Home > The Waggoner National Bank of Vernon > Performance and Condition Ratios
The Waggoner National Bank of Vernon, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5690% | 1,938 |
| Cost of funding earning assets | 2.0535% | 1,773 |
| Net interest margin | 3.5155% | 2,274 |
| Noninterest income to average assets | 1.0400% | 547 |
| Noninterest expense to average assets | 2.2779% | 2,901 |
| Loan and lease loss provision to assets | -0.0100% | 4,145 |
| Net operating income to assets | 1.7956% | 642 |
| Return on assets (ROA) | 1.7932% | 643 |
| Pretax return on assets | 1.7932% | 965 |
| Return on Equity (ROE) | 14.7800% | 1,117 |
| Retained earnings to average equity (ytd only) | 5.7420% | 2,350 |
| Net charge-offs to loans | -0.0047% | 3,717 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 56.0525% | 3,405 |
| Assets per employee ($millions) | 5.5209% | 3,308 |
| Cash dividends to net income (ytd only)* | 61.1486% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2408% | 134 |
| Loan loss allowance to noncurrent loans | 216.3092% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 0.7337% | 1,034 |
| Noncurrent loans to loans | 1.4982% | 650 |
| Net loans and leases to total assets | 47.3900% | 3,704 |
| Net loans and leases to deposits | 54.2580% | 3,722 |
| Net loans and leases to core deposits | 56.8241% | 3,796 |
| Total domestic deposits to total assets | 87.3300% | 1,802 |
| Equity capital to assets | 12.0229% | 1,213 |
| Core capital (leverage) ratio | 14.5134% | 680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $330,135,000 | 2,342 |
| Average earning assets | $284,002,500 | 2,457 |
| Average equity | $40,055,500 | 2,029 |
| Average total loans | $171,976,000 | 2,595 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5431% | 2,049 |
| Cost of funding earning assets | 2.0501% | 2,103 |
| Net interest margin | 3.4930% | 2,093 |
| Noninterest income to average assets | 1.0100% | 603 |
| Noninterest expense to average assets | 2.1464% | 3,268 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 2.0615% | 354 |
| Return on assets (ROA) | 2.0569% | 361 |
| Pretax return on assets | 2.0569% | 547 |
| Return on Equity (ROE) | 16.7300% | 703 |
| Retained earnings to average equity (ytd only) | 0.3109% | 3,838 |
| Net charge-offs to loans | 0.0705% | 1,427 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 51.0977% | 1,203 |
| Efficiency ratio | 51.0057% | 3,931 |
| Assets per employee ($millions) | 5.3916% | 3,365 |
| Cash dividends to net income (ytd only)* | 98.1416% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9845% | 149 |
| Loan loss allowance to noncurrent loans | 212.8685% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 0.7759% | 943 |
| Noncurrent loans to loans | 1.4020% | 705 |
| Net loans and leases to total assets | 53.6900% | 3,417 |
| Net loans and leases to deposits | 61.6530% | 3,452 |
| Net loans and leases to core deposits | 64.6759% | 3,585 |
| Total domestic deposits to total assets | 87.0800% | 1,841 |
| Equity capital to assets | 12.2478% | 1,089 |
| Core capital (leverage) ratio | 14.8061% | 625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $329,618,200 | 2,317 |
| Average earning assets | $301,890,200 | 2,335 |
| Average equity | $40,524,400 | 1,971 |
| Average total loans | $188,772,800 | 2,453 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5511% | 1,982 |
| Cost of funding earning assets | 2.0826% | 2,022 |
| Net interest margin | 3.4685% | 2,102 |
| Noninterest income to average assets | 1.0200% | 575 |
| Noninterest expense to average assets | 2.1710% | 3,156 |
| Loan and lease loss provision to assets | 0.0100% | 2,797 |
| Net operating income to assets | 2.0188% | 419 |
| Return on assets (ROA) | 2.0188% | 421 |
| Pretax return on assets | 2.0188% | 624 |
| Return on Equity (ROE) | 16.4100% | 763 |
| Retained earnings to average equity (ytd only) | 7.9736% | 1,403 |
| Net charge-offs to loans | 0.0934% | 1,026 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 37.5597% | 1,377 |
| Efficiency ratio | 51.7218% | 3,885 |
| Assets per employee ($millions) | 5.2139% | 3,506 |
| Cash dividends to net income (ytd only)* | 51.3961% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8763% | 165 |
| Loan loss allowance to noncurrent loans | 206.8138% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 0.7990% | 858 |
| Noncurrent loans to loans | 1.3908% | 706 |
| Net loans and leases to total assets | 55.8000% | 3,275 |
| Net loans and leases to deposits | 65.1614% | 3,292 |
| Net loans and leases to core deposits | 68.1872% | 3,478 |
| Total domestic deposits to total assets | 85.6300% | 2,068 |
| Equity capital to assets | 13.5621% | 823 |
| Core capital (leverage) ratio | 15.4657% | 563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $331,148,750 | 2,306 |
| Average earning assets | $303,717,500 | 2,314 |
| Average equity | $40,750,250 | 1,951 |
| Average total loans | $191,209,750 | 2,423 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5086% | 1,956 |
| Cost of funding earning assets | 2.0982% | 1,876 |
| Net interest margin | 3.4104% | 2,152 |
| Noninterest income to average assets | 0.9400% | 664 |
| Noninterest expense to average assets | 2.1745% | 3,145 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.9019% | 515 |
| Return on assets (ROA) | 1.9013% | 519 |
| Pretax return on assets | 1.9013% | 740 |
| Return on Equity (ROE) | 15.9800% | 841 |
| Retained earnings to average equity (ytd only) | 8.3182% | 1,279 |
| Net charge-offs to loans | 0.1119% | 815 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 29.3889% | 1,403 |
| Efficiency ratio | 53.3441% | 3,798 |
| Assets per employee ($millions) | 5.4211% | 3,290 |
| Cash dividends to net income (ytd only)* | 47.9357% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8800% | 167 |
| Loan loss allowance to noncurrent loans | 204.1065% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 0.8086% | 793 |
| Noncurrent loans to loans | 1.4110% | 622 |
| Net loans and leases to total assets | 55.6500% | 3,296 |
| Net loans and leases to deposits | 64.0995% | 3,360 |
| Net loans and leases to core deposits | 67.0745% | 3,501 |
| Total domestic deposits to total assets | 86.8200% | 1,714 |
| Equity capital to assets | 12.3819% | 1,040 |
| Core capital (leverage) ratio | 15.1401% | 607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $333,778,000 | 2,280 |
| Average earning assets | $306,648,333 | 2,293 |
| Average equity | $39,720,000 | 1,966 |
| Average total loans | $193,038,667 | 2,404 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4604% | 1,894 |
| Cost of funding earning assets | 2.2058% | 1,541 |
| Net interest margin | 3.2546% | 2,442 |
| Noninterest income to average assets | 0.9500% | 606 |
| Noninterest expense to average assets | 2.2163% | 3,025 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.7265% | 640 |
| Return on assets (ROA) | 1.7253% | 645 |
| Pretax return on assets | 1.7253% | 926 |
| Return on Equity (ROE) | 14.7900% | 1,021 |
| Retained earnings to average equity (ytd only) | 6.0239% | 2,101 |
| Net charge-offs to loans | 0.2037% | 438 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 14.5900% | 1,485 |
| Efficiency ratio | 56.2125% | 3,580 |
| Assets per employee ($millions) | 5.3277% | 3,407 |
| Cash dividends to net income (ytd only)* | 59.2593% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8673% | 136 |
| Loan loss allowance to noncurrent loans | 198.9637% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.8180% | 732 |
| Noncurrent loans to loans | 1.4411% | 560 |
| Net loans and leases to total assets | 55.1300% | 3,262 |
| Net loans and leases to deposits | 63.1843% | 3,341 |
| Net loans and leases to core deposits | 66.5138% | 3,498 |
| Total domestic deposits to total assets | 87.2600% | 1,682 |
| Equity capital to assets | 11.9763% | 1,127 |
| Core capital (leverage) ratio | 13.9289% | 798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $338,034,000 | 2,265 |
| Average earning assets | $310,821,500 | 2,280 |
| Average equity | $39,443,000 | 1,969 |
| Average total loans | $196,363,000 | 2,377 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4651% | 1,212 |
| Cost of funding earning assets | 1.8447% | 1,169 |
| Net interest margin | 3.6204% | 1,934 |
| Noninterest income to average assets | 1.0700% | 571 |
| Noninterest expense to average assets | 2.0170% | 3,593 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 2.3284% | 293 |
| Return on assets (ROA) | 2.3065% | 291 |
| Pretax return on assets | 2.3065% | 429 |
| Return on Equity (ROE) | 23.2600% | 390 |
| Retained earnings to average equity (ytd only) | 5.0666% | 2,587 |
| Net charge-offs to loans | 0.0217% | 1,900 |
| Credit loss provision to net charge-offs | 336.9565% | 877 |
| Earnings coverage of net charge-offs (x) | 188.1522% | 611 |
| Efficiency ratio | 45.6890% | 4,204 |
| Assets per employee ($millions) | 5.6680% | 3,101 |
| Cash dividends to net income (ytd only)* | 78.2128% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6682% | 161 |
| Loan loss allowance to noncurrent loans | 192.3428% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 0.8234% | 617 |
| Noncurrent loans to loans | 1.3872% | 503 |
| Net loans and leases to total assets | 57.7700% | 3,061 |
| Net loans and leases to deposits | 65.7423% | 3,186 |
| Net loans and leases to core deposits | 72.2210% | 3,176 |
| Total domestic deposits to total assets | 87.8800% | 1,395 |
| Equity capital to assets | 11.3741% | 1,343 |
| Core capital (leverage) ratio | 13.3303% | 959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $360,980,400 | 2,156 |
| Average earning assets | $333,169,800 | 2,163 |
| Average equity | $35,802,800 | 2,023 |
| Average total loans | $212,318,800 | 2,211 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3447% | 1,217 |
| Cost of funding earning assets | 1.7346% | 1,122 |
| Net interest margin | 3.6101% | 1,983 |
| Noninterest income to average assets | 1.0700% | 575 |
| Noninterest expense to average assets | 1.9390% | 3,737 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.4616% | 278 |
| Return on assets (ROA) | 2.4328% | 278 |
| Pretax return on assets | 2.4328% | 413 |
| Return on Equity (ROE) | 25.4100% | 377 |
| Retained earnings to average equity (ytd only) | 15.4130% | 516 |
| Net charge-offs to loans | 0.0125% | 1,948 |
| Credit loss provision to net charge-offs | -475.0000% | 4,573 |
| Earnings coverage of net charge-offs (x) | 336.7500% | 417 |
| Efficiency ratio | 44.0615% | 4,221 |
| Assets per employee ($millions) | 5.7093% | 3,010 |
| Cash dividends to net income (ytd only)* | 39.3480% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5185% | 191 |
| Loan loss allowance to noncurrent loans | 181.1034% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 0.8193% | 676 |
| Noncurrent loans to loans | 1.3907% | 546 |
| Net loans and leases to total assets | 57.4300% | 3,082 |
| Net loans and leases to deposits | 64.3310% | 3,243 |
| Net loans and leases to core deposits | 72.1511% | 3,098 |
| Total domestic deposits to total assets | 89.2700% | 1,163 |
| Equity capital to assets | 9.8786% | 1,896 |
| Core capital (leverage) ratio | 13.6769% | 882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $364,788,000 | 2,139 |
| Average earning assets | $337,045,500 | 2,146 |
| Average equity | $34,922,000 | 2,052 |
| Average total loans | $214,091,000 | 2,204 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2295% | 1,173 |
| Cost of funding earning assets | 1.5810% | 1,106 |
| Net interest margin | 3.6486% | 1,918 |
| Noninterest income to average assets | 0.7900% | 881 |
| Noninterest expense to average assets | 1.9441% | 3,728 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.2139% | 350 |
| Return on assets (ROA) | 2.1711% | 364 |
| Pretax return on assets | 2.1711% | 556 |
| Return on Equity (ROE) | 22.9100% | 491 |
| Retained earnings to average equity (ytd only) | 14.5015% | 619 |
| Net charge-offs to loans | 0.0176% | 1,561 |
| Credit loss provision to net charge-offs | -531.5789% | 4,599 |
| Earnings coverage of net charge-offs (x) | 214.6316% | 569 |
| Efficiency ratio | 46.7555% | 4,126 |
| Assets per employee ($millions) | 5.6954% | 2,980 |
| Cash dividends to net income (ytd only)* | 36.7092% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4976% | 224 |
| Loan loss allowance to noncurrent loans | 174.7253% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 0.8239% | 617 |
| Noncurrent loans to loans | 1.4295% | 483 |
| Net loans and leases to total assets | 56.1900% | 3,108 |
| Net loans and leases to deposits | 63.8802% | 3,197 |
| Net loans and leases to core deposits | 71.4721% | 3,041 |
| Total domestic deposits to total assets | 87.9700% | 1,613 |
| Equity capital to assets | 9.9477% | 1,888 |
| Core capital (leverage) ratio | 13.2085% | 967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $368,391,667 | 2,132 |
| Average earning assets | $340,297,667 | 2,141 |
| Average equity | $34,906,667 | 2,061 |
| Average total loans | $215,943,333 | 2,182 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0553% | 1,135 |
| Cost of funding earning assets | 1.3295% | 1,170 |
| Net interest margin | 3.7258% | 1,837 |
| Noninterest income to average assets | 0.8100% | 834 |
| Noninterest expense to average assets | 1.9269% | 3,801 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.3319% | 310 |
| Return on assets (ROA) | 2.2455% | 343 |
| Pretax return on assets | 2.2455% | 530 |
| Return on Equity (ROE) | 24.2900% | 443 |
| Retained earnings to average equity (ytd only) | 14.8057% | 826 |
| Net charge-offs to loans | 0.0055% | 1,766 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 719.6667% | 163 |
| Efficiency ratio | 45.2447% | 4,257 |
| Assets per employee ($millions) | 6.0588% | 2,708 |
| Cash dividends to net income (ytd only)* | 39.0572% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4386% | 235 |
| Loan loss allowance to noncurrent loans | 171.2644% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 0.8338% | 570 |
| Noncurrent loans to loans | 1.4239% | 464 |
| Net loans and leases to total assets | 57.1300% | 2,945 |
| Net loans and leases to deposits | 64.5330% | 3,044 |
| Net loans and leases to core deposits | 71.3198% | 2,864 |
| Total domestic deposits to total assets | 88.5200% | 1,728 |
| Equity capital to assets | 9.4587% | 2,173 |
| Core capital (leverage) ratio | 12.7974% | 1,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $370,335,000 | 2,155 |
| Average earning assets | $342,372,500 | 2,166 |
| Average equity | $34,230,000 | 2,107 |
| Average total loans | $218,875,500 | 2,179 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2037% | 1,235 |
| Cost of funding earning assets | 0.4406% | 1,782 |
| Net interest margin | 3.7632% | 1,237 |
| Noninterest income to average assets | 1.0000% | 644 |
| Noninterest expense to average assets | 1.9849% | 3,624 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 2.3551% | 171 |
| Return on assets (ROA) | 2.2816% | 179 |
| Pretax return on assets | 2.2816% | 274 |
| Return on Equity (ROE) | 22.6000% | 299 |
| Retained earnings to average equity (ytd only) | 6.8480% | 2,306 |
| Net charge-offs to loans | 0.0263% | 1,533 |
| Credit loss provision to net charge-offs | 980.3922% | 441 |
| Earnings coverage of net charge-offs (x) | 175.0784% | 715 |
| Efficiency ratio | 44.3086% | 4,419 |
| Assets per employee ($millions) | 5.7035% | 3,030 |
| Cash dividends to net income (ytd only)* | 69.7036% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4643% | 218 |
| Loan loss allowance to noncurrent loans | 895.9933% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.1641% | 2,392 |
| Noncurrent loans to loans | 0.2750% | 2,172 |
| Net loans and leases to total assets | 58.1900% | 2,807 |
| Net loans and leases to deposits | 65.0092% | 2,951 |
| Net loans and leases to core deposits | 68.5488% | 2,976 |
| Total domestic deposits to total assets | 89.5200% | 1,549 |
| Equity capital to assets | 9.0210% | 2,341 |
| Core capital (leverage) ratio | 12.2928% | 1,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $357,908,200 | 2,188 |
| Average earning assets | $330,491,000 | 2,195 |
| Average equity | $36,127,400 | 2,067 |
| Average total loans | $193,978,600 | 2,281 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9218% | 1,433 |
| Cost of funding earning assets | 0.2874% | 2,306 |
| Net interest margin | 3.6345% | 1,309 |
| Noninterest income to average assets | 1.0300% | 630 |
| Noninterest expense to average assets | 1.9592% | 3,595 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 2.3545% | 177 |
| Return on assets (ROA) | 2.3721% | 169 |
| Pretax return on assets | 2.3721% | 248 |
| Return on Equity (ROE) | 22.8800% | 260 |
| Retained earnings to average equity (ytd only) | 11.6551% | 873 |
| Net charge-offs to loans | 0.0085% | 1,821 |
| Credit loss provision to net charge-offs | 1,666.6667% | 284 |
| Earnings coverage of net charge-offs (x) | 540.7500% | 291 |
| Efficiency ratio | 44.6426% | 4,441 |
| Assets per employee ($millions) | 6.0991% | 2,675 |
| Cash dividends to net income (ytd only)* | 49.0530% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5910% | 215 |
| Loan loss allowance to noncurrent loans | 828.8961% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.1683% | 2,443 |
| Noncurrent loans to loans | 0.3126% | 2,129 |
| Net loans and leases to total assets | 52.4600% | 3,240 |
| Net loans and leases to deposits | 57.5822% | 3,371 |
| Net loans and leases to core deposits | 61.1647% | 3,292 |
| Total domestic deposits to total assets | 91.1000% | 1,202 |
| Equity capital to assets | 8.1826% | 2,774 |
| Core capital (leverage) ratio | 12.2768% | 1,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $356,128,750 | 2,213 |
| Average earning assets | $328,953,750 | 2,210 |
| Average equity | $36,927,000 | 2,070 |
| Average total loans | $188,025,000 | 2,327 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6678% | 1,628 |
| Cost of funding earning assets | 0.2242% | 2,596 |
| Net interest margin | 3.4436% | 1,475 |
| Noninterest income to average assets | 1.1223% | 532 |
| Noninterest expense to average assets | 1.9215% | 3,652 |
| Loan and lease loss provision to assets | 0.0142% | 2,340 |
| Net operating income to assets | 2.3726% | 127 |
| Return on assets (ROA) | 2.4231% | 122 |
| Pretax return on assets | 2.4231% | 184 |
| Return on Equity (ROE) | 21.7808% | 203 |
| Retained earnings to average equity (ytd only) | 14.3066% | 327 |
| Net charge-offs to loans | -0.0011% | 3,047 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,689 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5994% | 4,506 |
| Assets per employee ($millions) | 6.2646% | 2,506 |
| Cash dividends to net income (ytd only)* | 34.3158% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5320% | 248 |
| Loan loss allowance to noncurrent loans | 783.5182% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.1679% | 2,530 |
| Noncurrent loans to loans | 0.3232% | 2,186 |
| Net loans and leases to total assets | 50.6341% | 3,308 |
| Net loans and leases to deposits | 56.1691% | 3,362 |
| Net loans and leases to core deposits | 58.6906% | 3,375 |
| Total domestic deposits to total assets | 90.1459% | 1,651 |
| Equity capital to assets | 9.1805% | 2,251 |
| Core capital (leverage) ratio | 12.4693% | 983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $352,856,333 | 2,241 |
| Average earning assets | $326,460,333 | 2,244 |
| Average equity | $39,254,667 | 2,029 |
| Average total loans | $185,010,333 | 2,348 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5326% | 1,693 |
| Cost of funding earning assets | 0.2030% | 2,758 |
| Net interest margin | 3.3297% | 1,499 |
| Noninterest income to average assets | 1.0253% | 652 |
| Noninterest expense to average assets | 1.9757% | 3,496 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.1257% | 176 |
| Return on assets (ROA) | 2.2300% | 156 |
| Pretax return on assets | 2.2300% | 247 |
| Return on Equity (ROE) | 18.2855% | 315 |
| Retained earnings to average equity (ytd only) | 10.5985% | 872 |
| Net charge-offs to loans | 0.0200% | 1,133 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 201.5556% | 427 |
| Efficiency ratio | 48.1714% | 4,396 |
| Assets per employee ($millions) | 5.3808% | 3,414 |
| Cash dividends to net income (ytd only)* | 42.0389% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7363% | 213 |
| Loan loss allowance to noncurrent loans | 730.5060% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.1951% | 2,463 |
| Noncurrent loans to loans | 0.3746% | 2,147 |
| Net loans and leases to total assets | 50.6702% | 3,107 |
| Net loans and leases to deposits | 57.4204% | 3,135 |
| Net loans and leases to core deposits | 61.0558% | 3,058 |
| Total domestic deposits to total assets | 88.2443% | 2,415 |
| Equity capital to assets | 11.1044% | 1,287 |
| Core capital (leverage) ratio | 13.1979% | 736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $341,348,000 | 2,294 |
| Average earning assets | $315,345,500 | 2,309 |
| Average equity | $41,628,500 | 1,985 |
| Average total loans | $179,883,500 | 2,380 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4615% | 2,771 |
| Cost of funding earning assets | 0.2948% | 2,452 |
| Net interest margin | 3.1668% | 2,690 |
| Noninterest income to average assets | 1.1654% | 776 |
| Noninterest expense to average assets | 1.9342% | 3,850 |
| Loan and lease loss provision to assets | 0.0721% | 1,654 |
| Net operating income to assets | 2.0753% | 299 |
| Return on assets (ROA) | 2.3626% | 194 |
| Pretax return on assets | 2.3626% | 316 |
| Return on Equity (ROE) | 17.8592% | 479 |
| Retained earnings to average equity (ytd only) | 3.7245% | 3,330 |
| Net charge-offs to loans | 0.0115% | 2,133 |
| Credit loss provision to net charge-offs | 1,315.7895% | 433 |
| Earnings coverage of net charge-offs (x) | 391.7895% | 334 |
| Efficiency ratio | 47.3885% | 4,444 |
| Assets per employee ($millions) | 5.3703% | 3,393 |
| Cash dividends to net income (ytd only)* | 79.1453% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7267% | 202 |
| Loan loss allowance to noncurrent loans | 689.7616% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.2107% | 2,509 |
| Noncurrent loans to loans | 0.3953% | 2,174 |
| Net loans and leases to total assets | 51.8574% | 3,084 |
| Net loans and leases to deposits | 60.2746% | 3,049 |
| Net loans and leases to core deposits | 64.7551% | 2,920 |
| Total domestic deposits to total assets | 86.0351% | 2,893 |
| Equity capital to assets | 13.3057% | 821 |
| Core capital (leverage) ratio | 13.1910% | 755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $346,656,600 | 2,215 |
| Average earning assets | $319,222,600 | 2,235 |
| Average equity | $45,858,800 | 1,898 |
| Average total loans | $165,376,400 | 2,507 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4354% | 2,997 |
| Cost of funding earning assets | 0.3249% | 2,353 |
| Net interest margin | 3.1105% | 3,025 |
| Noninterest income to average assets | 1.2689% | 726 |
| Noninterest expense to average assets | 1.8508% | 4,054 |
| Loan and lease loss provision to assets | 0.0955% | 1,249 |
| Net operating income to assets | 2.1850% | 336 |
| Return on assets (ROA) | 2.5615% | 201 |
| Pretax return on assets | 2.5615% | 304 |
| Return on Equity (ROE) | 19.3906% | 473 |
| Retained earnings to average equity (ytd only) | 12.6444% | 695 |
| Net charge-offs to loans | 0.0049% | 2,155 |
| Credit loss provision to net charge-offs | 4,166.6667% | 188 |
| Earnings coverage of net charge-offs (x) | 994.1667% | 166 |
| Efficiency ratio | 44.7992% | 4,549 |
| Assets per employee ($millions) | 5.6977% | 2,996 |
| Cash dividends to net income (ytd only)* | 34.7910% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9268% | 167 |
| Loan loss allowance to noncurrent loans | 669.9728% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.2050% | 2,759 |
| Noncurrent loans to loans | 0.4369% | 2,245 |
| Net loans and leases to total assets | 45.5614% | 3,824 |
| Net loans and leases to deposits | 52.9433% | 3,813 |
| Net loans and leases to core deposits | 56.4958% | 3,735 |
| Total domestic deposits to total assets | 86.0569% | 2,723 |
| Equity capital to assets | 13.3040% | 901 |
| Core capital (leverage) ratio | 13.4604% | 741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $348,738,750 | 2,225 |
| Average earning assets | $320,927,000 | 2,250 |
| Average equity | $46,069,250 | 1,909 |
| Average total loans | $161,629,000 | 2,566 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4752% | 2,959 |
| Cost of funding earning assets | 0.3480% | 2,332 |
| Net interest margin | 3.1272% | 2,963 |
| Noninterest income to average assets | 1.4641% | 566 |
| Noninterest expense to average assets | 1.8764% | 4,021 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.4608% | 231 |
| Return on assets (ROA) | 2.7515% | 162 |
| Pretax return on assets | 2.7515% | 244 |
| Return on Equity (ROE) | 20.8802% | 388 |
| Retained earnings to average equity (ytd only) | 14.5911% | 483 |
| Net charge-offs to loans | -0.0038% | 3,344 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2635% | 4,651 |
| Assets per employee ($millions) | 5.5592% | 3,052 |
| Cash dividends to net income (ytd only)* | 30.1200% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8551% | 178 |
| Loan loss allowance to noncurrent loans | 539.7008% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.2481% | 2,689 |
| Noncurrent loans to loans | 0.5290% | 2,082 |
| Net loans and leases to total assets | 45.5636% | 3,933 |
| Net loans and leases to deposits | 52.9701% | 3,935 |
| Net loans and leases to core deposits | 55.6221% | 3,917 |
| Total domestic deposits to total assets | 86.0176% | 2,734 |
| Equity capital to assets | 13.3236% | 864 |
| Core capital (leverage) ratio | 12.9862% | 804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $345,334,000 | 2,229 |
| Average earning assets | $317,276,333 | 2,250 |
| Average equity | $45,507,333 | 1,912 |
| Average total loans | $159,347,000 | 2,602 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4812% | 2,979 |
| Cost of funding earning assets | 0.3680% | 2,369 |
| Net interest margin | 3.1132% | 2,945 |
| Noninterest income to average assets | 1.5329% | 582 |
| Noninterest expense to average assets | 1.8875% | 4,011 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.4976% | 268 |
| Return on assets (ROA) | 2.4976% | 294 |
| Pretax return on assets | 2.4976% | 441 |
| Return on Equity (ROE) | 19.0610% | 618 |
| Retained earnings to average equity (ytd only) | 13.4433% | 827 |
| Net charge-offs to loans | 0.0280% | 1,210 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 194.6364% | 405 |
| Efficiency ratio | 43.0434% | 4,630 |
| Assets per employee ($millions) | 5.5967% | 3,025 |
| Cash dividends to net income (ytd only)* | 29.4722% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9733% | 152 |
| Loan loss allowance to noncurrent loans | 517.2566% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.3341% | 2,463 |
| Noncurrent loans to loans | 0.5748% | 2,132 |
| Net loans and leases to total assets | 43.2765% | 4,158 |
| Net loans and leases to deposits | 49.8339% | 4,166 |
| Net loans and leases to core deposits | 53.6545% | 4,110 |
| Total domestic deposits to total assets | 86.8414% | 2,374 |
| Equity capital to assets | 12.5105% | 1,077 |
| Core capital (leverage) ratio | 12.9752% | 848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $342,887,500 | 2,223 |
| Average earning assets | $314,143,000 | 2,252 |
| Average equity | $44,929,500 | 1,923 |
| Average total loans | $156,887,500 | 2,627 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1018% | 2,417 |
| Cost of funding earning assets | 0.6006% | 2,301 |
| Net interest margin | 3.5012% | 2,476 |
| Noninterest income to average assets | 0.9822% | 1,079 |
| Noninterest expense to average assets | 2.0834% | 3,969 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 2.0814% | 228 |
| Return on assets (ROA) | 2.1398% | 217 |
| Pretax return on assets | 2.1398% | 338 |
| Return on Equity (ROE) | 15.7893% | 530 |
| Retained earnings to average equity (ytd only) | 5.2137% | 2,182 |
| Net charge-offs to loans | 0.4084% | 420 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 9.6899% | 2,505 |
| Efficiency ratio | 50.0230% | 4,530 |
| Assets per employee ($millions) | 5.2060% | 3,145 |
| Cash dividends to net income (ytd only)* | 66.9794% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9947% | 146 |
| Loan loss allowance to noncurrent loans | 450.2402% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.4583% | 2,198 |
| Noncurrent loans to loans | 0.6651% | 2,021 |
| Net loans and leases to total assets | 45.5673% | 4,152 |
| Net loans and leases to deposits | 53.2619% | 4,148 |
| Net loans and leases to core deposits | 58.5787% | 4,020 |
| Total domestic deposits to total assets | 85.5533% | 2,546 |
| Equity capital to assets | 13.7306% | 865 |
| Core capital (leverage) ratio | 12.9811% | 899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $313,771,800 | 2,223 |
| Average earning assets | $285,216,400 | 2,260 |
| Average equity | $42,522,400 | 1,922 |
| Average total loans | $165,017,600 | 2,526 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1886% | 2,426 |
| Cost of funding earning assets | 0.6658% | 2,223 |
| Net interest margin | 3.5228% | 2,510 |
| Noninterest income to average assets | 1.0225% | 990 |
| Noninterest expense to average assets | 2.1571% | 3,789 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 2.0626% | 260 |
| Return on assets (ROA) | 2.1416% | 243 |
| Pretax return on assets | 2.1416% | 387 |
| Return on Equity (ROE) | 15.8592% | 561 |
| Retained earnings to average equity (ytd only) | 8.2652% | 1,219 |
| Net charge-offs to loans | 0.2170% | 707 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 17.5699% | 2,005 |
| Efficiency ratio | 51.1200% | 4,410 |
| Assets per employee ($millions) | 5.1216% | 3,093 |
| Cash dividends to net income (ytd only)* | 47.8839% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0636% | 126 |
| Loan loss allowance to noncurrent loans | 343.8514% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.5998% | 1,932 |
| Noncurrent loans to loans | 0.8910% | 1,678 |
| Net loans and leases to total assets | 49.1243% | 4,144 |
| Net loans and leases to deposits | 57.3432% | 4,195 |
| Net loans and leases to core deposits | 63.6410% | 4,027 |
| Total domestic deposits to total assets | 85.6671% | 2,190 |
| Equity capital to assets | 13.5336% | 990 |
| Core capital (leverage) ratio | 13.3550% | 862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $308,918,750 | 2,225 |
| Average earning assets | $280,373,750 | 2,272 |
| Average equity | $41,716,000 | 1,940 |
| Average total loans | $167,144,500 | 2,513 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3763% | 2,264 |
| Cost of funding earning assets | 0.7537% | 2,095 |
| Net interest margin | 3.6225% | 2,409 |
| Noninterest income to average assets | 1.0686% | 875 |
| Noninterest expense to average assets | 2.2119% | 3,744 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.1313% | 246 |
| Return on assets (ROA) | 2.2523% | 226 |
| Pretax return on assets | 2.2523% | 332 |
| Return on Equity (ROE) | 16.6918% | 477 |
| Retained earnings to average equity (ytd only) | 9.7026% | 845 |
| Net charge-offs to loans | 0.3499% | 459 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 11.0068% | 2,118 |
| Efficiency ratio | 50.9282% | 4,447 |
| Assets per employee ($millions) | 5.1365% | 3,017 |
| Cash dividends to net income (ytd only)* | 41.8721% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1364% | 122 |
| Loan loss allowance to noncurrent loans | 368.3140% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.5816% | 2,065 |
| Noncurrent loans to loans | 0.8515% | 1,787 |
| Net loans and leases to total assets | 48.3688% | 4,240 |
| Net loans and leases to deposits | 56.6426% | 4,273 |
| Net loans and leases to core deposits | 60.7411% | 4,226 |
| Total domestic deposits to total assets | 85.3929% | 2,241 |
| Equity capital to assets | 13.8045% | 898 |
| Core capital (leverage) ratio | 13.6575% | 837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $302,630,000 | 2,239 |
| Average earning assets | $273,566,333 | 2,290 |
| Average equity | $40,834,333 | 1,963 |
| Average total loans | $167,489,000 | 2,495 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8073% | 1,398 |
| Cost of funding earning assets | 0.9296% | 1,742 |
| Net interest margin | 3.8777% | 1,739 |
| Noninterest income to average assets | 0.9707% | 911 |
| Noninterest expense to average assets | 2.2372% | 3,917 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.2345% | 171 |
| Return on assets (ROA) | 2.4851% | 117 |
| Pretax return on assets | 2.4851% | 170 |
| Return on Equity (ROE) | 18.6556% | 226 |
| Retained earnings to average equity (ytd only) | 12.1904% | 402 |
| Net charge-offs to loans | 0.0375% | 1,668 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 102.0000% | 570 |
| Efficiency ratio | 50.0306% | 4,663 |
| Assets per employee ($millions) | 4.6613% | 3,050 |
| Cash dividends to net income (ytd only)* | 34.6556% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1760% | 126 |
| Loan loss allowance to noncurrent loans | 267.6515% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.9782% | 1,357 |
| Noncurrent loans to loans | 1.1866% | 1,383 |
| Net loans and leases to total assets | 56.3842% | 3,810 |
| Net loans and leases to deposits | 65.3949% | 3,903 |
| Net loans and leases to core deposits | 70.7941% | 3,830 |
| Total domestic deposits to total assets | 86.2212% | 1,909 |
| Equity capital to assets | 12.8989% | 1,488 |
| Core capital (leverage) ratio | 14.1742% | 867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8940% | 759 |
| Memoranda: | ||
| Average total assets | $292,146,500 | 2,253 |
| Average earning assets | $263,768,000 | 2,298 |
| Average equity | $38,916,000 | 2,028 |
| Average total loans | $170,439,500 | 2,448 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3577% | 733 |
| Cost of funding earning assets | 1.0720% | 1,428 |
| Net interest margin | 4.2857% | 1,123 |
| Noninterest income to average assets | 0.9940% | 983 |
| Noninterest expense to average assets | 2.2172% | 4,131 |
| Loan and lease loss provision to assets | 0.0512% | 2,998 |
| Net operating income to assets | 2.5984% | 119 |
| Return on assets (ROA) | 2.7210% | 107 |
| Pretax return on assets | 2.7210% | 141 |
| Return on Equity (ROE) | 20.2617% | 203 |
| Retained earnings to average equity (ytd only) | 3.0319% | 3,515 |
| Net charge-offs to loans | 0.0732% | 2,048 |
| Credit loss provision to net charge-offs | 112.7820% | 2,227 |
| Earnings coverage of net charge-offs (x) | 58.3233% | 998 |
| Efficiency ratio | 45.5573% | 4,928 |
| Assets per employee ($millions) | 4.7628% | 2,878 |
| Cash dividends to net income (ytd only)* | 85.0364% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1063% | 114 |
| Loan loss allowance to noncurrent loans | 271.4430% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 1.1077% | 1,099 |
| Noncurrent loans to loans | 1.1444% | 1,317 |
| Net loans and leases to total assets | 56.6294% | 3,875 |
| Net loans and leases to deposits | 66.3019% | 3,939 |
| Net loans and leases to core deposits | 73.9452% | 3,726 |
| Total domestic deposits to total assets | 85.4114% | 2,343 |
| Equity capital to assets | 13.7335% | 1,195 |
| Core capital (leverage) ratio | 13.8525% | 966 |
| Tier 1 risk-based capital ratio | 18.8244% | 1,565 |
| Total risk-based capital ratio | 20.0898% | 1,526 |
| Memoranda: | ||
| Average total assets | $292,757,800 | 2,204 |
| Average earning assets | $264,555,800 | 2,249 |
| Average equity | $39,315,600 | 1,969 |
| Average total loans | $181,733,600 | 2,300 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4559% | 637 |
| Cost of funding earning assets | 1.0873% | 1,398 |
| Net interest margin | 4.3686% | 1,015 |
| Noninterest income to average assets | 0.9945% | 946 |
| Noninterest expense to average assets | 2.2013% | 4,179 |
| Loan and lease loss provision to assets | 0.0685% | 2,507 |
| Net operating income to assets | 2.6764% | 125 |
| Return on assets (ROA) | 2.8334% | 105 |
| Pretax return on assets | 2.8334% | 142 |
| Return on Equity (ROE) | 21.2201% | 191 |
| Retained earnings to average equity (ytd only) | 7.2431% | 1,741 |
| Net charge-offs to loans | -0.0355% | 4,752 |
| Credit loss provision to net charge-offs | -306.1224% | 4,241 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5049% | 4,991 |
| Assets per employee ($millions) | 4.6246% | 3,010 |
| Cash dividends to net income (ytd only)* | 65.8666% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2619% | 106 |
| Loan loss allowance to noncurrent loans | 407.2741% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.9267% | 1,457 |
| Noncurrent loans to loans | 0.8009% | 1,971 |
| Net loans and leases to total assets | 57.3340% | 3,940 |
| Net loans and leases to deposits | 67.4976% | 3,955 |
| Net loans and leases to core deposits | 75.4312% | 3,733 |
| Total domestic deposits to total assets | 84.9424% | 2,443 |
| Equity capital to assets | 14.1522% | 1,093 |
| Core capital (leverage) ratio | 14.4917% | 860 |
| Tier 1 risk-based capital ratio | 19.8395% | 1,392 |
| Total risk-based capital ratio | 21.1069% | 1,354 |
| Memoranda: | ||
| Average total assets | $292,124,250 | 2,225 |
| Average earning assets | $264,245,500 | 2,263 |
| Average equity | $39,006,000 | 1,988 |
| Average total loans | $184,021,250 | 2,301 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4987% | 570 |
| Cost of funding earning assets | 1.0847% | 1,358 |
| Net interest margin | 4.4140% | 917 |
| Noninterest income to average assets | 0.9669% | 930 |
| Noninterest expense to average assets | 2.1910% | 4,241 |
| Loan and lease loss provision to assets | 0.1021% | 1,832 |
| Net operating income to assets | 2.6721% | 125 |
| Return on assets (ROA) | 2.7653% | 115 |
| Pretax return on assets | 2.7653% | 163 |
| Return on Equity (ROE) | 21.1216% | 198 |
| Retained earnings to average equity (ytd only) | 4.5424% | 3,002 |
| Net charge-offs to loans | -0.1304% | 5,055 |
| Credit loss provision to net charge-offs | -121.9512% | 3,929 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1277% | 5,061 |
| Assets per employee ($millions) | 4.7953% | 2,746 |
| Cash dividends to net income (ytd only)* | 78.4941% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1620% | 113 |
| Loan loss allowance to noncurrent loans | 252.7903% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.7827% | 1,780 |
| Noncurrent loans to loans | 1.2509% | 1,270 |
| Net loans and leases to total assets | 59.7890% | 3,754 |
| Net loans and leases to deposits | 70.1375% | 3,831 |
| Net loans and leases to core deposits | 75.6946% | 3,758 |
| Total domestic deposits to total assets | 85.2455% | 2,364 |
| Equity capital to assets | 13.8668% | 1,175 |
| Core capital (leverage) ratio | 13.7270% | 1,046 |
| Tier 1 risk-based capital ratio | 18.5257% | 1,662 |
| Total risk-based capital ratio | 19.7924% | 1,621 |
| Memoranda: | ||
| Average total assets | $293,924,000 | 2,214 |
| Average earning assets | $266,243,330 | 2,256 |
| Average equity | $38,482,000 | 2,001 |
| Average total loans | $188,717,000 | 2,270 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4064% | 624 |
| Cost of funding earning assets | 1.0566% | 1,350 |
| Net interest margin | 4.3498% | 1,007 |
| Noninterest income to average assets | 0.9238% | 984 |
| Noninterest expense to average assets | 2.1466% | 4,379 |
| Loan and lease loss provision to assets | 0.1010% | 1,742 |
| Net operating income to assets | 2.6179% | 135 |
| Return on assets (ROA) | 2.6624% | 139 |
| Pretax return on assets | 2.6624% | 194 |
| Return on Equity (ROE) | 20.9348% | 212 |
| Retained earnings to average equity (ytd only) | 12.4952% | 537 |
| Net charge-offs to loans | -0.2986% | 5,217 |
| Credit loss provision to net charge-offs | -51.7241% | 3,493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1185% | 5,097 |
| Assets per employee ($millions) | 4.8350% | 2,738 |
| Cash dividends to net income (ytd only)* | 40.3136% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9228% | 142 |
| Loan loss allowance to noncurrent loans | 190.4827% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 0.9744% | 1,439 |
| Noncurrent loans to loans | 1.5344% | 1,047 |
| Net loans and leases to total assets | 61.6480% | 3,537 |
| Net loans and leases to deposits | 71.5640% | 3,636 |
| Net loans and leases to core deposits | 79.8417% | 3,387 |
| Total domestic deposits to total assets | 86.1438% | 2,209 |
| Equity capital to assets | 13.0275% | 1,436 |
| Core capital (leverage) ratio | 13.5646% | 1,072 |
| Tier 1 risk-based capital ratio | 17.7689% | 1,865 |
| Total risk-based capital ratio | 19.0335% | 1,817 |
| Memoranda: | ||
| Average total assets | $297,028,500 | 2,215 |
| Average earning assets | $269,163,500 | 2,246 |
| Average equity | $37,774,500 | 2,026 |
| Average total loans | $194,256,000 | 2,253 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3651% | 514 |
| Cost of funding earning assets | 0.7773% | 1,647 |
| Net interest margin | 4.5878% | 621 |
| Noninterest income to average assets | 1.0558% | 846 |
| Noninterest expense to average assets | 2.2538% | 4,218 |
| Loan and lease loss provision to assets | 0.1562% | 1,336 |
| Net operating income to assets | 2.8084% | 101 |
| Return on assets (ROA) | 2.8550% | 93 |
| Pretax return on assets | 2.8550% | 113 |
| Return on Equity (ROE) | 22.2198% | 149 |
| Retained earnings to average equity (ytd only) | 2.3905% | 4,186 |
| Net charge-offs to loans | 0.1763% | 1,093 |
| Credit loss provision to net charge-offs | 133.1361% | 1,996 |
| Earnings coverage of net charge-offs (x) | 25.2722% | 1,779 |
| Efficiency ratio | 43.1897% | 5,205 |
| Assets per employee ($millions) | 4.8243% | 2,706 |
| Cash dividends to net income (ytd only)* | 89.2414% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6970% | 185 |
| Loan loss allowance to noncurrent loans | 532.8016% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.3408% | 3,186 |
| Noncurrent loans to loans | 0.5062% | 2,754 |
| Net loans and leases to total assets | 65.5149% | 3,200 |
| Net loans and leases to deposits | 77.6355% | 3,211 |
| Net loans and leases to core deposits | 86.3412% | 2,888 |
| Total domestic deposits to total assets | 84.3879% | 2,873 |
| Equity capital to assets | 12.4016% | 1,633 |
| Core capital (leverage) ratio | 13.2784% | 1,148 |
| Tier 1 risk-based capital ratio | 16.7173% | 2,162 |
| Total risk-based capital ratio | 17.9801% | 2,104 |
| Memoranda: | ||
| Average total assets | $288,130,600 | 2,218 |
| Average earning assets | $261,431,400 | 2,259 |
| Average equity | $37,021,000 | 1,986 |
| Average total loans | $191,675,000 | 2,236 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2523% | 564 |
| Cost of funding earning assets | 0.6999% | 1,846 |
| Net interest margin | 4.5524% | 667 |
| Noninterest income to average assets | 1.0295% | 902 |
| Noninterest expense to average assets | 2.2456% | 4,224 |
| Loan and lease loss provision to assets | 0.1396% | 1,432 |
| Net operating income to assets | 2.7807% | 104 |
| Return on assets (ROA) | 2.8421% | 97 |
| Pretax return on assets | 2.8421% | 136 |
| Return on Equity (ROE) | 21.9237% | 170 |
| Retained earnings to average equity (ytd only) | 7.5974% | 1,850 |
| Net charge-offs to loans | 0.2175% | 783 |
| Credit loss provision to net charge-offs | 96.7742% | 2,338 |
| Earnings coverage of net charge-offs (x) | 20.2485% | 1,963 |
| Efficiency ratio | 43.4708% | 5,233 |
| Assets per employee ($millions) | 4.8083% | 2,709 |
| Cash dividends to net income (ytd only)* | 65.3462% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6774% | 194 |
| Loan loss allowance to noncurrent loans | 504.0541% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.3591% | 3,238 |
| Noncurrent loans to loans | 0.5312% | 2,788 |
| Net loans and leases to total assets | 65.7942% | 3,203 |
| Net loans and leases to deposits | 79.2875% | 3,114 |
| Net loans and leases to core deposits | 88.3148% | 2,819 |
| Total domestic deposits to total assets | 82.9819% | 3,313 |
| Equity capital to assets | 13.0330% | 1,319 |
| Core capital (leverage) ratio | 14.1378% | 900 |
| Tier 1 risk-based capital ratio | 17.5170% | 1,922 |
| Total risk-based capital ratio | 18.7793% | 1,879 |
| Memoranda: | ||
| Average total assets | $286,592,250 | 2,242 |
| Average earning assets | $260,399,500 | 2,270 |
| Average equity | $37,152,250 | 1,979 |
| Average total loans | $190,057,750 | 2,256 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1821% | 570 |
| Cost of funding earning assets | 0.6491% | 1,928 |
| Net interest margin | 4.5330% | 645 |
| Noninterest income to average assets | 1.0197% | 924 |
| Noninterest expense to average assets | 2.2444% | 4,272 |
| Loan and lease loss provision to assets | 0.1049% | 1,856 |
| Net operating income to assets | 2.7878% | 100 |
| Return on assets (ROA) | 2.8802% | 91 |
| Pretax return on assets | 2.8802% | 132 |
| Return on Equity (ROE) | 22.2577% | 152 |
| Retained earnings to average equity (ytd only) | 4.9888% | 3,081 |
| Net charge-offs to loans | 0.3068% | 520 |
| Credit loss provision to net charge-offs | 51.9031% | 2,481 |
| Earnings coverage of net charge-offs (x) | 14.3114% | 2,107 |
| Efficiency ratio | 43.6896% | 5,292 |
| Assets per employee ($millions) | 4.6012% | 2,970 |
| Cash dividends to net income (ytd only)* | 77.5862% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6887% | 202 |
| Loan loss allowance to noncurrent loans | 447.5395% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.3989% | 3,143 |
| Noncurrent loans to loans | 0.6008% | 2,615 |
| Net loans and leases to total assets | 64.6146% | 3,329 |
| Net loans and leases to deposits | 74.9209% | 3,445 |
| Net loans and leases to core deposits | 84.0866% | 3,073 |
| Total domestic deposits to total assets | 86.2437% | 2,170 |
| Equity capital to assets | 12.9052% | 1,346 |
| Core capital (leverage) ratio | 13.6557% | 1,010 |
| Tier 1 risk-based capital ratio | 17.6218% | 1,910 |
| Total risk-based capital ratio | 18.8845% | 1,862 |
| Memoranda: | ||
| Average total assets | $285,957,000 | 2,251 |
| Average earning assets | $259,740,670 | 2,281 |
| Average equity | $37,003,000 | 1,986 |
| Average total loans | $188,398,000 | 2,277 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0700% | 613 |
| Cost of funding earning assets | 0.6337% | 1,820 |
| Net interest margin | 4.4362% | 709 |
| Noninterest income to average assets | 1.0311% | 856 |
| Noninterest expense to average assets | 2.2424% | 4,322 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.8180% | 88 |
| Return on assets (ROA) | 2.9689% | 85 |
| Pretax return on assets | 2.9689% | 117 |
| Return on Equity (ROE) | 22.9129% | 132 |
| Retained earnings to average equity (ytd only) | 14.2977% | 387 |
| Net charge-offs to loans | 0.0043% | 2,585 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 1,008.5000% | 57 |
| Efficiency ratio | 44.3125% | 5,337 |
| Assets per employee ($millions) | 4.6353% | 2,952 |
| Cash dividends to net income (ytd only)* | 37.6000% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8153% | 188 |
| Loan loss allowance to noncurrent loans | 555.7917% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.3382% | 3,490 |
| Noncurrent loans to loans | 0.5065% | 2,998 |
| Net loans and leases to total assets | 62.8203% | 3,442 |
| Net loans and leases to deposits | 72.8195% | 3,528 |
| Net loans and leases to core deposits | 80.9992% | 3,240 |
| Total domestic deposits to total assets | 86.2685% | 2,413 |
| Equity capital to assets | 12.9106% | 1,291 |
| Core capital (leverage) ratio | 13.6387% | 965 |
| Tier 1 risk-based capital ratio | 17.9695% | 1,846 |
| Total risk-based capital ratio | 19.2332% | 1,789 |
| Memoranda: | ||
| Average total assets | $286,299,000 | 2,270 |
| Average earning assets | $260,041,000 | 2,294 |
| Average equity | $37,097,000 | 1,993 |
| Average total loans | $187,886,500 | 2,298 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8553% | 881 |
| Cost of funding earning assets | 0.4703% | 2,603 |
| Net interest margin | 4.3851% | 797 |
| Noninterest income to average assets | 1.0829% | 868 |
| Noninterest expense to average assets | 2.2969% | 4,338 |
| Loan and lease loss provision to assets | 0.1764% | 1,230 |
| Net operating income to assets | 2.5893% | 109 |
| Return on assets (ROA) | 2.7026% | 94 |
| Pretax return on assets | 2.7026% | 132 |
| Return on Equity (ROE) | 21.1631% | 160 |
| Retained earnings to average equity (ytd only) | 4.4469% | 2,485 |
| Net charge-offs to loans | 0.0857% | 2,236 |
| Credit loss provision to net charge-offs | 320.5128% | 896 |
| Earnings coverage of net charge-offs (x) | 50.2628% | 1,080 |
| Efficiency ratio | 45.3703% | 5,411 |
| Assets per employee ($millions) | 4.6001% | 3,029 |
| Cash dividends to net income (ytd only)* | 78.9872% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7536% | 186 |
| Loan loss allowance to noncurrent loans | 541.6149% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.3496% | 3,468 |
| Noncurrent loans to loans | 0.5084% | 2,994 |
| Net loans and leases to total assets | 64.7849% | 3,259 |
| Net loans and leases to deposits | 77.7044% | 3,149 |
| Net loans and leases to core deposits | 83.2583% | 3,130 |
| Total domestic deposits to total assets | 83.3735% | 3,435 |
| Equity capital to assets | 13.0046% | 1,266 |
| Core capital (leverage) ratio | 13.2382% | 1,062 |
| Tier 1 risk-based capital ratio | 16.9577% | 2,112 |
| Total risk-based capital ratio | 18.2210% | 2,050 |
| Memoranda: | ||
| Average total assets | $283,507,600 | 2,267 |
| Average earning assets | $257,305,200 | 2,299 |
| Average equity | $36,204,600 | 2,010 |
| Average total loans | $181,991,200 | 2,307 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7536% | 1,016 |
| Cost of funding earning assets | 0.4371% | 2,840 |
| Net interest margin | 4.3165% | 885 |
| Noninterest income to average assets | 1.1049% | 834 |
| Noninterest expense to average assets | 2.3178% | 4,252 |
| Loan and lease loss provision to assets | 0.1648% | 1,228 |
| Net operating income to assets | 2.5387% | 130 |
| Return on assets (ROA) | 2.6898% | 106 |
| Pretax return on assets | 2.6898% | 154 |
| Return on Equity (ROE) | 21.1612% | 167 |
| Retained earnings to average equity (ytd only) | 5.3950% | 2,606 |
| Net charge-offs to loans | 0.1030% | 1,757 |
| Credit loss provision to net charge-offs | 251.7986% | 1,127 |
| Earnings coverage of net charge-offs (x) | 41.2947% | 1,270 |
| Efficiency ratio | 46.1589% | 5,416 |
| Assets per employee ($millions) | 4.6551% | 2,899 |
| Cash dividends to net income (ytd only)* | 74.5053% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6516% | 225 |
| Loan loss allowance to noncurrent loans | 479.2293% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.3687% | 3,556 |
| Noncurrent loans to loans | 0.5533% | 3,036 |
| Net loans and leases to total assets | 64.8624% | 3,271 |
| Net loans and leases to deposits | 76.6759% | 3,304 |
| Net loans and leases to core deposits | 86.0019% | 2,966 |
| Total domestic deposits to total assets | 84.5929% | 2,887 |
| Equity capital to assets | 12.8230% | 1,482 |
| Core capital (leverage) ratio | 13.3399% | 1,083 |
| Tier 1 risk-based capital ratio | 16.6440% | 2,268 |
| Total risk-based capital ratio | 17.9058% | 2,219 |
| Memoranda: | ||
| Average total assets | $283,082,750 | 2,284 |
| Average earning assets | $256,839,000 | 2,315 |
| Average equity | $35,983,250 | 2,033 |
| Average total loans | $179,988,250 | 2,336 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6518% | 1,155 |
| Cost of funding earning assets | 0.3895% | 3,185 |
| Net interest margin | 4.2622% | 949 |
| Noninterest income to average assets | 1.0824% | 850 |
| Noninterest expense to average assets | 2.3212% | 4,288 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.6205% | 112 |
| Return on assets (ROA) | 2.8104% | 93 |
| Pretax return on assets | 2.8104% | 139 |
| Return on Equity (ROE) | 22.1765% | 129 |
| Retained earnings to average equity (ytd only) | 7.2668% | 1,467 |
| Net charge-offs to loans | 0.1569% | 1,224 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 26.7029% | 1,564 |
| Efficiency ratio | 46.9708% | 5,436 |
| Assets per employee ($millions) | 4.6866% | 2,812 |
| Cash dividends to net income (ytd only)* | 67.2318% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5577% | 266 |
| Loan loss allowance to noncurrent loans | 465.2302% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.3514% | 3,713 |
| Noncurrent loans to loans | 0.5498% | 3,097 |
| Net loans and leases to total assets | 62.2798% | 3,597 |
| Net loans and leases to deposits | 75.6785% | 3,378 |
| Net loans and leases to core deposits | 81.4081% | 3,304 |
| Total domestic deposits to total assets | 82.2952% | 3,809 |
| Equity capital to assets | 12.7697% | 1,486 |
| Core capital (leverage) ratio | 13.6016% | 967 |
| Tier 1 risk-based capital ratio | 16.5843% | 2,286 |
| Total risk-based capital ratio | 17.8443% | 2,233 |
| Memoranda: | ||
| Average total assets | $281,239,000 | 2,305 |
| Average earning assets | $254,656,670 | 2,340 |
| Average equity | $35,641,330 | 2,045 |
| Average total loans | $175,884,000 | 2,383 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6700% | 992 |
| Cost of funding earning assets | 0.3755% | 3,247 |
| Net interest margin | 4.2945% | 797 |
| Noninterest income to average assets | 1.1527% | 758 |
| Noninterest expense to average assets | 2.3083% | 4,386 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.7147% | 104 |
| Return on assets (ROA) | 3.0025% | 98 |
| Pretax return on assets | 3.0025% | 137 |
| Return on Equity (ROE) | 23.7872% | 107 |
| Retained earnings to average equity (ytd only) | 17.7373% | 146 |
| Net charge-offs to loans | 0.0398% | 2,022 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 110.4118% | 494 |
| Efficiency ratio | 45.9545% | 5,533 |
| Assets per employee ($millions) | 4.5330% | 3,112 |
| Cash dividends to net income (ytd only)* | 25.4335% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8615% | 207 |
| Loan loss allowance to noncurrent loans | 463.9048% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 0.3850% | 3,668 |
| Noncurrent loans to loans | 0.6168% | 2,972 |
| Net loans and leases to total assets | 58.8349% | 3,903 |
| Net loans and leases to deposits | 67.9960% | 3,986 |
| Net loans and leases to core deposits | 72.8330% | 3,927 |
| Total domestic deposits to total assets | 86.5270% | 2,429 |
| Equity capital to assets | 12.6742% | 1,424 |
| Core capital (leverage) ratio | 13.6759% | 920 |
| Tier 1 risk-based capital ratio | 17.7685% | 1,951 |
| Total risk-based capital ratio | 19.0313% | 1,896 |
| Memoranda: | ||
| Average total assets | $276,573,000 | 2,353 |
| Average earning assets | $249,251,000 | 2,402 |
| Average equity | $34,909,500 | 2,086 |
| Average total loans | $170,967,500 | 2,450 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5719% | 1,356 |
| Cost of funding earning assets | 0.3466% | 3,553 |
| Net interest margin | 4.2253% | 1,063 |
| Noninterest income to average assets | 1.4263% | 571 |
| Noninterest expense to average assets | 2.3738% | 4,359 |
| Loan and lease loss provision to assets | 0.1809% | 1,318 |
| Net operating income to assets | 2.6872% | 109 |
| Return on assets (ROA) | 2.9050% | 86 |
| Pretax return on assets | 2.9050% | 120 |
| Return on Equity (ROE) | 21.7119% | 156 |
| Retained earnings to average equity (ytd only) | 1.0654% | 4,887 |
| Net charge-offs to loans | 0.0798% | 2,546 |
| Credit loss provision to net charge-offs | 375.9398% | 832 |
| Earnings coverage of net charge-offs (x) | 59.6015% | 896 |
| Efficiency ratio | 45.2858% | 5,661 |
| Assets per employee ($millions) | 4.3887% | 3,295 |
| Cash dividends to net income (ytd only)* | 95.0928% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8466% | 210 |
| Loan loss allowance to noncurrent loans | 4,107.5630% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0831% | 5,008 |
| Noncurrent loans to loans | 0.0693% | 4,962 |
| Net loans and leases to total assets | 61.3094% | 3,686 |
| Net loans and leases to deposits | 70.7943% | 3,829 |
| Net loans and leases to core deposits | 75.6503% | 3,777 |
| Total domestic deposits to total assets | 86.6021% | 2,329 |
| Equity capital to assets | 12.5684% | 1,478 |
| Core capital (leverage) ratio | 13.4008% | 1,002 |
| Tier 1 risk-based capital ratio | 16.8963% | 2,189 |
| Total risk-based capital ratio | 18.1586% | 2,135 |
| Memoranda: | ||
| Average total assets | $276,388,800 | 2,308 |
| Average earning assets | $249,590,800 | 2,359 |
| Average equity | $36,979,800 | 1,976 |
| Average total loans | $166,567,200 | 2,447 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5056% | 1,521 |
| Cost of funding earning assets | 0.3429% | 3,626 |
| Net interest margin | 4.1627% | 1,218 |
| Noninterest income to average assets | 1.5185% | 530 |
| Noninterest expense to average assets | 2.3316% | 4,454 |
| Loan and lease loss provision to assets | 0.1922% | 1,124 |
| Net operating income to assets | 2.7578% | 111 |
| Return on assets (ROA) | 3.0240% | 90 |
| Pretax return on assets | 3.0240% | 124 |
| Return on Equity (ROE) | 22.2706% | 155 |
| Retained earnings to average equity (ytd only) | 4.7210% | 2,995 |
| Net charge-offs to loans | 0.1097% | 1,847 |
| Credit loss provision to net charge-offs | 294.1176% | 1,054 |
| Earnings coverage of net charge-offs (x) | 45.1394% | 1,148 |
| Efficiency ratio | 44.1452% | 5,740 |
| Assets per employee ($millions) | 4.4122% | 3,224 |
| Cash dividends to net income (ytd only)* | 78.8018% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8036% | 237 |
| Loan loss allowance to noncurrent loans | 5,629.4118% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.2084% | 4,599 |
| Noncurrent loans to loans | 0.0498% | 5,159 |
| Net loans and leases to total assets | 60.6415% | 3,795 |
| Net loans and leases to deposits | 70.8952% | 3,897 |
| Net loans and leases to core deposits | 76.0617% | 3,827 |
| Total domestic deposits to total assets | 85.5368% | 2,588 |
| Equity capital to assets | 13.6158% | 1,193 |
| Core capital (leverage) ratio | 13.7750% | 920 |
| Tier 1 risk-based capital ratio | 17.6943% | 2,010 |
| Total risk-based capital ratio | 18.9567% | 1,962 |
| Memoranda: | ||
| Average total assets | $277,460,500 | 2,308 |
| Average earning assets | $250,821,750 | 2,366 |
| Average equity | $37,675,000 | 1,953 |
| Average total loans | $165,281,000 | 2,467 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4818% | 1,574 |
| Cost of funding earning assets | 0.3455% | 3,614 |
| Net interest margin | 4.1362% | 1,274 |
| Noninterest income to average assets | 1.6803% | 442 |
| Noninterest expense to average assets | 2.3389% | 4,502 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 3.0772% | 87 |
| Return on assets (ROA) | 3.4201% | 72 |
| Pretax return on assets | 3.4201% | 95 |
| Return on Equity (ROE) | 25.2104% | 86 |
| Retained earnings to average equity (ytd only) | 7.1977% | 1,505 |
| Net charge-offs to loans | 0.1285% | 1,563 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 40.8476% | 1,143 |
| Efficiency ratio | 43.1845% | 5,834 |
| Assets per employee ($millions) | 4.5211% | 2,984 |
| Cash dividends to net income (ytd only)* | 71.4495% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6399% | 300 |
| Loan loss allowance to noncurrent loans | 705.4313% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.2734% | 4,400 |
| Noncurrent loans to loans | 0.3742% | 4,019 |
| Net loans and leases to total assets | 59.0533% | 4,006 |
| Net loans and leases to deposits | 69.5425% | 4,026 |
| Net loans and leases to core deposits | 73.0907% | 4,073 |
| Total domestic deposits to total assets | 84.9168% | 2,917 |
| Equity capital to assets | 14.2645% | 942 |
| Core capital (leverage) ratio | 13.6099% | 947 |
| Tier 1 risk-based capital ratio | 18.0327% | 1,923 |
| Total risk-based capital ratio | 19.2934% | 1,887 |
| Memoranda: | ||
| Average total assets | $278,761,670 | 2,309 |
| Average earning assets | $251,774,670 | 2,369 |
| Average equity | $37,817,670 | 1,949 |
| Average total loans | $163,483,330 | 2,489 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4452% | 1,669 |
| Cost of funding earning assets | 0.3463% | 3,639 |
| Net interest margin | 4.0989% | 1,351 |
| Noninterest income to average assets | 1.1104% | 885 |
| Noninterest expense to average assets | 2.3822% | 4,420 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.4279% | 174 |
| Return on assets (ROA) | 2.8461% | 110 |
| Pretax return on assets | 2.8461% | 147 |
| Return on Equity (ROE) | 21.5239% | 178 |
| Retained earnings to average equity (ytd only) | 11.7874% | 533 |
| Net charge-offs to loans | 0.0520% | 2,007 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 81.0000% | 632 |
| Efficiency ratio | 49.5252% | 5,651 |
| Assets per employee ($millions) | 4.6263% | 2,853 |
| Cash dividends to net income (ytd only)* | 45.2357% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7721% | 282 |
| Loan loss allowance to noncurrent loans | 1,046.5116% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.5624% | 3,382 |
| Noncurrent loans to loans | 0.2649% | 4,488 |
| Net loans and leases to total assets | 55.9274% | 4,264 |
| Net loans and leases to deposits | 65.1715% | 4,323 |
| Net loans and leases to core deposits | 68.3000% | 4,372 |
| Total domestic deposits to total assets | 85.8157% | 2,760 |
| Equity capital to assets | 13.4182% | 1,213 |
| Core capital (leverage) ratio | 13.4029% | 1,019 |
| Tier 1 risk-based capital ratio | 18.1141% | 1,955 |
| Total risk-based capital ratio | 19.3756% | 1,916 |
| Memoranda: | ||
| Average total assets | $280,247,500 | 2,313 |
| Average earning assets | $252,946,000 | 2,365 |
| Average equity | $37,056,500 | 1,983 |
| Average total loans | $161,585,500 | 2,509 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3958% | 1,914 |
| Cost of funding earning assets | 0.3485% | 3,715 |
| Net interest margin | 4.0474% | 1,570 |
| Noninterest income to average assets | 1.1075% | 958 |
| Noninterest expense to average assets | 2.3065% | 4,767 |
| Loan and lease loss provision to assets | 0.1084% | 2,185 |
| Net operating income to assets | 2.3347% | 194 |
| Return on assets (ROA) | 2.5077% | 153 |
| Pretax return on assets | 2.5077% | 202 |
| Return on Equity (ROE) | 18.8113% | 324 |
| Retained earnings to average equity (ytd only) | 1.4199% | 4,918 |
| Net charge-offs to loans | 0.1139% | 2,236 |
| Credit loss provision to net charge-offs | 168.5393% | 1,601 |
| Earnings coverage of net charge-offs (x) | 37.9944% | 1,221 |
| Efficiency ratio | 48.5625% | 5,820 |
| Assets per employee ($millions) | 4.5621% | 2,939 |
| Cash dividends to net income (ytd only)* | 92.4517% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8109% | 276 |
| Loan loss allowance to noncurrent loans | 1,025.1701% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.5742% | 3,375 |
| Noncurrent loans to loans | 0.2742% | 4,474 |
| Net loans and leases to total assets | 56.1717% | 4,286 |
| Net loans and leases to deposits | 68.5913% | 4,069 |
| Net loans and leases to core deposits | 71.7195% | 4,158 |
| Total domestic deposits to total assets | 81.8932% | 4,191 |
| Equity capital to assets | 13.0246% | 1,337 |
| Core capital (leverage) ratio | 13.2198% | 1,071 |
| Tier 1 risk-based capital ratio | 17.6653% | 2,067 |
| Total risk-based capital ratio | 18.9271% | 2,015 |
| Memoranda: | ||
| Average total assets | $276,829,000 | 2,295 |
| Average earning assets | $249,100,400 | 2,344 |
| Average equity | $36,903,400 | 1,934 |
| Average total loans | $156,325,000 | 2,511 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3796% | 1,984 |
| Cost of funding earning assets | 0.3500% | 3,753 |
| Net interest margin | 4.0296% | 1,609 |
| Noninterest income to average assets | 1.0523% | 1,080 |
| Noninterest expense to average assets | 2.2324% | 4,962 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.4451% | 174 |
| Return on assets (ROA) | 2.6525% | 137 |
| Pretax return on assets | 2.6525% | 191 |
| Return on Equity (ROE) | 19.7831% | 287 |
| Retained earnings to average equity (ytd only) | 5.6760% | 2,470 |
| Net charge-offs to loans | 0.0773% | 2,454 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 56.3319% | 958 |
| Efficiency ratio | 47.7266% | 5,881 |
| Assets per employee ($millions) | 4.5257% | 2,963 |
| Cash dividends to net income (ytd only)* | 71.3091% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8203% | 293 |
| Loan loss allowance to noncurrent loans | 5,191.5663% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.5093% | 3,789 |
| Noncurrent loans to loans | 0.0543% | 5,402 |
| Net loans and leases to total assets | 54.6788% | 4,493 |
| Net loans and leases to deposits | 64.4519% | 4,519 |
| Net loans and leases to core deposits | 68.3963% | 4,511 |
| Total domestic deposits to total assets | 84.8366% | 3,083 |
| Equity capital to assets | 13.6483% | 1,158 |
| Core capital (leverage) ratio | 13.5498% | 999 |
| Tier 1 risk-based capital ratio | 19.4437% | 1,676 |
| Total risk-based capital ratio | 20.7058% | 1,643 |
| Memoranda: | ||
| Average total assets | $276,464,250 | 2,313 |
| Average earning assets | $248,722,250 | 2,370 |
| Average equity | $37,067,750 | 1,940 |
| Average total loans | $155,196,250 | 2,543 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3844% | 1,904 |
| Cost of funding earning assets | 0.3508% | 3,801 |
| Net interest margin | 4.0337% | 1,542 |
| Noninterest income to average assets | 1.0435% | 1,089 |
| Noninterest expense to average assets | 2.2524% | 4,969 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.4135% | 191 |
| Return on assets (ROA) | 2.6745% | 140 |
| Pretax return on assets | 2.6745% | 196 |
| Return on Equity (ROE) | 20.0647% | 260 |
| Retained earnings to average equity (ytd only) | 3.2371% | 3,990 |
| Net charge-offs to loans | 0.0564% | 2,600 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 76.2727% | 731 |
| Efficiency ratio | 48.2737% | 5,948 |
| Assets per employee ($millions) | 4.5724% | 2,870 |
| Cash dividends to net income (ytd only)* | 83.8666% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7964% | 336 |
| Loan loss allowance to noncurrent loans | 858.9744% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.6403% | 3,500 |
| Noncurrent loans to loans | 0.3256% | 4,531 |
| Net loans and leases to total assets | 54.2746% | 4,526 |
| Net loans and leases to deposits | 62.9986% | 4,617 |
| Net loans and leases to core deposits | 65.9614% | 4,658 |
| Total domestic deposits to total assets | 86.1521% | 2,606 |
| Equity capital to assets | 13.1133% | 1,342 |
| Core capital (leverage) ratio | 13.1879% | 1,097 |
| Tier 1 risk-based capital ratio | 18.3524% | 1,967 |
| Total risk-based capital ratio | 19.6138% | 1,927 |
| Memoranda: | ||
| Average total assets | $278,105,000 | 2,320 |
| Average earning assets | $249,748,670 | 2,369 |
| Average equity | $37,070,000 | 1,947 |
| Average total loans | $156,000,000 | 2,541 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4001% | 1,773 |
| Cost of funding earning assets | 0.3475% | 3,891 |
| Net interest margin | 4.0527% | 1,408 |
| Noninterest income to average assets | 1.0659% | 992 |
| Noninterest expense to average assets | 2.2614% | 4,968 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.4501% | 168 |
| Return on assets (ROA) | 2.8045% | 105 |
| Pretax return on assets | 2.8045% | 161 |
| Return on Equity (ROE) | 20.8696% | 235 |
| Retained earnings to average equity (ytd only) | 12.2623% | 536 |
| Net charge-offs to loans | 0.0897% | 1,821 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 48.6000% | 855 |
| Efficiency ratio | 47.9976% | 6,018 |
| Assets per employee ($millions) | 4.6297% | 2,860 |
| Cash dividends to net income (ytd only)* | 41.2429% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7553% | 381 |
| Loan loss allowance to noncurrent loans | 7,273.3333% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.5131% | 3,969 |
| Noncurrent loans to loans | 0.0379% | 5,635 |
| Net loans and leases to total assets | 54.5374% | 4,367 |
| Net loans and leases to deposits | 63.5861% | 4,412 |
| Net loans and leases to core deposits | 66.6882% | 4,456 |
| Total domestic deposits to total assets | 85.7693% | 3,058 |
| Equity capital to assets | 13.5286% | 1,163 |
| Core capital (leverage) ratio | 13.2995% | 1,051 |
| Tier 1 risk-based capital ratio | 18.7503% | 1,926 |
| Total risk-based capital ratio | 20.0120% | 1,889 |
| Memoranda: | ||
| Average total assets | $277,700,000 | 2,330 |
| Average earning assets | $249,811,000 | 2,384 |
| Average equity | $37,317,500 | 1,951 |
| Average total loans | $156,132,500 | 2,537 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4827% | 1,943 |
| Cost of funding earning assets | 0.3863% | 3,838 |
| Net interest margin | 4.0964% | 1,589 |
| Noninterest income to average assets | 0.9722% | 1,281 |
| Noninterest expense to average assets | 2.2888% | 5,141 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 2.3440% | 182 |
| Return on assets (ROA) | 2.5277% | 138 |
| Pretax return on assets | 2.5277% | 177 |
| Return on Equity (ROE) | 19.4530% | 282 |
| Retained earnings to average equity (ytd only) | 1.8472% | 4,880 |
| Net charge-offs to loans | 0.0580% | 3,678 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 73.7471% | 682 |
| Efficiency ratio | 49.4046% | 6,121 |
| Assets per employee ($millions) | 4.4752% | 3,076 |
| Cash dividends to net income (ytd only)* | 90.5044% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8587% | 351 |
| Loan loss allowance to noncurrent loans | 3,358.0153% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.5616% | 3,925 |
| Noncurrent loans to loans | 0.0851% | 5,543 |
| Net loans and leases to total assets | 54.7577% | 4,483 |
| Net loans and leases to deposits | 63.7685% | 4,550 |
| Net loans and leases to core deposits | 65.1044% | 4,742 |
| Total domestic deposits to total assets | 85.8694% | 2,909 |
| Equity capital to assets | 13.3444% | 1,214 |
| Core capital (leverage) ratio | 13.2418% | 1,043 |
| Tier 1 risk-based capital ratio | 18.8053% | 1,906 |
| Total risk-based capital ratio | 20.0681% | 1,864 |
| Memoranda: | ||
| Average total assets | $273,722,800 | 2,329 |
| Average earning assets | $244,604,600 | 2,386 |
| Average equity | $35,567,800 | 1,969 |
| Average total loans | $149,926,400 | 2,567 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4938% | 1,893 |
| Cost of funding earning assets | 0.3956% | 3,837 |
| Net interest margin | 4.0982% | 1,579 |
| Noninterest income to average assets | 1.0909% | 1,023 |
| Noninterest expense to average assets | 2.2873% | 5,140 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.4592% | 156 |
| Return on assets (ROA) | 2.6383% | 122 |
| Pretax return on assets | 2.6383% | 175 |
| Return on Equity (ROE) | 20.4412% | 256 |
| Retained earnings to average equity (ytd only) | 11.3294% | 475 |
| Net charge-offs to loans | 0.0528% | 3,461 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 85.6322% | 660 |
| Efficiency ratio | 48.1899% | 6,193 |
| Assets per employee ($millions) | 4.4594% | 3,039 |
| Cash dividends to net income (ytd only)* | 44.5756% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9607% | 375 |
| Loan loss allowance to noncurrent loans | 1,366.3580% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.6933% | 3,739 |
| Noncurrent loans to loans | 0.2167% | 5,252 |
| Net loans and leases to total assets | 53.3403% | 4,656 |
| Net loans and leases to deposits | 63.9039% | 4,548 |
| Net loans and leases to core deposits | 66.3270% | 4,677 |
| Total domestic deposits to total assets | 83.4695% | 3,963 |
| Equity capital to assets | 14.0601% | 979 |
| Core capital (leverage) ratio | 13.9191% | 868 |
| Tier 1 risk-based capital ratio | 20.5077% | 1,550 |
| Total risk-based capital ratio | 21.7713% | 1,515 |
| Memoranda: | ||
| Average total assets | $273,906,000 | 2,347 |
| Average earning assets | $244,330,500 | 2,407 |
| Average equity | $35,352,500 | 1,988 |
| Average total loans | $148,937,500 | 2,593 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4847% | 1,883 |
| Cost of funding earning assets | 0.4088% | 3,786 |
| Net interest margin | 4.0759% | 1,588 |
| Noninterest income to average assets | 1.0352% | 1,109 |
| Noninterest expense to average assets | 2.2744% | 5,217 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.3851% | 170 |
| Return on assets (ROA) | 2.5418% | 135 |
| Pretax return on assets | 2.5418% | 193 |
| Return on Equity (ROE) | 20.2922% | 277 |
| Retained earnings to average equity (ytd only) | 10.9167% | 547 |
| Net charge-offs to loans | 0.0511% | 3,243 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 86.1579% | 619 |
| Efficiency ratio | 48.8118% | 6,239 |
| Assets per employee ($millions) | 4.6467% | 2,701 |
| Cash dividends to net income (ytd only)* | 46.2024% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9551% | 401 |
| Loan loss allowance to noncurrent loans | 1,381.3665% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.6718% | 3,978 |
| Noncurrent loans to loans | 0.2139% | 5,371 |
| Net loans and leases to total assets | 52.3924% | 4,704 |
| Net loans and leases to deposits | 60.5364% | 4,822 |
| Net loans and leases to core deposits | 62.4137% | 4,938 |
| Total domestic deposits to total assets | 86.5470% | 2,734 |
| Equity capital to assets | 12.7019% | 1,540 |
| Core capital (leverage) ratio | 13.1770% | 1,096 |
| Tier 1 risk-based capital ratio | 19.4565% | 1,808 |
| Total risk-based capital ratio | 20.7201% | 1,777 |
| Memoranda: | ||
| Average total assets | $274,533,000 | 2,337 |
| Average earning assets | $244,118,670 | 2,403 |
| Average equity | $34,387,670 | 2,023 |
| Average total loans | $148,741,330 | 2,593 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5151% | 1,765 |
| Cost of funding earning assets | 0.4286% | 3,660 |
| Net interest margin | 4.0865% | 1,500 |
| Noninterest income to average assets | 1.0646% | 986 |
| Noninterest expense to average assets | 2.3377% | 5,101 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.3392% | 190 |
| Return on assets (ROA) | 2.4508% | 166 |
| Pretax return on assets | 2.4508% | 243 |
| Return on Equity (ROE) | 19.7077% | 313 |
| Retained earnings to average equity (ytd only) | 10.1904% | 917 |
| Net charge-offs to loans | 0.0785% | 2,366 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 54.9310% | 703 |
| Efficiency ratio | 49.9843% | 6,256 |
| Assets per employee ($millions) | 4.6934% | 2,668 |
| Cash dividends to net income (ytd only)* | 48.2924% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0252% | 421 |
| Loan loss allowance to noncurrent loans | 1,880.5907% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.6420% | 4,213 |
| Noncurrent loans to loans | 0.1609% | 5,601 |
| Net loans and leases to total assets | 50.7358% | 4,823 |
| Net loans and leases to deposits | 58.3690% | 4,901 |
| Net loans and leases to core deposits | 60.5262% | 4,990 |
| Total domestic deposits to total assets | 86.9224% | 2,861 |
| Equity capital to assets | 12.3674% | 1,649 |
| Core capital (leverage) ratio | 12.8939% | 1,208 |
| Tier 1 risk-based capital ratio | 19.5392% | 1,824 |
| Total risk-based capital ratio | 20.8037% | 1,794 |
| Memoranda: | ||
| Average total assets | $272,399,500 | 2,359 |
| Average earning assets | $240,793,500 | 2,433 |
| Average equity | $33,875,000 | 2,040 |
| Average total loans | $147,853,000 | 2,618 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7461% | 1,459 |
| Cost of funding earning assets | 0.4421% | 4,193 |
| Net interest margin | 4.3039% | 1,100 |
| Noninterest income to average assets | 1.0134% | 1,367 |
| Noninterest expense to average assets | 2.3841% | 5,115 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 2.4773% | 174 |
| Return on assets (ROA) | 2.6329% | 152 |
| Pretax return on assets | 2.6329% | 173 |
| Return on Equity (ROE) | 19.9152% | 279 |
| Retained earnings to average equity (ytd only) | 5.9076% | 2,032 |
| Net charge-offs to loans | 0.0295% | 4,837 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 146.8409% | 314 |
| Efficiency ratio | 49.0417% | 6,439 |
| Assets per employee ($millions) | 4.3866% | 3,110 |
| Cash dividends to net income (ytd only)* | 70.3364% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0234% | 456 |
| Loan loss allowance to noncurrent loans | 1,613.6691% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.6961% | 4,165 |
| Noncurrent loans to loans | 0.1874% | 5,635 |
| Net loans and leases to total assets | 54.6701% | 4,506 |
| Net loans and leases to deposits | 63.5586% | 4,552 |
| Net loans and leases to core deposits | 66.2832% | 4,673 |
| Total domestic deposits to total assets | 86.0153% | 3,248 |
| Equity capital to assets | 12.5090% | 1,505 |
| Core capital (leverage) ratio | 13.1539% | 1,081 |
| Tier 1 risk-based capital ratio | 19.9123% | 1,676 |
| Total risk-based capital ratio | 21.1783% | 1,643 |
| Memoranda: | ||
| Average total assets | $260,810,800 | 2,430 |
| Average earning assets | $233,183,000 | 2,486 |
| Average equity | $34,481,200 | 1,994 |
| Average total loans | $149,255,000 | 2,569 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7491% | 1,480 |
| Cost of funding earning assets | 0.4457% | 4,328 |
| Net interest margin | 4.3034% | 1,087 |
| Noninterest income to average assets | 1.0053% | 1,437 |
| Noninterest expense to average assets | 2.3483% | 5,189 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 2.4963% | 173 |
| Return on assets (ROA) | 2.6921% | 146 |
| Pretax return on assets | 2.6921% | 186 |
| Return on Equity (ROE) | 20.0889% | 292 |
| Retained earnings to average equity (ytd only) | 16.9651% | 134 |
| Net charge-offs to loans | 0.0045% | 5,102 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 973.8891% | 46 |
| Efficiency ratio | 48.4717% | 6,479 |
| Assets per employee ($millions) | 4.4196% | 3,016 |
| Cash dividends to net income (ytd only)* | 15.5501% | 3,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0552% | 515 |
| Loan loss allowance to noncurrent loans | 640.9348% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.8523% | 3,985 |
| Noncurrent loans to loans | 0.4767% | 5,004 |
| Net loans and leases to total assets | 54.1457% | 4,590 |
| Net loans and leases to deposits | 63.2046% | 4,604 |
| Net loans and leases to core deposits | 66.5132% | 4,668 |
| Total domestic deposits to total assets | 85.6673% | 3,419 |
| Equity capital to assets | 13.5932% | 1,081 |
| Core capital (leverage) ratio | 14.2708% | 797 |
| Tier 1 risk-based capital ratio | 21.1782% | 1,461 |
| Total risk-based capital ratio | 22.4439% | 1,426 |
| Memoranda: | ||
| Average total assets | $260,214,750 | 2,453 |
| Average earning assets | $232,151,250 | 2,510 |
| Average equity | $34,870,750 | 1,996 |
| Average total loans | $149,475,000 | 2,571 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7675% | 1,402 |
| Cost of funding earning assets | 0.4490% | 4,441 |
| Net interest margin | 4.3185% | 996 |
| Noninterest income to average assets | 1.0094% | 1,507 |
| Noninterest expense to average assets | 2.3561% | 5,188 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.5070% | 174 |
| Return on assets (ROA) | 2.7839% | 137 |
| Pretax return on assets | 2.7839% | 183 |
| Return on Equity (ROE) | 20.8765% | 257 |
| Retained earnings to average equity (ytd only) | 17.6861% | 132 |
| Net charge-offs to loans | 0.0280% | 4,302 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 154.3333% | 319 |
| Efficiency ratio | 48.4492% | 6,513 |
| Assets per employee ($millions) | 4.3312% | 3,125 |
| Cash dividends to net income (ytd only)* | 15.2820% | 3,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9997% | 583 |
| Loan loss allowance to noncurrent loans | 912.7530% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.2355% | 5,780 |
| Noncurrent loans to loans | 0.3286% | 5,473 |
| Net loans and leases to total assets | 56.1067% | 4,268 |
| Net loans and leases to deposits | 64.8714% | 4,390 |
| Net loans and leases to core deposits | 68.0578% | 4,491 |
| Total domestic deposits to total assets | 86.4891% | 3,119 |
| Equity capital to assets | 12.8344% | 1,407 |
| Core capital (leverage) ratio | 14.1151% | 793 |
| Tier 1 risk-based capital ratio | 20.2911% | 1,655 |
| Total risk-based capital ratio | 21.5569% | 1,627 |
| Memoranda: | ||
| Average total assets | $258,560,670 | 2,471 |
| Average earning assets | $230,728,670 | 2,530 |
| Average equity | $34,479,000 | 2,016 |
| Average total loans | $149,931,000 | 2,573 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7262% | 1,462 |
| Cost of funding earning assets | 0.4489% | 4,604 |
| Net interest margin | 4.2773% | 1,011 |
| Noninterest income to average assets | 1.0453% | 1,353 |
| Noninterest expense to average assets | 2.3373% | 5,315 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.5653% | 146 |
| Return on assets (ROA) | 2.9949% | 112 |
| Pretax return on assets | 2.9949% | 156 |
| Return on Equity (ROE) | 22.0421% | 196 |
| Retained earnings to average equity (ytd only) | 15.7639% | 299 |
| Net charge-offs to loans | 0.0588% | 3,234 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 75.1818% | 491 |
| Efficiency ratio | 47.6748% | 6,623 |
| Assets per employee ($millions) | 4.2837% | 3,372 |
| Cash dividends to net income (ytd only)* | 28.4827% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9904% | 665 |
| Loan loss allowance to noncurrent loans | 2,651.7647% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.1086% | 6,253 |
| Noncurrent loans to loans | 0.1128% | 6,139 |
| Net loans and leases to total assets | 56.8988% | 3,942 |
| Net loans and leases to deposits | 66.5455% | 3,979 |
| Net loans and leases to core deposits | 70.4949% | 4,014 |
| Total domestic deposits to total assets | 85.5036% | 3,795 |
| Equity capital to assets | 13.8614% | 1,072 |
| Core capital (leverage) ratio | 13.5806% | 916 |
| Tier 1 risk-based capital ratio | 19.4871% | 1,910 |
| Total risk-based capital ratio | 20.7530% | 1,876 |
| Memoranda: | ||
| Average total assets | $257,905,500 | 2,514 |
| Average earning assets | $232,576,000 | 2,549 |
| Average equity | $35,042,000 | 2,013 |
| Average total loans | $149,739,500 | 2,585 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9079% | 1,817 |
| Cost of funding earning assets | 0.5323% | 4,980 |
| Net interest margin | 4.3755% | 1,213 |
| Noninterest income to average assets | 1.1057% | 1,268 |
| Noninterest expense to average assets | 2.3077% | 5,675 |
| Loan and lease loss provision to assets | 0.0396% | 5,375 |
| Net operating income to assets | 2.6843% | 125 |
| Return on assets (ROA) | 2.7821% | 123 |
| Pretax return on assets | 2.7821% | 178 |
| Return on Equity (ROE) | 20.0991% | 300 |
| Retained earnings to average equity (ytd only) | 3.0842% | 4,061 |
| Net charge-offs to loans | -0.0489% | 6,703 |
| Credit loss provision to net charge-offs | -138.8889% | 6,357 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8638% | 6,785 |
| Assets per employee ($millions) | 4.3131% | 3,323 |
| Cash dividends to net income (ytd only)* | 84.6548% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0458% | 636 |
| Loan loss allowance to noncurrent loans | 2,831.2500% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.0904% | 6,365 |
| Noncurrent loans to loans | 0.1076% | 6,215 |
| Net loans and leases to total assets | 55.7205% | 4,341 |
| Net loans and leases to deposits | 65.9019% | 4,303 |
| Net loans and leases to core deposits | 69.2863% | 4,398 |
| Total domestic deposits to total assets | 84.5507% | 4,065 |
| Equity capital to assets | 13.3148% | 1,304 |
| Core capital (leverage) ratio | 13.0421% | 1,105 |
| Tier 1 risk-based capital ratio | 19.0089% | 1,955 |
| Total risk-based capital ratio | 20.2755% | 1,919 |
| Memoranda: | ||
| Average total assets | $252,505,600 | 2,507 |
| Average earning assets | $226,555,400 | 2,545 |
| Average equity | $34,951,800 | 1,981 |
| Average total loans | $147,260,000 | 2,616 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9224% | 1,931 |
| Cost of funding earning assets | 0.5523% | 5,066 |
| Net interest margin | 4.3701% | 1,284 |
| Noninterest income to average assets | 1.0765% | 1,300 |
| Noninterest expense to average assets | 2.2778% | 5,748 |
| Loan and lease loss provision to assets | 0.0531% | 5,086 |
| Net operating income to assets | 2.6678% | 140 |
| Return on assets (ROA) | 2.7868% | 133 |
| Pretax return on assets | 2.7868% | 195 |
| Return on Equity (ROE) | 19.9374% | 330 |
| Retained earnings to average equity (ytd only) | 10.5978% | 764 |
| Net charge-offs to loans | -0.1407% | 6,927 |
| Credit loss provision to net charge-offs | -64.5161% | 6,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5676% | 6,838 |
| Assets per employee ($millions) | 4.5019% | 2,912 |
| Cash dividends to net income (ytd only)* | 46.8446% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1128% | 650 |
| Loan loss allowance to noncurrent loans | 1,988.3621% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.1267% | 6,401 |
| Noncurrent loans to loans | 0.1566% | 6,217 |
| Net loans and leases to total assets | 55.9534% | 4,462 |
| Net loans and leases to deposits | 65.5852% | 4,523 |
| Net loans and leases to core deposits | 71.7665% | 4,283 |
| Total domestic deposits to total assets | 85.3142% | 3,611 |
| Equity capital to assets | 14.0740% | 1,130 |
| Core capital (leverage) ratio | 13.9671% | 843 |
| Tier 1 risk-based capital ratio | 20.1244% | 1,722 |
| Total risk-based capital ratio | 21.3916% | 1,693 |
| Memoranda: | ||
| Average total assets | $250,935,000 | 2,545 |
| Average earning assets | $225,221,750 | 2,586 |
| Average equity | $35,075,500 | 1,990 |
| Average total loans | $146,893,000 | 2,649 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9744% | 1,856 |
| Cost of funding earning assets | 0.5798% | 5,077 |
| Net interest margin | 4.3946% | 1,213 |
| Noninterest income to average assets | 1.0319% | 1,374 |
| Noninterest expense to average assets | 2.2735% | 5,811 |
| Loan and lease loss provision to assets | 0.0803% | 4,595 |
| Net operating income to assets | 2.6100% | 148 |
| Return on assets (ROA) | 2.7345% | 139 |
| Pretax return on assets | 2.7345% | 210 |
| Return on Equity (ROE) | 19.6090% | 378 |
| Retained earnings to average equity (ytd only) | 10.2105% | 916 |
| Net charge-offs to loans | -0.2622% | 7,050 |
| Credit loss provision to net charge-offs | -52.0833% | 6,005 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8017% | 6,891 |
| Assets per employee ($millions) | 4.4900% | 2,918 |
| Cash dividends to net income (ytd only)* | 47.9295% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2063% | 637 |
| Loan loss allowance to noncurrent loans | 2,943.0380% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.0895% | 6,579 |
| Noncurrent loans to loans | 0.1089% | 6,394 |
| Net loans and leases to total assets | 54.8492% | 4,653 |
| Net loans and leases to deposits | 64.1488% | 4,750 |
| Net loans and leases to core deposits | 71.9027% | 4,308 |
| Total domestic deposits to total assets | 85.5030% | 3,607 |
| Equity capital to assets | 13.9203% | 1,133 |
| Core capital (leverage) ratio | 13.6260% | 929 |
| Tier 1 risk-based capital ratio | 20.1757% | 1,671 |
| Total risk-based capital ratio | 21.4443% | 1,630 |
| Memoranda: | ||
| Average total assets | $249,044,000 | 2,558 |
| Average earning assets | $222,819,670 | 2,609 |
| Average equity | $34,729,000 | 1,986 |
| Average total loans | $146,459,330 | 2,664 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0188% | 1,830 |
| Cost of funding earning assets | 0.6121% | 5,039 |
| Net interest margin | 4.4067% | 1,214 |
| Noninterest income to average assets | 1.0635% | 1,274 |
| Noninterest expense to average assets | 2.2883% | 5,797 |
| Loan and lease loss provision to assets | 0.1629% | 3,355 |
| Net operating income to assets | 2.6107% | 153 |
| Return on assets (ROA) | 2.7931% | 150 |
| Pretax return on assets | 2.7931% | 231 |
| Return on Equity (ROE) | 20.0114% | 389 |
| Retained earnings to average equity (ytd only) | 10.5949% | 1,142 |
| Net charge-offs to loans | 0.0435% | 4,081 |
| Credit loss provision to net charge-offs | 625.0000% | 547 |
| Earnings coverage of net charge-offs (x) | 106.4375% | 327 |
| Efficiency ratio | 45.2059% | 6,939 |
| Assets per employee ($millions) | 4.1166% | 3,760 |
| Cash dividends to net income (ytd only)* | 47.0554% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0405% | 802 |
| Loan loss allowance to noncurrent loans | 435.0637% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.4701% | 5,682 |
| Noncurrent loans to loans | 0.6989% | 5,264 |
| Net loans and leases to total assets | 57.3496% | 4,154 |
| Net loans and leases to deposits | 68.7788% | 3,913 |
| Net loans and leases to core deposits | 76.0039% | 3,621 |
| Total domestic deposits to total assets | 83.3826% | 4,769 |
| Equity capital to assets | 14.0424% | 1,013 |
| Core capital (leverage) ratio | 13.2657% | 1,036 |
| Tier 1 risk-based capital ratio | 19.8309% | 1,751 |
| Total risk-based capital ratio | 21.0985% | 1,720 |
| Memoranda: | ||
| Average total assets | $245,601,500 | 2,606 |
| Average earning assets | $222,843,500 | 2,624 |
| Average equity | $34,280,500 | 2,016 |
| Average total loans | $147,176,500 | 2,675 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2211% | 1,981 |
| Cost of funding earning assets | 0.8018% | 4,854 |
| Net interest margin | 4.4193% | 1,347 |
| Noninterest income to average assets | 1.1252% | 1,042 |
| Noninterest expense to average assets | 2.3695% | 5,850 |
| Loan and lease loss provision to assets | 0.7529% | 1,339 |
| Net operating income to assets | 1.9701% | 328 |
| Return on assets (ROA) | 2.0981% | 280 |
| Pretax return on assets | 2.0981% | 442 |
| Return on Equity (ROE) | 15.4963% | 676 |
| Retained earnings to average equity (ytd only) | 2.8175% | 4,238 |
| Net charge-offs to loans | 1.2704% | 1,306 |
| Credit loss provision to net charge-offs | 95.8977% | 3,763 |
| Earnings coverage of net charge-offs (x) | 3.4683% | 3,508 |
| Efficiency ratio | 46.5298% | 7,021 |
| Assets per employee ($millions) | 4.0702% | 3,709 |
| Cash dividends to net income (ytd only)* | 81.8182% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9394% | 864 |
| Loan loss allowance to noncurrent loans | 360.1653% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.5143% | 5,678 |
| Noncurrent loans to loans | 0.8161% | 5,056 |
| Net loans and leases to total assets | 58.9262% | 4,208 |
| Net loans and leases to deposits | 68.8722% | 4,300 |
| Net loans and leases to core deposits | 79.7578% | 3,477 |
| Total domestic deposits to total assets | 85.5587% | 3,564 |
| Equity capital to assets | 13.8721% | 1,116 |
| Core capital (leverage) ratio | 12.8332% | 1,206 |
| Tier 1 risk-based capital ratio | 19.2002% | 1,842 |
| Total risk-based capital ratio | 20.4669% | 1,800 |
| Memoranda: | ||
| Average total assets | $239,076,000 | 2,645 |
| Average earning assets | $214,628,800 | 2,671 |
| Average equity | $32,369,000 | 2,059 |
| Average total loans | $147,750,000 | 2,676 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2429% | 2,056 |
| Cost of funding earning assets | 0.8429% | 4,824 |
| Net interest margin | 4.4000% | 1,408 |
| Noninterest income to average assets | 1.1225% | 1,046 |
| Noninterest expense to average assets | 2.4132% | 5,729 |
| Loan and lease loss provision to assets | 0.6504% | 1,511 |
| Net operating income to assets | 1.9955% | 343 |
| Return on assets (ROA) | 2.1660% | 282 |
| Pretax return on assets | 2.1660% | 457 |
| Return on Equity (ROE) | 16.0995% | 666 |
| Retained earnings to average equity (ytd only) | 6.4765% | 2,251 |
| Net charge-offs to loans | 1.3295% | 1,147 |
| Credit loss provision to net charge-offs | 78.8043% | 4,181 |
| Earnings coverage of net charge-offs (x) | 3.2058% | 3,539 |
| Efficiency ratio | 47.7003% | 6,976 |
| Assets per employee ($millions) | 4.0703% | 3,699 |
| Cash dividends to net income (ytd only)* | 59.7722% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8352% | 998 |
| Loan loss allowance to noncurrent loans | 280.0951% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.6110% | 5,598 |
| Noncurrent loans to loans | 1.0122% | 4,866 |
| Net loans and leases to total assets | 56.9087% | 4,698 |
| Net loans and leases to deposits | 66.3924% | 4,845 |
| Net loans and leases to core deposits | 77.0078% | 4,048 |
| Total domestic deposits to total assets | 85.7157% | 3,368 |
| Equity capital to assets | 13.6898% | 1,288 |
| Core capital (leverage) ratio | 13.4667% | 1,057 |
| Tier 1 risk-based capital ratio | 20.1301% | 1,656 |
| Total risk-based capital ratio | 21.3960% | 1,619 |
| Memoranda: | ||
| Average total assets | $237,792,750 | 2,668 |
| Average earning assets | $212,751,250 | 2,707 |
| Average equity | $31,992,000 | 2,074 |
| Average total loans | $147,622,250 | 2,695 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2707% | 1,991 |
| Cost of funding earning assets | 0.8832% | 4,806 |
| Net interest margin | 4.3876% | 1,406 |
| Noninterest income to average assets | 1.1148% | 1,044 |
| Noninterest expense to average assets | 2.4866% | 5,593 |
| Loan and lease loss provision to assets | 0.4567% | 2,140 |
| Net operating income to assets | 2.1366% | 282 |
| Return on assets (ROA) | 2.3091% | 233 |
| Pretax return on assets | 2.3091% | 346 |
| Return on Equity (ROE) | 17.2700% | 526 |
| Retained earnings to average equity (ytd only) | 7.4443% | 1,682 |
| Net charge-offs to loans | 1.8172% | 764 |
| Credit loss provision to net charge-offs | 39.6884% | 4,824 |
| Earnings coverage of net charge-offs (x) | 2.2537% | 3,704 |
| Efficiency ratio | 48.9498% | 7,012 |
| Assets per employee ($millions) | 3.9266% | 3,932 |
| Cash dividends to net income (ytd only)* | 56.8946% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4439% | 1,529 |
| Loan loss allowance to noncurrent loans | 206.2642% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.7523% | 5,400 |
| Noncurrent loans to loans | 1.1849% | 4,674 |
| Net loans and leases to total assets | 60.3626% | 4,204 |
| Net loans and leases to deposits | 70.3841% | 4,386 |
| Net loans and leases to core deposits | 76.5931% | 4,240 |
| Total domestic deposits to total assets | 85.7616% | 3,460 |
| Equity capital to assets | 13.6485% | 1,227 |
| Core capital (leverage) ratio | 13.3842% | 1,036 |
| Tier 1 risk-based capital ratio | 19.3996% | 1,741 |
| Total risk-based capital ratio | 20.6610% | 1,707 |
| Memoranda: | ||
| Average total assets | $234,294,670 | 2,712 |
| Average earning assets | $211,734,670 | 2,737 |
| Average equity | $31,326,000 | 2,109 |
| Average total loans | $148,356,330 | 2,709 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3013% | 1,864 |
| Cost of funding earning assets | 0.9129% | 4,829 |
| Net interest margin | 4.3884% | 1,316 |
| Noninterest income to average assets | 1.1257% | 1,034 |
| Noninterest expense to average assets | 2.4603% | 5,705 |
| Loan and lease loss provision to assets | 0.2590% | 3,068 |
| Net operating income to assets | 2.3653% | 206 |
| Return on assets (ROA) | 2.3998% | 208 |
| Pretax return on assets | 2.3998% | 288 |
| Return on Equity (ROE) | 18.1441% | 469 |
| Retained earnings to average equity (ytd only) | 8.0931% | 1,697 |
| Net charge-offs to loans | 2.5170% | 452 |
| Credit loss provision to net charge-offs | 16.0600% | 4,312 |
| Earnings coverage of net charge-offs (x) | 1.6274% | 3,498 |
| Efficiency ratio | 48.3871% | 7,103 |
| Assets per employee ($millions) | 3.8831% | 4,111 |
| Cash dividends to net income (ytd only)* | 55.3957% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4109% | 1,592 |
| Loan loss allowance to noncurrent loans | 175.2760% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.9039% | 5,095 |
| Noncurrent loans to loans | 1.3755% | 4,408 |
| Net loans and leases to total assets | 62.3912% | 3,777 |
| Net loans and leases to deposits | 72.3434% | 4,012 |
| Net loans and leases to core deposits | 79.6750% | 3,800 |
| Total domestic deposits to total assets | 86.2431% | 3,371 |
| Equity capital to assets | 13.2081% | 1,298 |
| Core capital (leverage) ratio | 13.5933% | 940 |
| Tier 1 risk-based capital ratio | 19.0018% | 1,801 |
| Total risk-based capital ratio | 20.2633% | 1,762 |
| Memoranda: | ||
| Average total assets | $231,681,500 | 2,760 |
| Average earning assets | $209,003,500 | 2,799 |
| Average equity | $30,643,500 | 2,137 |
| Average total loans | $148,433,000 | 2,733 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6135% | 1,847 |
| Cost of funding earning assets | 1.1308% | 4,965 |
| Net interest margin | 4.4828% | 1,267 |
| Noninterest income to average assets | 1.1305% | 1,152 |
| Noninterest expense to average assets | 2.5590% | 5,581 |
| Loan and lease loss provision to assets | 0.6864% | 2,394 |
| Net operating income to assets | 1.9298% | 318 |
| Return on assets (ROA) | 2.1831% | 214 |
| Pretax return on assets | 2.1831% | 334 |
| Return on Equity (ROE) | 15.4592% | 652 |
| Retained earnings to average equity (ytd only) | 0.3355% | 5,415 |
| Net charge-offs to loans | 0.1786% | 5,254 |
| Credit loss provision to net charge-offs | 569.8529% | 392 |
| Earnings coverage of net charge-offs (x) | 21.7206% | 956 |
| Efficiency ratio | 49.4481% | 7,172 |
| Assets per employee ($millions) | 3.7130% | 4,431 |
| Cash dividends to net income (ytd only)* | 97.8296% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0496% | 833 |
| Loan loss allowance to noncurrent loans | 1,356.2691% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.1978% | 6,727 |
| Noncurrent loans to loans | 0.2249% | 6,611 |
| Net loans and leases to total assets | 62.2509% | 4,231 |
| Net loans and leases to deposits | 72.2165% | 4,481 |
| Net loans and leases to core deposits | 79.4028% | 4,291 |
| Total domestic deposits to total assets | 86.2005% | 3,248 |
| Equity capital to assets | 13.2459% | 1,278 |
| Core capital (leverage) ratio | 13.7294% | 920 |
| Tier 1 risk-based capital ratio | 19.7283% | 1,547 |
| Total risk-based capital ratio | 20.9972% | 1,509 |
| Memoranda: | ||
| Average total assets | $225,828,200 | 2,804 |
| Average earning assets | $203,758,200 | 2,823 |
| Average equity | $31,890,400 | 2,059 |
| Average total loans | $152,283,000 | 2,732 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6053% | 2,041 |
| Cost of funding earning assets | 1.1809% | 4,974 |
| Net interest margin | 4.4244% | 1,447 |
| Noninterest income to average assets | 1.1250% | 1,106 |
| Noninterest expense to average assets | 2.5666% | 5,441 |
| Loan and lease loss provision to assets | 0.6795% | 2,244 |
| Net operating income to assets | 1.8747% | 432 |
| Return on assets (ROA) | 2.1944% | 259 |
| Pretax return on assets | 2.1944% | 416 |
| Return on Equity (ROE) | 15.3012% | 813 |
| Retained earnings to average equity (ytd only) | 3.7243% | 3,843 |
| Net charge-offs to loans | 0.1775% | 4,890 |
| Credit loss provision to net charge-offs | 560.9756% | 516 |
| Earnings coverage of net charge-offs (x) | 21.0875% | 1,144 |
| Efficiency ratio | 50.1211% | 7,140 |
| Assets per employee ($millions) | 3.6523% | 4,608 |
| Cash dividends to net income (ytd only)* | 75.6595% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7171% | 1,065 |
| Loan loss allowance to noncurrent loans | 953.9535% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.2823% | 6,670 |
| Noncurrent loans to loans | 0.2848% | 6,619 |
| Net loans and leases to total assets | 65.9219% | 3,708 |
| Net loans and leases to deposits | 78.6688% | 3,694 |
| Net loans and leases to core deposits | 82.8759% | 4,103 |
| Total domestic deposits to total assets | 83.7967% | 4,233 |
| Equity capital to assets | 14.7144% | 962 |
| Core capital (leverage) ratio | 14.4564% | 825 |
| Tier 1 risk-based capital ratio | 19.7411% | 1,594 |
| Total risk-based capital ratio | 20.9945% | 1,565 |
| Memoranda: | ||
| Average total assets | $225,662,000 | 2,843 |
| Average earning assets | $203,802,750 | 2,873 |
| Average equity | $32,362,750 | 2,049 |
| Average total loans | $153,996,500 | 2,747 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5958% | 2,150 |
| Cost of funding earning assets | 1.2051% | 5,099 |
| Net interest margin | 4.3907% | 1,473 |
| Noninterest income to average assets | 1.1120% | 1,064 |
| Noninterest expense to average assets | 2.5991% | 5,325 |
| Loan and lease loss provision to assets | 0.4854% | 2,872 |
| Net operating income to assets | 1.9954% | 331 |
| Return on assets (ROA) | 2.2275% | 240 |
| Pretax return on assets | 2.2275% | 389 |
| Return on Equity (ROE) | 15.6658% | 744 |
| Retained earnings to average equity (ytd only) | 3.0041% | 4,212 |
| Net charge-offs to loans | 0.1793% | 4,531 |
| Credit loss provision to net charge-offs | 395.6835% | 917 |
| Earnings coverage of net charge-offs (x) | 20.2230% | 1,224 |
| Efficiency ratio | 51.1640% | 7,136 |
| Assets per employee ($millions) | 3.4088% | 5,163 |
| Cash dividends to net income (ytd only)* | 80.8241% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2977% | 1,585 |
| Loan loss allowance to noncurrent loans | 468.8568% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.3606% | 6,534 |
| Noncurrent loans to loans | 0.4901% | 6,268 |
| Net loans and leases to total assets | 68.4733% | 3,255 |
| Net loans and leases to deposits | 80.7100% | 3,482 |
| Net loans and leases to core deposits | 86.0113% | 3,833 |
| Total domestic deposits to total assets | 84.8387% | 3,713 |
| Equity capital to assets | 14.6007% | 978 |
| Core capital (leverage) ratio | 13.9707% | 933 |
| Tier 1 risk-based capital ratio | 19.2738% | 1,660 |
| Total risk-based capital ratio | 20.5352% | 1,620 |
| Memoranda: | ||
| Average total assets | $226,620,000 | 2,849 |
| Average earning assets | $204,796,000 | 2,879 |
| Average equity | $32,223,000 | 2,047 |
| Average total loans | $155,006,000 | 2,763 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5393% | 2,410 |
| Cost of funding earning assets | 1.2108% | 5,340 |
| Net interest margin | 4.3285% | 1,604 |
| Noninterest income to average assets | 1.0299% | 1,205 |
| Noninterest expense to average assets | 2.5015% | 5,725 |
| Loan and lease loss provision to assets | 0.3491% | 3,287 |
| Net operating income to assets | 2.0982% | 293 |
| Return on assets (ROA) | 2.1105% | 316 |
| Pretax return on assets | 2.1105% | 498 |
| Return on Equity (ROE) | 15.0378% | 870 |
| Retained earnings to average equity (ytd only) | 2.4254% | 4,681 |
| Net charge-offs to loans | 0.1705% | 3,901 |
| Credit loss provision to net charge-offs | 303.0303% | 1,297 |
| Earnings coverage of net charge-offs (x) | 21.2424% | 1,129 |
| Efficiency ratio | 50.5467% | 7,276 |
| Assets per employee ($millions) | 3.5009% | 5,023 |
| Cash dividends to net income (ytd only)* | 83.8710% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1214% | 1,909 |
| Loan loss allowance to noncurrent loans | 336.8475% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.4601% | 6,321 |
| Noncurrent loans to loans | 0.6298% | 6,057 |
| Net loans and leases to total assets | 66.7254% | 3,694 |
| Net loans and leases to deposits | 78.2833% | 3,984 |
| Net loans and leases to core deposits | 87.9314% | 3,633 |
| Total domestic deposits to total assets | 85.2359% | 3,549 |
| Equity capital to assets | 14.2539% | 1,082 |
| Core capital (leverage) ratio | 13.5567% | 1,070 |
| Tier 1 risk-based capital ratio | 18.7246% | 1,789 |
| Total risk-based capital ratio | 19.9835% | 1,752 |
| Memoranda: | ||
| Average total assets | $229,144,500 | 2,881 |
| Average earning assets | $207,464,500 | 2,908 |
| Average equity | $32,159,000 | 2,081 |
| Average total loans | $154,866,500 | 2,830 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7047% | 3,083 |
| Cost of funding earning assets | 1.3934% | 5,956 |
| Net interest margin | 4.3113% | 1,686 |
| Noninterest income to average assets | 1.1147% | 1,233 |
| Noninterest expense to average assets | 2.6130% | 5,754 |
| Loan and lease loss provision to assets | 0.4801% | 3,962 |
| Net operating income to assets | 1.9509% | 253 |
| Return on assets (ROA) | 2.0788% | 208 |
| Pretax return on assets | 2.0792% | 348 |
| Return on Equity (ROE) | 15.3209% | 625 |
| Retained earnings to average equity (ytd only) | 4.0047% | 2,407 |
| Net charge-offs to loans | 0.1490% | 5,754 |
| Credit loss provision to net charge-offs | 476.1905% | 642 |
| Earnings coverage of net charge-offs (x) | 24.1169% | 915 |
| Efficiency ratio | 51.7996% | 7,402 |
| Assets per employee ($millions) | 3.5497% | 4,890 |
| Cash dividends to net income (ytd only)* | 73.8610% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0420% | 1,935 |
| Loan loss allowance to noncurrent loans | 228.9340% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.6141% | 5,909 |
| Noncurrent loans to loans | 0.8920% | 5,523 |
| Net loans and leases to total assets | 65.6375% | 4,249 |
| Net loans and leases to deposits | 76.5869% | 4,643 |
| Net loans and leases to core deposits | 100.2204% | 3,973 |
| Total domestic deposits to total assets | 85.7033% | 3,162 |
| Equity capital to assets | 13.8178% | 1,219 |
| Core capital (leverage) ratio | 13.4437% | 1,111 |
| Tier 1 risk-based capital ratio | 18.4805% | 1,757 |
| Total risk-based capital ratio | 19.7384% | 1,719 |
| Memoranda: | ||
| Average total assets | $229,126,400 | 2,834 |
| Average earning assets | $208,845,400 | 2,850 |
| Average equity | $31,088,200 | 2,162 |
| Average total loans | $155,073,800 | 2,845 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7042% | 3,320 |
| Cost of funding earning assets | 1.4294% | 6,124 |
| Net interest margin | 4.2748% | 1,791 |
| Noninterest income to average assets | 1.1081% | 1,284 |
| Noninterest expense to average assets | 2.4792% | 6,143 |
| Loan and lease loss provision to assets | 0.5246% | 3,286 |
| Net operating income to assets | 2.0088% | 289 |
| Return on assets (ROA) | 2.1755% | 214 |
| Pretax return on assets | 2.1761% | 374 |
| Return on Equity (ROE) | 16.1085% | 643 |
| Retained earnings to average equity (ytd only) | 6.1076% | 1,898 |
| Net charge-offs to loans | 0.1418% | 5,283 |
| Credit loss provision to net charge-offs | 545.4545% | 721 |
| Earnings coverage of net charge-offs (x) | 26.3460% | 1,024 |
| Efficiency ratio | 49.4535% | 7,592 |
| Assets per employee ($millions) | 3.5831% | 4,727 |
| Cash dividends to net income (ytd only)* | 62.0847% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9335% | 1,948 |
| Loan loss allowance to noncurrent loans | 278.1049% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.4830% | 6,257 |
| Noncurrent loans to loans | 0.6952% | 5,911 |
| Net loans and leases to total assets | 65.8334% | 4,465 |
| Net loans and leases to deposits | 78.8219% | 4,595 |
| Net loans and leases to core deposits | 104.9036% | 3,837 |
| Total domestic deposits to total assets | 83.5217% | 3,948 |
| Equity capital to assets | 13.8227% | 1,365 |
| Core capital (leverage) ratio | 13.6784% | 1,174 |
| Tier 1 risk-based capital ratio | 18.3096% | 1,905 |
| Total risk-based capital ratio | 19.5661% | 1,854 |
| Memoranda: | ||
| Average total assets | $228,725,250 | 2,858 |
| Average earning assets | $208,940,000 | 2,867 |
| Average equity | $30,889,750 | 2,193 |
| Average total loans | $155,191,500 | 2,866 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7877% | 3,110 |
| Cost of funding earning assets | 1.4819% | 6,209 |
| Net interest margin | 4.3058% | 1,640 |
| Noninterest income to average assets | 1.1147% | 1,278 |
| Noninterest expense to average assets | 2.4721% | 6,214 |
| Loan and lease loss provision to assets | 0.5279% | 2,912 |
| Net operating income to assets | 2.0402% | 270 |
| Return on assets (ROA) | 2.1572% | 233 |
| Pretax return on assets | 2.1581% | 391 |
| Return on Equity (ROE) | 16.1023% | 679 |
| Retained earnings to average equity (ytd only) | 5.9563% | 2,043 |
| Net charge-offs to loans | 0.1473% | 4,713 |
| Credit loss provision to net charge-offs | 526.3158% | 876 |
| Earnings coverage of net charge-offs (x) | 25.6140% | 1,112 |
| Efficiency ratio | 49.0401% | 7,715 |
| Assets per employee ($millions) | 3.5176% | 4,775 |
| Cash dividends to net income (ytd only)* | 63.0098% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7662% | 2,138 |
| Loan loss allowance to noncurrent loans | 259.7378% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.4981% | 6,192 |
| Noncurrent loans to loans | 0.6800% | 5,887 |
| Net loans and leases to total assets | 67.4791% | 4,255 |
| Net loans and leases to deposits | 84.6630% | 3,767 |
| Net loans and leases to core deposits | 109.7486% | 3,400 |
| Total domestic deposits to total assets | 79.7032% | 5,561 |
| Equity capital to assets | 13.2143% | 1,601 |
| Core capital (leverage) ratio | 13.4115% | 1,298 |
| Tier 1 risk-based capital ratio | 17.9746% | 2,033 |
| Total risk-based capital ratio | 19.0784% | 2,008 |
| Memoranda: | ||
| Average total assets | $227,333,670 | 2,890 |
| Average earning assets | $207,303,000 | 2,906 |
| Average equity | $30,455,330 | 2,238 |
| Average total loans | $154,805,670 | 2,906 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8466% | 3,048 |
| Cost of funding earning assets | 1.5847% | 6,093 |
| Net interest margin | 4.2619% | 1,695 |
| Noninterest income to average assets | 1.1082% | 1,208 |
| Noninterest expense to average assets | 2.3875% | 6,239 |
| Loan and lease loss provision to assets | 0.5294% | 2,353 |
| Net operating income to assets | 2.0876% | 293 |
| Return on assets (ROA) | 2.3011% | 223 |
| Pretax return on assets | 2.3011% | 364 |
| Return on Equity (ROE) | 17.0591% | 680 |
| Retained earnings to average equity (ytd only) | 6.9597% | 2,225 |
| Net charge-offs to loans | 0.1327% | 3,896 |
| Credit loss provision to net charge-offs | 588.2353% | 966 |
| Earnings coverage of net charge-offs (x) | 29.0784% | 1,082 |
| Efficiency ratio | 47.7080% | 7,742 |
| Assets per employee ($millions) | 3.4948% | 4,839 |
| Cash dividends to net income (ytd only)* | 59.2025% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6313% | 2,396 |
| Loan loss allowance to noncurrent loans | 216.8376% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.5388% | 5,866 |
| Noncurrent loans to loans | 0.7523% | 5,547 |
| Net loans and leases to total assets | 67.3467% | 4,280 |
| Net loans and leases to deposits | 78.2677% | 4,879 |
| Net loans and leases to core deposits | 107.6025% | 3,731 |
| Total domestic deposits to total assets | 86.0465% | 2,689 |
| Equity capital to assets | 13.2047% | 1,656 |
| Core capital (leverage) ratio | 13.3192% | 1,382 |
| Tier 1 risk-based capital ratio | 17.9252% | 2,076 |
| Total risk-based capital ratio | 19.1782% | 2,022 |
| Memoranda: | ||
| Average total assets | $226,677,000 | 2,909 |
| Average earning assets | $207,231,000 | 2,917 |
| Average equity | $30,576,000 | 2,221 |
| Average total loans | $153,677,000 | 2,948 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4949% | 2,979 |
| Cost of funding earning assets | 2.3203% | 5,058 |
| Net interest margin | 4.1746% | 2,418 |
| Noninterest income to average assets | 1.3165% | 841 |
| Noninterest expense to average assets | 2.6811% | 5,333 |
| Loan and lease loss provision to assets | 0.3822% | 3,406 |
| Net operating income to assets | 2.0328% | 325 |
| Return on assets (ROA) | 2.1811% | 245 |
| Pretax return on assets | 2.1834% | 415 |
| Return on Equity (ROE) | 16.3408% | 722 |
| Retained earnings to average equity (ytd only) | 5.8411% | 1,594 |
| Net charge-offs to loans | 0.6654% | 1,860 |
| Credit loss provision to net charge-offs | 87.0010% | 5,741 |
| Earnings coverage of net charge-offs (x) | 5.5026% | 3,624 |
| Efficiency ratio | 52.5884% | 7,421 |
| Assets per employee ($millions) | 3.4272% | 4,863 |
| Cash dividends to net income (ytd only)* | 64.2548% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5069% | 2,647 |
| Loan loss allowance to noncurrent loans | 178.0545% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.6092% | 5,372 |
| Noncurrent loans to loans | 0.8463% | 4,934 |
| Net loans and leases to total assets | 66.1133% | 4,827 |
| Net loans and leases to deposits | 80.4561% | 4,963 |
| Net loans and leases to core deposits | 110.7308% | 3,713 |
| Total domestic deposits to total assets | 82.1731% | 4,132 |
| Equity capital to assets | 13.7741% | 1,506 |
| Core capital (leverage) ratio | 13.2329% | 1,467 |
| Tier 1 risk-based capital ratio | 17.5998% | 2,152 |
| Total risk-based capital ratio | 18.8513% | 2,091 |
| Memoranda: | ||
| Average total assets | $222,407,400 | 2,845 |
| Average earning assets | $201,480,800 | 2,879 |
| Average equity | $29,686,400 | 2,279 |
| Average total loans | $146,826,800 | 2,981 |