Home > Vermillion State Bank > Performance and Condition Ratios
Vermillion State 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 | 106,946.0000% | 19 |
| Cost of funding earning assets | 0.0000% | 4,397 |
| Net interest margin | 0.0000% | 4,423 |
| Noninterest income to average assets | 0.0000% | 4,395 |
| Noninterest expense to average assets | 0.0000% | 4,437 |
| Loan and lease loss provision to assets | NA | NA |
| Net operating income to assets | NA | NA |
| Return on assets (ROA) | 2.4670% | 224 |
| Pretax return on assets | 2.4670% | 329 |
| Return on Equity (ROE) | 19.6600% | 467 |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,662 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 1.0000% | 1,714 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,314 |
| Efficiency ratio | 0.0000% | 4,454 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.5049% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5,351.0000% | 12 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | NA | NA |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | NA | NA |
| Net loans and leases to deposits | 221.0000% | 14 |
| Net loans and leases to core deposits | 0.0030% | 4,341 |
| Total domestic deposits to total assets | 1.1917% | 4,386 |
| Equity capital to assets | 55,678.0000% | 28 |
| Core capital (leverage) ratio | 0.0000% | 4,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $19,000 | 4,485 |
| Average earning assets | $6,776 | 4,448 |
| Average equity | $0 | 4,424 |
| Average total loans | NA | NA |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1040% | 2,914 |
| Cost of funding earning assets | 2.1778% | 1,796 |
| Net interest margin | 2.9263% | 3,275 |
| Noninterest income to average assets | 0.2200% | 3,583 |
| Noninterest expense to average assets | 1.1097% | 4,390 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.9607% | 417 |
| Return on assets (ROA) | 1.9761% | 407 |
| Pretax return on assets | 1.9761% | 621 |
| Return on Equity (ROE) | 15.9100% | 797 |
| Retained earnings to average equity (ytd only) | -1.6067% | 4,142 |
| Net charge-offs to loans | -0.0175% | 4,144 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 36.1411% | 4,369 |
| Assets per employee ($millions) | 22.2930% | 80 |
| Cash dividends to net income (ytd only)* | 110.0988% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5807% | 833 |
| Loan loss allowance to noncurrent loans | 858.5695% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.1840% | 2,520 |
| Noncurrent loans to loans | 0.1841% | 2,772 |
| Net loans and leases to total assets | 46.7600% | 3,782 |
| Net loans and leases to deposits | 53.5176% | 3,818 |
| Net loans and leases to core deposits | 58.2122% | 3,811 |
| Total domestic deposits to total assets | 87.3700% | 1,753 |
| Equity capital to assets | 12.2174% | 1,102 |
| Core capital (leverage) ratio | 12.3947% | 1,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $844,837,400 | 1,173 |
| Average earning assets | $821,764,600 | 1,114 |
| Average equity | $104,932,400 | 976 |
| Average total loans | $382,569,400 | 1,590 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0276% | 2,988 |
| Cost of funding earning assets | 2.2146% | 1,701 |
| Net interest margin | 2.8130% | 3,432 |
| Noninterest income to average assets | 0.1800% | 3,801 |
| Noninterest expense to average assets | 0.8297% | 4,450 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 2.0846% | 373 |
| Return on assets (ROA) | 2.0848% | 377 |
| Pretax return on assets | 2.0848% | 564 |
| Return on Equity (ROE) | 16.7200% | 724 |
| Retained earnings to average equity (ytd only) | 8.8894% | 1,145 |
| Net charge-offs to loans | -0.0148% | 4,084 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 28.4708% | 4,464 |
| Assets per employee ($millions) | 24.5217% | 69 |
| Cash dividends to net income (ytd only)* | 46.8222% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6542% | 731 |
| Loan loss allowance to noncurrent loans | 756.3246% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.1929% | 2,499 |
| Noncurrent loans to loans | 0.2187% | 2,657 |
| Net loans and leases to total assets | 43.9000% | 3,901 |
| Net loans and leases to deposits | 50.9449% | 3,918 |
| Net loans and leases to core deposits | 55.5376% | 3,911 |
| Total domestic deposits to total assets | 86.1800% | 1,869 |
| Equity capital to assets | 13.3680% | 866 |
| Core capital (leverage) ratio | 13.5044% | 943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $844,263,250 | 1,168 |
| Average earning assets | $820,895,250 | 1,113 |
| Average equity | $105,291,000 | 967 |
| Average total loans | $377,589,500 | 1,589 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9287% | 3,074 |
| Cost of funding earning assets | 2.2108% | 1,626 |
| Net interest margin | 2.7179% | 3,554 |
| Noninterest income to average assets | 0.1700% | 3,865 |
| Noninterest expense to average assets | 0.8235% | 4,476 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.9898% | 438 |
| Return on assets (ROA) | 1.9898% | 439 |
| Pretax return on assets | 1.9898% | 652 |
| Return on Equity (ROE) | 16.3600% | 787 |
| Retained earnings to average equity (ytd only) | 4.8246% | 2,401 |
| Net charge-offs to loans | 0.0176% | 1,824 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 253.1212% | 428 |
| Efficiency ratio | 29.2718% | 4,473 |
| Assets per employee ($millions) | 25.2015% | 64 |
| Cash dividends to net income (ytd only)* | 70.5016% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6383% | 781 |
| Loan loss allowance to noncurrent loans | 3,938.3648% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.1175% | 2,869 |
| Noncurrent loans to loans | 0.0416% | 3,477 |
| Net loans and leases to total assets | 45.2100% | 3,863 |
| Net loans and leases to deposits | 51.9473% | 3,895 |
| Net loans and leases to core deposits | 56.4223% | 3,885 |
| Total domestic deposits to total assets | 87.0200% | 1,654 |
| Equity capital to assets | 12.5375% | 1,000 |
| Core capital (leverage) ratio | 13.2064% | 1,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $839,597,333 | 1,170 |
| Average earning assets | $816,521,000 | 1,122 |
| Average equity | $102,144,000 | 984 |
| Average total loans | $375,738,667 | 1,594 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7696% | 3,200 |
| Cost of funding earning assets | 2.1829% | 1,587 |
| Net interest margin | 2.5867% | 3,735 |
| Noninterest income to average assets | 0.1600% | 3,893 |
| Noninterest expense to average assets | 0.7800% | 4,503 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.8981% | 504 |
| Return on assets (ROA) | 1.8976% | 511 |
| Pretax return on assets | 1.8976% | 722 |
| Return on Equity (ROE) | 15.8400% | 866 |
| Retained earnings to average equity (ytd only) | 3.7514% | 2,779 |
| Net charge-offs to loans | -0.0376% | 4,270 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 29.1254% | 4,470 |
| Assets per employee ($millions) | 24.9566% | 68 |
| Cash dividends to net income (ytd only)* | 76.3118% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7142% | 648 |
| Loan loss allowance to noncurrent loans | 2,763.7555% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.1234% | 2,807 |
| Noncurrent loans to loans | 0.0620% | 3,317 |
| Net loans and leases to total assets | 42.7700% | 3,935 |
| Net loans and leases to deposits | 48.7938% | 3,965 |
| Net loans and leases to core deposits | 53.9515% | 3,974 |
| Total domestic deposits to total assets | 87.6500% | 1,547 |
| Equity capital to assets | 11.9798% | 1,126 |
| Core capital (leverage) ratio | 12.7933% | 1,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $843,572,000 | 1,167 |
| Average earning assets | $820,199,000 | 1,115 |
| Average equity | $101,082,000 | 989 |
| Average total loans | $372,497,500 | 1,602 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1776% | 3,668 |
| Cost of funding earning assets | 1.6323% | 1,607 |
| Net interest margin | 2.5453% | 4,042 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 0.9485% | 4,503 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.7072% | 728 |
| Return on assets (ROA) | 1.1998% | 1,627 |
| Pretax return on assets | 1.1998% | 2,141 |
| Return on Equity (ROE) | 10.6900% | 2,308 |
| Retained earnings to average equity (ytd only) | 1.4672% | 3,718 |
| Net charge-offs to loans | -0.5045% | 4,599 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 35.7156% | 4,442 |
| Assets per employee ($millions) | 24.6652% | 70 |
| Cash dividends to net income (ytd only)* | 86.2737% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6752% | 708 |
| Loan loss allowance to noncurrent loans | 942.3653% | 937 |
| Noncurrent assets plus other real estate owned to assets | 0.1772% | 2,354 |
| Noncurrent loans to loans | 0.1778% | 2,630 |
| Net loans and leases to total assets | 44.0600% | 3,900 |
| Net loans and leases to deposits | 50.2638% | 3,944 |
| Net loans and leases to core deposits | 53.8172% | 3,979 |
| Total domestic deposits to total assets | 87.6600% | 1,466 |
| Equity capital to assets | 11.9854% | 1,127 |
| Core capital (leverage) ratio | 13.0563% | 1,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $808,774,400 | 1,168 |
| Average earning assets | $785,019,800 | 1,121 |
| Average equity | $90,784,600 | 1,023 |
| Average total loans | $357,950,600 | 1,585 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0196% | 3,813 |
| Cost of funding earning assets | 1.5140% | 1,564 |
| Net interest margin | 2.5057% | 4,140 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 0.8509% | 4,534 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.7699% | 702 |
| Return on assets (ROA) | 1.7594% | 704 |
| Pretax return on assets | 1.7594% | 1,069 |
| Return on Equity (ROE) | 15.9600% | 1,264 |
| Retained earnings to average equity (ytd only) | 3.5870% | 3,356 |
| Net charge-offs to loans | 0.0894% | 852 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 44.8819% | 1,377 |
| Efficiency ratio | 32.4678% | 4,496 |
| Assets per employee ($millions) | 23.6632% | 68 |
| Cash dividends to net income (ytd only)* | 77.5203% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1661% | 2,539 |
| Loan loss allowance to noncurrent loans | 2,853.6913% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.1099% | 2,840 |
| Noncurrent loans to loans | 0.0409% | 3,472 |
| Net loans and leases to total assets | 44.7900% | 3,882 |
| Net loans and leases to deposits | 50.7590% | 3,908 |
| Net loans and leases to core deposits | 54.1787% | 3,918 |
| Total domestic deposits to total assets | 88.2500% | 1,496 |
| Equity capital to assets | 11.4038% | 1,211 |
| Core capital (leverage) ratio | 13.2686% | 1,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $801,313,500 | 1,183 |
| Average earning assets | $777,631,000 | 1,134 |
| Average equity | $88,352,750 | 1,043 |
| Average total loans | $353,491,750 | 1,599 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9029% | 3,863 |
| Cost of funding earning assets | 1.3903% | 1,473 |
| Net interest margin | 2.5127% | 4,192 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 0.8495% | 4,571 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.7675% | 695 |
| Return on assets (ROA) | 1.7517% | 716 |
| Pretax return on assets | 1.7517% | 1,111 |
| Return on Equity (ROE) | 16.0700% | 1,257 |
| Retained earnings to average equity (ytd only) | -0.2889% | 4,138 |
| Net charge-offs to loans | 0.2830% | 295 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 14.2869% | 1,878 |
| Efficiency ratio | 32.4611% | 4,526 |
| Assets per employee ($millions) | 23.8905% | 65 |
| Cash dividends to net income (ytd only)* | 101.7977% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1128% | 2,892 |
| Loan loss allowance to noncurrent loans | 8,320.8333% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.0993% | 2,838 |
| Noncurrent loans to loans | 0.0134% | 3,683 |
| Net loans and leases to total assets | 45.0200% | 3,840 |
| Net loans and leases to deposits | 50.8224% | 3,888 |
| Net loans and leases to core deposits | 54.1124% | 3,887 |
| Total domestic deposits to total assets | 88.5800% | 1,385 |
| Equity capital to assets | 11.1481% | 1,321 |
| Core capital (leverage) ratio | 12.9983% | 1,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $800,234,667 | 1,182 |
| Average earning assets | $776,549,000 | 1,133 |
| Average equity | $87,220,667 | 1,047 |
| Average total loans | $349,774,667 | 1,603 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6740% | 4,069 |
| Cost of funding earning assets | 1.2138% | 1,419 |
| Net interest margin | 2.4602% | 4,343 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 0.8346% | 4,640 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7277% | 779 |
| Return on assets (ROA) | 1.6964% | 825 |
| Pretax return on assets | 1.6964% | 1,277 |
| Return on Equity (ROE) | 15.7400% | 1,411 |
| Retained earnings to average equity (ytd only) | -7.2785% | 4,408 |
| Net charge-offs to loans | 0.6779% | 119 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 5.9521% | 1,797 |
| Efficiency ratio | 32.5716% | 4,586 |
| Assets per employee ($millions) | 24.4965% | 69 |
| Cash dividends to net income (ytd only)* | 146.2416% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1270% | 2,921 |
| Loan loss allowance to noncurrent loans | 6,849.1228% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.0980% | 2,849 |
| Noncurrent loans to loans | 0.0165% | 3,682 |
| Net loans and leases to total assets | 42.3700% | 3,937 |
| Net loans and leases to deposits | 47.6293% | 3,974 |
| Net loans and leases to core deposits | 50.3506% | 3,983 |
| Total domestic deposits to total assets | 88.9500% | 1,560 |
| Equity capital to assets | 10.8675% | 1,390 |
| Core capital (leverage) ratio | 12.8422% | 1,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $806,158,000 | 1,192 |
| Average earning assets | $782,694,500 | 1,140 |
| Average equity | $86,886,000 | 1,061 |
| Average total loans | $345,205,000 | 1,636 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8513% | 4,278 |
| Cost of funding earning assets | 0.4075% | 2,030 |
| Net interest margin | 2.4438% | 4,329 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 0.8633% | 4,659 |
| Loan and lease loss provision to assets | -0.1200% | 4,559 |
| Net operating income to assets | 1.9022% | 352 |
| Return on assets (ROA) | 1.8064% | 422 |
| Pretax return on assets | 1.8064% | 722 |
| Return on Equity (ROE) | 16.7200% | 916 |
| Retained earnings to average equity (ytd only) | 10.4361% | 1,024 |
| Net charge-offs to loans | -0.3650% | 4,683 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 32.6662% | 4,634 |
| Assets per employee ($millions) | 25.9333% | 58 |
| Cash dividends to net income (ytd only)* | 37.6019% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3049% | 1,868 |
| Loan loss allowance to noncurrent loans | 274.7246% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 0.2947% | 1,678 |
| Noncurrent loans to loans | 0.4750% | 1,512 |
| Net loans and leases to total assets | 42.2300% | 3,964 |
| Net loans and leases to deposits | 47.3401% | 3,997 |
| Net loans and leases to core deposits | 49.4417% | 3,998 |
| Total domestic deposits to total assets | 89.2100% | 1,662 |
| Equity capital to assets | 10.6876% | 1,380 |
| Core capital (leverage) ratio | 12.8478% | 988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $814,893,400 | 1,167 |
| Average earning assets | $784,717,600 | 1,127 |
| Average equity | $88,012,200 | 1,052 |
| Average total loans | $325,244,200 | 1,621 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6328% | 4,361 |
| Cost of funding earning assets | 0.3091% | 2,065 |
| Net interest margin | 2.3237% | 4,392 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 0.7325% | 4,709 |
| Loan and lease loss provision to assets | -0.1600% | 4,645 |
| Net operating income to assets | 1.9930% | 288 |
| Return on assets (ROA) | 1.9824% | 295 |
| Pretax return on assets | 1.9824% | 480 |
| Return on Equity (ROE) | 18.3100% | 605 |
| Retained earnings to average equity (ytd only) | 12.6847% | 667 |
| Net charge-offs to loans | -0.4891% | 4,728 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 28.5860% | 4,698 |
| Assets per employee ($millions) | 24.5571% | 69 |
| Cash dividends to net income (ytd only)* | 30.7148% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3587% | 1,765 |
| Loan loss allowance to noncurrent loans | 229.8768% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 0.3311% | 1,615 |
| Noncurrent loans to loans | 0.5911% | 1,365 |
| Net loans and leases to total assets | 40.1200% | 4,069 |
| Net loans and leases to deposits | 44.7407% | 4,082 |
| Net loans and leases to core deposits | 46.0973% | 4,102 |
| Total domestic deposits to total assets | 89.6700% | 1,801 |
| Equity capital to assets | 10.2566% | 1,486 |
| Core capital (leverage) ratio | 12.7264% | 987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $817,633,500 | 1,176 |
| Average earning assets | $785,801,500 | 1,136 |
| Average equity | $88,535,000 | 1,061 |
| Average total loans | $320,553,500 | 1,636 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4298% | 4,440 |
| Cost of funding earning assets | 0.2309% | 2,492 |
| Net interest margin | 2.1989% | 4,433 |
| Noninterest income to average assets | 0.3834% | 2,849 |
| Noninterest expense to average assets | 0.7265% | 4,733 |
| Loan and lease loss provision to assets | -0.2439% | 4,705 |
| Net operating income to assets | 2.0050% | 227 |
| Return on assets (ROA) | 2.0050% | 228 |
| Pretax return on assets | 2.0050% | 376 |
| Return on Equity (ROE) | 18.2000% | 451 |
| Retained earnings to average equity (ytd only) | 10.6530% | 858 |
| Net charge-offs to loans | -0.7413% | 4,710 |
| Credit loss provision to net charge-offs | 84.9618% | 1,365 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.2059% | 4,723 |
| Assets per employee ($millions) | 23.4863% | 69 |
| Cash dividends to net income (ytd only)* | 41.4670% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3791% | 1,840 |
| Loan loss allowance to noncurrent loans | 315.4930% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.2699% | 1,964 |
| Noncurrent loans to loans | 0.4371% | 1,813 |
| Net loans and leases to total assets | 40.1188% | 4,067 |
| Net loans and leases to deposits | 45.0418% | 4,066 |
| Net loans and leases to core deposits | 46.3196% | 4,113 |
| Total domestic deposits to total assets | 89.0701% | 2,151 |
| Equity capital to assets | 10.8546% | 1,282 |
| Core capital (leverage) ratio | 12.3510% | 1,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $820,050,333 | 1,171 |
| Average earning assets | $784,766,000 | 1,142 |
| Average equity | $90,340,667 | 1,047 |
| Average total loans | $317,545,667 | 1,641 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2966% | 4,458 |
| Cost of funding earning assets | 0.2325% | 2,357 |
| Net interest margin | 2.0641% | 4,474 |
| Noninterest income to average assets | 0.3332% | 3,103 |
| Noninterest expense to average assets | 0.7636% | 4,756 |
| Loan and lease loss provision to assets | -0.4815% | 4,756 |
| Net operating income to assets | 2.0130% | 218 |
| Return on assets (ROA) | 2.0130% | 215 |
| Pretax return on assets | 2.0130% | 342 |
| Return on Equity (ROE) | 18.1443% | 327 |
| Retained earnings to average equity (ytd only) | 12.4637% | 534 |
| Net charge-offs to loans | -1.7165% | 4,752 |
| Credit loss provision to net charge-offs | 74.2390% | 1,124 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.2704% | 4,719 |
| Assets per employee ($millions) | 24.3301% | 67 |
| Cash dividends to net income (ytd only)* | 31.3083% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4733% | 1,639 |
| Loan loss allowance to noncurrent loans | 282.3315% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.2880% | 1,965 |
| Noncurrent loans to loans | 0.5218% | 1,723 |
| Net loans and leases to total assets | 37.5909% | 4,134 |
| Net loans and leases to deposits | 42.1526% | 4,156 |
| Net loans and leases to core deposits | 43.7818% | 4,171 |
| Total domestic deposits to total assets | 89.1781% | 1,988 |
| Equity capital to assets | 10.7312% | 1,476 |
| Core capital (leverage) ratio | 11.9644% | 1,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $830,808,500 | 1,155 |
| Average earning assets | $789,673,500 | 1,141 |
| Average equity | $92,172,000 | 1,061 |
| Average total loans | $313,897,500 | 1,643 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9493% | 3,967 |
| Cost of funding earning assets | 0.2933% | 2,464 |
| Net interest margin | 2.6560% | 3,952 |
| Noninterest income to average assets | 0.3488% | 3,346 |
| Noninterest expense to average assets | 1.0002% | 4,759 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.8910% | 418 |
| Return on assets (ROA) | 1.8924% | 442 |
| Pretax return on assets | 1.8924% | 734 |
| Return on Equity (ROE) | 15.4738% | 843 |
| Retained earnings to average equity (ytd only) | 10.2538% | 854 |
| Net charge-offs to loans | -0.0277% | 4,091 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.5941% | 4,765 |
| Assets per employee ($millions) | 24.5410% | 69 |
| Cash dividends to net income (ytd only)* | 33.7346% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3780% | 2,009 |
| Loan loss allowance to noncurrent loans | 274.0127% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.2762% | 2,165 |
| Noncurrent loans to loans | 0.5029% | 1,866 |
| Net loans and leases to total assets | 36.8990% | 4,245 |
| Net loans and leases to deposits | 41.7151% | 4,285 |
| Net loans and leases to core deposits | 43.2140% | 4,294 |
| Total domestic deposits to total assets | 88.4547% | 1,811 |
| Equity capital to assets | 11.4542% | 1,533 |
| Core capital (leverage) ratio | 12.0701% | 1,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $768,168,800 | 1,199 |
| Average earning assets | $735,318,000 | 1,172 |
| Average equity | $93,945,600 | 1,064 |
| Average total loans | $328,353,800 | 1,594 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6754% | 4,434 |
| Cost of funding earning assets | 0.3117% | 2,481 |
| Net interest margin | 2.3637% | 4,435 |
| Noninterest income to average assets | 0.3697% | 3,248 |
| Noninterest expense to average assets | 0.7692% | 4,874 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.8616% | 594 |
| Return on assets (ROA) | 1.8621% | 617 |
| Pretax return on assets | 1.8621% | 1,015 |
| Return on Equity (ROE) | 14.9624% | 1,145 |
| Retained earnings to average equity (ytd only) | 12.6362% | 698 |
| Net charge-offs to loans | -0.0325% | 4,166 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.2380% | 4,865 |
| Assets per employee ($millions) | 21.1419% | 90 |
| Cash dividends to net income (ytd only)* | 15.5473% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3498% | 2,227 |
| Loan loss allowance to noncurrent loans | 60.6986% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 0.9979% | 667 |
| Noncurrent loans to loans | 2.2237% | 370 |
| Net loans and leases to total assets | 40.1011% | 4,201 |
| Net loans and leases to deposits | 45.8500% | 4,237 |
| Net loans and leases to core deposits | 47.6392% | 4,256 |
| Total domestic deposits to total assets | 87.4616% | 2,129 |
| Equity capital to assets | 12.4354% | 1,206 |
| Core capital (leverage) ratio | 12.3379% | 1,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $751,612,250 | 1,233 |
| Average earning assets | $718,981,000 | 1,205 |
| Average equity | $93,538,750 | 1,079 |
| Average total loans | $332,396,000 | 1,613 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7261% | 4,429 |
| Cost of funding earning assets | 0.3351% | 2,447 |
| Net interest margin | 2.3909% | 4,431 |
| Noninterest income to average assets | 0.3448% | 3,383 |
| Noninterest expense to average assets | 0.7739% | 4,910 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.8592% | 636 |
| Return on assets (ROA) | 1.8600% | 664 |
| Pretax return on assets | 1.8600% | 1,096 |
| Return on Equity (ROE) | 14.9415% | 1,175 |
| Retained earnings to average equity (ytd only) | 11.4050% | 1,031 |
| Net charge-offs to loans | -0.0463% | 4,337 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.3925% | 4,899 |
| Assets per employee ($millions) | 20.6616% | 87 |
| Cash dividends to net income (ytd only)* | 23.6693% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3120% | 2,382 |
| Loan loss allowance to noncurrent loans | 207.2499% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 0.3668% | 2,138 |
| Noncurrent loans to loans | 0.6331% | 1,827 |
| Net loans and leases to total assets | 42.1907% | 4,167 |
| Net loans and leases to deposits | 48.1610% | 4,205 |
| Net loans and leases to core deposits | 49.6797% | 4,247 |
| Total domestic deposits to total assets | 87.6036% | 2,038 |
| Equity capital to assets | 12.3017% | 1,217 |
| Core capital (leverage) ratio | 12.1943% | 1,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $741,399,667 | 1,238 |
| Average earning assets | $709,595,667 | 1,211 |
| Average equity | $92,293,000 | 1,086 |
| Average total loans | $337,200,333 | 1,606 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7829% | 4,390 |
| Cost of funding earning assets | 0.3660% | 2,394 |
| Net interest margin | 2.4169% | 4,397 |
| Noninterest income to average assets | 0.2225% | 4,049 |
| Noninterest expense to average assets | 0.7601% | 4,945 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.7784% | 818 |
| Return on assets (ROA) | 1.7801% | 867 |
| Pretax return on assets | 1.7801% | 1,329 |
| Return on Equity (ROE) | 14.2117% | 1,393 |
| Retained earnings to average equity (ytd only) | 14.2117% | 735 |
| Net charge-offs to loans | -0.0058% | 3,452 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.9439% | 4,909 |
| Assets per employee ($millions) | 19.7773% | 96 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2194% | 2,821 |
| Loan loss allowance to noncurrent loans | 208.0414% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 0.3221% | 2,535 |
| Noncurrent loans to loans | 0.5861% | 2,105 |
| Net loans and leases to total assets | 45.4558% | 4,005 |
| Net loans and leases to deposits | 51.8807% | 4,053 |
| Net loans and leases to core deposits | 53.5572% | 4,114 |
| Total domestic deposits to total assets | 87.6160% | 2,038 |
| Equity capital to assets | 12.2634% | 1,168 |
| Core capital (leverage) ratio | 12.4264% | 1,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $729,860,500 | 1,242 |
| Average earning assets | $699,414,000 | 1,215 |
| Average equity | $91,417,500 | 1,090 |
| Average total loans | $342,387,000 | 1,587 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5376% | 3,943 |
| Cost of funding earning assets | 0.5170% | 2,831 |
| Net interest margin | 3.0207% | 3,843 |
| Noninterest income to average assets | 0.5574% | 2,387 |
| Noninterest expense to average assets | 1.3122% | 4,869 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 2.1519% | 198 |
| Return on assets (ROA) | 2.1535% | 209 |
| Pretax return on assets | 2.1535% | 326 |
| Return on Equity (ROE) | 14.3029% | 744 |
| Retained earnings to average equity (ytd only) | -7.6589% | 4,880 |
| Net charge-offs to loans | -0.0224% | 4,459 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.8806% | 4,913 |
| Assets per employee ($millions) | 19.1401% | 104 |
| Cash dividends to net income (ytd only)* | 153.5480% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2424% | 2,735 |
| Loan loss allowance to noncurrent loans | 195.9516% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 0.3591% | 2,549 |
| Noncurrent loans to loans | 0.6340% | 2,104 |
| Net loans and leases to total assets | 47.2658% | 4,027 |
| Net loans and leases to deposits | 54.2895% | 4,099 |
| Net loans and leases to core deposits | 56.1787% | 4,144 |
| Total domestic deposits to total assets | 87.0624% | 1,913 |
| Equity capital to assets | 12.8033% | 1,182 |
| Core capital (leverage) ratio | 12.0962% | 1,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $658,961,200 | 1,238 |
| Average earning assets | $634,097,200 | 1,205 |
| Average equity | $99,217,600 | 965 |
| Average total loans | $339,258,400 | 1,540 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5887% | 4,040 |
| Cost of funding earning assets | 0.5551% | 2,899 |
| Net interest margin | 3.0335% | 3,899 |
| Noninterest income to average assets | 0.4777% | 2,705 |
| Noninterest expense to average assets | 0.9315% | 4,984 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 2.4724% | 148 |
| Return on assets (ROA) | 2.4740% | 156 |
| Pretax return on assets | 2.4740% | 221 |
| Return on Equity (ROE) | 15.7845% | 573 |
| Retained earnings to average equity (ytd only) | 8.5625% | 1,123 |
| Net charge-offs to loans | -0.0358% | 4,587 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.3669% | 5,003 |
| Assets per employee ($millions) | 18.2337% | 107 |
| Cash dividends to net income (ytd only)* | 45.7538% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1915% | 2,710 |
| Loan loss allowance to noncurrent loans | 185.1884% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.3862% | 2,624 |
| Noncurrent loans to loans | 0.6434% | 2,185 |
| Net loans and leases to total assets | 50.5774% | 4,067 |
| Net loans and leases to deposits | 59.7482% | 4,071 |
| Net loans and leases to core deposits | 61.9061% | 4,116 |
| Total domestic deposits to total assets | 84.6509% | 2,572 |
| Equity capital to assets | 15.2006% | 589 |
| Core capital (leverage) ratio | 14.7000% | 587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $646,655,250 | 1,242 |
| Average earning assets | $623,764,250 | 1,207 |
| Average equity | $101,354,250 | 944 |
| Average total loans | $339,338,000 | 1,534 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7130% | 4,058 |
| Cost of funding earning assets | 0.6067% | 2,931 |
| Net interest margin | 3.1063% | 3,889 |
| Noninterest income to average assets | 0.3850% | 3,174 |
| Noninterest expense to average assets | 0.9755% | 5,011 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.4041% | 162 |
| Return on assets (ROA) | 2.4067% | 174 |
| Pretax return on assets | 2.4067% | 247 |
| Return on Equity (ROE) | 15.1872% | 685 |
| Retained earnings to average equity (ytd only) | 6.8098% | 1,735 |
| Net charge-offs to loans | -0.0078% | 4,136 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.8647% | 5,023 |
| Assets per employee ($millions) | 17.9180% | 103 |
| Cash dividends to net income (ytd only)* | 55.1606% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1381% | 2,837 |
| Loan loss allowance to noncurrent loans | 156.1159% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.4481% | 2,526 |
| Noncurrent loans to loans | 0.7290% | 2,055 |
| Net loans and leases to total assets | 52.9180% | 3,960 |
| Net loans and leases to deposits | 62.4218% | 3,978 |
| Net loans and leases to core deposits | 64.6209% | 4,042 |
| Total domestic deposits to total assets | 84.7750% | 2,481 |
| Equity capital to assets | 15.0827% | 605 |
| Core capital (leverage) ratio | 14.9552% | 580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $631,246,667 | 1,249 |
| Average earning assets | $608,567,333 | 1,209 |
| Average equity | $100,031,667 | 946 |
| Average total loans | $334,228,333 | 1,534 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8815% | 4,072 |
| Cost of funding earning assets | 0.6659% | 3,082 |
| Net interest margin | 3.2155% | 3,819 |
| Noninterest income to average assets | 0.2816% | 3,843 |
| Noninterest expense to average assets | 1.0910% | 5,046 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.2961% | 154 |
| Return on assets (ROA) | 2.2987% | 168 |
| Pretax return on assets | 2.2987% | 233 |
| Return on Equity (ROE) | 14.1237% | 674 |
| Retained earnings to average equity (ytd only) | 9.9899% | 747 |
| Net charge-offs to loans | -0.0100% | 4,082 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.2103% | 5,054 |
| Assets per employee ($millions) | 16.1850% | 111 |
| Cash dividends to net income (ytd only)* | 29.2683% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2861% | 2,201 |
| Loan loss allowance to noncurrent loans | 188.4895% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 0.4214% | 2,782 |
| Noncurrent loans to loans | 0.6823% | 2,288 |
| Net loans and leases to total assets | 51.7031% | 4,135 |
| Net loans and leases to deposits | 62.0534% | 4,094 |
| Net loans and leases to core deposits | 64.4315% | 4,151 |
| Total domestic deposits to total assets | 83.3204% | 3,008 |
| Equity capital to assets | 16.4917% | 508 |
| Core capital (leverage) ratio | 16.2821% | 478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $606,427,500 | 1,252 |
| Average earning assets | $585,655,500 | 1,218 |
| Average equity | $98,699,500 | 954 |
| Average total loans | $319,113,000 | 1,566 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1700% | 3,883 |
| Cost of funding earning assets | 0.7565% | 2,881 |
| Net interest margin | 3.4136% | 3,702 |
| Noninterest income to average assets | 0.3225% | 3,761 |
| Noninterest expense to average assets | 1.2169% | 5,090 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.3902% | 156 |
| Return on assets (ROA) | 2.3905% | 166 |
| Pretax return on assets | 2.3905% | 254 |
| Return on Equity (ROE) | 15.1377% | 663 |
| Retained earnings to average equity (ytd only) | 8.3549% | 872 |
| Net charge-offs to loans | 0.0582% | 2,268 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 75.7459% | 832 |
| Efficiency ratio | 33.7361% | 5,120 |
| Assets per employee ($millions) | 15.7322% | 108 |
| Cash dividends to net income (ytd only)* | 44.8075% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3082% | 1,884 |
| Loan loss allowance to noncurrent loans | 140.9819% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 0.5565% | 2,223 |
| Noncurrent loans to loans | 0.9279% | 1,651 |
| Net loans and leases to total assets | 52.1822% | 4,213 |
| Net loans and leases to deposits | 62.2984% | 4,178 |
| Net loans and leases to core deposits | 64.6477% | 4,251 |
| Total domestic deposits to total assets | 83.7618% | 2,926 |
| Equity capital to assets | 16.0532% | 591 |
| Core capital (leverage) ratio | 16.0277% | 519 |
| Tier 1 risk-based capital ratio | 26.8534% | 626 |
| Total risk-based capital ratio | 28.0240% | 617 |
| Memoranda: | ||
| Average total assets | $573,594,600 | 1,268 |
| Average earning assets | $551,916,600 | 1,230 |
| Average equity | $90,582,000 | 969 |
| Average total loans | $310,788,800 | 1,561 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1959% | 3,928 |
| Cost of funding earning assets | 0.7634% | 2,903 |
| Net interest margin | 3.4325% | 3,778 |
| Noninterest income to average assets | 0.3035% | 3,924 |
| Noninterest expense to average assets | 0.9646% | 5,205 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.6396% | 133 |
| Return on assets (ROA) | 2.6401% | 138 |
| Pretax return on assets | 2.6401% | 188 |
| Return on Equity (ROE) | 16.7912% | 505 |
| Retained earnings to average equity (ytd only) | 7.6112% | 1,576 |
| Net charge-offs to loans | 0.0698% | 1,829 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 69.3595% | 960 |
| Efficiency ratio | 26.7631% | 5,223 |
| Assets per employee ($millions) | 15.5771% | 111 |
| Cash dividends to net income (ytd only)* | 54.6717% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3284% | 1,846 |
| Loan loss allowance to noncurrent loans | 153.2841% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 0.5244% | 2,432 |
| Noncurrent loans to loans | 0.8666% | 1,848 |
| Net loans and leases to total assets | 52.1255% | 4,310 |
| Net loans and leases to deposits | 62.0984% | 4,287 |
| Net loans and leases to core deposits | 64.7774% | 4,335 |
| Total domestic deposits to total assets | 83.9402% | 2,844 |
| Equity capital to assets | 15.8823% | 659 |
| Core capital (leverage) ratio | 16.0084% | 558 |
| Tier 1 risk-based capital ratio | 26.5254% | 676 |
| Total risk-based capital ratio | 27.7181% | 662 |
| Memoranda: | ||
| Average total assets | $567,537,250 | 1,281 |
| Average earning assets | $545,754,500 | 1,243 |
| Average equity | $89,235,000 | 984 |
| Average total loans | $309,462,750 | 1,578 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1647% | 4,008 |
| Cost of funding earning assets | 0.7592% | 2,847 |
| Net interest margin | 3.4055% | 3,878 |
| Noninterest income to average assets | 0.2782% | 4,074 |
| Noninterest expense to average assets | 0.9925% | 5,252 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.5602% | 141 |
| Return on assets (ROA) | 2.5595% | 145 |
| Pretax return on assets | 2.5595% | 216 |
| Return on Equity (ROE) | 16.3368% | 539 |
| Retained earnings to average equity (ytd only) | 4.6439% | 2,953 |
| Net charge-offs to loans | -0.0195% | 4,539 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.9360% | 5,265 |
| Assets per employee ($millions) | 15.1704% | 100 |
| Cash dividends to net income (ytd only)* | 71.5742% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3868% | 1,667 |
| Loan loss allowance to noncurrent loans | 141.3333% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 0.6435% | 2,109 |
| Noncurrent loans to loans | 0.9812% | 1,665 |
| Net loans and leases to total assets | 55.0589% | 4,136 |
| Net loans and leases to deposits | 65.8443% | 4,110 |
| Net loans and leases to core deposits | 68.7983% | 4,169 |
| Total domestic deposits to total assets | 83.6197% | 3,003 |
| Equity capital to assets | 16.1841% | 587 |
| Core capital (leverage) ratio | 15.9818% | 544 |
| Tier 1 risk-based capital ratio | 25.7830% | 701 |
| Total risk-based capital ratio | 27.0329% | 687 |
| Memoranda: | ||
| Average total assets | $559,406,000 | 1,299 |
| Average earning assets | $537,902,000 | 1,258 |
| Average equity | $87,642,670 | 995 |
| Average total loans | $308,383,330 | 1,581 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0516% | 4,258 |
| Cost of funding earning assets | 0.7064% | 3,018 |
| Net interest margin | 3.3452% | 4,043 |
| Noninterest income to average assets | 0.2378% | 4,307 |
| Noninterest expense to average assets | 1.0185% | 5,317 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.4381% | 180 |
| Return on assets (ROA) | 2.4360% | 189 |
| Pretax return on assets | 2.4360% | 276 |
| Return on Equity (ROE) | 15.8107% | 613 |
| Retained earnings to average equity (ytd only) | -3.8074% | 4,852 |
| Net charge-offs to loans | -0.0131% | 4,331 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.4654% | 5,318 |
| Assets per employee ($millions) | 14.7393% | 110 |
| Cash dividends to net income (ytd only)* | 124.0812% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4125% | 1,632 |
| Loan loss allowance to noncurrent loans | 147.9986% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 0.6303% | 2,199 |
| Noncurrent loans to loans | 0.9544% | 1,753 |
| Net loans and leases to total assets | 53.9083% | 4,213 |
| Net loans and leases to deposits | 63.8735% | 4,186 |
| Net loans and leases to core deposits | 66.7157% | 4,249 |
| Total domestic deposits to total assets | 84.3985% | 2,901 |
| Equity capital to assets | 15.3993% | 669 |
| Core capital (leverage) ratio | 15.7164% | 571 |
| Tier 1 risk-based capital ratio | 25.6215% | 712 |
| Total risk-based capital ratio | 26.8719% | 698 |
| Memoranda: | ||
| Average total assets | $558,457,500 | 1,303 |
| Average earning assets | $537,374,500 | 1,261 |
| Average equity | $86,043,000 | 1,001 |
| Average total loans | $305,878,500 | 1,604 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9797% | 4,079 |
| Cost of funding earning assets | 0.6018% | 2,701 |
| Net interest margin | 3.3779% | 4,060 |
| Noninterest income to average assets | 0.2967% | 4,125 |
| Noninterest expense to average assets | 1.1536% | 5,326 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 2.3877% | 175 |
| Return on assets (ROA) | 2.3752% | 176 |
| Pretax return on assets | 2.3752% | 253 |
| Return on Equity (ROE) | 15.8436% | 663 |
| Retained earnings to average equity (ytd only) | 7.9873% | 1,242 |
| Net charge-offs to loans | 0.4509% | 402 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 9.6064% | 2,795 |
| Efficiency ratio | 32.5748% | 5,352 |
| Assets per employee ($millions) | 13.9206% | 125 |
| Cash dividends to net income (ytd only)* | 49.5865% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4128% | 1,591 |
| Loan loss allowance to noncurrent loans | 146.0081% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 0.6399% | 2,122 |
| Noncurrent loans to loans | 0.9676% | 1,675 |
| Net loans and leases to total assets | 54.0888% | 4,273 |
| Net loans and leases to deposits | 64.0696% | 4,254 |
| Net loans and leases to core deposits | 66.8010% | 4,307 |
| Total domestic deposits to total assets | 84.4220% | 2,861 |
| Equity capital to assets | 15.4153% | 626 |
| Core capital (leverage) ratio | 15.9592% | 516 |
| Tier 1 risk-based capital ratio | 25.4583% | 711 |
| Total risk-based capital ratio | 26.7083% | 695 |
| Memoranda: | ||
| Average total assets | $544,746,600 | 1,305 |
| Average earning assets | $523,251,800 | 1,258 |
| Average equity | $81,666,800 | 1,010 |
| Average total loans | $300,312,800 | 1,596 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9344% | 4,121 |
| Cost of funding earning assets | 0.5713% | 2,695 |
| Net interest margin | 3.3632% | 4,123 |
| Noninterest income to average assets | 0.3005% | 4,138 |
| Noninterest expense to average assets | 0.9709% | 5,427 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.5606% | 146 |
| Return on assets (ROA) | 2.5441% | 145 |
| Pretax return on assets | 2.5441% | 209 |
| Return on Equity (ROE) | 17.0945% | 537 |
| Retained earnings to average equity (ytd only) | 6.4842% | 2,393 |
| Net charge-offs to loans | 0.6162% | 237 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 7.5282% | 2,798 |
| Efficiency ratio | 27.4932% | 5,442 |
| Assets per employee ($millions) | 13.6573% | 132 |
| Cash dividends to net income (ytd only)* | 62.0683% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3954% | 1,718 |
| Loan loss allowance to noncurrent loans | 151.3056% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 0.6301% | 2,291 |
| Noncurrent loans to loans | 0.9222% | 1,851 |
| Net loans and leases to total assets | 55.4677% | 4,258 |
| Net loans and leases to deposits | 65.4862% | 4,239 |
| Net loans and leases to core deposits | 68.1531% | 4,290 |
| Total domestic deposits to total assets | 84.7014% | 2,721 |
| Equity capital to assets | 15.1439% | 688 |
| Core capital (leverage) ratio | 15.5688% | 584 |
| Tier 1 risk-based capital ratio | 24.5849% | 792 |
| Total risk-based capital ratio | 25.8315% | 772 |
| Memoranda: | ||
| Average total assets | $541,727,500 | 1,309 |
| Average earning assets | $520,450,750 | 1,267 |
| Average equity | $80,624,500 | 1,019 |
| Average total loans | $299,017,250 | 1,608 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8911% | 4,098 |
| Cost of funding earning assets | 0.5411% | 2,681 |
| Net interest margin | 3.3501% | 4,108 |
| Noninterest income to average assets | 0.2795% | 4,315 |
| Noninterest expense to average assets | 0.9781% | 5,490 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.5198% | 146 |
| Return on assets (ROA) | 2.4990% | 151 |
| Pretax return on assets | 2.4990% | 227 |
| Return on Equity (ROE) | 16.8913% | 539 |
| Retained earnings to average equity (ytd only) | 3.8888% | 3,662 |
| Net charge-offs to loans | -0.0513% | 4,931 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.9636% | 5,501 |
| Assets per employee ($millions) | 13.1945% | 143 |
| Cash dividends to net income (ytd only)* | 76.9778% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9099% | 622 |
| Loan loss allowance to noncurrent loans | 333.2947% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.4348% | 2,987 |
| Noncurrent loans to loans | 0.5730% | 2,701 |
| Net loans and leases to total assets | 54.5516% | 4,289 |
| Net loans and leases to deposits | 64.1982% | 4,267 |
| Net loans and leases to core deposits | 66.6373% | 4,337 |
| Total domestic deposits to total assets | 84.9738% | 2,689 |
| Equity capital to assets | 14.8961% | 706 |
| Core capital (leverage) ratio | 15.3446% | 604 |
| Tier 1 risk-based capital ratio | 24.3366% | 805 |
| Total risk-based capital ratio | 25.5922% | 781 |
| Memoranda: | ||
| Average total assets | $540,206,330 | 1,316 |
| Average earning assets | $518,976,670 | 1,277 |
| Average equity | $79,922,670 | 1,023 |
| Average total loans | $296,255,330 | 1,626 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8242% | 4,153 |
| Cost of funding earning assets | 0.5036% | 2,770 |
| Net interest margin | 3.3206% | 4,132 |
| Noninterest income to average assets | 0.2564% | 4,464 |
| Noninterest expense to average assets | 0.9322% | 5,565 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.5149% | 140 |
| Return on assets (ROA) | 2.5008% | 144 |
| Pretax return on assets | 2.5008% | 212 |
| Return on Equity (ROE) | 16.9615% | 515 |
| Retained earnings to average equity (ytd only) | 1.8846% | 4,389 |
| Net charge-offs to loans | -0.2041% | 5,384 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.0421% | 5,575 |
| Assets per employee ($millions) | 13.8347% | 129 |
| Cash dividends to net income (ytd only)* | 88.8889% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9664% | 584 |
| Loan loss allowance to noncurrent loans | 347.2554% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 0.3540% | 3,426 |
| Noncurrent loans to loans | 0.5663% | 2,842 |
| Net loans and leases to total assets | 53.7766% | 4,307 |
| Net loans and leases to deposits | 63.1707% | 4,265 |
| Net loans and leases to core deposits | 64.5210% | 4,391 |
| Total domestic deposits to total assets | 85.1290% | 2,892 |
| Equity capital to assets | 14.7557% | 729 |
| Core capital (leverage) ratio | 15.2468% | 605 |
| Tier 1 risk-based capital ratio | 24.4087% | 804 |
| Total risk-based capital ratio | 25.6650% | 782 |
| Memoranda: | ||
| Average total assets | $539,822,500 | 1,327 |
| Average earning assets | $518,697,000 | 1,287 |
| Average equity | $79,592,000 | 1,033 |
| Average total loans | $293,955,000 | 1,640 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7449% | 4,231 |
| Cost of funding earning assets | 0.3393% | 3,807 |
| Net interest margin | 3.4055% | 3,836 |
| Noninterest income to average assets | 0.2992% | 4,310 |
| Noninterest expense to average assets | 1.0193% | 5,612 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 2.5561% | 113 |
| Return on assets (ROA) | 2.5586% | 111 |
| Pretax return on assets | 2.5586% | 164 |
| Return on Equity (ROE) | 17.5684% | 341 |
| Retained earnings to average equity (ytd only) | 5.1688% | 2,020 |
| Net charge-offs to loans | 0.0650% | 2,542 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 73.5676% | 817 |
| Efficiency ratio | 28.5076% | 5,631 |
| Assets per employee ($millions) | 13.5023% | 131 |
| Cash dividends to net income (ytd only)* | 70.5792% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9422% | 597 |
| Loan loss allowance to noncurrent loans | 375.0000% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.3401% | 3,501 |
| Noncurrent loans to loans | 0.5179% | 2,963 |
| Net loans and leases to total assets | 53.0034% | 4,441 |
| Net loans and leases to deposits | 62.2375% | 4,426 |
| Net loans and leases to core deposits | 63.5619% | 4,563 |
| Total domestic deposits to total assets | 85.1631% | 2,772 |
| Equity capital to assets | 14.7325% | 733 |
| Core capital (leverage) ratio | 14.8877% | 641 |
| Tier 1 risk-based capital ratio | 24.1439% | 805 |
| Total risk-based capital ratio | 25.3998% | 788 |
| Memoranda: | ||
| Average total assets | $532,449,000 | 1,326 |
| Average earning assets | $512,223,000 | 1,274 |
| Average equity | $77,542,800 | 1,039 |
| Average total loans | $284,627,000 | 1,633 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7082% | 4,303 |
| Cost of funding earning assets | 0.3235% | 3,909 |
| Net interest margin | 3.3847% | 3,903 |
| Noninterest income to average assets | 0.3036% | 4,363 |
| Noninterest expense to average assets | 1.0073% | 5,676 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.5546% | 129 |
| Return on assets (ROA) | 2.5609% | 125 |
| Pretax return on assets | 2.5609% | 191 |
| Return on Equity (ROE) | 17.6363% | 363 |
| Retained earnings to average equity (ytd only) | 3.4978% | 3,834 |
| Net charge-offs to loans | 0.1032% | 1,753 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 46.4159% | 1,173 |
| Efficiency ratio | 28.2791% | 5,699 |
| Assets per employee ($millions) | 11.0881% | 226 |
| Cash dividends to net income (ytd only)* | 80.1668% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9492% | 631 |
| Loan loss allowance to noncurrent loans | 290.8153% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 0.4252% | 3,322 |
| Noncurrent loans to loans | 0.6703% | 2,695 |
| Net loans and leases to total assets | 53.2678% | 4,475 |
| Net loans and leases to deposits | 62.6914% | 4,463 |
| Net loans and leases to core deposits | 64.1635% | 4,598 |
| Total domestic deposits to total assets | 84.9683% | 2,723 |
| Equity capital to assets | 14.9250% | 745 |
| Core capital (leverage) ratio | 14.6717% | 729 |
| Tier 1 risk-based capital ratio | 23.3098% | 920 |
| Total risk-based capital ratio | 24.5653% | 902 |
| Memoranda: | ||
| Average total assets | $530,538,250 | 1,334 |
| Average earning assets | $510,714,250 | 1,286 |
| Average equity | $77,036,250 | 1,053 |
| Average total loans | $282,799,500 | 1,653 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6455% | 4,378 |
| Cost of funding earning assets | 0.3195% | 3,883 |
| Net interest margin | 3.3260% | 4,029 |
| Noninterest income to average assets | 0.3094% | 4,327 |
| Noninterest expense to average assets | 1.0321% | 5,727 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.4794% | 135 |
| Return on assets (ROA) | 2.4805% | 134 |
| Pretax return on assets | 2.4805% | 221 |
| Return on Equity (ROE) | 17.2437% | 390 |
| Retained earnings to average equity (ytd only) | -0.3935% | 5,144 |
| Net charge-offs to loans | 0.1446% | 1,283 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 32.3645% | 1,416 |
| Efficiency ratio | 29.3928% | 5,743 |
| Assets per employee ($millions) | 12.8961% | 138 |
| Cash dividends to net income (ytd only)* | 102.2821% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9984% | 603 |
| Loan loss allowance to noncurrent loans | 304.1981% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.4242% | 3,421 |
| Noncurrent loans to loans | 0.6569% | 2,777 |
| Net loans and leases to total assets | 52.4215% | 4,529 |
| Net loans and leases to deposits | 61.4931% | 4,533 |
| Net loans and leases to core deposits | 63.2459% | 4,654 |
| Total domestic deposits to total assets | 85.2478% | 2,716 |
| Equity capital to assets | 14.6353% | 786 |
| Core capital (leverage) ratio | 14.2599% | 791 |
| Tier 1 risk-based capital ratio | 23.1161% | 935 |
| Total risk-based capital ratio | 24.3719% | 926 |
| Memoranda: | ||
| Average total assets | $529,975,000 | 1,343 |
| Average earning assets | $510,223,000 | 1,296 |
| Average equity | $76,236,670 | 1,066 |
| Average total loans | $280,685,330 | 1,660 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5694% | 4,497 |
| Cost of funding earning assets | 0.3164% | 3,889 |
| Net interest margin | 3.2531% | 4,161 |
| Noninterest income to average assets | 0.2691% | 4,616 |
| Noninterest expense to average assets | 1.1105% | 5,789 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.2903% | 195 |
| Return on assets (ROA) | 2.2903% | 199 |
| Pretax return on assets | 2.2903% | 310 |
| Return on Equity (ROE) | 16.0606% | 522 |
| Retained earnings to average equity (ytd only) | 0.2009% | 4,870 |
| Net charge-offs to loans | -0.0558% | 5,235 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.6535% | 5,785 |
| Assets per employee ($millions) | 13.3577% | 123 |
| Cash dividends to net income (ytd only)* | 98.7492% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1089% | 540 |
| Loan loss allowance to noncurrent loans | 260.3357% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 0.4518% | 3,389 |
| Noncurrent loans to loans | 0.8101% | 2,427 |
| Net loans and leases to total assets | 51.2037% | 4,576 |
| Net loans and leases to deposits | 59.7861% | 4,577 |
| Net loans and leases to core deposits | 61.6576% | 4,681 |
| Total domestic deposits to total assets | 85.6448% | 2,816 |
| Equity capital to assets | 14.2367% | 838 |
| Core capital (leverage) ratio | 14.3160% | 759 |
| Tier 1 risk-based capital ratio | 23.1927% | 950 |
| Total risk-based capital ratio | 24.4496% | 938 |
| Memoranda: | ||
| Average total assets | $530,592,000 | 1,345 |
| Average earning assets | $510,781,500 | 1,290 |
| Average equity | $75,663,500 | 1,069 |
| Average total loans | $279,615,000 | 1,676 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6107% | 4,479 |
| Cost of funding earning assets | 0.3502% | 3,517 |
| Net interest margin | 3.2605% | 4,267 |
| Noninterest income to average assets | 0.3676% | 4,112 |
| Noninterest expense to average assets | 0.9853% | 5,859 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 2.5376% | 138 |
| Return on assets (ROA) | 2.4142% | 166 |
| Pretax return on assets | 2.4142% | 227 |
| Return on Equity (ROE) | 16.9726% | 409 |
| Retained earnings to average equity (ytd only) | 7.7772% | 930 |
| Net charge-offs to loans | -0.0557% | 5,426 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.9676% | 5,877 |
| Assets per employee ($millions) | 13.5096% | 115 |
| Cash dividends to net income (ytd only)* | 54.1781% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0929% | 554 |
| Loan loss allowance to noncurrent loans | 264.8123% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 0.4481% | 3,470 |
| Noncurrent loans to loans | 0.7903% | 2,541 |
| Net loans and leases to total assets | 51.9848% | 4,608 |
| Net loans and leases to deposits | 60.7287% | 4,628 |
| Net loans and leases to core deposits | 62.5300% | 4,720 |
| Total domestic deposits to total assets | 85.6017% | 2,780 |
| Equity capital to assets | 14.2840% | 800 |
| Core capital (leverage) ratio | 14.4184% | 713 |
| Tier 1 risk-based capital ratio | 23.3612% | 930 |
| Total risk-based capital ratio | 24.6182% | 918 |
| Memoranda: | ||
| Average total assets | $529,903,800 | 1,301 |
| Average earning assets | $512,806,000 | 1,250 |
| Average equity | $75,374,400 | 1,054 |
| Average total loans | $283,902,400 | 1,602 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6063% | 4,534 |
| Cost of funding earning assets | 0.3582% | 3,453 |
| Net interest margin | 3.2481% | 4,349 |
| Noninterest income to average assets | 0.3779% | 4,080 |
| Noninterest expense to average assets | 0.9618% | 5,929 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.5673% | 144 |
| Return on assets (ROA) | 2.5673% | 149 |
| Pretax return on assets | 2.5673% | 200 |
| Return on Equity (ROE) | 18.0677% | 353 |
| Retained earnings to average equity (ytd only) | 7.9163% | 1,207 |
| Net charge-offs to loans | -0.0543% | 5,393 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.2533% | 5,945 |
| Assets per employee ($millions) | 13.0450% | 128 |
| Cash dividends to net income (ytd only)* | 56.1852% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0440% | 673 |
| Loan loss allowance to noncurrent loans | 271.6355% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 0.4389% | 3,664 |
| Noncurrent loans to loans | 0.7525% | 2,789 |
| Net loans and leases to total assets | 53.3880% | 4,546 |
| Net loans and leases to deposits | 62.9506% | 4,561 |
| Net loans and leases to core deposits | 64.8000% | 4,685 |
| Total domestic deposits to total assets | 84.8093% | 2,890 |
| Equity capital to assets | 15.0663% | 728 |
| Core capital (leverage) ratio | 14.0251% | 839 |
| Tier 1 risk-based capital ratio | 22.8664% | 1,017 |
| Total risk-based capital ratio | 24.1232% | 1,003 |
| Memoranda: | ||
| Average total assets | $530,661,000 | 1,307 |
| Average earning assets | $514,832,750 | 1,245 |
| Average equity | $75,403,250 | 1,057 |
| Average total loans | $284,940,500 | 1,591 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5797% | 4,652 |
| Cost of funding earning assets | 0.3586% | 3,470 |
| Net interest margin | 3.2211% | 4,482 |
| Noninterest income to average assets | 0.3714% | 4,091 |
| Noninterest expense to average assets | 0.9719% | 6,009 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.5340% | 145 |
| Return on assets (ROA) | 2.5340% | 145 |
| Pretax return on assets | 2.5340% | 206 |
| Return on Equity (ROE) | 18.1913% | 345 |
| Retained earnings to average equity (ytd only) | 5.9463% | 2,144 |
| Net charge-offs to loans | -0.0547% | 5,406 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.7208% | 6,019 |
| Assets per employee ($millions) | 13.9298% | 97 |
| Cash dividends to net income (ytd only)* | 67.3125% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0343% | 693 |
| Loan loss allowance to noncurrent loans | 196.4954% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 0.5836% | 3,271 |
| Noncurrent loans to loans | 1.0353% | 2,211 |
| Net loans and leases to total assets | 52.5396% | 4,626 |
| Net loans and leases to deposits | 61.4993% | 4,694 |
| Net loans and leases to core deposits | 64.8757% | 4,689 |
| Total domestic deposits to total assets | 85.4313% | 2,676 |
| Equity capital to assets | 14.4497% | 887 |
| Core capital (leverage) ratio | 13.6520% | 929 |
| Tier 1 risk-based capital ratio | 22.4614% | 1,082 |
| Total risk-based capital ratio | 23.7183% | 1,065 |
| Memoranda: | ||
| Average total assets | $533,615,000 | 1,304 |
| Average earning assets | $519,256,670 | 1,237 |
| Average equity | $74,332,330 | 1,075 |
| Average total loans | $285,123,670 | 1,593 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6006% | 4,609 |
| Cost of funding earning assets | 0.3568% | 3,534 |
| Net interest margin | 3.2438% | 4,420 |
| Noninterest income to average assets | 0.3083% | 4,523 |
| Noninterest expense to average assets | 1.0243% | 6,070 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.4399% | 171 |
| Return on assets (ROA) | 2.4399% | 178 |
| Pretax return on assets | 2.4399% | 261 |
| Return on Equity (ROE) | 17.8445% | 369 |
| Retained earnings to average equity (ytd only) | 1.4634% | 4,683 |
| Net charge-offs to loans | -0.0532% | 5,358 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.5690% | 6,074 |
| Assets per employee ($millions) | 14.0445% | 98 |
| Cash dividends to net income (ytd only)* | 91.7993% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0126% | 803 |
| Loan loss allowance to noncurrent loans | 398.2639% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 0.3191% | 4,291 |
| Noncurrent loans to loans | 0.5053% | 3,661 |
| Net loans and leases to total assets | 52.3189% | 4,603 |
| Net loans and leases to deposits | 60.8156% | 4,656 |
| Net loans and leases to core deposits | 64.0270% | 4,689 |
| Total domestic deposits to total assets | 86.0286% | 2,658 |
| Equity capital to assets | 13.8524% | 1,034 |
| Core capital (leverage) ratio | 13.1928% | 1,087 |
| Tier 1 risk-based capital ratio | 21.7856% | 1,194 |
| Total risk-based capital ratio | 23.0422% | 1,173 |
| Memoranda: | ||
| Average total assets | $535,756,500 | 1,299 |
| Average earning assets | $521,243,500 | 1,239 |
| Average equity | $73,255,000 | 1,085 |
| Average total loans | $285,743,500 | 1,585 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6493% | 4,526 |
| Cost of funding earning assets | 0.4479% | 2,642 |
| Net interest margin | 3.2014% | 4,627 |
| Noninterest income to average assets | 0.4650% | 3,563 |
| Noninterest expense to average assets | 1.0632% | 6,110 |
| Loan and lease loss provision to assets | 0.0553% | 3,207 |
| Net operating income to assets | 2.4593% | 160 |
| Return on assets (ROA) | 2.4639% | 163 |
| Pretax return on assets | 2.4639% | 219 |
| Return on Equity (ROE) | 18.9585% | 314 |
| Retained earnings to average equity (ytd only) | -5.2889% | 5,927 |
| Net charge-offs to loans | 0.7519% | 307 |
| Credit loss provision to net charge-offs | 13.4409% | 3,802 |
| Earnings coverage of net charge-offs (x) | 6.1151% | 3,273 |
| Efficiency ratio | 29.7168% | 6,140 |
| Assets per employee ($millions) | 12.5075% | 133 |
| Cash dividends to net income (ytd only)* | 127.8974% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9883% | 824 |
| Loan loss allowance to noncurrent loans | 505.0532% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.2376% | 4,642 |
| Noncurrent loans to loans | 0.3937% | 4,045 |
| Net loans and leases to total assets | 52.2169% | 4,676 |
| Net loans and leases to deposits | 60.4456% | 4,740 |
| Net loans and leases to core deposits | 63.7387% | 4,749 |
| Total domestic deposits to total assets | 86.3866% | 2,439 |
| Equity capital to assets | 13.4954% | 1,128 |
| Core capital (leverage) ratio | 13.1546% | 1,092 |
| Tier 1 risk-based capital ratio | 21.4227% | 1,226 |
| Total risk-based capital ratio | 22.6788% | 1,208 |
| Memoranda: | ||
| Average total assets | $542,799,000 | 1,251 |
| Average earning assets | $527,775,800 | 1,196 |
| Average equity | $70,543,400 | 1,084 |
| Average total loans | $296,852,600 | 1,478 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6528% | 4,569 |
| Cost of funding earning assets | 0.4698% | 2,501 |
| Net interest margin | 3.1830% | 4,722 |
| Noninterest income to average assets | 0.4237% | 3,912 |
| Noninterest expense to average assets | 1.0803% | 6,198 |
| Loan and lease loss provision to assets | 0.0735% | 2,698 |
| Net operating income to assets | 2.3667% | 196 |
| Return on assets (ROA) | 2.3725% | 202 |
| Pretax return on assets | 2.3725% | 299 |
| Return on Equity (ROE) | 18.4306% | 375 |
| Retained earnings to average equity (ytd only) | -11.6778% | 6,150 |
| Net charge-offs to loans | -0.0062% | 4,866 |
| Credit loss provision to net charge-offs | -2,142.8571% | 5,604 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.6857% | 6,221 |
| Assets per employee ($millions) | 13.5801% | 105 |
| Cash dividends to net income (ytd only)* | 163.3612% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6792% | 343 |
| Loan loss allowance to noncurrent loans | 1,465.4982% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.1023% | 5,341 |
| Noncurrent loans to loans | 0.1828% | 4,912 |
| Net loans and leases to total assets | 54.4785% | 4,517 |
| Net loans and leases to deposits | 62.8977% | 4,654 |
| Net loans and leases to core deposits | 68.7321% | 4,477 |
| Total domestic deposits to total assets | 86.6144% | 2,233 |
| Equity capital to assets | 13.2510% | 1,330 |
| Core capital (leverage) ratio | 12.3905% | 1,470 |
| Tier 1 risk-based capital ratio | 20.4039% | 1,455 |
| Total risk-based capital ratio | 21.6682% | 1,420 |
| Memoranda: | ||
| Average total assets | $544,043,250 | 1,256 |
| Average earning assets | $529,295,500 | 1,196 |
| Average equity | $70,034,000 | 1,093 |
| Average total loans | $299,433,000 | 1,481 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5915% | 4,739 |
| Cost of funding earning assets | 0.4701% | 2,518 |
| Net interest margin | 3.1215% | 4,913 |
| Noninterest income to average assets | 0.4293% | 3,860 |
| Noninterest expense to average assets | 1.0797% | 6,279 |
| Loan and lease loss provision to assets | 0.1093% | 2,007 |
| Net operating income to assets | 2.2746% | 228 |
| Return on assets (ROA) | 2.2830% | 237 |
| Pretax return on assets | 2.2830% | 348 |
| Return on Equity (ROE) | 17.9038% | 418 |
| Retained earnings to average equity (ytd only) | -23.6078% | 6,282 |
| Net charge-offs to loans | -0.3062% | 6,126 |
| Credit loss provision to net charge-offs | -65.2174% | 4,841 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.1731% | 6,292 |
| Assets per employee ($millions) | 12.8146% | 120 |
| Cash dividends to net income (ytd only)* | 231.8595% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8021% | 334 |
| Loan loss allowance to noncurrent loans | 1,451.3841% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.1074% | 5,432 |
| Noncurrent loans to loans | 0.1931% | 5,003 |
| Net loans and leases to total assets | 54.0659% | 4,546 |
| Net loans and leases to deposits | 61.8489% | 4,714 |
| Net loans and leases to core deposits | 69.5011% | 4,371 |
| Total domestic deposits to total assets | 87.4160% | 1,951 |
| Equity capital to assets | 12.4480% | 1,688 |
| Core capital (leverage) ratio | 11.8989% | 1,715 |
| Tier 1 risk-based capital ratio | 19.4635% | 1,679 |
| Total risk-based capital ratio | 20.7289% | 1,644 |
| Memoranda: | ||
| Average total assets | $548,850,330 | 1,249 |
| Average earning assets | $533,531,330 | 1,192 |
| Average equity | $69,985,330 | 1,101 |
| Average total loans | $300,419,670 | 1,476 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5318% | 4,881 |
| Cost of funding earning assets | 0.4614% | 2,662 |
| Net interest margin | 3.0704% | 5,030 |
| Noninterest income to average assets | 0.4259% | 3,795 |
| Noninterest expense to average assets | 1.0762% | 6,351 |
| Loan and lease loss provision to assets | 0.2165% | 819 |
| Net operating income to assets | 2.1156% | 272 |
| Return on assets (ROA) | 2.1329% | 280 |
| Pretax return on assets | 2.1329% | 449 |
| Return on Equity (ROE) | 16.5362% | 517 |
| Retained earnings to average equity (ytd only) | -39.4239% | 6,374 |
| Net charge-offs to loans | -0.0691% | 5,687 |
| Credit loss provision to net charge-offs | -576.9231% | 4,851 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.5756% | 6,358 |
| Assets per employee ($millions) | 13.2518% | 109 |
| Cash dividends to net income (ytd only)* | 338.4095% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6692% | 421 |
| Loan loss allowance to noncurrent loans | 858.1720% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.1671% | 5,283 |
| Noncurrent loans to loans | 0.3110% | 4,676 |
| Net loans and leases to total assets | 52.2877% | 4,640 |
| Net loans and leases to deposits | 59.8840% | 4,754 |
| Net loans and leases to core deposits | 68.0672% | 4,316 |
| Total domestic deposits to total assets | 87.3151% | 2,206 |
| Equity capital to assets | 12.5426% | 1,669 |
| Core capital (leverage) ratio | 12.0174% | 1,626 |
| Tier 1 risk-based capital ratio | 19.6236% | 1,706 |
| Total risk-based capital ratio | 20.8873% | 1,664 |
| Memoranda: | ||
| Average total assets | $554,168,500 | 1,245 |
| Average earning assets | $538,304,000 | 1,182 |
| Average equity | $71,479,500 | 1,077 |
| Average total loans | $300,940,000 | 1,477 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6964% | 4,786 |
| Cost of funding earning assets | 0.4913% | 2,758 |
| Net interest margin | 3.2051% | 4,899 |
| Noninterest income to average assets | 0.5330% | 3,286 |
| Noninterest expense to average assets | 1.1521% | 6,419 |
| Loan and lease loss provision to assets | 0.0887% | 2,696 |
| Net operating income to assets | 2.3807% | 175 |
| Return on assets (ROA) | 2.3809% | 177 |
| Pretax return on assets | 2.3809% | 236 |
| Return on Equity (ROE) | 18.2787% | 370 |
| Retained earnings to average equity (ytd only) | 10.7013% | 417 |
| Net charge-offs to loans | 0.1927% | 2,123 |
| Credit loss provision to net charge-offs | 82.2807% | 2,825 |
| Earnings coverage of net charge-offs (x) | 22.9123% | 1,611 |
| Efficiency ratio | 31.8122% | 6,459 |
| Assets per employee ($millions) | 13.1372% | 111 |
| Cash dividends to net income (ytd only)* | 41.4549% | 2,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5188% | 536 |
| Loan loss allowance to noncurrent loans | 851.4509% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.1624% | 5,374 |
| Noncurrent loans to loans | 0.2958% | 4,790 |
| Net loans and leases to total assets | 53.5103% | 4,635 |
| Net loans and leases to deposits | 61.7903% | 4,744 |
| Net loans and leases to core deposits | 70.6747% | 4,254 |
| Total domestic deposits to total assets | 86.5999% | 2,510 |
| Equity capital to assets | 13.2575% | 1,248 |
| Core capital (leverage) ratio | 13.4472% | 988 |
| Tier 1 risk-based capital ratio | 21.8026% | 1,254 |
| Total risk-based capital ratio | 23.0650% | 1,228 |
| Memoranda: | ||
| Average total assets | $528,883,000 | 1,270 |
| Average earning assets | $509,625,800 | 1,204 |
| Average equity | $68,889,000 | 1,070 |
| Average total loans | $295,789,400 | 1,444 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7285% | 4,778 |
| Cost of funding earning assets | 0.4950% | 2,815 |
| Net interest margin | 3.2335% | 4,844 |
| Noninterest income to average assets | 0.5431% | 3,242 |
| Noninterest expense to average assets | 1.1175% | 6,503 |
| Loan and lease loss provision to assets | 0.1193% | 2,081 |
| Net operating income to assets | 2.4142% | 165 |
| Return on assets (ROA) | 2.4145% | 165 |
| Pretax return on assets | 2.4145% | 249 |
| Return on Equity (ROE) | 18.6243% | 385 |
| Retained earnings to average equity (ytd only) | 9.7092% | 774 |
| Net charge-offs to loans | -0.4403% | 6,439 |
| Credit loss provision to net charge-offs | -48.1977% | 5,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.6087% | 6,539 |
| Assets per employee ($millions) | 12.8331% | 121 |
| Cash dividends to net income (ytd only)* | 47.8679% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0525% | 345 |
| Loan loss allowance to noncurrent loans | 429.6626% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.4802% | 4,456 |
| Noncurrent loans to loans | 0.7104% | 3,832 |
| Net loans and leases to total assets | 54.0281% | 4,572 |
| Net loans and leases to deposits | 62.2828% | 4,709 |
| Net loans and leases to core deposits | 71.2613% | 4,224 |
| Total domestic deposits to total assets | 86.7464% | 2,450 |
| Equity capital to assets | 13.1466% | 1,352 |
| Core capital (leverage) ratio | 13.2973% | 1,065 |
| Tier 1 risk-based capital ratio | 21.3554% | 1,382 |
| Total risk-based capital ratio | 22.6242% | 1,350 |
| Memoranda: | ||
| Average total assets | $523,163,000 | 1,296 |
| Average earning assets | $502,846,000 | 1,233 |
| Average equity | $67,823,750 | 1,089 |
| Average total loans | $294,017,000 | 1,458 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7168% | 4,807 |
| Cost of funding earning assets | 0.4908% | 2,919 |
| Net interest margin | 3.2259% | 4,854 |
| Noninterest income to average assets | 0.6082% | 2,776 |
| Noninterest expense to average assets | 1.1045% | 6,574 |
| Loan and lease loss provision to assets | 0.1807% | 1,359 |
| Net operating income to assets | 2.4272% | 158 |
| Return on assets (ROA) | 2.4276% | 165 |
| Pretax return on assets | 2.4276% | 245 |
| Return on Equity (ROE) | 18.8170% | 377 |
| Retained earnings to average equity (ytd only) | 7.2921% | 1,620 |
| Net charge-offs to loans | -0.6612% | 6,539 |
| Credit loss provision to net charge-offs | -48.4974% | 5,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.7514% | 6,608 |
| Assets per employee ($millions) | 12.6919% | 114 |
| Cash dividends to net income (ytd only)* | 61.2472% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0819% | 349 |
| Loan loss allowance to noncurrent loans | 1,122.9167% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.2382% | 5,388 |
| Noncurrent loans to loans | 0.2745% | 5,194 |
| Net loans and leases to total assets | 54.0572% | 4,536 |
| Net loans and leases to deposits | 62.1118% | 4,681 |
| Net loans and leases to core deposits | 71.4791% | 4,104 |
| Total domestic deposits to total assets | 87.0320% | 2,437 |
| Equity capital to assets | 12.8554% | 1,449 |
| Core capital (leverage) ratio | 13.0197% | 1,148 |
| Tier 1 risk-based capital ratio | 20.6907% | 1,510 |
| Total risk-based capital ratio | 21.9594% | 1,485 |
| Memoranda: | ||
| Average total assets | $517,886,670 | 1,298 |
| Average earning assets | $498,337,330 | 1,241 |
| Average equity | $66,812,000 | 1,095 |
| Average total loans | $291,897,330 | 1,465 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6945% | 4,866 |
| Cost of funding earning assets | 0.4947% | 2,960 |
| Net interest margin | 3.1998% | 4,920 |
| Noninterest income to average assets | 0.8254% | 1,651 |
| Noninterest expense to average assets | 1.0943% | 6,659 |
| Loan and lease loss provision to assets | 0.3668% | 468 |
| Net operating income to assets | 2.4519% | 157 |
| Return on assets (ROA) | 2.4519% | 165 |
| Pretax return on assets | 2.4519% | 242 |
| Return on Equity (ROE) | 18.9707% | 367 |
| Retained earnings to average equity (ytd only) | 0.7763% | 5,281 |
| Net charge-offs to loans | -0.5685% | 6,573 |
| Credit loss provision to net charge-offs | -113.8686% | 4,859 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.9647% | 6,685 |
| Assets per employee ($millions) | 12.5684% | 127 |
| Cash dividends to net income (ytd only)* | 95.9079% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9702% | 449 |
| Loan loss allowance to noncurrent loans | 920.7487% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.2631% | 5,393 |
| Noncurrent loans to loans | 0.3226% | 5,141 |
| Net loans and leases to total assets | 53.2766% | 4,514 |
| Net loans and leases to deposits | 60.9814% | 4,662 |
| Net loans and leases to core deposits | 69.6130% | 4,145 |
| Total domestic deposits to total assets | 87.3653% | 2,589 |
| Equity capital to assets | 12.5110% | 1,571 |
| Core capital (leverage) ratio | 12.8362% | 1,230 |
| Tier 1 risk-based capital ratio | 20.4692% | 1,595 |
| Total risk-based capital ratio | 21.7365% | 1,561 |
| Memoranda: | ||
| Average total assets | $510,301,000 | 1,325 |
| Average earning assets | $492,407,500 | 1,260 |
| Average equity | $65,954,500 | 1,109 |
| Average total loans | $289,186,500 | 1,483 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8231% | 4,726 |
| Cost of funding earning assets | 0.5412% | 3,184 |
| Net interest margin | 3.2819% | 4,731 |
| Noninterest income to average assets | 0.5226% | 3,606 |
| Noninterest expense to average assets | 1.2085% | 6,711 |
| Loan and lease loss provision to assets | 0.2811% | 1,228 |
| Net operating income to assets | 2.2199% | 238 |
| Return on assets (ROA) | 2.2225% | 238 |
| Pretax return on assets | 2.2225% | 304 |
| Return on Equity (ROE) | 17.8363% | 424 |
| Retained earnings to average equity (ytd only) | 12.2093% | 297 |
| Net charge-offs to loans | 1.8153% | 221 |
| Credit loss provision to net charge-offs | 26.8067% | 4,318 |
| Earnings coverage of net charge-offs (x) | 2.3848% | 4,214 |
| Efficiency ratio | 32.5774% | 6,752 |
| Assets per employee ($millions) | 12.0178% | 135 |
| Cash dividends to net income (ytd only)* | 31.5479% | 3,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6791% | 674 |
| Loan loss allowance to noncurrent loans | 2,363.9144% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.1731% | 5,793 |
| Noncurrent loans to loans | 0.1133% | 5,862 |
| Net loans and leases to total assets | 56.9889% | 4,191 |
| Net loans and leases to deposits | 65.8732% | 4,309 |
| Net loans and leases to core deposits | 74.3804% | 3,800 |
| Total domestic deposits to total assets | 86.5131% | 2,983 |
| Equity capital to assets | 13.3678% | 1,113 |
| Core capital (leverage) ratio | 12.8584% | 1,195 |
| Tier 1 risk-based capital ratio | 20.9425% | 1,429 |
| Total risk-based capital ratio | 22.2074% | 1,408 |
| Memoranda: | ||
| Average total assets | $504,026,600 | 1,323 |
| Average earning assets | $489,440,600 | 1,251 |
| Average equity | $62,804,600 | 1,141 |
| Average total loans | $291,199,400 | 1,458 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7744% | 4,943 |
| Cost of funding earning assets | 0.5422% | 3,343 |
| Net interest margin | 3.2322% | 4,888 |
| Noninterest income to average assets | 0.5474% | 3,480 |
| Noninterest expense to average assets | 1.1672% | 6,799 |
| Loan and lease loss provision to assets | 0.3683% | 856 |
| Net operating income to assets | 2.1500% | 283 |
| Return on assets (ROA) | 2.1534% | 291 |
| Pretax return on assets | 2.1534% | 430 |
| Return on Equity (ROE) | 17.5928% | 477 |
| Retained earnings to average equity (ytd only) | 11.1003% | 561 |
| Net charge-offs to loans | 1.8017% | 227 |
| Credit loss provision to net charge-offs | 35.4970% | 3,797 |
| Earnings coverage of net charge-offs (x) | 2.4272% | 4,019 |
| Efficiency ratio | 31.6702% | 6,823 |
| Assets per employee ($millions) | 11.6522% | 150 |
| Cash dividends to net income (ytd only)* | 36.9045% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1012% | 498 |
| Loan loss allowance to noncurrent loans | 1,380.3354% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.4484% | 5,088 |
| Noncurrent loans to loans | 0.2247% | 5,672 |
| Net loans and leases to total assets | 55.1849% | 4,430 |
| Net loans and leases to deposits | 63.0602% | 4,623 |
| Net loans and leases to core deposits | 72.1489% | 4,070 |
| Total domestic deposits to total assets | 87.5116% | 2,409 |
| Equity capital to assets | 12.3644% | 1,661 |
| Core capital (leverage) ratio | 12.5334% | 1,406 |
| Tier 1 risk-based capital ratio | 19.7357% | 1,801 |
| Total risk-based capital ratio | 21.0048% | 1,762 |
| Memoranda: | ||
| Average total assets | $506,851,000 | 1,322 |
| Average earning assets | $492,075,250 | 1,247 |
| Average equity | $62,039,000 | 1,171 |
| Average total loans | $291,866,500 | 1,452 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7682% | 4,935 |
| Cost of funding earning assets | 0.5480% | 3,439 |
| Net interest margin | 3.2202% | 4,871 |
| Noninterest income to average assets | 0.5720% | 3,372 |
| Noninterest expense to average assets | 1.2137% | 6,832 |
| Loan and lease loss provision to assets | 0.4753% | 592 |
| Net operating income to assets | 2.0135% | 347 |
| Return on assets (ROA) | 2.0186% | 368 |
| Pretax return on assets | 2.0186% | 583 |
| Return on Equity (ROE) | 16.5487% | 597 |
| Retained earnings to average equity (ytd only) | 6.7383% | 2,012 |
| Net charge-offs to loans | 2.0505% | 221 |
| Credit loss provision to net charge-offs | 40.1070% | 3,414 |
| Earnings coverage of net charge-offs (x) | 2.0999% | 3,821 |
| Efficiency ratio | 32.7806% | 6,863 |
| Assets per employee ($millions) | 11.3859% | 165 |
| Cash dividends to net income (ytd only)* | 59.2818% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3310% | 425 |
| Loan loss allowance to noncurrent loans | 557.2159% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.6793% | 4,523 |
| Noncurrent loans to loans | 0.5978% | 4,761 |
| Net loans and leases to total assets | 56.8103% | 4,162 |
| Net loans and leases to deposits | 64.8264% | 4,397 |
| Net loans and leases to core deposits | 74.4486% | 3,738 |
| Total domestic deposits to total assets | 87.6344% | 2,474 |
| Equity capital to assets | 12.2402% | 1,749 |
| Core capital (leverage) ratio | 11.8424% | 1,702 |
| Tier 1 risk-based capital ratio | 17.8864% | 2,359 |
| Total risk-based capital ratio | 19.1569% | 2,317 |
| Memoranda: | ||
| Average total assets | $504,902,000 | 1,323 |
| Average earning assets | $490,838,330 | 1,251 |
| Average equity | $61,588,000 | 1,181 |
| Average total loans | $291,826,330 | 1,444 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7732% | 4,909 |
| Cost of funding earning assets | 0.5531% | 3,542 |
| Net interest margin | 3.2202% | 4,846 |
| Noninterest income to average assets | 0.5398% | 3,499 |
| Noninterest expense to average assets | 1.1356% | 6,927 |
| Loan and lease loss provision to assets | 0.4735% | 580 |
| Net operating income to assets | 2.0597% | 310 |
| Return on assets (ROA) | 2.0589% | 343 |
| Pretax return on assets | 2.0589% | 538 |
| Return on Equity (ROE) | 16.9082% | 518 |
| Retained earnings to average equity (ytd only) | 16.9082% | 234 |
| Net charge-offs to loans | 2.9504% | 120 |
| Credit loss provision to net charge-offs | 27.9981% | 2,916 |
| Earnings coverage of net charge-offs (x) | 1.4979% | 3,331 |
| Efficiency ratio | 30.9529% | 6,953 |
| Assets per employee ($millions) | 12.0555% | 143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4580% | 435 |
| Loan loss allowance to noncurrent loans | 263.1772% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 0.8247% | 4,314 |
| Noncurrent loans to loans | 1.3139% | 3,590 |
| Net loans and leases to total assets | 54.1578% | 4,385 |
| Net loans and leases to deposits | 61.7417% | 4,585 |
| Net loans and leases to core deposits | 70.8737% | 3,964 |
| Total domestic deposits to total assets | 87.7167% | 2,508 |
| Equity capital to assets | 12.1378% | 1,948 |
| Core capital (leverage) ratio | 11.9752% | 1,580 |
| Tier 1 risk-based capital ratio | 18.9193% | 2,065 |
| Total risk-based capital ratio | 20.1925% | 2,034 |
| Memoranda: | ||
| Average total assets | $506,863,000 | 1,332 |
| Average earning assets | $492,523,500 | 1,259 |
| Average equity | $61,721,500 | 1,194 |
| Average total loans | $290,532,000 | 1,455 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2868% | 4,243 |
| Cost of funding earning assets | 0.7730% | 2,886 |
| Net interest margin | 3.5138% | 4,440 |
| Noninterest income to average assets | 0.5772% | 3,400 |
| Noninterest expense to average assets | 1.0480% | 7,004 |
| Loan and lease loss provision to assets | 0.8135% | 590 |
| Net operating income to assets | 2.1299% | 290 |
| Return on assets (ROA) | 2.1803% | 289 |
| Pretax return on assets | 2.1803% | 431 |
| Return on Equity (ROE) | 17.4972% | 492 |
| Retained earnings to average equity (ytd only) | 0.1681% | 5,756 |
| Net charge-offs to loans | 0.0072% | 5,854 |
| Credit loss provision to net charge-offs | 19,047.6190% | 11 |
| Earnings coverage of net charge-offs (x) | 689.1429% | 58 |
| Efficiency ratio | 26.2573% | 7,034 |
| Assets per employee ($millions) | 11.2577% | 169 |
| Cash dividends to net income (ytd only)* | 99.0392% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9961% | 285 |
| Loan loss allowance to noncurrent loans | 968.1970% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.3614% | 5,603 |
| Noncurrent loans to loans | 0.4127% | 5,452 |
| Net loans and leases to total assets | 56.2568% | 4,245 |
| Net loans and leases to deposits | 64.4963% | 4,479 |
| Net loans and leases to core deposits | 74.4222% | 3,726 |
| Total domestic deposits to total assets | 87.2249% | 2,689 |
| Equity capital to assets | 12.2183% | 1,910 |
| Core capital (leverage) ratio | 11.6605% | 1,761 |
| Tier 1 risk-based capital ratio | 18.4501% | 2,119 |
| Total risk-based capital ratio | 19.7298% | 2,074 |
| Memoranda: | ||
| Average total assets | $491,676,600 | 1,355 |
| Average earning assets | $477,746,200 | 1,274 |
| Average equity | $61,267,000 | 1,165 |
| Average total loans | $292,989,600 | 1,432 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3523% | 4,241 |
| Cost of funding earning assets | 0.8186% | 2,788 |
| Net interest margin | 3.5336% | 4,510 |
| Noninterest income to average assets | 0.5205% | 3,800 |
| Noninterest expense to average assets | 1.0378% | 7,110 |
| Loan and lease loss provision to assets | 0.7335% | 682 |
| Net operating income to assets | 2.1865% | 289 |
| Return on assets (ROA) | 2.2547% | 286 |
| Pretax return on assets | 2.2547% | 436 |
| Return on Equity (ROE) | 18.0057% | 501 |
| Retained earnings to average equity (ytd only) | 6.0402% | 2,680 |
| Net charge-offs to loans | 0.1507% | 3,902 |
| Credit loss provision to net charge-offs | 813.2530% | 346 |
| Earnings coverage of net charge-offs (x) | 32.3732% | 1,035 |
| Efficiency ratio | 26.2219% | 7,134 |
| Assets per employee ($millions) | 11.1500% | 173 |
| Cash dividends to net income (ytd only)* | 66.4538% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4103% | 504 |
| Loan loss allowance to noncurrent loans | 451.3330% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.6572% | 5,034 |
| Noncurrent loans to loans | 0.7556% | 4,906 |
| Net loans and leases to total assets | 57.6627% | 4,186 |
| Net loans and leases to deposits | 66.6689% | 4,379 |
| Net loans and leases to core deposits | 76.9303% | 3,615 |
| Total domestic deposits to total assets | 86.4912% | 2,987 |
| Equity capital to assets | 12.9261% | 1,632 |
| Core capital (leverage) ratio | 12.3931% | 1,450 |
| Tier 1 risk-based capital ratio | 19.0596% | 1,992 |
| Total risk-based capital ratio | 20.3326% | 1,957 |
| Memoranda: | ||
| Average total assets | $490,761,000 | 1,373 |
| Average earning assets | $477,380,000 | 1,295 |
| Average equity | $61,453,250 | 1,168 |
| Average total loans | $293,671,750 | 1,445 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3819% | 4,255 |
| Cost of funding earning assets | 0.8735% | 2,626 |
| Net interest margin | 3.5085% | 4,631 |
| Noninterest income to average assets | 0.4808% | 4,050 |
| Noninterest expense to average assets | 0.9890% | 7,191 |
| Loan and lease loss provision to assets | 0.6520% | 869 |
| Net operating income to assets | 2.2526% | 263 |
| Return on assets (ROA) | 2.2375% | 305 |
| Pretax return on assets | 2.2375% | 462 |
| Return on Equity (ROE) | 18.0627% | 500 |
| Retained earnings to average equity (ytd only) | 3.5428% | 4,239 |
| Net charge-offs to loans | 0.4001% | 2,426 |
| Credit loss provision to net charge-offs | 272.1088% | 1,068 |
| Earnings coverage of net charge-offs (x) | 12.1224% | 1,905 |
| Efficiency ratio | 25.4003% | 7,195 |
| Assets per employee ($millions) | 10.9120% | 182 |
| Cash dividends to net income (ytd only)* | 80.3861% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9433% | 825 |
| Loan loss allowance to noncurrent loans | 712.2112% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.5478% | 5,393 |
| Noncurrent loans to loans | 0.4133% | 5,708 |
| Net loans and leases to total assets | 57.9668% | 4,164 |
| Net loans and leases to deposits | 67.3572% | 4,309 |
| Net loans and leases to core deposits | 78.0606% | 3,506 |
| Total domestic deposits to total assets | 86.0588% | 3,329 |
| Equity capital to assets | 12.5415% | 1,793 |
| Core capital (leverage) ratio | 12.0650% | 1,571 |
| Tier 1 risk-based capital ratio | 18.3427% | 2,182 |
| Total risk-based capital ratio | 19.6101% | 2,140 |
| Memoranda: | ||
| Average total assets | $490,815,330 | 1,372 |
| Average earning assets | $477,413,330 | 1,298 |
| Average equity | $60,799,330 | 1,175 |
| Average total loans | $293,935,670 | 1,444 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4030% | 4,319 |
| Cost of funding earning assets | 0.9466% | 2,321 |
| Net interest margin | 3.4564% | 4,887 |
| Noninterest income to average assets | 0.4524% | 4,277 |
| Noninterest expense to average assets | 1.0450% | 7,247 |
| Loan and lease loss provision to assets | 0.5706% | 1,017 |
| Net operating income to assets | 2.2001% | 294 |
| Return on assets (ROA) | 2.2083% | 343 |
| Pretax return on assets | 2.2083% | 530 |
| Return on Equity (ROE) | 17.9383% | 556 |
| Retained earnings to average equity (ytd only) | 1.3839% | 5,546 |
| Net charge-offs to loans | 0.4350% | 2,007 |
| Credit loss provision to net charge-offs | 218.7500% | 1,266 |
| Earnings coverage of net charge-offs (x) | 10.6219% | 1,741 |
| Efficiency ratio | 27.3873% | 7,245 |
| Assets per employee ($millions) | 10.9434% | 184 |
| Cash dividends to net income (ytd only)* | 92.2850% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7102% | 1,104 |
| Loan loss allowance to noncurrent loans | 870.5114% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.3994% | 5,867 |
| Noncurrent loans to loans | 0.3113% | 6,057 |
| Net loans and leases to total assets | 58.3166% | 3,985 |
| Net loans and leases to deposits | 67.5937% | 4,132 |
| Net loans and leases to core deposits | 77.8775% | 3,346 |
| Total domestic deposits to total assets | 86.2752% | 3,373 |
| Equity capital to assets | 12.3017% | 1,850 |
| Core capital (leverage) ratio | 11.8791% | 1,656 |
| Tier 1 risk-based capital ratio | 17.9657% | 2,307 |
| Total risk-based capital ratio | 19.2307% | 2,276 |
| Memoranda: | ||
| Average total assets | $490,703,000 | 1,372 |
| Average earning assets | $477,490,000 | 1,302 |
| Average equity | $60,407,000 | 1,179 |
| Average total loans | $294,267,500 | 1,446 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6405% | 4,499 |
| Cost of funding earning assets | 1.0776% | 2,820 |
| Net interest margin | 3.5629% | 4,881 |
| Noninterest income to average assets | 0.4157% | 4,485 |
| Noninterest expense to average assets | 1.1920% | 7,268 |
| Loan and lease loss provision to assets | 0.7813% | 1,273 |
| Net operating income to assets | 1.9050% | 373 |
| Return on assets (ROA) | 1.9207% | 391 |
| Pretax return on assets | 1.9207% | 636 |
| Return on Equity (ROE) | 16.0018% | 600 |
| Retained earnings to average equity (ytd only) | 3.9568% | 3,377 |
| Net charge-offs to loans | 0.4887% | 3,039 |
| Credit loss provision to net charge-offs | 267.6056% | 895 |
| Earnings coverage of net charge-offs (x) | 9.2014% | 2,018 |
| Efficiency ratio | 30.7358% | 7,292 |
| Assets per employee ($millions) | 10.8656% | 186 |
| Cash dividends to net income (ytd only)* | 75.2730% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5976% | 1,198 |
| Loan loss allowance to noncurrent loans | 275.4881% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.7725% | 5,093 |
| Noncurrent loans to loans | 0.9429% | 4,819 |
| Net loans and leases to total assets | 58.4377% | 4,292 |
| Net loans and leases to deposits | 67.7572% | 4,474 |
| Net loans and leases to core deposits | 80.6729% | 3,362 |
| Total domestic deposits to total assets | 86.2457% | 3,169 |
| Equity capital to assets | 12.3190% | 1,897 |
| Core capital (leverage) ratio | 11.7613% | 1,729 |
| Tier 1 risk-based capital ratio | 17.9519% | 2,206 |
| Total risk-based capital ratio | 19.2155% | 2,178 |
| Memoranda: | ||
| Average total assets | $486,396,400 | 1,374 |
| Average earning assets | $472,704,200 | 1,295 |
| Average equity | $58,380,800 | 1,168 |
| Average total loans | $290,579,000 | 1,473 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6207% | 4,787 |
| Cost of funding earning assets | 1.1109% | 2,903 |
| Net interest margin | 3.5098% | 5,148 |
| Noninterest income to average assets | 0.3996% | 4,673 |
| Noninterest expense to average assets | 1.2393% | 7,331 |
| Loan and lease loss provision to assets | 0.5627% | 1,745 |
| Net operating income to assets | 2.0092% | 333 |
| Return on assets (ROA) | 2.0292% | 349 |
| Pretax return on assets | 2.0292% | 591 |
| Return on Equity (ROE) | 17.0192% | 565 |
| Retained earnings to average equity (ytd only) | 3.3035% | 4,370 |
| Net charge-offs to loans | 0.6605% | 2,268 |
| Credit loss provision to net charge-offs | 142.7577% | 2,233 |
| Earnings coverage of net charge-offs (x) | 6.5251% | 2,538 |
| Efficiency ratio | 32.5171% | 7,344 |
| Assets per employee ($millions) | 10.7274% | 199 |
| Cash dividends to net income (ytd only)* | 80.5897% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0223% | 2,274 |
| Loan loss allowance to noncurrent loans | 597.9571% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.4373% | 5,997 |
| Noncurrent loans to loans | 0.3382% | 6,172 |
| Net loans and leases to total assets | 57.4758% | 4,592 |
| Net loans and leases to deposits | 66.4412% | 4,838 |
| Net loans and leases to core deposits | 79.0473% | 3,763 |
| Total domestic deposits to total assets | 86.5062% | 2,926 |
| Equity capital to assets | 12.0822% | 2,187 |
| Core capital (leverage) ratio | 11.7937% | 1,830 |
| Tier 1 risk-based capital ratio | 17.6358% | 2,385 |
| Total risk-based capital ratio | 18.8802% | 2,358 |
| Memoranda: | ||
| Average total assets | $485,757,250 | 1,379 |
| Average earning assets | $472,155,500 | 1,303 |
| Average equity | $57,917,500 | 1,175 |
| Average total loans | $289,885,500 | 1,482 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6400% | 4,791 |
| Cost of funding earning assets | 1.1034% | 3,216 |
| Net interest margin | 3.5366% | 4,989 |
| Noninterest income to average assets | 0.3841% | 4,805 |
| Noninterest expense to average assets | 1.2997% | 7,393 |
| Loan and lease loss provision to assets | 0.4967% | 1,981 |
| Net operating income to assets | 2.0278% | 331 |
| Return on assets (ROA) | 2.0522% | 326 |
| Pretax return on assets | 2.0522% | 530 |
| Return on Equity (ROE) | 17.2904% | 524 |
| Retained earnings to average equity (ytd only) | 0.2581% | 5,734 |
| Net charge-offs to loans | 0.9958% | 1,577 |
| Credit loss provision to net charge-offs | 83.1025% | 3,682 |
| Earnings coverage of net charge-offs (x) | 4.2237% | 2,924 |
| Efficiency ratio | 33.9864% | 7,407 |
| Assets per employee ($millions) | 10.6608% | 208 |
| Cash dividends to net income (ytd only)* | 98.5075% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7365% | 3,200 |
| Loan loss allowance to noncurrent loans | 410.1806% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.4996% | 5,915 |
| Noncurrent loans to loans | 0.4234% | 6,053 |
| Net loans and leases to total assets | 58.9283% | 4,479 |
| Net loans and leases to deposits | 68.6564% | 4,608 |
| Net loans and leases to core deposits | 80.0302% | 3,783 |
| Total domestic deposits to total assets | 85.8308% | 3,421 |
| Equity capital to assets | 12.0835% | 2,040 |
| Core capital (leverage) ratio | 11.5887% | 1,849 |
| Tier 1 risk-based capital ratio | 17.3825% | 2,384 |
| Total risk-based capital ratio | 18.6227% | 2,362 |
| Memoranda: | ||
| Average total assets | $483,189,000 | 1,391 |
| Average earning assets | $470,004,000 | 1,315 |
| Average equity | $57,349,670 | 1,169 |
| Average total loans | $290,022,330 | 1,502 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5756% | 5,050 |
| Cost of funding earning assets | 1.1401% | 3,227 |
| Net interest margin | 3.4355% | 5,284 |
| Noninterest income to average assets | 0.3885% | 4,800 |
| Noninterest expense to average assets | 1.2745% | 7,469 |
| Loan and lease loss provision to assets | 0.4949% | 1,769 |
| Net operating income to assets | 1.9599% | 368 |
| Return on assets (ROA) | 1.9517% | 391 |
| Pretax return on assets | 1.9517% | 603 |
| Return on Equity (ROE) | 16.5919% | 614 |
| Retained earnings to average equity (ytd only) | -4.4460% | 6,468 |
| Net charge-offs to loans | 0.4877% | 2,253 |
| Credit loss provision to net charge-offs | 169.0141% | 1,707 |
| Earnings coverage of net charge-offs (x) | 8.3831% | 1,829 |
| Efficiency ratio | 34.1739% | 7,466 |
| Assets per employee ($millions) | 10.9074% | 198 |
| Cash dividends to net income (ytd only)* | 126.7963% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8616% | 2,818 |
| Loan loss allowance to noncurrent loans | 918.7605% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.4786% | 6,030 |
| Noncurrent loans to loans | 0.2026% | 6,566 |
| Net loans and leases to total assets | 58.9119% | 4,476 |
| Net loans and leases to deposits | 68.1940% | 4,649 |
| Net loans and leases to core deposits | 79.1793% | 3,855 |
| Total domestic deposits to total assets | 86.3886% | 3,294 |
| Equity capital to assets | 11.5396% | 2,232 |
| Core capital (leverage) ratio | 11.4740% | 1,863 |
| Tier 1 risk-based capital ratio | 16.8667% | 2,527 |
| Total risk-based capital ratio | 18.1122% | 2,495 |
| Memoranda: | ||
| Average total assets | $484,915,000 | 1,391 |
| Average earning assets | $471,542,500 | 1,310 |
| Average equity | $57,040,000 | 1,169 |
| Average total loans | $291,185,000 | 1,511 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0999% | 4,097 |
| Cost of funding earning assets | 1.3812% | 3,383 |
| Net interest margin | 3.7187% | 4,275 |
| Noninterest income to average assets | 0.4486% | 4,521 |
| Noninterest expense to average assets | 1.1664% | 7,552 |
| Loan and lease loss provision to assets | 0.6677% | 2,474 |
| Net operating income to assets | 2.2212% | 188 |
| Return on assets (ROA) | 2.2457% | 178 |
| Pretax return on assets | 2.2457% | 287 |
| Return on Equity (ROE) | 18.3493% | 355 |
| Retained earnings to average equity (ytd only) | 6.1123% | 1,760 |
| Net charge-offs to loans | 0.8071% | 2,613 |
| Credit loss provision to net charge-offs | 132.6664% | 2,957 |
| Earnings coverage of net charge-offs (x) | 5.7399% | 2,544 |
| Efficiency ratio | 28.7627% | 7,591 |
| Assets per employee ($millions) | 10.8863% | 204 |
| Cash dividends to net income (ytd only)* | 66.6894% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8212% | 2,795 |
| Loan loss allowance to noncurrent loans | 253.7530% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.7255% | 5,554 |
| Noncurrent loans to loans | 0.7177% | 5,610 |
| Net loans and leases to total assets | 58.9745% | 4,852 |
| Net loans and leases to deposits | 69.0206% | 4,959 |
| Net loans and leases to core deposits | 78.4176% | 4,407 |
| Total domestic deposits to total assets | 85.4448% | 3,633 |
| Equity capital to assets | 11.9917% | 1,919 |
| Core capital (leverage) ratio | 12.0867% | 1,488 |
| Tier 1 risk-based capital ratio | 17.6084% | 2,128 |
| Total risk-based capital ratio | 18.8632% | 2,097 |
| Memoranda: | ||
| Average total assets | $456,784,200 | 1,452 |
| Average earning assets | $443,029,000 | 1,378 |
| Average equity | $55,904,000 | 1,187 |
| Average total loans | $284,833,000 | 1,575 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2656% | 3,506 |
| Cost of funding earning assets | 1.4501% | 3,273 |
| Net interest margin | 3.8156% | 3,902 |
| Noninterest income to average assets | 0.4134% | 4,852 |
| Noninterest expense to average assets | 1.1264% | 7,678 |
| Loan and lease loss provision to assets | 0.7239% | 2,110 |
| Net operating income to assets | 2.2616% | 213 |
| Return on assets (ROA) | 2.2947% | 208 |
| Pretax return on assets | 2.2947% | 345 |
| Return on Equity (ROE) | 18.6499% | 416 |
| Retained earnings to average equity (ytd only) | 4.7237% | 3,178 |
| Net charge-offs to loans | 0.6931% | 2,682 |
| Credit loss provision to net charge-offs | 165.8768% | 2,257 |
| Earnings coverage of net charge-offs (x) | 6.8409% | 2,439 |
| Efficiency ratio | 27.3929% | 7,697 |
| Assets per employee ($millions) | 10.1976% | 251 |
| Cash dividends to net income (ytd only)* | 74.6717% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9313% | 2,397 |
| Loan loss allowance to noncurrent loans | 165.9878% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 1.1391% | 4,842 |
| Noncurrent loans to loans | 1.1635% | 4,919 |
| Net loans and leases to total assets | 61.8022% | 4,572 |
| Net loans and leases to deposits | 72.9957% | 4,691 |
| Net loans and leases to core deposits | 79.4134% | 4,599 |
| Total domestic deposits to total assets | 84.6655% | 3,791 |
| Equity capital to assets | 12.6088% | 1,805 |
| Core capital (leverage) ratio | 12.0469% | 1,643 |
| Tier 1 risk-based capital ratio | 17.2913% | 2,244 |
| Total risk-based capital ratio | 18.5471% | 2,202 |
| Memoranda: | ||
| Average total assets | $451,231,000 | 1,497 |
| Average earning assets | $437,391,500 | 1,406 |
| Average equity | $55,520,000 | 1,199 |
| Average total loans | $284,109,750 | 1,591 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3644% | 3,134 |
| Cost of funding earning assets | 1.5039% | 3,237 |
| Net interest margin | 3.8605% | 3,633 |
| Noninterest income to average assets | 0.3849% | 5,040 |
| Noninterest expense to average assets | 1.1034% | 7,754 |
| Loan and lease loss provision to assets | 0.7521% | 1,922 |
| Net operating income to assets | 2.2748% | 200 |
| Return on assets (ROA) | 2.3191% | 202 |
| Pretax return on assets | 2.3191% | 324 |
| Return on Equity (ROE) | 19.0037% | 385 |
| Retained earnings to average equity (ytd only) | 1.7583% | 4,989 |
| Net charge-offs to loans | 0.6600% | 2,567 |
| Credit loss provision to net charge-offs | 181.0437% | 2,170 |
| Earnings coverage of net charge-offs (x) | 7.2865% | 2,325 |
| Efficiency ratio | 26.7138% | 7,765 |
| Assets per employee ($millions) | 10.4139% | 225 |
| Cash dividends to net income (ytd only)* | 90.7478% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8502% | 2,563 |
| Loan loss allowance to noncurrent loans | 183.7299% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.7184% | 5,693 |
| Noncurrent loans to loans | 1.0070% | 5,298 |
| Net loans and leases to total assets | 60.7909% | 4,911 |
| Net loans and leases to deposits | 70.8357% | 5,158 |
| Net loans and leases to core deposits | 76.9535% | 5,088 |
| Total domestic deposits to total assets | 85.8196% | 3,190 |
| Equity capital to assets | 11.9570% | 2,126 |
| Core capital (leverage) ratio | 11.6899% | 1,813 |
| Tier 1 risk-based capital ratio | 16.7429% | 2,385 |
| Total risk-based capital ratio | 17.9793% | 2,338 |
| Memoranda: | ||
| Average total assets | $452,077,000 | 1,512 |
| Average earning assets | $438,595,670 | 1,414 |
| Average equity | $55,168,330 | 1,199 |
| Average total loans | $284,558,670 | 1,604 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1221% | 4,429 |
| Cost of funding earning assets | 1.5583% | 3,213 |
| Net interest margin | 3.5638% | 4,885 |
| Noninterest income to average assets | 0.3519% | 5,326 |
| Noninterest expense to average assets | 1.0690% | 7,864 |
| Loan and lease loss provision to assets | 0.5345% | 2,365 |
| Net operating income to assets | 2.2057% | 249 |
| Return on assets (ROA) | 2.1906% | 281 |
| Pretax return on assets | 2.1906% | 429 |
| Return on Equity (ROE) | 17.7678% | 532 |
| Retained earnings to average equity (ytd only) | 17.7678% | 253 |
| Net charge-offs to loans | 0.1306% | 4,182 |
| Credit loss provision to net charge-offs | 645.1613% | 676 |
| Earnings coverage of net charge-offs (x) | 33.0753% | 812 |
| Efficiency ratio | 28.0636% | 7,862 |
| Assets per employee ($millions) | 10.2381% | 247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7573% | 2,870 |
| Loan loss allowance to noncurrent loans | 87.4038% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 1.2689% | 4,638 |
| Noncurrent loans to loans | 2.0106% | 3,780 |
| Net loans and leases to total assets | 62.0006% | 4,755 |
| Net loans and leases to deposits | 72.8166% | 4,942 |
| Net loans and leases to core deposits | 79.1081% | 4,878 |
| Total domestic deposits to total assets | 85.1462% | 3,586 |
| Equity capital to assets | 12.5853% | 1,704 |
| Core capital (leverage) ratio | 12.2337% | 1,533 |
| Tier 1 risk-based capital ratio | 17.3994% | 2,106 |
| Total risk-based capital ratio | 18.6536% | 2,076 |
| Memoranda: | ||
| Average total assets | $449,010,500 | 1,559 |
| Average earning assets | $435,601,500 | 1,465 |
| Average equity | $55,358,500 | 1,204 |
| Average total loans | $284,937,500 | 1,653 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5996% | 3,613 |
| Cost of funding earning assets | 1.7697% | 4,149 |
| Net interest margin | 3.8299% | 3,580 |
| Noninterest income to average assets | 0.4664% | 4,675 |
| Noninterest expense to average assets | 1.2128% | 7,903 |
| Loan and lease loss provision to assets | 0.6116% | 3,352 |
| Net operating income to assets | 2.3642% | 107 |
| Return on assets (ROA) | 2.3870% | 115 |
| Pretax return on assets | 2.3870% | 189 |
| Return on Equity (ROE) | 19.7496% | 257 |
| Retained earnings to average equity (ytd only) | 7.0859% | 935 |
| Net charge-offs to loans | 0.5389% | 3,635 |
| Credit loss provision to net charge-offs | 167.9587% | 2,563 |
| Earnings coverage of net charge-offs (x) | 8.1725% | 1,985 |
| Efficiency ratio | 28.9549% | 7,940 |
| Assets per employee ($millions) | 10.1714% | 249 |
| Cash dividends to net income (ytd only)* | 64.1210% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5719% | 3,393 |
| Loan loss allowance to noncurrent loans | 87.3007% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 1.1489% | 4,795 |
| Noncurrent loans to loans | 1.8005% | 3,929 |
| Net loans and leases to total assets | 62.8076% | 4,852 |
| Net loans and leases to deposits | 73.3622% | 5,144 |
| Net loans and leases to core deposits | 82.8383% | 5,836 |
| Total domestic deposits to total assets | 85.6130% | 3,217 |
| Equity capital to assets | 12.0710% | 1,994 |
| Core capital (leverage) ratio | 11.7373% | 1,793 |
| Tier 1 risk-based capital ratio | 16.3290% | 2,386 |
| Total risk-based capital ratio | 17.5807% | 2,333 |
| Memoranda: | ||
| Average total assets | $425,134,200 | 1,628 |
| Average earning assets | $413,174,600 | 1,534 |
| Average equity | $51,383,400 | 1,301 |
| Average total loans | $287,231,600 | 1,666 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5676% | 4,053 |
| Cost of funding earning assets | 1.8131% | 4,322 |
| Net interest margin | 3.7545% | 3,842 |
| Noninterest income to average assets | 0.4672% | 4,769 |
| Noninterest expense to average assets | 1.1800% | 7,997 |
| Loan and lease loss provision to assets | 0.3496% | 4,226 |
| Net operating income to assets | 2.5895% | 91 |
| Return on assets (ROA) | 2.5882% | 100 |
| Pretax return on assets | 2.5882% | 169 |
| Return on Equity (ROE) | 21.4070% | 231 |
| Retained earnings to average equity (ytd only) | 7.0078% | 1,504 |
| Net charge-offs to loans | 0.0176% | 6,672 |
| Credit loss provision to net charge-offs | 2,894.7368% | 141 |
| Earnings coverage of net charge-offs (x) | 243.3464% | 157 |
| Efficiency ratio | 28.6475% | 8,016 |
| Assets per employee ($millions) | 9.9988% | 271 |
| Cash dividends to net income (ytd only)* | 67.2642% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5748% | 3,105 |
| Loan loss allowance to noncurrent loans | 75.5205% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 1.3853% | 4,326 |
| Noncurrent loans to loans | 2.0852% | 3,518 |
| Net loans and leases to total assets | 65.3873% | 4,562 |
| Net loans and leases to deposits | 76.8584% | 4,917 |
| Net loans and leases to core deposits | 86.4769% | 5,821 |
| Total domestic deposits to total assets | 85.0750% | 3,192 |
| Equity capital to assets | 12.3631% | 2,026 |
| Core capital (leverage) ratio | 12.1398% | 1,740 |
| Tier 1 risk-based capital ratio | 15.8986% | 2,666 |
| Total risk-based capital ratio | 17.1508% | 2,596 |
| Memoranda: | ||
| Average total assets | $419,532,000 | 1,665 |
| Average earning assets | $408,067,000 | 1,568 |
| Average equity | $50,723,500 | 1,339 |
| Average total loans | $287,644,500 | 1,684 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7463% | 3,315 |
| Cost of funding earning assets | 1.8644% | 4,445 |
| Net interest margin | 3.8819% | 3,196 |
| Noninterest income to average assets | 0.4547% | 4,817 |
| Noninterest expense to average assets | 1.0970% | 8,107 |
| Loan and lease loss provision to assets | 0.2884% | 4,269 |
| Net operating income to assets | 2.8457% | 71 |
| Return on assets (ROA) | 2.8438% | 80 |
| Pretax return on assets | 2.8438% | 123 |
| Return on Equity (ROE) | 23.7052% | 168 |
| Retained earnings to average equity (ytd only) | 5.8782% | 2,078 |
| Net charge-offs to loans | 0.0236% | 6,159 |
| Credit loss provision to net charge-offs | 1,764.7059% | 297 |
| Earnings coverage of net charge-offs (x) | 191.7647% | 214 |
| Efficiency ratio | 25.9259% | 8,123 |
| Assets per employee ($millions) | 9.6967% | 286 |
| Cash dividends to net income (ytd only)* | 75.2028% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3857% | 3,807 |
| Loan loss allowance to noncurrent loans | 95.3322% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 1.0071% | 4,955 |
| Noncurrent loans to loans | 1.4536% | 4,312 |
| Net loans and leases to total assets | 68.3216% | 4,100 |
| Net loans and leases to deposits | 80.3947% | 4,487 |
| Net loans and leases to core deposits | 90.4109% | 5,498 |
| Total domestic deposits to total assets | 84.9827% | 3,269 |
| Equity capital to assets | 12.3588% | 2,004 |
| Core capital (leverage) ratio | 11.9793% | 1,837 |
| Tier 1 risk-based capital ratio | 15.5599% | 2,794 |
| Total risk-based capital ratio | 16.7961% | 2,726 |
| Memoranda: | ||
| Average total assets | $416,059,670 | 1,697 |
| Average earning assets | $404,748,330 | 1,602 |
| Average equity | $49,913,000 | 1,377 |
| Average total loans | $288,316,000 | 1,714 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7413% | 3,579 |
| Cost of funding earning assets | 1.9147% | 4,556 |
| Net interest margin | 3.8265% | 3,353 |
| Noninterest income to average assets | 0.4321% | 4,943 |
| Noninterest expense to average assets | 1.0741% | 8,156 |
| Loan and lease loss provision to assets | 0.2887% | 3,645 |
| Net operating income to assets | 2.7892% | 84 |
| Return on assets (ROA) | 2.7930% | 105 |
| Pretax return on assets | 2.7930% | 154 |
| Return on Equity (ROE) | 23.6396% | 231 |
| Retained earnings to average equity (ytd only) | -0.7983% | 5,837 |
| Net charge-offs to loans | -0.0208% | 7,452 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,622 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.8693% | 8,166 |
| Assets per employee ($millions) | 9.6819% | 290 |
| Cash dividends to net income (ytd only)* | 103.3770% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3151% | 3,994 |
| Loan loss allowance to noncurrent loans | 163.2724% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.5597% | 5,798 |
| Noncurrent loans to loans | 0.8055% | 5,421 |
| Net loans and leases to total assets | 67.6283% | 4,217 |
| Net loans and leases to deposits | 79.1559% | 4,746 |
| Net loans and leases to core deposits | 89.4299% | 5,612 |
| Total domestic deposits to total assets | 85.4368% | 2,997 |
| Equity capital to assets | 11.8271% | 2,366 |
| Core capital (leverage) ratio | 11.7926% | 2,004 |
| Tier 1 risk-based capital ratio | 15.4292% | 2,882 |
| Total risk-based capital ratio | 16.6150% | 2,846 |
| Memoranda: | ||
| Average total assets | $415,610,000 | 1,711 |
| Average earning assets | $404,022,000 | 1,609 |
| Average equity | $49,104,000 | 1,405 |
| Average total loans | $288,036,000 | 1,723 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3726% | 3,559 |
| Cost of funding earning assets | 2.4997% | 4,209 |
| Net interest margin | 3.8728% | 3,693 |
| Noninterest income to average assets | 0.4528% | 5,018 |
| Noninterest expense to average assets | 1.1345% | 8,183 |
| Loan and lease loss provision to assets | 0.2852% | 4,101 |
| Net operating income to assets | 2.7784% | 85 |
| Return on assets (ROA) | 2.7776% | 83 |
| Pretax return on assets | 2.7737% | 123 |
| Return on Equity (ROE) | 24.2675% | 167 |
| Retained earnings to average equity (ytd only) | 8.5644% | 690 |
| Net charge-offs to loans | 0.4093% | 2,773 |
| Credit loss provision to net charge-offs | 97.0464% | 5,477 |
| Earnings coverage of net charge-offs (x) | 10.4118% | 2,516 |
| Efficiency ratio | 27.0502% | 8,243 |
| Assets per employee ($millions) | 9.4295% | 306 |
| Cash dividends to net income (ytd only)* | 64.7085% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1817% | 4,692 |
| Loan loss allowance to noncurrent loans | 426.3027% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.2307% | 6,646 |
| Noncurrent loans to loans | 0.2772% | 6,539 |
| Net loans and leases to total assets | 69.2538% | 4,199 |
| Net loans and leases to deposits | 81.5358% | 4,789 |
| Net loans and leases to core deposits | 91.4651% | 5,685 |
| Total domestic deposits to total assets | 84.9367% | 2,869 |
| Equity capital to assets | 11.8027% | 2,427 |
| Core capital (leverage) ratio | 11.9518% | 1,989 |
| Tier 1 risk-based capital ratio | 15.1727% | 2,969 |
| Total risk-based capital ratio | 16.2384% | 2,965 |
| Memoranda: | ||
| Average total assets | $403,258,600 | 1,692 |
| Average earning assets | $389,559,400 | 1,594 |
| Average equity | $46,156,400 | 1,477 |
| Average total loans | $289,505,800 | 1,671 |