Home > Bank of Blue Valley > Performance and Condition Ratios
Bank of Blue Valley, Performance and Condition Ratios
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7181% | 1,802 |
| Cost of funding earning assets | 1.3857% | 1,050 |
| Net interest margin | 3.3324% | 2,790 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 2.0733% | 3,441 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.0525% | 2,371 |
| Return on assets (ROA) | 1.0642% | 2,306 |
| Pretax return on assets | 1.3849% | 1,922 |
| Return on Equity (ROE) | 9.3400% | 2,957 |
| Retained earnings to average equity (ytd only) | 9.3402% | 1,856 |
| Net charge-offs to loans | 0.0134% | 1,452 |
| Credit loss provision to net charge-offs | 1,373.0769% | 293 |
| Earnings coverage of net charge-offs (x) | 197.9615% | 508 |
| Efficiency ratio | 56.6104% | 3,342 |
| Assets per employee ($millions) | 23.4933% | 75 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8232% | 4,046 |
| Loan loss allowance to noncurrent loans | 132.2634% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 0.3348% | 1,520 |
| Noncurrent loans to loans | 0.6224% | 1,208 |
| Net loans and leases to total assets | 53.3500% | 3,246 |
| Net loans and leases to deposits | 61.4282% | 3,264 |
| Net loans and leases to core deposits | 78.8263% | 2,329 |
| Total domestic deposits to total assets | 86.8500% | 2,319 |
| Equity capital to assets | 11.6316% | 1,115 |
| Core capital (leverage) ratio | 11.1328% | 1,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8181% | 1,185 |
| Memoranda: | ||
| Average total assets | $1,429,445,000 | 745 |
| Average earning assets | $1,310,530,500 | 745 |
| Average equity | $162,866,500 | 634 |
| Average total loans | $775,826,500 | 881 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7346% | 2,441 |
| Cost of funding earning assets | 0.3588% | 2,411 |
| Net interest margin | 3.3758% | 2,332 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 1.9020% | 3,816 |
| Loan and lease loss provision to assets | -0.2000% | 4,630 |
| Net operating income to assets | 1.4565% | 991 |
| Return on assets (ROA) | 1.4523% | 959 |
| Pretax return on assets | 1.8815% | 607 |
| Return on Equity (ROE) | 11.9800% | 2,145 |
| Retained earnings to average equity (ytd only) | 1.9152% | 3,997 |
| Net charge-offs to loans | 0.0497% | 1,174 |
| Credit loss provision to net charge-offs | -795.0000% | 4,654 |
| Earnings coverage of net charge-offs (x) | 63.6289% | 1,210 |
| Efficiency ratio | 50.5441% | 4,096 |
| Assets per employee ($millions) | 21.2806% | 88 |
| Cash dividends to net income (ytd only)* | 84.0175% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7704% | 4,091 |
| Loan loss allowance to noncurrent loans | 128.0332% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 0.4076% | 1,258 |
| Noncurrent loans to loans | 0.6017% | 1,243 |
| Net loans and leases to total assets | 54.3400% | 3,168 |
| Net loans and leases to deposits | 62.5275% | 3,154 |
| Net loans and leases to core deposits | 73.5677% | 2,604 |
| Total domestic deposits to total assets | 86.9000% | 2,421 |
| Equity capital to assets | 11.1545% | 1,199 |
| Core capital (leverage) ratio | 10.7499% | 1,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0747% | 1,353 |
| Memoranda: | ||
| Average total assets | $1,434,206,200 | 726 |
| Average earning assets | $1,323,881,800 | 727 |
| Average equity | $173,820,800 | 594 |
| Average total loans | $764,569,400 | 847 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4813% | 2,677 |
| Cost of funding earning assets | 0.2179% | 3,063 |
| Net interest margin | 3.2634% | 2,412 |
| Noninterest income to average assets | 0.4600% | 2,378 |
| Noninterest expense to average assets | 1.9016% | 3,749 |
| Loan and lease loss provision to assets | -0.2200% | 4,686 |
| Net operating income to assets | 1.3880% | 1,122 |
| Return on assets (ROA) | 1.3817% | 1,109 |
| Pretax return on assets | 1.7912% | 746 |
| Return on Equity (ROE) | 11.1800% | 2,307 |
| Retained earnings to average equity (ytd only) | 1.7913% | 4,072 |
| Net charge-offs to loans | 0.0670% | 826 |
| Credit loss provision to net charge-offs | -711.2565% | 4,710 |
| Earnings coverage of net charge-offs (x) | 44.5000% | 1,337 |
| Efficiency ratio | 52.0649% | 4,000 |
| Assets per employee ($millions) | 21.1941% | 92 |
| Cash dividends to net income (ytd only)* | 83.9772% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7916% | 4,113 |
| Loan loss allowance to noncurrent loans | 118.2737% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 0.4065% | 1,338 |
| Noncurrent loans to loans | 0.6693% | 1,218 |
| Net loans and leases to total assets | 54.9300% | 3,011 |
| Net loans and leases to deposits | 64.6496% | 2,815 |
| Net loans and leases to core deposits | 72.4725% | 2,451 |
| Total domestic deposits to total assets | 84.9700% | 3,295 |
| Equity capital to assets | 10.8943% | 1,217 |
| Core capital (leverage) ratio | 10.6498% | 1,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3354% | 1,612 |
| Memoranda: | ||
| Average total assets | $1,436,308,250 | 733 |
| Average earning assets | $1,328,464,750 | 728 |
| Average equity | $177,515,750 | 588 |
| Average total loans | $760,518,750 | 845 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3275% | 2,648 |
| Cost of funding earning assets | 0.1276% | 3,871 |
| Net interest margin | 3.1999% | 2,186 |
| Noninterest income to average assets | 0.4723% | 2,341 |
| Noninterest expense to average assets | 1.9436% | 3,592 |
| Loan and lease loss provision to assets | -0.3043% | 4,724 |
| Net operating income to assets | 1.3879% | 928 |
| Return on assets (ROA) | 1.3977% | 888 |
| Pretax return on assets | 1.8104% | 581 |
| Return on Equity (ROE) | 10.8771% | 2,022 |
| Retained earnings to average equity (ytd only) | 2.7404% | 3,533 |
| Net charge-offs to loans | 0.0858% | 641 |
| Credit loss provision to net charge-offs | -764.7975% | 3,491 |
| Earnings coverage of net charge-offs (x) | 33.3801% | 1,347 |
| Efficiency ratio | 53.8346% | 3,980 |
| Assets per employee ($millions) | 21.4056% | 89 |
| Cash dividends to net income (ytd only)* | 74.8055% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8653% | 4,048 |
| Loan loss allowance to noncurrent loans | 130.9148% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 0.3925% | 1,439 |
| Noncurrent loans to loans | 0.6610% | 1,295 |
| Net loans and leases to total assets | 53.0432% | 3,057 |
| Net loans and leases to deposits | 62.3594% | 2,864 |
| Net loans and leases to core deposits | 68.5619% | 2,600 |
| Total domestic deposits to total assets | 85.0605% | 3,472 |
| Equity capital to assets | 11.8230% | 934 |
| Core capital (leverage) ratio | 10.8453% | 1,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4109% | 1,326 |
| Memoranda: | ||
| Average total assets | $1,434,678,000 | 727 |
| Average earning assets | $1,329,355,333 | 725 |
| Average equity | $184,351,333 | 579 |
| Average total loans | $748,029,667 | 844 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2252% | 2,614 |
| Cost of funding earning assets | 0.0929% | 4,229 |
| Net interest margin | 3.1323% | 2,077 |
| Noninterest income to average assets | 0.3928% | 2,743 |
| Noninterest expense to average assets | 1.9968% | 3,432 |
| Loan and lease loss provision to assets | -0.3158% | 4,732 |
| Net operating income to assets | 1.2598% | 1,092 |
| Return on assets (ROA) | 1.2539% | 1,096 |
| Pretax return on assets | 1.6090% | 814 |
| Return on Equity (ROE) | 9.3833% | 2,190 |
| Retained earnings to average equity (ytd only) | 9.3833% | 1,168 |
| Net charge-offs to loans | 0.0087% | 1,428 |
| Credit loss provision to net charge-offs | -8,437.5000% | 3,553 |
| Earnings coverage of net charge-offs (x) | 291.6250% | 329 |
| Efficiency ratio | 57.5873% | 3,725 |
| Assets per employee ($millions) | 18.5404% | 121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1170% | 3,257 |
| Loan loss allowance to noncurrent loans | 126.1558% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 0.5720% | 1,039 |
| Noncurrent loans to loans | 0.8854% | 1,049 |
| Net loans and leases to total assets | 49.9177% | 3,186 |
| Net loans and leases to deposits | 60.0997% | 2,901 |
| Net loans and leases to core deposits | 63.0686% | 2,881 |
| Total domestic deposits to total assets | 83.0581% | 3,931 |
| Equity capital to assets | 12.9367% | 701 |
| Core capital (leverage) ratio | 11.1472% | 1,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5541% | 1,130 |
| Memoranda: | ||
| Average total assets | $1,434,928,000 | 723 |
| Average earning assets | $1,330,659,000 | 721 |
| Average equity | $191,745,500 | 572 |
| Average total loans | $738,357,500 | 844 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3891% | 2,955 |
| Cost of funding earning assets | 0.1022% | 4,369 |
| Net interest margin | 3.2869% | 2,346 |
| Noninterest income to average assets | 0.3910% | 3,096 |
| Noninterest expense to average assets | 2.1207% | 3,335 |
| Loan and lease loss provision to assets | -0.0541% | 4,370 |
| Net operating income to assets | 1.0666% | 2,431 |
| Return on assets (ROA) | 1.0957% | 2,374 |
| Pretax return on assets | 1.3999% | 2,053 |
| Return on Equity (ROE) | 7.7412% | 3,304 |
| Retained earnings to average equity (ytd only) | 1.2506% | 4,193 |
| Net charge-offs to loans | 0.1305% | 704 |
| Credit loss provision to net charge-offs | -60.5937% | 3,279 |
| Earnings coverage of net charge-offs (x) | 19.1044% | 1,889 |
| Efficiency ratio | 57.6771% | 3,494 |
| Assets per employee ($millions) | 17.8055% | 139 |
| Cash dividends to net income (ytd only)* | 83.8454% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2454% | 2,642 |
| Loan loss allowance to noncurrent loans | 141.5727% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 0.5462% | 1,209 |
| Noncurrent loans to loans | 0.8797% | 1,154 |
| Net loans and leases to total assets | 51.7678% | 3,094 |
| Net loans and leases to deposits | 63.3105% | 2,752 |
| Net loans and leases to core deposits | 64.2046% | 2,965 |
| Total domestic deposits to total assets | 81.7681% | 3,998 |
| Equity capital to assets | 13.7844% | 707 |
| Core capital (leverage) ratio | 10.7512% | 1,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7421% | 1,328 |
| Memoranda: | ||
| Average total assets | $1,425,934,000 | 707 |
| Average earning assets | $1,318,262,400 | 704 |
| Average equity | $201,828,800 | 537 |
| Average total loans | $748,837,000 | 833 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4152% | 3,059 |
| Cost of funding earning assets | 0.1053% | 4,454 |
| Net interest margin | 3.3099% | 2,393 |
| Noninterest income to average assets | 0.3770% | 3,221 |
| Noninterest expense to average assets | 2.1214% | 3,304 |
| Loan and lease loss provision to assets | -0.1158% | 4,638 |
| Net operating income to assets | 1.1160% | 2,496 |
| Return on assets (ROA) | 1.1381% | 2,472 |
| Pretax return on assets | 1.4549% | 2,136 |
| Return on Equity (ROE) | 7.9879% | 3,407 |
| Retained earnings to average equity (ytd only) | 2.6569% | 4,016 |
| Net charge-offs to loans | 0.1631% | 517 |
| Credit loss provision to net charge-offs | -98.7965% | 3,226 |
| Earnings coverage of net charge-offs (x) | 15.2976% | 1,867 |
| Efficiency ratio | 57.3583% | 3,373 |
| Assets per employee ($millions) | 18.5642% | 125 |
| Cash dividends to net income (ytd only)* | 66.7381% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2477% | 2,749 |
| Loan loss allowance to noncurrent loans | 139.3737% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 0.4519% | 1,676 |
| Noncurrent loans to loans | 0.8952% | 1,289 |
| Net loans and leases to total assets | 49.4785% | 3,471 |
| Net loans and leases to deposits | 60.8312% | 3,156 |
| Net loans and leases to core deposits | 61.6964% | 3,347 |
| Total domestic deposits to total assets | 81.3373% | 4,047 |
| Equity capital to assets | 13.8402% | 769 |
| Core capital (leverage) ratio | 11.0481% | 1,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7706% | 1,399 |
| Memoranda: | ||
| Average total assets | $1,421,857,000 | 722 |
| Average earning assets | $1,312,602,750 | 717 |
| Average equity | $202,584,750 | 537 |
| Average total loans | $747,038,000 | 853 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4320% | 3,076 |
| Cost of funding earning assets | 0.1120% | 4,492 |
| Net interest margin | 3.3200% | 2,381 |
| Noninterest income to average assets | 0.3729% | 3,252 |
| Noninterest expense to average assets | 2.1173% | 3,340 |
| Loan and lease loss provision to assets | -0.0960% | 4,617 |
| Net operating income to assets | 1.1071% | 2,518 |
| Return on assets (ROA) | 1.1376% | 2,472 |
| Pretax return on assets | 1.4531% | 2,161 |
| Return on Equity (ROE) | 7.9060% | 3,432 |
| Retained earnings to average equity (ytd only) | 2.8678% | 3,880 |
| Net charge-offs to loans | 0.2141% | 403 |
| Credit loss provision to net charge-offs | -48.6318% | 2,981 |
| Earnings coverage of net charge-offs (x) | 11.5361% | 1,755 |
| Efficiency ratio | 57.0252% | 3,406 |
| Assets per employee ($millions) | 18.6756% | 120 |
| Cash dividends to net income (ytd only)* | 63.7261% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3392% | 2,246 |
| Loan loss allowance to noncurrent loans | 131.6745% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 0.5585% | 1,493 |
| Noncurrent loans to loans | 1.0170% | 1,210 |
| Net loans and leases to total assets | 50.8160% | 3,467 |
| Net loans and leases to deposits | 61.7187% | 3,231 |
| Net loans and leases to core deposits | 62.6254% | 3,409 |
| Total domestic deposits to total assets | 82.3349% | 3,852 |
| Equity capital to assets | 14.3627% | 647 |
| Core capital (leverage) ratio | 10.9253% | 1,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9575% | 1,129 |
| Memoranda: | ||
| Average total assets | $1,406,953,000 | 726 |
| Average earning assets | $1,298,018,333 | 723 |
| Average equity | $202,454,333 | 531 |
| Average total loans | $751,116,000 | 850 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4616% | 3,038 |
| Cost of funding earning assets | 0.1204% | 4,518 |
| Net interest margin | 3.3412% | 2,273 |
| Noninterest income to average assets | 0.3772% | 3,210 |
| Noninterest expense to average assets | 2.1517% | 3,268 |
| Loan and lease loss provision to assets | 0.2887% | 337 |
| Net operating income to assets | 0.8055% | 3,407 |
| Return on assets (ROA) | 0.7984% | 3,500 |
| Pretax return on assets | 1.0017% | 3,363 |
| Return on Equity (ROE) | 5.5434% | 3,980 |
| Retained earnings to average equity (ytd only) | 5.5434% | 3,048 |
| Net charge-offs to loans | 0.0016% | 1,877 |
| Credit loss provision to net charge-offs | 39,000.0000% | 9 |
| Earnings coverage of net charge-offs (x) | 1,516.6667% | 56 |
| Efficiency ratio | 57.5838% | 3,362 |
| Assets per employee ($millions) | 17.1739% | 142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6034% | 1,289 |
| Loan loss allowance to noncurrent loans | 127.4997% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 0.7047% | 1,328 |
| Noncurrent loans to loans | 1.2576% | 1,034 |
| Net loans and leases to total assets | 52.3171% | 3,415 |
| Net loans and leases to deposits | 63.2999% | 3,190 |
| Net loans and leases to core deposits | 64.2941% | 3,384 |
| Total domestic deposits to total assets | 82.6496% | 3,774 |
| Equity capital to assets | 14.1124% | 649 |
| Core capital (leverage) ratio | 11.2392% | 1,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9419% | 1,078 |
| Memoranda: | ||
| Average total assets | $1,400,756,500 | 723 |
| Average earning assets | $1,288,646,500 | 720 |
| Average equity | $201,753,000 | 526 |
| Average total loans | $761,151,500 | 840 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2123% | 2,099 |
| Cost of funding earning assets | 0.2344% | 4,445 |
| Net interest margin | 3.9779% | 1,021 |
| Noninterest income to average assets | 0.3844% | 3,181 |
| Noninterest expense to average assets | 2.2058% | 3,650 |
| Loan and lease loss provision to assets | 0.0866% | 3,283 |
| Net operating income to assets | 1.3298% | 1,177 |
| Return on assets (ROA) | 1.4262% | 1,048 |
| Pretax return on assets | 1.8496% | 613 |
| Return on Equity (ROE) | 9.7912% | 2,079 |
| Retained earnings to average equity (ytd only) | 4.1755% | 2,729 |
| Net charge-offs to loans | -0.0074% | 4,205 |
| Credit loss provision to net charge-offs | -1,885.2459% | 4,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7845% | 4,546 |
| Assets per employee ($millions) | 16.3819% | 143 |
| Cash dividends to net income (ytd only)* | 57.3544% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4371% | 1,823 |
| Loan loss allowance to noncurrent loans | 345.6576% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.2683% | 2,963 |
| Noncurrent loans to loans | 0.4157% | 2,735 |
| Net loans and leases to total assets | 54.7512% | 3,415 |
| Net loans and leases to deposits | 66.1903% | 3,251 |
| Net loans and leases to core deposits | 67.2866% | 3,454 |
| Total domestic deposits to total assets | 82.7179% | 3,489 |
| Equity capital to assets | 14.7043% | 628 |
| Core capital (leverage) ratio | 10.9326% | 1,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3967% | 1,170 |
| Memoranda: | ||
| Average total assets | $1,344,778,800 | 682 |
| Average earning assets | $1,229,014,600 | 683 |
| Average equity | $195,879,600 | 512 |
| Average total loans | $826,467,000 | 763 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2678% | 2,191 |
| Cost of funding earning assets | 0.2640% | 4,454 |
| Net interest margin | 4.0038% | 1,109 |
| Noninterest income to average assets | 0.3862% | 3,150 |
| Noninterest expense to average assets | 2.3266% | 3,354 |
| Loan and lease loss provision to assets | 0.1239% | 2,786 |
| Net operating income to assets | 1.2230% | 1,573 |
| Return on assets (ROA) | 1.3012% | 1,449 |
| Pretax return on assets | 1.6910% | 986 |
| Return on Equity (ROE) | 8.9553% | 2,411 |
| Retained earnings to average equity (ytd only) | 4.1510% | 2,968 |
| Net charge-offs to loans | -0.0271% | 4,495 |
| Credit loss provision to net charge-offs | -718.7135% | 3,851 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2104% | 4,327 |
| Assets per employee ($millions) | 15.8251% | 141 |
| Cash dividends to net income (ytd only)* | 53.6481% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3262% | 2,058 |
| Loan loss allowance to noncurrent loans | 439.8268% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.1784% | 3,543 |
| Noncurrent loans to loans | 0.3015% | 3,198 |
| Net loans and leases to total assets | 58.3814% | 3,385 |
| Net loans and leases to deposits | 72.7532% | 3,066 |
| Net loans and leases to core deposits | 74.4714% | 3,287 |
| Total domestic deposits to total assets | 80.2458% | 3,812 |
| Equity capital to assets | 13.9884% | 855 |
| Core capital (leverage) ratio | 10.7703% | 2,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2810% | 1,425 |
| Memoranda: | ||
| Average total assets | $1,336,953,750 | 667 |
| Average earning assets | $1,220,897,000 | 676 |
| Average equity | $194,263,750 | 511 |
| Average total loans | $841,982,500 | 749 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4319% | 2,122 |
| Cost of funding earning assets | 0.3329% | 4,350 |
| Net interest margin | 4.0990% | 1,116 |
| Noninterest income to average assets | 0.3987% | 3,091 |
| Noninterest expense to average assets | 2.4830% | 3,008 |
| Loan and lease loss provision to assets | 0.3985% | 1,017 |
| Net operating income to assets | 0.9653% | 2,445 |
| Return on assets (ROA) | 1.0624% | 2,228 |
| Pretax return on assets | 1.3679% | 1,809 |
| Return on Equity (ROE) | 7.2136% | 3,050 |
| Retained earnings to average equity (ytd only) | 5.1369% | 2,405 |
| Net charge-offs to loans | -0.0409% | 4,624 |
| Credit loss provision to net charge-offs | -1,506.3953% | 3,841 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3709% | 4,134 |
| Assets per employee ($millions) | 15.1666% | 165 |
| Cash dividends to net income (ytd only)* | 28.7894% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4260% | 1,500 |
| Loan loss allowance to noncurrent loans | 373.6293% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.2432% | 3,348 |
| Noncurrent loans to loans | 0.3817% | 3,045 |
| Net loans and leases to total assets | 62.8007% | 3,031 |
| Net loans and leases to deposits | 76.1095% | 2,847 |
| Net loans and leases to core deposits | 77.9267% | 3,115 |
| Total domestic deposits to total assets | 82.5136% | 3,229 |
| Equity capital to assets | 14.2470% | 796 |
| Core capital (leverage) ratio | 10.9932% | 1,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4335% | 1,653 |
| Memoranda: | ||
| Average total assets | $1,307,851,000 | 665 |
| Average earning assets | $1,189,466,000 | 670 |
| Average equity | $192,607,667 | 515 |
| Average total loans | $841,750,000 | 745 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3312% | 2,820 |
| Cost of funding earning assets | 0.5159% | 3,868 |
| Net interest margin | 3.8152% | 1,916 |
| Noninterest income to average assets | 0.4407% | 2,844 |
| Noninterest expense to average assets | 1.7803% | 4,690 |
| Loan and lease loss provision to assets | 0.5435% | 530 |
| Net operating income to assets | 1.2086% | 1,488 |
| Return on assets (ROA) | 1.3299% | 1,252 |
| Pretax return on assets | 1.7290% | 819 |
| Return on Equity (ROE) | 8.8732% | 2,164 |
| Retained earnings to average equity (ytd only) | 4.6759% | 2,428 |
| Net charge-offs to loans | 0.0102% | 2,208 |
| Credit loss provision to net charge-offs | 8,219.0476% | 90 |
| Earnings coverage of net charge-offs (x) | 320.8095% | 218 |
| Efficiency ratio | 38.6142% | 5,001 |
| Assets per employee ($millions) | 13.9644% | 158 |
| Cash dividends to net income (ytd only)* | 47.3037% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4149% | 1,647 |
| Loan loss allowance to noncurrent loans | 327.8412% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.3472% | 3,051 |
| Noncurrent loans to loans | 0.4316% | 2,958 |
| Net loans and leases to total assets | 65.0947% | 2,931 |
| Net loans and leases to deposits | 79.3292% | 2,746 |
| Net loans and leases to core deposits | 80.9776% | 3,113 |
| Total domestic deposits to total assets | 82.0564% | 3,407 |
| Equity capital to assets | 15.4637% | 683 |
| Core capital (leverage) ratio | 11.5300% | 2,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4032% | 1,781 |
| Memoranda: | ||
| Average total assets | $1,271,697,000 | 655 |
| Average earning assets | $1,152,856,000 | 659 |
| Average equity | $190,596,000 | 518 |
| Average total loans | $822,981,000 | 729 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7977% | 2,047 |
| Cost of funding earning assets | 0.7621% | 2,859 |
| Net interest margin | 4.0355% | 1,729 |
| Noninterest income to average assets | 0.5063% | 2,696 |
| Noninterest expense to average assets | 2.8996% | 2,296 |
| Loan and lease loss provision to assets | 0.0718% | 2,561 |
| Net operating income to assets | 0.9749% | 2,930 |
| Return on assets (ROA) | 1.1516% | 2,348 |
| Pretax return on assets | 1.4713% | 1,897 |
| Return on Equity (ROE) | 8.0626% | 3,139 |
| Retained earnings to average equity (ytd only) | 0.5358% | 4,538 |
| Net charge-offs to loans | 0.0342% | 2,703 |
| Credit loss provision to net charge-offs | 329.5964% | 845 |
| Earnings coverage of net charge-offs (x) | 60.5381% | 970 |
| Efficiency ratio | 62.5602% | 3,281 |
| Assets per employee ($millions) | 12.0599% | 219 |
| Cash dividends to net income (ytd only)* | 93.3548% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6048% | 4,730 |
| Loan loss allowance to noncurrent loans | 198.2325% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.2519% | 3,429 |
| Noncurrent loans to loans | 0.3051% | 3,343 |
| Net loans and leases to total assets | 63.1031% | 3,306 |
| Net loans and leases to deposits | 81.5847% | 2,605 |
| Net loans and leases to core deposits | 83.8007% | 2,972 |
| Total domestic deposits to total assets | 77.3466% | 4,456 |
| Equity capital to assets | 14.5424% | 915 |
| Core capital (leverage) ratio | 11.0744% | 2,431 |
| Tier 1 risk-based capital ratio | 13.9927% | 3,280 |
| Total risk-based capital ratio | 14.4979% | 3,543 |
| Memoranda: | ||
| Average total assets | $1,023,188,400 | 765 |
| Average earning assets | $941,335,600 | 758 |
| Average equity | $146,143,200 | 641 |
| Average total loans | $652,949,800 | 850 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7266% | 2,336 |
| Cost of funding earning assets | 0.8030% | 2,703 |
| Net interest margin | 3.9236% | 2,179 |
| Noninterest income to average assets | 0.5250% | 2,579 |
| Noninterest expense to average assets | 2.9257% | 2,176 |
| Loan and lease loss provision to assets | 0.0558% | 2,793 |
| Net operating income to assets | 0.9013% | 3,343 |
| Return on assets (ROA) | 1.1542% | 2,437 |
| Pretax return on assets | 1.4782% | 2,026 |
| Return on Equity (ROE) | 8.1320% | 3,245 |
| Retained earnings to average equity (ytd only) | 4.1782% | 3,317 |
| Net charge-offs to loans | 0.0432% | 2,233 |
| Credit loss provision to net charge-offs | 202.0305% | 1,298 |
| Earnings coverage of net charge-offs (x) | 43.9188% | 1,286 |
| Efficiency ratio | 64.6411% | 2,920 |
| Assets per employee ($millions) | 10.0473% | 348 |
| Cash dividends to net income (ytd only)* | 48.6204% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5540% | 4,890 |
| Loan loss allowance to noncurrent loans | 135.5855% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 0.3331% | 3,205 |
| Noncurrent loans to loans | 0.4086% | 3,085 |
| Net loans and leases to total assets | 63.1390% | 3,372 |
| Net loans and leases to deposits | 77.8990% | 3,101 |
| Net loans and leases to core deposits | 80.2059% | 3,377 |
| Total domestic deposits to total assets | 81.0524% | 3,741 |
| Equity capital to assets | 14.5703% | 963 |
| Core capital (leverage) ratio | 11.1568% | 2,509 |
| Tier 1 risk-based capital ratio | 14.1706% | 3,238 |
| Total risk-based capital ratio | 14.6420% | 3,538 |
| Memoranda: | ||
| Average total assets | $950,353,250 | 824 |
| Average earning assets | $875,498,750 | 828 |
| Average equity | $134,888,000 | 681 |
| Average total loans | $607,548,500 | 906 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1573% | 4,032 |
| Cost of funding earning assets | 0.7873% | 2,704 |
| Net interest margin | 3.3700% | 3,989 |
| Noninterest income to average assets | 0.5878% | 2,212 |
| Noninterest expense to average assets | 2.8594% | 2,383 |
| Loan and lease loss provision to assets | -0.1628% | 5,238 |
| Net operating income to assets | 0.7930% | 3,683 |
| Return on assets (ROA) | 1.1430% | 2,434 |
| Pretax return on assets | 1.4568% | 2,007 |
| Return on Equity (ROE) | 8.1721% | 3,218 |
| Retained earnings to average equity (ytd only) | 8.1721% | 1,326 |
| Net charge-offs to loans | -0.0941% | 4,991 |
| Credit loss provision to net charge-offs | 269.6356% | 966 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9195% | 2,080 |
| Assets per employee ($millions) | 7.9953% | 677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4829% | 5,039 |
| Loan loss allowance to noncurrent loans | 76.0111% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 0.4417% | 2,754 |
| Noncurrent loans to loans | 0.6353% | 2,350 |
| Net loans and leases to total assets | 64.2951% | 3,307 |
| Net loans and leases to deposits | 78.7422% | 3,090 |
| Net loans and leases to core deposits | 82.1123% | 3,259 |
| Total domestic deposits to total assets | 81.6527% | 3,618 |
| Equity capital to assets | 14.7493% | 877 |
| Core capital (leverage) ratio | 15.0571% | 692 |
| Tier 1 risk-based capital ratio | 14.5006% | 3,070 |
| Total risk-based capital ratio | 14.9217% | 3,394 |
| Memoranda: | ||
| Average total assets | $818,357,000 | 955 |
| Average earning assets | $758,274,670 | 952 |
| Average equity | $114,462,000 | 786 |
| Average total loans | $525,130,330 | 1,021 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9594% | 4,459 |
| Cost of funding earning assets | 0.8421% | 2,316 |
| Net interest margin | 3.1173% | 4,557 |
| Noninterest income to average assets | 0.5170% | 2,454 |
| Noninterest expense to average assets | 3.1638% | 1,588 |
| Loan and lease loss provision to assets | -0.5543% | 5,345 |
| Net operating income to assets | 0.6967% | 3,946 |
| Return on assets (ROA) | 0.8255% | 3,570 |
| Pretax return on assets | 1.0107% | 3,406 |
| Return on Equity (ROE) | 6.3007% | 3,918 |
| Retained earnings to average equity (ytd only) | 6.3007% | 2,318 |
| Net charge-offs to loans | -0.3186% | 5,223 |
| Credit loss provision to net charge-offs | 273.2639% | 875 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0043% | 526 |
| Assets per employee ($millions) | 8.4303% | 576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1902% | 2,632 |
| Loan loss allowance to noncurrent loans | 71.6619% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 0.9971% | 1,406 |
| Noncurrent loans to loans | 1.6608% | 937 |
| Net loans and leases to total assets | 59.3232% | 3,761 |
| Net loans and leases to deposits | 70.7343% | 3,715 |
| Net loans and leases to core deposits | 71.5119% | 3,981 |
| Total domestic deposits to total assets | 83.8676% | 3,092 |
| Equity capital to assets | 13.4622% | 1,220 |
| Core capital (leverage) ratio | 12.1695% | 1,684 |
| Tier 1 risk-based capital ratio | 16.6214% | 2,219 |
| Total risk-based capital ratio | 17.5815% | 2,271 |
| Memoranda: | ||
| Average total assets | $567,922,500 | 1,285 |
| Average earning assets | $536,744,500 | 1,262 |
| Average equity | $74,405,000 | 1,144 |
| Average total loans | $361,538,500 | 1,400 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0287% | 3,946 |
| Cost of funding earning assets | 0.7760% | 1,657 |
| Net interest margin | 3.2527% | 4,372 |
| Noninterest income to average assets | 0.5072% | 2,794 |
| Noninterest expense to average assets | 2.8923% | 2,381 |
| Loan and lease loss provision to assets | 0.2140% | 858 |
| Net operating income to assets | 0.4307% | 4,808 |
| Return on assets (ROA) | 0.4293% | 4,806 |
| Pretax return on assets | 0.4777% | 4,832 |
| Return on Equity (ROE) | 3.6451% | 4,787 |
| Retained earnings to average equity (ytd only) | 0.1881% | 4,930 |
| Net charge-offs to loans | 0.4449% | 410 |
| Credit loss provision to net charge-offs | 70.3050% | 2,989 |
| Earnings coverage of net charge-offs (x) | 2.2772% | 3,538 |
| Efficiency ratio | 76.3650% | 1,308 |
| Assets per employee ($millions) | 8.1573% | 627 |
| Cash dividends to net income (ytd only)* | 94.8407% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1811% | 2,666 |
| Loan loss allowance to noncurrent loans | 71.2938% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 1.1140% | 1,200 |
| Noncurrent loans to loans | 1.6567% | 881 |
| Net loans and leases to total assets | 66.4485% | 3,064 |
| Net loans and leases to deposits | 77.5182% | 3,225 |
| Net loans and leases to core deposits | 78.5340% | 3,535 |
| Total domestic deposits to total assets | 85.7199% | 2,358 |
| Equity capital to assets | 12.7442% | 1,463 |
| Core capital (leverage) ratio | 11.3097% | 2,263 |
| Tier 1 risk-based capital ratio | 15.1320% | 2,766 |
| Total risk-based capital ratio | 16.1437% | 2,813 |
| Memoranda: | ||
| Average total assets | $613,973,400 | 1,178 |
| Average earning assets | $581,058,400 | 1,156 |
| Average equity | $72,316,800 | 1,124 |
| Average total loans | $420,137,200 | 1,206 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9714% | 4,018 |
| Cost of funding earning assets | 0.7312% | 1,675 |
| Net interest margin | 3.2401% | 4,432 |
| Noninterest income to average assets | 0.5430% | 2,604 |
| Noninterest expense to average assets | 2.9231% | 2,244 |
| Loan and lease loss provision to assets | 0.1172% | 1,735 |
| Net operating income to assets | 0.5013% | 4,760 |
| Return on assets (ROA) | 0.4934% | 4,779 |
| Pretax return on assets | 0.5626% | 4,796 |
| Return on Equity (ROE) | 4.2693% | 4,760 |
| Retained earnings to average equity (ytd only) | -0.3472% | 5,084 |
| Net charge-offs to loans | 0.0811% | 1,710 |
| Credit loss provision to net charge-offs | 210.3448% | 1,330 |
| Earnings coverage of net charge-offs (x) | 12.3640% | 2,456 |
| Efficiency ratio | 76.6531% | 1,273 |
| Assets per employee ($millions) | 8.2331% | 592 |
| Cash dividends to net income (ytd only)* | 108.1315% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3582% | 1,851 |
| Loan loss allowance to noncurrent loans | 94.4835% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 1.1028% | 1,304 |
| Noncurrent loans to loans | 1.4375% | 1,149 |
| Net loans and leases to total assets | 65.8885% | 3,192 |
| Net loans and leases to deposits | 76.4110% | 3,377 |
| Net loans and leases to core deposits | 80.7757% | 3,435 |
| Total domestic deposits to total assets | 86.2291% | 2,086 |
| Equity capital to assets | 12.0811% | 1,848 |
| Core capital (leverage) ratio | 11.2409% | 2,385 |
| Tier 1 risk-based capital ratio | 14.6417% | 3,049 |
| Total risk-based capital ratio | 15.8121% | 3,009 |
| Memoranda: | ||
| Average total assets | $624,713,750 | 1,163 |
| Average earning assets | $591,689,750 | 1,135 |
| Average equity | $72,203,250 | 1,127 |
| Average total loans | $429,180,500 | 1,184 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9577% | 3,908 |
| Cost of funding earning assets | 0.6673% | 1,828 |
| Net interest margin | 3.2904% | 4,275 |
| Noninterest income to average assets | 0.6403% | 2,139 |
| Noninterest expense to average assets | 2.8331% | 2,567 |
| Loan and lease loss provision to assets | 0.0966% | 2,001 |
| Net operating income to assets | 0.6905% | 4,220 |
| Return on assets (ROA) | 0.6758% | 4,272 |
| Pretax return on assets | 0.8096% | 4,216 |
| Return on Equity (ROE) | 5.9310% | 4,263 |
| Retained earnings to average equity (ytd only) | 0.4061% | 4,891 |
| Net charge-offs to loans | -0.0373% | 4,816 |
| Credit loss provision to net charge-offs | -374.3902% | 4,315 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3615% | 2,103 |
| Assets per employee ($millions) | 7.7260% | 701 |
| Cash dividends to net income (ytd only)* | 93.1532% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2828% | 2,251 |
| Loan loss allowance to noncurrent loans | 95.9545% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 1.1428% | 1,282 |
| Noncurrent loans to loans | 1.3369% | 1,269 |
| Net loans and leases to total assets | 69.9642% | 2,588 |
| Net loans and leases to deposits | 84.5282% | 2,475 |
| Net loans and leases to core deposits | 89.0075% | 2,648 |
| Total domestic deposits to total assets | 82.7702% | 3,476 |
| Equity capital to assets | 11.9226% | 1,906 |
| Core capital (leverage) ratio | 10.7568% | 2,747 |
| Tier 1 risk-based capital ratio | 13.6740% | 3,521 |
| Total risk-based capital ratio | 14.7874% | 3,505 |
| Memoranda: | ||
| Average total assets | $635,356,330 | 1,147 |
| Average earning assets | $601,819,000 | 1,113 |
| Average equity | $72,399,330 | 1,122 |
| Average total loans | $440,255,330 | 1,164 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8630% | 4,037 |
| Cost of funding earning assets | 0.6006% | 2,053 |
| Net interest margin | 3.2624% | 4,285 |
| Noninterest income to average assets | 0.6721% | 1,948 |
| Noninterest expense to average assets | 2.9154% | 2,305 |
| Loan and lease loss provision to assets | -0.0681% | 5,482 |
| Net operating income to assets | 0.7682% | 3,837 |
| Return on assets (ROA) | 0.7279% | 4,001 |
| Pretax return on assets | 0.8801% | 3,908 |
| Return on Equity (ROE) | 6.5277% | 3,971 |
| Retained earnings to average equity (ytd only) | 1.0237% | 4,626 |
| Net charge-offs to loans | -0.0519% | 4,983 |
| Credit loss provision to net charge-offs | 191.3793% | 1,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2770% | 2,003 |
| Assets per employee ($millions) | 8.4230% | 541 |
| Cash dividends to net income (ytd only)* | 84.3170% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1320% | 3,195 |
| Loan loss allowance to noncurrent loans | 156.4772% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 0.6778% | 2,301 |
| Noncurrent loans to loans | 0.7234% | 2,401 |
| Net loans and leases to total assets | 67.8291% | 2,787 |
| Net loans and leases to deposits | 78.8138% | 2,936 |
| Net loans and leases to core deposits | 87.5568% | 2,674 |
| Total domestic deposits to total assets | 86.0625% | 2,519 |
| Equity capital to assets | 11.1668% | 2,412 |
| Core capital (leverage) ratio | 10.2174% | 3,283 |
| Tier 1 risk-based capital ratio | 13.0843% | 3,906 |
| Total risk-based capital ratio | 14.0667% | 3,942 |
| Memoranda: | ||
| Average total assets | $651,719,500 | 1,130 |
| Average earning assets | $620,041,500 | 1,101 |
| Average equity | $72,674,500 | 1,127 |
| Average total loans | $446,831,000 | 1,159 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6836% | 4,375 |
| Cost of funding earning assets | 0.3641% | 3,575 |
| Net interest margin | 3.3195% | 4,097 |
| Noninterest income to average assets | 0.5219% | 2,868 |
| Noninterest expense to average assets | 2.4828% | 3,843 |
| Loan and lease loss provision to assets | -0.2114% | 5,581 |
| Net operating income to assets | 0.8878% | 2,780 |
| Return on assets (ROA) | 0.8874% | 2,805 |
| Pretax return on assets | 1.4135% | 1,946 |
| Return on Equity (ROE) | 8.3217% | 2,637 |
| Retained earnings to average equity (ytd only) | -14.1628% | 5,585 |
| Net charge-offs to loans | 0.0596% | 2,615 |
| Credit loss provision to net charge-offs | -540.0662% | 4,958 |
| Earnings coverage of net charge-offs (x) | 30.7252% | 1,520 |
| Efficiency ratio | 63.6082% | 3,664 |
| Assets per employee ($millions) | 8.2895% | 577 |
| Cash dividends to net income (ytd only)* | 270.1913% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1344% | 3,149 |
| Loan loss allowance to noncurrent loans | 147.9221% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 0.7052% | 2,213 |
| Noncurrent loans to loans | 0.7669% | 2,292 |
| Net loans and leases to total assets | 67.7411% | 2,860 |
| Net loans and leases to deposits | 78.7060% | 3,040 |
| Net loans and leases to core deposits | 89.9474% | 2,573 |
| Total domestic deposits to total assets | 86.0686% | 2,401 |
| Equity capital to assets | 11.1358% | 2,501 |
| Core capital (leverage) ratio | 9.4713% | 4,085 |
| Tier 1 risk-based capital ratio | 12.4666% | 4,226 |
| Total risk-based capital ratio | 13.4188% | 4,313 |
| Memoranda: | ||
| Average total assets | $771,553,200 | 964 |
| Average earning assets | $735,291,400 | 932 |
| Average equity | $82,278,800 | 983 |
| Average total loans | $506,630,600 | 1,011 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6681% | 4,401 |
| Cost of funding earning assets | 0.3105% | 4,020 |
| Net interest margin | 3.3576% | 3,989 |
| Noninterest income to average assets | 0.5288% | 2,845 |
| Noninterest expense to average assets | 2.4937% | 3,760 |
| Loan and lease loss provision to assets | -0.2671% | 5,686 |
| Net operating income to assets | 1.0391% | 2,375 |
| Return on assets (ROA) | 1.0319% | 2,444 |
| Pretax return on assets | 1.4929% | 1,794 |
| Return on Equity (ROE) | 9.7645% | 2,224 |
| Retained earnings to average equity (ytd only) | 1.8861% | 4,683 |
| Net charge-offs to loans | 0.0755% | 2,063 |
| Credit loss provision to net charge-offs | -543.7288% | 4,824 |
| Earnings coverage of net charge-offs (x) | 25.1697% | 1,742 |
| Efficiency ratio | 63.2070% | 3,680 |
| Assets per employee ($millions) | 8.8796% | 457 |
| Cash dividends to net income (ytd only)* | 80.6842% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0945% | 3,514 |
| Loan loss allowance to noncurrent loans | 274.4510% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 0.4232% | 3,327 |
| Noncurrent loans to loans | 0.3988% | 3,523 |
| Net loans and leases to total assets | 64.3796% | 3,336 |
| Net loans and leases to deposits | 76.4876% | 3,325 |
| Net loans and leases to core deposits | 92.9713% | 2,350 |
| Total domestic deposits to total assets | 84.1701% | 3,057 |
| Equity capital to assets | 11.9146% | 2,021 |
| Core capital (leverage) ratio | 10.9013% | 2,547 |
| Tier 1 risk-based capital ratio | 14.0990% | 3,395 |
| Total risk-based capital ratio | 15.0122% | 3,483 |
| Memoranda: | ||
| Average total assets | $800,723,750 | 938 |
| Average earning assets | $763,419,500 | 906 |
| Average equity | $84,617,250 | 968 |
| Average total loans | $521,111,500 | 987 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6371% | 4,405 |
| Cost of funding earning assets | 0.2465% | 4,573 |
| Net interest margin | 3.3906% | 3,806 |
| Noninterest income to average assets | 0.5353% | 2,795 |
| Noninterest expense to average assets | 2.4214% | 3,990 |
| Loan and lease loss provision to assets | -0.2249% | 5,710 |
| Net operating income to assets | 1.0856% | 2,057 |
| Return on assets (ROA) | 1.0719% | 2,162 |
| Pretax return on assets | 1.5555% | 1,473 |
| Return on Equity (ROE) | 10.5319% | 1,818 |
| Retained earnings to average equity (ytd only) | 3.4110% | 3,682 |
| Net charge-offs to loans | 0.1058% | 1,568 |
| Credit loss provision to net charge-offs | -326.6667% | 4,580 |
| Earnings coverage of net charge-offs (x) | 19.6140% | 1,823 |
| Efficiency ratio | 60.7058% | 4,211 |
| Assets per employee ($millions) | 9.3536% | 366 |
| Cash dividends to net income (ytd only)* | 67.6133% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1256% | 3,442 |
| Loan loss allowance to noncurrent loans | 923.2114% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.2414% | 4,175 |
| Noncurrent loans to loans | 0.1219% | 4,630 |
| Net loans and leases to total assets | 68.1666% | 2,791 |
| Net loans and leases to deposits | 81.2415% | 2,771 |
| Net loans and leases to core deposits | 89.9190% | 2,534 |
| Total domestic deposits to total assets | 83.9062% | 3,236 |
| Equity capital to assets | 11.4254% | 2,393 |
| Core capital (leverage) ratio | 9.7536% | 3,829 |
| Tier 1 risk-based capital ratio | 13.0319% | 3,977 |
| Total risk-based capital ratio | 13.9864% | 4,067 |
| Memoranda: | ||
| Average total assets | $827,883,000 | 911 |
| Average earning assets | $790,251,330 | 880 |
| Average equity | $84,258,000 | 972 |
| Average total loans | $538,758,000 | 956 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5674% | 4,504 |
| Cost of funding earning assets | 0.2119% | 4,864 |
| Net interest margin | 3.3555% | 3,818 |
| Noninterest income to average assets | 0.5431% | 2,693 |
| Noninterest expense to average assets | 2.4424% | 3,988 |
| Loan and lease loss provision to assets | -0.2305% | 5,797 |
| Net operating income to assets | 1.0670% | 2,001 |
| Return on assets (ROA) | 1.0266% | 2,237 |
| Pretax return on assets | 1.4840% | 1,589 |
| Return on Equity (ROE) | 10.6505% | 1,686 |
| Retained earnings to average equity (ytd only) | 3.4768% | 3,698 |
| Net charge-offs to loans | 0.1403% | 1,098 |
| Credit loss provision to net charge-offs | -259.0674% | 4,089 |
| Earnings coverage of net charge-offs (x) | 14.7461% | 1,710 |
| Efficiency ratio | 61.7141% | 4,194 |
| Assets per employee ($millions) | 10.7632% | 240 |
| Cash dividends to net income (ytd only)* | 67.3552% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1473% | 3,428 |
| Loan loss allowance to noncurrent loans | 746.4623% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.2323% | 4,293 |
| Noncurrent loans to loans | 0.1537% | 4,572 |
| Net loans and leases to total assets | 62.5570% | 3,458 |
| Net loans and leases to deposits | 75.6349% | 3,241 |
| Net loans and leases to core deposits | 76.7277% | 3,583 |
| Total domestic deposits to total assets | 82.7093% | 3,944 |
| Equity capital to assets | 9.6487% | 4,127 |
| Core capital (leverage) ratio | 9.0650% | 4,662 |
| Tier 1 risk-based capital ratio | 11.8230% | 4,834 |
| Total risk-based capital ratio | 12.7717% | 4,920 |
| Memoranda: | ||
| Average total assets | $867,681,500 | 874 |
| Average earning assets | $830,401,500 | 844 |
| Average equity | $83,639,500 | 975 |
| Average total loans | $550,193,000 | 937 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5446% | 4,651 |
| Cost of funding earning assets | 0.2257% | 4,778 |
| Net interest margin | 3.3189% | 4,089 |
| Noninterest income to average assets | 0.5308% | 3,027 |
| Noninterest expense to average assets | 2.3087% | 4,537 |
| Loan and lease loss provision to assets | 0.1218% | 2,027 |
| Net operating income to assets | 0.8713% | 2,974 |
| Return on assets (ROA) | 1.0224% | 2,355 |
| Pretax return on assets | 1.5107% | 1,553 |
| Return on Equity (ROE) | 10.6532% | 1,707 |
| Retained earnings to average equity (ytd only) | 6.4562% | 1,473 |
| Net charge-offs to loans | -0.0165% | 5,075 |
| Credit loss provision to net charge-offs | -1,188.7640% | 5,322 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3488% | 4,809 |
| Assets per employee ($millions) | 10.1593% | 291 |
| Cash dividends to net income (ytd only)* | 39.3967% | 2,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2800% | 2,655 |
| Loan loss allowance to noncurrent loans | 371.1945% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.2191% | 4,431 |
| Noncurrent loans to loans | 0.3448% | 3,900 |
| Net loans and leases to total assets | 62.7240% | 3,510 |
| Net loans and leases to deposits | 73.3906% | 3,577 |
| Net loans and leases to core deposits | 74.5422% | 3,872 |
| Total domestic deposits to total assets | 85.4659% | 2,847 |
| Equity capital to assets | 9.6301% | 4,142 |
| Core capital (leverage) ratio | 9.1246% | 4,588 |
| Tier 1 risk-based capital ratio | 11.3455% | 5,143 |
| Total risk-based capital ratio | 12.3606% | 5,164 |
| Memoranda: | ||
| Average total assets | $868,957,400 | 835 |
| Average earning assets | $834,725,600 | 791 |
| Average equity | $83,392,800 | 956 |
| Average total loans | $537,861,000 | 921 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5337% | 4,722 |
| Cost of funding earning assets | 0.2306% | 4,784 |
| Net interest margin | 3.3031% | 4,176 |
| Noninterest income to average assets | 0.5236% | 3,088 |
| Noninterest expense to average assets | 2.3429% | 4,427 |
| Loan and lease loss provision to assets | 0.0945% | 2,337 |
| Net operating income to assets | 0.8257% | 3,254 |
| Return on assets (ROA) | 0.9751% | 2,673 |
| Pretax return on assets | 1.4912% | 1,737 |
| Return on Equity (ROE) | 10.1694% | 1,984 |
| Retained earnings to average equity (ytd only) | 5.3763% | 2,567 |
| Net charge-offs to loans | -0.0002% | 4,410 |
| Credit loss provision to net charge-offs | -61,700.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5220% | 4,611 |
| Assets per employee ($millions) | 9.6940% | 325 |
| Cash dividends to net income (ytd only)* | 47.1328% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2044% | 3,208 |
| Loan loss allowance to noncurrent loans | 2,387.5000% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.0315% | 5,369 |
| Noncurrent loans to loans | 0.0504% | 5,157 |
| Net loans and leases to total assets | 61.7428% | 3,666 |
| Net loans and leases to deposits | 78.7808% | 3,108 |
| Net loans and leases to core deposits | 80.3981% | 3,406 |
| Total domestic deposits to total assets | 78.3729% | 4,837 |
| Equity capital to assets | 9.8535% | 4,298 |
| Core capital (leverage) ratio | 8.8808% | 4,966 |
| Tier 1 risk-based capital ratio | 10.9587% | 5,389 |
| Total risk-based capital ratio | 11.8954% | 5,470 |
| Memoranda: | ||
| Average total assets | $870,310,750 | 832 |
| Average earning assets | $836,618,000 | 785 |
| Average equity | $83,451,000 | 964 |
| Average total loans | $535,158,250 | 921 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5330% | 4,783 |
| Cost of funding earning assets | 0.2375% | 4,778 |
| Net interest margin | 3.2955% | 4,255 |
| Noninterest income to average assets | 0.4746% | 3,372 |
| Noninterest expense to average assets | 2.3363% | 4,511 |
| Loan and lease loss provision to assets | -0.0591% | 5,835 |
| Net operating income to assets | 0.8611% | 3,046 |
| Return on assets (ROA) | 1.0673% | 2,218 |
| Pretax return on assets | 1.6858% | 1,131 |
| Return on Equity (ROE) | 11.2335% | 1,560 |
| Retained earnings to average equity (ytd only) | 7.6160% | 1,334 |
| Net charge-offs to loans | 0.0131% | 3,282 |
| Credit loss provision to net charge-offs | -737.1429% | 5,023 |
| Earnings coverage of net charge-offs (x) | 162.6571% | 390 |
| Efficiency ratio | 60.2996% | 4,605 |
| Assets per employee ($millions) | 9.3674% | 345 |
| Cash dividends to net income (ytd only)* | 32.2027% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0672% | 4,124 |
| Loan loss allowance to noncurrent loans | 1,622.9651% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.0408% | 5,412 |
| Noncurrent loans to loans | 0.0658% | 5,190 |
| Net loans and leases to total assets | 61.3927% | 3,695 |
| Net loans and leases to deposits | 74.3576% | 3,545 |
| Net loans and leases to core deposits | 76.9751% | 3,738 |
| Total domestic deposits to total assets | 82.5642% | 3,810 |
| Equity capital to assets | 10.0847% | 4,119 |
| Core capital (leverage) ratio | 8.8986% | 4,939 |
| Tier 1 risk-based capital ratio | 11.1616% | 5,333 |
| Total risk-based capital ratio | 11.9879% | 5,475 |
| Memoranda: | ||
| Average total assets | $872,825,000 | 836 |
| Average earning assets | $838,600,330 | 786 |
| Average equity | $82,930,330 | 963 |
| Average total loans | $533,814,000 | 917 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5529% | 4,755 |
| Cost of funding earning assets | 0.2441% | 4,761 |
| Net interest margin | 3.3088% | 4,192 |
| Noninterest income to average assets | 0.4402% | 3,545 |
| Noninterest expense to average assets | 2.2737% | 4,728 |
| Loan and lease loss provision to assets | -0.0523% | 5,947 |
| Net operating income to assets | 0.8782% | 2,860 |
| Return on assets (ROA) | 1.1378% | 1,873 |
| Pretax return on assets | 1.8123% | 833 |
| Return on Equity (ROE) | 12.3344% | 1,209 |
| Retained earnings to average equity (ytd only) | 5.0070% | 2,936 |
| Net charge-offs to loans | 0.0223% | 2,485 |
| Credit loss provision to net charge-offs | -386.6667% | 4,484 |
| Earnings coverage of net charge-offs (x) | 100.2000% | 535 |
| Efficiency ratio | 58.8425% | 4,896 |
| Assets per employee ($millions) | 10.0286% | 274 |
| Cash dividends to net income (ytd only)* | 59.4059% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0646% | 4,259 |
| Loan loss allowance to noncurrent loans | 1,104.0462% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.0633% | 5,350 |
| Noncurrent loans to loans | 0.0964% | 5,086 |
| Net loans and leases to total assets | 61.0307% | 3,646 |
| Net loans and leases to deposits | 76.2475% | 3,192 |
| Net loans and leases to core deposits | 78.9167% | 3,413 |
| Total domestic deposits to total assets | 80.0428% | 4,736 |
| Equity capital to assets | 9.5396% | 4,635 |
| Core capital (leverage) ratio | 8.3419% | 5,524 |
| Tier 1 risk-based capital ratio | 10.4318% | 5,780 |
| Total risk-based capital ratio | 11.2462% | 5,866 |
| Memoranda: | ||
| Average total assets | $887,703,000 | 821 |
| Average earning assets | $855,291,000 | 775 |
| Average equity | $81,885,000 | 977 |
| Average total loans | $539,138,000 | 907 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5801% | 4,724 |
| Cost of funding earning assets | 0.3195% | 4,038 |
| Net interest margin | 3.2606% | 4,436 |
| Noninterest income to average assets | 0.4029% | 4,014 |
| Noninterest expense to average assets | 2.3775% | 4,566 |
| Loan and lease loss provision to assets | 0.4460% | 276 |
| Net operating income to assets | 0.4677% | 4,821 |
| Return on assets (ROA) | 0.7212% | 3,808 |
| Pretax return on assets | 1.0923% | 3,097 |
| Return on Equity (ROE) | 8.0916% | 2,908 |
| Retained earnings to average equity (ytd only) | 6.1778% | 1,714 |
| Net charge-offs to loans | 0.0700% | 2,845 |
| Credit loss provision to net charge-offs | 1,117.3789% | 305 |
| Earnings coverage of net charge-offs (x) | 28.9145% | 1,489 |
| Efficiency ratio | 62.9367% | 4,451 |
| Assets per employee ($millions) | 9.9222% | 284 |
| Cash dividends to net income (ytd only)* | 23.6518% | 3,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0880% | 4,109 |
| Loan loss allowance to noncurrent loans | 673.8532% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.1001% | 5,208 |
| Noncurrent loans to loans | 0.1615% | 4,848 |
| Net loans and leases to total assets | 59.1620% | 3,945 |
| Net loans and leases to deposits | 74.8588% | 3,394 |
| Net loans and leases to core deposits | 77.4830% | 3,609 |
| Total domestic deposits to total assets | 79.0315% | 4,975 |
| Equity capital to assets | 8.9198% | 5,200 |
| Core capital (leverage) ratio | 8.0723% | 5,792 |
| Tier 1 risk-based capital ratio | 10.7127% | 5,668 |
| Total risk-based capital ratio | 11.5826% | 5,775 |
| Memoranda: | ||
| Average total assets | $879,325,800 | 781 |
| Average earning assets | $843,778,400 | 747 |
| Average equity | $78,377,800 | 970 |
| Average total loans | $501,710,200 | 936 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6361% | 4,623 |
| Cost of funding earning assets | 0.3408% | 3,849 |
| Net interest margin | 3.2953% | 4,370 |
| Noninterest income to average assets | 0.4027% | 4,066 |
| Noninterest expense to average assets | 2.3394% | 4,680 |
| Loan and lease loss provision to assets | 0.5077% | 203 |
| Net operating income to assets | 0.4723% | 4,885 |
| Return on assets (ROA) | 0.8008% | 3,521 |
| Pretax return on assets | 1.2136% | 2,760 |
| Return on Equity (ROE) | 8.9860% | 2,588 |
| Retained earnings to average equity (ytd only) | 6.4166% | 2,010 |
| Net charge-offs to loans | 0.1382% | 1,742 |
| Credit loss provision to net charge-offs | 652.1569% | 521 |
| Earnings coverage of net charge-offs (x) | 15.7158% | 2,160 |
| Efficiency ratio | 61.1997% | 4,691 |
| Assets per employee ($millions) | 9.8264% | 289 |
| Cash dividends to net income (ytd only)* | 28.5932% | 2,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9696% | 4,897 |
| Loan loss allowance to noncurrent loans | 531.7757% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.1140% | 5,294 |
| Noncurrent loans to loans | 0.1823% | 4,917 |
| Net loans and leases to total assets | 61.8895% | 3,626 |
| Net loans and leases to deposits | 80.4475% | 2,826 |
| Net loans and leases to core deposits | 83.5978% | 3,085 |
| Total domestic deposits to total assets | 76.9315% | 5,352 |
| Equity capital to assets | 9.5497% | 4,691 |
| Core capital (leverage) ratio | 8.6227% | 5,439 |
| Tier 1 risk-based capital ratio | 10.7513% | 5,780 |
| Total risk-based capital ratio | 11.5097% | 5,905 |
| Memoranda: | ||
| Average total assets | $873,428,000 | 793 |
| Average earning assets | $837,612,500 | 758 |
| Average equity | $77,837,750 | 981 |
| Average total loans | $492,122,750 | 957 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6521% | 4,568 |
| Cost of funding earning assets | 0.3720% | 3,577 |
| Net interest margin | 3.2801% | 4,373 |
| Noninterest income to average assets | 0.3679% | 4,307 |
| Noninterest expense to average assets | 2.3414% | 4,740 |
| Loan and lease loss provision to assets | 0.6669% | 129 |
| Net operating income to assets | 0.3231% | 5,376 |
| Return on assets (ROA) | 0.7299% | 3,855 |
| Pretax return on assets | 1.1388% | 3,012 |
| Return on Equity (ROE) | 8.3815% | 2,857 |
| Retained earnings to average equity (ytd only) | 4.4795% | 3,163 |
| Net charge-offs to loans | 0.2087% | 1,213 |
| Credit loss provision to net charge-offs | 587.6248% | 565 |
| Earnings coverage of net charge-offs (x) | 10.3094% | 2,370 |
| Efficiency ratio | 62.2024% | 4,647 |
| Assets per employee ($millions) | 9.6717% | 292 |
| Cash dividends to net income (ytd only)* | 46.5549% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9094% | 5,269 |
| Loan loss allowance to noncurrent loans | 647.7490% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.0852% | 5,524 |
| Noncurrent loans to loans | 0.1404% | 5,188 |
| Net loans and leases to total assets | 60.1031% | 3,824 |
| Net loans and leases to deposits | 78.0886% | 3,012 |
| Net loans and leases to core deposits | 80.9263% | 3,287 |
| Total domestic deposits to total assets | 76.9678% | 5,460 |
| Equity capital to assets | 8.9974% | 5,234 |
| Core capital (leverage) ratio | 8.0227% | 5,920 |
| Tier 1 risk-based capital ratio | 10.0955% | 6,054 |
| Total risk-based capital ratio | 10.7908% | 6,175 |
| Memoranda: | ||
| Average total assets | $882,881,670 | 793 |
| Average earning assets | $846,140,000 | 758 |
| Average equity | $76,883,330 | 1,000 |
| Average total loans | $480,120,670 | 975 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6015% | 4,687 |
| Cost of funding earning assets | 0.4457% | 2,819 |
| Net interest margin | 3.1558% | 4,765 |
| Noninterest income to average assets | 0.3786% | 4,171 |
| Noninterest expense to average assets | 2.3563% | 4,719 |
| Loan and lease loss provision to assets | 0.4041% | 281 |
| Net operating income to assets | 0.4057% | 5,053 |
| Return on assets (ROA) | 0.7410% | 3,718 |
| Pretax return on assets | 1.1647% | 2,812 |
| Return on Equity (ROE) | 8.6474% | 2,626 |
| Retained earnings to average equity (ytd only) | 6.0365% | 2,482 |
| Net charge-offs to loans | 0.0096% | 3,016 |
| Credit loss provision to net charge-offs | 8,209.0909% | 41 |
| Earnings coverage of net charge-offs (x) | 212.2727% | 270 |
| Efficiency ratio | 64.7152% | 4,362 |
| Assets per employee ($millions) | 10.3454% | 236 |
| Cash dividends to net income (ytd only)* | 30.1932% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6725% | 5,951 |
| Loan loss allowance to noncurrent loans | 788.1773% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.1249% | 5,460 |
| Noncurrent loans to loans | 0.0853% | 5,441 |
| Net loans and leases to total assets | 53.1212% | 4,542 |
| Net loans and leases to deposits | 67.8462% | 3,972 |
| Net loans and leases to core deposits | 70.2638% | 4,126 |
| Total domestic deposits to total assets | 78.2965% | 5,395 |
| Equity capital to assets | 8.7549% | 5,542 |
| Core capital (leverage) ratio | 7.4386% | 6,166 |
| Tier 1 risk-based capital ratio | 10.4259% | 6,035 |
| Total risk-based capital ratio | 10.9442% | 6,205 |
| Memoranda: | ||
| Average total assets | $893,932,000 | 787 |
| Average earning assets | $856,203,000 | 753 |
| Average equity | $76,601,000 | 999 |
| Average total loans | $459,129,000 | 1,009 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6759% | 4,860 |
| Cost of funding earning assets | 0.4269% | 3,419 |
| Net interest margin | 3.2489% | 4,755 |
| Noninterest income to average assets | 0.4477% | 3,848 |
| Noninterest expense to average assets | 2.2548% | 5,226 |
| Loan and lease loss provision to assets | 0.2161% | 1,151 |
| Net operating income to assets | 0.6663% | 4,056 |
| Return on assets (ROA) | 0.7806% | 3,556 |
| Pretax return on assets | 1.2474% | 2,454 |
| Return on Equity (ROE) | 9.0524% | 2,560 |
| Retained earnings to average equity (ytd only) | 1.7252% | 4,957 |
| Net charge-offs to loans | -0.0043% | 5,451 |
| Credit loss provision to net charge-offs | -10,450.0000% | 6,093 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7122% | 5,374 |
| Assets per employee ($millions) | 10.2064% | 233 |
| Cash dividends to net income (ytd only)* | 80.9419% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5210% | 6,232 |
| Loan loss allowance to noncurrent loans | 606.5789% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.1533% | 5,413 |
| Noncurrent loans to loans | 0.0859% | 5,541 |
| Net loans and leases to total assets | 49.0037% | 5,065 |
| Net loans and leases to deposits | 62.6063% | 4,670 |
| Net loans and leases to core deposits | 64.6228% | 4,783 |
| Total domestic deposits to total assets | 78.2728% | 5,381 |
| Equity capital to assets | 8.3848% | 5,841 |
| Core capital (leverage) ratio | 7.3440% | 6,251 |
| Tier 1 risk-based capital ratio | 11.5932% | 5,612 |
| Total risk-based capital ratio | 12.0181% | 5,941 |
| Memoranda: | ||
| Average total assets | $870,505,000 | 768 |
| Average earning assets | $828,459,600 | 739 |
| Average equity | $75,062,600 | 975 |
| Average total loans | $420,264,200 | 1,046 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6968% | 4,873 |
| Cost of funding earning assets | 0.4329% | 3,440 |
| Net interest margin | 3.2640% | 4,745 |
| Noninterest income to average assets | 0.3454% | 4,678 |
| Noninterest expense to average assets | 2.2309% | 5,279 |
| Loan and lease loss provision to assets | 0.2384% | 925 |
| Net operating income to assets | 0.6151% | 4,375 |
| Return on assets (ROA) | 0.7161% | 3,959 |
| Pretax return on assets | 1.1351% | 3,048 |
| Return on Equity (ROE) | 8.2450% | 3,070 |
| Retained earnings to average equity (ytd only) | 6.4673% | 2,122 |
| Net charge-offs to loans | -0.0408% | 5,837 |
| Credit loss provision to net charge-offs | -1,215.7480% | 5,901 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4651% | 5,256 |
| Assets per employee ($millions) | 9.7455% | 263 |
| Cash dividends to net income (ytd only)* | 21.5610% | 3,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4663% | 6,372 |
| Loan loss allowance to noncurrent loans | 400.1927% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.1826% | 5,481 |
| Noncurrent loans to loans | 0.1165% | 5,576 |
| Net loans and leases to total assets | 51.1186% | 4,885 |
| Net loans and leases to deposits | 64.5535% | 4,478 |
| Net loans and leases to core deposits | 67.0443% | 4,605 |
| Total domestic deposits to total assets | 79.1879% | 5,282 |
| Equity capital to assets | 8.8777% | 5,486 |
| Core capital (leverage) ratio | 7.7168% | 6,210 |
| Tier 1 risk-based capital ratio | 12.5257% | 5,156 |
| Total risk-based capital ratio | 12.9267% | 5,606 |
| Memoranda: | ||
| Average total assets | $863,591,000 | 776 |
| Average earning assets | $820,537,500 | 747 |
| Average equity | $75,001,000 | 981 |
| Average total loans | $414,721,000 | 1,060 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6323% | 5,060 |
| Cost of funding earning assets | 0.4373% | 3,469 |
| Net interest margin | 3.1951% | 4,963 |
| Noninterest income to average assets | 0.4133% | 4,146 |
| Noninterest expense to average assets | 2.2135% | 5,378 |
| Loan and lease loss provision to assets | 0.2639% | 790 |
| Net operating income to assets | 0.6042% | 4,337 |
| Return on assets (ROA) | 0.6986% | 3,936 |
| Pretax return on assets | 1.1133% | 3,045 |
| Return on Equity (ROE) | 8.1039% | 3,031 |
| Retained earnings to average equity (ytd only) | 8.1039% | 1,288 |
| Net charge-offs to loans | -0.0974% | 6,133 |
| Credit loss provision to net charge-offs | -577.6650% | 5,605 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0125% | 5,428 |
| Assets per employee ($millions) | 7.8238% | 543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4070% | 6,484 |
| Loan loss allowance to noncurrent loans | 473.0978% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.2425% | 5,370 |
| Noncurrent loans to loans | 0.0860% | 5,762 |
| Net loans and leases to total assets | 50.8841% | 4,869 |
| Net loans and leases to deposits | 62.6272% | 4,629 |
| Net loans and leases to core deposits | 65.0994% | 4,721 |
| Total domestic deposits to total assets | 81.2492% | 4,899 |
| Equity capital to assets | 9.1773% | 5,130 |
| Core capital (leverage) ratio | 7.7016% | 6,246 |
| Tier 1 risk-based capital ratio | 12.7723% | 5,054 |
| Total risk-based capital ratio | 13.1206% | 5,539 |
| Memoranda: | ||
| Average total assets | $862,339,330 | 781 |
| Average earning assets | $817,764,330 | 751 |
| Average equity | $74,334,670 | 983 |
| Average total loans | $404,477,330 | 1,081 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4196% | 5,604 |
| Cost of funding earning assets | 0.4349% | 3,597 |
| Net interest margin | 2.9847% | 5,559 |
| Noninterest income to average assets | 0.4009% | 4,175 |
| Noninterest expense to average assets | 1.9919% | 5,900 |
| Loan and lease loss provision to assets | 0.3328% | 539 |
| Net operating income to assets | 0.5716% | 4,343 |
| Return on assets (ROA) | 0.5939% | 4,305 |
| Pretax return on assets | 0.9441% | 3,542 |
| Return on Equity (ROE) | 7.1092% | 3,406 |
| Retained earnings to average equity (ytd only) | 7.1092% | 1,975 |
| Net charge-offs to loans | -0.0031% | 4,743 |
| Credit loss provision to net charge-offs | -24,266.6667% | 5,675 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7535% | 5,862 |
| Assets per employee ($millions) | 8.1130% | 456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2838% | 6,614 |
| Loan loss allowance to noncurrent loans | 895.2756% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.2351% | 5,498 |
| Noncurrent loans to loans | 0.0317% | 6,055 |
| Net loans and leases to total assets | 46.4503% | 5,283 |
| Net loans and leases to deposits | 59.3199% | 4,821 |
| Net loans and leases to core deposits | 61.8560% | 4,897 |
| Total domestic deposits to total assets | 78.3047% | 5,786 |
| Equity capital to assets | 8.6616% | 5,483 |
| Core capital (leverage) ratio | 7.3848% | 6,378 |
| Tier 1 risk-based capital ratio | 12.8915% | 5,068 |
| Total risk-based capital ratio | 13.1287% | 5,645 |
| Memoranda: | ||
| Average total assets | $874,935,000 | 777 |
| Average earning assets | $830,509,000 | 745 |
| Average equity | $73,088,000 | 997 |
| Average total loans | $392,858,000 | 1,121 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7463% | 6,781 |
| Cost of funding earning assets | 0.0966% | 6,683 |
| Net interest margin | 0.6498% | 6,778 |
| Noninterest income to average assets | 0.0863% | 6,437 |
| Noninterest expense to average assets | 0.4528% | 6,787 |
| Loan and lease loss provision to assets | -0.0125% | 6,279 |
| Net operating income to assets | 0.1590% | 5,922 |
| Return on assets (ROA) | 0.1449% | 6,019 |
| Pretax return on assets | 0.2377% | 5,870 |
| Return on Equity (ROE) | 1.4794% | 5,989 |
| Retained earnings to average equity (ytd only) | 1.4794% | 5,153 |
| Net charge-offs to loans | -0.1325% | 6,543 |
| Credit loss provision to net charge-offs | 19.5652% | 4,451 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6964% | 5,510 |
| Assets per employee ($millions) | 7.9455% | 486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1054% | 6,729 |
| Loan loss allowance to noncurrent loans | 276.1905% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.1770% | 5,783 |
| Noncurrent loans to loans | 0.0382% | 6,132 |
| Net loans and leases to total assets | 43.2312% | 5,741 |
| Net loans and leases to deposits | 55.5847% | 5,342 |
| Net loans and leases to core deposits | 57.9660% | 5,395 |
| Total domestic deposits to total assets | 77.7754% | 5,857 |
| Equity capital to assets | 8.0558% | 5,974 |
| Core capital (leverage) ratio | 7.3753% | 6,420 |
| Tier 1 risk-based capital ratio | 12.9130% | 5,039 |
| Total risk-based capital ratio | 13.0002% | 5,704 |
| Memoranda: | ||
| Average total assets | $790,405,400 | 842 |
| Average earning assets | $746,581,200 | 811 |
| Average equity | $77,398,800 | 917 |
| Average total loans | $381,821,400 | 1,119 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7050% | 5,155 |
| Cost of funding earning assets | 0.5609% | 3,158 |
| Net interest margin | 3.1441% | 5,167 |
| Noninterest income to average assets | 0.4682% | 4,011 |
| Noninterest expense to average assets | 1.9493% | 6,097 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9558% | 2,556 |
| Return on assets (ROA) | 0.9785% | 2,576 |
| Pretax return on assets | 1.5201% | 1,547 |
| Return on Equity (ROE) | 9.5025% | 2,396 |
| Retained earnings to average equity (ytd only) | 4.8663% | 3,179 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0176% | 5,902 |
| Assets per employee ($millions) | 6.9068% | 786 |
| Cash dividends to net income (ytd only)* | 48.7897% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0656% | 5,463 |
| Loan loss allowance to noncurrent loans | 595.3488% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.3579% | 5,336 |
| Noncurrent loans to loans | 0.1790% | 5,793 |
| Net loans and leases to total assets | 48.2985% | 5,320 |
| Net loans and leases to deposits | 59.0064% | 5,092 |
| Net loans and leases to core deposits | 61.7519% | 5,140 |
| Total domestic deposits to total assets | 81.8531% | 4,976 |
| Equity capital to assets | 9.6543% | 4,353 |
| Core capital (leverage) ratio | 8.1987% | 6,063 |
| Tier 1 risk-based capital ratio | 13.3336% | 4,883 |
| Total risk-based capital ratio | 14.2074% | 5,098 |
| Memoranda: | ||
| Average total assets | $765,533,000 | 880 |
| Average earning assets | $722,142,750 | 847 |
| Average equity | $78,826,500 | 916 |
| Average total loans | $380,997,250 | 1,125 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7136% | 5,106 |
| Cost of funding earning assets | 0.5668% | 3,248 |
| Net interest margin | 3.1468% | 5,131 |
| Noninterest income to average assets | 0.4658% | 4,053 |
| Noninterest expense to average assets | 1.9640% | 6,106 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9298% | 2,664 |
| Return on assets (ROA) | 0.9641% | 2,643 |
| Pretax return on assets | 1.5254% | 1,545 |
| Return on Equity (ROE) | 9.1646% | 2,550 |
| Retained earnings to average equity (ytd only) | 6.1708% | 2,338 |
| Net charge-offs to loans | 0.0168% | 4,504 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 174.3750% | 284 |
| Efficiency ratio | 56.4333% | 5,906 |
| Assets per employee ($millions) | 6.6911% | 828 |
| Cash dividends to net income (ytd only)* | 32.6676% | 2,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0556% | 5,604 |
| Loan loss allowance to noncurrent loans | 589.8403% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.3664% | 5,388 |
| Noncurrent loans to loans | 0.1790% | 5,872 |
| Net loans and leases to total assets | 49.5036% | 5,161 |
| Net loans and leases to deposits | 62.0803% | 4,731 |
| Net loans and leases to core deposits | 65.3079% | 4,764 |
| Total domestic deposits to total assets | 79.7412% | 5,662 |
| Equity capital to assets | 9.8377% | 4,139 |
| Core capital (leverage) ratio | 8.3260% | 5,854 |
| Tier 1 risk-based capital ratio | 13.4486% | 4,808 |
| Total risk-based capital ratio | 14.3277% | 5,030 |
| Memoranda: | ||
| Average total assets | $758,250,670 | 886 |
| Average earning assets | $715,644,000 | 852 |
| Average equity | $79,763,330 | 909 |
| Average total loans | $379,866,670 | 1,124 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6455% | 5,320 |
| Cost of funding earning assets | 0.5919% | 3,183 |
| Net interest margin | 3.0536% | 5,418 |
| Noninterest income to average assets | 0.4103% | 4,387 |
| Noninterest expense to average assets | 1.9441% | 6,205 |
| Loan and lease loss provision to assets | 0.0239% | 4,167 |
| Net operating income to assets | 0.8350% | 2,982 |
| Return on assets (ROA) | 0.8456% | 3,063 |
| Pretax return on assets | 1.3377% | 2,086 |
| Return on Equity (ROE) | 7.7803% | 3,084 |
| Retained earnings to average equity (ytd only) | 7.7803% | 1,832 |
| Net charge-offs to loans | 0.0254% | 3,678 |
| Credit loss provision to net charge-offs | 187.5000% | 1,145 |
| Earnings coverage of net charge-offs (x) | 105.4583% | 361 |
| Efficiency ratio | 58.3131% | 5,808 |
| Assets per employee ($millions) | 6.8246% | 836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1247% | 5,510 |
| Loan loss allowance to noncurrent loans | 414.1851% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.4161% | 5,356 |
| Noncurrent loans to loans | 0.2716% | 5,725 |
| Net loans and leases to total assets | 48.2116% | 5,204 |
| Net loans and leases to deposits | 60.4989% | 4,735 |
| Net loans and leases to core deposits | 63.8098% | 4,762 |
| Total domestic deposits to total assets | 79.6900% | 5,823 |
| Equity capital to assets | 10.9107% | 3,064 |
| Core capital (leverage) ratio | 8.3236% | 5,797 |
| Tier 1 risk-based capital ratio | 13.8456% | 4,619 |
| Total risk-based capital ratio | 14.7757% | 4,808 |
| Memoranda: | ||
| Average total assets | $752,640,000 | 899 |
| Average earning assets | $709,594,500 | 868 |
| Average equity | $81,796,000 | 890 |
| Average total loans | $377,310,000 | 1,132 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7338% | 5,984 |
| Cost of funding earning assets | 0.7168% | 3,354 |
| Net interest margin | 3.0170% | 6,015 |
| Noninterest income to average assets | 0.4587% | 4,184 |
| Noninterest expense to average assets | 1.8061% | 6,617 |
| Loan and lease loss provision to assets | 0.0239% | 5,595 |
| Net operating income to assets | 0.9451% | 2,578 |
| Return on assets (ROA) | 1.0062% | 2,527 |
| Pretax return on assets | 1.5854% | 1,425 |
| Return on Equity (ROE) | 8.6723% | 2,806 |
| Retained earnings to average equity (ytd only) | 2.2763% | 4,637 |
| Net charge-offs to loans | 0.1299% | 4,381 |
| Credit loss provision to net charge-offs | 38.7409% | 4,957 |
| Earnings coverage of net charge-offs (x) | 24.5109% | 1,171 |
| Efficiency ratio | 53.8153% | 6,285 |
| Assets per employee ($millions) | 6.6777% | 908 |
| Cash dividends to net income (ytd only)* | 73.7515% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0541% | 5,747 |
| Loan loss allowance to noncurrent loans | 354.0190% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.5481% | 5,107 |
| Noncurrent loans to loans | 0.2978% | 5,732 |
| Net loans and leases to total assets | 50.9532% | 5,043 |
| Net loans and leases to deposits | 64.1551% | 4,512 |
| Net loans and leases to core deposits | 67.8838% | 4,546 |
| Total domestic deposits to total assets | 79.4219% | 5,800 |
| Equity capital to assets | 10.8253% | 3,146 |
| Core capital (leverage) ratio | 7.9357% | 6,255 |
| Tier 1 risk-based capital ratio | 12.8338% | 5,227 |
| Total risk-based capital ratio | 13.7149% | 5,454 |
| Memoranda: | ||
| Average total assets | $668,670,200 | 985 |
| Average earning assets | $634,177,000 | 946 |
| Average equity | $77,580,400 | 906 |
| Average total loans | $318,004,200 | 1,321 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7578% | 6,111 |
| Cost of funding earning assets | 0.7429% | 3,408 |
| Net interest margin | 3.0150% | 6,138 |
| Noninterest income to average assets | 0.4499% | 4,291 |
| Noninterest expense to average assets | 1.7703% | 6,711 |
| Loan and lease loss provision to assets | 0.0330% | 5,362 |
| Net operating income to assets | 0.9609% | 2,698 |
| Return on assets (ROA) | 1.0179% | 2,648 |
| Pretax return on assets | 1.6036% | 1,565 |
| Return on Equity (ROE) | 8.6055% | 2,993 |
| Retained earnings to average equity (ytd only) | 2.3216% | 5,179 |
| Net charge-offs to loans | 0.1891% | 3,606 |
| Credit loss provision to net charge-offs | 37.5587% | 4,668 |
| Earnings coverage of net charge-offs (x) | 17.6337% | 1,611 |
| Efficiency ratio | 52.8345% | 6,372 |
| Assets per employee ($millions) | 7.0768% | 716 |
| Cash dividends to net income (ytd only)* | 73.0217% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3666% | 4,513 |
| Loan loss allowance to noncurrent loans | 323.2779% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.2061% | 6,197 |
| Noncurrent loans to loans | 0.4227% | 5,605 |
| Net loans and leases to total assets | 45.7579% | 5,790 |
| Net loans and leases to deposits | 58.8926% | 5,327 |
| Net loans and leases to core deposits | 64.5093% | 5,098 |
| Total domestic deposits to total assets | 77.6972% | 6,134 |
| Equity capital to assets | 12.1541% | 2,148 |
| Core capital (leverage) ratio | 9.0956% | 4,921 |
| Tier 1 risk-based capital ratio | 15.7993% | 3,377 |
| Total risk-based capital ratio | 16.9003% | 3,417 |
| Memoranda: | ||
| Average total assets | $647,194,000 | 1,027 |
| Average earning assets | $615,621,250 | 982 |
| Average equity | $76,554,250 | 919 |
| Average total loans | $300,361,250 | 1,410 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7908% | 6,160 |
| Cost of funding earning assets | 0.7626% | 3,492 |
| Net interest margin | 3.0281% | 6,180 |
| Noninterest income to average assets | 0.4187% | 4,517 |
| Noninterest expense to average assets | 1.7579% | 6,791 |
| Loan and lease loss provision to assets | 0.0494% | 5,058 |
| Net operating income to assets | 0.9445% | 2,685 |
| Return on assets (ROA) | 0.9672% | 2,840 |
| Pretax return on assets | 1.5244% | 1,789 |
| Return on Equity (ROE) | 8.2520% | 3,143 |
| Retained earnings to average equity (ytd only) | 1.6951% | 5,346 |
| Net charge-offs to loans | 0.2891% | 2,874 |
| Credit loss provision to net charge-offs | 36.7816% | 4,324 |
| Earnings coverage of net charge-offs (x) | 11.4621% | 1,957 |
| Efficiency ratio | 52.8079% | 6,437 |
| Assets per employee ($millions) | 7.1069% | 695 |
| Cash dividends to net income (ytd only)* | 79.4577% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3560% | 4,640 |
| Loan loss allowance to noncurrent loans | 135,800.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.0682% | 6,646 |
| Noncurrent loans to loans | 0.0010% | 6,736 |
| Net loans and leases to total assets | 45.3272% | 5,892 |
| Net loans and leases to deposits | 58.0085% | 5,449 |
| Net loans and leases to core deposits | 64.3948% | 5,164 |
| Total domestic deposits to total assets | 78.1388% | 6,132 |
| Equity capital to assets | 11.7751% | 2,341 |
| Core capital (leverage) ratio | 8.9055% | 5,040 |
| Tier 1 risk-based capital ratio | 15.4719% | 3,462 |
| Total risk-based capital ratio | 16.5606% | 3,527 |
| Memoranda: | ||
| Average total assets | $648,261,670 | 1,021 |
| Average earning assets | $616,020,670 | 980 |
| Average equity | $75,982,000 | 921 |
| Average total loans | $300,895,000 | 1,411 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8321% | 6,181 |
| Cost of funding earning assets | 0.7660% | 3,734 |
| Net interest margin | 3.0660% | 6,140 |
| Noninterest income to average assets | 0.4431% | 4,345 |
| Noninterest expense to average assets | 1.7414% | 6,860 |
| Loan and lease loss provision to assets | 0.0744% | 4,471 |
| Net operating income to assets | 0.9742% | 2,581 |
| Return on assets (ROA) | 1.0194% | 2,594 |
| Pretax return on assets | 1.6075% | 1,545 |
| Return on Equity (ROE) | 8.7178% | 2,942 |
| Retained earnings to average equity (ytd only) | 2.0562% | 5,244 |
| Net charge-offs to loans | 0.5327% | 1,754 |
| Credit loss provision to net charge-offs | 29.9252% | 3,624 |
| Earnings coverage of net charge-offs (x) | 6.4838% | 2,202 |
| Efficiency ratio | 51.4048% | 6,589 |
| Assets per employee ($millions) | 7.1567% | 692 |
| Cash dividends to net income (ytd only)* | 76.4134% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3604% | 4,766 |
| Loan loss allowance to noncurrent loans | 31,292.3077% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.2568% | 6,243 |
| Noncurrent loans to loans | 0.0043% | 6,794 |
| Net loans and leases to total assets | 45.7927% | 5,805 |
| Net loans and leases to deposits | 60.0635% | 5,138 |
| Net loans and leases to core deposits | 67.2819% | 4,763 |
| Total domestic deposits to total assets | 76.2404% | 6,516 |
| Equity capital to assets | 11.7378% | 2,230 |
| Core capital (leverage) ratio | 9.0158% | 4,816 |
| Tier 1 risk-based capital ratio | 15.5589% | 3,406 |
| Total risk-based capital ratio | 16.6600% | 3,464 |
| Memoranda: | ||
| Average total assets | $645,475,000 | 1,023 |
| Average earning assets | $612,514,500 | 981 |
| Average equity | $75,478,000 | 921 |
| Average total loans | $301,123,000 | 1,411 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9052% | 6,606 |
| Cost of funding earning assets | 0.8722% | 4,309 |
| Net interest margin | 3.0331% | 6,479 |
| Noninterest income to average assets | 0.4426% | 4,286 |
| Noninterest expense to average assets | 1.8593% | 6,875 |
| Loan and lease loss provision to assets | 0.1572% | 4,670 |
| Net operating income to assets | 0.8228% | 2,940 |
| Return on assets (ROA) | 0.8122% | 3,157 |
| Pretax return on assets | 1.2783% | 2,211 |
| Return on Equity (ROE) | 7.5062% | 3,148 |
| Retained earnings to average equity (ytd only) | 3.5211% | 3,716 |
| Net charge-offs to loans | 0.5941% | 2,668 |
| Credit loss provision to net charge-offs | 56.4191% | 5,265 |
| Earnings coverage of net charge-offs (x) | 5.2107% | 2,869 |
| Efficiency ratio | 55.6901% | 6,352 |
| Assets per employee ($millions) | 7.0310% | 724 |
| Cash dividends to net income (ytd only)* | 53.0911% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4342% | 4,311 |
| Loan loss allowance to noncurrent loans | 2,429.6089% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.3975% | 5,976 |
| Noncurrent loans to loans | 0.0590% | 6,668 |
| Net loans and leases to total assets | 46.2052% | 5,997 |
| Net loans and leases to deposits | 62.9131% | 5,129 |
| Net loans and leases to core deposits | 70.3848% | 4,734 |
| Total domestic deposits to total assets | 73.4430% | 6,768 |
| Equity capital to assets | 11.6492% | 2,385 |
| Core capital (leverage) ratio | 9.0036% | 4,782 |
| Tier 1 risk-based capital ratio | 15.3635% | 3,411 |
| Total risk-based capital ratio | 16.5338% | 3,421 |
| Memoranda: | ||
| Average total assets | $623,336,200 | 1,042 |
| Average earning assets | $589,566,000 | 1,002 |
| Average equity | $67,451,200 | 993 |
| Average total loans | $292,376,400 | 1,454 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9052% | 6,720 |
| Cost of funding earning assets | 0.9079% | 4,342 |
| Net interest margin | 2.9973% | 6,586 |
| Noninterest income to average assets | 0.3911% | 4,735 |
| Noninterest expense to average assets | 1.8372% | 6,941 |
| Loan and lease loss provision to assets | 0.1857% | 4,175 |
| Net operating income to assets | 0.7641% | 3,322 |
| Return on assets (ROA) | 0.7314% | 3,641 |
| Pretax return on assets | 1.1501% | 2,822 |
| Return on Equity (ROE) | 6.8970% | 3,573 |
| Retained earnings to average equity (ytd only) | 3.7855% | 4,046 |
| Net charge-offs to loans | 0.8120% | 1,940 |
| Credit loss provision to net charge-offs | 48.7528% | 5,059 |
| Earnings coverage of net charge-offs (x) | 3.6412% | 3,356 |
| Efficiency ratio | 56.5200% | 6,208 |
| Assets per employee ($millions) | 7.0990% | 706 |
| Cash dividends to net income (ytd only)* | 45.1136% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4037% | 4,548 |
| Loan loss allowance to noncurrent loans | 937.9464% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.6406% | 5,535 |
| Noncurrent loans to loans | 0.1497% | 6,572 |
| Net loans and leases to total assets | 45.6882% | 6,168 |
| Net loans and leases to deposits | 62.2115% | 5,375 |
| Net loans and leases to core deposits | 71.8914% | 4,730 |
| Total domestic deposits to total assets | 73.4401% | 6,820 |
| Equity capital to assets | 11.5824% | 2,609 |
| Core capital (leverage) ratio | 8.8777% | 5,143 |
| Tier 1 risk-based capital ratio | 15.3361% | 3,469 |
| Total risk-based capital ratio | 16.4751% | 3,497 |
| Memoranda: | ||
| Average total assets | $617,458,000 | 1,064 |
| Average earning assets | $583,612,250 | 1,015 |
| Average equity | $65,475,750 | 1,032 |
| Average total loans | $289,663,750 | 1,484 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8772% | 6,835 |
| Cost of funding earning assets | 0.9378% | 4,404 |
| Net interest margin | 2.9394% | 6,716 |
| Noninterest income to average assets | 0.3688% | 4,927 |
| Noninterest expense to average assets | 1.8633% | 6,988 |
| Loan and lease loss provision to assets | 0.2434% | 3,470 |
| Net operating income to assets | 0.6630% | 3,726 |
| Return on assets (ROA) | 0.6053% | 4,175 |
| Pretax return on assets | 0.9498% | 3,432 |
| Return on Equity (ROE) | 5.9012% | 4,017 |
| Retained earnings to average equity (ytd only) | 2.4695% | 4,713 |
| Net charge-offs to loans | 1.2345% | 1,266 |
| Credit loss provision to net charge-offs | 41.8552% | 4,779 |
| Earnings coverage of net charge-offs (x) | 2.2064% | 3,732 |
| Efficiency ratio | 58.7663% | 6,061 |
| Assets per employee ($millions) | 6.7519% | 826 |
| Cash dividends to net income (ytd only)* | 58.1522% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4457% | 4,364 |
| Loan loss allowance to noncurrent loans | 330.4700% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.8385% | 5,202 |
| Noncurrent loans to loans | 0.4375% | 6,030 |
| Net loans and leases to total assets | 45.2468% | 6,331 |
| Net loans and leases to deposits | 57.5715% | 5,982 |
| Net loans and leases to core deposits | 67.1521% | 5,374 |
| Total domestic deposits to total assets | 78.5924% | 6,171 |
| Equity capital to assets | 11.1606% | 2,802 |
| Core capital (leverage) ratio | 9.0906% | 4,589 |
| Tier 1 risk-based capital ratio | 15.9538% | 2,995 |
| Total risk-based capital ratio | 17.1265% | 3,015 |
| Memoranda: | ||
| Average total assets | $607,942,330 | 1,089 |
| Average earning assets | $574,536,330 | 1,045 |
| Average equity | $62,360,000 | 1,081 |
| Average total loans | $286,435,000 | 1,518 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8833% | 6,844 |
| Cost of funding earning assets | 0.9471% | 4,590 |
| Net interest margin | 2.9361% | 6,694 |
| Noninterest income to average assets | 0.3519% | 5,083 |
| Noninterest expense to average assets | 1.8548% | 7,064 |
| Loan and lease loss provision to assets | 0.2514% | 3,143 |
| Net operating income to assets | 0.6470% | 3,766 |
| Return on assets (ROA) | 0.6105% | 4,049 |
| Pretax return on assets | 0.9552% | 3,299 |
| Return on Equity (ROE) | 6.2309% | 3,766 |
| Retained earnings to average equity (ytd only) | 2.1265% | 4,864 |
| Net charge-offs to loans | 1.7186% | 766 |
| Credit loss provision to net charge-offs | 30.6452% | 4,106 |
| Earnings coverage of net charge-offs (x) | 1.5403% | 3,557 |
| Efficiency ratio | 59.0369% | 6,126 |
| Assets per employee ($millions) | 7.0199% | 727 |
| Cash dividends to net income (ytd only)* | 65.8722% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5388% | 4,013 |
| Loan loss allowance to noncurrent loans | 225.7310% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.9279% | 5,042 |
| Noncurrent loans to loans | 0.6817% | 5,659 |
| Net loans and leases to total assets | 44.4841% | 6,434 |
| Net loans and leases to deposits | 56.4129% | 6,092 |
| Net loans and leases to core deposits | 68.0784% | 5,278 |
| Total domestic deposits to total assets | 78.8544% | 6,226 |
| Equity capital to assets | 9.7355% | 4,132 |
| Core capital (leverage) ratio | 8.4941% | 5,463 |
| Tier 1 risk-based capital ratio | 14.6029% | 3,675 |
| Total risk-based capital ratio | 15.8427% | 3,641 |
| Memoranda: | ||
| Average total assets | $604,702,000 | 1,107 |
| Average earning assets | $569,728,000 | 1,071 |
| Average equity | $59,253,500 | 1,118 |
| Average total loans | $288,610,000 | 1,520 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3215% | 6,746 |
| Cost of funding earning assets | 0.9676% | 5,857 |
| Net interest margin | 3.3539% | 5,778 |
| Noninterest income to average assets | 0.3957% | 4,936 |
| Noninterest expense to average assets | 1.8852% | 7,177 |
| Loan and lease loss provision to assets | 0.4023% | 3,702 |
| Net operating income to assets | 0.8148% | 2,734 |
| Return on assets (ROA) | 0.9582% | 2,298 |
| Pretax return on assets | 1.5028% | 1,364 |
| Return on Equity (ROE) | 8.9890% | 2,292 |
| Retained earnings to average equity (ytd only) | 4.2421% | 2,872 |
| Net charge-offs to loans | 0.7488% | 2,769 |
| Credit loss provision to net charge-offs | 102.8336% | 4,392 |
| Earnings coverage of net charge-offs (x) | 4.2971% | 2,981 |
| Efficiency ratio | 52.5419% | 6,942 |
| Assets per employee ($millions) | 7.1270% | 708 |
| Cash dividends to net income (ytd only)* | 52.8084% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6947% | 3,233 |
| Loan loss allowance to noncurrent loans | 279.3217% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.3550% | 6,375 |
| Noncurrent loans to loans | 0.6067% | 5,832 |
| Net loans and leases to total assets | 49.4744% | 6,216 |
| Net loans and leases to deposits | 67.4300% | 5,182 |
| Net loans and leases to core deposits | 83.1861% | 3,722 |
| Total domestic deposits to total assets | 73.3715% | 6,962 |
| Equity capital to assets | 9.8633% | 3,921 |
| Core capital (leverage) ratio | 8.2415% | 5,765 |
| Tier 1 risk-based capital ratio | 14.0088% | 3,867 |
| Total risk-based capital ratio | 15.2610% | 3,830 |
| Memoranda: | ||
| Average total assets | $559,305,400 | 1,199 |
| Average earning assets | $528,723,000 | 1,161 |
| Average equity | $59,617,200 | 1,117 |
| Average total loans | $292,218,600 | 1,531 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3691% | 6,862 |
| Cost of funding earning assets | 0.9670% | 6,094 |
| Net interest margin | 3.4021% | 5,678 |
| Noninterest income to average assets | 0.3725% | 5,171 |
| Noninterest expense to average assets | 1.8990% | 7,209 |
| Loan and lease loss provision to assets | 0.3737% | 3,651 |
| Net operating income to assets | 0.8377% | 2,853 |
| Return on assets (ROA) | 1.0056% | 2,334 |
| Pretax return on assets | 1.5770% | 1,400 |
| Return on Equity (ROE) | 9.2458% | 2,412 |
| Retained earnings to average equity (ytd only) | 4.7523% | 3,156 |
| Net charge-offs to loans | 1.0015% | 2,003 |
| Credit loss provision to net charge-offs | 70.7071% | 5,398 |
| Earnings coverage of net charge-offs (x) | 3.1947% | 3,546 |
| Efficiency ratio | 52.6718% | 6,915 |
| Assets per employee ($millions) | 6.7507% | 858 |
| Cash dividends to net income (ytd only)* | 48.6004% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4382% | 4,269 |
| Loan loss allowance to noncurrent loans | 145.5086% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 0.5937% | 5,952 |
| Noncurrent loans to loans | 0.9884% | 5,263 |
| Net loans and leases to total assets | 52.0092% | 6,102 |
| Net loans and leases to deposits | 84.7616% | 2,562 |
| Net loans and leases to core deposits | 95.8415% | 2,280 |
| Total domestic deposits to total assets | 61.3593% | 7,573 |
| Equity capital to assets | 10.9600% | 2,999 |
| Core capital (leverage) ratio | 8.8013% | 5,006 |
| Tier 1 risk-based capital ratio | 13.9312% | 3,892 |
| Total risk-based capital ratio | 15.1725% | 3,861 |
| Memoranda: | ||
| Average total assets | $549,464,000 | 1,230 |
| Average earning assets | $519,235,250 | 1,192 |
| Average equity | $59,759,250 | 1,114 |
| Average total loans | $289,949,500 | 1,560 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3804% | 6,937 |
| Cost of funding earning assets | 0.9729% | 6,273 |
| Net interest margin | 3.4074% | 5,612 |
| Noninterest income to average assets | 0.3339% | 5,481 |
| Noninterest expense to average assets | 1.9095% | 7,249 |
| Loan and lease loss provision to assets | 0.4452% | 3,094 |
| Net operating income to assets | 0.7638% | 3,132 |
| Return on assets (ROA) | 0.9319% | 2,522 |
| Pretax return on assets | 1.4602% | 1,670 |
| Return on Equity (ROE) | 8.5925% | 2,624 |
| Retained earnings to average equity (ytd only) | 3.4480% | 3,915 |
| Net charge-offs to loans | 1.2704% | 1,497 |
| Credit loss provision to net charge-offs | 66.4084% | 5,069 |
| Earnings coverage of net charge-offs (x) | 2.4505% | 3,769 |
| Efficiency ratio | 53.5248% | 6,931 |
| Assets per employee ($millions) | 6.4868% | 957 |
| Cash dividends to net income (ytd only)* | 59.8726% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4862% | 3,996 |
| Loan loss allowance to noncurrent loans | 163.4856% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.7193% | 5,692 |
| Noncurrent loans to loans | 0.9091% | 5,463 |
| Net loans and leases to total assets | 53.3417% | 6,072 |
| Net loans and leases to deposits | 84.9850% | 2,707 |
| Net loans and leases to core deposits | 96.8487% | 2,343 |
| Total domestic deposits to total assets | 62.7660% | 7,612 |
| Equity capital to assets | 11.0435% | 2,815 |
| Core capital (leverage) ratio | 9.0832% | 4,478 |
| Tier 1 risk-based capital ratio | 14.0790% | 3,675 |
| Total risk-based capital ratio | 15.3294% | 3,635 |
| Memoranda: | ||
| Average total assets | $539,099,670 | 1,263 |
| Average earning assets | $509,179,000 | 1,220 |
| Average equity | $58,469,330 | 1,137 |
| Average total loans | $284,483,000 | 1,605 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3583% | 7,056 |
| Cost of funding earning assets | 0.9766% | 6,489 |
| Net interest margin | 3.3817% | 5,658 |
| Noninterest income to average assets | 0.3130% | 5,648 |
| Noninterest expense to average assets | 1.9349% | 7,277 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9973% | 2,197 |
| Return on assets (ROA) | 1.1198% | 1,847 |
| Pretax return on assets | 1.7585% | 959 |
| Return on Equity (ROE) | 10.4230% | 1,975 |
| Retained earnings to average equity (ytd only) | 5.1277% | 3,082 |
| Net charge-offs to loans | 1.1346% | 1,485 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 2.6531% | 3,205 |
| Efficiency ratio | 55.0364% | 6,887 |
| Assets per employee ($millions) | 6.0728% | 1,210 |
| Cash dividends to net income (ytd only)* | 50.8043% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5645% | 3,604 |
| Loan loss allowance to noncurrent loans | 283.0452% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.5118% | 6,219 |
| Noncurrent loans to loans | 0.5527% | 6,190 |
| Net loans and leases to total assets | 50.6961% | 6,406 |
| Net loans and leases to deposits | 75.7572% | 4,459 |
| Net loans and leases to core deposits | 87.1840% | 3,719 |
| Total domestic deposits to total assets | 66.9192% | 7,576 |
| Equity capital to assets | 11.0186% | 2,740 |
| Core capital (leverage) ratio | 9.3294% | 3,998 |
| Tier 1 risk-based capital ratio | 15.1270% | 3,056 |
| Total risk-based capital ratio | 16.3781% | 3,007 |
| Memoranda: | ||
| Average total assets | $532,959,000 | 1,312 |
| Average earning assets | $502,583,000 | 1,275 |
| Average equity | $57,258,000 | 1,158 |
| Average total loans | $277,448,000 | 1,694 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6660% | 7,190 |
| Cost of funding earning assets | 1.0875% | 7,015 |
| Net interest margin | 3.5786% | 4,624 |
| Noninterest income to average assets | 0.3586% | 5,529 |
| Noninterest expense to average assets | 2.0089% | 7,359 |
| Loan and lease loss provision to assets | 0.4593% | 4,071 |
| Net operating income to assets | 0.8092% | 2,500 |
| Return on assets (ROA) | 0.9056% | 2,222 |
| Pretax return on assets | 1.4181% | 1,388 |
| Return on Equity (ROE) | 8.3028% | 2,261 |
| Retained earnings to average equity (ytd only) | 8.3028% | 629 |
| Net charge-offs to loans | 0.4109% | 4,172 |
| Credit loss provision to net charge-offs | 203.6380% | 1,902 |
| Earnings coverage of net charge-offs (x) | 7.6566% | 2,103 |
| Efficiency ratio | 53.5115% | 7,276 |
| Assets per employee ($millions) | 6.2510% | 1,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7833% | 2,604 |
| Loan loss allowance to noncurrent loans | 383.2067% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.3356% | 6,601 |
| Noncurrent loans to loans | 0.4654% | 6,331 |
| Net loans and leases to total assets | 51.6666% | 6,457 |
| Net loans and leases to deposits | 80.3383% | 3,926 |
| Net loans and leases to core deposits | 98.8262% | 4,134 |
| Total domestic deposits to total assets | 64.3113% | 7,701 |
| Equity capital to assets | 10.4729% | 3,215 |
| Core capital (leverage) ratio | 9.4004% | 3,830 |
| Tier 1 risk-based capital ratio | 14.3252% | 3,305 |
| Total risk-based capital ratio | 15.5786% | 3,255 |
| Memoranda: | ||
| Average total assets | $499,687,800 | 1,377 |
| Average earning assets | $471,555,800 | 1,335 |
| Average equity | $54,499,600 | 1,207 |
| Average total loans | $274,243,600 | 1,757 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7473% | 7,214 |
| Cost of funding earning assets | 1.1243% | 7,118 |
| Net interest margin | 3.6230% | 4,397 |
| Noninterest income to average assets | 0.3582% | 5,630 |
| Noninterest expense to average assets | 2.0565% | 7,275 |
| Loan and lease loss provision to assets | 0.5494% | 3,186 |
| Net operating income to assets | 0.7491% | 3,028 |
| Return on assets (ROA) | 0.8189% | 2,797 |
| Pretax return on assets | 1.2805% | 2,006 |
| Return on Equity (ROE) | 7.4276% | 2,896 |
| Retained earnings to average equity (ytd only) | 7.4276% | 1,337 |
| Net charge-offs to loans | 0.4983% | 3,229 |
| Credit loss provision to net charge-offs | 198.6234% | 2,255 |
| Earnings coverage of net charge-offs (x) | 6.2212% | 2,643 |
| Efficiency ratio | 54.1475% | 7,218 |
| Assets per employee ($millions) | 5.8916% | 1,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8083% | 2,252 |
| Loan loss allowance to noncurrent loans | 268.1693% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.4496% | 6,333 |
| Noncurrent loans to loans | 0.6743% | 5,955 |
| Net loans and leases to total assets | 52.2762% | 6,579 |
| Net loans and leases to deposits | 80.2966% | 4,339 |
| Net loans and leases to core deposits | 99.7128% | 4,405 |
| Total domestic deposits to total assets | 65.1039% | 7,721 |
| Equity capital to assets | 11.1410% | 2,886 |
| Core capital (leverage) ratio | 9.4395% | 3,993 |
| Tier 1 risk-based capital ratio | 14.2485% | 3,411 |
| Total risk-based capital ratio | 15.5017% | 3,355 |
| Memoranda: | ||
| Average total assets | $490,213,500 | 1,423 |
| Average earning assets | $462,627,500 | 1,376 |
| Average equity | $54,049,250 | 1,240 |
| Average total loans | $272,105,750 | 1,782 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8064% | 7,218 |
| Cost of funding earning assets | 1.1584% | 7,222 |
| Net interest margin | 3.6480% | 4,176 |
| Noninterest income to average assets | 0.3775% | 5,484 |
| Noninterest expense to average assets | 2.1249% | 7,227 |
| Loan and lease loss provision to assets | 0.4250% | 3,420 |
| Net operating income to assets | 0.8098% | 2,818 |
| Return on assets (ROA) | 0.8652% | 2,695 |
| Pretax return on assets | 1.3538% | 1,856 |
| Return on Equity (ROE) | 7.8762% | 2,827 |
| Retained earnings to average equity (ytd only) | 7.8762% | 1,252 |
| Net charge-offs to loans | 0.1935% | 4,333 |
| Credit loss provision to net charge-offs | 390.1515% | 1,193 |
| Earnings coverage of net charge-offs (x) | 15.5341% | 1,588 |
| Efficiency ratio | 55.3562% | 7,187 |
| Assets per employee ($millions) | 5.5046% | 1,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7346% | 2,231 |
| Loan loss allowance to noncurrent loans | 137.6743% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.7533% | 5,520 |
| Noncurrent loans to loans | 1.2599% | 4,681 |
| Net loans and leases to total assets | 55.5387% | 6,267 |
| Net loans and leases to deposits | 78.7679% | 4,738 |
| Net loans and leases to core deposits | 97.0202% | 4,784 |
| Total domestic deposits to total assets | 70.5093% | 7,419 |
| Equity capital to assets | 11.6658% | 2,409 |
| Core capital (leverage) ratio | 9.3226% | 4,137 |
| Tier 1 risk-based capital ratio | 14.1776% | 3,417 |
| Total risk-based capital ratio | 15.4304% | 3,352 |
| Memoranda: | ||
| Average total assets | $484,725,330 | 1,461 |
| Average earning assets | $457,017,330 | 1,411 |
| Average equity | $53,249,330 | 1,271 |
| Average total loans | $272,891,000 | 1,809 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7248% | 7,470 |
| Cost of funding earning assets | 1.1697% | 7,368 |
| Net interest margin | 3.5551% | 4,504 |
| Noninterest income to average assets | 0.3728% | 5,441 |
| Noninterest expense to average assets | 1.9470% | 7,454 |
| Loan and lease loss provision to assets | 0.4894% | 2,519 |
| Net operating income to assets | 0.8214% | 3,038 |
| Return on assets (ROA) | 0.8214% | 3,192 |
| Pretax return on assets | 1.2855% | 2,331 |
| Return on Equity (ROE) | 7.7074% | 3,279 |
| Retained earnings to average equity (ytd only) | 7.7074% | 1,924 |
| Net charge-offs to loans | 0.1873% | 3,513 |
| Credit loss provision to net charge-offs | 465.1163% | 1,142 |
| Earnings coverage of net charge-offs (x) | 16.8682% | 1,529 |
| Efficiency ratio | 52.0053% | 7,419 |
| Assets per employee ($millions) | 5.8402% | 1,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5716% | 2,638 |
| Loan loss allowance to noncurrent loans | 177.7505% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.6203% | 5,637 |
| Noncurrent loans to loans | 0.8842% | 5,235 |
| Net loans and leases to total assets | 55.4816% | 6,313 |
| Net loans and leases to deposits | 82.4565% | 4,212 |
| Net loans and leases to core deposits | 101.6261% | 4,387 |
| Total domestic deposits to total assets | 67.2859% | 7,652 |
| Equity capital to assets | 11.1883% | 2,822 |
| Core capital (leverage) ratio | 9.2838% | 4,267 |
| Tier 1 risk-based capital ratio | 13.3581% | 3,953 |
| Total risk-based capital ratio | 14.6090% | 3,868 |
| Memoranda: | ||
| Average total assets | $490,391,000 | 1,448 |
| Average earning assets | $461,989,000 | 1,408 |
| Average equity | $52,261,500 | 1,309 |
| Average total loans | $275,557,500 | 1,796 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4775% | 7,347 |
| Cost of funding earning assets | 1.8125% | 6,969 |
| Net interest margin | 3.6650% | 4,620 |
| Noninterest income to average assets | 0.3393% | 6,025 |
| Noninterest expense to average assets | 2.1043% | 7,227 |
| Loan and lease loss provision to assets | 0.2585% | 4,332 |
| Net operating income to assets | 0.8991% | 3,000 |
| Return on assets (ROA) | 1.0054% | 2,422 |
| Pretax return on assets | 1.5712% | 1,472 |
| Return on Equity (ROE) | 10.1365% | 2,211 |
| Retained earnings to average equity (ytd only) | 10.1365% | 427 |
| Net charge-offs to loans | 0.4190% | 2,724 |
| Credit loss provision to net charge-offs | 109.7674% | 4,908 |
| Earnings coverage of net charge-offs (x) | 7.0651% | 3,197 |
| Efficiency ratio | 55.4238% | 7,096 |
| Assets per employee ($millions) | 5.5705% | 1,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4112% | 3,133 |
| Loan loss allowance to noncurrent loans | 749.5164% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.2287% | 6,657 |
| Noncurrent loans to loans | 0.1883% | 6,828 |
| Net loans and leases to total assets | 55.2246% | 6,527 |
| Net loans and leases to deposits | 86.7813% | 3,995 |
| Net loans and leases to core deposits | 103.7322% | 4,420 |
| Total domestic deposits to total assets | 63.6366% | 7,811 |
| Equity capital to assets | 10.1255% | 3,891 |
| Core capital (leverage) ratio | 8.3085% | 5,933 |
| Tier 1 risk-based capital ratio | 11.4595% | 5,277 |
| Total risk-based capital ratio | 12.6322% | 5,255 |
| Memoranda: | ||
| Average total assets | $456,534,200 | 1,501 |
| Average earning assets | $427,095,200 | 1,462 |
| Average equity | $45,281,800 | 1,494 |
| Average total loans | $256,556,400 | 1,869 |