Home > Union State Bank > Performance and Condition Ratios
Union State Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5354% | 2,064 |
| Cost of funding earning assets | 2.0740% | 2,037 |
| Net interest margin | 3.4614% | 2,150 |
| Noninterest income to average assets | 0.6000% | 1,502 |
| Noninterest expense to average assets | 2.8011% | 1,497 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | 0.8834% | 2,444 |
| Return on assets (ROA) | 0.8472% | 2,567 |
| Pretax return on assets | 0.8830% | 2,856 |
| Return on Equity (ROE) | 8.9600% | 2,474 |
| Retained earnings to average equity (ytd only) | 4.7553% | 2,336 |
| Net charge-offs to loans | 0.0005% | 3,065 |
| Credit loss provision to net charge-offs | 19,300.0000% | 29 |
| Earnings coverage of net charge-offs (x) | 3,231.5000% | 36 |
| Efficiency ratio | 73.7868% | 1,583 |
| Assets per employee ($millions) | 5.6032% | 3,207 |
| Cash dividends to net income (ytd only)* | 46.8983% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1067% | 2,658 |
| Loan loss allowance to noncurrent loans | 9,968.0851% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 3,715 |
| Noncurrent loans to loans | 0.0111% | 3,677 |
| Net loans and leases to total assets | 63.3200% | 2,638 |
| Net loans and leases to deposits | 75.6403% | 2,499 |
| Net loans and leases to core deposits | 90.9853% | 2,034 |
| Total domestic deposits to total assets | 83.7100% | 2,856 |
| Equity capital to assets | 10.0155% | 2,123 |
| Core capital (leverage) ratio | 9.2841% | 3,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0833% | 1,835 |
| Memoranda: | ||
| Average total assets | $679,310,800 | 1,373 |
| Average earning assets | $619,137,600 | 1,392 |
| Average equity | $64,265,600 | 1,410 |
| Average total loans | $414,683,800 | 1,490 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4364% | 2,205 |
| Cost of funding earning assets | 2.0903% | 2,003 |
| Net interest margin | 3.3462% | 2,352 |
| Noninterest income to average assets | 0.5900% | 1,496 |
| Noninterest expense to average assets | 2.7696% | 1,519 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | 0.8048% | 2,673 |
| Return on assets (ROA) | 0.7606% | 2,819 |
| Pretax return on assets | 0.7926% | 3,060 |
| Return on Equity (ROE) | 8.1600% | 2,722 |
| Retained earnings to average equity (ytd only) | 2.5129% | 3,317 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 75.1566% | 1,467 |
| Assets per employee ($millions) | 6.0071% | 2,862 |
| Cash dividends to net income (ytd only)* | 69.1874% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0922% | 2,809 |
| Loan loss allowance to noncurrent loans | 986.3830% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.0669% | 3,250 |
| Noncurrent loans to loans | 0.1107% | 3,127 |
| Net loans and leases to total assets | 59.7300% | 2,943 |
| Net loans and leases to deposits | 75.8600% | 2,532 |
| Net loans and leases to core deposits | 89.8514% | 2,154 |
| Total domestic deposits to total assets | 78.7400% | 3,644 |
| Equity capital to assets | 9.7223% | 2,480 |
| Core capital (leverage) ratio | 8.8995% | 3,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5612% | 2,051 |
| Memoranda: | ||
| Average total assets | $683,845,000 | 1,357 |
| Average earning assets | $624,022,250 | 1,377 |
| Average equity | $63,777,000 | 1,407 |
| Average total loans | $412,524,750 | 1,488 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3922% | 2,153 |
| Cost of funding earning assets | 2.0839% | 1,917 |
| Net interest margin | 3.3083% | 2,392 |
| Noninterest income to average assets | 0.5700% | 1,568 |
| Noninterest expense to average assets | 2.7825% | 1,504 |
| Loan and lease loss provision to assets | 0.0500% | 1,906 |
| Net operating income to assets | 0.7320% | 2,851 |
| Return on assets (ROA) | 0.6887% | 2,989 |
| Pretax return on assets | 0.7161% | 3,197 |
| Return on Equity (ROE) | 7.4900% | 2,879 |
| Retained earnings to average equity (ytd only) | 1.7379% | 3,421 |
| Net charge-offs to loans | 0.0005% | 2,606 |
| Credit loss provision to net charge-offs | 18,500.0000% | 21 |
| Earnings coverage of net charge-offs (x) | 2,750.0000% | 24 |
| Efficiency ratio | 76.5112% | 1,417 |
| Assets per employee ($millions) | 5.8120% | 2,958 |
| Cash dividends to net income (ytd only)* | 76.8110% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0901% | 2,851 |
| Loan loss allowance to noncurrent loans | 1,107.4074% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.0596% | 3,257 |
| Noncurrent loans to loans | 0.0984% | 3,149 |
| Net loans and leases to total assets | 59.8500% | 2,973 |
| Net loans and leases to deposits | 76.1545% | 2,526 |
| Net loans and leases to core deposits | 85.1746% | 2,451 |
| Total domestic deposits to total assets | 78.5900% | 3,642 |
| Equity capital to assets | 9.2388% | 2,584 |
| Core capital (leverage) ratio | 8.9159% | 3,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6381% | 2,012 |
| Memoranda: | ||
| Average total assets | $677,516,667 | 1,368 |
| Average earning assets | $618,446,333 | 1,386 |
| Average equity | $62,259,000 | 1,422 |
| Average total loans | $408,545,667 | 1,500 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4567% | 1,899 |
| Cost of funding earning assets | 2.1225% | 1,730 |
| Net interest margin | 3.3342% | 2,263 |
| Noninterest income to average assets | 0.5400% | 1,602 |
| Noninterest expense to average assets | 2.8474% | 1,347 |
| Loan and lease loss provision to assets | 0.0700% | 1,402 |
| Net operating income to assets | 0.6500% | 3,011 |
| Return on assets (ROA) | 0.6500% | 3,037 |
| Pretax return on assets | 0.6719% | 3,233 |
| Return on Equity (ROE) | 7.0900% | 2,929 |
| Retained earnings to average equity (ytd only) | 1.0843% | 3,484 |
| Net charge-offs to loans | 0.0088% | 1,762 |
| Credit loss provision to net charge-offs | 1,244.4444% | 300 |
| Earnings coverage of net charge-offs (x) | 138.6667% | 551 |
| Efficiency ratio | 78.5054% | 1,309 |
| Assets per employee ($millions) | 5.8894% | 2,926 |
| Cash dividends to net income (ytd only)* | 84.7134% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0750% | 2,927 |
| Loan loss allowance to noncurrent loans | 2,752.5000% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.0232% | 3,588 |
| Noncurrent loans to loans | 0.0391% | 3,490 |
| Net loans and leases to total assets | 58.8200% | 2,979 |
| Net loans and leases to deposits | 73.0771% | 2,673 |
| Net loans and leases to core deposits | 83.1059% | 2,499 |
| Total domestic deposits to total assets | 80.4800% | 3,462 |
| Equity capital to assets | 8.9319% | 2,727 |
| Core capital (leverage) ratio | 8.5764% | 4,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3615% | 2,128 |
| Memoranda: | ||
| Average total assets | $676,273,500 | 1,375 |
| Average earning assets | $617,959,000 | 1,383 |
| Average equity | $61,976,500 | 1,417 |
| Average total loans | $407,098,500 | 1,498 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7450% | 2,584 |
| Cost of funding earning assets | 1.3401% | 2,392 |
| Net interest margin | 3.4049% | 2,400 |
| Noninterest income to average assets | 0.6500% | 1,355 |
| Noninterest expense to average assets | 2.8628% | 1,360 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.7772% | 2,950 |
| Return on assets (ROA) | 0.7772% | 2,929 |
| Pretax return on assets | 0.8115% | 3,186 |
| Return on Equity (ROE) | 8.7000% | 2,830 |
| Retained earnings to average equity (ytd only) | 4.1146% | 2,918 |
| Net charge-offs to loans | 0.0070% | 2,416 |
| Credit loss provision to net charge-offs | 1,414.8148% | 306 |
| Earnings coverage of net charge-offs (x) | 200.9259% | 587 |
| Efficiency ratio | 75.6892% | 1,276 |
| Assets per employee ($millions) | 5.5291% | 3,224 |
| Cash dividends to net income (ytd only)* | 52.7122% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0630% | 3,010 |
| Loan loss allowance to noncurrent loans | 311.3686% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.2081% | 2,183 |
| Noncurrent loans to loans | 0.3414% | 1,959 |
| Net loans and leases to total assets | 60.3200% | 2,817 |
| Net loans and leases to deposits | 74.5520% | 2,581 |
| Net loans and leases to core deposits | 84.5673% | 2,415 |
| Total domestic deposits to total assets | 80.9100% | 3,322 |
| Equity capital to assets | 9.4059% | 2,420 |
| Core capital (leverage) ratio | 9.2605% | 3,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4615% | 2,080 |
| Memoranda: | ||
| Average total assets | $621,458,200 | 1,430 |
| Average earning assets | $562,717,000 | 1,460 |
| Average equity | $55,509,200 | 1,476 |
| Average total loans | $386,690,200 | 1,508 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6331% | 2,600 |
| Cost of funding earning assets | 1.1944% | 2,451 |
| Net interest margin | 3.4387% | 2,369 |
| Noninterest income to average assets | 0.6700% | 1,281 |
| Noninterest expense to average assets | 2.8844% | 1,256 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.7898% | 3,051 |
| Return on assets (ROA) | 0.7898% | 3,052 |
| Pretax return on assets | 0.8247% | 3,276 |
| Return on Equity (ROE) | 8.9700% | 2,937 |
| Retained earnings to average equity (ytd only) | 2.6599% | 3,595 |
| Net charge-offs to loans | 0.0070% | 2,180 |
| Credit loss provision to net charge-offs | 1,525.0000% | 302 |
| Earnings coverage of net charge-offs (x) | 204.2000% | 589 |
| Efficiency ratio | 75.4407% | 1,228 |
| Assets per employee ($millions) | 5.3207% | 3,333 |
| Cash dividends to net income (ytd only)* | 70.3509% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0475% | 3,124 |
| Loan loss allowance to noncurrent loans | 311.3319% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.2146% | 2,192 |
| Noncurrent loans to loans | 0.3365% | 2,025 |
| Net loans and leases to total assets | 63.1200% | 2,548 |
| Net loans and leases to deposits | 77.0774% | 2,324 |
| Net loans and leases to core deposits | 81.9408% | 2,473 |
| Total domestic deposits to total assets | 81.9000% | 3,233 |
| Equity capital to assets | 8.2041% | 2,919 |
| Core capital (leverage) ratio | 8.7503% | 3,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4572% | 2,462 |
| Memoranda: | ||
| Average total assets | $610,950,000 | 1,453 |
| Average earning assets | $552,249,500 | 1,486 |
| Average equity | $53,784,750 | 1,509 |
| Average total loans | $382,233,000 | 1,520 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4666% | 2,728 |
| Cost of funding earning assets | 1.0373% | 2,486 |
| Net interest margin | 3.4293% | 2,449 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 2.8816% | 1,255 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 0.7357% | 3,256 |
| Return on assets (ROA) | 0.7357% | 3,265 |
| Pretax return on assets | 0.7675% | 3,468 |
| Return on Equity (ROE) | 8.1600% | 3,198 |
| Retained earnings to average equity (ytd only) | 2.1140% | 3,702 |
| Net charge-offs to loans | 0.0069% | 1,979 |
| Credit loss provision to net charge-offs | 2,276.9231% | 232 |
| Earnings coverage of net charge-offs (x) | 200.9231% | 604 |
| Efficiency ratio | 75.9285% | 1,180 |
| Assets per employee ($millions) | 5.2275% | 3,383 |
| Cash dividends to net income (ytd only)* | 74.0991% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0764% | 3,062 |
| Loan loss allowance to noncurrent loans | 249.2045% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 0.2728% | 1,839 |
| Noncurrent loans to loans | 0.4320% | 1,640 |
| Net loans and leases to total assets | 62.4800% | 2,527 |
| Net loans and leases to deposits | 76.8476% | 2,230 |
| Net loans and leases to core deposits | 81.8298% | 2,348 |
| Total domestic deposits to total assets | 81.3000% | 3,378 |
| Equity capital to assets | 8.6984% | 2,717 |
| Core capital (leverage) ratio | 8.8837% | 3,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6732% | 2,408 |
| Memoranda: | ||
| Average total assets | $603,547,333 | 1,468 |
| Average earning assets | $544,889,667 | 1,511 |
| Average equity | $54,398,000 | 1,497 |
| Average total loans | $375,011,000 | 1,524 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3519% | 2,672 |
| Cost of funding earning assets | 0.8433% | 2,557 |
| Net interest margin | 3.5085% | 2,337 |
| Noninterest income to average assets | 0.6500% | 1,252 |
| Noninterest expense to average assets | 2.8882% | 1,255 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.8138% | 3,154 |
| Return on assets (ROA) | 0.8138% | 3,101 |
| Pretax return on assets | 0.8420% | 3,360 |
| Return on Equity (ROE) | 8.8700% | 3,086 |
| Retained earnings to average equity (ytd only) | 2.9189% | 3,524 |
| Net charge-offs to loans | 0.0098% | 1,571 |
| Credit loss provision to net charge-offs | 1,344.4444% | 300 |
| Earnings coverage of net charge-offs (x) | 152.4444% | 604 |
| Efficiency ratio | 74.8013% | 1,265 |
| Assets per employee ($millions) | 5.2122% | 3,495 |
| Cash dividends to net income (ytd only)* | 67.0802% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0898% | 3,108 |
| Loan loss allowance to noncurrent loans | 2,279.7753% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.0292% | 3,486 |
| Noncurrent loans to loans | 0.0478% | 3,395 |
| Net loans and leases to total assets | 60.4000% | 2,610 |
| Net loans and leases to deposits | 72.4278% | 2,434 |
| Net loans and leases to core deposits | 77.7123% | 2,409 |
| Total domestic deposits to total assets | 83.3900% | 3,224 |
| Equity capital to assets | 9.1756% | 2,388 |
| Core capital (leverage) ratio | 9.1376% | 3,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1278% | 2,343 |
| Memoranda: | ||
| Average total assets | $594,285,500 | 1,509 |
| Average earning assets | $535,493,500 | 1,550 |
| Average equity | $54,542,000 | 1,501 |
| Average total loans | $366,082,000 | 1,561 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7076% | 2,506 |
| Cost of funding earning assets | 0.3249% | 2,684 |
| Net interest margin | 3.3827% | 2,309 |
| Noninterest income to average assets | 0.6800% | 1,362 |
| Noninterest expense to average assets | 2.8861% | 1,146 |
| Loan and lease loss provision to assets | -0.0400% | 4,387 |
| Net operating income to assets | 0.8636% | 3,102 |
| Return on assets (ROA) | 0.8636% | 3,032 |
| Pretax return on assets | 0.8944% | 3,375 |
| Return on Equity (ROE) | 8.9600% | 3,141 |
| Retained earnings to average equity (ytd only) | 4.9207% | 3,084 |
| Net charge-offs to loans | 0.0027% | 2,403 |
| Credit loss provision to net charge-offs | -2,688.8889% | 4,694 |
| Earnings coverage of net charge-offs (x) | 556.7778% | 311 |
| Efficiency ratio | 75.9938% | 1,008 |
| Assets per employee ($millions) | 4.8229% | 3,799 |
| Cash dividends to net income (ytd only)* | 45.0907% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2199% | 2,300 |
| Loan loss allowance to noncurrent loans | 771.3533% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.0983% | 2,857 |
| Noncurrent loans to loans | 0.1581% | 2,707 |
| Net loans and leases to total assets | 61.4100% | 2,500 |
| Net loans and leases to deposits | 74.2754% | 2,235 |
| Net loans and leases to core deposits | 78.8893% | 2,204 |
| Total domestic deposits to total assets | 82.6800% | 3,492 |
| Equity capital to assets | 9.1800% | 2,238 |
| Core capital (leverage) ratio | 9.1925% | 3,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3032% | 2,237 |
| Memoranda: | ||
| Average total assets | $587,303,800 | 1,520 |
| Average earning assets | $530,557,200 | 1,549 |
| Average equity | $56,597,800 | 1,467 |
| Average total loans | $333,245,200 | 1,594 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5463% | 2,474 |
| Cost of funding earning assets | 0.2542% | 2,660 |
| Net interest margin | 3.2921% | 2,320 |
| Noninterest income to average assets | 0.7700% | 1,094 |
| Noninterest expense to average assets | 2.8958% | 1,067 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.8096% | 3,221 |
| Return on assets (ROA) | 0.8096% | 3,185 |
| Pretax return on assets | 0.8403% | 3,490 |
| Return on Equity (ROE) | 8.3000% | 3,237 |
| Retained earnings to average equity (ytd only) | 2.9977% | 3,771 |
| Net charge-offs to loans | 0.0098% | 1,761 |
| Credit loss provision to net charge-offs | 187.5000% | 1,007 |
| Earnings coverage of net charge-offs (x) | 156.6667% | 727 |
| Efficiency ratio | 76.0536% | 1,074 |
| Assets per employee ($millions) | 4.7335% | 3,885 |
| Cash dividends to net income (ytd only)* | 63.9005% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3403% | 1,842 |
| Loan loss allowance to noncurrent loans | 1,076.4434% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.2100% | 2,203 |
| Noncurrent loans to loans | 0.1245% | 3,022 |
| Net loans and leases to total assets | 59.9000% | 2,513 |
| Net loans and leases to deposits | 73.8382% | 2,068 |
| Net loans and leases to core deposits | 78.8191% | 1,986 |
| Total domestic deposits to total assets | 81.1300% | 3,959 |
| Equity capital to assets | 8.6069% | 2,475 |
| Core capital (leverage) ratio | 8.8877% | 3,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8822% | 2,522 |
| Memoranda: | ||
| Average total assets | $589,443,000 | 1,517 |
| Average earning assets | $532,979,000 | 1,561 |
| Average equity | $57,465,000 | 1,463 |
| Average total loans | $326,607,250 | 1,613 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3783% | 2,495 |
| Cost of funding earning assets | 0.2059% | 2,841 |
| Net interest margin | 3.1724% | 2,276 |
| Noninterest income to average assets | 0.7973% | 1,050 |
| Noninterest expense to average assets | 2.8554% | 1,067 |
| Loan and lease loss provision to assets | 0.0030% | 2,554 |
| Net operating income to assets | 0.7865% | 3,008 |
| Return on assets (ROA) | 0.7865% | 2,977 |
| Pretax return on assets | 0.8131% | 3,285 |
| Return on Equity (ROE) | 7.7756% | 3,081 |
| Retained earnings to average equity (ytd only) | 2.8777% | 3,480 |
| Net charge-offs to loans | -0.0019% | 3,123 |
| Credit loss provision to net charge-offs | -300.0000% | 3,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3893% | 1,236 |
| Assets per employee ($millions) | 4.8487% | 3,815 |
| Cash dividends to net income (ytd only)* | 62.9915% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3850% | 1,809 |
| Loan loss allowance to noncurrent loans | 919.1700% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.2157% | 2,238 |
| Noncurrent loans to loans | 0.1507% | 2,940 |
| Net loans and leases to total assets | 55.9846% | 2,760 |
| Net loans and leases to deposits | 69.6446% | 2,251 |
| Net loans and leases to core deposits | 74.2125% | 2,154 |
| Total domestic deposits to total assets | 80.3862% | 4,194 |
| Equity capital to assets | 9.0995% | 2,316 |
| Core capital (leverage) ratio | 8.7107% | 3,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1132% | 2,446 |
| Memoranda: | ||
| Average total assets | $595,007,000 | 1,507 |
| Average earning assets | $539,086,667 | 1,556 |
| Average equity | $60,188,000 | 1,431 |
| Average total loans | $319,555,667 | 1,635 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2315% | 2,597 |
| Cost of funding earning assets | 0.1951% | 2,862 |
| Net interest margin | 3.0364% | 2,378 |
| Noninterest income to average assets | 0.8660% | 897 |
| Noninterest expense to average assets | 2.8314% | 1,096 |
| Loan and lease loss provision to assets | 0.0020% | 2,259 |
| Net operating income to assets | 0.7695% | 2,777 |
| Return on assets (ROA) | 0.7695% | 2,768 |
| Pretax return on assets | 0.7869% | 3,149 |
| Return on Equity (ROE) | 7.2465% | 2,958 |
| Retained earnings to average equity (ytd only) | 3.2824% | 3,169 |
| Net charge-offs to loans | -0.0026% | 3,148 |
| Credit loss provision to net charge-offs | -150.0000% | 2,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8006% | 1,436 |
| Assets per employee ($millions) | 4.9182% | 3,818 |
| Cash dividends to net income (ytd only)* | 54.7038% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4442% | 1,739 |
| Loan loss allowance to noncurrent loans | 743.2000% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.2325% | 2,253 |
| Noncurrent loans to loans | 0.1943% | 2,842 |
| Net loans and leases to total assets | 52.8285% | 2,902 |
| Net loans and leases to deposits | 66.0117% | 2,339 |
| Net loans and leases to core deposits | 70.3344% | 2,263 |
| Total domestic deposits to total assets | 80.0290% | 4,291 |
| Equity capital to assets | 9.8842% | 1,982 |
| Core capital (leverage) ratio | 8.5988% | 3,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4868% | 2,416 |
| Memoranda: | ||
| Average total assets | $596,741,000 | 1,510 |
| Average earning assets | $541,290,000 | 1,559 |
| Average equity | $63,368,500 | 1,423 |
| Average total loans | $311,422,500 | 1,656 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4828% | 2,708 |
| Cost of funding earning assets | 0.2518% | 2,912 |
| Net interest margin | 3.2310% | 2,513 |
| Noninterest income to average assets | 0.7598% | 1,565 |
| Noninterest expense to average assets | 2.7369% | 1,522 |
| Loan and lease loss provision to assets | 0.0595% | 1,870 |
| Net operating income to assets | 0.8656% | 3,147 |
| Return on assets (ROA) | 0.8700% | 3,200 |
| Pretax return on assets | 0.8948% | 3,523 |
| Return on Equity (ROE) | 7.3166% | 3,434 |
| Retained earnings to average equity (ytd only) | 2.7583% | 3,741 |
| Net charge-offs to loans | -0.1320% | 4,642 |
| Credit loss provision to net charge-offs | -84.1191% | 3,332 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7805% | 1,428 |
| Assets per employee ($millions) | 5.1605% | 3,589 |
| Cash dividends to net income (ytd only)* | 62.3007% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5404% | 1,423 |
| Loan loss allowance to noncurrent loans | 747.1820% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.2453% | 2,332 |
| Noncurrent loans to loans | 0.2062% | 2,922 |
| Net loans and leases to total assets | 49.9742% | 3,281 |
| Net loans and leases to deposits | 63.0919% | 2,776 |
| Net loans and leases to core deposits | 67.4118% | 2,695 |
| Total domestic deposits to total assets | 79.2086% | 4,292 |
| Equity capital to assets | 11.3621% | 1,574 |
| Core capital (leverage) ratio | 8.8556% | 3,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1329% | 2,193 |
| Memoranda: | ||
| Average total assets | $569,520,200 | 1,514 |
| Average earning assets | $515,912,000 | 1,557 |
| Average equity | $67,722,800 | 1,388 |
| Average total loans | $305,407,000 | 1,687 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5621% | 2,656 |
| Cost of funding earning assets | 0.2652% | 2,953 |
| Net interest margin | 3.2969% | 2,423 |
| Noninterest income to average assets | 0.7625% | 1,640 |
| Noninterest expense to average assets | 2.7074% | 1,571 |
| Loan and lease loss provision to assets | 0.0589% | 1,814 |
| Net operating income to assets | 0.9489% | 3,085 |
| Return on assets (ROA) | 0.9549% | 3,146 |
| Pretax return on assets | 0.9878% | 3,499 |
| Return on Equity (ROE) | 7.9373% | 3,423 |
| Retained earnings to average equity (ytd only) | 1.8663% | 4,228 |
| Net charge-offs to loans | -0.1875% | 4,762 |
| Credit loss provision to net charge-offs | -57.7726% | 3,155 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7847% | 1,516 |
| Assets per employee ($millions) | 4.8058% | 3,887 |
| Cash dividends to net income (ytd only)* | 76.4866% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5015% | 1,628 |
| Loan loss allowance to noncurrent loans | 323.5336% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.2474% | 2,543 |
| Noncurrent loans to loans | 0.4641% | 2,166 |
| Net loans and leases to total assets | 52.5118% | 3,141 |
| Net loans and leases to deposits | 64.6088% | 2,779 |
| Net loans and leases to core deposits | 69.3092% | 2,654 |
| Total domestic deposits to total assets | 81.2764% | 4,052 |
| Equity capital to assets | 11.8635% | 1,464 |
| Core capital (leverage) ratio | 8.8692% | 3,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8241% | 2,420 |
| Memoranda: | ||
| Average total assets | $563,536,250 | 1,544 |
| Average earning assets | $510,281,500 | 1,583 |
| Average equity | $67,796,250 | 1,397 |
| Average total loans | $306,455,000 | 1,704 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5404% | 2,799 |
| Cost of funding earning assets | 0.2789% | 2,996 |
| Net interest margin | 3.2615% | 2,576 |
| Noninterest income to average assets | 0.7747% | 1,598 |
| Noninterest expense to average assets | 2.6186% | 1,811 |
| Loan and lease loss provision to assets | 0.0863% | 1,421 |
| Net operating income to assets | 0.9815% | 2,957 |
| Return on assets (ROA) | 0.9897% | 3,013 |
| Pretax return on assets | 1.0318% | 3,366 |
| Return on Equity (ROE) | 8.1883% | 3,356 |
| Retained earnings to average equity (ytd only) | 2.6468% | 3,956 |
| Net charge-offs to loans | 0.0046% | 1,986 |
| Credit loss provision to net charge-offs | 3,457.1429% | 188 |
| Earnings coverage of net charge-offs (x) | 444.4286% | 291 |
| Efficiency ratio | 68.7554% | 1,788 |
| Assets per employee ($millions) | 4.9782% | 3,678 |
| Cash dividends to net income (ytd only)* | 67.6757% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3343% | 2,267 |
| Loan loss allowance to noncurrent loans | 303.0059% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 0.2511% | 2,668 |
| Noncurrent loans to loans | 0.4404% | 2,351 |
| Net loans and leases to total assets | 53.8509% | 3,150 |
| Net loans and leases to deposits | 66.4134% | 2,788 |
| Net loans and leases to core deposits | 71.0507% | 2,684 |
| Total domestic deposits to total assets | 81.0844% | 4,081 |
| Equity capital to assets | 11.9554% | 1,383 |
| Core capital (leverage) ratio | 8.8982% | 3,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9288% | 2,389 |
| Memoranda: | ||
| Average total assets | $560,752,000 | 1,548 |
| Average earning assets | $507,797,000 | 1,584 |
| Average equity | $67,779,667 | 1,393 |
| Average total loans | $306,977,667 | 1,709 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6035% | 2,629 |
| Cost of funding earning assets | 0.2930% | 3,072 |
| Net interest margin | 3.3105% | 2,358 |
| Noninterest income to average assets | 0.8397% | 1,491 |
| Noninterest expense to average assets | 2.5993% | 1,888 |
| Loan and lease loss provision to assets | 0.0847% | 1,543 |
| Net operating income to assets | 1.1008% | 2,474 |
| Return on assets (ROA) | 1.1174% | 2,498 |
| Pretax return on assets | 1.1647% | 2,937 |
| Return on Equity (ROE) | 9.1932% | 2,964 |
| Retained earnings to average equity (ytd only) | 4.9007% | 3,251 |
| Net charge-offs to loans | -0.0209% | 4,018 |
| Credit loss provision to net charge-offs | -737.5000% | 3,267 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3982% | 2,172 |
| Assets per employee ($millions) | 5.3172% | 3,310 |
| Cash dividends to net income (ytd only)* | 46.6924% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3502% | 2,196 |
| Loan loss allowance to noncurrent loans | 434.0151% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.1724% | 3,308 |
| Noncurrent loans to loans | 0.3111% | 2,989 |
| Net loans and leases to total assets | 51.2992% | 3,512 |
| Net loans and leases to deposits | 62.5688% | 3,267 |
| Net loans and leases to core deposits | 66.8808% | 3,166 |
| Total domestic deposits to total assets | 81.9885% | 3,896 |
| Equity capital to assets | 11.7302% | 1,424 |
| Core capital (leverage) ratio | 9.0470% | 3,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7283% | 1,993 |
| Memoranda: | ||
| Average total assets | $557,373,000 | 1,543 |
| Average earning assets | $503,736,000 | 1,583 |
| Average equity | $67,745,500 | 1,383 |
| Average total loans | $305,595,500 | 1,718 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9271% | 2,945 |
| Cost of funding earning assets | 0.4466% | 3,302 |
| Net interest margin | 3.4805% | 2,530 |
| Noninterest income to average assets | 0.9100% | 1,239 |
| Noninterest expense to average assets | 3.0347% | 1,363 |
| Loan and lease loss provision to assets | 0.1034% | 3,040 |
| Net operating income to assets | 0.8686% | 2,830 |
| Return on assets (ROA) | 0.8733% | 2,952 |
| Pretax return on assets | 0.9127% | 3,334 |
| Return on Equity (ROE) | 6.9849% | 3,217 |
| Retained earnings to average equity (ytd only) | 3.6837% | 2,988 |
| Net charge-offs to loans | 0.0565% | 1,967 |
| Credit loss provision to net charge-offs | 299.4350% | 1,737 |
| Earnings coverage of net charge-offs (x) | 29.2768% | 1,631 |
| Efficiency ratio | 73.4867% | 1,507 |
| Assets per employee ($millions) | 5.0513% | 3,338 |
| Cash dividends to net income (ytd only)* | 47.2626% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2471% | 2,705 |
| Loan loss allowance to noncurrent loans | 399.7949% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.1917% | 3,323 |
| Noncurrent loans to loans | 0.3119% | 3,086 |
| Net loans and leases to total assets | 57.1097% | 3,191 |
| Net loans and leases to deposits | 70.5487% | 2,821 |
| Net loans and leases to core deposits | 75.7567% | 2,752 |
| Total domestic deposits to total assets | 80.9508% | 3,879 |
| Equity capital to assets | 12.6052% | 1,271 |
| Core capital (leverage) ratio | 9.1189% | 3,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1009% | 2,199 |
| Memoranda: | ||
| Average total assets | $512,439,200 | 1,512 |
| Average earning assets | $461,719,800 | 1,557 |
| Average equity | $64,066,400 | 1,382 |
| Average total loans | $313,156,000 | 1,639 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9710% | 3,058 |
| Cost of funding earning assets | 0.4743% | 3,400 |
| Net interest margin | 3.4968% | 2,599 |
| Noninterest income to average assets | 0.9721% | 1,078 |
| Noninterest expense to average assets | 3.0803% | 1,271 |
| Loan and lease loss provision to assets | 0.0991% | 3,085 |
| Net operating income to assets | 0.9053% | 2,685 |
| Return on assets (ROA) | 0.9117% | 2,780 |
| Pretax return on assets | 0.9520% | 3,224 |
| Return on Equity (ROE) | 7.3082% | 3,091 |
| Retained earnings to average equity (ytd only) | 2.8357% | 3,585 |
| Net charge-offs to loans | 0.0451% | 1,979 |
| Credit loss provision to net charge-offs | 354.7170% | 1,597 |
| Earnings coverage of net charge-offs (x) | 37.3585% | 1,414 |
| Efficiency ratio | 74.2086% | 1,388 |
| Assets per employee ($millions) | 4.8404% | 3,437 |
| Cash dividends to net income (ytd only)* | 61.1979% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1663% | 2,860 |
| Loan loss allowance to noncurrent loans | 1,513.4921% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.1135% | 3,864 |
| Noncurrent loans to loans | 0.0771% | 4,063 |
| Net loans and leases to total assets | 60.1562% | 3,213 |
| Net loans and leases to deposits | 74.8275% | 2,874 |
| Net loans and leases to core deposits | 80.3092% | 2,814 |
| Total domestic deposits to total assets | 80.3931% | 3,783 |
| Equity capital to assets | 12.4982% | 1,432 |
| Core capital (leverage) ratio | 8.9619% | 3,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4334% | 2,444 |
| Memoranda: | ||
| Average total assets | $505,428,000 | 1,508 |
| Average earning assets | $455,722,000 | 1,557 |
| Average equity | $63,050,750 | 1,385 |
| Average total loans | $313,303,250 | 1,631 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0445% | 3,209 |
| Cost of funding earning assets | 0.5025% | 3,520 |
| Net interest margin | 3.5420% | 2,666 |
| Noninterest income to average assets | 0.9600% | 1,054 |
| Noninterest expense to average assets | 3.1572% | 1,231 |
| Loan and lease loss provision to assets | 0.0909% | 3,130 |
| Net operating income to assets | 0.8691% | 2,810 |
| Return on assets (ROA) | 0.8719% | 2,920 |
| Pretax return on assets | 0.9115% | 3,280 |
| Return on Equity (ROE) | 6.9937% | 3,136 |
| Retained earnings to average equity (ytd only) | 3.3461% | 3,254 |
| Net charge-offs to loans | -0.0045% | 3,991 |
| Credit loss provision to net charge-offs | -3,214.2857% | 4,015 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4570% | 1,314 |
| Assets per employee ($millions) | 4.7974% | 3,417 |
| Cash dividends to net income (ytd only)* | 52.1558% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1549% | 2,757 |
| Loan loss allowance to noncurrent loans | 622.2405% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.1351% | 3,845 |
| Noncurrent loans to loans | 0.1856% | 3,716 |
| Net loans and leases to total assets | 60.1615% | 3,302 |
| Net loans and leases to deposits | 72.9641% | 3,166 |
| Net loans and leases to core deposits | 77.9760% | 3,107 |
| Total domestic deposits to total assets | 82.4536% | 3,254 |
| Equity capital to assets | 12.3791% | 1,437 |
| Core capital (leverage) ratio | 9.2199% | 3,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7011% | 2,312 |
| Memoranda: | ||
| Average total assets | $494,809,000 | 1,513 |
| Average earning assets | $446,582,333 | 1,554 |
| Average equity | $61,684,000 | 1,394 |
| Average total loans | $308,729,667 | 1,631 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2065% | 3,190 |
| Cost of funding earning assets | 0.5484% | 3,704 |
| Net interest margin | 3.6581% | 2,484 |
| Noninterest income to average assets | 0.9697% | 914 |
| Noninterest expense to average assets | 3.2773% | 1,264 |
| Loan and lease loss provision to assets | 0.0642% | 2,960 |
| Net operating income to assets | 0.8854% | 2,568 |
| Return on assets (ROA) | 0.8911% | 2,653 |
| Pretax return on assets | 0.9300% | 3,054 |
| Return on Equity (ROE) | 7.1201% | 2,893 |
| Retained earnings to average equity (ytd only) | 4.4678% | 2,506 |
| Net charge-offs to loans | 0.0481% | 1,528 |
| Credit loss provision to net charge-offs | 211.1111% | 1,390 |
| Earnings coverage of net charge-offs (x) | 32.5000% | 1,130 |
| Efficiency ratio | 76.3366% | 1,528 |
| Assets per employee ($millions) | 4.1163% | 3,762 |
| Cash dividends to net income (ytd only)* | 37.2512% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1921% | 2,711 |
| Loan loss allowance to noncurrent loans | 1,083.0816% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.0997% | 4,117 |
| Noncurrent loans to loans | 0.1101% | 4,077 |
| Net loans and leases to total assets | 62.7691% | 3,221 |
| Net loans and leases to deposits | 75.0352% | 3,167 |
| Net loans and leases to core deposits | 81.0710% | 3,102 |
| Total domestic deposits to total assets | 83.6530% | 2,904 |
| Equity capital to assets | 13.2909% | 1,307 |
| Core capital (leverage) ratio | 10.1606% | 3,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8411% | 2,350 |
| Memoranda: | ||
| Average total assets | $473,560,000 | 1,525 |
| Average earning assets | $426,672,000 | 1,571 |
| Average equity | $59,269,000 | 1,430 |
| Average total loans | $299,580,000 | 1,649 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3102% | 3,514 |
| Cost of funding earning assets | 0.6232% | 3,540 |
| Net interest margin | 3.6870% | 2,845 |
| Noninterest income to average assets | 0.7186% | 1,748 |
| Noninterest expense to average assets | 3.1429% | 1,664 |
| Loan and lease loss provision to assets | 0.0350% | 3,307 |
| Net operating income to assets | 0.8160% | 3,511 |
| Return on assets (ROA) | 0.8160% | 3,598 |
| Pretax return on assets | 0.8549% | 3,863 |
| Return on Equity (ROE) | 6.7221% | 3,652 |
| Retained earnings to average equity (ytd only) | 3.0995% | 3,470 |
| Net charge-offs to loans | 0.0393% | 2,601 |
| Credit loss provision to net charge-offs | 139.2857% | 1,851 |
| Earnings coverage of net charge-offs (x) | 35.3690% | 1,415 |
| Efficiency ratio | 77.1299% | 1,249 |
| Assets per employee ($millions) | 4.1649% | 3,677 |
| Cash dividends to net income (ytd only)* | 53.8913% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6585% | 870 |
| Loan loss allowance to noncurrent loans | 5,453.8462% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.0326% | 4,481 |
| Noncurrent loans to loans | 0.0304% | 4,442 |
| Net loans and leases to total assets | 62.3091% | 3,365 |
| Net loans and leases to deposits | 75.0945% | 3,250 |
| Net loans and leases to core deposits | 83.5241% | 2,998 |
| Total domestic deposits to total assets | 82.9743% | 3,200 |
| Equity capital to assets | 12.3574% | 1,910 |
| Core capital (leverage) ratio | 9.4061% | 4,164 |
| Tier 1 risk-based capital ratio | 12.4896% | 4,073 |
| Total risk-based capital ratio | 13.7419% | 3,957 |
| Memoranda: | ||
| Average total assets | $333,828,000 | 1,964 |
| Average earning assets | $300,080,400 | 2,024 |
| Average equity | $40,523,200 | 1,908 |
| Average total loans | $213,744,600 | 2,065 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3337% | 3,561 |
| Cost of funding earning assets | 0.6009% | 3,698 |
| Net interest margin | 3.7328% | 2,814 |
| Noninterest income to average assets | 0.6700% | 1,915 |
| Noninterest expense to average assets | 3.1396% | 1,611 |
| Loan and lease loss provision to assets | 0.0348% | 3,202 |
| Net operating income to assets | 0.8165% | 3,617 |
| Return on assets (ROA) | 0.8165% | 3,701 |
| Pretax return on assets | 0.8538% | 3,995 |
| Return on Equity (ROE) | 6.7573% | 3,788 |
| Retained earnings to average equity (ytd only) | 1.8923% | 4,310 |
| Net charge-offs to loans | 0.0412% | 2,271 |
| Credit loss provision to net charge-offs | 131.8182% | 1,805 |
| Earnings coverage of net charge-offs (x) | 33.6203% | 1,521 |
| Efficiency ratio | 77.1250% | 1,202 |
| Assets per employee ($millions) | 4.1955% | 3,621 |
| Cash dividends to net income (ytd only)* | 71.9959% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6967% | 829 |
| Loan loss allowance to noncurrent loans | 3,969.6629% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.0435% | 4,497 |
| Noncurrent loans to loans | 0.0427% | 4,456 |
| Net loans and leases to total assets | 60.9864% | 3,595 |
| Net loans and leases to deposits | 73.2798% | 3,536 |
| Net loans and leases to core deposits | 81.1809% | 3,299 |
| Total domestic deposits to total assets | 83.2241% | 3,090 |
| Equity capital to assets | 12.2506% | 2,076 |
| Core capital (leverage) ratio | 9.2660% | 4,408 |
| Tier 1 risk-based capital ratio | 12.5603% | 4,106 |
| Total risk-based capital ratio | 13.8127% | 3,981 |
| Memoranda: | ||
| Average total assets | $332,945,000 | 1,978 |
| Average earning assets | $299,534,500 | 2,036 |
| Average equity | $40,231,750 | 1,927 |
| Average total loans | $213,743,000 | 2,082 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3306% | 3,542 |
| Cost of funding earning assets | 0.5717% | 3,785 |
| Net interest margin | 3.7589% | 2,721 |
| Noninterest income to average assets | 0.6487% | 1,924 |
| Noninterest expense to average assets | 3.1080% | 1,710 |
| Loan and lease loss provision to assets | 0.0379% | 3,053 |
| Net operating income to assets | 0.8457% | 3,486 |
| Return on assets (ROA) | 0.8457% | 3,546 |
| Pretax return on assets | 0.8848% | 3,888 |
| Return on Equity (ROE) | 7.0312% | 3,668 |
| Retained earnings to average equity (ytd only) | 2.0633% | 4,089 |
| Net charge-offs to loans | 0.0482% | 1,956 |
| Credit loss provision to net charge-offs | 121.1538% | 1,729 |
| Earnings coverage of net charge-offs (x) | 29.4615% | 1,481 |
| Efficiency ratio | 76.2552% | 1,359 |
| Assets per employee ($millions) | 4.3774% | 3,322 |
| Cash dividends to net income (ytd only)* | 70.6553% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6492% | 926 |
| Loan loss allowance to noncurrent loans | 4,826.0274% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.0326% | 4,608 |
| Noncurrent loans to loans | 0.0342% | 4,543 |
| Net loans and leases to total assets | 62.3313% | 3,507 |
| Net loans and leases to deposits | 75.9464% | 3,342 |
| Net loans and leases to core deposits | 83.4533% | 3,157 |
| Total domestic deposits to total assets | 82.0728% | 3,488 |
| Equity capital to assets | 12.1012% | 2,117 |
| Core capital (leverage) ratio | 9.1938% | 4,465 |
| Tier 1 risk-based capital ratio | 12.4400% | 4,161 |
| Total risk-based capital ratio | 13.6927% | 4,041 |
| Memoranda: | ||
| Average total assets | $332,046,000 | 1,996 |
| Average earning assets | $298,756,670 | 2,045 |
| Average equity | $39,936,330 | 1,935 |
| Average total loans | $215,581,000 | 2,076 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3316% | 3,461 |
| Cost of funding earning assets | 0.5455% | 3,846 |
| Net interest margin | 3.7861% | 2,582 |
| Noninterest income to average assets | 0.5960% | 2,066 |
| Noninterest expense to average assets | 3.1013% | 1,731 |
| Loan and lease loss provision to assets | 0.0376% | 2,874 |
| Net operating income to assets | 0.8230% | 3,538 |
| Return on assets (ROA) | 0.8230% | 3,578 |
| Pretax return on assets | 0.8606% | 3,893 |
| Return on Equity (ROE) | 6.8640% | 3,728 |
| Retained earnings to average equity (ytd only) | 1.2250% | 4,271 |
| Net charge-offs to loans | 0.0924% | 1,204 |
| Credit loss provision to net charge-offs | 62.0000% | 1,902 |
| Earnings coverage of net charge-offs (x) | 14.8000% | 1,776 |
| Efficiency ratio | 76.6616% | 1,422 |
| Assets per employee ($millions) | 4.4113% | 3,310 |
| Cash dividends to net income (ytd only)* | 82.1534% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6092% | 1,040 |
| Loan loss allowance to noncurrent loans | 1,375.1969% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.0758% | 4,438 |
| Noncurrent loans to loans | 0.1170% | 4,215 |
| Net loans and leases to total assets | 63.7031% | 3,326 |
| Net loans and leases to deposits | 77.3046% | 3,132 |
| Net loans and leases to core deposits | 84.8123% | 2,963 |
| Total domestic deposits to total assets | 82.4053% | 3,615 |
| Equity capital to assets | 11.9066% | 2,081 |
| Core capital (leverage) ratio | 9.1621% | 4,510 |
| Tier 1 risk-based capital ratio | 12.1499% | 4,381 |
| Total risk-based capital ratio | 13.4022% | 4,258 |
| Memoranda: | ||
| Average total assets | $329,540,500 | 2,024 |
| Average earning assets | $296,241,500 | 2,074 |
| Average equity | $39,510,500 | 1,943 |
| Average total loans | $216,564,000 | 2,086 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2496% | 3,276 |
| Cost of funding earning assets | 0.4824% | 3,462 |
| Net interest margin | 3.7672% | 2,795 |
| Noninterest income to average assets | 1.0314% | 886 |
| Noninterest expense to average assets | 3.2155% | 1,512 |
| Loan and lease loss provision to assets | 0.0419% | 3,351 |
| Net operating income to assets | 1.1209% | 2,512 |
| Return on assets (ROA) | 1.1209% | 2,508 |
| Pretax return on assets | 1.1597% | 3,064 |
| Return on Equity (ROE) | 9.3884% | 2,794 |
| Retained earnings to average equity (ytd only) | 5.5300% | 2,464 |
| Net charge-offs to loans | 0.0134% | 3,232 |
| Credit loss provision to net charge-offs | 475.0000% | 720 |
| Earnings coverage of net charge-offs (x) | 136.1071% | 596 |
| Efficiency ratio | 71.9323% | 1,908 |
| Assets per employee ($millions) | 4.3176% | 3,433 |
| Cash dividends to net income (ytd only)* | 41.0970% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6254% | 974 |
| Loan loss allowance to noncurrent loans | 790.9910% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.1371% | 4,135 |
| Noncurrent loans to loans | 0.2055% | 3,846 |
| Net loans and leases to total assets | 65.6387% | 3,179 |
| Net loans and leases to deposits | 79.4427% | 3,013 |
| Net loans and leases to core deposits | 87.2889% | 2,812 |
| Total domestic deposits to total assets | 82.6240% | 3,445 |
| Equity capital to assets | 12.0755% | 1,845 |
| Core capital (leverage) ratio | 9.2142% | 4,436 |
| Tier 1 risk-based capital ratio | 12.2844% | 4,244 |
| Total risk-based capital ratio | 13.5370% | 4,130 |
| Memoranda: | ||
| Average total assets | $317,155,400 | 2,056 |
| Average earning assets | $285,041,400 | 2,104 |
| Average equity | $37,866,000 | 1,946 |
| Average total loans | $209,454,400 | 2,099 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1913% | 3,348 |
| Cost of funding earning assets | 0.4692% | 3,403 |
| Net interest margin | 3.7221% | 2,931 |
| Noninterest income to average assets | 1.1402% | 724 |
| Noninterest expense to average assets | 3.2550% | 1,397 |
| Loan and lease loss provision to assets | 0.0410% | 3,182 |
| Net operating income to assets | 1.1432% | 2,467 |
| Return on assets (ROA) | 1.1432% | 2,482 |
| Pretax return on assets | 1.1901% | 3,028 |
| Return on Equity (ROE) | 9.6030% | 2,796 |
| Retained earnings to average equity (ytd only) | 4.4163% | 3,546 |
| Net charge-offs to loans | 0.0141% | 2,920 |
| Credit loss provision to net charge-offs | 440.9091% | 773 |
| Earnings coverage of net charge-offs (x) | 132.4207% | 614 |
| Efficiency ratio | 71.6816% | 1,935 |
| Assets per employee ($millions) | 4.2847% | 3,456 |
| Cash dividends to net income (ytd only)* | 54.0110% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6491% | 967 |
| Loan loss allowance to noncurrent loans | 1,126.5372% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.0949% | 4,501 |
| Noncurrent loans to loans | 0.1464% | 4,231 |
| Net loans and leases to total assets | 63.7536% | 3,458 |
| Net loans and leases to deposits | 76.5660% | 3,366 |
| Net loans and leases to core deposits | 83.0619% | 3,242 |
| Total domestic deposits to total assets | 83.2662% | 3,211 |
| Equity capital to assets | 11.6056% | 2,176 |
| Core capital (leverage) ratio | 9.2287% | 4,484 |
| Tier 1 risk-based capital ratio | 12.0569% | 4,474 |
| Total risk-based capital ratio | 13.3092% | 4,354 |
| Memoranda: | ||
| Average total assets | $315,489,000 | 2,079 |
| Average earning assets | $283,598,750 | 2,124 |
| Average equity | $37,556,750 | 1,966 |
| Average total loans | $207,802,000 | 2,120 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1640% | 3,225 |
| Cost of funding earning assets | 0.4698% | 3,225 |
| Net interest margin | 3.6942% | 2,951 |
| Noninterest income to average assets | 1.3483% | 528 |
| Noninterest expense to average assets | 3.3264% | 1,258 |
| Loan and lease loss provision to assets | 0.0423% | 3,053 |
| Net operating income to assets | 1.2509% | 1,979 |
| Return on assets (ROA) | 1.2509% | 1,977 |
| Pretax return on assets | 1.3002% | 2,516 |
| Return on Equity (ROE) | 10.4167% | 2,374 |
| Retained earnings to average equity (ytd only) | 6.6385% | 2,239 |
| Net charge-offs to loans | 0.0223% | 2,433 |
| Credit loss provision to net charge-offs | 286.9565% | 1,036 |
| Earnings coverage of net charge-offs (x) | 91.0870% | 741 |
| Efficiency ratio | 70.3678% | 2,251 |
| Assets per employee ($millions) | 4.2121% | 3,563 |
| Cash dividends to net income (ytd only)* | 36.2705% | 2,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6374% | 1,014 |
| Loan loss allowance to noncurrent loans | 1,960.2273% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.0565% | 4,741 |
| Noncurrent loans to loans | 0.0835% | 4,536 |
| Net loans and leases to total assets | 66.4898% | 3,071 |
| Net loans and leases to deposits | 81.1360% | 2,846 |
| Net loans and leases to core deposits | 88.7150% | 2,666 |
| Total domestic deposits to total assets | 81.9486% | 3,738 |
| Equity capital to assets | 12.1794% | 1,732 |
| Core capital (leverage) ratio | 9.3498% | 4,299 |
| Tier 1 risk-based capital ratio | 12.1704% | 4,389 |
| Total risk-based capital ratio | 13.4231% | 4,268 |
| Memoranda: | ||
| Average total assets | $312,107,000 | 2,110 |
| Average earning assets | $280,546,330 | 2,153 |
| Average equity | $37,478,330 | 1,968 |
| Average total loans | $206,707,670 | 2,134 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1137% | 3,191 |
| Cost of funding earning assets | 0.4647% | 3,089 |
| Net interest margin | 3.6490% | 2,992 |
| Noninterest income to average assets | 1.3499% | 515 |
| Noninterest expense to average assets | 3.4235% | 1,123 |
| Loan and lease loss provision to assets | 0.0410% | 2,937 |
| Net operating income to assets | 1.1181% | 2,345 |
| Return on assets (ROA) | 1.1181% | 2,363 |
| Pretax return on assets | 1.1642% | 2,910 |
| Return on Equity (ROE) | 9.3780% | 2,727 |
| Retained earnings to average equity (ytd only) | 4.2647% | 3,481 |
| Net charge-offs to loans | 0.0059% | 2,521 |
| Credit loss provision to net charge-offs | 1,066.6667% | 325 |
| Earnings coverage of net charge-offs (x) | 313.6667% | 215 |
| Efficiency ratio | 73.0769% | 2,029 |
| Assets per employee ($millions) | 4.1597% | 3,714 |
| Cash dividends to net income (ytd only)* | 54.5246% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6852% | 982 |
| Loan loss allowance to noncurrent loans | 1,263.2353% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.0892% | 4,644 |
| Noncurrent loans to loans | 0.1334% | 4,372 |
| Net loans and leases to total assets | 63.4101% | 3,380 |
| Net loans and leases to deposits | 77.6364% | 3,054 |
| Net loans and leases to core deposits | 84.5075% | 2,931 |
| Total domestic deposits to total assets | 81.6758% | 4,044 |
| Equity capital to assets | 11.7504% | 1,951 |
| Core capital (leverage) ratio | 8.8736% | 4,823 |
| Tier 1 risk-based capital ratio | 12.2944% | 4,385 |
| Total risk-based capital ratio | 13.5476% | 4,273 |
| Memoranda: | ||
| Average total assets | $312,311,000 | 2,134 |
| Average earning assets | $280,624,000 | 2,176 |
| Average equity | $37,236,000 | 1,988 |
| Average total loans | $204,712,500 | 2,160 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1483% | 2,891 |
| Cost of funding earning assets | 0.4240% | 3,012 |
| Net interest margin | 3.7244% | 2,699 |
| Noninterest income to average assets | 0.7718% | 1,687 |
| Noninterest expense to average assets | 3.1601% | 1,699 |
| Loan and lease loss provision to assets | 0.0421% | 3,411 |
| Net operating income to assets | 0.8810% | 2,811 |
| Return on assets (ROA) | 0.8810% | 2,831 |
| Pretax return on assets | 0.9057% | 3,905 |
| Return on Equity (ROE) | 7.2843% | 3,129 |
| Retained earnings to average equity (ytd only) | 3.5238% | 3,166 |
| Net charge-offs to loans | 0.0015% | 4,069 |
| Credit loss provision to net charge-offs | 4,266.6667% | 92 |
| Earnings coverage of net charge-offs (x) | 960.0000% | 88 |
| Efficiency ratio | 75.8292% | 1,644 |
| Assets per employee ($millions) | 4.3449% | 3,425 |
| Cash dividends to net income (ytd only)* | 51.6250% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6577% | 1,017 |
| Loan loss allowance to noncurrent loans | 1,305.3640% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.0901% | 4,675 |
| Noncurrent loans to loans | 0.1270% | 4,419 |
| Net loans and leases to total assets | 65.5199% | 3,155 |
| Net loans and leases to deposits | 80.7547% | 2,840 |
| Net loans and leases to core deposits | 87.7741% | 2,745 |
| Total domestic deposits to total assets | 81.1344% | 4,090 |
| Equity capital to assets | 12.0993% | 1,760 |
| Core capital (leverage) ratio | 8.8925% | 4,764 |
| Tier 1 risk-based capital ratio | 11.9960% | 4,531 |
| Total risk-based capital ratio | 13.2489% | 4,414 |
| Memoranda: | ||
| Average total assets | $303,848,800 | 2,146 |
| Average earning assets | $272,181,000 | 2,196 |
| Average equity | $36,750,400 | 1,996 |
| Average total loans | $202,504,200 | 2,135 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1366% | 2,851 |
| Cost of funding earning assets | 0.4105% | 3,083 |
| Net interest margin | 3.7262% | 2,669 |
| Noninterest income to average assets | 0.7885% | 1,626 |
| Noninterest expense to average assets | 3.2019% | 1,552 |
| Loan and lease loss provision to assets | 0.0410% | 3,289 |
| Net operating income to assets | 0.8638% | 3,210 |
| Return on assets (ROA) | 0.8638% | 3,257 |
| Pretax return on assets | 0.8845% | 4,088 |
| Return on Equity (ROE) | 7.1424% | 3,573 |
| Retained earnings to average equity (ytd only) | 2.1088% | 4,601 |
| Net charge-offs to loans | 0.0007% | 3,779 |
| Credit loss provision to net charge-offs | 9,300.0000% | 51 |
| Earnings coverage of net charge-offs (x) | 2,106.2105% | 34 |
| Efficiency ratio | 76.4674% | 1,523 |
| Assets per employee ($millions) | 4.1302% | 3,771 |
| Cash dividends to net income (ytd only)* | 70.4743% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6558% | 1,119 |
| Loan loss allowance to noncurrent loans | 1,653.9216% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.0677% | 4,893 |
| Noncurrent loans to loans | 0.1001% | 4,663 |
| Net loans and leases to total assets | 66.4648% | 3,047 |
| Net loans and leases to deposits | 82.4106% | 2,731 |
| Net loans and leases to core deposits | 90.3986% | 2,572 |
| Total domestic deposits to total assets | 80.6508% | 4,155 |
| Equity capital to assets | 12.3519% | 1,743 |
| Core capital (leverage) ratio | 8.9907% | 4,752 |
| Tier 1 risk-based capital ratio | 11.7413% | 4,811 |
| Total risk-based capital ratio | 12.9943% | 4,681 |
| Memoranda: | ||
| Average total assets | $302,689,000 | 2,169 |
| Average earning assets | $271,229,000 | 2,219 |
| Average equity | $36,606,750 | 2,006 |
| Average total loans | $201,748,250 | 2,151 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0663% | 2,954 |
| Cost of funding earning assets | 0.4004% | 3,071 |
| Net interest margin | 3.6659% | 2,767 |
| Noninterest income to average assets | 0.7727% | 1,676 |
| Noninterest expense to average assets | 3.2110% | 1,553 |
| Loan and lease loss provision to assets | 0.0429% | 3,138 |
| Net operating income to assets | 0.7945% | 3,422 |
| Return on assets (ROA) | 0.7945% | 3,479 |
| Pretax return on assets | 0.8051% | 4,251 |
| Return on Equity (ROE) | 6.6162% | 3,772 |
| Retained earnings to average equity (ytd only) | 1.8354% | 4,514 |
| Net charge-offs to loans | 0.0139% | 2,975 |
| Credit loss provision to net charge-offs | 464.2857% | 700 |
| Earnings coverage of net charge-offs (x) | 91.7857% | 690 |
| Efficiency ratio | 77.9385% | 1,469 |
| Assets per employee ($millions) | 4.0256% | 3,912 |
| Cash dividends to net income (ytd only)* | 72.2591% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6452% | 1,171 |
| Loan loss allowance to noncurrent loans | 1,572.1698% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.0693% | 4,923 |
| Noncurrent loans to loans | 0.1046% | 4,711 |
| Net loans and leases to total assets | 65.1288% | 3,234 |
| Net loans and leases to deposits | 81.4450% | 2,751 |
| Net loans and leases to core deposits | 88.6250% | 2,649 |
| Total domestic deposits to total assets | 79.9666% | 4,421 |
| Equity capital to assets | 12.1135% | 1,856 |
| Core capital (leverage) ratio | 8.9114% | 4,826 |
| Tier 1 risk-based capital ratio | 11.7563% | 4,796 |
| Total risk-based capital ratio | 13.0091% | 4,687 |
| Memoranda: | ||
| Average total assets | $303,085,000 | 2,174 |
| Average earning assets | $271,695,330 | 2,224 |
| Average equity | $36,395,330 | 2,010 |
| Average total loans | $201,075,670 | 2,158 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0780% | 2,738 |
| Cost of funding earning assets | 0.3968% | 3,020 |
| Net interest margin | 3.6811% | 2,557 |
| Noninterest income to average assets | 0.7412% | 1,775 |
| Noninterest expense to average assets | 3.2249% | 1,540 |
| Loan and lease loss provision to assets | 0.0424% | 2,953 |
| Net operating income to assets | 0.7731% | 3,348 |
| Return on assets (ROA) | 0.7731% | 3,405 |
| Pretax return on assets | 0.7704% | 4,215 |
| Return on Equity (ROE) | 6.4666% | 3,683 |
| Retained earnings to average equity (ytd only) | 1.3643% | 4,552 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6864% | 1,533 |
| Assets per employee ($millions) | 3.8198% | 4,318 |
| Cash dividends to net income (ytd only)* | 78.9022% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6333% | 1,305 |
| Loan loss allowance to noncurrent loans | 898.1030% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.1289% | 4,744 |
| Noncurrent loans to loans | 0.1819% | 4,471 |
| Net loans and leases to total assets | 65.3155% | 3,073 |
| Net loans and leases to deposits | 81.3727% | 2,586 |
| Net loans and leases to core deposits | 88.3568% | 2,514 |
| Total domestic deposits to total assets | 80.2670% | 4,568 |
| Equity capital to assets | 11.8902% | 1,914 |
| Core capital (leverage) ratio | 8.8077% | 4,948 |
| Tier 1 risk-based capital ratio | 11.6384% | 4,956 |
| Total risk-based capital ratio | 12.8909% | 4,847 |
| Memoranda: | ||
| Average total assets | $301,653,000 | 2,200 |
| Average earning assets | $270,135,000 | 2,249 |
| Average equity | $36,062,500 | 2,028 |
| Average total loans | $200,316,500 | 2,179 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1128% | 2,801 |
| Cost of funding earning assets | 0.3839% | 3,161 |
| Net interest margin | 3.7288% | 2,579 |
| Noninterest income to average assets | 0.8556% | 1,554 |
| Noninterest expense to average assets | 3.2186% | 1,744 |
| Loan and lease loss provision to assets | 0.0635% | 3,109 |
| Net operating income to assets | 0.9085% | 2,776 |
| Return on assets (ROA) | 0.9513% | 2,685 |
| Pretax return on assets | 0.9519% | 3,650 |
| Return on Equity (ROE) | 7.7233% | 3,102 |
| Retained earnings to average equity (ytd only) | 3.6757% | 3,295 |
| Net charge-offs to loans | -0.0011% | 4,653 |
| Credit loss provision to net charge-offs | -9,350.0000% | 5,493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5466% | 2,057 |
| Assets per employee ($millions) | 3.8170% | 4,274 |
| Cash dividends to net income (ytd only)* | 52.4081% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6599% | 1,231 |
| Loan loss allowance to noncurrent loans | 1,193.4545% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.1028% | 4,906 |
| Noncurrent loans to loans | 0.1391% | 4,671 |
| Net loans and leases to total assets | 65.3104% | 3,175 |
| Net loans and leases to deposits | 80.9281% | 2,785 |
| Net loans and leases to core deposits | 90.1118% | 2,492 |
| Total domestic deposits to total assets | 80.7017% | 4,412 |
| Equity capital to assets | 12.0215% | 1,785 |
| Core capital (leverage) ratio | 9.0035% | 4,745 |
| Tier 1 risk-based capital ratio | 11.7937% | 4,869 |
| Total risk-based capital ratio | 13.0465% | 4,759 |
| Memoranda: | ||
| Average total assets | $294,663,600 | 2,195 |
| Average earning assets | $263,594,200 | 2,255 |
| Average equity | $36,292,600 | 2,010 |
| Average total loans | $187,973,800 | 2,229 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1254% | 2,782 |
| Cost of funding earning assets | 0.3775% | 3,254 |
| Net interest margin | 3.7479% | 2,526 |
| Noninterest income to average assets | 0.8679% | 1,520 |
| Noninterest expense to average assets | 3.2319% | 1,715 |
| Loan and lease loss provision to assets | 0.0640% | 2,952 |
| Net operating income to assets | 0.9085% | 2,858 |
| Return on assets (ROA) | 0.9663% | 2,719 |
| Pretax return on assets | 0.9867% | 3,678 |
| Return on Equity (ROE) | 7.7981% | 3,120 |
| Retained earnings to average equity (ytd only) | 2.4200% | 4,467 |
| Net charge-offs to loans | 0.0101% | 3,576 |
| Credit loss provision to net charge-offs | 1,007.1429% | 396 |
| Earnings coverage of net charge-offs (x) | 156.1109% | 449 |
| Efficiency ratio | 75.2524% | 2,068 |
| Assets per employee ($millions) | 3.7857% | 4,331 |
| Cash dividends to net income (ytd only)* | 68.9672% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7275% | 1,147 |
| Loan loss allowance to noncurrent loans | 1,150.0000% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.1067% | 5,003 |
| Noncurrent loans to loans | 0.1502% | 4,745 |
| Net loans and leases to total assets | 62.8386% | 3,543 |
| Net loans and leases to deposits | 78.8215% | 3,094 |
| Net loans and leases to core deposits | 85.4611% | 2,997 |
| Total domestic deposits to total assets | 79.7227% | 4,572 |
| Equity capital to assets | 12.6155% | 1,698 |
| Core capital (leverage) ratio | 8.9208% | 4,920 |
| Tier 1 risk-based capital ratio | 11.9051% | 4,845 |
| Total risk-based capital ratio | 13.1584% | 4,737 |
| Memoranda: | ||
| Average total assets | $293,898,000 | 2,209 |
| Average earning assets | $263,142,750 | 2,275 |
| Average equity | $36,418,000 | 2,013 |
| Average total loans | $185,535,250 | 2,260 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0530% | 3,054 |
| Cost of funding earning assets | 0.3724% | 3,335 |
| Net interest margin | 3.6806% | 2,781 |
| Noninterest income to average assets | 0.8707% | 1,469 |
| Noninterest expense to average assets | 3.2515% | 1,695 |
| Loan and lease loss provision to assets | 0.0611% | 2,912 |
| Net operating income to assets | 0.8408% | 3,127 |
| Return on assets (ROA) | 0.9033% | 2,975 |
| Pretax return on assets | 0.9216% | 3,869 |
| Return on Equity (ROE) | 7.3335% | 3,350 |
| Retained earnings to average equity (ytd only) | 2.7714% | 4,134 |
| Net charge-offs to loans | 0.0032% | 3,594 |
| Credit loss provision to net charge-offs | 3,000.0000% | 143 |
| Earnings coverage of net charge-offs (x) | 451.3333% | 153 |
| Efficiency ratio | 76.6477% | 1,986 |
| Assets per employee ($millions) | 3.9301% | 4,040 |
| Cash dividends to net income (ytd only)* | 62.2089% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6792% | 1,320 |
| Loan loss allowance to noncurrent loans | 1,407.0796% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.0872% | 5,178 |
| Noncurrent loans to loans | 0.1193% | 4,968 |
| Net loans and leases to total assets | 63.1681% | 3,479 |
| Net loans and leases to deposits | 80.7301% | 2,849 |
| Net loans and leases to core deposits | 87.1088% | 2,804 |
| Total domestic deposits to total assets | 78.2461% | 4,948 |
| Equity capital to assets | 12.4464% | 1,812 |
| Core capital (leverage) ratio | 8.8053% | 5,051 |
| Tier 1 risk-based capital ratio | 11.6287% | 5,076 |
| Total risk-based capital ratio | 12.8810% | 4,975 |
| Memoranda: | ||
| Average total assets | $294,697,670 | 2,213 |
| Average earning assets | $264,197,330 | 2,267 |
| Average equity | $36,299,330 | 2,024 |
| Average total loans | $185,249,000 | 2,263 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0349% | 3,093 |
| Cost of funding earning assets | 0.3711% | 3,385 |
| Net interest margin | 3.6638% | 2,832 |
| Noninterest income to average assets | 0.8701% | 1,382 |
| Noninterest expense to average assets | 3.3448% | 1,496 |
| Loan and lease loss provision to assets | 0.0597% | 2,756 |
| Net operating income to assets | 0.7381% | 3,548 |
| Return on assets (ROA) | 0.8511% | 3,117 |
| Pretax return on assets | 0.8647% | 3,984 |
| Return on Equity (ROE) | 6.9463% | 3,481 |
| Retained earnings to average equity (ytd only) | 2.5038% | 4,253 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1830% | 1,716 |
| Assets per employee ($millions) | 3.9799% | 3,983 |
| Cash dividends to net income (ytd only)* | 63.9553% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7172% | 1,318 |
| Loan loss allowance to noncurrent loans | 1,592.8934% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.0764% | 5,271 |
| Noncurrent loans to loans | 0.1078% | 5,047 |
| Net loans and leases to total assets | 60.1684% | 3,750 |
| Net loans and leases to deposits | 77.0834% | 3,098 |
| Net loans and leases to core deposits | 83.9456% | 2,944 |
| Total domestic deposits to total assets | 78.0562% | 5,138 |
| Equity capital to assets | 12.1768% | 1,904 |
| Core capital (leverage) ratio | 8.6102% | 5,283 |
| Tier 1 risk-based capital ratio | 11.9462% | 4,943 |
| Total risk-based capital ratio | 13.1993% | 4,861 |
| Memoranda: | ||
| Average total assets | $294,666,000 | 2,218 |
| Average earning assets | $264,097,500 | 2,274 |
| Average equity | $36,105,500 | 2,030 |
| Average total loans | $183,186,000 | 2,278 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1055% | 2,892 |
| Cost of funding earning assets | 0.4111% | 3,042 |
| Net interest margin | 3.6944% | 2,766 |
| Noninterest income to average assets | 0.8755% | 1,514 |
| Noninterest expense to average assets | 3.2305% | 1,888 |
| Loan and lease loss provision to assets | 0.0581% | 3,149 |
| Net operating income to assets | 0.9051% | 2,845 |
| Return on assets (ROA) | 0.9062% | 2,918 |
| Pretax return on assets | 0.9077% | 3,809 |
| Return on Equity (ROE) | 6.9344% | 3,542 |
| Retained earnings to average equity (ytd only) | -12.6337% | 6,071 |
| Net charge-offs to loans | -0.0116% | 5,142 |
| Credit loss provision to net charge-offs | -872.2222% | 5,541 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2905% | 2,226 |
| Assets per employee ($millions) | 3.8268% | 4,244 |
| Cash dividends to net income (ytd only)* | 282.1895% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6843% | 1,387 |
| Loan loss allowance to noncurrent loans | 1,189.6154% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.1001% | 5,210 |
| Noncurrent loans to loans | 0.1416% | 4,924 |
| Net loans and leases to total assets | 62.0765% | 3,555 |
| Net loans and leases to deposits | 79.6483% | 2,865 |
| Net loans and leases to core deposits | 87.0632% | 2,691 |
| Total domestic deposits to total assets | 77.9382% | 5,178 |
| Equity capital to assets | 12.3313% | 1,717 |
| Core capital (leverage) ratio | 8.6769% | 5,239 |
| Tier 1 risk-based capital ratio | 11.8392% | 5,048 |
| Total risk-based capital ratio | 13.0919% | 4,966 |
| Memoranda: | ||
| Average total assets | $270,141,400 | 2,344 |
| Average earning assets | $242,748,600 | 2,396 |
| Average equity | $35,302,400 | 2,020 |
| Average total loans | $155,110,600 | 2,525 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0378% | 3,181 |
| Cost of funding earning assets | 0.4037% | 3,189 |
| Net interest margin | 3.6341% | 3,017 |
| Noninterest income to average assets | 0.8610% | 1,578 |
| Noninterest expense to average assets | 3.1399% | 2,116 |
| Loan and lease loss provision to assets | 0.0805% | 2,563 |
| Net operating income to assets | 0.8877% | 3,007 |
| Return on assets (ROA) | 0.8886% | 3,094 |
| Pretax return on assets | 0.9123% | 3,946 |
| Return on Equity (ROE) | 6.6965% | 3,784 |
| Retained earnings to average equity (ytd only) | -19.4978% | 6,195 |
| Net charge-offs to loans | -0.0018% | 4,692 |
| Credit loss provision to net charge-offs | -8,000.0000% | 5,721 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4963% | 2,318 |
| Assets per employee ($millions) | 3.9514% | 3,971 |
| Cash dividends to net income (ytd only)* | 391.1663% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6731% | 1,543 |
| Loan loss allowance to noncurrent loans | 1,487.9227% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.0708% | 5,475 |
| Noncurrent loans to loans | 0.1124% | 5,180 |
| Net loans and leases to total assets | 61.9023% | 3,623 |
| Net loans and leases to deposits | 77.1910% | 3,174 |
| Net loans and leases to core deposits | 83.8379% | 3,063 |
| Total domestic deposits to total assets | 80.1936% | 4,697 |
| Equity capital to assets | 12.1557% | 1,995 |
| Core capital (leverage) ratio | 8.2839% | 5,726 |
| Tier 1 risk-based capital ratio | 11.4027% | 5,425 |
| Total risk-based capital ratio | 12.6552% | 5,336 |
| Memoranda: | ||
| Average total assets | $264,967,250 | 2,404 |
| Average earning assets | $238,476,000 | 2,456 |
| Average equity | $35,162,000 | 2,038 |
| Average total loans | $147,979,500 | 2,629 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7337% | 4,304 |
| Cost of funding earning assets | 0.3827% | 3,452 |
| Net interest margin | 3.3510% | 4,103 |
| Noninterest income to average assets | 0.8584% | 1,576 |
| Noninterest expense to average assets | 3.0357% | 2,440 |
| Loan and lease loss provision to assets | -0.0016% | 5,926 |
| Net operating income to assets | 0.8201% | 3,282 |
| Return on assets (ROA) | 0.8201% | 3,385 |
| Pretax return on assets | 0.8428% | 4,152 |
| Return on Equity (ROE) | 5.9884% | 4,131 |
| Retained earnings to average equity (ytd only) | 2.5746% | 4,417 |
| Net charge-offs to loans | -0.0044% | 4,707 |
| Credit loss provision to net charge-offs | 66.6667% | 2,509 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3021% | 2,024 |
| Assets per employee ($millions) | 3.9493% | 3,982 |
| Cash dividends to net income (ytd only)* | 57.0067% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0426% | 919 |
| Loan loss allowance to noncurrent loans | 2,146.3235% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.0530% | 5,645 |
| Noncurrent loans to loans | 0.0952% | 5,359 |
| Net loans and leases to total assets | 54.5338% | 4,497 |
| Net loans and leases to deposits | 69.4653% | 3,987 |
| Net loans and leases to core deposits | 72.7731% | 4,058 |
| Total domestic deposits to total assets | 78.5051% | 5,188 |
| Equity capital to assets | 13.6208% | 1,119 |
| Core capital (leverage) ratio | 10.1811% | 3,360 |
| Tier 1 risk-based capital ratio | 14.8498% | 3,447 |
| Total risk-based capital ratio | 16.1056% | 3,378 |
| Memoranda: | ||
| Average total assets | $255,821,000 | 2,489 |
| Average earning assets | $230,441,670 | 2,538 |
| Average equity | $35,034,670 | 2,051 |
| Average total loans | $135,944,000 | 2,813 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6987% | 4,372 |
| Cost of funding earning assets | 0.3737% | 3,606 |
| Net interest margin | 3.3250% | 4,112 |
| Noninterest income to average assets | 0.8145% | 1,661 |
| Noninterest expense to average assets | 3.0198% | 2,517 |
| Loan and lease loss provision to assets | -0.0016% | 6,067 |
| Net operating income to assets | 0.7706% | 3,424 |
| Return on assets (ROA) | 0.7706% | 3,559 |
| Pretax return on assets | 0.7925% | 4,268 |
| Return on Equity (ROE) | 5.6117% | 4,224 |
| Retained earnings to average equity (ytd only) | 2.1215% | 4,614 |
| Net charge-offs to loans | 0.0181% | 2,803 |
| Credit loss provision to net charge-offs | -16.6667% | 4,328 |
| Earnings coverage of net charge-offs (x) | 84.1667% | 570 |
| Efficiency ratio | 79.2437% | 1,991 |
| Assets per employee ($millions) | 4.0690% | 3,828 |
| Cash dividends to net income (ytd only)* | 62.1951% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1820% | 826 |
| Loan loss allowance to noncurrent loans | 1,775.0000% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.0630% | 5,681 |
| Noncurrent loans to loans | 0.1229% | 5,334 |
| Net loans and leases to total assets | 50.1100% | 4,838 |
| Net loans and leases to deposits | 63.8128% | 4,389 |
| Net loans and leases to core deposits | 66.9732% | 4,427 |
| Total domestic deposits to total assets | 78.5265% | 5,346 |
| Equity capital to assets | 13.5762% | 1,142 |
| Core capital (leverage) ratio | 9.8476% | 3,825 |
| Tier 1 risk-based capital ratio | 15.5095% | 3,138 |
| Total risk-based capital ratio | 16.7664% | 3,078 |
| Memoranda: | ||
| Average total assets | $255,380,000 | 2,506 |
| Average earning assets | $230,138,000 | 2,552 |
| Average equity | $35,069,500 | 2,063 |
| Average total loans | $132,461,500 | 2,874 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8837% | 4,191 |
| Cost of funding earning assets | 0.4173% | 3,508 |
| Net interest margin | 3.4663% | 3,914 |
| Noninterest income to average assets | 0.9319% | 1,408 |
| Noninterest expense to average assets | 3.1034% | 2,504 |
| Loan and lease loss provision to assets | 0.0036% | 4,533 |
| Net operating income to assets | 0.8813% | 2,964 |
| Return on assets (ROA) | 0.8809% | 3,056 |
| Pretax return on assets | 0.9299% | 3,780 |
| Return on Equity (ROE) | 6.5585% | 3,868 |
| Retained earnings to average equity (ytd only) | 3.7837% | 3,531 |
| Net charge-offs to loans | 0.0452% | 3,918 |
| Credit loss provision to net charge-offs | 16.0714% | 4,022 |
| Earnings coverage of net charge-offs (x) | 41.8393% | 1,043 |
| Efficiency ratio | 76.8684% | 2,380 |
| Assets per employee ($millions) | 3.7930% | 4,356 |
| Cash dividends to net income (ytd only)* | 42.3077% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2187% | 802 |
| Loan loss allowance to noncurrent loans | 1,568.8172% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.0743% | 5,733 |
| Noncurrent loans to loans | 0.1414% | 5,330 |
| Net loans and leases to total assets | 51.3691% | 4,847 |
| Net loans and leases to deposits | 65.3887% | 4,388 |
| Net loans and leases to core deposits | 70.1514% | 4,318 |
| Total domestic deposits to total assets | 78.5596% | 5,335 |
| Equity capital to assets | 13.8946% | 996 |
| Core capital (leverage) ratio | 10.0065% | 3,567 |
| Tier 1 risk-based capital ratio | 16.1786% | 2,869 |
| Total risk-based capital ratio | 17.5336% | 2,762 |
| Memoranda: | ||
| Average total assets | $250,884,200 | 2,516 |
| Average earning assets | $224,762,400 | 2,578 |
| Average equity | $33,696,800 | 2,068 |
| Average total loans | $123,764,600 | 2,977 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8721% | 4,270 |
| Cost of funding earning assets | 0.4274% | 3,487 |
| Net interest margin | 3.4447% | 4,042 |
| Noninterest income to average assets | 0.9401% | 1,395 |
| Noninterest expense to average assets | 3.0547% | 2,617 |
| Loan and lease loss provision to assets | 0.0048% | 4,318 |
| Net operating income to assets | 0.9141% | 2,842 |
| Return on assets (ROA) | 0.9136% | 2,949 |
| Pretax return on assets | 0.9624% | 3,748 |
| Return on Equity (ROE) | 6.8610% | 3,783 |
| Retained earnings to average equity (ytd only) | 3.1313% | 4,395 |
| Net charge-offs to loans | 0.0700% | 3,195 |
| Credit loss provision to net charge-offs | 14.0625% | 3,650 |
| Earnings coverage of net charge-offs (x) | 28.4691% | 1,421 |
| Efficiency ratio | 75.9408% | 2,497 |
| Assets per employee ($millions) | 3.8694% | 4,147 |
| Cash dividends to net income (ytd only)* | 54.3606% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2597% | 869 |
| Loan loss allowance to noncurrent loans | 944.8052% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.1225% | 5,680 |
| Noncurrent loans to loans | 0.2392% | 5,183 |
| Net loans and leases to total assets | 50.0441% | 5,004 |
| Net loans and leases to deposits | 63.6686% | 4,578 |
| Net loans and leases to core deposits | 67.9984% | 4,510 |
| Total domestic deposits to total assets | 78.6010% | 5,417 |
| Equity capital to assets | 13.5477% | 1,159 |
| Core capital (leverage) ratio | 9.6717% | 4,126 |
| Tier 1 risk-based capital ratio | 15.9558% | 3,079 |
| Total risk-based capital ratio | 17.3015% | 2,988 |
| Memoranda: | ||
| Average total assets | $251,020,000 | 2,534 |
| Average earning assets | $224,609,250 | 2,591 |
| Average equity | $33,425,000 | 2,089 |
| Average total loans | $121,826,750 | 3,023 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8286% | 4,416 |
| Cost of funding earning assets | 0.4359% | 3,485 |
| Net interest margin | 3.3927% | 4,209 |
| Noninterest income to average assets | 0.8961% | 1,504 |
| Noninterest expense to average assets | 2.9164% | 3,112 |
| Loan and lease loss provision to assets | 0.0040% | 4,142 |
| Net operating income to assets | 0.9655% | 2,474 |
| Return on assets (ROA) | 0.9647% | 2,567 |
| Pretax return on assets | 1.0093% | 3,443 |
| Return on Equity (ROE) | 7.2873% | 3,475 |
| Retained earnings to average equity (ytd only) | 3.6135% | 3,892 |
| Net charge-offs to loans | 0.1088% | 2,584 |
| Credit loss provision to net charge-offs | 7.6923% | 3,326 |
| Earnings coverage of net charge-offs (x) | 19.5692% | 1,613 |
| Efficiency ratio | 74.1988% | 2,944 |
| Assets per employee ($millions) | 3.8915% | 4,080 |
| Cash dividends to net income (ytd only)* | 50.4132% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3694% | 840 |
| Loan loss allowance to noncurrent loans | 1,064.1026% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.1079% | 5,837 |
| Noncurrent loans to loans | 0.2227% | 5,335 |
| Net loans and leases to total assets | 47.3229% | 5,233 |
| Net loans and leases to deposits | 60.0993% | 4,857 |
| Net loans and leases to core deposits | 64.1491% | 4,810 |
| Total domestic deposits to total assets | 78.7412% | 5,509 |
| Equity capital to assets | 13.4215% | 1,189 |
| Core capital (leverage) ratio | 9.7588% | 3,948 |
| Tier 1 risk-based capital ratio | 16.6595% | 2,760 |
| Total risk-based capital ratio | 18.0109% | 2,693 |
| Memoranda: | ||
| Average total assets | $250,856,000 | 2,536 |
| Average earning assets | $224,364,670 | 2,599 |
| Average equity | $33,208,670 | 2,085 |
| Average total loans | $119,510,000 | 3,070 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7585% | 4,642 |
| Cost of funding earning assets | 0.4535% | 3,392 |
| Net interest margin | 3.3050% | 4,512 |
| Noninterest income to average assets | 0.8310% | 1,638 |
| Noninterest expense to average assets | 2.9158% | 3,161 |
| Loan and lease loss provision to assets | 0.0016% | 3,805 |
| Net operating income to assets | 0.8277% | 3,016 |
| Return on assets (ROA) | 0.8246% | 3,104 |
| Pretax return on assets | 0.8631% | 3,848 |
| Return on Equity (ROE) | 6.2731% | 3,869 |
| Retained earnings to average equity (ytd only) | 2.4971% | 4,574 |
| Net charge-offs to loans | 0.1492% | 1,821 |
| Credit loss provision to net charge-offs | 2.2727% | 2,671 |
| Earnings coverage of net charge-offs (x) | 12.3182% | 1,724 |
| Efficiency ratio | 77.0631% | 2,635 |
| Assets per employee ($millions) | 4.2185% | 3,491 |
| Cash dividends to net income (ytd only)* | 60.1942% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4689% | 844 |
| Loan loss allowance to noncurrent loans | 1,935.0993% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.0597% | 6,095 |
| Noncurrent loans to loans | 0.1276% | 5,725 |
| Net loans and leases to total assets | 45.6050% | 5,371 |
| Net loans and leases to deposits | 57.6660% | 4,976 |
| Net loans and leases to core deposits | 61.3634% | 4,936 |
| Total domestic deposits to total assets | 79.0848% | 5,670 |
| Equity capital to assets | 13.0762% | 1,276 |
| Core capital (leverage) ratio | 9.5183% | 4,250 |
| Tier 1 risk-based capital ratio | 16.7257% | 2,801 |
| Total risk-based capital ratio | 18.0717% | 2,728 |
| Memoranda: | ||
| Average total assets | $249,811,500 | 2,556 |
| Average earning assets | $223,175,000 | 2,626 |
| Average equity | $32,838,500 | 2,098 |
| Average total loans | $117,962,000 | 3,117 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7842% | 4,869 |
| Cost of funding earning assets | 0.5483% | 3,129 |
| Net interest margin | 3.2359% | 4,871 |
| Noninterest income to average assets | 0.9668% | 1,471 |
| Noninterest expense to average assets | 2.9370% | 3,242 |
| Loan and lease loss provision to assets | 0.0012% | 5,080 |
| Net operating income to assets | 0.8857% | 2,850 |
| Return on assets (ROA) | 0.8849% | 2,943 |
| Pretax return on assets | 0.9174% | 3,688 |
| Return on Equity (ROE) | 6.6462% | 3,749 |
| Retained earnings to average equity (ytd only) | 4.0969% | 3,266 |
| Net charge-offs to loans | 0.1007% | 3,829 |
| Credit loss provision to net charge-offs | 2.6786% | 4,674 |
| Earnings coverage of net charge-offs (x) | 20.4375% | 1,549 |
| Efficiency ratio | 75.8567% | 2,795 |
| Assets per employee ($millions) | 3.9760% | 3,910 |
| Cash dividends to net income (ytd only)* | 38.3568% | 2,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5219% | 810 |
| Loan loss allowance to noncurrent loans | 2,229.3233% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.0540% | 6,205 |
| Noncurrent loans to loans | 0.1131% | 5,864 |
| Net loans and leases to total assets | 46.4909% | 5,450 |
| Net loans and leases to deposits | 59.9186% | 4,943 |
| Net loans and leases to core deposits | 64.0005% | 4,869 |
| Total domestic deposits to total assets | 77.5900% | 5,887 |
| Equity capital to assets | 13.2162% | 1,178 |
| Core capital (leverage) ratio | 9.5278% | 4,222 |
| Tier 1 risk-based capital ratio | 13.8090% | 4,428 |
| Total risk-based capital ratio | 15.1228% | 4,325 |
| Memoranda: | ||
| Average total assets | $248,959,800 | 2,537 |
| Average earning assets | $222,317,600 | 2,593 |
| Average equity | $33,147,000 | 2,078 |
| Average total loans | $111,214,400 | 3,226 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7468% | 5,043 |
| Cost of funding earning assets | 0.5690% | 3,088 |
| Net interest margin | 3.1778% | 5,063 |
| Noninterest income to average assets | 0.9680% | 1,550 |
| Noninterest expense to average assets | 2.8405% | 3,522 |
| Loan and lease loss provision to assets | 0.0016% | 4,925 |
| Net operating income to assets | 0.9322% | 2,677 |
| Return on assets (ROA) | 0.9312% | 2,789 |
| Pretax return on assets | 0.9622% | 3,641 |
| Return on Equity (ROE) | 6.9812% | 3,657 |
| Retained earnings to average equity (ytd only) | 3.5967% | 4,130 |
| Net charge-offs to loans | 0.0997% | 3,552 |
| Credit loss provision to net charge-offs | 3.6585% | 4,294 |
| Earnings coverage of net charge-offs (x) | 22.0245% | 1,515 |
| Efficiency ratio | 74.2384% | 3,025 |
| Assets per employee ($millions) | 4.0355% | 3,764 |
| Cash dividends to net income (ytd only)* | 48.4797% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5435% | 894 |
| Loan loss allowance to noncurrent loans | 1,782.7381% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.0671% | 6,242 |
| Noncurrent loans to loans | 0.1427% | 5,896 |
| Net loans and leases to total assets | 45.8642% | 5,561 |
| Net loans and leases to deposits | 58.6105% | 5,123 |
| Net loans and leases to core deposits | 61.9599% | 5,119 |
| Total domestic deposits to total assets | 78.2525% | 5,868 |
| Equity capital to assets | 12.9890% | 1,336 |
| Core capital (leverage) ratio | 9.2980% | 4,696 |
| Tier 1 risk-based capital ratio | 13.7207% | 4,619 |
| Total risk-based capital ratio | 15.0332% | 4,533 |
| Memoranda: | ||
| Average total assets | $249,571,000 | 2,548 |
| Average earning assets | $222,832,500 | 2,602 |
| Average equity | $33,288,750 | 2,093 |
| Average total loans | $109,625,000 | 3,280 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6982% | 5,147 |
| Cost of funding earning assets | 0.5926% | 3,007 |
| Net interest margin | 3.1056% | 5,258 |
| Noninterest income to average assets | 0.9272% | 1,723 |
| Noninterest expense to average assets | 2.8441% | 3,537 |
| Loan and lease loss provision to assets | 0.0008% | 4,779 |
| Net operating income to assets | 0.8274% | 3,159 |
| Return on assets (ROA) | 0.8173% | 3,365 |
| Pretax return on assets | 0.8462% | 4,130 |
| Return on Equity (ROE) | 6.0742% | 4,127 |
| Retained earnings to average equity (ytd only) | 3.1235% | 4,332 |
| Net charge-offs to loans | 0.1422% | 2,959 |
| Credit loss provision to net charge-offs | 1.3158% | 3,990 |
| Earnings coverage of net charge-offs (x) | 14.0658% | 1,852 |
| Efficiency ratio | 76.2297% | 2,748 |
| Assets per employee ($millions) | 3.9700% | 3,873 |
| Cash dividends to net income (ytd only)* | 48.5770% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7264% | 771 |
| Loan loss allowance to noncurrent loans | 3,259.7826% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0368% | 6,406 |
| Noncurrent loans to loans | 0.0836% | 6,142 |
| Net loans and leases to total assets | 42.7808% | 5,843 |
| Net loans and leases to deposits | 54.3785% | 5,493 |
| Net loans and leases to core deposits | 57.2539% | 5,499 |
| Total domestic deposits to total assets | 78.6722% | 5,858 |
| Equity capital to assets | 12.9695% | 1,354 |
| Core capital (leverage) ratio | 9.1811% | 4,723 |
| Tier 1 risk-based capital ratio | 14.2346% | 4,269 |
| Total risk-based capital ratio | 15.5501% | 4,177 |
| Memoranda: | ||
| Average total assets | $249,360,000 | 2,558 |
| Average earning assets | $222,758,670 | 2,611 |
| Average equity | $33,552,000 | 2,079 |
| Average total loans | $106,917,000 | 3,340 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6710% | 5,250 |
| Cost of funding earning assets | 0.6058% | 3,059 |
| Net interest margin | 3.0651% | 5,386 |
| Noninterest income to average assets | 0.9157% | 1,710 |
| Noninterest expense to average assets | 2.7921% | 3,727 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8370% | 2,963 |
| Return on assets (ROA) | 0.8370% | 3,110 |
| Pretax return on assets | 0.8627% | 3,902 |
| Return on Equity (ROE) | 6.1098% | 3,983 |
| Retained earnings to average equity (ytd only) | 3.4126% | 4,207 |
| Net charge-offs to loans | 0.3037% | 1,749 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 6.7125% | 2,178 |
| Efficiency ratio | 75.7802% | 2,960 |
| Assets per employee ($millions) | 4.0855% | 3,770 |
| Cash dividends to net income (ytd only)* | 44.1459% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8323% | 791 |
| Loan loss allowance to noncurrent loans | 3,185.1064% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.0365% | 6,498 |
| Noncurrent loans to loans | 0.0889% | 6,211 |
| Net loans and leases to total assets | 39.9071% | 6,005 |
| Net loans and leases to deposits | 51.0492% | 5,706 |
| Net loans and leases to core deposits | 54.0216% | 5,664 |
| Total domestic deposits to total assets | 78.1739% | 6,091 |
| Equity capital to assets | 13.2731% | 1,307 |
| Core capital (leverage) ratio | 9.0717% | 4,765 |
| Tier 1 risk-based capital ratio | 14.6731% | 4,054 |
| Total risk-based capital ratio | 15.9977% | 3,968 |
| Memoranda: | ||
| Average total assets | $248,985,000 | 2,592 |
| Average earning assets | $222,503,500 | 2,645 |
| Average equity | $34,109,000 | 2,071 |
| Average total loans | $105,376,500 | 3,393 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0240% | 5,229 |
| Cost of funding earning assets | 0.7216% | 3,312 |
| Net interest margin | 3.3025% | 5,239 |
| Noninterest income to average assets | 1.0599% | 1,381 |
| Noninterest expense to average assets | 2.9044% | 3,616 |
| Loan and lease loss provision to assets | 0.0162% | 5,699 |
| Net operating income to assets | 1.0490% | 2,127 |
| Return on assets (ROA) | 1.0490% | 2,321 |
| Pretax return on assets | 1.0923% | 3,186 |
| Return on Equity (ROE) | 7.4990% | 3,339 |
| Retained earnings to average equity (ytd only) | 3.8536% | 3,483 |
| Net charge-offs to loans | 0.0883% | 4,796 |
| Credit loss provision to net charge-offs | 43.8202% | 4,847 |
| Earnings coverage of net charge-offs (x) | 29.9213% | 1,016 |
| Efficiency ratio | 71.7842% | 3,461 |
| Assets per employee ($millions) | 3.7591% | 4,448 |
| Cash dividends to net income (ytd only)* | 48.6111% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9264% | 716 |
| Loan loss allowance to noncurrent loans | 1,291.5966% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.1176% | 6,280 |
| Noncurrent loans to loans | 0.2266% | 5,914 |
| Net loans and leases to total assets | 42.3842% | 5,961 |
| Net loans and leases to deposits | 52.9709% | 5,740 |
| Net loans and leases to core deposits | 56.1212% | 5,707 |
| Total domestic deposits to total assets | 80.0141% | 5,659 |
| Equity capital to assets | 14.1551% | 986 |
| Core capital (leverage) ratio | 9.3801% | 4,284 |
| Tier 1 risk-based capital ratio | 14.6309% | 3,945 |
| Total risk-based capital ratio | 15.9487% | 3,853 |
| Memoranda: | ||
| Average total assets | $240,221,000 | 2,631 |
| Average earning assets | $214,809,200 | 2,681 |
| Average equity | $33,604,600 | 2,055 |
| Average total loans | $100,841,600 | 3,497 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0514% | 5,356 |
| Cost of funding earning assets | 0.7402% | 3,430 |
| Net interest margin | 3.3112% | 5,350 |
| Noninterest income to average assets | 1.0561% | 1,354 |
| Noninterest expense to average assets | 2.8784% | 3,676 |
| Loan and lease loss provision to assets | 0.0200% | 5,549 |
| Net operating income to assets | 1.0761% | 2,187 |
| Return on assets (ROA) | 1.0761% | 2,386 |
| Pretax return on assets | 1.1260% | 3,249 |
| Return on Equity (ROE) | 7.7151% | 3,416 |
| Retained earnings to average equity (ytd only) | 2.8384% | 4,846 |
| Net charge-offs to loans | 0.0414% | 5,070 |
| Credit loss provision to net charge-offs | 116.1290% | 2,504 |
| Earnings coverage of net charge-offs (x) | 66.5843% | 606 |
| Efficiency ratio | 70.9437% | 3,512 |
| Assets per employee ($millions) | 3.8345% | 4,227 |
| Cash dividends to net income (ytd only)* | 63.2093% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0326% | 694 |
| Loan loss allowance to noncurrent loans | 554.7872% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.2521% | 6,066 |
| Noncurrent loans to loans | 0.5466% | 5,350 |
| Net loans and leases to total assets | 41.4164% | 6,170 |
| Net loans and leases to deposits | 51.4055% | 6,014 |
| Net loans and leases to core deposits | 54.6662% | 5,995 |
| Total domestic deposits to total assets | 80.5680% | 5,490 |
| Equity capital to assets | 14.0928% | 1,123 |
| Core capital (leverage) ratio | 9.0785% | 4,950 |
| Tier 1 risk-based capital ratio | 14.6897% | 4,058 |
| Total risk-based capital ratio | 16.0056% | 3,969 |
| Memoranda: | ||
| Average total assets | $240,130,000 | 2,652 |
| Average earning assets | $215,261,250 | 2,694 |
| Average equity | $33,492,000 | 2,074 |
| Average total loans | $99,791,000 | 3,562 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0712% | 5,415 |
| Cost of funding earning assets | 0.7599% | 3,518 |
| Net interest margin | 3.3113% | 5,411 |
| Noninterest income to average assets | 1.0549% | 1,301 |
| Noninterest expense to average assets | 2.8400% | 3,866 |
| Loan and lease loss provision to assets | 0.0217% | 5,396 |
| Net operating income to assets | 1.1141% | 2,000 |
| Return on assets (ROA) | 1.1141% | 2,212 |
| Pretax return on assets | 1.1609% | 3,081 |
| Return on Equity (ROE) | 8.0161% | 3,249 |
| Retained earnings to average equity (ytd only) | 3.2124% | 4,478 |
| Net charge-offs to loans | 0.0426% | 4,778 |
| Credit loss provision to net charge-offs | 123.8095% | 2,216 |
| Earnings coverage of net charge-offs (x) | 67.4762% | 580 |
| Efficiency ratio | 70.0207% | 3,759 |
| Assets per employee ($millions) | 3.8941% | 4,090 |
| Cash dividends to net income (ytd only)* | 59.9251% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1390% | 685 |
| Loan loss allowance to noncurrent loans | 1,227.0588% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.1366% | 6,445 |
| Noncurrent loans to loans | 0.2558% | 6,062 |
| Net loans and leases to total assets | 39.3560% | 6,381 |
| Net loans and leases to deposits | 48.9250% | 6,248 |
| Net loans and leases to core deposits | 51.8119% | 6,249 |
| Total domestic deposits to total assets | 80.4416% | 5,631 |
| Equity capital to assets | 13.7376% | 1,201 |
| Core capital (leverage) ratio | 9.1651% | 4,664 |
| Tier 1 risk-based capital ratio | 14.8951% | 3,833 |
| Total risk-based capital ratio | 16.2109% | 3,741 |
| Memoranda: | ||
| Average total assets | $239,649,670 | 2,660 |
| Average earning assets | $214,777,670 | 2,704 |
| Average equity | $33,308,000 | 2,073 |
| Average total loans | $98,661,670 | 3,606 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0912% | 5,487 |
| Cost of funding earning assets | 0.7835% | 3,599 |
| Net interest margin | 3.3077% | 5,446 |
| Noninterest income to average assets | 1.0000% | 1,426 |
| Noninterest expense to average assets | 2.9255% | 3,520 |
| Loan and lease loss provision to assets | 0.0169% | 5,114 |
| Net operating income to assets | 0.9780% | 2,568 |
| Return on assets (ROA) | 0.9780% | 2,772 |
| Pretax return on assets | 1.0168% | 3,621 |
| Return on Equity (ROE) | 6.9947% | 3,788 |
| Retained earnings to average equity (ytd only) | 2.1624% | 5,182 |
| Net charge-offs to loans | 0.0856% | 3,651 |
| Credit loss provision to net charge-offs | 47.6190% | 3,320 |
| Earnings coverage of net charge-offs (x) | 29.1429% | 941 |
| Efficiency ratio | 73.2935% | 3,201 |
| Assets per employee ($millions) | 3.7343% | 4,573 |
| Cash dividends to net income (ytd only)* | 69.0846% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1334% | 733 |
| Loan loss allowance to noncurrent loans | 1,197.3077% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.2254% | 6,320 |
| Noncurrent loans to loans | 0.2617% | 6,163 |
| Net loans and leases to total assets | 39.6472% | 6,373 |
| Net loans and leases to deposits | 49.5357% | 6,174 |
| Net loans and leases to core deposits | 52.2114% | 6,187 |
| Total domestic deposits to total assets | 80.0376% | 5,843 |
| Equity capital to assets | 13.7230% | 1,131 |
| Core capital (leverage) ratio | 8.9412% | 4,929 |
| Tier 1 risk-based capital ratio | 14.7926% | 3,898 |
| Total risk-based capital ratio | 16.1036% | 3,823 |
| Memoranda: | ||
| Average total assets | $236,811,000 | 2,705 |
| Average earning assets | $211,870,500 | 2,748 |
| Average equity | $33,111,000 | 2,088 |
| Average total loans | $98,152,500 | 3,640 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4903% | 5,114 |
| Cost of funding earning assets | 0.9155% | 4,001 |
| Net interest margin | 3.5748% | 4,827 |
| Noninterest income to average assets | 1.2372% | 853 |
| Noninterest expense to average assets | 3.0685% | 3,317 |
| Loan and lease loss provision to assets | 0.0026% | 6,479 |
| Net operating income to assets | 1.3051% | 1,235 |
| Return on assets (ROA) | 1.3690% | 1,174 |
| Pretax return on assets | 1.4224% | 1,709 |
| Return on Equity (ROE) | 9.9230% | 2,087 |
| Retained earnings to average equity (ytd only) | 7.0035% | 1,502 |
| Net charge-offs to loans | -0.1290% | 7,167 |
| Credit loss provision to net charge-offs | -4.8000% | 6,602 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7500% | 4,200 |
| Assets per employee ($millions) | 3.4461% | 5,143 |
| Cash dividends to net income (ytd only)* | 29.4212% | 3,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2221% | 668 |
| Loan loss allowance to noncurrent loans | 3,395.6522% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.2140% | 6,429 |
| Noncurrent loans to loans | 0.0949% | 6,574 |
| Net loans and leases to total assets | 40.6391% | 6,500 |
| Net loans and leases to deposits | 51.1257% | 6,279 |
| Net loans and leases to core deposits | 53.4695% | 6,340 |
| Total domestic deposits to total assets | 79.4886% | 5,871 |
| Equity capital to assets | 14.2543% | 987 |
| Core capital (leverage) ratio | 9.1429% | 4,560 |
| Tier 1 risk-based capital ratio | 15.1872% | 3,522 |
| Total risk-based capital ratio | 16.4981% | 3,438 |
| Memoranda: | ||
| Average total assets | $228,414,600 | 2,743 |
| Average earning assets | $203,815,000 | 2,804 |
| Average equity | $31,512,600 | 2,103 |
| Average total loans | $96,875,800 | 3,704 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5762% | 4,971 |
| Cost of funding earning assets | 0.9369% | 4,140 |
| Net interest margin | 3.6393% | 4,620 |
| Noninterest income to average assets | 1.2514% | 828 |
| Noninterest expense to average assets | 3.0892% | 3,202 |
| Loan and lease loss provision to assets | 0.0035% | 6,371 |
| Net operating income to assets | 1.3664% | 1,226 |
| Return on assets (ROA) | 1.4527% | 1,118 |
| Pretax return on assets | 1.4943% | 1,669 |
| Return on Equity (ROE) | 10.6192% | 1,987 |
| Retained earnings to average equity (ytd only) | 6.6830% | 2,143 |
| Net charge-offs to loans | -0.1748% | 7,248 |
| Credit loss provision to net charge-offs | -4.7244% | 6,400 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1327% | 4,291 |
| Assets per employee ($millions) | 3.5905% | 4,783 |
| Cash dividends to net income (ytd only)* | 37.0670% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2458% | 691 |
| Loan loss allowance to noncurrent loans | 3,157.5758% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.2202% | 6,509 |
| Noncurrent loans to loans | 0.1028% | 6,673 |
| Net loans and leases to total assets | 39.9273% | 6,637 |
| Net loans and leases to deposits | 50.1982% | 6,490 |
| Net loans and leases to core deposits | 51.8697% | 6,577 |
| Total domestic deposits to total assets | 79.5393% | 5,858 |
| Equity capital to assets | 14.0914% | 1,127 |
| Core capital (leverage) ratio | 8.9115% | 5,078 |
| Tier 1 risk-based capital ratio | 14.9325% | 3,701 |
| Total risk-based capital ratio | 16.2373% | 3,639 |
| Memoranda: | ||
| Average total assets | $227,795,500 | 2,754 |
| Average earning assets | $203,220,000 | 2,816 |
| Average equity | $31,162,750 | 2,126 |
| Average total loans | $96,855,750 | 3,729 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5924% | 4,995 |
| Cost of funding earning assets | 0.9640% | 4,222 |
| Net interest margin | 3.6284% | 4,614 |
| Noninterest income to average assets | 1.3216% | 721 |
| Noninterest expense to average assets | 3.0611% | 3,388 |
| Loan and lease loss provision to assets | -0.0018% | 7,355 |
| Net operating income to assets | 1.4547% | 968 |
| Return on assets (ROA) | 1.4650% | 1,011 |
| Pretax return on assets | 1.5049% | 1,517 |
| Return on Equity (ROE) | 10.8212% | 1,857 |
| Retained earnings to average equity (ytd only) | 7.5520% | 1,635 |
| Net charge-offs to loans | -0.2762% | 7,338 |
| Credit loss provision to net charge-offs | 1.4925% | 5,323 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6796% | 4,749 |
| Assets per employee ($millions) | 3.5981% | 4,688 |
| Cash dividends to net income (ytd only)* | 30.2115% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2992% | 705 |
| Loan loss allowance to noncurrent loans | 3,434.0659% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.2128% | 6,583 |
| Noncurrent loans to loans | 0.0961% | 6,732 |
| Net loans and leases to total assets | 39.7752% | 6,763 |
| Net loans and leases to deposits | 49.8786% | 6,606 |
| Net loans and leases to core deposits | 51.6343% | 6,686 |
| Total domestic deposits to total assets | 79.7441% | 5,894 |
| Equity capital to assets | 13.8684% | 1,144 |
| Core capital (leverage) ratio | 8.8431% | 4,976 |
| Tier 1 risk-based capital ratio | 15.1438% | 3,429 |
| Total risk-based capital ratio | 16.4520% | 3,361 |
| Memoranda: | ||
| Average total assets | $225,932,670 | 2,795 |
| Average earning assets | $201,244,330 | 2,858 |
| Average equity | $30,588,000 | 2,150 |
| Average total loans | $97,037,670 | 3,765 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4646% | 5,470 |
| Cost of funding earning assets | 1.0176% | 4,071 |
| Net interest margin | 3.4470% | 5,239 |
| Noninterest income to average assets | 0.9457% | 1,487 |
| Noninterest expense to average assets | 3.0551% | 3,440 |
| Loan and lease loss provision to assets | -0.0089% | 7,445 |
| Net operating income to assets | 0.9314% | 2,441 |
| Return on assets (ROA) | 0.9314% | 2,504 |
| Pretax return on assets | 0.9635% | 3,271 |
| Return on Equity (ROE) | 6.9666% | 3,398 |
| Retained earnings to average equity (ytd only) | 3.6237% | 4,008 |
| Net charge-offs to loans | -0.3870% | 7,382 |
| Credit loss provision to net charge-offs | 5.2632% | 4,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5684% | 3,231 |
| Assets per employee ($millions) | 3.4327% | 5,157 |
| Cash dividends to net income (ytd only)* | 47.9846% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2660% | 733 |
| Loan loss allowance to noncurrent loans | 2,001.9481% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.1844% | 6,696 |
| Noncurrent loans to loans | 0.1631% | 6,648 |
| Net loans and leases to total assets | 39.7037% | 6,799 |
| Net loans and leases to deposits | 49.0335% | 6,687 |
| Net loans and leases to core deposits | 50.7731% | 6,740 |
| Total domestic deposits to total assets | 80.9727% | 5,665 |
| Equity capital to assets | 13.1453% | 1,316 |
| Core capital (leverage) ratio | 8.3939% | 5,637 |
| Tier 1 risk-based capital ratio | 14.5782% | 3,689 |
| Total risk-based capital ratio | 15.8817% | 3,614 |
| Memoranda: | ||
| Average total assets | $223,759,500 | 2,840 |
| Average earning assets | $198,899,500 | 2,902 |
| Average equity | $29,914,000 | 2,183 |
| Average total loans | $98,197,000 | 3,766 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0944% | 4,120 |
| Cost of funding earning assets | 1.2493% | 4,220 |
| Net interest margin | 3.8451% | 3,755 |
| Noninterest income to average assets | 1.1041% | 1,218 |
| Noninterest expense to average assets | 3.3108% | 2,708 |
| Loan and lease loss provision to assets | 0.5258% | 3,049 |
| Net operating income to assets | 0.6668% | 3,359 |
| Return on assets (ROA) | 0.6821% | 3,427 |
| Pretax return on assets | 0.6751% | 4,066 |
| Return on Equity (ROE) | 4.9726% | 4,079 |
| Retained earnings to average equity (ytd only) | 3.4176% | 3,476 |
| Net charge-offs to loans | 0.3839% | 4,117 |
| Credit loss provision to net charge-offs | 271.2919% | 1,014 |
| Earnings coverage of net charge-offs (x) | 6.1172% | 2,435 |
| Efficiency ratio | 73.0432% | 3,592 |
| Assets per employee ($millions) | 3.2959% | 5,438 |
| Cash dividends to net income (ytd only)* | 31.2712% | 2,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9344% | 920 |
| Loan loss allowance to noncurrent loans | 1,644.5055% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.2961% | 6,502 |
| Noncurrent loans to loans | 0.1784% | 6,710 |
| Net loans and leases to total assets | 45.5128% | 6,599 |
| Net loans and leases to deposits | 56.3365% | 6,412 |
| Net loans and leases to core deposits | 58.6278% | 6,504 |
| Total domestic deposits to total assets | 80.7873% | 5,596 |
| Equity capital to assets | 13.6051% | 1,152 |
| Core capital (leverage) ratio | 8.5186% | 5,331 |
| Tier 1 risk-based capital ratio | 13.2578% | 4,405 |
| Total risk-based capital ratio | 14.5191% | 4,355 |
| Memoranda: | ||
| Average total assets | $215,658,200 | 2,917 |
| Average earning assets | $190,268,200 | 3,000 |
| Average equity | $29,582,000 | 2,204 |
| Average total loans | $108,883,600 | 3,573 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1899% | 3,880 |
| Cost of funding earning assets | 1.2750% | 4,404 |
| Net interest margin | 3.9149% | 3,466 |
| Noninterest income to average assets | 1.0669% | 1,258 |
| Noninterest expense to average assets | 3.2330% | 2,804 |
| Loan and lease loss provision to assets | 0.6072% | 2,507 |
| Net operating income to assets | 0.6939% | 3,444 |
| Return on assets (ROA) | 0.7144% | 3,502 |
| Pretax return on assets | 0.6983% | 4,229 |
| Return on Equity (ROE) | 5.1973% | 4,200 |
| Retained earnings to average equity (ytd only) | 3.1238% | 4,250 |
| Net charge-offs to loans | 0.4520% | 3,493 |
| Credit loss provision to net charge-offs | 261.3333% | 1,263 |
| Earnings coverage of net charge-offs (x) | 5.5306% | 2,725 |
| Efficiency ratio | 70.9819% | 3,884 |
| Assets per employee ($millions) | 3.3402% | 5,354 |
| Cash dividends to net income (ytd only)* | 39.8962% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6983% | 1,086 |
| Loan loss allowance to noncurrent loans | 633.4066% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.5929% | 5,955 |
| Noncurrent loans to loans | 0.4260% | 6,352 |
| Net loans and leases to total assets | 47.1427% | 6,597 |
| Net loans and leases to deposits | 60.5904% | 6,265 |
| Net loans and leases to core deposits | 63.0243% | 6,373 |
| Total domestic deposits to total assets | 77.8056% | 6,292 |
| Equity capital to assets | 13.8529% | 1,217 |
| Core capital (leverage) ratio | 8.4582% | 5,585 |
| Tier 1 risk-based capital ratio | 13.2761% | 4,365 |
| Total risk-based capital ratio | 14.5374% | 4,329 |
| Memoranda: | ||
| Average total assets | $215,190,750 | 2,976 |
| Average earning assets | $189,696,500 | 3,050 |
| Average equity | $29,578,750 | 2,230 |
| Average total loans | $110,605,500 | 3,593 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2528% | 3,699 |
| Cost of funding earning assets | 1.2887% | 4,604 |
| Net interest margin | 3.9641% | 3,188 |
| Noninterest income to average assets | 1.0317% | 1,278 |
| Noninterest expense to average assets | 3.1822% | 2,969 |
| Loan and lease loss provision to assets | 0.6231% | 2,301 |
| Net operating income to assets | 0.6934% | 3,429 |
| Return on assets (ROA) | 0.7234% | 3,455 |
| Pretax return on assets | 0.7478% | 4,074 |
| Return on Equity (ROE) | 5.2771% | 4,140 |
| Retained earnings to average equity (ytd only) | 3.9100% | 3,601 |
| Net charge-offs to loans | 0.4595% | 3,163 |
| Credit loss provision to net charge-offs | 258.7549% | 1,471 |
| Earnings coverage of net charge-offs (x) | 5.5642% | 2,641 |
| Efficiency ratio | 69.7886% | 4,226 |
| Assets per employee ($millions) | 3.2139% | 5,652 |
| Cash dividends to net income (ytd only)* | 25.9067% | 2,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4540% | 1,360 |
| Loan loss allowance to noncurrent loans | 391.9708% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.6484% | 5,871 |
| Noncurrent loans to loans | 0.6261% | 5,996 |
| Net loans and leases to total assets | 48.8366% | 6,559 |
| Net loans and leases to deposits | 62.4367% | 6,191 |
| Net loans and leases to core deposits | 64.8476% | 6,327 |
| Total domestic deposits to total assets | 78.2178% | 6,218 |
| Equity capital to assets | 13.6658% | 1,281 |
| Core capital (leverage) ratio | 8.6368% | 5,179 |
| Tier 1 risk-based capital ratio | 13.3174% | 4,196 |
| Total risk-based capital ratio | 14.5766% | 4,144 |
| Memoranda: | ||
| Average total assets | $213,437,000 | 3,015 |
| Average earning assets | $187,937,670 | 3,095 |
| Average equity | $29,258,670 | 2,241 |
| Average total loans | $111,871,000 | 3,583 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2730% | 3,676 |
| Cost of funding earning assets | 1.3258% | 4,651 |
| Net interest margin | 3.9472% | 3,118 |
| Noninterest income to average assets | 1.0110% | 1,263 |
| Noninterest expense to average assets | 3.2511% | 2,697 |
| Loan and lease loss provision to assets | 0.6278% | 2,021 |
| Net operating income to assets | 0.5785% | 3,994 |
| Return on assets (ROA) | 0.5785% | 4,136 |
| Pretax return on assets | 0.5994% | 4,608 |
| Return on Equity (ROE) | 4.2134% | 4,795 |
| Retained earnings to average equity (ytd only) | 4.2134% | 3,621 |
| Net charge-offs to loans | -0.0318% | 7,214 |
| Credit loss provision to net charge-offs | -3,677.7778% | 6,605 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0034% | 3,932 |
| Assets per employee ($millions) | 3.2313% | 5,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3417% | 1,513 |
| Loan loss allowance to noncurrent loans | 312.2912% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.7631% | 5,623 |
| Noncurrent loans to loans | 0.7499% | 5,826 |
| Net loans and leases to total assets | 50.4106% | 6,429 |
| Net loans and leases to deposits | 64.4410% | 6,011 |
| Net loans and leases to core deposits | 66.6219% | 6,237 |
| Total domestic deposits to total assets | 78.2275% | 6,262 |
| Equity capital to assets | 13.5729% | 1,296 |
| Core capital (leverage) ratio | 8.6037% | 5,193 |
| Tier 1 risk-based capital ratio | 13.0866% | 4,269 |
| Total risk-based capital ratio | 14.3058% | 4,264 |
| Memoranda: | ||
| Average total assets | $210,883,000 | 3,092 |
| Average earning assets | $185,246,500 | 3,184 |
| Average equity | $28,955,000 | 2,295 |
| Average total loans | $113,099,000 | 3,620 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8855% | 2,297 |
| Cost of funding earning assets | 1.6379% | 4,858 |
| Net interest margin | 4.2476% | 1,905 |
| Noninterest income to average assets | 1.0475% | 1,415 |
| Noninterest expense to average assets | 3.3809% | 2,740 |
| Loan and lease loss provision to assets | 1.5134% | 1,519 |
| Net operating income to assets | -0.0732% | 5,633 |
| Return on assets (ROA) | 0.0005% | 5,540 |
| Pretax return on assets | 0.0043% | 5,438 |
| Return on Equity (ROE) | 0.0035% | 5,541 |
| Retained earnings to average equity (ytd only) | 0.0035% | 4,909 |
| Net charge-offs to loans | 2.2011% | 1,085 |
| Credit loss provision to net charge-offs | 115.5204% | 4,716 |
| Earnings coverage of net charge-offs (x) | 1.0706% | 5,041 |
| Efficiency ratio | 70.1048% | 4,600 |
| Assets per employee ($millions) | 2.8911% | 6,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9896% | 2,057 |
| Loan loss allowance to noncurrent loans | 183.0386% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 1.0109% | 5,095 |
| Noncurrent loans to loans | 1.0870% | 5,146 |
| Net loans and leases to total assets | 54.6437% | 6,127 |
| Net loans and leases to deposits | 69.9250% | 5,612 |
| Net loans and leases to core deposits | 83.9384% | 5,719 |
| Total domestic deposits to total assets | 78.1461% | 6,187 |
| Equity capital to assets | 13.8965% | 1,200 |
| Core capital (leverage) ratio | 8.7496% | 4,841 |
| Tier 1 risk-based capital ratio | 12.8634% | 4,235 |
| Total risk-based capital ratio | 14.1195% | 4,185 |
| Memoranda: | ||
| Average total assets | $207,546,400 | 3,086 |
| Average earning assets | $182,550,800 | 3,189 |
| Average equity | $28,269,400 | 2,351 |
| Average total loans | $123,526,600 | 3,411 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9416% | 2,270 |
| Cost of funding earning assets | 1.6867% | 4,965 |
| Net interest margin | 4.2549% | 1,856 |
| Noninterest income to average assets | 1.0257% | 1,508 |
| Noninterest expense to average assets | 3.2891% | 2,956 |
| Loan and lease loss provision to assets | 1.6907% | 1,098 |
| Net operating income to assets | -0.2114% | 6,083 |
| Return on assets (ROA) | -0.1743% | 6,028 |
| Pretax return on assets | -0.1691% | 5,932 |
| Return on Equity (ROE) | -1.2858% | 5,986 |
| Retained earnings to average equity (ytd only) | -1.2858% | 5,554 |
| Net charge-offs to loans | 2.6274% | 692 |
| Credit loss provision to net charge-offs | 106.4542% | 4,779 |
| Earnings coverage of net charge-offs (x) | 0.9347% | 5,124 |
| Efficiency ratio | 68.3398% | 4,901 |
| Assets per employee ($millions) | 2.8637% | 6,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6489% | 2,813 |
| Loan loss allowance to noncurrent loans | 333.6093% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.7520% | 5,623 |
| Noncurrent loans to loans | 0.4943% | 6,327 |
| Net loans and leases to total assets | 59.1123% | 5,726 |
| Net loans and leases to deposits | 75.9389% | 5,058 |
| Net loans and leases to core deposits | 90.7183% | 5,372 |
| Total domestic deposits to total assets | 77.8419% | 6,131 |
| Equity capital to assets | 14.2801% | 1,212 |
| Core capital (leverage) ratio | 8.4462% | 5,584 |
| Tier 1 risk-based capital ratio | 12.0970% | 4,877 |
| Total risk-based capital ratio | 13.3481% | 4,828 |
| Memoranda: | ||
| Average total assets | $208,116,000 | 3,105 |
| Average earning assets | $183,313,000 | 3,201 |
| Average equity | $28,205,500 | 2,376 |
| Average total loans | $125,797,500 | 3,386 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9530% | 2,373 |
| Cost of funding earning assets | 1.7352% | 5,086 |
| Net interest margin | 4.2178% | 1,929 |
| Noninterest income to average assets | 0.9651% | 1,713 |
| Noninterest expense to average assets | 3.2454% | 3,167 |
| Loan and lease loss provision to assets | 2.0342% | 799 |
| Net operating income to assets | -0.6037% | 6,662 |
| Return on assets (ROA) | -0.6037% | 6,667 |
| Pretax return on assets | -0.5961% | 6,519 |
| Return on Equity (ROE) | -4.5329% | 6,556 |
| Retained earnings to average equity (ytd only) | -4.5329% | 6,228 |
| Net charge-offs to loans | 3.4127% | 458 |
| Credit loss provision to net charge-offs | 98.4310% | 4,663 |
| Earnings coverage of net charge-offs (x) | 0.6959% | 5,020 |
| Efficiency ratio | 68.7233% | 5,028 |
| Assets per employee ($millions) | 2.9146% | 6,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4621% | 3,404 |
| Loan loss allowance to noncurrent loans | 84.6190% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 1.3085% | 4,331 |
| Noncurrent loans to loans | 1.7279% | 3,918 |
| Net loans and leases to total assets | 58.4802% | 5,904 |
| Net loans and leases to deposits | 73.8379% | 5,475 |
| Net loans and leases to core deposits | 87.0957% | 5,799 |
| Total domestic deposits to total assets | 79.2008% | 5,749 |
| Equity capital to assets | 13.2864% | 1,566 |
| Core capital (leverage) ratio | 8.1482% | 6,081 |
| Tier 1 risk-based capital ratio | 11.6228% | 5,267 |
| Total risk-based capital ratio | 12.8347% | 5,231 |
| Memoranda: | ||
| Average total assets | $209,713,000 | 3,108 |
| Average earning assets | $184,882,000 | 3,201 |
| Average equity | $27,929,000 | 2,408 |
| Average total loans | $126,995,000 | 3,400 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9582% | 2,534 |
| Cost of funding earning assets | 1.7896% | 5,166 |
| Net interest margin | 4.1686% | 2,016 |
| Noninterest income to average assets | 0.9139% | 1,795 |
| Noninterest expense to average assets | 3.1787% | 3,077 |
| Loan and lease loss provision to assets | 0.6773% | 1,868 |
| Net operating income to assets | 0.6697% | 3,709 |
| Return on assets (ROA) | 0.6697% | 3,885 |
| Pretax return on assets | 0.7289% | 4,328 |
| Return on Equity (ROE) | 5.0228% | 4,466 |
| Retained earnings to average equity (ytd only) | 5.0228% | 3,117 |
| Net charge-offs to loans | 0.8797% | 1,488 |
| Credit loss provision to net charge-offs | 125.8865% | 3,157 |
| Earnings coverage of net charge-offs (x) | 2.6135% | 3,452 |
| Efficiency ratio | 68.7474% | 4,831 |
| Assets per employee ($millions) | 2.9888% | 6,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5175% | 2,880 |
| Loan loss allowance to noncurrent loans | 58.7089% | 4,674 |
| Noncurrent assets plus other real estate owned to assets | 1.7445% | 3,302 |
| Noncurrent loans to loans | 2.5848% | 2,551 |
| Net loans and leases to total assets | 58.9613% | 5,812 |
| Net loans and leases to deposits | 75.4904% | 5,294 |
| Net loans and leases to core deposits | 90.2885% | 5,525 |
| Total domestic deposits to total assets | 78.1044% | 5,979 |
| Equity capital to assets | 13.3294% | 1,599 |
| Core capital (leverage) ratio | 8.1914% | 6,124 |
| Tier 1 risk-based capital ratio | 11.8133% | 5,111 |
| Total risk-based capital ratio | 13.0648% | 5,023 |
| Memoranda: | ||
| Average total assets | $209,642,500 | 3,117 |
| Average earning assets | $184,618,500 | 3,230 |
| Average equity | $27,952,500 | 2,421 |
| Average total loans | $128,220,500 | 3,410 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6521% | 2,235 |
| Cost of funding earning assets | 2.3789% | 4,820 |
| Net interest margin | 4.2732% | 2,061 |
| Noninterest income to average assets | 1.0260% | 1,508 |
| Noninterest expense to average assets | 3.3272% | 2,871 |
| Loan and lease loss provision to assets | 1.1081% | 1,310 |
| Net operating income to assets | 0.3002% | 5,538 |
| Return on assets (ROA) | 0.3638% | 5,094 |
| Pretax return on assets | 0.4049% | 5,251 |
| Return on Equity (ROE) | 2.9206% | 5,263 |
| Retained earnings to average equity (ytd only) | 0.6631% | 4,840 |
| Net charge-offs to loans | 1.3942% | 843 |
| Credit loss provision to net charge-offs | 130.0280% | 4,087 |
| Earnings coverage of net charge-offs (x) | 1.6924% | 5,232 |
| Efficiency ratio | 69.1892% | 4,494 |
| Assets per employee ($millions) | 2.7610% | 6,654 |
| Cash dividends to net income (ytd only)* | 77.2966% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4336% | 3,013 |
| Loan loss allowance to noncurrent loans | 110.6802% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 0.9813% | 4,381 |
| Noncurrent loans to loans | 1.2953% | 3,924 |
| Net loans and leases to total assets | 61.5894% | 5,685 |
| Net loans and leases to deposits | 78.4275% | 5,280 |
| Net loans and leases to core deposits | 93.9333% | 5,449 |
| Total domestic deposits to total assets | 78.5303% | 5,532 |
| Equity capital to assets | 13.3375% | 1,656 |
| Core capital (leverage) ratio | 8.1394% | 6,267 |
| Tier 1 risk-based capital ratio | 11.3943% | 5,338 |
| Total risk-based capital ratio | 12.6448% | 5,241 |
| Memoranda: | ||
| Average total assets | $209,455,000 | 3,010 |
| Average earning assets | $183,491,000 | 3,143 |
| Average equity | $26,090,200 | 2,551 |
| Average total loans | $128,034,800 | 3,305 |