Home > Tri-County Bank & Trust Company > Performance and Condition Ratios
Tri-County Bank & Trust Company, Performance and Condition Ratios
| 2025-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 300 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8775% | 3,374 |
| Cost of funding earning assets | 2.2507% | 1,276 |
| Net interest margin | 2.6268% | 3,951 |
| Noninterest income to average assets | 0.3200% | 2,811 |
| Noninterest expense to average assets | 2.3964% | 2,589 |
| Loan and lease loss provision to assets | 0.0600% | 2,041 |
| Net operating income to assets | 0.3842% | 3,808 |
| Return on assets (ROA) | 0.0816% | 4,138 |
| Pretax return on assets | 0.0388% | 4,162 |
| Return on Equity (ROE) | 1.1100% | 4,103 |
| Retained earnings to average equity (ytd only) | 1.1060% | 3,643 |
| Net charge-offs to loans | 0.0000% | 2,748 |
| Credit loss provision to net charge-offs | 0.0000% | 2,216 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,669 |
| Efficiency ratio | 85.6379% | 531 |
| Assets per employee ($millions) | 7.6801% | 1,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3781% | 1,323 |
| Loan loss allowance to noncurrent loans | 328.9323% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 0.2908% | 2,204 |
| Noncurrent loans to loans | 0.4190% | 2,133 |
| Net loans and leases to total assets | 68.4500% | 2,103 |
| Net loans and leases to deposits | 83.1413% | 1,886 |
| Net loans and leases to core deposits | 91.6505% | 2,050 |
| Total domestic deposits to total assets | 82.3300% | 3,151 |
| Equity capital to assets | 7.3700% | 3,877 |
| Core capital (leverage) ratio | 9.5265% | 3,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,709 |
| Memoranda: | ||
| Average total assets | $294,108,333 | 2,494 |
| Average earning assets | $277,604,000 | 2,475 |
| Average equity | $21,699,667 | 2,908 |
| Average total loans | $213,189,333 | 2,306 |
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8768% | 3,321 |
| Cost of funding earning assets | 2.2609% | 1,291 |
| Net interest margin | 2.6159% | 3,933 |
| Noninterest income to average assets | 0.3100% | 2,795 |
| Noninterest expense to average assets | 2.3651% | 2,666 |
| Loan and lease loss provision to assets | 0.0800% | 1,535 |
| Net operating income to assets | 0.3034% | 3,855 |
| Return on assets (ROA) | 0.3034% | 3,881 |
| Pretax return on assets | 0.3349% | 3,901 |
| Return on Equity (ROE) | 4.1100% | 3,710 |
| Retained earnings to average equity (ytd only) | 4.1093% | 2,835 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 85.0025% | 693 |
| Assets per employee ($millions) | 7.0962% | 2,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3232% | 1,602 |
| Loan loss allowance to noncurrent loans | 412.0640% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.2365% | 2,346 |
| Noncurrent loans to loans | 0.3211% | 2,349 |
| Net loans and leases to total assets | 72.6700% | 1,508 |
| Net loans and leases to deposits | 88.7886% | 1,226 |
| Net loans and leases to core deposits | 97.5814% | 1,522 |
| Total domestic deposits to total assets | 81.8400% | 3,339 |
| Equity capital to assets | 7.5468% | 3,827 |
| Core capital (leverage) ratio | 9.5248% | 3,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $291,400,500 | 2,519 |
| Average earning assets | $274,933,500 | 2,500 |
| Average equity | $21,512,000 | 2,921 |
| Average total loans | $215,839,500 | 2,308 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9321% | 3,211 |
| Cost of funding earning assets | 2.3701% | 1,418 |
| Net interest margin | 2.5621% | 3,829 |
| Noninterest income to average assets | 0.3300% | 2,878 |
| Noninterest expense to average assets | 2.3391% | 2,756 |
| Loan and lease loss provision to assets | 0.1000% | 1,394 |
| Net operating income to assets | 0.2685% | 3,886 |
| Return on assets (ROA) | 0.2685% | 3,917 |
| Pretax return on assets | 0.3112% | 3,916 |
| Return on Equity (ROE) | 3.8300% | 3,726 |
| Retained earnings to average equity (ytd only) | 2.8900% | 3,089 |
| Net charge-offs to loans | -0.0027% | 3,819 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 85.0473% | 733 |
| Assets per employee ($millions) | 7.4835% | 1,852 |
| Cash dividends to net income (ytd only)* | 24.4720% | 2,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2896% | 1,718 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 73.5400% | 1,467 |
| Net loans and leases to deposits | 91.6741% | 1,066 |
| Net loans and leases to core deposits | 98.4974% | 1,549 |
| Total domestic deposits to total assets | 80.2200% | 3,538 |
| Equity capital to assets | 7.2183% | 3,879 |
| Core capital (leverage) ratio | 9.1677% | 3,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $299,816,600 | 2,462 |
| Average earning assets | $283,284,600 | 2,432 |
| Average equity | $21,038,400 | 2,897 |
| Average total loans | $219,454,000 | 2,245 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8645% | 3,264 |
| Cost of funding earning assets | 2.3474% | 1,444 |
| Net interest margin | 2.5171% | 3,868 |
| Noninterest income to average assets | 0.3300% | 2,850 |
| Noninterest expense to average assets | 2.3736% | 2,597 |
| Loan and lease loss provision to assets | 0.1100% | 1,157 |
| Net operating income to assets | 0.2302% | 3,959 |
| Return on assets (ROA) | 0.2302% | 3,990 |
| Pretax return on assets | 0.2266% | 4,037 |
| Return on Equity (ROE) | 3.3000% | 3,839 |
| Retained earnings to average equity (ytd only) | 2.6753% | 3,276 |
| Net charge-offs to loans | -0.0042% | 3,826 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 87.4939% | 639 |
| Assets per employee ($millions) | 7.4173% | 1,857 |
| Cash dividends to net income (ytd only)* | 19.0019% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2464% | 1,963 |
| Loan loss allowance to noncurrent loans | 2,486.4865% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.0356% | 3,489 |
| Noncurrent loans to loans | 0.0501% | 3,447 |
| Net loans and leases to total assets | 70.2000% | 1,826 |
| Net loans and leases to deposits | 88.5737% | 1,378 |
| Net loans and leases to core deposits | 100.0723% | 1,474 |
| Total domestic deposits to total assets | 79.2500% | 3,578 |
| Equity capital to assets | 7.1381% | 4,096 |
| Core capital (leverage) ratio | 8.9824% | 3,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $301,807,000 | 2,450 |
| Average earning assets | $285,352,250 | 2,424 |
| Average equity | $21,031,250 | 2,899 |
| Average total loans | $219,961,000 | 2,235 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8289% | 3,229 |
| Cost of funding earning assets | 2.2978% | 1,443 |
| Net interest margin | 2.5311% | 3,837 |
| Noninterest income to average assets | 0.3400% | 2,750 |
| Noninterest expense to average assets | 2.3693% | 2,608 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 0.2391% | 3,939 |
| Return on assets (ROA) | 0.2391% | 3,979 |
| Pretax return on assets | 0.2371% | 4,017 |
| Return on Equity (ROE) | 3.4600% | 3,815 |
| Retained earnings to average equity (ytd only) | 2.5013% | 3,180 |
| Net charge-offs to loans | -0.0018% | 3,615 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 86.8828% | 716 |
| Assets per employee ($millions) | 7.4050% | 1,798 |
| Cash dividends to net income (ytd only)* | 27.7311% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2084% | 2,203 |
| Loan loss allowance to noncurrent loans | 1,396.3351% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.0629% | 3,230 |
| Noncurrent loans to loans | 0.0865% | 3,225 |
| Net loans and leases to total assets | 71.8200% | 1,672 |
| Net loans and leases to deposits | 90.5521% | 1,253 |
| Net loans and leases to core deposits | 101.8873% | 1,374 |
| Total domestic deposits to total assets | 79.3100% | 3,547 |
| Equity capital to assets | 6.8111% | 4,007 |
| Core capital (leverage) ratio | 9.0916% | 3,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $298,567,333 | 2,461 |
| Average earning assets | $282,092,000 | 2,432 |
| Average equity | $20,629,333 | 2,889 |
| Average total loans | $219,466,667 | 2,221 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7583% | 3,225 |
| Cost of funding earning assets | 2.2933% | 1,350 |
| Net interest margin | 2.4650% | 3,917 |
| Noninterest income to average assets | 0.3200% | 2,808 |
| Noninterest expense to average assets | 2.3185% | 2,741 |
| Loan and lease loss provision to assets | 0.1200% | 864 |
| Net operating income to assets | 0.2148% | 3,954 |
| Return on assets (ROA) | 0.2148% | 3,990 |
| Pretax return on assets | 0.2040% | 4,031 |
| Return on Equity (ROE) | 3.0900% | 3,835 |
| Retained earnings to average equity (ytd only) | 3.0867% | 2,958 |
| Net charge-offs to loans | -0.0037% | 3,641 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 87.6852% | 696 |
| Assets per employee ($millions) | 7.8462% | 1,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1613% | 2,478 |
| Loan loss allowance to noncurrent loans | 124.2044% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 0.6956% | 889 |
| Noncurrent loans to loans | 0.9350% | 933 |
| Net loans and leases to total assets | 73.5300% | 1,398 |
| Net loans and leases to deposits | 92.4492% | 997 |
| Net loans and leases to core deposits | 102.5210% | 1,266 |
| Total domestic deposits to total assets | 79.5400% | 3,595 |
| Equity capital to assets | 6.8726% | 3,948 |
| Core capital (leverage) ratio | 9.1705% | 3,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $296,047,500 | 2,484 |
| Average earning assets | $279,594,500 | 2,454 |
| Average equity | $20,604,500 | 2,905 |
| Average total loans | $218,845,000 | 2,231 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3617% | 3,341 |
| Cost of funding earning assets | 1.5429% | 1,830 |
| Net interest margin | 2.8188% | 3,628 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 2.3610% | 2,696 |
| Loan and lease loss provision to assets | 0.1900% | 662 |
| Net operating income to assets | 0.4141% | 3,838 |
| Return on assets (ROA) | 0.4141% | 3,838 |
| Pretax return on assets | 0.4612% | 3,879 |
| Return on Equity (ROE) | 5.7600% | 3,575 |
| Retained earnings to average equity (ytd only) | 3.5643% | 3,101 |
| Net charge-offs to loans | -0.0125% | 4,031 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 78.3224% | 1,042 |
| Assets per employee ($millions) | 8.3983% | 1,228 |
| Cash dividends to net income (ytd only)* | 38.1498% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1511% | 2,541 |
| Loan loss allowance to noncurrent loans | 2,561.8557% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.0330% | 3,421 |
| Noncurrent loans to loans | 0.0449% | 3,396 |
| Net loans and leases to total assets | 72.6000% | 1,514 |
| Net loans and leases to deposits | 90.8113% | 1,205 |
| Net loans and leases to core deposits | 93.6739% | 1,792 |
| Total domestic deposits to total assets | 79.9400% | 3,471 |
| Equity capital to assets | 7.0484% | 3,917 |
| Core capital (leverage) ratio | 9.4063% | 3,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $274,079,600 | 2,556 |
| Average earning assets | $259,186,400 | 2,525 |
| Average equity | $19,695,400 | 2,882 |
| Average total loans | $191,873,200 | 2,349 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2072% | 3,453 |
| Cost of funding earning assets | 1.3510% | 2,000 |
| Net interest margin | 2.8562% | 3,629 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 2.3499% | 2,656 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 0.5153% | 3,731 |
| Return on assets (ROA) | 0.5153% | 3,722 |
| Pretax return on assets | 0.5950% | 3,740 |
| Return on Equity (ROE) | 7.1300% | 3,394 |
| Retained earnings to average equity (ytd only) | 6.0562% | 2,609 |
| Net charge-offs to loans | -0.0244% | 4,184 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 76.5123% | 1,130 |
| Assets per employee ($millions) | 7.8167% | 1,442 |
| Cash dividends to net income (ytd only)* | 15.0962% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0666% | 3,035 |
| Loan loss allowance to noncurrent loans | 11,120.0000% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 3,789 |
| Noncurrent loans to loans | 0.0096% | 3,727 |
| Net loans and leases to total assets | 71.3300% | 1,655 |
| Net loans and leases to deposits | 90.3159% | 1,212 |
| Net loans and leases to core deposits | 94.8047% | 1,630 |
| Total domestic deposits to total assets | 78.9800% | 3,702 |
| Equity capital to assets | 6.5964% | 3,798 |
| Core capital (leverage) ratio | 9.7892% | 3,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $269,114,500 | 2,585 |
| Average earning assets | $254,318,250 | 2,553 |
| Average equity | $19,439,750 | 2,896 |
| Average total loans | $185,872,000 | 2,391 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0497% | 3,587 |
| Cost of funding earning assets | 1.1535% | 2,124 |
| Net interest margin | 2.8962% | 3,649 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 2.3932% | 2,509 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 0.5366% | 3,735 |
| Return on assets (ROA) | 0.5366% | 3,740 |
| Pretax return on assets | 0.6219% | 3,754 |
| Return on Equity (ROE) | 7.2000% | 3,442 |
| Retained earnings to average equity (ytd only) | 5.5930% | 2,754 |
| Net charge-offs to loans | -0.0011% | 3,453 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 76.4735% | 1,132 |
| Assets per employee ($millions) | 7.7197% | 1,459 |
| Cash dividends to net income (ytd only)* | 22.3011% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0701% | 3,087 |
| Loan loss allowance to noncurrent loans | 7,193.1034% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.0104% | 3,743 |
| Noncurrent loans to loans | 0.0149% | 3,666 |
| Net loans and leases to total assets | 69.3900% | 1,808 |
| Net loans and leases to deposits | 83.3763% | 1,731 |
| Net loans and leases to core deposits | 87.3088% | 1,982 |
| Total domestic deposits to total assets | 83.2300% | 2,994 |
| Equity capital to assets | 7.1084% | 3,733 |
| Core capital (leverage) ratio | 10.0490% | 2,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $262,413,000 | 2,621 |
| Average earning assets | $247,768,667 | 2,597 |
| Average equity | $19,560,333 | 2,902 |
| Average total loans | $178,322,667 | 2,461 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8919% | 3,688 |
| Cost of funding earning assets | 0.9359% | 2,257 |
| Net interest margin | 2.9560% | 3,685 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 2.4707% | 2,321 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 0.4429% | 4,014 |
| Return on assets (ROA) | 0.4429% | 3,967 |
| Pretax return on assets | 0.4932% | 3,999 |
| Return on Equity (ROE) | 5.8000% | 3,760 |
| Retained earnings to average equity (ytd only) | 5.7956% | 2,825 |
| Net charge-offs to loans | -0.0047% | 3,616 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 80.1733% | 818 |
| Assets per employee ($millions) | 6.8923% | 2,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1272% | 2,919 |
| Loan loss allowance to noncurrent loans | 2,286.3636% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.0336% | 3,443 |
| Noncurrent loans to loans | 0.0493% | 3,388 |
| Net loans and leases to total assets | 67.3900% | 1,912 |
| Net loans and leases to deposits | 77.0820% | 2,029 |
| Net loans and leases to core deposits | 81.8396% | 2,130 |
| Total domestic deposits to total assets | 87.4200% | 2,123 |
| Equity capital to assets | 7.5439% | 3,540 |
| Core capital (leverage) ratio | 10.5946% | 2,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $254,665,000 | 2,697 |
| Average earning assets | $240,188,500 | 2,670 |
| Average equity | $19,463,000 | 2,938 |
| Average total loans | $170,018,000 | 2,544 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4314% | 3,267 |
| Cost of funding earning assets | 0.2595% | 3,244 |
| Net interest margin | 3.1719% | 2,956 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 2.9061% | 1,116 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 0.2651% | 4,402 |
| Return on assets (ROA) | 0.2567% | 4,387 |
| Pretax return on assets | 0.2504% | 4,407 |
| Return on Equity (ROE) | 2.8100% | 4,314 |
| Retained earnings to average equity (ytd only) | 1.0033% | 4,197 |
| Net charge-offs to loans | -0.1065% | 4,525 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 88.3162% | 349 |
| Assets per employee ($millions) | 7.2772% | 1,771 |
| Cash dividends to net income (ytd only)* | 64.2741% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9632% | 3,555 |
| Loan loss allowance to noncurrent loans | 909.9415% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.0691% | 3,103 |
| Noncurrent loans to loans | 0.1059% | 3,008 |
| Net loans and leases to total assets | 64.6600% | 2,179 |
| Net loans and leases to deposits | 72.6282% | 2,359 |
| Net loans and leases to core deposits | 74.8926% | 2,503 |
| Total domestic deposits to total assets | 89.0300% | 1,710 |
| Equity capital to assets | 7.7470% | 3,220 |
| Core capital (leverage) ratio | 10.8005% | 1,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $238,771,600 | 2,787 |
| Average earning assets | $225,041,400 | 2,771 |
| Average equity | $21,827,600 | 2,785 |
| Average total loans | $143,710,200 | 2,694 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3053% | 3,162 |
| Cost of funding earning assets | 0.2008% | 3,261 |
| Net interest margin | 3.1044% | 2,923 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 2.8150% | 1,222 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 0.2756% | 4,408 |
| Return on assets (ROA) | 0.2643% | 4,383 |
| Pretax return on assets | 0.2587% | 4,415 |
| Return on Equity (ROE) | 2.7800% | 4,328 |
| Retained earnings to average equity (ytd only) | 1.6123% | 4,117 |
| Net charge-offs to loans | -0.1579% | 4,597 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 87.6470% | 395 |
| Assets per employee ($millions) | 6.0822% | 2,686 |
| Cash dividends to net income (ytd only)* | 42.0043% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9662% | 3,629 |
| Loan loss allowance to noncurrent loans | 697.1963% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.0902% | 3,034 |
| Noncurrent loans to loans | 0.1386% | 2,939 |
| Net loans and leases to total assets | 64.4700% | 2,042 |
| Net loans and leases to deposits | 72.2025% | 2,188 |
| Net loans and leases to core deposits | 74.6684% | 2,300 |
| Total domestic deposits to total assets | 89.3000% | 1,958 |
| Equity capital to assets | 8.2393% | 2,722 |
| Core capital (leverage) ratio | 11.1387% | 1,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $236,582,250 | 2,827 |
| Average earning assets | $223,072,250 | 2,804 |
| Average equity | $22,492,500 | 2,776 |
| Average total loans | $139,336,750 | 2,736 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1332% | 3,232 |
| Cost of funding earning assets | 0.1414% | 3,691 |
| Net interest margin | 2.9918% | 2,906 |
| Noninterest income to average assets | 0.2657% | 3,582 |
| Noninterest expense to average assets | 2.6340% | 1,543 |
| Loan and lease loss provision to assets | 0.1269% | 770 |
| Net operating income to assets | 0.3241% | 4,246 |
| Return on assets (ROA) | 0.3241% | 4,198 |
| Pretax return on assets | 0.3334% | 4,252 |
| Return on Equity (ROE) | 3.2630% | 4,178 |
| Retained earnings to average equity (ytd only) | 1.5846% | 3,859 |
| Net charge-offs to loans | -0.2427% | 4,620 |
| Credit loss provision to net charge-offs | -92.0245% | 3,098 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1244% | 618 |
| Assets per employee ($millions) | 6.3684% | 2,418 |
| Cash dividends to net income (ytd only)* | 51.4360% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9584% | 3,771 |
| Loan loss allowance to noncurrent loans | 1,088.4615% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 3,444 |
| Noncurrent loans to loans | 0.0881% | 3,333 |
| Net loans and leases to total assets | 60.4228% | 2,282 |
| Net loans and leases to deposits | 68.2891% | 2,364 |
| Net loans and leases to core deposits | 70.3454% | 2,468 |
| Total domestic deposits to total assets | 88.4809% | 2,391 |
| Equity capital to assets | 8.2943% | 2,913 |
| Core capital (leverage) ratio | 11.4691% | 1,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $236,374,333 | 2,847 |
| Average earning assets | $223,476,333 | 2,832 |
| Average equity | $23,475,333 | 2,781 |
| Average total loans | $134,306,667 | 2,804 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0443% | 3,125 |
| Cost of funding earning assets | 0.1442% | 3,576 |
| Net interest margin | 2.9001% | 2,837 |
| Noninterest income to average assets | 0.2586% | 3,587 |
| Noninterest expense to average assets | 2.4867% | 1,912 |
| Loan and lease loss provision to assets | 0.1284% | 641 |
| Net operating income to assets | 0.3648% | 4,031 |
| Return on assets (ROA) | 0.3648% | 3,995 |
| Pretax return on assets | 0.3990% | 4,035 |
| Return on Equity (ROE) | 3.3840% | 4,014 |
| Retained earnings to average equity (ytd only) | 3.3840% | 3,145 |
| Net charge-offs to loans | -0.3290% | 4,671 |
| Credit loss provision to net charge-offs | -71.4286% | 2,852 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5000% | 945 |
| Assets per employee ($millions) | 5.9921% | 2,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9533% | 3,895 |
| Loan loss allowance to noncurrent loans | 466.1818% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.1177% | 2,993 |
| Noncurrent loans to loans | 0.2045% | 2,801 |
| Net loans and leases to total assets | 56.9947% | 2,420 |
| Net loans and leases to deposits | 63.5264% | 2,569 |
| Net loans and leases to core deposits | 65.9340% | 2,632 |
| Total domestic deposits to total assets | 89.7181% | 1,707 |
| Equity capital to assets | 10.1963% | 1,761 |
| Core capital (leverage) ratio | 11.4587% | 1,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $233,562,500 | 2,876 |
| Average earning assets | $221,921,500 | 2,851 |
| Average equity | $25,177,000 | 2,758 |
| Average total loans | $127,641,500 | 2,872 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0374% | 3,801 |
| Cost of funding earning assets | 0.2481% | 2,954 |
| Net interest margin | 2.7893% | 3,687 |
| Noninterest income to average assets | 0.2896% | 3,659 |
| Noninterest expense to average assets | 2.5728% | 1,946 |
| Loan and lease loss provision to assets | 0.1263% | 973 |
| Net operating income to assets | 0.2321% | 4,503 |
| Return on assets (ROA) | 0.2870% | 4,462 |
| Pretax return on assets | 0.2957% | 4,497 |
| Return on Equity (ROE) | 2.4362% | 4,448 |
| Retained earnings to average equity (ytd only) | 0.1035% | 4,458 |
| Net charge-offs to loans | 0.2538% | 358 |
| Credit loss provision to net charge-offs | 99.6564% | 1,820 |
| Earnings coverage of net charge-offs (x) | 2.8832% | 2,567 |
| Efficiency ratio | 87.5648% | 404 |
| Assets per employee ($millions) | 5.9855% | 2,788 |
| Cash dividends to net income (ytd only)* | 95.7511% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9122% | 4,030 |
| Loan loss allowance to noncurrent loans | 236.9892% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 0.1992% | 2,568 |
| Noncurrent loans to loans | 0.3849% | 2,210 |
| Net loans and leases to total assets | 51.2809% | 3,140 |
| Net loans and leases to deposits | 57.9098% | 3,266 |
| Net loans and leases to core deposits | 59.9701% | 3,315 |
| Total domestic deposits to total assets | 88.5531% | 1,762 |
| Equity capital to assets | 11.2901% | 1,611 |
| Core capital (leverage) ratio | 11.3187% | 1,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $229,631,000 | 2,848 |
| Average earning assets | $218,046,800 | 2,827 |
| Average equity | $27,050,000 | 2,720 |
| Average total loans | $114,667,400 | 2,998 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1152% | 3,777 |
| Cost of funding earning assets | 0.2670% | 2,934 |
| Net interest margin | 2.8483% | 3,663 |
| Noninterest income to average assets | 0.2851% | 3,741 |
| Noninterest expense to average assets | 2.6009% | 1,832 |
| Loan and lease loss provision to assets | 0.1255% | 930 |
| Net operating income to assets | 0.2442% | 4,581 |
| Return on assets (ROA) | 0.3154% | 4,521 |
| Pretax return on assets | 0.3341% | 4,564 |
| Return on Equity (ROE) | 2.6496% | 4,511 |
| Retained earnings to average equity (ytd only) | 1.1068% | 4,395 |
| Net charge-offs to loans | 0.4643% | 166 |
| Credit loss provision to net charge-offs | 54.5685% | 1,832 |
| Earnings coverage of net charge-offs (x) | 1.6701% | 2,370 |
| Efficiency ratio | 87.1459% | 392 |
| Assets per employee ($millions) | 6.0442% | 2,650 |
| Cash dividends to net income (ytd only)* | 58.2255% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7788% | 4,386 |
| Loan loss allowance to noncurrent loans | 333.5740% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.1206% | 3,316 |
| Noncurrent loans to loans | 0.2335% | 3,004 |
| Net loans and leases to total assets | 51.2517% | 3,278 |
| Net loans and leases to deposits | 58.3539% | 3,375 |
| Net loans and leases to core deposits | 60.6506% | 3,431 |
| Total domestic deposits to total assets | 87.8292% | 1,943 |
| Equity capital to assets | 11.8826% | 1,454 |
| Core capital (leverage) ratio | 11.5506% | 1,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $228,680,250 | 2,884 |
| Average earning assets | $216,735,500 | 2,861 |
| Average equity | $27,223,750 | 2,728 |
| Average total loans | $113,132,000 | 3,062 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1579% | 3,754 |
| Cost of funding earning assets | 0.2781% | 3,006 |
| Net interest margin | 2.8798% | 3,624 |
| Noninterest income to average assets | 0.2855% | 3,714 |
| Noninterest expense to average assets | 2.4445% | 2,327 |
| Loan and lease loss provision to assets | 0.1226% | 1,023 |
| Net operating income to assets | 0.4147% | 4,360 |
| Return on assets (ROA) | 0.4528% | 4,339 |
| Pretax return on assets | 0.5194% | 4,358 |
| Return on Equity (ROE) | 3.8013% | 4,364 |
| Retained earnings to average equity (ytd only) | 1.4852% | 4,242 |
| Net charge-offs to loans | 0.2246% | 387 |
| Credit loss provision to net charge-offs | 112.0000% | 1,299 |
| Earnings coverage of net charge-offs (x) | 5.4640% | 1,994 |
| Efficiency ratio | 80.3397% | 763 |
| Assets per employee ($millions) | 5.8991% | 2,714 |
| Cash dividends to net income (ytd only)* | 60.9284% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9145% | 4,117 |
| Loan loss allowance to noncurrent loans | 1,397.5000% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.0348% | 4,020 |
| Noncurrent loans to loans | 0.0654% | 3,864 |
| Net loans and leases to total assets | 52.6534% | 3,285 |
| Net loans and leases to deposits | 59.8719% | 3,399 |
| Net loans and leases to core deposits | 62.1866% | 3,444 |
| Total domestic deposits to total assets | 87.9434% | 1,860 |
| Equity capital to assets | 11.8097% | 1,456 |
| Core capital (leverage) ratio | 11.5986% | 1,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $228,347,000 | 2,889 |
| Average earning assets | $218,629,667 | 2,839 |
| Average equity | $27,201,000 | 2,726 |
| Average total loans | $111,296,333 | 3,111 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6140% | 4,563 |
| Cost of funding earning assets | 0.2915% | 3,086 |
| Net interest margin | 2.3226% | 4,504 |
| Noninterest income to average assets | 0.2737% | 3,763 |
| Noninterest expense to average assets | 2.5963% | 1,897 |
| Loan and lease loss provision to assets | 0.1140% | 1,208 |
| Net operating income to assets | -0.1684% | 4,826 |
| Return on assets (ROA) | -0.0947% | 4,812 |
| Pretax return on assets | -0.1123% | 4,816 |
| Return on Equity (ROE) | -0.7850% | 4,818 |
| Retained earnings to average equity (ytd only) | -0.7850% | 4,438 |
| Net charge-offs to loans | 0.5292% | 153 |
| Credit loss provision to net charge-offs | 46.4286% | 1,323 |
| Earnings coverage of net charge-offs (x) | -0.3500% | 1,898 |
| Efficiency ratio | 103.4242% | 157 |
| Assets per employee ($millions) | 5.7207% | 2,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9244% | 4,089 |
| Loan loss allowance to noncurrent loans | 574.3017% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.0782% | 3,825 |
| Noncurrent loans to loans | 0.1610% | 3,530 |
| Net loans and leases to total assets | 48.1477% | 3,804 |
| Net loans and leases to deposits | 54.8680% | 3,881 |
| Net loans and leases to core deposits | 56.7575% | 3,925 |
| Total domestic deposits to total assets | 87.7520% | 1,978 |
| Equity capital to assets | 11.9211% | 1,325 |
| Core capital (leverage) ratio | 11.5440% | 1,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $228,012,500 | 2,879 |
| Average earning assets | $219,585,500 | 2,824 |
| Average equity | $27,517,000 | 2,699 |
| Average total loans | $105,816,000 | 3,191 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1765% | 4,479 |
| Cost of funding earning assets | 0.3840% | 3,680 |
| Net interest margin | 2.7925% | 4,275 |
| Noninterest income to average assets | 0.2889% | 3,756 |
| Noninterest expense to average assets | 2.4832% | 2,899 |
| Loan and lease loss provision to assets | 0.1304% | 2,730 |
| Net operating income to assets | 0.3443% | 4,366 |
| Return on assets (ROA) | 0.4491% | 4,223 |
| Pretax return on assets | 0.4985% | 4,274 |
| Return on Equity (ROE) | 3.5347% | 4,261 |
| Retained earnings to average equity (ytd only) | 0.6417% | 4,331 |
| Net charge-offs to loans | -0.0061% | 4,177 |
| Credit loss provision to net charge-offs | -4,666.6667% | 4,316 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8927% | 699 |
| Assets per employee ($millions) | 5.9788% | 2,350 |
| Cash dividends to net income (ytd only)* | 81.8465% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0983% | 3,468 |
| Loan loss allowance to noncurrent loans | 89.2395% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 0.5440% | 1,923 |
| Noncurrent loans to loans | 1.2307% | 1,129 |
| Net loans and leases to total assets | 43.7178% | 4,265 |
| Net loans and leases to deposits | 50.0617% | 4,316 |
| Net loans and leases to core deposits | 51.6884% | 4,356 |
| Total domestic deposits to total assets | 87.3277% | 1,779 |
| Equity capital to assets | 12.2163% | 1,472 |
| Core capital (leverage) ratio | 11.8918% | 1,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $214,643,000 | 2,831 |
| Average earning assets | $208,060,200 | 2,756 |
| Average equity | $27,272,800 | 2,658 |
| Average total loans | $97,697,800 | 3,266 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3623% | 4,400 |
| Cost of funding earning assets | 0.4038% | 3,791 |
| Net interest margin | 2.9585% | 4,071 |
| Noninterest income to average assets | 0.2862% | 3,775 |
| Noninterest expense to average assets | 2.4604% | 2,962 |
| Loan and lease loss provision to assets | 0.1291% | 2,733 |
| Net operating income to assets | 0.4745% | 4,101 |
| Return on assets (ROA) | 0.5661% | 3,956 |
| Pretax return on assets | 0.6739% | 3,960 |
| Return on Equity (ROE) | 4.4096% | 4,057 |
| Retained earnings to average equity (ytd only) | 2.8628% | 3,575 |
| Net charge-offs to loans | -0.0041% | 4,013 |
| Credit loss provision to net charge-offs | -6,833.3333% | 4,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9976% | 1,038 |
| Assets per employee ($millions) | 5.1855% | 3,030 |
| Cash dividends to net income (ytd only)* | 35.0780% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0317% | 3,556 |
| Loan loss allowance to noncurrent loans | 79.7045% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 0.5905% | 1,962 |
| Noncurrent loans to loans | 1.2944% | 1,142 |
| Net loans and leases to total assets | 45.1452% | 4,362 |
| Net loans and leases to deposits | 52.1641% | 4,406 |
| Net loans and leases to core deposits | 54.1554% | 4,441 |
| Total domestic deposits to total assets | 86.5446% | 1,841 |
| Equity capital to assets | 12.9545% | 1,202 |
| Core capital (leverage) ratio | 12.4518% | 1,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $211,504,750 | 2,837 |
| Average earning assets | $205,055,750 | 2,770 |
| Average equity | $27,152,250 | 2,656 |
| Average total loans | $97,015,250 | 3,289 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5697% | 4,314 |
| Cost of funding earning assets | 0.4183% | 3,958 |
| Net interest margin | 3.1515% | 3,783 |
| Noninterest income to average assets | 0.2846% | 3,757 |
| Noninterest expense to average assets | 2.4880% | 2,993 |
| Loan and lease loss provision to assets | 0.1242% | 2,787 |
| Net operating income to assets | 0.6015% | 3,733 |
| Return on assets (ROA) | 0.6657% | 3,614 |
| Pretax return on assets | 0.8089% | 3,559 |
| Return on Equity (ROE) | 5.2018% | 3,774 |
| Retained earnings to average equity (ytd only) | 2.8509% | 3,446 |
| Net charge-offs to loans | -0.0021% | 3,828 |
| Credit loss provision to net charge-offs | -13,000.0000% | 4,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4286% | 1,424 |
| Assets per employee ($millions) | 5.1700% | 2,978 |
| Cash dividends to net income (ytd only)* | 45.1937% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9331% | 3,868 |
| Loan loss allowance to noncurrent loans | 130.5785% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 0.3343% | 2,970 |
| Noncurrent loans to loans | 0.7146% | 2,091 |
| Net loans and leases to total assets | 46.3517% | 4,345 |
| Net loans and leases to deposits | 53.4929% | 4,399 |
| Net loans and leases to core deposits | 55.5654% | 4,444 |
| Total domestic deposits to total assets | 86.6502% | 1,754 |
| Equity capital to assets | 12.9026% | 1,208 |
| Core capital (leverage) ratio | 12.5879% | 1,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $209,408,667 | 2,828 |
| Average earning assets | $203,208,000 | 2,756 |
| Average equity | $26,798,333 | 2,662 |
| Average total loans | $96,237,667 | 3,301 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4848% | 4,642 |
| Cost of funding earning assets | 0.4416% | 4,191 |
| Net interest margin | 3.0432% | 4,207 |
| Noninterest income to average assets | 0.2919% | 3,776 |
| Noninterest expense to average assets | 2.4988% | 3,268 |
| Loan and lease loss provision to assets | 0.1070% | 2,344 |
| Net operating income to assets | 0.4379% | 4,049 |
| Return on assets (ROA) | 0.4379% | 4,095 |
| Pretax return on assets | 0.6500% | 3,810 |
| Return on Equity (ROE) | 3.4366% | 4,108 |
| Retained earnings to average equity (ytd only) | 3.4366% | 2,910 |
| Net charge-offs to loans | -0.1240% | 4,862 |
| Credit loss provision to net charge-offs | -189.6552% | 3,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7484% | 1,481 |
| Assets per employee ($millions) | 5.1452% | 2,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9613% | 3,885 |
| Loan loss allowance to noncurrent loans | 53.3768% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 0.8202% | 1,647 |
| Noncurrent loans to loans | 1.8011% | 837 |
| Net loans and leases to total assets | 45.1010% | 4,465 |
| Net loans and leases to deposits | 51.7876% | 4,529 |
| Net loans and leases to core deposits | 53.8939% | 4,570 |
| Total domestic deposits to total assets | 87.0885% | 1,524 |
| Equity capital to assets | 12.7647% | 1,574 |
| Core capital (leverage) ratio | 12.7354% | 1,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $205,542,000 | 2,829 |
| Average earning assets | $200,181,500 | 2,738 |
| Average equity | $26,189,000 | 2,698 |
| Average total loans | $93,558,000 | 3,329 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5660% | 4,807 |
| Cost of funding earning assets | 0.4250% | 4,356 |
| Net interest margin | 3.1411% | 4,302 |
| Noninterest income to average assets | 0.3168% | 3,803 |
| Noninterest expense to average assets | 2.2480% | 4,065 |
| Loan and lease loss provision to assets | 0.0746% | 2,500 |
| Net operating income to assets | 0.9236% | 3,115 |
| Return on assets (ROA) | 0.9471% | 3,108 |
| Pretax return on assets | 1.0852% | 3,218 |
| Return on Equity (ROE) | 7.6441% | 3,308 |
| Retained earnings to average equity (ytd only) | 3.9678% | 2,976 |
| Net charge-offs to loans | 0.6287% | 291 |
| Credit loss provision to net charge-offs | 27.1454% | 3,290 |
| Earnings coverage of net charge-offs (x) | 4.1208% | 3,256 |
| Efficiency ratio | 66.4910% | 2,693 |
| Assets per employee ($millions) | 5.2635% | 2,278 |
| Cash dividends to net income (ytd only)* | 48.0935% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8748% | 4,067 |
| Loan loss allowance to noncurrent loans | 54.2137% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 0.7341% | 1,768 |
| Noncurrent loans to loans | 1.6136% | 873 |
| Net loans and leases to total assets | 45.0985% | 4,556 |
| Net loans and leases to deposits | 51.7641% | 4,609 |
| Net loans and leases to core deposits | 53.9550% | 4,650 |
| Total domestic deposits to total assets | 87.1231% | 1,549 |
| Equity capital to assets | 12.7181% | 1,696 |
| Core capital (leverage) ratio | 12.0639% | 1,736 |
| Tier 1 risk-based capital ratio | 24.9820% | 750 |
| Total risk-based capital ratio | 25.7650% | 769 |
| Memoranda: | ||
| Average total assets | $207,696,800 | 2,778 |
| Average earning assets | $202,607,200 | 2,684 |
| Average equity | $25,732,400 | 2,658 |
| Average total loans | $90,818,600 | 3,378 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5697% | 4,907 |
| Cost of funding earning assets | 0.4127% | 4,458 |
| Net interest margin | 3.1570% | 4,393 |
| Noninterest income to average assets | 0.3245% | 3,803 |
| Noninterest expense to average assets | 2.1891% | 4,203 |
| Loan and lease loss provision to assets | 0.0704% | 2,470 |
| Net operating income to assets | 0.9416% | 3,197 |
| Return on assets (ROA) | 0.9710% | 3,159 |
| Pretax return on assets | 1.1809% | 3,042 |
| Return on Equity (ROE) | 7.8889% | 3,361 |
| Retained earnings to average equity (ytd only) | 6.2508% | 2,246 |
| Net charge-offs to loans | 0.3578% | 474 |
| Credit loss provision to net charge-offs | 45.4545% | 2,821 |
| Earnings coverage of net charge-offs (x) | 7.8471% | 2,708 |
| Efficiency ratio | 64.2978% | 2,958 |
| Assets per employee ($millions) | 5.4190% | 2,106 |
| Cash dividends to net income (ytd only)* | 20.7647% | 3,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2062% | 2,477 |
| Loan loss allowance to noncurrent loans | 43.4148% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 1.1700% | 1,097 |
| Noncurrent loans to loans | 2.7783% | 382 |
| Net loans and leases to total assets | 41.6035% | 4,762 |
| Net loans and leases to deposits | 47.6344% | 4,830 |
| Net loans and leases to core deposits | 49.6304% | 4,847 |
| Total domestic deposits to total assets | 87.3393% | 1,350 |
| Equity capital to assets | 12.2851% | 2,053 |
| Core capital (leverage) ratio | 12.0325% | 1,828 |
| Tier 1 risk-based capital ratio | 24.6896% | 787 |
| Total risk-based capital ratio | 25.7252% | 790 |
| Memoranda: | ||
| Average total assets | $208,302,250 | 2,792 |
| Average earning assets | $203,224,000 | 2,696 |
| Average equity | $25,638,750 | 2,671 |
| Average total loans | $90,175,000 | 3,435 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5327% | 4,986 |
| Cost of funding earning assets | 0.4002% | 4,509 |
| Net interest margin | 3.1325% | 4,481 |
| Noninterest income to average assets | 0.3212% | 3,783 |
| Noninterest expense to average assets | 2.1812% | 4,267 |
| Loan and lease loss provision to assets | 0.0633% | 2,554 |
| Net operating income to assets | 0.9190% | 3,211 |
| Return on assets (ROA) | 0.9198% | 3,270 |
| Pretax return on assets | 1.1329% | 3,142 |
| Return on Equity (ROE) | 7.4678% | 3,512 |
| Retained earnings to average equity (ytd only) | 4.9785% | 2,781 |
| Net charge-offs to loans | 0.5612% | 273 |
| Credit loss provision to net charge-offs | 25.7937% | 2,622 |
| Earnings coverage of net charge-offs (x) | 4.8730% | 2,704 |
| Efficiency ratio | 64.6007% | 3,036 |
| Assets per employee ($millions) | 5.4798% | 1,987 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1511% | 2,783 |
| Loan loss allowance to noncurrent loans | 50.4339% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 0.9462% | 1,472 |
| Noncurrent loans to loans | 2.2823% | 573 |
| Net loans and leases to total assets | 40.9805% | 4,824 |
| Net loans and leases to deposits | 46.6377% | 4,883 |
| Net loans and leases to core deposits | 48.2798% | 4,905 |
| Total domestic deposits to total assets | 87.8700% | 1,158 |
| Equity capital to assets | 11.8741% | 2,285 |
| Core capital (leverage) ratio | 12.4226% | 1,578 |
| Tier 1 risk-based capital ratio | 23.7240% | 874 |
| Total risk-based capital ratio | 24.6905% | 882 |
| Memoranda: | ||
| Average total assets | $205,483,670 | 2,825 |
| Average earning assets | $200,414,670 | 2,733 |
| Average equity | $25,308,670 | 2,690 |
| Average total loans | $89,806,670 | 3,464 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5444% | 5,007 |
| Cost of funding earning assets | 0.3947% | 4,508 |
| Net interest margin | 3.1496% | 4,499 |
| Noninterest income to average assets | 0.3101% | 3,794 |
| Noninterest expense to average assets | 2.3239% | 3,962 |
| Loan and lease loss provision to assets | 0.0503% | 2,648 |
| Net operating income to assets | 0.7850% | 3,670 |
| Return on assets (ROA) | 0.7834% | 3,722 |
| Pretax return on assets | 1.0029% | 3,426 |
| Return on Equity (ROE) | 6.2366% | 3,944 |
| Retained earnings to average equity (ytd only) | 6.2366% | 2,352 |
| Net charge-offs to loans | 1.0619% | 128 |
| Credit loss provision to net charge-offs | 10.5485% | 2,178 |
| Earnings coverage of net charge-offs (x) | 2.2110% | 2,517 |
| Efficiency ratio | 68.7723% | 2,528 |
| Assets per employee ($millions) | 4.7506% | 2,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1419% | 2,901 |
| Loan loss allowance to noncurrent loans | 98.6473% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 0.5187% | 2,549 |
| Noncurrent loans to loans | 1.1575% | 1,441 |
| Net loans and leases to total assets | 44.3027% | 4,735 |
| Net loans and leases to deposits | 50.8382% | 4,793 |
| Net loans and leases to core deposits | 52.8283% | 4,818 |
| Total domestic deposits to total assets | 87.1445% | 1,741 |
| Equity capital to assets | 12.7242% | 1,613 |
| Core capital (leverage) ratio | 12.9378% | 1,303 |
| Tier 1 risk-based capital ratio | 24.5480% | 796 |
| Total risk-based capital ratio | 25.5335% | 799 |
| Memoranda: | ||
| Average total assets | $198,629,500 | 2,915 |
| Average earning assets | $193,546,000 | 2,818 |
| Average equity | $24,949,500 | 2,718 |
| Average total loans | $89,274,000 | 3,505 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5026% | 4,912 |
| Cost of funding earning assets | 0.3484% | 4,288 |
| Net interest margin | 3.1543% | 4,568 |
| Noninterest income to average assets | 0.3454% | 3,801 |
| Noninterest expense to average assets | 2.2312% | 4,270 |
| Loan and lease loss provision to assets | 0.0308% | 3,572 |
| Net operating income to assets | 0.9553% | 3,199 |
| Return on assets (ROA) | 0.9545% | 3,205 |
| Pretax return on assets | 1.1492% | 3,100 |
| Return on Equity (ROE) | 7.7262% | 3,562 |
| Retained earnings to average equity (ytd only) | 3.7903% | 3,488 |
| Net charge-offs to loans | 0.0046% | 3,553 |
| Credit loss provision to net charge-offs | 1,500.0000% | 276 |
| Earnings coverage of net charge-offs (x) | 574.5000% | 192 |
| Efficiency ratio | 65.3864% | 2,973 |
| Assets per employee ($millions) | 4.7080% | 2,865 |
| Cash dividends to net income (ytd only)* | 50.9424% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3833% | 1,708 |
| Loan loss allowance to noncurrent loans | 1,245.4545% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.0501% | 4,597 |
| Noncurrent loans to loans | 0.1111% | 4,232 |
| Net loans and leases to total assets | 44.4532% | 4,799 |
| Net loans and leases to deposits | 50.8051% | 4,862 |
| Net loans and leases to core deposits | 53.1449% | 4,873 |
| Total domestic deposits to total assets | 87.4973% | 1,541 |
| Equity capital to assets | 12.3959% | 1,637 |
| Core capital (leverage) ratio | 12.5576% | 1,429 |
| Tier 1 risk-based capital ratio | 23.3672% | 872 |
| Total risk-based capital ratio | 24.5609% | 859 |
| Memoranda: | ||
| Average total assets | $194,562,200 | 2,919 |
| Average earning assets | $189,173,000 | 2,835 |
| Average equity | $24,035,000 | 2,725 |
| Average total loans | $87,658,400 | 3,523 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4545% | 4,973 |
| Cost of funding earning assets | 0.3355% | 4,273 |
| Net interest margin | 3.1189% | 4,672 |
| Noninterest income to average assets | 0.3447% | 3,841 |
| Noninterest expense to average assets | 2.2624% | 4,190 |
| Loan and lease loss provision to assets | 0.0310% | 3,399 |
| Net operating income to assets | 0.8268% | 3,818 |
| Return on assets (ROA) | 0.8257% | 3,829 |
| Pretax return on assets | 1.0817% | 3,464 |
| Return on Equity (ROE) | 6.6899% | 4,039 |
| Retained earnings to average equity (ytd only) | 4.9338% | 3,271 |
| Net charge-offs to loans | 0.0092% | 3,095 |
| Credit loss provision to net charge-offs | 750.0000% | 508 |
| Earnings coverage of net charge-offs (x) | 269.8263% | 345 |
| Efficiency ratio | 67.0063% | 2,710 |
| Assets per employee ($millions) | 4.9075% | 2,589 |
| Cash dividends to net income (ytd only)* | 26.2500% | 2,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3367% | 1,934 |
| Loan loss allowance to noncurrent loans | 1,180.5825% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.0538% | 4,697 |
| Noncurrent loans to loans | 0.1132% | 4,385 |
| Net loans and leases to total assets | 46.8972% | 4,759 |
| Net loans and leases to deposits | 53.7957% | 4,829 |
| Net loans and leases to core deposits | 56.4140% | 4,837 |
| Total domestic deposits to total assets | 87.1765% | 1,652 |
| Equity capital to assets | 12.5497% | 1,552 |
| Core capital (leverage) ratio | 12.3351% | 1,588 |
| Tier 1 risk-based capital ratio | 22.7831% | 960 |
| Total risk-based capital ratio | 23.9473% | 947 |
| Memoranda: | ||
| Average total assets | $193,769,250 | 2,946 |
| Average earning assets | $188,351,000 | 2,866 |
| Average equity | $23,916,000 | 2,745 |
| Average total loans | $87,290,000 | 3,560 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3667% | 5,075 |
| Cost of funding earning assets | 0.3246% | 4,242 |
| Net interest margin | 3.0421% | 4,818 |
| Noninterest income to average assets | 0.3433% | 3,881 |
| Noninterest expense to average assets | 2.2029% | 4,359 |
| Loan and lease loss provision to assets | 0.0308% | 3,291 |
| Net operating income to assets | 0.8283% | 3,758 |
| Return on assets (ROA) | 0.8275% | 3,768 |
| Pretax return on assets | 1.0660% | 3,450 |
| Return on Equity (ROE) | 6.7416% | 3,977 |
| Retained earnings to average equity (ytd only) | 4.1036% | 3,555 |
| Net charge-offs to loans | 0.0139% | 2,674 |
| Credit loss provision to net charge-offs | 500.0000% | 700 |
| Earnings coverage of net charge-offs (x) | 178.0000% | 458 |
| Efficiency ratio | 66.7393% | 2,860 |
| Assets per employee ($millions) | 4.9303% | 2,509 |
| Cash dividends to net income (ytd only)* | 39.1304% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3563% | 1,916 |
| Loan loss allowance to noncurrent loans | 1,035.3448% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.0588% | 4,725 |
| Noncurrent loans to loans | 0.1310% | 4,319 |
| Net loans and leases to total assets | 44.2924% | 4,887 |
| Net loans and leases to deposits | 50.4960% | 4,966 |
| Net loans and leases to core deposits | 52.5420% | 4,976 |
| Total domestic deposits to total assets | 87.7147% | 1,526 |
| Equity capital to assets | 12.1002% | 1,785 |
| Core capital (leverage) ratio | 11.9995% | 1,715 |
| Tier 1 risk-based capital ratio | 22.4153% | 991 |
| Total risk-based capital ratio | 23.5687% | 985 |
| Memoranda: | ||
| Average total assets | $194,562,000 | 2,955 |
| Average earning assets | $189,146,670 | 2,862 |
| Average equity | $23,881,670 | 2,763 |
| Average total loans | $86,062,330 | 3,603 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3062% | 5,133 |
| Cost of funding earning assets | 0.3172% | 4,214 |
| Net interest margin | 2.9890% | 4,897 |
| Noninterest income to average assets | 0.3415% | 3,865 |
| Noninterest expense to average assets | 2.2315% | 4,342 |
| Loan and lease loss provision to assets | 0.0310% | 3,099 |
| Net operating income to assets | 0.7613% | 3,870 |
| Return on assets (ROA) | 0.7597% | 3,873 |
| Pretax return on assets | 0.9832% | 3,591 |
| Return on Equity (ROE) | 6.1446% | 4,111 |
| Retained earnings to average equity (ytd only) | 6.1446% | 2,650 |
| Net charge-offs to loans | 0.0189% | 2,125 |
| Credit loss provision to net charge-offs | 375.0000% | 709 |
| Earnings coverage of net charge-offs (x) | 122.7500% | 517 |
| Efficiency ratio | 68.7062% | 2,716 |
| Assets per employee ($millions) | 4.8447% | 2,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4012% | 1,841 |
| Loan loss allowance to noncurrent loans | 860.8696% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.0712% | 4,733 |
| Noncurrent loans to loans | 0.1628% | 4,249 |
| Net loans and leases to total assets | 43.1373% | 4,938 |
| Net loans and leases to deposits | 49.2552% | 4,992 |
| Net loans and leases to core deposits | 51.4893% | 4,998 |
| Total domestic deposits to total assets | 87.5792% | 1,859 |
| Equity capital to assets | 12.2938% | 1,606 |
| Core capital (leverage) ratio | 12.1100% | 1,582 |
| Tier 1 risk-based capital ratio | 22.8902% | 955 |
| Total risk-based capital ratio | 24.0671% | 941 |
| Memoranda: | ||
| Average total assets | $193,237,000 | 3,001 |
| Average earning assets | $187,888,000 | 2,909 |
| Average equity | $23,891,000 | 2,784 |
| Average total loans | $84,818,000 | 3,654 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3269% | 5,051 |
| Cost of funding earning assets | 0.3038% | 4,103 |
| Net interest margin | 3.0231% | 4,834 |
| Noninterest income to average assets | 0.3594% | 3,901 |
| Noninterest expense to average assets | 2.2175% | 4,493 |
| Loan and lease loss provision to assets | 0.0394% | 3,481 |
| Net operating income to assets | 0.8091% | 3,117 |
| Return on assets (ROA) | 0.8091% | 3,162 |
| Pretax return on assets | 1.0216% | 3,488 |
| Return on Equity (ROE) | 6.6171% | 3,473 |
| Retained earnings to average equity (ytd only) | 2.5576% | 3,791 |
| Net charge-offs to loans | 0.0339% | 3,113 |
| Credit loss provision to net charge-offs | 267.8571% | 1,044 |
| Earnings coverage of net charge-offs (x) | 72.2143% | 832 |
| Efficiency ratio | 67.6376% | 2,973 |
| Assets per employee ($millions) | 4.6848% | 2,888 |
| Cash dividends to net income (ytd only)* | 61.3489% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3871% | 1,818 |
| Loan loss allowance to noncurrent loans | 692.3529% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.0885% | 4,680 |
| Noncurrent loans to loans | 0.2003% | 4,108 |
| Net loans and leases to total assets | 43.5642% | 4,997 |
| Net loans and leases to deposits | 49.6482% | 5,070 |
| Net loans and leases to core deposits | 51.4442% | 5,086 |
| Total domestic deposits to total assets | 87.7459% | 1,632 |
| Equity capital to assets | 12.1354% | 1,738 |
| Core capital (leverage) ratio | 12.3029% | 1,444 |
| Tier 1 risk-based capital ratio | 23.2845% | 883 |
| Total risk-based capital ratio | 24.4459% | 873 |
| Memoranda: | ||
| Average total assets | $190,575,600 | 3,010 |
| Average earning assets | $184,013,600 | 2,923 |
| Average equity | $23,303,200 | 2,823 |
| Average total loans | $82,569,200 | 3,688 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2730% | 5,147 |
| Cost of funding earning assets | 0.3006% | 4,127 |
| Net interest margin | 2.9724% | 4,980 |
| Noninterest income to average assets | 0.3778% | 3,825 |
| Noninterest expense to average assets | 2.2313% | 4,463 |
| Loan and lease loss provision to assets | 0.0421% | 3,266 |
| Net operating income to assets | 0.7283% | 3,827 |
| Return on assets (ROA) | 0.7283% | 3,897 |
| Pretax return on assets | 0.9744% | 3,787 |
| Return on Equity (ROE) | 5.9450% | 4,152 |
| Retained earnings to average equity (ytd only) | 4.1427% | 3,443 |
| Net charge-offs to loans | 0.0293% | 2,845 |
| Credit loss provision to net charge-offs | 333.3333% | 894 |
| Earnings coverage of net charge-offs (x) | 80.5538% | 809 |
| Efficiency ratio | 68.7028% | 2,755 |
| Assets per employee ($millions) | 4.9093% | 2,567 |
| Cash dividends to net income (ytd only)* | 30.3176% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3715% | 2,016 |
| Loan loss allowance to noncurrent loans | 210.4129% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 0.2909% | 3,899 |
| Noncurrent loans to loans | 0.6518% | 2,757 |
| Net loans and leases to total assets | 44.0210% | 5,024 |
| Net loans and leases to deposits | 50.5221% | 5,107 |
| Net loans and leases to core deposits | 52.7639% | 5,113 |
| Total domestic deposits to total assets | 87.1321% | 1,804 |
| Equity capital to assets | 12.4386% | 1,689 |
| Core capital (leverage) ratio | 12.3446% | 1,488 |
| Tier 1 risk-based capital ratio | 26.6787% | 636 |
| Total risk-based capital ratio | 27.9295% | 623 |
| Memoranda: | ||
| Average total assets | $190,200,750 | 3,045 |
| Average earning assets | $183,640,750 | 2,951 |
| Average equity | $23,301,750 | 2,853 |
| Average total loans | $81,998,250 | 3,730 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2010% | 5,239 |
| Cost of funding earning assets | 0.2944% | 4,136 |
| Net interest margin | 2.9066% | 5,087 |
| Noninterest income to average assets | 0.3773% | 3,854 |
| Noninterest expense to average assets | 2.1751% | 4,612 |
| Loan and lease loss provision to assets | 0.0474% | 3,042 |
| Net operating income to assets | 0.7279% | 3,719 |
| Return on assets (ROA) | 0.7272% | 3,790 |
| Pretax return on assets | 0.9632% | 3,713 |
| Return on Equity (ROE) | 5.9661% | 4,065 |
| Retained earnings to average equity (ytd only) | 3.2424% | 3,783 |
| Net charge-offs to loans | 0.0544% | 2,153 |
| Credit loss provision to net charge-offs | 204.5455% | 1,252 |
| Earnings coverage of net charge-offs (x) | 43.6364% | 1,188 |
| Efficiency ratio | 68.2540% | 2,962 |
| Assets per employee ($millions) | 5.0207% | 2,364 |
| Cash dividends to net income (ytd only)* | 45.6522% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3706% | 2,086 |
| Loan loss allowance to noncurrent loans | 205.1601% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 0.2911% | 3,973 |
| Noncurrent loans to loans | 0.6681% | 2,747 |
| Net loans and leases to total assets | 42.3721% | 5,125 |
| Net loans and leases to deposits | 48.3443% | 5,201 |
| Net loans and leases to core deposits | 50.4245% | 5,208 |
| Total domestic deposits to total assets | 87.6466% | 1,642 |
| Equity capital to assets | 12.0000% | 1,927 |
| Core capital (leverage) ratio | 12.4667% | 1,386 |
| Tier 1 risk-based capital ratio | 23.0639% | 945 |
| Total risk-based capital ratio | 24.2018% | 941 |
| Memoranda: | ||
| Average total assets | $189,780,670 | 3,060 |
| Average earning assets | $183,441,670 | 2,972 |
| Average equity | $23,130,670 | 2,871 |
| Average total loans | $80,846,000 | 3,774 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1441% | 5,317 |
| Cost of funding earning assets | 0.2927% | 4,119 |
| Net interest margin | 2.8514% | 5,162 |
| Noninterest income to average assets | 0.3748% | 3,842 |
| Noninterest expense to average assets | 2.2616% | 4,502 |
| Loan and lease loss provision to assets | 0.0643% | 2,515 |
| Net operating income to assets | 0.5740% | 4,263 |
| Return on assets (ROA) | 0.5740% | 4,308 |
| Pretax return on assets | 0.8031% | 4,100 |
| Return on Equity (ROE) | 4.6715% | 4,528 |
| Retained earnings to average equity (ytd only) | 4.6715% | 3,075 |
| Net charge-offs to loans | -0.0101% | 4,427 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2793% | 2,524 |
| Assets per employee ($millions) | 4.6547% | 2,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4592% | 1,833 |
| Loan loss allowance to noncurrent loans | 166.0000% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 0.3760% | 3,696 |
| Noncurrent loans to loans | 0.8791% | 2,277 |
| Net loans and leases to total assets | 42.1453% | 5,152 |
| Net loans and leases to deposits | 48.2859% | 5,206 |
| Net loans and leases to core deposits | 50.4018% | 5,205 |
| Total domestic deposits to total assets | 87.2827% | 2,080 |
| Equity capital to assets | 12.4402% | 1,577 |
| Core capital (leverage) ratio | 12.4450% | 1,363 |
| Tier 1 risk-based capital ratio | 24.1172% | 856 |
| Total risk-based capital ratio | 25.3219% | 844 |
| Memoranda: | ||
| Average total assets | $186,767,000 | 3,122 |
| Average earning assets | $180,402,500 | 3,031 |
| Average equity | $22,947,500 | 2,898 |
| Average total loans | $79,208,500 | 3,831 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1612% | 5,349 |
| Cost of funding earning assets | 0.2938% | 4,133 |
| Net interest margin | 2.8674% | 5,187 |
| Noninterest income to average assets | 0.3987% | 3,894 |
| Noninterest expense to average assets | 2.1152% | 4,976 |
| Loan and lease loss provision to assets | 0.0639% | 3,099 |
| Net operating income to assets | 0.7687% | 3,458 |
| Return on assets (ROA) | 0.7803% | 3,504 |
| Pretax return on assets | 1.0028% | 3,468 |
| Return on Equity (ROE) | 6.2475% | 3,869 |
| Retained earnings to average equity (ytd only) | 2.2160% | 4,273 |
| Net charge-offs to loans | 0.0280% | 3,471 |
| Credit loss provision to net charge-offs | 545.4545% | 614 |
| Earnings coverage of net charge-offs (x) | 89.8182% | 657 |
| Efficiency ratio | 66.7899% | 3,472 |
| Assets per employee ($millions) | 4.2579% | 3,515 |
| Cash dividends to net income (ytd only)* | 64.5293% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4343% | 1,941 |
| Loan loss allowance to noncurrent loans | 239.4068% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 0.2519% | 4,297 |
| Noncurrent loans to loans | 0.5991% | 3,055 |
| Net loans and leases to total assets | 41.4504% | 5,256 |
| Net loans and leases to deposits | 47.2673% | 5,322 |
| Net loans and leases to core deposits | 49.3135% | 5,321 |
| Total domestic deposits to total assets | 87.6934% | 1,794 |
| Equity capital to assets | 12.1342% | 1,716 |
| Core capital (leverage) ratio | 12.1510% | 1,509 |
| Tier 1 risk-based capital ratio | 23.6893% | 898 |
| Total risk-based capital ratio | 24.8535% | 893 |
| Memoranda: | ||
| Average total assets | $187,879,200 | 3,082 |
| Average earning assets | $181,385,600 | 3,001 |
| Average equity | $23,465,400 | 2,850 |
| Average total loans | $78,517,400 | 3,840 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1616% | 5,418 |
| Cost of funding earning assets | 0.2922% | 4,189 |
| Net interest margin | 2.8694% | 5,233 |
| Noninterest income to average assets | 0.4014% | 3,913 |
| Noninterest expense to average assets | 2.1601% | 4,865 |
| Loan and lease loss provision to assets | 0.0638% | 2,959 |
| Net operating income to assets | 0.7127% | 3,778 |
| Return on assets (ROA) | 0.7276% | 3,838 |
| Pretax return on assets | 0.9687% | 3,745 |
| Return on Equity (ROE) | 5.7846% | 4,176 |
| Retained earnings to average equity (ytd only) | 4.0086% | 3,449 |
| Net charge-offs to loans | -0.0102% | 4,773 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0823% | 3,211 |
| Assets per employee ($millions) | 4.2758% | 3,455 |
| Cash dividends to net income (ytd only)* | 30.7017% | 2,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4184% | 2,119 |
| Loan loss allowance to noncurrent loans | 197.5482% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 0.3035% | 4,201 |
| Noncurrent loans to loans | 0.7180% | 2,882 |
| Net loans and leases to total assets | 41.6726% | 5,310 |
| Net loans and leases to deposits | 48.1904% | 5,372 |
| Net loans and leases to core deposits | 50.9972% | 5,350 |
| Total domestic deposits to total assets | 86.4750% | 2,140 |
| Equity capital to assets | 12.8005% | 1,595 |
| Core capital (leverage) ratio | 12.3536% | 1,463 |
| Tier 1 risk-based capital ratio | 23.7730% | 922 |
| Total risk-based capital ratio | 24.9295% | 915 |
| Memoranda: | ||
| Average total assets | $188,012,250 | 3,090 |
| Average earning assets | $181,589,000 | 3,014 |
| Average equity | $23,648,500 | 2,849 |
| Average total loans | $78,450,250 | 3,866 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1621% | 5,486 |
| Cost of funding earning assets | 0.2922% | 4,221 |
| Net interest margin | 2.8699% | 5,313 |
| Noninterest income to average assets | 0.3969% | 3,890 |
| Noninterest expense to average assets | 2.1727% | 4,906 |
| Loan and lease loss provision to assets | 0.0638% | 2,872 |
| Net operating income to assets | 0.7068% | 3,757 |
| Return on assets (ROA) | 0.7214% | 3,847 |
| Pretax return on assets | 0.9491% | 3,776 |
| Return on Equity (ROE) | 5.7692% | 4,161 |
| Retained earnings to average equity (ytd only) | 3.0888% | 3,937 |
| Net charge-offs to loans | -0.0128% | 4,779 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,130 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6156% | 3,222 |
| Assets per employee ($millions) | 4.4285% | 3,165 |
| Cash dividends to net income (ytd only)* | 46.4602% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4108% | 2,243 |
| Loan loss allowance to noncurrent loans | 174.6815% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 0.3298% | 4,179 |
| Noncurrent loans to loans | 0.8076% | 2,732 |
| Net loans and leases to total assets | 40.2585% | 5,407 |
| Net loans and leases to deposits | 46.4340% | 5,487 |
| Net loans and leases to core deposits | 49.0948% | 5,464 |
| Total domestic deposits to total assets | 86.7004% | 2,061 |
| Equity capital to assets | 12.5933% | 1,713 |
| Core capital (leverage) ratio | 12.1811% | 1,518 |
| Tier 1 risk-based capital ratio | 18.3913% | 1,828 |
| Total risk-based capital ratio | 19.2746% | 1,891 |
| Memoranda: | ||
| Average total assets | $187,972,000 | 3,110 |
| Average earning assets | $181,397,330 | 3,031 |
| Average equity | $23,504,000 | 2,872 |
| Average total loans | $78,091,000 | 3,900 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1857% | 5,502 |
| Cost of funding earning assets | 0.2910% | 4,270 |
| Net interest margin | 2.8947% | 5,329 |
| Noninterest income to average assets | 0.3813% | 3,978 |
| Noninterest expense to average assets | 2.1634% | 4,993 |
| Loan and lease loss provision to assets | 0.0643% | 2,670 |
| Net operating income to assets | 0.7173% | 3,624 |
| Return on assets (ROA) | 0.7368% | 3,659 |
| Pretax return on assets | 0.9703% | 3,577 |
| Return on Equity (ROE) | 5.9143% | 4,029 |
| Retained earnings to average equity (ytd only) | 5.9143% | 2,415 |
| Net charge-offs to loans | -0.0204% | 4,872 |
| Credit loss provision to net charge-offs | -750.0000% | 4,671 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1972% | 3,432 |
| Assets per employee ($millions) | 4.4204% | 3,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3852% | 2,497 |
| Loan loss allowance to noncurrent loans | 209.8425% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.2763% | 4,450 |
| Noncurrent loans to loans | 0.6601% | 3,194 |
| Net loans and leases to total assets | 40.8785% | 5,406 |
| Net loans and leases to deposits | 47.1508% | 5,459 |
| Net loans and leases to core deposits | 48.6824% | 5,488 |
| Total domestic deposits to total assets | 86.6974% | 2,358 |
| Equity capital to assets | 12.7468% | 1,535 |
| Core capital (leverage) ratio | 12.3053% | 1,432 |
| Tier 1 risk-based capital ratio | 23.9956% | 915 |
| Total risk-based capital ratio | 25.1165% | 919 |
| Memoranda: | ||
| Average total assets | $186,744,500 | 3,128 |
| Average earning assets | $180,055,000 | 3,045 |
| Average equity | $23,265,500 | 2,897 |
| Average total loans | $78,256,500 | 3,905 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1601% | 5,563 |
| Cost of funding earning assets | 0.3018% | 4,229 |
| Net interest margin | 2.8584% | 5,403 |
| Noninterest income to average assets | 0.3476% | 4,420 |
| Noninterest expense to average assets | 2.1456% | 5,159 |
| Loan and lease loss provision to assets | 0.0634% | 3,029 |
| Net operating income to assets | 0.7126% | 3,754 |
| Return on assets (ROA) | 0.7312% | 3,763 |
| Pretax return on assets | 0.9193% | 3,767 |
| Return on Equity (ROE) | 6.0388% | 4,017 |
| Retained earnings to average equity (ytd only) | 1.9111% | 4,638 |
| Net charge-offs to loans | 0.3548% | 835 |
| Credit loss provision to net charge-offs | 42.1053% | 3,504 |
| Earnings coverage of net charge-offs (x) | 6.3719% | 3,239 |
| Efficiency ratio | 69.0999% | 3,380 |
| Assets per employee ($millions) | 4.4722% | 3,087 |
| Cash dividends to net income (ytd only)* | 68.3526% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2985% | 2,913 |
| Loan loss allowance to noncurrent loans | 170.7438% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 0.3248% | 4,289 |
| Noncurrent loans to loans | 0.7605% | 2,899 |
| Net loans and leases to total assets | 41.8034% | 5,420 |
| Net loans and leases to deposits | 47.7691% | 5,494 |
| Net loans and leases to core deposits | 49.2873% | 5,526 |
| Total domestic deposits to total assets | 87.5113% | 1,877 |
| Equity capital to assets | 12.1735% | 1,830 |
| Core capital (leverage) ratio | 11.7273% | 1,800 |
| Tier 1 risk-based capital ratio | 22.9308% | 1,021 |
| Total risk-based capital ratio | 23.9891% | 1,034 |
| Memoranda: | ||
| Average total assets | $189,274,800 | 3,063 |
| Average earning assets | $182,587,200 | 2,969 |
| Average equity | $22,918,400 | 2,884 |
| Average total loans | $80,318,800 | 3,818 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1434% | 5,652 |
| Cost of funding earning assets | 0.3028% | 4,310 |
| Net interest margin | 2.8405% | 5,513 |
| Noninterest income to average assets | 0.3663% | 4,309 |
| Noninterest expense to average assets | 2.1100% | 5,254 |
| Loan and lease loss provision to assets | 0.0633% | 2,918 |
| Net operating income to assets | 0.7034% | 3,889 |
| Return on assets (ROA) | 0.7108% | 3,964 |
| Pretax return on assets | 0.9464% | 3,826 |
| Return on Equity (ROE) | 5.8782% | 4,208 |
| Retained earnings to average equity (ytd only) | 4.0467% | 3,578 |
| Net charge-offs to loans | 0.4372% | 580 |
| Credit loss provision to net charge-offs | 34.0909% | 3,231 |
| Earnings coverage of net charge-offs (x) | 5.3864% | 3,210 |
| Efficiency ratio | 67.8499% | 3,576 |
| Assets per employee ($millions) | 4.7415% | 2,638 |
| Cash dividends to net income (ytd only)* | 31.1572% | 2,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2850% | 3,178 |
| Loan loss allowance to noncurrent loans | 155.6231% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 0.4413% | 4,020 |
| Noncurrent loans to loans | 0.8257% | 2,906 |
| Net loans and leases to total assets | 41.4756% | 5,517 |
| Net loans and leases to deposits | 47.6870% | 5,585 |
| Net loans and leases to core deposits | 50.6954% | 5,553 |
| Total domestic deposits to total assets | 86.9747% | 2,055 |
| Equity capital to assets | 12.3679% | 1,816 |
| Core capital (leverage) ratio | 12.0344% | 1,654 |
| Tier 1 risk-based capital ratio | 23.1300% | 1,039 |
| Total risk-based capital ratio | 24.1718% | 1,048 |
| Memoranda: | ||
| Average total assets | $189,635,000 | 3,082 |
| Average earning assets | $183,153,250 | 2,994 |
| Average equity | $22,931,500 | 2,905 |
| Average total loans | $80,510,000 | 3,839 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1234% | 5,715 |
| Cost of funding earning assets | 0.3057% | 4,337 |
| Net interest margin | 2.8177% | 5,577 |
| Noninterest income to average assets | 0.3597% | 4,371 |
| Noninterest expense to average assets | 2.1210% | 5,293 |
| Loan and lease loss provision to assets | 0.0633% | 2,854 |
| Net operating income to assets | 0.6766% | 3,991 |
| Return on assets (ROA) | 0.6877% | 4,060 |
| Pretax return on assets | 0.9123% | 3,909 |
| Return on Equity (ROE) | 5.7299% | 4,266 |
| Retained earnings to average equity (ytd only) | 2.9616% | 4,152 |
| Net charge-offs to loans | 0.6264% | 371 |
| Credit loss provision to net charge-offs | 23.7154% | 2,980 |
| Earnings coverage of net charge-offs (x) | 3.6008% | 3,169 |
| Efficiency ratio | 68.8227% | 3,526 |
| Assets per employee ($millions) | 4.6794% | 2,705 |
| Cash dividends to net income (ytd only)* | 48.3129% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2431% | 3,540 |
| Loan loss allowance to noncurrent loans | 139.5833% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 0.4660% | 4,070 |
| Noncurrent loans to loans | 0.8906% | 2,903 |
| Net loans and leases to total assets | 41.6145% | 5,528 |
| Net loans and leases to deposits | 47.4729% | 5,613 |
| Net loans and leases to core deposits | 50.3732% | 5,598 |
| Total domestic deposits to total assets | 87.6594% | 1,809 |
| Equity capital to assets | 11.8694% | 2,126 |
| Core capital (leverage) ratio | 11.7426% | 1,812 |
| Tier 1 risk-based capital ratio | 22.3687% | 1,152 |
| Total risk-based capital ratio | 23.3735% | 1,170 |
| Memoranda: | ||
| Average total assets | $189,628,000 | 3,104 |
| Average earning assets | $183,200,330 | 3,012 |
| Average equity | $22,758,000 | 2,931 |
| Average total loans | $80,784,330 | 3,854 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1092% | 5,770 |
| Cost of funding earning assets | 0.3054% | 4,381 |
| Net interest margin | 2.8038% | 5,630 |
| Noninterest income to average assets | 0.3543% | 4,362 |
| Noninterest expense to average assets | 2.0603% | 5,471 |
| Loan and lease loss provision to assets | 0.0637% | 2,653 |
| Net operating income to assets | 0.7045% | 3,775 |
| Return on assets (ROA) | 0.7045% | 3,900 |
| Pretax return on assets | 0.9379% | 3,752 |
| Return on Equity (ROE) | 5.8371% | 4,117 |
| Retained earnings to average equity (ytd only) | 5.8371% | 2,586 |
| Net charge-offs to loans | 1.3027% | 156 |
| Credit loss provision to net charge-offs | 11.4068% | 2,426 |
| Earnings coverage of net charge-offs (x) | 1.7947% | 2,865 |
| Efficiency ratio | 67.2904% | 3,936 |
| Assets per employee ($millions) | 4.7969% | 2,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2062% | 3,947 |
| Loan loss allowance to noncurrent loans | 145.3313% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 0.4435% | 4,265 |
| Noncurrent loans to loans | 0.8300% | 3,169 |
| Net loans and leases to total assets | 41.1930% | 5,535 |
| Net loans and leases to deposits | 47.1214% | 5,613 |
| Net loans and leases to core deposits | 50.1195% | 5,586 |
| Total domestic deposits to total assets | 87.4189% | 2,156 |
| Equity capital to assets | 12.0219% | 2,011 |
| Core capital (leverage) ratio | 11.5905% | 1,938 |
| Tier 1 risk-based capital ratio | 13.3996% | 4,374 |
| Total risk-based capital ratio | 13.9962% | 4,679 |
| Memoranda: | ||
| Average total assets | $188,515,000 | 3,135 |
| Average earning assets | $182,040,000 | 3,046 |
| Average equity | $22,751,000 | 2,952 |
| Average total loans | $80,754,500 | 3,868 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1397% | 5,910 |
| Cost of funding earning assets | 0.3269% | 4,526 |
| Net interest margin | 2.8128% | 5,785 |
| Noninterest income to average assets | 0.3871% | 4,280 |
| Noninterest expense to average assets | 2.0583% | 5,662 |
| Loan and lease loss provision to assets | 0.0688% | 3,110 |
| Net operating income to assets | 0.7648% | 3,540 |
| Return on assets (ROA) | 0.7690% | 3,625 |
| Pretax return on assets | 0.9683% | 3,619 |
| Return on Equity (ROE) | 6.5800% | 3,856 |
| Retained earnings to average equity (ytd only) | 2.2989% | 4,598 |
| Net charge-offs to loans | 0.0833% | 3,302 |
| Credit loss provision to net charge-offs | 196.9697% | 1,254 |
| Earnings coverage of net charge-offs (x) | 29.5606% | 1,356 |
| Efficiency ratio | 66.6096% | 4,131 |
| Assets per employee ($millions) | 4.8725% | 2,502 |
| Cash dividends to net income (ytd only)* | 65.0619% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4698% | 2,608 |
| Loan loss allowance to noncurrent loans | 173.3719% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 0.4742% | 4,222 |
| Noncurrent loans to loans | 0.8478% | 3,192 |
| Net loans and leases to total assets | 43.3728% | 5,504 |
| Net loans and leases to deposits | 49.5643% | 5,601 |
| Net loans and leases to core deposits | 51.1568% | 5,653 |
| Total domestic deposits to total assets | 87.5083% | 2,031 |
| Equity capital to assets | 12.1169% | 1,934 |
| Core capital (leverage) ratio | 11.6631% | 1,852 |
| Tier 1 risk-based capital ratio | 22.0704% | 1,215 |
| Total risk-based capital ratio | 23.2795% | 1,197 |
| Memoranda: | ||
| Average total assets | $189,088,000 | 3,110 |
| Average earning assets | $181,702,800 | 3,018 |
| Average equity | $22,097,200 | 2,939 |
| Average total loans | $79,219,200 | 3,895 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1061% | 6,024 |
| Cost of funding earning assets | 0.3286% | 4,577 |
| Net interest margin | 2.7776% | 5,899 |
| Noninterest income to average assets | 0.3592% | 4,562 |
| Noninterest expense to average assets | 2.0167% | 5,742 |
| Loan and lease loss provision to assets | 0.0701% | 2,946 |
| Net operating income to assets | 0.7046% | 3,919 |
| Return on assets (ROA) | 0.7057% | 4,017 |
| Pretax return on assets | 0.9421% | 3,819 |
| Return on Equity (ROE) | 6.0933% | 4,187 |
| Retained earnings to average equity (ytd only) | 4.1853% | 3,670 |
| Net charge-offs to loans | 0.0712% | 3,183 |
| Credit loss provision to net charge-offs | 238.0952% | 1,099 |
| Earnings coverage of net charge-offs (x) | 34.3088% | 1,255 |
| Efficiency ratio | 66.6126% | 4,113 |
| Assets per employee ($millions) | 4.6232% | 2,779 |
| Cash dividends to net income (ytd only)* | 31.3122% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4834% | 2,808 |
| Loan loss allowance to noncurrent loans | 143.9614% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 0.5489% | 4,211 |
| Noncurrent loans to loans | 1.0304% | 3,012 |
| Net loans and leases to total assets | 42.8085% | 5,609 |
| Net loans and leases to deposits | 49.0626% | 5,698 |
| Net loans and leases to core deposits | 52.6780% | 5,642 |
| Total domestic deposits to total assets | 87.2527% | 2,177 |
| Equity capital to assets | 12.1951% | 1,914 |
| Core capital (leverage) ratio | 11.7220% | 1,898 |
| Tier 1 risk-based capital ratio | 22.4906% | 1,187 |
| Total risk-based capital ratio | 23.7064% | 1,178 |
| Memoranda: | ||
| Average total assets | $190,071,250 | 3,128 |
| Average earning assets | $182,601,250 | 3,026 |
| Average equity | $22,012,750 | 2,951 |
| Average total loans | $78,647,750 | 3,940 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0284% | 6,148 |
| Cost of funding earning assets | 0.3270% | 4,675 |
| Net interest margin | 2.7014% | 6,051 |
| Noninterest income to average assets | 0.3473% | 4,653 |
| Noninterest expense to average assets | 2.0127% | 5,819 |
| Loan and lease loss provision to assets | 0.0730% | 2,809 |
| Net operating income to assets | 0.6413% | 4,146 |
| Return on assets (ROA) | 0.6413% | 4,246 |
| Pretax return on assets | 0.8635% | 4,022 |
| Return on Equity (ROE) | 5.6337% | 4,365 |
| Retained earnings to average equity (ytd only) | 2.7481% | 4,451 |
| Net charge-offs to loans | 0.1178% | 2,488 |
| Credit loss provision to net charge-offs | 152.1739% | 1,441 |
| Earnings coverage of net charge-offs (x) | 19.5217% | 1,620 |
| Efficiency ratio | 68.2461% | 3,962 |
| Assets per employee ($millions) | 5.0063% | 2,209 |
| Cash dividends to net income (ytd only)* | 51.2195% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4503% | 3,108 |
| Loan loss allowance to noncurrent loans | 58.1325% | 4,877 |
| Noncurrent assets plus other real estate owned to assets | 1.1585% | 2,763 |
| Noncurrent loans to loans | 2.4947% | 1,246 |
| Net loans and leases to total assets | 40.3030% | 5,791 |
| Net loans and leases to deposits | 45.7261% | 5,894 |
| Net loans and leases to core deposits | 48.6597% | 5,867 |
| Total domestic deposits to total assets | 88.1401% | 1,825 |
| Equity capital to assets | 11.3841% | 2,524 |
| Core capital (leverage) ratio | 11.3755% | 2,100 |
| Tier 1 risk-based capital ratio | 21.6529% | 1,320 |
| Total risk-based capital ratio | 22.8106% | 1,310 |
| Memoranda: | ||
| Average total assets | $191,786,330 | 3,127 |
| Average earning assets | $184,720,330 | 3,016 |
| Average equity | $21,833,000 | 2,969 |
| Average total loans | $78,078,330 | 3,973 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0512% | 6,181 |
| Cost of funding earning assets | 0.3300% | 4,734 |
| Net interest margin | 2.7212% | 6,078 |
| Noninterest income to average assets | 0.3431% | 4,631 |
| Noninterest expense to average assets | 1.9847% | 5,913 |
| Loan and lease loss provision to assets | 0.0631% | 2,860 |
| Net operating income to assets | 0.6819% | 3,776 |
| Return on assets (ROA) | 0.6819% | 3,853 |
| Pretax return on assets | 0.9155% | 3,645 |
| Return on Equity (ROE) | 5.9900% | 4,030 |
| Retained earnings to average equity (ytd only) | 5.9900% | 2,551 |
| Net charge-offs to loans | 0.1140% | 2,037 |
| Credit loss provision to net charge-offs | 136.3636% | 1,328 |
| Earnings coverage of net charge-offs (x) | 21.1364% | 1,307 |
| Efficiency ratio | 66.9744% | 4,370 |
| Assets per employee ($millions) | 5.1917% | 2,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4867% | 3,196 |
| Loan loss allowance to noncurrent loans | 125.7709% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 0.5752% | 4,422 |
| Noncurrent loans to loans | 1.1820% | 3,072 |
| Net loans and leases to total assets | 39.3948% | 5,852 |
| Net loans and leases to deposits | 44.6782% | 5,935 |
| Net loans and leases to core deposits | 47.5632% | 5,899 |
| Total domestic deposits to total assets | 88.1745% | 2,126 |
| Equity capital to assets | 11.4340% | 2,304 |
| Core capital (leverage) ratio | 11.4043% | 2,047 |
| Tier 1 risk-based capital ratio | 22.4207% | 1,224 |
| Total risk-based capital ratio | 23.6015% | 1,217 |
| Memoranda: | ||
| Average total assets | $190,056,500 | 3,169 |
| Average earning assets | $183,009,500 | 3,063 |
| Average equity | $21,636,000 | 2,983 |
| Average total loans | $77,193,500 | 4,020 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2150% | 6,119 |
| Cost of funding earning assets | 0.3555% | 5,087 |
| Net interest margin | 2.8596% | 5,883 |
| Noninterest income to average assets | 0.3544% | 4,775 |
| Noninterest expense to average assets | 1.9372% | 6,128 |
| Loan and lease loss provision to assets | 0.0650% | 3,827 |
| Net operating income to assets | 0.8506% | 3,029 |
| Return on assets (ROA) | 0.8502% | 3,111 |
| Pretax return on assets | 1.0849% | 3,006 |
| Return on Equity (ROE) | 7.1789% | 3,466 |
| Retained earnings to average equity (ytd only) | 2.8505% | 4,219 |
| Net charge-offs to loans | 0.1268% | 3,549 |
| Credit loss provision to net charge-offs | 126.3158% | 1,868 |
| Earnings coverage of net charge-offs (x) | 22.3474% | 1,453 |
| Efficiency ratio | 62.7413% | 5,096 |
| Assets per employee ($millions) | 4.9479% | 2,242 |
| Cash dividends to net income (ytd only)* | 60.2932% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4619% | 3,367 |
| Loan loss allowance to noncurrent loans | 94.9749% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 0.7510% | 4,005 |
| Noncurrent loans to loans | 1.5393% | 2,586 |
| Net loans and leases to total assets | 40.6533% | 5,916 |
| Net loans and leases to deposits | 45.9666% | 6,014 |
| Net loans and leases to core deposits | 47.0477% | 6,089 |
| Total domestic deposits to total assets | 88.4411% | 1,929 |
| Equity capital to assets | 11.3329% | 2,313 |
| Core capital (leverage) ratio | 11.5280% | 1,944 |
| Tier 1 risk-based capital ratio | 22.0591% | 1,246 |
| Total risk-based capital ratio | 23.2302% | 1,240 |
| Memoranda: | ||
| Average total assets | $184,540,600 | 3,227 |
| Average earning assets | $176,390,800 | 3,123 |
| Average equity | $21,855,600 | 2,940 |
| Average total loans | $74,937,200 | 4,095 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2428% | 6,146 |
| Cost of funding earning assets | 0.3596% | 5,202 |
| Net interest margin | 2.8831% | 5,852 |
| Noninterest income to average assets | 0.3390% | 4,982 |
| Noninterest expense to average assets | 1.9092% | 6,169 |
| Loan and lease loss provision to assets | 0.0581% | 3,885 |
| Net operating income to assets | 0.8566% | 3,064 |
| Return on assets (ROA) | 0.8566% | 3,179 |
| Pretax return on assets | 1.1244% | 3,002 |
| Return on Equity (ROE) | 7.1538% | 3,558 |
| Retained earnings to average equity (ytd only) | 5.2441% | 2,904 |
| Net charge-offs to loans | 0.1256% | 3,267 |
| Credit loss provision to net charge-offs | 114.2857% | 2,056 |
| Earnings coverage of net charge-offs (x) | 23.2717% | 1,469 |
| Efficiency ratio | 61.7516% | 5,172 |
| Assets per employee ($millions) | 4.6626% | 2,630 |
| Cash dividends to net income (ytd only)* | 26.6950% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4830% | 3,520 |
| Loan loss allowance to noncurrent loans | 154.5580% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 0.5180% | 4,889 |
| Noncurrent loans to loans | 0.9595% | 3,897 |
| Net loans and leases to total assets | 40.8802% | 5,969 |
| Net loans and leases to deposits | 46.7182% | 6,051 |
| Net loans and leases to core deposits | 49.4834% | 6,040 |
| Total domestic deposits to total assets | 87.5039% | 2,416 |
| Equity capital to assets | 11.9868% | 1,925 |
| Core capital (leverage) ratio | 11.7824% | 1,832 |
| Tier 1 risk-based capital ratio | 23.1426% | 1,119 |
| Total risk-based capital ratio | 24.3414% | 1,116 |
| Memoranda: | ||
| Average total assets | $183,671,000 | 3,263 |
| Average earning assets | $175,360,250 | 3,169 |
| Average equity | $21,992,500 | 2,965 |
| Average total loans | $74,279,000 | 4,140 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2347% | 6,182 |
| Cost of funding earning assets | 0.3607% | 5,310 |
| Net interest margin | 2.8740% | 5,842 |
| Noninterest income to average assets | 0.3516% | 4,877 |
| Noninterest expense to average assets | 1.8960% | 6,227 |
| Loan and lease loss provision to assets | 0.0543% | 3,909 |
| Net operating income to assets | 0.8579% | 3,005 |
| Return on assets (ROA) | 0.8563% | 3,161 |
| Pretax return on assets | 1.1406% | 2,925 |
| Return on Equity (ROE) | 7.1540% | 3,513 |
| Retained earnings to average equity (ytd only) | 4.2978% | 3,552 |
| Net charge-offs to loans | 0.1299% | 3,076 |
| Credit loss provision to net charge-offs | 104.1667% | 2,116 |
| Earnings coverage of net charge-offs (x) | 22.9792% | 1,348 |
| Efficiency ratio | 61.2982% | 5,281 |
| Assets per employee ($millions) | 4.6831% | 2,540 |
| Cash dividends to net income (ytd only)* | 39.9240% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4818% | 3,664 |
| Loan loss allowance to noncurrent loans | 107.5508% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 0.6881% | 4,506 |
| Noncurrent loans to loans | 1.3778% | 3,243 |
| Net loans and leases to total assets | 39.4310% | 6,078 |
| Net loans and leases to deposits | 44.7733% | 6,180 |
| Net loans and leases to core deposits | 47.1995% | 6,166 |
| Total domestic deposits to total assets | 88.0681% | 2,198 |
| Equity capital to assets | 11.4765% | 2,318 |
| Core capital (leverage) ratio | 11.5662% | 1,882 |
| Tier 1 risk-based capital ratio | 22.4367% | 1,212 |
| Total risk-based capital ratio | 23.6119% | 1,206 |
| Memoranda: | ||
| Average total assets | $184,281,000 | 3,275 |
| Average earning assets | $175,783,000 | 3,177 |
| Average equity | $22,057,670 | 2,979 |
| Average total loans | $73,886,670 | 4,177 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2729% | 6,204 |
| Cost of funding earning assets | 0.3688% | 5,382 |
| Net interest margin | 2.9041% | 5,800 |
| Noninterest income to average assets | 0.3546% | 4,841 |
| Noninterest expense to average assets | 2.1077% | 5,900 |
| Loan and lease loss provision to assets | 0.0525% | 3,743 |
| Net operating income to assets | 0.7168% | 3,613 |
| Return on assets (ROA) | 0.7069% | 3,792 |
| Pretax return on assets | 0.9389% | 3,617 |
| Return on Equity (ROE) | 5.7840% | 4,159 |
| Retained earnings to average equity (ytd only) | 5.7840% | 2,794 |
| Net charge-offs to loans | 0.1091% | 2,783 |
| Credit loss provision to net charge-offs | 120.0000% | 1,595 |
| Earnings coverage of net charge-offs (x) | 22.9500% | 1,122 |
| Efficiency ratio | 67.7215% | 4,364 |
| Assets per employee ($millions) | 4.8737% | 2,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5320% | 3,694 |
| Loan loss allowance to noncurrent loans | 161.0709% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 0.5238% | 5,084 |
| Noncurrent loans to loans | 0.9511% | 4,237 |
| Net loans and leases to total assets | 38.6272% | 6,108 |
| Net loans and leases to deposits | 44.3674% | 6,174 |
| Net loans and leases to core deposits | 47.0635% | 6,151 |
| Total domestic deposits to total assets | 87.0622% | 2,925 |
| Equity capital to assets | 12.1214% | 1,956 |
| Core capital (leverage) ratio | 11.7604% | 1,700 |
| Tier 1 risk-based capital ratio | 22.9732% | 1,163 |
| Total risk-based capital ratio | 24.1884% | 1,146 |
| Memoranda: | ||
| Average total assets | $182,760,500 | 3,313 |
| Average earning assets | $173,548,500 | 3,225 |
| Average equity | $22,337,500 | 2,991 |
| Average total loans | $73,343,000 | 4,224 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4843% | 6,373 |
| Cost of funding earning assets | 0.4631% | 5,471 |
| Net interest margin | 3.0212% | 6,006 |
| Noninterest income to average assets | 0.3884% | 4,698 |
| Noninterest expense to average assets | 2.1877% | 5,949 |
| Loan and lease loss provision to assets | 0.0285% | 5,539 |
| Net operating income to assets | 0.8598% | 3,002 |
| Return on assets (ROA) | 0.8612% | 3,237 |
| Pretax return on assets | 1.0465% | 3,368 |
| Return on Equity (ROE) | 6.8560% | 3,724 |
| Retained earnings to average equity (ytd only) | 2.6471% | 4,370 |
| Net charge-offs to loans | -0.0099% | 6,460 |
| Credit loss provision to net charge-offs | -714.2857% | 6,552 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0864% | 4,314 |
| Assets per employee ($millions) | 4.5080% | 2,948 |
| Cash dividends to net income (ytd only)* | 61.3907% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4979% | 3,754 |
| Loan loss allowance to noncurrent loans | 106.7372% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 0.7309% | 4,649 |
| Noncurrent loans to loans | 1.4034% | 3,494 |
| Net loans and leases to total assets | 40.4425% | 6,142 |
| Net loans and leases to deposits | 46.5642% | 6,212 |
| Net loans and leases to core deposits | 47.9767% | 6,274 |
| Total domestic deposits to total assets | 86.8534% | 2,909 |
| Equity capital to assets | 12.3259% | 1,845 |
| Core capital (leverage) ratio | 11.8006% | 1,667 |
| Tier 1 risk-based capital ratio | 22.6731% | 1,156 |
| Total risk-based capital ratio | 23.8856% | 1,144 |
| Memoranda: | ||
| Average total assets | $175,340,600 | 3,374 |
| Average earning assets | $166,720,600 | 3,276 |
| Average equity | $22,024,400 | 2,970 |
| Average total loans | $70,928,200 | 4,331 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5028% | 6,508 |
| Cost of funding earning assets | 0.4838% | 5,545 |
| Net interest margin | 3.0190% | 6,130 |
| Noninterest income to average assets | 0.3883% | 4,727 |
| Noninterest expense to average assets | 2.1704% | 6,018 |
| Loan and lease loss provision to assets | 0.0383% | 5,297 |
| Net operating income to assets | 0.8084% | 3,411 |
| Return on assets (ROA) | 0.8072% | 3,659 |
| Pretax return on assets | 1.0599% | 3,502 |
| Return on Equity (ROE) | 6.3953% | 4,120 |
| Retained earnings to average equity (ytd only) | 4.4840% | 3,742 |
| Net charge-offs to loans | 0.0380% | 5,119 |
| Credit loss provision to net charge-offs | 250.0000% | 1,095 |
| Earnings coverage of net charge-offs (x) | 71.7893% | 575 |
| Efficiency ratio | 66.3700% | 4,379 |
| Assets per employee ($millions) | 4.6323% | 2,700 |
| Cash dividends to net income (ytd only)* | 29.8861% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5019% | 3,943 |
| Loan loss allowance to noncurrent loans | 156.8116% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 0.5704% | 5,245 |
| Noncurrent loans to loans | 0.9578% | 4,517 |
| Net loans and leases to total assets | 40.3104% | 6,255 |
| Net loans and leases to deposits | 46.7851% | 6,333 |
| Net loans and leases to core deposits | 49.9300% | 6,287 |
| Total domestic deposits to total assets | 86.1608% | 3,165 |
| Equity capital to assets | 12.8206% | 1,695 |
| Core capital (leverage) ratio | 12.0576% | 1,623 |
| Tier 1 risk-based capital ratio | 23.5112% | 1,088 |
| Total risk-based capital ratio | 24.7288% | 1,074 |
| Memoranda: | ||
| Average total assets | $174,095,750 | 3,429 |
| Average earning assets | $166,186,250 | 3,320 |
| Average equity | $21,974,000 | 2,996 |
| Average total loans | $70,151,500 | 4,395 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4919% | 6,614 |
| Cost of funding earning assets | 0.5059% | 5,576 |
| Net interest margin | 2.9860% | 6,273 |
| Noninterest income to average assets | 0.3736% | 4,848 |
| Noninterest expense to average assets | 2.1851% | 6,050 |
| Loan and lease loss provision to assets | 0.0577% | 4,939 |
| Net operating income to assets | 0.7336% | 3,689 |
| Return on assets (ROA) | 0.7345% | 3,953 |
| Pretax return on assets | 0.9766% | 3,799 |
| Return on Equity (ROE) | 5.8505% | 4,395 |
| Retained earnings to average equity (ytd only) | 2.9574% | 4,666 |
| Net charge-offs to loans | -0.0086% | 6,255 |
| Credit loss provision to net charge-offs | -1,666.6667% | 6,469 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8968% | 4,139 |
| Assets per employee ($millions) | 4.3907% | 3,103 |
| Cash dividends to net income (ytd only)* | 49.4505% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5509% | 3,774 |
| Loan loss allowance to noncurrent loans | 209.2803% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 0.4677% | 5,597 |
| Noncurrent loans to loans | 0.7411% | 5,028 |
| Net loans and leases to total assets | 38.9655% | 6,408 |
| Net loans and leases to deposits | 44.8268% | 6,514 |
| Net loans and leases to core deposits | 47.9041% | 6,466 |
| Total domestic deposits to total assets | 86.9246% | 2,815 |
| Equity capital to assets | 12.2310% | 1,986 |
| Core capital (leverage) ratio | 11.8253% | 1,704 |
| Tier 1 risk-based capital ratio | 22.9451% | 1,138 |
| Total risk-based capital ratio | 24.1834% | 1,118 |
| Memoranda: | ||
| Average total assets | $173,451,330 | 3,453 |
| Average earning assets | $165,238,000 | 3,344 |
| Average equity | $21,776,000 | 3,009 |
| Average total loans | $69,522,000 | 4,432 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5498% | 6,633 |
| Cost of funding earning assets | 0.5433% | 5,542 |
| Net interest margin | 3.0065% | 6,285 |
| Noninterest income to average assets | 0.4396% | 4,379 |
| Noninterest expense to average assets | 2.1908% | 6,064 |
| Loan and lease loss provision to assets | 0.0705% | 4,520 |
| Net operating income to assets | 0.7692% | 3,527 |
| Return on assets (ROA) | 0.7710% | 3,758 |
| Pretax return on assets | 1.0296% | 3,570 |
| Return on Equity (ROE) | 6.0586% | 4,254 |
| Retained earnings to average equity (ytd only) | 6.0586% | 2,920 |
| Net charge-offs to loans | -0.0058% | 5,821 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6190% | 4,442 |
| Assets per employee ($millions) | 4.2678% | 3,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5792% | 3,809 |
| Loan loss allowance to noncurrent loans | 248.3945% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.4841% | 5,648 |
| Noncurrent loans to loans | 0.6358% | 5,370 |
| Net loans and leases to total assets | 38.5743% | 6,455 |
| Net loans and leases to deposits | 44.4668% | 6,532 |
| Net loans and leases to core deposits | 47.7980% | 6,468 |
| Total domestic deposits to total assets | 86.7487% | 3,093 |
| Equity capital to assets | 12.4672% | 1,743 |
| Core capital (leverage) ratio | 11.9734% | 1,605 |
| Tier 1 risk-based capital ratio | 24.1010% | 995 |
| Total risk-based capital ratio | 25.3518% | 983 |
| Memoranda: | ||
| Average total assets | $170,168,000 | 3,515 |
| Average earning assets | $161,248,500 | 3,418 |
| Average equity | $21,655,000 | 3,015 |
| Average total loans | $68,658,000 | 4,491 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0090% | 6,437 |
| Cost of funding earning assets | 0.6766% | 5,675 |
| Net interest margin | 3.3324% | 5,719 |
| Noninterest income to average assets | 0.4721% | 4,045 |
| Noninterest expense to average assets | 2.4411% | 5,660 |
| Loan and lease loss provision to assets | 0.1157% | 5,151 |
| Net operating income to assets | 0.7903% | 3,078 |
| Return on assets (ROA) | 0.8236% | 3,102 |
| Pretax return on assets | 1.1258% | 2,743 |
| Return on Equity (ROE) | 6.3853% | 3,701 |
| Retained earnings to average equity (ytd only) | 2.0568% | 4,749 |
| Net charge-offs to loans | 0.2666% | 4,102 |
| Credit loss provision to net charge-offs | 100.5348% | 3,472 |
| Earnings coverage of net charge-offs (x) | 10.3904% | 1,842 |
| Efficiency ratio | 67.1180% | 4,551 |
| Assets per employee ($millions) | 3.9371% | 3,992 |
| Cash dividends to net income (ytd only)* | 67.7877% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5305% | 3,885 |
| Loan loss allowance to noncurrent loans | 250.4762% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.5836% | 5,512 |
| Noncurrent loans to loans | 0.6110% | 5,492 |
| Net loans and leases to total assets | 40.9320% | 6,473 |
| Net loans and leases to deposits | 47.4380% | 6,536 |
| Net loans and leases to core deposits | 49.1090% | 6,581 |
| Total domestic deposits to total assets | 86.2854% | 3,150 |
| Equity capital to assets | 12.9991% | 1,481 |
| Core capital (leverage) ratio | 12.1574% | 1,515 |
| Tier 1 risk-based capital ratio | 24.0907% | 959 |
| Total risk-based capital ratio | 25.3410% | 945 |
| Memoranda: | ||
| Average total assets | $162,465,200 | 3,598 |
| Average earning assets | $154,301,400 | 3,503 |
| Average equity | $20,954,400 | 3,015 |
| Average total loans | $70,141,600 | 4,486 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0523% | 6,499 |
| Cost of funding earning assets | 0.7035% | 5,743 |
| Net interest margin | 3.3487% | 5,724 |
| Noninterest income to average assets | 0.4509% | 4,286 |
| Noninterest expense to average assets | 2.4631% | 5,581 |
| Loan and lease loss provision to assets | 0.1302% | 4,801 |
| Net operating income to assets | 0.7780% | 3,264 |
| Return on assets (ROA) | 0.8219% | 3,220 |
| Pretax return on assets | 1.1021% | 3,001 |
| Return on Equity (ROE) | 6.3850% | 3,831 |
| Retained earnings to average equity (ytd only) | 4.3676% | 3,622 |
| Net charge-offs to loans | 0.3556% | 3,314 |
| Credit loss provision to net charge-offs | 84.0426% | 3,999 |
| Earnings coverage of net charge-offs (x) | 7.5745% | 2,337 |
| Efficiency ratio | 67.7244% | 4,370 |
| Assets per employee ($millions) | 3.9843% | 3,885 |
| Cash dividends to net income (ytd only)* | 31.5948% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4711% | 4,244 |
| Loan loss allowance to noncurrent loans | 148.1858% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 0.7499% | 5,286 |
| Noncurrent loans to loans | 0.9928% | 4,904 |
| Net loans and leases to total assets | 41.8604% | 6,512 |
| Net loans and leases to deposits | 48.7034% | 6,588 |
| Net loans and leases to core deposits | 51.8800% | 6,574 |
| Total domestic deposits to total assets | 85.9496% | 3,241 |
| Equity capital to assets | 13.2227% | 1,506 |
| Core capital (leverage) ratio | 12.5092% | 1,430 |
| Tier 1 risk-based capital ratio | 24.2305% | 990 |
| Total risk-based capital ratio | 25.4429% | 976 |
| Memoranda: | ||
| Average total assets | $161,742,250 | 3,639 |
| Average earning assets | $153,884,750 | 3,532 |
| Average equity | $20,819,250 | 3,036 |
| Average total loans | $70,493,000 | 4,507 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1282% | 6,426 |
| Cost of funding earning assets | 0.7317% | 5,769 |
| Net interest margin | 3.3965% | 5,568 |
| Noninterest income to average assets | 0.4863% | 3,967 |
| Noninterest expense to average assets | 2.3870% | 5,880 |
| Loan and lease loss provision to assets | 0.1551% | 4,375 |
| Net operating income to assets | 0.8938% | 2,664 |
| Return on assets (ROA) | 0.9032% | 2,728 |
| Pretax return on assets | 1.1873% | 2,531 |
| Return on Equity (ROE) | 7.0821% | 3,417 |
| Retained earnings to average equity (ytd only) | 4.0177% | 3,642 |
| Net charge-offs to loans | 0.3105% | 3,322 |
| Credit loss provision to net charge-offs | 113.6364% | 2,695 |
| Earnings coverage of net charge-offs (x) | 9.7455% | 1,883 |
| Efficiency ratio | 64.2190% | 5,198 |
| Assets per employee ($millions) | 4.0286% | 3,695 |
| Cash dividends to net income (ytd only)* | 43.2692% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5372% | 3,954 |
| Loan loss allowance to noncurrent loans | 117.6600% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 0.8936% | 5,085 |
| Noncurrent loans to loans | 1.3065% | 4,462 |
| Net loans and leases to total assets | 41.3387% | 6,640 |
| Net loans and leases to deposits | 47.7189% | 6,740 |
| Net loans and leases to core deposits | 50.7341% | 6,730 |
| Total domestic deposits to total assets | 86.6297% | 2,969 |
| Equity capital to assets | 13.0924% | 1,475 |
| Core capital (leverage) ratio | 12.4670% | 1,377 |
| Tier 1 risk-based capital ratio | 23.6699% | 1,042 |
| Total risk-based capital ratio | 24.9195% | 1,028 |
| Memoranda: | ||
| Average total assets | $161,204,670 | 3,670 |
| Average earning assets | $153,335,670 | 3,569 |
| Average equity | $20,559,000 | 3,056 |
| Average total loans | $70,856,670 | 4,542 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1510% | 6,393 |
| Cost of funding earning assets | 0.7790% | 5,679 |
| Net interest margin | 3.3720% | 5,532 |
| Noninterest income to average assets | 0.4798% | 4,048 |
| Noninterest expense to average assets | 2.4645% | 5,693 |
| Loan and lease loss provision to assets | 0.1131% | 4,604 |
| Net operating income to assets | 0.8407% | 2,822 |
| Return on assets (ROA) | 0.8140% | 3,019 |
| Pretax return on assets | 1.0752% | 2,850 |
| Return on Equity (ROE) | 6.4716% | 3,636 |
| Retained earnings to average equity (ytd only) | 6.4716% | 2,384 |
| Net charge-offs to loans | 0.2737% | 2,974 |
| Credit loss provision to net charge-offs | 91.8367% | 2,910 |
| Earnings coverage of net charge-offs (x) | 9.9388% | 1,676 |
| Efficiency ratio | 66.8256% | 4,892 |
| Assets per employee ($millions) | 3.9370% | 3,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4768% | 4,314 |
| Loan loss allowance to noncurrent loans | 68.6107% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 1.1517% | 4,637 |
| Noncurrent loans to loans | 2.1524% | 3,381 |
| Net loans and leases to total assets | 43.2742% | 6,524 |
| Net loans and leases to deposits | 49.6150% | 6,654 |
| Net loans and leases to core deposits | 52.8126% | 6,636 |
| Total domestic deposits to total assets | 87.2199% | 2,813 |
| Equity capital to assets | 12.5323% | 1,616 |
| Core capital (leverage) ratio | 12.5539% | 1,302 |
| Tier 1 risk-based capital ratio | 21.2111% | 1,363 |
| Total risk-based capital ratio | 22.3189% | 1,353 |
| Memoranda: | ||
| Average total assets | $159,221,000 | 3,721 |
| Average earning assets | $151,481,500 | 3,616 |
| Average equity | $20,026,000 | 3,108 |
| Average total loans | $71,612,000 | 4,556 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3794% | 6,652 |
| Cost of funding earning assets | 1.0302% | 5,529 |
| Net interest margin | 3.3492% | 5,796 |
| Noninterest income to average assets | 0.5392% | 3,892 |
| Noninterest expense to average assets | 2.5295% | 5,685 |
| Loan and lease loss provision to assets | 0.1233% | 5,928 |
| Net operating income to assets | 0.8061% | 2,772 |
| Return on assets (ROA) | 0.8101% | 2,888 |
| Pretax return on assets | 1.0712% | 2,697 |
| Return on Equity (ROE) | 6.1481% | 3,549 |
| Retained earnings to average equity (ytd only) | 1.7324% | 4,647 |
| Net charge-offs to loans | 0.1367% | 5,549 |
| Credit loss provision to net charge-offs | 182.5243% | 1,810 |
| Earnings coverage of net charge-offs (x) | 17.6019% | 1,140 |
| Efficiency ratio | 68.0191% | 4,561 |
| Assets per employee ($millions) | 3.7387% | 4,387 |
| Cash dividends to net income (ytd only)* | 71.8219% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4545% | 4,259 |
| Loan loss allowance to noncurrent loans | 58.2180% | 4,529 |
| Noncurrent assets plus other real estate owned to assets | 1.2711% | 4,493 |
| Noncurrent loans to loans | 2.4984% | 3,028 |
| Net loans and leases to total assets | 45.3896% | 6,604 |
| Net loans and leases to deposits | 53.1892% | 6,663 |
| Net loans and leases to core deposits | 54.9170% | 6,757 |
| Total domestic deposits to total assets | 85.3363% | 3,700 |
| Equity capital to assets | 12.6239% | 1,563 |
| Core capital (leverage) ratio | 12.2863% | 1,394 |
| Tier 1 risk-based capital ratio | 23.1184% | 1,023 |
| Total risk-based capital ratio | 24.3515% | 1,008 |
| Memoranda: | ||
| Average total assets | $152,443,200 | 3,838 |
| Average earning assets | $144,722,200 | 3,732 |
| Average equity | $20,087,600 | 3,137 |
| Average total loans | $75,338,000 | 4,473 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4509% | 6,723 |
| Cost of funding earning assets | 1.0635% | 5,630 |
| Net interest margin | 3.3873% | 5,726 |
| Noninterest income to average assets | 0.5420% | 3,849 |
| Noninterest expense to average assets | 2.5503% | 5,518 |
| Loan and lease loss provision to assets | 0.1251% | 5,778 |
| Net operating income to assets | 0.8193% | 2,921 |
| Return on assets (ROA) | 0.8187% | 3,067 |
| Pretax return on assets | 1.0822% | 2,889 |
| Return on Equity (ROE) | 6.1460% | 3,748 |
| Retained earnings to average equity (ytd only) | 4.0620% | 3,614 |
| Net charge-offs to loans | 0.1542% | 5,077 |
| Credit loss provision to net charge-offs | 161.3636% | 2,343 |
| Earnings coverage of net charge-offs (x) | 15.5796% | 1,429 |
| Efficiency ratio | 67.8546% | 4,489 |
| Assets per employee ($millions) | 3.8916% | 4,049 |
| Cash dividends to net income (ytd only)* | 33.9073% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3806% | 4,571 |
| Loan loss allowance to noncurrent loans | 38.3258% | 5,759 |
| Noncurrent assets plus other real estate owned to assets | 1.7881% | 3,764 |
| Noncurrent loans to loans | 3.6023% | 2,174 |
| Net loans and leases to total assets | 45.7093% | 6,724 |
| Net loans and leases to deposits | 54.0926% | 6,765 |
| Net loans and leases to core deposits | 57.8050% | 6,741 |
| Total domestic deposits to total assets | 84.5020% | 3,864 |
| Equity capital to assets | 13.0449% | 1,554 |
| Core capital (leverage) ratio | 12.8455% | 1,286 |
| Tier 1 risk-based capital ratio | 23.3040% | 1,028 |
| Total risk-based capital ratio | 24.4943% | 1,007 |
| Memoranda: | ||
| Average total assets | $151,297,250 | 3,907 |
| Average earning assets | $143,669,000 | 3,802 |
| Average equity | $20,153,750 | 3,172 |
| Average total loans | $76,091,000 | 4,524 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5423% | 6,610 |
| Cost of funding earning assets | 1.0980% | 5,682 |
| Net interest margin | 3.4443% | 5,467 |
| Noninterest income to average assets | 0.5399% | 3,795 |
| Noninterest expense to average assets | 2.5474% | 5,531 |
| Loan and lease loss provision to assets | 0.1279% | 5,600 |
| Net operating income to assets | 0.8704% | 2,659 |
| Return on assets (ROA) | 0.8590% | 2,839 |
| Pretax return on assets | 1.1189% | 2,715 |
| Return on Equity (ROE) | 6.4012% | 3,594 |
| Retained earnings to average equity (ytd only) | 3.2407% | 4,041 |
| Net charge-offs to loans | 0.1432% | 4,793 |
| Credit loss provision to net charge-offs | 172.7273% | 2,259 |
| Earnings coverage of net charge-offs (x) | 17.0364% | 1,369 |
| Efficiency ratio | 66.8788% | 4,796 |
| Assets per employee ($millions) | 3.6455% | 4,596 |
| Cash dividends to net income (ytd only)* | 49.3730% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3067% | 4,873 |
| Loan loss allowance to noncurrent loans | 44.4985% | 5,347 |
| Noncurrent assets plus other real estate owned to assets | 1.4780% | 4,245 |
| Noncurrent loans to loans | 2.9366% | 2,722 |
| Net loans and leases to total assets | 49.6744% | 6,466 |
| Net loans and leases to deposits | 58.8774% | 6,506 |
| Net loans and leases to core deposits | 63.5771% | 6,443 |
| Total domestic deposits to total assets | 84.3693% | 3,925 |
| Equity capital to assets | 13.2069% | 1,473 |
| Core capital (leverage) ratio | 13.2230% | 1,132 |
| Tier 1 risk-based capital ratio | 22.4617% | 1,129 |
| Total risk-based capital ratio | 23.6100% | 1,126 |
| Memoranda: | ||
| Average total assets | $148,544,330 | 3,979 |
| Average earning assets | $140,987,330 | 3,886 |
| Average equity | $19,933,670 | 3,184 |
| Average total loans | $76,803,670 | 4,545 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6252% | 6,488 |
| Cost of funding earning assets | 1.1303% | 5,757 |
| Net interest margin | 3.4949% | 5,181 |
| Noninterest income to average assets | 0.5278% | 3,829 |
| Noninterest expense to average assets | 2.7622% | 4,642 |
| Loan and lease loss provision to assets | 0.1231% | 5,349 |
| Net operating income to assets | 0.7008% | 3,440 |
| Return on assets (ROA) | 0.7028% | 3,543 |
| Pretax return on assets | 0.9517% | 3,260 |
| Return on Equity (ROE) | 5.1945% | 4,260 |
| Retained earnings to average equity (ytd only) | 5.1945% | 3,045 |
| Net charge-offs to loans | 0.0991% | 4,428 |
| Credit loss provision to net charge-offs | 236.8421% | 1,616 |
| Earnings coverage of net charge-offs (x) | 20.6316% | 1,151 |
| Efficiency ratio | 72.0399% | 3,926 |
| Assets per employee ($millions) | 3.6849% | 4,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2963% | 4,955 |
| Loan loss allowance to noncurrent loans | 38.8650% | 5,766 |
| Noncurrent assets plus other real estate owned to assets | 1.7334% | 3,876 |
| Noncurrent loans to loans | 3.3353% | 2,396 |
| Net loans and leases to total assets | 51.2992% | 6,342 |
| Net loans and leases to deposits | 61.0744% | 6,357 |
| Net loans and leases to core deposits | 65.9325% | 6,287 |
| Total domestic deposits to total assets | 83.9946% | 4,147 |
| Equity capital to assets | 13.5372% | 1,306 |
| Core capital (leverage) ratio | 13.3711% | 1,109 |
| Tier 1 risk-based capital ratio | 22.9075% | 1,091 |
| Total risk-based capital ratio | 24.0660% | 1,075 |
| Memoranda: | ||
| Average total assets | $146,262,000 | 4,086 |
| Average earning assets | $138,371,500 | 3,996 |
| Average equity | $19,790,000 | 3,222 |
| Average total loans | $76,674,000 | 4,623 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9578% | 6,561 |
| Cost of funding earning assets | 1.4350% | 5,780 |
| Net interest margin | 3.5228% | 4,855 |
| Noninterest income to average assets | 0.5769% | 3,802 |
| Noninterest expense to average assets | 2.7247% | 5,276 |
| Loan and lease loss provision to assets | 0.1497% | 6,165 |
| Net operating income to assets | 0.8080% | 2,507 |
| Return on assets (ROA) | 0.8158% | 2,561 |
| Pretax return on assets | 1.0490% | 2,419 |
| Return on Equity (ROE) | 5.8279% | 3,283 |
| Retained earnings to average equity (ytd only) | 1.4111% | 4,080 |
| Net charge-offs to loans | 0.2403% | 5,119 |
| Credit loss provision to net charge-offs | 114.7541% | 4,768 |
| Earnings coverage of net charge-offs (x) | 9.1093% | 1,843 |
| Efficiency ratio | 69.6246% | 4,711 |
| Assets per employee ($millions) | 3.5398% | 4,921 |
| Cash dividends to net income (ytd only)* | 75.7867% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2600% | 4,988 |
| Loan loss allowance to noncurrent loans | 46.6474% | 5,273 |
| Noncurrent assets plus other real estate owned to assets | 1.4284% | 4,274 |
| Noncurrent loans to loans | 2.7012% | 2,853 |
| Net loans and leases to total assets | 52.2125% | 6,399 |
| Net loans and leases to deposits | 62.0743% | 6,464 |
| Net loans and leases to core deposits | 71.6544% | 6,680 |
| Total domestic deposits to total assets | 84.1129% | 3,978 |
| Equity capital to assets | 13.5237% | 1,310 |
| Core capital (leverage) ratio | 13.6092% | 1,065 |
| Tier 1 risk-based capital ratio | 22.9342% | 1,048 |
| Total risk-based capital ratio | 24.0788% | 1,035 |
| Memoranda: | ||
| Average total assets | $140,234,400 | 4,121 |
| Average earning assets | $132,821,000 | 4,035 |
| Average equity | $19,629,600 | 3,260 |
| Average total loans | $76,147,200 | 4,647 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9923% | 6,624 |
| Cost of funding earning assets | 1.4881% | 5,869 |
| Net interest margin | 3.5042% | 4,848 |
| Noninterest income to average assets | 0.5947% | 3,753 |
| Noninterest expense to average assets | 2.7863% | 4,945 |
| Loan and lease loss provision to assets | 0.1535% | 5,821 |
| Net operating income to assets | 0.7520% | 3,016 |
| Return on assets (ROA) | 0.7644% | 3,030 |
| Pretax return on assets | 1.0004% | 2,901 |
| Return on Equity (ROE) | 5.4133% | 3,783 |
| Retained earnings to average equity (ytd only) | 3.2738% | 3,480 |
| Net charge-offs to loans | 0.2368% | 4,570 |
| Credit loss provision to net charge-offs | 118.5185% | 4,279 |
| Earnings coverage of net charge-offs (x) | 8.7849% | 2,200 |
| Efficiency ratio | 71.0095% | 4,421 |
| Assets per employee ($millions) | 3.3615% | 5,232 |
| Cash dividends to net income (ytd only)* | 39.5233% | 2,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2490% | 4,840 |
| Loan loss allowance to noncurrent loans | 51.6319% | 4,867 |
| Noncurrent assets plus other real estate owned to assets | 1.3762% | 4,340 |
| Noncurrent loans to loans | 2.4191% | 3,114 |
| Net loans and leases to total assets | 54.0398% | 6,377 |
| Net loans and leases to deposits | 65.0421% | 6,399 |
| Net loans and leases to core deposits | 78.9297% | 6,424 |
| Total domestic deposits to total assets | 83.0844% | 4,179 |
| Equity capital to assets | 14.1795% | 1,245 |
| Core capital (leverage) ratio | 14.1483% | 1,055 |
| Tier 1 risk-based capital ratio | 23.2992% | 1,069 |
| Total risk-based capital ratio | 24.4475% | 1,058 |
| Memoranda: | ||
| Average total assets | $139,010,500 | 4,161 |
| Average earning assets | $132,065,750 | 4,066 |
| Average equity | $19,630,250 | 3,299 |
| Average total loans | $75,998,250 | 4,694 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0198% | 6,704 |
| Cost of funding earning assets | 1.5438% | 5,955 |
| Net interest margin | 3.4759% | 4,913 |
| Noninterest income to average assets | 0.5872% | 3,794 |
| Noninterest expense to average assets | 2.7537% | 5,163 |
| Loan and lease loss provision to assets | 0.1302% | 5,796 |
| Net operating income to assets | 0.7550% | 3,020 |
| Return on assets (ROA) | 0.7680% | 3,080 |
| Pretax return on assets | 1.0225% | 2,918 |
| Return on Equity (ROE) | 5.4460% | 3,886 |
| Retained earnings to average equity (ytd only) | 2.2153% | 4,108 |
| Net charge-offs to loans | 0.2382% | 4,009 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 8.7222% | 2,223 |
| Efficiency ratio | 70.8070% | 4,621 |
| Assets per employee ($millions) | 3.1377% | 5,748 |
| Cash dividends to net income (ytd only)* | 59.3220% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2240% | 4,790 |
| Loan loss allowance to noncurrent loans | 50.5105% | 4,993 |
| Noncurrent assets plus other real estate owned to assets | 1.3903% | 4,181 |
| Noncurrent loans to loans | 2.4233% | 2,990 |
| Net loans and leases to total assets | 53.7242% | 6,493 |
| Net loans and leases to deposits | 64.2040% | 6,541 |
| Net loans and leases to core deposits | 76.6395% | 6,635 |
| Total domestic deposits to total assets | 83.6774% | 3,927 |
| Equity capital to assets | 13.7786% | 1,394 |
| Core capital (leverage) ratio | 14.0648% | 1,127 |
| Tier 1 risk-based capital ratio | 23.0055% | 1,131 |
| Total risk-based capital ratio | 24.1251% | 1,120 |
| Memoranda: | ||
| Average total assets | $138,286,330 | 4,210 |
| Average earning assets | $131,360,330 | 4,111 |
| Average equity | $19,500,670 | 3,324 |
| Average total loans | $75,577,670 | 4,752 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9944% | 6,943 |
| Cost of funding earning assets | 1.6136% | 5,972 |
| Net interest margin | 3.3808% | 5,210 |
| Noninterest income to average assets | 0.5934% | 3,597 |
| Noninterest expense to average assets | 2.7158% | 4,929 |
| Loan and lease loss provision to assets | 0.1315% | 5,274 |
| Net operating income to assets | 0.7264% | 3,435 |
| Return on assets (ROA) | 0.7308% | 3,617 |
| Pretax return on assets | 0.9676% | 3,476 |
| Return on Equity (ROE) | 5.1220% | 4,421 |
| Retained earnings to average equity (ytd only) | 5.1220% | 3,052 |
| Net charge-offs to loans | 0.0213% | 5,259 |
| Credit loss provision to net charge-offs | 1,125.0000% | 561 |
| Earnings coverage of net charge-offs (x) | 93.5000% | 455 |
| Efficiency ratio | 71.2970% | 4,311 |
| Assets per employee ($millions) | 3.2339% | 5,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3332% | 3,900 |
| Loan loss allowance to noncurrent loans | 56.3469% | 4,822 |
| Noncurrent assets plus other real estate owned to assets | 1.3254% | 4,014 |
| Noncurrent loans to loans | 2.3660% | 2,780 |
| Net loans and leases to total assets | 52.2102% | 6,664 |
| Net loans and leases to deposits | 62.7134% | 6,676 |
| Net loans and leases to core deposits | 75.0882% | 6,740 |
| Total domestic deposits to total assets | 83.2522% | 4,018 |
| Equity capital to assets | 14.0784% | 1,339 |
| Core capital (leverage) ratio | 14.2938% | 1,133 |
| Tier 1 risk-based capital ratio | 24.1440% | 1,063 |
| Total risk-based capital ratio | 25.3681% | 1,040 |
| Memoranda: | ||
| Average total assets | $136,831,000 | 4,255 |
| Average earning assets | $130,146,500 | 4,152 |
| Average equity | $19,523,500 | 3,339 |
| Average total loans | $74,968,000 | 4,810 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4719% | 7,360 |
| Cost of funding earning assets | 1.9978% | 6,424 |
| Net interest margin | 3.4741% | 5,385 |
| Noninterest income to average assets | 0.6342% | 3,601 |
| Noninterest expense to average assets | 2.6728% | 5,374 |
| Loan and lease loss provision to assets | 0.0936% | 6,190 |
| Net operating income to assets | 0.8451% | 3,240 |
| Return on assets (ROA) | 0.8451% | 3,076 |
| Pretax return on assets | 1.1325% | 2,907 |
| Return on Equity (ROE) | 5.9182% | 3,975 |
| Retained earnings to average equity (ytd only) | 1.4041% | 4,373 |
| Net charge-offs to loans | -0.1042% | 8,095 |
| Credit loss provision to net charge-offs | -157.5000% | 7,339 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5524% | 4,623 |
| Assets per employee ($millions) | 3.2049% | 5,469 |
| Cash dividends to net income (ytd only)* | 76.2742% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2311% | 4,300 |
| Loan loss allowance to noncurrent loans | 64.8276% | 4,772 |
| Noncurrent assets plus other real estate owned to assets | 1.1530% | 3,963 |
| Noncurrent loans to loans | 1.8991% | 2,903 |
| Net loans and leases to total assets | 56.0254% | 6,437 |
| Net loans and leases to deposits | 67.7018% | 6,489 |
| Net loans and leases to core deposits | 80.7999% | 6,553 |
| Total domestic deposits to total assets | 82.7532% | 3,876 |
| Equity capital to assets | 14.4645% | 1,307 |
| Core capital (leverage) ratio | 14.3720% | 1,171 |
| Tier 1 risk-based capital ratio | 23.5278% | 1,135 |
| Total risk-based capital ratio | 24.6859% | 1,117 |
| Memoranda: | ||
| Average total assets | $134,653,800 | 4,195 |
| Average earning assets | $126,537,600 | 4,117 |
| Average equity | $19,228,800 | 3,359 |
| Average total loans | $76,804,200 | 4,619 |