Home > Elkhorn Valley Bank & Trust > Performance and Condition Ratios
Elkhorn Valley Bank & Trust, Performance and Condition Ratios
| 2025-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 300 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8340% | 1,533 |
| Cost of funding earning assets | 2.7623% | 516 |
| Net interest margin | 3.0717% | 3,390 |
| Noninterest income to average assets | 0.3400% | 2,687 |
| Noninterest expense to average assets | 1.7005% | 4,007 |
| Loan and lease loss provision to assets | 0.1300% | 1,180 |
| Net operating income to assets | 1.1383% | 2,021 |
| Return on assets (ROA) | 1.0901% | 2,151 |
| Pretax return on assets | 1.3183% | 2,081 |
| Return on Equity (ROE) | 11.3700% | 2,034 |
| Retained earnings to average equity (ytd only) | 11.0698% | 834 |
| Net charge-offs to loans | 0.1179% | 901 |
| Credit loss provision to net charge-offs | 149.0630% | 1,297 |
| Earnings coverage of net charge-offs (x) | 17.5503% | 1,835 |
| Efficiency ratio | 52.9956% | 3,563 |
| Assets per employee ($millions) | 12.2588% | 426 |
| Cash dividends to net income (ytd only)* | 2.6788% | 2,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2931% | 1,667 |
| Loan loss allowance to noncurrent loans | 205.3085% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 0.4569% | 1,684 |
| Noncurrent loans to loans | 0.6298% | 1,674 |
| Net loans and leases to total assets | 71.6000% | 1,726 |
| Net loans and leases to deposits | 89.6150% | 1,226 |
| Net loans and leases to core deposits | 110.1737% | 941 |
| Total domestic deposits to total assets | 79.9000% | 3,526 |
| Equity capital to assets | 9.8374% | 2,407 |
| Core capital (leverage) ratio | 10.1004% | 2,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8201% | 1,900 |
| Memoranda: | ||
| Average total assets | $1,369,807,667 | 792 |
| Average earning assets | $1,277,614,000 | 789 |
| Average equity | $131,276,333 | 843 |
| Average total loans | $995,715,667 | 773 |
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8483% | 1,405 |
| Cost of funding earning assets | 2.7991% | 488 |
| Net interest margin | 3.0492% | 3,304 |
| Noninterest income to average assets | 0.3300% | 2,671 |
| Noninterest expense to average assets | 1.6863% | 4,051 |
| Loan and lease loss provision to assets | 0.1300% | 1,005 |
| Net operating income to assets | 1.1315% | 1,918 |
| Return on assets (ROA) | 1.0338% | 2,183 |
| Pretax return on assets | 1.2326% | 2,159 |
| Return on Equity (ROE) | 10.9300% | 2,039 |
| Retained earnings to average equity (ytd only) | 10.3137% | 1,121 |
| Net charge-offs to loans | 0.2093% | 525 |
| Credit loss provision to net charge-offs | 84.0691% | 1,382 |
| Earnings coverage of net charge-offs (x) | 9.6967% | 1,727 |
| Efficiency ratio | 53.2440% | 3,657 |
| Assets per employee ($millions) | 12.3996% | 400 |
| Cash dividends to net income (ytd only)* | 5.6561% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2574% | 1,894 |
| Loan loss allowance to noncurrent loans | 217.1354% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.4330% | 1,636 |
| Noncurrent loans to loans | 0.5791% | 1,696 |
| Net loans and leases to total assets | 71.3600% | 1,680 |
| Net loans and leases to deposits | 86.9456% | 1,406 |
| Net loans and leases to core deposits | 108.5030% | 911 |
| Total domestic deposits to total assets | 82.0700% | 3,298 |
| Equity capital to assets | 9.6105% | 2,492 |
| Core capital (leverage) ratio | 9.8438% | 2,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5178% | 2,032 |
| Memoranda: | ||
| Average total assets | $1,368,217,500 | 800 |
| Average earning assets | $1,272,706,500 | 792 |
| Average equity | $129,381,000 | 849 |
| Average total loans | $995,597,000 | 777 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6411% | 1,857 |
| Cost of funding earning assets | 3.0622% | 439 |
| Net interest margin | 2.5789% | 3,805 |
| Noninterest income to average assets | 0.3500% | 2,750 |
| Noninterest expense to average assets | 1.6063% | 4,176 |
| Loan and lease loss provision to assets | 0.2100% | 634 |
| Net operating income to assets | 0.7697% | 2,782 |
| Return on assets (ROA) | 0.7702% | 2,796 |
| Pretax return on assets | 0.9377% | 2,702 |
| Return on Equity (ROE) | 8.2100% | 2,693 |
| Retained earnings to average equity (ytd only) | 5.9645% | 1,841 |
| Net charge-offs to loans | 0.0938% | 1,230 |
| Credit loss provision to net charge-offs | 314.2045% | 842 |
| Earnings coverage of net charge-offs (x) | 17.0295% | 1,953 |
| Efficiency ratio | 58.2139% | 3,334 |
| Assets per employee ($millions) | 11.9305% | 439 |
| Cash dividends to net income (ytd only)* | 27.3795% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2635% | 1,846 |
| Loan loss allowance to noncurrent loans | 865.9560% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.1253% | 2,837 |
| Noncurrent loans to loans | 0.1459% | 2,941 |
| Net loans and leases to total assets | 72.3400% | 1,629 |
| Net loans and leases to deposits | 90.0745% | 1,205 |
| Net loans and leases to core deposits | 114.1816% | 781 |
| Total domestic deposits to total assets | 80.3200% | 3,519 |
| Equity capital to assets | 9.3000% | 2,596 |
| Core capital (leverage) ratio | 9.6435% | 3,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1863% | 2,157 |
| Memoranda: | ||
| Average total assets | $1,304,090,200 | 819 |
| Average earning assets | $1,214,124,400 | 808 |
| Average equity | $122,289,400 | 872 |
| Average total loans | $937,745,800 | 800 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5801% | 1,937 |
| Cost of funding earning assets | 3.0647% | 454 |
| Net interest margin | 2.5154% | 3,871 |
| Noninterest income to average assets | 0.3800% | 2,542 |
| Noninterest expense to average assets | 1.6115% | 4,170 |
| Loan and lease loss provision to assets | 0.2100% | 556 |
| Net operating income to assets | 0.7414% | 2,860 |
| Return on assets (ROA) | 0.7321% | 2,910 |
| Pretax return on assets | 0.8871% | 2,840 |
| Return on Equity (ROE) | 7.7900% | 2,817 |
| Retained earnings to average equity (ytd only) | 4.7662% | 2,555 |
| Net charge-offs to loans | 0.1108% | 916 |
| Credit loss provision to net charge-offs | 262.7119% | 920 |
| Earnings coverage of net charge-offs (x) | 13.9596% | 1,971 |
| Efficiency ratio | 59.2053% | 3,238 |
| Assets per employee ($millions) | 11.9559% | 433 |
| Cash dividends to net income (ytd only)* | 38.8199% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2238% | 2,093 |
| Loan loss allowance to noncurrent loans | 752.7708% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.1360% | 2,801 |
| Noncurrent loans to loans | 0.1626% | 2,900 |
| Net loans and leases to total assets | 71.4200% | 1,681 |
| Net loans and leases to deposits | 91.7784% | 1,070 |
| Net loans and leases to core deposits | 110.8542% | 902 |
| Total domestic deposits to total assets | 77.8100% | 3,750 |
| Equity capital to assets | 9.4622% | 2,697 |
| Core capital (leverage) ratio | 9.6602% | 3,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0323% | 2,230 |
| Memoranda: | ||
| Average total assets | $1,290,093,250 | 819 |
| Average earning assets | $1,200,992,250 | 807 |
| Average equity | $121,240,000 | 873 |
| Average total loans | $923,048,250 | 806 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4906% | 1,993 |
| Cost of funding earning assets | 3.0077% | 470 |
| Net interest margin | 2.4829% | 3,904 |
| Noninterest income to average assets | 0.3900% | 2,441 |
| Noninterest expense to average assets | 1.6592% | 4,132 |
| Loan and lease loss provision to assets | 0.1100% | 1,067 |
| Net operating income to assets | 0.7696% | 2,725 |
| Return on assets (ROA) | 0.7521% | 2,796 |
| Pretax return on assets | 0.9110% | 2,741 |
| Return on Equity (ROE) | 8.0200% | 2,725 |
| Retained earnings to average equity (ytd only) | 3.8222% | 2,779 |
| Net charge-offs to loans | -0.0110% | 4,003 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 61.2924% | 3,076 |
| Assets per employee ($millions) | 11.6357% | 462 |
| Cash dividends to net income (ytd only)* | 52.3560% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2246% | 2,116 |
| Loan loss allowance to noncurrent loans | 593.1195% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.1483% | 2,665 |
| Noncurrent loans to loans | 0.2065% | 2,660 |
| Net loans and leases to total assets | 70.9600% | 1,781 |
| Net loans and leases to deposits | 89.3884% | 1,353 |
| Net loans and leases to core deposits | 106.4560% | 1,129 |
| Total domestic deposits to total assets | 79.3900% | 3,541 |
| Equity capital to assets | 9.2499% | 2,574 |
| Core capital (leverage) ratio | 9.8114% | 2,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2232% | 2,161 |
| Memoranda: | ||
| Average total assets | $1,269,786,667 | 831 |
| Average earning assets | $1,181,903,333 | 821 |
| Average equity | $119,041,333 | 878 |
| Average total loans | $905,128,333 | 818 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4229% | 1,963 |
| Cost of funding earning assets | 2.9656% | 451 |
| Net interest margin | 2.4573% | 3,932 |
| Noninterest income to average assets | 0.3900% | 2,363 |
| Noninterest expense to average assets | 1.6759% | 4,129 |
| Loan and lease loss provision to assets | 0.1100% | 944 |
| Net operating income to assets | 0.7410% | 2,710 |
| Return on assets (ROA) | 0.7071% | 2,841 |
| Pretax return on assets | 0.8517% | 2,800 |
| Return on Equity (ROE) | 7.4900% | 2,825 |
| Retained earnings to average equity (ytd only) | 7.4901% | 1,682 |
| Net charge-offs to loans | -0.0121% | 3,978 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 62.5955% | 2,967 |
| Assets per employee ($millions) | 11.4657% | 491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2264% | 2,138 |
| Loan loss allowance to noncurrent loans | 875.9303% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.1001% | 2,959 |
| Noncurrent loans to loans | 0.1400% | 2,908 |
| Net loans and leases to total assets | 70.6500% | 1,729 |
| Net loans and leases to deposits | 85.5630% | 1,579 |
| Net loans and leases to core deposits | 100.7526% | 1,375 |
| Total domestic deposits to total assets | 82.5700% | 3,078 |
| Equity capital to assets | 9.4558% | 2,351 |
| Core capital (leverage) ratio | 10.0269% | 2,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6746% | 2,000 |
| Memoranda: | ||
| Average total assets | $1,253,080,500 | 845 |
| Average earning assets | $1,163,216,000 | 841 |
| Average equity | $118,290,000 | 885 |
| Average total loans | $889,571,000 | 829 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8026% | 2,467 |
| Cost of funding earning assets | 2.3388% | 508 |
| Net interest margin | 2.4638% | 4,128 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 1.9189% | 3,799 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 0.6254% | 3,373 |
| Return on assets (ROA) | 0.6254% | 3,354 |
| Pretax return on assets | 0.7636% | 3,304 |
| Return on Equity (ROE) | 6.2300% | 3,478 |
| Retained earnings to average equity (ytd only) | 4.6341% | 2,740 |
| Net charge-offs to loans | 0.1074% | 863 |
| Credit loss provision to net charge-offs | 158.7760% | 1,417 |
| Earnings coverage of net charge-offs (x) | 11.3741% | 2,194 |
| Efficiency ratio | 68.2847% | 2,075 |
| Assets per employee ($millions) | 11.3176% | 492 |
| Cash dividends to net income (ytd only)* | 25.5727% | 2,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2207% | 2,175 |
| Loan loss allowance to noncurrent loans | 2,411.2613% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.0357% | 3,397 |
| Noncurrent loans to loans | 0.0506% | 3,362 |
| Net loans and leases to total assets | 69.5900% | 1,856 |
| Net loans and leases to deposits | 85.2338% | 1,675 |
| Net loans and leases to core deposits | 98.9383% | 1,492 |
| Total domestic deposits to total assets | 81.6500% | 3,191 |
| Equity capital to assets | 9.4238% | 2,404 |
| Core capital (leverage) ratio | 10.4139% | 2,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5201% | 2,058 |
| Memoranda: | ||
| Average total assets | $1,109,936,000 | 905 |
| Average earning assets | $1,027,973,200 | 892 |
| Average equity | $111,477,200 | 878 |
| Average total loans | $806,670,600 | 861 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6766% | 2,520 |
| Cost of funding earning assets | 2.1846% | 512 |
| Net interest margin | 2.4920% | 4,152 |
| Noninterest income to average assets | 0.5800% | 1,600 |
| Noninterest expense to average assets | 1.9901% | 3,616 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 0.6295% | 3,473 |
| Return on assets (ROA) | 0.6295% | 3,468 |
| Pretax return on assets | 0.7842% | 3,369 |
| Return on Equity (ROE) | 6.1600% | 3,613 |
| Retained earnings to average equity (ytd only) | 4.7061% | 3,041 |
| Net charge-offs to loans | 0.0086% | 2,092 |
| Credit loss provision to net charge-offs | 1,764.7059% | 270 |
| Earnings coverage of net charge-offs (x) | 141.7451% | 761 |
| Efficiency ratio | 68.8678% | 1,920 |
| Assets per employee ($millions) | 10.2942% | 608 |
| Cash dividends to net income (ytd only)* | 23.6174% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2955% | 1,883 |
| Loan loss allowance to noncurrent loans | 409.5662% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.2360% | 2,068 |
| Noncurrent loans to loans | 0.3163% | 2,098 |
| Net loans and leases to total assets | 73.6500% | 1,380 |
| Net loans and leases to deposits | 86.5505% | 1,506 |
| Net loans and leases to core deposits | 99.3045% | 1,357 |
| Total domestic deposits to total assets | 85.1000% | 2,470 |
| Equity capital to assets | 9.7450% | 1,965 |
| Core capital (leverage) ratio | 10.9265% | 2,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9440% | 1,917 |
| Memoranda: | ||
| Average total assets | $1,076,123,500 | 924 |
| Average earning assets | $997,734,500 | 908 |
| Average equity | $109,954,250 | 884 |
| Average total loans | $789,073,000 | 871 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5343% | 2,563 |
| Cost of funding earning assets | 1.9903% | 505 |
| Net interest margin | 2.5440% | 4,164 |
| Noninterest income to average assets | 0.6800% | 1,182 |
| Noninterest expense to average assets | 2.1197% | 3,294 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 0.6657% | 3,420 |
| Return on assets (ROA) | 0.6657% | 3,423 |
| Pretax return on assets | 0.8308% | 3,325 |
| Return on Equity (ROE) | 6.4100% | 3,594 |
| Retained earnings to average equity (ytd only) | 4.5813% | 3,061 |
| Net charge-offs to loans | 0.0130% | 1,703 |
| Credit loss provision to net charge-offs | 900.0000% | 440 |
| Earnings coverage of net charge-offs (x) | 96.5600% | 960 |
| Efficiency ratio | 69.7275% | 1,789 |
| Assets per employee ($millions) | 9.4755% | 786 |
| Cash dividends to net income (ytd only)* | 28.5063% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3133% | 1,876 |
| Loan loss allowance to noncurrent loans | 848.4388% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.1146% | 2,729 |
| Noncurrent loans to loans | 0.1548% | 2,696 |
| Net loans and leases to total assets | 73.0700% | 1,399 |
| Net loans and leases to deposits | 85.6676% | 1,527 |
| Net loans and leases to core deposits | 94.2642% | 1,551 |
| Total domestic deposits to total assets | 85.3000% | 2,460 |
| Equity capital to assets | 10.1159% | 1,791 |
| Core capital (leverage) ratio | 11.2562% | 1,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4849% | 1,730 |
| Memoranda: | ||
| Average total assets | $1,053,946,667 | 924 |
| Average earning assets | $977,129,333 | 917 |
| Average equity | $109,488,333 | 879 |
| Average total loans | $767,879,667 | 875 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3268% | 2,734 |
| Cost of funding earning assets | 1.8050% | 448 |
| Net interest margin | 2.5218% | 4,286 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 1.9462% | 3,757 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6602% | 3,554 |
| Return on assets (ROA) | 0.6602% | 3,507 |
| Pretax return on assets | 0.8289% | 3,400 |
| Return on Equity (ROE) | 6.2700% | 3,658 |
| Retained earnings to average equity (ytd only) | 6.2685% | 2,690 |
| Net charge-offs to loans | 0.0358% | 1,015 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 32.0448% | 1,274 |
| Efficiency ratio | 70.0334% | 1,748 |
| Assets per employee ($millions) | 8.7706% | 1,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3293% | 1,899 |
| Loan loss allowance to noncurrent loans | 1,025.3036% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.0939% | 2,876 |
| Noncurrent loans to loans | 0.1296% | 2,863 |
| Net loans and leases to total assets | 71.4400% | 1,484 |
| Net loans and leases to deposits | 80.3246% | 1,794 |
| Net loans and leases to core deposits | 85.7882% | 1,877 |
| Total domestic deposits to total assets | 88.9500% | 1,560 |
| Equity capital to assets | 10.4576% | 1,582 |
| Core capital (leverage) ratio | 11.5304% | 1,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9215% | 1,651 |
| Memoranda: | ||
| Average total assets | $1,036,076,000 | 956 |
| Average earning assets | $959,775,000 | 945 |
| Average equity | $109,116,500 | 887 |
| Average total loans | $748,381,500 | 911 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4922% | 3,094 |
| Cost of funding earning assets | 0.6208% | 828 |
| Net interest margin | 2.8715% | 3,751 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 1.8713% | 3,892 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 0.9522% | 2,763 |
| Return on assets (ROA) | 0.9453% | 2,732 |
| Pretax return on assets | 1.1857% | 2,484 |
| Return on Equity (ROE) | 8.4900% | 3,259 |
| Retained earnings to average equity (ytd only) | 3.6913% | 3,499 |
| Net charge-offs to loans | 0.0634% | 1,014 |
| Credit loss provision to net charge-offs | 290.0000% | 925 |
| Earnings coverage of net charge-offs (x) | 31.1024% | 1,662 |
| Efficiency ratio | 58.5542% | 3,258 |
| Assets per employee ($millions) | 8.4974% | 1,093 |
| Cash dividends to net income (ytd only)* | 56.5333% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2314% | 2,244 |
| Loan loss allowance to noncurrent loans | 605.5556% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.1465% | 2,513 |
| Noncurrent loans to loans | 0.2033% | 2,476 |
| Net loans and leases to total assets | 71.1600% | 1,506 |
| Net loans and leases to deposits | 81.3592% | 1,668 |
| Net loans and leases to core deposits | 84.7185% | 1,829 |
| Total domestic deposits to total assets | 87.4700% | 2,242 |
| Equity capital to assets | 10.6082% | 1,405 |
| Core capital (leverage) ratio | 11.8062% | 1,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3014% | 1,533 |
| Memoranda: | ||
| Average total assets | $991,762,600 | 986 |
| Average earning assets | $923,704,400 | 975 |
| Average equity | $110,395,200 | 880 |
| Average total loans | $662,510,600 | 952 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3170% | 3,132 |
| Cost of funding earning assets | 0.3816% | 1,427 |
| Net interest margin | 2.9353% | 3,400 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 1.8482% | 3,879 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.0424% | 2,313 |
| Return on assets (ROA) | 1.0429% | 2,273 |
| Pretax return on assets | 1.3077% | 2,025 |
| Return on Equity (ROE) | 9.2600% | 2,950 |
| Retained earnings to average equity (ytd only) | 6.2524% | 2,652 |
| Net charge-offs to loans | -0.0093% | 3,680 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 56.7735% | 3,542 |
| Assets per employee ($millions) | 8.1008% | 1,275 |
| Cash dividends to net income (ytd only)* | 32.4549% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2979% | 2,036 |
| Loan loss allowance to noncurrent loans | 813.4180% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.1107% | 2,856 |
| Noncurrent loans to loans | 0.1596% | 2,809 |
| Net loans and leases to total assets | 68.4800% | 1,621 |
| Net loans and leases to deposits | 78.8267% | 1,652 |
| Net loans and leases to core deposits | 80.4977% | 1,867 |
| Total domestic deposits to total assets | 86.8700% | 2,805 |
| Equity capital to assets | 10.8831% | 1,220 |
| Core capital (leverage) ratio | 12.1779% | 1,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4885% | 1,283 |
| Memoranda: | ||
| Average total assets | $984,782,250 | 1,002 |
| Average earning assets | $919,845,500 | 985 |
| Average equity | $110,951,500 | 895 |
| Average total loans | $644,463,500 | 973 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1472% | 3,193 |
| Cost of funding earning assets | 0.2553% | 2,190 |
| Net interest margin | 2.8919% | 3,194 |
| Noninterest income to average assets | 0.4942% | 2,233 |
| Noninterest expense to average assets | 1.8795% | 3,756 |
| Loan and lease loss provision to assets | 0.0710% | 1,349 |
| Net operating income to assets | 0.9962% | 2,169 |
| Return on assets (ROA) | 0.9970% | 2,140 |
| Pretax return on assets | 1.2543% | 1,887 |
| Return on Equity (ROE) | 8.7486% | 2,777 |
| Retained earnings to average equity (ytd only) | 8.7486% | 1,360 |
| Net charge-offs to loans | -0.0159% | 3,783 |
| Credit loss provision to net charge-offs | -696.0000% | 3,454 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4866% | 3,489 |
| Assets per employee ($millions) | 8.3634% | 1,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3413% | 2,003 |
| Loan loss allowance to noncurrent loans | 899.7919% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.0982% | 3,019 |
| Noncurrent loans to loans | 0.1491% | 2,950 |
| Net loans and leases to total assets | 64.9968% | 1,809 |
| Net loans and leases to deposits | 73.5003% | 1,917 |
| Net loans and leases to core deposits | 74.9541% | 2,098 |
| Total domestic deposits to total assets | 88.4307% | 2,413 |
| Equity capital to assets | 11.2251% | 1,122 |
| Core capital (leverage) ratio | 12.0824% | 1,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4830% | 1,081 |
| Memoranda: | ||
| Average total assets | $980,909,333 | 993 |
| Average earning assets | $919,034,333 | 988 |
| Average equity | $111,789,000 | 891 |
| Average total loans | $628,864,333 | 986 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0350% | 3,149 |
| Cost of funding earning assets | 0.2265% | 2,449 |
| Net interest margin | 2.8085% | 3,113 |
| Noninterest income to average assets | 0.4224% | 2,541 |
| Noninterest expense to average assets | 1.8967% | 3,690 |
| Loan and lease loss provision to assets | 0.0709% | 1,159 |
| Net operating income to assets | 0.8806% | 2,359 |
| Return on assets (ROA) | 0.8822% | 2,350 |
| Pretax return on assets | 1.1029% | 2,133 |
| Return on Equity (ROE) | 7.6833% | 2,812 |
| Retained earnings to average equity (ytd only) | 7.6833% | 1,679 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5344% | 3,322 |
| Assets per employee ($millions) | 8.6385% | 1,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3634% | 2,056 |
| Loan loss allowance to noncurrent loans | 564.1661% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.1881% | 2,503 |
| Noncurrent loans to loans | 0.2417% | 2,630 |
| Net loans and leases to total assets | 60.8107% | 1,979 |
| Net loans and leases to deposits | 68.6828% | 2,081 |
| Net loans and leases to core deposits | 70.2641% | 2,272 |
| Total domestic deposits to total assets | 88.5384% | 2,280 |
| Equity capital to assets | 11.0797% | 1,296 |
| Core capital (leverage) ratio | 11.7601% | 1,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1904% | 1,019 |
| Memoranda: | ||
| Average total assets | $982,104,500 | 995 |
| Average earning assets | $925,324,000 | 986 |
| Average equity | $112,763,500 | 907 |
| Average total loans | $620,970,000 | 992 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3526% | 3,044 |
| Cost of funding earning assets | 0.4081% | 1,483 |
| Net interest margin | 2.9445% | 3,338 |
| Noninterest income to average assets | 0.5161% | 2,498 |
| Noninterest expense to average assets | 1.8490% | 4,048 |
| Loan and lease loss provision to assets | 0.0123% | 2,836 |
| Net operating income to assets | 1.1570% | 2,075 |
| Return on assets (ROA) | 1.1726% | 2,075 |
| Pretax return on assets | 1.4533% | 1,869 |
| Return on Equity (ROE) | 9.8831% | 2,567 |
| Retained earnings to average equity (ytd only) | 4.3405% | 3,076 |
| Net charge-offs to loans | 0.0162% | 1,976 |
| Credit loss provision to net charge-offs | 125.0000% | 1,618 |
| Earnings coverage of net charge-offs (x) | 146.6354% | 674 |
| Efficiency ratio | 55.5251% | 3,754 |
| Assets per employee ($millions) | 8.4398% | 1,105 |
| Cash dividends to net income (ytd only)* | 56.0813% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3216% | 2,262 |
| Loan loss allowance to noncurrent loans | 984.3675% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.1642% | 2,792 |
| Noncurrent loans to loans | 0.1343% | 3,256 |
| Net loans and leases to total assets | 64.0139% | 1,699 |
| Net loans and leases to deposits | 72.8883% | 1,822 |
| Net loans and leases to core deposits | 74.6361% | 2,026 |
| Total domestic deposits to total assets | 87.8246% | 2,135 |
| Equity capital to assets | 11.9007% | 1,296 |
| Core capital (leverage) ratio | 11.4821% | 1,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6016% | 1,140 |
| Memoranda: | ||
| Average total assets | $973,249,200 | 979 |
| Average earning assets | $918,618,400 | 969 |
| Average equity | $115,470,200 | 904 |
| Average total loans | $590,826,600 | 1,027 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3865% | 3,139 |
| Cost of funding earning assets | 0.4531% | 1,333 |
| Net interest margin | 2.9333% | 3,472 |
| Noninterest income to average assets | 0.4951% | 2,642 |
| Noninterest expense to average assets | 1.7552% | 4,249 |
| Loan and lease loss provision to assets | 0.0082% | 2,819 |
| Net operating income to assets | 1.2173% | 2,109 |
| Return on assets (ROA) | 1.2341% | 2,113 |
| Pretax return on assets | 1.5229% | 1,931 |
| Return on Equity (ROE) | 10.4094% | 2,586 |
| Retained earnings to average equity (ytd only) | 10.4094% | 1,194 |
| Net charge-offs to loans | 0.0192% | 1,667 |
| Credit loss provision to net charge-offs | 71.4286% | 1,749 |
| Earnings coverage of net charge-offs (x) | 131.6190% | 732 |
| Efficiency ratio | 53.1646% | 3,907 |
| Assets per employee ($millions) | 8.3424% | 1,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3296% | 2,335 |
| Loan loss allowance to noncurrent loans | 2,539.0093% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.1064% | 3,397 |
| Noncurrent loans to loans | 0.0524% | 3,850 |
| Net loans and leases to total assets | 60.7958% | 2,162 |
| Net loans and leases to deposits | 69.4026% | 2,297 |
| Net loans and leases to core deposits | 71.1416% | 2,502 |
| Total domestic deposits to total assets | 87.5987% | 2,061 |
| Equity capital to assets | 11.9824% | 1,415 |
| Core capital (leverage) ratio | 11.7023% | 1,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3392% | 1,074 |
| Memoranda: | ||
| Average total assets | $976,027,000 | 989 |
| Average earning assets | $921,843,000 | 980 |
| Average equity | $115,712,500 | 909 |
| Average total loans | $582,495,500 | 1,055 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2448% | 3,578 |
| Cost of funding earning assets | 0.5151% | 1,120 |
| Net interest margin | 2.7298% | 3,921 |
| Noninterest income to average assets | 0.5031% | 2,610 |
| Noninterest expense to average assets | 1.7239% | 4,325 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1058% | 2,526 |
| Return on assets (ROA) | 1.1235% | 2,523 |
| Pretax return on assets | 1.3794% | 2,393 |
| Return on Equity (ROE) | 9.5119% | 2,943 |
| Retained earnings to average equity (ytd only) | 9.5119% | 1,549 |
| Net charge-offs to loans | -0.0130% | 3,792 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3156% | 3,624 |
| Assets per employee ($millions) | 8.3752% | 1,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3774% | 2,067 |
| Loan loss allowance to noncurrent loans | 817.2107% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.1754% | 3,090 |
| Noncurrent loans to loans | 0.1685% | 3,372 |
| Net loans and leases to total assets | 58.8621% | 2,556 |
| Net loans and leases to deposits | 66.8786% | 2,738 |
| Net loans and leases to core deposits | 68.7178% | 2,893 |
| Total domestic deposits to total assets | 88.0132% | 1,812 |
| Equity capital to assets | 11.5967% | 1,573 |
| Core capital (leverage) ratio | 11.4653% | 1,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5091% | 1,034 |
| Memoranda: | ||
| Average total assets | $967,673,000 | 990 |
| Average earning assets | $914,003,000 | 982 |
| Average equity | $114,298,667 | 909 |
| Average total loans | $571,053,667 | 1,081 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1493% | 3,781 |
| Cost of funding earning assets | 0.5775% | 973 |
| Net interest margin | 2.5718% | 4,200 |
| Noninterest income to average assets | 0.5475% | 2,414 |
| Noninterest expense to average assets | 1.6662% | 4,442 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0690% | 2,574 |
| Return on assets (ROA) | 1.0769% | 2,635 |
| Pretax return on assets | 1.3180% | 2,518 |
| Return on Equity (ROE) | 9.0304% | 3,029 |
| Retained earnings to average equity (ytd only) | 9.0304% | 1,948 |
| Net charge-offs to loans | -0.0259% | 4,112 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3493% | 3,627 |
| Assets per employee ($millions) | 8.6108% | 947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4540% | 1,756 |
| Loan loss allowance to noncurrent loans | 294.1952% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.3227% | 2,528 |
| Noncurrent loans to loans | 0.4942% | 2,374 |
| Net loans and leases to total assets | 57.0355% | 2,901 |
| Net loans and leases to deposits | 64.8078% | 3,047 |
| Net loans and leases to core deposits | 66.7270% | 3,179 |
| Total domestic deposits to total assets | 88.0072% | 1,839 |
| Equity capital to assets | 11.6081% | 1,483 |
| Core capital (leverage) ratio | 11.8708% | 1,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2366% | 1,036 |
| Memoranda: | ||
| Average total assets | $948,996,500 | 993 |
| Average earning assets | $895,558,500 | 985 |
| Average equity | $113,173,000 | 908 |
| Average total loans | $556,660,000 | 1,104 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8894% | 3,057 |
| Cost of funding earning assets | 0.8401% | 1,055 |
| Net interest margin | 3.0493% | 3,754 |
| Noninterest income to average assets | 0.6059% | 2,198 |
| Noninterest expense to average assets | 1.7562% | 4,537 |
| Loan and lease loss provision to assets | 0.3323% | 1,075 |
| Net operating income to assets | 1.1780% | 1,621 |
| Return on assets (ROA) | 1.1929% | 1,682 |
| Pretax return on assets | 1.4364% | 1,551 |
| Return on Equity (ROE) | 9.3525% | 2,259 |
| Retained earnings to average equity (ytd only) | 6.5715% | 1,563 |
| Net charge-offs to loans | 0.1748% | 954 |
| Credit loss provision to net charge-offs | 298.6185% | 1,740 |
| Earnings coverage of net charge-offs (x) | 15.7343% | 2,159 |
| Efficiency ratio | 49.4487% | 4,568 |
| Assets per employee ($millions) | 8.6449% | 852 |
| Cash dividends to net income (ytd only)* | 29.7354% | 2,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5087% | 1,548 |
| Loan loss allowance to noncurrent loans | 381.4935% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.2746% | 2,921 |
| Noncurrent loans to loans | 0.3955% | 2,794 |
| Net loans and leases to total assets | 58.5965% | 3,027 |
| Net loans and leases to deposits | 67.0938% | 3,175 |
| Net loans and leases to core deposits | 69.3591% | 3,298 |
| Total domestic deposits to total assets | 87.3351% | 1,770 |
| Equity capital to assets | 12.2656% | 1,441 |
| Core capital (leverage) ratio | 12.1990% | 1,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8684% | 1,079 |
| Memoranda: | ||
| Average total assets | $845,735,800 | 1,015 |
| Average earning assets | $804,621,800 | 998 |
| Average equity | $107,874,600 | 901 |
| Average total loans | $538,342,200 | 1,079 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9714% | 3,056 |
| Cost of funding earning assets | 0.8994% | 1,073 |
| Net interest margin | 3.0720% | 3,805 |
| Noninterest income to average assets | 0.5827% | 2,243 |
| Noninterest expense to average assets | 1.7988% | 4,504 |
| Loan and lease loss provision to assets | 0.4251% | 790 |
| Net operating income to assets | 1.0777% | 2,053 |
| Return on assets (ROA) | 1.0952% | 2,126 |
| Pretax return on assets | 1.3121% | 2,002 |
| Return on Equity (ROE) | 8.4961% | 2,599 |
| Retained earnings to average equity (ytd only) | 7.2471% | 1,602 |
| Net charge-offs to loans | 0.1973% | 773 |
| Credit loss provision to net charge-offs | 332.4937% | 1,658 |
| Earnings coverage of net charge-offs (x) | 13.4232% | 2,201 |
| Efficiency ratio | 50.5360% | 4,456 |
| Assets per employee ($millions) | 7.9018% | 1,038 |
| Cash dividends to net income (ytd only)* | 14.7016% | 2,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4569% | 1,512 |
| Loan loss allowance to noncurrent loans | 321.7732% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.3347% | 2,807 |
| Noncurrent loans to loans | 0.4528% | 2,693 |
| Net loans and leases to total assets | 63.8279% | 2,790 |
| Net loans and leases to deposits | 73.6566% | 2,990 |
| Net loans and leases to core deposits | 76.4878% | 3,127 |
| Total domestic deposits to total assets | 86.6560% | 1,793 |
| Equity capital to assets | 12.8076% | 1,272 |
| Core capital (leverage) ratio | 12.6061% | 1,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1841% | 1,213 |
| Memoranda: | ||
| Average total assets | $828,080,000 | 1,018 |
| Average earning assets | $790,398,250 | 998 |
| Average equity | $106,744,000 | 907 |
| Average total loans | $536,633,000 | 1,072 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0459% | 3,204 |
| Cost of funding earning assets | 0.9628% | 1,096 |
| Net interest margin | 3.0831% | 3,935 |
| Noninterest income to average assets | 0.5656% | 2,278 |
| Noninterest expense to average assets | 1.8100% | 4,547 |
| Loan and lease loss provision to assets | 0.5120% | 682 |
| Net operating income to assets | 1.0033% | 2,315 |
| Return on assets (ROA) | 1.0189% | 2,384 |
| Pretax return on assets | 1.2120% | 2,326 |
| Return on Equity (ROE) | 7.8865% | 2,794 |
| Retained earnings to average equity (ytd only) | 7.8865% | 1,340 |
| Net charge-offs to loans | 0.2880% | 551 |
| Credit loss provision to net charge-offs | 274.3421% | 1,685 |
| Earnings coverage of net charge-offs (x) | 9.1368% | 2,244 |
| Efficiency ratio | 50.8314% | 4,458 |
| Assets per employee ($millions) | 8.0015% | 965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3722% | 1,680 |
| Loan loss allowance to noncurrent loans | 231.6345% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 0.4334% | 2,574 |
| Noncurrent loans to loans | 0.5924% | 2,382 |
| Net loans and leases to total assets | 65.0894% | 2,745 |
| Net loans and leases to deposits | 75.2300% | 2,948 |
| Net loans and leases to core deposits | 77.9406% | 3,112 |
| Total domestic deposits to total assets | 86.5206% | 1,798 |
| Equity capital to assets | 12.9295% | 1,200 |
| Core capital (leverage) ratio | 12.7590% | 1,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8283% | 1,293 |
| Memoranda: | ||
| Average total assets | $814,375,000 | 1,017 |
| Average earning assets | $779,161,333 | 992 |
| Average equity | $105,217,667 | 915 |
| Average total loans | $527,847,000 | 1,074 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1905% | 3,246 |
| Cost of funding earning assets | 1.1170% | 1,001 |
| Net interest margin | 3.0735% | 4,151 |
| Noninterest income to average assets | 0.5402% | 2,335 |
| Noninterest expense to average assets | 1.8889% | 4,557 |
| Loan and lease loss provision to assets | 0.9179% | 248 |
| Net operating income to assets | 0.6012% | 3,587 |
| Return on assets (ROA) | 0.6074% | 3,635 |
| Pretax return on assets | 0.6857% | 3,730 |
| Return on Equity (ROE) | 4.7031% | 3,742 |
| Retained earnings to average equity (ytd only) | 4.7031% | 2,415 |
| Net charge-offs to loans | 0.2461% | 589 |
| Credit loss provision to net charge-offs | 580.9524% | 810 |
| Earnings coverage of net charge-offs (x) | 10.1048% | 1,782 |
| Efficiency ratio | 53.5185% | 4,431 |
| Assets per employee ($millions) | 7.6178% | 854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5009% | 1,338 |
| Loan loss allowance to noncurrent loans | 414.4813% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.2824% | 3,320 |
| Noncurrent loans to loans | 0.3621% | 3,201 |
| Net loans and leases to total assets | 64.5785% | 2,991 |
| Net loans and leases to deposits | 74.5216% | 3,218 |
| Net loans and leases to core deposits | 77.0659% | 3,428 |
| Total domestic deposits to total assets | 86.6575% | 1,710 |
| Equity capital to assets | 12.7174% | 1,609 |
| Core capital (leverage) ratio | 12.9779% | 1,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4554% | 1,242 |
| Memoranda: | ||
| Average total assets | $797,483,500 | 1,006 |
| Average earning assets | $764,208,000 | 978 |
| Average equity | $102,995,000 | 926 |
| Average total loans | $511,899,500 | 1,078 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1268% | 3,988 |
| Cost of funding earning assets | 1.2586% | 866 |
| Net interest margin | 2.8682% | 4,688 |
| Noninterest income to average assets | 0.5119% | 2,664 |
| Noninterest expense to average assets | 1.7250% | 4,849 |
| Loan and lease loss provision to assets | 0.3445% | 450 |
| Net operating income to assets | 1.0350% | 2,715 |
| Return on assets (ROA) | 1.0444% | 2,771 |
| Pretax return on assets | 1.2063% | 2,821 |
| Return on Equity (ROE) | 8.1700% | 3,094 |
| Retained earnings to average equity (ytd only) | 5.1922% | 2,315 |
| Net charge-offs to loans | 0.3975% | 490 |
| Credit loss provision to net charge-offs | 149.6692% | 1,713 |
| Earnings coverage of net charge-offs (x) | 6.6907% | 2,946 |
| Efficiency ratio | 52.1063% | 4,595 |
| Assets per employee ($millions) | 7.5010% | 862 |
| Cash dividends to net income (ytd only)* | 36.4476% | 2,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2728% | 2,056 |
| Loan loss allowance to noncurrent loans | 431.5003% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 0.2480% | 3,448 |
| Noncurrent loans to loans | 0.2950% | 3,372 |
| Net loans and leases to total assets | 62.0085% | 3,399 |
| Net loans and leases to deposits | 72.0215% | 3,520 |
| Net loans and leases to core deposits | 74.3318% | 3,691 |
| Total domestic deposits to total assets | 86.0973% | 2,032 |
| Equity capital to assets | 13.1138% | 1,452 |
| Core capital (leverage) ratio | 12.9179% | 1,273 |
| Tier 1 risk-based capital ratio | 16.2179% | 2,324 |
| Total risk-based capital ratio | 17.2299% | 2,361 |
| Memoranda: | ||
| Average total assets | $788,094,400 | 985 |
| Average earning assets | $756,491,800 | 953 |
| Average equity | $100,747,200 | 901 |
| Average total loans | $456,390,000 | 1,148 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0819% | 4,192 |
| Cost of funding earning assets | 1.2708% | 859 |
| Net interest margin | 2.8111% | 4,846 |
| Noninterest income to average assets | 0.4651% | 2,933 |
| Noninterest expense to average assets | 1.6971% | 4,925 |
| Loan and lease loss provision to assets | 0.3154% | 456 |
| Net operating income to assets | 0.9948% | 2,998 |
| Return on assets (ROA) | 1.0043% | 3,046 |
| Pretax return on assets | 1.1637% | 3,093 |
| Return on Equity (ROE) | 7.9077% | 3,352 |
| Retained earnings to average equity (ytd only) | 7.9077% | 1,439 |
| Net charge-offs to loans | 0.4619% | 366 |
| Credit loss provision to net charge-offs | 120.4663% | 1,946 |
| Earnings coverage of net charge-offs (x) | 5.6075% | 2,907 |
| Efficiency ratio | 52.8687% | 4,524 |
| Assets per employee ($millions) | 7.6868% | 778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1811% | 2,611 |
| Loan loss allowance to noncurrent loans | 180.4001% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 0.4671% | 2,657 |
| Noncurrent loans to loans | 0.6547% | 2,322 |
| Net loans and leases to total assets | 60.9845% | 3,596 |
| Net loans and leases to deposits | 71.0684% | 3,680 |
| Net loans and leases to core deposits | 73.3809% | 3,865 |
| Total domestic deposits to total assets | 85.8109% | 2,075 |
| Equity capital to assets | 13.2264% | 1,497 |
| Core capital (leverage) ratio | 13.1246% | 1,291 |
| Tier 1 risk-based capital ratio | 16.5355% | 2,255 |
| Total risk-based capital ratio | 17.4663% | 2,287 |
| Memoranda: | ||
| Average total assets | $786,342,500 | 988 |
| Average earning assets | $755,280,500 | 956 |
| Average equity | $99,867,000 | 902 |
| Average total loans | $445,640,750 | 1,174 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0200% | 4,335 |
| Cost of funding earning assets | 1.2669% | 827 |
| Net interest margin | 2.7531% | 4,963 |
| Noninterest income to average assets | 0.4471% | 2,971 |
| Noninterest expense to average assets | 1.6853% | 4,988 |
| Loan and lease loss provision to assets | 0.3416% | 380 |
| Net operating income to assets | 0.9243% | 3,194 |
| Return on assets (ROA) | 0.9277% | 3,238 |
| Pretax return on assets | 1.0648% | 3,337 |
| Return on Equity (ROE) | 7.4077% | 3,528 |
| Retained earnings to average equity (ytd only) | 7.4077% | 1,646 |
| Net charge-offs to loans | 0.4247% | 391 |
| Credit loss provision to net charge-offs | 146.2882% | 1,521 |
| Earnings coverage of net charge-offs (x) | 6.0066% | 2,605 |
| Efficiency ratio | 53.8017% | 4,493 |
| Assets per employee ($millions) | 7.3528% | 865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2932% | 2,045 |
| Loan loss allowance to noncurrent loans | 152.1480% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 0.5598% | 2,341 |
| Noncurrent loans to loans | 0.8500% | 1,903 |
| Net loans and leases to total assets | 57.5744% | 3,953 |
| Net loans and leases to deposits | 66.9185% | 4,031 |
| Net loans and leases to core deposits | 68.8139% | 4,166 |
| Total domestic deposits to total assets | 86.0365% | 2,016 |
| Equity capital to assets | 13.0992% | 1,544 |
| Core capital (leverage) ratio | 12.7457% | 1,426 |
| Tier 1 risk-based capital ratio | 16.7352% | 2,166 |
| Total risk-based capital ratio | 17.7169% | 2,193 |
| Memoranda: | ||
| Average total assets | $784,543,000 | 993 |
| Average earning assets | $752,530,670 | 958 |
| Average equity | $98,249,670 | 908 |
| Average total loans | $431,317,670 | 1,203 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8942% | 4,559 |
| Cost of funding earning assets | 1.2437% | 784 |
| Net interest margin | 2.6505% | 5,101 |
| Noninterest income to average assets | 0.4304% | 2,977 |
| Noninterest expense to average assets | 1.6409% | 5,063 |
| Loan and lease loss provision to assets | 0.3405% | 356 |
| Net operating income to assets | 0.8682% | 3,362 |
| Return on assets (ROA) | 0.8695% | 3,403 |
| Pretax return on assets | 0.9879% | 3,482 |
| Return on Equity (ROE) | 7.1050% | 3,634 |
| Retained earnings to average equity (ytd only) | 7.1050% | 1,997 |
| Net charge-offs to loans | 0.8426% | 177 |
| Credit loss provision to net charge-offs | 75.7919% | 1,809 |
| Earnings coverage of net charge-offs (x) | 2.9536% | 2,444 |
| Efficiency ratio | 54.4863% | 4,486 |
| Assets per employee ($millions) | 8.0849% | 656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2413% | 2,377 |
| Loan loss allowance to noncurrent loans | 202.0432% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 0.3879% | 3,028 |
| Noncurrent loans to loans | 0.6144% | 2,491 |
| Net loans and leases to total assets | 51.5763% | 4,370 |
| Net loans and leases to deposits | 59.5872% | 4,433 |
| Net loans and leases to core deposits | 61.1235% | 4,525 |
| Total domestic deposits to total assets | 86.5560% | 2,037 |
| Equity capital to assets | 12.1543% | 1,934 |
| Core capital (leverage) ratio | 12.4129% | 1,555 |
| Tier 1 risk-based capital ratio | 17.1365% | 2,069 |
| Total risk-based capital ratio | 18.0506% | 2,123 |
| Memoranda: | ||
| Average total assets | $787,116,000 | 988 |
| Average earning assets | $753,530,000 | 955 |
| Average equity | $96,327,000 | 918 |
| Average total loans | $419,670,500 | 1,234 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7497% | 4,590 |
| Cost of funding earning assets | 1.1019% | 491 |
| Net interest margin | 2.6478% | 5,127 |
| Noninterest income to average assets | 0.4524% | 3,091 |
| Noninterest expense to average assets | 1.6979% | 5,089 |
| Loan and lease loss provision to assets | 0.1163% | 1,894 |
| Net operating income to assets | 1.0284% | 2,896 |
| Return on assets (ROA) | 1.0276% | 2,882 |
| Pretax return on assets | 1.1747% | 2,987 |
| Return on Equity (ROE) | 8.6945% | 3,146 |
| Retained earnings to average equity (ytd only) | 8.6945% | 983 |
| Net charge-offs to loans | 0.2373% | 821 |
| Credit loss provision to net charge-offs | 94.4386% | 2,654 |
| Earnings coverage of net charge-offs (x) | 10.4932% | 2,712 |
| Efficiency ratio | 56.0040% | 4,410 |
| Assets per employee ($millions) | 7.7347% | 728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3078% | 1,998 |
| Loan loss allowance to noncurrent loans | 252.4294% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.3530% | 3,137 |
| Noncurrent loans to loans | 0.5181% | 2,725 |
| Net loans and leases to total assets | 53.7591% | 4,297 |
| Net loans and leases to deposits | 62.1454% | 4,369 |
| Net loans and leases to core deposits | 63.4577% | 4,476 |
| Total domestic deposits to total assets | 86.5054% | 2,015 |
| Equity capital to assets | 12.3263% | 1,679 |
| Core capital (leverage) ratio | 12.6234% | 1,401 |
| Tier 1 risk-based capital ratio | 17.2234% | 1,986 |
| Total risk-based capital ratio | 18.1971% | 2,030 |
| Memoranda: | ||
| Average total assets | $774,054,000 | 973 |
| Average earning assets | $741,793,000 | 944 |
| Average equity | $91,483,600 | 920 |
| Average total loans | $401,626,200 | 1,256 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6734% | 4,697 |
| Cost of funding earning assets | 1.0773% | 433 |
| Net interest margin | 2.5961% | 5,218 |
| Noninterest income to average assets | 0.4260% | 3,314 |
| Noninterest expense to average assets | 1.6880% | 5,146 |
| Loan and lease loss provision to assets | 0.0687% | 2,602 |
| Net operating income to assets | 1.0177% | 3,012 |
| Return on assets (ROA) | 1.0177% | 3,026 |
| Pretax return on assets | 1.1599% | 3,163 |
| Return on Equity (ROE) | 8.7028% | 3,240 |
| Retained earnings to average equity (ytd only) | 8.7028% | 1,343 |
| Net charge-offs to loans | 0.2551% | 659 |
| Credit loss provision to net charge-offs | 52.5624% | 2,806 |
| Earnings coverage of net charge-offs (x) | 9.3982% | 2,643 |
| Efficiency ratio | 57.0739% | 4,244 |
| Assets per employee ($millions) | 7.5361% | 757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2479% | 2,377 |
| Loan loss allowance to noncurrent loans | 436.5564% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 0.2239% | 3,823 |
| Noncurrent loans to loans | 0.2858% | 3,662 |
| Net loans and leases to total assets | 52.9895% | 4,422 |
| Net loans and leases to deposits | 61.0890% | 4,487 |
| Net loans and leases to core deposits | 62.0201% | 4,610 |
| Total domestic deposits to total assets | 86.7415% | 1,852 |
| Equity capital to assets | 11.9014% | 1,969 |
| Core capital (leverage) ratio | 12.0958% | 1,729 |
| Tier 1 risk-based capital ratio | 16.5939% | 2,249 |
| Total risk-based capital ratio | 17.4983% | 2,302 |
| Memoranda: | ||
| Average total assets | $776,133,000 | 969 |
| Average earning assets | $744,573,000 | 940 |
| Average equity | $90,757,750 | 924 |
| Average total loans | $397,755,500 | 1,264 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5975% | 4,772 |
| Cost of funding earning assets | 1.0412% | 381 |
| Net interest margin | 2.5563% | 5,298 |
| Noninterest income to average assets | 0.4159% | 3,381 |
| Noninterest expense to average assets | 1.7089% | 5,190 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0192% | 2,929 |
| Return on assets (ROA) | 1.0192% | 2,937 |
| Pretax return on assets | 1.1590% | 3,101 |
| Return on Equity (ROE) | 8.7675% | 3,136 |
| Retained earnings to average equity (ytd only) | 8.7675% | 1,293 |
| Net charge-offs to loans | 0.2713% | 588 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 8.4653% | 2,474 |
| Efficiency ratio | 58.7909% | 4,116 |
| Assets per employee ($millions) | 7.8044% | 674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2336% | 2,532 |
| Loan loss allowance to noncurrent loans | 316.2746% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.2710% | 3,682 |
| Noncurrent loans to loans | 0.3900% | 3,300 |
| Net loans and leases to total assets | 51.0384% | 4,541 |
| Net loans and leases to deposits | 58.9666% | 4,591 |
| Net loans and leases to core deposits | 59.8439% | 4,714 |
| Total domestic deposits to total assets | 86.5547% | 2,032 |
| Equity capital to assets | 11.7910% | 1,998 |
| Core capital (leverage) ratio | 11.8476% | 1,806 |
| Tier 1 risk-based capital ratio | 16.7544% | 2,179 |
| Total risk-based capital ratio | 17.6562% | 2,236 |
| Memoranda: | ||
| Average total assets | $778,616,000 | 973 |
| Average earning assets | $746,849,000 | 942 |
| Average equity | $90,515,670 | 926 |
| Average total loans | $392,851,000 | 1,275 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5113% | 4,860 |
| Cost of funding earning assets | 0.9957% | 373 |
| Net interest margin | 2.5156% | 5,383 |
| Noninterest income to average assets | 0.4043% | 3,433 |
| Noninterest expense to average assets | 1.8094% | 5,143 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8970% | 3,305 |
| Return on assets (ROA) | 0.8970% | 3,313 |
| Pretax return on assets | 1.0040% | 3,519 |
| Return on Equity (ROE) | 7.7716% | 3,479 |
| Retained earnings to average equity (ytd only) | 7.7716% | 1,931 |
| Net charge-offs to loans | 0.1403% | 974 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 14.3529% | 1,713 |
| Efficiency ratio | 63.5466% | 3,552 |
| Assets per employee ($millions) | 7.7416% | 697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3772% | 1,930 |
| Loan loss allowance to noncurrent loans | 206.6949% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 0.4017% | 3,225 |
| Noncurrent loans to loans | 0.6663% | 2,552 |
| Net loans and leases to total assets | 49.1988% | 4,615 |
| Net loans and leases to deposits | 56.9686% | 4,646 |
| Net loans and leases to core deposits | 57.8393% | 4,763 |
| Total domestic deposits to total assets | 86.3613% | 2,377 |
| Equity capital to assets | 11.5099% | 2,122 |
| Core capital (leverage) ratio | 11.6571% | 1,887 |
| Tier 1 risk-based capital ratio | 16.2903% | 2,361 |
| Total risk-based capital ratio | 17.2609% | 2,404 |
| Memoranda: | ||
| Average total assets | $777,703,000 | 978 |
| Average earning assets | $744,798,500 | 955 |
| Average equity | $89,762,500 | 938 |
| Average total loans | $387,626,500 | 1,296 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5636% | 4,652 |
| Cost of funding earning assets | 0.7991% | 626 |
| Net interest margin | 2.7645% | 5,214 |
| Noninterest income to average assets | 0.4505% | 3,305 |
| Noninterest expense to average assets | 1.7503% | 5,282 |
| Loan and lease loss provision to assets | 0.0388% | 3,498 |
| Net operating income to assets | 1.0125% | 2,186 |
| Return on assets (ROA) | 1.0416% | 2,117 |
| Pretax return on assets | 1.3577% | 2,133 |
| Return on Equity (ROE) | 9.4099% | 2,135 |
| Retained earnings to average equity (ytd only) | 9.4099% | 441 |
| Net charge-offs to loans | -0.2664% | 5,552 |
| Credit loss provision to net charge-offs | -31.0238% | 4,622 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6424% | 4,796 |
| Assets per employee ($millions) | 7.5098% | 764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4299% | 1,650 |
| Loan loss allowance to noncurrent loans | 608.6188% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.1871% | 4,197 |
| Noncurrent loans to loans | 0.2349% | 3,963 |
| Net loans and leases to total assets | 49.0866% | 4,699 |
| Net loans and leases to deposits | 56.4723% | 4,776 |
| Net loans and leases to core deposits | 57.3802% | 4,880 |
| Total domestic deposits to total assets | 86.9215% | 2,034 |
| Equity capital to assets | 11.5744% | 2,137 |
| Core capital (leverage) ratio | 11.5025% | 1,939 |
| Tier 1 risk-based capital ratio | 16.1341% | 2,386 |
| Total risk-based capital ratio | 17.1405% | 2,417 |
| Memoranda: | ||
| Average total assets | $773,292,800 | 962 |
| Average earning assets | $743,610,800 | 925 |
| Average equity | $85,601,600 | 952 |
| Average total loans | $362,989,000 | 1,337 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4970% | 4,820 |
| Cost of funding earning assets | 0.7805% | 647 |
| Net interest margin | 2.7165% | 5,306 |
| Noninterest income to average assets | 0.4273% | 3,498 |
| Noninterest expense to average assets | 1.6714% | 5,393 |
| Loan and lease loss provision to assets | 0.0517% | 3,067 |
| Net operating income to assets | 1.0609% | 2,281 |
| Return on assets (ROA) | 1.1013% | 2,137 |
| Pretax return on assets | 1.3727% | 2,205 |
| Return on Equity (ROE) | 10.0636% | 2,106 |
| Retained earnings to average equity (ytd only) | 10.0636% | 572 |
| Net charge-offs to loans | -0.3969% | 5,638 |
| Credit loss provision to net charge-offs | -28.1955% | 4,411 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2155% | 4,920 |
| Assets per employee ($millions) | 7.5990% | 730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4970% | 1,544 |
| Loan loss allowance to noncurrent loans | 1,109.9010% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.1364% | 4,566 |
| Noncurrent loans to loans | 0.1349% | 4,518 |
| Net loans and leases to total assets | 48.0524% | 4,822 |
| Net loans and leases to deposits | 55.5319% | 4,892 |
| Net loans and leases to core deposits | 56.3528% | 4,981 |
| Total domestic deposits to total assets | 86.5311% | 2,088 |
| Equity capital to assets | 11.5134% | 2,356 |
| Core capital (leverage) ratio | 11.2959% | 2,186 |
| Tier 1 risk-based capital ratio | 16.0556% | 2,479 |
| Total risk-based capital ratio | 17.0936% | 2,506 |
| Memoranda: | ||
| Average total assets | $773,239,250 | 964 |
| Average earning assets | $745,191,750 | 930 |
| Average equity | $84,619,750 | 966 |
| Average total loans | $357,437,250 | 1,367 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3462% | 5,035 |
| Cost of funding earning assets | 0.7790% | 584 |
| Net interest margin | 2.5672% | 5,459 |
| Noninterest income to average assets | 0.4167% | 3,587 |
| Noninterest expense to average assets | 1.7277% | 5,387 |
| Loan and lease loss provision to assets | 0.0774% | 2,433 |
| Net operating income to assets | 0.8960% | 2,933 |
| Return on assets (ROA) | 0.9252% | 2,834 |
| Pretax return on assets | 1.1216% | 3,083 |
| Return on Equity (ROE) | 8.6025% | 2,718 |
| Retained earnings to average equity (ytd only) | 8.6025% | 966 |
| Net charge-offs to loans | 0.1467% | 1,275 |
| Credit loss provision to net charge-offs | 116.2791% | 1,820 |
| Earnings coverage of net charge-offs (x) | 17.4767% | 1,921 |
| Efficiency ratio | 59.0540% | 4,464 |
| Assets per employee ($millions) | 7.8088% | 663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1722% | 3,183 |
| Loan loss allowance to noncurrent loans | 66.3928% | 4,244 |
| Noncurrent assets plus other real estate owned to assets | 0.9057% | 1,956 |
| Noncurrent loans to loans | 1.7656% | 1,022 |
| Net loans and leases to total assets | 46.7092% | 4,901 |
| Net loans and leases to deposits | 53.6287% | 4,978 |
| Net loans and leases to core deposits | 54.4183% | 5,072 |
| Total domestic deposits to total assets | 87.0973% | 1,903 |
| Equity capital to assets | 11.0928% | 2,711 |
| Core capital (leverage) ratio | 10.8445% | 2,558 |
| Tier 1 risk-based capital ratio | 15.3211% | 2,791 |
| Total risk-based capital ratio | 16.1036% | 2,917 |
| Memoranda: | ||
| Average total assets | $775,151,000 | 969 |
| Average earning assets | $747,108,670 | 933 |
| Average equity | $83,371,000 | 982 |
| Average total loans | $351,780,000 | 1,388 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2143% | 5,221 |
| Cost of funding earning assets | 0.7750% | 567 |
| Net interest margin | 2.4394% | 5,590 |
| Noninterest income to average assets | 0.3963% | 3,690 |
| Noninterest expense to average assets | 1.6491% | 5,515 |
| Loan and lease loss provision to assets | 0.1546% | 1,181 |
| Net operating income to assets | 0.8016% | 3,216 |
| Return on assets (ROA) | 0.8173% | 3,197 |
| Pretax return on assets | 0.9601% | 3,545 |
| Return on Equity (ROE) | 7.7197% | 3,062 |
| Retained earnings to average equity (ytd only) | 7.7197% | 1,568 |
| Net charge-offs to loans | 0.0475% | 1,900 |
| Credit loss provision to net charge-offs | 731.7073% | 442 |
| Earnings coverage of net charge-offs (x) | 51.8780% | 877 |
| Efficiency ratio | 59.3392% | 4,555 |
| Assets per employee ($millions) | 8.0006% | 618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3091% | 2,496 |
| Loan loss allowance to noncurrent loans | 41.1636% | 4,831 |
| Noncurrent assets plus other real estate owned to assets | 1.4646% | 1,118 |
| Noncurrent loans to loans | 3.1802% | 402 |
| Net loans and leases to total assets | 43.2690% | 5,081 |
| Net loans and leases to deposits | 49.3416% | 5,164 |
| Net loans and leases to core deposits | 50.1219% | 5,220 |
| Total domestic deposits to total assets | 87.6928% | 1,891 |
| Equity capital to assets | 10.5991% | 3,068 |
| Core capital (leverage) ratio | 10.6628% | 2,724 |
| Tier 1 risk-based capital ratio | 15.1779% | 2,888 |
| Total risk-based capital ratio | 16.0126% | 3,010 |
| Memoranda: | ||
| Average total assets | $776,191,000 | 968 |
| Average earning assets | $747,403,000 | 935 |
| Average equity | $82,179,000 | 993 |
| Average total loans | $344,981,000 | 1,415 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2637% | 5,217 |
| Cost of funding earning assets | 0.8039% | 495 |
| Net interest margin | 2.4598% | 5,608 |
| Noninterest income to average assets | 0.4505% | 3,542 |
| Noninterest expense to average assets | 1.5533% | 5,686 |
| Loan and lease loss provision to assets | 0.3264% | 552 |
| Net operating income to assets | 0.8141% | 3,242 |
| Return on assets (ROA) | 0.8273% | 3,276 |
| Pretax return on assets | 0.9519% | 3,651 |
| Return on Equity (ROE) | 7.9301% | 2,977 |
| Retained earnings to average equity (ytd only) | 7.9301% | 875 |
| Net charge-offs to loans | 0.6535% | 338 |
| Credit loss provision to net charge-offs | 111.8897% | 2,347 |
| Earnings coverage of net charge-offs (x) | 4.3300% | 3,513 |
| Efficiency ratio | 54.4109% | 5,211 |
| Assets per employee ($millions) | 7.7609% | 665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2250% | 2,976 |
| Loan loss allowance to noncurrent loans | 36.7027% | 4,968 |
| Noncurrent assets plus other real estate owned to assets | 1.5756% | 1,028 |
| Noncurrent loans to loans | 3.3376% | 371 |
| Net loans and leases to total assets | 44.5081% | 5,085 |
| Net loans and leases to deposits | 50.8836% | 5,171 |
| Net loans and leases to core deposits | 51.6965% | 5,243 |
| Total domestic deposits to total assets | 87.4704% | 1,894 |
| Equity capital to assets | 10.5756% | 3,070 |
| Core capital (leverage) ratio | 10.5361% | 2,845 |
| Tier 1 risk-based capital ratio | 15.1870% | 2,890 |
| Total risk-based capital ratio | 15.9884% | 3,022 |
| Memoranda: | ||
| Average total assets | $758,278,400 | 956 |
| Average earning assets | $729,327,600 | 910 |
| Average equity | $79,103,400 | 1,002 |
| Average total loans | $338,481,000 | 1,381 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2805% | 5,241 |
| Cost of funding earning assets | 0.8122% | 471 |
| Net interest margin | 2.4682% | 5,674 |
| Noninterest income to average assets | 0.4357% | 3,656 |
| Noninterest expense to average assets | 1.4935% | 5,766 |
| Loan and lease loss provision to assets | 0.0176% | 3,893 |
| Net operating income to assets | 1.0384% | 2,251 |
| Return on assets (ROA) | 1.0617% | 2,267 |
| Pretax return on assets | 1.3297% | 2,312 |
| Return on Equity (ROE) | 10.2129% | 1,965 |
| Retained earnings to average equity (ytd only) | 10.2129% | 536 |
| Net charge-offs to loans | -0.0103% | 4,776 |
| Credit loss provision to net charge-offs | -384.6154% | 5,005 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3780% | 5,361 |
| Assets per employee ($millions) | 7.7849% | 643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2095% | 3,176 |
| Loan loss allowance to noncurrent loans | 658.7480% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.1539% | 4,825 |
| Noncurrent loans to loans | 0.1836% | 4,614 |
| Net loans and leases to total assets | 43.9370% | 5,194 |
| Net loans and leases to deposits | 50.7241% | 5,266 |
| Net loans and leases to core deposits | 51.5334% | 5,329 |
| Total domestic deposits to total assets | 86.6195% | 2,076 |
| Equity capital to assets | 10.8081% | 3,239 |
| Core capital (leverage) ratio | 10.5222% | 2,973 |
| Tier 1 risk-based capital ratio | 15.5457% | 2,812 |
| Total risk-based capital ratio | 16.3422% | 2,942 |
| Memoranda: | ||
| Average total assets | $755,766,250 | 956 |
| Average earning assets | $727,522,000 | 912 |
| Average equity | $78,565,500 | 1,017 |
| Average total loans | $336,549,000 | 1,392 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2786% | 5,328 |
| Cost of funding earning assets | 0.8225% | 434 |
| Net interest margin | 2.4561% | 5,764 |
| Noninterest income to average assets | 0.4147% | 3,785 |
| Noninterest expense to average assets | 1.5182% | 5,826 |
| Loan and lease loss provision to assets | 0.0265% | 3,601 |
| Net operating income to assets | 0.9924% | 2,423 |
| Return on assets (ROA) | 1.0154% | 2,457 |
| Pretax return on assets | 1.2607% | 2,560 |
| Return on Equity (ROE) | 9.9006% | 2,095 |
| Retained earnings to average equity (ytd only) | 9.9006% | 624 |
| Net charge-offs to loans | -0.0107% | 4,720 |
| Credit loss provision to net charge-offs | -555.5556% | 4,955 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9145% | 5,319 |
| Assets per employee ($millions) | 7.7096% | 642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2095% | 3,309 |
| Loan loss allowance to noncurrent loans | 531.2581% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.1732% | 4,808 |
| Noncurrent loans to loans | 0.2277% | 4,524 |
| Net loans and leases to total assets | 43.8321% | 5,243 |
| Net loans and leases to deposits | 50.0613% | 5,334 |
| Net loans and leases to core deposits | 50.9336% | 5,402 |
| Total domestic deposits to total assets | 87.5569% | 1,645 |
| Equity capital to assets | 10.4964% | 3,633 |
| Core capital (leverage) ratio | 10.2930% | 3,205 |
| Tier 1 risk-based capital ratio | 15.1687% | 2,996 |
| Total risk-based capital ratio | 15.9665% | 3,147 |
| Memoranda: | ||
| Average total assets | $753,380,000 | 955 |
| Average earning assets | $724,638,670 | 915 |
| Average equity | $77,268,000 | 1,031 |
| Average total loans | $335,628,670 | 1,392 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2441% | 5,421 |
| Cost of funding earning assets | 0.8184% | 443 |
| Net interest margin | 2.4257% | 5,868 |
| Noninterest income to average assets | 0.4030% | 3,806 |
| Noninterest expense to average assets | 1.5322% | 5,881 |
| Loan and lease loss provision to assets | 0.0534% | 2,871 |
| Net operating income to assets | 0.9307% | 2,599 |
| Return on assets (ROA) | 0.9657% | 2,542 |
| Pretax return on assets | 1.1923% | 2,736 |
| Return on Equity (ROE) | 9.5300% | 2,188 |
| Retained earnings to average equity (ytd only) | 9.5300% | 972 |
| Net charge-offs to loans | -0.0108% | 4,565 |
| Credit loss provision to net charge-offs | -1,111.1111% | 4,770 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2668% | 5,257 |
| Assets per employee ($millions) | 7.9017% | 585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2442% | 3,235 |
| Loan loss allowance to noncurrent loans | 455.6299% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.1909% | 4,807 |
| Noncurrent loans to loans | 0.2731% | 4,457 |
| Net loans and leases to total assets | 42.7652% | 5,310 |
| Net loans and leases to deposits | 48.6523% | 5,398 |
| Net loans and leases to core deposits | 49.5173% | 5,457 |
| Total domestic deposits to total assets | 87.8997% | 1,695 |
| Equity capital to assets | 10.1771% | 3,868 |
| Core capital (leverage) ratio | 10.1918% | 3,325 |
| Tier 1 risk-based capital ratio | 14.9928% | 3,163 |
| Total risk-based capital ratio | 15.8008% | 3,306 |
| Memoranda: | ||
| Average total assets | $748,444,500 | 962 |
| Average earning assets | $719,456,500 | 921 |
| Average equity | $75,845,000 | 1,051 |
| Average total loans | $334,120,500 | 1,386 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3830% | 5,200 |
| Cost of funding earning assets | 0.7900% | 516 |
| Net interest margin | 2.5931% | 5,761 |
| Noninterest income to average assets | 0.4392% | 3,752 |
| Noninterest expense to average assets | 1.5407% | 5,959 |
| Loan and lease loss provision to assets | 0.0828% | 2,644 |
| Net operating income to assets | 1.0492% | 2,127 |
| Return on assets (ROA) | 1.0621% | 2,157 |
| Pretax return on assets | 1.3259% | 2,176 |
| Return on Equity (ROE) | 10.5823% | 1,764 |
| Retained earnings to average equity (ytd only) | 3.7089% | 3,411 |
| Net charge-offs to loans | 0.0707% | 2,829 |
| Credit loss provision to net charge-offs | 255.3191% | 1,125 |
| Earnings coverage of net charge-offs (x) | 42.9489% | 1,109 |
| Efficiency ratio | 51.8438% | 5,641 |
| Assets per employee ($millions) | 7.6116% | 655 |
| Cash dividends to net income (ytd only)* | 64.9519% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1709% | 3,640 |
| Loan loss allowance to noncurrent loans | 718.0505% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.1497% | 4,992 |
| Noncurrent loans to loans | 0.1631% | 4,840 |
| Net loans and leases to total assets | 45.4779% | 5,191 |
| Net loans and leases to deposits | 51.8457% | 5,294 |
| Net loans and leases to core deposits | 52.7963% | 5,382 |
| Total domestic deposits to total assets | 87.7177% | 1,787 |
| Equity capital to assets | 10.0891% | 3,871 |
| Core capital (leverage) ratio | 10.1467% | 3,324 |
| Tier 1 risk-based capital ratio | 14.4590% | 3,464 |
| Total risk-based capital ratio | 15.2342% | 3,650 |
| Memoranda: | ||
| Average total assets | $724,796,200 | 958 |
| Average earning assets | $697,131,400 | 922 |
| Average equity | $72,744,400 | 1,052 |
| Average total loans | $332,280,200 | 1,349 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3826% | 5,236 |
| Cost of funding earning assets | 0.7933% | 518 |
| Net interest margin | 2.5893% | 5,844 |
| Noninterest income to average assets | 0.4066% | 4,044 |
| Noninterest expense to average assets | 1.5453% | 6,012 |
| Loan and lease loss provision to assets | 0.0924% | 2,325 |
| Net operating income to assets | 1.0213% | 2,369 |
| Return on assets (ROA) | 1.0215% | 2,462 |
| Pretax return on assets | 1.2617% | 2,546 |
| Return on Equity (ROE) | 10.1913% | 2,030 |
| Retained earnings to average equity (ytd only) | 0.9717% | 5,329 |
| Net charge-offs to loans | 0.0416% | 3,051 |
| Credit loss provision to net charge-offs | 485.4369% | 670 |
| Earnings coverage of net charge-offs (x) | 71.1262% | 806 |
| Efficiency ratio | 52.6296% | 5,609 |
| Assets per employee ($millions) | 7.4143% | 716 |
| Cash dividends to net income (ytd only)* | 90.4650% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2139% | 3,571 |
| Loan loss allowance to noncurrent loans | 690.1893% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.1558% | 5,137 |
| Noncurrent loans to loans | 0.1759% | 4,950 |
| Net loans and leases to total assets | 44.9101% | 5,296 |
| Net loans and leases to deposits | 51.2506% | 5,406 |
| Net loans and leases to core deposits | 52.1058% | 5,498 |
| Total domestic deposits to total assets | 87.6284% | 1,733 |
| Equity capital to assets | 10.0521% | 4,093 |
| Core capital (leverage) ratio | 9.8524% | 3,832 |
| Tier 1 risk-based capital ratio | 14.7079% | 3,434 |
| Total risk-based capital ratio | 15.5269% | 3,612 |
| Memoranda: | ||
| Average total assets | $721,414,750 | 965 |
| Average earning assets | $694,472,750 | 930 |
| Average equity | $72,308,000 | 1,060 |
| Average total loans | $330,412,500 | 1,355 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3922% | 5,248 |
| Cost of funding earning assets | 0.7901% | 532 |
| Net interest margin | 2.6021% | 5,881 |
| Noninterest income to average assets | 0.3854% | 4,185 |
| Noninterest expense to average assets | 1.5801% | 6,063 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0547% | 2,124 |
| Return on assets (ROA) | 1.0541% | 2,237 |
| Pretax return on assets | 1.3086% | 2,328 |
| Return on Equity (ROE) | 10.5267% | 1,838 |
| Retained earnings to average equity (ytd only) | 10.5267% | 577 |
| Net charge-offs to loans | -0.1313% | 5,880 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0489% | 5,585 |
| Assets per employee ($millions) | 7.5827% | 647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1622% | 4,012 |
| Loan loss allowance to noncurrent loans | 325.9574% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.2359% | 4,935 |
| Noncurrent loans to loans | 0.3566% | 4,428 |
| Net loans and leases to total assets | 44.2835% | 5,367 |
| Net loans and leases to deposits | 50.3639% | 5,486 |
| Net loans and leases to core deposits | 51.1947% | 5,568 |
| Total domestic deposits to total assets | 87.9270% | 1,689 |
| Equity capital to assets | 10.3281% | 3,653 |
| Core capital (leverage) ratio | 10.1446% | 3,403 |
| Tier 1 risk-based capital ratio | 15.4830% | 3,114 |
| Total risk-based capital ratio | 16.2709% | 3,277 |
| Memoranda: | ||
| Average total assets | $719,686,000 | 969 |
| Average earning assets | $692,598,670 | 927 |
| Average equity | $72,064,330 | 1,066 |
| Average total loans | $330,441,000 | 1,354 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4899% | 5,003 |
| Cost of funding earning assets | 0.7814% | 563 |
| Net interest margin | 2.7085% | 5,787 |
| Noninterest income to average assets | 0.3063% | 4,738 |
| Noninterest expense to average assets | 1.5589% | 6,139 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0800% | 1,935 |
| Return on assets (ROA) | 1.1200% | 1,906 |
| Pretax return on assets | 1.4038% | 1,874 |
| Return on Equity (ROE) | 11.3701% | 1,526 |
| Retained earnings to average equity (ytd only) | 11.3701% | 667 |
| Net charge-offs to loans | -0.2841% | 6,132 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1931% | 5,736 |
| Assets per employee ($millions) | 7.9081% | 564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1651% | 4,171 |
| Loan loss allowance to noncurrent loans | 571.7682% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.1659% | 5,289 |
| Noncurrent loans to loans | 0.2038% | 5,046 |
| Net loans and leases to total assets | 43.9133% | 5,355 |
| Net loans and leases to deposits | 49.7714% | 5,472 |
| Net loans and leases to core deposits | 50.5215% | 5,566 |
| Total domestic deposits to total assets | 88.2301% | 1,695 |
| Equity capital to assets | 10.0997% | 4,018 |
| Core capital (leverage) ratio | 10.4080% | 3,092 |
| Tier 1 risk-based capital ratio | 15.1720% | 3,335 |
| Total risk-based capital ratio | 15.9679% | 3,524 |
| Memoranda: | ||
| Average total assets | $711,770,000 | 971 |
| Average earning assets | $684,951,500 | 936 |
| Average equity | $70,114,000 | 1,104 |
| Average total loans | $330,890,000 | 1,357 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5621% | 5,184 |
| Cost of funding earning assets | 0.8937% | 402 |
| Net interest margin | 2.6684% | 5,982 |
| Noninterest income to average assets | 0.3703% | 4,426 |
| Noninterest expense to average assets | 1.4297% | 6,338 |
| Loan and lease loss provision to assets | 0.0309% | 3,986 |
| Net operating income to assets | 1.1922% | 1,608 |
| Return on assets (ROA) | 1.1958% | 1,666 |
| Pretax return on assets | 1.4891% | 1,584 |
| Return on Equity (ROE) | 12.1839% | 1,362 |
| Retained earnings to average equity (ytd only) | 8.2434% | 934 |
| Net charge-offs to loans | 0.1448% | 2,591 |
| Credit loss provision to net charge-offs | 45.9770% | 3,571 |
| Earnings coverage of net charge-offs (x) | 22.5218% | 1,622 |
| Efficiency ratio | 48.5425% | 6,166 |
| Assets per employee ($millions) | 8.1949% | 499 |
| Cash dividends to net income (ytd only)* | 32.3415% | 3,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0899% | 4,585 |
| Loan loss allowance to noncurrent loans | 903.2500% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.1411% | 5,468 |
| Noncurrent loans to loans | 0.1207% | 5,414 |
| Net loans and leases to total assets | 48.2056% | 5,132 |
| Net loans and leases to deposits | 54.6304% | 5,281 |
| Net loans and leases to core deposits | 55.4075% | 5,419 |
| Total domestic deposits to total assets | 88.2395% | 1,639 |
| Equity capital to assets | 9.5785% | 4,621 |
| Core capital (leverage) ratio | 9.6698% | 4,017 |
| Tier 1 risk-based capital ratio | 13.6670% | 4,314 |
| Total risk-based capital ratio | 14.4252% | 4,534 |
| Memoranda: | ||
| Average total assets | $646,418,000 | 1,039 |
| Average earning assets | $623,782,000 | 984 |
| Average equity | $63,444,600 | 1,151 |
| Average total loans | $300,467,600 | 1,424 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5597% | 5,241 |
| Cost of funding earning assets | 0.9117% | 391 |
| Net interest margin | 2.6480% | 6,076 |
| Noninterest income to average assets | 0.3381% | 4,726 |
| Noninterest expense to average assets | 1.3985% | 6,409 |
| Loan and lease loss provision to assets | 0.0418% | 3,563 |
| Net operating income to assets | 1.1735% | 1,779 |
| Return on assets (ROA) | 1.1745% | 1,847 |
| Pretax return on assets | 1.4562% | 1,790 |
| Return on Equity (ROE) | 11.8905% | 1,505 |
| Retained earnings to average equity (ytd only) | 11.8905% | 422 |
| Net charge-offs to loans | 0.1266% | 2,527 |
| Credit loss provision to net charge-offs | 71.9424% | 2,735 |
| Earnings coverage of net charge-offs (x) | 25.7624% | 1,501 |
| Efficiency ratio | 48.3037% | 6,187 |
| Assets per employee ($millions) | 8.1014% | 500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2435% | 4,001 |
| Loan loss allowance to noncurrent loans | 750.9960% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.1674% | 5,526 |
| Noncurrent loans to loans | 0.1656% | 5,414 |
| Net loans and leases to total assets | 45.0703% | 5,448 |
| Net loans and leases to deposits | 51.5526% | 5,557 |
| Net loans and leases to core deposits | 52.2632% | 5,671 |
| Total domestic deposits to total assets | 87.4259% | 2,079 |
| Equity capital to assets | 9.9016% | 4,299 |
| Core capital (leverage) ratio | 9.9835% | 3,704 |
| Tier 1 risk-based capital ratio | 14.7854% | 3,710 |
| Total risk-based capital ratio | 15.6362% | 3,895 |
| Memoranda: | ||
| Average total assets | $637,978,000 | 1,061 |
| Average earning assets | $616,098,000 | 1,004 |
| Average equity | $63,018,000 | 1,166 |
| Average total loans | $292,710,250 | 1,469 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5560% | 5,270 |
| Cost of funding earning assets | 0.9096% | 406 |
| Net interest margin | 2.6464% | 6,119 |
| Noninterest income to average assets | 0.3414% | 4,689 |
| Noninterest expense to average assets | 1.4183% | 6,460 |
| Loan and lease loss provision to assets | 0.0636% | 2,998 |
| Net operating income to assets | 1.1488% | 1,760 |
| Return on assets (ROA) | 1.1504% | 1,835 |
| Pretax return on assets | 1.4167% | 1,833 |
| Return on Equity (ROE) | 11.6558% | 1,532 |
| Retained earnings to average equity (ytd only) | 11.6558% | 461 |
| Net charge-offs to loans | 0.2123% | 1,758 |
| Credit loss provision to net charge-offs | 65.1466% | 2,554 |
| Earnings coverage of net charge-offs (x) | 15.1498% | 1,870 |
| Efficiency ratio | 48.9630% | 6,227 |
| Assets per employee ($millions) | 7.9442% | 510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2602% | 4,085 |
| Loan loss allowance to noncurrent loans | 916.9118% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.1535% | 5,696 |
| Noncurrent loans to loans | 0.1374% | 5,594 |
| Net loans and leases to total assets | 45.5504% | 5,411 |
| Net loans and leases to deposits | 51.7953% | 5,509 |
| Net loans and leases to core deposits | 52.5526% | 5,638 |
| Total domestic deposits to total assets | 87.9432% | 1,932 |
| Equity capital to assets | 9.9679% | 4,155 |
| Core capital (leverage) ratio | 10.0143% | 3,588 |
| Tier 1 risk-based capital ratio | 14.7032% | 3,808 |
| Total risk-based capital ratio | 15.5692% | 3,984 |
| Memoranda: | ||
| Average total assets | $629,198,000 | 1,072 |
| Average earning assets | $607,545,000 | 1,024 |
| Average equity | $62,098,000 | 1,172 |
| Average total loans | $289,220,330 | 1,481 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5503% | 5,296 |
| Cost of funding earning assets | 0.9064% | 437 |
| Net interest margin | 2.6439% | 6,181 |
| Noninterest income to average assets | 0.3331% | 4,710 |
| Noninterest expense to average assets | 1.3909% | 6,565 |
| Loan and lease loss provision to assets | 0.0643% | 2,835 |
| Net operating income to assets | 1.1678% | 1,572 |
| Return on assets (ROA) | 1.1710% | 1,632 |
| Pretax return on assets | 1.4346% | 1,624 |
| Return on Equity (ROE) | 11.9260% | 1,429 |
| Retained earnings to average equity (ytd only) | 11.9260% | 619 |
| Net charge-offs to loans | -0.0028% | 4,732 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1952% | 6,349 |
| Assets per employee ($millions) | 7.9329% | 500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4106% | 3,550 |
| Loan loss allowance to noncurrent loans | 585.1852% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.1978% | 5,628 |
| Noncurrent loans to loans | 0.2411% | 5,381 |
| Net loans and leases to total assets | 43.5012% | 5,557 |
| Net loans and leases to deposits | 49.2544% | 5,650 |
| Net loans and leases to core deposits | 49.9080% | 5,772 |
| Total domestic deposits to total assets | 88.3194% | 2,043 |
| Equity capital to assets | 9.7724% | 4,138 |
| Core capital (leverage) ratio | 9.9334% | 3,659 |
| Tier 1 risk-based capital ratio | 15.0294% | 3,699 |
| Total risk-based capital ratio | 15.9913% | 3,813 |
| Memoranda: | ||
| Average total assets | $622,058,000 | 1,094 |
| Average earning assets | $600,618,000 | 1,044 |
| Average equity | $61,076,500 | 1,188 |
| Average total loans | $285,406,500 | 1,502 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6955% | 5,147 |
| Cost of funding earning assets | 0.9374% | 615 |
| Net interest margin | 2.7581% | 6,050 |
| Noninterest income to average assets | 0.4304% | 4,232 |
| Noninterest expense to average assets | 1.4487% | 6,603 |
| Loan and lease loss provision to assets | 0.1249% | 2,753 |
| Net operating income to assets | 1.2079% | 1,532 |
| Return on assets (ROA) | 1.2069% | 1,611 |
| Pretax return on assets | 1.5037% | 1,437 |
| Return on Equity (ROE) | 12.6353% | 1,246 |
| Retained earnings to average equity (ytd only) | 12.2865% | 288 |
| Net charge-offs to loans | 0.2772% | 2,314 |
| Credit loss provision to net charge-offs | 96.1538% | 2,600 |
| Earnings coverage of net charge-offs (x) | 12.5462% | 2,115 |
| Efficiency ratio | 47.0569% | 6,516 |
| Assets per employee ($millions) | 7.5245% | 593 |
| Cash dividends to net income (ytd only)* | 2.7601% | 4,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3233% | 4,019 |
| Loan loss allowance to noncurrent loans | 548.9301% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.2102% | 5,663 |
| Noncurrent loans to loans | 0.2411% | 5,458 |
| Net loans and leases to total assets | 47.0796% | 5,382 |
| Net loans and leases to deposits | 53.3905% | 5,518 |
| Net loans and leases to core deposits | 54.1026% | 5,665 |
| Total domestic deposits to total assets | 88.1796% | 2,069 |
| Equity capital to assets | 9.8664% | 3,943 |
| Core capital (leverage) ratio | 9.8988% | 3,705 |
| Tier 1 risk-based capital ratio | 14.6033% | 3,899 |
| Total risk-based capital ratio | 15.5415% | 4,032 |
| Memoranda: | ||
| Average total assets | $600,399,200 | 1,112 |
| Average earning assets | $576,488,200 | 1,060 |
| Average equity | $57,347,400 | 1,254 |
| Average total loans | $281,384,800 | 1,503 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6824% | 5,211 |
| Cost of funding earning assets | 0.9399% | 672 |
| Net interest margin | 2.7425% | 6,096 |
| Noninterest income to average assets | 0.4168% | 4,394 |
| Noninterest expense to average assets | 1.4369% | 6,671 |
| Loan and lease loss provision to assets | 0.0223% | 4,562 |
| Net operating income to assets | 1.2604% | 1,454 |
| Return on assets (ROA) | 1.2590% | 1,522 |
| Pretax return on assets | 1.5874% | 1,364 |
| Return on Equity (ROE) | 13.2928% | 1,173 |
| Retained earnings to average equity (ytd only) | 13.2928% | 311 |
| Net charge-offs to loans | 0.1247% | 3,287 |
| Credit loss provision to net charge-offs | 38.3142% | 3,744 |
| Earnings coverage of net charge-offs (x) | 27.6974% | 1,302 |
| Efficiency ratio | 47.1371% | 6,547 |
| Assets per employee ($millions) | 7.4124% | 608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3007% | 4,386 |
| Loan loss allowance to noncurrent loans | 329.8137% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.2843% | 5,586 |
| Noncurrent loans to loans | 0.3944% | 5,213 |
| Net loans and leases to total assets | 46.9764% | 5,450 |
| Net loans and leases to deposits | 53.4649% | 5,585 |
| Net loans and leases to core deposits | 54.1222% | 5,758 |
| Total domestic deposits to total assets | 87.8642% | 2,214 |
| Equity capital to assets | 9.8301% | 4,134 |
| Core capital (leverage) ratio | 9.7801% | 3,992 |
| Tier 1 risk-based capital ratio | 14.3846% | 4,158 |
| Total risk-based capital ratio | 15.2986% | 4,339 |
| Memoranda: | ||
| Average total assets | $598,128,750 | 1,121 |
| Average earning assets | $573,919,750 | 1,068 |
| Average equity | $56,650,750 | 1,271 |
| Average total loans | $279,033,750 | 1,516 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6014% | 5,425 |
| Cost of funding earning assets | 0.9283% | 783 |
| Net interest margin | 2.6731% | 6,225 |
| Noninterest income to average assets | 0.3998% | 4,530 |
| Noninterest expense to average assets | 1.4065% | 6,728 |
| Loan and lease loss provision to assets | 0.0335% | 4,269 |
| Net operating income to assets | 1.2084% | 1,575 |
| Return on assets (ROA) | 1.2063% | 1,682 |
| Pretax return on assets | 1.5187% | 1,563 |
| Return on Equity (ROE) | 12.8999% | 1,264 |
| Retained earnings to average equity (ytd only) | 12.8999% | 394 |
| Net charge-offs to loans | 0.1756% | 2,715 |
| Credit loss provision to net charge-offs | 41.1523% | 3,394 |
| Earnings coverage of net charge-offs (x) | 19.1111% | 1,521 |
| Efficiency ratio | 47.4958% | 6,566 |
| Assets per employee ($millions) | 7.4380% | 587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3375% | 4,329 |
| Loan loss allowance to noncurrent loans | 341.7200% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.2830% | 5,634 |
| Noncurrent loans to loans | 0.3914% | 5,295 |
| Net loans and leases to total assets | 46.3039% | 5,498 |
| Net loans and leases to deposits | 52.2089% | 5,673 |
| Net loans and leases to core deposits | 52.8449% | 5,826 |
| Total domestic deposits to total assets | 88.6896% | 1,783 |
| Equity capital to assets | 9.5469% | 4,522 |
| Core capital (leverage) ratio | 9.4953% | 4,253 |
| Tier 1 risk-based capital ratio | 14.3171% | 4,213 |
| Total risk-based capital ratio | 15.2643% | 4,378 |
| Memoranda: | ||
| Average total assets | $597,370,670 | 1,121 |
| Average earning assets | $572,437,000 | 1,068 |
| Average equity | $55,861,000 | 1,291 |
| Average total loans | $276,790,000 | 1,527 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5476% | 5,585 |
| Cost of funding earning assets | 0.9100% | 942 |
| Net interest margin | 2.6376% | 6,317 |
| Noninterest income to average assets | 0.3889% | 4,544 |
| Noninterest expense to average assets | 1.4014% | 6,818 |
| Loan and lease loss provision to assets | 0.0668% | 3,519 |
| Net operating income to assets | 1.1531% | 1,660 |
| Return on assets (ROA) | 1.1488% | 1,784 |
| Pretax return on assets | 1.4335% | 1,762 |
| Return on Equity (ROE) | 12.4144% | 1,317 |
| Retained earnings to average equity (ytd only) | 12.4144% | 645 |
| Net charge-offs to loans | 0.2308% | 2,059 |
| Credit loss provision to net charge-offs | 62.8931% | 2,393 |
| Earnings coverage of net charge-offs (x) | 14.1698% | 1,474 |
| Efficiency ratio | 48.2069% | 6,602 |
| Assets per employee ($millions) | 7.7241% | 554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4279% | 4,098 |
| Loan loss allowance to noncurrent loans | 336.4758% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.2832% | 5,722 |
| Noncurrent loans to loans | 0.4244% | 5,357 |
| Net loans and leases to total assets | 43.7580% | 5,689 |
| Net loans and leases to deposits | 49.3279% | 5,830 |
| Net loans and leases to core deposits | 49.9889% | 5,975 |
| Total domestic deposits to total assets | 88.7084% | 1,865 |
| Equity capital to assets | 9.3302% | 5,094 |
| Core capital (leverage) ratio | 9.3146% | 4,374 |
| Tier 1 risk-based capital ratio | 14.2054% | 4,362 |
| Total risk-based capital ratio | 15.1995% | 4,503 |
| Memoranda: | ||
| Average total assets | $598,536,500 | 1,130 |
| Average earning assets | $571,434,500 | 1,079 |
| Average equity | $55,387,500 | 1,317 |
| Average total loans | $275,554,500 | 1,541 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0789% | 5,019 |
| Cost of funding earning assets | 1.0549% | 1,098 |
| Net interest margin | 3.0240% | 5,991 |
| Noninterest income to average assets | 0.4633% | 4,149 |
| Noninterest expense to average assets | 1.4848% | 6,875 |
| Loan and lease loss provision to assets | 0.0625% | 4,988 |
| Net operating income to assets | 1.4180% | 1,064 |
| Return on assets (ROA) | 1.4220% | 1,175 |
| Pretax return on assets | 1.8282% | 874 |
| Return on Equity (ROE) | 15.6400% | 716 |
| Retained earnings to average equity (ytd only) | 14.5993% | 174 |
| Net charge-offs to loans | 0.1381% | 4,311 |
| Credit loss provision to net charge-offs | 93.5829% | 3,327 |
| Earnings coverage of net charge-offs (x) | 28.2380% | 1,048 |
| Efficiency ratio | 44.0566% | 6,844 |
| Assets per employee ($millions) | 7.4324% | 645 |
| Cash dividends to net income (ytd only)* | 6.6541% | 4,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3671% | 4,323 |
| Loan loss allowance to noncurrent loans | 310.2400% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.3063% | 5,757 |
| Noncurrent loans to loans | 0.4407% | 5,398 |
| Net loans and leases to total assets | 47.0539% | 5,507 |
| Net loans and leases to deposits | 53.0390% | 5,736 |
| Net loans and leases to core deposits | 53.7060% | 5,897 |
| Total domestic deposits to total assets | 88.7156% | 1,759 |
| Equity capital to assets | 9.1764% | 5,300 |
| Core capital (leverage) ratio | 9.1867% | 4,604 |
| Tier 1 risk-based capital ratio | 13.3786% | 4,834 |
| Total risk-based capital ratio | 14.3603% | 4,977 |
| Memoranda: | ||
| Average total assets | $560,126,600 | 1,186 |
| Average earning assets | $538,460,400 | 1,123 |
| Average equity | $50,927,200 | 1,392 |
| Average total loans | $270,851,000 | 1,534 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0868% | 5,239 |
| Cost of funding earning assets | 1.0692% | 1,199 |
| Net interest margin | 3.0177% | 6,134 |
| Noninterest income to average assets | 0.4468% | 4,317 |
| Noninterest expense to average assets | 1.4317% | 6,976 |
| Loan and lease loss provision to assets | 0.0846% | 4,553 |
| Net operating income to assets | 1.4301% | 1,158 |
| Return on assets (ROA) | 1.4355% | 1,274 |
| Pretax return on assets | 1.8470% | 961 |
| Return on Equity (ROE) | 15.8284% | 766 |
| Retained earnings to average equity (ytd only) | 15.8284% | 199 |
| Net charge-offs to loans | 0.1295% | 4,081 |
| Credit loss provision to net charge-offs | 134.6154% | 2,140 |
| Earnings coverage of net charge-offs (x) | 30.6191% | 1,080 |
| Efficiency ratio | 42.6565% | 6,941 |
| Assets per employee ($millions) | 6.9982% | 739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4543% | 4,139 |
| Loan loss allowance to noncurrent loans | 274.7419% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.3571% | 5,797 |
| Noncurrent loans to loans | 0.5293% | 5,385 |
| Net loans and leases to total assets | 47.7186% | 5,586 |
| Net loans and leases to deposits | 54.0647% | 5,806 |
| Net loans and leases to core deposits | 54.7669% | 5,986 |
| Total domestic deposits to total assets | 88.2621% | 1,869 |
| Equity capital to assets | 9.4010% | 5,332 |
| Core capital (leverage) ratio | 9.0897% | 4,927 |
| Tier 1 risk-based capital ratio | 13.3786% | 4,966 |
| Total risk-based capital ratio | 14.4187% | 5,083 |
| Memoranda: | ||
| Average total assets | $551,510,500 | 1,228 |
| Average earning assets | $531,742,750 | 1,150 |
| Average equity | $50,018,500 | 1,429 |
| Average total loans | $267,649,750 | 1,558 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0775% | 5,395 |
| Cost of funding earning assets | 1.0864% | 1,278 |
| Net interest margin | 2.9912% | 6,264 |
| Noninterest income to average assets | 0.4272% | 4,456 |
| Noninterest expense to average assets | 1.4378% | 7,038 |
| Loan and lease loss provision to assets | 0.0549% | 4,974 |
| Net operating income to assets | 1.4052% | 1,185 |
| Return on assets (ROA) | 1.4125% | 1,302 |
| Pretax return on assets | 1.8254% | 988 |
| Return on Equity (ROE) | 15.7742% | 800 |
| Retained earnings to average equity (ytd only) | 15.7742% | 236 |
| Net charge-offs to loans | 0.1296% | 3,891 |
| Credit loss provision to net charge-offs | 87.2093% | 3,126 |
| Earnings coverage of net charge-offs (x) | 29.7151% | 1,080 |
| Efficiency ratio | 43.4561% | 6,970 |
| Assets per employee ($millions) | 7.0363% | 713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4440% | 4,270 |
| Loan loss allowance to noncurrent loans | 200.2064% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.4649% | 5,607 |
| Noncurrent loans to loans | 0.7213% | 5,067 |
| Net loans and leases to total assets | 47.0455% | 5,720 |
| Net loans and leases to deposits | 53.1038% | 5,948 |
| Net loans and leases to core deposits | 53.6744% | 6,119 |
| Total domestic deposits to total assets | 88.5916% | 1,760 |
| Equity capital to assets | 9.0531% | 5,645 |
| Core capital (leverage) ratio | 8.9125% | 5,028 |
| Tier 1 risk-based capital ratio | 13.1800% | 5,053 |
| Total risk-based capital ratio | 14.2178% | 5,180 |
| Memoranda: | ||
| Average total assets | $546,395,330 | 1,241 |
| Average earning assets | $526,347,330 | 1,164 |
| Average equity | $48,928,000 | 1,446 |
| Average total loans | $265,370,330 | 1,572 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1631% | 5,235 |
| Cost of funding earning assets | 1.1125% | 1,335 |
| Net interest margin | 3.0506% | 6,181 |
| Noninterest income to average assets | 0.4393% | 4,381 |
| Noninterest expense to average assets | 1.5148% | 7,049 |
| Loan and lease loss provision to assets | 0.1115% | 3,962 |
| Net operating income to assets | 1.3625% | 1,292 |
| Return on assets (ROA) | 1.3625% | 1,452 |
| Pretax return on assets | 1.7460% | 1,206 |
| Return on Equity (ROE) | 15.3031% | 920 |
| Retained earnings to average equity (ytd only) | 15.3031% | 428 |
| Net charge-offs to loans | 0.0076% | 4,625 |
| Credit loss provision to net charge-offs | 3,000.0000% | 94 |
| Earnings coverage of net charge-offs (x) | 499.8000% | 50 |
| Efficiency ratio | 44.9196% | 6,955 |
| Assets per employee ($millions) | 6.9640% | 767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5546% | 3,917 |
| Loan loss allowance to noncurrent loans | 217.3469% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.4762% | 5,670 |
| Noncurrent loans to loans | 0.7153% | 5,233 |
| Net loans and leases to total assets | 46.5832% | 5,721 |
| Net loans and leases to deposits | 52.1476% | 5,955 |
| Net loans and leases to core deposits | 52.8073% | 6,140 |
| Total domestic deposits to total assets | 89.3296% | 1,466 |
| Equity capital to assets | 8.8711% | 5,670 |
| Core capital (leverage) ratio | 8.8381% | 5,086 |
| Tier 1 risk-based capital ratio | 13.0079% | 5,213 |
| Total risk-based capital ratio | 14.1221% | 5,286 |
| Memoranda: | ||
| Average total assets | $538,143,000 | 1,259 |
| Average earning assets | $517,406,500 | 1,182 |
| Average equity | $47,912,000 | 1,462 |
| Average total loans | $263,706,000 | 1,588 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5726% | 4,780 |
| Cost of funding earning assets | 1.3705% | 1,164 |
| Net interest margin | 3.2021% | 6,090 |
| Noninterest income to average assets | 0.5079% | 3,791 |
| Noninterest expense to average assets | 1.6392% | 7,090 |
| Loan and lease loss provision to assets | 0.1529% | 4,711 |
| Net operating income to assets | 1.3587% | 1,120 |
| Return on assets (ROA) | 1.3505% | 1,232 |
| Pretax return on assets | 1.7879% | 823 |
| Return on Equity (ROE) | 15.1964% | 713 |
| Retained earnings to average equity (ytd only) | 14.2786% | 160 |
| Net charge-offs to loans | 0.2720% | 4,069 |
| Credit loss provision to net charge-offs | 109.1703% | 3,075 |
| Earnings coverage of net charge-offs (x) | 13.9316% | 1,502 |
| Efficiency ratio | 45.6502% | 7,067 |
| Assets per employee ($millions) | 6.6599% | 876 |
| Cash dividends to net income (ytd only)* | 6.0396% | 3,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4610% | 4,187 |
| Loan loss allowance to noncurrent loans | 100.0513% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 0.9072% | 4,798 |
| Noncurrent loans to loans | 1.4602% | 3,971 |
| Net loans and leases to total assets | 50.0223% | 5,577 |
| Net loans and leases to deposits | 56.3251% | 5,860 |
| Net loans and leases to core deposits | 56.9432% | 6,085 |
| Total domestic deposits to total assets | 88.8100% | 1,655 |
| Equity capital to assets | 8.9367% | 5,624 |
| Core capital (leverage) ratio | 8.8700% | 4,992 |
| Tier 1 risk-based capital ratio | 12.6379% | 5,342 |
| Total risk-based capital ratio | 13.7237% | 5,455 |
| Memoranda: | ||
| Average total assets | $490,418,200 | 1,362 |
| Average earning assets | $472,158,000 | 1,296 |
| Average equity | $43,582,800 | 1,552 |
| Average total loans | $252,539,400 | 1,660 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6101% | 4,832 |
| Cost of funding earning assets | 1.4208% | 1,148 |
| Net interest margin | 3.1893% | 6,185 |
| Noninterest income to average assets | 0.4710% | 4,118 |
| Noninterest expense to average assets | 1.6731% | 7,118 |
| Loan and lease loss provision to assets | 0.0415% | 5,916 |
| Net operating income to assets | 1.3729% | 1,215 |
| Return on assets (ROA) | 1.3552% | 1,337 |
| Pretax return on assets | 1.8091% | 945 |
| Return on Equity (ROE) | 15.2729% | 793 |
| Retained earnings to average equity (ytd only) | 15.2729% | 214 |
| Net charge-offs to loans | 0.0402% | 5,591 |
| Credit loss provision to net charge-offs | 200.0000% | 1,454 |
| Earnings coverage of net charge-offs (x) | 90.2377% | 396 |
| Efficiency ratio | 47.1663% | 7,008 |
| Assets per employee ($millions) | 6.4128% | 988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5210% | 3,999 |
| Loan loss allowance to noncurrent loans | 184.2750% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.5574% | 5,715 |
| Noncurrent loans to loans | 0.8254% | 5,219 |
| Net loans and leases to total assets | 50.0204% | 5,702 |
| Net loans and leases to deposits | 56.6552% | 5,964 |
| Net loans and leases to core deposits | 57.1788% | 6,210 |
| Total domestic deposits to total assets | 88.2892% | 1,880 |
| Equity capital to assets | 8.9974% | 5,762 |
| Core capital (leverage) ratio | 8.9005% | 5,101 |
| Tier 1 risk-based capital ratio | 13.0365% | 5,071 |
| Total risk-based capital ratio | 14.1939% | 5,111 |
| Memoranda: | ||
| Average total assets | $481,490,000 | 1,389 |
| Average earning assets | $464,422,250 | 1,321 |
| Average equity | $42,723,750 | 1,578 |
| Average total loans | $248,903,000 | 1,695 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5781% | 5,059 |
| Cost of funding earning assets | 1.4546% | 1,181 |
| Net interest margin | 3.1235% | 6,360 |
| Noninterest income to average assets | 0.4735% | 4,076 |
| Noninterest expense to average assets | 1.7239% | 7,156 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3003% | 1,317 |
| Return on assets (ROA) | 1.3329% | 1,309 |
| Pretax return on assets | 1.8080% | 867 |
| Return on Equity (ROE) | 15.0966% | 789 |
| Retained earnings to average equity (ytd only) | 15.0966% | 243 |
| Net charge-offs to loans | 0.0455% | 5,213 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 74.5179% | 460 |
| Efficiency ratio | 49.4243% | 6,974 |
| Assets per employee ($millions) | 6.2121% | 1,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5421% | 3,930 |
| Loan loss allowance to noncurrent loans | 180.1429% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 0.5779% | 5,770 |
| Noncurrent loans to loans | 0.8560% | 5,235 |
| Net loans and leases to total assets | 49.8469% | 5,841 |
| Net loans and leases to deposits | 56.2052% | 6,117 |
| Net loans and leases to core deposits | 56.6644% | 6,370 |
| Total domestic deposits to total assets | 88.6873% | 1,727 |
| Equity capital to assets | 9.0751% | 5,474 |
| Core capital (leverage) ratio | 8.9138% | 4,856 |
| Tier 1 risk-based capital ratio | 13.2660% | 4,716 |
| Total risk-based capital ratio | 14.4512% | 4,748 |
| Memoranda: | ||
| Average total assets | $473,116,330 | 1,419 |
| Average earning assets | $456,607,330 | 1,345 |
| Average equity | $41,771,000 | 1,603 |
| Average total loans | $246,096,330 | 1,731 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4254% | 5,599 |
| Cost of funding earning assets | 1.4530% | 1,373 |
| Net interest margin | 2.9724% | 6,625 |
| Noninterest income to average assets | 0.4750% | 4,085 |
| Noninterest expense to average assets | 1.8109% | 7,122 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1048% | 1,828 |
| Return on assets (ROA) | 1.1048% | 1,876 |
| Pretax return on assets | 1.5319% | 1,355 |
| Return on Equity (ROE) | 12.6973% | 1,271 |
| Retained earnings to average equity (ytd only) | 12.6973% | 636 |
| Net charge-offs to loans | 0.0536% | 4,403 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 54.2424% | 543 |
| Efficiency ratio | 54.1731% | 6,680 |
| Assets per employee ($millions) | 5.9698% | 1,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5740% | 3,852 |
| Loan loss allowance to noncurrent loans | 165.4783% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.4877% | 6,009 |
| Noncurrent loans to loans | 0.9512% | 5,132 |
| Net loans and leases to total assets | 50.4654% | 5,787 |
| Net loans and leases to deposits | 56.7103% | 6,063 |
| Net loans and leases to core deposits | 57.1235% | 6,334 |
| Total domestic deposits to total assets | 88.9881% | 1,780 |
| Equity capital to assets | 8.7374% | 5,598 |
| Core capital (leverage) ratio | 8.7052% | 5,080 |
| Tier 1 risk-based capital ratio | 12.8056% | 4,973 |
| Total risk-based capital ratio | 14.0095% | 4,987 |
| Memoranda: | ||
| Average total assets | $467,401,500 | 1,447 |
| Average earning assets | $450,942,500 | 1,375 |
| Average equity | $40,670,000 | 1,640 |
| Average total loans | $246,487,500 | 1,748 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9936% | 4,593 |
| Cost of funding earning assets | 1.6098% | 2,012 |
| Net interest margin | 3.3838% | 5,691 |
| Noninterest income to average assets | 0.5121% | 4,076 |
| Noninterest expense to average assets | 1.8049% | 7,259 |
| Loan and lease loss provision to assets | 0.3429% | 4,089 |
| Net operating income to assets | 1.2531% | 1,286 |
| Return on assets (ROA) | 1.2612% | 1,332 |
| Pretax return on assets | 1.6262% | 1,077 |
| Return on Equity (ROE) | 14.3416% | 823 |
| Retained earnings to average equity (ytd only) | 12.2840% | 251 |
| Net charge-offs to loans | 0.3264% | 4,379 |
| Credit loss provision to net charge-offs | 192.8753% | 1,654 |
| Earnings coverage of net charge-offs (x) | 11.0178% | 1,646 |
| Efficiency ratio | 47.9567% | 7,267 |
| Assets per employee ($millions) | 6.0154% | 1,203 |
| Cash dividends to net income (ytd only)* | 14.3472% | 3,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5285% | 3,866 |
| Loan loss allowance to noncurrent loans | 141.0878% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 0.5875% | 5,849 |
| Noncurrent loans to loans | 1.0834% | 4,924 |
| Net loans and leases to total assets | 53.3968% | 5,715 |
| Net loans and leases to deposits | 61.6481% | 5,880 |
| Net loans and leases to core deposits | 62.1563% | 6,224 |
| Total domestic deposits to total assets | 86.6155% | 3,023 |
| Equity capital to assets | 8.6646% | 5,635 |
| Core capital (leverage) ratio | 8.6855% | 5,048 |
| Tier 1 risk-based capital ratio | 12.5719% | 4,959 |
| Total risk-based capital ratio | 13.8034% | 4,963 |
| Memoranda: | ||
| Average total assets | $442,124,000 | 1,505 |
| Average earning assets | $424,841,800 | 1,426 |
| Average equity | $38,879,800 | 1,697 |
| Average total loans | $240,796,000 | 1,811 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0255% | 4,693 |
| Cost of funding earning assets | 1.6520% | 2,094 |
| Net interest margin | 3.3736% | 5,773 |
| Noninterest income to average assets | 0.4764% | 4,363 |
| Noninterest expense to average assets | 1.7552% | 7,387 |
| Loan and lease loss provision to assets | 0.1068% | 5,968 |
| Net operating income to assets | 1.4051% | 1,092 |
| Return on assets (ROA) | 1.4106% | 1,157 |
| Pretax return on assets | 1.8608% | 828 |
| Return on Equity (ROE) | 15.9789% | 705 |
| Retained earnings to average equity (ytd only) | 15.9789% | 166 |
| Net charge-offs to loans | 0.0504% | 6,019 |
| Credit loss provision to net charge-offs | 388.8889% | 791 |
| Earnings coverage of net charge-offs (x) | 71.3649% | 419 |
| Efficiency ratio | 47.2400% | 7,311 |
| Assets per employee ($millions) | 5.9042% | 1,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3708% | 4,619 |
| Loan loss allowance to noncurrent loans | 112.3749% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 0.6770% | 5,761 |
| Noncurrent loans to loans | 1.2199% | 4,809 |
| Net loans and leases to total assets | 54.7401% | 5,736 |
| Net loans and leases to deposits | 63.7986% | 5,939 |
| Net loans and leases to core deposits | 64.3524% | 6,268 |
| Total domestic deposits to total assets | 85.8015% | 3,187 |
| Equity capital to assets | 9.3026% | 5,135 |
| Core capital (leverage) ratio | 8.7847% | 5,039 |
| Tier 1 risk-based capital ratio | 12.8641% | 4,679 |
| Total risk-based capital ratio | 13.9743% | 4,775 |
| Memoranda: | ||
| Average total assets | $436,858,750 | 1,550 |
| Average earning assets | $419,446,500 | 1,464 |
| Average equity | $38,566,500 | 1,727 |
| Average total loans | $238,203,750 | 1,861 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0305% | 4,803 |
| Cost of funding earning assets | 1.6632% | 2,319 |
| Net interest margin | 3.3672% | 5,767 |
| Noninterest income to average assets | 0.4585% | 4,448 |
| Noninterest expense to average assets | 1.7380% | 7,470 |
| Loan and lease loss provision to assets | 0.0460% | 6,512 |
| Net operating income to assets | 1.4354% | 1,021 |
| Return on assets (ROA) | 1.4354% | 1,093 |
| Pretax return on assets | 1.9054% | 727 |
| Return on Equity (ROE) | 16.5610% | 622 |
| Retained earnings to average equity (ytd only) | 16.5610% | 171 |
| Net charge-offs to loans | 0.0195% | 6,070 |
| Credit loss provision to net charge-offs | 434.7826% | 832 |
| Earnings coverage of net charge-offs (x) | 184.4783% | 186 |
| Efficiency ratio | 47.1080% | 7,390 |
| Assets per employee ($millions) | 6.0404% | 1,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3374% | 4,742 |
| Loan loss allowance to noncurrent loans | 168.0380% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.4242% | 6,389 |
| Noncurrent loans to loans | 0.7959% | 5,684 |
| Net loans and leases to total assets | 52.5806% | 6,152 |
| Net loans and leases to deposits | 61.0424% | 6,301 |
| Net loans and leases to core deposits | 61.4966% | 6,594 |
| Total domestic deposits to total assets | 86.1379% | 3,011 |
| Equity capital to assets | 8.6767% | 5,913 |
| Core capital (leverage) ratio | 8.5277% | 5,362 |
| Tier 1 risk-based capital ratio | 12.7679% | 4,634 |
| Total risk-based capital ratio | 13.8515% | 4,737 |
| Memoranda: | ||
| Average total assets | $434,873,670 | 1,569 |
| Average earning assets | $417,257,670 | 1,485 |
| Average equity | $37,691,000 | 1,765 |
| Average total loans | $235,683,000 | 1,902 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0138% | 4,954 |
| Cost of funding earning assets | 1.6911% | 2,435 |
| Net interest margin | 3.3227% | 5,894 |
| Noninterest income to average assets | 0.4356% | 4,600 |
| Noninterest expense to average assets | 1.7844% | 7,483 |
| Loan and lease loss provision to assets | 0.0466% | 6,198 |
| Net operating income to assets | 1.3423% | 1,199 |
| Return on assets (ROA) | 1.3423% | 1,271 |
| Pretax return on assets | 1.7863% | 901 |
| Return on Equity (ROE) | 15.4962% | 801 |
| Retained earnings to average equity (ytd only) | 15.4962% | 375 |
| Net charge-offs to loans | 0.0051% | 5,543 |
| Credit loss provision to net charge-offs | 1,666.6667% | 299 |
| Earnings coverage of net charge-offs (x) | 655.0000% | 35 |
| Efficiency ratio | 49.3296% | 7,357 |
| Assets per employee ($millions) | 5.7511% | 1,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3515% | 4,672 |
| Loan loss allowance to noncurrent loans | 172.2707% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 0.4191% | 6,417 |
| Noncurrent loans to loans | 0.7845% | 5,751 |
| Net loans and leases to total assets | 52.7037% | 6,196 |
| Net loans and leases to deposits | 60.4861% | 6,419 |
| Net loans and leases to core deposits | 60.8597% | 6,679 |
| Total domestic deposits to total assets | 87.1336% | 2,559 |
| Equity capital to assets | 8.6942% | 5,742 |
| Core capital (leverage) ratio | 8.5961% | 5,208 |
| Tier 1 risk-based capital ratio | 12.3869% | 4,842 |
| Total risk-based capital ratio | 13.4772% | 4,940 |
| Memoranda: | ||
| Average total assets | $428,816,500 | 1,625 |
| Average earning assets | $410,625,500 | 1,542 |
| Average equity | $37,144,500 | 1,812 |
| Average total loans | $234,417,000 | 1,963 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2915% | 5,219 |
| Cost of funding earning assets | 2.1888% | 2,082 |
| Net interest margin | 3.1027% | 6,359 |
| Noninterest income to average assets | 0.6326% | 3,412 |
| Noninterest expense to average assets | 2.0407% | 7,296 |
| Loan and lease loss provision to assets | 0.3351% | 4,795 |
| Net operating income to assets | 0.9630% | 1,974 |
| Return on assets (ROA) | 0.9408% | 2,101 |
| Pretax return on assets | 1.2062% | 1,934 |
| Return on Equity (ROE) | 10.8856% | 1,457 |
| Retained earnings to average equity (ytd only) | 10.8856% | 291 |
| Net charge-offs to loans | 0.6665% | 3,185 |
| Credit loss provision to net charge-offs | 87.7133% | 6,078 |
| Earnings coverage of net charge-offs (x) | 4.1092% | 3,060 |
| Efficiency ratio | 56.5217% | 6,952 |
| Assets per employee ($millions) | 5.4617% | 1,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3212% | 4,640 |
| Loan loss allowance to noncurrent loans | 173.4933% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.4261% | 6,401 |
| Noncurrent loans to loans | 0.7615% | 5,743 |
| Net loans and leases to total assets | 55.2158% | 6,058 |
| Net loans and leases to deposits | 63.3365% | 6,336 |
| Net loans and leases to core deposits | 69.0698% | 6,826 |
| Total domestic deposits to total assets | 87.1785% | 2,399 |
| Equity capital to assets | 8.6287% | 5,694 |
| Core capital (leverage) ratio | 8.5345% | 5,228 |
| Tier 1 risk-based capital ratio | 12.1563% | 4,813 |
| Total risk-based capital ratio | 13.2028% | 4,938 |
| Memoranda: | ||
| Average total assets | $383,504,600 | 1,784 |
| Average earning assets | $368,061,600 | 1,713 |
| Average equity | $33,144,800 | 2,023 |
| Average total loans | $219,812,800 | 2,109 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3345% | 5,250 |
| Cost of funding earning assets | 2.2911% | 2,015 |
| Net interest margin | 3.0433% | 6,486 |
| Noninterest income to average assets | 0.6138% | 3,595 |
| Noninterest expense to average assets | 2.1045% | 7,186 |
| Loan and lease loss provision to assets | 0.0178% | 7,168 |
| Net operating income to assets | 1.0805% | 1,795 |
| Return on assets (ROA) | 1.0510% | 1,960 |
| Pretax return on assets | 1.3759% | 1,756 |
| Return on Equity (ROE) | 12.1550% | 1,318 |
| Retained earnings to average equity (ytd only) | 12.1550% | 330 |
| Net charge-offs to loans | 0.1970% | 4,834 |
| Credit loss provision to net charge-offs | 15.6740% | 6,596 |
| Earnings coverage of net charge-offs (x) | 12.6051% | 1,745 |
| Efficiency ratio | 59.4984% | 6,479 |
| Assets per employee ($millions) | 5.0084% | 2,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3447% | 4,240 |
| Loan loss allowance to noncurrent loans | 97.3565% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 0.7940% | 5,528 |
| Noncurrent loans to loans | 1.3812% | 4,606 |
| Net loans and leases to total assets | 56.7175% | 6,065 |
| Net loans and leases to deposits | 64.6695% | 6,431 |
| Net loans and leases to core deposits | 70.9860% | 6,911 |
| Total domestic deposits to total assets | 87.7036% | 1,800 |
| Equity capital to assets | 9.2510% | 5,089 |
| Core capital (leverage) ratio | 8.8329% | 4,925 |
| Tier 1 risk-based capital ratio | 12.8029% | 4,323 |
| Total risk-based capital ratio | 13.9483% | 4,345 |
| Memoranda: | ||
| Average total assets | $374,243,250 | 1,840 |
| Average earning assets | $359,465,000 | 1,754 |
| Average equity | $32,359,000 | 2,084 |
| Average total loans | $215,936,250 | 2,166 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3884% | 5,212 |
| Cost of funding earning assets | 2.3751% | 2,060 |
| Net interest margin | 3.0133% | 6,515 |
| Noninterest income to average assets | 0.5955% | 3,736 |
| Noninterest expense to average assets | 2.1368% | 7,199 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.0428% | 1,963 |
| Return on assets (ROA) | 0.9968% | 2,215 |
| Pretax return on assets | 1.2902% | 2,050 |
| Return on Equity (ROE) | 11.8204% | 1,476 |
| Retained earnings to average equity (ytd only) | 11.8204% | 472 |
| Net charge-offs to loans | 0.3023% | 3,675 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 7.7298% | 2,399 |
| Efficiency ratio | 61.2848% | 6,352 |
| Assets per employee ($millions) | 4.9436% | 2,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3716% | 3,876 |
| Loan loss allowance to noncurrent loans | 360.0728% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.2165% | 6,966 |
| Noncurrent loans to loans | 0.3809% | 6,557 |
| Net loans and leases to total assets | 56.0471% | 6,199 |
| Net loans and leases to deposits | 62.8375% | 6,667 |
| Net loans and leases to core deposits | 69.2869% | 7,060 |
| Total domestic deposits to total assets | 89.1938% | 1,171 |
| Equity capital to assets | 8.6678% | 5,798 |
| Core capital (leverage) ratio | 8.6879% | 5,111 |
| Tier 1 risk-based capital ratio | 13.2336% | 3,978 |
| Total risk-based capital ratio | 14.4363% | 3,929 |
| Memoranda: | ||
| Average total assets | $368,771,330 | 1,882 |
| Average earning assets | $353,834,000 | 1,798 |
| Average equity | $31,098,670 | 2,178 |
| Average total loans | $213,051,000 | 2,221 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4642% | 5,099 |
| Cost of funding earning assets | 2.4666% | 2,044 |
| Net interest margin | 2.9975% | 6,482 |
| Noninterest income to average assets | 0.6119% | 3,464 |
| Noninterest expense to average assets | 2.0219% | 7,301 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1075% | 1,940 |
| Return on assets (ROA) | 1.0154% | 2,386 |
| Pretax return on assets | 1.3384% | 2,156 |
| Return on Equity (ROE) | 12.2187% | 1,594 |
| Retained earnings to average equity (ytd only) | 12.2187% | 752 |
| Net charge-offs to loans | 0.5411% | 2,100 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 4.6294% | 2,842 |
| Efficiency ratio | 58.0747% | 6,693 |
| Assets per employee ($millions) | 4.7611% | 2,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4439% | 3,263 |
| Loan loss allowance to noncurrent loans | 262.2707% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 0.3083% | 6,598 |
| Noncurrent loans to loans | 0.5505% | 6,038 |
| Net loans and leases to total assets | 55.1956% | 6,337 |
| Net loans and leases to deposits | 61.3623% | 6,779 |
| Net loans and leases to core deposits | 67.7842% | 7,147 |
| Total domestic deposits to total assets | 89.9503% | 825 |
| Equity capital to assets | 8.3288% | 6,347 |
| Core capital (leverage) ratio | 8.7483% | 5,064 |
| Tier 1 risk-based capital ratio | 13.3424% | 3,967 |
| Total risk-based capital ratio | 14.5926% | 3,881 |
| Memoranda: | ||
| Average total assets | $362,827,000 | 1,914 |
| Average earning assets | $347,355,000 | 1,843 |
| Average equity | $30,150,500 | 2,262 |
| Average total loans | $211,418,500 | 2,256 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3024% | 3,950 |
| Cost of funding earning assets | 3.1270% | 1,430 |
| Net interest margin | 3.1754% | 6,446 |
| Noninterest income to average assets | 0.6802% | 3,247 |
| Noninterest expense to average assets | 2.0344% | 7,380 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.1785% | 1,844 |
| Return on assets (ROA) | 1.1273% | 1,957 |
| Pretax return on assets | 1.5871% | 1,424 |
| Return on Equity (ROE) | 13.4956% | 1,217 |
| Retained earnings to average equity (ytd only) | 10.7329% | 361 |
| Net charge-offs to loans | -0.1305% | 8,121 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0800% | 7,142 |
| Assets per employee ($millions) | 4.5422% | 2,550 |
| Cash dividends to net income (ytd only)* | 20.4708% | 4,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5308% | 2,537 |
| Loan loss allowance to noncurrent loans | 664.4444% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.1397% | 7,024 |
| Noncurrent loans to loans | 0.2304% | 6,694 |
| Net loans and leases to total assets | 59.7162% | 5,954 |
| Net loans and leases to deposits | 66.6676% | 6,598 |
| Net loans and leases to core deposits | 73.4219% | 6,999 |
| Total domestic deposits to total assets | 89.5730% | 818 |
| Equity capital to assets | 8.2901% | 6,436 |
| Core capital (leverage) ratio | 8.6346% | 5,314 |
| Tier 1 risk-based capital ratio | 12.8533% | 4,189 |
| Total risk-based capital ratio | 14.1049% | 4,113 |
| Memoranda: | ||
| Average total assets | $346,680,000 | 1,918 |
| Average earning assets | $329,000,800 | 1,857 |
| Average equity | $28,957,600 | 2,338 |
| Average total loans | $207,585,600 | 2,226 |