Home > Buena Vista National Bank > Performance and Condition Ratios
Buena Vista National Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5006% | 2,094 |
| Cost of funding earning assets | 1.6035% | 2,959 |
| Net interest margin | 3.8971% | 1,472 |
| Noninterest income to average assets | 0.7000% | 1,050 |
| Noninterest expense to average assets | 2.5233% | 2,232 |
| Loan and lease loss provision to assets | 0.1000% | 1,293 |
| Net operating income to assets | 1.2159% | 1,695 |
| Return on assets (ROA) | 1.2159% | 1,694 |
| Pretax return on assets | 1.6279% | 1,242 |
| Return on Equity (ROE) | 12.1600% | 1,705 |
| Retained earnings to average equity (ytd only) | 12.1578% | 770 |
| Net charge-offs to loans | 0.0297% | 1,408 |
| Credit loss provision to net charge-offs | 535.7143% | 512 |
| Earnings coverage of net charge-offs (x) | 96.7857% | 711 |
| Efficiency ratio | 59.4190% | 3,035 |
| Assets per employee ($millions) | 4.9882% | 3,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4649% | 1,111 |
| Loan loss allowance to noncurrent loans | 321.7290% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 0.2907% | 2,113 |
| Noncurrent loans to loans | 0.4553% | 1,985 |
| Net loans and leases to total assets | 58.0200% | 3,041 |
| Net loans and leases to deposits | 68.8438% | 2,933 |
| Net loans and leases to core deposits | 75.3017% | 3,002 |
| Total domestic deposits to total assets | 84.2800% | 2,814 |
| Equity capital to assets | 10.1712% | 2,115 |
| Core capital (leverage) ratio | 10.6878% | 2,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9890% | 1,071 |
| Memoranda: | ||
| Average total assets | $314,506,500 | 2,416 |
| Average earning assets | $286,367,000 | 2,441 |
| Average equity | $31,453,000 | 2,362 |
| Average total loans | $188,646,000 | 2,490 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3594% | 2,413 |
| Cost of funding earning assets | 1.5905% | 3,189 |
| Net interest margin | 3.7688% | 1,559 |
| Noninterest income to average assets | 0.7800% | 955 |
| Noninterest expense to average assets | 2.7914% | 1,518 |
| Loan and lease loss provision to assets | 0.1100% | 1,276 |
| Net operating income to assets | 0.9750% | 2,140 |
| Return on assets (ROA) | 0.9648% | 2,169 |
| Pretax return on assets | 1.2891% | 1,780 |
| Return on Equity (ROE) | 9.7200% | 2,234 |
| Retained earnings to average equity (ytd only) | 7.0384% | 1,420 |
| Net charge-offs to loans | 0.0083% | 2,611 |
| Credit loss provision to net charge-offs | 2,133.3333% | 221 |
| Earnings coverage of net charge-offs (x) | 282.0000% | 395 |
| Efficiency ratio | 66.4605% | 2,438 |
| Assets per employee ($millions) | 4.9170% | 3,705 |
| Cash dividends to net income (ytd only)* | 27.6148% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4226% | 1,238 |
| Loan loss allowance to noncurrent loans | 692.2879% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.1256% | 2,835 |
| Noncurrent loans to loans | 0.2055% | 2,695 |
| Net loans and leases to total assets | 60.2400% | 2,919 |
| Net loans and leases to deposits | 71.2875% | 2,852 |
| Net loans and leases to core deposits | 77.8046% | 2,923 |
| Total domestic deposits to total assets | 84.5000% | 2,660 |
| Equity capital to assets | 9.8250% | 2,237 |
| Core capital (leverage) ratio | 10.8908% | 2,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5575% | 1,141 |
| Memoranda: | ||
| Average total assets | $300,281,400 | 2,459 |
| Average earning assets | $272,550,000 | 2,491 |
| Average equity | $29,793,800 | 2,380 |
| Average total loans | $180,814,200 | 2,507 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3343% | 2,400 |
| Cost of funding earning assets | 1.5954% | 3,184 |
| Net interest margin | 3.7390% | 1,568 |
| Noninterest income to average assets | 0.7700% | 943 |
| Noninterest expense to average assets | 2.7354% | 1,602 |
| Loan and lease loss provision to assets | 0.0900% | 1,382 |
| Net operating income to assets | 0.9971% | 2,067 |
| Return on assets (ROA) | 0.9833% | 2,111 |
| Pretax return on assets | 1.3163% | 1,724 |
| Return on Equity (ROE) | 9.8800% | 2,234 |
| Retained earnings to average equity (ytd only) | 9.8850% | 882 |
| Net charge-offs to loans | -0.0060% | 3,895 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 65.8124% | 2,510 |
| Assets per employee ($millions) | 5.1027% | 3,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4030% | 1,331 |
| Loan loss allowance to noncurrent loans | 935.3791% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.0920% | 3,083 |
| Noncurrent loans to loans | 0.1500% | 2,936 |
| Net loans and leases to total assets | 60.4800% | 2,883 |
| Net loans and leases to deposits | 71.3430% | 2,870 |
| Net loans and leases to core deposits | 77.5278% | 2,979 |
| Total domestic deposits to total assets | 84.7800% | 2,368 |
| Equity capital to assets | 10.7082% | 1,865 |
| Core capital (leverage) ratio | 11.0906% | 1,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0268% | 1,092 |
| Memoranda: | ||
| Average total assets | $297,909,250 | 2,469 |
| Average earning assets | $270,192,000 | 2,500 |
| Average equity | $29,633,500 | 2,387 |
| Average total loans | $178,693,250 | 2,519 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1952% | 2,558 |
| Cost of funding earning assets | 1.5512% | 3,174 |
| Net interest margin | 3.6440% | 1,702 |
| Noninterest income to average assets | 0.7400% | 995 |
| Noninterest expense to average assets | 2.7616% | 1,542 |
| Loan and lease loss provision to assets | 0.0800% | 1,436 |
| Net operating income to assets | 0.9027% | 2,303 |
| Return on assets (ROA) | 0.8819% | 2,369 |
| Pretax return on assets | 1.1770% | 1,999 |
| Return on Equity (ROE) | 9.1000% | 2,422 |
| Retained earnings to average equity (ytd only) | 9.1012% | 1,076 |
| Net charge-offs to loans | 0.0192% | 1,778 |
| Credit loss provision to net charge-offs | 705.8824% | 502 |
| Earnings coverage of net charge-offs (x) | 112.1176% | 722 |
| Efficiency ratio | 68.2598% | 2,302 |
| Assets per employee ($millions) | 4.9371% | 3,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3450% | 1,558 |
| Loan loss allowance to noncurrent loans | 833.1104% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.1009% | 2,963 |
| Noncurrent loans to loans | 0.1614% | 2,862 |
| Net loans and leases to total assets | 61.6800% | 2,797 |
| Net loans and leases to deposits | 73.5894% | 2,721 |
| Net loans and leases to core deposits | 79.0970% | 2,853 |
| Total domestic deposits to total assets | 83.8100% | 2,663 |
| Equity capital to assets | 9.9685% | 2,090 |
| Core capital (leverage) ratio | 10.9240% | 2,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5552% | 1,157 |
| Memoranda: | ||
| Average total assets | $296,859,667 | 2,466 |
| Average earning assets | $269,597,333 | 2,497 |
| Average equity | $28,765,333 | 2,400 |
| Average total loans | $176,697,000 | 2,526 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0391% | 2,712 |
| Cost of funding earning assets | 1.5105% | 3,169 |
| Net interest margin | 3.5286% | 1,849 |
| Noninterest income to average assets | 0.7100% | 1,002 |
| Noninterest expense to average assets | 2.6408% | 1,843 |
| Loan and lease loss provision to assets | 0.0600% | 1,561 |
| Net operating income to assets | 0.9083% | 2,214 |
| Return on assets (ROA) | 0.8668% | 2,347 |
| Pretax return on assets | 1.1589% | 1,987 |
| Return on Equity (ROE) | 9.0800% | 2,368 |
| Retained earnings to average equity (ytd only) | 9.0757% | 1,304 |
| Net charge-offs to loans | 0.0441% | 1,089 |
| Credit loss provision to net charge-offs | 236.8421% | 751 |
| Earnings coverage of net charge-offs (x) | 49.7368% | 964 |
| Efficiency ratio | 67.4923% | 2,433 |
| Assets per employee ($millions) | 5.0443% | 3,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3724% | 1,480 |
| Loan loss allowance to noncurrent loans | 515.8120% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.1572% | 2,598 |
| Noncurrent loans to loans | 0.2661% | 2,362 |
| Net loans and leases to total assets | 58.2900% | 3,030 |
| Net loans and leases to deposits | 69.2536% | 2,950 |
| Net loans and leases to core deposits | 74.2463% | 3,096 |
| Total domestic deposits to total assets | 84.1700% | 2,662 |
| Equity capital to assets | 9.5758% | 2,271 |
| Core capital (leverage) ratio | 10.6970% | 2,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7377% | 1,132 |
| Memoranda: | ||
| Average total assets | $297,177,500 | 2,478 |
| Average earning assets | $269,571,500 | 2,505 |
| Average equity | $28,383,500 | 2,427 |
| Average total loans | $172,446,500 | 2,554 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6883% | 2,710 |
| Cost of funding earning assets | 1.0140% | 3,266 |
| Net interest margin | 3.6743% | 1,805 |
| Noninterest income to average assets | 0.9100% | 750 |
| Noninterest expense to average assets | 2.7878% | 1,537 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 0.9950% | 2,236 |
| Return on assets (ROA) | 0.9880% | 2,238 |
| Pretax return on assets | 1.2953% | 1,879 |
| Return on Equity (ROE) | 10.4600% | 2,370 |
| Retained earnings to average equity (ytd only) | 8.5650% | 1,376 |
| Net charge-offs to loans | 0.0324% | 1,647 |
| Credit loss provision to net charge-offs | 730.7692% | 515 |
| Earnings coverage of net charge-offs (x) | 77.7308% | 1,042 |
| Efficiency ratio | 65.8730% | 2,371 |
| Assets per employee ($millions) | 4.6365% | 3,863 |
| Cash dividends to net income (ytd only)* | 18.0832% | 3,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4130% | 1,345 |
| Loan loss allowance to noncurrent loans | 555.3488% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.1449% | 2,555 |
| Noncurrent loans to loans | 0.2544% | 2,273 |
| Net loans and leases to total assets | 56.1500% | 3,181 |
| Net loans and leases to deposits | 66.6568% | 3,131 |
| Net loans and leases to core deposits | 70.5013% | 3,279 |
| Total domestic deposits to total assets | 84.2300% | 2,552 |
| Equity capital to assets | 9.5262% | 2,329 |
| Core capital (leverage) ratio | 10.6796% | 2,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8252% | 1,111 |
| Memoranda: | ||
| Average total assets | $279,867,200 | 2,527 |
| Average earning assets | $252,862,200 | 2,551 |
| Average equity | $26,444,800 | 2,439 |
| Average total loans | $160,454,600 | 2,600 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6233% | 2,626 |
| Cost of funding earning assets | 0.9256% | 3,213 |
| Net interest margin | 3.6977% | 1,777 |
| Noninterest income to average assets | 0.9700% | 676 |
| Noninterest expense to average assets | 2.7203% | 1,603 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.1191% | 1,993 |
| Return on assets (ROA) | 1.1096% | 2,004 |
| Pretax return on assets | 1.4564% | 1,659 |
| Return on Equity (ROE) | 11.7700% | 2,187 |
| Retained earnings to average equity (ytd only) | 11.7688% | 1,016 |
| Net charge-offs to loans | -0.0051% | 3,749 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 63.2265% | 2,592 |
| Assets per employee ($millions) | 4.5522% | 3,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3418% | 1,689 |
| Loan loss allowance to noncurrent loans | 920.4000% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.1041% | 2,878 |
| Noncurrent loans to loans | 0.1458% | 2,824 |
| Net loans and leases to total assets | 60.9300% | 2,756 |
| Net loans and leases to deposits | 72.9274% | 2,652 |
| Net loans and leases to core deposits | 77.1669% | 2,785 |
| Total domestic deposits to total assets | 83.5400% | 2,892 |
| Equity capital to assets | 9.3001% | 2,222 |
| Core capital (leverage) ratio | 10.9596% | 2,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7209% | 1,153 |
| Memoranda: | ||
| Average total assets | $275,649,250 | 2,553 |
| Average earning assets | $248,763,500 | 2,584 |
| Average equity | $25,989,000 | 2,448 |
| Average total loans | $158,318,750 | 2,619 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5558% | 2,518 |
| Cost of funding earning assets | 0.8388% | 3,102 |
| Net interest margin | 3.7170% | 1,789 |
| Noninterest income to average assets | 1.0100% | 559 |
| Noninterest expense to average assets | 2.7137% | 1,608 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.2131% | 1,799 |
| Return on assets (ROA) | 1.2125% | 1,784 |
| Pretax return on assets | 1.5820% | 1,444 |
| Return on Equity (ROE) | 12.8000% | 1,947 |
| Retained earnings to average equity (ytd only) | 12.8016% | 836 |
| Net charge-offs to loans | -0.0351% | 4,283 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 62.2144% | 2,689 |
| Assets per employee ($millions) | 4.7464% | 3,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3882% | 1,572 |
| Loan loss allowance to noncurrent loans | 732.9966% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.1132% | 2,740 |
| Noncurrent loans to loans | 0.1894% | 2,521 |
| Net loans and leases to total assets | 55.2200% | 3,174 |
| Net loans and leases to deposits | 65.7455% | 3,075 |
| Net loans and leases to core deposits | 68.8705% | 3,195 |
| Total domestic deposits to total assets | 84.0000% | 2,815 |
| Equity capital to assets | 9.5267% | 2,140 |
| Core capital (leverage) ratio | 10.7112% | 2,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2489% | 1,074 |
| Memoranda: | ||
| Average total assets | $274,971,000 | 2,555 |
| Average earning assets | $248,213,667 | 2,592 |
| Average equity | $26,043,667 | 2,461 |
| Average total loans | $153,931,333 | 2,640 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4572% | 2,412 |
| Cost of funding earning assets | 0.7708% | 2,836 |
| Net interest margin | 3.6864% | 1,929 |
| Noninterest income to average assets | 1.0800% | 514 |
| Noninterest expense to average assets | 2.5929% | 1,971 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.3684% | 1,493 |
| Return on assets (ROA) | 1.3684% | 1,462 |
| Pretax return on assets | 1.7531% | 1,167 |
| Return on Equity (ROE) | 14.4900% | 1,664 |
| Retained earnings to average equity (ytd only) | 14.4909% | 867 |
| Net charge-offs to loans | -0.0525% | 4,375 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.7687% | 3,098 |
| Assets per employee ($millions) | 4.7205% | 3,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3803% | 1,698 |
| Loan loss allowance to noncurrent loans | 767.1480% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 0.0995% | 2,836 |
| Noncurrent loans to loans | 0.1799% | 2,579 |
| Net loans and leases to total assets | 54.5100% | 3,157 |
| Net loans and leases to deposits | 64.8905% | 3,020 |
| Net loans and leases to core deposits | 68.4797% | 3,057 |
| Total domestic deposits to total assets | 84.0100% | 3,093 |
| Equity capital to assets | 9.4212% | 2,211 |
| Core capital (leverage) ratio | 10.5641% | 2,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1619% | 1,135 |
| Memoranda: | ||
| Average total assets | $272,439,000 | 2,602 |
| Average earning assets | $245,982,500 | 2,632 |
| Average equity | $25,726,500 | 2,502 |
| Average total loans | $152,485,500 | 2,683 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7840% | 2,321 |
| Cost of funding earning assets | 0.2489% | 3,331 |
| Net interest margin | 3.5351% | 1,822 |
| Noninterest income to average assets | 0.8600% | 871 |
| Noninterest expense to average assets | 2.7758% | 1,365 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.9237% | 2,870 |
| Return on assets (ROA) | 0.9433% | 2,741 |
| Pretax return on assets | 1.2570% | 2,255 |
| Return on Equity (ROE) | 9.2200% | 3,060 |
| Retained earnings to average equity (ytd only) | 5.4873% | 2,832 |
| Net charge-offs to loans | 0.0936% | 759 |
| Credit loss provision to net charge-offs | 102.4390% | 1,538 |
| Earnings coverage of net charge-offs (x) | 27.2764% | 1,736 |
| Efficiency ratio | 68.4354% | 1,909 |
| Assets per employee ($millions) | 4.4395% | 4,077 |
| Cash dividends to net income (ytd only)* | 40.4531% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9005% | 3,768 |
| Loan loss allowance to noncurrent loans | 483.9858% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.1055% | 2,789 |
| Noncurrent loans to loans | 0.1861% | 2,557 |
| Net loans and leases to total assets | 56.1800% | 3,010 |
| Net loans and leases to deposits | 67.4598% | 2,772 |
| Net loans and leases to core deposits | 70.7099% | 2,823 |
| Total domestic deposits to total assets | 83.2900% | 3,357 |
| Equity capital to assets | 9.4658% | 2,038 |
| Core capital (leverage) ratio | 10.8285% | 1,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9050% | 1,142 |
| Memoranda: | ||
| Average total assets | $262,048,800 | 2,654 |
| Average earning assets | $236,681,800 | 2,696 |
| Average equity | $26,825,800 | 2,489 |
| Average total loans | $131,448,600 | 2,812 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6165% | 2,299 |
| Cost of funding earning assets | 0.1898% | 3,398 |
| Net interest margin | 3.4267% | 1,882 |
| Noninterest income to average assets | 0.8500% | 928 |
| Noninterest expense to average assets | 2.7057% | 1,459 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.8975% | 2,872 |
| Return on assets (ROA) | 0.9237% | 2,749 |
| Pretax return on assets | 1.2282% | 2,262 |
| Return on Equity (ROE) | 8.8500% | 3,077 |
| Retained earnings to average equity (ytd only) | 8.8532% | 1,702 |
| Net charge-offs to loans | 0.0442% | 1,048 |
| Credit loss provision to net charge-offs | 228.5714% | 926 |
| Earnings coverage of net charge-offs (x) | 57.9762% | 1,189 |
| Efficiency ratio | 68.5034% | 1,955 |
| Assets per employee ($millions) | 4.5096% | 4,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0089% | 3,429 |
| Loan loss allowance to noncurrent loans | 282.2000% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 0.1879% | 2,346 |
| Noncurrent loans to loans | 0.3575% | 1,954 |
| Net loans and leases to total assets | 52.0300% | 3,276 |
| Net loans and leases to deposits | 61.8637% | 3,032 |
| Net loans and leases to core deposits | 64.5464% | 3,067 |
| Total domestic deposits to total assets | 84.1100% | 3,478 |
| Equity capital to assets | 8.9963% | 2,221 |
| Core capital (leverage) ratio | 11.2430% | 1,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3687% | 1,319 |
| Memoranda: | ||
| Average total assets | $260,968,750 | 2,679 |
| Average earning assets | $236,024,250 | 2,713 |
| Average equity | $27,228,750 | 2,500 |
| Average total loans | $126,556,000 | 2,863 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4798% | 2,196 |
| Cost of funding earning assets | 0.1773% | 3,212 |
| Net interest margin | 3.3025% | 1,902 |
| Noninterest income to average assets | 0.8640% | 919 |
| Noninterest expense to average assets | 2.7199% | 1,342 |
| Loan and lease loss provision to assets | 0.0509% | 1,670 |
| Net operating income to assets | 0.8166% | 2,895 |
| Return on assets (ROA) | 0.8501% | 2,752 |
| Pretax return on assets | 1.1239% | 2,327 |
| Return on Equity (ROE) | 7.7807% | 3,079 |
| Retained earnings to average equity (ytd only) | 7.7807% | 1,700 |
| Net charge-offs to loans | 0.0639% | 773 |
| Credit loss provision to net charge-offs | 169.2308% | 1,046 |
| Earnings coverage of net charge-offs (x) | 37.6410% | 1,286 |
| Efficiency ratio | 70.6047% | 1,871 |
| Assets per employee ($millions) | 4.4395% | 4,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0380% | 3,429 |
| Loan loss allowance to noncurrent loans | 160.7433% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 0.3287% | 1,684 |
| Noncurrent loans to loans | 0.6458% | 1,325 |
| Net loans and leases to total assets | 50.3757% | 3,331 |
| Net loans and leases to deposits | 58.3885% | 3,186 |
| Net loans and leases to core deposits | 60.1719% | 3,261 |
| Total domestic deposits to total assets | 86.2768% | 3,176 |
| Equity capital to assets | 10.0581% | 1,685 |
| Core capital (leverage) ratio | 11.2061% | 1,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4592% | 1,311 |
| Memoranda: | ||
| Average total assets | $259,270,333 | 2,715 |
| Average earning assets | $234,611,000 | 2,757 |
| Average equity | $28,326,333 | 2,507 |
| Average total loans | $122,124,000 | 2,921 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4071% | 2,068 |
| Cost of funding earning assets | 0.1815% | 3,073 |
| Net interest margin | 3.2256% | 1,802 |
| Noninterest income to average assets | 0.8653% | 899 |
| Noninterest expense to average assets | 2.6533% | 1,471 |
| Loan and lease loss provision to assets | 0.0465% | 1,530 |
| Net operating income to assets | 0.8159% | 2,611 |
| Return on assets (ROA) | 0.8808% | 2,360 |
| Pretax return on assets | 1.1693% | 1,919 |
| Return on Equity (ROE) | 7.7498% | 2,779 |
| Retained earnings to average equity (ytd only) | 7.7498% | 1,654 |
| Net charge-offs to loans | 0.0343% | 957 |
| Credit loss provision to net charge-offs | 300.0000% | 662 |
| Earnings coverage of net charge-offs (x) | 73.1000% | 781 |
| Efficiency ratio | 70.0655% | 2,218 |
| Assets per employee ($millions) | 4.4215% | 4,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1863% | 2,929 |
| Loan loss allowance to noncurrent loans | 305.3215% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 0.1759% | 2,567 |
| Noncurrent loans to loans | 0.3886% | 2,094 |
| Net loans and leases to total assets | 44.7246% | 3,683 |
| Net loans and leases to deposits | 51.1431% | 3,637 |
| Net loans and leases to core deposits | 52.3750% | 3,704 |
| Total domestic deposits to total assets | 87.4500% | 2,761 |
| Equity capital to assets | 10.7944% | 1,445 |
| Core capital (leverage) ratio | 11.1157% | 1,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8660% | 1,064 |
| Memoranda: | ||
| Average total assets | $257,941,500 | 2,736 |
| Average earning assets | $233,629,000 | 2,775 |
| Average equity | $29,317,000 | 2,523 |
| Average total loans | $116,520,000 | 2,975 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2812% | 3,268 |
| Cost of funding earning assets | 0.1996% | 3,464 |
| Net interest margin | 3.0816% | 2,960 |
| Noninterest income to average assets | 1.1135% | 843 |
| Noninterest expense to average assets | 2.5954% | 1,880 |
| Loan and lease loss provision to assets | 0.0470% | 2,117 |
| Net operating income to assets | 0.9570% | 2,843 |
| Return on assets (ROA) | 0.9642% | 2,884 |
| Pretax return on assets | 1.2820% | 2,411 |
| Return on Equity (ROE) | 7.8644% | 3,258 |
| Retained earnings to average equity (ytd only) | 4.0281% | 3,213 |
| Net charge-offs to loans | 0.0026% | 2,530 |
| Credit loss provision to net charge-offs | 4,000.0000% | 175 |
| Earnings coverage of net charge-offs (x) | 1,122.6667% | 128 |
| Efficiency ratio | 66.2863% | 2,224 |
| Assets per employee ($millions) | 4.6328% | 4,012 |
| Cash dividends to net income (ytd only)* | 48.7805% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1601% | 3,080 |
| Loan loss allowance to noncurrent loans | 287.5000% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.1819% | 2,664 |
| Noncurrent loans to loans | 0.4035% | 2,150 |
| Net loans and leases to total assets | 44.5624% | 3,792 |
| Net loans and leases to deposits | 51.6706% | 3,758 |
| Net loans and leases to core deposits | 53.0474% | 3,825 |
| Total domestic deposits to total assets | 86.2432% | 2,823 |
| Equity capital to assets | 11.9305% | 1,280 |
| Core capital (leverage) ratio | 10.6170% | 1,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $255,142,800 | 2,691 |
| Average earning assets | $231,990,000 | 2,732 |
| Average equity | $31,280,200 | 2,451 |
| Average total loans | $115,822,800 | 2,987 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2607% | 3,483 |
| Cost of funding earning assets | 0.2034% | 3,573 |
| Net interest margin | 3.0573% | 3,156 |
| Noninterest income to average assets | 1.1813% | 820 |
| Noninterest expense to average assets | 2.5567% | 1,965 |
| Loan and lease loss provision to assets | 0.0472% | 2,054 |
| Net operating income to assets | 1.0154% | 2,851 |
| Return on assets (ROA) | 1.0249% | 2,884 |
| Pretax return on assets | 1.3660% | 2,448 |
| Return on Equity (ROE) | 8.3028% | 3,312 |
| Retained earnings to average equity (ytd only) | 8.3028% | 1,952 |
| Net charge-offs to loans | -0.0265% | 4,087 |
| Credit loss provision to net charge-offs | -391.3043% | 3,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5982% | 2,301 |
| Assets per employee ($millions) | 4.4061% | 4,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2052% | 2,969 |
| Loan loss allowance to noncurrent loans | 235.3043% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 0.2250% | 2,656 |
| Noncurrent loans to loans | 0.5122% | 2,022 |
| Net loans and leases to total assets | 43.3999% | 3,998 |
| Net loans and leases to deposits | 50.7291% | 3,972 |
| Net loans and leases to core deposits | 52.1076% | 4,032 |
| Total domestic deposits to total assets | 85.5523% | 2,926 |
| Equity capital to assets | 12.5937% | 1,138 |
| Core capital (leverage) ratio | 11.3461% | 1,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $254,069,500 | 2,722 |
| Average earning assets | $230,743,750 | 2,761 |
| Average equity | $31,362,250 | 2,482 |
| Average total loans | $115,536,500 | 3,033 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2677% | 3,514 |
| Cost of funding earning assets | 0.2082% | 3,669 |
| Net interest margin | 3.0595% | 3,149 |
| Noninterest income to average assets | 1.2501% | 750 |
| Noninterest expense to average assets | 2.4955% | 2,158 |
| Loan and lease loss provision to assets | 0.0473% | 2,075 |
| Net operating income to assets | 1.1120% | 2,498 |
| Return on assets (ROA) | 1.1263% | 2,514 |
| Pretax return on assets | 1.5065% | 1,994 |
| Return on Equity (ROE) | 9.1867% | 3,045 |
| Retained earnings to average equity (ytd only) | 9.1867% | 1,653 |
| Net charge-offs to loans | 0.0292% | 1,371 |
| Credit loss provision to net charge-offs | 352.9412% | 817 |
| Earnings coverage of net charge-offs (x) | 114.5294% | 689 |
| Efficiency ratio | 61.9057% | 2,741 |
| Assets per employee ($millions) | 4.3533% | 4,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1186% | 3,334 |
| Loan loss allowance to noncurrent loans | 188.9543% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 0.3014% | 2,413 |
| Noncurrent loans to loans | 0.5920% | 1,920 |
| Net loans and leases to total assets | 44.9161% | 3,980 |
| Net loans and leases to deposits | 52.5037% | 3,965 |
| Net loans and leases to core deposits | 53.8601% | 4,027 |
| Total domestic deposits to total assets | 85.5485% | 2,892 |
| Equity capital to assets | 12.5299% | 1,118 |
| Core capital (leverage) ratio | 11.0708% | 1,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $253,574,000 | 2,717 |
| Average earning assets | $230,497,000 | 2,761 |
| Average equity | $31,088,333 | 2,486 |
| Average total loans | $116,627,333 | 3,039 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2293% | 3,629 |
| Cost of funding earning assets | 0.2176% | 3,748 |
| Net interest margin | 3.0117% | 3,227 |
| Noninterest income to average assets | 1.2199% | 829 |
| Noninterest expense to average assets | 2.5217% | 2,115 |
| Loan and lease loss provision to assets | 0.0472% | 2,133 |
| Net operating income to assets | 1.0326% | 2,705 |
| Return on assets (ROA) | 1.0326% | 2,784 |
| Pretax return on assets | 1.3742% | 2,352 |
| Return on Equity (ROE) | 8.5156% | 3,182 |
| Retained earnings to average equity (ytd only) | 8.5156% | 2,095 |
| Net charge-offs to loans | 0.0918% | 735 |
| Credit loss provision to net charge-offs | 111.1111% | 1,068 |
| Earnings coverage of net charge-offs (x) | 33.4444% | 1,055 |
| Efficiency ratio | 63.9521% | 2,470 |
| Assets per employee ($millions) | 4.3092% | 4,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0651% | 3,594 |
| Loan loss allowance to noncurrent loans | 80.2972% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 0.6254% | 1,519 |
| Noncurrent loans to loans | 1.3264% | 978 |
| Net loans and leases to total assets | 44.6568% | 4,071 |
| Net loans and leases to deposits | 51.8655% | 4,054 |
| Net loans and leases to core deposits | 53.1593% | 4,137 |
| Total domestic deposits to total assets | 86.1011% | 2,697 |
| Equity capital to assets | 11.9902% | 1,289 |
| Core capital (leverage) ratio | 11.0725% | 1,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $254,114,500 | 2,708 |
| Average earning assets | $229,772,000 | 2,750 |
| Average equity | $30,814,000 | 2,494 |
| Average total loans | $117,594,500 | 3,035 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9867% | 2,773 |
| Cost of funding earning assets | 0.3723% | 3,755 |
| Net interest margin | 3.6144% | 2,092 |
| Noninterest income to average assets | 1.2176% | 753 |
| Noninterest expense to average assets | 2.7436% | 2,108 |
| Loan and lease loss provision to assets | 0.1100% | 2,969 |
| Net operating income to assets | 1.2193% | 1,487 |
| Return on assets (ROA) | 1.2193% | 1,599 |
| Pretax return on assets | 1.5929% | 1,089 |
| Return on Equity (ROE) | 9.3397% | 2,266 |
| Retained earnings to average equity (ytd only) | 4.3841% | 2,599 |
| Net charge-offs to loans | 0.1004% | 1,466 |
| Credit loss provision to net charge-offs | 219.8276% | 2,069 |
| Earnings coverage of net charge-offs (x) | 34.0345% | 1,502 |
| Efficiency ratio | 61.7034% | 3,189 |
| Assets per employee ($millions) | 4.1613% | 4,244 |
| Cash dividends to net income (ytd only)* | 53.0598% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0465% | 3,698 |
| Loan loss allowance to noncurrent loans | 160.0000% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 0.3460% | 2,601 |
| Noncurrent loans to loans | 0.6541% | 2,047 |
| Net loans and leases to total assets | 46.9587% | 4,059 |
| Net loans and leases to deposits | 54.7940% | 4,079 |
| Net loans and leases to core deposits | 56.2102% | 4,142 |
| Total domestic deposits to total assets | 85.7003% | 2,489 |
| Equity capital to assets | 12.2666% | 1,440 |
| Core capital (leverage) ratio | 11.1342% | 1,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $231,848,400 | 2,702 |
| Average earning assets | $207,115,000 | 2,767 |
| Average equity | $30,268,800 | 2,469 |
| Average total loans | $115,492,000 | 3,029 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1152% | 2,642 |
| Cost of funding earning assets | 0.4095% | 3,769 |
| Net interest margin | 3.7057% | 1,923 |
| Noninterest income to average assets | 1.2735% | 672 |
| Noninterest expense to average assets | 2.7746% | 2,043 |
| Loan and lease loss provision to assets | 0.1289% | 2,737 |
| Net operating income to assets | 1.2859% | 1,389 |
| Return on assets (ROA) | 1.2859% | 1,494 |
| Pretax return on assets | 1.6705% | 1,027 |
| Return on Equity (ROE) | 9.6885% | 2,137 |
| Retained earnings to average equity (ytd only) | 9.6885% | 832 |
| Net charge-offs to loans | 0.1232% | 1,144 |
| Credit loss provision to net charge-offs | 207.5472% | 2,084 |
| Earnings coverage of net charge-offs (x) | 28.9528% | 1,621 |
| Efficiency ratio | 60.6589% | 3,281 |
| Assets per employee ($millions) | 4.0324% | 4,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0378% | 3,526 |
| Loan loss allowance to noncurrent loans | 106.1135% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 0.4846% | 2,261 |
| Noncurrent loans to loans | 0.9780% | 1,528 |
| Net loans and leases to total assets | 48.6982% | 4,175 |
| Net loans and leases to deposits | 57.5395% | 4,185 |
| Net loans and leases to core deposits | 59.3699% | 4,240 |
| Total domestic deposits to total assets | 84.6345% | 2,579 |
| Equity capital to assets | 13.2374% | 1,089 |
| Core capital (leverage) ratio | 11.6246% | 1,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $227,391,250 | 2,719 |
| Average earning assets | $202,528,750 | 2,789 |
| Average equity | $30,179,250 | 2,464 |
| Average total loans | $114,743,750 | 3,045 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2638% | 2,563 |
| Cost of funding earning assets | 0.4482% | 3,802 |
| Net interest margin | 3.8155% | 1,793 |
| Noninterest income to average assets | 1.3739% | 549 |
| Noninterest expense to average assets | 2.8005% | 2,096 |
| Loan and lease loss provision to assets | 0.1653% | 2,346 |
| Net operating income to assets | 1.4016% | 1,111 |
| Return on assets (ROA) | 1.4016% | 1,203 |
| Pretax return on assets | 1.8072% | 804 |
| Return on Equity (ROE) | 10.5510% | 1,793 |
| Retained earnings to average equity (ytd only) | 10.5510% | 682 |
| Net charge-offs to loans | 0.1228% | 1,108 |
| Credit loss provision to net charge-offs | 264.2857% | 1,708 |
| Earnings coverage of net charge-offs (x) | 31.5429% | 1,392 |
| Efficiency ratio | 58.6749% | 3,598 |
| Assets per employee ($millions) | 3.9152% | 4,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0484% | 3,327 |
| Loan loss allowance to noncurrent loans | 92.8244% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 0.5928% | 2,034 |
| Noncurrent loans to loans | 1.1294% | 1,392 |
| Net loans and leases to total assets | 47.2813% | 4,298 |
| Net loans and leases to deposits | 55.4910% | 4,312 |
| Net loans and leases to core deposits | 57.6810% | 4,365 |
| Total domestic deposits to total assets | 85.2053% | 2,304 |
| Equity capital to assets | 12.6883% | 1,288 |
| Core capital (leverage) ratio | 11.5928% | 1,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $223,885,000 | 2,726 |
| Average earning assets | $199,447,000 | 2,784 |
| Average equity | $29,741,333 | 2,483 |
| Average total loans | $113,967,333 | 3,047 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5557% | 2,135 |
| Cost of funding earning assets | 0.4880% | 3,995 |
| Net interest margin | 4.0678% | 1,203 |
| Noninterest income to average assets | 1.0725% | 734 |
| Noninterest expense to average assets | 3.0216% | 1,836 |
| Loan and lease loss provision to assets | 0.0560% | 3,065 |
| Net operating income to assets | 1.2385% | 1,411 |
| Return on assets (ROA) | 1.2385% | 1,512 |
| Pretax return on assets | 1.6022% | 1,048 |
| Return on Equity (ROE) | 9.0922% | 2,076 |
| Retained earnings to average equity (ytd only) | 9.0922% | 953 |
| Net charge-offs to loans | 0.0885% | 1,165 |
| Credit loss provision to net charge-offs | 120.0000% | 1,708 |
| Earnings coverage of net charge-offs (x) | 35.5600% | 1,080 |
| Efficiency ratio | 64.5676% | 3,137 |
| Assets per employee ($millions) | 3.4930% | 4,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9912% | 3,758 |
| Loan loss allowance to noncurrent loans | 113.3197% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 0.5269% | 2,411 |
| Noncurrent loans to loans | 0.8747% | 1,863 |
| Net loans and leases to total assets | 51.0154% | 4,177 |
| Net loans and leases to deposits | 60.7653% | 4,173 |
| Net loans and leases to core deposits | 63.6027% | 4,192 |
| Total domestic deposits to total assets | 83.9549% | 2,803 |
| Equity capital to assets | 13.7682% | 1,135 |
| Core capital (leverage) ratio | 12.1216% | 1,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $214,456,000 | 2,756 |
| Average earning assets | $190,177,500 | 2,829 |
| Average equity | $29,212,000 | 2,502 |
| Average total loans | $112,957,000 | 3,046 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7963% | 2,050 |
| Cost of funding earning assets | 0.5137% | 4,032 |
| Net interest margin | 4.2826% | 1,129 |
| Noninterest income to average assets | 1.0210% | 934 |
| Noninterest expense to average assets | 3.0591% | 1,855 |
| Loan and lease loss provision to assets | 0.0648% | 2,733 |
| Net operating income to assets | 1.2723% | 1,792 |
| Return on assets (ROA) | 1.2761% | 1,862 |
| Pretax return on assets | 1.6729% | 1,264 |
| Return on Equity (ROE) | 9.3143% | 2,602 |
| Retained earnings to average equity (ytd only) | 3.9837% | 2,968 |
| Net charge-offs to loans | 0.1226% | 1,532 |
| Credit loss provision to net charge-offs | 95.6835% | 2,580 |
| Earnings coverage of net charge-offs (x) | 25.6043% | 1,726 |
| Efficiency ratio | 63.8387% | 3,090 |
| Assets per employee ($millions) | 3.4250% | 4,546 |
| Cash dividends to net income (ytd only)* | 57.2301% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9630% | 3,683 |
| Loan loss allowance to noncurrent loans | 120.4595% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 0.4874% | 2,461 |
| Noncurrent loans to loans | 0.7995% | 1,911 |
| Net loans and leases to total assets | 53.3210% | 4,127 |
| Net loans and leases to deposits | 63.3900% | 4,111 |
| Net loans and leases to core deposits | 66.2435% | 4,181 |
| Total domestic deposits to total assets | 84.1157% | 2,816 |
| Equity capital to assets | 13.4718% | 1,286 |
| Core capital (leverage) ratio | 11.9991% | 1,782 |
| Tier 1 risk-based capital ratio | 16.8065% | 2,122 |
| Total risk-based capital ratio | 17.5459% | 2,239 |
| Memoranda: | ||
| Average total assets | $205,386,600 | 2,799 |
| Average earning assets | $180,849,400 | 2,877 |
| Average equity | $28,139,600 | 2,487 |
| Average total loans | $113,359,800 | 3,030 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8017% | 2,113 |
| Cost of funding earning assets | 0.5202% | 4,062 |
| Net interest margin | 4.2815% | 1,195 |
| Noninterest income to average assets | 0.9873% | 962 |
| Noninterest expense to average assets | 3.1040% | 1,703 |
| Loan and lease loss provision to assets | 0.0674% | 2,535 |
| Net operating income to assets | 1.2112% | 2,156 |
| Return on assets (ROA) | 1.2112% | 2,230 |
| Pretax return on assets | 1.5824% | 1,692 |
| Return on Equity (ROE) | 8.8022% | 2,957 |
| Retained earnings to average equity (ytd only) | 8.8022% | 1,100 |
| Net charge-offs to loans | 0.0813% | 1,669 |
| Credit loss provision to net charge-offs | 149.2754% | 1,642 |
| Earnings coverage of net charge-offs (x) | 36.5209% | 1,450 |
| Efficiency ratio | 65.2940% | 2,815 |
| Assets per employee ($millions) | 3.2947% | 4,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9957% | 3,593 |
| Loan loss allowance to noncurrent loans | 92.8397% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 0.6037% | 2,194 |
| Noncurrent loans to loans | 1.0725% | 1,481 |
| Net loans and leases to total assets | 54.6554% | 4,121 |
| Net loans and leases to deposits | 65.5409% | 4,094 |
| Net loans and leases to core deposits | 68.1046% | 4,170 |
| Total domestic deposits to total assets | 83.3913% | 3,028 |
| Equity capital to assets | 14.1348% | 1,095 |
| Core capital (leverage) ratio | 12.6924% | 1,485 |
| Tier 1 risk-based capital ratio | 17.2536% | 2,009 |
| Total risk-based capital ratio | 18.0195% | 2,107 |
| Memoranda: | ||
| Average total assets | $203,646,250 | 2,831 |
| Average earning assets | $179,153,000 | 2,916 |
| Average equity | $28,022,750 | 2,511 |
| Average total loans | $113,118,000 | 3,073 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7699% | 2,161 |
| Cost of funding earning assets | 0.5257% | 4,005 |
| Net interest margin | 4.2441% | 1,254 |
| Noninterest income to average assets | 0.9252% | 1,024 |
| Noninterest expense to average assets | 3.0622% | 1,831 |
| Loan and lease loss provision to assets | 0.0593% | 2,637 |
| Net operating income to assets | 1.1802% | 2,223 |
| Return on assets (ROA) | 1.1802% | 2,292 |
| Pretax return on assets | 1.5380% | 1,734 |
| Return on Equity (ROE) | 8.6572% | 2,997 |
| Retained earnings to average equity (ytd only) | 8.6572% | 1,141 |
| Net charge-offs to loans | 0.0107% | 2,750 |
| Credit loss provision to net charge-offs | 1,000.0000% | 340 |
| Earnings coverage of net charge-offs (x) | 269.3333% | 296 |
| Efficiency ratio | 65.7191% | 2,851 |
| Assets per employee ($millions) | 3.0168% | 4,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0099% | 3,563 |
| Loan loss allowance to noncurrent loans | 91.7787% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 0.6318% | 2,142 |
| Noncurrent loans to loans | 1.1004% | 1,492 |
| Net loans and leases to total assets | 55.4728% | 4,108 |
| Net loans and leases to deposits | 66.3019% | 4,081 |
| Net loans and leases to core deposits | 69.0304% | 4,152 |
| Total domestic deposits to total assets | 83.6669% | 2,988 |
| Equity capital to assets | 13.9094% | 1,155 |
| Core capital (leverage) ratio | 12.5548% | 1,509 |
| Tier 1 risk-based capital ratio | 17.1322% | 2,049 |
| Total risk-based capital ratio | 18.2210% | 2,037 |
| Memoranda: | ||
| Average total assets | $202,339,670 | 2,855 |
| Average earning assets | $178,033,670 | 2,938 |
| Average equity | $27,584,000 | 2,529 |
| Average total loans | $112,628,330 | 3,095 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7537% | 2,046 |
| Cost of funding earning assets | 0.5572% | 3,794 |
| Net interest margin | 4.1964% | 1,309 |
| Noninterest income to average assets | 0.8898% | 1,065 |
| Noninterest expense to average assets | 3.2667% | 1,354 |
| Loan and lease loss provision to assets | 0.0597% | 2,460 |
| Net operating income to assets | 0.9754% | 2,946 |
| Return on assets (ROA) | 0.9754% | 2,989 |
| Pretax return on assets | 1.2362% | 2,678 |
| Return on Equity (ROE) | 7.2301% | 3,583 |
| Retained earnings to average equity (ytd only) | 7.2301% | 1,958 |
| Net charge-offs to loans | 0.0036% | 2,600 |
| Credit loss provision to net charge-offs | 3,000.0000% | 138 |
| Earnings coverage of net charge-offs (x) | 651.0000% | 104 |
| Efficiency ratio | 71.5969% | 2,097 |
| Assets per employee ($millions) | 3.1483% | 4,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0259% | 3,548 |
| Loan loss allowance to noncurrent loans | 122.2820% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 0.4774% | 2,698 |
| Noncurrent loans to loans | 0.8389% | 1,958 |
| Net loans and leases to total assets | 54.3953% | 4,183 |
| Net loans and leases to deposits | 64.9260% | 4,130 |
| Net loans and leases to core deposits | 67.6524% | 4,202 |
| Total domestic deposits to total assets | 83.7803% | 3,124 |
| Equity capital to assets | 13.6925% | 1,131 |
| Core capital (leverage) ratio | 12.2520% | 1,634 |
| Tier 1 risk-based capital ratio | 17.1566% | 2,063 |
| Total risk-based capital ratio | 18.0235% | 2,136 |
| Memoranda: | ||
| Average total assets | $200,938,500 | 2,897 |
| Average earning assets | $175,864,500 | 2,992 |
| Average equity | $27,109,000 | 2,564 |
| Average total loans | $111,463,000 | 3,143 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5968% | 2,137 |
| Cost of funding earning assets | 0.3709% | 4,150 |
| Net interest margin | 4.2259% | 1,337 |
| Noninterest income to average assets | 0.9136% | 1,148 |
| Noninterest expense to average assets | 3.0672% | 1,875 |
| Loan and lease loss provision to assets | 0.0581% | 3,000 |
| Net operating income to assets | 1.2115% | 2,117 |
| Return on assets (ROA) | 1.2177% | 2,086 |
| Pretax return on assets | 1.5145% | 1,733 |
| Return on Equity (ROE) | 9.5099% | 2,741 |
| Retained earnings to average equity (ytd only) | 3.8380% | 3,469 |
| Net charge-offs to loans | 0.1377% | 1,380 |
| Credit loss provision to net charge-offs | 80.5369% | 2,856 |
| Earnings coverage of net charge-offs (x) | 21.6913% | 1,933 |
| Efficiency ratio | 66.2172% | 2,837 |
| Assets per employee ($millions) | 3.1807% | 4,856 |
| Cash dividends to net income (ytd only)* | 59.6421% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9867% | 3,776 |
| Loan loss allowance to noncurrent loans | 117.3913% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 0.5200% | 2,514 |
| Noncurrent loans to loans | 0.8405% | 1,922 |
| Net loans and leases to total assets | 55.4337% | 4,169 |
| Net loans and leases to deposits | 67.8836% | 3,984 |
| Net loans and leases to core deposits | 70.8129% | 4,074 |
| Total domestic deposits to total assets | 81.6600% | 3,733 |
| Equity capital to assets | 13.2888% | 1,221 |
| Core capital (leverage) ratio | 11.9308% | 1,781 |
| Tier 1 risk-based capital ratio | 16.0946% | 2,375 |
| Total risk-based capital ratio | 16.8477% | 2,498 |
| Memoranda: | ||
| Average total assets | $206,542,200 | 2,799 |
| Average earning assets | $181,735,200 | 2,899 |
| Average equity | $26,446,000 | 2,542 |
| Average total loans | $108,193,600 | 3,166 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4917% | 2,332 |
| Cost of funding earning assets | 0.3448% | 4,221 |
| Net interest margin | 4.1469% | 1,502 |
| Noninterest income to average assets | 0.9253% | 1,122 |
| Noninterest expense to average assets | 3.1103% | 1,737 |
| Loan and lease loss provision to assets | 0.0577% | 2,827 |
| Net operating income to assets | 1.1132% | 2,610 |
| Return on assets (ROA) | 1.1213% | 2,581 |
| Pretax return on assets | 1.4283% | 2,124 |
| Return on Equity (ROE) | 8.8381% | 3,162 |
| Retained earnings to average equity (ytd only) | 8.8381% | 1,287 |
| Net charge-offs to loans | 0.1045% | 1,440 |
| Credit loss provision to net charge-offs | 107.1429% | 2,150 |
| Earnings coverage of net charge-offs (x) | 27.4160% | 1,704 |
| Efficiency ratio | 67.8217% | 2,569 |
| Assets per employee ($millions) | 3.0577% | 4,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0364% | 3,552 |
| Loan loss allowance to noncurrent loans | 148.6979% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 0.4966% | 2,715 |
| Noncurrent loans to loans | 0.6970% | 2,336 |
| Net loans and leases to total assets | 54.8671% | 4,304 |
| Net loans and leases to deposits | 67.1550% | 4,112 |
| Net loans and leases to core deposits | 69.1295% | 4,242 |
| Total domestic deposits to total assets | 81.7022% | 3,689 |
| Equity capital to assets | 13.5672% | 1,114 |
| Core capital (leverage) ratio | 12.1790% | 1,677 |
| Tier 1 risk-based capital ratio | 17.2349% | 2,008 |
| Total risk-based capital ratio | 18.0438% | 2,117 |
| Memoranda: | ||
| Average total assets | $208,081,000 | 2,812 |
| Average earning assets | $183,682,500 | 2,907 |
| Average equity | $26,400,250 | 2,558 |
| Average total loans | $107,194,750 | 3,208 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4142% | 2,369 |
| Cost of funding earning assets | 0.3329% | 4,183 |
| Net interest margin | 4.0813% | 1,612 |
| Noninterest income to average assets | 0.9129% | 1,147 |
| Noninterest expense to average assets | 3.0873% | 1,821 |
| Loan and lease loss provision to assets | 0.0568% | 2,775 |
| Net operating income to assets | 1.0630% | 2,739 |
| Return on assets (ROA) | 1.0720% | 2,706 |
| Pretax return on assets | 1.3798% | 2,218 |
| Return on Equity (ROE) | 8.6373% | 3,201 |
| Retained earnings to average equity (ytd only) | 8.6373% | 1,339 |
| Net charge-offs to loans | 0.0433% | 1,999 |
| Credit loss provision to net charge-offs | 260.8696% | 1,108 |
| Earnings coverage of net charge-offs (x) | 65.4348% | 948 |
| Efficiency ratio | 68.4155% | 2,575 |
| Assets per employee ($millions) | 3.0814% | 5,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1092% | 3,206 |
| Loan loss allowance to noncurrent loans | 118.8450% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 0.6728% | 2,216 |
| Noncurrent loans to loans | 0.9333% | 1,859 |
| Net loans and leases to total assets | 50.6544% | 4,570 |
| Net loans and leases to deposits | 59.7841% | 4,540 |
| Net loans and leases to core deposits | 61.2301% | 4,647 |
| Total domestic deposits to total assets | 84.7288% | 2,782 |
| Equity capital to assets | 12.8818% | 1,356 |
| Core capital (leverage) ratio | 11.4395% | 2,123 |
| Tier 1 risk-based capital ratio | 16.7773% | 2,172 |
| Total risk-based capital ratio | 17.6097% | 2,254 |
| Memoranda: | ||
| Average total assets | $211,191,000 | 2,800 |
| Average earning assets | $186,263,000 | 2,901 |
| Average equity | $26,212,000 | 2,575 |
| Average total loans | $106,196,000 | 3,235 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3494% | 2,357 |
| Cost of funding earning assets | 0.3252% | 4,165 |
| Net interest margin | 4.0242% | 1,644 |
| Noninterest income to average assets | 0.8503% | 1,301 |
| Noninterest expense to average assets | 3.3265% | 1,302 |
| Loan and lease loss provision to assets | 0.0562% | 2,647 |
| Net operating income to assets | 0.8091% | 3,669 |
| Return on assets (ROA) | 0.8091% | 3,678 |
| Pretax return on assets | 1.0133% | 3,487 |
| Return on Equity (ROE) | 6.6409% | 3,931 |
| Retained earnings to average equity (ytd only) | 6.6409% | 2,437 |
| Net charge-offs to loans | 0.0413% | 1,709 |
| Credit loss provision to net charge-offs | 272.7273% | 874 |
| Earnings coverage of net charge-offs (x) | 51.9091% | 931 |
| Efficiency ratio | 75.6711% | 1,643 |
| Assets per employee ($millions) | 3.1824% | 5,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0892% | 3,455 |
| Loan loss allowance to noncurrent loans | 132.1510% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 0.6080% | 2,485 |
| Noncurrent loans to loans | 0.8242% | 2,171 |
| Net loans and leases to total assets | 49.9372% | 4,563 |
| Net loans and leases to deposits | 58.4951% | 4,564 |
| Net loans and leases to core deposits | 59.8711% | 4,662 |
| Total domestic deposits to total assets | 85.3698% | 2,798 |
| Equity capital to assets | 12.3554% | 1,573 |
| Core capital (leverage) ratio | 11.0082% | 2,429 |
| Tier 1 risk-based capital ratio | 16.2730% | 2,367 |
| Total risk-based capital ratio | 17.0942% | 2,482 |
| Memoranda: | ||
| Average total assets | $213,559,500 | 2,804 |
| Average earning assets | $188,163,000 | 2,903 |
| Average equity | $26,020,500 | 2,614 |
| Average total loans | $106,418,500 | 3,255 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3200% | 2,262 |
| Cost of funding earning assets | 0.3309% | 3,867 |
| Net interest margin | 3.9892% | 1,781 |
| Noninterest income to average assets | 1.1248% | 804 |
| Noninterest expense to average assets | 2.8825% | 2,513 |
| Loan and lease loss provision to assets | 0.1213% | 1,888 |
| Net operating income to assets | 1.0321% | 2,116 |
| Return on assets (ROA) | 1.0581% | 2,047 |
| Pretax return on assets | 1.6447% | 1,177 |
| Return on Equity (ROE) | 8.5783% | 2,507 |
| Retained earnings to average equity (ytd only) | 2.9023% | 3,569 |
| Net charge-offs to loans | 0.1580% | 1,542 |
| Credit loss provision to net charge-offs | 158.5366% | 1,686 |
| Earnings coverage of net charge-offs (x) | 22.5427% | 1,846 |
| Efficiency ratio | 62.5544% | 3,852 |
| Assets per employee ($millions) | 3.4457% | 4,772 |
| Cash dividends to net income (ytd only)* | 66.1667% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0637% | 3,521 |
| Loan loss allowance to noncurrent loans | 84.1481% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 0.6942% | 2,236 |
| Noncurrent loans to loans | 1.2641% | 1,392 |
| Net loans and leases to total assets | 48.6726% | 4,724 |
| Net loans and leases to deposits | 56.7604% | 4,756 |
| Net loans and leases to core deposits | 58.0423% | 4,849 |
| Total domestic deposits to total assets | 85.7509% | 2,552 |
| Equity capital to assets | 12.0186% | 1,824 |
| Core capital (leverage) ratio | 10.6469% | 2,698 |
| Tier 1 risk-based capital ratio | 15.7526% | 2,532 |
| Total risk-based capital ratio | 16.5432% | 2,641 |
| Memoranda: | ||
| Average total assets | $214,261,200 | 2,773 |
| Average earning assets | $187,082,200 | 2,896 |
| Average equity | $26,427,200 | 2,583 |
| Average total loans | $103,787,800 | 3,288 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3214% | 2,205 |
| Cost of funding earning assets | 0.3357% | 3,811 |
| Net interest margin | 3.9857% | 1,755 |
| Noninterest income to average assets | 1.1756% | 743 |
| Noninterest expense to average assets | 2.9063% | 2,382 |
| Loan and lease loss provision to assets | 0.0968% | 2,168 |
| Net operating income to assets | 1.1990% | 1,696 |
| Return on assets (ROA) | 1.2387% | 1,577 |
| Pretax return on assets | 1.6963% | 1,138 |
| Return on Equity (ROE) | 9.9778% | 2,145 |
| Retained earnings to average equity (ytd only) | 9.9778% | 591 |
| Net charge-offs to loans | 0.0906% | 1,891 |
| Credit loss provision to net charge-offs | 221.4286% | 1,250 |
| Earnings coverage of net charge-offs (x) | 39.7861% | 1,301 |
| Efficiency ratio | 62.5672% | 3,801 |
| Assets per employee ($millions) | 3.4400% | 4,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0551% | 3,760 |
| Loan loss allowance to noncurrent loans | 106.1321% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 0.5589% | 2,849 |
| Noncurrent loans to loans | 0.9941% | 1,945 |
| Net loans and leases to total assets | 49.4674% | 4,736 |
| Net loans and leases to deposits | 58.3586% | 4,737 |
| Net loans and leases to core deposits | 59.5124% | 4,839 |
| Total domestic deposits to total assets | 84.7645% | 2,812 |
| Equity capital to assets | 13.0173% | 1,386 |
| Core capital (leverage) ratio | 11.3998% | 2,097 |
| Tier 1 risk-based capital ratio | 16.9135% | 2,177 |
| Total risk-based capital ratio | 17.7134% | 2,284 |
| Memoranda: | ||
| Average total assets | $213,556,250 | 2,805 |
| Average earning assets | $185,892,250 | 2,932 |
| Average equity | $26,511,500 | 2,597 |
| Average total loans | $103,036,000 | 3,331 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3058% | 2,101 |
| Cost of funding earning assets | 0.3414% | 3,673 |
| Net interest margin | 3.9644% | 1,728 |
| Noninterest income to average assets | 0.9829% | 1,061 |
| Noninterest expense to average assets | 2.8570% | 2,555 |
| Loan and lease loss provision to assets | 0.0328% | 3,341 |
| Net operating income to assets | 1.0607% | 2,164 |
| Return on assets (ROA) | 1.1177% | 1,945 |
| Pretax return on assets | 1.5989% | 1,346 |
| Return on Equity (ROE) | 9.1514% | 2,438 |
| Retained earnings to average equity (ytd only) | 9.1514% | 793 |
| Net charge-offs to loans | 0.0471% | 2,273 |
| Credit loss provision to net charge-offs | 145.8333% | 1,551 |
| Earnings coverage of net charge-offs (x) | 69.0000% | 846 |
| Efficiency ratio | 64.8258% | 3,530 |
| Assets per employee ($millions) | 3.4097% | 4,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0045% | 4,120 |
| Loan loss allowance to noncurrent loans | 80.0457% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 0.6727% | 2,533 |
| Noncurrent loans to loans | 1.2549% | 1,539 |
| Net loans and leases to total assets | 47.4666% | 4,855 |
| Net loans and leases to deposits | 55.5700% | 4,871 |
| Net loans and leases to core deposits | 56.9573% | 4,958 |
| Total domestic deposits to total assets | 85.4175% | 2,638 |
| Equity capital to assets | 12.3760% | 1,686 |
| Core capital (leverage) ratio | 11.3377% | 2,095 |
| Tier 1 risk-based capital ratio | 16.4943% | 2,327 |
| Total risk-based capital ratio | 17.2495% | 2,448 |
| Memoranda: | ||
| Average total assets | $213,649,000 | 2,817 |
| Average earning assets | $184,542,670 | 2,962 |
| Average equity | $26,094,330 | 2,623 |
| Average total loans | $101,838,670 | 3,364 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2905% | 1,982 |
| Cost of funding earning assets | 0.3482% | 3,553 |
| Net interest margin | 3.9422% | 1,635 |
| Noninterest income to average assets | 0.9879% | 1,027 |
| Noninterest expense to average assets | 3.0601% | 1,983 |
| Loan and lease loss provision to assets | 0.0284% | 3,200 |
| Net operating income to assets | 0.9386% | 2,569 |
| Return on assets (ROA) | 0.9822% | 2,428 |
| Pretax return on assets | 1.3664% | 2,003 |
| Return on Equity (ROE) | 8.0974% | 2,874 |
| Retained earnings to average equity (ytd only) | 8.0974% | 1,422 |
| Net charge-offs to loans | 0.0438% | 1,956 |
| Credit loss provision to net charge-offs | 136.3636% | 1,275 |
| Earnings coverage of net charge-offs (x) | 64.0909% | 770 |
| Efficiency ratio | 69.6382% | 2,948 |
| Assets per employee ($millions) | 3.3541% | 4,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0224% | 4,147 |
| Loan loss allowance to noncurrent loans | 92.8000% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 0.5963% | 2,861 |
| Noncurrent loans to loans | 1.1017% | 1,857 |
| Net loans and leases to total assets | 47.0845% | 4,886 |
| Net loans and leases to deposits | 55.0360% | 4,877 |
| Net loans and leases to core deposits | 56.5125% | 4,952 |
| Total domestic deposits to total assets | 85.5521% | 2,861 |
| Equity capital to assets | 12.1517% | 1,736 |
| Core capital (leverage) ratio | 10.9733% | 2,380 |
| Tier 1 risk-based capital ratio | 16.5883% | 2,325 |
| Total risk-based capital ratio | 17.3677% | 2,450 |
| Memoranda: | ||
| Average total assets | $211,363,000 | 2,877 |
| Average earning assets | $182,638,000 | 3,008 |
| Average equity | $25,638,000 | 2,673 |
| Average total loans | $100,441,500 | 3,413 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3620% | 1,947 |
| Cost of funding earning assets | 0.3775% | 3,231 |
| Net interest margin | 3.9845% | 1,677 |
| Noninterest income to average assets | 0.9806% | 1,198 |
| Noninterest expense to average assets | 2.8534% | 2,835 |
| Loan and lease loss provision to assets | 0.0541% | 3,303 |
| Net operating income to assets | 1.0731% | 2,024 |
| Return on assets (ROA) | 1.0911% | 2,033 |
| Pretax return on assets | 1.5436% | 1,453 |
| Return on Equity (ROE) | 8.9138% | 2,463 |
| Retained earnings to average equity (ytd only) | 3.1506% | 3,666 |
| Net charge-offs to loans | 0.0422% | 3,192 |
| Credit loss provision to net charge-offs | 280.4878% | 1,042 |
| Earnings coverage of net charge-offs (x) | 81.5366% | 704 |
| Efficiency ratio | 64.4740% | 3,856 |
| Assets per employee ($millions) | 3.1525% | 5,212 |
| Cash dividends to net income (ytd only)* | 64.6552% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0530% | 3,991 |
| Loan loss allowance to noncurrent loans | 94.5455% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 0.6041% | 2,911 |
| Noncurrent loans to loans | 1.1137% | 1,860 |
| Net loans and leases to total assets | 46.9695% | 4,958 |
| Net loans and leases to deposits | 54.8957% | 4,972 |
| Net loans and leases to core deposits | 56.4130% | 5,033 |
| Total domestic deposits to total assets | 85.5612% | 2,801 |
| Equity capital to assets | 12.1073% | 1,739 |
| Core capital (leverage) ratio | 10.7369% | 2,613 |
| Tier 1 risk-based capital ratio | 16.7899% | 2,231 |
| Total risk-based capital ratio | 17.5881% | 2,346 |
| Memoranda: | ||
| Average total assets | $212,620,400 | 2,829 |
| Average earning assets | $183,838,600 | 2,975 |
| Average equity | $26,027,000 | 2,633 |
| Average total loans | $97,097,200 | 3,441 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3514% | 1,994 |
| Cost of funding earning assets | 0.3787% | 3,240 |
| Net interest margin | 3.9727% | 1,733 |
| Noninterest income to average assets | 0.9743% | 1,203 |
| Noninterest expense to average assets | 2.8436% | 2,851 |
| Loan and lease loss provision to assets | 0.0561% | 3,123 |
| Net operating income to assets | 1.0561% | 2,168 |
| Return on assets (ROA) | 1.0797% | 2,188 |
| Pretax return on assets | 1.5500% | 1,534 |
| Return on Equity (ROE) | 8.7968% | 2,604 |
| Retained earnings to average equity (ytd only) | 8.7968% | 879 |
| Net charge-offs to loans | 0.0331% | 2,977 |
| Credit loss provision to net charge-offs | 375.0000% | 884 |
| Earnings coverage of net charge-offs (x) | 105.0391% | 636 |
| Efficiency ratio | 64.3927% | 3,869 |
| Assets per employee ($millions) | 3.1339% | 5,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0493% | 4,129 |
| Loan loss allowance to noncurrent loans | 98.6616% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 0.5666% | 3,208 |
| Noncurrent loans to loans | 1.0636% | 2,120 |
| Net loans and leases to total assets | 47.0499% | 5,015 |
| Net loans and leases to deposits | 55.7263% | 5,014 |
| Net loans and leases to core deposits | 57.5500% | 5,075 |
| Total domestic deposits to total assets | 84.4303% | 3,052 |
| Equity capital to assets | 13.2374% | 1,379 |
| Core capital (leverage) ratio | 10.9428% | 2,513 |
| Tier 1 risk-based capital ratio | 17.8268% | 1,966 |
| Total risk-based capital ratio | 18.6320% | 2,068 |
| Memoranda: | ||
| Average total assets | $213,759,250 | 2,831 |
| Average earning assets | $185,194,000 | 2,968 |
| Average equity | $26,236,000 | 2,639 |
| Average total loans | $96,679,750 | 3,458 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2642% | 2,276 |
| Cost of funding earning assets | 0.3774% | 3,277 |
| Net interest margin | 3.8868% | 2,024 |
| Noninterest income to average assets | 0.9006% | 1,373 |
| Noninterest expense to average assets | 2.7686% | 3,139 |
| Loan and lease loss provision to assets | 0.0555% | 3,036 |
| Net operating income to assets | 1.0071% | 2,358 |
| Return on assets (ROA) | 1.0071% | 2,491 |
| Pretax return on assets | 1.4320% | 1,897 |
| Return on Equity (ROE) | 8.4163% | 2,789 |
| Retained earnings to average equity (ytd only) | 8.4163% | 1,040 |
| Net charge-offs to loans | 0.0458% | 2,558 |
| Credit loss provision to net charge-offs | 272.7273% | 1,034 |
| Earnings coverage of net charge-offs (x) | 73.0455% | 749 |
| Efficiency ratio | 65.0500% | 3,839 |
| Assets per employee ($millions) | 3.4054% | 4,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0502% | 4,233 |
| Loan loss allowance to noncurrent loans | 104.0415% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 0.5547% | 3,360 |
| Noncurrent loans to loans | 1.0094% | 2,269 |
| Net loans and leases to total assets | 43.4043% | 5,263 |
| Net loans and leases to deposits | 50.9007% | 5,295 |
| Net loans and leases to core deposits | 52.4600% | 5,347 |
| Total domestic deposits to total assets | 85.2725% | 2,745 |
| Equity capital to assets | 12.2728% | 1,923 |
| Core capital (leverage) ratio | 10.4244% | 3,051 |
| Tier 1 risk-based capital ratio | 17.3808% | 2,104 |
| Total risk-based capital ratio | 18.1678% | 2,206 |
| Memoranda: | ||
| Average total assets | $216,066,330 | 2,817 |
| Average earning assets | $186,528,330 | 2,967 |
| Average equity | $25,854,670 | 2,679 |
| Average total loans | $96,123,330 | 3,478 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3409% | 1,995 |
| Cost of funding earning assets | 0.3893% | 3,199 |
| Net interest margin | 3.9516% | 1,780 |
| Noninterest income to average assets | 0.8795% | 1,358 |
| Noninterest expense to average assets | 2.8169% | 3,009 |
| Loan and lease loss provision to assets | 0.0558% | 2,830 |
| Net operating income to assets | 0.9892% | 2,327 |
| Return on assets (ROA) | 0.9892% | 2,439 |
| Pretax return on assets | 1.4038% | 1,897 |
| Return on Equity (ROE) | 8.3753% | 2,719 |
| Retained earnings to average equity (ytd only) | 8.3753% | 1,310 |
| Net charge-offs to loans | -0.0291% | 5,051 |
| Credit loss provision to net charge-offs | -428.5714% | 4,516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8696% | 3,825 |
| Assets per employee ($millions) | 3.5365% | 4,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0561% | 4,306 |
| Loan loss allowance to noncurrent loans | 91.0163% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 0.6294% | 3,174 |
| Noncurrent loans to loans | 1.1604% | 2,084 |
| Net loans and leases to total assets | 42.8556% | 5,305 |
| Net loans and leases to deposits | 49.9049% | 5,343 |
| Net loans and leases to core deposits | 51.3456% | 5,393 |
| Total domestic deposits to total assets | 85.8744% | 2,724 |
| Equity capital to assets | 11.7781% | 2,179 |
| Core capital (leverage) ratio | 10.4309% | 3,037 |
| Tier 1 risk-based capital ratio | 17.0407% | 2,275 |
| Total risk-based capital ratio | 17.8337% | 2,395 |
| Memoranda: | ||
| Average total assets | $215,126,500 | 2,832 |
| Average earning assets | $184,937,000 | 2,998 |
| Average equity | $25,408,000 | 2,713 |
| Average total loans | $96,384,000 | 3,485 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4347% | 1,791 |
| Cost of funding earning assets | 0.4293% | 2,855 |
| Net interest margin | 4.0054% | 1,698 |
| Noninterest income to average assets | 0.9842% | 1,218 |
| Noninterest expense to average assets | 2.8778% | 2,936 |
| Loan and lease loss provision to assets | 0.0523% | 3,267 |
| Net operating income to assets | 1.0417% | 2,164 |
| Return on assets (ROA) | 1.0450% | 2,236 |
| Pretax return on assets | 1.4941% | 1,573 |
| Return on Equity (ROE) | 8.7717% | 2,584 |
| Retained earnings to average equity (ytd only) | 2.7828% | 4,095 |
| Net charge-offs to loans | 0.1602% | 1,773 |
| Credit loss provision to net charge-offs | 71.4286% | 3,096 |
| Earnings coverage of net charge-offs (x) | 21.0455% | 1,836 |
| Efficiency ratio | 65.1168% | 4,058 |
| Assets per employee ($millions) | 3.2460% | 5,234 |
| Cash dividends to net income (ytd only)* | 68.2749% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9877% | 4,684 |
| Loan loss allowance to noncurrent loans | 117.6614% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 0.5493% | 3,455 |
| Noncurrent loans to loans | 0.8395% | 2,690 |
| Net loans and leases to total assets | 45.8944% | 5,170 |
| Net loans and leases to deposits | 53.9649% | 5,165 |
| Net loans and leases to core deposits | 55.5984% | 5,220 |
| Total domestic deposits to total assets | 85.0449% | 3,068 |
| Equity capital to assets | 11.8446% | 2,076 |
| Core capital (leverage) ratio | 10.1790% | 3,288 |
| Tier 1 risk-based capital ratio | 16.9098% | 2,320 |
| Total risk-based capital ratio | 17.6784% | 2,472 |
| Memoranda: | ||
| Average total assets | $210,229,600 | 2,846 |
| Average earning assets | $180,306,600 | 2,997 |
| Average equity | $25,046,400 | 2,690 |
| Average total loans | $96,136,600 | 3,457 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3834% | 1,975 |
| Cost of funding earning assets | 0.4348% | 2,853 |
| Net interest margin | 3.9486% | 1,877 |
| Noninterest income to average assets | 0.9896% | 1,208 |
| Noninterest expense to average assets | 2.8521% | 3,000 |
| Loan and lease loss provision to assets | 0.0286% | 3,668 |
| Net operating income to assets | 1.0329% | 2,315 |
| Return on assets (ROA) | 1.0372% | 2,384 |
| Pretax return on assets | 1.5051% | 1,674 |
| Return on Equity (ROE) | 8.6935% | 2,736 |
| Retained earnings to average equity (ytd only) | 8.6935% | 1,004 |
| Net charge-offs to loans | 0.0961% | 2,191 |
| Credit loss provision to net charge-offs | 65.2174% | 2,838 |
| Earnings coverage of net charge-offs (x) | 34.8687% | 1,362 |
| Efficiency ratio | 65.1254% | 4,043 |
| Assets per employee ($millions) | 3.1220% | 5,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0170% | 4,656 |
| Loan loss allowance to noncurrent loans | 113.3333% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 0.6358% | 3,355 |
| Noncurrent loans to loans | 0.8973% | 2,730 |
| Net loans and leases to total assets | 45.8809% | 5,235 |
| Net loans and leases to deposits | 54.1350% | 5,246 |
| Net loans and leases to core deposits | 56.1487% | 5,303 |
| Total domestic deposits to total assets | 84.7527% | 3,109 |
| Equity capital to assets | 12.4433% | 1,773 |
| Core capital (leverage) ratio | 10.5961% | 2,928 |
| Tier 1 risk-based capital ratio | 18.3437% | 1,943 |
| Total risk-based capital ratio | 19.1592% | 2,015 |
| Memoranda: | ||
| Average total assets | $210,039,250 | 2,864 |
| Average earning assets | $180,311,500 | 3,018 |
| Average equity | $25,060,250 | 2,711 |
| Average total loans | $95,721,000 | 3,494 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3468% | 2,024 |
| Cost of funding earning assets | 0.4385% | 2,859 |
| Net interest margin | 3.9083% | 1,945 |
| Noninterest income to average assets | 0.9385% | 1,335 |
| Noninterest expense to average assets | 2.8907% | 2,930 |
| Loan and lease loss provision to assets | 0.0285% | 3,555 |
| Net operating income to assets | 0.9528% | 2,618 |
| Return on assets (ROA) | 0.9595% | 2,701 |
| Pretax return on assets | 1.3769% | 2,078 |
| Return on Equity (ROE) | 8.1576% | 2,961 |
| Retained earnings to average equity (ytd only) | 8.1576% | 1,206 |
| Net charge-offs to loans | 0.1511% | 1,581 |
| Credit loss provision to net charge-offs | 41.6667% | 2,790 |
| Earnings coverage of net charge-offs (x) | 20.3889% | 1,711 |
| Efficiency ratio | 67.4357% | 3,759 |
| Assets per employee ($millions) | 3.2205% | 5,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0277% | 4,724 |
| Loan loss allowance to noncurrent loans | 133.3333% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 0.5618% | 3,736 |
| Noncurrent loans to loans | 0.7708% | 3,185 |
| Net loans and leases to total assets | 44.5349% | 5,352 |
| Net loans and leases to deposits | 52.1746% | 5,369 |
| Net loans and leases to core deposits | 53.9365% | 5,422 |
| Total domestic deposits to total assets | 85.3576% | 2,986 |
| Equity capital to assets | 11.9242% | 2,085 |
| Core capital (leverage) ratio | 10.2810% | 3,238 |
| Tier 1 risk-based capital ratio | 18.1774% | 2,017 |
| Total risk-based capital ratio | 18.9951% | 2,092 |
| Memoranda: | ||
| Average total assets | $210,328,330 | 2,884 |
| Average earning assets | $180,178,670 | 3,042 |
| Average equity | $24,737,670 | 2,744 |
| Average total loans | $95,309,330 | 3,528 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3792% | 1,842 |
| Cost of funding earning assets | 0.4408% | 2,872 |
| Net interest margin | 3.9384% | 1,754 |
| Noninterest income to average assets | 0.9259% | 1,315 |
| Noninterest expense to average assets | 2.8004% | 3,254 |
| Loan and lease loss provision to assets | 0.0285% | 3,305 |
| Net operating income to assets | 1.0190% | 2,168 |
| Return on assets (ROA) | 1.0321% | 2,264 |
| Pretax return on assets | 1.4894% | 1,600 |
| Return on Equity (ROE) | 8.8362% | 2,527 |
| Retained earnings to average equity (ytd only) | 8.8362% | 1,255 |
| Net charge-offs to loans | 0.2921% | 818 |
| Credit loss provision to net charge-offs | 21.4286% | 2,348 |
| Earnings coverage of net charge-offs (x) | 11.2857% | 1,873 |
| Efficiency ratio | 65.1368% | 4,293 |
| Assets per employee ($millions) | 3.2194% | 5,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0142% | 4,945 |
| Loan loss allowance to noncurrent loans | 107.0628% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 0.6226% | 3,619 |
| Noncurrent loans to loans | 0.9473% | 2,880 |
| Net loans and leases to total assets | 43.2126% | 5,408 |
| Net loans and leases to deposits | 50.4449% | 5,426 |
| Net loans and leases to core deposits | 51.9983% | 5,489 |
| Total domestic deposits to total assets | 85.6630% | 3,110 |
| Equity capital to assets | 11.6235% | 2,358 |
| Core capital (leverage) ratio | 10.4069% | 3,094 |
| Tier 1 risk-based capital ratio | 17.7424% | 2,220 |
| Total risk-based capital ratio | 18.5445% | 2,337 |
| Memoranda: | ||
| Average total assets | $210,827,500 | 2,902 |
| Average earning assets | $180,581,000 | 3,063 |
| Average equity | $24,626,000 | 2,776 |
| Average total loans | $95,867,500 | 3,527 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4631% | 2,018 |
| Cost of funding earning assets | 0.4596% | 3,078 |
| Net interest margin | 4.0035% | 1,888 |
| Noninterest income to average assets | 0.9540% | 1,337 |
| Noninterest expense to average assets | 3.0054% | 2,826 |
| Loan and lease loss provision to assets | 0.0378% | 3,821 |
| Net operating income to assets | 0.9229% | 2,760 |
| Return on assets (ROA) | 0.9540% | 2,691 |
| Pretax return on assets | 1.3622% | 2,030 |
| Return on Equity (ROE) | 8.5149% | 2,828 |
| Retained earnings to average equity (ytd only) | 3.4490% | 3,752 |
| Net charge-offs to loans | 0.0959% | 3,132 |
| Credit loss provision to net charge-offs | 87.9121% | 2,686 |
| Earnings coverage of net charge-offs (x) | 31.4945% | 1,289 |
| Efficiency ratio | 68.9154% | 3,728 |
| Assets per employee ($millions) | 3.0739% | 5,595 |
| Cash dividends to net income (ytd only)* | 59.4943% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0352% | 4,877 |
| Loan loss allowance to noncurrent loans | 87.9025% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 0.7827% | 3,248 |
| Noncurrent loans to loans | 1.1776% | 2,480 |
| Net loans and leases to total assets | 46.8843% | 5,259 |
| Net loans and leases to deposits | 54.8983% | 5,256 |
| Net loans and leases to core deposits | 56.6730% | 5,338 |
| Total domestic deposits to total assets | 85.4021% | 3,123 |
| Equity capital to assets | 11.7405% | 2,214 |
| Core capital (leverage) ratio | 9.6940% | 3,976 |
| Tier 1 risk-based capital ratio | 16.0525% | 2,933 |
| Total risk-based capital ratio | 16.8818% | 3,101 |
| Memoranda: | ||
| Average total assets | $211,420,200 | 2,866 |
| Average earning assets | $179,919,800 | 3,047 |
| Average equity | $23,688,000 | 2,783 |
| Average total loans | $94,879,000 | 3,530 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4198% | 2,156 |
| Cost of funding earning assets | 0.4479% | 3,274 |
| Net interest margin | 3.9720% | 1,958 |
| Noninterest income to average assets | 0.9449% | 1,374 |
| Noninterest expense to average assets | 2.9569% | 2,945 |
| Loan and lease loss provision to assets | 0.0407% | 3,594 |
| Net operating income to assets | 0.9258% | 2,794 |
| Return on assets (ROA) | 0.9618% | 2,707 |
| Pretax return on assets | 1.3772% | 2,091 |
| Return on Equity (ROE) | 8.6850% | 2,853 |
| Retained earnings to average equity (ytd only) | 8.6850% | 1,104 |
| Net charge-offs to loans | 0.0750% | 3,127 |
| Credit loss provision to net charge-offs | 122.6415% | 1,881 |
| Earnings coverage of net charge-offs (x) | 41.1538% | 1,107 |
| Efficiency ratio | 68.3913% | 3,790 |
| Assets per employee ($millions) | 3.1030% | 5,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0678% | 4,895 |
| Loan loss allowance to noncurrent loans | 88.5176% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 0.6883% | 3,762 |
| Noncurrent loans to loans | 1.2063% | 2,631 |
| Net loans and leases to total assets | 46.0353% | 5,373 |
| Net loans and leases to deposits | 55.6967% | 5,265 |
| Net loans and leases to core deposits | 57.7627% | 5,347 |
| Total domestic deposits to total assets | 82.6536% | 4,249 |
| Equity capital to assets | 11.9077% | 2,142 |
| Core capital (leverage) ratio | 9.8507% | 3,873 |
| Tier 1 risk-based capital ratio | 16.5633% | 2,791 |
| Total risk-based capital ratio | 17.4097% | 2,932 |
| Memoranda: | ||
| Average total assets | $212,786,750 | 2,877 |
| Average earning assets | $180,997,250 | 3,044 |
| Average equity | $23,565,000 | 2,802 |
| Average total loans | $94,206,250 | 3,577 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3661% | 2,310 |
| Cost of funding earning assets | 0.4127% | 3,739 |
| Net interest margin | 3.9534% | 1,953 |
| Noninterest income to average assets | 0.9132% | 1,452 |
| Noninterest expense to average assets | 2.9802% | 2,902 |
| Loan and lease loss provision to assets | 0.0466% | 3,374 |
| Net operating income to assets | 0.8798% | 2,906 |
| Return on assets (ROA) | 0.8871% | 2,969 |
| Pretax return on assets | 1.2564% | 2,428 |
| Return on Equity (ROE) | 8.2096% | 2,983 |
| Retained earnings to average equity (ytd only) | 8.2096% | 1,244 |
| Net charge-offs to loans | 0.0321% | 3,556 |
| Credit loss provision to net charge-offs | 333.3333% | 785 |
| Earnings coverage of net charge-offs (x) | 92.4000% | 589 |
| Efficiency ratio | 69.7446% | 3,698 |
| Assets per employee ($millions) | 3.1897% | 5,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1179% | 4,822 |
| Loan loss allowance to noncurrent loans | 114.5336% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 0.5491% | 4,343 |
| Noncurrent loans to loans | 0.9761% | 3,284 |
| Net loans and leases to total assets | 43.0627% | 5,600 |
| Net loans and leases to deposits | 51.8203% | 5,507 |
| Net loans and leases to core deposits | 53.8268% | 5,566 |
| Total domestic deposits to total assets | 83.1000% | 4,268 |
| Equity capital to assets | 11.1568% | 2,727 |
| Core capital (leverage) ratio | 9.2779% | 4,626 |
| Tier 1 risk-based capital ratio | 16.0627% | 3,057 |
| Total risk-based capital ratio | 16.9291% | 3,196 |
| Memoranda: | ||
| Average total assets | $214,416,000 | 2,873 |
| Average earning assets | $182,221,670 | 3,050 |
| Average equity | $23,168,000 | 2,833 |
| Average total loans | $93,361,670 | 3,611 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3411% | 2,359 |
| Cost of funding earning assets | 0.4244% | 3,707 |
| Net interest margin | 3.9167% | 2,031 |
| Noninterest income to average assets | 0.8782% | 1,459 |
| Noninterest expense to average assets | 2.9103% | 3,169 |
| Loan and lease loss provision to assets | 0.0563% | 2,989 |
| Net operating income to assets | 0.8714% | 2,783 |
| Return on assets (ROA) | 0.8819% | 2,800 |
| Pretax return on assets | 1.2516% | 2,279 |
| Return on Equity (ROE) | 8.2993% | 2,798 |
| Retained earnings to average equity (ytd only) | 8.2993% | 1,498 |
| Net charge-offs to loans | 0.0259% | 3,055 |
| Credit loss provision to net charge-offs | 500.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 114.8333% | 409 |
| Efficiency ratio | 69.2411% | 3,957 |
| Assets per employee ($millions) | 3.2692% | 5,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1408% | 4,916 |
| Loan loss allowance to noncurrent loans | 115.5973% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 0.5937% | 4,372 |
| Noncurrent loans to loans | 0.9869% | 3,448 |
| Net loans and leases to total assets | 41.9682% | 5,675 |
| Net loans and leases to deposits | 48.7597% | 5,687 |
| Net loans and leases to core deposits | 50.7507% | 5,710 |
| Total domestic deposits to total assets | 86.0716% | 3,331 |
| Equity capital to assets | 10.7240% | 3,011 |
| Core capital (leverage) ratio | 9.2747% | 4,610 |
| Tier 1 risk-based capital ratio | 15.5984% | 3,381 |
| Total risk-based capital ratio | 16.4545% | 3,565 |
| Memoranda: | ||
| Average total assets | $213,174,000 | 2,891 |
| Average earning assets | $180,967,500 | 3,082 |
| Average equity | $22,652,500 | 2,873 |
| Average total loans | $92,813,000 | 3,638 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3835% | 2,645 |
| Cost of funding earning assets | 0.5276% | 3,315 |
| Net interest margin | 3.8559% | 2,448 |
| Noninterest income to average assets | 1.1094% | 1,142 |
| Noninterest expense to average assets | 3.1251% | 2,657 |
| Loan and lease loss provision to assets | 0.0577% | 3,990 |
| Net operating income to assets | 0.8854% | 2,851 |
| Return on assets (ROA) | 0.9420% | 2,674 |
| Pretax return on assets | 1.3475% | 1,978 |
| Return on Equity (ROE) | 8.5633% | 2,749 |
| Retained earnings to average equity (ytd only) | 3.3151% | 3,875 |
| Net charge-offs to loans | 0.1179% | 3,632 |
| Credit loss provision to net charge-offs | 107.1429% | 2,240 |
| Earnings coverage of net charge-offs (x) | 24.5804% | 1,359 |
| Efficiency ratio | 70.2346% | 3,802 |
| Assets per employee ($millions) | 3.1906% | 5,508 |
| Cash dividends to net income (ytd only)* | 61.2870% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0327% | 5,406 |
| Loan loss allowance to noncurrent loans | 117.6970% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 0.5808% | 4,495 |
| Noncurrent loans to loans | 0.8774% | 3,790 |
| Net loans and leases to total assets | 44.1903% | 5,660 |
| Net loans and leases to deposits | 51.2273% | 5,678 |
| Net loans and leases to core deposits | 53.4553% | 5,710 |
| Total domestic deposits to total assets | 86.2632% | 3,129 |
| Equity capital to assets | 10.5262% | 3,119 |
| Core capital (leverage) ratio | 9.0105% | 4,983 |
| Tier 1 risk-based capital ratio | 15.7223% | 3,240 |
| Total risk-based capital ratio | 16.5893% | 3,410 |
| Memoranda: | ||
| Average total assets | $207,863,000 | 2,936 |
| Average earning assets | $180,061,000 | 3,071 |
| Average equity | $22,865,000 | 2,841 |
| Average total loans | $94,976,400 | 3,581 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3352% | 2,851 |
| Cost of funding earning assets | 0.5470% | 3,295 |
| Net interest margin | 3.7882% | 2,686 |
| Noninterest income to average assets | 1.1455% | 1,113 |
| Noninterest expense to average assets | 3.0278% | 2,892 |
| Loan and lease loss provision to assets | 0.0579% | 3,889 |
| Net operating income to assets | 0.9271% | 2,704 |
| Return on assets (ROA) | 0.9910% | 2,506 |
| Pretax return on assets | 1.4370% | 1,809 |
| Return on Equity (ROE) | 8.9119% | 2,678 |
| Retained earnings to average equity (ytd only) | 8.9119% | 1,081 |
| Net charge-offs to loans | 0.1386% | 3,154 |
| Credit loss provision to net charge-offs | 90.9091% | 2,617 |
| Earnings coverage of net charge-offs (x) | 22.0095% | 1,517 |
| Efficiency ratio | 68.3469% | 4,024 |
| Assets per employee ($millions) | 3.3653% | 5,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0006% | 5,714 |
| Loan loss allowance to noncurrent loans | 98.4520% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 0.6080% | 4,615 |
| Noncurrent loans to loans | 1.0163% | 3,773 |
| Net loans and leases to total assets | 44.5211% | 5,681 |
| Net loans and leases to deposits | 52.3206% | 5,686 |
| Net loans and leases to core deposits | 54.8792% | 5,705 |
| Total domestic deposits to total assets | 85.0928% | 3,690 |
| Equity capital to assets | 11.0659% | 2,703 |
| Core capital (leverage) ratio | 9.4959% | 4,412 |
| Tier 1 risk-based capital ratio | 16.0257% | 3,177 |
| Total risk-based capital ratio | 16.8618% | 3,364 |
| Memoranda: | ||
| Average total assets | $207,183,750 | 2,958 |
| Average earning assets | $179,640,250 | 3,105 |
| Average equity | $23,039,750 | 2,847 |
| Average total loans | $95,213,750 | 3,595 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3274% | 2,840 |
| Cost of funding earning assets | 0.5721% | 3,197 |
| Net interest margin | 3.7553% | 2,743 |
| Noninterest income to average assets | 1.1451% | 1,166 |
| Noninterest expense to average assets | 3.0753% | 2,742 |
| Loan and lease loss provision to assets | 0.0584% | 3,836 |
| Net operating income to assets | 0.8801% | 2,902 |
| Return on assets (ROA) | 0.9573% | 2,675 |
| Pretax return on assets | 1.3864% | 1,981 |
| Return on Equity (ROE) | 8.5941% | 2,799 |
| Retained earnings to average equity (ytd only) | 8.5941% | 1,258 |
| Net charge-offs to loans | 0.0504% | 3,966 |
| Credit loss provision to net charge-offs | 250.0000% | 995 |
| Earnings coverage of net charge-offs (x) | 57.0833% | 728 |
| Efficiency ratio | 69.7638% | 3,873 |
| Assets per employee ($millions) | 3.3779% | 5,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0592% | 5,583 |
| Loan loss allowance to noncurrent loans | 112.7540% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 0.6212% | 4,678 |
| Noncurrent loans to loans | 0.9394% | 4,043 |
| Net loans and leases to total assets | 46.0415% | 5,527 |
| Net loans and leases to deposits | 53.9390% | 5,525 |
| Net loans and leases to core deposits | 57.1125% | 5,513 |
| Total domestic deposits to total assets | 85.3584% | 3,720 |
| Equity capital to assets | 10.9732% | 2,780 |
| Core capital (leverage) ratio | 9.2817% | 4,573 |
| Tier 1 risk-based capital ratio | 16.0292% | 3,174 |
| Total risk-based capital ratio | 16.9316% | 3,325 |
| Memoranda: | ||
| Average total assets | $205,574,330 | 2,996 |
| Average earning assets | $178,628,670 | 3,139 |
| Average equity | $22,899,330 | 2,875 |
| Average total loans | $95,170,330 | 3,606 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0798% | 3,807 |
| Cost of funding earning assets | 0.5908% | 3,197 |
| Net interest margin | 3.4891% | 3,750 |
| Noninterest income to average assets | 1.0936% | 1,235 |
| Noninterest expense to average assets | 2.9195% | 3,274 |
| Loan and lease loss provision to assets | 0.0580% | 3,662 |
| Net operating income to assets | 0.8013% | 3,162 |
| Return on assets (ROA) | 0.8811% | 2,894 |
| Pretax return on assets | 1.2656% | 2,354 |
| Return on Equity (ROE) | 7.8523% | 3,049 |
| Retained earnings to average equity (ytd only) | 7.8523% | 1,801 |
| Net charge-offs to loans | 0.0795% | 3,041 |
| Credit loss provision to net charge-offs | 157.8947% | 1,313 |
| Earnings coverage of net charge-offs (x) | 32.9474% | 917 |
| Efficiency ratio | 70.7066% | 3,851 |
| Assets per employee ($millions) | 3.3292% | 5,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0374% | 5,846 |
| Loan loss allowance to noncurrent loans | 153.1447% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 0.5271% | 5,075 |
| Noncurrent loans to loans | 0.6774% | 4,770 |
| Net loans and leases to total assets | 45.0158% | 5,543 |
| Net loans and leases to deposits | 52.6833% | 5,555 |
| Net loans and leases to core deposits | 55.9939% | 5,522 |
| Total domestic deposits to total assets | 85.4461% | 3,821 |
| Equity capital to assets | 11.3336% | 2,598 |
| Core capital (leverage) ratio | 8.8888% | 5,072 |
| Tier 1 risk-based capital ratio | 15.6330% | 3,458 |
| Total risk-based capital ratio | 16.5199% | 3,628 |
| Memoranda: | ||
| Average total assets | $207,023,500 | 3,015 |
| Average earning assets | $180,105,500 | 3,142 |
| Average equity | $23,229,000 | 2,894 |
| Average total loans | $95,598,500 | 3,622 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1350% | 4,823 |
| Cost of funding earning assets | 0.5792% | 4,549 |
| Net interest margin | 3.5558% | 4,282 |
| Noninterest income to average assets | 1.2872% | 932 |
| Noninterest expense to average assets | 2.8411% | 3,873 |
| Loan and lease loss provision to assets | 0.0386% | 5,390 |
| Net operating income to assets | 0.9860% | 2,402 |
| Return on assets (ROA) | 1.0988% | 2,126 |
| Pretax return on assets | 1.6247% | 1,322 |
| Return on Equity (ROE) | 8.1807% | 3,010 |
| Retained earnings to average equity (ytd only) | -18.6256% | 6,825 |
| Net charge-offs to loans | 0.1867% | 3,886 |
| Credit loss provision to net charge-offs | 48.0000% | 4,741 |
| Earnings coverage of net charge-offs (x) | 18.6320% | 1,429 |
| Efficiency ratio | 65.4861% | 4,603 |
| Assets per employee ($millions) | 3.4039% | 5,204 |
| Cash dividends to net income (ytd only)* | 327.6770% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9722% | 6,057 |
| Loan loss allowance to noncurrent loans | 138.9134% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 0.5457% | 5,112 |
| Noncurrent loans to loans | 0.6999% | 4,788 |
| Net loans and leases to total assets | 46.4079% | 5,577 |
| Net loans and leases to deposits | 56.3793% | 5,407 |
| Net loans and leases to core deposits | 59.6709% | 5,399 |
| Total domestic deposits to total assets | 82.3137% | 4,990 |
| Equity capital to assets | 11.1080% | 2,826 |
| Core capital (leverage) ratio | 11.2258% | 2,072 |
| Tier 1 risk-based capital ratio | 13.5099% | 4,746 |
| Total risk-based capital ratio | 14.2661% | 5,036 |
| Memoranda: | ||
| Average total assets | $155,535,800 | 3,695 |
| Average earning assets | $133,470,800 | 3,833 |
| Average equity | $20,890,600 | 3,097 |
| Average total loans | $66,961,800 | 4,462 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4023% | 4,038 |
| Cost of funding earning assets | 0.6029% | 4,616 |
| Net interest margin | 3.7994% | 3,338 |
| Noninterest income to average assets | 1.4015% | 761 |
| Noninterest expense to average assets | 2.9199% | 3,519 |
| Loan and lease loss provision to assets | 0.0421% | 5,249 |
| Net operating income to assets | 1.1290% | 1,990 |
| Return on assets (ROA) | 1.2883% | 1,614 |
| Pretax return on assets | 1.9413% | 793 |
| Return on Equity (ROE) | 9.0231% | 2,789 |
| Retained earnings to average equity (ytd only) | 9.0231% | 1,220 |
| Net charge-offs to loans | 0.1819% | 3,659 |
| Credit loss provision to net charge-offs | 55.5556% | 4,263 |
| Earnings coverage of net charge-offs (x) | 22.9870% | 1,332 |
| Efficiency ratio | 62.6330% | 5,043 |
| Assets per employee ($millions) | 2.9975% | 6,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6684% | 3,267 |
| Loan loss allowance to noncurrent loans | 144.6588% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 0.7794% | 4,759 |
| Noncurrent loans to loans | 1.1533% | 4,134 |
| Net loans and leases to total assets | 40.7897% | 6,220 |
| Net loans and leases to deposits | 50.5587% | 6,068 |
| Net loans and leases to core deposits | 55.0880% | 5,958 |
| Total domestic deposits to total assets | 80.6780% | 5,460 |
| Equity capital to assets | 15.0496% | 808 |
| Core capital (leverage) ratio | 12.9654% | 1,203 |
| Tier 1 risk-based capital ratio | 25.8573% | 837 |
| Total risk-based capital ratio | 27.1091% | 824 |
| Memoranda: | ||
| Average total assets | $142,511,000 | 3,948 |
| Average earning assets | $122,295,500 | 4,098 |
| Average equity | $20,347,250 | 3,196 |
| Average total loans | $59,376,000 | 4,785 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5037% | 3,750 |
| Cost of funding earning assets | 0.6234% | 4,690 |
| Net interest margin | 3.8803% | 2,997 |
| Noninterest income to average assets | 1.3645% | 769 |
| Noninterest expense to average assets | 2.9401% | 3,472 |
| Loan and lease loss provision to assets | 0.0419% | 5,148 |
| Net operating income to assets | 1.1386% | 1,919 |
| Return on assets (ROA) | 1.1576% | 2,064 |
| Pretax return on assets | 1.7084% | 1,233 |
| Return on Equity (ROE) | 8.2543% | 3,141 |
| Retained earnings to average equity (ytd only) | 8.2543% | 1,551 |
| Net charge-offs to loans | 0.1608% | 3,639 |
| Credit loss provision to net charge-offs | 62.5000% | 3,735 |
| Earnings coverage of net charge-offs (x) | 25.6667% | 1,191 |
| Efficiency ratio | 63.0585% | 5,069 |
| Assets per employee ($millions) | 3.1007% | 5,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6829% | 3,302 |
| Loan loss allowance to noncurrent loans | 326.6447% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.4865% | 5,544 |
| Noncurrent loans to loans | 0.5152% | 5,498 |
| Net loans and leases to total assets | 39.8072% | 6,358 |
| Net loans and leases to deposits | 48.4410% | 6,286 |
| Net loans and leases to core deposits | 52.1016% | 6,232 |
| Total domestic deposits to total assets | 82.1766% | 5,063 |
| Equity capital to assets | 14.1648% | 1,026 |
| Core capital (leverage) ratio | 12.8613% | 1,192 |
| Tier 1 risk-based capital ratio | 24.4126% | 968 |
| Total risk-based capital ratio | 25.6640% | 948 |
| Memoranda: | ||
| Average total assets | $143,054,330 | 3,952 |
| Average earning assets | $121,588,000 | 4,134 |
| Average equity | $20,062,330 | 3,214 |
| Average total loans | $59,688,000 | 4,801 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5381% | 3,764 |
| Cost of funding earning assets | 0.6408% | 4,817 |
| Net interest margin | 3.8973% | 2,938 |
| Noninterest income to average assets | 1.2561% | 901 |
| Noninterest expense to average assets | 2.8254% | 3,926 |
| Loan and lease loss provision to assets | 0.0423% | 4,864 |
| Net operating income to assets | 1.1571% | 1,860 |
| Return on assets (ROA) | 1.1968% | 1,929 |
| Pretax return on assets | 1.7952% | 1,077 |
| Return on Equity (ROE) | 8.5778% | 3,013 |
| Retained earnings to average equity (ytd only) | 8.5778% | 1,746 |
| Net charge-offs to loans | 0.2266% | 2,792 |
| Credit loss provision to net charge-offs | 44.1176% | 3,376 |
| Earnings coverage of net charge-offs (x) | 18.5294% | 1,261 |
| Efficiency ratio | 61.3734% | 5,388 |
| Assets per employee ($millions) | 3.1076% | 5,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6606% | 3,492 |
| Loan loss allowance to noncurrent loans | 325.2459% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.5450% | 5,512 |
| Noncurrent loans to loans | 0.5106% | 5,648 |
| Net loans and leases to total assets | 40.2210% | 6,333 |
| Net loans and leases to deposits | 48.7325% | 6,249 |
| Net loans and leases to core deposits | 53.1797% | 6,115 |
| Total domestic deposits to total assets | 82.5343% | 5,112 |
| Equity capital to assets | 13.7158% | 1,133 |
| Core capital (leverage) ratio | 12.6944% | 1,243 |
| Tier 1 risk-based capital ratio | 23.7694% | 1,030 |
| Total risk-based capital ratio | 25.0211% | 1,017 |
| Memoranda: | ||
| Average total assets | $141,714,000 | 4,003 |
| Average earning assets | $121,724,000 | 4,161 |
| Average equity | $19,772,000 | 3,252 |
| Average total loans | $60,029,000 | 4,816 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0763% | 2,547 |
| Cost of funding earning assets | 0.7341% | 5,318 |
| Net interest margin | 4.3423% | 1,568 |
| Noninterest income to average assets | 1.3682% | 685 |
| Noninterest expense to average assets | 3.2119% | 2,822 |
| Loan and lease loss provision to assets | 0.1482% | 4,758 |
| Net operating income to assets | 1.1630% | 1,630 |
| Return on assets (ROA) | 1.2008% | 1,617 |
| Pretax return on assets | 1.7934% | 810 |
| Return on Equity (ROE) | 8.4265% | 2,704 |
| Retained earnings to average equity (ytd only) | 4.2678% | 3,147 |
| Net charge-offs to loans | 0.3006% | 3,899 |
| Credit loss provision to net charge-offs | 110.4972% | 3,021 |
| Earnings coverage of net charge-offs (x) | 14.0608% | 1,489 |
| Efficiency ratio | 63.0141% | 5,297 |
| Assets per employee ($millions) | 2.9228% | 6,241 |
| Cash dividends to net income (ytd only)* | 49.3523% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6761% | 3,294 |
| Loan loss allowance to noncurrent loans | 240.1425% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.7010% | 5,236 |
| Noncurrent loans to loans | 0.6979% | 5,303 |
| Net loans and leases to total assets | 43.1746% | 6,280 |
| Net loans and leases to deposits | 52.6910% | 6,155 |
| Net loans and leases to core deposits | 57.5173% | 6,042 |
| Total domestic deposits to total assets | 81.9393% | 5,148 |
| Equity capital to assets | 14.2032% | 1,002 |
| Core capital (leverage) ratio | 12.9174% | 1,175 |
| Tier 1 risk-based capital ratio | 23.1522% | 1,084 |
| Total risk-based capital ratio | 24.4042% | 1,065 |
| Memoranda: | ||
| Average total assets | $134,998,200 | 4,073 |
| Average earning assets | $115,930,600 | 4,241 |
| Average equity | $19,237,000 | 3,248 |
| Average total loans | $60,211,800 | 4,857 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1027% | 2,597 |
| Cost of funding earning assets | 0.7445% | 5,497 |
| Net interest margin | 4.3582% | 1,535 |
| Noninterest income to average assets | 1.3422% | 726 |
| Noninterest expense to average assets | 3.1238% | 3,079 |
| Loan and lease loss provision to assets | 0.0843% | 5,390 |
| Net operating income to assets | 1.2640% | 1,472 |
| Return on assets (ROA) | 1.2836% | 1,521 |
| Pretax return on assets | 1.9324% | 725 |
| Return on Equity (ROE) | 9.0007% | 2,598 |
| Retained earnings to average equity (ytd only) | 9.0007% | 1,147 |
| Net charge-offs to loans | 0.1927% | 4,260 |
| Credit loss provision to net charge-offs | 97.7011% | 3,502 |
| Earnings coverage of net charge-offs (x) | 23.0224% | 1,131 |
| Efficiency ratio | 61.1219% | 5,544 |
| Assets per employee ($millions) | 3.0024% | 6,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6197% | 3,574 |
| Loan loss allowance to noncurrent loans | 151.3761% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 0.8697% | 5,008 |
| Noncurrent loans to loans | 1.0700% | 4,775 |
| Net loans and leases to total assets | 44.5073% | 6,281 |
| Net loans and leases to deposits | 55.2684% | 6,102 |
| Net loans and leases to core deposits | 59.8984% | 6,000 |
| Total domestic deposits to total assets | 80.5294% | 5,590 |
| Equity capital to assets | 14.9194% | 874 |
| Core capital (leverage) ratio | 13.3873% | 1,080 |
| Tier 1 risk-based capital ratio | 24.0477% | 1,004 |
| Total risk-based capital ratio | 25.2991% | 993 |
| Memoranda: | ||
| Average total assets | $134,405,250 | 4,112 |
| Average earning assets | $116,222,750 | 4,245 |
| Average equity | $19,168,500 | 3,263 |
| Average total loans | $60,184,750 | 4,893 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0459% | 2,949 |
| Cost of funding earning assets | 0.7491% | 5,673 |
| Net interest margin | 4.2968% | 1,671 |
| Noninterest income to average assets | 1.2104% | 869 |
| Noninterest expense to average assets | 3.1557% | 3,064 |
| Loan and lease loss provision to assets | 0.0894% | 5,200 |
| Net operating income to assets | 1.1322% | 1,782 |
| Return on assets (ROA) | 1.1612% | 1,762 |
| Pretax return on assets | 1.7276% | 994 |
| Return on Equity (ROE) | 8.2701% | 2,822 |
| Retained earnings to average equity (ytd only) | 8.2701% | 1,354 |
| Net charge-offs to loans | 0.0501% | 5,154 |
| Credit loss provision to net charge-offs | 400.0000% | 744 |
| Earnings coverage of net charge-offs (x) | 79.3333% | 428 |
| Efficiency ratio | 64.0157% | 5,236 |
| Assets per employee ($millions) | 2.9148% | 6,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7163% | 3,269 |
| Loan loss allowance to noncurrent loans | 132.1019% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.8701% | 5,135 |
| Noncurrent loans to loans | 1.2992% | 4,475 |
| Net loans and leases to total assets | 43.3469% | 6,491 |
| Net loans and leases to deposits | 53.4558% | 6,350 |
| Net loans and leases to core deposits | 57.9594% | 6,276 |
| Total domestic deposits to total assets | 81.0894% | 5,493 |
| Equity capital to assets | 14.2302% | 1,020 |
| Core capital (leverage) ratio | 13.0661% | 1,131 |
| Tier 1 risk-based capital ratio | 23.7313% | 1,029 |
| Total risk-based capital ratio | 24.9836% | 1,019 |
| Memoranda: | ||
| Average total assets | $134,171,670 | 4,140 |
| Average earning assets | $116,134,000 | 4,273 |
| Average equity | $18,839,000 | 3,284 |
| Average total loans | $59,872,330 | 4,964 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9327% | 3,400 |
| Cost of funding earning assets | 0.7726% | 5,735 |
| Net interest margin | 4.1601% | 2,036 |
| Noninterest income to average assets | 1.2233% | 846 |
| Noninterest expense to average assets | 3.0973% | 3,252 |
| Loan and lease loss provision to assets | 0.0904% | 4,885 |
| Net operating income to assets | 1.0924% | 1,862 |
| Return on assets (ROA) | 1.1510% | 1,707 |
| Pretax return on assets | 1.7084% | 970 |
| Return on Equity (ROE) | 8.2546% | 2,797 |
| Retained earnings to average equity (ytd only) | 8.2546% | 1,632 |
| Net charge-offs to loans | 0.1678% | 3,471 |
| Credit loss provision to net charge-offs | 120.0000% | 2,273 |
| Earnings coverage of net charge-offs (x) | 22.7200% | 1,043 |
| Efficiency ratio | 64.4110% | 5,297 |
| Assets per employee ($millions) | 2.9213% | 6,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6826% | 3,404 |
| Loan loss allowance to noncurrent loans | 158.5056% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.7837% | 5,344 |
| Noncurrent loans to loans | 1.0615% | 4,933 |
| Net loans and leases to total assets | 42.4295% | 6,582 |
| Net loans and leases to deposits | 52.0449% | 6,473 |
| Net loans and leases to core deposits | 56.0503% | 6,406 |
| Total domestic deposits to total assets | 81.5248% | 5,486 |
| Equity capital to assets | 13.6159% | 1,142 |
| Core capital (leverage) ratio | 13.2051% | 1,060 |
| Tier 1 risk-based capital ratio | 22.6403% | 1,127 |
| Total risk-based capital ratio | 23.8923% | 1,109 |
| Memoranda: | ||
| Average total assets | $132,759,000 | 4,199 |
| Average earning assets | $114,421,000 | 4,343 |
| Average equity | $18,511,000 | 3,325 |
| Average total loans | $59,598,000 | 5,020 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3585% | 2,863 |
| Cost of funding earning assets | 0.9183% | 6,091 |
| Net interest margin | 4.4402% | 1,373 |
| Noninterest income to average assets | 1.3230% | 842 |
| Noninterest expense to average assets | 3.4553% | 2,293 |
| Loan and lease loss provision to assets | 0.2538% | 4,762 |
| Net operating income to assets | 1.0115% | 1,992 |
| Return on assets (ROA) | 1.1206% | 1,722 |
| Pretax return on assets | 1.5559% | 1,227 |
| Return on Equity (ROE) | 8.1108% | 2,660 |
| Retained earnings to average equity (ytd only) | 3.7879% | 3,211 |
| Net charge-offs to loans | 0.2529% | 4,773 |
| Credit loss provision to net charge-offs | 226.6667% | 1,305 |
| Earnings coverage of net charge-offs (x) | 14.8067% | 1,316 |
| Efficiency ratio | 67.5719% | 4,651 |
| Assets per employee ($millions) | 2.7280% | 6,644 |
| Cash dividends to net income (ytd only)* | 53.2978% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6549% | 3,378 |
| Loan loss allowance to noncurrent loans | 132.9759% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 0.9156% | 5,186 |
| Noncurrent loans to loans | 1.2445% | 4,640 |
| Net loans and leases to total assets | 45.9775% | 6,559 |
| Net loans and leases to deposits | 60.1488% | 6,041 |
| Net loans and leases to core deposits | 65.2123% | 5,952 |
| Total domestic deposits to total assets | 76.4396% | 6,579 |
| Equity capital to assets | 14.2940% | 953 |
| Core capital (leverage) ratio | 12.6569% | 1,254 |
| Tier 1 risk-based capital ratio | 22.7353% | 1,073 |
| Total risk-based capital ratio | 23.9873% | 1,052 |
| Memoranda: | ||
| Average total assets | $133,940,200 | 4,181 |
| Average earning assets | $114,342,000 | 4,364 |
| Average equity | $18,506,200 | 3,352 |
| Average total loans | $59,313,800 | 5,101 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3770% | 2,988 |
| Cost of funding earning assets | 0.9481% | 6,187 |
| Net interest margin | 4.4289% | 1,430 |
| Noninterest income to average assets | 1.2735% | 850 |
| Noninterest expense to average assets | 3.2384% | 2,783 |
| Loan and lease loss provision to assets | 0.1773% | 5,266 |
| Net operating income to assets | 1.1611% | 1,701 |
| Return on assets (ROA) | 1.3031% | 1,402 |
| Pretax return on assets | 1.8349% | 863 |
| Return on Equity (ROE) | 9.5087% | 2,317 |
| Retained earnings to average equity (ytd only) | 9.5087% | 910 |
| Net charge-offs to loans | 0.1645% | 5,005 |
| Credit loss provision to net charge-offs | 246.5753% | 1,357 |
| Earnings coverage of net charge-offs (x) | 25.2057% | 1,003 |
| Efficiency ratio | 64.1186% | 5,220 |
| Assets per employee ($millions) | 2.9201% | 6,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5398% | 3,773 |
| Loan loss allowance to noncurrent loans | 161.4565% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 0.7213% | 5,669 |
| Noncurrent loans to loans | 0.9537% | 5,326 |
| Net loans and leases to total assets | 42.3526% | 6,956 |
| Net loans and leases to deposits | 51.7177% | 6,903 |
| Net loans and leases to core deposits | 57.8656% | 6,738 |
| Total domestic deposits to total assets | 81.8920% | 5,038 |
| Equity capital to assets | 14.0510% | 1,153 |
| Core capital (leverage) ratio | 12.5803% | 1,375 |
| Tier 1 risk-based capital ratio | 23.0955% | 1,053 |
| Total risk-based capital ratio | 24.3455% | 1,024 |
| Memoranda: | ||
| Average total assets | $135,371,500 | 4,201 |
| Average earning assets | $115,452,000 | 4,393 |
| Average equity | $18,551,000 | 3,382 |
| Average total loans | $59,156,750 | 5,180 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4659% | 2,679 |
| Cost of funding earning assets | 0.9800% | 6,239 |
| Net interest margin | 4.4859% | 1,230 |
| Noninterest income to average assets | 1.1132% | 1,061 |
| Noninterest expense to average assets | 3.1615% | 3,043 |
| Loan and lease loss provision to assets | 0.1781% | 5,086 |
| Net operating income to assets | 1.1264% | 1,771 |
| Return on assets (ROA) | 1.3403% | 1,289 |
| Pretax return on assets | 1.8865% | 756 |
| Return on Equity (ROE) | 9.8653% | 2,149 |
| Retained earnings to average equity (ytd only) | 9.8653% | 875 |
| Net charge-offs to loans | 0.1081% | 5,080 |
| Credit loss provision to net charge-offs | 375.0000% | 968 |
| Earnings coverage of net charge-offs (x) | 37.1250% | 779 |
| Efficiency ratio | 64.1953% | 5,298 |
| Assets per employee ($millions) | 2.8794% | 6,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4742% | 4,044 |
| Loan loss allowance to noncurrent loans | 117.5694% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 0.9680% | 5,199 |
| Noncurrent loans to loans | 1.2539% | 4,871 |
| Net loans and leases to total assets | 43.9520% | 6,924 |
| Net loans and leases to deposits | 53.6706% | 6,885 |
| Net loans and leases to core deposits | 59.7233% | 6,728 |
| Total domestic deposits to total assets | 81.8922% | 5,034 |
| Equity capital to assets | 13.9736% | 1,164 |
| Core capital (leverage) ratio | 12.7742% | 1,294 |
| Tier 1 risk-based capital ratio | 21.3595% | 1,291 |
| Total risk-based capital ratio | 22.5546% | 1,267 |
| Memoranda: | ||
| Average total assets | $134,747,670 | 4,247 |
| Average earning assets | $114,492,000 | 4,445 |
| Average equity | $18,306,670 | 3,414 |
| Average total loans | $59,197,330 | 5,219 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4794% | 2,691 |
| Cost of funding earning assets | 1.0130% | 6,315 |
| Net interest margin | 4.4664% | 1,216 |
| Noninterest income to average assets | 1.0115% | 1,260 |
| Noninterest expense to average assets | 3.2219% | 2,780 |
| Loan and lease loss provision to assets | 0.1785% | 4,741 |
| Net operating income to assets | 1.0197% | 2,115 |
| Return on assets (ROA) | 1.2703% | 1,435 |
| Pretax return on assets | 1.7761% | 922 |
| Return on Equity (ROE) | 9.4865% | 2,297 |
| Retained earnings to average equity (ytd only) | 9.4865% | 1,274 |
| Net charge-offs to loans | 0.0273% | 5,189 |
| Credit loss provision to net charge-offs | 1,500.0000% | 318 |
| Earnings coverage of net charge-offs (x) | 135.0000% | 244 |
| Efficiency ratio | 66.7283% | 4,969 |
| Assets per employee ($millions) | 2.8403% | 6,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4444% | 4,188 |
| Loan loss allowance to noncurrent loans | 118.5083% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.9289% | 5,290 |
| Noncurrent loans to loans | 1.2188% | 4,931 |
| Net loans and leases to total assets | 43.8551% | 7,006 |
| Net loans and leases to deposits | 53.2495% | 6,968 |
| Net loans and leases to core deposits | 59.3508% | 6,794 |
| Total domestic deposits to total assets | 82.3577% | 4,908 |
| Equity capital to assets | 13.6428% | 1,272 |
| Core capital (leverage) ratio | 12.1847% | 1,555 |
| Tier 1 risk-based capital ratio | 21.3884% | 1,288 |
| Total risk-based capital ratio | 22.2676% | 1,311 |
| Memoranda: | ||
| Average total assets | $134,454,500 | 4,318 |
| Average earning assets | $114,903,500 | 4,501 |
| Average equity | $18,004,500 | 3,480 |
| Average total loans | $58,610,000 | 5,313 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8195% | 2,578 |
| Cost of funding earning assets | 1.2373% | 6,517 |
| Net interest margin | 4.5822% | 1,017 |
| Noninterest income to average assets | 1.1974% | 1,075 |
| Noninterest expense to average assets | 3.4054% | 2,663 |
| Loan and lease loss provision to assets | 0.2869% | 5,132 |
| Net operating income to assets | 1.1000% | 1,511 |
| Return on assets (ROA) | 1.0175% | 1,828 |
| Pretax return on assets | 1.3455% | 1,569 |
| Return on Equity (ROE) | 7.3689% | 2,633 |
| Retained earnings to average equity (ytd only) | 2.8757% | 3,166 |
| Net charge-offs to loans | 0.3204% | 4,640 |
| Credit loss provision to net charge-offs | 200.0000% | 1,948 |
| Earnings coverage of net charge-offs (x) | 12.1351% | 1,533 |
| Efficiency ratio | 66.1694% | 5,367 |
| Assets per employee ($millions) | 2.8212% | 6,623 |
| Cash dividends to net income (ytd only)* | 60.9756% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3871% | 4,300 |
| Loan loss allowance to noncurrent loans | 119.8804% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.9046% | 5,289 |
| Noncurrent loans to loans | 1.1571% | 5,014 |
| Net loans and leases to total assets | 42.1048% | 7,245 |
| Net loans and leases to deposits | 50.8690% | 7,208 |
| Net loans and leases to core deposits | 61.6967% | 7,203 |
| Total domestic deposits to total assets | 82.7710% | 4,632 |
| Equity capital to assets | 13.1424% | 1,451 |
| Core capital (leverage) ratio | 11.4885% | 1,920 |
| Tier 1 risk-based capital ratio | 19.9403% | 1,474 |
| Total risk-based capital ratio | 21.0090% | 1,469 |
| Memoranda: | ||
| Average total assets | $128,943,600 | 4,358 |
| Average earning assets | $111,125,600 | 4,531 |
| Average equity | $17,804,600 | 3,532 |
| Average total loans | $57,742,800 | 5,350 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7966% | 2,914 |
| Cost of funding earning assets | 1.2791% | 6,624 |
| Net interest margin | 4.5175% | 1,150 |
| Noninterest income to average assets | 1.1959% | 1,081 |
| Noninterest expense to average assets | 3.3792% | 2,638 |
| Loan and lease loss provision to assets | 0.1990% | 5,399 |
| Net operating income to assets | 1.0911% | 1,765 |
| Return on assets (ROA) | 1.0911% | 1,826 |
| Pretax return on assets | 1.5268% | 1,338 |
| Return on Equity (ROE) | 7.8022% | 2,724 |
| Retained earnings to average equity (ytd only) | 7.8022% | 1,199 |
| Net charge-offs to loans | 0.3188% | 4,045 |
| Credit loss provision to net charge-offs | 137.6812% | 3,594 |
| Earnings coverage of net charge-offs (x) | 11.9417% | 1,811 |
| Efficiency ratio | 66.1949% | 5,329 |
| Assets per employee ($millions) | 2.8727% | 6,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1205% | 5,599 |
| Loan loss allowance to noncurrent loans | 143.5622% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.7855% | 5,548 |
| Noncurrent loans to loans | 0.7805% | 5,737 |
| Net loans and leases to total assets | 44.6763% | 7,202 |
| Net loans and leases to deposits | 54.9989% | 7,149 |
| Net loans and leases to core deposits | 69.2926% | 7,001 |
| Total domestic deposits to total assets | 81.2314% | 4,983 |
| Equity capital to assets | 14.1306% | 1,263 |
| Core capital (leverage) ratio | 12.1434% | 1,735 |
| Tier 1 risk-based capital ratio | 21.0247% | 1,362 |
| Total risk-based capital ratio | 21.9449% | 1,379 |
| Memoranda: | ||
| Average total assets | $127,325,250 | 4,418 |
| Average earning assets | $110,177,250 | 4,588 |
| Average equity | $17,806,500 | 3,563 |
| Average total loans | $57,723,750 | 5,393 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7150% | 3,455 |
| Cost of funding earning assets | 1.3362% | 6,690 |
| Net interest margin | 4.3788% | 1,453 |
| Noninterest income to average assets | 1.2186% | 1,042 |
| Noninterest expense to average assets | 3.3488% | 2,800 |
| Loan and lease loss provision to assets | 0.1909% | 5,134 |
| Net operating income to assets | 1.0563% | 1,926 |
| Return on assets (ROA) | 1.0563% | 2,001 |
| Pretax return on assets | 1.4795% | 1,501 |
| Return on Equity (ROE) | 7.5809% | 2,929 |
| Retained earnings to average equity (ytd only) | 7.5809% | 1,360 |
| Net charge-offs to loans | 0.1402% | 4,767 |
| Credit loss provision to net charge-offs | 300.0000% | 1,545 |
| Earnings coverage of net charge-offs (x) | 26.2500% | 1,086 |
| Efficiency ratio | 66.7195% | 5,413 |
| Assets per employee ($millions) | 2.8139% | 6,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1976% | 4,965 |
| Loan loss allowance to noncurrent loans | 179.6392% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.6989% | 5,662 |
| Noncurrent loans to loans | 0.6667% | 5,920 |
| Net loans and leases to total assets | 42.5726% | 7,414 |
| Net loans and leases to deposits | 51.9961% | 7,381 |
| Net loans and leases to core deposits | 62.1549% | 7,375 |
| Total domestic deposits to total assets | 81.8765% | 4,742 |
| Equity capital to assets | 13.1837% | 1,619 |
| Core capital (leverage) ratio | 12.6641% | 1,554 |
| Tier 1 risk-based capital ratio | 21.2274% | 1,359 |
| Total risk-based capital ratio | 22.2155% | 1,375 |
| Memoranda: | ||
| Average total assets | $125,718,330 | 4,486 |
| Average earning assets | $109,116,330 | 4,650 |
| Average equity | $17,517,670 | 3,611 |
| Average total loans | $57,062,670 | 5,464 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0652% | 2,091 |
| Cost of funding earning assets | 1.4339% | 6,624 |
| Net interest margin | 4.6313% | 892 |
| Noninterest income to average assets | 1.2822% | 872 |
| Noninterest expense to average assets | 3.4930% | 2,118 |
| Loan and lease loss provision to assets | 0.1983% | 4,458 |
| Net operating income to assets | 1.1236% | 1,886 |
| Return on assets (ROA) | 1.1236% | 2,010 |
| Pretax return on assets | 1.5829% | 1,450 |
| Return on Equity (ROE) | 7.8282% | 3,230 |
| Retained earnings to average equity (ytd only) | 7.8282% | 1,882 |
| Net charge-offs to loans | 0.0566% | 4,675 |
| Credit loss provision to net charge-offs | 750.0000% | 792 |
| Earnings coverage of net charge-offs (x) | 67.3750% | 591 |
| Efficiency ratio | 66.2281% | 5,286 |
| Assets per employee ($millions) | 2.5039% | 7,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1949% | 4,844 |
| Loan loss allowance to noncurrent loans | 129.9029% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 0.7646% | 5,254 |
| Noncurrent loans to loans | 0.9198% | 5,159 |
| Net loans and leases to total assets | 46.0291% | 7,185 |
| Net loans and leases to deposits | 57.3726% | 7,075 |
| Net loans and leases to core deposits | 70.7113% | 6,980 |
| Total domestic deposits to total assets | 80.2283% | 5,272 |
| Equity capital to assets | 14.6239% | 1,203 |
| Core capital (leverage) ratio | 13.3630% | 1,366 |
| Tier 1 risk-based capital ratio | 23.4656% | 1,143 |
| Total risk-based capital ratio | 24.5385% | 1,130 |
| Memoranda: | ||
| Average total assets | $121,043,500 | 4,619 |
| Average earning assets | $104,333,500 | 4,796 |
| Average equity | $17,373,000 | 3,660 |
| Average total loans | $56,494,500 | 5,524 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7161% | 1,971 |
| Cost of funding earning assets | 1.9276% | 6,649 |
| Net interest margin | 4.7885% | 796 |
| Noninterest income to average assets | 1.2894% | 886 |
| Noninterest expense to average assets | 3.5781% | 2,205 |
| Loan and lease loss provision to assets | 0.1368% | 5,608 |
| Net operating income to assets | 1.0496% | 2,349 |
| Return on assets (ROA) | 1.0851% | 2,121 |
| Pretax return on assets | 1.6331% | 1,302 |
| Return on Equity (ROE) | 7.0163% | 3,524 |
| Retained earnings to average equity (ytd only) | -10.6719% | 7,131 |
| Net charge-offs to loans | 0.8334% | 1,504 |
| Credit loss provision to net charge-offs | 32.8228% | 6,500 |
| Earnings coverage of net charge-offs (x) | 4.1182% | 4,097 |
| Efficiency ratio | 67.5853% | 4,804 |
| Assets per employee ($millions) | 2.5936% | 7,018 |
| Cash dividends to net income (ytd only)* | 252.1008% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0825% | 5,399 |
| Loan loss allowance to noncurrent loans | 129.0795% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 0.7523% | 4,963 |
| Noncurrent loans to loans | 0.8386% | 4,957 |
| Net loans and leases to total assets | 46.2527% | 7,307 |
| Net loans and leases to deposits | 57.9483% | 7,210 |
| Net loans and leases to core deposits | 71.7712% | 7,091 |
| Total domestic deposits to total assets | 79.8171% | 5,095 |
| Equity capital to assets | 14.0853% | 1,402 |
| Core capital (leverage) ratio | 13.8550% | 1,293 |
| Tier 1 risk-based capital ratio | 21.5821% | 1,378 |
| Total risk-based capital ratio | 22.5177% | 1,387 |
| Memoranda: | ||
| Average total assets | $109,666,000 | 4,797 |
| Average earning assets | $91,719,800 | 5,039 |
| Average equity | $16,960,400 | 3,746 |
| Average total loans | $54,832,800 | 5,498 |