Home > River Valley Community Bank > Performance and Condition Ratios
River Valley Community Bank, Performance and Condition Ratios
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4507% | 3,751 |
| Cost of funding earning assets | 1.2903% | 3,575 |
| Net interest margin | 3.1604% | 2,645 |
| Noninterest income to average assets | 0.1600% | 3,893 |
| Noninterest expense to average assets | 2.0954% | 3,328 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.7493% | 2,688 |
| Return on assets (ROA) | 0.7407% | 2,732 |
| Pretax return on assets | 0.9965% | 2,383 |
| Return on Equity (ROE) | 9.5900% | 2,241 |
| Retained earnings to average equity (ytd only) | 9.5914% | 1,188 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 67.5339% | 2,426 |
| Assets per employee ($millions) | 9.8056% | 774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4471% | 1,229 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 48.5100% | 3,683 |
| Net loans and leases to deposits | 57.0477% | 3,676 |
| Net loans and leases to core deposits | 59.2019% | 3,800 |
| Total domestic deposits to total assets | 85.0300% | 2,395 |
| Equity capital to assets | 7.6906% | 3,563 |
| Core capital (leverage) ratio | 10.0400% | 2,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0263% | 1,269 |
| Memoranda: | ||
| Average total assets | $589,673,000 | 1,547 |
| Average earning assets | $549,933,000 | 1,541 |
| Average equity | $45,541,000 | 1,789 |
| Average total loans | $294,550,000 | 1,864 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3406% | 3,213 |
| Cost of funding earning assets | 0.8771% | 3,328 |
| Net interest margin | 3.4635% | 2,304 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 1.8379% | 3,907 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.0807% | 2,115 |
| Return on assets (ROA) | 1.0793% | 2,106 |
| Pretax return on assets | 1.4711% | 1,628 |
| Return on Equity (ROE) | 16.6900% | 1,134 |
| Retained earnings to average equity (ytd only) | 16.6920% | 410 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 53.9636% | 3,590 |
| Assets per employee ($millions) | 9.4824% | 789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4515% | 1,247 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 47.5800% | 3,760 |
| Net loans and leases to deposits | 51.4384% | 3,888 |
| Net loans and leases to core deposits | 53.2911% | 3,957 |
| Total domestic deposits to total assets | 92.5000% | 373 |
| Equity capital to assets | 6.6090% | 3,792 |
| Core capital (leverage) ratio | 9.3405% | 3,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8430% | 1,363 |
| Memoranda: | ||
| Average total assets | $595,088,250 | 1,493 |
| Average earning assets | $556,958,500 | 1,474 |
| Average equity | $38,476,500 | 1,920 |
| Average total loans | $271,703,250 | 1,908 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2380% | 3,213 |
| Cost of funding earning assets | 0.6872% | 3,521 |
| Net interest margin | 3.5508% | 2,151 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 1.7915% | 4,013 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.1645% | 1,936 |
| Return on assets (ROA) | 1.1632% | 1,933 |
| Pretax return on assets | 1.5893% | 1,430 |
| Return on Equity (ROE) | 18.1200% | 938 |
| Retained earnings to average equity (ytd only) | 18.1224% | 334 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 51.3677% | 3,821 |
| Assets per employee ($millions) | 9.9924% | 674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4510% | 1,348 |
| Loan loss allowance to noncurrent loans | 13,827.5862% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 3,823 |
| Noncurrent loans to loans | 0.0105% | 3,707 |
| Net loans and leases to total assets | 46.9900% | 3,743 |
| Net loans and leases to deposits | 50.9018% | 3,884 |
| Net loans and leases to core deposits | 52.6001% | 3,934 |
| Total domestic deposits to total assets | 92.3200% | 359 |
| Equity capital to assets | 6.8813% | 3,856 |
| Core capital (leverage) ratio | 9.6323% | 3,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5008% | 1,427 |
| Memoranda: | ||
| Average total assets | $597,482,000 | 1,480 |
| Average earning assets | $560,500,667 | 1,460 |
| Average equity | $38,350,333 | 1,927 |
| Average total loans | $267,655,000 | 1,919 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1889% | 3,068 |
| Cost of funding earning assets | 0.5278% | 3,602 |
| Net interest margin | 3.6611% | 1,995 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 1.7914% | 4,045 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3207% | 1,621 |
| Return on assets (ROA) | 1.3165% | 1,601 |
| Pretax return on assets | 1.7967% | 1,074 |
| Return on Equity (ROE) | 21.2400% | 641 |
| Retained earnings to average equity (ytd only) | 21.2425% | 311 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 49.8532% | 3,953 |
| Assets per employee ($millions) | 10.6002% | 581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4287% | 1,506 |
| Loan loss allowance to noncurrent loans | 12,820.0000% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.0051% | 3,848 |
| Noncurrent loans to loans | 0.0111% | 3,741 |
| Net loans and leases to total assets | 45.5100% | 3,798 |
| Net loans and leases to deposits | 49.1721% | 3,924 |
| Net loans and leases to core deposits | 50.5407% | 3,972 |
| Total domestic deposits to total assets | 92.5600% | 386 |
| Equity capital to assets | 6.8014% | 3,911 |
| Core capital (leverage) ratio | 8.8783% | 3,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5358% | 1,482 |
| Memoranda: | ||
| Average total assets | $606,444,000 | 1,484 |
| Average earning assets | $569,886,000 | 1,465 |
| Average equity | $37,585,000 | 1,976 |
| Average total loans | $263,297,500 | 1,961 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4031% | 3,340 |
| Cost of funding earning assets | 0.1819% | 3,894 |
| Net interest margin | 3.2212% | 2,802 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 1.5687% | 4,346 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1730% | 1,881 |
| Return on assets (ROA) | 1.1730% | 1,818 |
| Pretax return on assets | 1.6111% | 1,144 |
| Return on Equity (ROE) | 18.2300% | 669 |
| Retained earnings to average equity (ytd only) | 18.2303% | 131 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 49.3337% | 4,169 |
| Assets per employee ($millions) | 11.6644% | 433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3648% | 1,627 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 40.3100% | 4,056 |
| Net loans and leases to deposits | 42.8824% | 4,151 |
| Net loans and leases to core deposits | 43.3363% | 4,198 |
| Total domestic deposits to total assets | 94.0000% | 243 |
| Equity capital to assets | 5.6387% | 4,197 |
| Core capital (leverage) ratio | 8.2386% | 4,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0283% | 1,625 |
| Memoranda: | ||
| Average total assets | $606,491,400 | 1,462 |
| Average earning assets | $571,154,200 | 1,448 |
| Average equity | $39,023,000 | 1,953 |
| Average total loans | $252,878,600 | 1,919 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1699% | 3,504 |
| Cost of funding earning assets | 0.1167% | 4,146 |
| Net interest margin | 3.0532% | 3,068 |
| Noninterest income to average assets | 0.1400% | 4,301 |
| Noninterest expense to average assets | 1.5911% | 4,310 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0397% | 2,324 |
| Return on assets (ROA) | 1.0397% | 2,290 |
| Pretax return on assets | 1.4231% | 1,650 |
| Return on Equity (ROE) | 15.6500% | 1,051 |
| Retained earnings to average equity (ytd only) | 15.6523% | 304 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 52.7874% | 3,943 |
| Assets per employee ($millions) | 12.1852% | 361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3796% | 1,672 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 38.8900% | 4,107 |
| Net loans and leases to deposits | 41.1248% | 4,206 |
| Net loans and leases to core deposits | 41.5962% | 4,233 |
| Total domestic deposits to total assets | 94.5500% | 277 |
| Equity capital to assets | 5.0905% | 4,268 |
| Core capital (leverage) ratio | 8.1599% | 4,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2601% | 1,953 |
| Memoranda: | ||
| Average total assets | $600,645,250 | 1,490 |
| Average earning assets | $565,772,250 | 1,470 |
| Average equity | $39,899,500 | 1,948 |
| Average total loans | $251,747,500 | 1,931 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0415% | 3,450 |
| Cost of funding earning assets | 0.0989% | 4,200 |
| Net interest margin | 2.9426% | 3,055 |
| Noninterest income to average assets | 0.1370% | 4,328 |
| Noninterest expense to average assets | 1.6257% | 4,272 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9344% | 2,426 |
| Return on assets (ROA) | 0.9344% | 2,404 |
| Pretax return on assets | 1.2855% | 1,794 |
| Return on Equity (ROE) | 12.9542% | 1,389 |
| Retained earnings to average equity (ytd only) | 12.9542% | 472 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8423% | 3,791 |
| Assets per employee ($millions) | 10.5757% | 557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3813% | 1,831 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 43.1199% | 3,897 |
| Net loans and leases to deposits | 46.2231% | 4,015 |
| Net loans and leases to core deposits | 46.8163% | 4,090 |
| Total domestic deposits to total assets | 93.2865% | 442 |
| Equity capital to assets | 6.2794% | 4,104 |
| Core capital (leverage) ratio | 8.2337% | 4,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7277% | 2,192 |
| Memoranda: | ||
| Average total assets | $585,589,000 | 1,532 |
| Average earning assets | $552,087,667 | 1,514 |
| Average equity | $42,241,000 | 1,924 |
| Average total loans | $250,784,000 | 1,943 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9458% | 3,414 |
| Cost of funding earning assets | 0.1009% | 4,122 |
| Net interest margin | 2.8449% | 2,998 |
| Noninterest income to average assets | 0.1362% | 4,335 |
| Noninterest expense to average assets | 1.6516% | 4,210 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8449% | 2,503 |
| Return on assets (ROA) | 0.8449% | 2,494 |
| Pretax return on assets | 1.1723% | 1,912 |
| Return on Equity (ROE) | 11.0069% | 1,621 |
| Retained earnings to average equity (ytd only) | 11.0069% | 788 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4860% | 3,634 |
| Assets per employee ($millions) | 11.0471% | 502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4165% | 1,846 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 42.5599% | 3,844 |
| Net loans and leases to deposits | 46.0825% | 3,968 |
| Net loans and leases to core deposits | 46.9836% | 4,028 |
| Total domestic deposits to total assets | 92.3560% | 449 |
| Equity capital to assets | 7.2187% | 4,093 |
| Core capital (leverage) ratio | 7.8493% | 4,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8619% | 2,275 |
| Memoranda: | ||
| Average total assets | $587,551,500 | 1,538 |
| Average earning assets | $555,102,000 | 1,518 |
| Average equity | $45,099,000 | 1,887 |
| Average total loans | $249,013,000 | 1,942 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2980% | 3,222 |
| Cost of funding earning assets | 0.1232% | 4,197 |
| Net interest margin | 3.1749% | 2,668 |
| Noninterest income to average assets | 0.1450% | 4,429 |
| Noninterest expense to average assets | 1.7005% | 4,296 |
| Loan and lease loss provision to assets | 0.0287% | 2,484 |
| Net operating income to assets | 1.0422% | 2,513 |
| Return on assets (ROA) | 1.0566% | 2,527 |
| Pretax return on assets | 1.4523% | 1,872 |
| Return on Equity (ROE) | 11.7924% | 1,883 |
| Retained earnings to average equity (ytd only) | 11.7924% | 565 |
| Net charge-offs to loans | 0.0426% | 1,424 |
| Credit loss provision to net charge-offs | 139.8148% | 1,534 |
| Earnings coverage of net charge-offs (x) | 71.3611% | 1,060 |
| Efficiency ratio | 53.7589% | 3,957 |
| Assets per employee ($millions) | 10.9210% | 523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4050% | 1,900 |
| Loan loss allowance to noncurrent loans | 1,561.3333% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.0375% | 3,757 |
| Noncurrent loans to loans | 0.0900% | 3,478 |
| Net loans and leases to total assets | 41.0411% | 4,029 |
| Net loans and leases to deposits | 44.9417% | 4,142 |
| Net loans and leases to core deposits | 45.8790% | 4,190 |
| Total domestic deposits to total assets | 91.3208% | 379 |
| Equity capital to assets | 8.1128% | 4,297 |
| Core capital (leverage) ratio | 8.1311% | 4,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6028% | 2,408 |
| Memoranda: | ||
| Average total assets | $526,902,600 | 1,633 |
| Average earning assets | $500,904,800 | 1,604 |
| Average equity | $47,208,400 | 1,853 |
| Average total loans | $253,295,800 | 1,912 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3741% | 3,183 |
| Cost of funding earning assets | 0.1297% | 4,266 |
| Net interest margin | 3.2444% | 2,599 |
| Noninterest income to average assets | 0.1374% | 4,511 |
| Noninterest expense to average assets | 1.7616% | 4,237 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0578% | 2,704 |
| Return on assets (ROA) | 1.0764% | 2,694 |
| Pretax return on assets | 1.4831% | 2,040 |
| Return on Equity (ROE) | 11.6879% | 2,148 |
| Retained earnings to average equity (ytd only) | 11.6879% | 901 |
| Net charge-offs to loans | 0.0567% | 1,078 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 51.5370% | 1,229 |
| Efficiency ratio | 54.6890% | 3,704 |
| Assets per employee ($millions) | 9.7696% | 688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3847% | 2,082 |
| Loan loss allowance to noncurrent loans | 1,481.0573% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.0430% | 3,866 |
| Noncurrent loans to loans | 0.0935% | 3,610 |
| Net loans and leases to total assets | 45.3851% | 3,839 |
| Net loans and leases to deposits | 50.3261% | 3,997 |
| Net loans and leases to core deposits | 51.5384% | 4,058 |
| Total domestic deposits to total assets | 90.1821% | 691 |
| Equity capital to assets | 9.1298% | 3,721 |
| Core capital (leverage) ratio | 8.4110% | 4,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0687% | 2,335 |
| Memoranda: | ||
| Average total assets | $508,464,750 | 1,696 |
| Average earning assets | $483,283,000 | 1,666 |
| Average equity | $46,828,000 | 1,883 |
| Average total loans | $254,112,750 | 1,936 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3770% | 3,239 |
| Cost of funding earning assets | 0.1328% | 4,330 |
| Net interest margin | 3.2441% | 2,623 |
| Noninterest income to average assets | 0.1438% | 4,480 |
| Noninterest expense to average assets | 1.7941% | 4,198 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0360% | 2,768 |
| Return on assets (ROA) | 1.0643% | 2,741 |
| Pretax return on assets | 1.4694% | 2,112 |
| Return on Equity (ROE) | 11.5216% | 2,223 |
| Retained earnings to average equity (ytd only) | 11.5216% | 1,008 |
| Net charge-offs to loans | 0.0838% | 843 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 33.3241% | 1,256 |
| Efficiency ratio | 55.5844% | 3,590 |
| Assets per employee ($millions) | 8.8268% | 910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3061% | 2,404 |
| Loan loss allowance to noncurrent loans | 1,461.7391% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.0457% | 3,946 |
| Noncurrent loans to loans | 0.0894% | 3,734 |
| Net loans and leases to total assets | 50.4943% | 3,503 |
| Net loans and leases to deposits | 56.2741% | 3,690 |
| Net loans and leases to core deposits | 57.7031% | 3,781 |
| Total domestic deposits to total assets | 89.7292% | 907 |
| Equity capital to assets | 9.4829% | 3,347 |
| Core capital (leverage) ratio | 8.4211% | 4,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2379% | 2,273 |
| Memoranda: | ||
| Average total assets | $502,101,000 | 1,708 |
| Average earning assets | $477,290,333 | 1,679 |
| Average equity | $46,382,333 | 1,886 |
| Average total loans | $257,885,667 | 1,924 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3418% | 3,362 |
| Cost of funding earning assets | 0.1341% | 4,424 |
| Net interest margin | 3.2077% | 2,671 |
| Noninterest income to average assets | 0.1483% | 4,458 |
| Noninterest expense to average assets | 1.8334% | 4,143 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9864% | 2,850 |
| Return on assets (ROA) | 1.0431% | 2,744 |
| Pretax return on assets | 1.4394% | 2,169 |
| Return on Equity (ROE) | 11.4441% | 2,203 |
| Retained earnings to average equity (ytd only) | 11.4441% | 1,283 |
| Net charge-offs to loans | 0.1674% | 483 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 15.8796% | 1,332 |
| Efficiency ratio | 57.2745% | 3,396 |
| Assets per employee ($millions) | 9.2127% | 772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3006% | 2,434 |
| Loan loss allowance to noncurrent loans | 1,436.7521% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.0462% | 4,043 |
| Noncurrent loans to loans | 0.0905% | 3,849 |
| Net loans and leases to total assets | 50.3540% | 3,589 |
| Net loans and leases to deposits | 55.6500% | 3,822 |
| Net loans and leases to core deposits | 57.1854% | 3,895 |
| Total domestic deposits to total assets | 90.4833% | 589 |
| Equity capital to assets | 8.8862% | 3,800 |
| Core capital (leverage) ratio | 8.2038% | 4,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0428% | 1,884 |
| Memoranda: | ||
| Average total assets | $501,588,500 | 1,688 |
| Average earning assets | $477,351,000 | 1,654 |
| Average equity | $45,718,000 | 1,896 |
| Average total loans | $258,122,500 | 1,921 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4097% | 4,179 |
| Cost of funding earning assets | 0.3796% | 3,710 |
| Net interest margin | 3.0301% | 3,822 |
| Noninterest income to average assets | 0.1622% | 4,484 |
| Noninterest expense to average assets | 2.1282% | 3,876 |
| Loan and lease loss provision to assets | 0.2038% | 1,927 |
| Net operating income to assets | 0.4982% | 4,033 |
| Return on assets (ROA) | 0.8949% | 2,857 |
| Pretax return on assets | 1.2198% | 2,261 |
| Return on Equity (ROE) | 10.4012% | 1,844 |
| Retained earnings to average equity (ytd only) | 10.4012% | 512 |
| Net charge-offs to loans | 0.0319% | 2,393 |
| Credit loss provision to net charge-offs | 1,315.7895% | 632 |
| Earnings coverage of net charge-offs (x) | 59.4868% | 1,075 |
| Efficiency ratio | 69.7855% | 1,976 |
| Assets per employee ($millions) | 8.8657% | 774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3463% | 2,206 |
| Loan loss allowance to noncurrent loans | 1,476.5957% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.0473% | 4,104 |
| Noncurrent loans to loans | 0.0912% | 3,925 |
| Net loans and leases to total assets | 51.2148% | 3,733 |
| Net loans and leases to deposits | 57.0718% | 3,940 |
| Net loans and leases to core deposits | 58.6969% | 4,013 |
| Total domestic deposits to total assets | 89.7374% | 663 |
| Equity capital to assets | 9.3478% | 3,742 |
| Core capital (leverage) ratio | 8.0130% | 4,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5010% | 2,053 |
| Memoranda: | ||
| Average total assets | $490,646,800 | 1,581 |
| Average earning assets | $467,545,600 | 1,544 |
| Average equity | $42,216,200 | 1,937 |
| Average total loans | $237,933,800 | 1,980 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3892% | 4,359 |
| Cost of funding earning assets | 0.4420% | 3,573 |
| Net interest margin | 2.9472% | 4,092 |
| Noninterest income to average assets | 0.1649% | 4,476 |
| Noninterest expense to average assets | 1.9095% | 4,315 |
| Loan and lease loss provision to assets | 0.2725% | 1,484 |
| Net operating income to assets | 0.5680% | 3,859 |
| Return on assets (ROA) | 0.7915% | 3,239 |
| Pretax return on assets | 1.0755% | 2,826 |
| Return on Equity (ROE) | 9.4052% | 2,244 |
| Retained earnings to average equity (ytd only) | 9.4052% | 880 |
| Net charge-offs to loans | 0.0160% | 2,559 |
| Credit loss provision to net charge-offs | 3,571.4286% | 296 |
| Earnings coverage of net charge-offs (x) | 139.5714% | 636 |
| Efficiency ratio | 64.1928% | 2,705 |
| Assets per employee ($millions) | 10.4121% | 441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3345% | 2,022 |
| Loan loss allowance to noncurrent loans | 1,238.7324% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.0535% | 4,174 |
| Noncurrent loans to loans | 0.1077% | 3,934 |
| Net loans and leases to total assets | 48.9819% | 4,157 |
| Net loans and leases to deposits | 64.8405% | 3,721 |
| Net loans and leases to core deposits | 67.8675% | 3,762 |
| Total domestic deposits to total assets | 75.5421% | 4,462 |
| Equity capital to assets | 8.5340% | 4,441 |
| Core capital (leverage) ratio | 7.3605% | 4,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8463% | 2,267 |
| Memoranda: | ||
| Average total assets | $489,188,500 | 1,562 |
| Average earning assets | $466,369,500 | 1,523 |
| Average equity | $41,167,750 | 1,964 |
| Average total loans | $232,982,000 | 2,015 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5002% | 4,407 |
| Cost of funding earning assets | 0.5214% | 3,410 |
| Net interest margin | 2.9789% | 4,173 |
| Noninterest income to average assets | 0.1191% | 4,704 |
| Noninterest expense to average assets | 2.1008% | 4,029 |
| Loan and lease loss provision to assets | 0.4208% | 939 |
| Net operating income to assets | 0.2996% | 4,423 |
| Return on assets (ROA) | 0.6447% | 3,687 |
| Pretax return on assets | 0.8716% | 3,396 |
| Return on Equity (ROE) | 7.7015% | 2,862 |
| Retained earnings to average equity (ytd only) | 7.7015% | 1,401 |
| Net charge-offs to loans | 0.0251% | 2,217 |
| Credit loss provision to net charge-offs | 3,571.4286% | 307 |
| Earnings coverage of net charge-offs (x) | 72.6071% | 863 |
| Efficiency ratio | 71.0605% | 1,817 |
| Assets per employee ($millions) | 9.8984% | 510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3556% | 1,744 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 49.7367% | 4,174 |
| Net loans and leases to deposits | 66.0691% | 3,717 |
| Net loans and leases to core deposits | 69.3857% | 3,749 |
| Total domestic deposits to total assets | 75.2799% | 4,494 |
| Equity capital to assets | 8.3626% | 4,557 |
| Core capital (leverage) ratio | 7.3451% | 4,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5638% | 2,372 |
| Memoranda: | ||
| Average total assets | $475,245,000 | 1,568 |
| Average earning assets | $452,657,333 | 1,534 |
| Average equity | $39,784,667 | 2,009 |
| Average total loans | $222,769,000 | 2,061 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6709% | 4,441 |
| Cost of funding earning assets | 0.6766% | 3,028 |
| Net interest margin | 2.9943% | 4,288 |
| Noninterest income to average assets | 0.1335% | 4,704 |
| Noninterest expense to average assets | 2.6660% | 2,798 |
| Loan and lease loss provision to assets | 0.2195% | 1,409 |
| Net operating income to assets | 0.0132% | 4,740 |
| Return on assets (ROA) | 0.7332% | 3,240 |
| Pretax return on assets | 1.0081% | 2,819 |
| Return on Equity (ROE) | 8.7538% | 2,210 |
| Retained earnings to average equity (ytd only) | 8.7538% | 1,035 |
| Net charge-offs to loans | 0.0548% | 1,461 |
| Credit loss provision to net charge-offs | 892.8571% | 625 |
| Earnings coverage of net charge-offs (x) | 12.8571% | 1,676 |
| Efficiency ratio | 89.3993% | 517 |
| Assets per employee ($millions) | 8.6801% | 593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3455% | 1,934 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 43.3004% | 4,534 |
| Net loans and leases to deposits | 59.2941% | 4,230 |
| Net loans and leases to core deposits | 63.4030% | 4,204 |
| Total domestic deposits to total assets | 73.0266% | 4,723 |
| Equity capital to assets | 8.3068% | 4,895 |
| Core capital (leverage) ratio | 7.9234% | 4,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7847% | 2,810 |
| Memoranda: | ||
| Average total assets | $455,508,500 | 1,588 |
| Average earning assets | $433,352,000 | 1,541 |
| Average equity | $38,155,000 | 2,061 |
| Average total loans | $204,392,500 | 2,152 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0979% | 4,044 |
| Cost of funding earning assets | 0.8438% | 2,463 |
| Net interest margin | 3.2541% | 4,075 |
| Noninterest income to average assets | 0.1492% | 4,746 |
| Noninterest expense to average assets | 1.7959% | 4,776 |
| Loan and lease loss provision to assets | 0.0951% | 2,132 |
| Net operating income to assets | 0.9467% | 3,025 |
| Return on assets (ROA) | 1.0820% | 2,611 |
| Pretax return on assets | 1.4810% | 1,866 |
| Return on Equity (ROE) | 12.6114% | 1,296 |
| Retained earnings to average equity (ytd only) | 10.3085% | 439 |
| Net charge-offs to loans | -0.0118% | 4,511 |
| Credit loss provision to net charge-offs | -1,750.0000% | 4,592 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1068% | 4,187 |
| Assets per employee ($millions) | 8.3451% | 630 |
| Cash dividends to net income (ytd only)* | 18.2607% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2538% | 2,153 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 45.3345% | 4,544 |
| Net loans and leases to deposits | 59.4045% | 4,313 |
| Net loans and leases to core deposits | 67.9454% | 4,086 |
| Total domestic deposits to total assets | 76.3150% | 4,567 |
| Equity capital to assets | 8.4501% | 4,928 |
| Core capital (leverage) ratio | 8.2000% | 4,974 |
| Tier 1 risk-based capital ratio | 11.6127% | 4,566 |
| Total risk-based capital ratio | 12.5070% | 4,643 |
| Memoranda: | ||
| Average total assets | $404,915,800 | 1,724 |
| Average earning assets | $379,732,200 | 1,710 |
| Average equity | $34,738,400 | 2,157 |
| Average total loans | $186,700,800 | 2,258 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1617% | 4,011 |
| Cost of funding earning assets | 0.8536% | 2,451 |
| Net interest margin | 3.3081% | 4,077 |
| Noninterest income to average assets | 0.1473% | 4,810 |
| Noninterest expense to average assets | 1.8086% | 4,807 |
| Loan and lease loss provision to assets | 0.0944% | 2,024 |
| Net operating income to assets | 0.9647% | 3,102 |
| Return on assets (ROA) | 1.1298% | 2,549 |
| Pretax return on assets | 1.5424% | 1,832 |
| Return on Equity (ROE) | 13.1141% | 1,234 |
| Retained earnings to average equity (ytd only) | 11.1579% | 493 |
| Net charge-offs to loans | -0.0044% | 4,172 |
| Credit loss provision to net charge-offs | -4,666.6667% | 4,631 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8842% | 4,176 |
| Assets per employee ($millions) | 8.0627% | 675 |
| Cash dividends to net income (ytd only)* | 14.9165% | 3,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2441% | 2,266 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 45.9128% | 4,601 |
| Net loans and leases to deposits | 61.2298% | 4,331 |
| Net loans and leases to core deposits | 70.3232% | 4,044 |
| Total domestic deposits to total assets | 74.9844% | 4,751 |
| Equity capital to assets | 8.9932% | 4,782 |
| Core capital (leverage) ratio | 8.4584% | 4,962 |
| Tier 1 risk-based capital ratio | 11.5295% | 4,656 |
| Total risk-based capital ratio | 12.4008% | 4,728 |
| Memoranda: | ||
| Average total assets | $395,571,750 | 1,767 |
| Average earning assets | $369,387,250 | 1,765 |
| Average equity | $34,079,500 | 2,201 |
| Average total loans | $182,611,750 | 2,313 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1833% | 3,966 |
| Cost of funding earning assets | 0.8279% | 2,511 |
| Net interest margin | 3.3554% | 4,017 |
| Noninterest income to average assets | 0.1439% | 4,846 |
| Noninterest expense to average assets | 1.8454% | 4,818 |
| Loan and lease loss provision to assets | 0.0929% | 1,994 |
| Net operating income to assets | 0.9561% | 3,077 |
| Return on assets (ROA) | 1.2108% | 2,171 |
| Pretax return on assets | 1.6478% | 1,402 |
| Return on Equity (ROE) | 14.2801% | 922 |
| Retained earnings to average equity (ytd only) | 12.4547% | 356 |
| Net charge-offs to loans | -0.0034% | 4,048 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,500 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5444% | 4,186 |
| Assets per employee ($millions) | 9.3656% | 411 |
| Cash dividends to net income (ytd only)* | 12.7823% | 3,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2435% | 2,288 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 45.7916% | 4,648 |
| Net loans and leases to deposits | 67.7182% | 3,987 |
| Net loans and leases to core deposits | 71.7666% | 4,022 |
| Total domestic deposits to total assets | 67.6208% | 5,116 |
| Equity capital to assets | 8.8612% | 4,870 |
| Core capital (leverage) ratio | 8.4369% | 4,988 |
| Tier 1 risk-based capital ratio | 11.2880% | 4,793 |
| Total risk-based capital ratio | 12.1268% | 4,879 |
| Memoranda: | ||
| Average total assets | $387,675,000 | 1,800 |
| Average earning assets | $360,429,000 | 1,799 |
| Average equity | $32,871,000 | 2,255 |
| Average total loans | $178,509,000 | 2,360 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0955% | 4,134 |
| Cost of funding earning assets | 0.7752% | 2,664 |
| Net interest margin | 3.3203% | 4,113 |
| Noninterest income to average assets | 0.1389% | 4,901 |
| Noninterest expense to average assets | 1.8929% | 4,809 |
| Loan and lease loss provision to assets | 0.1315% | 1,325 |
| Net operating income to assets | 0.9095% | 3,200 |
| Return on assets (ROA) | 0.9901% | 2,919 |
| Pretax return on assets | 1.3395% | 2,290 |
| Return on Equity (ROE) | 11.9631% | 1,543 |
| Retained earnings to average equity (ytd only) | 11.9631% | 619 |
| Net charge-offs to loans | -0.0023% | 3,876 |
| Credit loss provision to net charge-offs | -12,500.0000% | 4,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0323% | 4,071 |
| Assets per employee ($millions) | 8.5184% | 557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2579% | 2,285 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 46.3830% | 4,651 |
| Net loans and leases to deposits | 66.1294% | 4,043 |
| Net loans and leases to core deposits | 68.6669% | 4,147 |
| Total domestic deposits to total assets | 70.1398% | 5,108 |
| Equity capital to assets | 8.6372% | 4,908 |
| Core capital (leverage) ratio | 8.3388% | 5,090 |
| Tier 1 risk-based capital ratio | 11.7944% | 4,568 |
| Total risk-based capital ratio | 12.6746% | 4,684 |
| Memoranda: | ||
| Average total assets | $380,151,500 | 1,837 |
| Average earning assets | $357,563,000 | 1,814 |
| Average equity | $31,463,500 | 2,333 |
| Average total loans | $174,396,000 | 2,427 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7607% | 4,571 |
| Cost of funding earning assets | 0.5560% | 3,010 |
| Net interest margin | 3.2048% | 4,474 |
| Noninterest income to average assets | 0.1581% | 4,932 |
| Noninterest expense to average assets | 1.6944% | 5,095 |
| Loan and lease loss provision to assets | 0.0365% | 3,466 |
| Net operating income to assets | 1.0652% | 2,736 |
| Return on assets (ROA) | 1.0756% | 2,684 |
| Pretax return on assets | 1.4521% | 1,945 |
| Return on Equity (ROE) | 13.3296% | 1,223 |
| Retained earnings to average equity (ytd only) | 13.3296% | 206 |
| Net charge-offs to loans | -0.0060% | 4,387 |
| Credit loss provision to net charge-offs | -1,444.4444% | 4,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4544% | 4,663 |
| Assets per employee ($millions) | 8.1951% | 620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2677% | 2,209 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 44.1910% | 4,808 |
| Net loans and leases to deposits | 58.2724% | 4,561 |
| Net loans and leases to core deposits | 59.7503% | 4,640 |
| Total domestic deposits to total assets | 75.8351% | 4,772 |
| Equity capital to assets | 7.9099% | 5,196 |
| Core capital (leverage) ratio | 8.3983% | 5,068 |
| Tier 1 risk-based capital ratio | 11.5399% | 4,704 |
| Total risk-based capital ratio | 12.3806% | 4,811 |
| Memoranda: | ||
| Average total assets | $356,177,600 | 1,891 |
| Average earning assets | $334,721,400 | 1,869 |
| Average equity | $28,740,600 | 2,413 |
| Average total loans | $149,690,600 | 2,645 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6541% | 4,722 |
| Cost of funding earning assets | 0.5175% | 3,078 |
| Net interest margin | 3.1366% | 4,641 |
| Noninterest income to average assets | 0.1622% | 4,973 |
| Noninterest expense to average assets | 1.5746% | 5,231 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1230% | 2,560 |
| Return on assets (ROA) | 1.1362% | 2,521 |
| Pretax return on assets | 1.5560% | 1,715 |
| Return on Equity (ROE) | 14.0068% | 1,118 |
| Retained earnings to average equity (ytd only) | 14.0068% | 247 |
| Net charge-offs to loans | -0.0064% | 4,281 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5673% | 4,913 |
| Assets per employee ($millions) | 9.3374% | 394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2974% | 2,104 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 41.9276% | 4,967 |
| Net loans and leases to deposits | 57.8174% | 4,653 |
| Net loans and leases to core deposits | 59.4021% | 4,726 |
| Total domestic deposits to total assets | 72.5172% | 5,094 |
| Equity capital to assets | 8.0330% | 5,161 |
| Core capital (leverage) ratio | 8.8099% | 4,879 |
| Tier 1 risk-based capital ratio | 12.0775% | 4,457 |
| Total risk-based capital ratio | 12.9198% | 4,582 |
| Memoranda: | ||
| Average total assets | $350,978,750 | 1,929 |
| Average earning assets | $330,286,500 | 1,899 |
| Average equity | $28,471,250 | 2,436 |
| Average total loans | $144,931,500 | 2,724 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5717% | 4,809 |
| Cost of funding earning assets | 0.5004% | 3,007 |
| Net interest margin | 3.0713% | 4,785 |
| Noninterest income to average assets | 0.1685% | 4,982 |
| Noninterest expense to average assets | 1.5390% | 5,315 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1023% | 2,573 |
| Return on assets (ROA) | 1.1224% | 2,511 |
| Pretax return on assets | 1.5413% | 1,679 |
| Return on Equity (ROE) | 13.7891% | 1,133 |
| Retained earnings to average equity (ytd only) | 13.7891% | 299 |
| Net charge-offs to loans | -0.0071% | 4,201 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3778% | 5,005 |
| Assets per employee ($millions) | 9.9904% | 314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3890% | 1,789 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 39.5784% | 5,067 |
| Net loans and leases to deposits | 54.6772% | 4,817 |
| Net loans and leases to core deposits | 56.8069% | 4,837 |
| Total domestic deposits to total assets | 72.3856% | 5,150 |
| Equity capital to assets | 7.9396% | 5,244 |
| Core capital (leverage) ratio | 8.1463% | 5,294 |
| Tier 1 risk-based capital ratio | 11.9312% | 4,537 |
| Total risk-based capital ratio | 12.7918% | 4,658 |
| Memoranda: | ||
| Average total assets | $346,585,330 | 1,949 |
| Average earning assets | $325,726,000 | 1,926 |
| Average equity | $28,210,670 | 2,462 |
| Average total loans | $141,678,670 | 2,775 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3738% | 5,051 |
| Cost of funding earning assets | 0.4092% | 3,517 |
| Net interest margin | 2.9646% | 4,928 |
| Noninterest income to average assets | 0.1553% | 5,084 |
| Noninterest expense to average assets | 1.5292% | 5,371 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0197% | 2,782 |
| Return on assets (ROA) | 1.0234% | 2,784 |
| Pretax return on assets | 1.4092% | 1,979 |
| Return on Equity (ROE) | 12.4115% | 1,436 |
| Retained earnings to average equity (ytd only) | 12.4115% | 613 |
| Net charge-offs to loans | -0.0086% | 4,188 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1251% | 4,955 |
| Assets per employee ($millions) | 10.1778% | 309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4504% | 1,655 |
| Loan loss allowance to noncurrent loans | 525.7218% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.1101% | 4,544 |
| Noncurrent loans to loans | 0.2759% | 3,781 |
| Net loans and leases to total assets | 39.3287% | 5,093 |
| Net loans and leases to deposits | 51.2232% | 4,916 |
| Net loans and leases to core deposits | 52.9713% | 4,952 |
| Total domestic deposits to total assets | 76.7790% | 4,885 |
| Equity capital to assets | 8.1770% | 5,189 |
| Core capital (leverage) ratio | 8.2948% | 5,267 |
| Tier 1 risk-based capital ratio | 11.9014% | 4,603 |
| Total risk-based capital ratio | 12.7913% | 4,735 |
| Memoranda: | ||
| Average total assets | $340,051,500 | 1,978 |
| Average earning assets | $318,694,500 | 1,965 |
| Average equity | $28,038,500 | 2,489 |
| Average total loans | $140,343,000 | 2,810 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1359% | 5,250 |
| Cost of funding earning assets | 0.3103% | 4,037 |
| Net interest margin | 2.8256% | 5,141 |
| Noninterest income to average assets | 0.1558% | 5,181 |
| Noninterest expense to average assets | 1.4617% | 5,492 |
| Loan and lease loss provision to assets | 0.0199% | 3,900 |
| Net operating income to assets | 0.8014% | 3,150 |
| Return on assets (ROA) | 0.8143% | 3,139 |
| Pretax return on assets | 1.3705% | 2,094 |
| Return on Equity (ROE) | 9.8335% | 1,958 |
| Retained earnings to average equity (ytd only) | 9.5045% | 422 |
| Net charge-offs to loans | -0.0067% | 4,697 |
| Credit loss provision to net charge-offs | -722.2222% | 5,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6160% | 5,126 |
| Assets per employee ($millions) | 9.8252% | 338 |
| Cash dividends to net income (ytd only)* | 3.3459% | 4,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4026% | 1,757 |
| Loan loss allowance to noncurrent loans | 840.3361% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.0712% | 4,761 |
| Noncurrent loans to loans | 0.1669% | 4,257 |
| Net loans and leases to total assets | 42.0849% | 5,062 |
| Net loans and leases to deposits | 55.1008% | 4,846 |
| Net loans and leases to core deposits | 56.5182% | 4,914 |
| Total domestic deposits to total assets | 76.3781% | 4,933 |
| Equity capital to assets | 8.3911% | 5,192 |
| Core capital (leverage) ratio | 8.2333% | 5,331 |
| Tier 1 risk-based capital ratio | 11.9228% | 4,584 |
| Total risk-based capital ratio | 12.8327% | 4,690 |
| Memoranda: | ||
| Average total assets | $326,667,600 | 2,031 |
| Average earning assets | $309,382,200 | 1,995 |
| Average equity | $27,050,400 | 2,543 |
| Average total loans | $134,872,800 | 2,851 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1381% | 5,300 |
| Cost of funding earning assets | 0.2874% | 4,246 |
| Net interest margin | 2.8508% | 5,157 |
| Noninterest income to average assets | 0.1556% | 5,242 |
| Noninterest expense to average assets | 1.4773% | 5,536 |
| Loan and lease loss provision to assets | 0.0513% | 3,072 |
| Net operating income to assets | 0.8587% | 3,234 |
| Return on assets (ROA) | 0.8690% | 3,227 |
| Pretax return on assets | 1.3509% | 2,280 |
| Return on Equity (ROE) | 10.5300% | 1,890 |
| Retained earnings to average equity (ytd only) | 10.5300% | 485 |
| Net charge-offs to loans | -0.0070% | 4,537 |
| Credit loss provision to net charge-offs | -1,785.7143% | 5,048 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5912% | 5,134 |
| Assets per employee ($millions) | 9.9142% | 321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4747% | 1,625 |
| Loan loss allowance to noncurrent loans | 1,327.7419% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.0460% | 5,003 |
| Noncurrent loans to loans | 0.1111% | 4,611 |
| Net loans and leases to total assets | 40.7900% | 5,165 |
| Net loans and leases to deposits | 57.9888% | 4,755 |
| Net loans and leases to core deposits | 59.4634% | 4,842 |
| Total domestic deposits to total assets | 70.3411% | 5,466 |
| Equity capital to assets | 8.3454% | 5,374 |
| Core capital (leverage) ratio | 8.3338% | 5,349 |
| Tier 1 risk-based capital ratio | 12.9214% | 4,066 |
| Total risk-based capital ratio | 13.9464% | 4,101 |
| Memoranda: | ||
| Average total assets | $324,820,000 | 2,055 |
| Average earning assets | $308,539,250 | 2,009 |
| Average equity | $26,805,250 | 2,576 |
| Average total loans | $132,944,000 | 2,894 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0726% | 5,370 |
| Cost of funding earning assets | 0.2424% | 4,619 |
| Net interest margin | 2.8302% | 5,203 |
| Noninterest income to average assets | 0.1584% | 5,259 |
| Noninterest expense to average assets | 1.4760% | 5,586 |
| Loan and lease loss provision to assets | 0.0779% | 2,422 |
| Net operating income to assets | 0.8329% | 3,233 |
| Return on assets (ROA) | 0.8487% | 3,210 |
| Pretax return on assets | 1.3151% | 2,331 |
| Return on Equity (ROE) | 10.3249% | 1,904 |
| Retained earnings to average equity (ytd only) | 10.3249% | 529 |
| Net charge-offs to loans | -0.0076% | 4,448 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,978 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8851% | 5,187 |
| Assets per employee ($millions) | 10.0508% | 295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5130% | 1,535 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 41.6117% | 5,164 |
| Net loans and leases to deposits | 57.3612% | 4,781 |
| Net loans and leases to core deposits | 58.7110% | 4,888 |
| Total domestic deposits to total assets | 72.5433% | 5,420 |
| Equity capital to assets | 8.5873% | 5,239 |
| Core capital (leverage) ratio | 8.1854% | 5,437 |
| Tier 1 risk-based capital ratio | 12.9725% | 4,011 |
| Total risk-based capital ratio | 14.0219% | 4,042 |
| Memoranda: | ||
| Average total assets | $320,732,330 | 2,080 |
| Average earning assets | $304,429,670 | 2,031 |
| Average equity | $26,363,330 | 2,604 |
| Average total loans | $130,740,670 | 2,936 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9904% | 5,468 |
| Cost of funding earning assets | 0.1949% | 5,025 |
| Net interest margin | 2.7955% | 5,251 |
| Noninterest income to average assets | 0.1574% | 5,332 |
| Noninterest expense to average assets | 1.5211% | 5,625 |
| Loan and lease loss provision to assets | 0.0874% | 2,079 |
| Net operating income to assets | 0.7847% | 3,285 |
| Return on assets (ROA) | 0.7855% | 3,338 |
| Pretax return on assets | 1.2014% | 2,589 |
| Return on Equity (ROE) | 9.7764% | 2,072 |
| Retained earnings to average equity (ytd only) | 9.7764% | 866 |
| Net charge-offs to loans | -0.0094% | 4,394 |
| Credit loss provision to net charge-offs | -2,333.3333% | 4,605 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1574% | 5,113 |
| Assets per employee ($millions) | 10.3026% | 275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5225% | 1,617 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 40.4837% | 5,233 |
| Net loans and leases to deposits | 53.4023% | 4,972 |
| Net loans and leases to core deposits | 54.2884% | 5,050 |
| Total domestic deposits to total assets | 75.8091% | 5,249 |
| Equity capital to assets | 8.1940% | 5,424 |
| Core capital (leverage) ratio | 8.0809% | 5,520 |
| Tier 1 risk-based capital ratio | 12.9174% | 4,132 |
| Total risk-based capital ratio | 13.9658% | 4,148 |
| Memoranda: | ||
| Average total assets | $320,285,500 | 2,092 |
| Average earning assets | $303,769,000 | 2,051 |
| Average equity | $25,735,500 | 2,667 |
| Average total loans | $128,166,000 | 2,991 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0677% | 5,440 |
| Cost of funding earning assets | 0.1065% | 5,674 |
| Net interest margin | 2.9612% | 5,030 |
| Noninterest income to average assets | 0.1878% | 5,275 |
| Noninterest expense to average assets | 1.6336% | 5,623 |
| Loan and lease loss provision to assets | 0.2207% | 999 |
| Net operating income to assets | 0.7281% | 3,651 |
| Return on assets (ROA) | 0.7414% | 3,698 |
| Pretax return on assets | 1.1323% | 2,958 |
| Return on Equity (ROE) | 8.0602% | 2,902 |
| Retained earnings to average equity (ytd only) | 8.0602% | 839 |
| Net charge-offs to loans | 0.4073% | 653 |
| Credit loss provision to net charge-offs | 126.6094% | 2,108 |
| Earnings coverage of net charge-offs (x) | 7.6438% | 2,985 |
| Efficiency ratio | 55.0763% | 5,143 |
| Assets per employee ($millions) | 10.7064% | 244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5404% | 1,534 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 38.3292% | 5,391 |
| Net loans and leases to deposits | 50.4651% | 5,188 |
| Net loans and leases to core deposits | 51.4014% | 5,252 |
| Total domestic deposits to total assets | 75.9520% | 5,244 |
| Equity capital to assets | 7.8772% | 5,614 |
| Core capital (leverage) ratio | 8.4799% | 5,281 |
| Tier 1 risk-based capital ratio | 13.2136% | 3,944 |
| Total risk-based capital ratio | 14.2758% | 3,966 |
| Memoranda: | ||
| Average total assets | $267,323,000 | 2,380 |
| Average earning assets | $250,808,200 | 2,349 |
| Average equity | $24,590,000 | 2,751 |
| Average total loans | $114,402,800 | 3,149 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1063% | 5,466 |
| Cost of funding earning assets | 0.0899% | 5,811 |
| Net interest margin | 3.0165% | 4,983 |
| Noninterest income to average assets | 0.1980% | 5,277 |
| Noninterest expense to average assets | 1.7148% | 5,601 |
| Loan and lease loss provision to assets | 0.2831% | 616 |
| Net operating income to assets | 0.6845% | 3,938 |
| Return on assets (ROA) | 0.7006% | 3,974 |
| Pretax return on assets | 1.0447% | 3,452 |
| Return on Equity (ROE) | 7.2858% | 3,410 |
| Retained earnings to average equity (ytd only) | 7.2858% | 1,486 |
| Net charge-offs to loans | 0.5584% | 378 |
| Credit loss provision to net charge-offs | 115.1709% | 2,159 |
| Earnings coverage of net charge-offs (x) | 5.3035% | 3,151 |
| Efficiency ratio | 56.8122% | 4,980 |
| Assets per employee ($millions) | 9.5939% | 338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5490% | 1,612 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 42.7881% | 5,261 |
| Net loans and leases to deposits | 51.6863% | 5,220 |
| Net loans and leases to core deposits | 52.6426% | 5,284 |
| Total domestic deposits to total assets | 82.7843% | 3,673 |
| Equity capital to assets | 9.1042% | 5,068 |
| Core capital (leverage) ratio | 9.7761% | 3,836 |
| Tier 1 risk-based capital ratio | 15.2977% | 2,917 |
| Total risk-based capital ratio | 16.5113% | 2,862 |
| Memoranda: | ||
| Average total assets | $253,856,000 | 2,485 |
| Average earning assets | $237,358,250 | 2,462 |
| Average equity | $24,412,250 | 2,788 |
| Average total loans | $111,744,500 | 3,200 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2141% | 5,408 |
| Cost of funding earning assets | 0.0933% | 5,877 |
| Net interest margin | 3.1208% | 4,777 |
| Noninterest income to average assets | 0.2035% | 5,274 |
| Noninterest expense to average assets | 1.7832% | 5,611 |
| Loan and lease loss provision to assets | 0.4029% | 377 |
| Net operating income to assets | 0.6017% | 4,259 |
| Return on assets (ROA) | 0.6275% | 4,285 |
| Pretax return on assets | 0.9132% | 3,903 |
| Return on Equity (ROE) | 6.3967% | 3,855 |
| Retained earnings to average equity (ytd only) | 6.3967% | 1,918 |
| Net charge-offs to loans | 0.8759% | 223 |
| Credit loss provision to net charge-offs | 103.9916% | 2,038 |
| Earnings coverage of net charge-offs (x) | 3.3004% | 3,131 |
| Efficiency ratio | 58.2403% | 4,869 |
| Assets per employee ($millions) | 9.0584% | 376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6194% | 1,473 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 43.6172% | 5,253 |
| Net loans and leases to deposits | 48.5524% | 5,400 |
| Net loans and leases to core deposits | 49.4595% | 5,455 |
| Total domestic deposits to total assets | 89.8354% | 551 |
| Equity capital to assets | 9.7979% | 4,451 |
| Core capital (leverage) ratio | 9.7671% | 3,844 |
| Tier 1 risk-based capital ratio | 14.3328% | 3,416 |
| Total risk-based capital ratio | 15.4700% | 3,407 |
| Memoranda: | ||
| Average total assets | $245,734,000 | 2,567 |
| Average earning assets | $225,070,670 | 2,573 |
| Average equity | $24,106,330 | 2,825 |
| Average total loans | $108,686,330 | 3,259 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2037% | 5,478 |
| Cost of funding earning assets | 0.0949% | 5,934 |
| Net interest margin | 3.1089% | 4,835 |
| Noninterest income to average assets | 0.2068% | 5,255 |
| Noninterest expense to average assets | 1.7503% | 5,703 |
| Loan and lease loss provision to assets | 0.7941% | 132 |
| Net operating income to assets | 0.4103% | 4,965 |
| Return on assets (ROA) | 0.4103% | 5,040 |
| Pretax return on assets | 0.5360% | 4,993 |
| Return on Equity (ROE) | 4.1797% | 4,831 |
| Retained earnings to average equity (ytd only) | 4.1797% | 3,397 |
| Net charge-offs to loans | 1.7902% | 90 |
| Credit loss provision to net charge-offs | 100.4184% | 1,609 |
| Earnings coverage of net charge-offs (x) | 1.6820% | 2,782 |
| Efficiency ratio | 56.8206% | 5,117 |
| Assets per employee ($millions) | 8.4921% | 476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6918% | 1,383 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 42.5673% | 5,321 |
| Net loans and leases to deposits | 47.3017% | 5,453 |
| Net loans and leases to core deposits | 48.2030% | 5,507 |
| Total domestic deposits to total assets | 89.9911% | 601 |
| Equity capital to assets | 9.7596% | 4,385 |
| Core capital (leverage) ratio | 9.5107% | 4,178 |
| Tier 1 risk-based capital ratio | 14.5217% | 3,382 |
| Total risk-based capital ratio | 15.6844% | 3,365 |
| Memoranda: | ||
| Average total assets | $241,783,000 | 2,607 |
| Average earning assets | $223,490,500 | 2,598 |
| Average equity | $23,734,000 | 2,855 |
| Average total loans | $106,804,500 | 3,299 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1174% | 5,615 |
| Cost of funding earning assets | 0.1043% | 5,945 |
| Net interest margin | 3.0131% | 5,107 |
| Noninterest income to average assets | 0.1940% | 5,424 |
| Noninterest expense to average assets | 1.7531% | 5,800 |
| Loan and lease loss provision to assets | 0.0941% | 2,436 |
| Net operating income to assets | 0.7563% | 3,540 |
| Return on assets (ROA) | 0.7753% | 3,516 |
| Pretax return on assets | 1.1584% | 2,814 |
| Return on Equity (ROE) | 7.7699% | 3,095 |
| Retained earnings to average equity (ytd only) | 7.7699% | 991 |
| Net charge-offs to loans | -0.0063% | 5,016 |
| Credit loss provision to net charge-offs | -3,500.0000% | 5,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8802% | 5,039 |
| Assets per employee ($millions) | 8.7887% | 412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6845% | 1,385 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 44.3212% | 5,263 |
| Net loans and leases to deposits | 49.3226% | 5,423 |
| Net loans and leases to core deposits | 50.2984% | 5,488 |
| Total domestic deposits to total assets | 89.8599% | 690 |
| Equity capital to assets | 9.8751% | 4,108 |
| Core capital (leverage) ratio | 9.8011% | 3,770 |
| Tier 1 risk-based capital ratio | 15.1675% | 3,096 |
| Total risk-based capital ratio | 16.3953% | 3,039 |
| Memoranda: | ||
| Average total assets | $223,152,000 | 2,723 |
| Average earning assets | $206,135,000 | 2,706 |
| Average equity | $22,265,400 | 2,942 |
| Average total loans | $95,737,800 | 3,461 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0724% | 5,737 |
| Cost of funding earning assets | 0.1078% | 6,030 |
| Net interest margin | 2.9647% | 5,277 |
| Noninterest income to average assets | 0.1979% | 5,460 |
| Noninterest expense to average assets | 1.7642% | 5,831 |
| Loan and lease loss provision to assets | 0.0971% | 2,230 |
| Net operating income to assets | 0.7228% | 3,803 |
| Return on assets (ROA) | 0.7419% | 3,814 |
| Pretax return on assets | 1.1037% | 3,216 |
| Return on Equity (ROE) | 7.4148% | 3,393 |
| Retained earnings to average equity (ytd only) | 7.4148% | 1,495 |
| Net charge-offs to loans | -0.0057% | 4,849 |
| Credit loss provision to net charge-offs | -4,000.0000% | 5,675 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0786% | 4,878 |
| Assets per employee ($millions) | 7.7736% | 596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6488% | 1,614 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 47.9583% | 5,081 |
| Net loans and leases to deposits | 53.6907% | 5,269 |
| Net loans and leases to core deposits | 54.8560% | 5,364 |
| Total domestic deposits to total assets | 89.3233% | 855 |
| Equity capital to assets | 10.4291% | 3,674 |
| Core capital (leverage) ratio | 10.0239% | 3,589 |
| Tier 1 risk-based capital ratio | 14.7307% | 3,426 |
| Total risk-based capital ratio | 15.9383% | 3,386 |
| Memoranda: | ||
| Average total assets | $219,616,250 | 2,774 |
| Average earning assets | $202,874,000 | 2,770 |
| Average equity | $21,973,500 | 2,993 |
| Average total loans | $92,928,750 | 3,557 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9661% | 5,891 |
| Cost of funding earning assets | 0.1109% | 6,090 |
| Net interest margin | 2.8552% | 5,525 |
| Noninterest income to average assets | 0.1861% | 5,576 |
| Noninterest expense to average assets | 1.7660% | 5,898 |
| Loan and lease loss provision to assets | 0.0908% | 2,303 |
| Net operating income to assets | 0.6634% | 4,065 |
| Return on assets (ROA) | 0.6628% | 4,171 |
| Pretax return on assets | 0.9688% | 3,704 |
| Return on Equity (ROE) | 6.7184% | 3,776 |
| Retained earnings to average equity (ytd only) | 6.7184% | 1,834 |
| Net charge-offs to loans | -0.0068% | 4,817 |
| Credit loss provision to net charge-offs | -3,333.3333% | 5,544 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4799% | 4,602 |
| Assets per employee ($millions) | 9.0448% | 367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7864% | 1,401 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 41.0673% | 5,570 |
| Net loans and leases to deposits | 45.6068% | 5,700 |
| Net loans and leases to core deposits | 46.5492% | 5,741 |
| Total domestic deposits to total assets | 90.0464% | 648 |
| Equity capital to assets | 9.7568% | 4,332 |
| Core capital (leverage) ratio | 9.7759% | 3,902 |
| Tier 1 risk-based capital ratio | 15.3196% | 3,188 |
| Total risk-based capital ratio | 16.5655% | 3,129 |
| Memoranda: | ||
| Average total assets | $220,268,330 | 2,787 |
| Average earning assets | $203,701,670 | 2,775 |
| Average equity | $21,731,330 | 3,029 |
| Average total loans | $88,526,330 | 3,676 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9114% | 5,982 |
| Cost of funding earning assets | 0.1173% | 6,128 |
| Net interest margin | 2.7941% | 5,653 |
| Noninterest income to average assets | 0.1785% | 5,646 |
| Noninterest expense to average assets | 1.7889% | 5,920 |
| Loan and lease loss provision to assets | 0.0920% | 2,158 |
| Net operating income to assets | 0.6355% | 4,112 |
| Return on assets (ROA) | 0.6276% | 4,264 |
| Pretax return on assets | 0.8724% | 3,990 |
| Return on Equity (ROE) | 6.3248% | 3,866 |
| Retained earnings to average equity (ytd only) | 6.3248% | 2,327 |
| Net charge-offs to loans | -0.0047% | 4,481 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,260 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7137% | 4,363 |
| Assets per employee ($millions) | 8.2851% | 480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8360% | 1,417 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 39.1267% | 5,652 |
| Net loans and leases to deposits | 43.4579% | 5,780 |
| Net loans and leases to core deposits | 44.3734% | 5,830 |
| Total domestic deposits to total assets | 90.0335% | 734 |
| Equity capital to assets | 9.8413% | 4,335 |
| Core capital (leverage) ratio | 9.5714% | 4,179 |
| Tier 1 risk-based capital ratio | 15.4705% | 3,163 |
| Total risk-based capital ratio | 16.7165% | 3,103 |
| Memoranda: | ||
| Average total assets | $217,343,000 | 2,829 |
| Average earning assets | $201,138,500 | 2,818 |
| Average equity | $21,566,000 | 3,070 |
| Average total loans | $85,514,500 | 3,761 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9057% | 6,129 |
| Cost of funding earning assets | 0.1239% | 6,227 |
| Net interest margin | 2.7818% | 5,835 |
| Noninterest income to average assets | 0.2162% | 5,560 |
| Noninterest expense to average assets | 1.9864% | 5,793 |
| Loan and lease loss provision to assets | 0.0064% | 4,498 |
| Net operating income to assets | 0.5771% | 4,473 |
| Return on assets (ROA) | 0.5961% | 4,476 |
| Pretax return on assets | 0.8022% | 4,254 |
| Return on Equity (ROE) | 5.4802% | 4,418 |
| Retained earnings to average equity (ytd only) | 2.4812% | 4,467 |
| Net charge-offs to loans | -0.0071% | 5,511 |
| Credit loss provision to net charge-offs | -240.0000% | 5,668 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7303% | 3,250 |
| Assets per employee ($millions) | 8.4395% | 448 |
| Cash dividends to net income (ytd only)* | 54.7255% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9373% | 1,224 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 38.0497% | 5,846 |
| Net loans and leases to deposits | 42.3807% | 5,956 |
| Net loans and leases to core deposits | 43.4021% | 5,976 |
| Total domestic deposits to total assets | 89.7809% | 843 |
| Equity capital to assets | 10.0087% | 4,107 |
| Core capital (leverage) ratio | 9.9478% | 3,645 |
| Tier 1 risk-based capital ratio | 15.7693% | 3,087 |
| Total risk-based capital ratio | 17.0194% | 3,023 |
| Memoranda: | ||
| Average total assets | $186,369,400 | 3,144 |
| Average earning assets | $171,041,400 | 3,145 |
| Average equity | $20,272,800 | 3,136 |
| Average total loans | $70,874,000 | 4,150 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9418% | 6,171 |
| Cost of funding earning assets | 0.1253% | 6,307 |
| Net interest margin | 2.8164% | 5,851 |
| Noninterest income to average assets | 0.2227% | 5,594 |
| Noninterest expense to average assets | 2.0686% | 5,641 |
| Loan and lease loss provision to assets | 0.0022% | 4,360 |
| Net operating income to assets | 0.5508% | 4,672 |
| Return on assets (ROA) | 0.5778% | 4,631 |
| Pretax return on assets | 0.7643% | 4,489 |
| Return on Equity (ROE) | 5.1905% | 4,629 |
| Retained earnings to average equity (ytd only) | 1.1498% | 5,429 |
| Net charge-offs to loans | -0.0078% | 5,377 |
| Credit loss provision to net charge-offs | -75.0000% | 5,404 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8901% | 2,835 |
| Assets per employee ($millions) | 7.5968% | 614 |
| Cash dividends to net income (ytd only)* | 77.8491% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0586% | 1,151 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 37.9623% | 5,945 |
| Net loans and leases to deposits | 42.4277% | 6,033 |
| Net loans and leases to core deposits | 43.5238% | 6,063 |
| Total domestic deposits to total assets | 89.4753% | 993 |
| Equity capital to assets | 10.3216% | 3,768 |
| Core capital (leverage) ratio | 10.8606% | 2,621 |
| Tier 1 risk-based capital ratio | 16.2324% | 2,939 |
| Total risk-based capital ratio | 17.4832% | 2,891 |
| Memoranda: | ||
| Average total assets | $180,215,000 | 3,233 |
| Average earning assets | $164,885,000 | 3,250 |
| Average equity | $20,061,750 | 3,169 |
| Average total loans | $68,126,000 | 4,274 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9846% | 6,195 |
| Cost of funding earning assets | 0.1272% | 6,372 |
| Net interest margin | 2.8574% | 5,805 |
| Noninterest income to average assets | 0.2224% | 5,615 |
| Noninterest expense to average assets | 2.1324% | 5,557 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5309% | 4,688 |
| Return on assets (ROA) | 0.5732% | 4,595 |
| Pretax return on assets | 0.7452% | 4,477 |
| Return on Equity (ROE) | 5.0117% | 4,666 |
| Retained earnings to average equity (ytd only) | -1.0825% | 5,863 |
| Net charge-offs to loans | -0.0092% | 5,305 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5483% | 2,713 |
| Assets per employee ($millions) | 7.2807% | 702 |
| Cash dividends to net income (ytd only)* | 121.6000% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2195% | 995 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 38.0490% | 5,955 |
| Net loans and leases to deposits | 42.8230% | 6,041 |
| Net loans and leases to core deposits | 44.1084% | 6,061 |
| Total domestic deposits to total assets | 88.8517% | 1,445 |
| Equity capital to assets | 10.9654% | 2,912 |
| Core capital (leverage) ratio | 11.0413% | 2,383 |
| Tier 1 risk-based capital ratio | 17.3042% | 2,502 |
| Total risk-based capital ratio | 18.5559% | 2,456 |
| Memoranda: | ||
| Average total assets | $174,447,670 | 3,313 |
| Average earning assets | $158,746,000 | 3,341 |
| Average equity | $19,953,330 | 3,173 |
| Average total loans | $65,315,330 | 4,383 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0391% | 6,201 |
| Cost of funding earning assets | 0.1288% | 6,453 |
| Net interest margin | 2.9103% | 5,728 |
| Noninterest income to average assets | 0.2227% | 5,576 |
| Noninterest expense to average assets | 2.2266% | 5,394 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5092% | 4,642 |
| Return on assets (ROA) | 0.5203% | 4,657 |
| Pretax return on assets | 0.6586% | 4,635 |
| Return on Equity (ROE) | 4.4510% | 4,819 |
| Retained earnings to average equity (ytd only) | 4.4510% | 3,453 |
| Net charge-offs to loans | -0.0128% | 5,139 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5510% | 2,544 |
| Assets per employee ($millions) | 6.9953% | 807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5420% | 776 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 34.4402% | 6,156 |
| Net loans and leases to deposits | 38.9798% | 6,205 |
| Net loans and leases to core deposits | 39.5482% | 6,253 |
| Total domestic deposits to total assets | 88.3539% | 2,023 |
| Equity capital to assets | 11.5134% | 2,236 |
| Core capital (leverage) ratio | 11.2008% | 2,221 |
| Tier 1 risk-based capital ratio | 19.2716% | 1,884 |
| Total risk-based capital ratio | 20.5257% | 1,854 |
| Memoranda: | ||
| Average total assets | $170,662,500 | 3,395 |
| Average earning assets | $155,310,000 | 3,410 |
| Average equity | $19,950,500 | 3,180 |
| Average total loans | $62,559,000 | 4,510 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3257% | 5,964 |
| Cost of funding earning assets | 0.1526% | 6,528 |
| Net interest margin | 3.1731% | 5,083 |
| Noninterest income to average assets | 0.2453% | 5,591 |
| Noninterest expense to average assets | 2.0818% | 5,867 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7774% | 3,404 |
| Return on assets (ROA) | 0.8086% | 3,345 |
| Pretax return on assets | 1.0798% | 3,029 |
| Return on Equity (ROE) | 6.3690% | 3,889 |
| Retained earnings to average equity (ytd only) | 6.3690% | 1,761 |
| Net charge-offs to loans | -0.0069% | 5,972 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7221% | 4,422 |
| Assets per employee ($millions) | 6.4016% | 1,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4780% | 845 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 37.0988% | 6,152 |
| Net loans and leases to deposits | 42.1877% | 6,215 |
| Net loans and leases to core deposits | 42.8365% | 6,278 |
| Total domestic deposits to total assets | 87.9375% | 2,211 |
| Equity capital to assets | 11.8756% | 1,883 |
| Core capital (leverage) ratio | 12.2452% | 1,470 |
| Tier 1 risk-based capital ratio | 19.1026% | 1,887 |
| Total risk-based capital ratio | 20.3566% | 1,849 |
| Memoranda: | ||
| Average total assets | $154,100,800 | 3,639 |
| Average earning assets | $139,611,600 | 3,671 |
| Average equity | $19,563,600 | 3,202 |
| Average total loans | $58,383,400 | 4,668 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3967% | 5,882 |
| Cost of funding earning assets | 0.1608% | 6,590 |
| Net interest margin | 3.2359% | 4,873 |
| Noninterest income to average assets | 0.2507% | 5,639 |
| Noninterest expense to average assets | 2.0677% | 5,893 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8225% | 3,240 |
| Return on assets (ROA) | 0.8643% | 3,131 |
| Pretax return on assets | 1.1716% | 2,808 |
| Return on Equity (ROE) | 6.6894% | 3,827 |
| Retained earnings to average equity (ytd only) | 6.6894% | 2,042 |
| Net charge-offs to loans | -0.0047% | 5,775 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9653% | 4,654 |
| Assets per employee ($millions) | 5.9229% | 1,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6068% | 826 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 39.5386% | 6,066 |
| Net loans and leases to deposits | 45.6374% | 6,128 |
| Net loans and leases to core deposits | 46.9683% | 6,173 |
| Total domestic deposits to total assets | 86.6363% | 2,892 |
| Equity capital to assets | 13.1820% | 1,247 |
| Core capital (leverage) ratio | 13.0329% | 1,190 |
| Tier 1 risk-based capital ratio | 20.3022% | 1,655 |
| Total risk-based capital ratio | 21.5574% | 1,629 |
| Memoranda: | ||
| Average total assets | $151,015,500 | 3,721 |
| Average earning assets | $136,837,000 | 3,750 |
| Average equity | $19,513,000 | 3,243 |
| Average total loans | $57,150,000 | 4,756 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4159% | 5,869 |
| Cost of funding earning assets | 0.1684% | 6,630 |
| Net interest margin | 3.2475% | 4,780 |
| Noninterest income to average assets | 0.2290% | 5,807 |
| Noninterest expense to average assets | 1.9922% | 6,063 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8596% | 2,991 |
| Return on assets (ROA) | 0.9211% | 2,833 |
| Pretax return on assets | 1.2645% | 2,425 |
| Return on Equity (ROE) | 7.1754% | 3,500 |
| Retained earnings to average equity (ytd only) | 7.1754% | 1,808 |
| Net charge-offs to loans | -0.0036% | 5,587 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7955% | 5,050 |
| Assets per employee ($millions) | 7.3471% | 611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6397% | 839 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0687% | 6,298 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 39.2824% | 6,094 |
| Net loans and leases to deposits | 45.3529% | 6,148 |
| Net loans and leases to core deposits | 46.6840% | 6,200 |
| Total domestic deposits to total assets | 86.6150% | 3,047 |
| Equity capital to assets | 13.1917% | 1,263 |
| Core capital (leverage) ratio | 12.3848% | 1,414 |
| Tier 1 risk-based capital ratio | 20.5862% | 1,590 |
| Total risk-based capital ratio | 21.8427% | 1,559 |
| Memoranda: | ||
| Average total assets | $151,996,330 | 3,734 |
| Average earning assets | $137,768,000 | 3,760 |
| Average equity | $19,511,000 | 3,258 |
| Average total loans | $56,162,330 | 4,816 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2749% | 6,196 |
| Cost of funding earning assets | 0.1734% | 6,706 |
| Net interest margin | 3.1015% | 5,258 |
| Noninterest income to average assets | 0.2149% | 5,941 |
| Noninterest expense to average assets | 2.0087% | 6,088 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7650% | 3,358 |
| Return on assets (ROA) | 0.8646% | 2,980 |
| Pretax return on assets | 1.1649% | 2,703 |
| Return on Equity (ROE) | 6.8252% | 3,581 |
| Retained earnings to average equity (ytd only) | 6.8252% | 2,239 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0988% | 4,644 |
| Assets per employee ($millions) | 8.7656% | 348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9001% | 732 |
| Loan loss allowance to noncurrent loans | 1,134.0580% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.1515% | 6,119 |
| Noncurrent loans to loans | 0.2557% | 5,772 |
| Net loans and leases to total assets | 33.2100% | 6,458 |
| Net loans and leases to deposits | 38.0044% | 6,506 |
| Net loans and leases to core deposits | 39.0297% | 6,518 |
| Total domestic deposits to total assets | 87.3844% | 2,700 |
| Equity capital to assets | 12.4426% | 1,746 |
| Core capital (leverage) ratio | 11.8996% | 1,621 |
| Tier 1 risk-based capital ratio | 20.6587% | 1,622 |
| Total risk-based capital ratio | 21.9147% | 1,588 |
| Memoranda: | ||
| Average total assets | $154,524,000 | 3,730 |
| Average earning assets | $140,705,000 | 3,756 |
| Average equity | $19,574,500 | 3,302 |
| Average total loans | $54,600,000 | 4,897 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7279% | 6,003 |
| Cost of funding earning assets | 0.2522% | 6,661 |
| Net interest margin | 3.4757% | 4,600 |
| Noninterest income to average assets | 0.2067% | 5,935 |
| Noninterest expense to average assets | 2.0548% | 6,222 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9454% | 2,576 |
| Return on assets (ROA) | 1.0107% | 2,508 |
| Pretax return on assets | 1.4597% | 1,818 |
| Return on Equity (ROE) | 7.6332% | 3,266 |
| Retained earnings to average equity (ytd only) | 4.9258% | 2,749 |
| Net charge-offs to loans | 0.0555% | 5,157 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 67.6207% | 536 |
| Efficiency ratio | 60.0855% | 5,526 |
| Assets per employee ($millions) | 8.4037% | 418 |
| Cash dividends to net income (ytd only)* | 35.4683% | 3,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8333% | 800 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0668% | 6,444 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 35.4810% | 6,468 |
| Net loans and leases to deposits | 41.1663% | 6,493 |
| Net loans and leases to core deposits | 44.8132% | 6,427 |
| Total domestic deposits to total assets | 86.1893% | 3,261 |
| Equity capital to assets | 12.9024% | 1,491 |
| Core capital (leverage) ratio | 12.6063% | 1,283 |
| Tier 1 risk-based capital ratio | 21.1938% | 1,421 |
| Total risk-based capital ratio | 22.4513% | 1,391 |
| Memoranda: | ||
| Average total assets | $143,661,800 | 3,887 |
| Average earning assets | $132,809,400 | 3,845 |
| Average equity | $19,022,200 | 3,330 |
| Average total loans | $52,299,000 | 5,003 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7840% | 6,060 |
| Cost of funding earning assets | 0.2690% | 6,733 |
| Net interest margin | 3.5150% | 4,583 |
| Noninterest income to average assets | 0.2032% | 6,074 |
| Noninterest expense to average assets | 2.1237% | 6,121 |
| Loan and lease loss provision to assets | -0.0310% | 6,974 |
| Net operating income to assets | 0.9373% | 2,806 |
| Return on assets (ROA) | 1.0242% | 2,614 |
| Pretax return on assets | 1.5077% | 1,854 |
| Return on Equity (ROE) | 7.6829% | 3,432 |
| Retained earnings to average equity (ytd only) | 7.6829% | 1,766 |
| Net charge-offs to loans | -0.0078% | 6,319 |
| Credit loss provision to net charge-offs | 1,100.0000% | 257 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1593% | 5,285 |
| Assets per employee ($millions) | 7.1761% | 682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7795% | 902 |
| Loan loss allowance to noncurrent loans | 10,426.6667% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.0808% | 6,539 |
| Noncurrent loans to loans | 0.0267% | 6,564 |
| Net loans and leases to total assets | 38.1161% | 6,412 |
| Net loans and leases to deposits | 44.4059% | 6,482 |
| Net loans and leases to core deposits | 48.5822% | 6,376 |
| Total domestic deposits to total assets | 85.8356% | 3,343 |
| Equity capital to assets | 13.7150% | 1,265 |
| Core capital (leverage) ratio | 12.8379% | 1,259 |
| Tier 1 risk-based capital ratio | 21.4498% | 1,431 |
| Total risk-based capital ratio | 22.7069% | 1,403 |
| Memoranda: | ||
| Average total assets | $141,760,500 | 3,959 |
| Average earning assets | $131,851,750 | 3,898 |
| Average equity | $18,898,500 | 3,376 |
| Average total loans | $51,564,750 | 5,095 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7834% | 6,182 |
| Cost of funding earning assets | 0.2754% | 6,818 |
| Net interest margin | 3.5080% | 4,633 |
| Noninterest income to average assets | 0.1558% | 6,416 |
| Noninterest expense to average assets | 2.1463% | 6,137 |
| Loan and lease loss provision to assets | -0.0468% | 7,072 |
| Net operating income to assets | 0.9046% | 2,892 |
| Return on assets (ROA) | 1.0356% | 2,539 |
| Pretax return on assets | 1.5329% | 1,770 |
| Return on Equity (ROE) | 7.8447% | 3,325 |
| Retained earnings to average equity (ytd only) | 7.8447% | 1,702 |
| Net charge-offs to loans | -0.0080% | 6,242 |
| Credit loss provision to net charge-offs | 1,650.0000% | 196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3970% | 5,184 |
| Assets per employee ($millions) | 7.0398% | 712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9545% | 818 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0717% | 6,633 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 36.4637% | 6,586 |
| Net loans and leases to deposits | 42.3156% | 6,629 |
| Net loans and leases to core deposits | 46.3750% | 6,557 |
| Total domestic deposits to total assets | 86.1707% | 3,270 |
| Equity capital to assets | 13.5800% | 1,271 |
| Core capital (leverage) ratio | 12.5232% | 1,343 |
| Tier 1 risk-based capital ratio | 22.9214% | 1,144 |
| Total risk-based capital ratio | 24.1817% | 1,119 |
| Memoranda: | ||
| Average total assets | $141,173,330 | 3,988 |
| Average earning assets | $132,155,330 | 3,917 |
| Average equity | $18,636,670 | 3,408 |
| Average total loans | $49,996,670 | 5,201 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7910% | 6,262 |
| Cost of funding earning assets | 0.2788% | 6,909 |
| Net interest margin | 3.5122% | 4,631 |
| Noninterest income to average assets | 0.1471% | 6,503 |
| Noninterest expense to average assets | 2.0628% | 6,358 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9507% | 2,687 |
| Return on assets (ROA) | 0.9507% | 2,898 |
| Pretax return on assets | 1.3639% | 2,315 |
| Return on Equity (ROE) | 7.3063% | 3,603 |
| Retained earnings to average equity (ytd only) | 7.3063% | 2,276 |
| Net charge-offs to loans | -0.0165% | 6,113 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1982% | 5,586 |
| Assets per employee ($millions) | 7.1447% | 700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1816% | 696 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0938% | 6,647 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 33.9891% | 6,738 |
| Net loans and leases to deposits | 39.1327% | 6,775 |
| Net loans and leases to core deposits | 42.8811% | 6,709 |
| Total domestic deposits to total assets | 86.8559% | 3,043 |
| Equity capital to assets | 12.9272% | 1,470 |
| Core capital (leverage) ratio | 12.2455% | 1,464 |
| Tier 1 risk-based capital ratio | 23.0394% | 1,130 |
| Total risk-based capital ratio | 24.2982% | 1,113 |
| Memoranda: | ||
| Average total assets | $141,362,500 | 4,009 |
| Average earning assets | $131,998,500 | 3,940 |
| Average equity | $18,395,000 | 3,440 |
| Average total loans | $48,544,000 | 5,286 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9442% | 6,554 |
| Cost of funding earning assets | 0.3476% | 7,016 |
| Net interest margin | 3.5965% | 4,746 |
| Noninterest income to average assets | 0.1283% | 6,515 |
| Noninterest expense to average assets | 2.0396% | 6,607 |
| Loan and lease loss provision to assets | 0.1378% | 4,895 |
| Net operating income to assets | 0.8845% | 2,669 |
| Return on assets (ROA) | 0.9107% | 2,676 |
| Pretax return on assets | 1.3348% | 1,999 |
| Return on Equity (ROE) | 7.2558% | 3,277 |
| Retained earnings to average equity (ytd only) | 7.2558% | 1,379 |
| Net charge-offs to loans | 0.0809% | 5,511 |
| Credit loss provision to net charge-offs | 542.8571% | 421 |
| Earnings coverage of net charge-offs (x) | 56.5143% | 502 |
| Efficiency ratio | 58.7143% | 5,946 |
| Assets per employee ($millions) | 7.3596% | 613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3970% | 577 |
| Loan loss allowance to noncurrent loans | 1,189.5522% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.0958% | 6,715 |
| Noncurrent loans to loans | 0.2856% | 6,154 |
| Net loans and leases to total assets | 32.4175% | 6,933 |
| Net loans and leases to deposits | 37.4133% | 6,965 |
| Net loans and leases to core deposits | 40.9922% | 6,916 |
| Total domestic deposits to total assets | 86.6468% | 2,951 |
| Equity capital to assets | 13.1000% | 1,443 |
| Core capital (leverage) ratio | 12.6895% | 1,272 |
| Tier 1 risk-based capital ratio | 24.0397% | 968 |
| Total risk-based capital ratio | 25.3027% | 949 |
| Memoranda: | ||
| Average total assets | $137,920,200 | 4,016 |
| Average earning assets | $128,291,000 | 3,964 |
| Average equity | $17,310,200 | 3,532 |
| Average total loans | $43,257,200 | 5,549 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0072% | 6,575 |
| Cost of funding earning assets | 0.3620% | 7,103 |
| Net interest margin | 3.6452% | 4,591 |
| Noninterest income to average assets | 0.1242% | 6,639 |
| Noninterest expense to average assets | 2.0682% | 6,553 |
| Loan and lease loss provision to assets | 0.1358% | 4,741 |
| Net operating income to assets | 0.8939% | 2,763 |
| Return on assets (ROA) | 0.9196% | 2,809 |
| Pretax return on assets | 1.3474% | 2,123 |
| Return on Equity (ROE) | 7.4097% | 3,324 |
| Retained earnings to average equity (ytd only) | 7.4097% | 1,768 |
| Net charge-offs to loans | -0.0189% | 6,898 |
| Credit loss provision to net charge-offs | -2,333.3333% | 6,844 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8625% | 5,886 |
| Assets per employee ($millions) | 7.3318% | 631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7364% | 481 |
| Loan loss allowance to noncurrent loans | 788.0597% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.1523% | 6,663 |
| Noncurrent loans to loans | 0.4741% | 5,896 |
| Net loans and leases to total assets | 30.9232% | 7,057 |
| Net loans and leases to deposits | 36.2051% | 7,074 |
| Net loans and leases to core deposits | 39.9460% | 7,044 |
| Total domestic deposits to total assets | 85.4113% | 3,547 |
| Equity capital to assets | 13.6658% | 1,298 |
| Core capital (leverage) ratio | 12.4953% | 1,438 |
| Tier 1 risk-based capital ratio | 24.6587% | 946 |
| Total risk-based capital ratio | 25.9222% | 926 |
| Memoranda: | ||
| Average total assets | $137,442,250 | 4,050 |
| Average earning assets | $127,799,500 | 4,001 |
| Average equity | $17,058,250 | 3,576 |
| Average total loans | $42,340,500 | 5,635 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8907% | 6,813 |
| Cost of funding earning assets | 0.3644% | 7,202 |
| Net interest margin | 3.5263% | 5,035 |
| Noninterest income to average assets | 0.1206% | 6,725 |
| Noninterest expense to average assets | 2.0350% | 6,723 |
| Loan and lease loss provision to assets | 0.1292% | 4,674 |
| Net operating income to assets | 0.8399% | 2,905 |
| Return on assets (ROA) | 0.8732% | 2,853 |
| Pretax return on assets | 1.2853% | 2,180 |
| Return on Equity (ROE) | 7.2672% | 3,312 |
| Retained earnings to average equity (ytd only) | 7.2672% | 1,755 |
| Net charge-offs to loans | -0.0378% | 6,983 |
| Credit loss provision to net charge-offs | -1,125.0000% | 6,607 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8395% | 5,898 |
| Assets per employee ($millions) | 7.7107% | 510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6195% | 551 |
| Loan loss allowance to noncurrent loans | 764.6766% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.1448% | 6,726 |
| Noncurrent loans to loans | 0.4733% | 5,959 |
| Net loans and leases to total assets | 29.4878% | 7,197 |
| Net loans and leases to deposits | 33.9514% | 7,222 |
| Net loans and leases to core deposits | 37.2020% | 7,190 |
| Total domestic deposits to total assets | 86.8531% | 2,817 |
| Equity capital to assets | 12.5381% | 1,763 |
| Core capital (leverage) ratio | 11.9482% | 1,625 |
| Tier 1 risk-based capital ratio | 23.8485% | 1,021 |
| Total risk-based capital ratio | 25.1108% | 1,005 |
| Memoranda: | ||
| Average total assets | $139,265,670 | 4,036 |
| Average earning assets | $129,540,000 | 3,999 |
| Average equity | $16,732,670 | 3,617 |
| Average total loans | $42,322,670 | 5,690 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8119% | 6,941 |
| Cost of funding earning assets | 0.3772% | 7,274 |
| Net interest margin | 3.4348% | 5,287 |
| Noninterest income to average assets | 0.1204% | 6,813 |
| Noninterest expense to average assets | 2.0071% | 6,823 |
| Loan and lease loss provision to assets | 0.2581% | 3,079 |
| Net operating income to assets | 0.7110% | 3,470 |
| Return on assets (ROA) | 0.7168% | 3,503 |
| Pretax return on assets | 1.0494% | 2,949 |
| Return on Equity (ROE) | 6.0983% | 3,848 |
| Retained earnings to average equity (ytd only) | 6.0983% | 2,579 |
| Net charge-offs to loans | -0.0663% | 6,976 |
| Credit loss provision to net charge-offs | -1,285.7143% | 6,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7112% | 5,874 |
| Assets per employee ($millions) | 8.4021% | 411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7424% | 512 |
| Loan loss allowance to noncurrent loans | 756.6502% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.6021% | 5,770 |
| Noncurrent loans to loans | 0.4946% | 6,028 |
| Net loans and leases to total assets | 27.6592% | 7,303 |
| Net loans and leases to deposits | 31.3989% | 7,334 |
| Net loans and leases to core deposits | 34.2613% | 7,301 |
| Total domestic deposits to total assets | 88.0898% | 2,322 |
| Equity capital to assets | 11.5322% | 2,237 |
| Core capital (leverage) ratio | 11.5293% | 1,829 |
| Tier 1 risk-based capital ratio | 21.8125% | 1,260 |
| Total risk-based capital ratio | 23.0739% | 1,229 |
| Memoranda: | ||
| Average total assets | $139,502,000 | 4,073 |
| Average earning assets | $129,383,500 | 4,037 |
| Average equity | $16,398,000 | 3,654 |
| Average total loans | $42,252,000 | 5,739 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4779% | 6,448 |
| Cost of funding earning assets | 0.5529% | 7,225 |
| Net interest margin | 3.9249% | 3,373 |
| Noninterest income to average assets | 0.1298% | 6,746 |
| Noninterest expense to average assets | 2.0830% | 6,884 |
| Loan and lease loss provision to assets | 0.4993% | 3,152 |
| Net operating income to assets | 0.8062% | 2,771 |
| Return on assets (ROA) | 0.8672% | 2,659 |
| Pretax return on assets | 1.1743% | 2,319 |
| Return on Equity (ROE) | 6.4890% | 3,354 |
| Retained earnings to average equity (ytd only) | 6.4890% | 1,558 |
| Net charge-offs to loans | 0.6901% | 2,937 |
| Credit loss provision to net charge-offs | 202.7027% | 1,535 |
| Earnings coverage of net charge-offs (x) | 6.4595% | 2,355 |
| Efficiency ratio | 56.6931% | 6,498 |
| Assets per employee ($millions) | 8.0099% | 478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3110% | 673 |
| Loan loss allowance to noncurrent loans | 35,975.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.4854% | 6,060 |
| Noncurrent loans to loans | 0.0092% | 7,138 |
| Net loans and leases to total assets | 30.8602% | 7,325 |
| Net loans and leases to deposits | 35.1911% | 7,367 |
| Net loans and leases to core deposits | 38.6701% | 7,336 |
| Total domestic deposits to total assets | 87.6932% | 2,423 |
| Equity capital to assets | 11.9880% | 1,922 |
| Core capital (leverage) ratio | 12.5328% | 1,302 |
| Tier 1 risk-based capital ratio | 21.5087% | 1,245 |
| Total risk-based capital ratio | 22.7687% | 1,220 |
| Memoranda: | ||
| Average total assets | $120,161,000 | 4,480 |
| Average earning assets | $108,511,600 | 4,496 |
| Average equity | $16,058,000 | 3,751 |
| Average total loans | $42,894,200 | 5,796 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6152% | 6,294 |
| Cost of funding earning assets | 0.5913% | 7,306 |
| Net interest margin | 4.0239% | 2,992 |
| Noninterest income to average assets | 0.1320% | 6,900 |
| Noninterest expense to average assets | 2.1694% | 6,686 |
| Loan and lease loss provision to assets | 0.5165% | 2,876 |
| Net operating income to assets | 0.7976% | 3,008 |
| Return on assets (ROA) | 0.8700% | 2,868 |
| Pretax return on assets | 1.1421% | 2,689 |
| Return on Equity (ROE) | 6.3199% | 3,671 |
| Retained earnings to average equity (ytd only) | 6.3199% | 2,191 |
| Net charge-offs to loans | 0.9231% | 2,152 |
| Credit loss provision to net charge-offs | 152.0270% | 2,554 |
| Earnings coverage of net charge-offs (x) | 4.6013% | 2,983 |
| Efficiency ratio | 58.1181% | 6,255 |
| Assets per employee ($millions) | 7.2865% | 681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0088% | 814 |
| Loan loss allowance to noncurrent loans | 21,483.3333% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.5352% | 6,086 |
| Noncurrent loans to loans | 0.0140% | 7,227 |
| Net loans and leases to total assets | 33.5448% | 7,362 |
| Net loans and leases to deposits | 39.0314% | 7,395 |
| Net loans and leases to core deposits | 44.3325% | 7,310 |
| Total domestic deposits to total assets | 85.9433% | 3,109 |
| Equity capital to assets | 13.4189% | 1,383 |
| Core capital (leverage) ratio | 13.0219% | 1,221 |
| Tier 1 risk-based capital ratio | 22.5588% | 1,123 |
| Total risk-based capital ratio | 23.8171% | 1,095 |
| Memoranda: | ||
| Average total assets | $116,159,000 | 4,632 |
| Average earning assets | $103,943,000 | 4,670 |
| Average equity | $15,991,500 | 3,808 |
| Average total loans | $42,752,500 | 5,886 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7088% | 6,117 |
| Cost of funding earning assets | 0.6243% | 7,355 |
| Net interest margin | 4.0845% | 2,631 |
| Noninterest income to average assets | 0.1303% | 6,937 |
| Noninterest expense to average assets | 2.1516% | 6,759 |
| Loan and lease loss provision to assets | 0.5282% | 2,676 |
| Net operating income to assets | 0.7913% | 3,005 |
| Return on assets (ROA) | 0.8980% | 2,678 |
| Pretax return on assets | 1.2255% | 2,331 |
| Return on Equity (ROE) | 6.4633% | 3,566 |
| Retained earnings to average equity (ytd only) | 6.4633% | 2,094 |
| Net charge-offs to loans | 0.4635% | 3,152 |
| Credit loss provision to net charge-offs | 303.0303% | 1,206 |
| Earnings coverage of net charge-offs (x) | 9.2222% | 2,042 |
| Efficiency ratio | 57.2365% | 6,485 |
| Assets per employee ($millions) | 7.4083% | 646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2151% | 690 |
| Loan loss allowance to noncurrent loans | 161.3527% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 0.7451% | 5,632 |
| Noncurrent loans to loans | 1.9926% | 3,725 |
| Net loans and leases to total assets | 36.1920% | 7,341 |
| Net loans and leases to deposits | 42.5614% | 7,372 |
| Net loans and leases to core deposits | 48.4064% | 7,267 |
| Total domestic deposits to total assets | 85.0347% | 3,606 |
| Equity capital to assets | 14.5243% | 1,005 |
| Core capital (leverage) ratio | 12.9080% | 1,241 |
| Tier 1 risk-based capital ratio | 23.1222% | 1,051 |
| Total risk-based capital ratio | 24.3827% | 1,026 |
| Memoranda: | ||
| Average total assets | $113,588,670 | 4,717 |
| Average earning assets | $100,917,670 | 4,781 |
| Average equity | $15,781,330 | 3,838 |
| Average total loans | $42,723,000 | 5,917 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7492% | 6,080 |
| Cost of funding earning assets | 0.6518% | 7,431 |
| Net interest margin | 4.0974% | 2,451 |
| Noninterest income to average assets | 0.1150% | 7,117 |
| Noninterest expense to average assets | 2.1390% | 6,839 |
| Loan and lease loss provision to assets | 0.5226% | 2,410 |
| Net operating income to assets | 0.7084% | 3,405 |
| Return on assets (ROA) | 0.8814% | 2,700 |
| Pretax return on assets | 1.2994% | 2,051 |
| Return on Equity (ROE) | 6.4863% | 3,625 |
| Retained earnings to average equity (ytd only) | 6.4863% | 2,365 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7068% | 6,530 |
| Assets per employee ($millions) | 7.5114% | 644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1164% | 748 |
| Loan loss allowance to noncurrent loans | 159.8259% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.6690% | 5,843 |
| Noncurrent loans to loans | 1.9498% | 3,859 |
| Net loans and leases to total assets | 33.2404% | 7,524 |
| Net loans and leases to deposits | 38.5645% | 7,561 |
| Net loans and leases to core deposits | 43.3202% | 7,497 |
| Total domestic deposits to total assets | 86.1943% | 3,032 |
| Equity capital to assets | 13.1143% | 1,479 |
| Core capital (leverage) ratio | 12.6687% | 1,339 |
| Tier 1 risk-based capital ratio | 22.0398% | 1,198 |
| Total risk-based capital ratio | 23.2977% | 1,181 |
| Memoranda: | ||
| Average total assets | $114,821,000 | 4,745 |
| Average earning assets | $100,649,500 | 4,857 |
| Average equity | $15,602,000 | 3,897 |
| Average total loans | $43,307,500 | 5,969 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8859% | 6,744 |
| Cost of funding earning assets | 0.9149% | 7,374 |
| Net interest margin | 3.9710% | 2,982 |
| Noninterest income to average assets | 0.1340% | 7,086 |
| Noninterest expense to average assets | 2.2910% | 6,773 |
| Loan and lease loss provision to assets | 0.5820% | 3,467 |
| Net operating income to assets | 0.5568% | 3,497 |
| Return on assets (ROA) | 0.6534% | 3,179 |
| Pretax return on assets | 1.0017% | 2,586 |
| Return on Equity (ROE) | 4.5086% | 3,879 |
| Retained earnings to average equity (ytd only) | 4.5086% | 2,100 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4860% | 6,243 |
| Assets per employee ($millions) | 7.2973% | 711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5010% | 1,227 |
| Loan loss allowance to noncurrent loans | 141.1692% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 0.7345% | 5,644 |
| Noncurrent loans to loans | 1.7717% | 3,979 |
| Net loans and leases to total assets | 40.4221% | 7,328 |
| Net loans and leases to deposits | 47.3878% | 7,378 |
| Net loans and leases to core deposits | 60.0540% | 7,263 |
| Total domestic deposits to total assets | 85.3006% | 3,409 |
| Equity capital to assets | 14.1084% | 1,133 |
| Core capital (leverage) ratio | 13.7285% | 1,035 |
| Tier 1 risk-based capital ratio | 21.7487% | 1,180 |
| Total risk-based capital ratio | 23.0130% | 1,157 |
| Memoranda: | ||
| Average total assets | $102,228,000 | 5,033 |
| Average earning assets | $92,470,800 | 5,044 |
| Average equity | $14,816,200 | 4,092 |
| Average total loans | $38,608,200 | 6,172 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8487% | 7,015 |
| Cost of funding earning assets | 0.9692% | 7,451 |
| Net interest margin | 3.8796% | 3,311 |
| Noninterest income to average assets | 0.1368% | 7,197 |
| Noninterest expense to average assets | 2.3049% | 6,692 |
| Loan and lease loss provision to assets | 0.5908% | 3,022 |
| Net operating income to assets | 0.4687% | 4,128 |
| Return on assets (ROA) | 0.5112% | 4,022 |
| Pretax return on assets | 0.8312% | 3,440 |
| Return on Equity (ROE) | 3.5016% | 4,573 |
| Retained earnings to average equity (ytd only) | 3.5016% | 3,331 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9670% | 5,930 |
| Assets per employee ($millions) | 5.9181% | 1,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3889% | 1,185 |
| Loan loss allowance to noncurrent loans | 119.2494% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 0.8210% | 5,449 |
| Noncurrent loans to loans | 2.0032% | 3,637 |
| Net loans and leases to total assets | 40.0052% | 7,467 |
| Net loans and leases to deposits | 47.8090% | 7,503 |
| Net loans and leases to core deposits | 69.0123% | 7,014 |
| Total domestic deposits to total assets | 83.6771% | 3,870 |
| Equity capital to assets | 15.3896% | 908 |
| Core capital (leverage) ratio | 14.2011% | 1,042 |
| Tier 1 risk-based capital ratio | 22.5462% | 1,167 |
| Total risk-based capital ratio | 23.8000% | 1,142 |
| Memoranda: | ||
| Average total assets | $100,420,000 | 5,112 |
| Average earning assets | $91,210,750 | 5,118 |
| Average equity | $14,659,500 | 4,155 |
| Average total loans | $36,915,000 | 6,293 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7240% | 7,357 |
| Cost of funding earning assets | 1.0192% | 7,511 |
| Net interest margin | 3.7048% | 3,931 |
| Noninterest income to average assets | 0.1275% | 7,334 |
| Noninterest expense to average assets | 2.3097% | 6,733 |
| Loan and lease loss provision to assets | 0.5899% | 2,679 |
| Net operating income to assets | 0.3617% | 4,652 |
| Return on assets (ROA) | 0.3846% | 4,668 |
| Pretax return on assets | 0.6397% | 4,199 |
| Return on Equity (ROE) | 2.6834% | 5,022 |
| Retained earnings to average equity (ytd only) | 2.6834% | 3,836 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9272% | 5,559 |
| Assets per employee ($millions) | 6.1851% | 1,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3262% | 1,073 |
| Loan loss allowance to noncurrent loans | 99.7611% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 0.8458% | 5,295 |
| Noncurrent loans to loans | 2.3317% | 3,102 |
| Net loans and leases to total assets | 35.4288% | 7,726 |
| Net loans and leases to deposits | 41.8879% | 7,759 |
| Net loans and leases to core deposits | 64.4018% | 7,284 |
| Total domestic deposits to total assets | 84.5799% | 3,464 |
| Equity capital to assets | 14.8138% | 1,080 |
| Core capital (leverage) ratio | 13.5816% | 1,248 |
| Tier 1 risk-based capital ratio | 23.8893% | 1,047 |
| Total risk-based capital ratio | 25.1417% | 1,026 |
| Memoranda: | ||
| Average total assets | $100,357,670 | 5,154 |
| Average earning assets | $91,448,670 | 5,146 |
| Average equity | $14,385,000 | 4,222 |
| Average total loans | $35,475,670 | 6,439 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5293% | 7,687 |
| Cost of funding earning assets | 1.0538% | 7,593 |
| Net interest margin | 3.4755% | 4,824 |
| Noninterest income to average assets | 0.0910% | 7,599 |
| Noninterest expense to average assets | 2.2285% | 6,771 |
| Loan and lease loss provision to assets | 0.5937% | 2,119 |
| Net operating income to assets | 0.2454% | 5,502 |
| Return on assets (ROA) | 0.2454% | 5,669 |
| Pretax return on assets | 0.4671% | 5,187 |
| Return on Equity (ROE) | 1.7407% | 5,863 |
| Retained earnings to average equity (ytd only) | 1.7407% | 4,883 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7497% | 5,012 |
| Assets per employee ($millions) | 6.5935% | 922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9649% | 1,491 |
| Loan loss allowance to noncurrent loans | 81.5603% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 0.8019% | 5,170 |
| Noncurrent loans to loans | 2.4092% | 2,738 |
| Net loans and leases to total assets | 32.6325% | 7,848 |
| Net loans and leases to deposits | 37.9141% | 7,904 |
| Net loans and leases to core deposits | 59.7663% | 7,468 |
| Total domestic deposits to total assets | 86.0696% | 2,673 |
| Equity capital to assets | 13.4981% | 1,532 |
| Core capital (leverage) ratio | 13.6703% | 1,272 |
| Tier 1 risk-based capital ratio | 23.0579% | 1,190 |
| Total risk-based capital ratio | 24.2408% | 1,166 |
| Memoranda: | ||
| Average total assets | $101,055,500 | 5,148 |
| Average earning assets | $92,994,500 | 5,118 |
| Average equity | $14,247,500 | 4,284 |
| Average total loans | $35,265,500 | 6,475 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3817% | 7,486 |
| Cost of funding earning assets | 1.3782% | 7,762 |
| Net interest margin | 4.0035% | 3,092 |
| Noninterest income to average assets | 0.1354% | 7,424 |
| Noninterest expense to average assets | 2.7497% | 5,044 |
| Loan and lease loss provision to assets | 0.3496% | 3,601 |
| Net operating income to assets | 0.7229% | 3,789 |
| Return on assets (ROA) | 0.7544% | 3,486 |
| Pretax return on assets | 0.7558% | 4,231 |
| Return on Equity (ROE) | 4.2128% | 4,731 |
| Retained earnings to average equity (ytd only) | 4.2128% | 2,498 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9147% | 3,954 |
| Assets per employee ($millions) | 6.0384% | 1,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5248% | 2,567 |
| Loan loss allowance to noncurrent loans | 62.5000% | 4,872 |
| Noncurrent assets plus other real estate owned to assets | 0.8943% | 4,615 |
| Noncurrent loans to loans | 2.4396% | 2,248 |
| Net loans and leases to total assets | 36.0969% | 7,827 |
| Net loans and leases to deposits | 42.6157% | 7,883 |
| Net loans and leases to core deposits | 59.1724% | 7,618 |
| Total domestic deposits to total assets | 84.7032% | 2,975 |
| Equity capital to assets | 14.7544% | 1,229 |
| Core capital (leverage) ratio | 16.6606% | 737 |
| Tier 1 risk-based capital ratio | 26.8637% | 838 |
| Total risk-based capital ratio | 27.9549% | 828 |
| Memoranda: | ||
| Average total assets | $76,082,200 | 5,831 |
| Average earning assets | $70,089,000 | 5,817 |
| Average equity | $13,625,200 | 4,417 |
| Average total loans | $27,802,200 | 6,855 |