Home > Denmark State Bank > Performance and Condition Ratios
Denmark State Bank, Performance and Condition Ratios
| 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 | 3.4273% | 2,352 |
| Cost of funding earning assets | 0.2724% | 1,998 |
| Net interest margin | 3.1549% | 2,345 |
| Noninterest income to average assets | 0.4331% | 2,553 |
| Noninterest expense to average assets | 2.2404% | 2,733 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7899% | 2,998 |
| Return on assets (ROA) | 0.7966% | 2,942 |
| Pretax return on assets | 1.0702% | 2,513 |
| Return on Equity (ROE) | 8.9008% | 2,728 |
| Retained earnings to average equity (ytd only) | 8.9008% | 1,317 |
| Net charge-offs to loans | 0.0076% | 1,714 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 201.1667% | 536 |
| Efficiency ratio | 67.8476% | 2,266 |
| Assets per employee ($millions) | 7.5551% | 1,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6585% | 1,038 |
| Loan loss allowance to noncurrent loans | 3,387.2807% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.0335% | 3,647 |
| Noncurrent loans to loans | 0.0490% | 3,584 |
| Net loans and leases to total assets | 67.3491% | 1,540 |
| Net loans and leases to deposits | 74.3912% | 1,823 |
| Net loans and leases to core deposits | 75.7697% | 2,037 |
| Total domestic deposits to total assets | 90.5337% | 1,448 |
| Equity capital to assets | 9.0829% | 2,335 |
| Core capital (leverage) ratio | 9.3357% | 3,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4059% | 1,898 |
| Memoranda: | ||
| Average total assets | $682,110,667 | 1,340 |
| Average earning assets | $620,305,667 | 1,369 |
| Average equity | $61,050,667 | 1,419 |
| Average total loans | $472,698,333 | 1,218 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3438% | 2,260 |
| Cost of funding earning assets | 0.2785% | 1,834 |
| Net interest margin | 3.0652% | 2,279 |
| Noninterest income to average assets | 0.4403% | 2,442 |
| Noninterest expense to average assets | 2.3543% | 2,325 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6511% | 3,225 |
| Return on assets (ROA) | 0.6645% | 3,160 |
| Pretax return on assets | 0.8864% | 2,826 |
| Return on Equity (ROE) | 7.4799% | 2,875 |
| Retained earnings to average equity (ytd only) | 7.4799% | 1,737 |
| Net charge-offs to loans | 0.0168% | 1,196 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 74.2500% | 776 |
| Efficiency ratio | 73.0294% | 1,852 |
| Assets per employee ($millions) | 6.9479% | 2,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6324% | 1,189 |
| Loan loss allowance to noncurrent loans | 2,482.6367% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.0457% | 3,583 |
| Noncurrent loans to loans | 0.0658% | 3,519 |
| Net loans and leases to total assets | 68.3331% | 1,182 |
| Net loans and leases to deposits | 75.3923% | 1,496 |
| Net loans and leases to core deposits | 76.9201% | 1,712 |
| Total domestic deposits to total assets | 90.6367% | 1,223 |
| Equity capital to assets | 8.9201% | 2,784 |
| Core capital (leverage) ratio | 9.1164% | 3,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9024% | 2,256 |
| Memoranda: | ||
| Average total assets | $683,186,000 | 1,351 |
| Average earning assets | $620,377,000 | 1,372 |
| Average equity | $60,696,000 | 1,465 |
| Average total loans | $476,212,500 | 1,203 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7767% | 1,925 |
| Cost of funding earning assets | 0.4314% | 1,317 |
| Net interest margin | 3.3453% | 2,188 |
| Noninterest income to average assets | 0.6953% | 1,781 |
| Noninterest expense to average assets | 2.4488% | 2,337 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9721% | 2,787 |
| Return on assets (ROA) | 0.9895% | 2,782 |
| Pretax return on assets | 1.3299% | 2,264 |
| Return on Equity (ROE) | 11.1333% | 2,119 |
| Retained earnings to average equity (ytd only) | 8.1417% | 1,484 |
| Net charge-offs to loans | -0.0152% | 3,884 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1860% | 2,372 |
| Assets per employee ($millions) | 6.6551% | 2,192 |
| Cash dividends to net income (ytd only)* | 26.8707% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6146% | 1,223 |
| Loan loss allowance to noncurrent loans | 1,716.4080% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.0658% | 3,509 |
| Noncurrent loans to loans | 0.0941% | 3,454 |
| Net loans and leases to total assets | 68.8114% | 1,173 |
| Net loans and leases to deposits | 75.9375% | 1,577 |
| Net loans and leases to core deposits | 77.5835% | 1,795 |
| Total domestic deposits to total assets | 90.6159% | 662 |
| Equity capital to assets | 8.8487% | 3,763 |
| Core capital (leverage) ratio | 9.0674% | 3,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6428% | 2,388 |
| Memoranda: | ||
| Average total assets | $660,409,800 | 1,342 |
| Average earning assets | $604,331,400 | 1,367 |
| Average equity | $58,698,000 | 1,537 |
| Average total loans | $479,240,400 | 1,200 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8282% | 1,956 |
| Cost of funding earning assets | 0.4766% | 1,176 |
| Net interest margin | 3.3516% | 2,289 |
| Noninterest income to average assets | 0.7458% | 1,685 |
| Noninterest expense to average assets | 2.4928% | 2,138 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9866% | 2,961 |
| Return on assets (ROA) | 1.0102% | 2,930 |
| Pretax return on assets | 1.3575% | 2,471 |
| Return on Equity (ROE) | 11.3520% | 2,259 |
| Retained earnings to average equity (ytd only) | 9.3409% | 1,556 |
| Net charge-offs to loans | -0.0109% | 3,707 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2475% | 2,207 |
| Assets per employee ($millions) | 5.7487% | 2,939 |
| Cash dividends to net income (ytd only)* | 17.7159% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6306% | 1,257 |
| Loan loss allowance to noncurrent loans | 1,636.3057% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.0712% | 3,634 |
| Noncurrent loans to loans | 0.0997% | 3,584 |
| Net loans and leases to total assets | 70.3269% | 1,051 |
| Net loans and leases to deposits | 77.8821% | 1,493 |
| Net loans and leases to core deposits | 79.6700% | 1,766 |
| Total domestic deposits to total assets | 90.2992% | 634 |
| Equity capital to assets | 9.0983% | 3,745 |
| Core capital (leverage) ratio | 9.0189% | 3,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8689% | 2,408 |
| Memoranda: | ||
| Average total assets | $654,142,500 | 1,369 |
| Average earning assets | $600,090,500 | 1,392 |
| Average equity | $58,208,500 | 1,574 |
| Average total loans | $479,193,250 | 1,225 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7423% | 2,224 |
| Cost of funding earning assets | 0.5548% | 917 |
| Net interest margin | 3.1875% | 2,789 |
| Noninterest income to average assets | 0.8294% | 1,458 |
| Noninterest expense to average assets | 2.5016% | 2,137 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9370% | 3,107 |
| Return on assets (ROA) | 0.9723% | 3,073 |
| Pretax return on assets | 1.3074% | 2,616 |
| Return on Equity (ROE) | 11.0108% | 2,418 |
| Retained earnings to average equity (ytd only) | 7.9602% | 2,087 |
| Net charge-offs to loans | -0.0079% | 3,587 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4575% | 2,087 |
| Assets per employee ($millions) | 6.4211% | 2,219 |
| Cash dividends to net income (ytd only)* | 27.7059% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5766% | 1,338 |
| Loan loss allowance to noncurrent loans | 1,856.7633% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.0632% | 3,802 |
| Noncurrent loans to loans | 0.0849% | 3,764 |
| Net loans and leases to total assets | 73.2698% | 830 |
| Net loans and leases to deposits | 81.0785% | 1,321 |
| Net loans and leases to core deposits | 83.1091% | 1,634 |
| Total domestic deposits to total assets | 90.3690% | 616 |
| Equity capital to assets | 8.9273% | 3,861 |
| Core capital (leverage) ratio | 8.7658% | 3,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6398% | 2,500 |
| Memoranda: | ||
| Average total assets | $651,823,333 | 1,362 |
| Average earning assets | $600,165,000 | 1,377 |
| Average equity | $57,561,667 | 1,581 |
| Average total loans | $481,378,333 | 1,223 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9754% | 1,649 |
| Cost of funding earning assets | 0.7506% | 449 |
| Net interest margin | 3.2249% | 2,619 |
| Noninterest income to average assets | 0.8686% | 1,414 |
| Noninterest expense to average assets | 2.5448% | 2,039 |
| Loan and lease loss provision to assets | 0.0461% | 2,154 |
| Net operating income to assets | 0.9274% | 3,055 |
| Return on assets (ROA) | 0.9984% | 2,905 |
| Pretax return on assets | 1.3435% | 2,450 |
| Return on Equity (ROE) | 11.3680% | 2,241 |
| Retained earnings to average equity (ytd only) | 11.3680% | 1,306 |
| Net charge-offs to loans | -0.0050% | 3,395 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1920% | 2,202 |
| Assets per employee ($millions) | 6.0564% | 2,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6208% | 1,238 |
| Loan loss allowance to noncurrent loans | 1,655.9829% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.0715% | 3,860 |
| Noncurrent loans to loans | 0.0979% | 3,815 |
| Net loans and leases to total assets | 71.9161% | 1,040 |
| Net loans and leases to deposits | 80.1770% | 1,505 |
| Net loans and leases to core deposits | 82.8822% | 1,765 |
| Total domestic deposits to total assets | 89.6967% | 973 |
| Equity capital to assets | 8.8328% | 3,851 |
| Core capital (leverage) ratio | 8.8263% | 3,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8406% | 2,350 |
| Memoranda: | ||
| Average total assets | $650,257,000 | 1,356 |
| Average earning assets | $600,087,000 | 1,372 |
| Average equity | $57,107,500 | 1,582 |
| Average total loans | $478,281,500 | 1,224 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9907% | 2,759 |
| Cost of funding earning assets | 0.7862% | 1,267 |
| Net interest margin | 3.2046% | 3,348 |
| Noninterest income to average assets | 0.7091% | 1,837 |
| Noninterest expense to average assets | 2.7192% | 2,179 |
| Loan and lease loss provision to assets | 0.1233% | 2,824 |
| Net operating income to assets | 0.6320% | 3,645 |
| Return on assets (ROA) | 0.6401% | 3,749 |
| Pretax return on assets | 0.8478% | 3,510 |
| Return on Equity (ROE) | 6.8766% | 3,256 |
| Retained earnings to average equity (ytd only) | 3.7114% | 2,974 |
| Net charge-offs to loans | -0.0092% | 4,246 |
| Credit loss provision to net charge-offs | -1,750.0000% | 4,164 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8887% | 1,461 |
| Assets per employee ($millions) | 6.0413% | 2,303 |
| Cash dividends to net income (ytd only)* | 46.0288% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6028% | 1,287 |
| Loan loss allowance to noncurrent loans | 1,420.0000% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.0835% | 3,912 |
| Noncurrent loans to loans | 0.1129% | 3,838 |
| Net loans and leases to total assets | 72.8236% | 1,184 |
| Net loans and leases to deposits | 82.2913% | 1,632 |
| Net loans and leases to core deposits | 85.3702% | 1,920 |
| Total domestic deposits to total assets | 88.4948% | 1,232 |
| Equity capital to assets | 8.7312% | 4,267 |
| Core capital (leverage) ratio | 8.6772% | 4,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2713% | 2,526 |
| Memoranda: | ||
| Average total assets | $595,979,600 | 1,339 |
| Average earning assets | $552,557,200 | 1,341 |
| Average equity | $55,478,000 | 1,549 |
| Average total loans | $457,393,400 | 1,211 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0745% | 2,746 |
| Cost of funding earning assets | 0.7225% | 1,887 |
| Net interest margin | 3.3520% | 3,039 |
| Noninterest income to average assets | 0.6539% | 1,972 |
| Noninterest expense to average assets | 2.7595% | 2,093 |
| Loan and lease loss provision to assets | 0.0423% | 3,826 |
| Net operating income to assets | 0.7254% | 3,373 |
| Return on assets (ROA) | 0.7254% | 3,471 |
| Pretax return on assets | 0.9631% | 3,189 |
| Return on Equity (ROE) | 7.6613% | 2,935 |
| Retained earnings to average equity (ytd only) | 5.5420% | 2,306 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2957% | 1,480 |
| Assets per employee ($millions) | 5.8244% | 2,423 |
| Cash dividends to net income (ytd only)* | 27.6623% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4090% | 1,702 |
| Loan loss allowance to noncurrent loans | 1,697.9644% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.0625% | 4,125 |
| Noncurrent loans to loans | 0.0830% | 4,036 |
| Net loans and leases to total assets | 74.2270% | 1,349 |
| Net loans and leases to deposits | 85.9417% | 1,716 |
| Net loans and leases to core deposits | 89.5432% | 2,015 |
| Total domestic deposits to total assets | 86.3690% | 1,908 |
| Equity capital to assets | 9.0130% | 4,113 |
| Core capital (leverage) ratio | 9.0249% | 3,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5817% | 2,379 |
| Memoranda: | ||
| Average total assets | $583,369,500 | 1,342 |
| Average earning assets | $541,441,750 | 1,346 |
| Average equity | $55,237,500 | 1,539 |
| Average total loans | $452,138,250 | 1,213 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2048% | 2,741 |
| Cost of funding earning assets | 0.7770% | 1,955 |
| Net interest margin | 3.4278% | 3,012 |
| Noninterest income to average assets | 0.6027% | 2,116 |
| Noninterest expense to average assets | 2.8373% | 2,004 |
| Loan and lease loss provision to assets | 0.0387% | 3,791 |
| Net operating income to assets | 0.6826% | 3,456 |
| Return on assets (ROA) | 0.6826% | 3,557 |
| Pretax return on assets | 0.9040% | 3,303 |
| Return on Equity (ROE) | 7.0829% | 3,099 |
| Retained earnings to average equity (ytd only) | 3.8793% | 2,968 |
| Net charge-offs to loans | -0.0081% | 4,148 |
| Credit loss provision to net charge-offs | -611.1111% | 3,648 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0605% | 1,364 |
| Assets per employee ($millions) | 5.6118% | 2,532 |
| Cash dividends to net income (ytd only)* | 45.2295% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4081% | 1,555 |
| Loan loss allowance to noncurrent loans | 1,545.7944% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.0693% | 4,180 |
| Noncurrent loans to loans | 0.0911% | 4,099 |
| Net loans and leases to total assets | 75.0419% | 1,275 |
| Net loans and leases to deposits | 87.0445% | 1,659 |
| Net loans and leases to core deposits | 90.9403% | 1,993 |
| Total domestic deposits to total assets | 86.2110% | 1,925 |
| Equity capital to assets | 8.9758% | 4,112 |
| Core capital (leverage) ratio | 9.2261% | 3,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4801% | 2,410 |
| Memoranda: | ||
| Average total assets | $568,146,667 | 1,351 |
| Average earning assets | $526,639,667 | 1,358 |
| Average equity | $54,751,667 | 1,535 |
| Average total loans | $444,988,000 | 1,218 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3894% | 2,657 |
| Cost of funding earning assets | 0.8588% | 2,065 |
| Net interest margin | 3.5306% | 2,881 |
| Noninterest income to average assets | 0.4879% | 2,616 |
| Noninterest expense to average assets | 2.9273% | 2,052 |
| Loan and lease loss provision to assets | 0.0258% | 3,467 |
| Net operating income to assets | 0.6100% | 3,571 |
| Return on assets (ROA) | 0.6100% | 3,629 |
| Pretax return on assets | 0.8021% | 3,409 |
| Return on Equity (ROE) | 6.0930% | 3,287 |
| Retained earnings to average equity (ytd only) | 6.0930% | 1,835 |
| Net charge-offs to loans | -0.0398% | 4,562 |
| Credit loss provision to net charge-offs | -81.3953% | 3,166 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9541% | 1,341 |
| Assets per employee ($millions) | 5.1166% | 2,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4827% | 1,396 |
| Loan loss allowance to noncurrent loans | 1,376.5199% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.0871% | 4,169 |
| Noncurrent loans to loans | 0.1077% | 4,085 |
| Net loans and leases to total assets | 79.6895% | 730 |
| Net loans and leases to deposits | 93.1333% | 1,169 |
| Net loans and leases to core deposits | 97.7317% | 1,660 |
| Total domestic deposits to total assets | 85.5650% | 2,185 |
| Equity capital to assets | 10.0431% | 3,739 |
| Core capital (leverage) ratio | 10.0848% | 3,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4215% | 2,519 |
| Memoranda: | ||
| Average total assets | $543,568,500 | 1,366 |
| Average earning assets | $503,031,000 | 1,376 |
| Average equity | $54,423,500 | 1,531 |
| Average total loans | $432,556,000 | 1,217 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5970% | 2,625 |
| Cost of funding earning assets | 0.8620% | 2,369 |
| Net interest margin | 3.7351% | 2,712 |
| Noninterest income to average assets | 0.4785% | 2,863 |
| Noninterest expense to average assets | 2.8504% | 2,440 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8395% | 3,420 |
| Return on assets (ROA) | 0.9686% | 3,042 |
| Pretax return on assets | 1.2908% | 2,533 |
| Return on Equity (ROE) | 9.4551% | 2,542 |
| Retained earnings to average equity (ytd only) | 6.1057% | 1,817 |
| Net charge-offs to loans | -0.0252% | 4,675 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6573% | 1,916 |
| Assets per employee ($millions) | 5.0911% | 2,466 |
| Cash dividends to net income (ytd only)* | 35.4247% | 2,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5365% | 1,120 |
| Loan loss allowance to noncurrent loans | 1,488.0734% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.0808% | 4,231 |
| Noncurrent loans to loans | 0.1033% | 4,109 |
| Net loans and leases to total assets | 77.0441% | 1,255 |
| Net loans and leases to deposits | 90.1522% | 1,570 |
| Net loans and leases to core deposits | 94.7497% | 2,000 |
| Total domestic deposits to total assets | 85.4600% | 2,313 |
| Equity capital to assets | 9.9810% | 3,939 |
| Core capital (leverage) ratio | 10.2199% | 3,277 |
| Tier 1 risk-based capital ratio | 12.4934% | 4,070 |
| Total risk-based capital ratio | 13.7466% | 3,954 |
| Memoranda: | ||
| Average total assets | $511,786,000 | 1,397 |
| Average earning assets | $479,483,000 | 1,380 |
| Average equity | $52,426,800 | 1,535 |
| Average total loans | $412,502,600 | 1,239 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5965% | 2,736 |
| Cost of funding earning assets | 0.8544% | 2,446 |
| Net interest margin | 3.7421% | 2,776 |
| Noninterest income to average assets | 0.4720% | 2,891 |
| Noninterest expense to average assets | 2.8332% | 2,462 |
| Loan and lease loss provision to assets | 0.0412% | 3,081 |
| Net operating income to assets | 0.8290% | 3,581 |
| Return on assets (ROA) | 0.9907% | 3,087 |
| Pretax return on assets | 1.3166% | 2,610 |
| Return on Equity (ROE) | 9.6052% | 2,620 |
| Retained earnings to average equity (ytd only) | 7.3569% | 1,690 |
| Net charge-offs to loans | -0.0088% | 4,338 |
| Credit loss provision to net charge-offs | -577.7778% | 4,348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0727% | 1,958 |
| Assets per employee ($millions) | 5.0209% | 2,536 |
| Cash dividends to net income (ytd only)* | 23.4071% | 2,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5797% | 1,032 |
| Loan loss allowance to noncurrent loans | 426.9831% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.2945% | 3,368 |
| Noncurrent loans to loans | 0.3700% | 3,232 |
| Net loans and leases to total assets | 78.3566% | 1,086 |
| Net loans and leases to deposits | 91.7754% | 1,465 |
| Net loans and leases to core deposits | 96.7249% | 1,943 |
| Total domestic deposits to total assets | 85.3786% | 2,261 |
| Equity capital to assets | 10.2692% | 3,753 |
| Core capital (leverage) ratio | 10.4807% | 3,120 |
| Tier 1 risk-based capital ratio | 12.7905% | 3,960 |
| Total risk-based capital ratio | 14.0444% | 3,851 |
| Memoranda: | ||
| Average total assets | $504,818,500 | 1,420 |
| Average earning assets | $474,091,500 | 1,406 |
| Average equity | $52,067,750 | 1,543 |
| Average total loans | $410,063,000 | 1,254 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5946% | 2,691 |
| Cost of funding earning assets | 0.8365% | 2,467 |
| Net interest margin | 3.7580% | 2,724 |
| Noninterest income to average assets | 0.4433% | 2,997 |
| Noninterest expense to average assets | 2.8419% | 2,437 |
| Loan and lease loss provision to assets | 0.0625% | 2,569 |
| Net operating income to assets | 0.7911% | 3,690 |
| Return on assets (ROA) | 1.0260% | 2,902 |
| Pretax return on assets | 1.3650% | 2,321 |
| Return on Equity (ROE) | 9.9322% | 2,421 |
| Retained earnings to average equity (ytd only) | 6.5258% | 2,037 |
| Net charge-offs to loans | -0.0171% | 4,498 |
| Credit loss provision to net charge-offs | -445.7143% | 4,115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5468% | 1,981 |
| Assets per employee ($millions) | 5.0536% | 2,412 |
| Cash dividends to net income (ytd only)* | 34.2969% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6141% | 1,000 |
| Loan loss allowance to noncurrent loans | 415.6131% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.3130% | 3,285 |
| Noncurrent loans to loans | 0.3884% | 3,135 |
| Net loans and leases to total assets | 79.3071% | 1,000 |
| Net loans and leases to deposits | 93.1640% | 1,355 |
| Net loans and leases to core deposits | 98.1417% | 1,879 |
| Total domestic deposits to total assets | 85.1264% | 2,421 |
| Equity capital to assets | 10.3661% | 3,634 |
| Core capital (leverage) ratio | 10.4844% | 3,113 |
| Tier 1 risk-based capital ratio | 12.8226% | 3,931 |
| Total risk-based capital ratio | 14.0772% | 3,833 |
| Memoranda: | ||
| Average total assets | $499,034,000 | 1,433 |
| Average earning assets | $468,598,000 | 1,418 |
| Average equity | $51,549,330 | 1,550 |
| Average total loans | $408,176,330 | 1,257 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5827% | 2,593 |
| Cost of funding earning assets | 0.8030% | 2,521 |
| Net interest margin | 3.7797% | 2,600 |
| Noninterest income to average assets | 0.3985% | 3,192 |
| Noninterest expense to average assets | 2.8782% | 2,333 |
| Loan and lease loss provision to assets | 0.0758% | 2,164 |
| Net operating income to assets | 0.7218% | 3,867 |
| Return on assets (ROA) | 1.1947% | 2,126 |
| Pretax return on assets | 1.5972% | 1,478 |
| Return on Equity (ROE) | 11.5859% | 1,700 |
| Retained earnings to average equity (ytd only) | 11.5859% | 688 |
| Net charge-offs to loans | -0.0029% | 3,921 |
| Credit loss provision to net charge-offs | -3,133.3333% | 4,146 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8163% | 1,910 |
| Assets per employee ($millions) | 5.2433% | 2,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5862% | 1,091 |
| Loan loss allowance to noncurrent loans | 1,336.0825% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.0974% | 4,323 |
| Noncurrent loans to loans | 0.1187% | 4,208 |
| Net loans and leases to total assets | 80.7123% | 755 |
| Net loans and leases to deposits | 95.6159% | 1,009 |
| Net loans and leases to core deposits | 100.6975% | 1,556 |
| Total domestic deposits to total assets | 84.4131% | 2,893 |
| Equity capital to assets | 10.4419% | 3,385 |
| Core capital (leverage) ratio | 10.6252% | 2,918 |
| Tier 1 risk-based capital ratio | 12.8120% | 3,974 |
| Total risk-based capital ratio | 14.0663% | 3,868 |
| Memoranda: | ||
| Average total assets | $495,872,000 | 1,446 |
| Average earning assets | $466,277,000 | 1,436 |
| Average equity | $51,131,000 | 1,549 |
| Average total loans | $408,584,500 | 1,265 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5495% | 2,298 |
| Cost of funding earning assets | 0.6049% | 2,679 |
| Net interest margin | 3.9445% | 2,180 |
| Noninterest income to average assets | 0.4272% | 3,261 |
| Noninterest expense to average assets | 2.8908% | 2,386 |
| Loan and lease loss provision to assets | 0.0785% | 2,558 |
| Net operating income to assets | 0.8810% | 3,490 |
| Return on assets (ROA) | 0.8824% | 3,477 |
| Pretax return on assets | 1.1636% | 3,047 |
| Return on Equity (ROE) | 8.5292% | 3,206 |
| Retained earnings to average equity (ytd only) | 4.3293% | 3,161 |
| Net charge-offs to loans | -0.0396% | 4,895 |
| Credit loss provision to net charge-offs | -243.5065% | 4,506 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9747% | 2,188 |
| Assets per employee ($millions) | 5.1420% | 2,333 |
| Cash dividends to net income (ytd only)* | 49.2406% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5622% | 1,110 |
| Loan loss allowance to noncurrent loans | 952.8358% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.1357% | 4,140 |
| Noncurrent loans to loans | 0.1640% | 4,010 |
| Net loans and leases to total assets | 81.4913% | 733 |
| Net loans and leases to deposits | 95.2357% | 1,148 |
| Net loans and leases to core deposits | 100.6639% | 1,670 |
| Total domestic deposits to total assets | 85.5681% | 2,409 |
| Equity capital to assets | 10.1795% | 3,490 |
| Core capital (leverage) ratio | 10.3497% | 3,201 |
| Tier 1 risk-based capital ratio | 12.5295% | 4,117 |
| Total risk-based capital ratio | 13.7840% | 3,988 |
| Memoranda: | ||
| Average total assets | $477,577,000 | 1,466 |
| Average earning assets | $448,467,000 | 1,453 |
| Average equity | $49,407,000 | 1,530 |
| Average total loans | $388,603,800 | 1,285 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4713% | 2,395 |
| Cost of funding earning assets | 0.5690% | 2,714 |
| Net interest margin | 3.9023% | 2,291 |
| Noninterest income to average assets | 0.4265% | 3,310 |
| Noninterest expense to average assets | 2.8827% | 2,359 |
| Loan and lease loss provision to assets | 0.0211% | 3,593 |
| Net operating income to assets | 0.8994% | 3,534 |
| Return on assets (ROA) | 0.8998% | 3,537 |
| Pretax return on assets | 1.1881% | 3,036 |
| Return on Equity (ROE) | 8.6617% | 3,258 |
| Retained earnings to average equity (ytd only) | 6.2821% | 2,498 |
| Net charge-offs to loans | -0.0344% | 4,799 |
| Credit loss provision to net charge-offs | -75.7576% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4583% | 2,127 |
| Assets per employee ($millions) | 4.9364% | 2,552 |
| Cash dividends to net income (ytd only)* | 27.4719% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5089% | 1,319 |
| Loan loss allowance to noncurrent loans | 852.7581% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.1447% | 4,224 |
| Noncurrent loans to loans | 0.1769% | 4,095 |
| Net loans and leases to total assets | 80.5256% | 943 |
| Net loans and leases to deposits | 92.0349% | 1,623 |
| Net loans and leases to core deposits | 97.6901% | 1,963 |
| Total domestic deposits to total assets | 87.4946% | 1,493 |
| Equity capital to assets | 10.2675% | 3,380 |
| Core capital (leverage) ratio | 10.5285% | 3,052 |
| Tier 1 risk-based capital ratio | 12.7094% | 4,077 |
| Total risk-based capital ratio | 13.9628% | 3,974 |
| Memoranda: | ||
| Average total assets | $473,564,250 | 1,482 |
| Average earning assets | $444,751,000 | 1,472 |
| Average equity | $49,196,500 | 1,543 |
| Average total loans | $383,592,750 | 1,301 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4415% | 2,286 |
| Cost of funding earning assets | 0.5444% | 2,657 |
| Net interest margin | 3.8971% | 2,207 |
| Noninterest income to average assets | 0.4354% | 3,253 |
| Noninterest expense to average assets | 2.9006% | 2,356 |
| Loan and lease loss provision to assets | 0.0320% | 3,273 |
| Net operating income to assets | 0.8753% | 3,561 |
| Return on assets (ROA) | 0.8760% | 3,559 |
| Pretax return on assets | 1.1551% | 3,111 |
| Return on Equity (ROE) | 8.3979% | 3,316 |
| Retained earnings to average equity (ytd only) | 4.8046% | 3,185 |
| Net charge-offs to loans | -0.0254% | 4,670 |
| Credit loss provision to net charge-offs | -156.2500% | 4,147 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9735% | 2,167 |
| Assets per employee ($millions) | 4.8086% | 2,669 |
| Cash dividends to net income (ytd only)* | 42.7875% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5167% | 1,347 |
| Loan loss allowance to noncurrent loans | 1,121.5760% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.1120% | 4,435 |
| Noncurrent loans to loans | 0.1352% | 4,299 |
| Net loans and leases to total assets | 81.5367% | 764 |
| Net loans and leases to deposits | 93.3447% | 1,431 |
| Net loans and leases to core deposits | 98.6698% | 1,837 |
| Total domestic deposits to total assets | 87.3501% | 1,705 |
| Equity capital to assets | 10.3306% | 3,309 |
| Core capital (leverage) ratio | 10.5209% | 3,011 |
| Tier 1 risk-based capital ratio | 12.6668% | 4,084 |
| Total risk-based capital ratio | 13.9202% | 3,983 |
| Memoranda: | ||
| Average total assets | $468,516,670 | 1,505 |
| Average earning assets | $438,997,670 | 1,493 |
| Average equity | $48,869,330 | 1,556 |
| Average total loans | $378,269,330 | 1,312 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4083% | 2,170 |
| Cost of funding earning assets | 0.5037% | 2,768 |
| Net interest margin | 3.9046% | 2,029 |
| Noninterest income to average assets | 0.4519% | 3,096 |
| Noninterest expense to average assets | 2.9108% | 2,325 |
| Loan and lease loss provision to assets | 0.0646% | 2,479 |
| Net operating income to assets | 0.8547% | 3,481 |
| Return on assets (ROA) | 0.8547% | 3,497 |
| Pretax return on assets | 1.1258% | 3,067 |
| Return on Equity (ROE) | 8.1536% | 3,316 |
| Retained earnings to average equity (ytd only) | 8.1536% | 1,784 |
| Net charge-offs to loans | -0.0410% | 4,879 |
| Credit loss provision to net charge-offs | -197.3684% | 3,806 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9759% | 2,344 |
| Assets per employee ($millions) | 4.5793% | 3,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5707% | 1,226 |
| Loan loss allowance to noncurrent loans | 576.0618% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.2218% | 3,990 |
| Noncurrent loans to loans | 0.2727% | 3,792 |
| Net loans and leases to total assets | 80.0679% | 923 |
| Net loans and leases to deposits | 91.9144% | 1,459 |
| Net loans and leases to core deposits | 98.4710% | 1,806 |
| Total domestic deposits to total assets | 87.1113% | 2,077 |
| Equity capital to assets | 10.4949% | 3,083 |
| Core capital (leverage) ratio | 10.7045% | 2,735 |
| Tier 1 risk-based capital ratio | 13.0618% | 3,919 |
| Total risk-based capital ratio | 14.3159% | 3,826 |
| Memoranda: | ||
| Average total assets | $464,749,000 | 1,529 |
| Average earning assets | $434,360,000 | 1,514 |
| Average equity | $48,714,500 | 1,567 |
| Average total loans | $370,336,500 | 1,343 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2117% | 2,644 |
| Cost of funding earning assets | 0.4353% | 2,911 |
| Net interest margin | 3.7764% | 2,515 |
| Noninterest income to average assets | 0.5082% | 2,948 |
| Noninterest expense to average assets | 3.0473% | 2,025 |
| Loan and lease loss provision to assets | 0.0831% | 2,540 |
| Net operating income to assets | 0.5805% | 4,097 |
| Return on assets (ROA) | 0.5805% | 4,136 |
| Pretax return on assets | 0.9211% | 3,838 |
| Return on Equity (ROE) | 5.3714% | 4,015 |
| Retained earnings to average equity (ytd only) | 0.2564% | 4,922 |
| Net charge-offs to loans | -0.0362% | 5,107 |
| Credit loss provision to net charge-offs | -290.6977% | 4,862 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2133% | 1,729 |
| Assets per employee ($millions) | 4.3624% | 3,388 |
| Cash dividends to net income (ytd only)* | 95.2272% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6231% | 1,091 |
| Loan loss allowance to noncurrent loans | 501.2842% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.2526% | 3,873 |
| Noncurrent loans to loans | 0.3238% | 3,608 |
| Net loans and leases to total assets | 76.7420% | 1,474 |
| Net loans and leases to deposits | 88.1773% | 2,001 |
| Net loans and leases to core deposits | 93.5132% | 2,241 |
| Total domestic deposits to total assets | 87.0315% | 1,981 |
| Equity capital to assets | 10.4688% | 3,196 |
| Core capital (leverage) ratio | 10.6136% | 2,726 |
| Tier 1 risk-based capital ratio | 13.3231% | 3,730 |
| Total risk-based capital ratio | 14.5775% | 3,637 |
| Memoranda: | ||
| Average total assets | $451,186,200 | 1,541 |
| Average earning assets | $423,341,000 | 1,524 |
| Average equity | $48,758,000 | 1,550 |
| Average total loans | $356,568,400 | 1,359 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1924% | 2,646 |
| Cost of funding earning assets | 0.4239% | 2,943 |
| Net interest margin | 3.7685% | 2,510 |
| Noninterest income to average assets | 0.5094% | 2,971 |
| Noninterest expense to average assets | 3.1074% | 1,779 |
| Loan and lease loss provision to assets | 0.1115% | 1,921 |
| Net operating income to assets | 0.5674% | 4,518 |
| Return on assets (ROA) | 0.5674% | 4,557 |
| Pretax return on assets | 0.8326% | 4,263 |
| Return on Equity (ROE) | 5.2082% | 4,441 |
| Retained earnings to average equity (ytd only) | 2.4840% | 4,406 |
| Net charge-offs to loans | -0.0345% | 5,043 |
| Credit loss provision to net charge-offs | -407.6087% | 4,762 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6972% | 1,498 |
| Assets per employee ($millions) | 4.2955% | 3,478 |
| Cash dividends to net income (ytd only)* | 52.3059% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6140% | 1,207 |
| Loan loss allowance to noncurrent loans | 618.9362% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.2064% | 4,255 |
| Noncurrent loans to loans | 0.2608% | 4,026 |
| Net loans and leases to total assets | 77.8897% | 1,287 |
| Net loans and leases to deposits | 89.7960% | 1,833 |
| Net loans and leases to core deposits | 95.0489% | 2,164 |
| Total domestic deposits to total assets | 86.7407% | 1,978 |
| Equity capital to assets | 10.8531% | 3,013 |
| Core capital (leverage) ratio | 10.8874% | 2,561 |
| Tier 1 risk-based capital ratio | 13.6507% | 3,614 |
| Total risk-based capital ratio | 14.9051% | 3,542 |
| Memoranda: | ||
| Average total assets | $448,379,500 | 1,560 |
| Average earning assets | $421,450,750 | 1,541 |
| Average equity | $48,845,250 | 1,562 |
| Average total loans | $355,530,500 | 1,377 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1895% | 2,507 |
| Cost of funding earning assets | 0.4193% | 2,901 |
| Net interest margin | 3.7702% | 2,409 |
| Noninterest income to average assets | 0.5291% | 2,834 |
| Noninterest expense to average assets | 3.1220% | 1,790 |
| Loan and lease loss provision to assets | 0.1121% | 1,831 |
| Net operating income to assets | 0.5717% | 4,422 |
| Return on assets (ROA) | 0.5717% | 4,479 |
| Pretax return on assets | 0.8389% | 4,131 |
| Return on Equity (ROE) | 5.2410% | 4,376 |
| Retained earnings to average equity (ytd only) | 1.1386% | 4,785 |
| Net charge-offs to loans | -0.0260% | 4,890 |
| Credit loss provision to net charge-offs | -543.4783% | 4,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6513% | 1,625 |
| Assets per employee ($millions) | 4.2274% | 3,568 |
| Cash dividends to net income (ytd only)* | 78.2745% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5937% | 1,271 |
| Loan loss allowance to noncurrent loans | 635.9234% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.1982% | 4,380 |
| Noncurrent loans to loans | 0.2506% | 4,135 |
| Net loans and leases to total assets | 77.8154% | 1,272 |
| Net loans and leases to deposits | 89.8001% | 1,754 |
| Net loans and leases to core deposits | 94.8972% | 2,079 |
| Total domestic deposits to total assets | 86.6540% | 2,110 |
| Equity capital to assets | 10.8991% | 2,924 |
| Core capital (leverage) ratio | 10.9113% | 2,489 |
| Tier 1 risk-based capital ratio | 13.7320% | 3,570 |
| Total risk-based capital ratio | 14.9862% | 3,486 |
| Memoranda: | ||
| Average total assets | $446,064,000 | 1,575 |
| Average earning assets | $419,284,670 | 1,553 |
| Average equity | $48,654,670 | 1,569 |
| Average total loans | $353,884,000 | 1,380 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0746% | 2,750 |
| Cost of funding earning assets | 0.4141% | 2,866 |
| Net interest margin | 3.6605% | 2,651 |
| Noninterest income to average assets | 0.5375% | 2,722 |
| Noninterest expense to average assets | 3.0622% | 1,978 |
| Loan and lease loss provision to assets | 0.1123% | 1,704 |
| Net operating income to assets | 0.5555% | 4,349 |
| Return on assets (ROA) | 0.5555% | 4,396 |
| Pretax return on assets | 0.8107% | 4,072 |
| Return on Equity (ROE) | 5.0903% | 4,346 |
| Retained earnings to average equity (ytd only) | 5.0903% | 2,837 |
| Net charge-offs to loans | -0.0418% | 5,102 |
| Credit loss provision to net charge-offs | -337.8378% | 4,157 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8381% | 1,777 |
| Assets per employee ($millions) | 4.7918% | 2,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5604% | 1,477 |
| Loan loss allowance to noncurrent loans | 587.7399% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.2215% | 4,334 |
| Noncurrent loans to loans | 0.2655% | 4,161 |
| Net loans and leases to total assets | 78.0443% | 1,132 |
| Net loans and leases to deposits | 90.2159% | 1,504 |
| Net loans and leases to core deposits | 95.6616% | 1,840 |
| Total domestic deposits to total assets | 86.5083% | 2,434 |
| Equity capital to assets | 10.9917% | 2,633 |
| Core capital (leverage) ratio | 10.9030% | 2,473 |
| Tier 1 risk-based capital ratio | 13.8920% | 3,546 |
| Total risk-based capital ratio | 15.1461% | 3,457 |
| Memoranda: | ||
| Average total assets | $445,044,500 | 1,581 |
| Average earning assets | $419,179,000 | 1,563 |
| Average equity | $48,562,500 | 1,567 |
| Average total loans | $353,656,000 | 1,387 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0865% | 2,909 |
| Cost of funding earning assets | 0.3932% | 3,063 |
| Net interest margin | 3.6933% | 2,721 |
| Noninterest income to average assets | 0.6604% | 2,368 |
| Noninterest expense to average assets | 2.8402% | 2,874 |
| Loan and lease loss provision to assets | 0.0701% | 2,957 |
| Net operating income to assets | 0.8262% | 3,178 |
| Return on assets (ROA) | 0.8262% | 3,278 |
| Pretax return on assets | 1.2004% | 2,672 |
| Return on Equity (ROE) | 7.3647% | 3,289 |
| Retained earnings to average equity (ytd only) | 3.4617% | 3,465 |
| Net charge-offs to loans | 0.1275% | 1,972 |
| Credit loss provision to net charge-offs | 71.9424% | 3,101 |
| Earnings coverage of net charge-offs (x) | 13.0456% | 2,401 |
| Efficiency ratio | 69.0944% | 3,056 |
| Assets per employee ($millions) | 5.2288% | 2,138 |
| Cash dividends to net income (ytd only)* | 52.9960% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5116% | 1,624 |
| Loan loss allowance to noncurrent loans | 548.2582% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.2331% | 4,375 |
| Noncurrent loans to loans | 0.2757% | 4,171 |
| Net loans and leases to total assets | 78.4458% | 1,133 |
| Net loans and leases to deposits | 90.5980% | 1,621 |
| Net loans and leases to core deposits | 99.4756% | 1,663 |
| Total domestic deposits to total assets | 86.5866% | 2,338 |
| Equity capital to assets | 10.8318% | 2,783 |
| Core capital (leverage) ratio | 11.0771% | 2,277 |
| Tier 1 risk-based capital ratio | 13.8021% | 3,579 |
| Total risk-based capital ratio | 15.0557% | 3,486 |
| Memoranda: | ||
| Average total assets | $428,202,200 | 1,587 |
| Average earning assets | $400,026,800 | 1,565 |
| Average equity | $48,040,200 | 1,578 |
| Average total loans | $327,135,600 | 1,425 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0766% | 2,963 |
| Cost of funding earning assets | 0.3883% | 3,142 |
| Net interest margin | 3.6883% | 2,761 |
| Noninterest income to average assets | 0.5831% | 2,746 |
| Noninterest expense to average assets | 2.6981% | 3,352 |
| Loan and lease loss provision to assets | 0.0707% | 2,802 |
| Net operating income to assets | 0.8296% | 3,237 |
| Return on assets (ROA) | 0.8296% | 3,367 |
| Pretax return on assets | 1.2536% | 2,606 |
| Return on Equity (ROE) | 7.3281% | 3,387 |
| Retained earnings to average equity (ytd only) | 4.8900% | 2,901 |
| Net charge-offs to loans | 0.2567% | 913 |
| Credit loss provision to net charge-offs | 36.4668% | 3,182 |
| Earnings coverage of net charge-offs (x) | 6.8282% | 2,956 |
| Efficiency ratio | 67.0756% | 3,412 |
| Assets per employee ($millions) | 5.0845% | 2,273 |
| Cash dividends to net income (ytd only)* | 33.2702% | 2,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5115% | 1,723 |
| Loan loss allowance to noncurrent loans | 386.3014% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.3179% | 4,138 |
| Noncurrent loans to loans | 0.3913% | 3,862 |
| Net loans and leases to total assets | 76.5297% | 1,435 |
| Net loans and leases to deposits | 88.9335% | 1,898 |
| Net loans and leases to core deposits | 97.7235% | 1,839 |
| Total domestic deposits to total assets | 86.0527% | 2,324 |
| Equity capital to assets | 11.3486% | 2,657 |
| Core capital (leverage) ratio | 11.2973% | 2,192 |
| Tier 1 risk-based capital ratio | 14.5652% | 3,257 |
| Total risk-based capital ratio | 15.8188% | 3,192 |
| Memoranda: | ||
| Average total assets | $424,140,000 | 1,603 |
| Average earning assets | $395,515,000 | 1,587 |
| Average equity | $48,014,750 | 1,581 |
| Average total loans | $320,418,500 | 1,450 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0612% | 3,021 |
| Cost of funding earning assets | 0.3785% | 3,265 |
| Net interest margin | 3.6827% | 2,770 |
| Noninterest income to average assets | 0.5671% | 2,811 |
| Noninterest expense to average assets | 2.7163% | 3,334 |
| Loan and lease loss provision to assets | 0.0712% | 2,710 |
| Net operating income to assets | 0.7996% | 3,311 |
| Return on assets (ROA) | 0.7996% | 3,454 |
| Pretax return on assets | 1.2058% | 2,762 |
| Return on Equity (ROE) | 7.0693% | 3,500 |
| Retained earnings to average equity (ytd only) | 3.3899% | 3,733 |
| Net charge-offs to loans | 0.4409% | 512 |
| Credit loss provision to net charge-offs | 21.5827% | 2,918 |
| Earnings coverage of net charge-offs (x) | 3.8719% | 3,049 |
| Efficiency ratio | 68.0214% | 3,343 |
| Assets per employee ($millions) | 4.9964% | 2,299 |
| Cash dividends to net income (ytd only)* | 52.0475% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5233% | 1,781 |
| Loan loss allowance to noncurrent loans | 313.6306% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.3697% | 4,012 |
| Noncurrent loans to loans | 0.4857% | 3,634 |
| Net loans and leases to total assets | 74.9559% | 1,657 |
| Net loans and leases to deposits | 87.1364% | 2,118 |
| Net loans and leases to core deposits | 95.8825% | 1,985 |
| Total domestic deposits to total assets | 86.0213% | 2,411 |
| Equity capital to assets | 11.3276% | 2,717 |
| Core capital (leverage) ratio | 11.3176% | 2,132 |
| Tier 1 risk-based capital ratio | 14.5215% | 3,309 |
| Total risk-based capital ratio | 15.7750% | 3,236 |
| Memoranda: | ||
| Average total assets | $421,458,670 | 1,612 |
| Average earning assets | $392,100,330 | 1,600 |
| Average equity | $47,670,670 | 1,590 |
| Average total loans | $315,283,000 | 1,470 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0854% | 2,903 |
| Cost of funding earning assets | 0.3776% | 3,323 |
| Net interest margin | 3.7078% | 2,640 |
| Noninterest income to average assets | 0.5183% | 3,003 |
| Noninterest expense to average assets | 2.6686% | 3,523 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8632% | 2,928 |
| Return on assets (ROA) | 0.8632% | 3,042 |
| Pretax return on assets | 1.3110% | 2,261 |
| Return on Equity (ROE) | 7.6371% | 3,114 |
| Retained earnings to average equity (ytd only) | 7.6371% | 1,612 |
| Net charge-offs to loans | 0.0668% | 1,819 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 26.4615% | 1,273 |
| Efficiency ratio | 67.0577% | 3,624 |
| Assets per employee ($millions) | 5.0485% | 2,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7246% | 1,304 |
| Loan loss allowance to noncurrent loans | 548.7335% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.2541% | 4,542 |
| Noncurrent loans to loans | 0.3143% | 4,306 |
| Net loans and leases to total assets | 74.5544% | 1,641 |
| Net loans and leases to deposits | 85.0755% | 2,186 |
| Net loans and leases to core deposits | 90.2859% | 2,345 |
| Total domestic deposits to total assets | 87.6333% | 1,844 |
| Equity capital to assets | 11.5988% | 2,352 |
| Core capital (leverage) ratio | 11.3683% | 2,077 |
| Tier 1 risk-based capital ratio | 15.2997% | 3,014 |
| Total risk-based capital ratio | 16.5562% | 2,954 |
| Memoranda: | ||
| Average total assets | $419,843,000 | 1,613 |
| Average earning assets | $391,931,000 | 1,600 |
| Average equity | $47,452,500 | 1,590 |
| Average total loans | $311,297,500 | 1,476 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0358% | 3,166 |
| Cost of funding earning assets | 0.3831% | 3,339 |
| Net interest margin | 3.6527% | 2,927 |
| Noninterest income to average assets | 0.4687% | 3,539 |
| Noninterest expense to average assets | 2.6042% | 3,905 |
| Loan and lease loss provision to assets | 0.0342% | 3,670 |
| Net operating income to assets | 0.8492% | 3,118 |
| Return on assets (ROA) | 0.8313% | 3,261 |
| Pretax return on assets | 1.2509% | 2,466 |
| Return on Equity (ROE) | 7.3288% | 3,345 |
| Retained earnings to average equity (ytd only) | 3.2872% | 3,706 |
| Net charge-offs to loans | -0.0499% | 5,551 |
| Credit loss provision to net charge-offs | -91.5033% | 5,125 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4939% | 3,829 |
| Assets per employee ($millions) | 5.0680% | 2,283 |
| Cash dividends to net income (ytd only)* | 55.1471% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7722% | 1,187 |
| Loan loss allowance to noncurrent loans | 437.0903% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.2939% | 4,419 |
| Noncurrent loans to loans | 0.4055% | 4,006 |
| Net loans and leases to total assets | 71.1925% | 2,174 |
| Net loans and leases to deposits | 80.7509% | 2,735 |
| Net loans and leases to core deposits | 86.0779% | 2,789 |
| Total domestic deposits to total assets | 88.1631% | 1,550 |
| Equity capital to assets | 11.0143% | 2,809 |
| Core capital (leverage) ratio | 11.2766% | 2,137 |
| Tier 1 risk-based capital ratio | 15.3408% | 3,018 |
| Total risk-based capital ratio | 16.5976% | 2,958 |
| Memoranda: | ||
| Average total assets | $408,996,800 | 1,615 |
| Average earning assets | $386,044,000 | 1,586 |
| Average equity | $46,392,200 | 1,593 |
| Average total loans | $306,574,800 | 1,447 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0317% | 3,201 |
| Cost of funding earning assets | 0.3830% | 3,399 |
| Net interest margin | 3.6487% | 2,966 |
| Noninterest income to average assets | 0.4687% | 3,573 |
| Noninterest expense to average assets | 2.6174% | 3,810 |
| Loan and lease loss provision to assets | 0.0461% | 3,283 |
| Net operating income to assets | 0.8390% | 3,227 |
| Return on assets (ROA) | 0.8145% | 3,453 |
| Pretax return on assets | 1.2229% | 2,718 |
| Return on Equity (ROE) | 7.1264% | 3,553 |
| Retained earnings to average equity (ytd only) | 4.5963% | 3,201 |
| Net charge-offs to loans | -0.0348% | 5,417 |
| Credit loss provision to net charge-offs | -175.0000% | 5,145 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7198% | 3,761 |
| Assets per employee ($millions) | 5.0328% | 2,266 |
| Cash dividends to net income (ytd only)* | 35.5035% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7293% | 1,408 |
| Loan loss allowance to noncurrent loans | 385.9084% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 0.3388% | 4,421 |
| Noncurrent loans to loans | 0.4481% | 4,004 |
| Net loans and leases to total assets | 74.2905% | 1,685 |
| Net loans and leases to deposits | 84.6365% | 2,324 |
| Net loans and leases to core deposits | 90.7739% | 2,374 |
| Total domestic deposits to total assets | 87.7760% | 1,667 |
| Equity capital to assets | 11.4215% | 2,561 |
| Core capital (leverage) ratio | 11.4728% | 2,059 |
| Tier 1 risk-based capital ratio | 15.5586% | 3,021 |
| Total risk-based capital ratio | 16.8156% | 2,945 |
| Memoranda: | ||
| Average total assets | $404,818,000 | 1,641 |
| Average earning assets | $383,251,750 | 1,607 |
| Average equity | $46,268,000 | 1,606 |
| Average total loans | $306,082,750 | 1,454 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9865% | 3,350 |
| Cost of funding earning assets | 0.3770% | 3,532 |
| Net interest margin | 3.6095% | 3,044 |
| Noninterest income to average assets | 0.4600% | 3,632 |
| Noninterest expense to average assets | 2.5803% | 3,978 |
| Loan and lease loss provision to assets | 0.0696% | 2,717 |
| Net operating income to assets | 0.8202% | 3,281 |
| Return on assets (ROA) | 0.7762% | 3,612 |
| Pretax return on assets | 1.1711% | 2,895 |
| Return on Equity (ROE) | 6.7901% | 3,735 |
| Retained earnings to average equity (ytd only) | 2.9709% | 4,146 |
| Net charge-offs to loans | -0.0309% | 5,346 |
| Credit loss provision to net charge-offs | -297.8723% | 5,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3725% | 3,953 |
| Assets per employee ($millions) | 4.8015% | 2,539 |
| Cash dividends to net income (ytd only)* | 56.2460% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7504% | 1,492 |
| Loan loss allowance to noncurrent loans | 270.2621% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.4919% | 3,982 |
| Noncurrent loans to loans | 0.6477% | 3,533 |
| Net loans and leases to total assets | 74.6231% | 1,564 |
| Net loans and leases to deposits | 85.0385% | 2,182 |
| Net loans and leases to core deposits | 90.8154% | 2,261 |
| Total domestic deposits to total assets | 87.7522% | 1,768 |
| Equity capital to assets | 11.4274% | 2,475 |
| Core capital (leverage) ratio | 11.4472% | 2,037 |
| Tier 1 risk-based capital ratio | 15.8260% | 2,941 |
| Total risk-based capital ratio | 17.0837% | 2,900 |
| Memoranda: | ||
| Average total assets | $402,194,670 | 1,662 |
| Average earning assets | $381,939,330 | 1,617 |
| Average equity | $45,979,000 | 1,621 |
| Average total loans | $304,116,000 | 1,463 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9747% | 3,316 |
| Cost of funding earning assets | 0.3754% | 3,588 |
| Net interest margin | 3.5994% | 3,009 |
| Noninterest income to average assets | 0.4631% | 3,551 |
| Noninterest expense to average assets | 2.5765% | 4,013 |
| Loan and lease loss provision to assets | 0.0697% | 2,544 |
| Net operating income to assets | 0.8239% | 3,138 |
| Return on assets (ROA) | 0.7778% | 3,512 |
| Pretax return on assets | 1.1672% | 2,799 |
| Return on Equity (ROE) | 6.8026% | 3,606 |
| Retained earnings to average equity (ytd only) | 6.8026% | 2,097 |
| Net charge-offs to loans | -0.1703% | 6,011 |
| Credit loss provision to net charge-offs | -54.2636% | 4,405 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3674% | 4,085 |
| Assets per employee ($millions) | 4.8015% | 2,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7676% | 1,568 |
| Loan loss allowance to noncurrent loans | 276.7250% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.4873% | 4,075 |
| Noncurrent loans to loans | 0.6388% | 3,673 |
| Net loans and leases to total assets | 74.9386% | 1,365 |
| Net loans and leases to deposits | 85.6565% | 1,878 |
| Net loans and leases to core deposits | 89.4478% | 2,183 |
| Total domestic deposits to total assets | 87.4874% | 2,113 |
| Equity capital to assets | 11.6710% | 2,321 |
| Core capital (leverage) ratio | 11.4704% | 2,020 |
| Tier 1 risk-based capital ratio | 15.7571% | 3,034 |
| Total risk-based capital ratio | 17.0142% | 2,970 |
| Memoranda: | ||
| Average total assets | $401,628,000 | 1,669 |
| Average earning assets | $381,510,000 | 1,627 |
| Average equity | $45,923,500 | 1,624 |
| Average total loans | $303,005,000 | 1,465 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9143% | 4,076 |
| Cost of funding earning assets | 0.7685% | 767 |
| Net interest margin | 3.1458% | 5,080 |
| Noninterest income to average assets | 0.4132% | 4,087 |
| Noninterest expense to average assets | 2.5261% | 4,464 |
| Loan and lease loss provision to assets | 0.0972% | 2,526 |
| Net operating income to assets | 0.5447% | 4,619 |
| Return on assets (ROA) | 0.5051% | 4,875 |
| Pretax return on assets | 0.7087% | 4,592 |
| Return on Equity (ROE) | 4.6364% | 4,828 |
| Retained earnings to average equity (ytd only) | 1.3447% | 5,172 |
| Net charge-offs to loans | 0.2760% | 1,567 |
| Credit loss provision to net charge-offs | 49.0798% | 3,503 |
| Earnings coverage of net charge-offs (x) | 4.3521% | 3,678 |
| Efficiency ratio | 74.5644% | 2,739 |
| Assets per employee ($millions) | 4.9967% | 2,327 |
| Cash dividends to net income (ytd only)* | 70.9957% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7137% | 1,741 |
| Loan loss allowance to noncurrent loans | 130.4512% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 1.0345% | 2,673 |
| Noncurrent loans to loans | 1.3136% | 2,244 |
| Net loans and leases to total assets | 73.3356% | 1,702 |
| Net loans and leases to deposits | 83.3423% | 2,290 |
| Net loans and leases to core deposits | 86.8165% | 2,622 |
| Total domestic deposits to total assets | 87.9932% | 1,777 |
| Equity capital to assets | 11.2013% | 2,693 |
| Core capital (leverage) ratio | 11.0320% | 2,380 |
| Tier 1 risk-based capital ratio | 15.1792% | 3,391 |
| Total risk-based capital ratio | 16.4352% | 3,337 |
| Memoranda: | ||
| Average total assets | $411,621,600 | 1,607 |
| Average earning assets | $389,216,000 | 1,565 |
| Average equity | $44,841,200 | 1,611 |
| Average total loans | $295,295,600 | 1,448 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8720% | 4,271 |
| Cost of funding earning assets | 0.5687% | 2,114 |
| Net interest margin | 3.3033% | 4,593 |
| Noninterest income to average assets | 0.3968% | 4,270 |
| Noninterest expense to average assets | 2.3541% | 4,958 |
| Loan and lease loss provision to assets | 0.0968% | 2,428 |
| Net operating income to assets | 0.7251% | 3,813 |
| Return on assets (ROA) | 0.7251% | 3,916 |
| Pretax return on assets | 1.0712% | 3,295 |
| Return on Equity (ROE) | 6.7026% | 3,851 |
| Retained earnings to average equity (ytd only) | 4.0848% | 3,742 |
| Net charge-offs to loans | 0.1866% | 1,972 |
| Credit loss provision to net charge-offs | 72.9927% | 2,714 |
| Earnings coverage of net charge-offs (x) | 8.8102% | 2,746 |
| Efficiency ratio | 66.8376% | 4,077 |
| Assets per employee ($millions) | 5.0617% | 2,169 |
| Cash dividends to net income (ytd only)* | 39.0570% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8450% | 1,587 |
| Loan loss allowance to noncurrent loans | 109.9739% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 1.2707% | 2,420 |
| Noncurrent loans to loans | 1.6776% | 1,943 |
| Net loans and leases to total assets | 71.1099% | 2,008 |
| Net loans and leases to deposits | 83.3465% | 2,250 |
| Net loans and leases to core deposits | 86.6392% | 2,592 |
| Total domestic deposits to total assets | 85.3184% | 3,202 |
| Equity capital to assets | 11.1877% | 2,777 |
| Core capital (leverage) ratio | 11.1706% | 2,339 |
| Tier 1 risk-based capital ratio | 15.5180% | 3,307 |
| Total risk-based capital ratio | 16.7754% | 3,245 |
| Memoranda: | ||
| Average total assets | $413,344,500 | 1,614 |
| Average earning assets | $391,072,750 | 1,569 |
| Average equity | $44,717,750 | 1,617 |
| Average total loans | $293,623,000 | 1,462 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8412% | 4,366 |
| Cost of funding earning assets | 0.5801% | 2,068 |
| Net interest margin | 3.2612% | 4,732 |
| Noninterest income to average assets | 0.4063% | 4,201 |
| Noninterest expense to average assets | 2.3023% | 5,146 |
| Loan and lease loss provision to assets | 0.0965% | 2,415 |
| Net operating income to assets | 0.7301% | 3,677 |
| Return on assets (ROA) | 0.7301% | 3,772 |
| Pretax return on assets | 1.0814% | 3,179 |
| Return on Equity (ROE) | 6.8255% | 3,708 |
| Retained earnings to average equity (ytd only) | 2.8646% | 4,379 |
| Net charge-offs to loans | 0.0205% | 3,806 |
| Credit loss provision to net charge-offs | 666.6667% | 466 |
| Earnings coverage of net charge-offs (x) | 81.3667% | 651 |
| Efficiency ratio | 66.1536% | 4,343 |
| Assets per employee ($millions) | 5.0785% | 2,115 |
| Cash dividends to net income (ytd only)* | 58.0304% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9376% | 1,488 |
| Loan loss allowance to noncurrent loans | 107.8248% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 1.3332% | 2,455 |
| Noncurrent loans to loans | 1.7970% | 1,910 |
| Net loans and leases to total assets | 70.0017% | 2,085 |
| Net loans and leases to deposits | 82.0477% | 2,245 |
| Net loans and leases to core deposits | 85.4198% | 2,567 |
| Total domestic deposits to total assets | 85.3183% | 3,351 |
| Equity capital to assets | 10.8117% | 3,076 |
| Core capital (leverage) ratio | 10.9254% | 2,503 |
| Tier 1 risk-based capital ratio | 15.2232% | 3,511 |
| Total risk-based capital ratio | 16.4819% | 3,454 |
| Memoranda: | ||
| Average total assets | $414,461,000 | 1,608 |
| Average earning assets | $390,655,670 | 1,574 |
| Average equity | $44,334,000 | 1,612 |
| Average total loans | $292,488,330 | 1,461 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8182% | 4,411 |
| Cost of funding earning assets | 0.5892% | 2,071 |
| Net interest margin | 3.2290% | 4,820 |
| Noninterest income to average assets | 0.4112% | 4,097 |
| Noninterest expense to average assets | 2.3054% | 5,178 |
| Loan and lease loss provision to assets | 0.0967% | 2,313 |
| Net operating income to assets | 0.7111% | 3,627 |
| Return on assets (ROA) | 0.7111% | 3,710 |
| Pretax return on assets | 1.0574% | 3,096 |
| Return on Equity (ROE) | 6.6835% | 3,646 |
| Retained earnings to average equity (ytd only) | 6.6835% | 2,197 |
| Net charge-offs to loans | 0.0138% | 3,325 |
| Credit loss provision to net charge-offs | 1,000.0000% | 304 |
| Earnings coverage of net charge-offs (x) | 119.3000% | 402 |
| Efficiency ratio | 66.6387% | 4,423 |
| Assets per employee ($millions) | 5.0927% | 2,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9462% | 1,631 |
| Loan loss allowance to noncurrent loans | 103.4608% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 1.3466% | 2,623 |
| Noncurrent loans to loans | 1.8811% | 2,023 |
| Net loans and leases to total assets | 69.3745% | 1,999 |
| Net loans and leases to deposits | 81.4910% | 2,102 |
| Net loans and leases to core deposits | 85.0709% | 2,412 |
| Total domestic deposits to total assets | 85.1315% | 3,809 |
| Equity capital to assets | 10.8172% | 2,917 |
| Core capital (leverage) ratio | 11.0412% | 2,346 |
| Tier 1 risk-based capital ratio | 15.4428% | 3,471 |
| Total risk-based capital ratio | 16.7014% | 3,423 |
| Memoranda: | ||
| Average total assets | $413,473,000 | 1,624 |
| Average earning assets | $390,336,500 | 1,583 |
| Average equity | $43,989,000 | 1,613 |
| Average total loans | $290,096,000 | 1,479 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9636% | 4,226 |
| Cost of funding earning assets | 0.6638% | 2,085 |
| Net interest margin | 3.2998% | 4,663 |
| Noninterest income to average assets | 0.5016% | 3,746 |
| Noninterest expense to average assets | 2.3300% | 5,289 |
| Loan and lease loss provision to assets | 0.0997% | 3,139 |
| Net operating income to assets | 0.7856% | 3,366 |
| Return on assets (ROA) | 0.7706% | 3,534 |
| Pretax return on assets | 1.1440% | 2,793 |
| Return on Equity (ROE) | 7.1770% | 3,468 |
| Retained earnings to average equity (ytd only) | 4.1190% | 3,244 |
| Net charge-offs to loans | 0.1650% | 3,161 |
| Credit loss provision to net charge-offs | 86.5801% | 2,852 |
| Earnings coverage of net charge-offs (x) | 10.9935% | 2,290 |
| Efficiency ratio | 64.7903% | 4,773 |
| Assets per employee ($millions) | 4.9338% | 2,261 |
| Cash dividends to net income (ytd only)* | 42.6076% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9387% | 1,685 |
| Loan loss allowance to noncurrent loans | 100.6663% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 1.3556% | 2,718 |
| Noncurrent loans to loans | 1.9259% | 2,082 |
| Net loans and leases to total assets | 68.2241% | 2,316 |
| Net loans and leases to deposits | 79.8312% | 2,479 |
| Net loans and leases to core deposits | 83.2431% | 2,751 |
| Total domestic deposits to total assets | 85.4605% | 3,523 |
| Equity capital to assets | 10.4614% | 3,213 |
| Core capital (leverage) ratio | 11.0160% | 2,369 |
| Tier 1 risk-based capital ratio | 15.2872% | 3,490 |
| Total risk-based capital ratio | 16.5456% | 3,438 |
| Memoranda: | ||
| Average total assets | $401,121,200 | 1,642 |
| Average earning assets | $376,173,400 | 1,604 |
| Average equity | $43,068,400 | 1,629 |
| Average total loans | $280,039,800 | 1,508 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9746% | 4,227 |
| Cost of funding earning assets | 0.6754% | 2,134 |
| Net interest margin | 3.2992% | 4,642 |
| Noninterest income to average assets | 0.5212% | 3,666 |
| Noninterest expense to average assets | 2.3982% | 5,029 |
| Loan and lease loss provision to assets | 0.1006% | 3,085 |
| Net operating income to assets | 0.7719% | 3,499 |
| Return on assets (ROA) | 0.7578% | 3,698 |
| Pretax return on assets | 1.0947% | 3,135 |
| Return on Equity (ROE) | 7.0112% | 3,641 |
| Retained earnings to average equity (ytd only) | 4.5367% | 3,445 |
| Net charge-offs to loans | 0.1650% | 2,911 |
| Credit loss provision to net charge-offs | 87.2093% | 2,688 |
| Earnings coverage of net charge-offs (x) | 10.5435% | 2,345 |
| Efficiency ratio | 66.3606% | 4,420 |
| Assets per employee ($millions) | 4.9578% | 2,217 |
| Cash dividends to net income (ytd only)* | 35.2940% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9651% | 1,812 |
| Loan loss allowance to noncurrent loans | 99.7155% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 1.4079% | 2,844 |
| Noncurrent loans to loans | 1.9707% | 2,285 |
| Net loans and leases to total assets | 69.6659% | 2,023 |
| Net loans and leases to deposits | 81.9629% | 2,143 |
| Net loans and leases to core deposits | 85.5295% | 2,464 |
| Total domestic deposits to total assets | 84.9969% | 3,750 |
| Equity capital to assets | 10.7250% | 3,040 |
| Core capital (leverage) ratio | 11.1174% | 2,368 |
| Tier 1 risk-based capital ratio | 15.3895% | 3,520 |
| Total risk-based capital ratio | 16.6481% | 3,474 |
| Memoranda: | ||
| Average total assets | $397,792,250 | 1,664 |
| Average earning assets | $372,887,250 | 1,628 |
| Average equity | $42,996,500 | 1,640 |
| Average total loans | $277,965,750 | 1,518 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9678% | 4,234 |
| Cost of funding earning assets | 0.6763% | 2,251 |
| Net interest margin | 3.2916% | 4,617 |
| Noninterest income to average assets | 0.5442% | 3,546 |
| Noninterest expense to average assets | 2.4200% | 5,000 |
| Loan and lease loss provision to assets | 0.1009% | 3,111 |
| Net operating income to assets | 0.7747% | 3,438 |
| Return on assets (ROA) | 0.7677% | 3,636 |
| Pretax return on assets | 1.0990% | 3,099 |
| Return on Equity (ROE) | 7.0837% | 3,550 |
| Retained earnings to average equity (ytd only) | 3.3696% | 4,174 |
| Net charge-offs to loans | 0.1133% | 3,230 |
| Credit loss provision to net charge-offs | 128.2051% | 1,764 |
| Earnings coverage of net charge-offs (x) | 15.3782% | 1,745 |
| Efficiency ratio | 66.6667% | 4,415 |
| Assets per employee ($millions) | 4.9770% | 2,139 |
| Cash dividends to net income (ytd only)* | 52.4310% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0203% | 1,807 |
| Loan loss allowance to noncurrent loans | 127.3418% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 1.1646% | 3,421 |
| Noncurrent loans to loans | 1.5865% | 2,928 |
| Net loans and leases to total assets | 69.3793% | 2,003 |
| Net loans and leases to deposits | 81.8871% | 2,074 |
| Net loans and leases to core deposits | 83.8352% | 2,585 |
| Total domestic deposits to total assets | 84.7256% | 4,027 |
| Equity capital to assets | 10.7878% | 2,955 |
| Core capital (leverage) ratio | 11.0627% | 2,295 |
| Tier 1 risk-based capital ratio | 15.3132% | 3,590 |
| Total risk-based capital ratio | 16.5728% | 3,538 |
| Memoranda: | ||
| Average total assets | $396,528,000 | 1,667 |
| Average earning assets | $371,738,330 | 1,631 |
| Average equity | $42,972,000 | 1,642 |
| Average total loans | $275,495,670 | 1,532 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9489% | 4,299 |
| Cost of funding earning assets | 0.6804% | 2,384 |
| Net interest margin | 3.2685% | 4,638 |
| Noninterest income to average assets | 0.5762% | 3,266 |
| Noninterest expense to average assets | 2.4058% | 5,103 |
| Loan and lease loss provision to assets | 0.1011% | 2,990 |
| Net operating income to assets | 0.7962% | 3,184 |
| Return on assets (ROA) | 0.7955% | 3,322 |
| Pretax return on assets | 1.1372% | 2,826 |
| Return on Equity (ROE) | 7.3241% | 3,310 |
| Retained earnings to average equity (ytd only) | 7.3241% | 2,016 |
| Net charge-offs to loans | 0.2262% | 2,088 |
| Credit loss provision to net charge-offs | 64.9351% | 2,362 |
| Earnings coverage of net charge-offs (x) | 7.9610% | 1,999 |
| Efficiency ratio | 66.0011% | 4,658 |
| Assets per employee ($millions) | 4.9123% | 2,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0620% | 1,886 |
| Loan loss allowance to noncurrent loans | 121.5899% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 1.2934% | 3,382 |
| Noncurrent loans to loans | 1.6959% | 3,000 |
| Net loans and leases to total assets | 67.6570% | 2,083 |
| Net loans and leases to deposits | 79.9605% | 2,078 |
| Net loans and leases to core deposits | 81.6374% | 2,621 |
| Total domestic deposits to total assets | 84.6130% | 4,220 |
| Equity capital to assets | 11.0371% | 2,920 |
| Core capital (leverage) ratio | 11.0946% | 2,185 |
| Tier 1 risk-based capital ratio | 15.7132% | 3,416 |
| Total risk-based capital ratio | 16.9727% | 3,373 |
| Memoranda: | ||
| Average total assets | $395,711,000 | 1,689 |
| Average earning assets | $371,542,000 | 1,651 |
| Average equity | $42,981,500 | 1,662 |
| Average total loans | $272,274,500 | 1,561 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3108% | 4,152 |
| Cost of funding earning assets | 0.8358% | 2,385 |
| Net interest margin | 3.4750% | 4,603 |
| Noninterest income to average assets | 0.5315% | 3,700 |
| Noninterest expense to average assets | 2.4120% | 5,373 |
| Loan and lease loss provision to assets | 0.1526% | 3,705 |
| Net operating income to assets | 0.8091% | 3,245 |
| Return on assets (ROA) | 0.8204% | 3,435 |
| Pretax return on assets | 1.2316% | 2,673 |
| Return on Equity (ROE) | 7.7845% | 3,190 |
| Retained earnings to average equity (ytd only) | 4.6548% | 2,940 |
| Net charge-offs to loans | 0.3596% | 2,834 |
| Credit loss provision to net charge-offs | 60.4839% | 4,430 |
| Earnings coverage of net charge-offs (x) | 5.4204% | 3,040 |
| Efficiency ratio | 63.0669% | 5,063 |
| Assets per employee ($millions) | 5.1082% | 2,084 |
| Cash dividends to net income (ytd only)* | 40.2046% | 2,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0698% | 1,834 |
| Loan loss allowance to noncurrent loans | 126.7549% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 1.2228% | 3,614 |
| Noncurrent loans to loans | 1.6329% | 3,175 |
| Net loans and leases to total assets | 67.1165% | 2,343 |
| Net loans and leases to deposits | 78.9487% | 2,407 |
| Net loans and leases to core deposits | 80.4367% | 2,950 |
| Total domestic deposits to total assets | 85.0128% | 3,859 |
| Equity capital to assets | 10.6889% | 3,296 |
| Core capital (leverage) ratio | 10.8541% | 2,385 |
| Tier 1 risk-based capital ratio | 15.4622% | 3,452 |
| Total risk-based capital ratio | 16.7220% | 3,406 |
| Memoranda: | ||
| Average total assets | $393,241,800 | 1,666 |
| Average earning assets | $367,538,400 | 1,627 |
| Average equity | $41,441,200 | 1,684 |
| Average total loans | $275,888,400 | 1,508 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3378% | 4,302 |
| Cost of funding earning assets | 0.8721% | 2,377 |
| Net interest margin | 3.4657% | 4,780 |
| Noninterest income to average assets | 0.4854% | 4,021 |
| Noninterest expense to average assets | 2.4408% | 5,268 |
| Loan and lease loss provision to assets | 0.1786% | 3,352 |
| Net operating income to assets | 0.7349% | 3,755 |
| Return on assets (ROA) | 0.7538% | 3,927 |
| Pretax return on assets | 1.1335% | 3,217 |
| Return on Equity (ROE) | 7.1793% | 3,710 |
| Retained earnings to average equity (ytd only) | 4.9180% | 3,422 |
| Net charge-offs to loans | 0.3360% | 2,776 |
| Credit loss provision to net charge-offs | 75.3228% | 3,759 |
| Earnings coverage of net charge-offs (x) | 5.4146% | 3,034 |
| Efficiency ratio | 64.5082% | 4,711 |
| Assets per employee ($millions) | 5.2259% | 1,911 |
| Cash dividends to net income (ytd only)* | 31.4981% | 2,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1089% | 1,885 |
| Loan loss allowance to noncurrent loans | 95.3719% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 1.6353% | 3,135 |
| Noncurrent loans to loans | 2.2113% | 2,604 |
| Net loans and leases to total assets | 68.6373% | 2,186 |
| Net loans and leases to deposits | 81.7214% | 2,160 |
| Net loans and leases to core deposits | 83.3314% | 2,772 |
| Total domestic deposits to total assets | 83.9893% | 4,225 |
| Equity capital to assets | 10.6166% | 3,711 |
| Core capital (leverage) ratio | 10.8850% | 2,504 |
| Tier 1 risk-based capital ratio | 15.1517% | 3,739 |
| Total risk-based capital ratio | 16.4121% | 3,681 |
| Memoranda: | ||
| Average total assets | $391,942,250 | 1,694 |
| Average earning assets | $366,322,250 | 1,651 |
| Average equity | $41,154,250 | 1,711 |
| Average total loans | $276,592,750 | 1,516 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3713% | 4,300 |
| Cost of funding earning assets | 0.9085% | 2,330 |
| Net interest margin | 3.4628% | 4,831 |
| Noninterest income to average assets | 0.4567% | 4,242 |
| Noninterest expense to average assets | 2.4470% | 5,304 |
| Loan and lease loss provision to assets | 0.1538% | 3,597 |
| Net operating income to assets | 0.7333% | 3,691 |
| Return on assets (ROA) | 0.7068% | 4,094 |
| Pretax return on assets | 1.0497% | 3,519 |
| Return on Equity (ROE) | 6.7570% | 3,914 |
| Retained earnings to average equity (ytd only) | 3.3368% | 4,381 |
| Net charge-offs to loans | 0.2123% | 3,297 |
| Credit loss provision to net charge-offs | 102.3891% | 2,657 |
| Earnings coverage of net charge-offs (x) | 8.2765% | 2,323 |
| Efficiency ratio | 64.9812% | 4,725 |
| Assets per employee ($millions) | 4.7939% | 2,449 |
| Cash dividends to net income (ytd only)* | 50.6164% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1669% | 1,851 |
| Loan loss allowance to noncurrent loans | 84.4426% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 1.9588% | 2,831 |
| Noncurrent loans to loans | 2.5661% | 2,347 |
| Net loans and leases to total assets | 70.3678% | 1,859 |
| Net loans and leases to deposits | 83.8487% | 1,872 |
| Net loans and leases to core deposits | 85.4041% | 2,504 |
| Total domestic deposits to total assets | 83.9224% | 4,345 |
| Equity capital to assets | 10.6054% | 3,563 |
| Core capital (leverage) ratio | 10.7316% | 2,560 |
| Tier 1 risk-based capital ratio | 14.7994% | 3,895 |
| Total risk-based capital ratio | 16.0606% | 3,857 |
| Memoranda: | ||
| Average total assets | $390,199,000 | 1,697 |
| Average earning assets | $364,329,670 | 1,660 |
| Average equity | $40,817,000 | 1,712 |
| Average total loans | $275,963,330 | 1,522 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3164% | 4,675 |
| Cost of funding earning assets | 0.9315% | 2,431 |
| Net interest margin | 3.3849% | 5,179 |
| Noninterest income to average assets | 0.5256% | 3,734 |
| Noninterest expense to average assets | 2.4564% | 5,297 |
| Loan and lease loss provision to assets | 0.1534% | 3,456 |
| Net operating income to assets | 0.7306% | 3,731 |
| Return on assets (ROA) | 0.7077% | 4,067 |
| Pretax return on assets | 1.0482% | 3,506 |
| Return on Equity (ROE) | 6.8119% | 3,890 |
| Retained earnings to average equity (ytd only) | 6.8119% | 2,526 |
| Net charge-offs to loans | 0.1823% | 3,013 |
| Credit loss provision to net charge-offs | 120.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 9.6640% | 1,822 |
| Efficiency ratio | 65.2078% | 4,698 |
| Assets per employee ($millions) | 4.7515% | 2,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1974% | 1,888 |
| Loan loss allowance to noncurrent loans | 67.0126% | 4,169 |
| Noncurrent assets plus other real estate owned to assets | 2.4870% | 2,377 |
| Noncurrent loans to loans | 3.2791% | 1,952 |
| Net loans and leases to total assets | 69.3397% | 1,881 |
| Net loans and leases to deposits | 82.8977% | 1,808 |
| Net loans and leases to core deposits | 84.4974% | 2,481 |
| Total domestic deposits to total assets | 83.6449% | 4,659 |
| Equity capital to assets | 10.5283% | 3,457 |
| Core capital (leverage) ratio | 10.5668% | 2,678 |
| Tier 1 risk-based capital ratio | 14.8431% | 3,859 |
| Total risk-based capital ratio | 16.1045% | 3,822 |
| Memoranda: | ||
| Average total assets | $391,146,500 | 1,703 |
| Average earning assets | $365,862,000 | 1,655 |
| Average equity | $40,635,000 | 1,711 |
| Average total loans | $274,298,500 | 1,535 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6372% | 4,517 |
| Cost of funding earning assets | 1.0983% | 2,687 |
| Net interest margin | 3.5389% | 4,987 |
| Noninterest income to average assets | 0.4999% | 3,842 |
| Noninterest expense to average assets | 2.4751% | 5,554 |
| Loan and lease loss provision to assets | 0.1570% | 4,672 |
| Net operating income to assets | 0.8153% | 2,974 |
| Return on assets (ROA) | 0.7832% | 3,285 |
| Pretax return on assets | 1.0971% | 2,850 |
| Return on Equity (ROE) | 7.5286% | 3,133 |
| Retained earnings to average equity (ytd only) | 3.0150% | 4,080 |
| Net charge-offs to loans | 0.3259% | 3,759 |
| Credit loss provision to net charge-offs | 67.7201% | 4,938 |
| Earnings coverage of net charge-offs (x) | 5.6061% | 2,741 |
| Efficiency ratio | 64.2456% | 5,086 |
| Assets per employee ($millions) | 4.7309% | 2,545 |
| Cash dividends to net income (ytd only)* | 59.9532% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2195% | 1,766 |
| Loan loss allowance to noncurrent loans | 69.8360% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 2.4087% | 2,525 |
| Noncurrent loans to loans | 3.1781% | 2,037 |
| Net loans and leases to total assets | 67.8225% | 2,438 |
| Net loans and leases to deposits | 80.7552% | 2,402 |
| Net loans and leases to core deposits | 82.2237% | 3,151 |
| Total domestic deposits to total assets | 83.9854% | 4,320 |
| Equity capital to assets | 10.2502% | 3,851 |
| Core capital (leverage) ratio | 10.7162% | 2,510 |
| Tier 1 risk-based capital ratio | 14.7572% | 3,790 |
| Total risk-based capital ratio | 16.0189% | 3,758 |
| Memoranda: | ||
| Average total assets | $382,281,000 | 1,692 |
| Average earning assets | $353,727,400 | 1,674 |
| Average equity | $39,768,400 | 1,702 |
| Average total loans | $271,864,200 | 1,552 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7311% | 4,317 |
| Cost of funding earning assets | 1.1361% | 2,726 |
| Net interest margin | 3.5950% | 4,793 |
| Noninterest income to average assets | 0.4625% | 4,199 |
| Noninterest expense to average assets | 2.5231% | 5,388 |
| Loan and lease loss provision to assets | 0.1580% | 4,491 |
| Net operating income to assets | 0.7992% | 3,167 |
| Return on assets (ROA) | 0.7694% | 3,465 |
| Pretax return on assets | 1.0647% | 3,150 |
| Return on Equity (ROE) | 7.3679% | 3,352 |
| Retained earnings to average equity (ytd only) | 4.6844% | 3,394 |
| Net charge-offs to loans | 0.3906% | 3,160 |
| Credit loss provision to net charge-offs | 56.5327% | 4,884 |
| Earnings coverage of net charge-offs (x) | 4.5226% | 3,039 |
| Efficiency ratio | 65.2851% | 4,849 |
| Assets per employee ($millions) | 4.5151% | 2,887 |
| Cash dividends to net income (ytd only)* | 36.4216% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2094% | 1,839 |
| Loan loss allowance to noncurrent loans | 73.3097% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 2.6522% | 2,439 |
| Noncurrent loans to loans | 3.0138% | 2,295 |
| Net loans and leases to total assets | 69.8463% | 2,107 |
| Net loans and leases to deposits | 83.8726% | 2,024 |
| Net loans and leases to core deposits | 85.5230% | 2,845 |
| Total domestic deposits to total assets | 83.2767% | 4,571 |
| Equity capital to assets | 10.6880% | 3,478 |
| Core capital (leverage) ratio | 10.8427% | 2,525 |
| Tier 1 risk-based capital ratio | 14.7996% | 3,775 |
| Total risk-based capital ratio | 16.0611% | 3,743 |
| Memoranda: | ||
| Average total assets | $379,684,750 | 1,716 |
| Average earning assets | $351,141,500 | 1,693 |
| Average equity | $39,648,250 | 1,701 |
| Average total loans | $271,740,000 | 1,573 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7759% | 4,193 |
| Cost of funding earning assets | 1.1621% | 2,838 |
| Net interest margin | 3.6138% | 4,667 |
| Noninterest income to average assets | 0.4771% | 4,051 |
| Noninterest expense to average assets | 2.5491% | 5,357 |
| Loan and lease loss provision to assets | 0.1580% | 4,343 |
| Net operating income to assets | 0.8116% | 3,020 |
| Return on assets (ROA) | 0.7835% | 3,268 |
| Pretax return on assets | 1.0784% | 2,940 |
| Return on Equity (ROE) | 7.5624% | 3,165 |
| Retained earnings to average equity (ytd only) | 3.5068% | 4,020 |
| Net charge-offs to loans | 0.5713% | 2,396 |
| Credit loss provision to net charge-offs | 38.6100% | 4,840 |
| Earnings coverage of net charge-offs (x) | 3.1158% | 3,298 |
| Efficiency ratio | 65.3401% | 4,992 |
| Assets per employee ($millions) | 4.5311% | 2,786 |
| Cash dividends to net income (ytd only)* | 53.6290% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1867% | 1,951 |
| Loan loss allowance to noncurrent loans | 81.6457% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 2.1721% | 3,021 |
| Noncurrent loans to loans | 2.6783% | 2,715 |
| Net loans and leases to total assets | 69.6264% | 2,295 |
| Net loans and leases to deposits | 83.9986% | 2,109 |
| Net loans and leases to core deposits | 85.5815% | 2,981 |
| Total domestic deposits to total assets | 82.8899% | 4,806 |
| Equity capital to assets | 10.5644% | 3,424 |
| Core capital (leverage) ratio | 10.6299% | 2,586 |
| Tier 1 risk-based capital ratio | 14.5949% | 3,732 |
| Total risk-based capital ratio | 15.8558% | 3,694 |
| Memoranda: | ||
| Average total assets | $379,824,000 | 1,723 |
| Average earning assets | $351,765,330 | 1,702 |
| Average equity | $39,352,330 | 1,705 |
| Average total loans | $272,023,670 | 1,591 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8077% | 4,027 |
| Cost of funding earning assets | 1.1886% | 2,889 |
| Net interest margin | 3.6191% | 4,487 |
| Noninterest income to average assets | 0.4842% | 4,015 |
| Noninterest expense to average assets | 2.5769% | 5,305 |
| Loan and lease loss provision to assets | 0.1572% | 4,060 |
| Net operating income to assets | 0.8077% | 2,989 |
| Return on assets (ROA) | 0.7891% | 3,156 |
| Pretax return on assets | 1.0658% | 2,881 |
| Return on Equity (ROE) | 7.6909% | 3,048 |
| Retained earnings to average equity (ytd only) | 7.6909% | 1,843 |
| Net charge-offs to loans | 0.4333% | 2,399 |
| Credit loss provision to net charge-offs | 50.5051% | 3,738 |
| Earnings coverage of net charge-offs (x) | 4.0101% | 2,579 |
| Efficiency ratio | 66.0548% | 5,030 |
| Assets per employee ($millions) | 4.6135% | 2,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2661% | 1,829 |
| Loan loss allowance to noncurrent loans | 78.7470% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 2.1747% | 3,100 |
| Noncurrent loans to loans | 2.8777% | 2,614 |
| Net loans and leases to total assets | 70.5004% | 2,033 |
| Net loans and leases to deposits | 84.9928% | 1,877 |
| Net loans and leases to core deposits | 86.7299% | 2,767 |
| Total domestic deposits to total assets | 82.9486% | 4,955 |
| Equity capital to assets | 10.4377% | 3,248 |
| Core capital (leverage) ratio | 10.5846% | 2,521 |
| Tier 1 risk-based capital ratio | 14.1885% | 3,942 |
| Total risk-based capital ratio | 15.4500% | 3,906 |
| Memoranda: | ||
| Average total assets | $381,694,500 | 1,723 |
| Average earning assets | $352,350,000 | 1,705 |
| Average equity | $39,163,000 | 1,696 |
| Average total loans | $274,182,000 | 1,601 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2445% | 3,392 |
| Cost of funding earning assets | 1.3892% | 3,342 |
| Net interest margin | 3.8553% | 3,713 |
| Noninterest income to average assets | 0.4626% | 4,423 |
| Noninterest expense to average assets | 2.6902% | 5,035 |
| Loan and lease loss provision to assets | 0.3218% | 4,244 |
| Net operating income to assets | 0.7733% | 2,912 |
| Return on assets (ROA) | 0.7624% | 3,069 |
| Pretax return on assets | 0.9820% | 2,988 |
| Return on Equity (ROE) | 7.5383% | 2,878 |
| Retained earnings to average equity (ytd only) | 4.8921% | 2,484 |
| Net charge-offs to loans | 0.2198% | 4,976 |
| Credit loss provision to net charge-offs | 199.3355% | 1,580 |
| Earnings coverage of net charge-offs (x) | 8.1628% | 2,005 |
| Efficiency ratio | 65.8370% | 5,001 |
| Assets per employee ($millions) | 4.5304% | 2,812 |
| Cash dividends to net income (ytd only)* | 35.1038% | 2,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2982% | 1,696 |
| Loan loss allowance to noncurrent loans | 73.3349% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 2.4662% | 2,808 |
| Noncurrent loans to loans | 3.1339% | 2,433 |
| Net loans and leases to total assets | 69.8919% | 2,555 |
| Net loans and leases to deposits | 83.6092% | 2,512 |
| Net loans and leases to core deposits | 85.7461% | 3,355 |
| Total domestic deposits to total assets | 83.5935% | 4,561 |
| Equity capital to assets | 10.0861% | 3,639 |
| Core capital (leverage) ratio | 10.6558% | 2,409 |
| Tier 1 risk-based capital ratio | 13.7899% | 3,998 |
| Total risk-based capital ratio | 15.0520% | 3,972 |
| Memoranda: | ||
| Average total assets | $372,903,200 | 1,766 |
| Average earning assets | $342,933,800 | 1,742 |
| Average equity | $37,714,200 | 1,750 |
| Average total loans | $273,901,600 | 1,631 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3053% | 3,329 |
| Cost of funding earning assets | 1.4384% | 3,346 |
| Net interest margin | 3.8669% | 3,672 |
| Noninterest income to average assets | 0.4913% | 4,260 |
| Noninterest expense to average assets | 2.7361% | 4,737 |
| Loan and lease loss provision to assets | 0.3605% | 3,733 |
| Net operating income to assets | 0.7479% | 3,220 |
| Return on assets (ROA) | 0.7642% | 3,314 |
| Pretax return on assets | 0.9791% | 3,258 |
| Return on Equity (ROE) | 7.5511% | 3,084 |
| Retained earnings to average equity (ytd only) | 7.5511% | 1,575 |
| Net charge-offs to loans | 0.3354% | 3,976 |
| Credit loss provision to net charge-offs | 145.3488% | 2,702 |
| Earnings coverage of net charge-offs (x) | 5.3169% | 2,779 |
| Efficiency ratio | 66.1984% | 4,818 |
| Assets per employee ($millions) | 4.1525% | 3,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1944% | 1,820 |
| Loan loss allowance to noncurrent loans | 66.9065% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 2.7445% | 2,639 |
| Noncurrent loans to loans | 3.2799% | 2,417 |
| Net loans and leases to total assets | 73.7301% | 1,853 |
| Net loans and leases to deposits | 89.2277% | 1,832 |
| Net loans and leases to core deposits | 91.8141% | 2,835 |
| Total domestic deposits to total assets | 82.6314% | 4,740 |
| Equity capital to assets | 10.6708% | 3,323 |
| Core capital (leverage) ratio | 10.6651% | 2,540 |
| Tier 1 risk-based capital ratio | 14.0651% | 3,786 |
| Total risk-based capital ratio | 15.3264% | 3,753 |
| Memoranda: | ||
| Average total assets | $369,857,500 | 1,795 |
| Average earning assets | $340,830,500 | 1,782 |
| Average equity | $37,432,750 | 1,782 |
| Average total loans | $273,508,250 | 1,654 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2622% | 3,639 |
| Cost of funding earning assets | 1.4572% | 3,516 |
| Net interest margin | 3.8051% | 3,873 |
| Noninterest income to average assets | 0.4864% | 4,221 |
| Noninterest expense to average assets | 2.7603% | 4,662 |
| Loan and lease loss provision to assets | 0.3770% | 3,452 |
| Net operating income to assets | 0.6892% | 3,449 |
| Return on assets (ROA) | 0.7185% | 3,471 |
| Pretax return on assets | 0.8989% | 3,495 |
| Return on Equity (ROE) | 7.2279% | 3,204 |
| Retained earnings to average equity (ytd only) | 7.2279% | 1,740 |
| Net charge-offs to loans | 0.3167% | 3,739 |
| Credit loss provision to net charge-offs | 162.0370% | 2,434 |
| Earnings coverage of net charge-offs (x) | 5.3264% | 2,696 |
| Efficiency ratio | 67.7215% | 4,627 |
| Assets per employee ($millions) | 4.3820% | 3,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1689% | 1,828 |
| Loan loss allowance to noncurrent loans | 72.4496% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 2.3550% | 3,071 |
| Noncurrent loans to loans | 2.9937% | 2,682 |
| Net loans and leases to total assets | 71.8260% | 2,451 |
| Net loans and leases to deposits | 86.8878% | 2,358 |
| Net loans and leases to core deposits | 89.4697% | 3,350 |
| Total domestic deposits to total assets | 82.6652% | 4,706 |
| Equity capital to assets | 10.0418% | 3,966 |
| Core capital (leverage) ratio | 10.3520% | 2,775 |
| Tier 1 risk-based capital ratio | 13.6554% | 3,973 |
| Total risk-based capital ratio | 14.9163% | 3,924 |
| Memoranda: | ||
| Average total assets | $371,337,330 | 1,806 |
| Average earning assets | $342,857,330 | 1,784 |
| Average equity | $36,912,670 | 1,803 |
| Average total loans | $272,855,000 | 1,678 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2771% | 3,655 |
| Cost of funding earning assets | 1.5098% | 3,492 |
| Net interest margin | 3.7673% | 3,926 |
| Noninterest income to average assets | 0.5698% | 3,489 |
| Noninterest expense to average assets | 2.8260% | 4,388 |
| Loan and lease loss provision to assets | 0.4341% | 2,789 |
| Net operating income to assets | 0.6323% | 3,746 |
| Return on assets (ROA) | 0.6848% | 3,620 |
| Pretax return on assets | 0.8400% | 3,706 |
| Return on Equity (ROE) | 6.9250% | 3,382 |
| Retained earnings to average equity (ytd only) | 6.9250% | 2,167 |
| Net charge-offs to loans | 0.0738% | 4,675 |
| Credit loss provision to net charge-offs | 800.0000% | 566 |
| Earnings coverage of net charge-offs (x) | 22.3000% | 1,095 |
| Efficiency ratio | 68.7282% | 4,567 |
| Assets per employee ($millions) | 4.2050% | 3,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2316% | 1,692 |
| Loan loss allowance to noncurrent loans | 53.9704% | 4,719 |
| Noncurrent assets plus other real estate owned to assets | 3.1957% | 2,249 |
| Noncurrent loans to loans | 4.1349% | 1,870 |
| Net loans and leases to total assets | 72.8472% | 2,245 |
| Net loans and leases to deposits | 88.4394% | 2,148 |
| Net loans and leases to core deposits | 91.2521% | 3,208 |
| Total domestic deposits to total assets | 82.3696% | 4,904 |
| Equity capital to assets | 10.1147% | 3,731 |
| Core capital (leverage) ratio | 10.2733% | 2,840 |
| Tier 1 risk-based capital ratio | 13.4276% | 4,033 |
| Total risk-based capital ratio | 14.6889% | 3,989 |
| Memoranda: | ||
| Average total assets | $368,579,000 | 1,860 |
| Average earning assets | $339,127,500 | 1,842 |
| Average equity | $36,447,500 | 1,847 |
| Average total loans | $270,942,500 | 1,736 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7677% | 2,789 |
| Cost of funding earning assets | 1.8503% | 3,731 |
| Net interest margin | 3.9174% | 3,203 |
| Noninterest income to average assets | 0.4963% | 4,448 |
| Noninterest expense to average assets | 2.7681% | 5,095 |
| Loan and lease loss provision to assets | 1.5015% | 1,534 |
| Net operating income to assets | 0.1082% | 5,192 |
| Return on assets (ROA) | 0.0602% | 5,365 |
| Pretax return on assets | -0.2330% | 5,738 |
| Return on Equity (ROE) | 0.6214% | 5,352 |
| Retained earnings to average equity (ytd only) | 0.6214% | 4,561 |
| Net charge-offs to loans | 2.0829% | 1,177 |
| Credit loss provision to net charge-offs | 97.4245% | 5,708 |
| Earnings coverage of net charge-offs (x) | 0.8718% | 5,235 |
| Efficiency ratio | 66.0453% | 5,384 |
| Assets per employee ($millions) | 3.9503% | 3,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1288% | 1,777 |
| Loan loss allowance to noncurrent loans | 44.9541% | 5,407 |
| Noncurrent assets plus other real estate owned to assets | 3.6230% | 1,841 |
| Noncurrent loans to loans | 4.7356% | 1,469 |
| Net loans and leases to total assets | 70.9809% | 3,012 |
| Net loans and leases to deposits | 85.5663% | 2,988 |
| Net loans and leases to core deposits | 98.3599% | 4,192 |
| Total domestic deposits to total assets | 82.9543% | 4,537 |
| Equity capital to assets | 9.6659% | 4,193 |
| Core capital (leverage) ratio | 10.2821% | 2,797 |
| Tier 1 risk-based capital ratio | 13.3282% | 3,929 |
| Total risk-based capital ratio | 14.5880% | 3,868 |
| Memoranda: | ||
| Average total assets | $365,309,000 | 1,859 |
| Average earning assets | $337,133,800 | 1,847 |
| Average equity | $35,401,600 | 1,905 |
| Average total loans | $270,297,600 | 1,777 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8778% | 2,545 |
| Cost of funding earning assets | 1.9179% | 3,782 |
| Net interest margin | 3.9599% | 2,995 |
| Noninterest income to average assets | 0.4852% | 4,621 |
| Noninterest expense to average assets | 2.8124% | 4,839 |
| Loan and lease loss provision to assets | 1.3688% | 1,406 |
| Net operating income to assets | 0.1878% | 5,199 |
| Return on assets (ROA) | 0.1235% | 5,460 |
| Pretax return on assets | -0.1341% | 5,889 |
| Return on Equity (ROE) | 1.2736% | 5,411 |
| Retained earnings to average equity (ytd only) | 1.2736% | 4,609 |
| Net charge-offs to loans | 1.4952% | 1,371 |
| Credit loss provision to net charge-offs | 123.1048% | 4,103 |
| Earnings coverage of net charge-offs (x) | 1.2007% | 4,865 |
| Efficiency ratio | 66.5371% | 5,281 |
| Assets per employee ($millions) | 3.8265% | 4,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4354% | 1,131 |
| Loan loss allowance to noncurrent loans | 44.8161% | 5,329 |
| Noncurrent assets plus other real estate owned to assets | 4.2272% | 1,481 |
| Noncurrent loans to loans | 5.4343% | 1,153 |
| Net loans and leases to total assets | 74.0612% | 2,501 |
| Net loans and leases to deposits | 90.2549% | 2,529 |
| Net loans and leases to core deposits | 104.9677% | 3,827 |
| Total domestic deposits to total assets | 82.0578% | 4,655 |
| Equity capital to assets | 10.0030% | 4,083 |
| Core capital (leverage) ratio | 10.2901% | 2,984 |
| Tier 1 risk-based capital ratio | 13.4766% | 3,865 |
| Total risk-based capital ratio | 14.7405% | 3,791 |
| Memoranda: | ||
| Average total assets | $363,805,000 | 1,881 |
| Average earning assets | $336,467,250 | 1,863 |
| Average equity | $35,279,000 | 1,925 |
| Average total loans | $270,546,250 | 1,794 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9674% | 2,313 |
| Cost of funding earning assets | 1.9483% | 4,014 |
| Net interest margin | 4.0191% | 2,622 |
| Noninterest income to average assets | 0.4590% | 4,788 |
| Noninterest expense to average assets | 2.8473% | 4,754 |
| Loan and lease loss provision to assets | 1.3835% | 1,252 |
| Net operating income to assets | 0.1525% | 5,413 |
| Return on assets (ROA) | 0.0568% | 5,778 |
| Pretax return on assets | -0.2118% | 6,138 |
| Return on Equity (ROE) | 0.5914% | 5,760 |
| Retained earnings to average equity (ytd only) | 0.5914% | 4,953 |
| Net charge-offs to loans | 1.6876% | 1,125 |
| Credit loss provision to net charge-offs | 110.9895% | 4,169 |
| Earnings coverage of net charge-offs (x) | 1.0600% | 4,724 |
| Efficiency ratio | 67.0463% | 5,352 |
| Assets per employee ($millions) | 3.9052% | 3,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2745% | 1,135 |
| Loan loss allowance to noncurrent loans | 44.5066% | 5,398 |
| Noncurrent assets plus other real estate owned to assets | 3.9921% | 1,490 |
| Noncurrent loans to loans | 5.1104% | 1,184 |
| Net loans and leases to total assets | 73.2967% | 2,883 |
| Net loans and leases to deposits | 89.6248% | 2,883 |
| Net loans and leases to core deposits | 103.7503% | 4,090 |
| Total domestic deposits to total assets | 81.7817% | 4,777 |
| Equity capital to assets | 9.7564% | 4,277 |
| Core capital (leverage) ratio | 10.1989% | 3,094 |
| Tier 1 risk-based capital ratio | 13.0196% | 4,137 |
| Total risk-based capital ratio | 14.2806% | 4,046 |
| Memoranda: | ||
| Average total assets | $366,452,000 | 1,892 |
| Average earning assets | $338,237,330 | 1,876 |
| Average equity | $35,173,000 | 1,930 |
| Average total loans | $270,683,000 | 1,816 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0098% | 2,320 |
| Cost of funding earning assets | 1.9994% | 4,134 |
| Net interest margin | 4.0104% | 2,602 |
| Noninterest income to average assets | 0.4216% | 5,032 |
| Noninterest expense to average assets | 2.9057% | 4,142 |
| Loan and lease loss provision to assets | 1.0810% | 1,211 |
| Net operating income to assets | 0.3052% | 5,277 |
| Return on assets (ROA) | 0.0886% | 6,179 |
| Pretax return on assets | -0.1957% | 6,570 |
| Return on Equity (ROE) | 0.9309% | 6,144 |
| Retained earnings to average equity (ytd only) | 0.9309% | 5,277 |
| Net charge-offs to loans | 1.5909% | 911 |
| Credit loss provision to net charge-offs | 92.6784% | 3,951 |
| Earnings coverage of net charge-offs (x) | 1.0491% | 4,240 |
| Efficiency ratio | 69.1099% | 4,757 |
| Assets per employee ($millions) | 3.8944% | 3,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1481% | 1,147 |
| Loan loss allowance to noncurrent loans | 39.1771% | 5,931 |
| Noncurrent assets plus other real estate owned to assets | 4.3230% | 1,138 |
| Noncurrent loans to loans | 5.4831% | 937 |
| Net loans and leases to total assets | 72.9364% | 3,020 |
| Net loans and leases to deposits | 90.1404% | 2,907 |
| Net loans and leases to core deposits | 104.4743% | 4,086 |
| Total domestic deposits to total assets | 80.9143% | 5,006 |
| Equity capital to assets | 9.5467% | 4,611 |
| Core capital (leverage) ratio | 10.0232% | 3,383 |
| Tier 1 risk-based capital ratio | 13.0647% | 4,149 |
| Total risk-based capital ratio | 14.3247% | 4,050 |
| Memoranda: | ||
| Average total assets | $370,037,500 | 1,884 |
| Average earning assets | $342,109,500 | 1,863 |
| Average equity | $35,233,000 | 1,938 |
| Average total loans | $271,289,500 | 1,826 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5284% | 2,819 |
| Cost of funding earning assets | 2.6391% | 3,489 |
| Net interest margin | 3.8892% | 3,616 |
| Noninterest income to average assets | 0.3133% | 6,210 |
| Noninterest expense to average assets | 2.7648% | 4,989 |
| Loan and lease loss provision to assets | 0.3397% | 3,674 |
| Net operating income to assets | 0.8316% | 3,301 |
| Return on assets (ROA) | 0.8400% | 3,101 |
| Pretax return on assets | 0.8147% | 4,011 |
| Return on Equity (ROE) | 8.3951% | 2,892 |
| Retained earnings to average equity (ytd only) | 2.9767% | 3,320 |
| Net charge-offs to loans | 0.1914% | 4,273 |
| Credit loss provision to net charge-offs | 242.7184% | 1,921 |
| Earnings coverage of net charge-offs (x) | 8.1883% | 2,925 |
| Efficiency ratio | 69.3628% | 4,465 |
| Assets per employee ($millions) | 3.8959% | 3,745 |
| Cash dividends to net income (ytd only)* | 64.5422% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1561% | 996 |
| Loan loss allowance to noncurrent loans | 37.8762% | 6,188 |
| Noncurrent assets plus other real estate owned to assets | 4.3337% | 895 |
| Noncurrent loans to loans | 5.6925% | 673 |
| Net loans and leases to total assets | 70.5860% | 3,887 |
| Net loans and leases to deposits | 86.7113% | 4,004 |
| Net loans and leases to core deposits | 99.5458% | 4,866 |
| Total domestic deposits to total assets | 81.4034% | 4,462 |
| Equity capital to assets | 9.4973% | 4,700 |
| Core capital (leverage) ratio | 10.0463% | 3,402 |
| Tier 1 risk-based capital ratio | 13.0931% | 4,060 |
| Total risk-based capital ratio | 14.3535% | 3,964 |
| Memoranda: | ||
| Average total assets | $367,978,600 | 1,829 |
| Average earning assets | $340,375,600 | 1,809 |
| Average equity | $36,819,000 | 1,840 |
| Average total loans | $269,002,600 | 1,779 |