Home > Grand Valley Bank > Performance and Condition Ratios
Grand Valley Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7705% | 2,537 |
| Cost of funding earning assets | 1.1366% | 2,966 |
| Net interest margin | 3.6339% | 1,893 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 2.2237% | 3,062 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.1359% | 1,815 |
| Return on assets (ROA) | 1.1359% | 1,797 |
| Pretax return on assets | 1.4213% | 1,591 |
| Return on Equity (ROE) | 19.7800% | 633 |
| Retained earnings to average equity (ytd only) | 12.9883% | 509 |
| Net charge-offs to loans | -0.0014% | 3,644 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 58.7445% | 3,211 |
| Assets per employee ($millions) | 6.0254% | 2,799 |
| Cash dividends to net income (ytd only)* | 34.3480% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7167% | 634 |
| Loan loss allowance to noncurrent loans | 157.7665% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 0.5465% | 1,021 |
| Noncurrent loans to loans | 1.0882% | 674 |
| Net loans and leases to total assets | 49.3600% | 3,635 |
| Net loans and leases to deposits | 53.2779% | 3,825 |
| Net loans and leases to core deposits | 57.0012% | 3,876 |
| Total domestic deposits to total assets | 92.6400% | 212 |
| Equity capital to assets | 6.8605% | 3,986 |
| Core capital (leverage) ratio | 9.7692% | 2,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $581,295,800 | 1,521 |
| Average earning assets | $549,879,200 | 1,493 |
| Average equity | $33,376,200 | 2,123 |
| Average total loans | $279,584,400 | 1,875 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6468% | 2,573 |
| Cost of funding earning assets | 1.0474% | 2,898 |
| Net interest margin | 3.5993% | 2,011 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 2.2343% | 2,978 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.1001% | 2,054 |
| Return on assets (ROA) | 1.1001% | 2,038 |
| Pretax return on assets | 1.3704% | 1,846 |
| Return on Equity (ROE) | 20.1300% | 711 |
| Retained earnings to average equity (ytd only) | 13.0021% | 813 |
| Net charge-offs to loans | -0.0014% | 3,524 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 59.6162% | 3,009 |
| Assets per employee ($millions) | 5.8069% | 2,922 |
| Cash dividends to net income (ytd only)* | 35.4227% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7018% | 696 |
| Loan loss allowance to noncurrent loans | 149.3554% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 0.5725% | 1,022 |
| Noncurrent loans to loans | 1.1394% | 690 |
| Net loans and leases to total assets | 49.3900% | 3,661 |
| Net loans and leases to deposits | 52.1364% | 3,870 |
| Net loans and leases to core deposits | 55.5207% | 3,876 |
| Total domestic deposits to total assets | 94.7300% | 139 |
| Equity capital to assets | 4.8531% | 4,276 |
| Core capital (leverage) ratio | 9.6290% | 3,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $582,010,250 | 1,524 |
| Average earning assets | $550,161,250 | 1,492 |
| Average equity | $31,799,250 | 2,175 |
| Average total loans | $276,857,750 | 1,888 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4866% | 2,675 |
| Cost of funding earning assets | 0.9254% | 2,848 |
| Net interest margin | 3.5612% | 2,127 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 2.2227% | 3,007 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.0742% | 2,196 |
| Return on assets (ROA) | 1.0742% | 2,193 |
| Pretax return on assets | 1.3334% | 1,981 |
| Return on Equity (ROE) | 18.9700% | 832 |
| Retained earnings to average equity (ytd only) | 12.1411% | 953 |
| Net charge-offs to loans | -0.0022% | 3,546 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.0000% | 2,956 |
| Assets per employee ($millions) | 5.9441% | 2,760 |
| Cash dividends to net income (ytd only)* | 36.0114% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6795% | 781 |
| Loan loss allowance to noncurrent loans | 140.1240% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 0.5874% | 923 |
| Noncurrent loans to loans | 1.1986% | 592 |
| Net loans and leases to total assets | 48.1900% | 3,673 |
| Net loans and leases to deposits | 52.0007% | 3,837 |
| Net loans and leases to core deposits | 54.9096% | 3,855 |
| Total domestic deposits to total assets | 92.6700% | 300 |
| Equity capital to assets | 6.0267% | 4,142 |
| Core capital (leverage) ratio | 9.4123% | 3,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $586,320,333 | 1,508 |
| Average earning assets | $554,586,000 | 1,483 |
| Average equity | $33,193,000 | 2,136 |
| Average total loans | $273,831,000 | 1,894 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3355% | 2,714 |
| Cost of funding earning assets | 0.7396% | 2,928 |
| Net interest margin | 3.5959% | 2,142 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 2.2206% | 3,041 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 1.0819% | 2,280 |
| Return on assets (ROA) | 1.0819% | 2,254 |
| Pretax return on assets | 1.3343% | 2,075 |
| Return on Equity (ROE) | 19.7300% | 799 |
| Retained earnings to average equity (ytd only) | 12.7348% | 1,135 |
| Net charge-offs to loans | -0.0030% | 3,513 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.9741% | 2,961 |
| Assets per employee ($millions) | 5.7936% | 2,945 |
| Cash dividends to net income (ytd only)* | 35.4597% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6891% | 830 |
| Loan loss allowance to noncurrent loans | 131.8508% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 0.5956% | 856 |
| Noncurrent loans to loans | 1.2811% | 526 |
| Net loans and leases to total assets | 45.7000% | 3,786 |
| Net loans and leases to deposits | 48.7093% | 3,939 |
| Net loans and leases to core deposits | 50.9643% | 3,961 |
| Total domestic deposits to total assets | 93.8300% | 188 |
| Equity capital to assets | 5.8373% | 4,256 |
| Core capital (leverage) ratio | 9.1279% | 3,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $591,190,000 | 1,518 |
| Average earning assets | $559,195,000 | 1,491 |
| Average equity | $32,415,000 | 2,195 |
| Average total loans | $269,453,500 | 1,930 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6137% | 2,764 |
| Cost of funding earning assets | 0.2492% | 3,326 |
| Net interest margin | 3.3645% | 2,367 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 2.0010% | 3,574 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.1930% | 1,801 |
| Return on assets (ROA) | 1.1831% | 1,779 |
| Pretax return on assets | 1.4442% | 1,640 |
| Return on Equity (ROE) | 19.3200% | 536 |
| Retained earnings to average equity (ytd only) | 13.8562% | 406 |
| Net charge-offs to loans | -0.0021% | 3,449 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 55.8740% | 3,596 |
| Assets per employee ($millions) | 5.9723% | 2,792 |
| Cash dividends to net income (ytd only)* | 28.2643% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6648% | 851 |
| Loan loss allowance to noncurrent loans | 124.4189% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 0.5979% | 836 |
| Noncurrent loans to loans | 1.3381% | 513 |
| Net loans and leases to total assets | 43.9400% | 3,899 |
| Net loans and leases to deposits | 46.5075% | 4,031 |
| Net loans and leases to core deposits | 47.9697% | 4,057 |
| Total domestic deposits to total assets | 94.4800% | 196 |
| Equity capital to assets | 5.1359% | 4,332 |
| Core capital (leverage) ratio | 8.7181% | 3,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6740% | 1,194 |
| Memoranda: | ||
| Average total assets | $593,613,200 | 1,502 |
| Average earning assets | $565,457,600 | 1,466 |
| Average equity | $36,359,200 | 2,053 |
| Average total loans | $243,104,400 | 1,983 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4191% | 2,865 |
| Cost of funding earning assets | 0.1882% | 3,417 |
| Net interest margin | 3.2309% | 2,527 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 1.9679% | 3,563 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.1295% | 1,975 |
| Return on assets (ROA) | 1.1295% | 1,941 |
| Pretax return on assets | 1.3731% | 1,803 |
| Return on Equity (ROE) | 17.7200% | 683 |
| Retained earnings to average equity (ytd only) | 12.7152% | 660 |
| Net charge-offs to loans | -0.0022% | 3,286 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 56.6504% | 3,555 |
| Assets per employee ($millions) | 6.1369% | 2,637 |
| Cash dividends to net income (ytd only)* | 28.2414% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7212% | 839 |
| Loan loss allowance to noncurrent loans | 119.9345% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 0.6152% | 864 |
| Noncurrent loans to loans | 1.4351% | 495 |
| Net loans and leases to total assets | 42.1300% | 3,978 |
| Net loans and leases to deposits | 43.9281% | 4,116 |
| Net loans and leases to core deposits | 44.9870% | 4,146 |
| Total domestic deposits to total assets | 95.9000% | 142 |
| Equity capital to assets | 3.8090% | 4,496 |
| Core capital (leverage) ratio | 8.5545% | 4,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3925% | 1,315 |
| Memoranda: | ||
| Average total assets | $592,709,750 | 1,505 |
| Average earning assets | $566,021,500 | 1,467 |
| Average equity | $37,780,750 | 2,031 |
| Average total loans | $237,162,250 | 2,013 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2144% | 2,998 |
| Cost of funding earning assets | 0.1505% | 3,568 |
| Net interest margin | 3.0639% | 2,666 |
| Noninterest income to average assets | 0.3281% | 3,202 |
| Noninterest expense to average assets | 1.9302% | 3,633 |
| Loan and lease loss provision to assets | 0.0608% | 1,504 |
| Net operating income to assets | 1.0536% | 1,960 |
| Return on assets (ROA) | 1.0536% | 1,926 |
| Pretax return on assets | 1.2740% | 1,833 |
| Return on Equity (ROE) | 14.5645% | 984 |
| Retained earnings to average equity (ytd only) | 10.5894% | 881 |
| Net charge-offs to loans | -0.0017% | 3,107 |
| Credit loss provision to net charge-offs | -9,000.0000% | 3,842 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9487% | 3,568 |
| Assets per employee ($millions) | 6.2608% | 2,511 |
| Cash dividends to net income (ytd only)* | 27.2931% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8112% | 803 |
| Loan loss allowance to noncurrent loans | 115.4572% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 0.6299% | 878 |
| Noncurrent loans to loans | 1.5687% | 468 |
| Net loans and leases to total assets | 39.4271% | 4,103 |
| Net loans and leases to deposits | 41.8568% | 4,197 |
| Net loans and leases to core deposits | 43.1804% | 4,218 |
| Total domestic deposits to total assets | 94.1950% | 254 |
| Equity capital to assets | 5.5243% | 4,354 |
| Core capital (leverage) ratio | 8.5674% | 3,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1406% | 1,155 |
| Memoranda: | ||
| Average total assets | $591,852,667 | 1,519 |
| Average earning assets | $567,313,667 | 1,477 |
| Average equity | $42,816,333 | 1,902 |
| Average total loans | $231,160,000 | 2,047 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0665% | 3,063 |
| Cost of funding earning assets | 0.1337% | 3,720 |
| Net interest margin | 2.9328% | 2,726 |
| Noninterest income to average assets | 0.3511% | 2,993 |
| Noninterest expense to average assets | 1.9100% | 3,660 |
| Loan and lease loss provision to assets | 0.0607% | 1,319 |
| Net operating income to assets | 1.0015% | 1,880 |
| Return on assets (ROA) | 1.0015% | 1,874 |
| Pretax return on assets | 1.2043% | 1,796 |
| Return on Equity (ROE) | 12.3913% | 1,200 |
| Retained earnings to average equity (ytd only) | 8.8474% | 1,310 |
| Net charge-offs to loans | -0.0017% | 3,085 |
| Credit loss provision to net charge-offs | -9,000.0000% | 3,557 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9471% | 3,590 |
| Assets per employee ($millions) | 6.1679% | 2,651 |
| Cash dividends to net income (ytd only)* | 28.6003% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8214% | 848 |
| Loan loss allowance to noncurrent loans | 6,071.0145% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.0114% | 3,954 |
| Noncurrent loans to loans | 0.0300% | 3,778 |
| Net loans and leases to total assets | 37.3554% | 4,145 |
| Net loans and leases to deposits | 40.2454% | 4,237 |
| Net loans and leases to core deposits | 41.3307% | 4,264 |
| Total domestic deposits to total assets | 92.8191% | 317 |
| Equity capital to assets | 6.8958% | 4,261 |
| Core capital (leverage) ratio | 8.5297% | 3,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5259% | 1,137 |
| Memoranda: | ||
| Average total assets | $593,523,000 | 1,515 |
| Average earning assets | $571,458,000 | 1,474 |
| Average equity | $47,969,000 | 1,792 |
| Average total loans | $228,583,500 | 2,053 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1505% | 3,580 |
| Cost of funding earning assets | 0.1645% | 3,827 |
| Net interest margin | 2.9859% | 3,236 |
| Noninterest income to average assets | 0.4174% | 2,963 |
| Noninterest expense to average assets | 2.0199% | 3,621 |
| Loan and lease loss provision to assets | 0.0828% | 1,485 |
| Net operating income to assets | 0.9897% | 2,714 |
| Return on assets (ROA) | 0.9921% | 2,771 |
| Pretax return on assets | 1.1835% | 2,722 |
| Return on Equity (ROE) | 10.2458% | 2,434 |
| Retained earnings to average equity (ytd only) | 6.3643% | 2,195 |
| Net charge-offs to loans | -0.0094% | 3,724 |
| Credit loss provision to net charge-offs | -2,300.0000% | 4,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2786% | 3,107 |
| Assets per employee ($millions) | 6.0687% | 2,696 |
| Cash dividends to net income (ytd only)* | 37.8835% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8038% | 859 |
| Loan loss allowance to noncurrent loans | 5,691.6667% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.0300% | 3,823 |
| Noncurrent loans to loans | 0.0317% | 3,846 |
| Net loans and leases to total assets | 38.2916% | 4,177 |
| Net loans and leases to deposits | 42.4197% | 4,255 |
| Net loans and leases to core deposits | 43.7312% | 4,276 |
| Total domestic deposits to total assets | 90.2684% | 831 |
| Equity capital to assets | 9.3128% | 3,308 |
| Core capital (leverage) ratio | 8.4435% | 3,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $555,280,200 | 1,557 |
| Average earning assets | $532,971,400 | 1,509 |
| Average equity | $53,768,600 | 1,660 |
| Average total loans | $212,148,600 | 2,158 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1520% | 3,697 |
| Cost of funding earning assets | 0.1710% | 3,913 |
| Net interest margin | 2.9810% | 3,355 |
| Noninterest income to average assets | 0.4512% | 2,831 |
| Noninterest expense to average assets | 2.0353% | 3,571 |
| Loan and lease loss provision to assets | 0.0899% | 1,333 |
| Net operating income to assets | 0.9933% | 2,937 |
| Return on assets (ROA) | 0.9933% | 3,013 |
| Pretax return on assets | 1.1825% | 2,983 |
| Return on Equity (ROE) | 10.1551% | 2,681 |
| Retained earnings to average equity (ytd only) | 6.2655% | 2,713 |
| Net charge-offs to loans | -0.0128% | 3,783 |
| Credit loss provision to net charge-offs | -1,850.0000% | 3,981 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2822% | 2,942 |
| Assets per employee ($millions) | 6.0259% | 2,668 |
| Cash dividends to net income (ytd only)* | 38.3015% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8142% | 902 |
| Loan loss allowance to noncurrent loans | 5,344.0000% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.0308% | 3,959 |
| Noncurrent loans to loans | 0.0339% | 3,962 |
| Net loans and leases to total assets | 37.4979% | 4,322 |
| Net loans and leases to deposits | 41.6000% | 4,392 |
| Net loans and leases to core deposits | 42.9085% | 4,415 |
| Total domestic deposits to total assets | 90.1392% | 710 |
| Equity capital to assets | 9.3856% | 3,480 |
| Core capital (leverage) ratio | 8.4881% | 4,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $548,451,500 | 1,587 |
| Average earning assets | $525,544,750 | 1,544 |
| Average equity | $53,646,750 | 1,681 |
| Average total loans | $208,390,000 | 2,212 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2133% | 3,651 |
| Cost of funding earning assets | 0.1788% | 3,962 |
| Net interest margin | 3.0345% | 3,227 |
| Noninterest income to average assets | 0.3521% | 3,350 |
| Noninterest expense to average assets | 2.0407% | 3,573 |
| Loan and lease loss provision to assets | 0.1040% | 1,213 |
| Net operating income to assets | 0.9427% | 3,082 |
| Return on assets (ROA) | 0.9427% | 3,165 |
| Pretax return on assets | 1.1140% | 3,170 |
| Return on Equity (ROE) | 9.5001% | 2,950 |
| Retained earnings to average equity (ytd only) | 5.5960% | 2,962 |
| Net charge-offs to loans | -0.0186% | 3,968 |
| Credit loss provision to net charge-offs | -1,473.6842% | 3,752 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3359% | 2,826 |
| Assets per employee ($millions) | 5.5520% | 3,066 |
| Cash dividends to net income (ytd only)* | 41.0954% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8951% | 742 |
| Loan loss allowance to noncurrent loans | 4,720.4819% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.0673% | 3,768 |
| Noncurrent loans to loans | 0.0401% | 3,991 |
| Net loans and leases to total assets | 36.9004% | 4,430 |
| Net loans and leases to deposits | 41.1620% | 4,480 |
| Net loans and leases to core deposits | 42.5805% | 4,503 |
| Total domestic deposits to total assets | 89.6468% | 952 |
| Equity capital to assets | 9.8238% | 3,033 |
| Core capital (leverage) ratio | 8.6878% | 3,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $538,441,000 | 1,605 |
| Average earning assets | $515,733,000 | 1,556 |
| Average equity | $53,431,000 | 1,681 |
| Average total loans | $204,211,000 | 2,253 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3842% | 3,246 |
| Cost of funding earning assets | 0.1928% | 3,981 |
| Net interest margin | 3.1915% | 2,729 |
| Noninterest income to average assets | 0.3303% | 3,449 |
| Noninterest expense to average assets | 2.0629% | 3,528 |
| Loan and lease loss provision to assets | 0.1126% | 1,228 |
| Net operating income to assets | 1.0149% | 2,767 |
| Return on assets (ROA) | 1.0149% | 2,850 |
| Pretax return on assets | 1.2124% | 2,815 |
| Return on Equity (ROE) | 10.1753% | 2,636 |
| Retained earnings to average equity (ytd only) | 6.2466% | 2,813 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6277% | 3,073 |
| Assets per employee ($millions) | 5.5259% | 3,089 |
| Cash dividends to net income (ytd only)* | 38.6095% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8453% | 802 |
| Loan loss allowance to noncurrent loans | 4,095.6522% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.0700% | 3,872 |
| Noncurrent loans to loans | 0.0451% | 4,065 |
| Net loans and leases to total assets | 37.0101% | 4,456 |
| Net loans and leases to deposits | 41.2097% | 4,528 |
| Net loans and leases to core deposits | 42.6498% | 4,543 |
| Total domestic deposits to total assets | 89.8092% | 910 |
| Equity capital to assets | 9.6970% | 3,004 |
| Core capital (leverage) ratio | 8.9330% | 3,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $532,839,000 | 1,604 |
| Average earning assets | $510,484,000 | 1,561 |
| Average equity | $53,148,500 | 1,677 |
| Average total loans | $202,947,000 | 2,262 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7747% | 3,375 |
| Cost of funding earning assets | 0.3600% | 3,819 |
| Net interest margin | 3.4147% | 2,732 |
| Noninterest income to average assets | 0.3573% | 3,329 |
| Noninterest expense to average assets | 2.2310% | 3,591 |
| Loan and lease loss provision to assets | 0.1124% | 2,944 |
| Net operating income to assets | 1.0521% | 2,099 |
| Return on assets (ROA) | 1.0644% | 2,191 |
| Pretax return on assets | 1.2855% | 2,030 |
| Return on Equity (ROE) | 10.2598% | 1,905 |
| Retained earnings to average equity (ytd only) | 7.3697% | 1,248 |
| Net charge-offs to loans | 0.1076% | 1,396 |
| Credit loss provision to net charge-offs | 243.2432% | 1,965 |
| Earnings coverage of net charge-offs (x) | 29.9234% | 1,616 |
| Efficiency ratio | 60.4275% | 3,391 |
| Assets per employee ($millions) | 5.4035% | 2,951 |
| Cash dividends to net income (ytd only)* | 28.1690% | 2,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7937% | 867 |
| Loan loss allowance to noncurrent loans | 3,691.8367% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.1107% | 3,743 |
| Noncurrent loans to loans | 0.0486% | 4,101 |
| Net loans and leases to total assets | 37.7923% | 4,529 |
| Net loans and leases to deposits | 43.2469% | 4,551 |
| Net loans and leases to core deposits | 44.6832% | 4,582 |
| Total domestic deposits to total assets | 87.3873% | 1,747 |
| Equity capital to assets | 10.2614% | 2,871 |
| Core capital (leverage) ratio | 8.8948% | 3,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $480,269,000 | 1,609 |
| Average earning assets | $458,072,400 | 1,568 |
| Average equity | $49,825,400 | 1,695 |
| Average total loans | $206,365,400 | 2,189 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8652% | 3,371 |
| Cost of funding earning assets | 0.3986% | 3,814 |
| Net interest margin | 3.4666% | 2,700 |
| Noninterest income to average assets | 0.3509% | 3,357 |
| Noninterest expense to average assets | 2.2669% | 3,507 |
| Loan and lease loss provision to assets | 0.1108% | 2,934 |
| Net operating income to assets | 1.0552% | 2,121 |
| Return on assets (ROA) | 1.0719% | 2,205 |
| Pretax return on assets | 1.2966% | 2,062 |
| Return on Equity (ROE) | 10.3009% | 1,906 |
| Retained earnings to average equity (ytd only) | 8.8458% | 1,025 |
| Net charge-offs to loans | 0.1433% | 1,022 |
| Credit loss provision to net charge-offs | 174.8879% | 2,205 |
| Earnings coverage of net charge-offs (x) | 21.8969% | 1,848 |
| Efficiency ratio | 60.7137% | 3,271 |
| Assets per employee ($millions) | 5.2970% | 2,897 |
| Cash dividends to net income (ytd only)* | 14.1267% | 3,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6095% | 1,075 |
| Loan loss allowance to noncurrent loans | 3,432.6733% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.1255% | 3,799 |
| Noncurrent loans to loans | 0.0469% | 4,194 |
| Net loans and leases to total assets | 41.6784% | 4,511 |
| Net loans and leases to deposits | 47.5675% | 4,566 |
| Net loans and leases to core deposits | 49.2980% | 4,594 |
| Total domestic deposits to total assets | 87.6193% | 1,387 |
| Equity capital to assets | 10.2194% | 3,045 |
| Core capital (leverage) ratio | 9.1094% | 3,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $469,301,500 | 1,625 |
| Average earning assets | $447,190,000 | 1,585 |
| Average equity | $48,835,750 | 1,719 |
| Average total loans | $207,531,250 | 2,180 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0042% | 3,309 |
| Cost of funding earning assets | 0.4313% | 3,888 |
| Net interest margin | 3.5729% | 2,568 |
| Noninterest income to average assets | 0.3389% | 3,445 |
| Noninterest expense to average assets | 2.2993% | 3,515 |
| Loan and lease loss provision to assets | 0.1052% | 2,960 |
| Net operating income to assets | 1.0990% | 1,970 |
| Return on assets (ROA) | 1.0990% | 2,088 |
| Pretax return on assets | 1.3370% | 1,916 |
| Return on Equity (ROE) | 10.4913% | 1,812 |
| Retained earnings to average equity (ytd only) | 10.1607% | 762 |
| Net charge-offs to loans | 0.2177% | 712 |
| Credit loss provision to net charge-offs | 107.6233% | 2,353 |
| Earnings coverage of net charge-offs (x) | 14.7534% | 1,935 |
| Efficiency ratio | 60.1289% | 3,398 |
| Assets per employee ($millions) | 4.9831% | 3,188 |
| Cash dividends to net income (ytd only)* | 3.1512% | 3,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5027% | 1,257 |
| Loan loss allowance to noncurrent loans | 2,271.2329% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.1734% | 3,664 |
| Noncurrent loans to loans | 0.0662% | 4,208 |
| Net loans and leases to total assets | 44.9661% | 4,406 |
| Net loans and leases to deposits | 50.6168% | 4,508 |
| Net loans and leases to core deposits | 52.7371% | 4,535 |
| Total domestic deposits to total assets | 88.8364% | 808 |
| Equity capital to assets | 10.5584% | 2,703 |
| Core capital (leverage) ratio | 9.5466% | 3,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $456,231,667 | 1,641 |
| Average earning assets | $434,495,000 | 1,598 |
| Average equity | $47,792,000 | 1,746 |
| Average total loans | $204,906,333 | 2,180 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9717% | 3,870 |
| Cost of funding earning assets | 0.4867% | 4,005 |
| Net interest margin | 3.4850% | 3,032 |
| Noninterest income to average assets | 0.3416% | 3,472 |
| Noninterest expense to average assets | 2.3367% | 3,687 |
| Loan and lease loss provision to assets | 0.0813% | 2,685 |
| Net operating income to assets | 1.0176% | 2,124 |
| Return on assets (ROA) | 1.0184% | 2,221 |
| Pretax return on assets | 1.2370% | 2,076 |
| Return on Equity (ROE) | 9.7638% | 1,821 |
| Retained earnings to average equity (ytd only) | 9.7638% | 790 |
| Net charge-offs to loans | 0.4548% | 318 |
| Credit loss provision to net charge-offs | 40.1786% | 2,095 |
| Earnings coverage of net charge-offs (x) | 6.5089% | 1,980 |
| Efficiency ratio | 62.5371% | 3,431 |
| Assets per employee ($millions) | 4.7162% | 2,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6121% | 1,040 |
| Loan loss allowance to noncurrent loans | 2,153.7415% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.1953% | 3,706 |
| Noncurrent loans to loans | 0.0749% | 4,220 |
| Net loans and leases to total assets | 43.1264% | 4,543 |
| Net loans and leases to deposits | 49.0886% | 4,624 |
| Net loans and leases to core deposits | 51.3633% | 4,645 |
| Total domestic deposits to total assets | 87.8542% | 1,163 |
| Equity capital to assets | 10.3716% | 3,453 |
| Core capital (leverage) ratio | 9.7804% | 3,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $442,669,000 | 1,639 |
| Average earning assets | $420,778,000 | 1,600 |
| Average equity | $46,170,500 | 1,787 |
| Average total loans | $197,028,000 | 2,208 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3072% | 3,525 |
| Cost of funding earning assets | 0.5018% | 4,084 |
| Net interest margin | 3.8054% | 2,487 |
| Noninterest income to average assets | 0.3506% | 3,603 |
| Noninterest expense to average assets | 2.4381% | 3,598 |
| Loan and lease loss provision to assets | 0.0940% | 2,154 |
| Net operating income to assets | 1.1676% | 2,185 |
| Return on assets (ROA) | 1.2056% | 2,126 |
| Pretax return on assets | 1.4824% | 1,857 |
| Return on Equity (ROE) | 11.7275% | 1,611 |
| Retained earnings to average equity (ytd only) | 7.3954% | 1,208 |
| Net charge-offs to loans | -0.0209% | 4,631 |
| Credit loss provision to net charge-offs | -963.4146% | 4,516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4175% | 3,630 |
| Assets per employee ($millions) | 4.7532% | 2,890 |
| Cash dividends to net income (ytd only)* | 36.9398% | 2,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6690% | 851 |
| Loan loss allowance to noncurrent loans | 350.2123% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.3398% | 3,051 |
| Noncurrent loans to loans | 0.4766% | 2,763 |
| Net loans and leases to total assets | 44.4474% | 4,583 |
| Net loans and leases to deposits | 50.2418% | 4,678 |
| Net loans and leases to core deposits | 52.3617% | 4,693 |
| Total domestic deposits to total assets | 88.4669% | 903 |
| Equity capital to assets | 10.4899% | 3,459 |
| Core capital (leverage) ratio | 9.5210% | 4,038 |
| Tier 1 risk-based capital ratio | 17.0897% | 2,025 |
| Total risk-based capital ratio | 18.3419% | 1,958 |
| Memoranda: | ||
| Average total assets | $420,117,600 | 1,666 |
| Average earning assets | $399,328,400 | 1,634 |
| Average equity | $43,189,000 | 1,811 |
| Average total loans | $196,029,000 | 2,194 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3399% | 3,550 |
| Cost of funding earning assets | 0.4959% | 4,155 |
| Net interest margin | 3.8440% | 2,460 |
| Noninterest income to average assets | 0.3591% | 3,577 |
| Noninterest expense to average assets | 2.4744% | 3,507 |
| Loan and lease loss provision to assets | 0.0978% | 1,959 |
| Net operating income to assets | 1.1746% | 2,281 |
| Return on assets (ROA) | 1.2255% | 2,183 |
| Pretax return on assets | 1.5038% | 1,941 |
| Return on Equity (ROE) | 11.9851% | 1,623 |
| Retained earnings to average equity (ytd only) | 7.6295% | 1,569 |
| Net charge-offs to loans | 0.0245% | 2,611 |
| Credit loss provision to net charge-offs | 847.2222% | 416 |
| Earnings coverage of net charge-offs (x) | 133.3023% | 600 |
| Efficiency ratio | 60.7303% | 3,514 |
| Assets per employee ($millions) | 4.6770% | 2,941 |
| Cash dividends to net income (ytd only)* | 36.3422% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6007% | 995 |
| Loan loss allowance to noncurrent loans | 599.0440% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.2445% | 3,591 |
| Noncurrent loans to loans | 0.2672% | 3,585 |
| Net loans and leases to total assets | 43.8070% | 4,700 |
| Net loans and leases to deposits | 49.1681% | 4,797 |
| Net loans and leases to core deposits | 51.1592% | 4,813 |
| Total domestic deposits to total assets | 89.0964% | 578 |
| Equity capital to assets | 10.3521% | 3,676 |
| Core capital (leverage) ratio | 9.4464% | 4,221 |
| Tier 1 risk-based capital ratio | 17.0067% | 2,086 |
| Total risk-based capital ratio | 18.2584% | 2,035 |
| Memoranda: | ||
| Average total assets | $415,822,750 | 1,695 |
| Average earning assets | $395,270,250 | 1,655 |
| Average equity | $42,518,250 | 1,842 |
| Average total loans | $195,619,750 | 2,218 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3647% | 3,437 |
| Cost of funding earning assets | 0.4865% | 4,179 |
| Net interest margin | 3.8783% | 2,312 |
| Noninterest income to average assets | 0.3349% | 3,695 |
| Noninterest expense to average assets | 2.5105% | 3,438 |
| Loan and lease loss provision to assets | 0.0956% | 1,940 |
| Net operating income to assets | 1.1603% | 2,290 |
| Return on assets (ROA) | 1.2391% | 2,064 |
| Pretax return on assets | 1.5191% | 1,799 |
| Return on Equity (ROE) | 12.1724% | 1,515 |
| Retained earnings to average equity (ytd only) | 7.7938% | 1,471 |
| Net charge-offs to loans | 0.0389% | 2,106 |
| Credit loss provision to net charge-offs | 513.1579% | 584 |
| Earnings coverage of net charge-offs (x) | 81.5000% | 805 |
| Efficiency ratio | 61.5918% | 3,490 |
| Assets per employee ($millions) | 4.5083% | 3,130 |
| Cash dividends to net income (ytd only)* | 35.9715% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5457% | 1,146 |
| Loan loss allowance to noncurrent loans | 568.9266% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.2502% | 3,573 |
| Noncurrent loans to loans | 0.2717% | 3,558 |
| Net loans and leases to total assets | 44.4610% | 4,703 |
| Net loans and leases to deposits | 49.6774% | 4,814 |
| Net loans and leases to core deposits | 51.3581% | 4,834 |
| Total domestic deposits to total assets | 89.4995% | 476 |
| Equity capital to assets | 10.0832% | 3,906 |
| Core capital (leverage) ratio | 9.5846% | 4,060 |
| Tier 1 risk-based capital ratio | 16.7474% | 2,163 |
| Total risk-based capital ratio | 17.9987% | 2,103 |
| Memoranda: | ||
| Average total assets | $407,883,000 | 1,734 |
| Average earning assets | $388,525,670 | 1,687 |
| Average equity | $41,520,330 | 1,873 |
| Average total loans | $195,584,000 | 2,227 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3625% | 3,366 |
| Cost of funding earning assets | 0.4788% | 4,162 |
| Net interest margin | 3.8837% | 2,240 |
| Noninterest income to average assets | 0.3207% | 3,715 |
| Noninterest expense to average assets | 2.4298% | 3,682 |
| Loan and lease loss provision to assets | 0.0455% | 2,736 |
| Net operating income to assets | 1.2675% | 1,824 |
| Return on assets (ROA) | 1.2675% | 1,873 |
| Pretax return on assets | 1.5538% | 1,602 |
| Return on Equity (ROE) | 12.3874% | 1,416 |
| Retained earnings to average equity (ytd only) | 8.1858% | 1,595 |
| Net charge-offs to loans | 0.0859% | 1,244 |
| Credit loss provision to net charge-offs | 107.1429% | 1,515 |
| Earnings coverage of net charge-offs (x) | 37.6429% | 1,194 |
| Efficiency ratio | 59.9046% | 3,816 |
| Assets per employee ($millions) | 4.4544% | 3,249 |
| Cash dividends to net income (ytd only)* | 33.9186% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4605% | 1,475 |
| Loan loss allowance to noncurrent loans | 492.4399% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.2287% | 3,707 |
| Noncurrent loans to loans | 0.2966% | 3,504 |
| Net loans and leases to total assets | 48.2353% | 4,575 |
| Net loans and leases to deposits | 55.1728% | 4,637 |
| Net loans and leases to core deposits | 56.9058% | 4,680 |
| Total domestic deposits to total assets | 87.4259% | 1,604 |
| Equity capital to assets | 10.3475% | 3,476 |
| Core capital (leverage) ratio | 10.3479% | 3,224 |
| Tier 1 risk-based capital ratio | 17.2767% | 2,025 |
| Total risk-based capital ratio | 18.5275% | 1,963 |
| Memoranda: | ||
| Average total assets | $395,426,000 | 1,783 |
| Average earning assets | $377,577,500 | 1,742 |
| Average equity | $40,460,500 | 1,913 |
| Average total loans | $195,652,500 | 2,240 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2305% | 3,355 |
| Cost of funding earning assets | 0.3526% | 4,269 |
| Net interest margin | 3.8780% | 2,403 |
| Noninterest income to average assets | 0.3401% | 3,838 |
| Noninterest expense to average assets | 2.4011% | 3,874 |
| Loan and lease loss provision to assets | 0.0313% | 3,555 |
| Net operating income to assets | 1.2777% | 1,886 |
| Return on assets (ROA) | 1.2740% | 1,897 |
| Pretax return on assets | 1.5861% | 1,509 |
| Return on Equity (ROE) | 12.9857% | 1,360 |
| Retained earnings to average equity (ytd only) | 9.5429% | 727 |
| Net charge-offs to loans | -0.0005% | 4,163 |
| Credit loss provision to net charge-offs | -12,000.0000% | 4,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2650% | 3,974 |
| Assets per employee ($millions) | 4.4313% | 3,265 |
| Cash dividends to net income (ytd only)* | 26.5122% | 3,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4682% | 1,390 |
| Loan loss allowance to noncurrent loans | 255.4862% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.3072% | 3,336 |
| Noncurrent loans to loans | 0.5747% | 2,559 |
| Net loans and leases to total assets | 49.2880% | 4,568 |
| Net loans and leases to deposits | 56.1336% | 4,659 |
| Net loans and leases to core deposits | 57.8206% | 4,708 |
| Total domestic deposits to total assets | 87.8047% | 1,389 |
| Equity capital to assets | 10.1135% | 3,556 |
| Core capital (leverage) ratio | 10.0950% | 3,466 |
| Tier 1 risk-based capital ratio | 16.8010% | 2,134 |
| Total risk-based capital ratio | 18.0517% | 2,074 |
| Memoranda: | ||
| Average total assets | $382,821,800 | 1,789 |
| Average earning assets | $363,593,800 | 1,755 |
| Average equity | $37,556,600 | 1,961 |
| Average total loans | $186,147,600 | 2,285 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1800% | 3,384 |
| Cost of funding earning assets | 0.3345% | 4,282 |
| Net interest margin | 3.8455% | 2,484 |
| Noninterest income to average assets | 0.3464% | 3,827 |
| Noninterest expense to average assets | 2.3829% | 3,893 |
| Loan and lease loss provision to assets | 0.0315% | 3,385 |
| Net operating income to assets | 1.2630% | 1,986 |
| Return on assets (ROA) | 1.2579% | 2,015 |
| Pretax return on assets | 1.5743% | 1,656 |
| Return on Equity (ROE) | 12.9245% | 1,464 |
| Retained earnings to average equity (ytd only) | 9.4372% | 1,062 |
| Net charge-offs to loans | 0.0007% | 3,475 |
| Credit loss provision to net charge-offs | 9,000.0000% | 40 |
| Earnings coverage of net charge-offs (x) | 4,618.4286% | 9 |
| Efficiency ratio | 59.2275% | 3,930 |
| Assets per employee ($millions) | 4.5669% | 3,018 |
| Cash dividends to net income (ytd only)* | 26.9819% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4790% | 1,421 |
| Loan loss allowance to noncurrent loans | 313.2743% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.2527% | 3,695 |
| Noncurrent loans to loans | 0.4721% | 2,972 |
| Net loans and leases to total assets | 48.5960% | 4,686 |
| Net loans and leases to deposits | 54.0429% | 4,821 |
| Net loans and leases to core deposits | 55.4256% | 4,859 |
| Total domestic deposits to total assets | 89.9212% | 537 |
| Equity capital to assets | 9.7414% | 3,881 |
| Core capital (leverage) ratio | 10.1301% | 3,491 |
| Tier 1 risk-based capital ratio | 16.6210% | 2,234 |
| Total risk-based capital ratio | 17.8719% | 2,182 |
| Memoranda: | ||
| Average total assets | $381,038,500 | 1,801 |
| Average earning assets | $361,523,000 | 1,772 |
| Average equity | $37,086,250 | 1,984 |
| Average total loans | $183,918,250 | 2,316 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1067% | 3,430 |
| Cost of funding earning assets | 0.3104% | 4,348 |
| Net interest margin | 3.7963% | 2,576 |
| Noninterest income to average assets | 0.3460% | 3,860 |
| Noninterest expense to average assets | 2.3937% | 3,915 |
| Loan and lease loss provision to assets | 0.0317% | 3,277 |
| Net operating income to assets | 1.2145% | 2,134 |
| Return on assets (ROA) | 1.1942% | 2,225 |
| Pretax return on assets | 1.4932% | 1,840 |
| Return on Equity (ROE) | 12.2736% | 1,626 |
| Retained earnings to average equity (ytd only) | 8.7723% | 1,291 |
| Net charge-offs to loans | 0.0022% | 3,126 |
| Credit loss provision to net charge-offs | 3,000.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 1,467.5000% | 51 |
| Efficiency ratio | 60.2652% | 3,900 |
| Assets per employee ($millions) | 4.6378% | 2,905 |
| Cash dividends to net income (ytd only)* | 28.5272% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4855% | 1,444 |
| Loan loss allowance to noncurrent loans | 479.6233% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.1717% | 4,126 |
| Noncurrent loans to loans | 0.3097% | 3,595 |
| Net loans and leases to total assets | 48.2571% | 4,707 |
| Net loans and leases to deposits | 56.2114% | 4,742 |
| Net loans and leases to core deposits | 57.6582% | 4,807 |
| Total domestic deposits to total assets | 85.8493% | 2,343 |
| Equity capital to assets | 9.7562% | 3,866 |
| Core capital (leverage) ratio | 9.9579% | 3,622 |
| Tier 1 risk-based capital ratio | 16.4610% | 2,269 |
| Total risk-based capital ratio | 17.7117% | 2,213 |
| Memoranda: | ||
| Average total assets | $378,654,670 | 1,820 |
| Average earning assets | $358,876,000 | 1,783 |
| Average equity | $36,843,330 | 1,994 |
| Average total loans | $181,398,670 | 2,345 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0220% | 3,532 |
| Cost of funding earning assets | 0.2834% | 4,474 |
| Net interest margin | 3.7386% | 2,652 |
| Noninterest income to average assets | 0.3611% | 3,729 |
| Noninterest expense to average assets | 2.4361% | 3,845 |
| Loan and lease loss provision to assets | 0.0320% | 3,082 |
| Net operating income to assets | 1.1306% | 2,286 |
| Return on assets (ROA) | 1.0801% | 2,538 |
| Pretax return on assets | 1.3699% | 2,104 |
| Return on Equity (ROE) | 11.1161% | 1,917 |
| Retained earnings to average equity (ytd only) | 7.5752% | 2,000 |
| Net charge-offs to loans | 0.0112% | 2,344 |
| Credit loss provision to net charge-offs | 600.0000% | 515 |
| Earnings coverage of net charge-offs (x) | 275.2000% | 248 |
| Efficiency ratio | 61.9984% | 3,785 |
| Assets per employee ($millions) | 4.5427% | 3,090 |
| Cash dividends to net income (ytd only)* | 31.8540% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5448% | 1,304 |
| Loan loss allowance to noncurrent loans | 525.2372% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.1655% | 4,259 |
| Noncurrent loans to loans | 0.2941% | 3,714 |
| Net loans and leases to total assets | 46.7890% | 4,762 |
| Net loans and leases to deposits | 52.0220% | 4,879 |
| Net loans and leases to core deposits | 53.1158% | 4,946 |
| Total domestic deposits to total assets | 89.9407% | 681 |
| Equity capital to assets | 9.7245% | 3,864 |
| Core capital (leverage) ratio | 9.8307% | 3,728 |
| Tier 1 risk-based capital ratio | 16.4611% | 2,285 |
| Total risk-based capital ratio | 17.7122% | 2,235 |
| Memoranda: | ||
| Average total assets | $375,514,000 | 1,844 |
| Average earning assets | $355,640,500 | 1,808 |
| Average equity | $36,487,500 | 2,014 |
| Average total loans | $177,818,000 | 2,386 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9079% | 3,700 |
| Cost of funding earning assets | 0.2470% | 4,591 |
| Net interest margin | 3.6609% | 2,946 |
| Noninterest income to average assets | 0.3476% | 3,979 |
| Noninterest expense to average assets | 2.4193% | 4,020 |
| Loan and lease loss provision to assets | 0.0242% | 3,813 |
| Net operating income to assets | 1.0477% | 2,062 |
| Return on assets (ROA) | 1.0250% | 2,168 |
| Pretax return on assets | 1.3448% | 2,194 |
| Return on Equity (ROE) | 10.8099% | 1,550 |
| Retained earnings to average equity (ytd only) | 7.7153% | 854 |
| Net charge-offs to loans | -0.0169% | 4,909 |
| Credit loss provision to net charge-offs | -321.4286% | 4,873 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9102% | 3,794 |
| Assets per employee ($millions) | 4.4522% | 3,266 |
| Cash dividends to net income (ytd only)* | 28.6278% | 3,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5545% | 1,259 |
| Loan loss allowance to noncurrent loans | 2,248.3607% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.0586% | 4,837 |
| Noncurrent loans to loans | 0.0691% | 4,688 |
| Net loans and leases to total assets | 46.4485% | 4,863 |
| Net loans and leases to deposits | 51.6381% | 5,003 |
| Net loans and leases to core deposits | 52.7459% | 5,052 |
| Total domestic deposits to total assets | 89.9501% | 585 |
| Equity capital to assets | 9.7088% | 4,024 |
| Core capital (leverage) ratio | 9.5975% | 3,919 |
| Tier 1 risk-based capital ratio | 16.6109% | 2,225 |
| Total risk-based capital ratio | 17.8622% | 2,173 |
| Memoranda: | ||
| Average total assets | $371,139,200 | 1,827 |
| Average earning assets | $351,849,400 | 1,791 |
| Average equity | $35,190,000 | 2,069 |
| Average total loans | $165,449,600 | 2,471 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8570% | 3,808 |
| Cost of funding earning assets | 0.2458% | 4,600 |
| Net interest margin | 3.6112% | 3,105 |
| Noninterest income to average assets | 0.3466% | 4,061 |
| Noninterest expense to average assets | 2.4152% | 3,981 |
| Loan and lease loss provision to assets | 0.0227% | 3,688 |
| Net operating income to assets | 1.0154% | 2,492 |
| Return on assets (ROA) | 1.0154% | 2,531 |
| Pretax return on assets | 1.3354% | 2,344 |
| Return on Equity (ROE) | 10.7740% | 1,788 |
| Retained earnings to average equity (ytd only) | 7.6537% | 1,370 |
| Net charge-offs to loans | -0.0221% | 4,886 |
| Credit loss provision to net charge-offs | -233.3333% | 4,653 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5505% | 3,640 |
| Assets per employee ($millions) | 4.4888% | 3,170 |
| Cash dividends to net income (ytd only)* | 28.9615% | 2,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5768% | 1,288 |
| Loan loss allowance to noncurrent loans | 2,072.5191% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.0612% | 4,930 |
| Noncurrent loans to loans | 0.0761% | 4,771 |
| Net loans and leases to total assets | 45.4869% | 4,963 |
| Net loans and leases to deposits | 51.5426% | 5,071 |
| Net loans and leases to core deposits | 52.8862% | 5,111 |
| Total domestic deposits to total assets | 88.2510% | 1,229 |
| Equity capital to assets | 9.6828% | 4,262 |
| Core capital (leverage) ratio | 9.4081% | 4,283 |
| Tier 1 risk-based capital ratio | 16.5648% | 2,303 |
| Total risk-based capital ratio | 17.8162% | 2,256 |
| Memoranda: | ||
| Average total assets | $370,428,500 | 1,845 |
| Average earning assets | $351,489,250 | 1,808 |
| Average equity | $34,910,250 | 2,087 |
| Average total loans | $162,699,000 | 2,524 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7533% | 4,061 |
| Cost of funding earning assets | 0.2379% | 4,656 |
| Net interest margin | 3.5155% | 3,340 |
| Noninterest income to average assets | 0.3495% | 4,055 |
| Noninterest expense to average assets | 2.4154% | 4,008 |
| Loan and lease loss provision to assets | 0.0216% | 3,552 |
| Net operating income to assets | 0.9591% | 2,613 |
| Return on assets (ROA) | 0.9591% | 2,672 |
| Pretax return on assets | 1.2464% | 2,606 |
| Return on Equity (ROE) | 10.2717% | 1,925 |
| Retained earnings to average equity (ytd only) | 7.1201% | 1,534 |
| Net charge-offs to loans | -0.0338% | 5,015 |
| Credit loss provision to net charge-offs | -148.1481% | 4,415 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1050% | 3,492 |
| Assets per employee ($millions) | 4.5211% | 3,068 |
| Cash dividends to net income (ytd only)* | 30.6825% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5914% | 1,279 |
| Loan loss allowance to noncurrent loans | 479.8574% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.1753% | 4,487 |
| Noncurrent loans to loans | 0.3316% | 3,853 |
| Net loans and leases to total assets | 44.3620% | 5,021 |
| Net loans and leases to deposits | 49.5528% | 5,157 |
| Net loans and leases to core deposits | 50.8493% | 5,191 |
| Total domestic deposits to total assets | 89.5247% | 719 |
| Equity capital to assets | 9.4224% | 4,490 |
| Core capital (leverage) ratio | 9.3322% | 4,325 |
| Tier 1 risk-based capital ratio | 16.4953% | 2,326 |
| Total risk-based capital ratio | 17.7469% | 2,273 |
| Memoranda: | ||
| Average total assets | $369,715,000 | 1,850 |
| Average earning assets | $350,620,670 | 1,813 |
| Average equity | $34,522,000 | 2,107 |
| Average total loans | $159,537,000 | 2,572 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6636% | 4,222 |
| Cost of funding earning assets | 0.2285% | 4,729 |
| Net interest margin | 3.4351% | 3,503 |
| Noninterest income to average assets | 0.3390% | 4,133 |
| Noninterest expense to average assets | 2.4025% | 4,102 |
| Loan and lease loss provision to assets | 0.0436% | 2,927 |
| Net operating income to assets | 0.9015% | 2,755 |
| Return on assets (ROA) | 0.9015% | 2,809 |
| Pretax return on assets | 1.1533% | 2,766 |
| Return on Equity (ROE) | 9.6997% | 2,101 |
| Retained earnings to average equity (ytd only) | 6.5095% | 2,074 |
| Net charge-offs to loans | -0.0646% | 5,293 |
| Credit loss provision to net charge-offs | -160.0000% | 4,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2629% | 3,455 |
| Assets per employee ($millions) | 4.5647% | 3,067 |
| Cash dividends to net income (ytd only)* | 32.8900% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7256% | 1,097 |
| Loan loss allowance to noncurrent loans | 1,251.1628% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.0844% | 4,934 |
| Noncurrent loans to loans | 0.1379% | 4,641 |
| Net loans and leases to total assets | 41.4339% | 5,186 |
| Net loans and leases to deposits | 46.9094% | 5,266 |
| Net loans and leases to core deposits | 48.0362% | 5,297 |
| Total domestic deposits to total assets | 88.3276% | 1,520 |
| Equity capital to assets | 9.3330% | 4,463 |
| Core capital (leverage) ratio | 9.3266% | 4,310 |
| Tier 1 risk-based capital ratio | 17.5182% | 2,027 |
| Total risk-based capital ratio | 18.7711% | 1,978 |
| Memoranda: | ||
| Average total assets | $366,945,500 | 1,869 |
| Average earning assets | $348,288,000 | 1,837 |
| Average equity | $34,104,000 | 2,140 |
| Average total loans | $154,724,500 | 2,641 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6087% | 4,483 |
| Cost of funding earning assets | 0.2285% | 4,754 |
| Net interest margin | 3.3802% | 3,893 |
| Noninterest income to average assets | 0.3431% | 4,283 |
| Noninterest expense to average assets | 2.3828% | 4,341 |
| Loan and lease loss provision to assets | 0.0075% | 4,208 |
| Net operating income to assets | 0.8980% | 2,834 |
| Return on assets (ROA) | 0.8980% | 2,956 |
| Pretax return on assets | 1.1482% | 2,902 |
| Return on Equity (ROE) | 9.7390% | 2,084 |
| Retained earnings to average equity (ytd only) | 7.1218% | 1,182 |
| Net charge-offs to loans | -0.0103% | 4,942 |
| Credit loss provision to net charge-offs | -180.0000% | 4,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8369% | 3,460 |
| Assets per employee ($millions) | 4.4408% | 3,205 |
| Cash dividends to net income (ytd only)* | 26.8731% | 3,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7094% | 1,120 |
| Loan loss allowance to noncurrent loans | 678.2946% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.1329% | 4,783 |
| Noncurrent loans to loans | 0.2520% | 4,249 |
| Net loans and leases to total assets | 41.4488% | 5,257 |
| Net loans and leases to deposits | 46.8581% | 5,338 |
| Net loans and leases to core deposits | 48.0255% | 5,364 |
| Total domestic deposits to total assets | 88.4561% | 1,400 |
| Equity capital to assets | 9.2545% | 4,514 |
| Core capital (leverage) ratio | 9.3204% | 4,328 |
| Tier 1 risk-based capital ratio | 17.4887% | 2,010 |
| Total risk-based capital ratio | 18.7416% | 1,966 |
| Memoranda: | ||
| Average total assets | $359,696,200 | 1,853 |
| Average earning assets | $340,035,400 | 1,828 |
| Average equity | $33,165,600 | 2,168 |
| Average total loans | $145,541,400 | 2,704 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6044% | 4,545 |
| Cost of funding earning assets | 0.2291% | 4,795 |
| Net interest margin | 3.3752% | 3,939 |
| Noninterest income to average assets | 0.3287% | 4,431 |
| Noninterest expense to average assets | 2.3767% | 4,339 |
| Loan and lease loss provision to assets | 0.0305% | 3,627 |
| Net operating income to assets | 0.8749% | 3,029 |
| Return on assets (ROA) | 0.8749% | 3,159 |
| Pretax return on assets | 1.1092% | 3,191 |
| Return on Equity (ROE) | 9.4976% | 2,274 |
| Retained earnings to average equity (ytd only) | 7.0960% | 1,576 |
| Net charge-offs to loans | -0.0362% | 5,238 |
| Credit loss provision to net charge-offs | -210.2564% | 4,877 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0826% | 3,408 |
| Assets per employee ($millions) | 4.5673% | 2,978 |
| Cash dividends to net income (ytd only)* | 25.2868% | 3,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7957% | 1,021 |
| Loan loss allowance to noncurrent loans | 766.0057% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.4365% | 3,676 |
| Noncurrent loans to loans | 0.2344% | 4,433 |
| Net loans and leases to total assets | 40.9848% | 5,332 |
| Net loans and leases to deposits | 46.3044% | 5,450 |
| Net loans and leases to core deposits | 47.4278% | 5,470 |
| Total domestic deposits to total assets | 88.5116% | 1,154 |
| Equity capital to assets | 9.4261% | 4,745 |
| Core capital (leverage) ratio | 9.3577% | 4,383 |
| Tier 1 risk-based capital ratio | 17.5164% | 2,071 |
| Total risk-based capital ratio | 18.7696% | 2,036 |
| Memoranda: | ||
| Average total assets | $358,583,250 | 1,867 |
| Average earning assets | $338,655,000 | 1,838 |
| Average equity | $33,032,000 | 2,191 |
| Average total loans | $143,536,750 | 2,729 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6216% | 4,528 |
| Cost of funding earning assets | 0.2300% | 4,850 |
| Net interest margin | 3.3916% | 3,926 |
| Noninterest income to average assets | 0.2789% | 4,787 |
| Noninterest expense to average assets | 2.4218% | 4,261 |
| Loan and lease loss provision to assets | 0.0229% | 3,668 |
| Net operating income to assets | 0.8205% | 3,215 |
| Return on assets (ROA) | 0.8205% | 3,355 |
| Pretax return on assets | 1.0396% | 3,433 |
| Return on Equity (ROE) | 8.9770% | 2,500 |
| Retained earnings to average equity (ytd only) | 6.5493% | 1,851 |
| Net charge-offs to loans | -0.0524% | 5,392 |
| Credit loss provision to net charge-offs | -110.8108% | 4,615 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9926% | 3,149 |
| Assets per employee ($millions) | 4.3654% | 3,277 |
| Cash dividends to net income (ytd only)* | 27.0436% | 2,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8442% | 995 |
| Loan loss allowance to noncurrent loans | 1,663.1250% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.6403% | 3,080 |
| Noncurrent loans to loans | 0.1109% | 5,000 |
| Net loans and leases to total assets | 40.0531% | 5,419 |
| Net loans and leases to deposits | 45.5451% | 5,510 |
| Net loans and leases to core deposits | 46.4260% | 5,550 |
| Total domestic deposits to total assets | 87.9415% | 1,464 |
| Equity capital to assets | 9.4802% | 4,787 |
| Core capital (leverage) ratio | 9.0945% | 4,724 |
| Tier 1 risk-based capital ratio | 17.9231% | 1,953 |
| Total risk-based capital ratio | 19.1761% | 1,912 |
| Memoranda: | ||
| Average total assets | $357,838,670 | 1,875 |
| Average earning assets | $338,191,330 | 1,839 |
| Average equity | $32,705,670 | 2,213 |
| Average total loans | $141,187,670 | 2,768 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5031% | 4,882 |
| Cost of funding earning assets | 0.2308% | 4,892 |
| Net interest margin | 3.2723% | 4,325 |
| Noninterest income to average assets | 0.2667% | 4,824 |
| Noninterest expense to average assets | 2.4414% | 4,255 |
| Loan and lease loss provision to assets | 0.0111% | 3,546 |
| Net operating income to assets | 0.7334% | 3,568 |
| Return on assets (ROA) | 0.7334% | 3,674 |
| Pretax return on assets | 0.9023% | 3,835 |
| Return on Equity (ROE) | 8.1740% | 2,815 |
| Retained earnings to average equity (ytd only) | 5.7218% | 2,514 |
| Net charge-offs to loans | -0.1031% | 5,647 |
| Credit loss provision to net charge-offs | -27.7778% | 4,111 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2425% | 2,763 |
| Assets per employee ($millions) | 4.4598% | 3,145 |
| Cash dividends to net income (ytd only)* | 30.0000% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8593% | 1,033 |
| Loan loss allowance to noncurrent loans | 271.0309% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 0.8826% | 2,479 |
| Noncurrent loans to loans | 0.6860% | 3,131 |
| Net loans and leases to total assets | 38.8946% | 5,515 |
| Net loans and leases to deposits | 43.6540% | 5,608 |
| Net loans and leases to core deposits | 44.5412% | 5,641 |
| Total domestic deposits to total assets | 89.0974% | 1,057 |
| Equity capital to assets | 9.1601% | 5,030 |
| Core capital (leverage) ratio | 8.8265% | 5,056 |
| Tier 1 risk-based capital ratio | 18.0245% | 1,979 |
| Total risk-based capital ratio | 19.2782% | 1,943 |
| Memoranda: | ||
| Average total assets | $359,957,500 | 1,864 |
| Average earning assets | $339,698,500 | 1,829 |
| Average equity | $32,297,500 | 2,232 |
| Average total loans | $139,637,000 | 2,793 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5849% | 4,712 |
| Cost of funding earning assets | 0.2139% | 5,151 |
| Net interest margin | 3.3710% | 4,032 |
| Noninterest income to average assets | 0.3444% | 4,452 |
| Noninterest expense to average assets | 2.5304% | 4,129 |
| Loan and lease loss provision to assets | 0.0495% | 3,333 |
| Net operating income to assets | 0.7584% | 3,535 |
| Return on assets (ROA) | 0.7584% | 3,633 |
| Pretax return on assets | 0.9342% | 3,710 |
| Return on Equity (ROE) | 8.3437% | 2,783 |
| Retained earnings to average equity (ytd only) | 5.8006% | 1,894 |
| Net charge-offs to loans | -0.0430% | 5,511 |
| Credit loss provision to net charge-offs | -293.1034% | 5,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4771% | 2,988 |
| Assets per employee ($millions) | 4.5391% | 2,983 |
| Cash dividends to net income (ytd only)* | 30.4798% | 3,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8734% | 1,002 |
| Loan loss allowance to noncurrent loans | 242.5352% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.9415% | 2,316 |
| Noncurrent loans to loans | 0.7724% | 2,861 |
| Net loans and leases to total assets | 37.2572% | 5,655 |
| Net loans and leases to deposits | 42.3068% | 5,701 |
| Net loans and leases to core deposits | 43.2091% | 5,734 |
| Total domestic deposits to total assets | 88.0643% | 1,596 |
| Equity capital to assets | 8.7883% | 5,322 |
| Core capital (leverage) ratio | 8.6994% | 5,217 |
| Tier 1 risk-based capital ratio | 18.0721% | 1,945 |
| Total risk-based capital ratio | 19.3260% | 1,901 |
| Memoranda: | ||
| Average total assets | $343,497,400 | 1,901 |
| Average earning assets | $322,989,400 | 1,876 |
| Average equity | $31,221,000 | 2,237 |
| Average total loans | $134,799,200 | 2,805 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6165% | 4,680 |
| Cost of funding earning assets | 0.2125% | 5,264 |
| Net interest margin | 3.4041% | 3,936 |
| Noninterest income to average assets | 0.3662% | 4,312 |
| Noninterest expense to average assets | 2.6135% | 3,824 |
| Loan and lease loss provision to assets | 0.0630% | 2,923 |
| Net operating income to assets | 0.7320% | 3,754 |
| Return on assets (ROA) | 0.7320% | 3,866 |
| Pretax return on assets | 0.8884% | 4,020 |
| Return on Equity (ROE) | 7.9831% | 3,076 |
| Retained earnings to average equity (ytd only) | 5.4323% | 2,620 |
| Net charge-offs to loans | -0.0557% | 5,579 |
| Credit loss provision to net charge-offs | -285.7143% | 5,256 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7825% | 2,749 |
| Assets per employee ($millions) | 4.3165% | 3,294 |
| Cash dividends to net income (ytd only)* | 31.9527% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9400% | 998 |
| Loan loss allowance to noncurrent loans | 234.1530% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 1.1812% | 2,000 |
| Noncurrent loans to loans | 0.8285% | 2,897 |
| Net loans and leases to total assets | 36.7156% | 5,765 |
| Net loans and leases to deposits | 40.5824% | 5,847 |
| Net loans and leases to core deposits | 41.4517% | 5,869 |
| Total domestic deposits to total assets | 90.4717% | 394 |
| Equity capital to assets | 8.9966% | 5,308 |
| Core capital (leverage) ratio | 8.7900% | 5,243 |
| Tier 1 risk-based capital ratio | 18.3738% | 1,933 |
| Total risk-based capital ratio | 19.6280% | 1,891 |
| Memoranda: | ||
| Average total assets | $338,589,250 | 1,947 |
| Average earning assets | $318,159,500 | 1,914 |
| Average equity | $31,048,000 | 2,264 |
| Average total loans | $134,030,250 | 2,836 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6220% | 4,659 |
| Cost of funding earning assets | 0.2101% | 5,354 |
| Net interest margin | 3.4120% | 3,867 |
| Noninterest income to average assets | 0.3862% | 4,179 |
| Noninterest expense to average assets | 2.6251% | 3,834 |
| Loan and lease loss provision to assets | 0.0810% | 2,489 |
| Net operating income to assets | 0.7251% | 3,763 |
| Return on assets (ROA) | 0.7251% | 3,885 |
| Pretax return on assets | 0.8846% | 4,012 |
| Return on Equity (ROE) | 7.8551% | 3,140 |
| Retained earnings to average equity (ytd only) | 5.2822% | 2,687 |
| Net charge-offs to loans | -0.0238% | 5,227 |
| Credit loss provision to net charge-offs | -843.7500% | 5,324 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5739% | 2,915 |
| Assets per employee ($millions) | 4.1180% | 3,644 |
| Cash dividends to net income (ytd only)* | 32.7543% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8533% | 1,259 |
| Loan loss allowance to noncurrent loans | 149.1667% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 1.4081% | 1,781 |
| Noncurrent loans to loans | 1.2424% | 2,172 |
| Net loans and leases to total assets | 38.8279% | 5,697 |
| Net loans and leases to deposits | 43.0025% | 5,800 |
| Net loans and leases to core deposits | 43.9332% | 5,837 |
| Total domestic deposits to total assets | 90.2922% | 539 |
| Equity capital to assets | 9.1361% | 5,100 |
| Core capital (leverage) ratio | 8.9760% | 5,000 |
| Tier 1 risk-based capital ratio | 18.4093% | 1,946 |
| Total risk-based capital ratio | 19.6635% | 1,912 |
| Memoranda: | ||
| Average total assets | $333,467,000 | 1,994 |
| Average earning assets | $313,193,330 | 1,960 |
| Average equity | $30,782,670 | 2,290 |
| Average total loans | $134,531,000 | 2,838 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6382% | 4,572 |
| Cost of funding earning assets | 0.2086% | 5,430 |
| Net interest margin | 3.4296% | 3,719 |
| Noninterest income to average assets | 0.3705% | 4,243 |
| Noninterest expense to average assets | 2.6966% | 3,603 |
| Loan and lease loss provision to assets | 0.0911% | 2,173 |
| Net operating income to assets | 0.6669% | 3,967 |
| Return on assets (ROA) | 0.6669% | 4,092 |
| Pretax return on assets | 0.7981% | 4,248 |
| Return on Equity (ROE) | 7.1857% | 3,409 |
| Retained earnings to average equity (ytd only) | 4.5942% | 3,273 |
| Net charge-offs to loans | -0.0358% | 5,348 |
| Credit loss provision to net charge-offs | -625.0000% | 4,875 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6612% | 2,707 |
| Assets per employee ($millions) | 3.8461% | 4,255 |
| Cash dividends to net income (ytd only)* | 36.0656% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8131% | 1,474 |
| Loan loss allowance to noncurrent loans | 214.5870% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 1.2958% | 2,050 |
| Noncurrent loans to loans | 0.8449% | 3,134 |
| Net loans and leases to total assets | 39.9815% | 5,599 |
| Net loans and leases to deposits | 44.4927% | 5,737 |
| Net loans and leases to core deposits | 45.3683% | 5,784 |
| Total domestic deposits to total assets | 89.8609% | 807 |
| Equity capital to assets | 9.3150% | 4,945 |
| Core capital (leverage) ratio | 9.0070% | 4,943 |
| Tier 1 risk-based capital ratio | 18.6043% | 1,972 |
| Total risk-based capital ratio | 19.8585% | 1,926 |
| Memoranda: | ||
| Average total assets | $329,301,500 | 2,028 |
| Average earning assets | $308,727,500 | 1,996 |
| Average equity | $30,560,500 | 2,316 |
| Average total loans | $134,187,000 | 2,843 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8487% | 4,326 |
| Cost of funding earning assets | 0.2161% | 5,618 |
| Net interest margin | 3.6326% | 3,282 |
| Noninterest income to average assets | 0.4455% | 3,869 |
| Noninterest expense to average assets | 2.7545% | 3,659 |
| Loan and lease loss provision to assets | 0.1378% | 1,912 |
| Net operating income to assets | 0.7502% | 3,631 |
| Return on assets (ROA) | 0.7502% | 3,728 |
| Pretax return on assets | 0.9341% | 3,765 |
| Return on Equity (ROE) | 8.1366% | 3,054 |
| Retained earnings to average equity (ytd only) | 5.6667% | 2,155 |
| Net charge-offs to loans | -0.0113% | 5,583 |
| Credit loss provision to net charge-offs | -2,933.3333% | 6,018 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4613% | 3,299 |
| Assets per employee ($millions) | 3.9028% | 4,158 |
| Cash dividends to net income (ytd only)* | 30.3549% | 3,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7616% | 1,624 |
| Loan loss allowance to noncurrent loans | 190.5340% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 1.3373% | 2,101 |
| Noncurrent loans to loans | 0.9246% | 3,006 |
| Net loans and leases to total assets | 40.0601% | 5,739 |
| Net loans and leases to deposits | 45.4705% | 5,818 |
| Net loans and leases to core deposits | 46.3492% | 5,876 |
| Total domestic deposits to total assets | 88.1013% | 1,722 |
| Equity capital to assets | 9.2455% | 5,011 |
| Core capital (leverage) ratio | 8.9657% | 5,045 |
| Tier 1 risk-based capital ratio | 18.9879% | 1,849 |
| Total risk-based capital ratio | 20.2424% | 1,811 |
| Memoranda: | ||
| Average total assets | $319,227,200 | 2,038 |
| Average earning assets | $297,115,000 | 2,016 |
| Average equity | $29,435,000 | 2,307 |
| Average total loans | $132,396,000 | 2,823 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8783% | 4,245 |
| Cost of funding earning assets | 0.2158% | 5,711 |
| Net interest margin | 3.6624% | 3,180 |
| Noninterest income to average assets | 0.4302% | 4,022 |
| Noninterest expense to average assets | 2.7812% | 3,537 |
| Loan and lease loss provision to assets | 0.1535% | 1,616 |
| Net operating income to assets | 0.7291% | 3,790 |
| Return on assets (ROA) | 0.7291% | 3,894 |
| Pretax return on assets | 0.8990% | 3,991 |
| Return on Equity (ROE) | 7.9132% | 3,257 |
| Retained earnings to average equity (ytd only) | 5.4306% | 2,803 |
| Net charge-offs to loans | -0.0323% | 5,765 |
| Credit loss provision to net charge-offs | -1,140.6250% | 5,889 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0193% | 3,174 |
| Assets per employee ($millions) | 3.9175% | 4,045 |
| Cash dividends to net income (ytd only)* | 31.3728% | 2,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6785% | 2,040 |
| Loan loss allowance to noncurrent loans | 164.1887% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 1.4874% | 2,064 |
| Noncurrent loans to loans | 1.0223% | 3,028 |
| Net loans and leases to total assets | 41.8843% | 5,683 |
| Net loans and leases to deposits | 46.9771% | 5,822 |
| Net loans and leases to core deposits | 47.8231% | 5,893 |
| Total domestic deposits to total assets | 89.1591% | 1,147 |
| Equity capital to assets | 9.2807% | 5,053 |
| Core capital (leverage) ratio | 9.0695% | 4,968 |
| Tier 1 risk-based capital ratio | 18.6060% | 2,015 |
| Total risk-based capital ratio | 19.8595% | 1,980 |
| Memoranda: | ||
| Average total assets | $317,075,250 | 2,063 |
| Average earning assets | $294,659,000 | 2,046 |
| Average equity | $29,216,250 | 2,335 |
| Average total loans | $132,073,500 | 2,829 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8296% | 4,411 |
| Cost of funding earning assets | 0.2148% | 5,790 |
| Net interest margin | 3.6148% | 3,302 |
| Noninterest income to average assets | 0.4390% | 3,953 |
| Noninterest expense to average assets | 2.7964% | 3,524 |
| Loan and lease loss provision to assets | 0.1711% | 1,438 |
| Net operating income to assets | 0.6918% | 3,888 |
| Return on assets (ROA) | 0.6918% | 3,976 |
| Pretax return on assets | 0.8293% | 4,157 |
| Return on Equity (ROE) | 7.5265% | 3,354 |
| Retained earnings to average equity (ytd only) | 5.0246% | 2,945 |
| Net charge-offs to loans | 0.0261% | 3,672 |
| Credit loss provision to net charge-offs | 1,588.2353% | 233 |
| Earnings coverage of net charge-offs (x) | 92.8824% | 584 |
| Efficiency ratio | 73.1186% | 3,136 |
| Assets per employee ($millions) | 3.7530% | 4,346 |
| Cash dividends to net income (ytd only)* | 33.2418% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6337% | 2,348 |
| Loan loss allowance to noncurrent loans | 168.4664% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 1.6009% | 2,045 |
| Noncurrent loans to loans | 0.9697% | 3,297 |
| Net loans and leases to total assets | 40.6378% | 5,774 |
| Net loans and leases to deposits | 46.1952% | 5,875 |
| Net loans and leases to core deposits | 46.9154% | 5,955 |
| Total domestic deposits to total assets | 87.9698% | 1,915 |
| Equity capital to assets | 9.2494% | 5,038 |
| Core capital (leverage) ratio | 8.9124% | 5,146 |
| Tier 1 risk-based capital ratio | 18.7659% | 1,985 |
| Total risk-based capital ratio | 20.0160% | 1,946 |
| Memoranda: | ||
| Average total assets | $315,688,000 | 2,071 |
| Average earning assets | $293,242,000 | 2,050 |
| Average equity | $29,017,330 | 2,339 |
| Average total loans | $130,483,000 | 2,865 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7888% | 4,532 |
| Cost of funding earning assets | 0.2155% | 5,882 |
| Net interest margin | 3.5733% | 3,374 |
| Noninterest income to average assets | 0.4140% | 4,075 |
| Noninterest expense to average assets | 2.7781% | 3,649 |
| Loan and lease loss provision to assets | 0.1720% | 1,405 |
| Net operating income to assets | 0.6598% | 3,894 |
| Return on assets (ROA) | 0.6598% | 3,990 |
| Pretax return on assets | 0.7795% | 4,183 |
| Return on Equity (ROE) | 7.2012% | 3,351 |
| Retained earnings to average equity (ytd only) | 4.6849% | 3,306 |
| Net charge-offs to loans | -0.0031% | 4,747 |
| Credit loss provision to net charge-offs | -13,500.0000% | 5,658 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9413% | 3,153 |
| Assets per employee ($millions) | 3.8660% | 4,196 |
| Cash dividends to net income (ytd only)* | 34.9421% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5480% | 2,938 |
| Loan loss allowance to noncurrent loans | 123.7690% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 1.5916% | 2,214 |
| Noncurrent loans to loans | 1.2507% | 2,950 |
| Net loans and leases to total assets | 40.3543% | 5,786 |
| Net loans and leases to deposits | 45.5187% | 5,885 |
| Net loans and leases to core deposits | 46.2834% | 5,974 |
| Total domestic deposits to total assets | 88.6543% | 1,862 |
| Equity capital to assets | 9.0181% | 5,102 |
| Core capital (leverage) ratio | 8.9573% | 5,077 |
| Tier 1 risk-based capital ratio | 18.2415% | 2,191 |
| Total risk-based capital ratio | 19.4932% | 2,157 |
| Memoranda: | ||
| Average total assets | $314,029,000 | 2,090 |
| Average earning assets | $291,386,000 | 2,068 |
| Average equity | $28,773,000 | 2,342 |
| Average total loans | $129,829,500 | 2,882 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5596% | 5,511 |
| Cost of funding earning assets | 0.2660% | 5,860 |
| Net interest margin | 3.2936% | 4,691 |
| Noninterest income to average assets | 0.5537% | 3,374 |
| Noninterest expense to average assets | 2.8747% | 3,445 |
| Loan and lease loss provision to assets | 0.1023% | 3,093 |
| Net operating income to assets | 0.5730% | 4,394 |
| Return on assets (ROA) | 0.5836% | 4,452 |
| Pretax return on assets | 0.6701% | 4,634 |
| Return on Equity (ROE) | 6.4554% | 3,850 |
| Retained earnings to average equity (ytd only) | 6.4554% | 1,711 |
| Net charge-offs to loans | 0.4488% | 1,477 |
| Credit loss provision to net charge-offs | 62.1094% | 3,508 |
| Earnings coverage of net charge-offs (x) | 4.6172% | 3,513 |
| Efficiency ratio | 78.5209% | 2,386 |
| Assets per employee ($millions) | 3.4907% | 4,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4828% | 3,269 |
| Loan loss allowance to noncurrent loans | 113.2976% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 1.6798% | 2,196 |
| Noncurrent loans to loans | 1.3088% | 2,953 |
| Net loans and leases to total assets | 41.0948% | 5,888 |
| Net loans and leases to deposits | 46.1458% | 6,000 |
| Net loans and leases to core deposits | 46.9160% | 6,099 |
| Total domestic deposits to total assets | 89.0543% | 1,583 |
| Equity capital to assets | 9.3134% | 4,677 |
| Core capital (leverage) ratio | 8.8983% | 5,143 |
| Tier 1 risk-based capital ratio | 18.6583% | 2,028 |
| Total risk-based capital ratio | 19.9085% | 1,992 |
| Memoranda: | ||
| Average total assets | $310,990,200 | 2,073 |
| Average earning assets | $290,930,000 | 2,036 |
| Average equity | $28,116,000 | 2,372 |
| Average total loans | $114,072,600 | 3,170 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5249% | 5,626 |
| Cost of funding earning assets | 0.2736% | 5,935 |
| Net interest margin | 3.2513% | 4,819 |
| Noninterest income to average assets | 0.4774% | 3,952 |
| Noninterest expense to average assets | 2.9005% | 3,310 |
| Loan and lease loss provision to assets | 0.0932% | 3,213 |
| Net operating income to assets | 0.4937% | 4,823 |
| Return on assets (ROA) | 0.4941% | 4,983 |
| Pretax return on assets | 0.5321% | 5,264 |
| Return on Equity (ROE) | 5.5060% | 4,470 |
| Retained earnings to average equity (ytd only) | 5.5060% | 2,721 |
| Net charge-offs to loans | 0.5921% | 1,060 |
| Credit loss provision to net charge-offs | 44.3992% | 3,627 |
| Earnings coverage of net charge-offs (x) | 2.9776% | 3,847 |
| Efficiency ratio | 81.6925% | 1,868 |
| Assets per employee ($millions) | 3.5794% | 4,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6509% | 2,796 |
| Loan loss allowance to noncurrent loans | 45.7078% | 5,415 |
| Noncurrent assets plus other real estate owned to assets | 1.3917% | 2,868 |
| Noncurrent loans to loans | 3.6119% | 1,037 |
| Net loans and leases to total assets | 35.2412% | 6,313 |
| Net loans and leases to deposits | 39.3433% | 6,405 |
| Net loans and leases to core deposits | 40.0677% | 6,448 |
| Total domestic deposits to total assets | 89.5737% | 1,243 |
| Equity capital to assets | 9.1327% | 5,012 |
| Core capital (leverage) ratio | 8.7817% | 5,436 |
| Tier 1 risk-based capital ratio | 19.5262% | 1,853 |
| Total risk-based capital ratio | 20.7792% | 1,822 |
| Memoranda: | ||
| Average total assets | $311,942,750 | 2,070 |
| Average earning assets | $292,426,500 | 2,031 |
| Average equity | $27,992,750 | 2,407 |
| Average total loans | $110,557,000 | 3,255 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5565% | 5,577 |
| Cost of funding earning assets | 0.2818% | 5,970 |
| Net interest margin | 3.2747% | 4,666 |
| Noninterest income to average assets | 0.5611% | 3,432 |
| Noninterest expense to average assets | 2.9721% | 3,087 |
| Loan and lease loss provision to assets | 0.0862% | 3,359 |
| Net operating income to assets | 0.5254% | 4,689 |
| Return on assets (ROA) | 0.5254% | 4,855 |
| Pretax return on assets | 0.5739% | 5,117 |
| Return on Equity (ROE) | 5.8885% | 4,235 |
| Retained earnings to average equity (ytd only) | 5.8885% | 2,499 |
| Net charge-offs to loans | 0.7050% | 928 |
| Credit loss provision to net charge-offs | 34.6154% | 3,509 |
| Earnings coverage of net charge-offs (x) | 2.6513% | 3,635 |
| Efficiency ratio | 81.2654% | 1,997 |
| Assets per employee ($millions) | 3.4321% | 4,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6306% | 3,044 |
| Loan loss allowance to noncurrent loans | 45.1510% | 5,416 |
| Noncurrent assets plus other real estate owned to assets | 1.4732% | 2,899 |
| Noncurrent loans to loans | 3.6114% | 1,146 |
| Net loans and leases to total assets | 36.3205% | 6,279 |
| Net loans and leases to deposits | 40.6501% | 6,381 |
| Net loans and leases to core deposits | 41.2893% | 6,428 |
| Total domestic deposits to total assets | 89.3491% | 1,411 |
| Equity capital to assets | 9.0546% | 5,164 |
| Core capital (leverage) ratio | 8.5584% | 5,596 |
| Tier 1 risk-based capital ratio | 18.8454% | 2,035 |
| Total risk-based capital ratio | 20.0968% | 1,995 |
| Memoranda: | ||
| Average total assets | $313,314,670 | 2,074 |
| Average earning assets | $293,826,670 | 2,021 |
| Average equity | $27,952,670 | 2,424 |
| Average total loans | $110,641,670 | 3,257 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4750% | 5,773 |
| Cost of funding earning assets | 0.2971% | 5,988 |
| Net interest margin | 3.1779% | 5,006 |
| Noninterest income to average assets | 0.5422% | 3,487 |
| Noninterest expense to average assets | 2.9239% | 3,253 |
| Loan and lease loss provision to assets | 0.0757% | 3,364 |
| Net operating income to assets | 0.4892% | 4,731 |
| Return on assets (ROA) | 0.4892% | 4,882 |
| Pretax return on assets | 0.5233% | 5,193 |
| Return on Equity (ROE) | 5.5231% | 4,301 |
| Retained earnings to average equity (ytd only) | 5.5231% | 2,945 |
| Net charge-offs to loans | 1.0295% | 593 |
| Credit loss provision to net charge-offs | 21.2766% | 3,019 |
| Earnings coverage of net charge-offs (x) | 1.6844% | 3,270 |
| Efficiency ratio | 82.4266% | 1,973 |
| Assets per employee ($millions) | 3.6771% | 4,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6994% | 3,010 |
| Loan loss allowance to noncurrent loans | 42.3529% | 5,500 |
| Noncurrent assets plus other real estate owned to assets | 1.6573% | 2,789 |
| Noncurrent loans to loans | 4.0125% | 1,124 |
| Net loans and leases to total assets | 34.2417% | 6,406 |
| Net loans and leases to deposits | 38.6504% | 6,479 |
| Net loans and leases to core deposits | 39.2410% | 6,512 |
| Total domestic deposits to total assets | 88.5936% | 1,938 |
| Equity capital to assets | 8.9497% | 5,556 |
| Core capital (leverage) ratio | 8.2867% | 5,843 |
| Tier 1 risk-based capital ratio | 18.3383% | 2,249 |
| Total risk-based capital ratio | 19.5761% | 2,214 |
| Memoranda: | ||
| Average total assets | $317,243,000 | 2,061 |
| Average earning assets | $297,556,500 | 2,023 |
| Average equity | $28,100,000 | 2,434 |
| Average total loans | $109,571,000 | 3,295 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7084% | 6,029 |
| Cost of funding earning assets | 0.3473% | 6,232 |
| Net interest margin | 3.3611% | 5,034 |
| Noninterest income to average assets | 0.5047% | 3,867 |
| Noninterest expense to average assets | 2.9615% | 3,421 |
| Loan and lease loss provision to assets | -0.3048% | 7,012 |
| Net operating income to assets | 0.8269% | 3,149 |
| Return on assets (ROA) | 0.8269% | 3,409 |
| Pretax return on assets | 1.0212% | 3,466 |
| Return on Equity (ROE) | 8.4783% | 2,877 |
| Retained earnings to average equity (ytd only) | 4.7061% | 2,908 |
| Net charge-offs to loans | -0.5210% | 7,004 |
| Credit loss provision to net charge-offs | 172.0000% | 1,532 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4742% | 2,088 |
| Assets per employee ($millions) | 3.5759% | 4,841 |
| Cash dividends to net income (ytd only)* | 44.4921% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9213% | 2,227 |
| Loan loss allowance to noncurrent loans | 40.5578% | 5,592 |
| Noncurrent assets plus other real estate owned to assets | 1.8206% | 2,685 |
| Noncurrent loans to loans | 4.7373% | 871 |
| Net loans and leases to total assets | 33.5872% | 6,564 |
| Net loans and leases to deposits | 37.5596% | 6,647 |
| Net loans and leases to core deposits | 38.0895% | 6,669 |
| Total domestic deposits to total assets | 89.4238% | 1,285 |
| Equity capital to assets | 8.7660% | 5,773 |
| Core capital (leverage) ratio | 8.8124% | 5,160 |
| Tier 1 risk-based capital ratio | 18.5925% | 2,074 |
| Total risk-based capital ratio | 19.8445% | 2,037 |
| Memoranda: | ||
| Average total assets | $282,123,600 | 2,251 |
| Average earning assets | $266,341,600 | 2,183 |
| Average equity | $27,517,400 | 2,445 |
| Average total loans | $95,962,200 | 3,618 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8189% | 5,978 |
| Cost of funding earning assets | 0.3594% | 6,333 |
| Net interest margin | 3.4595% | 4,809 |
| Noninterest income to average assets | 0.5200% | 3,803 |
| Noninterest expense to average assets | 2.9567% | 3,383 |
| Loan and lease loss provision to assets | -0.4272% | 7,140 |
| Net operating income to assets | 0.9877% | 2,571 |
| Return on assets (ROA) | 0.9877% | 2,799 |
| Pretax return on assets | 1.2616% | 2,746 |
| Return on Equity (ROE) | 9.8361% | 2,425 |
| Retained earnings to average equity (ytd only) | 8.6789% | 1,354 |
| Net charge-offs to loans | -0.9061% | 7,118 |
| Credit loss provision to net charge-offs | 138.8889% | 2,076 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9910% | 2,404 |
| Assets per employee ($millions) | 3.6181% | 4,723 |
| Cash dividends to net income (ytd only)* | 11.7649% | 3,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3020% | 1,513 |
| Loan loss allowance to noncurrent loans | 44.7891% | 5,408 |
| Noncurrent assets plus other real estate owned to assets | 2.1089% | 2,533 |
| Noncurrent loans to loans | 5.1397% | 870 |
| Net loans and leases to total assets | 34.0940% | 6,650 |
| Net loans and leases to deposits | 39.0851% | 6,714 |
| Net loans and leases to core deposits | 39.6661% | 6,752 |
| Total domestic deposits to total assets | 87.2301% | 2,541 |
| Equity capital to assets | 10.4409% | 3,912 |
| Core capital (leverage) ratio | 9.6959% | 3,961 |
| Tier 1 risk-based capital ratio | 22.3409% | 1,272 |
| Total risk-based capital ratio | 23.5992% | 1,251 |
| Memoranda: | ||
| Average total assets | $273,091,500 | 2,339 |
| Average earning assets | $258,219,250 | 2,271 |
| Average equity | $27,422,250 | 2,466 |
| Average total loans | $92,706,250 | 3,721 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8269% | 6,077 |
| Cost of funding earning assets | 0.3644% | 6,451 |
| Net interest margin | 3.4625% | 4,833 |
| Noninterest income to average assets | 0.3443% | 5,083 |
| Noninterest expense to average assets | 2.9039% | 3,602 |
| Loan and lease loss provision to assets | -0.1505% | 7,133 |
| Net operating income to assets | 0.7208% | 3,750 |
| Return on assets (ROA) | 0.7208% | 4,025 |
| Pretax return on assets | 0.8552% | 4,256 |
| Return on Equity (ROE) | 7.2760% | 3,627 |
| Retained earnings to average equity (ytd only) | 6.0979% | 2,655 |
| Net charge-offs to loans | -1.3185% | 7,186 |
| Credit loss provision to net charge-offs | 33.9404% | 4,380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4719% | 2,107 |
| Assets per employee ($millions) | 3.5345% | 4,907 |
| Cash dividends to net income (ytd only)* | 16.1914% | 3,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0219% | 762 |
| Loan loss allowance to noncurrent loans | 48.2170% | 5,218 |
| Noncurrent assets plus other real estate owned to assets | 3.1011% | 1,762 |
| Noncurrent loans to loans | 6.2673% | 684 |
| Net loans and leases to total assets | 32.7902% | 6,780 |
| Net loans and leases to deposits | 38.6329% | 6,774 |
| Net loans and leases to core deposits | 39.2488% | 6,821 |
| Total domestic deposits to total assets | 84.8763% | 3,911 |
| Equity capital to assets | 9.8365% | 4,564 |
| Core capital (leverage) ratio | 9.3952% | 4,306 |
| Tier 1 risk-based capital ratio | 21.3403% | 1,418 |
| Total risk-based capital ratio | 22.6051% | 1,390 |
| Memoranda: | ||
| Average total assets | $272,463,670 | 2,354 |
| Average earning assets | $256,868,000 | 2,291 |
| Average equity | $26,993,000 | 2,487 |
| Average total loans | $91,622,000 | 3,765 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8774% | 6,077 |
| Cost of funding earning assets | 0.3727% | 6,539 |
| Net interest margin | 3.5047% | 4,671 |
| Noninterest income to average assets | 0.3687% | 4,922 |
| Noninterest expense to average assets | 2.8318% | 3,891 |
| Loan and lease loss provision to assets | 0.1338% | 3,681 |
| Net operating income to assets | 0.6184% | 4,273 |
| Return on assets (ROA) | 0.6184% | 4,480 |
| Pretax return on assets | 0.7016% | 4,783 |
| Return on Equity (ROE) | 6.2190% | 4,178 |
| Retained earnings to average equity (ytd only) | 5.0380% | 3,535 |
| Net charge-offs to loans | -0.9310% | 7,209 |
| Credit loss provision to net charge-offs | -42.8571% | 5,418 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2193% | 2,616 |
| Assets per employee ($millions) | 3.6046% | 4,867 |
| Cash dividends to net income (ytd only)* | 18.9904% | 2,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0221% | 812 |
| Loan loss allowance to noncurrent loans | 47.0046% | 5,255 |
| Noncurrent assets plus other real estate owned to assets | 3.3496% | 1,721 |
| Noncurrent loans to loans | 6.4293% | 745 |
| Net loans and leases to total assets | 32.2604% | 6,820 |
| Net loans and leases to deposits | 37.2761% | 6,847 |
| Net loans and leases to core deposits | 37.8688% | 6,885 |
| Total domestic deposits to total assets | 86.5444% | 3,217 |
| Equity capital to assets | 9.8461% | 4,314 |
| Core capital (leverage) ratio | 9.4824% | 4,076 |
| Tier 1 risk-based capital ratio | 21.3648% | 1,403 |
| Total risk-based capital ratio | 22.6292% | 1,376 |
| Memoranda: | ||
| Average total assets | $269,083,500 | 2,392 |
| Average earning assets | $253,260,000 | 2,340 |
| Average equity | $26,756,500 | 2,495 |
| Average total loans | $90,227,500 | 3,825 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3621% | 5,563 |
| Cost of funding earning assets | 0.5496% | 6,340 |
| Net interest margin | 3.8124% | 3,761 |
| Noninterest income to average assets | 0.4465% | 4,247 |
| Noninterest expense to average assets | 2.9984% | 3,598 |
| Loan and lease loss provision to assets | 0.4430% | 2,381 |
| Net operating income to assets | 0.5344% | 4,291 |
| Return on assets (ROA) | 0.5655% | 4,351 |
| Pretax return on assets | 0.6060% | 4,674 |
| Return on Equity (ROE) | 5.6807% | 4,037 |
| Retained earnings to average equity (ytd only) | 4.8023% | 2,786 |
| Net charge-offs to loans | 1.3772% | 1,191 |
| Credit loss provision to net charge-offs | 87.5190% | 4,125 |
| Earnings coverage of net charge-offs (x) | 2.0061% | 4,276 |
| Efficiency ratio | 74.7001% | 3,105 |
| Assets per employee ($millions) | 3.4766% | 5,078 |
| Cash dividends to net income (ytd only)* | 15.4632% | 3,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7473% | 1,035 |
| Loan loss allowance to noncurrent loans | 42.5082% | 5,455 |
| Noncurrent assets plus other real estate owned to assets | 3.6871% | 1,592 |
| Noncurrent loans to loans | 6.4629% | 729 |
| Net loans and leases to total assets | 32.8782% | 6,918 |
| Net loans and leases to deposits | 37.7447% | 6,954 |
| Net loans and leases to core deposits | 38.3619% | 6,993 |
| Total domestic deposits to total assets | 87.1066% | 2,703 |
| Equity capital to assets | 10.0446% | 4,116 |
| Core capital (leverage) ratio | 9.5104% | 4,012 |
| Tier 1 risk-based capital ratio | 21.3878% | 1,340 |
| Total risk-based capital ratio | 22.6491% | 1,311 |
| Memoranda: | ||
| Average total assets | $259,574,600 | 2,431 |
| Average earning assets | $242,888,600 | 2,370 |
| Average equity | $25,842,000 | 2,496 |
| Average total loans | $95,409,800 | 3,737 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4580% | 5,401 |
| Cost of funding earning assets | 0.5858% | 6,348 |
| Net interest margin | 3.8722% | 3,513 |
| Noninterest income to average assets | 0.4272% | 4,460 |
| Noninterest expense to average assets | 3.0653% | 3,299 |
| Loan and lease loss provision to assets | 0.4386% | 2,282 |
| Net operating income to assets | 0.5119% | 4,495 |
| Return on assets (ROA) | 0.5541% | 4,478 |
| Pretax return on assets | 0.5866% | 4,858 |
| Return on Equity (ROE) | 5.5789% | 4,237 |
| Retained earnings to average equity (ytd only) | 5.5789% | 2,805 |
| Net charge-offs to loans | 1.8088% | 736 |
| Credit loss provision to net charge-offs | 64.6388% | 4,647 |
| Earnings coverage of net charge-offs (x) | 1.4449% | 4,550 |
| Efficiency ratio | 75.7684% | 2,872 |
| Assets per employee ($millions) | 3.4613% | 5,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3924% | 1,542 |
| Loan loss allowance to noncurrent loans | 42.6759% | 5,460 |
| Noncurrent assets plus other real estate owned to assets | 3.4838% | 1,811 |
| Noncurrent loans to loans | 5.6061% | 1,047 |
| Net loans and leases to total assets | 33.8365% | 6,962 |
| Net loans and leases to deposits | 38.4985% | 7,021 |
| Net loans and leases to core deposits | 39.3770% | 7,053 |
| Total domestic deposits to total assets | 87.8905% | 2,097 |
| Equity capital to assets | 10.1615% | 4,141 |
| Core capital (leverage) ratio | 9.5185% | 4,121 |
| Tier 1 risk-based capital ratio | 20.8106% | 1,494 |
| Total risk-based capital ratio | 22.0700% | 1,467 |
| Memoranda: | ||
| Average total assets | $258,413,000 | 2,453 |
| Average earning assets | $241,476,750 | 2,396 |
| Average equity | $25,667,500 | 2,513 |
| Average total loans | $96,931,000 | 3,727 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5118% | 5,318 |
| Cost of funding earning assets | 0.6002% | 6,466 |
| Net interest margin | 3.9116% | 3,254 |
| Noninterest income to average assets | 0.4418% | 4,335 |
| Noninterest expense to average assets | 3.0106% | 3,601 |
| Loan and lease loss provision to assets | 0.4263% | 2,300 |
| Net operating income to assets | 0.5840% | 4,137 |
| Return on assets (ROA) | 0.6434% | 3,958 |
| Pretax return on assets | 0.7294% | 4,275 |
| Return on Equity (ROE) | 6.5276% | 3,688 |
| Retained earnings to average equity (ytd only) | 6.5276% | 2,124 |
| Net charge-offs to loans | 1.7895% | 786 |
| Credit loss provision to net charge-offs | 61.9369% | 4,300 |
| Earnings coverage of net charge-offs (x) | 1.5811% | 4,105 |
| Efficiency ratio | 73.4493% | 3,471 |
| Assets per employee ($millions) | 3.3854% | 5,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3586% | 1,653 |
| Loan loss allowance to noncurrent loans | 34.8464% | 5,990 |
| Noncurrent assets plus other real estate owned to assets | 4.1994% | 1,512 |
| Noncurrent loans to loans | 6.7686% | 791 |
| Net loans and leases to total assets | 36.2083% | 6,950 |
| Net loans and leases to deposits | 40.8864% | 7,036 |
| Net loans and leases to core deposits | 42.0131% | 7,068 |
| Total domestic deposits to total assets | 88.5583% | 1,812 |
| Equity capital to assets | 10.0511% | 4,075 |
| Core capital (leverage) ratio | 9.4929% | 3,969 |
| Tier 1 risk-based capital ratio | 19.6263% | 1,685 |
| Total risk-based capital ratio | 20.8841% | 1,658 |
| Memoranda: | ||
| Average total assets | $258,018,000 | 2,475 |
| Average earning assets | $241,234,000 | 2,414 |
| Average equity | $25,430,330 | 2,518 |
| Average total loans | $99,244,000 | 3,705 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5928% | 4,981 |
| Cost of funding earning assets | 0.6430% | 6,412 |
| Net interest margin | 3.9498% | 2,912 |
| Noninterest income to average assets | 0.3787% | 4,885 |
| Noninterest expense to average assets | 3.0481% | 3,459 |
| Loan and lease loss provision to assets | 0.2337% | 3,312 |
| Net operating income to assets | 0.6857% | 3,579 |
| Return on assets (ROA) | 0.6857% | 3,645 |
| Pretax return on assets | 0.7916% | 3,929 |
| Return on Equity (ROE) | 7.0274% | 3,363 |
| Retained earnings to average equity (ytd only) | 7.0274% | 2,136 |
| Net charge-offs to loans | 1.2732% | 1,086 |
| Credit loss provision to net charge-offs | 46.8750% | 3,818 |
| Earnings coverage of net charge-offs (x) | 2.0563% | 3,268 |
| Efficiency ratio | 74.8279% | 3,358 |
| Assets per employee ($millions) | 3.4918% | 5,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4855% | 1,479 |
| Loan loss allowance to noncurrent loans | 34.3869% | 5,993 |
| Noncurrent assets plus other real estate owned to assets | 4.5214% | 1,436 |
| Noncurrent loans to loans | 7.2281% | 742 |
| Net loans and leases to total assets | 37.1687% | 6,950 |
| Net loans and leases to deposits | 41.8327% | 7,030 |
| Net loans and leases to core deposits | 42.9868% | 7,076 |
| Total domestic deposits to total assets | 88.8508% | 1,870 |
| Equity capital to assets | 9.7839% | 4,053 |
| Core capital (leverage) ratio | 9.4359% | 3,905 |
| Tier 1 risk-based capital ratio | 19.2113% | 1,749 |
| Total risk-based capital ratio | 20.4706% | 1,721 |
| Memoranda: | ||
| Average total assets | $256,688,000 | 2,504 |
| Average earning assets | $240,112,500 | 2,449 |
| Average equity | $25,045,000 | 2,539 |
| Average total loans | $100,532,500 | 3,702 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6603% | 5,920 |
| Cost of funding earning assets | 0.7907% | 6,607 |
| Net interest margin | 3.8696% | 3,639 |
| Noninterest income to average assets | 0.4888% | 4,258 |
| Noninterest expense to average assets | 3.0331% | 3,721 |
| Loan and lease loss provision to assets | 0.4332% | 3,521 |
| Net operating income to assets | 0.5688% | 3,807 |
| Return on assets (ROA) | 0.6298% | 3,696 |
| Pretax return on assets | 0.7428% | 3,823 |
| Return on Equity (ROE) | 6.5187% | 3,335 |
| Retained earnings to average equity (ytd only) | 5.5239% | 2,093 |
| Net charge-offs to loans | 1.2404% | 1,810 |
| Credit loss provision to net charge-offs | 79.5372% | 5,575 |
| Earnings coverage of net charge-offs (x) | 2.0275% | 4,214 |
| Efficiency ratio | 73.3079% | 3,528 |
| Assets per employee ($millions) | 3.3997% | 5,169 |
| Cash dividends to net income (ytd only)* | 15.2595% | 3,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5523% | 1,343 |
| Loan loss allowance to noncurrent loans | 30.5948% | 6,257 |
| Noncurrent assets plus other real estate owned to assets | 5.0392% | 1,263 |
| Noncurrent loans to loans | 8.3422% | 602 |
| Net loans and leases to total assets | 39.2017% | 7,013 |
| Net loans and leases to deposits | 44.5803% | 7,096 |
| Net loans and leases to core deposits | 46.0525% | 7,140 |
| Total domestic deposits to total assets | 87.9352% | 2,288 |
| Equity capital to assets | 9.7297% | 4,082 |
| Core capital (leverage) ratio | 9.0635% | 4,428 |
| Tier 1 risk-based capital ratio | 18.2432% | 1,924 |
| Total risk-based capital ratio | 19.4841% | 1,889 |
| Memoranda: | ||
| Average total assets | $253,900,600 | 2,505 |
| Average earning assets | $239,406,200 | 2,429 |
| Average equity | $24,529,600 | 2,605 |
| Average total loans | $111,492,200 | 3,509 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6665% | 6,136 |
| Cost of funding earning assets | 0.8217% | 6,680 |
| Net interest margin | 3.8447% | 3,777 |
| Noninterest income to average assets | 0.4547% | 4,522 |
| Noninterest expense to average assets | 2.9990% | 3,749 |
| Loan and lease loss provision to assets | 0.2628% | 4,475 |
| Net operating income to assets | 0.6599% | 3,600 |
| Return on assets (ROA) | 0.7365% | 3,414 |
| Pretax return on assets | 0.9189% | 3,499 |
| Return on Equity (ROE) | 7.6368% | 3,049 |
| Retained earnings to average equity (ytd only) | 7.6368% | 1,542 |
| Net charge-offs to loans | 1.0657% | 1,906 |
| Credit loss provision to net charge-offs | 55.0055% | 5,805 |
| Earnings coverage of net charge-offs (x) | 2.2728% | 4,029 |
| Efficiency ratio | 73.4140% | 3,434 |
| Assets per employee ($millions) | 3.3863% | 5,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2782% | 1,654 |
| Loan loss allowance to noncurrent loans | 22.4747% | 6,788 |
| Noncurrent assets plus other real estate owned to assets | 5.1794% | 1,218 |
| Noncurrent loans to loans | 10.1369% | 407 |
| Net loans and leases to total assets | 40.9948% | 7,028 |
| Net loans and leases to deposits | 46.2952% | 7,162 |
| Net loans and leases to core deposits | 47.7717% | 7,215 |
| Total domestic deposits to total assets | 88.5508% | 1,645 |
| Equity capital to assets | 9.7027% | 4,544 |
| Core capital (leverage) ratio | 9.2731% | 4,246 |
| Tier 1 risk-based capital ratio | 17.7197% | 2,104 |
| Total risk-based capital ratio | 18.9777% | 2,067 |
| Memoranda: | ||
| Average total assets | $253,630,500 | 2,549 |
| Average earning assets | $239,490,000 | 2,469 |
| Average equity | $24,459,750 | 2,657 |
| Average total loans | $113,721,500 | 3,508 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7763% | 5,877 |
| Cost of funding earning assets | 0.8703% | 6,694 |
| Net interest margin | 3.9060% | 3,415 |
| Noninterest income to average assets | 0.3582% | 5,281 |
| Noninterest expense to average assets | 3.0025% | 3,702 |
| Loan and lease loss provision to assets | 0.2786% | 4,171 |
| Net operating income to assets | 0.5994% | 3,882 |
| Return on assets (ROA) | 0.7124% | 3,502 |
| Pretax return on assets | 0.9090% | 3,458 |
| Return on Equity (ROE) | 7.4028% | 3,148 |
| Retained earnings to average equity (ytd only) | 7.4028% | 1,675 |
| Net charge-offs to loans | 0.1841% | 4,509 |
| Credit loss provision to net charge-offs | 330.1887% | 1,108 |
| Earnings coverage of net charge-offs (x) | 12.3585% | 1,682 |
| Efficiency ratio | 74.2227% | 3,434 |
| Assets per employee ($millions) | 3.2981% | 5,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7588% | 1,035 |
| Loan loss allowance to noncurrent loans | 24.4995% | 6,707 |
| Noncurrent assets plus other real estate owned to assets | 5.6027% | 1,091 |
| Noncurrent loans to loans | 11.2605% | 345 |
| Net loans and leases to total assets | 43.6521% | 6,952 |
| Net loans and leases to deposits | 48.6535% | 7,129 |
| Net loans and leases to core deposits | 50.2764% | 7,199 |
| Total domestic deposits to total assets | 89.7205% | 1,062 |
| Equity capital to assets | 9.7676% | 4,316 |
| Core capital (leverage) ratio | 9.2690% | 4,177 |
| Tier 1 risk-based capital ratio | 17.4431% | 2,123 |
| Total risk-based capital ratio | 18.7078% | 2,077 |
| Memoranda: | ||
| Average total assets | $251,259,670 | 2,587 |
| Average earning assets | $237,170,670 | 2,515 |
| Average equity | $24,180,000 | 2,675 |
| Average total loans | $115,167,670 | 3,506 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8529% | 5,678 |
| Cost of funding earning assets | 0.8800% | 6,842 |
| Net interest margin | 3.9728% | 2,985 |
| Noninterest income to average assets | 0.3297% | 5,505 |
| Noninterest expense to average assets | 2.9850% | 3,730 |
| Loan and lease loss provision to assets | 0.2401% | 4,123 |
| Net operating income to assets | 0.6458% | 3,686 |
| Return on assets (ROA) | 0.8643% | 2,784 |
| Pretax return on assets | 1.1460% | 2,570 |
| Return on Equity (ROE) | 9.0500% | 2,480 |
| Retained earnings to average equity (ytd only) | 9.0500% | 1,389 |
| Net charge-offs to loans | 0.3110% | 3,174 |
| Credit loss provision to net charge-offs | 166.6667% | 2,176 |
| Earnings coverage of net charge-offs (x) | 7.6000% | 2,064 |
| Efficiency ratio | 73.1659% | 3,732 |
| Assets per employee ($millions) | 3.2828% | 5,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5773% | 1,208 |
| Loan loss allowance to noncurrent loans | 30.2637% | 6,377 |
| Noncurrent assets plus other real estate owned to assets | 4.5220% | 1,494 |
| Noncurrent loans to loans | 8.5163% | 605 |
| Net loans and leases to total assets | 44.8612% | 6,914 |
| Net loans and leases to deposits | 49.9781% | 7,125 |
| Net loans and leases to core deposits | 51.3071% | 7,233 |
| Total domestic deposits to total assets | 89.7616% | 1,107 |
| Equity capital to assets | 9.6925% | 4,237 |
| Core capital (leverage) ratio | 9.1843% | 4,252 |
| Tier 1 risk-based capital ratio | 17.0407% | 2,257 |
| Total risk-based capital ratio | 18.3040% | 2,204 |
| Memoranda: | ||
| Average total assets | $249,914,000 | 2,654 |
| Average earning assets | $235,902,000 | 2,578 |
| Average equity | $23,867,500 | 2,731 |
| Average total loans | $115,751,500 | 3,547 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4684% | 4,339 |
| Cost of funding earning assets | 1.0341% | 7,139 |
| Net interest margin | 4.4343% | 1,335 |
| Noninterest income to average assets | 0.4908% | 4,484 |
| Noninterest expense to average assets | 3.0985% | 3,753 |
| Loan and lease loss provision to assets | 0.4155% | 4,321 |
| Net operating income to assets | 0.8042% | 2,524 |
| Return on assets (ROA) | 0.8053% | 2,601 |
| Pretax return on assets | 1.1654% | 2,052 |
| Return on Equity (ROE) | 8.8903% | 2,062 |
| Retained earnings to average equity (ytd only) | 8.4811% | 590 |
| Net charge-offs to loans | 0.2634% | 4,973 |
| Credit loss provision to net charge-offs | 309.0909% | 1,069 |
| Earnings coverage of net charge-offs (x) | 11.7485% | 1,569 |
| Efficiency ratio | 66.2400% | 5,348 |
| Assets per employee ($millions) | 3.3829% | 5,299 |
| Cash dividends to net income (ytd only)* | 4.6029% | 3,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4876% | 1,246 |
| Loan loss allowance to noncurrent loans | 35.8768% | 6,042 |
| Noncurrent assets plus other real estate owned to assets | 3.6587% | 1,819 |
| Noncurrent loans to loans | 6.9338% | 816 |
| Net loans and leases to total assets | 45.4253% | 7,026 |
| Net loans and leases to deposits | 51.2516% | 7,190 |
| Net loans and leases to core deposits | 56.5023% | 7,388 |
| Total domestic deposits to total assets | 88.6321% | 1,663 |
| Equity capital to assets | 9.4086% | 4,541 |
| Core capital (leverage) ratio | 9.1761% | 4,158 |
| Tier 1 risk-based capital ratio | 16.4401% | 2,345 |
| Total risk-based capital ratio | 17.7020% | 2,284 |
| Memoranda: | ||
| Average total assets | $245,505,600 | 2,654 |
| Average earning assets | $231,806,200 | 2,581 |
| Average equity | $22,237,800 | 2,917 |
| Average total loans | $125,289,000 | 3,369 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5715% | 4,024 |
| Cost of funding earning assets | 1.0917% | 7,195 |
| Net interest margin | 4.4799% | 1,244 |
| Noninterest income to average assets | 0.5016% | 4,466 |
| Noninterest expense to average assets | 3.1747% | 3,382 |
| Loan and lease loss provision to assets | 0.4748% | 3,534 |
| Net operating income to assets | 0.7369% | 3,069 |
| Return on assets (ROA) | 0.7384% | 3,131 |
| Pretax return on assets | 1.0872% | 2,620 |
| Return on Equity (ROE) | 8.2338% | 2,541 |
| Retained earnings to average equity (ytd only) | 7.8140% | 1,192 |
| Net charge-offs to loans | 0.3368% | 3,954 |
| Credit loss provision to net charge-offs | 270.1863% | 1,575 |
| Earnings coverage of net charge-offs (x) | 8.8758% | 2,183 |
| Efficiency ratio | 67.0548% | 5,172 |
| Assets per employee ($millions) | 3.2514% | 5,516 |
| Cash dividends to net income (ytd only)* | 5.0999% | 3,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2915% | 1,307 |
| Loan loss allowance to noncurrent loans | 40.7172% | 5,621 |
| Noncurrent assets plus other real estate owned to assets | 3.2439% | 2,088 |
| Noncurrent loans to loans | 5.6279% | 1,104 |
| Net loans and leases to total assets | 48.8936% | 6,877 |
| Net loans and leases to deposits | 54.4758% | 7,178 |
| Net loans and leases to core deposits | 58.2298% | 7,457 |
| Total domestic deposits to total assets | 89.7530% | 864 |
| Equity capital to assets | 9.6178% | 4,602 |
| Core capital (leverage) ratio | 9.1269% | 4,449 |
| Tier 1 risk-based capital ratio | 15.7342% | 2,724 |
| Total risk-based capital ratio | 16.9946% | 2,655 |
| Memoranda: | ||
| Average total assets | $244,298,000 | 2,684 |
| Average earning assets | $230,834,500 | 2,608 |
| Average equity | $21,909,000 | 2,984 |
| Average total loans | $127,457,000 | 3,349 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6061% | 4,048 |
| Cost of funding earning assets | 1.1526% | 7,234 |
| Net interest margin | 4.4535% | 1,278 |
| Noninterest income to average assets | 0.5735% | 3,881 |
| Noninterest expense to average assets | 3.2330% | 3,223 |
| Loan and lease loss provision to assets | 0.5213% | 2,938 |
| Net operating income to assets | 0.7022% | 3,247 |
| Return on assets (ROA) | 0.6468% | 3,585 |
| Pretax return on assets | 0.9490% | 3,182 |
| Return on Equity (ROE) | 7.3866% | 3,031 |
| Retained earnings to average equity (ytd only) | 6.9587% | 1,599 |
| Net charge-offs to loans | 0.3004% | 3,684 |
| Credit loss provision to net charge-offs | 328.2051% | 1,419 |
| Earnings coverage of net charge-offs (x) | 9.7692% | 2,080 |
| Efficiency ratio | 67.5689% | 5,236 |
| Assets per employee ($millions) | 3.0526% | 5,994 |
| Cash dividends to net income (ytd only)* | 5.7935% | 3,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0715% | 1,438 |
| Loan loss allowance to noncurrent loans | 37.4190% | 5,910 |
| Noncurrent assets plus other real estate owned to assets | 3.2267% | 1,942 |
| Noncurrent loans to loans | 5.5360% | 1,047 |
| Net loans and leases to total assets | 52.7330% | 6,596 |
| Net loans and leases to deposits | 58.5146% | 6,990 |
| Net loans and leases to core deposits | 63.0948% | 7,333 |
| Total domestic deposits to total assets | 90.1195% | 778 |
| Equity capital to assets | 9.2820% | 4,905 |
| Core capital (leverage) ratio | 8.8416% | 4,875 |
| Tier 1 risk-based capital ratio | 14.7291% | 3,132 |
| Total risk-based capital ratio | 15.9876% | 3,064 |
| Memoranda: | ||
| Average total assets | $245,528,670 | 2,691 |
| Average earning assets | $232,176,000 | 2,603 |
| Average equity | $21,498,330 | 3,036 |
| Average total loans | $129,809,330 | 3,341 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6714% | 3,934 |
| Cost of funding earning assets | 1.2014% | 7,295 |
| Net interest margin | 4.4700% | 1,193 |
| Noninterest income to average assets | 0.5713% | 3,744 |
| Noninterest expense to average assets | 3.2627% | 2,759 |
| Loan and lease loss provision to assets | 0.5136% | 2,412 |
| Net operating income to assets | 0.6933% | 3,593 |
| Return on assets (ROA) | 0.6933% | 3,777 |
| Pretax return on assets | 1.0287% | 3,250 |
| Return on Equity (ROE) | 8.1521% | 3,072 |
| Retained earnings to average equity (ytd only) | 7.7369% | 1,910 |
| Net charge-offs to loans | 0.4563% | 2,310 |
| Credit loss provision to net charge-offs | 214.7651% | 2,100 |
| Earnings coverage of net charge-offs (x) | 6.4497% | 2,497 |
| Efficiency ratio | 67.9025% | 4,982 |
| Assets per employee ($millions) | 3.0005% | 6,147 |
| Cash dividends to net income (ytd only)* | 5.0926% | 2,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8650% | 1,701 |
| Loan loss allowance to noncurrent loans | 40.0538% | 5,870 |
| Noncurrent assets plus other real estate owned to assets | 2.6798% | 2,128 |
| Noncurrent loans to loans | 4.6563% | 1,207 |
| Net loans and leases to total assets | 51.5703% | 6,723 |
| Net loans and leases to deposits | 56.9999% | 7,102 |
| Net loans and leases to core deposits | 62.5596% | 7,368 |
| Total domestic deposits to total assets | 90.4744% | 603 |
| Equity capital to assets | 8.8479% | 5,553 |
| Core capital (leverage) ratio | 8.3491% | 5,814 |
| Tier 1 risk-based capital ratio | 14.1579% | 3,496 |
| Total risk-based capital ratio | 15.4115% | 3,423 |
| Memoranda: | ||
| Average total assets | $249,240,500 | 2,654 |
| Average earning assets | $236,060,500 | 2,572 |
| Average equity | $21,197,000 | 3,090 |
| Average total loans | $130,606,000 | 3,347 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5850% | 2,554 |
| Cost of funding earning assets | 1.7243% | 7,205 |
| Net interest margin | 4.8607% | 687 |
| Noninterest income to average assets | 0.5461% | 4,259 |
| Noninterest expense to average assets | 2.7895% | 4,867 |
| Loan and lease loss provision to assets | 0.4799% | 2,900 |
| Net operating income to assets | 1.2339% | 1,671 |
| Return on assets (ROA) | 1.0248% | 2,337 |
| Pretax return on assets | 1.5293% | 1,598 |
| Return on Equity (ROE) | 13.5887% | 1,189 |
| Retained earnings to average equity (ytd only) | 8.9605% | 618 |
| Net charge-offs to loans | 0.5700% | 2,104 |
| Credit loss provision to net charge-offs | 159.0561% | 3,253 |
| Earnings coverage of net charge-offs (x) | 7.6939% | 3,045 |
| Efficiency ratio | 54.5817% | 7,200 |
| Assets per employee ($millions) | 3.1151% | 5,732 |
| Cash dividends to net income (ytd only)* | 34.0593% | 3,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6563% | 2,039 |
| Loan loss allowance to noncurrent loans | 53.0725% | 5,345 |
| Noncurrent assets plus other real estate owned to assets | 1.7797% | 2,753 |
| Noncurrent loans to loans | 3.1208% | 1,701 |
| Net loans and leases to total assets | 51.3945% | 6,903 |
| Net loans and leases to deposits | 56.2990% | 7,300 |
| Net loans and leases to core deposits | 63.0527% | 7,472 |
| Total domestic deposits to total assets | 91.2884% | 251 |
| Equity capital to assets | 8.1780% | 6,581 |
| Core capital (leverage) ratio | 7.6358% | 7,026 |
| Tier 1 risk-based capital ratio | 12.9678% | 4,133 |
| Total risk-based capital ratio | 14.2046% | 4,062 |
| Memoranda: | ||
| Average total assets | $259,863,600 | 2,462 |
| Average earning assets | $244,039,400 | 2,418 |
| Average equity | $19,597,200 | 3,291 |
| Average total loans | $137,542,000 | 3,136 |