013,200 | 3,837 |
| Average equity | $15,377,000 | 3,998 |
| Average total loans | $111,875,200 | 3,651 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4890% | 763 |
| Cost of funding earning assets | 2.2075% | 2,375 |
| Net interest margin | 4.2815% | 1,777 |
| Noninterest income to average assets | 0.7046% | 2,988 |
| Noninterest expense to average assets | 2.9252% | 4,339 |
| Loan and lease loss provision to assets | 0.1705% | 5,656 |
| Net operating income to assets | 1.5069% | 798 |
| Return on assets (ROA) | 1.5203% | 831 |
| Pretax return on assets | 1.5737% | 1,236 |
| Return on Equity (ROE) | 15.5437% | 708 |
| Retained earnings to average equity (ytd only) | 4.7116% | 2,650 |
| Net charge-offs to loans | 0.0371% | 6,385 |
| Credit loss provision to net charge-offs | 638.7097% | 589 |
| Earnings coverage of net charge-offs (x) | 64.8101% | 507 |
| Efficiency ratio | 60.7031% | 6,320 |
| Assets per employee ($millions) | 3.5885% | 4,711 |
| Cash dividends to net income (ytd only)* | 69.6886% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3732% | 4,096 |
| Loan loss allowance to noncurrent loans | 169.9459% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.7879% | 5,543 |
| Noncurrent loans to loans | 0.8080% | 5,686 |
| Net loans and leases to total assets | 71.5056% | 3,154 |
| Net loans and leases to deposits | 86.7210% | 3,181 |
| Net loans and leases to core deposits | 105.9824% | 3,701 |
| Total domestic deposits to total assets | 82.4547% | 4,472 |
| Equity capital to assets | 10.0954% | 3,965 |
| Core capital (leverage) ratio | 7.7705% | 6,645 |
| Tier 1 risk-based capital ratio | 10.6498% | 6,301 |
| Total risk-based capital ratio | 11.9015% | 6,276 |
| Memoranda: | ||
| Average total assets | $154,791,000 | 3,897 |
| Average earning assets | $142,842,250 | 3,872 |
| Average equity | $15,139,750 | 4,074 |
| Average total loans | $111,454,750 | 3,708 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7958% | 454 |
| Cost of funding earning assets | 2.3106% | 2,314 |
| Net interest margin | 4.4852% | 1,202 |
| Noninterest income to average assets | 0.9418% | 1,791 |
| Noninterest expense to average assets | 3.3272% | 2,863 |
| Loan and lease loss provision to assets | 0.2245% | 4,786 |
| Net operating income to assets | 1.5641% | 737 |
| Return on assets (ROA) | 1.5641% | 794 |
| Pretax return on assets | 1.6024% | 1,195 |
| Return on Equity (ROE) | 20.6938% | 290 |
| Retained earnings to average equity (ytd only) | 0.0241% | 5,193 |
| Net charge-offs to loans | 0.0475% | 5,812 |
| Credit loss provision to net charge-offs | 585.7143% | 800 |
| Earnings coverage of net charge-offs (x) | 47.6667% | 708 |
| Efficiency ratio | 64.5538% | 5,795 |
| Assets per employee ($millions) | 3.0107% | 6,101 |
| Cash dividends to net income (ytd only)* | 99.8833% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3408% | 4,034 |
| Loan loss allowance to noncurrent loans | 80.8081% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 1.6194% | 3,785 |
| Noncurrent loans to loans | 1.6592% | 4,005 |
| Net loans and leases to total assets | 79.2678% | 1,465 |
| Net loans and leases to deposits | 88.7003% | 3,055 |
| Net loans and leases to core deposits | 108.1231% | 3,596 |
| Total domestic deposits to total assets | 89.3660% | 1,099 |
| Equity capital to assets | 7.4086% | 7,343 |
| Core capital (leverage) ratio | 7.3079% | 7,234 |
| Tier 1 risk-based capital ratio | 9.1009% | 7,637 |
| Total risk-based capital ratio | 10.3518% | 7,648 |
| Memoranda: | ||
| Average total assets | $109,582,330 | 4,893 |
| Average earning assets | $102,916,670 | 4,815 |
| Average equity | $8,282,670 | 5,924 |
| Average total loans | $88,393,670 | 4,320 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7492% | 530 |
| Cost of funding earning assets | 2.3137% | 2,640 |
| Net interest margin | 4.4355% | 1,263 |
| Noninterest income to average assets | 0.8576% | 2,045 |
| Noninterest expense to average assets | 3.2464% | 2,806 |
| Loan and lease loss provision to assets | 0.1509% | 4,994 |
| Net operating income to assets | 1.5496% | 855 |
| Return on assets (ROA) | 1.5496% | 931 |
| Pretax return on assets | 1.6305% | 1,330 |
| Return on Equity (ROE) | 20.2953% | 402 |
| Retained earnings to average equity (ytd only) | 9.1112% | 1,442 |
| Net charge-offs to loans | 0.0137% | 5,405 |
| Credit loss provision to net charge-offs | 1,366.6667% | 464 |
| Earnings coverage of net charge-offs (x) | 161.3333% | 271 |
| Efficiency ratio | 64.5681% | 5,584 |
| Assets per employee ($millions) | 2.9679% | 6,242 |
| Cash dividends to net income (ytd only)* | 55.1069% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3243% | 3,940 |
| Loan loss allowance to noncurrent loans | 63.4841% | 4,393 |
| Noncurrent assets plus other real estate owned to assets | 1.7960% | 3,225 |
| Noncurrent loans to loans | 2.0860% | 3,140 |
| Net loans and leases to total assets | 79.2936% | 1,523 |
| Net loans and leases to deposits | 88.6019% | 3,178 |
| Net loans and leases to core deposits | 109.2412% | 3,535 |
| Total domestic deposits to total assets | 89.4942% | 1,014 |
| Equity capital to assets | 7.9582% | 6,871 |
| Core capital (leverage) ratio | 7.4569% | 7,204 |
| Tier 1 risk-based capital ratio | 9.8060% | 7,138 |
| Total risk-based capital ratio | 11.0574% | 7,038 |
| Memoranda: | ||
| Average total assets | $108,675,000 | 4,936 |
| Average earning assets | $102,174,500 | 4,855 |
| Average equity | $8,297,500 | 5,955 |
| Average total loans | $87,839,500 | 4,364 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9815% | 1,183 |
| Cost of funding earning assets | 2.8106% | 2,658 |
| Net interest margin | 4.1709% | 2,434 |
| Noninterest income to average assets | 0.8758% | 2,076 |
| Noninterest expense to average assets | 3.0255% | 3,983 |
| Loan and lease loss provision to assets | 0.1334% | 5,659 |
| Net operating income to assets | 1.5530% | 919 |
| Return on assets (ROA) | 1.5785% | 836 |
| Pretax return on assets | 1.6522% | 1,256 |
| Return on Equity (ROE) | 19.9407% | 376 |
| Retained earnings to average equity (ytd only) | -1.9116% | 5,848 |
| Net charge-offs to loans | 0.0368% | 6,290 |
| Credit loss provision to net charge-offs | 454.8387% | 965 |
| Earnings coverage of net charge-offs (x) | 60.0000% | 667 |
| Efficiency ratio | 63.2338% | 5,731 |
| Assets per employee ($millions) | 3.1573% | 5,603 |
| Cash dividends to net income (ytd only)* | 109.5866% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2236% | 4,353 |
| Loan loss allowance to noncurrent loans | 64.1190% | 4,808 |
| Noncurrent assets plus other real estate owned to assets | 1.6669% | 2,915 |
| Noncurrent loans to loans | 1.9083% | 2,884 |
| Net loans and leases to total assets | 80.2876% | 1,594 |
| Net loans and leases to deposits | 102.8936% | 1,487 |
| Net loans and leases to core deposits | 133.2047% | 1,641 |
| Total domestic deposits to total assets | 78.0298% | 5,702 |
| Equity capital to assets | 7.3228% | 7,535 |
| Core capital (leverage) ratio | 7.1997% | 7,523 |
| Tier 1 risk-based capital ratio | 9.1100% | 7,707 |
| Total risk-based capital ratio | 10.3601% | 7,668 |
| Memoranda: | ||
| Average total assets | $105,735,400 | 4,884 |
| Average earning assets | $99,090,800 | 4,831 |
| Average equity | $8,369,800 | 5,956 |
| Average total loans | $84,299,800 | 4,390 |