Home > Thumb Bank and Trust > Performance and Condition Ratios
Thumb Bank and Trust, 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 | 5.4250% | 2,250 |
| Cost of funding earning assets | 1.1160% | 3,862 |
| Net interest margin | 4.3090% | 826 |
| Noninterest income to average assets | 0.5100% | 1,697 |
| Noninterest expense to average assets | 2.6745% | 1,832 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.4075% | 1,247 |
| Return on assets (ROA) | 1.4075% | 1,247 |
| Pretax return on assets | 1.7229% | 1,074 |
| Return on Equity (ROE) | 16.0600% | 890 |
| Retained earnings to average equity (ytd only) | 9.3383% | 1,354 |
| Net charge-offs to loans | -0.0023% | 3,570 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 56.7471% | 3,333 |
| Assets per employee ($millions) | 6.3371% | 2,694 |
| Cash dividends to net income (ytd only)* | 41.8595% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1423% | 2,498 |
| Loan loss allowance to noncurrent loans | 2,509.8160% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.0247% | 3,546 |
| Noncurrent loans to loans | 0.0455% | 3,447 |
| Net loans and leases to total assets | 53.7200% | 3,362 |
| Net loans and leases to deposits | 59.3289% | 3,513 |
| Net loans and leases to core deposits | 62.9746% | 3,586 |
| Total domestic deposits to total assets | 90.5400% | 647 |
| Equity capital to assets | 9.0615% | 2,892 |
| Core capital (leverage) ratio | 9.2180% | 3,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7633% | 1,603 |
| Memoranda: | ||
| Average total assets | $663,300,000 | 1,424 |
| Average earning assets | $598,932,000 | 1,464 |
| Average equity | $58,126,500 | 1,583 |
| Average total loans | $352,475,500 | 1,702 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2879% | 2,553 |
| Cost of funding earning assets | 1.4735% | 3,401 |
| Net interest margin | 3.8144% | 1,478 |
| Noninterest income to average assets | 0.7100% | 1,144 |
| Noninterest expense to average assets | 2.7453% | 1,643 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.1975% | 1,498 |
| Return on assets (ROA) | 1.1975% | 1,505 |
| Pretax return on assets | 1.4187% | 1,462 |
| Return on Equity (ROE) | 13.3000% | 1,296 |
| Retained earnings to average equity (ytd only) | 5.2081% | 2,145 |
| Net charge-offs to loans | -0.0990% | 4,430 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 61.4193% | 3,008 |
| Assets per employee ($millions) | 6.2975% | 2,650 |
| Cash dividends to net income (ytd only)* | 60.8450% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1738% | 2,300 |
| Loan loss allowance to noncurrent loans | 2,353.1792% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.0259% | 3,521 |
| Noncurrent loans to loans | 0.0499% | 3,393 |
| Net loans and leases to total assets | 51.3500% | 3,562 |
| Net loans and leases to deposits | 56.2828% | 3,697 |
| Net loans and leases to core deposits | 59.8724% | 3,754 |
| Total domestic deposits to total assets | 91.2300% | 458 |
| Equity capital to assets | 8.4687% | 3,223 |
| Core capital (leverage) ratio | 8.7331% | 3,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3263% | 1,746 |
| Memoranda: | ||
| Average total assets | $620,617,200 | 1,490 |
| Average earning assets | $560,696,600 | 1,521 |
| Average equity | $55,875,000 | 1,582 |
| Average total loans | $329,199,200 | 1,754 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3031% | 2,446 |
| Cost of funding earning assets | 1.5582% | 3,253 |
| Net interest margin | 3.7449% | 1,551 |
| Noninterest income to average assets | 0.5900% | 1,496 |
| Noninterest expense to average assets | 2.6548% | 1,796 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.0885% | 1,795 |
| Return on assets (ROA) | 1.0885% | 1,800 |
| Pretax return on assets | 1.3237% | 1,705 |
| Return on Equity (ROE) | 11.9000% | 1,646 |
| Retained earnings to average equity (ytd only) | 5.7917% | 2,166 |
| Net charge-offs to loans | -0.1334% | 4,469 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 61.9399% | 2,945 |
| Assets per employee ($millions) | 5.8965% | 2,953 |
| Cash dividends to net income (ytd only)* | 51.3176% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2078% | 2,169 |
| Loan loss allowance to noncurrent loans | 2,482.2086% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.0271% | 3,565 |
| Noncurrent loans to loans | 0.0487% | 3,457 |
| Net loans and leases to total assets | 55.0200% | 3,341 |
| Net loans and leases to deposits | 61.3528% | 3,513 |
| Net loans and leases to core deposits | 66.5778% | 3,545 |
| Total domestic deposits to total assets | 89.6800% | 681 |
| Equity capital to assets | 9.8743% | 2,381 |
| Core capital (leverage) ratio | 9.4061% | 3,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2860% | 1,466 |
| Memoranda: | ||
| Average total assets | $608,886,500 | 1,503 |
| Average earning assets | $551,214,000 | 1,543 |
| Average equity | $55,710,750 | 1,576 |
| Average total loans | $324,793,750 | 1,768 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2091% | 2,536 |
| Cost of funding earning assets | 1.5314% | 3,223 |
| Net interest margin | 3.6777% | 1,642 |
| Noninterest income to average assets | 0.5900% | 1,488 |
| Noninterest expense to average assets | 2.6010% | 1,947 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.0815% | 1,758 |
| Return on assets (ROA) | 1.0815% | 1,761 |
| Pretax return on assets | 1.3190% | 1,651 |
| Return on Equity (ROE) | 12.1400% | 1,577 |
| Retained earnings to average equity (ytd only) | 6.3210% | 1,895 |
| Net charge-offs to loans | -0.1991% | 4,509 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 61.4955% | 3,049 |
| Assets per employee ($millions) | 6.0692% | 2,736 |
| Cash dividends to net income (ytd only)* | 47.9129% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2448% | 2,015 |
| Loan loss allowance to noncurrent loans | 2,524.3750% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.0264% | 3,549 |
| Noncurrent loans to loans | 0.0493% | 3,413 |
| Net loans and leases to total assets | 52.8000% | 3,483 |
| Net loans and leases to deposits | 58.3417% | 3,656 |
| Net loans and leases to core deposits | 64.7347% | 3,596 |
| Total domestic deposits to total assets | 90.5000% | 573 |
| Equity capital to assets | 9.1180% | 2,662 |
| Core capital (leverage) ratio | 9.2058% | 3,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3650% | 1,425 |
| Memoranda: | ||
| Average total assets | $611,368,667 | 1,500 |
| Average earning assets | $553,607,333 | 1,531 |
| Average equity | $54,485,000 | 1,580 |
| Average total loans | $321,398,000 | 1,776 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0843% | 2,621 |
| Cost of funding earning assets | 1.4834% | 3,224 |
| Net interest margin | 3.6009% | 1,730 |
| Noninterest income to average assets | 0.6000% | 1,364 |
| Noninterest expense to average assets | 2.5365% | 2,144 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.0841% | 1,710 |
| Return on assets (ROA) | 1.0841% | 1,712 |
| Pretax return on assets | 1.3240% | 1,584 |
| Return on Equity (ROE) | 12.3100% | 1,479 |
| Retained earnings to average equity (ytd only) | 7.0073% | 1,832 |
| Net charge-offs to loans | -0.0625% | 4,373 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 60.8072% | 3,172 |
| Assets per employee ($millions) | 6.2973% | 2,600 |
| Cash dividends to net income (ytd only)* | 43.0547% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1909% | 2,331 |
| Loan loss allowance to noncurrent loans | 1,691.4414% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.1261% | 2,795 |
| Noncurrent loans to loans | 0.0704% | 3,278 |
| Net loans and leases to total assets | 50.4800% | 3,583 |
| Net loans and leases to deposits | 55.5275% | 3,722 |
| Net loans and leases to core deposits | 61.1943% | 3,727 |
| Total domestic deposits to total assets | 90.9200% | 552 |
| Equity capital to assets | 8.7744% | 2,830 |
| Core capital (leverage) ratio | 8.9710% | 3,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1390% | 1,498 |
| Memoranda: | ||
| Average total assets | $613,593,500 | 1,494 |
| Average earning assets | $555,748,000 | 1,527 |
| Average equity | $54,058,000 | 1,587 |
| Average total loans | $319,859,500 | 1,769 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0482% | 1,977 |
| Cost of funding earning assets | 1.3399% | 2,393 |
| Net interest margin | 3.7083% | 1,749 |
| Noninterest income to average assets | 0.5900% | 1,571 |
| Noninterest expense to average assets | 2.8677% | 1,341 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.8927% | 2,573 |
| Return on assets (ROA) | 0.9024% | 2,515 |
| Pretax return on assets | 1.0835% | 2,457 |
| Return on Equity (ROE) | 10.7000% | 2,304 |
| Retained earnings to average equity (ytd only) | 4.3210% | 2,857 |
| Net charge-offs to loans | -0.0027% | 3,728 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 72.6412% | 1,600 |
| Assets per employee ($millions) | 5.7014% | 3,071 |
| Cash dividends to net income (ytd only)* | 59.6123% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1461% | 2,575 |
| Loan loss allowance to noncurrent loans | 1,682.3529% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.1788% | 2,337 |
| Noncurrent loans to loans | 0.0681% | 3,225 |
| Net loans and leases to total assets | 52.5700% | 3,450 |
| Net loans and leases to deposits | 58.9291% | 3,583 |
| Net loans and leases to core deposits | 64.1922% | 3,580 |
| Total domestic deposits to total assets | 89.2100% | 1,005 |
| Equity capital to assets | 8.8461% | 2,788 |
| Core capital (leverage) ratio | 8.9422% | 3,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7174% | 1,972 |
| Memoranda: | ||
| Average total assets | $548,771,600 | 1,618 |
| Average earning assets | $496,591,200 | 1,648 |
| Average equity | $46,285,800 | 1,700 |
| Average total loans | $293,843,000 | 1,812 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0764% | 1,671 |
| Cost of funding earning assets | 1.2217% | 2,363 |
| Net interest margin | 3.8546% | 1,486 |
| Noninterest income to average assets | 0.5400% | 1,768 |
| Noninterest expense to average assets | 2.8435% | 1,335 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.9870% | 2,403 |
| Return on assets (ROA) | 1.0003% | 2,353 |
| Pretax return on assets | 1.2037% | 2,288 |
| Return on Equity (ROE) | 12.0300% | 2,120 |
| Retained earnings to average equity (ytd only) | 5.3553% | 2,823 |
| Net charge-offs to loans | -0.0033% | 3,657 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 70.4066% | 1,742 |
| Assets per employee ($millions) | 5.3401% | 3,313 |
| Cash dividends to net income (ytd only)* | 55.4723% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1619% | 2,563 |
| Loan loss allowance to noncurrent loans | 606.0458% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.1042% | 2,877 |
| Noncurrent loans to loans | 0.1917% | 2,592 |
| Net loans and leases to total assets | 53.7100% | 3,382 |
| Net loans and leases to deposits | 61.3505% | 3,437 |
| Net loans and leases to core deposits | 66.2652% | 3,413 |
| Total domestic deposits to total assets | 87.5500% | 1,718 |
| Equity capital to assets | 8.5904% | 2,670 |
| Core capital (leverage) ratio | 9.1010% | 3,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6707% | 2,019 |
| Memoranda: | ||
| Average total assets | $533,451,750 | 1,658 |
| Average earning assets | $483,667,750 | 1,680 |
| Average equity | $44,365,750 | 1,736 |
| Average total loans | $286,201,500 | 1,846 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1102% | 1,352 |
| Cost of funding earning assets | 1.0903% | 2,309 |
| Net interest margin | 4.0199% | 1,206 |
| Noninterest income to average assets | 0.5600% | 1,626 |
| Noninterest expense to average assets | 2.9558% | 1,117 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.0680% | 2,214 |
| Return on assets (ROA) | 1.0891% | 2,143 |
| Pretax return on assets | 1.2785% | 2,135 |
| Return on Equity (ROE) | 13.2600% | 1,847 |
| Retained earnings to average equity (ytd only) | 5.5133% | 2,778 |
| Net charge-offs to loans | -0.0036% | 3,640 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 70.1215% | 1,753 |
| Assets per employee ($millions) | 5.2559% | 3,355 |
| Cash dividends to net income (ytd only)* | 58.4254% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1951% | 2,471 |
| Loan loss allowance to noncurrent loans | 628.8364% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.1026% | 2,820 |
| Noncurrent loans to loans | 0.1901% | 2,515 |
| Net loans and leases to total assets | 53.3200% | 3,321 |
| Net loans and leases to deposits | 62.1046% | 3,300 |
| Net loans and leases to core deposits | 65.3539% | 3,386 |
| Total domestic deposits to total assets | 85.8600% | 2,274 |
| Equity capital to assets | 9.0799% | 2,455 |
| Core capital (leverage) ratio | 9.0933% | 3,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4633% | 2,112 |
| Memoranda: | ||
| Average total assets | $515,465,667 | 1,693 |
| Average earning assets | $469,064,667 | 1,713 |
| Average equity | $42,334,000 | 1,803 |
| Average total loans | $275,193,667 | 1,889 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4297% | 690 |
| Cost of funding earning assets | 0.9930% | 2,072 |
| Net interest margin | 4.4367% | 643 |
| Noninterest income to average assets | 0.5800% | 1,496 |
| Noninterest expense to average assets | 3.2389% | 758 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1997% | 1,932 |
| Return on assets (ROA) | 1.1997% | 1,892 |
| Pretax return on assets | 1.3897% | 1,906 |
| Return on Equity (ROE) | 15.5900% | 1,444 |
| Retained earnings to average equity (ytd only) | 11.1239% | 1,444 |
| Net charge-offs to loans | -0.0031% | 3,520 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.9750% | 1,754 |
| Assets per employee ($millions) | 5.3552% | 3,360 |
| Cash dividends to net income (ytd only)* | 28.6501% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2266% | 2,413 |
| Loan loss allowance to noncurrent loans | 765.1546% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.0895% | 2,920 |
| Noncurrent loans to loans | 0.1603% | 2,685 |
| Net loans and leases to total assets | 50.7300% | 3,439 |
| Net loans and leases to deposits | 57.0861% | 3,503 |
| Net loans and leases to core deposits | 60.0024% | 3,540 |
| Total domestic deposits to total assets | 88.8600% | 1,595 |
| Equity capital to assets | 9.1734% | 2,389 |
| Core capital (leverage) ratio | 8.6765% | 4,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0179% | 1,972 |
| Memoranda: | ||
| Average total assets | $484,121,500 | 1,780 |
| Average earning assets | $442,309,500 | 1,795 |
| Average equity | $37,253,000 | 1,997 |
| Average total loans | $256,779,000 | 1,995 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7203% | 2,471 |
| Cost of funding earning assets | 0.2150% | 3,636 |
| Net interest margin | 3.5053% | 1,913 |
| Noninterest income to average assets | 0.6200% | 1,571 |
| Noninterest expense to average assets | 2.8105% | 1,294 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1095% | 2,128 |
| Return on assets (ROA) | 1.1095% | 2,065 |
| Pretax return on assets | 1.1095% | 2,739 |
| Return on Equity (ROE) | 19.1400% | 553 |
| Retained earnings to average equity (ytd only) | 8.5941% | 1,608 |
| Net charge-offs to loans | -0.0030% | 3,524 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.6960% | 1,475 |
| Assets per employee ($millions) | 5.4167% | 3,298 |
| Cash dividends to net income (ytd only)* | 55.0953% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2240% | 2,274 |
| Loan loss allowance to noncurrent loans | 4,453.4483% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.0153% | 3,706 |
| Noncurrent loans to loans | 0.0275% | 3,595 |
| Net loans and leases to total assets | 54.9700% | 3,120 |
| Net loans and leases to deposits | 58.3164% | 3,432 |
| Net loans and leases to core deposits | 61.7152% | 3,411 |
| Total domestic deposits to total assets | 94.2700% | 214 |
| Equity capital to assets | 5.3981% | 4,270 |
| Core capital (leverage) ratio | 9.1392% | 3,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7150% | 2,084 |
| Memoranda: | ||
| Average total assets | $382,953,800 | 2,092 |
| Average earning assets | $360,942,800 | 2,066 |
| Average equity | $22,201,400 | 2,755 |
| Average total loans | $202,472,400 | 2,209 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6695% | 2,130 |
| Cost of funding earning assets | 0.1852% | 3,450 |
| Net interest margin | 3.4844% | 1,708 |
| Noninterest income to average assets | 0.5900% | 1,743 |
| Noninterest expense to average assets | 2.6263% | 1,651 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2618% | 1,485 |
| Return on assets (ROA) | 1.2618% | 1,454 |
| Pretax return on assets | 1.2618% | 2,170 |
| Return on Equity (ROE) | 21.4000% | 327 |
| Retained earnings to average equity (ytd only) | 12.4643% | 702 |
| Net charge-offs to loans | -0.0027% | 3,321 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.5480% | 2,077 |
| Assets per employee ($millions) | 5.1725% | 3,529 |
| Cash dividends to net income (ytd only)* | 41.7561% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2444% | 2,292 |
| Loan loss allowance to noncurrent loans | 2,367.8899% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.0293% | 3,635 |
| Noncurrent loans to loans | 0.0526% | 3,501 |
| Net loans and leases to total assets | 55.0000% | 3,006 |
| Net loans and leases to deposits | 58.0822% | 3,336 |
| Net loans and leases to core deposits | 61.7087% | 3,256 |
| Total domestic deposits to total assets | 94.6900% | 261 |
| Equity capital to assets | 4.9342% | 4,309 |
| Core capital (leverage) ratio | 8.3289% | 4,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8694% | 2,530 |
| Memoranda: | ||
| Average total assets | $383,899,250 | 2,105 |
| Average earning assets | $362,869,500 | 2,075 |
| Average equity | $22,634,750 | 2,764 |
| Average total loans | $200,334,250 | 2,227 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6061% | 1,828 |
| Cost of funding earning assets | 0.1737% | 3,266 |
| Net interest margin | 3.4324% | 1,507 |
| Noninterest income to average assets | 0.5917% | 1,778 |
| Noninterest expense to average assets | 2.4997% | 1,932 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3432% | 1,038 |
| Return on assets (ROA) | 1.3432% | 1,016 |
| Pretax return on assets | 1.3432% | 1,604 |
| Return on Equity (ROE) | 21.6510% | 213 |
| Retained earnings to average equity (ytd only) | 14.7167% | 288 |
| Net charge-offs to loans | -0.0010% | 3,042 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0470% | 2,635 |
| Assets per employee ($millions) | 5.3189% | 3,413 |
| Cash dividends to net income (ytd only)* | 32.0276% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2569% | 2,397 |
| Loan loss allowance to noncurrent loans | 3,906.0606% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.0172% | 3,840 |
| Noncurrent loans to loans | 0.0322% | 3,708 |
| Net loans and leases to total assets | 52.8836% | 3,070 |
| Net loans and leases to deposits | 55.8306% | 3,394 |
| Net loans and leases to core deposits | 58.9553% | 3,349 |
| Total domestic deposits to total assets | 94.7214% | 170 |
| Equity capital to assets | 4.9459% | 4,486 |
| Core capital (leverage) ratio | 7.7284% | 4,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7978% | 2,568 |
| Memoranda: | ||
| Average total assets | $387,726,333 | 2,101 |
| Average earning assets | $367,265,667 | 2,076 |
| Average equity | $24,054,333 | 2,746 |
| Average total loans | $197,976,000 | 2,250 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6472% | 1,389 |
| Cost of funding earning assets | 0.1695% | 3,226 |
| Net interest margin | 3.4777% | 1,130 |
| Noninterest income to average assets | 0.5947% | 1,714 |
| Noninterest expense to average assets | 2.4147% | 2,111 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4827% | 660 |
| Return on assets (ROA) | 1.4827% | 651 |
| Pretax return on assets | 1.4827% | 1,047 |
| Return on Equity (ROE) | 21.7354% | 168 |
| Retained earnings to average equity (ytd only) | 16.1587% | 223 |
| Net charge-offs to loans | 0.0021% | 1,750 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 1,446.0000% | 52 |
| Efficiency ratio | 61.9574% | 3,262 |
| Assets per employee ($millions) | 5.4126% | 3,380 |
| Cash dividends to net income (ytd only)* | 25.6570% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3244% | 2,243 |
| Loan loss allowance to noncurrent loans | 3,680.0000% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.0175% | 3,882 |
| Noncurrent loans to loans | 0.0360% | 3,724 |
| Net loans and leases to total assets | 47.9189% | 3,394 |
| Net loans and leases to deposits | 51.4140% | 3,617 |
| Net loans and leases to core deposits | 54.4693% | 3,562 |
| Total domestic deposits to total assets | 93.2020% | 225 |
| Equity capital to assets | 6.0213% | 4,580 |
| Core capital (leverage) ratio | 7.5858% | 4,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3086% | 2,480 |
| Memoranda: | ||
| Average total assets | $390,107,500 | 2,097 |
| Average earning assets | $370,476,500 | 2,073 |
| Average equity | $26,611,000 | 2,676 |
| Average total loans | $194,412,500 | 2,270 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0031% | 1,353 |
| Cost of funding earning assets | 0.2689% | 2,713 |
| Net interest margin | 3.7342% | 1,131 |
| Noninterest income to average assets | 0.7817% | 1,502 |
| Noninterest expense to average assets | 2.7676% | 1,437 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.5422% | 928 |
| Return on assets (ROA) | 1.5422% | 971 |
| Pretax return on assets | 1.5422% | 1,596 |
| Return on Equity (ROE) | 19.2097% | 360 |
| Retained earnings to average equity (ytd only) | 9.0475% | 1,185 |
| Net charge-offs to loans | -0.0366% | 4,190 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2165% | 2,526 |
| Assets per employee ($millions) | 5.2734% | 3,498 |
| Cash dividends to net income (ytd only)* | 52.9016% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3256% | 2,246 |
| Loan loss allowance to noncurrent loans | 3,481.0811% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.0195% | 3,941 |
| Noncurrent loans to loans | 0.0381% | 3,805 |
| Net loans and leases to total assets | 50.5007% | 3,224 |
| Net loans and leases to deposits | 55.2263% | 3,493 |
| Net loans and leases to core deposits | 58.9209% | 3,396 |
| Total domestic deposits to total assets | 91.4432% | 334 |
| Equity capital to assets | 7.6655% | 4,521 |
| Core capital (leverage) ratio | 7.5103% | 4,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3665% | 2,504 |
| Memoranda: | ||
| Average total assets | $366,486,200 | 2,118 |
| Average earning assets | $346,255,200 | 2,101 |
| Average equity | $29,422,600 | 2,571 |
| Average total loans | $204,657,800 | 2,210 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1552% | 1,178 |
| Cost of funding earning assets | 0.2588% | 3,028 |
| Net interest margin | 3.8964% | 944 |
| Noninterest income to average assets | 0.8029% | 1,519 |
| Noninterest expense to average assets | 2.6795% | 1,641 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.7988% | 668 |
| Return on assets (ROA) | 1.7988% | 695 |
| Pretax return on assets | 1.7988% | 1,164 |
| Return on Equity (ROE) | 22.1448% | 293 |
| Retained earnings to average equity (ytd only) | 14.8461% | 418 |
| Net charge-offs to loans | -0.0386% | 4,240 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8328% | 2,999 |
| Assets per employee ($millions) | 5.4616% | 3,234 |
| Cash dividends to net income (ytd only)* | 32.9592% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3328% | 2,317 |
| Loan loss allowance to noncurrent loans | 3,243.0380% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.0210% | 4,052 |
| Noncurrent loans to loans | 0.0411% | 3,915 |
| Net loans and leases to total assets | 50.3280% | 3,372 |
| Net loans and leases to deposits | 56.4726% | 3,536 |
| Net loans and leases to core deposits | 60.9254% | 3,408 |
| Total domestic deposits to total assets | 89.1193% | 1,217 |
| Equity capital to assets | 8.3908% | 4,281 |
| Core capital (leverage) ratio | 7.8158% | 4,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3899% | 2,209 |
| Memoranda: | ||
| Average total assets | $363,186,250 | 2,154 |
| Average earning assets | $342,601,500 | 2,136 |
| Average equity | $29,502,000 | 2,603 |
| Average total loans | $207,242,250 | 2,222 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7308% | 2,255 |
| Cost of funding earning assets | 0.2778% | 3,010 |
| Net interest margin | 3.4530% | 1,996 |
| Noninterest income to average assets | 0.7746% | 1,599 |
| Noninterest expense to average assets | 2.6228% | 1,802 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4104% | 1,537 |
| Return on assets (ROA) | 1.4104% | 1,602 |
| Pretax return on assets | 1.4104% | 2,299 |
| Return on Equity (ROE) | 17.5651% | 704 |
| Retained earnings to average equity (ytd only) | 11.4670% | 1,022 |
| Net charge-offs to loans | -0.0113% | 3,717 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0304% | 2,297 |
| Assets per employee ($millions) | 4.9218% | 3,723 |
| Cash dividends to net income (ytd only)* | 34.7173% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1776% | 3,061 |
| Loan loss allowance to noncurrent loans | 1,745.8333% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.0390% | 3,997 |
| Noncurrent loans to loans | 0.0675% | 3,854 |
| Net loans and leases to total assets | 57.1529% | 2,770 |
| Net loans and leases to deposits | 64.1710% | 2,984 |
| Net loans and leases to core deposits | 69.8283% | 2,803 |
| Total domestic deposits to total assets | 89.0634% | 1,254 |
| Equity capital to assets | 8.0631% | 4,495 |
| Core capital (leverage) ratio | 7.5110% | 4,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1629% | 2,303 |
| Memoranda: | ||
| Average total assets | $358,631,000 | 2,167 |
| Average earning assets | $338,426,333 | 2,145 |
| Average equity | $28,795,667 | 2,633 |
| Average total loans | $212,248,333 | 2,193 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6869% | 2,394 |
| Cost of funding earning assets | 0.2973% | 3,023 |
| Net interest margin | 3.3896% | 2,138 |
| Noninterest income to average assets | 0.7539% | 1,694 |
| Noninterest expense to average assets | 2.4835% | 2,222 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4715% | 1,392 |
| Return on assets (ROA) | 1.4715% | 1,455 |
| Pretax return on assets | 1.4715% | 2,071 |
| Return on Equity (ROE) | 18.3671% | 679 |
| Retained earnings to average equity (ytd only) | 12.2212% | 1,092 |
| Net charge-offs to loans | -0.0227% | 4,056 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7934% | 2,636 |
| Assets per employee ($millions) | 5.1512% | 3,485 |
| Cash dividends to net income (ytd only)* | 33.4615% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1915% | 2,977 |
| Loan loss allowance to noncurrent loans | 1,687.2483% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.0402% | 4,087 |
| Noncurrent loans to loans | 0.0706% | 3,936 |
| Net loans and leases to total assets | 56.2108% | 3,011 |
| Net loans and leases to deposits | 62.7711% | 3,247 |
| Net loans and leases to core deposits | 68.2149% | 3,044 |
| Total domestic deposits to total assets | 89.5489% | 1,048 |
| Equity capital to assets | 7.7962% | 4,595 |
| Core capital (leverage) ratio | 7.6275% | 4,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0319% | 1,888 |
| Memoranda: | ||
| Average total assets | $353,377,500 | 2,170 |
| Average earning assets | $333,722,500 | 2,160 |
| Average equity | $28,311,500 | 2,646 |
| Average total loans | $211,629,000 | 2,205 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0668% | 2,524 |
| Cost of funding earning assets | 0.5575% | 2,569 |
| Net interest margin | 3.5092% | 2,445 |
| Noninterest income to average assets | 0.9908% | 1,061 |
| Noninterest expense to average assets | 3.0081% | 1,413 |
| Loan and lease loss provision to assets | 0.1950% | 2,005 |
| Net operating income to assets | 1.0714% | 2,019 |
| Return on assets (ROA) | 1.0646% | 2,189 |
| Pretax return on assets | 1.0646% | 2,829 |
| Return on Equity (ROE) | 12.1837% | 1,271 |
| Retained earnings to average equity (ytd only) | 4.9702% | 2,285 |
| Net charge-offs to loans | -0.1231% | 4,843 |
| Credit loss provision to net charge-offs | -238.0952% | 3,822 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3726% | 1,899 |
| Assets per employee ($millions) | 4.5387% | 3,880 |
| Cash dividends to net income (ytd only)* | 59.2061% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1787% | 3,061 |
| Loan loss allowance to noncurrent loans | 1,060.1695% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.0703% | 3,991 |
| Noncurrent loans to loans | 0.1112% | 3,844 |
| Net loans and leases to total assets | 62.4542% | 2,545 |
| Net loans and leases to deposits | 69.9152% | 2,886 |
| Net loans and leases to core deposits | 76.6325% | 2,665 |
| Total domestic deposits to total assets | 89.3285% | 842 |
| Equity capital to assets | 8.2497% | 4,600 |
| Core capital (leverage) ratio | 7.6376% | 4,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4912% | 2,449 |
| Memoranda: | ||
| Average total assets | $307,639,800 | 2,260 |
| Average earning assets | $287,870,600 | 2,241 |
| Average equity | $26,880,200 | 2,683 |
| Average total loans | $204,772,800 | 2,196 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1802% | 2,447 |
| Cost of funding earning assets | 0.5939% | 2,654 |
| Net interest margin | 3.5863% | 2,319 |
| Noninterest income to average assets | 0.9062% | 1,204 |
| Noninterest expense to average assets | 2.9551% | 1,546 |
| Loan and lease loss provision to assets | 0.1640% | 2,361 |
| Net operating income to assets | 1.1404% | 1,851 |
| Return on assets (ROA) | 1.1311% | 2,000 |
| Pretax return on assets | 1.1311% | 2,638 |
| Return on Equity (ROE) | 12.7465% | 1,184 |
| Retained earnings to average equity (ytd only) | 9.3475% | 891 |
| Net charge-offs to loans | -0.0223% | 4,453 |
| Credit loss provision to net charge-offs | -1,088.2353% | 3,939 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3742% | 1,981 |
| Assets per employee ($millions) | 4.3527% | 3,994 |
| Cash dividends to net income (ytd only)* | 26.6667% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9336% | 3,958 |
| Loan loss allowance to noncurrent loans | 796.1240% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.0801% | 4,028 |
| Noncurrent loans to loans | 0.1173% | 3,908 |
| Net loans and leases to total assets | 67.6648% | 2,286 |
| Net loans and leases to deposits | 76.9094% | 2,666 |
| Net loans and leases to core deposits | 84.2517% | 2,449 |
| Total domestic deposits to total assets | 87.9799% | 1,221 |
| Equity capital to assets | 8.8177% | 4,241 |
| Core capital (leverage) ratio | 7.9058% | 4,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1782% | 2,880 |
| Memoranda: | ||
| Average total assets | $300,583,000 | 2,279 |
| Average earning assets | $281,066,000 | 2,268 |
| Average equity | $26,673,250 | 2,687 |
| Average total loans | $202,899,750 | 2,207 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2686% | 2,550 |
| Cost of funding earning assets | 0.6016% | 2,956 |
| Net interest margin | 3.6669% | 2,275 |
| Noninterest income to average assets | 0.8684% | 1,239 |
| Noninterest expense to average assets | 3.0094% | 1,554 |
| Loan and lease loss provision to assets | 0.1943% | 2,094 |
| Net operating income to assets | 1.0838% | 2,023 |
| Return on assets (ROA) | 1.0695% | 2,199 |
| Pretax return on assets | 1.0695% | 2,808 |
| Return on Equity (ROE) | 12.0244% | 1,327 |
| Retained earnings to average equity (ytd only) | 9.6103% | 858 |
| Net charge-offs to loans | -0.0456% | 4,662 |
| Credit loss provision to net charge-offs | -633.3333% | 3,655 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1908% | 1,931 |
| Assets per employee ($millions) | 4.3703% | 3,940 |
| Cash dividends to net income (ytd only)* | 20.0765% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9085% | 3,964 |
| Loan loss allowance to noncurrent loans | 152.1906% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 0.4023% | 2,680 |
| Noncurrent loans to loans | 0.5969% | 2,359 |
| Net loans and leases to total assets | 66.7795% | 2,526 |
| Net loans and leases to deposits | 77.1568% | 2,740 |
| Net loans and leases to core deposits | 85.2535% | 2,501 |
| Total domestic deposits to total assets | 86.5504% | 1,787 |
| Equity capital to assets | 8.5832% | 4,428 |
| Core capital (leverage) ratio | 8.0376% | 4,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6993% | 3,044 |
| Memoranda: | ||
| Average total assets | $293,410,333 | 2,290 |
| Average earning assets | $273,581,000 | 2,289 |
| Average equity | $26,097,000 | 2,709 |
| Average total loans | $197,198,667 | 2,238 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5039% | 2,302 |
| Cost of funding earning assets | 0.6998% | 2,931 |
| Net interest margin | 3.8041% | 1,953 |
| Noninterest income to average assets | 0.7615% | 1,428 |
| Noninterest expense to average assets | 3.1679% | 1,494 |
| Loan and lease loss provision to assets | 0.1652% | 1,765 |
| Net operating income to assets | 0.9583% | 2,321 |
| Return on assets (ROA) | 0.9583% | 2,424 |
| Pretax return on assets | 0.9583% | 2,973 |
| Return on Equity (ROE) | 10.5594% | 1,552 |
| Retained earnings to average equity (ytd only) | 7.9948% | 1,235 |
| Net charge-offs to loans | -0.0664% | 4,715 |
| Credit loss provision to net charge-offs | -370.9677% | 3,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8199% | 1,844 |
| Assets per employee ($millions) | 3.9247% | 4,026 |
| Cash dividends to net income (ytd only)* | 24.2879% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9635% | 3,874 |
| Loan loss allowance to noncurrent loans | 128.6533% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 0.4940% | 2,515 |
| Noncurrent loans to loans | 0.7489% | 2,132 |
| Net loans and leases to total assets | 65.3309% | 2,895 |
| Net loans and leases to deposits | 76.7887% | 3,001 |
| Net loans and leases to core deposits | 84.2506% | 2,829 |
| Total domestic deposits to total assets | 85.0788% | 2,387 |
| Equity capital to assets | 8.9250% | 4,644 |
| Core capital (leverage) ratio | 8.8477% | 4,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9693% | 2,717 |
| Memoranda: | ||
| Average total assets | $278,415,500 | 2,333 |
| Average earning assets | $258,352,000 | 2,329 |
| Average equity | $25,266,500 | 2,761 |
| Average total loans | $186,825,500 | 2,293 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5257% | 2,858 |
| Cost of funding earning assets | 0.8102% | 2,631 |
| Net interest margin | 3.7155% | 2,767 |
| Noninterest income to average assets | 0.7445% | 1,648 |
| Noninterest expense to average assets | 3.3574% | 1,191 |
| Loan and lease loss provision to assets | 0.1214% | 1,744 |
| Net operating income to assets | 0.7038% | 3,861 |
| Return on assets (ROA) | 0.7564% | 3,761 |
| Pretax return on assets | 0.7564% | 4,068 |
| Return on Equity (ROE) | 8.2313% | 3,070 |
| Retained earnings to average equity (ytd only) | 3.7397% | 3,108 |
| Net charge-offs to loans | 0.4905% | 384 |
| Credit loss provision to net charge-offs | 37.9673% | 3,219 |
| Earnings coverage of net charge-offs (x) | 2.5806% | 3,402 |
| Efficiency ratio | 80.2715% | 921 |
| Assets per employee ($millions) | 3.5617% | 4,421 |
| Cash dividends to net income (ytd only)* | 54.5679% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8812% | 4,049 |
| Loan loss allowance to noncurrent loans | 116.1972% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 0.5178% | 2,347 |
| Noncurrent loans to loans | 0.7584% | 1,996 |
| Net loans and leases to total assets | 67.6727% | 2,730 |
| Net loans and leases to deposits | 80.2347% | 2,753 |
| Net loans and leases to core deposits | 86.8996% | 2,718 |
| Total domestic deposits to total assets | 84.3433% | 2,736 |
| Equity capital to assets | 9.2298% | 4,546 |
| Core capital (leverage) ratio | 8.8932% | 4,603 |
| Tier 1 risk-based capital ratio | 12.0061% | 4,361 |
| Total risk-based capital ratio | 12.8333% | 4,467 |
| Memoranda: | ||
| Average total assets | $267,706,400 | 2,344 |
| Average earning assets | $247,717,400 | 2,350 |
| Average equity | $24,601,200 | 2,741 |
| Average total loans | $174,502,600 | 2,374 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5327% | 2,954 |
| Cost of funding earning assets | 0.8278% | 2,579 |
| Net interest margin | 3.7049% | 2,903 |
| Noninterest income to average assets | 0.7677% | 1,528 |
| Noninterest expense to average assets | 3.4371% | 1,031 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7577% | 3,826 |
| Return on assets (ROA) | 0.8283% | 3,664 |
| Pretax return on assets | 0.8283% | 4,056 |
| Return on Equity (ROE) | 9.0239% | 2,879 |
| Retained earnings to average equity (ytd only) | 5.9068% | 2,415 |
| Net charge-offs to loans | 0.0171% | 2,795 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 68.7334% | 969 |
| Efficiency ratio | 81.9376% | 762 |
| Assets per employee ($millions) | 3.3878% | 4,603 |
| Cash dividends to net income (ytd only)* | 34.5431% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2074% | 2,469 |
| Loan loss allowance to noncurrent loans | 843.3594% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.0957% | 4,230 |
| Noncurrent loans to loans | 0.1432% | 4,028 |
| Net loans and leases to total assets | 66.0078% | 3,046 |
| Net loans and leases to deposits | 76.9005% | 3,209 |
| Net loans and leases to core deposits | 83.3134% | 3,152 |
| Total domestic deposits to total assets | 85.8353% | 2,063 |
| Equity capital to assets | 9.5913% | 4,396 |
| Core capital (leverage) ratio | 9.0088% | 4,630 |
| Tier 1 risk-based capital ratio | 12.7145% | 4,022 |
| Total risk-based capital ratio | 13.8506% | 3,959 |
| Memoranda: | ||
| Average total assets | $266,069,500 | 2,370 |
| Average earning assets | $246,116,000 | 2,376 |
| Average equity | $24,423,250 | 2,775 |
| Average total loans | $171,317,000 | 2,432 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4820% | 3,068 |
| Cost of funding earning assets | 0.8346% | 2,481 |
| Net interest margin | 3.6474% | 3,110 |
| Noninterest income to average assets | 0.7569% | 1,491 |
| Noninterest expense to average assets | 3.4389% | 1,042 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6884% | 4,040 |
| Return on assets (ROA) | 0.7215% | 3,987 |
| Pretax return on assets | 0.7215% | 4,279 |
| Return on Equity (ROE) | 7.9808% | 3,300 |
| Retained earnings to average equity (ytd only) | 5.1817% | 2,677 |
| Net charge-offs to loans | 0.0284% | 2,287 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 38.0833% | 1,279 |
| Efficiency ratio | 83.3212% | 707 |
| Assets per employee ($millions) | 3.4826% | 4,518 |
| Cash dividends to net income (ytd only)* | 35.0731% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2486% | 2,261 |
| Loan loss allowance to noncurrent loans | 876.8293% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.0917% | 4,308 |
| Noncurrent loans to loans | 0.1424% | 4,047 |
| Net loans and leases to total assets | 63.6181% | 3,381 |
| Net loans and leases to deposits | 72.8608% | 3,613 |
| Net loans and leases to core deposits | 80.8950% | 3,351 |
| Total domestic deposits to total assets | 87.3146% | 1,430 |
| Equity capital to assets | 9.3404% | 4,542 |
| Core capital (leverage) ratio | 8.9374% | 4,684 |
| Tier 1 risk-based capital ratio | 12.3389% | 4,222 |
| Total risk-based capital ratio | 13.4595% | 4,170 |
| Memoranda: | ||
| Average total assets | $265,546,670 | 2,381 |
| Average earning assets | $245,380,330 | 2,385 |
| Average equity | $24,007,670 | 2,799 |
| Average total loans | $168,815,670 | 2,458 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4093% | 3,192 |
| Cost of funding earning assets | 0.8153% | 2,446 |
| Net interest margin | 3.5941% | 3,269 |
| Noninterest income to average assets | 0.7190% | 1,548 |
| Noninterest expense to average assets | 3.4696% | 1,012 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5661% | 4,346 |
| Return on assets (ROA) | 0.5661% | 4,376 |
| Pretax return on assets | 0.5661% | 4,575 |
| Return on Equity (ROE) | 6.3692% | 3,887 |
| Retained earnings to average equity (ytd only) | 3.5422% | 3,496 |
| Net charge-offs to loans | -0.0024% | 3,888 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9715% | 582 |
| Assets per employee ($millions) | 3.5522% | 4,518 |
| Cash dividends to net income (ytd only)* | 44.3850% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3161% | 2,013 |
| Loan loss allowance to noncurrent loans | 762.9371% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.1074% | 4,269 |
| Noncurrent loans to loans | 0.1725% | 3,978 |
| Net loans and leases to total assets | 61.4116% | 3,557 |
| Net loans and leases to deposits | 68.8737% | 3,850 |
| Net loans and leases to core deposits | 76.8401% | 3,605 |
| Total domestic deposits to total assets | 89.1657% | 784 |
| Equity capital to assets | 9.0067% | 4,678 |
| Core capital (leverage) ratio | 8.9420% | 4,688 |
| Tier 1 risk-based capital ratio | 11.8632% | 4,531 |
| Total risk-based capital ratio | 12.9700% | 4,505 |
| Memoranda: | ||
| Average total assets | $264,241,000 | 2,408 |
| Average earning assets | $243,846,500 | 2,424 |
| Average equity | $23,488,000 | 2,840 |
| Average total loans | $166,846,500 | 2,500 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3616% | 2,893 |
| Cost of funding earning assets | 0.6214% | 2,579 |
| Net interest margin | 3.7402% | 2,900 |
| Noninterest income to average assets | 0.8122% | 1,409 |
| Noninterest expense to average assets | 3.6396% | 830 |
| Loan and lease loss provision to assets | -0.0993% | 5,267 |
| Net operating income to assets | 0.7161% | 4,096 |
| Return on assets (ROA) | 0.7181% | 4,093 |
| Pretax return on assets | 0.7181% | 4,368 |
| Return on Equity (ROE) | 7.9580% | 3,456 |
| Retained earnings to average equity (ytd only) | 3.2325% | 3,788 |
| Net charge-offs to loans | -0.0809% | 5,100 |
| Credit loss provision to net charge-offs | 187.9699% | 1,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5102% | 555 |
| Assets per employee ($millions) | 3.3599% | 4,699 |
| Cash dividends to net income (ytd only)* | 59.3802% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2990% | 2,043 |
| Loan loss allowance to noncurrent loans | 497.9452% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.1671% | 3,985 |
| Noncurrent loans to loans | 0.2609% | 3,642 |
| Net loans and leases to total assets | 63.2358% | 3,433 |
| Net loans and leases to deposits | 70.6475% | 3,777 |
| Net loans and leases to core deposits | 78.1070% | 3,574 |
| Total domestic deposits to total assets | 89.5089% | 657 |
| Equity capital to assets | 8.7690% | 4,752 |
| Core capital (leverage) ratio | 9.1615% | 4,495 |
| Tier 1 risk-based capital ratio | 12.0616% | 4,389 |
| Total risk-based capital ratio | 13.1941% | 4,352 |
| Memoranda: | ||
| Average total assets | $251,648,000 | 2,460 |
| Average earning assets | $231,726,200 | 2,473 |
| Average equity | $22,706,600 | 2,851 |
| Average total loans | $164,457,200 | 2,484 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3306% | 2,848 |
| Cost of funding earning assets | 0.5778% | 2,650 |
| Net interest margin | 3.7527% | 2,815 |
| Noninterest income to average assets | 0.8047% | 1,460 |
| Noninterest expense to average assets | 3.5458% | 925 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7185% | 4,171 |
| Return on assets (ROA) | 0.7211% | 4,170 |
| Pretax return on assets | 0.7211% | 4,489 |
| Return on Equity (ROE) | 7.9334% | 3,578 |
| Retained earnings to average equity (ytd only) | 4.5762% | 3,460 |
| Net charge-offs to loans | -0.0839% | 5,111 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1513% | 693 |
| Assets per employee ($millions) | 3.1675% | 4,912 |
| Cash dividends to net income (ytd only)* | 42.3161% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4848% | 1,398 |
| Loan loss allowance to noncurrent loans | 161.2492% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 0.5951% | 2,397 |
| Noncurrent loans to loans | 0.9208% | 1,857 |
| Net loans and leases to total assets | 63.6610% | 3,471 |
| Net loans and leases to deposits | 71.4275% | 3,814 |
| Net loans and leases to core deposits | 79.6642% | 3,525 |
| Total domestic deposits to total assets | 89.1268% | 804 |
| Equity capital to assets | 8.9458% | 4,599 |
| Core capital (leverage) ratio | 9.2634% | 4,439 |
| Tier 1 risk-based capital ratio | 12.1923% | 4,384 |
| Total risk-based capital ratio | 13.4422% | 4,280 |
| Memoranda: | ||
| Average total assets | $249,042,500 | 2,495 |
| Average earning assets | $229,587,500 | 2,503 |
| Average equity | $22,638,000 | 2,862 |
| Average total loans | $163,595,750 | 2,510 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2343% | 2,996 |
| Cost of funding earning assets | 0.5120% | 2,915 |
| Net interest margin | 3.7224% | 2,852 |
| Noninterest income to average assets | 0.8180% | 1,419 |
| Noninterest expense to average assets | 3.5754% | 896 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6757% | 4,264 |
| Return on assets (ROA) | 0.6821% | 4,251 |
| Pretax return on assets | 0.6821% | 4,551 |
| Return on Equity (ROE) | 7.4640% | 3,741 |
| Retained earnings to average equity (ytd only) | 4.5418% | 3,324 |
| Net charge-offs to loans | -0.0719% | 5,048 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1060% | 681 |
| Assets per employee ($millions) | 3.1873% | 4,942 |
| Cash dividends to net income (ytd only)* | 39.1509% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4415% | 1,592 |
| Loan loss allowance to noncurrent loans | 88.0134% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 1.0912% | 1,355 |
| Noncurrent loans to loans | 1.6378% | 982 |
| Net loans and leases to total assets | 65.6623% | 3,195 |
| Net loans and leases to deposits | 74.3986% | 3,495 |
| Net loans and leases to core deposits | 82.2858% | 3,220 |
| Total domestic deposits to total assets | 88.2575% | 1,245 |
| Equity capital to assets | 9.2077% | 4,375 |
| Core capital (leverage) ratio | 9.3119% | 4,348 |
| Tier 1 risk-based capital ratio | 12.0020% | 4,491 |
| Total risk-based capital ratio | 13.2261% | 4,392 |
| Memoranda: | ||
| Average total assets | $248,646,670 | 2,512 |
| Average earning assets | $229,316,670 | 2,514 |
| Average equity | $22,722,330 | 2,867 |
| Average total loans | $164,227,670 | 2,511 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1184% | 3,175 |
| Cost of funding earning assets | 0.4701% | 3,042 |
| Net interest margin | 3.6483% | 2,995 |
| Noninterest income to average assets | 0.8184% | 1,396 |
| Noninterest expense to average assets | 3.4269% | 1,119 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7528% | 3,901 |
| Return on assets (ROA) | 0.7544% | 3,893 |
| Pretax return on assets | 0.7544% | 4,278 |
| Return on Equity (ROE) | 8.2863% | 3,250 |
| Retained earnings to average equity (ytd only) | 5.7056% | 2,851 |
| Net charge-offs to loans | -0.1410% | 5,304 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9885% | 946 |
| Assets per employee ($millions) | 3.3268% | 4,874 |
| Cash dividends to net income (ytd only)* | 31.1441% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4548% | 1,637 |
| Loan loss allowance to noncurrent loans | 102.9720% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 0.9170% | 1,727 |
| Noncurrent loans to loans | 1.4128% | 1,258 |
| Net loans and leases to total assets | 63.9618% | 3,314 |
| Net loans and leases to deposits | 73.0845% | 3,507 |
| Net loans and leases to core deposits | 79.4040% | 3,370 |
| Total domestic deposits to total assets | 87.5175% | 1,889 |
| Equity capital to assets | 9.0505% | 4,503 |
| Core capital (leverage) ratio | 9.3584% | 4,247 |
| Tier 1 risk-based capital ratio | 12.7054% | 4,110 |
| Total risk-based capital ratio | 13.9561% | 4,013 |
| Memoranda: | ||
| Average total assets | $250,258,000 | 2,513 |
| Average earning assets | $230,572,500 | 2,529 |
| Average equity | $22,784,500 | 2,890 |
| Average total loans | $164,587,500 | 2,530 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1762% | 2,776 |
| Cost of funding earning assets | 0.4028% | 3,230 |
| Net interest margin | 3.7734% | 2,527 |
| Noninterest income to average assets | 0.8599% | 1,383 |
| Noninterest expense to average assets | 3.4607% | 1,106 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9024% | 2,699 |
| Return on assets (ROA) | 0.9109% | 2,681 |
| Pretax return on assets | 0.9109% | 3,882 |
| Return on Equity (ROE) | 9.7799% | 1,988 |
| Retained earnings to average equity (ytd only) | 4.5938% | 2,397 |
| Net charge-offs to loans | 0.0521% | 2,759 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 26.6024% | 1,666 |
| Efficiency ratio | 79.3181% | 1,180 |
| Assets per employee ($millions) | 3.7464% | 4,369 |
| Cash dividends to net income (ytd only)* | 53.0283% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3742% | 1,861 |
| Loan loss allowance to noncurrent loans | 74.6346% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 1.2267% | 1,194 |
| Noncurrent loans to loans | 1.8412% | 862 |
| Net loans and leases to total assets | 65.7076% | 3,138 |
| Net loans and leases to deposits | 77.2076% | 3,203 |
| Net loans and leases to core deposits | 82.8490% | 3,164 |
| Total domestic deposits to total assets | 85.1051% | 2,801 |
| Equity capital to assets | 9.1579% | 4,570 |
| Core capital (leverage) ratio | 9.2664% | 4,331 |
| Tier 1 risk-based capital ratio | 12.2201% | 4,385 |
| Total risk-based capital ratio | 13.4574% | 4,284 |
| Memoranda: | ||
| Average total assets | $244,692,000 | 2,531 |
| Average earning assets | $227,167,600 | 2,524 |
| Average equity | $22,791,600 | 2,878 |
| Average total loans | $159,256,000 | 2,555 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1607% | 2,750 |
| Cost of funding earning assets | 0.3888% | 3,297 |
| Net interest margin | 3.7719% | 2,499 |
| Noninterest income to average assets | 0.8479% | 1,427 |
| Noninterest expense to average assets | 3.4129% | 1,132 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9411% | 2,822 |
| Return on assets (ROA) | 0.9449% | 2,867 |
| Pretax return on assets | 0.9449% | 3,885 |
| Return on Equity (ROE) | 10.1012% | 2,087 |
| Retained earnings to average equity (ytd only) | 6.8240% | 1,787 |
| Net charge-offs to loans | 0.0288% | 2,854 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 50.4730% | 1,109 |
| Efficiency ratio | 78.3852% | 1,276 |
| Assets per employee ($millions) | 3.3391% | 4,927 |
| Cash dividends to net income (ytd only)* | 32.4432% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4521% | 1,695 |
| Loan loss allowance to noncurrent loans | 57.8934% | 4,386 |
| Noncurrent assets plus other real estate owned to assets | 1.6767% | 860 |
| Noncurrent loans to loans | 2.5082% | 612 |
| Net loans and leases to total assets | 65.3438% | 3,199 |
| Net loans and leases to deposits | 76.3896% | 3,332 |
| Net loans and leases to core deposits | 82.2082% | 3,266 |
| Total domestic deposits to total assets | 85.5401% | 2,501 |
| Equity capital to assets | 9.6453% | 4,299 |
| Core capital (leverage) ratio | 9.3803% | 4,317 |
| Tier 1 risk-based capital ratio | 12.7553% | 4,170 |
| Total risk-based capital ratio | 14.0063% | 4,062 |
| Memoranda: | ||
| Average total assets | $243,113,500 | 2,559 |
| Average earning assets | $225,979,750 | 2,557 |
| Average equity | $22,742,750 | 2,907 |
| Average total loans | $157,263,000 | 2,594 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1022% | 2,822 |
| Cost of funding earning assets | 0.3630% | 3,448 |
| Net interest margin | 3.7392% | 2,516 |
| Noninterest income to average assets | 0.9107% | 1,243 |
| Noninterest expense to average assets | 3.4599% | 1,064 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9280% | 2,773 |
| Return on assets (ROA) | 0.9337% | 2,808 |
| Pretax return on assets | 0.9337% | 3,813 |
| Return on Equity (ROE) | 10.0860% | 2,002 |
| Retained earnings to average equity (ytd only) | 7.1509% | 1,518 |
| Net charge-offs to loans | 0.0513% | 2,192 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 28.1750% | 1,513 |
| Efficiency ratio | 78.8516% | 1,351 |
| Assets per employee ($millions) | 3.3570% | 4,911 |
| Cash dividends to net income (ytd only)* | 29.1005% | 2,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4636% | 1,707 |
| Loan loss allowance to noncurrent loans | 54.0647% | 4,495 |
| Noncurrent assets plus other real estate owned to assets | 1.8244% | 754 |
| Noncurrent loans to loans | 2.7071% | 519 |
| Net loans and leases to total assets | 64.3133% | 3,345 |
| Net loans and leases to deposits | 75.6600% | 3,382 |
| Net loans and leases to core deposits | 81.1893% | 3,323 |
| Total domestic deposits to total assets | 85.0030% | 2,808 |
| Equity capital to assets | 9.4233% | 4,488 |
| Core capital (leverage) ratio | 9.4221% | 4,211 |
| Tier 1 risk-based capital ratio | 12.8210% | 4,107 |
| Total risk-based capital ratio | 14.0722% | 4,021 |
| Memoranda: | ||
| Average total assets | $242,899,000 | 2,569 |
| Average earning assets | $225,879,000 | 2,575 |
| Average equity | $22,486,670 | 2,928 |
| Average total loans | $155,808,330 | 2,622 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0544% | 2,833 |
| Cost of funding earning assets | 0.3466% | 3,570 |
| Net interest margin | 3.7078% | 2,459 |
| Noninterest income to average assets | 1.0190% | 968 |
| Noninterest expense to average assets | 3.3629% | 1,267 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1066% | 1,840 |
| Return on assets (ROA) | 1.1066% | 1,880 |
| Pretax return on assets | 1.1066% | 2,957 |
| Return on Equity (ROE) | 12.0630% | 1,215 |
| Retained earnings to average equity (ytd only) | 9.1780% | 1,023 |
| Net charge-offs to loans | 0.0104% | 2,617 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 167.2500% | 328 |
| Efficiency ratio | 75.2406% | 2,030 |
| Assets per employee ($millions) | 3.4040% | 4,923 |
| Cash dividends to net income (ytd only)* | 23.9163% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5878% | 1,414 |
| Loan loss allowance to noncurrent loans | 75.5083% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 1.3609% | 1,236 |
| Noncurrent loans to loans | 2.1028% | 831 |
| Net loans and leases to total assets | 60.9583% | 3,670 |
| Net loans and leases to deposits | 67.9850% | 3,987 |
| Net loans and leases to core deposits | 71.9205% | 3,992 |
| Total domestic deposits to total assets | 89.6642% | 815 |
| Equity capital to assets | 9.3303% | 4,469 |
| Core capital (leverage) ratio | 9.3080% | 4,330 |
| Tier 1 risk-based capital ratio | 13.5228% | 3,769 |
| Total risk-based capital ratio | 14.7749% | 3,670 |
| Memoranda: | ||
| Average total assets | $241,817,000 | 2,598 |
| Average earning assets | $225,042,000 | 2,601 |
| Average equity | $22,183,500 | 2,970 |
| Average total loans | $153,738,000 | 2,654 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0891% | 2,900 |
| Cost of funding earning assets | 0.3345% | 3,697 |
| Net interest margin | 3.7546% | 2,483 |
| Noninterest income to average assets | 1.2967% | 677 |
| Noninterest expense to average assets | 3.5932% | 1,025 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1807% | 1,565 |
| Return on assets (ROA) | 1.1913% | 1,627 |
| Pretax return on assets | 1.1913% | 2,709 |
| Return on Equity (ROE) | 12.2803% | 1,176 |
| Retained earnings to average equity (ytd only) | 4.1081% | 2,985 |
| Net charge-offs to loans | 0.0426% | 3,183 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 43.2344% | 1,116 |
| Efficiency ratio | 75.2681% | 2,102 |
| Assets per employee ($millions) | 3.2260% | 5,124 |
| Cash dividends to net income (ytd only)* | 66.5473% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5091% | 1,631 |
| Loan loss allowance to noncurrent loans | 86.0188% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 1.1879% | 1,523 |
| Noncurrent loans to loans | 1.7544% | 1,091 |
| Net loans and leases to total assets | 64.2247% | 3,329 |
| Net loans and leases to deposits | 73.0674% | 3,609 |
| Net loans and leases to core deposits | 77.5710% | 3,599 |
| Total domestic deposits to total assets | 87.8979% | 1,683 |
| Equity capital to assets | 9.0172% | 4,798 |
| Core capital (leverage) ratio | 9.1732% | 4,516 |
| Tier 1 risk-based capital ratio | 12.7130% | 4,265 |
| Total risk-based capital ratio | 13.9647% | 4,150 |
| Memoranda: | ||
| Average total assets | $234,360,200 | 2,620 |
| Average earning assets | $217,042,600 | 2,627 |
| Average equity | $22,735,600 | 2,917 |
| Average total loans | $150,135,600 | 2,642 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0873% | 2,921 |
| Cost of funding earning assets | 0.3246% | 3,822 |
| Net interest margin | 3.7628% | 2,481 |
| Noninterest income to average assets | 0.8018% | 1,758 |
| Noninterest expense to average assets | 3.4683% | 1,204 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8179% | 3,287 |
| Return on assets (ROA) | 0.8322% | 3,356 |
| Pretax return on assets | 0.8322% | 4,211 |
| Return on Equity (ROE) | 8.4241% | 2,798 |
| Retained earnings to average equity (ytd only) | 5.1729% | 2,712 |
| Net charge-offs to loans | 0.0135% | 3,480 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 95.0645% | 689 |
| Efficiency ratio | 80.9180% | 1,310 |
| Assets per employee ($millions) | 3.1546% | 5,236 |
| Cash dividends to net income (ytd only)* | 38.5941% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5870% | 1,518 |
| Loan loss allowance to noncurrent loans | 86.6049% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 1.2186% | 1,629 |
| Noncurrent loans to loans | 1.8324% | 1,119 |
| Net loans and leases to total assets | 63.7186% | 3,440 |
| Net loans and leases to deposits | 75.7381% | 3,426 |
| Net loans and leases to core deposits | 78.7798% | 3,578 |
| Total domestic deposits to total assets | 84.1301% | 3,171 |
| Equity capital to assets | 9.9851% | 4,141 |
| Core capital (leverage) ratio | 9.4142% | 4,308 |
| Tier 1 risk-based capital ratio | 13.1151% | 4,089 |
| Total risk-based capital ratio | 14.3676% | 3,997 |
| Memoranda: | ||
| Average total assets | $232,463,000 | 2,646 |
| Average earning assets | $215,261,250 | 2,656 |
| Average equity | $22,965,250 | 2,917 |
| Average total loans | $148,226,500 | 2,669 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0808% | 2,939 |
| Cost of funding earning assets | 0.3141% | 3,975 |
| Net interest margin | 3.7667% | 2,451 |
| Noninterest income to average assets | 0.7694% | 1,849 |
| Noninterest expense to average assets | 3.3122% | 1,570 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9442% | 2,649 |
| Return on assets (ROA) | 0.9451% | 2,788 |
| Pretax return on assets | 0.9451% | 3,792 |
| Return on Equity (ROE) | 9.6018% | 2,228 |
| Retained earnings to average equity (ytd only) | 6.7266% | 1,751 |
| Net charge-offs to loans | 0.0218% | 3,056 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 68.1875% | 794 |
| Efficiency ratio | 77.8162% | 1,820 |
| Assets per employee ($millions) | 3.5623% | 4,662 |
| Cash dividends to net income (ytd only)* | 29.9451% | 2,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6385% | 1,432 |
| Loan loss allowance to noncurrent loans | 97.4338% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 1.2330% | 1,663 |
| Noncurrent loans to loans | 1.6817% | 1,263 |
| Net loans and leases to total assets | 63.9832% | 3,362 |
| Net loans and leases to deposits | 74.8848% | 3,491 |
| Net loans and leases to core deposits | 78.0267% | 3,639 |
| Total domestic deposits to total assets | 85.4422% | 2,668 |
| Equity capital to assets | 10.4155% | 3,725 |
| Core capital (leverage) ratio | 9.5239% | 4,176 |
| Tier 1 risk-based capital ratio | 13.5615% | 3,864 |
| Total risk-based capital ratio | 14.8150% | 3,779 |
| Memoranda: | ||
| Average total assets | $231,086,670 | 2,668 |
| Average earning assets | $213,929,670 | 2,672 |
| Average equity | $22,745,670 | 2,946 |
| Average total loans | $146,574,000 | 2,694 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0144% | 3,174 |
| Cost of funding earning assets | 0.3068% | 4,091 |
| Net interest margin | 3.7076% | 2,641 |
| Noninterest income to average assets | 0.6826% | 2,121 |
| Noninterest expense to average assets | 3.2239% | 1,780 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8872% | 2,821 |
| Return on assets (ROA) | 0.8889% | 2,936 |
| Pretax return on assets | 0.8889% | 3,891 |
| Return on Equity (ROE) | 9.2963% | 2,285 |
| Retained earnings to average equity (ytd only) | 6.3653% | 2,199 |
| Net charge-offs to loans | 0.0302% | 2,346 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 46.9091% | 921 |
| Efficiency ratio | 78.4191% | 1,835 |
| Assets per employee ($millions) | 3.5644% | 4,716 |
| Cash dividends to net income (ytd only)* | 31.5280% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7183% | 1,317 |
| Loan loss allowance to noncurrent loans | 115.4649% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 0.9448% | 2,345 |
| Noncurrent loans to loans | 1.4882% | 1,585 |
| Net loans and leases to total assets | 60.0870% | 3,758 |
| Net loans and leases to deposits | 67.6744% | 4,091 |
| Net loans and leases to core deposits | 70.4861% | 4,206 |
| Total domestic deposits to total assets | 88.7884% | 1,213 |
| Equity capital to assets | 9.7510% | 4,393 |
| Core capital (leverage) ratio | 9.1384% | 4,680 |
| Tier 1 risk-based capital ratio | 14.0024% | 3,693 |
| Total risk-based capital ratio | 15.2564% | 3,617 |
| Memoranda: | ||
| Average total assets | $232,636,000 | 2,668 |
| Average earning assets | $215,127,000 | 2,677 |
| Average equity | $22,245,500 | 2,999 |
| Average total loans | $145,709,000 | 2,710 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1956% | 2,576 |
| Cost of funding earning assets | 0.3389% | 3,806 |
| Net interest margin | 3.8567% | 2,176 |
| Noninterest income to average assets | 0.7940% | 1,810 |
| Noninterest expense to average assets | 3.4563% | 1,377 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9007% | 2,864 |
| Return on assets (ROA) | 0.9187% | 2,853 |
| Pretax return on assets | 0.9187% | 3,771 |
| Return on Equity (ROE) | 9.4599% | 2,239 |
| Retained earnings to average equity (ytd only) | 4.6653% | 2,667 |
| Net charge-offs to loans | 0.0035% | 4,336 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 401.6000% | 163 |
| Efficiency ratio | 79.3267% | 1,772 |
| Assets per employee ($millions) | 3.3369% | 5,090 |
| Cash dividends to net income (ytd only)* | 50.6836% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6325% | 1,522 |
| Loan loss allowance to noncurrent loans | 106.2120% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 1.0219% | 2,150 |
| Noncurrent loans to loans | 1.5370% | 1,504 |
| Net loans and leases to total assets | 63.0714% | 3,397 |
| Net loans and leases to deposits | 70.7228% | 3,833 |
| Net loans and leases to core deposits | 73.1035% | 4,031 |
| Total domestic deposits to total assets | 89.1811% | 1,030 |
| Equity capital to assets | 9.3753% | 4,703 |
| Core capital (leverage) ratio | 9.5214% | 4,143 |
| Tier 1 risk-based capital ratio | 13.1078% | 4,237 |
| Total risk-based capital ratio | 14.3611% | 4,157 |
| Memoranda: | ||
| Average total assets | $222,927,600 | 2,724 |
| Average earning assets | $205,955,800 | 2,710 |
| Average equity | $21,649,200 | 3,011 |
| Average total loans | $144,354,200 | 2,678 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1968% | 2,583 |
| Cost of funding earning assets | 0.3526% | 3,730 |
| Net interest margin | 3.8442% | 2,220 |
| Noninterest income to average assets | 0.8154% | 1,748 |
| Noninterest expense to average assets | 3.4388% | 1,399 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9340% | 2,785 |
| Return on assets (ROA) | 0.9389% | 2,863 |
| Pretax return on assets | 0.9389% | 3,850 |
| Return on Equity (ROE) | 9.5797% | 2,280 |
| Retained earnings to average equity (ytd only) | 5.8182% | 2,358 |
| Net charge-offs to loans | 0.0718% | 2,536 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 20.0397% | 1,894 |
| Efficiency ratio | 78.6406% | 1,867 |
| Assets per employee ($millions) | 3.3044% | 5,118 |
| Cash dividends to net income (ytd only)* | 39.2650% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6765% | 1,531 |
| Loan loss allowance to noncurrent loans | 50.1373% | 4,940 |
| Noncurrent assets plus other real estate owned to assets | 2.2197% | 849 |
| Noncurrent loans to loans | 3.3438% | 486 |
| Net loans and leases to total assets | 63.8136% | 3,334 |
| Net loans and leases to deposits | 72.8000% | 3,671 |
| Net loans and leases to core deposits | 75.1747% | 3,886 |
| Total domestic deposits to total assets | 87.6560% | 1,725 |
| Equity capital to assets | 10.1339% | 4,018 |
| Core capital (leverage) ratio | 9.6526% | 4,099 |
| Tier 1 risk-based capital ratio | 13.8355% | 3,950 |
| Total risk-based capital ratio | 15.0891% | 3,887 |
| Memoranda: | ||
| Average total assets | $220,263,750 | 2,769 |
| Average earning assets | $203,833,750 | 2,758 |
| Average equity | $21,586,750 | 3,035 |
| Average total loans | $143,000,500 | 2,711 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1447% | 2,738 |
| Cost of funding earning assets | 0.3613% | 3,680 |
| Net interest margin | 3.7834% | 2,390 |
| Noninterest income to average assets | 0.7249% | 2,111 |
| Noninterest expense to average assets | 3.3450% | 1,589 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8960% | 2,896 |
| Return on assets (ROA) | 0.8987% | 3,008 |
| Pretax return on assets | 0.8987% | 3,960 |
| Return on Equity (ROE) | 9.2737% | 2,393 |
| Retained earnings to average equity (ytd only) | 6.2385% | 2,095 |
| Net charge-offs to loans | 0.1031% | 1,974 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 13.3784% | 2,136 |
| Efficiency ratio | 78.8732% | 1,937 |
| Assets per employee ($millions) | 3.5800% | 4,657 |
| Cash dividends to net income (ytd only)* | 32.7291% | 2,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6483% | 1,752 |
| Loan loss allowance to noncurrent loans | 42.5425% | 5,196 |
| Noncurrent assets plus other real estate owned to assets | 2.5238% | 746 |
| Noncurrent loans to loans | 3.8744% | 411 |
| Net loans and leases to total assets | 63.8737% | 3,279 |
| Net loans and leases to deposits | 71.9693% | 3,726 |
| Net loans and leases to core deposits | 74.2430% | 3,943 |
| Total domestic deposits to total assets | 88.7513% | 1,267 |
| Equity capital to assets | 9.6858% | 4,423 |
| Core capital (leverage) ratio | 9.3764% | 4,454 |
| Tier 1 risk-based capital ratio | 13.5112% | 4,219 |
| Total risk-based capital ratio | 14.7650% | 4,147 |
| Memoranda: | ||
| Average total assets | $220,988,330 | 2,784 |
| Average earning assets | $205,371,330 | 2,751 |
| Average equity | $21,415,330 | 3,067 |
| Average total loans | $143,486,000 | 2,707 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1076% | 2,795 |
| Cost of funding earning assets | 0.3692% | 3,657 |
| Net interest margin | 3.7385% | 2,476 |
| Noninterest income to average assets | 0.6930% | 2,189 |
| Noninterest expense to average assets | 3.2762% | 1,779 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8889% | 2,795 |
| Return on assets (ROA) | 0.8943% | 2,896 |
| Pretax return on assets | 0.8943% | 3,914 |
| Return on Equity (ROE) | 9.2264% | 2,348 |
| Retained earnings to average equity (ytd only) | 6.1759% | 2,390 |
| Net charge-offs to loans | 0.1816% | 1,202 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 7.5385% | 2,159 |
| Efficiency ratio | 78.6585% | 2,095 |
| Assets per employee ($millions) | 3.6060% | 4,710 |
| Cash dividends to net income (ytd only)* | 33.0629% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7321% | 1,662 |
| Loan loss allowance to noncurrent loans | 42.7708% | 5,219 |
| Noncurrent assets plus other real estate owned to assets | 2.5463% | 839 |
| Noncurrent loans to loans | 4.0497% | 430 |
| Net loans and leases to total assets | 61.0292% | 3,524 |
| Net loans and leases to deposits | 68.6517% | 3,899 |
| Net loans and leases to core deposits | 70.8056% | 4,078 |
| Total domestic deposits to total assets | 88.8968% | 1,337 |
| Equity capital to assets | 9.6388% | 4,587 |
| Core capital (leverage) ratio | 9.2528% | 4,644 |
| Tier 1 risk-based capital ratio | 13.6148% | 4,270 |
| Total risk-based capital ratio | 14.8689% | 4,177 |
| Memoranda: | ||
| Average total assets | $220,501,000 | 2,801 |
| Average earning assets | $204,789,000 | 2,782 |
| Average equity | $21,373,500 | 3,088 |
| Average total loans | $143,153,000 | 2,713 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4681% | 1,997 |
| Cost of funding earning assets | 0.4225% | 3,452 |
| Net interest margin | 4.0456% | 1,751 |
| Noninterest income to average assets | 0.7106% | 2,252 |
| Noninterest expense to average assets | 3.4900% | 1,508 |
| Loan and lease loss provision to assets | 0.0231% | 4,145 |
| Net operating income to assets | 0.9400% | 2,673 |
| Return on assets (ROA) | 0.9395% | 2,767 |
| Pretax return on assets | 0.9395% | 3,740 |
| Return on Equity (ROE) | 9.9290% | 2,152 |
| Retained earnings to average equity (ytd only) | 4.9011% | 2,682 |
| Net charge-offs to loans | 0.2155% | 1,943 |
| Credit loss provision to net charge-offs | 16.0256% | 4,024 |
| Earnings coverage of net charge-offs (x) | 6.6891% | 3,154 |
| Efficiency ratio | 78.3731% | 2,152 |
| Assets per employee ($millions) | 3.5069% | 4,884 |
| Cash dividends to net income (ytd only)* | 50.6385% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6751% | 1,841 |
| Loan loss allowance to noncurrent loans | 39.2937% | 5,394 |
| Noncurrent assets plus other real estate owned to assets | 2.9256% | 705 |
| Noncurrent loans to loans | 4.2630% | 405 |
| Net loans and leases to total assets | 66.6822% | 2,769 |
| Net loans and leases to deposits | 75.1011% | 3,297 |
| Net loans and leases to core deposits | 77.9397% | 3,527 |
| Total domestic deposits to total assets | 88.7898% | 1,361 |
| Equity capital to assets | 9.7490% | 4,417 |
| Core capital (leverage) ratio | 9.3675% | 4,446 |
| Tier 1 risk-based capital ratio | 13.0758% | 4,678 |
| Total risk-based capital ratio | 14.3300% | 4,592 |
| Memoranda: | ||
| Average total assets | $216,705,800 | 2,816 |
| Average earning assets | $200,466,800 | 2,804 |
| Average equity | $20,505,600 | 3,105 |
| Average total loans | $144,770,200 | 2,647 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4943% | 1,888 |
| Cost of funding earning assets | 0.4285% | 3,481 |
| Net interest margin | 4.0658% | 1,675 |
| Noninterest income to average assets | 0.7229% | 2,214 |
| Noninterest expense to average assets | 3.4692% | 1,530 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0166% | 2,379 |
| Return on assets (ROA) | 1.0166% | 2,435 |
| Pretax return on assets | 1.0166% | 3,534 |
| Return on Equity (ROE) | 10.8263% | 1,865 |
| Retained earnings to average equity (ytd only) | 6.7803% | 1,939 |
| Net charge-offs to loans | 0.2193% | 1,726 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 6.9663% | 2,994 |
| Efficiency ratio | 77.3370% | 2,295 |
| Assets per employee ($millions) | 3.2454% | 5,341 |
| Cash dividends to net income (ytd only)* | 37.3714% | 2,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7097% | 1,937 |
| Loan loss allowance to noncurrent loans | 58.8166% | 4,833 |
| Noncurrent assets plus other real estate owned to assets | 1.9509% | 1,491 |
| Noncurrent loans to loans | 2.9068% | 931 |
| Net loans and leases to total assets | 65.9663% | 2,875 |
| Net loans and leases to deposits | 74.6444% | 3,351 |
| Net loans and leases to core deposits | 78.3884% | 3,497 |
| Total domestic deposits to total assets | 88.3740% | 1,567 |
| Equity capital to assets | 9.7603% | 4,471 |
| Core capital (leverage) ratio | 9.4972% | 4,376 |
| Tier 1 risk-based capital ratio | 13.3212% | 4,664 |
| Total risk-based capital ratio | 14.5760% | 4,594 |
| Memoranda: | ||
| Average total assets | $216,525,500 | 2,842 |
| Average earning assets | $200,396,000 | 2,824 |
| Average equity | $20,332,750 | 3,134 |
| Average total loans | $144,099,000 | 2,667 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5206% | 1,768 |
| Cost of funding earning assets | 0.4344% | 3,500 |
| Net interest margin | 4.0862% | 1,553 |
| Noninterest income to average assets | 0.7428% | 2,079 |
| Noninterest expense to average assets | 3.4918% | 1,491 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0267% | 2,217 |
| Return on assets (ROA) | 1.0267% | 2,281 |
| Pretax return on assets | 1.0267% | 3,367 |
| Return on Equity (ROE) | 11.0801% | 1,718 |
| Retained earnings to average equity (ytd only) | 7.7660% | 1,404 |
| Net charge-offs to loans | 0.2816% | 1,410 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 5.4950% | 2,919 |
| Efficiency ratio | 77.2774% | 2,410 |
| Assets per employee ($millions) | 3.2015% | 5,423 |
| Cash dividends to net income (ytd only)* | 29.9099% | 2,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7574% | 1,958 |
| Loan loss allowance to noncurrent loans | 53.6017% | 5,031 |
| Noncurrent assets plus other real estate owned to assets | 2.2233% | 1,362 |
| Noncurrent loans to loans | 3.2786% | 851 |
| Net loans and leases to total assets | 65.9361% | 2,757 |
| Net loans and leases to deposits | 74.5841% | 3,260 |
| Net loans and leases to core deposits | 78.2080% | 3,416 |
| Total domestic deposits to total assets | 88.4051% | 1,681 |
| Equity capital to assets | 9.7776% | 4,393 |
| Core capital (leverage) ratio | 9.2849% | 4,613 |
| Tier 1 risk-based capital ratio | 13.2182% | 4,775 |
| Total risk-based capital ratio | 14.4732% | 4,706 |
| Memoranda: | ||
| Average total assets | $216,219,670 | 2,855 |
| Average earning assets | $199,796,000 | 2,837 |
| Average equity | $20,036,000 | 3,161 |
| Average total loans | $143,487,330 | 2,679 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5899% | 1,532 |
| Cost of funding earning assets | 0.4374% | 3,569 |
| Net interest margin | 4.1525% | 1,332 |
| Noninterest income to average assets | 0.7131% | 2,110 |
| Noninterest expense to average assets | 3.4199% | 1,650 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1240% | 1,722 |
| Return on assets (ROA) | 1.1240% | 1,786 |
| Pretax return on assets | 1.1240% | 2,798 |
| Return on Equity (ROE) | 12.4697% | 1,289 |
| Retained earnings to average equity (ytd only) | 9.0558% | 1,229 |
| Net charge-offs to loans | -0.2150% | 6,409 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2636% | 2,916 |
| Assets per employee ($millions) | 3.3692% | 5,215 |
| Cash dividends to net income (ytd only)* | 27.3770% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0155% | 1,488 |
| Loan loss allowance to noncurrent loans | 71.2221% | 4,457 |
| Noncurrent assets plus other real estate owned to assets | 1.8366% | 1,893 |
| Noncurrent loans to loans | 2.8299% | 1,166 |
| Net loans and leases to total assets | 62.3561% | 3,176 |
| Net loans and leases to deposits | 69.9748% | 3,604 |
| Net loans and leases to core deposits | 73.4934% | 3,699 |
| Total domestic deposits to total assets | 89.1122% | 1,585 |
| Equity capital to assets | 9.1590% | 4,927 |
| Core capital (leverage) ratio | 8.9899% | 5,025 |
| Tier 1 risk-based capital ratio | 13.7088% | 4,532 |
| Total risk-based capital ratio | 14.9670% | 4,486 |
| Memoranda: | ||
| Average total assets | $217,079,500 | 2,860 |
| Average earning assets | $200,266,500 | 2,850 |
| Average equity | $19,567,500 | 3,218 |
| Average total loans | $143,249,500 | 2,692 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5617% | 1,994 |
| Cost of funding earning assets | 0.5256% | 3,340 |
| Net interest margin | 4.0361% | 1,849 |
| Noninterest income to average assets | 0.8166% | 2,000 |
| Noninterest expense to average assets | 3.4126% | 1,855 |
| Loan and lease loss provision to assets | 0.0567% | 4,013 |
| Net operating income to assets | 1.0716% | 2,032 |
| Return on assets (ROA) | 1.0734% | 2,107 |
| Pretax return on assets | 1.0734% | 3,054 |
| Return on Equity (ROE) | 12.0985% | 1,386 |
| Retained earnings to average equity (ytd only) | 6.4532% | 1,714 |
| Net charge-offs to loans | 0.1788% | 3,035 |
| Credit loss provision to net charge-offs | 47.7099% | 3,869 |
| Earnings coverage of net charge-offs (x) | 9.4924% | 2,496 |
| Efficiency ratio | 75.1524% | 2,924 |
| Assets per employee ($millions) | 3.3102% | 5,268 |
| Cash dividends to net income (ytd only)* | 46.6610% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8568% | 1,903 |
| Loan loss allowance to noncurrent loans | 63.8765% | 4,721 |
| Noncurrent assets plus other real estate owned to assets | 2.0287% | 1,769 |
| Noncurrent loans to loans | 2.9069% | 1,204 |
| Net loans and leases to total assets | 67.1122% | 2,501 |
| Net loans and leases to deposits | 75.2974% | 3,055 |
| Net loans and leases to core deposits | 79.0358% | 3,235 |
| Total domestic deposits to total assets | 89.1296% | 1,531 |
| Equity capital to assets | 8.8663% | 5,186 |
| Core capital (leverage) ratio | 9.2105% | 4,706 |
| Tier 1 risk-based capital ratio | 12.7973% | 5,116 |
| Total risk-based capital ratio | 14.0541% | 5,058 |
| Memoranda: | ||
| Average total assets | $220,416,200 | 2,806 |
| Average earning assets | $203,389,000 | 2,793 |
| Average equity | $19,556,200 | 3,205 |
| Average total loans | $146,494,000 | 2,611 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5290% | 2,123 |
| Cost of funding earning assets | 0.5394% | 3,367 |
| Net interest margin | 3.9896% | 1,983 |
| Noninterest income to average assets | 0.7661% | 2,294 |
| Noninterest expense to average assets | 3.3560% | 1,927 |
| Loan and lease loss provision to assets | 0.0752% | 3,553 |
| Net operating income to assets | 1.0264% | 2,274 |
| Return on assets (ROA) | 1.0289% | 2,345 |
| Pretax return on assets | 1.0289% | 3,382 |
| Return on Equity (ROE) | 11.5942% | 1,626 |
| Retained earnings to average equity (ytd only) | 7.8740% | 1,467 |
| Net charge-offs to loans | 0.1859% | 2,735 |
| Credit loss provision to net charge-offs | 61.2745% | 3,271 |
| Earnings coverage of net charge-offs (x) | 8.9805% | 2,547 |
| Efficiency ratio | 75.2867% | 2,848 |
| Assets per employee ($millions) | 3.2305% | 5,428 |
| Cash dividends to net income (ytd only)* | 32.0864% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9778% | 1,777 |
| Loan loss allowance to noncurrent loans | 47.8320% | 5,310 |
| Noncurrent assets plus other real estate owned to assets | 2.7409% | 1,369 |
| Noncurrent loans to loans | 4.1350% | 841 |
| Net loans and leases to total assets | 64.8752% | 2,827 |
| Net loans and leases to deposits | 72.9056% | 3,420 |
| Net loans and leases to core deposits | 76.7370% | 3,531 |
| Total domestic deposits to total assets | 88.9852% | 1,560 |
| Equity capital to assets | 9.1035% | 5,055 |
| Core capital (leverage) ratio | 9.1235% | 4,933 |
| Tier 1 risk-based capital ratio | 13.2417% | 4,953 |
| Total risk-based capital ratio | 14.5000% | 4,886 |
| Memoranda: | ||
| Average total assets | $221,729,750 | 2,818 |
| Average earning assets | $205,162,000 | 2,808 |
| Average equity | $19,676,000 | 3,221 |
| Average total loans | $146,334,500 | 2,631 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5412% | 2,054 |
| Cost of funding earning assets | 0.5520% | 3,387 |
| Net interest margin | 3.9892% | 1,900 |
| Noninterest income to average assets | 0.7597% | 2,366 |
| Noninterest expense to average assets | 3.2881% | 2,103 |
| Loan and lease loss provision to assets | 0.1113% | 2,950 |
| Net operating income to assets | 1.0545% | 2,097 |
| Return on assets (ROA) | 1.0554% | 2,211 |
| Pretax return on assets | 1.0554% | 3,275 |
| Return on Equity (ROE) | 11.9911% | 1,494 |
| Retained earnings to average equity (ytd only) | 8.5203% | 1,280 |
| Net charge-offs to loans | 0.5875% | 1,126 |
| Credit loss provision to net charge-offs | 28.7356% | 3,610 |
| Earnings coverage of net charge-offs (x) | 3.0092% | 3,527 |
| Efficiency ratio | 73.8252% | 3,164 |
| Assets per employee ($millions) | 3.3832% | 5,107 |
| Cash dividends to net income (ytd only)* | 28.9451% | 2,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7734% | 2,517 |
| Loan loss allowance to noncurrent loans | 50.5831% | 5,180 |
| Noncurrent assets plus other real estate owned to assets | 2.4801% | 1,713 |
| Noncurrent loans to loans | 3.5059% | 1,214 |
| Net loans and leases to total assets | 65.4610% | 2,685 |
| Net loans and leases to deposits | 73.2859% | 3,252 |
| Net loans and leases to core deposits | 76.6286% | 3,470 |
| Total domestic deposits to total assets | 89.3228% | 1,432 |
| Equity capital to assets | 8.8562% | 5,383 |
| Core capital (leverage) ratio | 8.6411% | 5,498 |
| Tier 1 risk-based capital ratio | 12.8274% | 5,272 |
| Total risk-based capital ratio | 14.0829% | 5,197 |
| Memoranda: | ||
| Average total assets | $224,568,330 | 2,795 |
| Average earning assets | $207,964,000 | 2,772 |
| Average equity | $19,764,670 | 3,228 |
| Average total loans | $148,074,670 | 2,597 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4966% | 2,180 |
| Cost of funding earning assets | 0.5599% | 3,473 |
| Net interest margin | 3.9366% | 1,992 |
| Noninterest income to average assets | 0.7647% | 2,278 |
| Noninterest expense to average assets | 3.1637% | 2,470 |
| Loan and lease loss provision to assets | 0.0437% | 3,871 |
| Net operating income to assets | 1.1987% | 1,530 |
| Return on assets (ROA) | 1.2004% | 1,635 |
| Pretax return on assets | 1.2004% | 2,575 |
| Return on Equity (ROE) | 13.6796% | 1,017 |
| Retained earnings to average equity (ytd only) | 10.2498% | 1,045 |
| Net charge-offs to loans | 0.2081% | 2,170 |
| Credit loss provision to net charge-offs | 32.0513% | 2,860 |
| Earnings coverage of net charge-offs (x) | 9.1026% | 1,883 |
| Efficiency ratio | 71.8030% | 3,652 |
| Assets per employee ($millions) | 3.6393% | 4,701 |
| Cash dividends to net income (ytd only)* | 25.0729% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9563% | 2,155 |
| Loan loss allowance to noncurrent loans | 61.4713% | 4,657 |
| Noncurrent assets plus other real estate owned to assets | 2.1245% | 2,209 |
| Noncurrent loans to loans | 3.1825% | 1,549 |
| Net loans and leases to total assets | 61.5524% | 3,157 |
| Net loans and leases to deposits | 68.8050% | 3,667 |
| Net loans and leases to core deposits | 71.9524% | 3,818 |
| Total domestic deposits to total assets | 89.4591% | 1,381 |
| Equity capital to assets | 8.8072% | 5,703 |
| Core capital (leverage) ratio | 8.3132% | 5,806 |
| Tier 1 risk-based capital ratio | 12.6254% | 5,496 |
| Total risk-based capital ratio | 13.8834% | 5,442 |
| Memoranda: | ||
| Average total assets | $228,589,500 | 2,791 |
| Average earning assets | $211,450,000 | 2,753 |
| Average equity | $20,059,000 | 3,242 |
| Average total loans | $149,962,500 | 2,581 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0256% | 1,490 |
| Cost of funding earning assets | 0.7901% | 2,747 |
| Net interest margin | 4.2355% | 1,557 |
| Noninterest income to average assets | 0.8640% | 1,976 |
| Noninterest expense to average assets | 3.3927% | 2,066 |
| Loan and lease loss provision to assets | 0.3412% | 1,968 |
| Net operating income to assets | 1.0765% | 2,026 |
| Return on assets (ROA) | 1.0737% | 2,228 |
| Pretax return on assets | 1.0737% | 3,261 |
| Return on Equity (ROE) | 12.2531% | 1,431 |
| Retained earnings to average equity (ytd only) | 6.5679% | 1,782 |
| Net charge-offs to loans | 0.4955% | 2,256 |
| Credit loss provision to net charge-offs | 99.6016% | 3,113 |
| Earnings coverage of net charge-offs (x) | 4.1381% | 3,467 |
| Efficiency ratio | 70.5287% | 3,705 |
| Assets per employee ($millions) | 3.8627% | 4,247 |
| Cash dividends to net income (ytd only)* | 46.3983% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8393% | 2,467 |
| Loan loss allowance to noncurrent loans | 70.0268% | 4,258 |
| Noncurrent assets plus other real estate owned to assets | 1.9254% | 2,542 |
| Noncurrent loans to loans | 2.6266% | 2,014 |
| Net loans and leases to total assets | 67.1844% | 2,337 |
| Net loans and leases to deposits | 76.1280% | 2,786 |
| Net loans and leases to core deposits | 80.4479% | 2,948 |
| Total domestic deposits to total assets | 88.2519% | 2,062 |
| Equity capital to assets | 8.7428% | 5,807 |
| Core capital (leverage) ratio | 8.2591% | 5,931 |
| Tier 1 risk-based capital ratio | 11.6271% | 6,017 |
| Total risk-based capital ratio | 12.8843% | 5,975 |
| Memoranda: | ||
| Average total assets | $219,794,400 | 2,842 |
| Average earning assets | $204,791,600 | 2,806 |
| Average equity | $19,260,400 | 3,297 |
| Average total loans | $151,952,800 | 2,544 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0433% | 1,573 |
| Cost of funding earning assets | 0.8283% | 2,718 |
| Net interest margin | 4.2150% | 1,692 |
| Noninterest income to average assets | 0.8296% | 2,124 |
| Noninterest expense to average assets | 3.3968% | 2,009 |
| Loan and lease loss provision to assets | 0.3674% | 1,769 |
| Net operating income to assets | 1.0066% | 2,466 |
| Return on assets (ROA) | 1.0029% | 2,720 |
| Pretax return on assets | 1.0029% | 3,695 |
| Return on Equity (ROE) | 11.4377% | 1,806 |
| Retained earnings to average equity (ytd only) | 8.3304% | 1,479 |
| Net charge-offs to loans | 0.5079% | 2,087 |
| Credit loss provision to net charge-offs | 104.3478% | 2,827 |
| Earnings coverage of net charge-offs (x) | 3.9026% | 3,464 |
| Efficiency ratio | 71.2012% | 3,469 |
| Assets per employee ($millions) | 3.4563% | 5,076 |
| Cash dividends to net income (ytd only)* | 27.1673% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9005% | 2,474 |
| Loan loss allowance to noncurrent loans | 47.5690% | 5,248 |
| Noncurrent assets plus other real estate owned to assets | 3.0095% | 1,738 |
| Noncurrent loans to loans | 3.9953% | 1,281 |
| Net loans and leases to total assets | 69.7580% | 1,958 |
| Net loans and leases to deposits | 80.7488% | 2,281 |
| Net loans and leases to core deposits | 87.3679% | 2,298 |
| Total domestic deposits to total assets | 86.3889% | 3,043 |
| Equity capital to assets | 9.2880% | 5,481 |
| Core capital (leverage) ratio | 8.4666% | 5,798 |
| Tier 1 risk-based capital ratio | 12.0608% | 5,905 |
| Total risk-based capital ratio | 13.3186% | 5,883 |
| Memoranda: | ||
| Average total assets | $217,767,750 | 2,882 |
| Average earning assets | $203,616,500 | 2,835 |
| Average equity | $19,094,250 | 3,342 |
| Average total loans | $150,945,250 | 2,590 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9636% | 1,891 |
| Cost of funding earning assets | 0.8630% | 2,706 |
| Net interest margin | 4.1005% | 2,095 |
| Noninterest income to average assets | 0.7473% | 2,427 |
| Noninterest expense to average assets | 3.3180% | 2,260 |
| Loan and lease loss provision to assets | 0.3654% | 1,804 |
| Net operating income to assets | 0.9071% | 2,878 |
| Return on assets (ROA) | 0.9008% | 3,174 |
| Pretax return on assets | 0.8989% | 4,082 |
| Return on Equity (ROE) | 10.4756% | 2,183 |
| Retained earnings to average equity (ytd only) | 7.9683% | 1,649 |
| Net charge-offs to loans | 0.3429% | 2,644 |
| Credit loss provision to net charge-offs | 155.0388% | 1,788 |
| Earnings coverage of net charge-offs (x) | 5.3915% | 2,851 |
| Efficiency ratio | 72.3074% | 3,375 |
| Assets per employee ($millions) | 3.5496% | 4,873 |
| Cash dividends to net income (ytd only)* | 23.9351% | 2,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9706% | 2,309 |
| Loan loss allowance to noncurrent loans | 48.6757% | 5,186 |
| Noncurrent assets plus other real estate owned to assets | 2.9467% | 1,871 |
| Noncurrent loans to loans | 4.0484% | 1,354 |
| Net loans and leases to total assets | 68.1286% | 2,272 |
| Net loans and leases to deposits | 78.6859% | 2,564 |
| Net loans and leases to core deposits | 84.5715% | 2,615 |
| Total domestic deposits to total assets | 86.5829% | 3,019 |
| Equity capital to assets | 8.7873% | 5,927 |
| Core capital (leverage) ratio | 8.1783% | 6,072 |
| Tier 1 risk-based capital ratio | 11.6312% | 6,155 |
| Total risk-based capital ratio | 12.8898% | 6,129 |
| Memoranda: | ||
| Average total assets | $218,927,670 | 2,882 |
| Average earning assets | $205,095,000 | 2,820 |
| Average equity | $18,824,670 | 3,375 |
| Average total loans | $150,467,330 | 2,609 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9387% | 2,092 |
| Cost of funding earning assets | 0.9060% | 2,642 |
| Net interest margin | 4.0328% | 2,361 |
| Noninterest income to average assets | 0.7749% | 2,277 |
| Noninterest expense to average assets | 3.2608% | 2,412 |
| Loan and lease loss provision to assets | 0.4580% | 1,349 |
| Net operating income to assets | 0.8335% | 3,226 |
| Return on assets (ROA) | 0.8225% | 3,514 |
| Pretax return on assets | 0.8207% | 4,339 |
| Return on Equity (ROE) | 9.6728% | 2,525 |
| Retained earnings to average equity (ytd only) | 7.1523% | 2,351 |
| Net charge-offs to loans | 0.5897% | 1,619 |
| Credit loss provision to net charge-offs | 113.6364% | 2,080 |
| Earnings coverage of net charge-offs (x) | 3.2000% | 2,922 |
| Efficiency ratio | 71.6586% | 3,506 |
| Assets per employee ($millions) | 3.5689% | 4,958 |
| Cash dividends to net income (ytd only)* | 26.0579% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9703% | 2,447 |
| Loan loss allowance to noncurrent loans | 47.3332% | 5,233 |
| Noncurrent assets plus other real estate owned to assets | 2.9263% | 1,974 |
| Noncurrent loans to loans | 4.1625% | 1,452 |
| Net loans and leases to total assets | 65.2545% | 2,610 |
| Net loans and leases to deposits | 74.5217% | 3,038 |
| Net loans and leases to core deposits | 80.1955% | 3,052 |
| Total domestic deposits to total assets | 87.5645% | 2,613 |
| Equity capital to assets | 8.4883% | 6,093 |
| Core capital (leverage) ratio | 7.8967% | 6,337 |
| Tier 1 risk-based capital ratio | 11.8196% | 6,072 |
| Total risk-based capital ratio | 13.0785% | 6,050 |
| Memoranda: | ||
| Average total assets | $218,352,500 | 2,912 |
| Average earning assets | $204,425,500 | 2,842 |
| Average equity | $18,567,500 | 3,413 |
| Average total loans | $149,226,000 | 2,646 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3383% | 1,601 |
| Cost of funding earning assets | 1.1424% | 2,398 |
| Net interest margin | 4.1959% | 2,076 |
| Noninterest income to average assets | 0.6546% | 2,863 |
| Noninterest expense to average assets | 3.5365% | 1,897 |
| Loan and lease loss provision to assets | 0.4313% | 2,444 |
| Net operating income to assets | 0.5996% | 4,001 |
| Return on assets (ROA) | 0.6043% | 4,170 |
| Pretax return on assets | 0.6061% | 4,673 |
| Return on Equity (ROE) | 7.5083% | 3,146 |
| Retained earnings to average equity (ytd only) | 4.4610% | 2,997 |
| Net charge-offs to loans | 0.6947% | 2,417 |
| Credit loss provision to net charge-offs | 88.6865% | 4,071 |
| Earnings coverage of net charge-offs (x) | 2.1237% | 4,190 |
| Efficiency ratio | 77.3980% | 2,680 |
| Assets per employee ($millions) | 3.4748% | 5,082 |
| Cash dividends to net income (ytd only)* | 40.5864% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8999% | 2,570 |
| Loan loss allowance to noncurrent loans | 67.6242% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 2.1398% | 2,800 |
| Noncurrent loans to loans | 2.8096% | 2,333 |
| Net loans and leases to total assets | 68.8325% | 2,243 |
| Net loans and leases to deposits | 78.7516% | 2,719 |
| Net loans and leases to core deposits | 84.0265% | 2,887 |
| Total domestic deposits to total assets | 87.4046% | 2,524 |
| Equity capital to assets | 8.5190% | 6,123 |
| Core capital (leverage) ratio | 8.2057% | 5,988 |
| Tier 1 risk-based capital ratio | 11.5948% | 6,101 |
| Total risk-based capital ratio | 12.8530% | 6,077 |
| Memoranda: | ||
| Average total assets | $214,476,800 | 2,899 |
| Average earning assets | $200,100,400 | 2,852 |
| Average equity | $17,260,800 | 3,540 |
| Average total loans | $150,141,200 | 2,641 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3923% | 1,538 |
| Cost of funding earning assets | 1.1999% | 2,315 |
| Net interest margin | 4.1925% | 2,132 |
| Noninterest income to average assets | 0.6279% | 3,008 |
| Noninterest expense to average assets | 3.5517% | 1,807 |
| Loan and lease loss provision to assets | 0.4668% | 2,117 |
| Net operating income to assets | 0.5147% | 4,476 |
| Return on assets (ROA) | 0.5209% | 4,639 |
| Pretax return on assets | 0.5234% | 5,066 |
| Return on Equity (ROE) | 6.5693% | 3,732 |
| Retained earnings to average equity (ytd only) | 4.2069% | 3,738 |
| Net charge-offs to loans | 0.5995% | 2,463 |
| Credit loss provision to net charge-offs | 111.2760% | 2,950 |
| Earnings coverage of net charge-offs (x) | 2.3457% | 3,953 |
| Efficiency ratio | 78.3068% | 2,505 |
| Assets per employee ($millions) | 3.1420% | 5,808 |
| Cash dividends to net income (ytd only)* | 35.9615% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0737% | 2,134 |
| Loan loss allowance to noncurrent loans | 58.7502% | 4,527 |
| Noncurrent assets plus other real estate owned to assets | 2.6933% | 2,407 |
| Noncurrent loans to loans | 3.5297% | 1,948 |
| Net loans and leases to total assets | 69.7965% | 2,115 |
| Net loans and leases to deposits | 81.6211% | 2,428 |
| Net loans and leases to core deposits | 88.4641% | 2,428 |
| Total domestic deposits to total assets | 85.5129% | 3,486 |
| Equity capital to assets | 8.6705% | 6,117 |
| Core capital (leverage) ratio | 8.1346% | 6,238 |
| Tier 1 risk-based capital ratio | 10.7088% | 6,704 |
| Total risk-based capital ratio | 11.9673% | 6,682 |
| Memoranda: | ||
| Average total assets | $214,237,000 | 2,909 |
| Average earning assets | $199,686,500 | 2,864 |
| Average equity | $16,987,750 | 3,587 |
| Average total loans | $149,886,000 | 2,662 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3315% | 1,783 |
| Cost of funding earning assets | 1.2514% | 2,240 |
| Net interest margin | 4.0801% | 2,486 |
| Noninterest income to average assets | 0.6059% | 3,094 |
| Noninterest expense to average assets | 3.4823% | 2,028 |
| Loan and lease loss provision to assets | 0.4849% | 2,036 |
| Net operating income to assets | 0.4388% | 4,774 |
| Return on assets (ROA) | 0.4452% | 4,882 |
| Pretax return on assets | 0.4489% | 5,235 |
| Return on Equity (ROE) | 5.7874% | 4,067 |
| Retained earnings to average equity (ytd only) | 3.5060% | 4,022 |
| Net charge-offs to loans | 0.6083% | 2,306 |
| Credit loss provision to net charge-offs | 114.6288% | 2,672 |
| Earnings coverage of net charge-offs (x) | 2.1921% | 3,742 |
| Efficiency ratio | 78.9694% | 2,562 |
| Assets per employee ($millions) | 3.2542% | 5,515 |
| Cash dividends to net income (ytd only)* | 39.4191% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0809% | 2,164 |
| Loan loss allowance to noncurrent loans | 60.2524% | 4,439 |
| Noncurrent assets plus other real estate owned to assets | 2.6509% | 2,518 |
| Noncurrent loans to loans | 3.4537% | 2,050 |
| Net loans and leases to total assets | 69.0461% | 2,403 |
| Net loans and leases to deposits | 78.5431% | 3,033 |
| Net loans and leases to core deposits | 85.8638% | 2,929 |
| Total domestic deposits to total assets | 87.9085% | 2,200 |
| Equity capital to assets | 8.2911% | 6,434 |
| Core capital (leverage) ratio | 7.7979% | 6,513 |
| Tier 1 risk-based capital ratio | 10.8072% | 6,656 |
| Total risk-based capital ratio | 12.0661% | 6,622 |
| Memoranda: | ||
| Average total assets | $216,526,000 | 2,894 |
| Average earning assets | $201,857,670 | 2,851 |
| Average equity | $16,657,000 | 3,629 |
| Average total loans | $150,580,670 | 2,674 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2513% | 2,045 |
| Cost of funding earning assets | 1.3177% | 2,082 |
| Net interest margin | 3.9336% | 2,984 |
| Noninterest income to average assets | 0.6127% | 3,079 |
| Noninterest expense to average assets | 3.4353% | 2,182 |
| Loan and lease loss provision to assets | 0.5438% | 1,593 |
| Net operating income to assets | 0.2973% | 5,421 |
| Return on assets (ROA) | 0.2864% | 5,547 |
| Pretax return on assets | 0.2864% | 5,698 |
| Return on Equity (ROE) | 3.8651% | 4,969 |
| Retained earnings to average equity (ytd only) | 1.8347% | 5,013 |
| Net charge-offs to loans | 0.7137% | 1,787 |
| Credit loss provision to net charge-offs | 110.2941% | 2,423 |
| Earnings coverage of net charge-offs (x) | 1.7059% | 3,459 |
| Efficiency ratio | 80.3306% | 2,470 |
| Assets per employee ($millions) | 3.5966% | 4,759 |
| Cash dividends to net income (ytd only)* | 52.5316% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0128% | 2,380 |
| Loan loss allowance to noncurrent loans | 57.8634% | 4,534 |
| Noncurrent assets plus other real estate owned to assets | 2.6037% | 2,635 |
| Noncurrent loans to loans | 3.4786% | 2,143 |
| Net loans and leases to total assets | 65.8662% | 3,050 |
| Net loans and leases to deposits | 76.6997% | 3,300 |
| Net loans and leases to core deposits | 83.5878% | 3,223 |
| Total domestic deposits to total assets | 85.8754% | 3,596 |
| Equity capital to assets | 7.4394% | 6,900 |
| Core capital (leverage) ratio | 7.3904% | 6,799 |
| Tier 1 risk-based capital ratio | 10.4734% | 6,823 |
| Total risk-based capital ratio | 11.7320% | 6,804 |
| Memoranda: | ||
| Average total assets | $220,653,500 | 2,871 |
| Average earning assets | $205,511,000 | 2,832 |
| Average equity | $16,351,500 | 3,665 |
| Average total loans | $152,441,500 | 2,676 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7764% | 1,342 |
| Cost of funding earning assets | 1.6652% | 1,752 |
| Net interest margin | 4.1112% | 2,518 |
| Noninterest income to average assets | 0.6687% | 3,027 |
| Noninterest expense to average assets | 3.4475% | 2,316 |
| Loan and lease loss provision to assets | 0.7294% | 2,250 |
| Net operating income to assets | 0.2927% | 4,959 |
| Return on assets (ROA) | 0.2955% | 5,116 |
| Pretax return on assets | 0.2983% | 5,234 |
| Return on Equity (ROE) | 3.8204% | 4,603 |
| Retained earnings to average equity (ytd only) | 0.6509% | 5,250 |
| Net charge-offs to loans | 0.5397% | 3,455 |
| Credit loss provision to net charge-offs | 182.9988% | 1,802 |
| Earnings coverage of net charge-offs (x) | 2.5714% | 3,824 |
| Efficiency ratio | 77.0833% | 2,858 |
| Assets per employee ($millions) | 3.4113% | 5,147 |
| Cash dividends to net income (ytd only)* | 82.9618% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9285% | 2,473 |
| Loan loss allowance to noncurrent loans | 52.0732% | 4,885 |
| Noncurrent assets plus other real estate owned to assets | 2.7052% | 2,575 |
| Noncurrent loans to loans | 3.7034% | 2,006 |
| Net loans and leases to total assets | 69.6244% | 2,628 |
| Net loans and leases to deposits | 81.5358% | 2,901 |
| Net loans and leases to core deposits | 89.0214% | 2,895 |
| Total domestic deposits to total assets | 85.3912% | 3,667 |
| Equity capital to assets | 7.3809% | 6,952 |
| Core capital (leverage) ratio | 7.5867% | 6,630 |
| Tier 1 risk-based capital ratio | 10.1112% | 6,931 |
| Total risk-based capital ratio | 11.3690% | 6,904 |
| Memoranda: | ||
| Average total assets | $212,504,000 | 2,955 |
| Average earning assets | $196,610,000 | 2,923 |
| Average equity | $16,438,000 | 3,680 |
| Average total loans | $156,935,800 | 2,655 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8444% | 1,271 |
| Cost of funding earning assets | 1.7418% | 1,661 |
| Net interest margin | 4.1025% | 2,610 |
| Noninterest income to average assets | 0.6299% | 3,256 |
| Noninterest expense to average assets | 3.4626% | 2,132 |
| Loan and lease loss provision to assets | 0.8844% | 1,722 |
| Net operating income to assets | 0.0689% | 5,842 |
| Return on assets (ROA) | 0.0701% | 5,980 |
| Pretax return on assets | 0.0739% | 5,964 |
| Return on Equity (ROE) | 0.8959% | 5,920 |
| Retained earnings to average equity (ytd only) | -2.6635% | 6,309 |
| Net charge-offs to loans | 0.3600% | 3,861 |
| Credit loss provision to net charge-offs | 329.4118% | 966 |
| Earnings coverage of net charge-offs (x) | 3.5647% | 3,398 |
| Efficiency ratio | 78.3448% | 2,581 |
| Assets per employee ($millions) | 3.1407% | 5,829 |
| Cash dividends to net income (ytd only)* | 397.2905% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0770% | 2,054 |
| Loan loss allowance to noncurrent loans | 124.3707% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 1.4767% | 4,238 |
| Noncurrent loans to loans | 1.6700% | 4,142 |
| Net loans and leases to total assets | 74.1703% | 1,766 |
| Net loans and leases to deposits | 88.3947% | 1,953 |
| Net loans and leases to core deposits | 95.8970% | 2,273 |
| Total domestic deposits to total assets | 83.9081% | 4,182 |
| Equity capital to assets | 7.8853% | 6,879 |
| Core capital (leverage) ratio | 7.4766% | 6,860 |
| Tier 1 risk-based capital ratio | 9.9347% | 7,097 |
| Total risk-based capital ratio | 11.1947% | 7,083 |
| Memoranda: | ||
| Average total assets | $211,050,000 | 3,024 |
| Average earning assets | $194,963,750 | 2,981 |
| Average equity | $16,519,000 | 3,722 |
| Average total loans | $157,421,500 | 2,693 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8131% | 1,393 |
| Cost of funding earning assets | 1.7813% | 1,714 |
| Net interest margin | 4.0317% | 2,868 |
| Noninterest income to average assets | 0.6057% | 3,298 |
| Noninterest expense to average assets | 3.4403% | 2,165 |
| Loan and lease loss provision to assets | 0.3297% | 3,763 |
| Net operating income to assets | 0.5464% | 4,114 |
| Return on assets (ROA) | 0.5483% | 4,242 |
| Pretax return on assets | 0.5539% | 4,725 |
| Return on Equity (ROE) | 7.0218% | 3,292 |
| Retained earnings to average equity (ytd only) | 3.5712% | 3,828 |
| Net charge-offs to loans | 0.2209% | 4,277 |
| Credit loss provision to net charge-offs | 201.1494% | 1,945 |
| Earnings coverage of net charge-offs (x) | 5.3793% | 2,679 |
| Efficiency ratio | 79.5990% | 2,494 |
| Assets per employee ($millions) | 3.3287% | 5,364 |
| Cash dividends to net income (ytd only)* | 49.1409% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5486% | 3,676 |
| Loan loss allowance to noncurrent loans | 107.9825% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 1.3352% | 4,483 |
| Noncurrent loans to loans | 1.4342% | 4,560 |
| Net loans and leases to total assets | 74.6346% | 1,781 |
| Net loans and leases to deposits | 89.3117% | 1,961 |
| Net loans and leases to core deposits | 96.6130% | 2,376 |
| Total domestic deposits to total assets | 83.5664% | 4,305 |
| Equity capital to assets | 8.0940% | 6,660 |
| Core capital (leverage) ratio | 7.7191% | 6,588 |
| Tier 1 risk-based capital ratio | 10.3148% | 6,825 |
| Total risk-based capital ratio | 11.5685% | 6,805 |
| Memoranda: | ||
| Average total assets | $212,305,000 | 3,029 |
| Average earning assets | $195,696,670 | 3,002 |
| Average equity | $16,577,000 | 3,707 |
| Average total loans | $157,560,330 | 2,729 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7692% | 1,559 |
| Cost of funding earning assets | 1.7952% | 1,897 |
| Net interest margin | 3.9740% | 2,979 |
| Noninterest income to average assets | 0.5824% | 3,397 |
| Noninterest expense to average assets | 3.4063% | 2,216 |
| Loan and lease loss provision to assets | 0.3745% | 3,124 |
| Net operating income to assets | 0.4382% | 4,675 |
| Return on assets (ROA) | 0.4401% | 4,789 |
| Pretax return on assets | 0.4513% | 5,129 |
| Return on Equity (ROE) | 5.7392% | 3,996 |
| Retained earnings to average equity (ytd only) | 2.4911% | 4,643 |
| Net charge-offs to loans | 0.2168% | 3,624 |
| Credit loss provision to net charge-offs | 235.2941% | 1,627 |
| Earnings coverage of net charge-offs (x) | 5.1765% | 2,448 |
| Efficiency ratio | 80.5224% | 2,486 |
| Assets per employee ($millions) | 3.2168% | 5,732 |
| Cash dividends to net income (ytd only)* | 56.5957% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5472% | 3,672 |
| Loan loss allowance to noncurrent loans | 121.2014% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 1.1818% | 4,814 |
| Noncurrent loans to loans | 1.2765% | 4,847 |
| Net loans and leases to total assets | 71.9641% | 2,458 |
| Net loans and leases to deposits | 86.1716% | 2,553 |
| Net loans and leases to core deposits | 94.3210% | 2,800 |
| Total domestic deposits to total assets | 83.5125% | 4,376 |
| Equity capital to assets | 7.7586% | 6,879 |
| Core capital (leverage) ratio | 7.6305% | 6,702 |
| Tier 1 risk-based capital ratio | 10.2687% | 6,823 |
| Total risk-based capital ratio | 11.5223% | 6,819 |
| Memoranda: | ||
| Average total assets | $213,602,000 | 3,061 |
| Average earning assets | $196,076,500 | 3,044 |
| Average equity | $16,378,500 | 3,767 |
| Average total loans | $156,851,000 | 2,798 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9984% | 1,874 |
| Cost of funding earning assets | 2.0961% | 2,478 |
| Net interest margin | 3.9023% | 3,259 |
| Noninterest income to average assets | 0.7376% | 2,749 |
| Noninterest expense to average assets | 3.5684% | 2,225 |
| Loan and lease loss provision to assets | 0.4085% | 4,361 |
| Net operating income to assets | 0.3460% | 4,341 |
| Return on assets (ROA) | 0.3460% | 4,433 |
| Pretax return on assets | 0.3488% | 4,646 |
| Return on Equity (ROE) | 4.4124% | 3,922 |
| Retained earnings to average equity (ytd only) | 0.4436% | 4,656 |
| Net charge-offs to loans | 0.5445% | 3,612 |
| Credit loss provision to net charge-offs | 99.0878% | 5,629 |
| Earnings coverage of net charge-offs (x) | 1.8369% | 4,348 |
| Efficiency ratio | 82.4929% | 2,548 |
| Assets per employee ($millions) | 3.3061% | 5,477 |
| Cash dividends to net income (ytd only)* | 89.9457% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4421% | 4,023 |
| Loan loss allowance to noncurrent loans | 71.3261% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 1.7655% | 3,727 |
| Noncurrent loans to loans | 2.0219% | 3,621 |
| Net loans and leases to total assets | 72.7001% | 2,582 |
| Net loans and leases to deposits | 87.2214% | 2,698 |
| Net loans and leases to core deposits | 110.0629% | 2,887 |
| Total domestic deposits to total assets | 83.3512% | 4,362 |
| Equity capital to assets | 7.5780% | 6,962 |
| Core capital (leverage) ratio | 7.6998% | 6,556 |
| Tier 1 risk-based capital ratio | 9.8990% | 6,956 |
| Total risk-based capital ratio | 11.1511% | 6,929 |
| Memoranda: | ||
| Average total assets | $212,730,600 | 3,033 |
| Average earning assets | $195,602,400 | 3,023 |
| Average equity | $16,680,400 | 3,739 |
| Average total loans | $161,071,600 | 2,743 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0379% | 1,888 |
| Cost of funding earning assets | 2.1498% | 2,649 |
| Net interest margin | 3.8882% | 3,275 |
| Noninterest income to average assets | 0.7283% | 2,836 |
| Noninterest expense to average assets | 3.5056% | 2,271 |
| Loan and lease loss provision to assets | 0.2608% | 4,868 |
| Net operating income to assets | 0.5397% | 3,832 |
| Return on assets (ROA) | 0.5385% | 3,919 |
| Pretax return on assets | 0.5416% | 4,399 |
| Return on Equity (ROE) | 6.8098% | 3,158 |
| Retained earnings to average equity (ytd only) | 1.7323% | 4,343 |
| Net charge-offs to loans | 0.5425% | 3,056 |
| Credit loss provision to net charge-offs | 63.0699% | 6,121 |
| Earnings coverage of net charge-offs (x) | 1.9438% | 4,359 |
| Efficiency ratio | 81.3502% | 2,668 |
| Assets per employee ($millions) | 3.1474% | 5,785 |
| Cash dividends to net income (ytd only)* | 74.5624% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3011% | 4,492 |
| Loan loss allowance to noncurrent loans | 84.2992% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 1.6522% | 3,889 |
| Noncurrent loans to loans | 1.5434% | 4,328 |
| Net loans and leases to total assets | 74.9004% | 2,265 |
| Net loans and leases to deposits | 93.2017% | 2,025 |
| Net loans and leases to core deposits | 115.3143% | 2,688 |
| Total domestic deposits to total assets | 80.3637% | 5,305 |
| Equity capital to assets | 8.0389% | 6,815 |
| Core capital (leverage) ratio | 7.7118% | 6,716 |
| Tier 1 risk-based capital ratio | 10.1655% | 6,818 |
| Total risk-based capital ratio | 11.4159% | 6,757 |
| Memoranda: | ||
| Average total assets | $212,188,750 | 3,063 |
| Average earning assets | $195,426,250 | 3,049 |
| Average equity | $16,779,250 | 3,752 |
| Average total loans | $161,710,250 | 2,762 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0429% | 2,004 |
| Cost of funding earning assets | 2.1840% | 2,865 |
| Net interest margin | 3.8589% | 3,298 |
| Noninterest income to average assets | 0.8022% | 2,397 |
| Noninterest expense to average assets | 3.5212% | 2,278 |
| Loan and lease loss provision to assets | 0.1966% | 5,095 |
| Net operating income to assets | 0.6271% | 3,558 |
| Return on assets (ROA) | 0.6262% | 3,670 |
| Pretax return on assets | 0.6309% | 4,230 |
| Return on Equity (ROE) | 7.9614% | 2,790 |
| Retained earnings to average equity (ytd only) | 2.2373% | 4,091 |
| Net charge-offs to loans | 0.5004% | 2,830 |
| Credit loss provision to net charge-offs | 51.4706% | 5,747 |
| Earnings coverage of net charge-offs (x) | 2.1691% | 3,986 |
| Efficiency ratio | 80.9555% | 2,893 |
| Assets per employee ($millions) | 3.1307% | 5,778 |
| Cash dividends to net income (ytd only)* | 71.8984% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3243% | 4,132 |
| Loan loss allowance to noncurrent loans | 91.1701% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 1.1127% | 4,730 |
| Noncurrent loans to loans | 1.4525% | 4,315 |
| Net loans and leases to total assets | 74.4583% | 2,581 |
| Net loans and leases to deposits | 90.7691% | 2,703 |
| Net loans and leases to core deposits | 110.4690% | 3,331 |
| Total domestic deposits to total assets | 82.0305% | 4,686 |
| Equity capital to assets | 7.8806% | 6,883 |
| Core capital (leverage) ratio | 7.6029% | 6,898 |
| Tier 1 risk-based capital ratio | 10.1942% | 6,723 |
| Total risk-based capital ratio | 11.4449% | 6,648 |
| Memoranda: | ||
| Average total assets | $213,675,670 | 3,060 |
| Average earning assets | $196,428,670 | 3,050 |
| Average equity | $16,806,000 | 3,751 |
| Average total loans | $163,067,000 | 2,766 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9953% | 2,391 |
| Cost of funding earning assets | 2.1988% | 3,172 |
| Net interest margin | 3.7965% | 3,454 |
| Noninterest income to average assets | 0.8069% | 2,290 |
| Noninterest expense to average assets | 3.3946% | 2,375 |
| Loan and lease loss provision to assets | 0.1948% | 4,491 |
| Net operating income to assets | 0.6993% | 3,563 |
| Return on assets (ROA) | 0.7012% | 3,744 |
| Pretax return on assets | 0.7105% | 4,400 |
| Return on Equity (ROE) | 8.9235% | 2,752 |
| Retained earnings to average equity (ytd only) | 4.2965% | 3,519 |
| Net charge-offs to loans | 0.1450% | 3,803 |
| Credit loss provision to net charge-offs | 175.0000% | 2,462 |
| Earnings coverage of net charge-offs (x) | 8.1167% | 2,236 |
| Efficiency ratio | 78.9814% | 3,005 |
| Assets per employee ($millions) | 3.2540% | 5,441 |
| Cash dividends to net income (ytd only)* | 51.8519% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4411% | 3,284 |
| Loan loss allowance to noncurrent loans | 67.9547% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 1.6190% | 3,490 |
| Noncurrent loans to loans | 2.1207% | 3,088 |
| Net loans and leases to total assets | 74.4832% | 2,620 |
| Net loans and leases to deposits | 91.6525% | 2,659 |
| Net loans and leases to core deposits | 111.1263% | 3,296 |
| Total domestic deposits to total assets | 81.2669% | 4,855 |
| Equity capital to assets | 7.9278% | 6,922 |
| Core capital (leverage) ratio | 7.7474% | 6,823 |
| Tier 1 risk-based capital ratio | 10.1240% | 6,784 |
| Total risk-based capital ratio | 11.3761% | 6,697 |
| Memoranda: | ||
| Average total assets | $215,636,000 | 3,045 |
| Average earning assets | $198,288,500 | 3,039 |
| Average equity | $16,944,000 | 3,740 |
| Average total loans | $165,462,500 | 2,763 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6161% | 2,407 |
| Cost of funding earning assets | 2.6471% | 3,452 |
| Net interest margin | 3.9690% | 3,275 |
| Noninterest income to average assets | 0.6558% | 3,429 |
| Noninterest expense to average assets | 3.4812% | 2,451 |
| Loan and lease loss provision to assets | 0.1299% | 5,710 |
| Net operating income to assets | 0.6568% | 4,078 |
| Return on assets (ROA) | 0.6573% | 3,922 |
| Pretax return on assets | 0.6597% | 4,518 |
| Return on Equity (ROE) | 8.4301% | 2,876 |
| Retained earnings to average equity (ytd only) | 2.3636% | 3,731 |
| Net charge-offs to loans | 0.0932% | 5,400 |
| Credit loss provision to net charge-offs | 173.0769% | 2,944 |
| Earnings coverage of net charge-offs (x) | 10.5128% | 2,504 |
| Efficiency ratio | 81.5211% | 2,370 |
| Assets per employee ($millions) | 3.1839% | 5,530 |
| Cash dividends to net income (ytd only)* | 71.9619% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3604% | 3,420 |
| Loan loss allowance to noncurrent loans | 65.0227% | 4,760 |
| Noncurrent assets plus other real estate owned to assets | 1.6457% | 2,956 |
| Noncurrent loans to loans | 2.0922% | 2,640 |
| Net loans and leases to total assets | 76.8235% | 2,421 |
| Net loans and leases to deposits | 94.2395% | 2,721 |
| Net loans and leases to core deposits | 113.4159% | 3,405 |
| Total domestic deposits to total assets | 81.5194% | 4,399 |
| Equity capital to assets | 7.7882% | 7,110 |
| Core capital (leverage) ratio | 7.7435% | 6,873 |
| Tier 1 risk-based capital ratio | 9.6960% | 7,087 |
| Total risk-based capital ratio | 10.9475% | 6,991 |
| Memoranda: | ||
| Average total assets | $207,832,000 | 3,034 |
| Average earning assets | $189,265,800 | 3,053 |
| Average equity | $16,203,800 | 3,885 |
| Average total loans | $167,356,600 | 2,661 |