Home > United Southern Bank > Performance and Condition Ratios
United Southern Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3860% | 4,003 |
| Cost of funding earning assets | 0.9600% | 4,027 |
| Net interest margin | 3.4261% | 2,504 |
| Noninterest income to average assets | 0.6000% | 1,343 |
| Noninterest expense to average assets | 2.4034% | 2,574 |
| Loan and lease loss provision to assets | -0.0100% | 4,145 |
| Net operating income to assets | 1.0319% | 2,193 |
| Return on assets (ROA) | 1.0319% | 2,188 |
| Pretax return on assets | 1.4039% | 1,734 |
| Return on Equity (ROE) | 20.5700% | 403 |
| Retained earnings to average equity (ytd only) | 13.9813% | 536 |
| Net charge-offs to loans | -0.0286% | 4,180 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 63.2561% | 2,571 |
| Assets per employee ($millions) | 5.7497% | 3,128 |
| Cash dividends to net income (ytd only)* | 32.0162% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2524% | 280 |
| Loan loss allowance to noncurrent loans | 585.9226% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.1804% | 2,603 |
| Noncurrent loans to loans | 0.3844% | 2,159 |
| Net loans and leases to total assets | 45.8800% | 3,768 |
| Net loans and leases to deposits | 49.0011% | 3,892 |
| Net loans and leases to core deposits | 49.1530% | 4,005 |
| Total domestic deposits to total assets | 93.6400% | 96 |
| Equity capital to assets | 5.3889% | 4,331 |
| Core capital (leverage) ratio | 9.4700% | 3,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $863,291,500 | 1,163 |
| Average earning assets | $805,008,000 | 1,154 |
| Average equity | $43,315,000 | 1,917 |
| Average total loans | $405,934,500 | 1,542 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3716% | 4,012 |
| Cost of funding earning assets | 1.2298% | 3,781 |
| Net interest margin | 3.1418% | 2,841 |
| Noninterest income to average assets | 0.6200% | 1,441 |
| Noninterest expense to average assets | 2.3835% | 2,631 |
| Loan and lease loss provision to assets | -0.0100% | 4,079 |
| Net operating income to assets | 0.9007% | 2,379 |
| Return on assets (ROA) | 0.9007% | 2,380 |
| Pretax return on assets | 1.1711% | 2,058 |
| Return on Equity (ROE) | 20.1200% | 393 |
| Retained earnings to average equity (ytd only) | 13.7848% | 179 |
| Net charge-offs to loans | 0.0442% | 1,727 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 59.0585% | 1,110 |
| Efficiency ratio | 67.2960% | 2,335 |
| Assets per employee ($millions) | 5.6094% | 3,203 |
| Cash dividends to net income (ytd only)* | 31.4911% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2936% | 253 |
| Loan loss allowance to noncurrent loans | 579.3711% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.1865% | 2,505 |
| Noncurrent loans to loans | 0.3959% | 2,091 |
| Net loans and leases to total assets | 46.0300% | 3,813 |
| Net loans and leases to deposits | 50.3433% | 3,906 |
| Net loans and leases to core deposits | 50.5068% | 4,001 |
| Total domestic deposits to total assets | 91.4200% | 415 |
| Equity capital to assets | 4.6367% | 4,382 |
| Core capital (leverage) ratio | 9.1473% | 3,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $871,851,400 | 1,135 |
| Average earning assets | $811,989,600 | 1,125 |
| Average equity | $39,028,600 | 2,014 |
| Average total loans | $386,894,200 | 1,575 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3121% | 4,047 |
| Cost of funding earning assets | 1.2475% | 3,759 |
| Net interest margin | 3.0646% | 2,966 |
| Noninterest income to average assets | 0.6200% | 1,407 |
| Noninterest expense to average assets | 2.3922% | 2,548 |
| Loan and lease loss provision to assets | -0.0200% | 4,186 |
| Net operating income to assets | 0.8100% | 2,655 |
| Return on assets (ROA) | 0.8100% | 2,678 |
| Pretax return on assets | 1.1020% | 2,244 |
| Return on Equity (ROE) | 18.2500% | 556 |
| Retained earnings to average equity (ytd only) | 12.5919% | 431 |
| Net charge-offs to loans | 0.0042% | 2,553 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 592.2500% | 213 |
| Efficiency ratio | 68.8781% | 2,157 |
| Assets per employee ($millions) | 5.5379% | 3,241 |
| Cash dividends to net income (ytd only)* | 31.0176% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3852% | 246 |
| Loan loss allowance to noncurrent loans | 543.5615% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.2021% | 2,452 |
| Noncurrent loans to loans | 0.4388% | 1,984 |
| Net loans and leases to total assets | 44.9700% | 3,862 |
| Net loans and leases to deposits | 51.4056% | 3,907 |
| Net loans and leases to core deposits | 51.5797% | 4,008 |
| Total domestic deposits to total assets | 87.4800% | 1,434 |
| Equity capital to assets | 5.5955% | 4,396 |
| Core capital (leverage) ratio | 9.1883% | 3,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6841% | 973 |
| Memoranda: | ||
| Average total assets | $876,656,000 | 1,127 |
| Average earning assets | $817,062,000 | 1,119 |
| Average equity | $38,902,250 | 2,023 |
| Average total loans | $383,208,250 | 1,578 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2763% | 4,049 |
| Cost of funding earning assets | 1.2564% | 3,699 |
| Net interest margin | 3.0199% | 3,019 |
| Noninterest income to average assets | 0.6100% | 1,411 |
| Noninterest expense to average assets | 2.3778% | 2,585 |
| Loan and lease loss provision to assets | -0.0300% | 4,261 |
| Net operating income to assets | 0.7913% | 2,651 |
| Return on assets (ROA) | 0.7913% | 2,673 |
| Pretax return on assets | 1.0676% | 2,291 |
| Return on Equity (ROE) | 19.4600% | 483 |
| Retained earnings to average equity (ytd only) | 13.3359% | 413 |
| Net charge-offs to loans | 0.0132% | 1,947 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 184.4400% | 524 |
| Efficiency ratio | 69.5201% | 2,169 |
| Assets per employee ($millions) | 5.6231% | 3,121 |
| Cash dividends to net income (ytd only)* | 31.4857% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3940% | 252 |
| Loan loss allowance to noncurrent loans | 518.6807% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.2083% | 2,360 |
| Noncurrent loans to loans | 0.4615% | 1,847 |
| Net loans and leases to total assets | 44.0600% | 3,907 |
| Net loans and leases to deposits | 49.5993% | 3,964 |
| Net loans and leases to core deposits | 49.7813% | 4,054 |
| Total domestic deposits to total assets | 88.8200% | 1,063 |
| Equity capital to assets | 4.3465% | 4,439 |
| Core capital (leverage) ratio | 8.8454% | 3,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4068% | 1,016 |
| Memoranda: | ||
| Average total assets | $884,596,333 | 1,122 |
| Average earning assets | $824,259,333 | 1,113 |
| Average equity | $35,963,000 | 2,102 |
| Average total loans | $379,982,667 | 1,583 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2420% | 4,026 |
| Cost of funding earning assets | 1.2996% | 3,560 |
| Net interest margin | 2.9424% | 3,103 |
| Noninterest income to average assets | 0.5900% | 1,395 |
| Noninterest expense to average assets | 2.3673% | 2,601 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.7084% | 2,821 |
| Return on assets (ROA) | 0.7084% | 2,837 |
| Pretax return on assets | 0.9639% | 2,490 |
| Return on Equity (ROE) | 18.0600% | 605 |
| Retained earnings to average equity (ytd only) | 11.7879% | 781 |
| Net charge-offs to loans | 0.0299% | 1,272 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 76.9286% | 788 |
| Efficiency ratio | 71.0639% | 2,038 |
| Assets per employee ($millions) | 5.6438% | 3,121 |
| Cash dividends to net income (ytd only)* | 34.7442% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5191% | 190 |
| Loan loss allowance to noncurrent loans | 550.9281% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.1958% | 2,384 |
| Noncurrent loans to loans | 0.4572% | 1,787 |
| Net loans and leases to total assets | 41.7500% | 3,964 |
| Net loans and leases to deposits | 46.6828% | 4,023 |
| Net loans and leases to core deposits | 46.8642% | 4,144 |
| Total domestic deposits to total assets | 89.4200% | 984 |
| Equity capital to assets | 3.9220% | 4,476 |
| Core capital (leverage) ratio | 8.4373% | 4,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2247% | 1,050 |
| Memoranda: | ||
| Average total assets | $893,845,500 | 1,117 |
| Average earning assets | $833,183,500 | 1,107 |
| Average equity | $35,053,000 | 2,135 |
| Average total loans | $374,545,000 | 1,590 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0273% | 3,921 |
| Cost of funding earning assets | 0.9188% | 3,477 |
| Net interest margin | 3.1085% | 3,082 |
| Noninterest income to average assets | 0.6100% | 1,489 |
| Noninterest expense to average assets | 2.1908% | 3,152 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0092% | 2,190 |
| Return on assets (ROA) | 1.0092% | 2,172 |
| Pretax return on assets | 1.3170% | 1,824 |
| Return on Equity (ROE) | 34.5400% | 127 |
| Retained earnings to average equity (ytd only) | 27.5982% | 57 |
| Net charge-offs to loans | 0.0082% | 2,361 |
| Credit loss provision to net charge-offs | -941.3793% | 4,563 |
| Earnings coverage of net charge-offs (x) | 409.7241% | 345 |
| Efficiency ratio | 62.4558% | 2,786 |
| Assets per employee ($millions) | 5.8914% | 2,909 |
| Cash dividends to net income (ytd only)* | 20.0988% | 2,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5220% | 190 |
| Loan loss allowance to noncurrent loans | 641.7921% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.1611% | 2,458 |
| Noncurrent loans to loans | 0.3930% | 1,805 |
| Net loans and leases to total assets | 39.9700% | 4,040 |
| Net loans and leases to deposits | 46.0175% | 4,048 |
| Net loans and leases to core deposits | 46.2553% | 4,152 |
| Total domestic deposits to total assets | 86.8700% | 1,725 |
| Equity capital to assets | 3.9227% | 4,500 |
| Core capital (leverage) ratio | 8.3429% | 4,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5782% | 982 |
| Memoranda: | ||
| Average total assets | $902,225,800 | 1,079 |
| Average earning assets | $841,102,200 | 1,069 |
| Average equity | $26,360,400 | 2,443 |
| Average total loans | $354,976,800 | 1,597 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9381% | 3,939 |
| Cost of funding earning assets | 0.8258% | 3,462 |
| Net interest margin | 3.1123% | 3,118 |
| Noninterest income to average assets | 0.6200% | 1,445 |
| Noninterest expense to average assets | 2.1766% | 3,140 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9850% | 2,411 |
| Return on assets (ROA) | 0.9850% | 2,400 |
| Pretax return on assets | 1.3402% | 1,929 |
| Return on Equity (ROE) | 36.8900% | 145 |
| Retained earnings to average equity (ytd only) | 30.2599% | 87 |
| Net charge-offs to loans | -0.0015% | 3,533 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 61.8919% | 2,732 |
| Assets per employee ($millions) | 5.7522% | 2,966 |
| Cash dividends to net income (ytd only)* | 17.9838% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6555% | 165 |
| Loan loss allowance to noncurrent loans | 651.6961% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.1664% | 2,471 |
| Noncurrent loans to loans | 0.4075% | 1,813 |
| Net loans and leases to total assets | 39.7500% | 4,067 |
| Net loans and leases to deposits | 44.9321% | 4,080 |
| Net loans and leases to core deposits | 45.1655% | 4,148 |
| Total domestic deposits to total assets | 88.4700% | 1,420 |
| Equity capital to assets | 2.1129% | 4,540 |
| Core capital (leverage) ratio | 8.1419% | 4,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0934% | 1,081 |
| Memoranda: | ||
| Average total assets | $900,965,000 | 1,089 |
| Average earning assets | $839,580,750 | 1,074 |
| Average equity | $24,053,250 | 2,562 |
| Average total loans | $350,708,750 | 1,610 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8439% | 3,963 |
| Cost of funding earning assets | 0.7073% | 3,465 |
| Net interest margin | 3.1366% | 3,138 |
| Noninterest income to average assets | 0.6000% | 1,452 |
| Noninterest expense to average assets | 2.1419% | 3,240 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0194% | 2,359 |
| Return on assets (ROA) | 1.0194% | 2,348 |
| Pretax return on assets | 1.3870% | 1,849 |
| Return on Equity (ROE) | 35.7500% | 139 |
| Retained earnings to average equity (ytd only) | 29.5757% | 80 |
| Net charge-offs to loans | -0.0023% | 3,555 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.6969% | 2,870 |
| Assets per employee ($millions) | 5.8966% | 2,798 |
| Cash dividends to net income (ytd only)* | 17.2802% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6821% | 176 |
| Loan loss allowance to noncurrent loans | 703.0973% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 0.1513% | 2,488 |
| Noncurrent loans to loans | 0.3815% | 1,782 |
| Net loans and leases to total assets | 38.6000% | 4,087 |
| Net loans and leases to deposits | 44.0685% | 4,090 |
| Net loans and leases to core deposits | 44.3716% | 4,160 |
| Total domestic deposits to total assets | 87.5800% | 1,756 |
| Equity capital to assets | 3.0796% | 4,565 |
| Core capital (leverage) ratio | 8.2951% | 4,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4440% | 1,227 |
| Memoranda: | ||
| Average total assets | $906,005,333 | 1,073 |
| Average earning assets | $845,761,667 | 1,058 |
| Average equity | $25,832,000 | 2,473 |
| Average total loans | $347,031,333 | 1,610 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6572% | 4,090 |
| Cost of funding earning assets | 0.5703% | 3,474 |
| Net interest margin | 3.0869% | 3,379 |
| Noninterest income to average assets | 0.5800% | 1,496 |
| Noninterest expense to average assets | 2.0908% | 3,403 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0127% | 2,494 |
| Return on assets (ROA) | 1.0127% | 2,460 |
| Pretax return on assets | 1.3776% | 1,943 |
| Return on Equity (ROE) | 36.9700% | 136 |
| Retained earnings to average equity (ytd only) | 30.5768% | 111 |
| Net charge-offs to loans | -0.0012% | 3,334 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.2811% | 2,924 |
| Assets per employee ($millions) | 6.1969% | 2,584 |
| Cash dividends to net income (ytd only)* | 17.3027% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6772% | 186 |
| Loan loss allowance to noncurrent loans | 731.9873% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.1359% | 2,560 |
| Noncurrent loans to loans | 0.3657% | 1,835 |
| Net loans and leases to total assets | 36.1600% | 4,185 |
| Net loans and leases to deposits | 41.0286% | 4,195 |
| Net loans and leases to core deposits | 41.3050% | 4,235 |
| Total domestic deposits to total assets | 88.1200% | 1,890 |
| Equity capital to assets | 2.9568% | 4,600 |
| Core capital (leverage) ratio | 8.1061% | 4,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7826% | 1,192 |
| Memoranda: | ||
| Average total assets | $910,865,500 | 1,085 |
| Average earning assets | $850,820,500 | 1,070 |
| Average equity | $24,947,000 | 2,552 |
| Average total loans | $342,813,500 | 1,642 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2256% | 3,767 |
| Cost of funding earning assets | 0.1078% | 4,355 |
| Net interest margin | 3.1178% | 3,118 |
| Noninterest income to average assets | 0.5900% | 1,691 |
| Noninterest expense to average assets | 2.0948% | 3,307 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0964% | 2,188 |
| Return on assets (ROA) | 1.0964% | 2,127 |
| Pretax return on assets | 1.4182% | 1,720 |
| Return on Equity (ROE) | 30.3000% | 116 |
| Retained earnings to average equity (ytd only) | 23.9325% | 53 |
| Net charge-offs to loans | -0.0362% | 4,255 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.6296% | 3,107 |
| Assets per employee ($millions) | 5.9480% | 2,812 |
| Cash dividends to net income (ytd only)* | 21.0100% | 2,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8457% | 143 |
| Loan loss allowance to noncurrent loans | 763.1206% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.1422% | 2,541 |
| Noncurrent loans to loans | 0.3729% | 1,805 |
| Net loans and leases to total assets | 37.0600% | 4,176 |
| Net loans and leases to deposits | 40.6969% | 4,221 |
| Net loans and leases to core deposits | 40.9733% | 4,252 |
| Total domestic deposits to total assets | 91.0600% | 936 |
| Equity capital to assets | 2.5118% | 4,628 |
| Core capital (leverage) ratio | 8.3519% | 4,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3033% | 1,293 |
| Memoranda: | ||
| Average total assets | $856,074,800 | 1,125 |
| Average earning assets | $801,592,000 | 1,111 |
| Average equity | $30,978,800 | 2,295 |
| Average total loans | $318,052,800 | 1,646 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1220% | 3,623 |
| Cost of funding earning assets | 0.0531% | 4,565 |
| Net interest margin | 3.0690% | 3,023 |
| Noninterest income to average assets | 0.6000% | 1,705 |
| Noninterest expense to average assets | 2.1179% | 3,165 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9975% | 2,485 |
| Return on assets (ROA) | 0.9975% | 2,455 |
| Pretax return on assets | 1.3537% | 1,872 |
| Return on Equity (ROE) | 25.5100% | 172 |
| Retained earnings to average equity (ytd only) | 21.2066% | 77 |
| Net charge-offs to loans | -0.0418% | 4,256 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.0066% | 2,971 |
| Assets per employee ($millions) | 5.7650% | 2,973 |
| Cash dividends to net income (ytd only)* | 16.8692% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9388% | 140 |
| Loan loss allowance to noncurrent loans | 952.4138% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.1206% | 2,756 |
| Noncurrent loans to loans | 0.3086% | 2,138 |
| Net loans and leases to total assets | 37.9300% | 4,149 |
| Net loans and leases to deposits | 38.7007% | 4,286 |
| Net loans and leases to core deposits | 38.9723% | 4,312 |
| Total domestic deposits to total assets | 98.0200% | 53 |
| Equity capital to assets | 1.1282% | 4,692 |
| Core capital (leverage) ratio | 8.0339% | 4,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9527% | 1,441 |
| Memoranda: | ||
| Average total assets | $847,044,250 | 1,145 |
| Average earning assets | $793,910,250 | 1,130 |
| Average equity | $33,121,000 | 2,225 |
| Average total loans | $312,490,000 | 1,662 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9678% | 3,633 |
| Cost of funding earning assets | 0.0521% | 4,582 |
| Net interest margin | 2.9157% | 3,124 |
| Noninterest income to average assets | 0.5886% | 1,787 |
| Noninterest expense to average assets | 2.0909% | 3,179 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9354% | 2,422 |
| Return on assets (ROA) | 0.9354% | 2,397 |
| Pretax return on assets | 1.2391% | 1,935 |
| Return on Equity (ROE) | 19.3677% | 357 |
| Retained earnings to average equity (ytd only) | 15.8894% | 199 |
| Net charge-offs to loans | 0.0189% | 1,358 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 181.3448% | 572 |
| Efficiency ratio | 62.7892% | 2,944 |
| Assets per employee ($millions) | 5.8814% | 2,850 |
| Cash dividends to net income (ytd only)* | 17.9597% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0373% | 144 |
| Loan loss allowance to noncurrent loans | 1,143.8849% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.0971% | 3,030 |
| Noncurrent loans to loans | 0.2655% | 2,415 |
| Net loans and leases to total assets | 35.4673% | 4,274 |
| Net loans and leases to deposits | 36.8405% | 4,371 |
| Net loans and leases to core deposits | 37.1518% | 4,400 |
| Total domestic deposits to total assets | 96.2725% | 72 |
| Equity capital to assets | 2.8788% | 4,696 |
| Core capital (leverage) ratio | 7.9127% | 4,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7572% | 1,492 |
| Memoranda: | ||
| Average total assets | $848,827,333 | 1,138 |
| Average earning assets | $798,088,333 | 1,128 |
| Average equity | $40,996,000 | 1,959 |
| Average total loans | $307,005,667 | 1,682 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9332% | 3,444 |
| Cost of funding earning assets | 0.0518% | 4,590 |
| Net interest margin | 2.8814% | 2,899 |
| Noninterest income to average assets | 0.5659% | 1,842 |
| Noninterest expense to average assets | 2.0993% | 3,142 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8688% | 2,424 |
| Return on assets (ROA) | 0.8688% | 2,413 |
| Pretax return on assets | 1.1821% | 1,870 |
| Return on Equity (ROE) | 14.9225% | 665 |
| Retained earnings to average equity (ytd only) | 12.0161% | 603 |
| Net charge-offs to loans | 0.0527% | 762 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 62.3500% | 840 |
| Efficiency ratio | 63.9752% | 3,030 |
| Assets per employee ($millions) | 5.7535% | 3,054 |
| Cash dividends to net income (ytd only)* | 19.4763% | 1,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1543% | 137 |
| Loan loss allowance to noncurrent loans | 821.4655% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.1381% | 2,823 |
| Noncurrent loans to loans | 0.3840% | 2,108 |
| Net loans and leases to total assets | 34.8290% | 4,269 |
| Net loans and leases to deposits | 36.7456% | 4,359 |
| Net loans and leases to core deposits | 37.0797% | 4,397 |
| Total domestic deposits to total assets | 94.7843% | 53 |
| Equity capital to assets | 4.3891% | 4,762 |
| Core capital (leverage) ratio | 7.7147% | 4,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6851% | 1,344 |
| Memoranda: | ||
| Average total assets | $843,902,000 | 1,143 |
| Average earning assets | $795,296,500 | 1,134 |
| Average equity | $49,134,000 | 1,761 |
| Average total loans | $303,463,500 | 1,690 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2259% | 3,419 |
| Cost of funding earning assets | 0.0723% | 4,572 |
| Net interest margin | 3.1535% | 2,730 |
| Noninterest income to average assets | 0.6049% | 2,134 |
| Noninterest expense to average assets | 2.2491% | 2,954 |
| Loan and lease loss provision to assets | 0.0613% | 1,840 |
| Net operating income to assets | 0.9806% | 2,750 |
| Return on assets (ROA) | 0.9806% | 2,823 |
| Pretax return on assets | 1.2725% | 2,453 |
| Return on Equity (ROE) | 12.3371% | 1,700 |
| Retained earnings to average equity (ytd only) | 9.4616% | 1,057 |
| Net charge-offs to loans | -0.0006% | 3,238 |
| Credit loss provision to net charge-offs | -23,650.0000% | 4,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7723% | 2,754 |
| Assets per employee ($millions) | 5.8068% | 2,945 |
| Cash dividends to net income (ytd only)* | 23.3078% | 2,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1391% | 132 |
| Loan loss allowance to noncurrent loans | 486.9720% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 0.2399% | 2,357 |
| Noncurrent loans to loans | 0.6446% | 1,547 |
| Net loans and leases to total assets | 34.8271% | 4,341 |
| Net loans and leases to deposits | 37.8636% | 4,412 |
| Net loans and leases to core deposits | 38.2026% | 4,454 |
| Total domestic deposits to total assets | 91.9803% | 184 |
| Equity capital to assets | 7.2423% | 4,668 |
| Core capital (leverage) ratio | 7.6764% | 4,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8336% | 1,303 |
| Memoranda: | ||
| Average total assets | $771,365,200 | 1,193 |
| Average earning assets | $728,450,200 | 1,181 |
| Average equity | $61,310,800 | 1,489 |
| Average total loans | $333,777,800 | 1,578 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3238% | 3,328 |
| Cost of funding earning assets | 0.0785% | 4,639 |
| Net interest margin | 3.2453% | 2,595 |
| Noninterest income to average assets | 0.6152% | 2,149 |
| Noninterest expense to average assets | 2.2908% | 2,780 |
| Loan and lease loss provision to assets | 0.0839% | 1,420 |
| Net operating income to assets | 0.9704% | 3,018 |
| Return on assets (ROA) | 0.9704% | 3,099 |
| Pretax return on assets | 1.3018% | 2,619 |
| Return on Equity (ROE) | 11.9105% | 2,081 |
| Retained earnings to average equity (ytd only) | 9.0128% | 1,686 |
| Net charge-offs to loans | -0.0027% | 3,277 |
| Credit loss provision to net charge-offs | -6,757.1429% | 4,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3102% | 2,644 |
| Assets per employee ($millions) | 5.4592% | 3,240 |
| Cash dividends to net income (ytd only)* | 24.3288% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0204% | 150 |
| Loan loss allowance to noncurrent loans | 482.2670% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 0.2542% | 2,503 |
| Noncurrent loans to loans | 0.6263% | 1,740 |
| Net loans and leases to total assets | 38.0427% | 4,296 |
| Net loans and leases to deposits | 41.6186% | 4,391 |
| Net loans and leases to core deposits | 41.9962% | 4,447 |
| Total domestic deposits to total assets | 91.4079% | 255 |
| Equity capital to assets | 7.6881% | 4,658 |
| Core capital (leverage) ratio | 7.9073% | 4,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4985% | 1,485 |
| Memoranda: | ||
| Average total assets | $752,259,250 | 1,232 |
| Average earning assets | $709,609,250 | 1,218 |
| Average equity | $61,288,750 | 1,509 |
| Average total loans | $341,015,000 | 1,583 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3443% | 3,325 |
| Cost of funding earning assets | 0.0796% | 4,702 |
| Net interest margin | 3.2647% | 2,565 |
| Noninterest income to average assets | 0.6052% | 2,194 |
| Noninterest expense to average assets | 2.3200% | 2,701 |
| Loan and lease loss provision to assets | 0.3868% | 173 |
| Net operating income to assets | 0.7265% | 3,695 |
| Return on assets (ROA) | 0.7265% | 3,763 |
| Pretax return on assets | 0.9745% | 3,489 |
| Return on Equity (ROE) | 8.7359% | 3,183 |
| Retained earnings to average equity (ytd only) | 5.4972% | 2,999 |
| Net charge-offs to loans | -0.0023% | 3,222 |
| Credit loss provision to net charge-offs | -35,475.0000% | 4,118 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0211% | 2,570 |
| Assets per employee ($millions) | 5.4199% | 3,224 |
| Cash dividends to net income (ytd only)* | 37.0732% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0930% | 134 |
| Loan loss allowance to noncurrent loans | 307.0657% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.4508% | 1,832 |
| Noncurrent loans to loans | 1.0073% | 1,219 |
| Net loans and leases to total assets | 42.5146% | 4,146 |
| Net loans and leases to deposits | 46.5719% | 4,286 |
| Net loans and leases to core deposits | 47.0127% | 4,366 |
| Total domestic deposits to total assets | 91.2883% | 287 |
| Equity capital to assets | 7.8687% | 4,590 |
| Core capital (leverage) ratio | 7.9367% | 4,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $733,692,000 | 1,247 |
| Average earning assets | $691,330,333 | 1,237 |
| Average equity | $61,012,667 | 1,505 |
| Average total loans | $349,039,000 | 1,562 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5882% | 2,679 |
| Cost of funding earning assets | 0.0805% | 4,743 |
| Net interest margin | 3.5077% | 1,804 |
| Noninterest income to average assets | 0.5750% | 2,311 |
| Noninterest expense to average assets | 2.3943% | 2,507 |
| Loan and lease loss provision to assets | 0.5930% | 99 |
| Net operating income to assets | 0.6008% | 3,943 |
| Return on assets (ROA) | 0.6008% | 4,004 |
| Pretax return on assets | 0.8892% | 3,627 |
| Return on Equity (ROE) | 7.0200% | 3,602 |
| Retained earnings to average equity (ytd only) | 3.7820% | 3,567 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7656% | 2,798 |
| Assets per employee ($millions) | 5.0703% | 3,564 |
| Cash dividends to net income (ytd only)* | 46.1251% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9084% | 162 |
| Loan loss allowance to noncurrent loans | 250.0246% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.5540% | 1,709 |
| Noncurrent loans to loans | 1.1633% | 1,140 |
| Net loans and leases to total assets | 45.4656% | 4,003 |
| Net loans and leases to deposits | 49.9082% | 4,161 |
| Net loans and leases to core deposits | 50.3819% | 4,281 |
| Total domestic deposits to total assets | 91.0985% | 367 |
| Equity capital to assets | 8.0570% | 4,457 |
| Core capital (leverage) ratio | 8.3630% | 4,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $713,015,000 | 1,268 |
| Average earning assets | $671,095,000 | 1,257 |
| Average equity | $61,026,000 | 1,496 |
| Average total loans | $353,546,000 | 1,550 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8481% | 3,171 |
| Cost of funding earning assets | 0.1238% | 4,804 |
| Net interest margin | 3.7243% | 1,726 |
| Noninterest income to average assets | 0.7029% | 1,856 |
| Noninterest expense to average assets | 2.7319% | 2,137 |
| Loan and lease loss provision to assets | 0.3608% | 937 |
| Net operating income to assets | 0.8740% | 2,817 |
| Return on assets (ROA) | 0.9161% | 2,757 |
| Pretax return on assets | 1.1612% | 2,470 |
| Return on Equity (ROE) | 9.4816% | 2,201 |
| Retained earnings to average equity (ytd only) | 6.2307% | 1,691 |
| Net charge-offs to loans | 0.0006% | 3,419 |
| Credit loss provision to net charge-offs | 110,900.0000% | 6 |
| Earnings coverage of net charge-offs (x) | 4,514.5000% | 19 |
| Efficiency ratio | 65.0364% | 2,674 |
| Assets per employee ($millions) | 4.6944% | 3,723 |
| Cash dividends to net income (ytd only)* | 34.2862% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5397% | 249 |
| Loan loss allowance to noncurrent loans | 206.6818% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 0.6565% | 1,595 |
| Noncurrent loans to loans | 1.2288% | 1,135 |
| Net loans and leases to total assets | 51.2676% | 3,725 |
| Net loans and leases to deposits | 56.9316% | 3,948 |
| Net loans and leases to core deposits | 57.5307% | 4,073 |
| Total domestic deposits to total assets | 90.0512% | 544 |
| Equity capital to assets | 9.1083% | 3,967 |
| Core capital (leverage) ratio | 8.7924% | 3,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $614,775,600 | 1,307 |
| Average earning assets | $577,369,400 | 1,297 |
| Average equity | $59,399,400 | 1,455 |
| Average total loans | $345,532,200 | 1,518 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8538% | 3,406 |
| Cost of funding earning assets | 0.1372% | 4,836 |
| Net interest margin | 3.7166% | 1,889 |
| Noninterest income to average assets | 0.7412% | 1,673 |
| Noninterest expense to average assets | 2.8736% | 1,763 |
| Loan and lease loss provision to assets | 0.2422% | 1,680 |
| Net operating income to assets | 0.8608% | 2,857 |
| Return on assets (ROA) | 0.9186% | 2,759 |
| Pretax return on assets | 1.1880% | 2,431 |
| Return on Equity (ROE) | 9.3548% | 2,257 |
| Retained earnings to average equity (ytd only) | 6.0958% | 2,063 |
| Net charge-offs to loans | 0.0012% | 3,187 |
| Credit loss provision to net charge-offs | 36,233.3333% | 30 |
| Earnings coverage of net charge-offs (x) | 2,030.0000% | 50 |
| Efficiency ratio | 67.9220% | 2,206 |
| Assets per employee ($millions) | 4.4079% | 3,949 |
| Cash dividends to net income (ytd only)* | 34.8375% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1423% | 390 |
| Loan loss allowance to noncurrent loans | 215.0729% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.5820% | 1,987 |
| Noncurrent loans to loans | 0.9961% | 1,503 |
| Net loans and leases to total assets | 56.1301% | 3,611 |
| Net loans and leases to deposits | 62.6477% | 3,893 |
| Net loans and leases to core deposits | 63.2273% | 4,042 |
| Total domestic deposits to total assets | 89.5965% | 555 |
| Equity capital to assets | 9.4138% | 3,758 |
| Core capital (leverage) ratio | 8.9352% | 3,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $598,295,750 | 1,313 |
| Average earning assets | $561,754,250 | 1,304 |
| Average equity | $58,749,250 | 1,460 |
| Average total loans | $342,397,750 | 1,518 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9286% | 3,542 |
| Cost of funding earning assets | 0.1503% | 4,878 |
| Net interest margin | 3.7783% | 1,892 |
| Noninterest income to average assets | 0.7409% | 1,611 |
| Noninterest expense to average assets | 2.9676% | 1,661 |
| Loan and lease loss provision to assets | 0.2063% | 1,989 |
| Net operating income to assets | 0.8509% | 2,866 |
| Return on assets (ROA) | 0.9399% | 2,669 |
| Pretax return on assets | 1.2229% | 2,283 |
| Return on Equity (ROE) | 9.4276% | 2,189 |
| Retained earnings to average equity (ytd only) | 6.1276% | 2,015 |
| Net charge-offs to loans | 0.0234% | 2,247 |
| Credit loss provision to net charge-offs | 1,538.4615% | 589 |
| Earnings coverage of net charge-offs (x) | 98.1795% | 708 |
| Efficiency ratio | 69.2721% | 2,050 |
| Assets per employee ($millions) | 4.1779% | 4,124 |
| Cash dividends to net income (ytd only)* | 35.0037% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0293% | 417 |
| Loan loss allowance to noncurrent loans | 179.3394% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 0.6729% | 1,822 |
| Noncurrent loans to loans | 1.1315% | 1,389 |
| Net loans and leases to total assets | 57.3089% | 3,577 |
| Net loans and leases to deposits | 64.1498% | 3,871 |
| Net loans and leases to core deposits | 64.4658% | 4,049 |
| Total domestic deposits to total assets | 89.3360% | 633 |
| Equity capital to assets | 9.6048% | 3,559 |
| Core capital (leverage) ratio | 9.1348% | 3,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $581,742,667 | 1,326 |
| Average earning assets | $545,532,667 | 1,317 |
| Average equity | $58,000,000 | 1,461 |
| Average total loans | $332,643,667 | 1,543 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1221% | 3,458 |
| Cost of funding earning assets | 0.1919% | 4,907 |
| Net interest margin | 3.9302% | 1,578 |
| Noninterest income to average assets | 0.7259% | 1,546 |
| Noninterest expense to average assets | 3.0797% | 1,693 |
| Loan and lease loss provision to assets | 0.1073% | 2,337 |
| Net operating income to assets | 0.8955% | 2,541 |
| Return on assets (ROA) | 0.8955% | 2,641 |
| Pretax return on assets | 1.2009% | 2,195 |
| Return on Equity (ROE) | 8.8008% | 2,191 |
| Retained earnings to average equity (ytd only) | 5.4337% | 2,100 |
| Net charge-offs to loans | 0.0076% | 2,292 |
| Credit loss provision to net charge-offs | 2,500.0000% | 290 |
| Earnings coverage of net charge-offs (x) | 304.8333% | 231 |
| Efficiency ratio | 70.1874% | 2,324 |
| Assets per employee ($millions) | 3.7404% | 4,237 |
| Cash dividends to net income (ytd only)* | 38.2588% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2282% | 360 |
| Loan loss allowance to noncurrent loans | 164.2573% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 0.7641% | 1,765 |
| Noncurrent loans to loans | 1.3565% | 1,185 |
| Net loans and leases to total assets | 54.1937% | 3,976 |
| Net loans and leases to deposits | 61.2497% | 4,145 |
| Net loans and leases to core deposits | 61.5369% | 4,289 |
| Total domestic deposits to total assets | 88.4799% | 891 |
| Equity capital to assets | 10.4104% | 3,404 |
| Core capital (leverage) ratio | 9.9645% | 3,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $559,270,000 | 1,336 |
| Average earning assets | $521,096,000 | 1,327 |
| Average equity | $56,904,000 | 1,474 |
| Average total loans | $315,672,000 | 1,572 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2689% | 3,623 |
| Cost of funding earning assets | 0.2488% | 4,855 |
| Net interest margin | 4.0202% | 1,786 |
| Noninterest income to average assets | 0.7808% | 1,511 |
| Noninterest expense to average assets | 3.1315% | 1,684 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0531% | 2,644 |
| Return on assets (ROA) | 1.0536% | 2,737 |
| Pretax return on assets | 1.3834% | 2,225 |
| Return on Equity (ROE) | 10.9225% | 1,918 |
| Retained earnings to average equity (ytd only) | 7.5834% | 1,128 |
| Net charge-offs to loans | -0.1011% | 4,956 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3687% | 2,270 |
| Assets per employee ($millions) | 3.5947% | 4,379 |
| Cash dividends to net income (ytd only)* | 30.5709% | 3,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1752% | 342 |
| Loan loss allowance to noncurrent loans | 154.9099% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 0.8198% | 1,573 |
| Noncurrent loans to loans | 1.4041% | 1,041 |
| Net loans and leases to total assets | 56.2421% | 3,909 |
| Net loans and leases to deposits | 63.1879% | 4,126 |
| Net loans and leases to core deposits | 63.4924% | 4,303 |
| Total domestic deposits to total assets | 89.0077% | 670 |
| Equity capital to assets | 9.9310% | 3,985 |
| Core capital (leverage) ratio | 10.0886% | 3,423 |
| Tier 1 risk-based capital ratio | 14.9513% | 2,797 |
| Total risk-based capital ratio | 16.2089% | 2,734 |
| Memoranda: | ||
| Average total assets | $533,701,400 | 1,347 |
| Average earning assets | $495,649,400 | 1,340 |
| Average equity | $51,481,000 | 1,557 |
| Average total loans | $306,491,600 | 1,577 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2770% | 3,728 |
| Cost of funding earning assets | 0.2509% | 4,921 |
| Net interest margin | 4.0261% | 1,846 |
| Noninterest income to average assets | 0.7615% | 1,554 |
| Noninterest expense to average assets | 3.1425% | 1,602 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0027% | 2,970 |
| Return on assets (ROA) | 1.0027% | 3,049 |
| Pretax return on assets | 1.3642% | 2,445 |
| Return on Equity (ROE) | 10.4752% | 2,226 |
| Retained earnings to average equity (ytd only) | 7.2140% | 1,752 |
| Net charge-offs to loans | -0.1355% | 5,049 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7296% | 2,157 |
| Assets per employee ($millions) | 3.4862% | 4,510 |
| Cash dividends to net income (ytd only)* | 31.1323% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2219% | 323 |
| Loan loss allowance to noncurrent loans | 188.7212% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 0.7499% | 1,829 |
| Noncurrent loans to loans | 1.1773% | 1,340 |
| Net loans and leases to total assets | 56.7368% | 3,995 |
| Net loans and leases to deposits | 63.9155% | 4,174 |
| Net loans and leases to core deposits | 64.1114% | 4,360 |
| Total domestic deposits to total assets | 88.7686% | 703 |
| Equity capital to assets | 10.0670% | 3,948 |
| Core capital (leverage) ratio | 10.0020% | 3,644 |
| Tier 1 risk-based capital ratio | 15.2361% | 2,747 |
| Total risk-based capital ratio | 16.4947% | 2,674 |
| Memoranda: | ||
| Average total assets | $529,628,250 | 1,358 |
| Average earning assets | $492,671,750 | 1,351 |
| Average equity | $50,696,250 | 1,582 |
| Average total loans | $304,063,000 | 1,598 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2659% | 3,744 |
| Cost of funding earning assets | 0.2490% | 4,961 |
| Net interest margin | 4.0169% | 1,864 |
| Noninterest income to average assets | 0.7483% | 1,531 |
| Noninterest expense to average assets | 3.1936% | 1,523 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9452% | 3,112 |
| Return on assets (ROA) | 0.9452% | 3,180 |
| Pretax return on assets | 1.2858% | 2,614 |
| Return on Equity (ROE) | 10.0491% | 2,359 |
| Retained earnings to average equity (ytd only) | 6.7249% | 1,935 |
| Net charge-offs to loans | -0.1906% | 5,127 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2946% | 2,015 |
| Assets per employee ($millions) | 3.4697% | 4,534 |
| Cash dividends to net income (ytd only)* | 33.0797% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2603% | 311 |
| Loan loss allowance to noncurrent loans | 200.4092% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.7069% | 1,939 |
| Noncurrent loans to loans | 1.1278% | 1,446 |
| Net loans and leases to total assets | 55.4846% | 4,106 |
| Net loans and leases to deposits | 62.2752% | 4,320 |
| Net loans and leases to core deposits | 62.4649% | 4,484 |
| Total domestic deposits to total assets | 89.0958% | 625 |
| Equity capital to assets | 9.8080% | 4,131 |
| Core capital (leverage) ratio | 9.8194% | 3,801 |
| Tier 1 risk-based capital ratio | 14.4803% | 3,074 |
| Total risk-based capital ratio | 15.7381% | 2,994 |
| Memoranda: | ||
| Average total assets | $528,372,330 | 1,359 |
| Average earning assets | $490,779,670 | 1,358 |
| Average equity | $49,696,000 | 1,601 |
| Average total loans | $302,247,670 | 1,611 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2353% | 3,761 |
| Cost of funding earning assets | 0.2527% | 4,974 |
| Net interest margin | 3.9826% | 1,901 |
| Noninterest income to average assets | 0.7271% | 1,522 |
| Noninterest expense to average assets | 3.1276% | 1,669 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9433% | 3,077 |
| Return on assets (ROA) | 0.9433% | 3,119 |
| Pretax return on assets | 1.2836% | 2,519 |
| Return on Equity (ROE) | 10.2523% | 2,257 |
| Retained earnings to average equity (ytd only) | 6.8348% | 2,105 |
| Net charge-offs to loans | -0.3805% | 5,246 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9009% | 2,202 |
| Assets per employee ($millions) | 3.5059% | 4,556 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2789% | 308 |
| Loan loss allowance to noncurrent loans | 153.4587% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 0.9110% | 1,543 |
| Noncurrent loans to loans | 1.4850% | 1,084 |
| Net loans and leases to total assets | 55.5258% | 4,095 |
| Net loans and leases to deposits | 62.0369% | 4,300 |
| Net loans and leases to core deposits | 62.2268% | 4,460 |
| Total domestic deposits to total assets | 89.5045% | 641 |
| Equity capital to assets | 9.4126% | 4,332 |
| Core capital (leverage) ratio | 9.8458% | 3,771 |
| Tier 1 risk-based capital ratio | 14.2777% | 3,204 |
| Total risk-based capital ratio | 15.5357% | 3,128 |
| Memoranda: | ||
| Average total assets | $525,395,000 | 1,374 |
| Average earning assets | $486,008,500 | 1,376 |
| Average equity | $48,340,500 | 1,623 |
| Average total loans | $301,709,000 | 1,625 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0867% | 3,775 |
| Cost of funding earning assets | 0.1890% | 5,045 |
| Net interest margin | 3.8977% | 2,337 |
| Noninterest income to average assets | 0.7609% | 1,602 |
| Noninterest expense to average assets | 3.0744% | 1,861 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9901% | 3,052 |
| Return on assets (ROA) | 0.9901% | 3,052 |
| Pretax return on assets | 1.3010% | 2,492 |
| Return on Equity (ROE) | 11.6376% | 1,849 |
| Retained earnings to average equity (ytd only) | 8.5360% | 1,033 |
| Net charge-offs to loans | -0.0129% | 4,565 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2665% | 2,138 |
| Assets per employee ($millions) | 3.4993% | 4,547 |
| Cash dividends to net income (ytd only)* | 26.6512% | 3,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1704% | 351 |
| Loan loss allowance to noncurrent loans | 142.8758% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 1.0046% | 1,370 |
| Noncurrent loans to loans | 1.5191% | 1,004 |
| Net loans and leases to total assets | 56.7792% | 4,072 |
| Net loans and leases to deposits | 63.0661% | 4,308 |
| Net loans and leases to core deposits | 63.2952% | 4,484 |
| Total domestic deposits to total assets | 90.0313% | 466 |
| Equity capital to assets | 8.9857% | 4,593 |
| Core capital (leverage) ratio | 9.8031% | 3,792 |
| Tier 1 risk-based capital ratio | 14.5888% | 3,025 |
| Total risk-based capital ratio | 15.8464% | 2,943 |
| Memoranda: | ||
| Average total assets | $521,462,400 | 1,352 |
| Average earning assets | $483,569,600 | 1,355 |
| Average equity | $44,364,800 | 1,679 |
| Average total loans | $294,958,800 | 1,613 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0029% | 3,923 |
| Cost of funding earning assets | 0.1676% | 5,153 |
| Net interest margin | 3.8353% | 2,509 |
| Noninterest income to average assets | 0.7757% | 1,557 |
| Noninterest expense to average assets | 3.0551% | 1,870 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9424% | 3,342 |
| Return on assets (ROA) | 0.9424% | 3,344 |
| Pretax return on assets | 1.2827% | 2,687 |
| Return on Equity (ROE) | 11.2350% | 2,075 |
| Retained earnings to average equity (ytd only) | 8.2997% | 1,516 |
| Net charge-offs to loans | 0.0064% | 3,205 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 358.2844% | 261 |
| Efficiency ratio | 70.4291% | 2,131 |
| Assets per employee ($millions) | 3.4233% | 4,655 |
| Cash dividends to net income (ytd only)* | 26.1259% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1895% | 372 |
| Loan loss allowance to noncurrent loans | 109.6416% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 1.1621% | 1,220 |
| Noncurrent loans to loans | 1.9970% | 732 |
| Net loans and leases to total assets | 55.9414% | 4,224 |
| Net loans and leases to deposits | 61.8432% | 4,449 |
| Net loans and leases to core deposits | 62.1018% | 4,606 |
| Total domestic deposits to total assets | 90.4568% | 358 |
| Equity capital to assets | 8.4804% | 4,935 |
| Core capital (leverage) ratio | 9.5464% | 4,116 |
| Tier 1 risk-based capital ratio | 14.6185% | 3,057 |
| Total risk-based capital ratio | 15.8766% | 2,980 |
| Memoranda: | ||
| Average total assets | $521,479,750 | 1,351 |
| Average earning assets | $484,331,500 | 1,358 |
| Average equity | $43,743,250 | 1,710 |
| Average total loans | $293,045,750 | 1,630 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8937% | 4,090 |
| Cost of funding earning assets | 0.1592% | 5,202 |
| Net interest margin | 3.7345% | 2,810 |
| Noninterest income to average assets | 0.8006% | 1,475 |
| Noninterest expense to average assets | 3.0690% | 1,863 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8838% | 3,532 |
| Return on assets (ROA) | 0.8838% | 3,532 |
| Pretax return on assets | 1.2022% | 2,936 |
| Return on Equity (ROE) | 10.5743% | 2,295 |
| Retained earnings to average equity (ytd only) | 7.6303% | 1,783 |
| Net charge-offs to loans | 0.0021% | 3,138 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 1,045.6667% | 75 |
| Efficiency ratio | 71.8528% | 2,028 |
| Assets per employee ($millions) | 3.4789% | 4,620 |
| Cash dividends to net income (ytd only)* | 27.8404% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2221% | 359 |
| Loan loss allowance to noncurrent loans | 98.4910% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 1.2773% | 1,108 |
| Noncurrent loans to loans | 2.2561% | 607 |
| Net loans and leases to total assets | 54.6734% | 4,276 |
| Net loans and leases to deposits | 60.2705% | 4,513 |
| Net loans and leases to core deposits | 60.5539% | 4,679 |
| Total domestic deposits to total assets | 90.7134% | 323 |
| Equity capital to assets | 8.2969% | 5,076 |
| Core capital (leverage) ratio | 9.2668% | 4,397 |
| Tier 1 risk-based capital ratio | 14.3267% | 3,194 |
| Total risk-based capital ratio | 15.5847% | 3,111 |
| Memoranda: | ||
| Average total assets | $521,859,330 | 1,357 |
| Average earning assets | $484,987,330 | 1,356 |
| Average equity | $43,615,330 | 1,718 |
| Average total loans | $291,527,000 | 1,641 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7988% | 4,224 |
| Cost of funding earning assets | 0.1554% | 5,243 |
| Net interest margin | 3.6434% | 3,011 |
| Noninterest income to average assets | 0.7875% | 1,495 |
| Noninterest expense to average assets | 3.0946% | 1,840 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7913% | 3,738 |
| Return on assets (ROA) | 0.7913% | 3,743 |
| Pretax return on assets | 1.0828% | 3,239 |
| Return on Equity (ROE) | 9.4338% | 2,699 |
| Retained earnings to average equity (ytd only) | 6.4909% | 2,506 |
| Net charge-offs to loans | 0.0179% | 2,148 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 108.3077% | 576 |
| Efficiency ratio | 74.0795% | 1,893 |
| Assets per employee ($millions) | 3.5344% | 4,627 |
| Cash dividends to net income (ytd only)* | 31.1953% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2337% | 367 |
| Loan loss allowance to noncurrent loans | 97.2251% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 1.2887% | 1,154 |
| Noncurrent loans to loans | 2.2974% | 625 |
| Net loans and leases to total assets | 53.4470% | 4,333 |
| Net loans and leases to deposits | 58.7313% | 4,554 |
| Net loans and leases to core deposits | 59.1012% | 4,695 |
| Total domestic deposits to total assets | 91.0025% | 318 |
| Equity capital to assets | 8.0603% | 5,246 |
| Core capital (leverage) ratio | 9.3188% | 4,296 |
| Tier 1 risk-based capital ratio | 13.5416% | 3,635 |
| Total risk-based capital ratio | 14.7989% | 3,541 |
| Memoranda: | ||
| Average total assets | $520,132,000 | 1,373 |
| Average earning assets | $483,946,500 | 1,372 |
| Average equity | $43,630,500 | 1,720 |
| Average total loans | $290,423,500 | 1,651 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8199% | 3,984 |
| Cost of funding earning assets | 0.1694% | 5,156 |
| Net interest margin | 3.6505% | 2,987 |
| Noninterest income to average assets | 0.7742% | 1,668 |
| Noninterest expense to average assets | 2.9147% | 2,401 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6305% | 3,887 |
| Return on assets (ROA) | 0.6330% | 3,914 |
| Pretax return on assets | 1.2549% | 2,531 |
| Return on Equity (ROE) | 7.1794% | 3,191 |
| Retained earnings to average equity (ytd only) | 4.4028% | 2,518 |
| Net charge-offs to loans | -0.0517% | 5,199 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9691% | 2,554 |
| Assets per employee ($millions) | 3.3327% | 4,907 |
| Cash dividends to net income (ytd only)* | 38.6754% | 2,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2589% | 333 |
| Loan loss allowance to noncurrent loans | 95.5517% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 1.4968% | 918 |
| Noncurrent loans to loans | 2.3640% | 593 |
| Net loans and leases to total assets | 55.7785% | 4,211 |
| Net loans and leases to deposits | 61.8228% | 4,466 |
| Net loans and leases to core deposits | 62.2380% | 4,645 |
| Total domestic deposits to total assets | 90.2231% | 490 |
| Equity capital to assets | 8.7340% | 4,945 |
| Core capital (leverage) ratio | 9.1480% | 4,463 |
| Tier 1 risk-based capital ratio | 13.9314% | 3,399 |
| Total risk-based capital ratio | 15.1898% | 3,303 |
| Memoranda: | ||
| Average total assets | $505,678,200 | 1,390 |
| Average earning assets | $469,804,400 | 1,385 |
| Average equity | $44,585,600 | 1,672 |
| Average total loans | $284,221,600 | 1,636 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7488% | 4,187 |
| Cost of funding earning assets | 0.1702% | 5,195 |
| Net interest margin | 3.5786% | 3,230 |
| Noninterest income to average assets | 0.7940% | 1,615 |
| Noninterest expense to average assets | 2.9066% | 2,380 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7677% | 3,656 |
| Return on assets (ROA) | 0.7710% | 3,694 |
| Pretax return on assets | 1.2142% | 2,844 |
| Return on Equity (ROE) | 8.7243% | 2,754 |
| Retained earnings to average equity (ytd only) | 5.9873% | 2,245 |
| Net charge-offs to loans | -0.0608% | 5,224 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6256% | 2,428 |
| Assets per employee ($millions) | 3.9465% | 4,078 |
| Cash dividends to net income (ytd only)* | 31.3719% | 2,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2659% | 365 |
| Loan loss allowance to noncurrent loans | 88.2146% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 1.6225% | 911 |
| Noncurrent loans to loans | 2.5687% | 576 |
| Net loans and leases to total assets | 54.7469% | 4,348 |
| Net loans and leases to deposits | 60.8082% | 4,591 |
| Net loans and leases to core deposits | 61.2133% | 4,758 |
| Total domestic deposits to total assets | 90.0321% | 466 |
| Equity capital to assets | 8.9941% | 4,919 |
| Core capital (leverage) ratio | 9.2274% | 4,492 |
| Tier 1 risk-based capital ratio | 14.4065% | 3,236 |
| Total risk-based capital ratio | 15.6658% | 3,150 |
| Memoranda: | ||
| Average total assets | $505,457,000 | 1,399 |
| Average earning assets | $469,153,000 | 1,394 |
| Average equity | $44,671,250 | 1,684 |
| Average total loans | $283,006,250 | 1,650 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6734% | 4,306 |
| Cost of funding earning assets | 0.1694% | 5,211 |
| Net interest margin | 3.5040% | 3,383 |
| Noninterest income to average assets | 0.8287% | 1,475 |
| Noninterest expense to average assets | 2.9022% | 2,420 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7516% | 3,636 |
| Return on assets (ROA) | 0.7516% | 3,689 |
| Pretax return on assets | 1.1835% | 2,835 |
| Return on Equity (ROE) | 8.5558% | 2,749 |
| Retained earnings to average equity (ytd only) | 5.7899% | 2,234 |
| Net charge-offs to loans | -0.0021% | 4,186 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0337% | 2,506 |
| Assets per employee ($millions) | 3.6575% | 4,498 |
| Cash dividends to net income (ytd only)* | 32.3280% | 2,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2660% | 392 |
| Loan loss allowance to noncurrent loans | 86.2856% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 1.6826% | 867 |
| Noncurrent loans to loans | 2.6262% | 544 |
| Net loans and leases to total assets | 54.9669% | 4,316 |
| Net loans and leases to deposits | 61.0354% | 4,561 |
| Net loans and leases to core deposits | 61.4520% | 4,744 |
| Total domestic deposits to total assets | 90.0573% | 519 |
| Equity capital to assets | 9.0696% | 4,832 |
| Core capital (leverage) ratio | 9.1032% | 4,613 |
| Tier 1 risk-based capital ratio | 14.3156% | 3,259 |
| Total risk-based capital ratio | 15.5745% | 3,178 |
| Memoranda: | ||
| Average total assets | $502,927,670 | 1,407 |
| Average earning assets | $467,464,000 | 1,409 |
| Average equity | $44,180,330 | 1,697 |
| Average total loans | $281,545,670 | 1,655 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5736% | 4,486 |
| Cost of funding earning assets | 0.1686% | 5,246 |
| Net interest margin | 3.4050% | 3,640 |
| Noninterest income to average assets | 0.9138% | 1,198 |
| Noninterest expense to average assets | 2.8890% | 2,487 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7590% | 3,433 |
| Return on assets (ROA) | 0.7590% | 3,487 |
| Pretax return on assets | 1.1988% | 2,603 |
| Return on Equity (ROE) | 8.7812% | 2,521 |
| Retained earnings to average equity (ytd only) | 5.9797% | 2,350 |
| Net charge-offs to loans | 0.0071% | 2,722 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 302.0000% | 197 |
| Efficiency ratio | 70.6739% | 2,793 |
| Assets per employee ($millions) | 4.0030% | 4,003 |
| Cash dividends to net income (ytd only)* | 31.9038% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2393% | 447 |
| Loan loss allowance to noncurrent loans | 88.6695% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 1.6200% | 963 |
| Noncurrent loans to loans | 2.5255% | 617 |
| Net loans and leases to total assets | 55.2042% | 4,234 |
| Net loans and leases to deposits | 61.0859% | 4,491 |
| Net loans and leases to core deposits | 61.4586% | 4,695 |
| Total domestic deposits to total assets | 90.3714% | 524 |
| Equity capital to assets | 8.7703% | 5,024 |
| Core capital (leverage) ratio | 9.0858% | 4,638 |
| Tier 1 risk-based capital ratio | 14.1364% | 3,393 |
| Total risk-based capital ratio | 15.3952% | 3,309 |
| Memoranda: | ||
| Average total assets | $503,850,500 | 1,412 |
| Average earning assets | $469,669,000 | 1,409 |
| Average equity | $43,547,500 | 1,725 |
| Average total loans | $281,411,000 | 1,666 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6164% | 4,472 |
| Cost of funding earning assets | 0.1719% | 5,271 |
| Net interest margin | 3.4445% | 3,645 |
| Noninterest income to average assets | 0.7344% | 2,022 |
| Noninterest expense to average assets | 2.8983% | 2,680 |
| Loan and lease loss provision to assets | -0.0315% | 5,540 |
| Net operating income to assets | 0.6970% | 3,797 |
| Return on assets (ROA) | 0.6970% | 3,901 |
| Pretax return on assets | 1.0951% | 3,124 |
| Return on Equity (ROE) | 7.6033% | 3,170 |
| Retained earnings to average equity (ytd only) | 4.8854% | 2,421 |
| Net charge-offs to loans | -0.0630% | 5,458 |
| Credit loss provision to net charge-offs | 87.7193% | 2,844 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1557% | 2,402 |
| Assets per employee ($millions) | 3.8421% | 4,235 |
| Cash dividends to net income (ytd only)* | 35.7466% | 3,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2960% | 407 |
| Loan loss allowance to noncurrent loans | 86.5844% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 1.8837% | 763 |
| Noncurrent loans to loans | 2.6518% | 576 |
| Net loans and leases to total assets | 53.9660% | 4,446 |
| Net loans and leases to deposits | 59.4833% | 4,712 |
| Net loans and leases to core deposits | 59.8847% | 4,864 |
| Total domestic deposits to total assets | 90.7246% | 380 |
| Equity capital to assets | 8.5153% | 5,261 |
| Core capital (leverage) ratio | 9.0227% | 4,715 |
| Tier 1 risk-based capital ratio | 14.0646% | 3,430 |
| Total risk-based capital ratio | 15.3239% | 3,340 |
| Memoranda: | ||
| Average total assets | $475,594,400 | 1,441 |
| Average earning assets | $445,614,400 | 1,424 |
| Average equity | $43,599,400 | 1,701 |
| Average total loans | $271,609,600 | 1,666 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6070% | 4,533 |
| Cost of funding earning assets | 0.1708% | 5,342 |
| Net interest margin | 3.4362% | 3,720 |
| Noninterest income to average assets | 0.7454% | 1,986 |
| Noninterest expense to average assets | 3.0059% | 2,306 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6102% | 4,245 |
| Return on assets (ROA) | 0.6102% | 4,361 |
| Pretax return on assets | 0.9610% | 3,773 |
| Return on Equity (ROE) | 6.5318% | 3,822 |
| Retained earnings to average equity (ytd only) | 3.8552% | 3,563 |
| Net charge-offs to loans | -0.1002% | 5,571 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7745% | 2,008 |
| Assets per employee ($millions) | 3.6769% | 4,521 |
| Cash dividends to net income (ytd only)* | 40.9790% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3667% | 397 |
| Loan loss allowance to noncurrent loans | 91.0415% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 1.9006% | 844 |
| Noncurrent loans to loans | 2.5996% | 656 |
| Net loans and leases to total assets | 54.9667% | 4,405 |
| Net loans and leases to deposits | 61.0455% | 4,684 |
| Net loans and leases to core deposits | 61.4755% | 4,860 |
| Total domestic deposits to total assets | 90.0422% | 468 |
| Equity capital to assets | 9.0851% | 5,090 |
| Core capital (leverage) ratio | 9.0032% | 4,828 |
| Tier 1 risk-based capital ratio | 14.0826% | 3,516 |
| Total risk-based capital ratio | 15.3430% | 3,433 |
| Memoranda: | ||
| Average total assets | $468,663,250 | 1,461 |
| Average earning assets | $439,395,000 | 1,450 |
| Average equity | $43,784,500 | 1,704 |
| Average total loans | $270,011,000 | 1,672 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6023% | 4,578 |
| Cost of funding earning assets | 0.1691% | 5,420 |
| Net interest margin | 3.4332% | 3,749 |
| Noninterest income to average assets | 0.7628% | 1,876 |
| Noninterest expense to average assets | 3.0678% | 2,147 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5735% | 4,381 |
| Return on assets (ROA) | 0.5735% | 4,507 |
| Pretax return on assets | 0.9031% | 3,943 |
| Return on Equity (ROE) | 6.0793% | 4,011 |
| Retained earnings to average equity (ytd only) | 3.3825% | 3,739 |
| Net charge-offs to loans | 0.0075% | 3,431 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 208.0000% | 314 |
| Efficiency ratio | 77.2578% | 1,891 |
| Assets per employee ($millions) | 3.5497% | 4,679 |
| Cash dividends to net income (ytd only)* | 44.3603% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3214% | 447 |
| Loan loss allowance to noncurrent loans | 87.2168% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 2.0475% | 796 |
| Noncurrent loans to loans | 2.6617% | 623 |
| Net loans and leases to total assets | 56.1911% | 4,287 |
| Net loans and leases to deposits | 62.5787% | 4,607 |
| Net loans and leases to core deposits | 63.0366% | 4,810 |
| Total domestic deposits to total assets | 89.7926% | 565 |
| Equity capital to assets | 9.3156% | 4,959 |
| Core capital (leverage) ratio | 9.1548% | 4,655 |
| Tier 1 risk-based capital ratio | 14.1175% | 3,540 |
| Total risk-based capital ratio | 15.3776% | 3,448 |
| Memoranda: | ||
| Average total assets | $460,651,670 | 1,490 |
| Average earning assets | $430,444,000 | 1,476 |
| Average equity | $43,458,670 | 1,720 |
| Average total loans | $267,553,000 | 1,679 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5889% | 4,648 |
| Cost of funding earning assets | 0.1698% | 5,468 |
| Net interest margin | 3.4191% | 3,804 |
| Noninterest income to average assets | 0.7397% | 1,859 |
| Noninterest expense to average assets | 3.1416% | 1,982 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4952% | 4,647 |
| Return on assets (ROA) | 0.4952% | 4,743 |
| Pretax return on assets | 0.7803% | 4,268 |
| Return on Equity (ROE) | 5.2146% | 4,382 |
| Retained earnings to average equity (ytd only) | 2.4911% | 4,258 |
| Net charge-offs to loans | 0.0499% | 2,044 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 26.7879% | 1,260 |
| Efficiency ratio | 80.1035% | 1,594 |
| Assets per employee ($millions) | 3.4069% | 4,959 |
| Cash dividends to net income (ytd only)* | 52.2282% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3528% | 473 |
| Loan loss allowance to noncurrent loans | 84.7596% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 2.2100% | 740 |
| Noncurrent loans to loans | 2.7759% | 629 |
| Net loans and leases to total assets | 56.2757% | 4,223 |
| Net loans and leases to deposits | 62.6120% | 4,535 |
| Net loans and leases to core deposits | 63.0803% | 4,743 |
| Total domestic deposits to total assets | 89.8800% | 645 |
| Equity capital to assets | 9.2973% | 4,888 |
| Core capital (leverage) ratio | 9.5785% | 4,063 |
| Tier 1 risk-based capital ratio | 14.2662% | 3,519 |
| Total risk-based capital ratio | 15.5266% | 3,440 |
| Memoranda: | ||
| Average total assets | $453,150,500 | 1,511 |
| Average earning assets | $421,743,000 | 1,502 |
| Average equity | $43,033,000 | 1,726 |
| Average total loans | $264,516,000 | 1,697 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7762% | 4,111 |
| Cost of funding earning assets | 0.1804% | 5,452 |
| Net interest margin | 3.5958% | 3,154 |
| Noninterest income to average assets | 0.8116% | 1,743 |
| Noninterest expense to average assets | 3.1452% | 2,099 |
| Loan and lease loss provision to assets | -0.1169% | 5,878 |
| Net operating income to assets | 0.6732% | 3,935 |
| Return on assets (ROA) | 0.6732% | 4,026 |
| Pretax return on assets | 1.0918% | 3,100 |
| Return on Equity (ROE) | 6.8281% | 3,604 |
| Retained earnings to average equity (ytd only) | 3.7650% | 3,362 |
| Net charge-offs to loans | -0.3941% | 6,055 |
| Credit loss provision to net charge-offs | 48.9716% | 3,419 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3374% | 2,216 |
| Assets per employee ($millions) | 3.3554% | 5,056 |
| Cash dividends to net income (ytd only)* | 44.8611% | 2,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4466% | 428 |
| Loan loss allowance to noncurrent loans | 84.3096% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 2.3808% | 665 |
| Noncurrent loans to loans | 2.9019% | 571 |
| Net loans and leases to total assets | 57.7121% | 4,121 |
| Net loans and leases to deposits | 64.5319% | 4,428 |
| Net loans and leases to core deposits | 65.1032% | 4,660 |
| Total domestic deposits to total assets | 89.4320% | 892 |
| Equity capital to assets | 9.7078% | 4,293 |
| Core capital (leverage) ratio | 9.4504% | 4,248 |
| Tier 1 risk-based capital ratio | 14.7045% | 3,329 |
| Total risk-based capital ratio | 15.9661% | 3,254 |
| Memoranda: | ||
| Average total assets | $427,821,600 | 1,555 |
| Average earning assets | $393,648,400 | 1,550 |
| Average equity | $42,178,400 | 1,725 |
| Average total loans | $259,041,200 | 1,673 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7462% | 4,273 |
| Cost of funding earning assets | 0.1808% | 5,547 |
| Net interest margin | 3.5654% | 3,284 |
| Noninterest income to average assets | 0.7839% | 1,857 |
| Noninterest expense to average assets | 3.1474% | 2,093 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6100% | 4,335 |
| Return on assets (ROA) | 0.6100% | 4,441 |
| Pretax return on assets | 0.9166% | 3,927 |
| Return on Equity (ROE) | 6.1632% | 4,081 |
| Retained earnings to average equity (ytd only) | 3.7886% | 3,772 |
| Net charge-offs to loans | -0.4297% | 6,136 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4458% | 2,027 |
| Assets per employee ($millions) | 3.1720% | 5,338 |
| Cash dividends to net income (ytd only)* | 38.5287% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5987% | 383 |
| Loan loss allowance to noncurrent loans | 88.5279% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 2.5029% | 693 |
| Noncurrent loans to loans | 2.9355% | 615 |
| Net loans and leases to total assets | 57.1530% | 4,229 |
| Net loans and leases to deposits | 63.9511% | 4,562 |
| Net loans and leases to core deposits | 64.5020% | 4,792 |
| Total domestic deposits to total assets | 89.3699% | 829 |
| Equity capital to assets | 9.7501% | 4,451 |
| Core capital (leverage) ratio | 9.7784% | 3,926 |
| Tier 1 risk-based capital ratio | 14.9220% | 3,335 |
| Total risk-based capital ratio | 16.1856% | 3,277 |
| Memoranda: | ||
| Average total assets | $424,888,500 | 1,575 |
| Average earning assets | $390,893,500 | 1,570 |
| Average equity | $42,055,250 | 1,749 |
| Average total loans | $258,792,000 | 1,686 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7505% | 4,235 |
| Cost of funding earning assets | 0.1826% | 5,596 |
| Net interest margin | 3.5679% | 3,219 |
| Noninterest income to average assets | 0.7813% | 1,861 |
| Noninterest expense to average assets | 3.1607% | 2,094 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5925% | 4,384 |
| Return on assets (ROA) | 0.5925% | 4,475 |
| Pretax return on assets | 0.9001% | 3,954 |
| Return on Equity (ROE) | 5.9550% | 4,149 |
| Retained earnings to average equity (ytd only) | 3.7279% | 3,650 |
| Net charge-offs to loans | -0.6398% | 6,225 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8337% | 2,095 |
| Assets per employee ($millions) | 3.1892% | 5,360 |
| Cash dividends to net income (ytd only)* | 37.3997% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5665% | 451 |
| Loan loss allowance to noncurrent loans | 77.6059% | 4,280 |
| Noncurrent assets plus other real estate owned to assets | 2.7760% | 637 |
| Noncurrent loans to loans | 3.3070% | 552 |
| Net loans and leases to total assets | 59.2629% | 3,936 |
| Net loans and leases to deposits | 66.3776% | 4,303 |
| Net loans and leases to core deposits | 66.9659% | 4,575 |
| Total domestic deposits to total assets | 89.2816% | 1,011 |
| Equity capital to assets | 9.7983% | 4,281 |
| Core capital (leverage) ratio | 9.7308% | 3,964 |
| Tier 1 risk-based capital ratio | 14.7183% | 3,521 |
| Total risk-based capital ratio | 15.9819% | 3,437 |
| Memoranda: | ||
| Average total assets | $420,605,670 | 1,599 |
| Average earning assets | $386,612,670 | 1,601 |
| Average equity | $41,847,000 | 1,763 |
| Average total loans | $259,437,670 | 1,689 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7617% | 4,160 |
| Cost of funding earning assets | 0.1841% | 5,654 |
| Net interest margin | 3.5776% | 3,091 |
| Noninterest income to average assets | 0.8274% | 1,611 |
| Noninterest expense to average assets | 3.1762% | 2,043 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6260% | 4,166 |
| Return on assets (ROA) | 0.6260% | 4,268 |
| Pretax return on assets | 0.9481% | 3,701 |
| Return on Equity (ROE) | 6.2437% | 3,905 |
| Retained earnings to average equity (ytd only) | 4.4940% | 3,328 |
| Net charge-offs to loans | -1.2686% | 6,339 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0107% | 2,339 |
| Assets per employee ($millions) | 3.3824% | 5,110 |
| Cash dividends to net income (ytd only)* | 28.0245% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5614% | 492 |
| Loan loss allowance to noncurrent loans | 83.3396% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 2.6527% | 779 |
| Noncurrent loans to loans | 3.0734% | 683 |
| Net loans and leases to total assets | 59.0071% | 3,795 |
| Net loans and leases to deposits | 66.0426% | 4,146 |
| Net loans and leases to core deposits | 66.6787% | 4,459 |
| Total domestic deposits to total assets | 89.3470% | 1,071 |
| Equity capital to assets | 9.8259% | 4,356 |
| Core capital (leverage) ratio | 9.9810% | 3,626 |
| Tier 1 risk-based capital ratio | 15.0929% | 3,387 |
| Total risk-based capital ratio | 16.3571% | 3,295 |
| Memoranda: | ||
| Average total assets | $417,234,500 | 1,621 |
| Average earning assets | $384,502,500 | 1,613 |
| Average equity | $41,834,000 | 1,768 |
| Average total loans | $259,191,500 | 1,691 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9388% | 3,975 |
| Cost of funding earning assets | 0.1919% | 5,819 |
| Net interest margin | 3.7469% | 2,817 |
| Noninterest income to average assets | 0.8718% | 1,600 |
| Noninterest expense to average assets | 3.3325% | 1,846 |
| Loan and lease loss provision to assets | 0.0992% | 2,501 |
| Net operating income to assets | 0.5650% | 4,531 |
| Return on assets (ROA) | 0.5650% | 4,622 |
| Pretax return on assets | 0.8787% | 3,969 |
| Return on Equity (ROE) | 5.4147% | 4,450 |
| Retained earnings to average equity (ytd only) | -0.8414% | 5,901 |
| Net charge-offs to loans | 0.2715% | 1,588 |
| Credit loss provision to net charge-offs | 55.9441% | 3,357 |
| Earnings coverage of net charge-offs (x) | 5.5147% | 3,402 |
| Efficiency ratio | 77.3130% | 2,312 |
| Assets per employee ($millions) | 3.0444% | 5,641 |
| Cash dividends to net income (ytd only)* | 115.5399% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2618% | 760 |
| Loan loss allowance to noncurrent loans | 66.9763% | 4,603 |
| Noncurrent assets plus other real estate owned to assets | 2.9446% | 699 |
| Noncurrent loans to loans | 3.3770% | 626 |
| Net loans and leases to total assets | 62.3370% | 3,459 |
| Net loans and leases to deposits | 70.1285% | 3,894 |
| Net loans and leases to core deposits | 70.7892% | 4,240 |
| Total domestic deposits to total assets | 88.8896% | 1,293 |
| Equity capital to assets | 10.2393% | 3,805 |
| Core capital (leverage) ratio | 9.9683% | 3,620 |
| Tier 1 risk-based capital ratio | 14.8223% | 3,587 |
| Total risk-based capital ratio | 16.0831% | 3,514 |
| Memoranda: | ||
| Average total assets | $403,210,800 | 1,635 |
| Average earning assets | $370,037,800 | 1,630 |
| Average equity | $42,070,400 | 1,705 |
| Average total loans | $263,388,200 | 1,611 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9633% | 3,912 |
| Cost of funding earning assets | 0.1924% | 5,891 |
| Net interest margin | 3.7709% | 2,731 |
| Noninterest income to average assets | 0.9166% | 1,462 |
| Noninterest expense to average assets | 3.3691% | 1,743 |
| Loan and lease loss provision to assets | 0.1324% | 1,896 |
| Net operating income to assets | 0.5763% | 4,559 |
| Return on assets (ROA) | 0.5763% | 4,640 |
| Pretax return on assets | 0.8732% | 4,101 |
| Return on Equity (ROE) | 5.4977% | 4,488 |
| Retained earnings to average equity (ytd only) | 4.0356% | 3,779 |
| Net charge-offs to loans | 0.2327% | 1,651 |
| Credit loss provision to net charge-offs | 86.5801% | 2,486 |
| Earnings coverage of net charge-offs (x) | 6.5758% | 3,057 |
| Efficiency ratio | 77.0127% | 2,352 |
| Assets per employee ($millions) | 3.0709% | 5,644 |
| Cash dividends to net income (ytd only)* | 26.5939% | 2,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3611% | 771 |
| Loan loss allowance to noncurrent loans | 75.5611% | 4,316 |
| Noncurrent assets plus other real estate owned to assets | 2.8226% | 868 |
| Noncurrent loans to loans | 3.1248% | 825 |
| Net loans and leases to total assets | 62.6415% | 3,392 |
| Net loans and leases to deposits | 70.8369% | 3,817 |
| Net loans and leases to core deposits | 71.5834% | 4,193 |
| Total domestic deposits to total assets | 88.4306% | 1,541 |
| Equity capital to assets | 10.6755% | 3,337 |
| Core capital (leverage) ratio | 10.5284% | 3,013 |
| Tier 1 risk-based capital ratio | 15.3716% | 3,390 |
| Total risk-based capital ratio | 16.5086% | 3,383 |
| Memoranda: | ||
| Average total assets | $402,786,250 | 1,652 |
| Average earning assets | $369,376,500 | 1,645 |
| Average equity | $42,223,000 | 1,711 |
| Average total loans | $264,673,000 | 1,610 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9590% | 3,903 |
| Cost of funding earning assets | 0.1935% | 5,967 |
| Net interest margin | 3.7655% | 2,690 |
| Noninterest income to average assets | 0.9669% | 1,291 |
| Noninterest expense to average assets | 3.3885% | 1,701 |
| Loan and lease loss provision to assets | 0.1985% | 1,219 |
| Net operating income to assets | 0.5465% | 4,618 |
| Return on assets (ROA) | 0.5465% | 4,717 |
| Pretax return on assets | 0.8279% | 4,165 |
| Return on Equity (ROE) | 5.2451% | 4,556 |
| Retained earnings to average equity (ytd only) | 3.7778% | 3,783 |
| Net charge-offs to loans | 0.1829% | 1,929 |
| Credit loss provision to net charge-offs | 163.9344% | 1,372 |
| Earnings coverage of net charge-offs (x) | 8.4754% | 2,487 |
| Efficiency ratio | 76.7510% | 2,495 |
| Assets per employee ($millions) | 3.0806% | 5,629 |
| Cash dividends to net income (ytd only)* | 27.9746% | 2,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3955% | 813 |
| Loan loss allowance to noncurrent loans | 66.1982% | 4,627 |
| Noncurrent assets plus other real estate owned to assets | 2.9904% | 850 |
| Noncurrent loans to loans | 3.6187% | 719 |
| Net loans and leases to total assets | 63.7269% | 3,115 |
| Net loans and leases to deposits | 71.9797% | 3,570 |
| Net loans and leases to core deposits | 72.8534% | 3,960 |
| Total domestic deposits to total assets | 88.5347% | 1,615 |
| Equity capital to assets | 10.5664% | 3,358 |
| Core capital (leverage) ratio | 10.1885% | 3,362 |
| Tier 1 risk-based capital ratio | 14.9369% | 3,675 |
| Total risk-based capital ratio | 16.1998% | 3,609 |
| Memoranda: | ||
| Average total assets | $402,950,330 | 1,650 |
| Average earning assets | $368,983,670 | 1,644 |
| Average equity | $41,981,670 | 1,706 |
| Average total loans | $266,865,000 | 1,596 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9617% | 3,845 |
| Cost of funding earning assets | 0.1954% | 6,038 |
| Net interest margin | 3.7663% | 2,612 |
| Noninterest income to average assets | 1.0908% | 937 |
| Noninterest expense to average assets | 3.3648% | 1,796 |
| Loan and lease loss provision to assets | 0.2980% | 651 |
| Net operating income to assets | 0.5752% | 4,320 |
| Return on assets (ROA) | 0.5752% | 4,392 |
| Pretax return on assets | 0.8752% | 3,809 |
| Return on Equity (ROE) | 5.5604% | 4,252 |
| Retained earnings to average equity (ytd only) | 4.0815% | 3,669 |
| Net charge-offs to loans | 0.0923% | 2,236 |
| Credit loss provision to net charge-offs | 483.8710% | 560 |
| Earnings coverage of net charge-offs (x) | 19.0484% | 1,391 |
| Efficiency ratio | 74.1462% | 3,114 |
| Assets per employee ($millions) | 3.2828% | 5,379 |
| Cash dividends to net income (ytd only)* | 26.5976% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4059% | 906 |
| Loan loss allowance to noncurrent loans | 60.4177% | 4,824 |
| Noncurrent assets plus other real estate owned to assets | 3.3097% | 803 |
| Noncurrent loans to loans | 3.9821% | 679 |
| Net loans and leases to total assets | 63.7163% | 2,950 |
| Net loans and leases to deposits | 71.6644% | 3,384 |
| Net loans and leases to core deposits | 72.5790% | 3,809 |
| Total domestic deposits to total assets | 88.9094% | 1,718 |
| Equity capital to assets | 10.3031% | 3,466 |
| Core capital (leverage) ratio | 10.2627% | 3,205 |
| Tier 1 risk-based capital ratio | 14.5648% | 3,972 |
| Total risk-based capital ratio | 15.8270% | 3,911 |
| Memoranda: | ||
| Average total assets | $402,643,500 | 1,661 |
| Average earning assets | $368,529,500 | 1,657 |
| Average equity | $41,651,500 | 1,717 |
| Average total loans | $268,552,000 | 1,590 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1684% | 3,464 |
| Cost of funding earning assets | 0.2376% | 6,045 |
| Net interest margin | 3.9308% | 2,176 |
| Noninterest income to average assets | 0.8880% | 1,720 |
| Noninterest expense to average assets | 3.2968% | 2,160 |
| Loan and lease loss provision to assets | 0.5515% | 478 |
| Net operating income to assets | 0.4182% | 5,087 |
| Return on assets (ROA) | 0.4182% | 5,197 |
| Pretax return on assets | 0.6399% | 4,739 |
| Return on Equity (ROE) | 4.0048% | 5,109 |
| Retained earnings to average equity (ytd only) | 3.0298% | 4,077 |
| Net charge-offs to loans | 1.1320% | 487 |
| Credit loss provision to net charge-offs | 70.0388% | 3,307 |
| Earnings coverage of net charge-offs (x) | 1.5129% | 4,551 |
| Efficiency ratio | 73.4547% | 3,225 |
| Assets per employee ($millions) | 3.2114% | 5,469 |
| Cash dividends to net income (ytd only)* | 24.3457% | 3,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2688% | 1,084 |
| Loan loss allowance to noncurrent loans | 58.3784% | 4,925 |
| Noncurrent assets plus other real estate owned to assets | 3.4494% | 861 |
| Noncurrent loans to loans | 3.8863% | 760 |
| Net loans and leases to total assets | 66.5928% | 2,594 |
| Net loans and leases to deposits | 74.9750% | 3,102 |
| Net loans and leases to core deposits | 76.0130% | 3,609 |
| Total domestic deposits to total assets | 88.8201% | 1,737 |
| Equity capital to assets | 10.3869% | 3,301 |
| Core capital (leverage) ratio | 10.2126% | 3,274 |
| Tier 1 risk-based capital ratio | 14.1792% | 4,168 |
| Total risk-based capital ratio | 15.4401% | 4,105 |
| Memoranda: | ||
| Average total assets | $392,896,800 | 1,682 |
| Average earning assets | $359,853,600 | 1,673 |
| Average equity | $41,026,200 | 1,704 |
| Average total loans | $273,316,000 | 1,541 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1896% | 3,428 |
| Cost of funding earning assets | 0.2441% | 6,127 |
| Net interest margin | 3.9456% | 2,130 |
| Noninterest income to average assets | 0.9006% | 1,754 |
| Noninterest expense to average assets | 3.3860% | 1,862 |
| Loan and lease loss provision to assets | 0.5680% | 448 |
| Net operating income to assets | 0.3773% | 5,344 |
| Return on assets (ROA) | 0.3773% | 5,480 |
| Pretax return on assets | 0.5632% | 5,158 |
| Return on Equity (ROE) | 3.6083% | 5,383 |
| Retained earnings to average equity (ytd only) | 2.6313% | 4,753 |
| Net charge-offs to loans | 0.6457% | 947 |
| Credit loss provision to net charge-offs | 125.7919% | 1,871 |
| Earnings coverage of net charge-offs (x) | 2.5053% | 3,997 |
| Efficiency ratio | 74.9585% | 2,913 |
| Assets per employee ($millions) | 3.1009% | 5,671 |
| Cash dividends to net income (ytd only)* | 27.0757% | 2,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7179% | 726 |
| Loan loss allowance to noncurrent loans | 61.3383% | 4,770 |
| Noncurrent assets plus other real estate owned to assets | 3.7160% | 888 |
| Noncurrent loans to loans | 4.4310% | 745 |
| Net loans and leases to total assets | 67.4858% | 2,376 |
| Net loans and leases to deposits | 76.1334% | 2,945 |
| Net loans and leases to core deposits | 77.2615% | 3,465 |
| Total domestic deposits to total assets | 88.6414% | 1,757 |
| Equity capital to assets | 10.4609% | 3,328 |
| Core capital (leverage) ratio | 10.2846% | 3,266 |
| Tier 1 risk-based capital ratio | 14.1358% | 4,332 |
| Total risk-based capital ratio | 15.4023% | 4,269 |
| Memoranda: | ||
| Average total assets | $391,567,500 | 1,695 |
| Average earning assets | $358,909,250 | 1,683 |
| Average equity | $40,942,250 | 1,722 |
| Average total loans | $273,810,500 | 1,544 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1955% | 3,388 |
| Cost of funding earning assets | 0.2528% | 6,160 |
| Net interest margin | 3.9427% | 2,070 |
| Noninterest income to average assets | 0.9058% | 1,797 |
| Noninterest expense to average assets | 3.4277% | 1,766 |
| Loan and lease loss provision to assets | 0.5460% | 486 |
| Net operating income to assets | 0.3618% | 5,355 |
| Return on assets (ROA) | 0.3618% | 5,537 |
| Pretax return on assets | 0.5481% | 5,206 |
| Return on Equity (ROE) | 3.4608% | 5,443 |
| Retained earnings to average equity (ytd only) | 2.4818% | 4,726 |
| Net charge-offs to loans | 0.5481% | 1,204 |
| Credit loss provision to net charge-offs | 142.0772% | 1,603 |
| Earnings coverage of net charge-offs (x) | 2.8469% | 3,567 |
| Efficiency ratio | 75.8035% | 2,817 |
| Assets per employee ($millions) | 3.1336% | 5,612 |
| Cash dividends to net income (ytd only)* | 28.2885% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6859% | 800 |
| Loan loss allowance to noncurrent loans | 61.6892% | 4,713 |
| Noncurrent assets plus other real estate owned to assets | 3.8129% | 954 |
| Noncurrent loans to loans | 4.3540% | 827 |
| Net loans and leases to total assets | 68.4390% | 2,161 |
| Net loans and leases to deposits | 77.4249% | 2,651 |
| Net loans and leases to core deposits | 78.6504% | 3,205 |
| Total domestic deposits to total assets | 88.3940% | 1,990 |
| Equity capital to assets | 10.2935% | 3,552 |
| Core capital (leverage) ratio | 10.3920% | 2,995 |
| Tier 1 risk-based capital ratio | 14.1463% | 4,327 |
| Total risk-based capital ratio | 15.4126% | 4,275 |
| Memoranda: | ||
| Average total assets | $390,820,330 | 1,694 |
| Average earning assets | $358,433,000 | 1,696 |
| Average equity | $40,857,670 | 1,724 |
| Average total loans | $274,017,330 | 1,539 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1726% | 3,417 |
| Cost of funding earning assets | 0.2706% | 6,154 |
| Net interest margin | 3.9020% | 2,114 |
| Noninterest income to average assets | 0.9519% | 1,608 |
| Noninterest expense to average assets | 3.4633% | 1,699 |
| Loan and lease loss provision to assets | 0.5420% | 489 |
| Net operating income to assets | 0.3443% | 5,381 |
| Return on assets (ROA) | 0.3443% | 5,527 |
| Pretax return on assets | 0.5215% | 5,197 |
| Return on Equity (ROE) | 3.2679% | 5,453 |
| Retained earnings to average equity (ytd only) | 2.2953% | 4,876 |
| Net charge-offs to loans | 0.3176% | 1,694 |
| Credit loss provision to net charge-offs | 243.7788% | 940 |
| Earnings coverage of net charge-offs (x) | 4.7834% | 2,474 |
| Efficiency ratio | 76.5052% | 2,845 |
| Assets per employee ($millions) | 3.1085% | 5,806 |
| Cash dividends to net income (ytd only)* | 29.7619% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6932% | 920 |
| Loan loss allowance to noncurrent loans | 57.0558% | 4,849 |
| Noncurrent assets plus other real estate owned to assets | 4.1160% | 950 |
| Noncurrent loans to loans | 4.7202% | 847 |
| Net loans and leases to total assets | 67.6811% | 2,075 |
| Net loans and leases to deposits | 76.1970% | 2,607 |
| Net loans and leases to core deposits | 77.3833% | 3,148 |
| Total domestic deposits to total assets | 88.8238% | 1,782 |
| Equity capital to assets | 10.4236% | 3,641 |
| Core capital (leverage) ratio | 10.2211% | 3,122 |
| Tier 1 risk-based capital ratio | 13.6779% | 4,738 |
| Total risk-based capital ratio | 14.9441% | 4,690 |
| Memoranda: | ||
| Average total assets | $390,383,000 | 1,710 |
| Average earning assets | $357,665,000 | 1,709 |
| Average equity | $41,127,000 | 1,743 |
| Average total loans | $273,290,500 | 1,558 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6021% | 2,993 |
| Cost of funding earning assets | 0.3410% | 6,268 |
| Net interest margin | 4.2611% | 1,491 |
| Noninterest income to average assets | 0.8341% | 2,105 |
| Noninterest expense to average assets | 3.4490% | 1,947 |
| Loan and lease loss provision to assets | 0.6552% | 812 |
| Net operating income to assets | 0.3936% | 5,127 |
| Return on assets (ROA) | 0.3971% | 5,353 |
| Pretax return on assets | 0.6110% | 4,964 |
| Return on Equity (ROE) | 3.7751% | 5,242 |
| Retained earnings to average equity (ytd only) | 3.5275% | 3,736 |
| Net charge-offs to loans | 1.0037% | 1,086 |
| Credit loss provision to net charge-offs | 90.6014% | 3,456 |
| Earnings coverage of net charge-offs (x) | 1.7432% | 4,563 |
| Efficiency ratio | 73.2320% | 3,200 |
| Assets per employee ($millions) | 3.0393% | 5,955 |
| Cash dividends to net income (ytd only)* | 6.5574% | 4,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6041% | 1,014 |
| Loan loss allowance to noncurrent loans | 80.7364% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 3.2675% | 1,411 |
| Noncurrent loans to loans | 3.2254% | 1,602 |
| Net loans and leases to total assets | 68.6324% | 2,080 |
| Net loans and leases to deposits | 77.9273% | 2,546 |
| Net loans and leases to core deposits | 79.1269% | 3,131 |
| Total domestic deposits to total assets | 88.0724% | 2,195 |
| Equity capital to assets | 10.6490% | 3,336 |
| Core capital (leverage) ratio | 10.3678% | 2,930 |
| Tier 1 risk-based capital ratio | 14.1084% | 4,304 |
| Total risk-based capital ratio | 15.3737% | 4,252 |
| Memoranda: | ||
| Average total assets | $383,990,800 | 1,699 |
| Average earning assets | $349,256,000 | 1,710 |
| Average equity | $40,396,400 | 1,724 |
| Average total loans | $276,672,600 | 1,504 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7212% | 2,709 |
| Cost of funding earning assets | 0.3560% | 6,351 |
| Net interest margin | 4.3651% | 1,308 |
| Noninterest income to average assets | 0.7948% | 2,264 |
| Noninterest expense to average assets | 3.5011% | 1,758 |
| Loan and lease loss provision to assets | 0.7040% | 724 |
| Net operating income to assets | 0.3658% | 5,388 |
| Return on assets (ROA) | 0.3706% | 5,567 |
| Pretax return on assets | 0.5615% | 5,274 |
| Return on Equity (ROE) | 3.5339% | 5,481 |
| Retained earnings to average equity (ytd only) | 3.5339% | 4,390 |
| Net charge-offs to loans | 1.0231% | 1,034 |
| Credit loss provision to net charge-offs | 94.9812% | 3,146 |
| Earnings coverage of net charge-offs (x) | 1.6975% | 4,423 |
| Efficiency ratio | 73.5627% | 3,058 |
| Assets per employee ($millions) | 3.0840% | 5,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6653% | 1,014 |
| Loan loss allowance to noncurrent loans | 106.6618% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 2.8726% | 1,828 |
| Noncurrent loans to loans | 2.4988% | 2,298 |
| Net loans and leases to total assets | 68.5575% | 2,206 |
| Net loans and leases to deposits | 77.9044% | 2,668 |
| Net loans and leases to core deposits | 79.2887% | 3,296 |
| Total domestic deposits to total assets | 88.0021% | 2,041 |
| Equity capital to assets | 10.6462% | 3,676 |
| Core capital (leverage) ratio | 10.4284% | 2,999 |
| Tier 1 risk-based capital ratio | 14.1567% | 4,413 |
| Total risk-based capital ratio | 15.4227% | 4,364 |
| Memoranda: | ||
| Average total assets | $383,491,500 | 1,719 |
| Average earning assets | $348,295,750 | 1,730 |
| Average equity | $40,219,500 | 1,750 |
| Average total loans | $277,841,750 | 1,512 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8052% | 2,490 |
| Cost of funding earning assets | 0.3795% | 6,380 |
| Net interest margin | 4.4258% | 1,137 |
| Noninterest income to average assets | 0.7748% | 2,316 |
| Noninterest expense to average assets | 3.5369% | 1,708 |
| Loan and lease loss provision to assets | 0.7183% | 742 |
| Net operating income to assets | 0.3512% | 5,424 |
| Return on assets (ROA) | 0.3584% | 5,611 |
| Pretax return on assets | 0.5397% | 5,338 |
| Return on Equity (ROE) | 3.4347% | 5,514 |
| Retained earnings to average equity (ytd only) | 3.4347% | 4,315 |
| Net charge-offs to loans | 1.0431% | 1,050 |
| Credit loss provision to net charge-offs | 94.1781% | 2,928 |
| Earnings coverage of net charge-offs (x) | 1.6349% | 4,174 |
| Efficiency ratio | 73.9325% | 3,086 |
| Assets per employee ($millions) | 2.9444% | 6,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6254% | 1,126 |
| Loan loss allowance to noncurrent loans | 106.9387% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 3.1719% | 1,719 |
| Noncurrent loans to loans | 2.4551% | 2,449 |
| Net loans and leases to total assets | 70.8817% | 1,759 |
| Net loans and leases to deposits | 80.8058% | 2,263 |
| Net loans and leases to core deposits | 82.6055% | 2,883 |
| Total domestic deposits to total assets | 87.7185% | 2,329 |
| Equity capital to assets | 10.6347% | 3,534 |
| Core capital (leverage) ratio | 10.3565% | 2,978 |
| Tier 1 risk-based capital ratio | 13.9108% | 4,516 |
| Total risk-based capital ratio | 15.1770% | 4,475 |
| Memoranda: | ||
| Average total assets | $382,822,000 | 1,725 |
| Average earning assets | $346,788,330 | 1,738 |
| Average equity | $39,945,670 | 1,746 |
| Average total loans | $279,947,000 | 1,503 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8493% | 2,446 |
| Cost of funding earning assets | 0.4280% | 6,270 |
| Net interest margin | 4.4214% | 1,182 |
| Noninterest income to average assets | 0.6807% | 2,755 |
| Noninterest expense to average assets | 3.5450% | 1,672 |
| Loan and lease loss provision to assets | 0.6765% | 787 |
| Net operating income to assets | 0.3030% | 5,646 |
| Return on assets (ROA) | 0.3174% | 5,762 |
| Pretax return on assets | 0.4809% | 5,487 |
| Return on Equity (ROE) | 3.0714% | 5,691 |
| Retained earnings to average equity (ytd only) | 3.0714% | 4,718 |
| Net charge-offs to loans | 0.9614% | 1,075 |
| Credit loss provision to net charge-offs | 96.0118% | 2,438 |
| Earnings coverage of net charge-offs (x) | 1.6115% | 3,514 |
| Efficiency ratio | 75.7394% | 2,821 |
| Assets per employee ($millions) | 2.9397% | 6,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6067% | 1,214 |
| Loan loss allowance to noncurrent loans | 93.1153% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 3.6725% | 1,548 |
| Noncurrent loans to loans | 2.7995% | 2,311 |
| Net loans and leases to total assets | 70.9890% | 1,573 |
| Net loans and leases to deposits | 80.5680% | 2,132 |
| Net loans and leases to core deposits | 83.5233% | 2,601 |
| Total domestic deposits to total assets | 88.1107% | 2,241 |
| Equity capital to assets | 10.3586% | 3,660 |
| Core capital (leverage) ratio | 10.1679% | 3,151 |
| Tier 1 risk-based capital ratio | 13.5702% | 4,779 |
| Total risk-based capital ratio | 14.8359% | 4,749 |
| Memoranda: | ||
| Average total assets | $384,316,500 | 1,725 |
| Average earning assets | $347,675,500 | 1,739 |
| Average equity | $39,721,500 | 1,748 |
| Average total loans | $281,675,000 | 1,506 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0192% | 2,795 |
| Cost of funding earning assets | 0.5604% | 6,287 |
| Net interest margin | 4.4588% | 1,231 |
| Noninterest income to average assets | 0.5441% | 3,553 |
| Noninterest expense to average assets | 3.3259% | 2,438 |
| Loan and lease loss provision to assets | 0.8640% | 1,120 |
| Net operating income to assets | 0.2663% | 5,381 |
| Return on assets (ROA) | 0.2935% | 5,431 |
| Pretax return on assets | 0.4206% | 5,227 |
| Return on Equity (ROE) | 2.9797% | 5,293 |
| Retained earnings to average equity (ytd only) | 2.9797% | 4,112 |
| Net charge-offs to loans | 1.2171% | 1,380 |
| Credit loss provision to net charge-offs | 95.6130% | 3,775 |
| Earnings coverage of net charge-offs (x) | 1.3785% | 4,737 |
| Efficiency ratio | 72.7515% | 3,437 |
| Assets per employee ($millions) | 3.1437% | 5,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5982% | 1,196 |
| Loan loss allowance to noncurrent loans | 86.3898% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 3.9647% | 1,452 |
| Noncurrent loans to loans | 3.0076% | 2,159 |
| Net loans and leases to total assets | 71.7827% | 1,680 |
| Net loans and leases to deposits | 82.2142% | 2,171 |
| Net loans and leases to core deposits | 88.7870% | 2,281 |
| Total domestic deposits to total assets | 87.3118% | 2,575 |
| Equity capital to assets | 10.3126% | 3,764 |
| Core capital (leverage) ratio | 10.0004% | 3,342 |
| Tier 1 risk-based capital ratio | 13.5110% | 4,687 |
| Total risk-based capital ratio | 14.7771% | 4,643 |
| Memoranda: | ||
| Average total assets | $393,522,200 | 1,645 |
| Average earning assets | $355,457,200 | 1,665 |
| Average equity | $38,762,000 | 1,740 |
| Average total loans | $292,166,200 | 1,457 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0573% | 2,817 |
| Cost of funding earning assets | 0.5913% | 6,321 |
| Net interest margin | 4.4660% | 1,229 |
| Noninterest income to average assets | 0.5316% | 3,641 |
| Noninterest expense to average assets | 3.2792% | 2,562 |
| Loan and lease loss provision to assets | 0.9595% | 916 |
| Net operating income to assets | 0.2135% | 5,661 |
| Return on assets (ROA) | 0.2475% | 5,720 |
| Pretax return on assets | 0.3751% | 5,542 |
| Return on Equity (ROE) | 2.5411% | 5,604 |
| Retained earnings to average equity (ytd only) | 2.5411% | 4,842 |
| Net charge-offs to loans | 1.0615% | 1,498 |
| Credit loss provision to net charge-offs | 121.5352% | 2,668 |
| Earnings coverage of net charge-offs (x) | 1.6252% | 4,425 |
| Efficiency ratio | 71.8766% | 3,573 |
| Assets per employee ($millions) | 3.0190% | 6,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7535% | 1,073 |
| Loan loss allowance to noncurrent loans | 112.3666% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 3.6639% | 1,711 |
| Noncurrent loans to loans | 2.4505% | 2,823 |
| Net loans and leases to total assets | 72.0340% | 1,694 |
| Net loans and leases to deposits | 82.4827% | 2,261 |
| Net loans and leases to core deposits | 89.5260% | 2,310 |
| Total domestic deposits to total assets | 87.3322% | 2,454 |
| Equity capital to assets | 10.0065% | 4,332 |
| Core capital (leverage) ratio | 9.7930% | 3,715 |
| Tier 1 risk-based capital ratio | 13.0571% | 5,054 |
| Total risk-based capital ratio | 14.3252% | 5,014 |
| Memoranda: | ||
| Average total assets | $396,020,000 | 1,649 |
| Average earning assets | $357,417,250 | 1,662 |
| Average equity | $38,564,500 | 1,750 |
| Average total loans | $294,544,500 | 1,460 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0912% | 2,724 |
| Cost of funding earning assets | 0.6245% | 6,341 |
| Net interest margin | 4.4667% | 1,211 |
| Noninterest income to average assets | 0.6349% | 2,925 |
| Noninterest expense to average assets | 3.3031% | 2,551 |
| Loan and lease loss provision to assets | 1.0574% | 794 |
| Net operating income to assets | 0.2034% | 5,730 |
| Return on assets (ROA) | 0.2543% | 5,668 |
| Pretax return on assets | 0.3852% | 5,438 |
| Return on Equity (ROE) | 2.6351% | 5,549 |
| Retained earnings to average equity (ytd only) | 2.6351% | 4,618 |
| Net charge-offs to loans | 1.1047% | 1,427 |
| Credit loss provision to net charge-offs | 128.5190% | 2,375 |
| Earnings coverage of net charge-offs (x) | 1.6597% | 4,046 |
| Efficiency ratio | 70.7506% | 3,972 |
| Assets per employee ($millions) | 2.8191% | 6,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7357% | 1,141 |
| Loan loss allowance to noncurrent loans | 194.7677% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 3.0499% | 2,202 |
| Noncurrent loans to loans | 1.4046% | 4,309 |
| Net loans and leases to total assets | 71.7619% | 1,829 |
| Net loans and leases to deposits | 83.4556% | 2,191 |
| Net loans and leases to core deposits | 91.6677% | 2,174 |
| Total domestic deposits to total assets | 85.9881% | 3,333 |
| Equity capital to assets | 9.8201% | 4,370 |
| Core capital (leverage) ratio | 9.5202% | 3,927 |
| Tier 1 risk-based capital ratio | 13.0315% | 4,892 |
| Total risk-based capital ratio | 14.2894% | 4,869 |
| Memoranda: | ||
| Average total assets | $397,201,330 | 1,652 |
| Average earning assets | $358,699,000 | 1,668 |
| Average equity | $38,328,330 | 1,749 |
| Average total loans | $295,819,000 | 1,470 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0369% | 2,921 |
| Cost of funding earning assets | 0.6619% | 6,338 |
| Net interest margin | 4.3750% | 1,353 |
| Noninterest income to average assets | 0.7659% | 2,185 |
| Noninterest expense to average assets | 3.3910% | 2,305 |
| Loan and lease loss provision to assets | 0.9035% | 890 |
| Net operating income to assets | 0.2771% | 5,514 |
| Return on assets (ROA) | 0.2771% | 5,575 |
| Pretax return on assets | 0.4196% | 5,284 |
| Return on Equity (ROE) | 2.8966% | 5,422 |
| Retained earnings to average equity (ytd only) | 2.8966% | 4,423 |
| Net charge-offs to loans | 1.2035% | 1,158 |
| Credit loss provision to net charge-offs | 100.3344% | 2,635 |
| Earnings coverage of net charge-offs (x) | 1.4693% | 3,607 |
| Efficiency ratio | 71.9336% | 3,883 |
| Assets per employee ($millions) | 2.9902% | 6,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5309% | 1,420 |
| Loan loss allowance to noncurrent loans | 124.0986% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 3.3780% | 2,019 |
| Noncurrent loans to loans | 2.0394% | 3,525 |
| Net loans and leases to total assets | 71.5806% | 1,798 |
| Net loans and leases to deposits | 83.0118% | 2,184 |
| Net loans and leases to core deposits | 92.3446% | 2,089 |
| Total domestic deposits to total assets | 86.2294% | 3,379 |
| Equity capital to assets | 9.4827% | 4,460 |
| Core capital (leverage) ratio | 9.5231% | 3,769 |
| Tier 1 risk-based capital ratio | 12.6373% | 5,129 |
| Total risk-based capital ratio | 13.8867% | 5,109 |
| Memoranda: | ||
| Average total assets | $398,466,000 | 1,659 |
| Average earning assets | $359,588,000 | 1,674 |
| Average equity | $38,114,000 | 1,745 |
| Average total loans | $298,133,500 | 1,471 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1932% | 3,643 |
| Cost of funding earning assets | 0.8395% | 6,402 |
| Net interest margin | 4.3537% | 1,636 |
| Noninterest income to average assets | 0.5729% | 3,646 |
| Noninterest expense to average assets | 3.2156% | 3,030 |
| Loan and lease loss provision to assets | 1.0242% | 1,581 |
| Net operating income to assets | 0.2037% | 5,258 |
| Return on assets (ROA) | 0.2473% | 5,272 |
| Pretax return on assets | 0.3557% | 5,066 |
| Return on Equity (ROE) | 2.6027% | 5,130 |
| Retained earnings to average equity (ytd only) | -4.3480% | 6,234 |
| Net charge-offs to loans | 1.0880% | 2,046 |
| Credit loss provision to net charge-offs | 125.3687% | 3,254 |
| Earnings coverage of net charge-offs (x) | 1.6130% | 4,526 |
| Efficiency ratio | 70.9319% | 4,000 |
| Assets per employee ($millions) | 3.0251% | 6,044 |
| Cash dividends to net income (ytd only)* | 267.0565% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5016% | 1,409 |
| Loan loss allowance to noncurrent loans | 112.1915% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 3.2970% | 2,140 |
| Noncurrent loans to loans | 2.2297% | 3,296 |
| Net loans and leases to total assets | 74.3308% | 1,594 |
| Net loans and leases to deposits | 87.0884% | 1,924 |
| Net loans and leases to core deposits | 97.8545% | 1,808 |
| Total domestic deposits to total assets | 85.3510% | 3,692 |
| Equity capital to assets | 9.6498% | 4,214 |
| Core capital (leverage) ratio | 9.1748% | 4,221 |
| Tier 1 risk-based capital ratio | 12.5691% | 4,961 |
| Total risk-based capital ratio | 13.8343% | 4,939 |
| Memoranda: | ||
| Average total assets | $414,942,200 | 1,595 |
| Average earning assets | $377,472,000 | 1,594 |
| Average equity | $39,420,800 | 1,678 |
| Average total loans | $311,574,400 | 1,442 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1635% | 4,020 |
| Cost of funding earning assets | 0.8617% | 6,540 |
| Net interest margin | 4.3018% | 1,845 |
| Noninterest income to average assets | 0.8472% | 2,008 |
| Noninterest expense to average assets | 3.4734% | 2,105 |
| Loan and lease loss provision to assets | 1.0308% | 1,435 |
| Net operating income to assets | 0.1690% | 5,594 |
| Return on assets (ROA) | 0.2157% | 5,626 |
| Pretax return on assets | 0.3362% | 5,410 |
| Return on Equity (ROE) | 2.2786% | 5,505 |
| Retained earnings to average equity (ytd only) | -2.5501% | 6,292 |
| Net charge-offs to loans | 0.7631% | 2,519 |
| Credit loss provision to net charge-offs | 180.5556% | 2,029 |
| Earnings coverage of net charge-offs (x) | 2.2667% | 4,036 |
| Efficiency ratio | 72.8561% | 3,549 |
| Assets per employee ($millions) | 2.9398% | 6,287 |
| Cash dividends to net income (ytd only)* | 211.9132% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6376% | 1,156 |
| Loan loss allowance to noncurrent loans | 103.3338% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 2.9419% | 2,463 |
| Noncurrent loans to loans | 2.5525% | 3,069 |
| Net loans and leases to total assets | 72.5567% | 2,111 |
| Net loans and leases to deposits | 87.2121% | 2,122 |
| Net loans and leases to core deposits | 97.3110% | 2,113 |
| Total domestic deposits to total assets | 83.1956% | 4,508 |
| Equity capital to assets | 9.5636% | 4,748 |
| Core capital (leverage) ratio | 9.1996% | 4,372 |
| Tier 1 risk-based capital ratio | 12.8663% | 4,677 |
| Total risk-based capital ratio | 14.1339% | 4,652 |
| Memoranda: | ||
| Average total assets | $420,362,500 | 1,602 |
| Average earning assets | $383,089,000 | 1,594 |
| Average equity | $39,788,750 | 1,676 |
| Average total loans | $314,514,500 | 1,442 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1475% | 4,204 |
| Cost of funding earning assets | 0.8603% | 6,728 |
| Net interest margin | 4.2873% | 1,834 |
| Noninterest income to average assets | 0.8982% | 1,692 |
| Noninterest expense to average assets | 3.3565% | 2,387 |
| Loan and lease loss provision to assets | 1.1812% | 1,190 |
| Net operating income to assets | 0.1700% | 5,661 |
| Return on assets (ROA) | 0.2396% | 5,555 |
| Pretax return on assets | 0.3733% | 5,298 |
| Return on Equity (ROE) | 2.5394% | 5,445 |
| Retained earnings to average equity (ytd only) | -0.5960% | 5,874 |
| Net charge-offs to loans | 0.8748% | 2,083 |
| Credit loss provision to net charge-offs | 180.2451% | 2,177 |
| Earnings coverage of net charge-offs (x) | 2.2062% | 3,910 |
| Efficiency ratio | 69.8937% | 4,207 |
| Assets per employee ($millions) | 2.8823% | 6,391 |
| Cash dividends to net income (ytd only)* | 123.4714% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4873% | 1,318 |
| Loan loss allowance to noncurrent loans | 115.5784% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 2.5289% | 2,853 |
| Noncurrent loans to loans | 2.1521% | 3,525 |
| Net loans and leases to total assets | 71.7371% | 2,477 |
| Net loans and leases to deposits | 86.4346% | 2,438 |
| Net loans and leases to core deposits | 102.6789% | 1,768 |
| Total domestic deposits to total assets | 82.9959% | 4,578 |
| Equity capital to assets | 9.4525% | 4,778 |
| Core capital (leverage) ratio | 9.2190% | 4,273 |
| Tier 1 risk-based capital ratio | 12.8688% | 4,553 |
| Total risk-based capital ratio | 14.0771% | 4,542 |
| Memoranda: | ||
| Average total assets | $423,292,670 | 1,611 |
| Average earning assets | $385,466,670 | 1,605 |
| Average equity | $39,931,330 | 1,671 |
| Average total loans | $317,115,000 | 1,450 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1119% | 4,476 |
| Cost of funding earning assets | 0.8546% | 6,925 |
| Net interest margin | 4.2573% | 1,832 |
| Noninterest income to average assets | 0.7639% | 2,214 |
| Noninterest expense to average assets | 3.2315% | 2,753 |
| Loan and lease loss provision to assets | 1.1345% | 1,081 |
| Net operating income to assets | 0.1640% | 5,810 |
| Return on assets (ROA) | 0.2269% | 5,712 |
| Pretax return on assets | 0.3536% | 5,440 |
| Return on Equity (ROE) | 2.4077% | 5,591 |
| Retained earnings to average equity (ytd only) | -0.7323% | 6,001 |
| Net charge-offs to loans | 0.7379% | 2,029 |
| Credit loss provision to net charge-offs | 203.3898% | 1,829 |
| Earnings coverage of net charge-offs (x) | 2.4915% | 3,292 |
| Efficiency ratio | 69.9264% | 4,314 |
| Assets per employee ($millions) | 2.9626% | 6,302 |
| Cash dividends to net income (ytd only)* | 130.4167% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2633% | 1,635 |
| Loan loss allowance to noncurrent loans | 76.5414% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 3.3383% | 2,133 |
| Noncurrent loans to loans | 2.9570% | 2,718 |
| Net loans and leases to total assets | 72.8789% | 2,235 |
| Net loans and leases to deposits | 87.5492% | 2,306 |
| Net loans and leases to core deposits | 108.4516% | 1,386 |
| Total domestic deposits to total assets | 83.2433% | 4,505 |
| Equity capital to assets | 9.2769% | 4,868 |
| Core capital (leverage) ratio | 9.5780% | 3,671 |
| Tier 1 risk-based capital ratio | 11.1313% | 6,024 |
| Total risk-based capital ratio | 12.3910% | 5,981 |
| Memoranda: | ||
| Average total assets | $423,090,500 | 1,647 |
| Average earning assets | $383,338,000 | 1,657 |
| Average equity | $39,872,000 | 1,684 |
| Average total loans | $319,822,000 | 1,478 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4387% | 4,498 |
| Cost of funding earning assets | 1.2761% | 6,390 |
| Net interest margin | 4.1626% | 2,204 |
| Noninterest income to average assets | 0.6591% | 3,227 |
| Noninterest expense to average assets | 3.1241% | 3,638 |
| Loan and lease loss provision to assets | 1.0209% | 2,235 |
| Net operating income to assets | 0.2139% | 4,855 |
| Return on assets (ROA) | 0.2811% | 4,697 |
| Pretax return on assets | 0.4105% | 4,466 |
| Return on Equity (ROE) | 2.9617% | 4,515 |
| Retained earnings to average equity (ytd only) | -0.1751% | 4,986 |
| Net charge-offs to loans | 0.9446% | 2,506 |
| Credit loss provision to net charge-offs | 142.3370% | 3,396 |
| Earnings coverage of net charge-offs (x) | 1.8580% | 4,327 |
| Efficiency ratio | 70.0991% | 4,603 |
| Assets per employee ($millions) | 2.8340% | 6,598 |
| Cash dividends to net income (ytd only)* | 105.9122% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0794% | 1,859 |
| Loan loss allowance to noncurrent loans | 86.7974% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 2.9755% | 2,360 |
| Noncurrent loans to loans | 2.3957% | 3,168 |
| Net loans and leases to total assets | 75.0553% | 2,012 |
| Net loans and leases to deposits | 90.0137% | 2,213 |
| Net loans and leases to core deposits | 105.5029% | 3,391 |
| Total domestic deposits to total assets | 83.3820% | 4,342 |
| Equity capital to assets | 9.5757% | 4,306 |
| Core capital (leverage) ratio | 9.5013% | 3,719 |
| Tier 1 risk-based capital ratio | 11.6229% | 5,270 |
| Total risk-based capital ratio | 12.8814% | 5,221 |
| Memoranda: | ||
| Average total assets | $421,207,200 | 1,640 |
| Average earning assets | $384,282,200 | 1,636 |
| Average equity | $39,976,600 | 1,673 |
| Average total loans | $319,804,200 | 1,503 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4311% | 4,788 |
| Cost of funding earning assets | 1.3401% | 6,428 |
| Net interest margin | 4.0910% | 2,438 |
| Noninterest income to average assets | 0.6342% | 3,463 |
| Noninterest expense to average assets | 3.2846% | 2,979 |
| Loan and lease loss provision to assets | 0.7261% | 2,561 |
| Net operating income to assets | 0.2377% | 5,028 |
| Return on assets (ROA) | 0.2377% | 5,108 |
| Pretax return on assets | 0.3703% | 4,876 |
| Return on Equity (ROE) | 2.5101% | 4,988 |
| Retained earnings to average equity (ytd only) | -0.6234% | 5,385 |
| Net charge-offs to loans | 1.0131% | 1,947 |
| Credit loss provision to net charge-offs | 94.6113% | 5,351 |
| Earnings coverage of net charge-offs (x) | 1.4286% | 4,710 |
| Efficiency ratio | 74.9748% | 3,696 |
| Assets per employee ($millions) | 2.9467% | 6,284 |
| Cash dividends to net income (ytd only)* | 124.8344% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6355% | 2,861 |
| Loan loss allowance to noncurrent loans | 71.4091% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 2.6147% | 2,663 |
| Noncurrent loans to loans | 2.2903% | 3,277 |
| Net loans and leases to total assets | 74.6480% | 2,326 |
| Net loans and leases to deposits | 88.1785% | 2,923 |
| Net loans and leases to core deposits | 101.4206% | 4,220 |
| Total domestic deposits to total assets | 84.6555% | 3,402 |
| Equity capital to assets | 9.5476% | 4,681 |
| Core capital (leverage) ratio | 9.2337% | 4,286 |
| Tier 1 risk-based capital ratio | 11.7577% | 5,193 |
| Total risk-based capital ratio | 13.0116% | 5,133 |
| Memoranda: | ||
| Average total assets | $422,359,750 | 1,654 |
| Average earning assets | $386,826,750 | 1,648 |
| Average equity | $39,997,750 | 1,697 |
| Average total loans | $319,925,750 | 1,524 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4116% | 5,085 |
| Cost of funding earning assets | 1.3968% | 6,493 |
| Net interest margin | 4.0149% | 2,637 |
| Noninterest income to average assets | 0.6052% | 3,647 |
| Noninterest expense to average assets | 3.3136% | 2,901 |
| Loan and lease loss provision to assets | 0.5915% | 2,673 |
| Net operating income to assets | 0.2475% | 5,095 |
| Return on assets (ROA) | 0.2475% | 5,192 |
| Pretax return on assets | 0.3833% | 4,983 |
| Return on Equity (ROE) | 2.6203% | 5,047 |
| Retained earnings to average equity (ytd only) | -0.5160% | 5,353 |
| Net charge-offs to loans | 0.7544% | 2,176 |
| Credit loss provision to net charge-offs | 103.5626% | 4,433 |
| Earnings coverage of net charge-offs (x) | 1.7067% | 4,277 |
| Efficiency ratio | 77.2702% | 3,460 |
| Assets per employee ($millions) | 2.9845% | 6,176 |
| Cash dividends to net income (ytd only)* | 119.6941% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7004% | 2,346 |
| Loan loss allowance to noncurrent loans | 76.7614% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 2.3005% | 2,831 |
| Noncurrent loans to loans | 2.2152% | 3,242 |
| Net loans and leases to total assets | 73.1992% | 2,911 |
| Net loans and leases to deposits | 87.1300% | 3,329 |
| Net loans and leases to core deposits | 101.6589% | 4,317 |
| Total domestic deposits to total assets | 84.0115% | 3,764 |
| Equity capital to assets | 9.3305% | 4,825 |
| Core capital (leverage) ratio | 9.1348% | 4,410 |
| Tier 1 risk-based capital ratio | 11.9796% | 4,939 |
| Total risk-based capital ratio | 13.2345% | 4,852 |
| Memoranda: | ||
| Average total assets | $422,685,330 | 1,679 |
| Average earning assets | $387,757,000 | 1,672 |
| Average equity | $39,919,670 | 1,706 |
| Average total loans | $319,973,000 | 1,554 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3761% | 5,544 |
| Cost of funding earning assets | 1.4900% | 6,435 |
| Net interest margin | 3.8861% | 3,103 |
| Noninterest income to average assets | 0.6162% | 3,433 |
| Noninterest expense to average assets | 3.3635% | 2,460 |
| Loan and lease loss provision to assets | 0.5706% | 2,203 |
| Net operating income to assets | 0.1740% | 5,739 |
| Return on assets (ROA) | 0.1740% | 5,908 |
| Pretax return on assets | 0.2710% | 5,758 |
| Return on Equity (ROE) | 1.8314% | 5,832 |
| Retained earnings to average equity (ytd only) | -1.3010% | 5,959 |
| Net charge-offs to loans | 0.6117% | 1,949 |
| Credit loss provision to net charge-offs | 122.1996% | 3,232 |
| Earnings coverage of net charge-offs (x) | 1.8024% | 3,831 |
| Efficiency ratio | 79.9864% | 2,827 |
| Assets per employee ($millions) | 2.9678% | 6,243 |
| Cash dividends to net income (ytd only)* | 171.0383% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7034% | 2,138 |
| Loan loss allowance to noncurrent loans | 84.4006% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 1.7312% | 3,316 |
| Noncurrent loans to loans | 2.0183% | 3,241 |
| Net loans and leases to total assets | 73.3489% | 2,928 |
| Net loans and leases to deposits | 87.0888% | 3,452 |
| Net loans and leases to core deposits | 104.9854% | 4,030 |
| Total domestic deposits to total assets | 84.2231% | 3,591 |
| Equity capital to assets | 9.2595% | 4,994 |
| Core capital (leverage) ratio | 9.4044% | 4,098 |
| Tier 1 risk-based capital ratio | 11.9975% | 4,969 |
| Total risk-based capital ratio | 13.2527% | 4,849 |
| Memoranda: | ||
| Average total assets | $420,637,000 | 1,697 |
| Average earning assets | $388,459,500 | 1,682 |
| Average equity | $39,969,000 | 1,705 |
| Average total loans | $321,057,000 | 1,564 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3584% | 3,651 |
| Cost of funding earning assets | 1.7962% | 7,019 |
| Net interest margin | 4.5622% | 1,281 |
| Noninterest income to average assets | 0.7453% | 2,809 |
| Noninterest expense to average assets | 3.2659% | 3,088 |
| Loan and lease loss provision to assets | 0.4049% | 3,257 |
| Net operating income to assets | 0.8250% | 3,335 |
| Return on assets (ROA) | 0.8250% | 3,172 |
| Pretax return on assets | 1.2595% | 2,445 |
| Return on Equity (ROE) | 8.0979% | 3,031 |
| Retained earnings to average equity (ytd only) | 4.6746% | 2,219 |
| Net charge-offs to loans | 0.3217% | 3,251 |
| Credit loss provision to net charge-offs | 154.8452% | 3,371 |
| Earnings coverage of net charge-offs (x) | 6.3646% | 3,371 |
| Efficiency ratio | 66.2410% | 5,078 |
| Assets per employee ($millions) | 2.6859% | 6,812 |
| Cash dividends to net income (ytd only)* | 42.2736% | 3,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6701% | 1,998 |
| Loan loss allowance to noncurrent loans | 85.5980% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 1.6521% | 2,933 |
| Noncurrent loans to loans | 1.9511% | 2,828 |
| Net loans and leases to total assets | 76.8088% | 2,427 |
| Net loans and leases to deposits | 92.4951% | 3,055 |
| Net loans and leases to core deposits | 107.6510% | 4,007 |
| Total domestic deposits to total assets | 83.0409% | 3,755 |
| Equity capital to assets | 9.7560% | 4,359 |
| Core capital (leverage) ratio | 9.8190% | 3,625 |
| Tier 1 risk-based capital ratio | 12.2171% | 4,654 |
| Total risk-based capital ratio | 13.4720% | 4,540 |
| Memoranda: | ||
| Average total assets | $382,778,400 | 1,767 |
| Average earning assets | $351,127,200 | 1,766 |
| Average equity | $38,998,000 | 1,730 |
| Average total loans | $311,174,000 | 1,555 |