Home > Bankers' Bank of the West > Performance and Condition Ratios
Bankers' Bank of the West, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8298% | 1,432 |
| Cost of funding earning assets | 2.3692% | 1,091 |
| Net interest margin | 3.4606% | 2,412 |
| Noninterest income to average assets | 2.7000% | 203 |
| Noninterest expense to average assets | 5.1614% | 221 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.5014% | 3,566 |
| Return on assets (ROA) | 2.3457% | 267 |
| Pretax return on assets | 3.0808% | 171 |
| Return on Equity (ROE) | 18.6000% | 584 |
| Retained earnings to average equity (ytd only) | 4.5825% | 2,688 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 87.3681% | 596 |
| Assets per employee ($millions) | 8.0805% | 1,517 |
| Cash dividends to net income (ytd only)* | 75.3669% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7542% | 582 |
| Loan loss allowance to noncurrent loans | 381.2000% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.3503% | 1,918 |
| Noncurrent loans to loans | 0.4602% | 1,976 |
| Net loans and leases to total assets | 74.7800% | 1,240 |
| Net loans and leases to deposits | 115.5405% | 98 |
| Net loans and leases to core deposits | 164.2914% | 101 |
| Total domestic deposits to total assets | 64.7200% | 4,275 |
| Equity capital to assets | 12.7529% | 985 |
| Core capital (leverage) ratio | 14.1456% | 764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8061% | 1,587 |
| Memoranda: | ||
| Average total assets | $429,884,000 | 1,983 |
| Average earning assets | $398,778,500 | 1,983 |
| Average equity | $54,206,500 | 1,670 |
| Average total loans | $320,846,000 | 1,797 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3047% | 909 |
| Cost of funding earning assets | 2.8552% | 637 |
| Net interest margin | 3.4495% | 2,171 |
| Noninterest income to average assets | 3.2000% | 180 |
| Noninterest expense to average assets | 5.4703% | 200 |
| Loan and lease loss provision to assets | 0.0200% | 2,766 |
| Net operating income to assets | 0.6697% | 3,050 |
| Return on assets (ROA) | 1.1641% | 1,592 |
| Pretax return on assets | 1.5216% | 1,236 |
| Return on Equity (ROE) | 8.9800% | 2,469 |
| Retained earnings to average equity (ytd only) | 0.9871% | 3,679 |
| Net charge-offs to loans | -0.0013% | 3,754 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 85.6156% | 700 |
| Assets per employee ($millions) | 8.1416% | 1,454 |
| Cash dividends to net income (ytd only)* | 89.0126% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8110% | 522 |
| Loan loss allowance to noncurrent loans | 112.7144% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 1.1757% | 548 |
| Noncurrent loans to loans | 1.6067% | 569 |
| Net loans and leases to total assets | 71.8500% | 1,686 |
| Net loans and leases to deposits | 106.1790% | 249 |
| Net loans and leases to core deposits | 160.4389% | 126 |
| Total domestic deposits to total assets | 67.6600% | 4,258 |
| Equity capital to assets | 12.4673% | 1,033 |
| Core capital (leverage) ratio | 13.7535% | 845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8149% | 1,565 |
| Memoranda: | ||
| Average total assets | $416,722,000 | 1,992 |
| Average earning assets | $385,825,600 | 1,996 |
| Average equity | $53,996,400 | 1,633 |
| Average total loans | $315,214,800 | 1,801 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3574% | 827 |
| Cost of funding earning assets | 2.8884% | 605 |
| Net interest margin | 3.4690% | 2,101 |
| Noninterest income to average assets | 3.2800% | 173 |
| Noninterest expense to average assets | 5.4558% | 193 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.7675% | 2,785 |
| Return on assets (ROA) | 1.4326% | 1,038 |
| Pretax return on assets | 1.8768% | 778 |
| Return on Equity (ROE) | 10.9500% | 1,910 |
| Retained earnings to average equity (ytd only) | 3.1774% | 3,112 |
| Net charge-offs to loans | -0.0017% | 3,672 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 84.0553% | 816 |
| Assets per employee ($millions) | 7.6369% | 1,729 |
| Cash dividends to net income (ytd only)* | 70.9779% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7425% | 604 |
| Loan loss allowance to noncurrent loans | 374.7333% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.3706% | 1,760 |
| Noncurrent loans to loans | 0.4650% | 1,919 |
| Net loans and leases to total assets | 78.3100% | 847 |
| Net loans and leases to deposits | 139.1626% | 28 |
| Net loans and leases to core deposits | 213.3900% | 36 |
| Total domestic deposits to total assets | 56.2700% | 4,377 |
| Equity capital to assets | 13.5190% | 832 |
| Core capital (leverage) ratio | 13.7459% | 873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9208% | 1,555 |
| Memoranda: | ||
| Average total assets | $413,026,500 | 1,997 |
| Average earning assets | $382,157,250 | 2,009 |
| Average equity | $54,046,250 | 1,622 |
| Average total loans | $315,085,000 | 1,796 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1929% | 925 |
| Cost of funding earning assets | 2.7041% | 759 |
| Net interest margin | 3.4888% | 1,987 |
| Noninterest income to average assets | 3.2300% | 177 |
| Noninterest expense to average assets | 5.2869% | 211 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.8562% | 2,434 |
| Return on assets (ROA) | 1.8462% | 553 |
| Pretax return on assets | 2.4239% | 361 |
| Return on Equity (ROE) | 14.2600% | 1,116 |
| Retained earnings to average equity (ytd only) | 6.1796% | 1,948 |
| Net charge-offs to loans | -0.0019% | 3,628 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 81.8696% | 996 |
| Assets per employee ($millions) | 7.8420% | 1,543 |
| Cash dividends to net income (ytd only)* | 56.6701% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7512% | 600 |
| Loan loss allowance to noncurrent loans | 374.6667% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.3609% | 1,723 |
| Noncurrent loans to loans | 0.4674% | 1,832 |
| Net loans and leases to total assets | 75.8600% | 1,189 |
| Net loans and leases to deposits | 136.2058% | 41 |
| Net loans and leases to core deposits | 185.2831% | 62 |
| Total domestic deposits to total assets | 55.7000% | 4,393 |
| Equity capital to assets | 13.1323% | 841 |
| Core capital (leverage) ratio | 13.9582% | 827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0691% | 1,500 |
| Memoranda: | ||
| Average total assets | $415,783,333 | 1,993 |
| Average earning assets | $384,893,333 | 1,997 |
| Average equity | $53,822,000 | 1,603 |
| Average total loans | $312,586,000 | 1,804 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1460% | 895 |
| Cost of funding earning assets | 2.5513% | 903 |
| Net interest margin | 3.5947% | 1,745 |
| Noninterest income to average assets | 3.2500% | 163 |
| Noninterest expense to average assets | 5.0507% | 222 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.1687% | 1,514 |
| Return on assets (ROA) | 1.1687% | 1,523 |
| Pretax return on assets | 1.5245% | 1,212 |
| Return on Equity (ROE) | 9.0900% | 2,366 |
| Retained earnings to average equity (ytd only) | 9.0939% | 1,301 |
| Net charge-offs to loans | -0.0013% | 3,465 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 76.8139% | 1,471 |
| Assets per employee ($millions) | 8.3042% | 1,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7814% | 568 |
| 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 | 69.0700% | 1,904 |
| Net loans and leases to deposits | 94.0097% | 868 |
| Net loans and leases to core deposits | 119.0066% | 654 |
| Total domestic deposits to total assets | 73.4800% | 4,164 |
| Equity capital to assets | 12.0662% | 1,105 |
| Core capital (leverage) ratio | 14.0532% | 773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3523% | 1,442 |
| Memoranda: | ||
| Average total assets | $415,863,000 | 1,999 |
| Average earning assets | $384,903,500 | 2,002 |
| Average equity | $53,442,500 | 1,600 |
| Average total loans | $308,419,000 | 1,813 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1627% | 521 |
| Cost of funding earning assets | 2.8000% | 211 |
| Net interest margin | 3.3628% | 2,485 |
| Noninterest income to average assets | 3.1100% | 176 |
| Noninterest expense to average assets | 5.4397% | 198 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5968% | 3,450 |
| Return on assets (ROA) | 0.5968% | 3,443 |
| Pretax return on assets | 0.7758% | 3,269 |
| Return on Equity (ROE) | 4.6300% | 3,790 |
| Retained earnings to average equity (ytd only) | -0.5097% | 4,142 |
| Net charge-offs to loans | -0.0052% | 3,840 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 87.5186% | 498 |
| Assets per employee ($millions) | 7.0982% | 2,015 |
| Cash dividends to net income (ytd only)* | 110.9980% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8632% | 476 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 77.1900% | 954 |
| Net loans and leases to deposits | 114.0729% | 136 |
| Net loans and leases to core deposits | 156.3765% | 175 |
| Total domestic deposits to total assets | 67.6600% | 4,349 |
| Equity capital to assets | 13.7691% | 715 |
| Core capital (leverage) ratio | 13.6602% | 873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6729% | 1,355 |
| Memoranda: | ||
| Average total assets | $411,327,000 | 1,979 |
| Average earning assets | $380,220,000 | 1,977 |
| Average equity | $52,971,000 | 1,531 |
| Average total loans | $306,296,000 | 1,767 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0381% | 508 |
| Cost of funding earning assets | 2.7141% | 188 |
| Net interest margin | 3.3240% | 2,630 |
| Noninterest income to average assets | 3.0700% | 193 |
| Noninterest expense to average assets | 5.3409% | 207 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6159% | 3,502 |
| Return on assets (ROA) | 0.6159% | 3,498 |
| Pretax return on assets | 0.8027% | 3,328 |
| Return on Equity (ROE) | 4.8600% | 3,832 |
| Retained earnings to average equity (ytd only) | 0.9606% | 3,962 |
| Net charge-offs to loans | -0.0065% | 3,815 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 86.9337% | 479 |
| Assets per employee ($millions) | 7.5651% | 1,591 |
| Cash dividends to net income (ytd only)* | 80.2277% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8191% | 550 |
| 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 | 73.4600% | 1,410 |
| Net loans and leases to deposits | 118.8294% | 89 |
| Net loans and leases to core deposits | 166.5717% | 83 |
| Total domestic deposits to total assets | 61.8200% | 4,446 |
| Equity capital to assets | 12.5734% | 901 |
| Core capital (leverage) ratio | 13.3967% | 974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0511% | 1,547 |
| Memoranda: | ||
| Average total assets | $418,221,000 | 1,960 |
| Average earning assets | $386,911,500 | 1,960 |
| Average equity | $53,019,500 | 1,527 |
| Average total loans | $307,502,000 | 1,764 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9314% | 480 |
| Cost of funding earning assets | 2.5275% | 185 |
| Net interest margin | 3.4039% | 2,502 |
| Noninterest income to average assets | 2.8900% | 180 |
| Noninterest expense to average assets | 5.2314% | 207 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6268% | 3,513 |
| Return on assets (ROA) | 0.6268% | 3,522 |
| Pretax return on assets | 0.8199% | 3,357 |
| Return on Equity (ROE) | 4.9300% | 3,884 |
| Retained earnings to average equity (ytd only) | -0.1700% | 4,124 |
| Net charge-offs to loans | -0.0092% | 3,889 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 86.4513% | 478 |
| Assets per employee ($millions) | 7.1751% | 1,803 |
| Cash dividends to net income (ytd only)* | 103.4483% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8743% | 521 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 75.1200% | 1,148 |
| Net loans and leases to deposits | 127.8520% | 61 |
| Net loans and leases to core deposits | 183.5857% | 55 |
| Total domestic deposits to total assets | 58.7500% | 4,492 |
| Equity capital to assets | 13.1850% | 776 |
| Core capital (leverage) ratio | 13.3794% | 910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5374% | 1,418 |
| Memoranda: | ||
| Average total assets | $416,412,333 | 1,964 |
| Average earning assets | $386,385,000 | 1,958 |
| Average equity | $52,937,000 | 1,527 |
| Average total loans | $304,345,333 | 1,761 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7165% | 458 |
| Cost of funding earning assets | 2.2202% | 187 |
| Net interest margin | 3.4964% | 2,376 |
| Noninterest income to average assets | 2.6300% | 181 |
| Noninterest expense to average assets | 4.8787% | 233 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7656% | 3,309 |
| Return on assets (ROA) | 0.7656% | 3,259 |
| Pretax return on assets | 1.0026% | 2,984 |
| Return on Equity (ROE) | 6.1300% | 3,688 |
| Retained earnings to average equity (ytd only) | -2.3736% | 4,223 |
| Net charge-offs to loans | -0.0172% | 4,049 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 82.9535% | 647 |
| Assets per employee ($millions) | 7.9017% | 1,399 |
| Cash dividends to net income (ytd only)* | 138.7176% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8972% | 535 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 69.8400% | 1,642 |
| Net loans and leases to deposits | 129.2572% | 47 |
| Net loans and leases to core deposits | 173.8762% | 64 |
| Total domestic deposits to total assets | 54.0300% | 4,565 |
| Equity capital to assets | 12.3341% | 909 |
| Core capital (leverage) ratio | 13.1907% | 915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3411% | 1,538 |
| Memoranda: | ||
| Average total assets | $423,715,500 | 1,965 |
| Average earning assets | $393,664,500 | 1,955 |
| Average equity | $52,916,500 | 1,537 |
| Average total loans | $302,723,500 | 1,781 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2535% | 1,152 |
| Cost of funding earning assets | 0.8792% | 276 |
| Net interest margin | 3.3743% | 2,335 |
| Noninterest income to average assets | 3.3900% | 164 |
| Noninterest expense to average assets | 5.0557% | 212 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 1.0134% | 2,516 |
| Return on assets (ROA) | 1.0134% | 2,464 |
| Pretax return on assets | 1.3339% | 1,984 |
| Return on Equity (ROE) | 8.0500% | 3,379 |
| Retained earnings to average equity (ytd only) | 1.3708% | 4,127 |
| Net charge-offs to loans | 0.0474% | 1,213 |
| Credit loss provision to net charge-offs | 434.3284% | 740 |
| Earnings coverage of net charge-offs (x) | 46.8657% | 1,400 |
| Efficiency ratio | 77.4717% | 890 |
| Assets per employee ($millions) | 7.7914% | 1,441 |
| Cash dividends to net income (ytd only)* | 82.9753% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8483% | 600 |
| 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 | 70.3800% | 1,602 |
| Net loans and leases to deposits | 112.3317% | 127 |
| Net loans and leases to core deposits | 142.3205% | 130 |
| Total domestic deposits to total assets | 62.6500% | 4,558 |
| Equity capital to assets | 12.6454% | 774 |
| Core capital (leverage) ratio | 12.8061% | 999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1286% | 1,596 |
| Memoranda: | ||
| Average total assets | $427,157,200 | 1,929 |
| Average earning assets | $397,296,000 | 1,928 |
| Average equity | $53,764,600 | 1,529 |
| Average total loans | $282,598,000 | 1,801 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8192% | 1,692 |
| Cost of funding earning assets | 0.5351% | 620 |
| Net interest margin | 3.2841% | 2,339 |
| Noninterest income to average assets | 3.6400% | 161 |
| Noninterest expense to average assets | 5.0109% | 217 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.2386% | 1,556 |
| Return on assets (ROA) | 1.2386% | 1,533 |
| Pretax return on assets | 1.6332% | 1,043 |
| Return on Equity (ROE) | 9.8500% | 2,776 |
| Retained earnings to average equity (ytd only) | 1.6473% | 4,099 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.8583% | 1,189 |
| Assets per employee ($millions) | 8.2168% | 1,211 |
| Cash dividends to net income (ytd only)* | 83.2789% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7978% | 730 |
| Loan loss allowance to noncurrent loans | 3,917.0370% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.0304% | 3,618 |
| Noncurrent loans to loans | 0.0459% | 3,556 |
| Net loans and leases to total assets | 65.1000% | 1,975 |
| Net loans and leases to deposits | 125.4551% | 37 |
| Net loans and leases to core deposits | 146.4833% | 76 |
| Total domestic deposits to total assets | 51.8900% | 4,648 |
| Equity capital to assets | 12.0424% | 878 |
| Core capital (leverage) ratio | 13.4146% | 800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4156% | 1,598 |
| Memoranda: | ||
| Average total assets | $428,762,250 | 1,937 |
| Average earning assets | $398,926,500 | 1,932 |
| Average equity | $53,904,750 | 1,537 |
| Average total loans | $277,825,500 | 1,819 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6135% | 1,800 |
| Cost of funding earning assets | 0.3021% | 1,694 |
| Net interest margin | 3.3114% | 1,874 |
| Noninterest income to average assets | 3.6896% | 128 |
| Noninterest expense to average assets | 4.9294% | 173 |
| Loan and lease loss provision to assets | 0.0283% | 2,079 |
| Net operating income to assets | 1.3715% | 975 |
| Return on assets (ROA) | 1.3715% | 955 |
| Pretax return on assets | 1.8099% | 583 |
| Return on Equity (ROE) | 10.7506% | 2,071 |
| Retained earnings to average equity (ytd only) | 2.7524% | 3,529 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8382% | 1,647 |
| Assets per employee ($millions) | 7.2666% | 1,756 |
| Cash dividends to net income (ytd only)* | 74.3978% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7731% | 845 |
| Loan loss allowance to noncurrent loans | 3,814.7059% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.0340% | 3,643 |
| Noncurrent loans to loans | 0.0465% | 3,599 |
| Net loans and leases to total assets | 71.9112% | 1,110 |
| Net loans and leases to deposits | 121.0092% | 42 |
| Net loans and leases to core deposits | 137.9866% | 85 |
| Total domestic deposits to total assets | 59.4263% | 4,691 |
| Equity capital to assets | 13.4748% | 586 |
| Core capital (leverage) ratio | 12.9382% | 833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7021% | 1,509 |
| Memoranda: | ||
| Average total assets | $423,780,667 | 1,965 |
| Average earning assets | $393,914,667 | 1,965 |
| Average equity | $54,062,000 | 1,580 |
| Average total loans | $272,388,333 | 1,843 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1709% | 2,773 |
| Cost of funding earning assets | 0.1860% | 3,001 |
| Net interest margin | 2.9849% | 2,548 |
| Noninterest income to average assets | 3.2507% | 146 |
| Noninterest expense to average assets | 4.5164% | 204 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1527% | 1,370 |
| Return on assets (ROA) | 1.1527% | 1,370 |
| Pretax return on assets | 1.5180% | 982 |
| Return on Equity (ROE) | 9.2752% | 2,222 |
| Retained earnings to average equity (ytd only) | 0.3249% | 3,951 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8441% | 1,647 |
| Assets per employee ($millions) | 8.5939% | 1,063 |
| Cash dividends to net income (ytd only)* | 96.4968% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8961% | 746 |
| Loan loss allowance to noncurrent loans | 2,897.1751% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.0389% | 3,645 |
| Noncurrent loans to loans | 0.0654% | 3,522 |
| Net loans and leases to total assets | 58.2508% | 2,272 |
| Net loans and leases to deposits | 88.0598% | 615 |
| Net loans and leases to core deposits | 93.3985% | 756 |
| Total domestic deposits to total assets | 66.1491% | 4,692 |
| Equity capital to assets | 11.8138% | 1,017 |
| Core capital (leverage) ratio | 11.3169% | 1,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9533% | 1,273 |
| Memoranda: | ||
| Average total assets | $435,838,500 | 1,927 |
| Average earning assets | $406,444,500 | 1,931 |
| Average equity | $54,166,000 | 1,622 |
| Average total loans | $262,286,500 | 1,871 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9283% | 4,008 |
| Cost of funding earning assets | 0.2744% | 2,661 |
| Net interest margin | 2.6540% | 3,955 |
| Noninterest income to average assets | 2.9278% | 189 |
| Noninterest expense to average assets | 4.3604% | 228 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8161% | 3,281 |
| Return on assets (ROA) | 0.8161% | 3,353 |
| Pretax return on assets | 1.0643% | 3,091 |
| Return on Equity (ROE) | 7.0596% | 3,501 |
| Retained earnings to average equity (ytd only) | 2.1292% | 3,951 |
| Net charge-offs to loans | 0.0061% | 2,359 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 330.6667% | 377 |
| Efficiency ratio | 80.3797% | 783 |
| Assets per employee ($millions) | 8.0038% | 1,331 |
| Cash dividends to net income (ytd only)* | 69.8396% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0179% | 588 |
| Loan loss allowance to noncurrent loans | 2,670.8333% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.0461% | 3,673 |
| Noncurrent loans to loans | 0.0756% | 3,554 |
| Net loans and leases to total assets | 59.8265% | 2,178 |
| Net loans and leases to deposits | 96.1427% | 309 |
| Net loans and leases to core deposits | 102.9913% | 436 |
| Total domestic deposits to total assets | 62.2268% | 4,760 |
| Equity capital to assets | 13.1002% | 871 |
| Core capital (leverage) ratio | 11.3332% | 1,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5365% | 1,155 |
| Memoranda: | ||
| Average total assets | $466,013,000 | 1,787 |
| Average earning assets | $438,440,800 | 1,775 |
| Average equity | $53,870,200 | 1,657 |
| Average total loans | $244,900,200 | 1,962 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8026% | 4,297 |
| Cost of funding earning assets | 0.2878% | 2,713 |
| Net interest margin | 2.5148% | 4,249 |
| Noninterest income to average assets | 2.8730% | 207 |
| Noninterest expense to average assets | 4.2457% | 245 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7694% | 3,597 |
| Return on assets (ROA) | 0.7694% | 3,662 |
| Pretax return on assets | 0.9990% | 3,456 |
| Return on Equity (ROE) | 6.8543% | 3,707 |
| Retained earnings to average equity (ytd only) | 0.5337% | 4,490 |
| Net charge-offs to loans | 0.0082% | 2,008 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 239.0000% | 498 |
| Efficiency ratio | 80.9521% | 700 |
| Assets per employee ($millions) | 7.9994% | 1,268 |
| Cash dividends to net income (ytd only)* | 92.2130% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1396% | 500 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 56.3843% | 2,687 |
| Net loans and leases to deposits | 86.2365% | 814 |
| Net loans and leases to core deposits | 93.9385% | 825 |
| Total domestic deposits to total assets | 65.3833% | 4,798 |
| Equity capital to assets | 12.9289% | 1,000 |
| Core capital (leverage) ratio | 11.5954% | 1,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8909% | 980 |
| Memoranda: | ||
| Average total assets | $478,466,250 | 1,766 |
| Average earning assets | $451,242,000 | 1,757 |
| Average equity | $53,707,000 | 1,678 |
| Average total loans | $242,593,750 | 2,007 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7001% | 4,453 |
| Cost of funding earning assets | 0.3016% | 2,764 |
| Net interest margin | 2.3985% | 4,424 |
| Noninterest income to average assets | 2.6301% | 228 |
| Noninterest expense to average assets | 3.9563% | 299 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7306% | 3,683 |
| Return on assets (ROA) | 0.7306% | 3,751 |
| Pretax return on assets | 0.9421% | 3,565 |
| Return on Equity (ROE) | 6.7955% | 3,705 |
| Retained earnings to average equity (ytd only) | 2.1534% | 4,081 |
| Net charge-offs to loans | -0.0016% | 3,154 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7670% | 741 |
| Assets per employee ($millions) | 8.7210% | 944 |
| Cash dividends to net income (ytd only)* | 68.3114% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2087% | 420 |
| Loan loss allowance to noncurrent loans | 1,830.9609% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.0620% | 3,816 |
| Noncurrent loans to loans | 0.1206% | 3,587 |
| Net loans and leases to total assets | 50.2321% | 3,539 |
| Net loans and leases to deposits | 76.4162% | 1,779 |
| Net loans and leases to core deposits | 82.5945% | 1,671 |
| Total domestic deposits to total assets | 65.7349% | 4,825 |
| Equity capital to assets | 11.9415% | 1,393 |
| Core capital (leverage) ratio | 9.7678% | 2,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7059% | 858 |
| Memoranda: | ||
| Average total assets | $499,299,333 | 1,717 |
| Average earning assets | $472,211,667 | 1,694 |
| Average equity | $53,682,667 | 1,673 |
| Average total loans | $243,569,000 | 2,006 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4964% | 4,644 |
| Cost of funding earning assets | 0.3327% | 2,684 |
| Net interest margin | 2.1637% | 4,643 |
| Noninterest income to average assets | 2.3815% | 285 |
| Noninterest expense to average assets | 3.6346% | 401 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6365% | 3,846 |
| Return on assets (ROA) | 0.6365% | 3,912 |
| Pretax return on assets | 0.7989% | 3,814 |
| Return on Equity (ROE) | 6.2192% | 3,798 |
| Retained earnings to average equity (ytd only) | -2.1629% | 4,548 |
| Net charge-offs to loans | -0.0016% | 3,094 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9800% | 701 |
| Assets per employee ($millions) | 10.3183% | 540 |
| Cash dividends to net income (ytd only)* | 134.7774% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1032% | 498 |
| Loan loss allowance to noncurrent loans | 1,773.7931% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.0530% | 3,997 |
| Noncurrent loans to loans | 0.1186% | 3,722 |
| Net loans and leases to total assets | 43.7821% | 4,126 |
| Net loans and leases to deposits | 62.1211% | 3,310 |
| Net loans and leases to core deposits | 66.6658% | 3,187 |
| Total domestic deposits to total assets | 70.4787% | 4,759 |
| Equity capital to assets | 9.7416% | 2,955 |
| Core capital (leverage) ratio | 9.4349% | 3,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7140% | 965 |
| Memoranda: | ||
| Average total assets | $522,202,500 | 1,629 |
| Average earning assets | $495,271,500 | 1,604 |
| Average equity | $53,447,000 | 1,671 |
| Average total loans | $248,881,500 | 1,970 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3551% | 4,261 |
| Cost of funding earning assets | 0.6932% | 1,750 |
| Net interest margin | 2.6619% | 4,431 |
| Noninterest income to average assets | 3.0628% | 184 |
| Noninterest expense to average assets | 4.4395% | 263 |
| Loan and lease loss provision to assets | 0.1125% | 2,943 |
| Net operating income to assets | 0.7246% | 3,351 |
| Return on assets (ROA) | 1.2251% | 1,578 |
| Pretax return on assets | 1.6170% | 1,041 |
| Return on Equity (ROE) | 10.5786% | 1,783 |
| Retained earnings to average equity (ytd only) | 6.7124% | 1,505 |
| Net charge-offs to loans | -0.0095% | 4,252 |
| Credit loss provision to net charge-offs | -2,083.3333% | 4,197 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2016% | 877 |
| Assets per employee ($millions) | 9.3875% | 651 |
| Cash dividends to net income (ytd only)* | 36.5473% | 2,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0313% | 549 |
| Loan loss allowance to noncurrent loans | 1,563.2219% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.0661% | 4,012 |
| Noncurrent loans to loans | 0.1299% | 3,761 |
| Net loans and leases to total assets | 49.8547% | 3,843 |
| Net loans and leases to deposits | 70.8791% | 2,785 |
| Net loans and leases to core deposits | 76.6328% | 2,664 |
| Total domestic deposits to total assets | 70.3376% | 4,770 |
| Equity capital to assets | 10.7771% | 2,453 |
| Core capital (leverage) ratio | 10.3210% | 2,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5128% | 973 |
| Memoranda: | ||
| Average total assets | $444,459,600 | 1,722 |
| Average earning assets | $412,866,400 | 1,725 |
| Average equity | $51,471,600 | 1,649 |
| Average total loans | $253,788,000 | 1,904 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5457% | 4,129 |
| Cost of funding earning assets | 0.7840% | 1,571 |
| Net interest margin | 2.7617% | 4,386 |
| Noninterest income to average assets | 3.0479% | 179 |
| Noninterest expense to average assets | 4.5182% | 250 |
| Loan and lease loss provision to assets | 0.1547% | 2,465 |
| Net operating income to assets | 0.6736% | 3,552 |
| Return on assets (ROA) | 1.3615% | 1,297 |
| Pretax return on assets | 1.7978% | 781 |
| Return on Equity (ROE) | 11.5256% | 1,504 |
| Retained earnings to average equity (ytd only) | 6.8400% | 1,766 |
| Net charge-offs to loans | -0.0121% | 4,272 |
| Credit loss provision to net charge-offs | -2,173.9130% | 4,095 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6847% | 824 |
| Assets per employee ($millions) | 8.2629% | 916 |
| Cash dividends to net income (ytd only)* | 40.6541% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0019% | 494 |
| Loan loss allowance to noncurrent loans | 1,516.8142% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.0746% | 4,061 |
| Noncurrent loans to loans | 0.1320% | 3,852 |
| Net loans and leases to total assets | 55.3883% | 3,673 |
| Net loans and leases to deposits | 79.6285% | 2,355 |
| Net loans and leases to core deposits | 87.7383% | 2,173 |
| Total domestic deposits to total assets | 69.5584% | 4,773 |
| Equity capital to assets | 11.6185% | 1,925 |
| Core capital (leverage) ratio | 11.0362% | 1,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6734% | 1,104 |
| Memoranda: | ||
| Average total assets | $431,190,500 | 1,739 |
| Average earning assets | $398,444,750 | 1,752 |
| Average equity | $50,934,500 | 1,657 |
| Average total loans | $253,938,000 | 1,898 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7689% | 3,950 |
| Cost of funding earning assets | 0.8824% | 1,452 |
| Net interest margin | 2.8865% | 4,331 |
| Noninterest income to average assets | 2.7796% | 184 |
| Noninterest expense to average assets | 4.4120% | 277 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7653% | 3,175 |
| Return on assets (ROA) | 0.9508% | 2,622 |
| Pretax return on assets | 1.2521% | 2,176 |
| Return on Equity (ROE) | 8.0020% | 2,748 |
| Retained earnings to average equity (ytd only) | 2.6355% | 3,537 |
| Net charge-offs to loans | -0.0040% | 3,944 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2614% | 797 |
| Assets per employee ($millions) | 8.5240% | 801 |
| Cash dividends to net income (ytd only)* | 67.0641% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7903% | 668 |
| Loan loss allowance to noncurrent loans | 1,324.9284% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.0758% | 4,144 |
| Noncurrent loans to loans | 0.1351% | 3,916 |
| Net loans and leases to total assets | 55.1076% | 3,769 |
| Net loans and leases to deposits | 70.0576% | 3,414 |
| Net loans and leases to core deposits | 77.3901% | 3,162 |
| Total domestic deposits to total assets | 78.6604% | 4,084 |
| Equity capital to assets | 11.0416% | 2,306 |
| Core capital (leverage) ratio | 10.4827% | 2,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3248% | 1,409 |
| Memoranda: | ||
| Average total assets | $423,435,000 | 1,732 |
| Average earning assets | $388,711,667 | 1,758 |
| Average equity | $50,312,333 | 1,665 |
| Average total loans | $252,964,667 | 1,882 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1952% | 3,226 |
| Cost of funding earning assets | 1.0751% | 1,118 |
| Net interest margin | 3.1201% | 4,051 |
| Noninterest income to average assets | 2.8533% | 165 |
| Noninterest expense to average assets | 4.6627% | 266 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7895% | 2,939 |
| Return on assets (ROA) | 0.8020% | 2,990 |
| Pretax return on assets | 1.0528% | 2,659 |
| Return on Equity (ROE) | 6.4887% | 3,135 |
| Retained earnings to average equity (ytd only) | -4.2991% | 4,462 |
| Net charge-offs to loans | -0.0048% | 3,859 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8056% | 988 |
| Assets per employee ($millions) | 7.6801% | 837 |
| Cash dividends to net income (ytd only)* | 166.2562% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8496% | 662 |
| Loan loss allowance to noncurrent loans | 1,313.0682% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.0865% | 4,174 |
| Noncurrent loans to loans | 0.1409% | 3,961 |
| Net loans and leases to total assets | 60.2574% | 3,472 |
| Net loans and leases to deposits | 82.0008% | 2,454 |
| Net loans and leases to core deposits | 94.0443% | 1,972 |
| Total domestic deposits to total assets | 73.4839% | 4,689 |
| Equity capital to assets | 12.2544% | 1,883 |
| Core capital (leverage) ratio | 11.6427% | 1,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6934% | 1,421 |
| Memoranda: | ||
| Average total assets | $405,005,500 | 1,749 |
| Average earning assets | $369,470,500 | 1,781 |
| Average equity | $50,056,500 | 1,662 |
| Average total loans | $250,306,500 | 1,853 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6987% | 2,331 |
| Cost of funding earning assets | 1.2225% | 968 |
| Net interest margin | 3.4762% | 3,518 |
| Noninterest income to average assets | 3.1943% | 137 |
| Noninterest expense to average assets | 4.9279% | 224 |
| Loan and lease loss provision to assets | 0.0200% | 3,620 |
| Net operating income to assets | 1.0791% | 2,525 |
| Return on assets (ROA) | 1.0859% | 2,594 |
| Pretax return on assets | 1.4214% | 2,080 |
| Return on Equity (ROE) | 8.3985% | 2,991 |
| Retained earnings to average equity (ytd only) | 1.1602% | 4,331 |
| Net charge-offs to loans | -0.0061% | 4,371 |
| Credit loss provision to net charge-offs | -513.3333% | 4,434 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4736% | 1,210 |
| Assets per employee ($millions) | 7.6031% | 829 |
| Cash dividends to net income (ytd only)* | 86.1855% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8423% | 612 |
| Loan loss allowance to noncurrent loans | 1,290.2235% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.0888% | 4,194 |
| Noncurrent loans to loans | 0.1428% | 3,960 |
| Net loans and leases to total assets | 61.0715% | 3,493 |
| Net loans and leases to deposits | 89.1662% | 1,680 |
| Net loans and leases to core deposits | 104.3248% | 1,209 |
| Total domestic deposits to total assets | 68.4917% | 4,982 |
| Equity capital to assets | 12.4656% | 1,840 |
| Core capital (leverage) ratio | 13.0856% | 1,201 |
| Tier 1 risk-based capital ratio | 16.6598% | 2,164 |
| Total risk-based capital ratio | 17.9135% | 2,100 |
| Memoranda: | ||
| Average total assets | $385,313,400 | 1,782 |
| Average earning assets | $350,989,400 | 1,812 |
| Average equity | $49,818,200 | 1,611 |
| Average total loans | $244,718,800 | 1,858 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7577% | 2,252 |
| Cost of funding earning assets | 1.2280% | 954 |
| Net interest margin | 3.5297% | 3,476 |
| Noninterest income to average assets | 3.2162% | 145 |
| Noninterest expense to average assets | 4.9334% | 221 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1492% | 2,373 |
| Return on assets (ROA) | 1.1492% | 2,462 |
| Pretax return on assets | 1.5024% | 1,947 |
| Return on Equity (ROE) | 8.8047% | 2,954 |
| Retained earnings to average equity (ytd only) | -0.4237% | 4,803 |
| Net charge-offs to loans | -0.0060% | 4,250 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6562% | 1,248 |
| Assets per employee ($millions) | 7.3636% | 895 |
| Cash dividends to net income (ytd only)* | 104.8129% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8683% | 579 |
| Loan loss allowance to noncurrent loans | 1,223.1806% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.0969% | 4,223 |
| Noncurrent loans to loans | 0.1527% | 3,993 |
| Net loans and leases to total assets | 62.2482% | 3,472 |
| Net loans and leases to deposits | 92.8668% | 1,332 |
| Net loans and leases to core deposits | 118.8266% | 567 |
| Total domestic deposits to total assets | 67.0295% | 5,080 |
| Equity capital to assets | 12.9862% | 1,638 |
| Core capital (leverage) ratio | 13.5489% | 1,114 |
| Tier 1 risk-based capital ratio | 17.1045% | 2,048 |
| Total risk-based capital ratio | 18.3587% | 2,001 |
| Memoranda: | ||
| Average total assets | $380,900,750 | 1,814 |
| Average earning assets | $347,444,500 | 1,839 |
| Average equity | $49,714,750 | 1,611 |
| Average total loans | $243,219,750 | 1,872 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7959% | 2,069 |
| Cost of funding earning assets | 1.2127% | 956 |
| Net interest margin | 3.5833% | 3,320 |
| Noninterest income to average assets | 2.9819% | 156 |
| Noninterest expense to average assets | 4.7361% | 257 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1624% | 2,285 |
| Return on assets (ROA) | 1.1624% | 2,360 |
| Pretax return on assets | 1.5112% | 1,821 |
| Return on Equity (ROE) | 8.8913% | 2,898 |
| Retained earnings to average equity (ytd only) | 3.4479% | 3,513 |
| Net charge-offs to loans | -0.0066% | 4,199 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8104% | 1,417 |
| Assets per employee ($millions) | 7.4941% | 814 |
| Cash dividends to net income (ytd only)* | 61.2217% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9344% | 533 |
| Loan loss allowance to noncurrent loans | 1,142.3174% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.1081% | 4,218 |
| Noncurrent loans to loans | 0.1693% | 3,943 |
| Net loans and leases to total assets | 62.6091% | 3,484 |
| Net loans and leases to deposits | 87.1540% | 2,112 |
| Net loans and leases to core deposits | 101.2391% | 1,616 |
| Total domestic deposits to total assets | 71.8374% | 4,984 |
| Equity capital to assets | 13.7423% | 1,224 |
| Core capital (leverage) ratio | 13.6091% | 1,075 |
| Tier 1 risk-based capital ratio | 18.0643% | 1,792 |
| Total risk-based capital ratio | 19.3191% | 1,743 |
| Memoranda: | ||
| Average total assets | $380,232,330 | 1,825 |
| Average earning assets | $346,501,000 | 1,849 |
| Average equity | $49,711,330 | 1,599 |
| Average total loans | $243,329,670 | 1,879 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7094% | 2,193 |
| Cost of funding earning assets | 1.1833% | 947 |
| Net interest margin | 3.5261% | 3,513 |
| Noninterest income to average assets | 2.8298% | 161 |
| Noninterest expense to average assets | 4.4153% | 325 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2660% | 1,830 |
| Return on assets (ROA) | 1.2660% | 1,878 |
| Pretax return on assets | 1.6290% | 1,395 |
| Return on Equity (ROE) | 9.9239% | 2,404 |
| Retained earnings to average equity (ytd only) | 0.3567% | 4,465 |
| Net charge-offs to loans | -0.0081% | 4,147 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0493% | 1,877 |
| Assets per employee ($millions) | 8.3404% | 594 |
| Cash dividends to net income (ytd only)* | 96.4052% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8747% | 618 |
| Loan loss allowance to noncurrent loans | 915.5556% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.1260% | 4,167 |
| Noncurrent loans to loans | 0.2048% | 3,853 |
| Net loans and leases to total assets | 58.0449% | 3,885 |
| Net loans and leases to deposits | 75.8538% | 3,270 |
| Net loans and leases to core deposits | 87.8488% | 2,704 |
| Total domestic deposits to total assets | 76.5221% | 4,707 |
| Equity capital to assets | 12.1185% | 1,952 |
| Core capital (leverage) ratio | 12.4893% | 1,526 |
| Tier 1 risk-based capital ratio | 17.1699% | 2,055 |
| Total risk-based capital ratio | 18.4241% | 2,001 |
| Memoranda: | ||
| Average total assets | $386,743,500 | 1,818 |
| Average earning assets | $352,568,500 | 1,837 |
| Average equity | $49,335,500 | 1,596 |
| Average total loans | $247,773,500 | 1,867 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5052% | 2,442 |
| Cost of funding earning assets | 0.9069% | 1,062 |
| Net interest margin | 3.5983% | 3,389 |
| Noninterest income to average assets | 3.3057% | 139 |
| Noninterest expense to average assets | 4.9479% | 214 |
| Loan and lease loss provision to assets | 0.5289% | 217 |
| Net operating income to assets | 0.7973% | 3,816 |
| Return on assets (ROA) | 1.5568% | 968 |
| Pretax return on assets | 2.0514% | 496 |
| Return on Equity (ROE) | 12.5262% | 1,533 |
| Retained earnings to average equity (ytd only) | 10.3863% | 551 |
| Net charge-offs to loans | 0.9050% | 167 |
| Credit loss provision to net charge-offs | 92.7488% | 2,684 |
| Earnings coverage of net charge-offs (x) | 2.8389% | 3,482 |
| Efficiency ratio | 75.3468% | 1,447 |
| Assets per employee ($millions) | 7.7618% | 719 |
| Cash dividends to net income (ytd only)* | 17.0833% | 3,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7837% | 702 |
| Loan loss allowance to noncurrent loans | 592.5393% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.2149% | 3,745 |
| Noncurrent loans to loans | 0.3010% | 3,476 |
| Net loans and leases to total assets | 68.3294% | 2,833 |
| Net loans and leases to deposits | 100.7038% | 691 |
| Net loans and leases to core deposits | 125.5687% | 404 |
| Total domestic deposits to total assets | 67.8519% | 5,213 |
| Equity capital to assets | 13.4716% | 1,154 |
| Core capital (leverage) ratio | 13.6641% | 1,022 |
| Tier 1 risk-based capital ratio | 16.6021% | 2,205 |
| Total risk-based capital ratio | 17.8558% | 2,149 |
| Memoranda: | ||
| Average total assets | $369,998,000 | 1,829 |
| Average earning assets | $335,320,800 | 1,867 |
| Average equity | $45,983,600 | 1,633 |
| Average total loans | $233,155,400 | 1,923 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4091% | 2,597 |
| Cost of funding earning assets | 0.8611% | 1,071 |
| Net interest margin | 3.5480% | 3,526 |
| Noninterest income to average assets | 3.3062% | 148 |
| Noninterest expense to average assets | 4.8194% | 232 |
| Loan and lease loss provision to assets | 0.5322% | 199 |
| Net operating income to assets | 0.8952% | 3,554 |
| Return on assets (ROA) | 0.8952% | 3,560 |
| Pretax return on assets | 1.1728% | 3,107 |
| Return on Equity (ROE) | 7.3549% | 3,799 |
| Retained earnings to average equity (ytd only) | 4.9623% | 3,258 |
| Net charge-offs to loans | 1.2357% | 105 |
| Credit loss provision to net charge-offs | 70.1372% | 2,636 |
| Earnings coverage of net charge-offs (x) | 2.2470% | 3,261 |
| Efficiency ratio | 73.8676% | 1,613 |
| Assets per employee ($millions) | 7.5958% | 737 |
| Cash dividends to net income (ytd only)* | 32.5312% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7865% | 746 |
| Loan loss allowance to noncurrent loans | 521.7784% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.2728% | 3,592 |
| Noncurrent loans to loans | 0.3424% | 3,428 |
| Net loans and leases to total assets | 62.3492% | 3,619 |
| Net loans and leases to deposits | 89.2412% | 1,988 |
| Net loans and leases to core deposits | 105.7787% | 1,328 |
| Total domestic deposits to total assets | 69.8659% | 5,214 |
| Equity capital to assets | 12.9122% | 1,373 |
| Core capital (leverage) ratio | 12.6818% | 1,429 |
| Tier 1 risk-based capital ratio | 17.0403% | 2,092 |
| Total risk-based capital ratio | 18.2935% | 2,035 |
| Memoranda: | ||
| Average total assets | $371,296,250 | 1,835 |
| Average earning assets | $336,779,500 | 1,874 |
| Average equity | $45,193,250 | 1,665 |
| Average total loans | $227,995,250 | 1,966 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3454% | 2,605 |
| Cost of funding earning assets | 0.8195% | 1,046 |
| Net interest margin | 3.5259% | 3,550 |
| Noninterest income to average assets | 2.9187% | 168 |
| Noninterest expense to average assets | 4.5716% | 279 |
| Loan and lease loss provision to assets | 0.6020% | 172 |
| Net operating income to assets | 0.7244% | 4,123 |
| Return on assets (ROA) | 0.7244% | 4,130 |
| Pretax return on assets | 0.9461% | 3,821 |
| Return on Equity (ROE) | 6.0679% | 4,208 |
| Retained earnings to average equity (ytd only) | 3.1409% | 3,996 |
| Net charge-offs to loans | 1.0970% | 117 |
| Credit loss provision to net charge-offs | 90.3432% | 2,152 |
| Earnings coverage of net charge-offs (x) | 2.3232% | 2,985 |
| Efficiency ratio | 74.7024% | 1,606 |
| Assets per employee ($millions) | 8.0548% | 612 |
| Cash dividends to net income (ytd only)* | 48.2379% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0140% | 507 |
| Loan loss allowance to noncurrent loans | 125.2817% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 1.0906% | 1,356 |
| Noncurrent loans to loans | 1.6076% | 1,005 |
| Net loans and leases to total assets | 59.8632% | 3,824 |
| Net loans and leases to deposits | 80.3282% | 2,915 |
| Net loans and leases to core deposits | 98.4973% | 1,856 |
| Total domestic deposits to total assets | 74.5233% | 4,997 |
| Equity capital to assets | 12.2117% | 1,717 |
| Core capital (leverage) ratio | 12.0147% | 1,707 |
| Tier 1 risk-based capital ratio | 16.7875% | 2,169 |
| Total risk-based capital ratio | 18.0429% | 2,110 |
| Memoranda: | ||
| Average total assets | $376,060,330 | 1,829 |
| Average earning assets | $341,418,330 | 1,858 |
| Average equity | $44,892,000 | 1,675 |
| Average total loans | $228,447,670 | 1,963 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0423% | 3,457 |
| Cost of funding earning assets | 0.7762% | 1,072 |
| Net interest margin | 3.2662% | 4,279 |
| Noninterest income to average assets | 2.6893% | 182 |
| Noninterest expense to average assets | 4.2996% | 352 |
| Loan and lease loss provision to assets | 0.5089% | 202 |
| Net operating income to assets | 0.6525% | 4,267 |
| Return on assets (ROA) | 0.6525% | 4,276 |
| Pretax return on assets | 0.8489% | 4,015 |
| Return on Equity (ROE) | 5.5284% | 4,306 |
| Retained earnings to average equity (ytd only) | 1.0556% | 4,618 |
| Net charge-offs to loans | 1.8580% | 67 |
| Credit loss provision to net charge-offs | 45.2158% | 1,982 |
| Earnings coverage of net charge-offs (x) | 1.2064% | 2,580 |
| Efficiency ratio | 75.9985% | 1,594 |
| Assets per employee ($millions) | 8.3452% | 553 |
| Cash dividends to net income (ytd only)* | 80.9061% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7998% | 786 |
| Loan loss allowance to noncurrent loans | 118.6902% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 0.9721% | 1,620 |
| Noncurrent loans to loans | 1.5164% | 1,160 |
| Net loans and leases to total assets | 55.7919% | 4,136 |
| Net loans and leases to deposits | 72.6989% | 3,539 |
| Net loans and leases to core deposits | 85.9571% | 2,808 |
| Total domestic deposits to total assets | 76.7438% | 4,892 |
| Equity capital to assets | 11.1566% | 2,423 |
| Core capital (leverage) ratio | 11.5145% | 1,998 |
| Tier 1 risk-based capital ratio | 16.4207% | 2,306 |
| Total risk-based capital ratio | 17.6739% | 2,249 |
| Memoranda: | ||
| Average total assets | $378,829,000 | 1,833 |
| Average earning assets | $344,255,500 | 1,856 |
| Average equity | $44,714,500 | 1,687 |
| Average total loans | $229,488,500 | 1,972 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1387% | 2,917 |
| Cost of funding earning assets | 0.7260% | 903 |
| Net interest margin | 3.4127% | 3,809 |
| Noninterest income to average assets | 2.9436% | 178 |
| Noninterest expense to average assets | 4.6662% | 272 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8759% | 2,834 |
| Return on assets (ROA) | 0.8759% | 2,859 |
| Pretax return on assets | 1.3905% | 2,026 |
| Return on Equity (ROE) | 6.7745% | 3,398 |
| Retained earnings to average equity (ytd only) | 3.2814% | 3,339 |
| Net charge-offs to loans | -0.0080% | 4,736 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0427% | 1,476 |
| Assets per employee ($millions) | 7.5976% | 739 |
| Cash dividends to net income (ytd only)* | 51.5620% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0225% | 519 |
| Loan loss allowance to noncurrent loans | 98.3813% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 1.4781% | 932 |
| Noncurrent loans to loans | 2.0558% | 734 |
| Net loans and leases to total assets | 63.4901% | 3,424 |
| Net loans and leases to deposits | 86.1573% | 2,241 |
| Net loans and leases to core deposits | 106.8422% | 1,222 |
| Total domestic deposits to total assets | 73.6909% | 5,212 |
| Equity capital to assets | 12.5288% | 1,502 |
| Core capital (leverage) ratio | 12.1581% | 1,524 |
| Tier 1 risk-based capital ratio | 16.1804% | 2,366 |
| Total risk-based capital ratio | 17.4367% | 2,303 |
| Memoranda: | ||
| Average total assets | $339,888,600 | 1,960 |
| Average earning assets | $310,048,400 | 1,991 |
| Average equity | $43,944,400 | 1,691 |
| Average total loans | $225,386,600 | 1,964 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1100% | 2,954 |
| Cost of funding earning assets | 0.6974% | 975 |
| Net interest margin | 3.4125% | 3,806 |
| Noninterest income to average assets | 2.9528% | 184 |
| Noninterest expense to average assets | 4.6206% | 287 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9392% | 2,832 |
| Return on assets (ROA) | 0.9392% | 2,896 |
| Pretax return on assets | 1.4541% | 1,932 |
| Return on Equity (ROE) | 7.2051% | 3,543 |
| Retained earnings to average equity (ytd only) | 2.9991% | 4,126 |
| Net charge-offs to loans | -0.1018% | 5,388 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0628% | 1,577 |
| Assets per employee ($millions) | 7.8656% | 661 |
| Cash dividends to net income (ytd only)* | 58.3755% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0466% | 524 |
| Loan loss allowance to noncurrent loans | 598.1436% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.3861% | 3,479 |
| Noncurrent loans to loans | 0.3422% | 3,718 |
| Net loans and leases to total assets | 63.9322% | 3,411 |
| Net loans and leases to deposits | 86.7784% | 2,212 |
| Net loans and leases to core deposits | 108.8038% | 1,105 |
| Total domestic deposits to total assets | 73.6730% | 5,263 |
| Equity capital to assets | 12.2622% | 1,799 |
| Core capital (leverage) ratio | 12.6508% | 1,354 |
| Tier 1 risk-based capital ratio | 15.6415% | 2,656 |
| Total risk-based capital ratio | 16.8982% | 2,594 |
| Memoranda: | ||
| Average total assets | $335,588,500 | 1,990 |
| Average earning assets | $307,018,250 | 2,019 |
| Average equity | $43,745,750 | 1,715 |
| Average total loans | $223,884,250 | 1,979 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0521% | 3,006 |
| Cost of funding earning assets | 0.6806% | 990 |
| Net interest margin | 3.3715% | 3,869 |
| Noninterest income to average assets | 2.8123% | 196 |
| Noninterest expense to average assets | 4.5300% | 310 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8952% | 2,935 |
| Return on assets (ROA) | 0.8952% | 2,993 |
| Pretax return on assets | 1.3805% | 2,097 |
| Return on Equity (ROE) | 6.7205% | 3,712 |
| Retained earnings to average equity (ytd only) | 3.2752% | 3,772 |
| Net charge-offs to loans | -0.1538% | 5,532 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6435% | 1,626 |
| Assets per employee ($millions) | 7.4454% | 758 |
| Cash dividends to net income (ytd only)* | 51.2645% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2178% | 421 |
| Loan loss allowance to noncurrent loans | 591.3097% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.4664% | 3,245 |
| Noncurrent loans to loans | 0.3751% | 3,682 |
| Net loans and leases to total assets | 65.0174% | 3,247 |
| Net loans and leases to deposits | 80.8950% | 2,817 |
| Net loans and leases to core deposits | 101.6469% | 1,537 |
| Total domestic deposits to total assets | 80.3725% | 4,328 |
| Equity capital to assets | 13.4491% | 1,167 |
| Core capital (leverage) ratio | 13.0567% | 1,158 |
| Tier 1 risk-based capital ratio | 17.0757% | 2,142 |
| Total risk-based capital ratio | 18.3349% | 2,084 |
| Memoranda: | ||
| Average total assets | $326,845,000 | 2,039 |
| Average earning assets | $300,339,330 | 2,053 |
| Average equity | $43,538,670 | 1,717 |
| Average total loans | $219,795,000 | 2,010 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8699% | 3,509 |
| Cost of funding earning assets | 0.6384% | 1,144 |
| Net interest margin | 3.2316% | 4,241 |
| Noninterest income to average assets | 2.4639% | 238 |
| Noninterest expense to average assets | 4.2209% | 419 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8185% | 3,135 |
| Return on assets (ROA) | 0.8185% | 3,191 |
| Pretax return on assets | 1.2326% | 2,466 |
| Return on Equity (ROE) | 6.1740% | 3,821 |
| Retained earnings to average equity (ytd only) | -0.7579% | 5,037 |
| Net charge-offs to loans | -0.3008% | 5,686 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3983% | 1,709 |
| Assets per employee ($millions) | 7.1467% | 883 |
| Cash dividends to net income (ytd only)* | 112.2754% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1600% | 501 |
| Loan loss allowance to noncurrent loans | 543.6937% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.5132% | 3,175 |
| Noncurrent loans to loans | 0.3973% | 3,672 |
| Net loans and leases to total assets | 66.5225% | 2,894 |
| Net loans and leases to deposits | 83.5961% | 2,329 |
| Net loans and leases to core deposits | 105.6479% | 1,128 |
| Total domestic deposits to total assets | 79.5760% | 4,701 |
| Equity capital to assets | 13.1536% | 1,201 |
| Core capital (leverage) ratio | 13.1603% | 1,078 |
| Tier 1 risk-based capital ratio | 16.1988% | 2,477 |
| Total risk-based capital ratio | 17.4570% | 2,412 |
| Memoranda: | ||
| Average total assets | $326,469,000 | 2,058 |
| Average earning assets | $302,020,000 | 2,059 |
| Average equity | $43,278,500 | 1,733 |
| Average total loans | $220,779,500 | 2,019 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5928% | 4,527 |
| Cost of funding earning assets | 0.5465% | 1,723 |
| Net interest margin | 3.0463% | 4,860 |
| Noninterest income to average assets | 3.0192% | 200 |
| Noninterest expense to average assets | 4.4471% | 399 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8933% | 2,864 |
| Return on assets (ROA) | 0.8933% | 2,980 |
| Pretax return on assets | 1.3956% | 1,957 |
| Return on Equity (ROE) | 6.8817% | 3,531 |
| Retained earnings to average equity (ytd only) | 1.1646% | 4,826 |
| Net charge-offs to loans | -0.0478% | 5,384 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1137% | 1,964 |
| Assets per employee ($millions) | 7.0477% | 906 |
| Cash dividends to net income (ytd only)* | 83.0774% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1381% | 511 |
| Loan loss allowance to noncurrent loans | 426.5325% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.5972% | 2,939 |
| Noncurrent loans to loans | 0.5013% | 3,357 |
| Net loans and leases to total assets | 65.8187% | 3,100 |
| Net loans and leases to deposits | 82.1377% | 2,658 |
| Net loans and leases to core deposits | 102.3518% | 1,425 |
| Total domestic deposits to total assets | 80.1321% | 4,546 |
| Equity capital to assets | 13.3609% | 1,107 |
| Core capital (leverage) ratio | 13.0504% | 1,115 |
| Tier 1 risk-based capital ratio | 16.1738% | 2,480 |
| Total risk-based capital ratio | 17.4329% | 2,418 |
| Memoranda: | ||
| Average total assets | $328,100,800 | 2,012 |
| Average earning assets | $304,105,600 | 2,015 |
| Average equity | $42,591,400 | 1,737 |
| Average total loans | $205,205,200 | 2,079 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5699% | 4,636 |
| Cost of funding earning assets | 0.5316% | 1,866 |
| Net interest margin | 3.0383% | 4,927 |
| Noninterest income to average assets | 3.1246% | 197 |
| Noninterest expense to average assets | 4.5107% | 380 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9173% | 2,821 |
| Return on assets (ROA) | 0.9173% | 2,943 |
| Pretax return on assets | 1.4322% | 1,934 |
| Return on Equity (ROE) | 7.1176% | 3,496 |
| Retained earnings to average equity (ytd only) | -0.0660% | 5,366 |
| Net charge-offs to loans | -0.0601% | 5,422 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8999% | 1,985 |
| Assets per employee ($millions) | 7.1160% | 848 |
| Cash dividends to net income (ytd only)* | 100.9276% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2427% | 479 |
| Loan loss allowance to noncurrent loans | 499.4635% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.7713% | 2,619 |
| Noncurrent loans to loans | 0.4490% | 3,670 |
| Net loans and leases to total assets | 63.3650% | 3,480 |
| Net loans and leases to deposits | 76.5810% | 3,343 |
| Net loans and leases to core deposits | 95.2910% | 2,069 |
| Total domestic deposits to total assets | 82.7424% | 3,688 |
| Equity capital to assets | 13.3793% | 1,300 |
| Core capital (leverage) ratio | 13.1283% | 1,142 |
| Tier 1 risk-based capital ratio | 16.5964% | 2,380 |
| Total risk-based capital ratio | 17.8564% | 2,328 |
| Memoranda: | ||
| Average total assets | $329,078,000 | 2,013 |
| Average earning assets | $305,252,000 | 2,014 |
| Average equity | $42,410,500 | 1,753 |
| Average total loans | $201,996,250 | 2,107 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5501% | 4,744 |
| Cost of funding earning assets | 0.5168% | 1,962 |
| Net interest margin | 3.0333% | 5,012 |
| Noninterest income to average assets | 3.0057% | 199 |
| Noninterest expense to average assets | 4.3219% | 436 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9614% | 2,568 |
| Return on assets (ROA) | 0.9614% | 2,720 |
| Pretax return on assets | 1.5017% | 1,671 |
| Return on Equity (ROE) | 7.5521% | 3,232 |
| Retained earnings to average equity (ytd only) | -2.0489% | 5,551 |
| Net charge-offs to loans | -0.0809% | 5,546 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2139% | 2,327 |
| Assets per employee ($millions) | 7.2387% | 788 |
| Cash dividends to net income (ytd only)* | 127.1303% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2329% | 520 |
| Loan loss allowance to noncurrent loans | 110.0711% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 1.7533% | 1,002 |
| Noncurrent loans to loans | 2.0286% | 976 |
| Net loans and leases to total assets | 61.0775% | 3,742 |
| Net loans and leases to deposits | 72.5092% | 3,742 |
| Net loans and leases to core deposits | 88.0427% | 2,720 |
| Total domestic deposits to total assets | 84.2342% | 3,182 |
| Equity capital to assets | 12.7545% | 1,634 |
| Core capital (leverage) ratio | 12.3708% | 1,422 |
| Tier 1 risk-based capital ratio | 16.4125% | 2,464 |
| Total risk-based capital ratio | 17.6725% | 2,400 |
| Memoranda: | ||
| Average total assets | $332,031,330 | 2,006 |
| Average earning assets | $308,441,330 | 1,997 |
| Average equity | $42,266,330 | 1,754 |
| Average total loans | $200,141,330 | 2,125 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2724% | 5,371 |
| Cost of funding earning assets | 0.4860% | 2,218 |
| Net interest margin | 2.7863% | 5,489 |
| Noninterest income to average assets | 2.7326% | 224 |
| Noninterest expense to average assets | 4.2502% | 477 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6901% | 3,760 |
| Return on assets (ROA) | 0.6901% | 3,872 |
| Pretax return on assets | 1.0689% | 3,207 |
| Return on Equity (ROE) | 5.4264% | 4,268 |
| Retained earnings to average equity (ytd only) | -13.8221% | 5,889 |
| Net charge-offs to loans | -0.0958% | 5,616 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9047% | 1,617 |
| Assets per employee ($millions) | 7.4391% | 728 |
| Cash dividends to net income (ytd only)* | 354.7203% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2752% | 534 |
| Loan loss allowance to noncurrent loans | 102.5578% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 1.9006% | 941 |
| Noncurrent loans to loans | 2.2185% | 918 |
| Net loans and leases to total assets | 60.5071% | 3,710 |
| Net loans and leases to deposits | 71.6375% | 3,687 |
| Net loans and leases to core deposits | 85.2012% | 2,824 |
| Total domestic deposits to total assets | 84.4629% | 3,327 |
| Equity capital to assets | 12.6619% | 1,583 |
| Core capital (leverage) ratio | 12.3095% | 1,429 |
| Tier 1 risk-based capital ratio | 16.5572% | 2,455 |
| Total risk-based capital ratio | 17.8179% | 2,403 |
| Memoranda: | ||
| Average total assets | $331,557,000 | 2,014 |
| Average earning assets | $307,790,500 | 2,008 |
| Average equity | $42,164,500 | 1,753 |
| Average total loans | $196,201,500 | 2,156 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0169% | 5,713 |
| Cost of funding earning assets | 0.4475% | 2,650 |
| Net interest margin | 2.5694% | 5,779 |
| Noninterest income to average assets | 2.9905% | 205 |
| Noninterest expense to average assets | 4.3682% | 447 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6425% | 4,070 |
| Return on assets (ROA) | 0.6425% | 4,162 |
| Pretax return on assets | 0.9983% | 3,481 |
| Return on Equity (ROE) | 5.3039% | 4,374 |
| Retained earnings to average equity (ytd only) | -0.0117% | 5,513 |
| Net charge-offs to loans | -0.0593% | 5,609 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3981% | 1,491 |
| Assets per employee ($millions) | 7.4621% | 715 |
| Cash dividends to net income (ytd only)* | 100.2213% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4054% | 453 |
| Loan loss allowance to noncurrent loans | 98.5958% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 2.0819% | 828 |
| Noncurrent loans to loans | 2.4397% | 770 |
| Net loans and leases to total assets | 55.1457% | 4,371 |
| Net loans and leases to deposits | 66.1081% | 4,308 |
| Net loans and leases to core deposits | 78.4315% | 3,498 |
| Total domestic deposits to total assets | 83.4175% | 3,705 |
| Equity capital to assets | 12.7709% | 1,476 |
| Core capital (leverage) ratio | 11.5748% | 1,905 |
| Tier 1 risk-based capital ratio | 17.9599% | 1,975 |
| Total risk-based capital ratio | 19.2243% | 1,929 |
| Memoranda: | ||
| Average total assets | $351,610,200 | 1,863 |
| Average earning assets | $325,134,200 | 1,866 |
| Average equity | $42,591,400 | 1,714 |
| Average total loans | $195,657,000 | 2,114 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0333% | 5,783 |
| Cost of funding earning assets | 0.4279% | 2,929 |
| Net interest margin | 2.6053% | 5,833 |
| Noninterest income to average assets | 2.9642% | 214 |
| Noninterest expense to average assets | 4.3584% | 456 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6491% | 4,136 |
| Return on assets (ROA) | 0.6491% | 4,250 |
| Pretax return on assets | 1.0143% | 3,558 |
| Return on Equity (ROE) | 5.4281% | 4,437 |
| Retained earnings to average equity (ytd only) | -0.7808% | 5,734 |
| Net charge-offs to loans | -0.0399% | 5,464 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1209% | 1,507 |
| Assets per employee ($millions) | 7.7695% | 597 |
| Cash dividends to net income (ytd only)* | 114.3847% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4052% | 499 |
| Loan loss allowance to noncurrent loans | 6,438.5714% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.7199% | 3,105 |
| Noncurrent loans to loans | 0.0374% | 5,469 |
| Net loans and leases to total assets | 52.3067% | 4,725 |
| Net loans and leases to deposits | 61.9022% | 4,726 |
| Net loans and leases to core deposits | 74.4349% | 3,972 |
| Total domestic deposits to total assets | 84.4990% | 3,222 |
| Equity capital to assets | 12.2093% | 1,954 |
| Core capital (leverage) ratio | 10.9440% | 2,552 |
| Tier 1 risk-based capital ratio | 17.8734% | 2,061 |
| Total risk-based capital ratio | 19.1405% | 2,024 |
| Memoranda: | ||
| Average total assets | $355,564,250 | 1,856 |
| Average earning assets | $328,700,500 | 1,856 |
| Average equity | $42,518,250 | 1,734 |
| Average total loans | $197,136,250 | 2,107 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0195% | 5,839 |
| Cost of funding earning assets | 0.4002% | 3,276 |
| Net interest margin | 2.6193% | 5,867 |
| Noninterest income to average assets | 2.7834% | 233 |
| Noninterest expense to average assets | 4.2177% | 535 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6310% | 4,212 |
| Return on assets (ROA) | 0.6310% | 4,326 |
| Pretax return on assets | 0.9856% | 3,645 |
| Return on Equity (ROE) | 5.3130% | 4,475 |
| Retained earnings to average equity (ytd only) | -2.6753% | 5,889 |
| Net charge-offs to loans | -0.0489% | 5,539 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0578% | 1,616 |
| Assets per employee ($millions) | 7.4909% | 675 |
| Cash dividends to net income (ytd only)* | 150.3546% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1864% | 746 |
| Loan loss allowance to noncurrent loans | 6,333.8028% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.7921% | 3,008 |
| Noncurrent loans to loans | 0.0345% | 5,609 |
| Net loans and leases to total assets | 55.9508% | 4,342 |
| Net loans and leases to deposits | 66.1479% | 4,329 |
| Net loans and leases to core deposits | 79.8314% | 3,406 |
| Total domestic deposits to total assets | 84.5844% | 3,303 |
| Equity capital to assets | 11.7815% | 2,177 |
| Core capital (leverage) ratio | 11.0704% | 2,356 |
| Tier 1 risk-based capital ratio | 16.9071% | 2,442 |
| Total risk-based capital ratio | 18.1727% | 2,387 |
| Memoranda: | ||
| Average total assets | $357,543,000 | 1,859 |
| Average earning assets | $330,318,670 | 1,860 |
| Average equity | $42,462,000 | 1,742 |
| Average total loans | $200,386,330 | 2,081 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9839% | 5,911 |
| Cost of funding earning assets | 0.3763% | 3,581 |
| Net interest margin | 2.6076% | 5,915 |
| Noninterest income to average assets | 2.6275% | 252 |
| Noninterest expense to average assets | 4.1107% | 611 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5946% | 4,313 |
| Return on assets (ROA) | 0.5946% | 4,409 |
| Pretax return on assets | 0.9267% | 3,792 |
| Return on Equity (ROE) | 4.9868% | 4,535 |
| Retained earnings to average equity (ytd only) | -8.2894% | 6,087 |
| Net charge-offs to loans | -0.0809% | 5,753 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6036% | 1,670 |
| Assets per employee ($millions) | 7.9122% | 562 |
| Cash dividends to net income (ytd only)* | 266.2264% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2187% | 788 |
| Loan loss allowance to noncurrent loans | 6,147.9452% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.7831% | 3,157 |
| Noncurrent loans to loans | 0.0361% | 5,648 |
| Net loans and leases to total assets | 54.3435% | 4,404 |
| Net loans and leases to deposits | 63.9585% | 4,375 |
| Net loans and leases to core deposits | 74.6461% | 3,721 |
| Total domestic deposits to total assets | 84.9668% | 3,428 |
| Equity capital to assets | 11.5548% | 2,414 |
| Core capital (leverage) ratio | 11.0896% | 2,322 |
| Tier 1 risk-based capital ratio | 16.7124% | 2,592 |
| Total risk-based capital ratio | 17.9701% | 2,538 |
| Memoranda: | ||
| Average total assets | $356,532,500 | 1,863 |
| Average earning assets | $329,503,000 | 1,867 |
| Average equity | $42,512,000 | 1,746 |
| Average total loans | $197,741,500 | 2,103 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9149% | 6,121 |
| Cost of funding earning assets | 0.3012% | 4,781 |
| Net interest margin | 2.6137% | 6,051 |
| Noninterest income to average assets | 3.1741% | 180 |
| Noninterest expense to average assets | 4.4735% | 473 |
| Loan and lease loss provision to assets | -0.2246% | 6,310 |
| Net operating income to assets | 0.9593% | 2,586 |
| Return on assets (ROA) | 0.9593% | 2,664 |
| Pretax return on assets | 1.3234% | 2,166 |
| Return on Equity (ROE) | 7.6182% | 3,315 |
| Retained earnings to average equity (ytd only) | 5.2405% | 2,438 |
| Net charge-offs to loans | 0.1053% | 3,003 |
| Credit loss provision to net charge-offs | -409.8361% | 5,755 |
| Earnings coverage of net charge-offs (x) | 20.0546% | 1,740 |
| Efficiency ratio | 80.2805% | 1,884 |
| Assets per employee ($millions) | 7.7579% | 590 |
| Cash dividends to net income (ytd only)* | 31.2110% | 3,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3022% | 719 |
| Loan loss allowance to noncurrent loans | 4,538.7755% | 181 |
| Noncurrent assets plus other real estate owned to assets | 1.0046% | 2,740 |
| Noncurrent loans to loans | 0.0507% | 5,675 |
| Net loans and leases to total assets | 54.0693% | 4,572 |
| Net loans and leases to deposits | 64.1358% | 4,515 |
| Net loans and leases to core deposits | 75.4932% | 3,766 |
| Total domestic deposits to total assets | 84.3044% | 3,588 |
| Equity capital to assets | 12.3084% | 1,770 |
| Core capital (leverage) ratio | 11.7432% | 1,799 |
| Tier 1 risk-based capital ratio | 19.0650% | 1,827 |
| Total risk-based capital ratio | 20.3244% | 1,790 |
| Memoranda: | ||
| Average total assets | $333,988,600 | 1,940 |
| Average earning assets | $306,461,200 | 1,960 |
| Average equity | $42,057,200 | 1,707 |
| Average total loans | $173,780,800 | 2,294 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8690% | 6,232 |
| Cost of funding earning assets | 0.2895% | 4,995 |
| Net interest margin | 2.5795% | 6,152 |
| Noninterest income to average assets | 3.2823% | 173 |
| Noninterest expense to average assets | 4.4460% | 485 |
| Loan and lease loss provision to assets | -0.3028% | 6,464 |
| Net operating income to assets | 1.1693% | 1,798 |
| Return on assets (ROA) | 1.1693% | 1,868 |
| Pretax return on assets | 1.5028% | 1,635 |
| Return on Equity (ROE) | 9.2310% | 2,573 |
| Retained earnings to average equity (ytd only) | 6.8403% | 1,906 |
| Net charge-offs to loans | 0.1579% | 2,225 |
| Credit loss provision to net charge-offs | -375.0000% | 5,689 |
| Earnings coverage of net charge-offs (x) | 14.8600% | 2,103 |
| Efficiency ratio | 78.7456% | 2,082 |
| Assets per employee ($millions) | 7.6090% | 607 |
| Cash dividends to net income (ytd only)* | 25.8979% | 2,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4978% | 653 |
| Loan loss allowance to noncurrent loans | 207.7356% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 1.2275% | 2,508 |
| Noncurrent loans to loans | 1.2024% | 2,640 |
| Net loans and leases to total assets | 50.5145% | 4,948 |
| Net loans and leases to deposits | 60.3327% | 4,909 |
| Net loans and leases to core deposits | 67.6924% | 4,541 |
| Total domestic deposits to total assets | 83.7265% | 3,867 |
| Equity capital to assets | 12.5078% | 1,698 |
| Core capital (leverage) ratio | 12.3846% | 1,469 |
| Tier 1 risk-based capital ratio | 19.9263% | 1,693 |
| Total risk-based capital ratio | 21.1869% | 1,661 |
| Memoranda: | ||
| Average total assets | $330,209,750 | 1,977 |
| Average earning assets | $302,587,000 | 1,998 |
| Average equity | $41,829,250 | 1,722 |
| Average total loans | $168,924,500 | 2,344 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8912% | 6,263 |
| Cost of funding earning assets | 0.2848% | 5,133 |
| Net interest margin | 2.6064% | 6,164 |
| Noninterest income to average assets | 3.2605% | 175 |
| Noninterest expense to average assets | 4.3876% | 511 |
| Loan and lease loss provision to assets | -0.4599% | 6,576 |
| Net operating income to assets | 1.4705% | 924 |
| Return on assets (ROA) | 1.4705% | 964 |
| Pretax return on assets | 1.7176% | 981 |
| Return on Equity (ROE) | 11.5576% | 1,559 |
| Retained earnings to average equity (ytd only) | 7.9428% | 1,347 |
| Net charge-offs to loans | 0.2986% | 1,346 |
| Credit loss provision to net charge-offs | -302.4194% | 5,473 |
| Earnings coverage of net charge-offs (x) | 8.2702% | 2,518 |
| Efficiency ratio | 77.7211% | 2,336 |
| Assets per employee ($millions) | 6.9918% | 803 |
| Cash dividends to net income (ytd only)* | 31.2761% | 2,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5921% | 622 |
| Loan loss allowance to noncurrent loans | 350.0799% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 1.0558% | 2,958 |
| Noncurrent loans to loans | 0.7404% | 3,850 |
| Net loans and leases to total assets | 52.3502% | 4,709 |
| Net loans and leases to deposits | 62.3758% | 4,655 |
| Net loans and leases to core deposits | 70.5903% | 4,204 |
| Total domestic deposits to total assets | 83.9271% | 3,945 |
| Equity capital to assets | 13.4708% | 1,172 |
| Core capital (leverage) ratio | 12.2315% | 1,536 |
| Tier 1 risk-based capital ratio | 20.2765% | 1,620 |
| Total risk-based capital ratio | 21.5380% | 1,585 |
| Memoranda: | ||
| Average total assets | $326,145,330 | 1,999 |
| Average earning assets | $298,419,000 | 2,017 |
| Average equity | $41,496,670 | 1,730 |
| Average total loans | $166,101,330 | 2,381 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8209% | 6,379 |
| Cost of funding earning assets | 0.2788% | 5,294 |
| Net interest margin | 2.5421% | 6,298 |
| Noninterest income to average assets | 2.8719% | 196 |
| Noninterest expense to average assets | 4.1759% | 619 |
| Loan and lease loss provision to assets | -0.9039% | 6,698 |
| Net operating income to assets | 1.9235% | 378 |
| Return on assets (ROA) | 1.9235% | 398 |
| Pretax return on assets | 1.9295% | 613 |
| Return on Equity (ROE) | 15.5504% | 698 |
| Retained earnings to average equity (ytd only) | 8.2429% | 1,514 |
| Net charge-offs to loans | 0.6270% | 592 |
| Credit loss provision to net charge-offs | -290.6977% | 5,038 |
| Earnings coverage of net charge-offs (x) | 3.2984% | 2,706 |
| Efficiency ratio | 80.2827% | 2,164 |
| Assets per employee ($millions) | 7.5455% | 611 |
| Cash dividends to net income (ytd only)* | 46.9925% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5177% | 800 |
| Loan loss allowance to noncurrent loans | 348.1688% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 1.0032% | 3,259 |
| Noncurrent loans to loans | 0.7231% | 4,056 |
| Net loans and leases to total assets | 48.7822% | 5,025 |
| Net loans and leases to deposits | 56.7677% | 5,049 |
| Net loans and leases to core deposits | 63.2877% | 4,750 |
| Total domestic deposits to total assets | 85.9329% | 3,398 |
| Equity capital to assets | 11.9483% | 1,904 |
| Core capital (leverage) ratio | 12.0612% | 1,617 |
| Tier 1 risk-based capital ratio | 19.7399% | 1,783 |
| Total risk-based capital ratio | 21.0015% | 1,749 |
| Memoranda: | ||
| Average total assets | $331,903,500 | 1,975 |
| Average earning assets | $304,157,500 | 1,986 |
| Average equity | $41,053,500 | 1,738 |
| Average total loans | $164,606,000 | 2,403 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6650% | 6,561 |
| Cost of funding earning assets | 0.2552% | 5,935 |
| Net interest margin | 2.4098% | 6,436 |
| Noninterest income to average assets | 2.8899% | 235 |
| Noninterest expense to average assets | 4.2053% | 695 |
| Loan and lease loss provision to assets | -0.2918% | 6,672 |
| Net operating income to assets | 1.2824% | 1,300 |
| Return on assets (ROA) | 1.2725% | 1,383 |
| Pretax return on assets | 1.1820% | 2,647 |
| Return on Equity (ROE) | 11.1727% | 1,711 |
| Retained earnings to average equity (ytd only) | 8.6108% | 871 |
| Net charge-offs to loans | -0.3289% | 6,684 |
| Credit loss provision to net charge-offs | 199.2032% | 1,156 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3684% | 1,829 |
| Assets per employee ($millions) | 6.8851% | 811 |
| Cash dividends to net income (ytd only)* | 22.9305% | 3,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4600% | 302 |
| Loan loss allowance to noncurrent loans | 1,438.7701% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.8209% | 3,838 |
| Noncurrent loans to loans | 0.2405% | 5,462 |
| Net loans and leases to total assets | 47.4051% | 5,356 |
| Net loans and leases to deposits | 57.2770% | 5,185 |
| Net loans and leases to core deposits | 64.7431% | 4,805 |
| Total domestic deposits to total assets | 82.7645% | 4,623 |
| Equity capital to assets | 12.8302% | 1,351 |
| Core capital (leverage) ratio | 11.6705% | 1,846 |
| Tier 1 risk-based capital ratio | 20.1902% | 1,614 |
| Total risk-based capital ratio | 21.4598% | 1,577 |
| Memoranda: | ||
| Average total assets | $342,713,000 | 1,883 |
| Average earning assets | $315,090,200 | 1,882 |
| Average equity | $39,032,600 | 1,790 |
| Average total loans | $152,631,400 | 2,525 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5419% | 6,682 |
| Cost of funding earning assets | 0.2440% | 6,128 |
| Net interest margin | 2.2979% | 6,589 |
| Noninterest income to average assets | 2.8601% | 252 |
| Noninterest expense to average assets | 3.9822% | 877 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9801% | 2,468 |
| Return on assets (ROA) | 0.9801% | 2,571 |
| Pretax return on assets | 0.9954% | 3,519 |
| Return on Equity (ROE) | 8.8594% | 2,704 |
| Retained earnings to average equity (ytd only) | 8.8594% | 1,099 |
| Net charge-offs to loans | 0.3326% | 1,880 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 6.8786% | 2,890 |
| Efficiency ratio | 80.0031% | 2,101 |
| Assets per employee ($millions) | 7.5266% | 577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6331% | 300 |
| Loan loss allowance to noncurrent loans | 552.2088% | 815 |
| Noncurrent assets plus other real estate owned to assets | 1.2392% | 3,163 |
| Noncurrent loans to loans | 0.6579% | 4,554 |
| Net loans and leases to total assets | 43.0730% | 5,807 |
| Net loans and leases to deposits | 50.1763% | 5,823 |
| Net loans and leases to core deposits | 56.7608% | 5,556 |
| Total domestic deposits to total assets | 85.8433% | 3,343 |
| Equity capital to assets | 11.7622% | 2,072 |
| Core capital (leverage) ratio | 11.8465% | 1,776 |
| Tier 1 risk-based capital ratio | 21.2619% | 1,443 |
| Total risk-based capital ratio | 22.5343% | 1,406 |
| Memoranda: | ||
| Average total assets | $349,213,000 | 1,867 |
| Average earning assets | $321,796,000 | 1,854 |
| Average equity | $38,632,000 | 1,817 |
| Average total loans | $151,909,500 | 2,544 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5433% | 6,722 |
| Cost of funding earning assets | 0.2441% | 6,217 |
| Net interest margin | 2.2992% | 6,617 |
| Noninterest income to average assets | 2.6316% | 298 |
| Noninterest expense to average assets | 3.7730% | 1,136 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9696% | 2,467 |
| Return on assets (ROA) | 0.9696% | 2,609 |
| Pretax return on assets | 0.9787% | 3,607 |
| Return on Equity (ROE) | 8.9459% | 2,631 |
| Retained earnings to average equity (ytd only) | 8.9459% | 1,142 |
| Net charge-offs to loans | 0.1512% | 2,893 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 15.0087% | 1,780 |
| Efficiency ratio | 79.4033% | 2,237 |
| Assets per employee ($millions) | 7.5995% | 535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0838% | 239 |
| Loan loss allowance to noncurrent loans | 229.9162% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 1.8028% | 2,411 |
| Noncurrent loans to loans | 1.7762% | 2,666 |
| Net loans and leases to total assets | 40.4865% | 6,014 |
| Net loans and leases to deposits | 47.3976% | 6,023 |
| Net loans and leases to core deposits | 54.8651% | 5,683 |
| Total domestic deposits to total assets | 85.4189% | 3,684 |
| Equity capital to assets | 11.6805% | 2,147 |
| Core capital (leverage) ratio | 11.1315% | 2,224 |
| Tier 1 risk-based capital ratio | 20.5435% | 1,604 |
| Total risk-based capital ratio | 21.8172% | 1,570 |
| Memoranda: | ||
| Average total assets | $352,719,000 | 1,846 |
| Average earning assets | $325,244,000 | 1,841 |
| Average equity | $38,230,000 | 1,832 |
| Average total loans | $152,084,000 | 2,538 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5086% | 6,809 |
| Cost of funding earning assets | 0.2420% | 6,337 |
| Net interest margin | 2.2666% | 6,709 |
| Noninterest income to average assets | 2.3145% | 354 |
| Noninterest expense to average assets | 3.5503% | 1,523 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8511% | 2,900 |
| Return on assets (ROA) | 0.8511% | 3,036 |
| Pretax return on assets | 0.8555% | 3,934 |
| Return on Equity (ROE) | 8.1446% | 2,897 |
| Retained earnings to average equity (ytd only) | 8.1446% | 1,695 |
| Net charge-offs to loans | -0.0152% | 5,598 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5820% | 2,237 |
| Assets per employee ($millions) | 8.2613% | 446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8041% | 333 |
| Loan loss allowance to noncurrent loans | 186.7069% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 1.8821% | 2,498 |
| Noncurrent loans to loans | 2.0375% | 2,582 |
| Net loans and leases to total assets | 41.8927% | 5,852 |
| Net loans and leases to deposits | 48.3598% | 5,898 |
| Net loans and leases to core deposits | 57.1744% | 5,424 |
| Total domestic deposits to total assets | 86.6271% | 3,166 |
| Equity capital to assets | 10.7509% | 3,258 |
| Core capital (leverage) ratio | 9.8214% | 3,638 |
| Tier 1 risk-based capital ratio | 19.5892% | 1,886 |
| Total risk-based capital ratio | 20.8707% | 1,851 |
| Memoranda: | ||
| Average total assets | $361,889,500 | 1,825 |
| Average earning assets | $333,894,000 | 1,816 |
| Average equity | $37,816,500 | 1,875 |
| Average total loans | $157,555,000 | 2,487 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6088% | 6,903 |
| Cost of funding earning assets | 0.2839% | 6,530 |
| Net interest margin | 2.3249% | 6,825 |
| Noninterest income to average assets | 2.6549% | 292 |
| Noninterest expense to average assets | 3.8656% | 1,141 |
| Loan and lease loss provision to assets | -0.3369% | 7,021 |
| Net operating income to assets | 1.4565% | 994 |
| Return on assets (ROA) | 1.4565% | 1,107 |
| Pretax return on assets | 1.2577% | 2,582 |
| Return on Equity (ROE) | 15.1566% | 787 |
| Retained earnings to average equity (ytd only) | 11.5118% | 375 |
| Net charge-offs to loans | 0.0889% | 4,790 |
| Credit loss provision to net charge-offs | -867.6056% | 6,572 |
| Earnings coverage of net charge-offs (x) | 23.7183% | 1,207 |
| Efficiency ratio | 80.7609% | 2,043 |
| Assets per employee ($millions) | 8.3760% | 426 |
| Cash dividends to net income (ytd only)* | 24.0473% | 3,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6650% | 372 |
| Loan loss allowance to noncurrent loans | 120.4466% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 2.5877% | 1,878 |
| Noncurrent loans to loans | 3.0429% | 1,711 |
| Net loans and leases to total assets | 41.9295% | 6,016 |
| Net loans and leases to deposits | 48.0345% | 6,108 |
| Net loans and leases to core deposits | 59.1474% | 5,438 |
| Total domestic deposits to total assets | 87.2903% | 2,650 |
| Equity capital to assets | 10.1594% | 3,948 |
| Core capital (leverage) ratio | 9.2835% | 4,446 |
| Tier 1 risk-based capital ratio | 18.3902% | 2,138 |
| Total risk-based capital ratio | 19.6708% | 2,094 |
| Memoranda: | ||
| Average total assets | $365,740,400 | 1,781 |
| Average earning assets | $335,322,600 | 1,769 |
| Average equity | $35,146,400 | 1,964 |
| Average total loans | $159,702,800 | 2,436 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6283% | 7,022 |
| Cost of funding earning assets | 0.2974% | 6,630 |
| Net interest margin | 2.3309% | 6,928 |
| Noninterest income to average assets | 2.6378% | 296 |
| Noninterest expense to average assets | 3.8165% | 1,178 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9277% | 2,840 |
| Return on assets (ROA) | 0.9277% | 3,065 |
| Pretax return on assets | 0.9569% | 3,889 |
| Return on Equity (ROE) | 9.7956% | 2,447 |
| Retained earnings to average equity (ytd only) | 9.6028% | 1,026 |
| Net charge-offs to loans | -0.4405% | 7,090 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9526% | 2,098 |
| Assets per employee ($millions) | 8.2804% | 432 |
| Cash dividends to net income (ytd only)* | 1.9687% | 3,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8918% | 156 |
| Loan loss allowance to noncurrent loans | 92.9288% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 4.0755% | 1,184 |
| Noncurrent loans to loans | 5.2640% | 833 |
| Net loans and leases to total assets | 42.4828% | 6,085 |
| Net loans and leases to deposits | 48.7599% | 6,211 |
| Net loans and leases to core deposits | 56.7470% | 5,830 |
| Total domestic deposits to total assets | 87.1265% | 2,590 |
| Equity capital to assets | 10.0947% | 4,361 |
| Core capital (leverage) ratio | 9.9593% | 3,597 |
| Tier 1 risk-based capital ratio | 19.5274% | 1,874 |
| Total risk-based capital ratio | 20.8272% | 1,832 |
| Memoranda: | ||
| Average total assets | $365,039,250 | 1,805 |
| Average earning assets | $334,449,000 | 1,793 |
| Average equity | $34,572,500 | 2,019 |
| Average total loans | $159,526,500 | 2,460 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6416% | 7,091 |
| Cost of funding earning assets | 0.3283% | 6,604 |
| Net interest margin | 2.3133% | 7,005 |
| Noninterest income to average assets | 2.4253% | 310 |
| Noninterest expense to average assets | 3.7062% | 1,355 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8369% | 3,209 |
| Return on assets (ROA) | 0.8369% | 3,474 |
| Pretax return on assets | 0.8369% | 4,322 |
| Return on Equity (ROE) | 9.0281% | 2,803 |
| Retained earnings to average equity (ytd only) | 9.0281% | 1,264 |
| Net charge-offs to loans | -0.5999% | 7,145 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5789% | 1,952 |
| Assets per employee ($millions) | 7.5744% | 566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3327% | 125 |
| Loan loss allowance to noncurrent loans | 73.8914% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 4.9827% | 960 |
| Noncurrent loans to loans | 7.2169% | 527 |
| Net loans and leases to total assets | 39.3945% | 6,378 |
| Net loans and leases to deposits | 45.1668% | 6,497 |
| Net loans and leases to core deposits | 50.8438% | 6,309 |
| Total domestic deposits to total assets | 87.2202% | 2,639 |
| Equity capital to assets | 10.0226% | 4,300 |
| Core capital (leverage) ratio | 9.0537% | 4,833 |
| Tier 1 risk-based capital ratio | 20.1872% | 1,667 |
| Total risk-based capital ratio | 21.4884% | 1,619 |
| Memoranda: | ||
| Average total assets | $368,033,330 | 1,792 |
| Average earning assets | $336,923,330 | 1,785 |
| Average equity | $34,115,670 | 2,027 |
| Average total loans | $159,687,670 | 2,465 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6970% | 7,140 |
| Cost of funding earning assets | 0.3499% | 6,636 |
| Net interest margin | 2.3471% | 7,043 |
| Noninterest income to average assets | 2.2327% | 345 |
| Noninterest expense to average assets | 3.6068% | 1,545 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7633% | 3,552 |
| Return on assets (ROA) | 0.7633% | 3,788 |
| Pretax return on assets | 0.7633% | 4,558 |
| Return on Equity (ROE) | 8.5546% | 3,028 |
| Retained earnings to average equity (ytd only) | 8.5546% | 1,756 |
| Net charge-offs to loans | 0.0742% | 3,757 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 23.2581% | 1,097 |
| Efficiency ratio | 82.5339% | 1,870 |
| Assets per employee ($millions) | 8.4415% | 402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3235% | 284 |
| Loan loss allowance to noncurrent loans | 59.3866% | 4,566 |
| Noncurrent assets plus other real estate owned to assets | 4.9667% | 1,053 |
| Noncurrent loans to loans | 7.2803% | 592 |
| Net loans and leases to total assets | 41.1574% | 6,253 |
| Net loans and leases to deposits | 46.3035% | 6,409 |
| Net loans and leases to core deposits | 53.3223% | 6,111 |
| Total domestic deposits to total assets | 88.8862% | 1,768 |
| Equity capital to assets | 8.7636% | 5,793 |
| Core capital (leverage) ratio | 8.5085% | 5,576 |
| Tier 1 risk-based capital ratio | 17.2963% | 2,556 |
| Total risk-based capital ratio | 18.5751% | 2,513 |
| Memoranda: | ||
| Average total assets | $377,838,000 | 1,755 |
| Average earning assets | $344,088,000 | 1,756 |
| Average equity | $33,713,000 | 2,053 |
| Average total loans | $167,035,500 | 2,399 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9720% | 7,178 |
| Cost of funding earning assets | 0.4446% | 6,748 |
| Net interest margin | 2.5275% | 7,045 |
| Noninterest income to average assets | 2.6953% | 240 |
| Noninterest expense to average assets | 4.3127% | 708 |
| Loan and lease loss provision to assets | 0.1677% | 4,545 |
| Net operating income to assets | 0.4973% | 4,440 |
| Return on assets (ROA) | 0.4973% | 4,653 |
| Pretax return on assets | 0.4998% | 4,993 |
| Return on Equity (ROE) | 5.5934% | 4,083 |
| Retained earnings to average equity (ytd only) | 5.5934% | 2,243 |
| Net charge-offs to loans | 3.7748% | 182 |
| Credit loss provision to net charge-offs | 8.9092% | 6,018 |
| Earnings coverage of net charge-offs (x) | 0.3546% | 5,555 |
| Efficiency ratio | 86.5973% | 1,488 |
| Assets per employee ($millions) | 7.9862% | 473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3423% | 288 |
| Loan loss allowance to noncurrent loans | 55.5147% | 4,731 |
| Noncurrent assets plus other real estate owned to assets | 6.0460% | 806 |
| Noncurrent loans to loans | 7.8219% | 527 |
| Net loans and leases to total assets | 43.4927% | 6,253 |
| Net loans and leases to deposits | 49.5628% | 6,390 |
| Net loans and leases to core deposits | 57.7112% | 6,018 |
| Total domestic deposits to total assets | 87.7528% | 2,307 |
| Equity capital to assets | 9.0906% | 5,425 |
| Core capital (leverage) ratio | 8.6673% | 5,297 |
| Tier 1 risk-based capital ratio | 16.6394% | 2,759 |
| Total risk-based capital ratio | 17.9263% | 2,703 |
| Memoranda: | ||
| Average total assets | $366,751,200 | 1,771 |
| Average earning assets | $331,558,800 | 1,786 |
| Average equity | $32,610,000 | 2,043 |
| Average total loans | $182,870,600 | 2,199 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9924% | 7,261 |
| Cost of funding earning assets | 0.4680% | 6,827 |
| Net interest margin | 2.5244% | 7,122 |
| Noninterest income to average assets | 2.6222% | 252 |
| Noninterest expense to average assets | 4.0745% | 920 |
| Loan and lease loss provision to assets | 0.0156% | 6,236 |
| Net operating income to assets | 0.5230% | 4,442 |
| Return on assets (ROA) | 0.5230% | 4,624 |
| Pretax return on assets | 0.8154% | 4,068 |
| Return on Equity (ROE) | 5.9151% | 4,057 |
| Retained earnings to average equity (ytd only) | 5.9151% | 2,607 |
| Net charge-offs to loans | 1.6471% | 847 |
| Credit loss provision to net charge-offs | 1.8631% | 5,727 |
| Earnings coverage of net charge-offs (x) | 0.9900% | 4,891 |
| Efficiency ratio | 83.0590% | 1,842 |
| Assets per employee ($millions) | 7.9673% | 472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4002% | 70 |
| Loan loss allowance to noncurrent loans | 55.3478% | 4,687 |
| Noncurrent assets plus other real estate owned to assets | 8.4531% | 495 |
| Noncurrent loans to loans | 11.5635% | 251 |
| Net loans and leases to total assets | 45.9953% | 6,151 |
| Net loans and leases to deposits | 52.3091% | 6,338 |
| Net loans and leases to core deposits | 62.6456% | 5,756 |
| Total domestic deposits to total assets | 87.9299% | 2,074 |
| Equity capital to assets | 9.2305% | 5,467 |
| Core capital (leverage) ratio | 8.8475% | 5,184 |
| Tier 1 risk-based capital ratio | 16.7060% | 2,763 |
| Total risk-based capital ratio | 18.0115% | 2,708 |
| Memoranda: | ||
| Average total assets | $366,597,250 | 1,777 |
| Average earning assets | $331,584,500 | 1,799 |
| Average equity | $32,413,500 | 2,051 |
| Average total loans | $186,830,500 | 2,179 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0546% | 7,325 |
| Cost of funding earning assets | 0.4967% | 6,854 |
| Net interest margin | 2.5580% | 7,151 |
| Noninterest income to average assets | 2.4864% | 273 |
| Noninterest expense to average assets | 3.6665% | 1,590 |
| Loan and lease loss provision to assets | 0.0233% | 6,002 |
| Net operating income to assets | 0.7003% | 3,547 |
| Return on assets (ROA) | 0.7003% | 3,655 |
| Pretax return on assets | 1.0978% | 2,862 |
| Return on Equity (ROE) | 8.0344% | 2,933 |
| Retained earnings to average equity (ytd only) | 8.0344% | 1,454 |
| Net charge-offs to loans | 2.1515% | 600 |
| Credit loss provision to net charge-offs | 2.0996% | 5,320 |
| Earnings coverage of net charge-offs (x) | 1.0107% | 4,537 |
| Efficiency ratio | 76.5837% | 2,922 |
| Assets per employee ($millions) | 7.6867% | 518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5344% | 72 |
| Loan loss allowance to noncurrent loans | 60.3505% | 4,430 |
| Noncurrent assets plus other real estate owned to assets | 8.0328% | 573 |
| Noncurrent loans to loans | 10.8275% | 330 |
| Net loans and leases to total assets | 44.7217% | 6,372 |
| Net loans and leases to deposits | 50.6233% | 6,560 |
| Net loans and leases to core deposits | 60.1443% | 6,076 |
| Total domestic deposits to total assets | 88.3422% | 1,942 |
| Equity capital to assets | 8.9240% | 5,684 |
| Core capital (leverage) ratio | 8.8846% | 4,906 |
| Tier 1 risk-based capital ratio | 16.5644% | 2,711 |
| Total risk-based capital ratio | 17.8732% | 2,640 |
| Memoranda: | ||
| Average total assets | $369,286,330 | 1,773 |
| Average earning assets | $332,216,000 | 1,797 |
| Average equity | $32,186,670 | 2,052 |
| Average total loans | $190,379,670 | 2,172 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2032% | 7,337 |
| Cost of funding earning assets | 0.5450% | 6,819 |
| Net interest margin | 2.6582% | 7,064 |
| Noninterest income to average assets | 2.3873% | 287 |
| Noninterest expense to average assets | 3.6498% | 1,653 |
| Loan and lease loss provision to assets | 0.0466% | 5,419 |
| Net operating income to assets | 0.6734% | 3,639 |
| Return on assets (ROA) | 0.6734% | 3,709 |
| Pretax return on assets | 1.0567% | 2,914 |
| Return on Equity (ROE) | 7.8197% | 2,997 |
| Retained earnings to average equity (ytd only) | 7.8197% | 1,803 |
| Net charge-offs to loans | 2.4065% | 490 |
| Credit loss provision to net charge-offs | 3.6226% | 4,444 |
| Earnings coverage of net charge-offs (x) | 0.8585% | 3,995 |
| Efficiency ratio | 76.7882% | 3,017 |
| Assets per employee ($millions) | 7.3147% | 632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5918% | 77 |
| Loan loss allowance to noncurrent loans | 53.9117% | 4,775 |
| Noncurrent assets plus other real estate owned to assets | 9.2502% | 462 |
| Noncurrent loans to loans | 12.2270% | 263 |
| Net loans and leases to total assets | 50.0336% | 5,846 |
| Net loans and leases to deposits | 56.8002% | 6,054 |
| Net loans and leases to core deposits | 71.3562% | 4,875 |
| Total domestic deposits to total assets | 88.0871% | 2,325 |
| Equity capital to assets | 9.1462% | 4,963 |
| Core capital (leverage) ratio | 8.0548% | 6,183 |
| Tier 1 risk-based capital ratio | 15.0434% | 3,402 |
| Total risk-based capital ratio | 16.3517% | 3,333 |
| Memoranda: | ||
| Average total assets | $369,448,500 | 1,788 |
| Average earning assets | $328,793,000 | 1,825 |
| Average equity | $31,817,000 | 2,060 |
| Average total loans | $197,298,500 | 2,133 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3906% | 7,416 |
| Cost of funding earning assets | 0.5178% | 7,273 |
| Net interest margin | 2.8728% | 6,932 |
| Noninterest income to average assets | 2.2444% | 326 |
| Noninterest expense to average assets | 3.5721% | 1,996 |
| Loan and lease loss provision to assets | 1.3054% | 1,176 |
| Net operating income to assets | -0.0163% | 5,871 |
| Return on assets (ROA) | -0.0163% | 5,981 |
| Pretax return on assets | -0.0404% | 5,944 |
| Return on Equity (ROE) | -0.2373% | 5,990 |
| Retained earnings to average equity (ytd only) | -0.2373% | 5,654 |
| Net charge-offs to loans | 6.8231% | 63 |
| Credit loss provision to net charge-offs | 33.0033% | 6,475 |
| Earnings coverage of net charge-offs (x) | 0.3198% | 5,789 |
| Efficiency ratio | 73.8476% | 3,426 |
| Assets per employee ($millions) | 8.0790% | 469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5565% | 75 |
| Loan loss allowance to noncurrent loans | 51.3520% | 4,929 |
| Noncurrent assets plus other real estate owned to assets | 8.8065% | 521 |
| Noncurrent loans to loans | 12.7677% | 243 |
| Net loans and leases to total assets | 49.7660% | 6,187 |
| Net loans and leases to deposits | 54.8148% | 6,536 |
| Net loans and leases to core deposits | 73.2889% | 5,069 |
| Total domestic deposits to total assets | 90.7894% | 697 |
| Equity capital to assets | 8.1283% | 6,347 |
| Core capital (leverage) ratio | 7.3989% | 6,789 |
| Tier 1 risk-based capital ratio | 13.5414% | 4,170 |
| Total risk-based capital ratio | 14.8503% | 4,102 |
| Memoranda: | ||
| Average total assets | $416,195,200 | 1,593 |
| Average earning assets | $375,629,800 | 1,604 |
| Average equity | $28,661,600 | 2,265 |
| Average total loans | $241,268,000 | 1,810 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4690% | 7,540 |
| Cost of funding earning assets | 0.4838% | 7,464 |
| Net interest margin | 2.9852% | 6,863 |
| Noninterest income to average assets | 2.2710% | 314 |
| Noninterest expense to average assets | 3.4018% | 2,286 |
| Loan and lease loss provision to assets | 1.6426% | 784 |
| Net operating income to assets | -0.0261% | 6,055 |
| Return on assets (ROA) | -0.0261% | 6,176 |
| Pretax return on assets | -0.0586% | 6,176 |
| Return on Equity (ROE) | -0.3960% | 6,199 |
| Retained earnings to average equity (ytd only) | -0.3960% | 5,887 |
| Net charge-offs to loans | 8.1928% | 40 |
| Credit loss provision to net charge-offs | 33.9540% | 6,107 |
| Earnings coverage of net charge-offs (x) | 0.3274% | 5,698 |
| Efficiency ratio | 68.2292% | 4,422 |
| Assets per employee ($millions) | 8.6569% | 391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6288% | 80 |
| Loan loss allowance to noncurrent loans | 71.4463% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 7.5426% | 692 |
| Noncurrent loans to loans | 9.2780% | 497 |
| Net loans and leases to total assets | 51.0239% | 6,214 |
| Net loans and leases to deposits | 55.6737% | 6,637 |
| Net loans and leases to core deposits | 76.2378% | 5,028 |
| Total domestic deposits to total assets | 91.6483% | 268 |
| Equity capital to assets | 7.3013% | 7,227 |
| Core capital (leverage) ratio | 6.7877% | 7,253 |
| Tier 1 risk-based capital ratio | 11.7175% | 5,713 |
| Total risk-based capital ratio | 13.0268% | 5,640 |
| Memoranda: | ||
| Average total assets | $423,296,250 | 1,595 |
| Average earning assets | $384,959,500 | 1,587 |
| Average equity | $27,946,750 | 2,341 |
| Average total loans | $249,952,750 | 1,785 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5618% | 7,589 |
| Cost of funding earning assets | 0.4265% | 7,636 |
| Net interest margin | 3.1353% | 6,504 |
| Noninterest income to average assets | 2.2027% | 311 |
| Noninterest expense to average assets | 3.2998% | 2,561 |
| Loan and lease loss provision to assets | 0.7399% | 1,957 |
| Net operating income to assets | 0.6635% | 3,566 |
| Return on assets (ROA) | 0.6635% | 3,712 |
| Pretax return on assets | 1.0374% | 2,988 |
| Return on Equity (ROE) | 10.3879% | 1,966 |
| Retained earnings to average equity (ytd only) | 10.3879% | 768 |
| Net charge-offs to loans | 5.3871% | 179 |
| Credit loss provision to net charge-offs | 22.7396% | 5,824 |
| Earnings coverage of net charge-offs (x) | 0.5462% | 5,190 |
| Efficiency ratio | 64.9936% | 5,153 |
| Assets per employee ($millions) | 9.0325% | 340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.0189% | 38 |
| Loan loss allowance to noncurrent loans | 64.2955% | 4,121 |
| Noncurrent assets plus other real estate owned to assets | 9.0336% | 492 |
| Noncurrent loans to loans | 12.4720% | 257 |
| Net loans and leases to total assets | 52.8505% | 6,123 |
| Net loans and leases to deposits | 57.4785% | 6,617 |
| Net loans and leases to core deposits | 82.7530% | 4,314 |
| Total domestic deposits to total assets | 91.9482% | 226 |
| Equity capital to assets | 6.8071% | 7,407 |
| Core capital (leverage) ratio | 6.1637% | 7,456 |
| Tier 1 risk-based capital ratio | 11.2866% | 5,955 |
| Total risk-based capital ratio | 12.6156% | 5,873 |
| Memoranda: | ||
| Average total assets | $431,656,000 | 1,585 |
| Average earning assets | $395,751,330 | 1,568 |
| Average equity | $27,570,670 | 2,369 |
| Average total loans | $260,733,330 | 1,748 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6316% | 7,664 |
| Cost of funding earning assets | 0.3595% | 7,790 |
| Net interest margin | 3.2721% | 6,066 |
| Noninterest income to average assets | 1.9675% | 348 |
| Noninterest expense to average assets | 3.2101% | 2,819 |
| Loan and lease loss provision to assets | 0.3366% | 3,369 |
| Net operating income to assets | 0.8678% | 2,680 |
| Return on assets (ROA) | 0.8678% | 2,765 |
| Pretax return on assets | 1.4345% | 1,680 |
| Return on Equity (ROE) | 14.0219% | 1,049 |
| Retained earnings to average equity (ytd only) | 14.0219% | 506 |
| Net charge-offs to loans | 8.4142% | 81 |
| Credit loss provision to net charge-offs | 6.4731% | 5,086 |
| Earnings coverage of net charge-offs (x) | 0.3406% | 4,734 |
| Efficiency ratio | 64.4449% | 5,403 |
| Assets per employee ($millions) | 9.8630% | 275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.5076% | 44 |
| Loan loss allowance to noncurrent loans | 63.4895% | 4,204 |
| Noncurrent assets plus other real estate owned to assets | 8.5407% | 552 |
| Noncurrent loans to loans | 11.8250% | 299 |
| Net loans and leases to total assets | 54.5739% | 5,944 |
| Net loans and leases to deposits | 59.0576% | 6,549 |
| Net loans and leases to core deposits | 81.9822% | 4,488 |
| Total domestic deposits to total assets | 92.4080% | 176 |
| Equity capital to assets | 6.3834% | 7,553 |
| Core capital (leverage) ratio | 6.4465% | 7,482 |
| Tier 1 risk-based capital ratio | 10.3333% | 6,778 |
| Total risk-based capital ratio | 11.6565% | 6,709 |
| Memoranda: | ||
| Average total assets | $439,736,500 | 1,594 |
| Average earning assets | $404,996,000 | 1,568 |
| Average equity | $27,214,500 | 2,424 |
| Average total loans | $271,732,500 | 1,729 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3519% | 7,519 |
| Cost of funding earning assets | 0.5708% | 7,788 |
| Net interest margin | 3.7811% | 3,791 |
| Noninterest income to average assets | 2.3939% | 292 |
| Noninterest expense to average assets | 3.6164% | 2,108 |
| Loan and lease loss provision to assets | 7.2727% | 58 |
| Net operating income to assets | -4.2783% | 7,647 |
| Return on assets (ROA) | -4.2783% | 7,646 |
| Pretax return on assets | -4.9756% | 7,705 |
| Return on Equity (ROE) | -43.5642% | 7,616 |
| Retained earnings to average equity (ytd only) | -44.1868% | 7,608 |
| Net charge-offs to loans | 4.1093% | 388 |
| Credit loss provision to net charge-offs | 226.7202% | 1,644 |
| Earnings coverage of net charge-offs (x) | 0.7161% | 5,386 |
| Efficiency ratio | 61.1542% | 6,305 |
| Assets per employee ($millions) | 9.6848% | 286 |
| Cash dividends to net income (ytd only)* | -1.4290% | 7,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.5489% | 33 |
| Loan loss allowance to noncurrent loans | 176.2933% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 4.0922% | 1,615 |
| Noncurrent loans to loans | 4.8492% | 1,416 |
| Net loans and leases to total assets | 58.9977% | 5,487 |
| Net loans and leases to deposits | 74.1888% | 5,009 |
| Net loans and leases to core deposits | 76.3341% | 6,373 |
| Total domestic deposits to total assets | 79.5238% | 5,840 |
| Equity capital to assets | 5.9993% | 7,666 |
| Core capital (leverage) ratio | 5.4453% | 7,723 |
| Tier 1 risk-based capital ratio | 8.9188% | 7,505 |
| Total risk-based capital ratio | 10.2545% | 7,488 |
| Memoranda: | ||
| Average total assets | $407,287,600 | 1,686 |
| Average earning assets | $379,125,800 | 1,660 |
| Average equity | $39,998,400 | 1,671 |
| Average total loans | $317,938,400 | 1,512 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5045% | 7,500 |
| Cost of funding earning assets | 0.6442% | 7,860 |
| Net interest margin | 3.8602% | 3,387 |
| Noninterest income to average assets | 2.3566% | 290 |
| Noninterest expense to average assets | 3.7797% | 1,636 |
| Loan and lease loss provision to assets | 3.0774% | 471 |
| Net operating income to assets | -0.5531% | 6,483 |
| Return on assets (ROA) | -0.5531% | 6,479 |
| Pretax return on assets | -0.8927% | 6,605 |
| Return on Equity (ROE) | -5.0788% | 6,460 |
| Retained earnings to average equity (ytd only) | -5.8452% | 6,371 |
| Net charge-offs to loans | 3.3663% | 455 |
| Credit loss provision to net charge-offs | 111.6788% | 4,549 |
| Earnings coverage of net charge-offs (x) | 0.7928% | 5,259 |
| Efficiency ratio | 63.3712% | 5,866 |
| Assets per employee ($millions) | 7.6635% | 590 |
| Cash dividends to net income (ytd only)* | -15.0908% | 7,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9850% | 674 |
| Loan loss allowance to noncurrent loans | 72.0630% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 4.7506% | 1,251 |
| Noncurrent loans to loans | 4.1422% | 1,753 |
| Net loans and leases to total assets | 82.7367% | 706 |
| Net loans and leases to deposits | 103.5418% | 809 |
| Net loans and leases to core deposits | 103.5418% | 3,987 |
| Total domestic deposits to total assets | 79.9066% | 5,466 |
| Equity capital to assets | 12.0645% | 2,211 |
| Core capital (leverage) ratio | 9.8524% | 3,454 |
| Tier 1 risk-based capital ratio | 12.7952% | 4,326 |
| Total risk-based capital ratio | 14.0630% | 4,256 |
| Memoranda: | ||
| Average total assets | $397,734,000 | 1,747 |
| Average earning assets | $371,711,000 | 1,705 |
| Average equity | $43,316,250 | 1,566 |
| Average total loans | $325,571,500 | 1,498 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3498% | 7,751 |
| Cost of funding earning assets | 0.6898% | 7,924 |
| Net interest margin | 3.6600% | 4,121 |
| Noninterest income to average assets | 2.2519% | 309 |
| Noninterest expense to average assets | 3.6952% | 1,849 |
| Loan and lease loss provision to assets | 2.6075% | 590 |
| Net operating income to assets | -0.3818% | 6,427 |
| Return on assets (ROA) | -0.3818% | 6,437 |
| Pretax return on assets | -0.6192% | 6,544 |
| Return on Equity (ROE) | -3.6165% | 6,436 |
| Retained earnings to average equity (ytd only) | -4.7592% | 6,269 |
| Net charge-offs to loans | 3.3946% | 467 |
| Credit loss provision to net charge-offs | 94.9709% | 4,776 |
| Earnings coverage of net charge-offs (x) | 0.7242% | 4,995 |
| Efficiency ratio | 65.0158% | 5,718 |
| Assets per employee ($millions) | 8.3047% | 437 |
| Cash dividends to net income (ytd only)* | -31.5990% | 7,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3734% | 1,020 |
| Loan loss allowance to noncurrent loans | 59.6696% | 4,479 |
| Noncurrent assets plus other real estate owned to assets | 4.4187% | 1,280 |
| Noncurrent loans to loans | 3.9775% | 1,711 |
| Net loans and leases to total assets | 81.4531% | 1,059 |
| Net loans and leases to deposits | 98.9631% | 1,396 |
| Net loans and leases to core deposits | 98.9631% | 4,601 |
| Total domestic deposits to total assets | 82.3065% | 4,566 |
| Equity capital to assets | 11.1171% | 2,823 |
| Core capital (leverage) ratio | 8.9865% | 4,653 |
| Tier 1 risk-based capital ratio | 12.1363% | 4,812 |
| Total risk-based capital ratio | 13.3963% | 4,710 |
| Memoranda: | ||
| Average total assets | $412,804,330 | 1,704 |
| Average earning assets | $387,050,670 | 1,675 |
| Average equity | $43,578,330 | 1,560 |
| Average total loans | $333,882,000 | 1,494 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1268% | 7,930 |
| Cost of funding earning assets | 0.8564% | 7,858 |
| Net interest margin | 3.2704% | 5,617 |
| Noninterest income to average assets | 2.1120% | 329 |
| Noninterest expense to average assets | 3.0817% | 3,442 |
| Loan and lease loss provision to assets | 1.0188% | 1,289 |
| Net operating income to assets | 0.6924% | 3,596 |
| Return on assets (ROA) | 0.6924% | 3,782 |
| Pretax return on assets | 1.0914% | 3,021 |
| Return on Equity (ROE) | 6.7229% | 3,704 |
| Retained earnings to average equity (ytd only) | 4.4423% | 3,451 |
| Net charge-offs to loans | 0.7503% | 1,692 |
| Credit loss provision to net charge-offs | 170.3470% | 2,519 |
| Earnings coverage of net charge-offs (x) | 3.5284% | 3,152 |
| Efficiency ratio | 59.3568% | 6,502 |
| Assets per employee ($millions) | 8.7987% | 382 |
| Cash dividends to net income (ytd only)* | 33.9237% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5033% | 762 |
| Loan loss allowance to noncurrent loans | 46.0058% | 5,441 |
| Noncurrent assets plus other real estate owned to assets | 4.4467% | 1,088 |
| Noncurrent loans to loans | 5.4413% | 955 |
| Net loans and leases to total assets | 79.6758% | 1,446 |
| Net loans and leases to deposits | 122.5173% | 244 |
| Net loans and leases to core deposits | 122.5173% | 2,209 |
| Total domestic deposits to total assets | 65.0322% | 7,789 |
| Equity capital to assets | 10.8608% | 3,113 |
| Core capital (leverage) ratio | 9.6387% | 3,835 |
| Tier 1 risk-based capital ratio | 11.9850% | 4,978 |
| Total risk-based capital ratio | 13.2474% | 4,851 |
| Memoranda: | ||
| Average total assets | $424,047,000 | 1,681 |
| Average earning assets | $399,337,000 | 1,635 |
| Average equity | $43,671,500 | 1,560 |
| Average total loans | $337,995,000 | 1,486 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2115% | 7,679 |
| Cost of funding earning assets | 1.7735% | 7,081 |
| Net interest margin | 3.4381% | 5,513 |
| Noninterest income to average assets | 2.1540% | 306 |
| Noninterest expense to average assets | 2.8158% | 4,756 |
| Loan and lease loss provision to assets | 1.6115% | 812 |
| Net operating income to assets | 0.5726% | 4,428 |
| Return on assets (ROA) | 0.5842% | 4,242 |
| Pretax return on assets | 0.9264% | 3,635 |
| Return on Equity (ROE) | 7.1796% | 3,439 |
| Retained earnings to average equity (ytd only) | 5.6830% | 1,675 |
| Net charge-offs to loans | 0.8412% | 1,493 |
| Credit loss provision to net charge-offs | 267.2796% | 1,728 |
| Earnings coverage of net charge-offs (x) | 4.1791% | 4,075 |
| Efficiency ratio | 52.7749% | 7,407 |
| Assets per employee ($millions) | 9.4468% | 305 |
| Cash dividends to net income (ytd only)* | 20.8442% | 4,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3707% | 782 |
| Loan loss allowance to noncurrent loans | 72.6366% | 4,436 |
| Noncurrent assets plus other real estate owned to assets | 2.5389% | 1,910 |
| Noncurrent loans to loans | 3.2638% | 1,603 |
| Net loans and leases to total assets | 75.9456% | 2,636 |
| Net loans and leases to deposits | 157.6249% | 71 |
| Net loans and leases to core deposits | 157.6249% | 630 |
| Total domestic deposits to total assets | 48.1812% | 8,139 |
| Equity capital to assets | 9.7638% | 4,340 |
| Core capital (leverage) ratio | 8.2828% | 5,989 |
| Tier 1 risk-based capital ratio | 11.1362% | 5,610 |
| Total risk-based capital ratio | 12.3969% | 5,483 |
| Memoranda: | ||
| Average total assets | $523,119,000 | 1,290 |
| Average earning assets | $484,080,000 | 1,272 |
| Average equity | $42,565,200 | 1,573 |
| Average total loans | $374,934,400 | 1,296 |