Home > First Vision Bank of Tennessee > Performance and Condition Ratios
First Vision Bank of Tennessee, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6962% | 1,669 |
| Cost of funding earning assets | 2.7316% | 562 |
| Net interest margin | 2.9645% | 3,465 |
| Noninterest income to average assets | 0.3400% | 2,607 |
| Noninterest expense to average assets | 2.1865% | 3,140 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.7943% | 2,855 |
| Return on assets (ROA) | 0.7943% | 2,855 |
| Pretax return on assets | 0.9468% | 2,855 |
| Return on Equity (ROE) | 7.9800% | 2,864 |
| Retained earnings to average equity (ytd only) | 6.2801% | 2,193 |
| Net charge-offs to loans | -0.0123% | 3,972 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 69.7461% | 1,847 |
| Assets per employee ($millions) | 7.1746% | 2,096 |
| Cash dividends to net income (ytd only)* | 21.3220% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2406% | 1,973 |
| Loan loss allowance to noncurrent loans | 52.7215% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 1.4813% | 416 |
| Noncurrent loans to loans | 2.3530% | 334 |
| Net loans and leases to total assets | 62.1700% | 2,680 |
| Net loans and leases to deposits | 70.2370% | 2,851 |
| Net loans and leases to core deposits | 90.3444% | 2,027 |
| Total domestic deposits to total assets | 88.5200% | 1,368 |
| Equity capital to assets | 10.1976% | 2,102 |
| Core capital (leverage) ratio | 10.5978% | 2,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0877% | 753 |
| Memoranda: | ||
| Average total assets | $472,344,000 | 1,851 |
| Average earning assets | $444,861,500 | 1,831 |
| Average equity | $47,005,500 | 1,842 |
| Average total loans | $293,752,500 | 1,905 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2811% | 933 |
| Cost of funding earning assets | 3.0319% | 468 |
| Net interest margin | 3.2492% | 2,619 |
| Noninterest income to average assets | 0.3000% | 3,060 |
| Noninterest expense to average assets | 2.2114% | 3,095 |
| Loan and lease loss provision to assets | -0.1400% | 4,396 |
| Net operating income to assets | 1.0357% | 1,941 |
| Return on assets (ROA) | 0.9731% | 2,140 |
| Pretax return on assets | 1.2101% | 1,968 |
| Return on Equity (ROE) | 10.3200% | 2,056 |
| Retained earnings to average equity (ytd only) | 7.2278% | 1,356 |
| Net charge-offs to loans | 0.0484% | 1,663 |
| Credit loss provision to net charge-offs | -130.8176% | 4,370 |
| Earnings coverage of net charge-offs (x) | 34.0881% | 1,449 |
| Efficiency ratio | 65.8647% | 2,506 |
| Assets per employee ($millions) | 7.4741% | 1,855 |
| Cash dividends to net income (ytd only)* | 29.9435% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2353% | 1,990 |
| Loan loss allowance to noncurrent loans | 65.0600% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 1.2991% | 478 |
| Noncurrent loans to loans | 1.8988% | 432 |
| Net loans and leases to total assets | 60.6900% | 2,867 |
| Net loans and leases to deposits | 70.6752% | 2,903 |
| Net loans and leases to core deposits | 90.5364% | 2,079 |
| Total domestic deposits to total assets | 85.8700% | 2,259 |
| Equity capital to assets | 9.7117% | 2,299 |
| Core capital (leverage) ratio | 10.3230% | 2,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5247% | 819 |
| Memoranda: | ||
| Average total assets | $472,921,600 | 1,828 |
| Average earning assets | $444,908,400 | 1,807 |
| Average equity | $44,605,600 | 1,849 |
| Average total loans | $328,332,400 | 1,758 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3563% | 830 |
| Cost of funding earning assets | 2.9635% | 540 |
| Net interest margin | 3.3928% | 2,241 |
| Noninterest income to average assets | 0.3100% | 2,981 |
| Noninterest expense to average assets | 2.1579% | 3,190 |
| Loan and lease loss provision to assets | 0.1700% | 713 |
| Net operating income to assets | 0.9268% | 2,294 |
| Return on assets (ROA) | 0.9268% | 2,300 |
| Pretax return on assets | 1.1680% | 2,067 |
| Return on Equity (ROE) | 9.9000% | 2,229 |
| Retained earnings to average equity (ytd only) | 7.3214% | 1,626 |
| Net charge-offs to loans | 0.0079% | 2,370 |
| Credit loss provision to net charge-offs | 3,080.0000% | 165 |
| Earnings coverage of net charge-offs (x) | 237.3500% | 462 |
| Efficiency ratio | 61.6528% | 2,981 |
| Assets per employee ($millions) | 7.4575% | 1,836 |
| Cash dividends to net income (ytd only)* | 26.0525% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4709% | 1,129 |
| Loan loss allowance to noncurrent loans | 59.8307% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 1.7979% | 244 |
| Noncurrent loans to loans | 2.4585% | 291 |
| Net loans and leases to total assets | 66.5700% | 2,260 |
| Net loans and leases to deposits | 80.0237% | 2,179 |
| Net loans and leases to core deposits | 97.8438% | 1,634 |
| Total domestic deposits to total assets | 83.1900% | 2,792 |
| Equity capital to assets | 9.9313% | 2,343 |
| Core capital (leverage) ratio | 10.1979% | 2,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2743% | 1,045 |
| Memoranda: | ||
| Average total assets | $471,566,500 | 1,831 |
| Average earning assets | $443,875,250 | 1,811 |
| Average equity | $44,143,250 | 1,861 |
| Average total loans | $336,934,000 | 1,725 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3927% | 717 |
| Cost of funding earning assets | 2.9348% | 517 |
| Net interest margin | 3.4579% | 2,055 |
| Noninterest income to average assets | 0.3100% | 2,924 |
| Noninterest expense to average assets | 2.1322% | 3,248 |
| Loan and lease loss provision to assets | 0.2100% | 514 |
| Net operating income to assets | 0.9730% | 2,078 |
| Return on assets (ROA) | 0.9730% | 2,076 |
| Pretax return on assets | 1.2212% | 1,889 |
| Return on Equity (ROE) | 10.6000% | 2,009 |
| Retained earnings to average equity (ytd only) | 6.6818% | 1,753 |
| Net charge-offs to loans | 0.0087% | 2,084 |
| Credit loss provision to net charge-offs | 3,380.0000% | 149 |
| Earnings coverage of net charge-offs (x) | 227.0000% | 454 |
| Efficiency ratio | 59.7755% | 3,226 |
| Assets per employee ($millions) | 8.1706% | 1,358 |
| Cash dividends to net income (ytd only)* | 36.9857% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3776% | 1,450 |
| Loan loss allowance to noncurrent loans | 197.0162% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 0.6145% | 1,108 |
| Noncurrent loans to loans | 0.6992% | 1,327 |
| Net loans and leases to total assets | 67.8300% | 2,146 |
| Net loans and leases to deposits | 80.7326% | 2,138 |
| Net loans and leases to core deposits | 97.6807% | 1,631 |
| Total domestic deposits to total assets | 84.0200% | 2,609 |
| Equity capital to assets | 9.3380% | 2,502 |
| Core capital (leverage) ratio | 9.6782% | 3,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0859% | 1,251 |
| Memoranda: | ||
| Average total assets | $474,632,667 | 1,821 |
| Average earning assets | $446,980,000 | 1,796 |
| Average equity | $43,551,333 | 1,865 |
| Average total loans | $345,116,333 | 1,691 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2991% | 748 |
| Cost of funding earning assets | 2.8907% | 509 |
| Net interest margin | 3.4084% | 2,086 |
| Noninterest income to average assets | 0.3500% | 2,619 |
| Noninterest expense to average assets | 2.1364% | 3,226 |
| Loan and lease loss provision to assets | 0.2200% | 447 |
| Net operating income to assets | 0.9575% | 2,066 |
| Return on assets (ROA) | 0.9575% | 2,075 |
| Pretax return on assets | 1.2059% | 1,881 |
| Return on Equity (ROE) | 10.5300% | 1,969 |
| Retained earnings to average equity (ytd only) | 9.1387% | 1,289 |
| Net charge-offs to loans | 0.0023% | 2,106 |
| Credit loss provision to net charge-offs | 12,850.0000% | 28 |
| Earnings coverage of net charge-offs (x) | 844.5000% | 120 |
| Efficiency ratio | 60.0331% | 3,260 |
| Assets per employee ($millions) | 7.7595% | 1,598 |
| Cash dividends to net income (ytd only)* | 13.1926% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2227% | 2,162 |
| Loan loss allowance to noncurrent loans | 134.7592% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 0.6456% | 989 |
| Noncurrent loans to loans | 0.9073% | 961 |
| Net loans and leases to total assets | 70.2900% | 1,775 |
| Net loans and leases to deposits | 83.0685% | 1,797 |
| Net loans and leases to core deposits | 98.7586% | 1,481 |
| Total domestic deposits to total assets | 84.6100% | 2,537 |
| Equity capital to assets | 8.9241% | 2,733 |
| Core capital (leverage) ratio | 9.8527% | 2,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7273% | 1,628 |
| Memoranda: | ||
| Average total assets | $475,002,000 | 1,830 |
| Average earning assets | $447,366,500 | 1,802 |
| Average equity | $43,201,000 | 1,861 |
| Average total loans | $354,714,000 | 1,650 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2034% | 486 |
| Cost of funding earning assets | 2.1170% | 747 |
| Net interest margin | 4.0864% | 1,088 |
| Noninterest income to average assets | 0.7600% | 1,035 |
| Noninterest expense to average assets | 2.5831% | 2,062 |
| Loan and lease loss provision to assets | 0.2600% | 435 |
| Net operating income to assets | 1.3777% | 1,255 |
| Return on assets (ROA) | 1.3630% | 1,261 |
| Pretax return on assets | 1.7162% | 1,034 |
| Return on Equity (ROE) | 14.7900% | 1,327 |
| Retained earnings to average equity (ytd only) | 14.7926% | 338 |
| Net charge-offs to loans | 0.0500% | 1,366 |
| Credit loss provision to net charge-offs | 656.3953% | 554 |
| Earnings coverage of net charge-offs (x) | 49.9419% | 1,296 |
| Efficiency ratio | 56.3937% | 3,460 |
| Assets per employee ($millions) | 7.5600% | 1,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1060% | 2,799 |
| Loan loss allowance to noncurrent loans | 328.8651% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 0.2637% | 1,906 |
| Noncurrent loans to loans | 0.3363% | 1,975 |
| Net loans and leases to total assets | 77.5400% | 909 |
| Net loans and leases to deposits | 91.0363% | 1,180 |
| Net loans and leases to core deposits | 108.7052% | 1,006 |
| Total domestic deposits to total assets | 85.1800% | 2,255 |
| Equity capital to assets | 9.2760% | 2,496 |
| Core capital (leverage) ratio | 9.8983% | 2,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3279% | 1,746 |
| Memoranda: | ||
| Average total assets | $430,066,800 | 1,922 |
| Average earning assets | $401,944,000 | 1,901 |
| Average equity | $39,627,800 | 1,900 |
| Average total loans | $343,954,000 | 1,633 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0538% | 495 |
| Cost of funding earning assets | 1.8869% | 874 |
| Net interest margin | 4.1669% | 965 |
| Noninterest income to average assets | 0.7900% | 971 |
| Noninterest expense to average assets | 2.5388% | 2,114 |
| Loan and lease loss provision to assets | 0.2800% | 342 |
| Net operating income to assets | 1.5006% | 1,123 |
| Return on assets (ROA) | 1.4801% | 1,143 |
| Pretax return on assets | 1.8379% | 947 |
| Return on Equity (ROE) | 16.0900% | 1,240 |
| Retained earnings to average equity (ytd only) | 16.0928% | 451 |
| Net charge-offs to loans | 0.0605% | 1,063 |
| Credit loss provision to net charge-offs | 569.4805% | 577 |
| Earnings coverage of net charge-offs (x) | 44.0130% | 1,392 |
| Efficiency ratio | 54.2614% | 3,568 |
| Assets per employee ($millions) | 6.2732% | 2,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0440% | 3,133 |
| Loan loss allowance to noncurrent loans | 913.5922% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.0912% | 2,970 |
| Noncurrent loans to loans | 0.1143% | 3,003 |
| Net loans and leases to total assets | 78.9900% | 758 |
| Net loans and leases to deposits | 92.4264% | 1,019 |
| Net loans and leases to core deposits | 109.5463% | 886 |
| Total domestic deposits to total assets | 85.4600% | 2,361 |
| Equity capital to assets | 9.0214% | 2,402 |
| Core capital (leverage) ratio | 9.7834% | 3,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3496% | 1,771 |
| Memoranda: | ||
| Average total assets | $422,294,000 | 1,947 |
| Average earning assets | $394,142,500 | 1,928 |
| Average equity | $38,840,500 | 1,909 |
| Average total loans | $339,545,750 | 1,645 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8262% | 543 |
| Cost of funding earning assets | 1.6218% | 1,014 |
| Net interest margin | 4.2045% | 925 |
| Noninterest income to average assets | 0.9300% | 646 |
| Noninterest expense to average assets | 2.5420% | 2,089 |
| Loan and lease loss provision to assets | 0.3500% | 253 |
| Net operating income to assets | 1.5491% | 1,021 |
| Return on assets (ROA) | 1.5181% | 1,066 |
| Pretax return on assets | 1.9084% | 851 |
| Return on Equity (ROE) | 16.3900% | 1,202 |
| Retained earnings to average equity (ytd only) | 16.3905% | 435 |
| Net charge-offs to loans | 0.0006% | 2,425 |
| Credit loss provision to net charge-offs | 72,700.0000% | 7 |
| Earnings coverage of net charge-offs (x) | 4,743.0000% | 18 |
| Efficiency ratio | 52.5035% | 3,739 |
| Assets per employee ($millions) | 6.0830% | 2,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0677% | 3,102 |
| Loan loss allowance to noncurrent loans | 2,256.2874% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.0381% | 3,402 |
| Noncurrent loans to loans | 0.0473% | 3,379 |
| Net loans and leases to total assets | 79.7200% | 668 |
| Net loans and leases to deposits | 94.8523% | 793 |
| Net loans and leases to core deposits | 112.4395% | 733 |
| Total domestic deposits to total assets | 84.0500% | 2,804 |
| Equity capital to assets | 9.0538% | 2,481 |
| Core capital (leverage) ratio | 10.0016% | 2,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1067% | 1,850 |
| Memoranda: | ||
| Average total assets | $412,502,333 | 1,978 |
| Average earning assets | $384,021,000 | 1,964 |
| Average equity | $38,205,000 | 1,934 |
| Average total loans | $332,547,667 | 1,660 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5874% | 539 |
| Cost of funding earning assets | 1.3042% | 1,222 |
| Net interest margin | 4.2833% | 829 |
| Noninterest income to average assets | 0.6100% | 1,388 |
| Noninterest expense to average assets | 2.5695% | 2,050 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.5859% | 1,008 |
| Return on assets (ROA) | 1.5859% | 1,004 |
| Pretax return on assets | 1.9601% | 834 |
| Return on Equity (ROE) | 16.9200% | 1,186 |
| Retained earnings to average equity (ytd only) | 16.9152% | 601 |
| Net charge-offs to loans | 0.0012% | 2,006 |
| Credit loss provision to net charge-offs | 5,700.0000% | 86 |
| Earnings coverage of net charge-offs (x) | 2,016.0000% | 42 |
| Efficiency ratio | 56.0209% | 3,411 |
| Assets per employee ($millions) | 5.7854% | 2,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9409% | 3,748 |
| Loan loss allowance to noncurrent loans | 2,135.8621% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.0348% | 3,434 |
| Noncurrent loans to loans | 0.0441% | 3,421 |
| Net loans and leases to total assets | 78.2800% | 737 |
| Net loans and leases to deposits | 94.3966% | 771 |
| Net loans and leases to core deposits | 109.5723% | 719 |
| Total domestic deposits to total assets | 82.9200% | 3,312 |
| Equity capital to assets | 9.2155% | 2,356 |
| Core capital (leverage) ratio | 10.2677% | 2,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4242% | 1,819 |
| Memoranda: | ||
| Average total assets | $399,767,000 | 2,040 |
| Average earning assets | $371,119,500 | 2,032 |
| Average equity | $37,481,000 | 1,983 |
| Average total loans | $322,359,500 | 1,716 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3416% | 982 |
| Cost of funding earning assets | 0.3628% | 2,382 |
| Net interest margin | 3.9789% | 814 |
| Noninterest income to average assets | 1.0700% | 568 |
| Noninterest expense to average assets | 2.8692% | 1,175 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.4321% | 1,042 |
| Return on assets (ROA) | 1.3854% | 1,122 |
| Pretax return on assets | 1.7503% | 815 |
| Return on Equity (ROE) | 14.8600% | 1,295 |
| Retained earnings to average equity (ytd only) | 12.7936% | 537 |
| Net charge-offs to loans | 0.0041% | 2,302 |
| Credit loss provision to net charge-offs | 2,636.3636% | 210 |
| Earnings coverage of net charge-offs (x) | 642.1818% | 268 |
| Efficiency ratio | 60.3280% | 3,009 |
| Assets per employee ($millions) | 4.6143% | 3,960 |
| Cash dividends to net income (ytd only)* | 13.9001% | 3,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1697% | 2,532 |
| Loan loss allowance to noncurrent loans | 5,858.7302% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.0164% | 3,688 |
| Noncurrent loans to loans | 0.0200% | 3,670 |
| Net loans and leases to total assets | 81.4300% | 460 |
| Net loans and leases to deposits | 94.0129% | 781 |
| Net loans and leases to core deposits | 103.8148% | 826 |
| Total domestic deposits to total assets | 86.6200% | 2,523 |
| Equity capital to assets | 9.5499% | 1,970 |
| Core capital (leverage) ratio | 10.7514% | 1,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7752% | 1,698 |
| Memoranda: | ||
| Average total assets | $374,395,000 | 2,125 |
| Average earning assets | $346,783,200 | 2,121 |
| Average equity | $34,908,200 | 2,115 |
| Average total loans | $266,157,200 | 1,866 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0957% | 1,081 |
| Cost of funding earning assets | 0.2906% | 2,274 |
| Net interest margin | 3.8051% | 945 |
| Noninterest income to average assets | 1.1800% | 513 |
| Noninterest expense to average assets | 2.9159% | 1,025 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.2504% | 1,522 |
| Return on assets (ROA) | 1.2504% | 1,493 |
| Pretax return on assets | 1.6863% | 930 |
| Return on Equity (ROE) | 13.4900% | 1,571 |
| Retained earnings to average equity (ytd only) | 10.7077% | 1,130 |
| Net charge-offs to loans | -0.0126% | 3,807 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.9606% | 2,829 |
| Assets per employee ($millions) | 5.0907% | 3,600 |
| Cash dividends to net income (ytd only)* | 20.6531% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3164% | 1,959 |
| Loan loss allowance to noncurrent loans | 5,322.8571% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.0758% | 3,140 |
| Noncurrent loans to loans | 0.0247% | 3,726 |
| Net loans and leases to total assets | 76.2100% | 890 |
| Net loans and leases to deposits | 85.9257% | 1,176 |
| Net loans and leases to core deposits | 91.9374% | 1,184 |
| Total domestic deposits to total assets | 88.6900% | 2,219 |
| Equity capital to assets | 9.3495% | 1,981 |
| Core capital (leverage) ratio | 10.2711% | 2,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4233% | 1,594 |
| Memoranda: | ||
| Average total assets | $372,247,000 | 2,143 |
| Average earning assets | $345,002,000 | 2,145 |
| Average equity | $34,491,500 | 2,166 |
| Average total loans | $253,806,750 | 1,921 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8310% | 1,245 |
| Cost of funding earning assets | 0.2882% | 1,818 |
| Net interest margin | 3.5427% | 1,198 |
| Noninterest income to average assets | 1.2626% | 445 |
| Noninterest expense to average assets | 2.9346% | 934 |
| Loan and lease loss provision to assets | 0.0962% | 1,032 |
| Net operating income to assets | 1.1343% | 1,650 |
| Return on assets (ROA) | 1.1343% | 1,627 |
| Pretax return on assets | 1.5234% | 1,115 |
| Return on Equity (ROE) | 12.2781% | 1,593 |
| Retained earnings to average equity (ytd only) | 8.1063% | 1,577 |
| Net charge-offs to loans | -0.0156% | 3,777 |
| Credit loss provision to net charge-offs | -947.3684% | 3,527 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4366% | 2,712 |
| Assets per employee ($millions) | 4.8958% | 3,774 |
| Cash dividends to net income (ytd only)* | 33.9774% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4475% | 1,567 |
| Loan loss allowance to noncurrent loans | 1,404.6693% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.0691% | 3,284 |
| Noncurrent loans to loans | 0.1031% | 3,235 |
| Net loans and leases to total assets | 66.0559% | 1,682 |
| Net loans and leases to deposits | 74.1917% | 1,848 |
| Net loans and leases to core deposits | 79.5538% | 1,744 |
| Total domestic deposits to total assets | 89.0340% | 2,171 |
| Equity capital to assets | 9.0940% | 2,324 |
| Core capital (leverage) ratio | 9.7138% | 2,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2943% | 1,361 |
| Memoranda: | ||
| Average total assets | $374,152,000 | 2,145 |
| Average earning assets | $347,641,667 | 2,151 |
| Average equity | $34,565,667 | 2,215 |
| Average total loans | $244,057,667 | 1,972 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6848% | 1,305 |
| Cost of funding earning assets | 0.3106% | 1,548 |
| Net interest margin | 3.3742% | 1,368 |
| Noninterest income to average assets | 1.3817% | 395 |
| Noninterest expense to average assets | 2.8818% | 993 |
| Loan and lease loss provision to assets | 0.0960% | 861 |
| Net operating income to assets | 1.1482% | 1,383 |
| Return on assets (ROA) | 1.1482% | 1,381 |
| Pretax return on assets | 1.5427% | 931 |
| Return on Equity (ROE) | 12.3332% | 1,215 |
| Retained earnings to average equity (ytd only) | 12.3332% | 553 |
| Net charge-offs to loans | -0.0282% | 4,058 |
| Credit loss provision to net charge-offs | -529.4118% | 3,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7500% | 3,059 |
| Assets per employee ($millions) | 5.4964% | 3,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4424% | 1,750 |
| Loan loss allowance to noncurrent loans | 6,767.3077% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 3,926 |
| Noncurrent loans to loans | 0.0213% | 3,842 |
| Net loans and leases to total assets | 63.4022% | 1,695 |
| Net loans and leases to deposits | 71.2116% | 1,842 |
| Net loans and leases to core deposits | 76.0734% | 1,780 |
| Total domestic deposits to total assets | 89.0335% | 2,070 |
| Equity capital to assets | 9.1775% | 2,548 |
| Core capital (leverage) ratio | 9.6616% | 2,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9242% | 1,282 |
| Memoranda: | ||
| Average total assets | $375,188,500 | 2,151 |
| Average earning assets | $349,005,500 | 2,152 |
| Average equity | $34,930,000 | 2,258 |
| Average total loans | $241,391,500 | 1,981 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9740% | 1,424 |
| Cost of funding earning assets | 0.4047% | 1,516 |
| Net interest margin | 3.5693% | 1,552 |
| Noninterest income to average assets | 2.0592% | 306 |
| Noninterest expense to average assets | 3.3810% | 563 |
| Loan and lease loss provision to assets | 0.1371% | 885 |
| Net operating income to assets | 1.3706% | 1,374 |
| Return on assets (ROA) | 1.3706% | 1,423 |
| Pretax return on assets | 1.8502% | 810 |
| Return on Equity (ROE) | 14.4425% | 1,078 |
| Retained earnings to average equity (ytd only) | 11.2307% | 664 |
| Net charge-offs to loans | 0.0581% | 1,208 |
| Credit loss provision to net charge-offs | 364.3939% | 961 |
| Earnings coverage of net charge-offs (x) | 52.8030% | 1,268 |
| Efficiency ratio | 62.9807% | 2,718 |
| Assets per employee ($millions) | 5.4577% | 3,298 |
| Cash dividends to net income (ytd only)* | 22.2384% | 2,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4283% | 1,809 |
| Loan loss allowance to noncurrent loans | 85,275.0000% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 4,199 |
| Noncurrent loans to loans | 0.0017% | 4,118 |
| Net loans and leases to total assets | 63.4285% | 1,769 |
| Net loans and leases to deposits | 72.3820% | 1,876 |
| Net loans and leases to core deposits | 77.2569% | 1,824 |
| Total domestic deposits to total assets | 87.6302% | 2,231 |
| Equity capital to assets | 9.4454% | 3,188 |
| Core capital (leverage) ratio | 9.6693% | 2,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9617% | 1,528 |
| Memoranda: | ||
| Average total assets | $350,721,600 | 2,194 |
| Average earning assets | $325,164,800 | 2,208 |
| Average equity | $33,283,800 | 2,372 |
| Average total loans | $227,234,200 | 2,064 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0318% | 1,466 |
| Cost of funding earning assets | 0.4252% | 1,519 |
| Net interest margin | 3.6066% | 1,584 |
| Noninterest income to average assets | 2.1426% | 315 |
| Noninterest expense to average assets | 3.3431% | 577 |
| Loan and lease loss provision to assets | 0.1513% | 742 |
| Net operating income to assets | 1.4806% | 1,319 |
| Return on assets (ROA) | 1.4806% | 1,369 |
| Pretax return on assets | 1.9890% | 813 |
| Return on Equity (ROE) | 15.5816% | 1,025 |
| Retained earnings to average equity (ytd only) | 11.3635% | 979 |
| Net charge-offs to loans | 0.0785% | 882 |
| Credit loss provision to net charge-offs | 296.9697% | 1,014 |
| Earnings coverage of net charge-offs (x) | 42.0303% | 1,337 |
| Efficiency ratio | 60.9681% | 2,841 |
| Assets per employee ($millions) | 5.3775% | 3,321 |
| Cash dividends to net income (ytd only)* | 27.0714% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4424% | 1,841 |
| Loan loss allowance to noncurrent loans | 2,130.1282% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.0440% | 3,859 |
| Noncurrent loans to loans | 0.0677% | 3,755 |
| Net loans and leases to total assets | 63.9749% | 1,779 |
| Net loans and leases to deposits | 73.6676% | 1,894 |
| Net loans and leases to core deposits | 79.0252% | 1,820 |
| Total domestic deposits to total assets | 86.8427% | 2,413 |
| Equity capital to assets | 9.6761% | 3,219 |
| Core capital (leverage) ratio | 9.5115% | 3,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3667% | 1,524 |
| Memoranda: | ||
| Average total assets | $345,621,500 | 2,243 |
| Average earning assets | $320,148,000 | 2,254 |
| Average equity | $32,841,250 | 2,423 |
| Average total loans | $224,340,750 | 2,112 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9949% | 1,577 |
| Cost of funding earning assets | 0.4488% | 1,528 |
| Net interest margin | 3.5461% | 1,730 |
| Noninterest income to average assets | 2.2381% | 284 |
| Noninterest expense to average assets | 3.4520% | 503 |
| Loan and lease loss provision to assets | 0.1530% | 769 |
| Net operating income to assets | 1.4160% | 1,526 |
| Return on assets (ROA) | 1.4160% | 1,592 |
| Pretax return on assets | 1.9134% | 993 |
| Return on Equity (ROE) | 14.9964% | 1,157 |
| Retained earnings to average equity (ytd only) | 8.5712% | 1,866 |
| Net charge-offs to loans | 0.1133% | 679 |
| Credit loss provision to net charge-offs | 207.9365% | 1,038 |
| Earnings coverage of net charge-offs (x) | 28.0873% | 1,345 |
| Efficiency ratio | 62.5542% | 2,653 |
| Assets per employee ($millions) | 5.5067% | 3,119 |
| Cash dividends to net income (ytd only)* | 42.8454% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4170% | 1,902 |
| Loan loss allowance to noncurrent loans | 2,733.3333% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.0327% | 4,030 |
| Noncurrent loans to loans | 0.0518% | 3,918 |
| Net loans and leases to total assets | 62.1572% | 2,159 |
| Net loans and leases to deposits | 71.1875% | 2,282 |
| Net loans and leases to core deposits | 76.8298% | 2,159 |
| Total domestic deposits to total assets | 87.3148% | 2,165 |
| Equity capital to assets | 9.1880% | 3,612 |
| Core capital (leverage) ratio | 9.7877% | 2,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2977% | 1,532 |
| Memoranda: | ||
| Average total assets | $342,524,000 | 2,240 |
| Average earning assets | $316,852,000 | 2,252 |
| Average equity | $32,341,000 | 2,435 |
| Average total loans | $222,328,000 | 2,136 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1839% | 1,226 |
| Cost of funding earning assets | 0.4960% | 1,413 |
| Net interest margin | 3.6880% | 1,359 |
| Noninterest income to average assets | 2.4610% | 273 |
| Noninterest expense to average assets | 3.4347% | 508 |
| Loan and lease loss provision to assets | 0.1446% | 917 |
| Net operating income to assets | 1.6988% | 938 |
| Return on assets (ROA) | 1.6988% | 985 |
| Pretax return on assets | 2.2842% | 600 |
| Return on Equity (ROE) | 17.7373% | 755 |
| Retained earnings to average equity (ytd only) | 12.9974% | 915 |
| Net charge-offs to loans | -0.0018% | 3,120 |
| Credit loss provision to net charge-offs | -12,100.0000% | 3,813 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5778% | 3,221 |
| Assets per employee ($millions) | 5.2560% | 3,376 |
| Cash dividends to net income (ytd only)* | 26.7229% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4513% | 1,770 |
| Loan loss allowance to noncurrent loans | 2,108.6093% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.0442% | 4,059 |
| Noncurrent loans to loans | 0.0688% | 3,947 |
| Net loans and leases to total assets | 63.2835% | 2,138 |
| Net loans and leases to deposits | 73.3511% | 2,177 |
| Net loans and leases to core deposits | 79.7919% | 2,021 |
| Total domestic deposits to total assets | 86.2747% | 2,640 |
| Equity capital to assets | 9.5074% | 3,200 |
| Core capital (leverage) ratio | 9.7681% | 2,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7193% | 1,381 |
| Memoranda: | ||
| Average total assets | $334,818,000 | 2,261 |
| Average earning assets | $308,897,000 | 2,276 |
| Average equity | $32,068,000 | 2,437 |
| Average total loans | $220,651,500 | 2,147 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6223% | 1,060 |
| Cost of funding earning assets | 0.9390% | 741 |
| Net interest margin | 3.6833% | 1,858 |
| Noninterest income to average assets | 2.0602% | 317 |
| Noninterest expense to average assets | 3.3492% | 848 |
| Loan and lease loss provision to assets | 0.2345% | 1,659 |
| Net operating income to assets | 1.3935% | 1,033 |
| Return on assets (ROA) | 1.3955% | 1,121 |
| Pretax return on assets | 1.8724% | 584 |
| Return on Equity (ROE) | 14.5496% | 707 |
| Retained earnings to average equity (ytd only) | 12.5717% | 270 |
| Net charge-offs to loans | 0.0427% | 2,205 |
| Credit loss provision to net charge-offs | 760.0000% | 946 |
| Earnings coverage of net charge-offs (x) | 68.1895% | 996 |
| Efficiency ratio | 61.4129% | 3,239 |
| Assets per employee ($millions) | 5.2063% | 3,144 |
| Cash dividends to net income (ytd only)* | 13.5940% | 3,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3798% | 2,055 |
| Loan loss allowance to noncurrent loans | 916.7665% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.1018% | 3,799 |
| Noncurrent loans to loans | 0.1505% | 3,682 |
| Net loans and leases to total assets | 66.7250% | 1,991 |
| Net loans and leases to deposits | 77.5926% | 2,114 |
| Net loans and leases to core deposits | 86.4203% | 1,833 |
| Total domestic deposits to total assets | 85.9941% | 2,371 |
| Equity capital to assets | 9.6510% | 3,456 |
| Core capital (leverage) ratio | 9.5860% | 3,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5406% | 1,395 |
| Memoranda: | ||
| Average total assets | $307,838,000 | 2,256 |
| Average earning assets | $283,606,000 | 2,266 |
| Average equity | $29,526,600 | 2,498 |
| Average total loans | $222,623,200 | 2,092 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6831% | 1,098 |
| Cost of funding earning assets | 1.0372% | 670 |
| Net interest margin | 3.6459% | 2,109 |
| Noninterest income to average assets | 1.9084% | 337 |
| Noninterest expense to average assets | 3.2065% | 1,065 |
| Loan and lease loss provision to assets | 0.1849% | 2,136 |
| Net operating income to assets | 1.3979% | 1,105 |
| Return on assets (ROA) | 1.4007% | 1,197 |
| Pretax return on assets | 1.8806% | 662 |
| Return on Equity (ROE) | 14.6277% | 760 |
| Retained earnings to average equity (ytd only) | 11.9422% | 430 |
| Net charge-offs to loans | 0.0174% | 2,517 |
| Credit loss provision to net charge-offs | 1,448.2759% | 629 |
| Earnings coverage of net charge-offs (x) | 161.4828% | 573 |
| Efficiency ratio | 60.8608% | 3,243 |
| Assets per employee ($millions) | 5.5053% | 2,708 |
| Cash dividends to net income (ytd only)* | 18.3590% | 2,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2191% | 2,560 |
| Loan loss allowance to noncurrent loans | 1,922.4490% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.0445% | 4,226 |
| Noncurrent loans to loans | 0.0634% | 4,114 |
| Net loans and leases to total assets | 69.3202% | 2,058 |
| Net loans and leases to deposits | 80.1335% | 2,299 |
| Net loans and leases to core deposits | 90.8988% | 1,896 |
| Total domestic deposits to total assets | 86.5059% | 1,860 |
| Equity capital to assets | 9.2491% | 3,909 |
| Core capital (leverage) ratio | 9.5070% | 3,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1739% | 1,456 |
| Memoranda: | ||
| Average total assets | $302,798,250 | 2,266 |
| Average earning assets | $279,067,500 | 2,279 |
| Average equity | $28,994,500 | 2,531 |
| Average total loans | $222,799,500 | 2,084 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9010% | 971 |
| Cost of funding earning assets | 1.1364% | 637 |
| Net interest margin | 3.7646% | 1,939 |
| Noninterest income to average assets | 1.5966% | 407 |
| Noninterest expense to average assets | 3.1905% | 1,182 |
| Loan and lease loss provision to assets | 0.1839% | 2,183 |
| Net operating income to assets | 1.2565% | 1,474 |
| Return on assets (ROA) | 1.2608% | 1,580 |
| Pretax return on assets | 1.6913% | 1,019 |
| Return on Equity (ROE) | 13.0006% | 1,097 |
| Retained earnings to average equity (ytd only) | 8.8988% | 1,034 |
| Net charge-offs to loans | 0.0200% | 2,324 |
| Credit loss provision to net charge-offs | 1,227.2727% | 692 |
| Earnings coverage of net charge-offs (x) | 124.7727% | 607 |
| Efficiency ratio | 63.0502% | 2,947 |
| Assets per employee ($millions) | 5.0645% | 3,097 |
| Cash dividends to net income (ytd only)* | 31.5505% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1614% | 2,720 |
| Loan loss allowance to noncurrent loans | 87.4552% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 0.9774% | 1,235 |
| Noncurrent loans to loans | 1.3280% | 1,163 |
| Net loans and leases to total assets | 72.7472% | 1,586 |
| Net loans and leases to deposits | 84.4211% | 1,953 |
| Net loans and leases to core deposits | 97.5700% | 1,447 |
| Total domestic deposits to total assets | 86.1718% | 1,935 |
| Equity capital to assets | 9.3036% | 3,827 |
| Core capital (leverage) ratio | 9.3454% | 3,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4939% | 1,634 |
| Memoranda: | ||
| Average total assets | $293,626,000 | 2,286 |
| Average earning assets | $270,150,000 | 2,303 |
| Average equity | $28,475,667 | 2,550 |
| Average total loans | $219,799,000 | 2,084 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9941% | 984 |
| Cost of funding earning assets | 1.2942% | 576 |
| Net interest margin | 3.6999% | 2,318 |
| Noninterest income to average assets | 1.2165% | 594 |
| Noninterest expense to average assets | 2.9735% | 1,947 |
| Loan and lease loss provision to assets | 0.1693% | 1,736 |
| Net operating income to assets | 1.1017% | 1,836 |
| Return on assets (ROA) | 1.1106% | 1,903 |
| Pretax return on assets | 1.4860% | 1,343 |
| Return on Equity (ROE) | 11.2001% | 1,356 |
| Retained earnings to average equity (ytd only) | 11.2001% | 540 |
| Net charge-offs to loans | 0.0224% | 1,918 |
| Credit loss provision to net charge-offs | 1,000.0000% | 564 |
| Earnings coverage of net charge-offs (x) | 97.0833% | 592 |
| Efficiency ratio | 64.3949% | 3,178 |
| Assets per employee ($millions) | 4.7471% | 2,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1832% | 2,759 |
| Loan loss allowance to noncurrent loans | 77.6015% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 1.1800% | 1,063 |
| Noncurrent loans to loans | 1.5247% | 1,046 |
| Net loans and leases to total assets | 73.3424% | 1,721 |
| Net loans and leases to deposits | 86.5123% | 1,927 |
| Net loans and leases to core deposits | 101.1020% | 1,392 |
| Total domestic deposits to total assets | 84.7768% | 2,500 |
| Equity capital to assets | 9.8387% | 3,928 |
| Core capital (leverage) ratio | 10.1698% | 3,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0541% | 1,886 |
| Memoranda: | ||
| Average total assets | $283,440,500 | 2,301 |
| Average earning assets | $260,549,000 | 2,320 |
| Average equity | $28,107,000 | 2,570 |
| Average total loans | $214,144,500 | 2,087 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2892% | 837 |
| Cost of funding earning assets | 1.4343% | 497 |
| Net interest margin | 3.8549% | 2,319 |
| Noninterest income to average assets | 1.1683% | 688 |
| Noninterest expense to average assets | 3.0190% | 1,970 |
| Loan and lease loss provision to assets | 0.1518% | 1,397 |
| Net operating income to assets | 1.1559% | 2,234 |
| Return on assets (ROA) | 1.1559% | 2,328 |
| Pretax return on assets | 1.5665% | 1,601 |
| Return on Equity (ROE) | 11.6066% | 1,654 |
| Retained earnings to average equity (ytd only) | 7.5250% | 1,156 |
| Net charge-offs to loans | 0.0776% | 1,991 |
| Credit loss provision to net charge-offs | 249.0798% | 1,093 |
| Earnings coverage of net charge-offs (x) | 28.1902% | 1,636 |
| Efficiency ratio | 63.7275% | 3,112 |
| Assets per employee ($millions) | 4.4017% | 3,367 |
| Cash dividends to net income (ytd only)* | 35.1666% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1412% | 2,741 |
| Loan loss allowance to noncurrent loans | 505.1867% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.1738% | 3,784 |
| Noncurrent loans to loans | 0.2259% | 3,643 |
| Net loans and leases to total assets | 76.0639% | 1,402 |
| Net loans and leases to deposits | 90.0099% | 1,590 |
| Net loans and leases to core deposits | 106.6957% | 1,067 |
| Total domestic deposits to total assets | 84.5061% | 2,681 |
| Equity capital to assets | 9.9975% | 3,921 |
| Core capital (leverage) ratio | 10.2625% | 3,229 |
| Tier 1 risk-based capital ratio | 13.8513% | 3,340 |
| Total risk-based capital ratio | 15.1011% | 3,248 |
| Memoranda: | ||
| Average total assets | $267,403,800 | 2,347 |
| Average earning assets | $247,581,800 | 2,352 |
| Average equity | $26,631,400 | 2,581 |
| Average total loans | $209,936,200 | 2,079 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2945% | 872 |
| Cost of funding earning assets | 1.4361% | 505 |
| Net interest margin | 3.8584% | 2,408 |
| Noninterest income to average assets | 1.1480% | 692 |
| Noninterest expense to average assets | 3.0221% | 1,915 |
| Loan and lease loss provision to assets | 0.1359% | 1,413 |
| Net operating income to assets | 1.1716% | 2,300 |
| Return on assets (ROA) | 1.1716% | 2,382 |
| Pretax return on assets | 1.5677% | 1,748 |
| Return on Equity (ROE) | 11.7759% | 1,696 |
| Retained earnings to average equity (ytd only) | 8.2654% | 1,295 |
| Net charge-offs to loans | 0.0835% | 1,638 |
| Credit loss provision to net charge-offs | 206.1069% | 1,277 |
| Earnings coverage of net charge-offs (x) | 25.8400% | 1,762 |
| Efficiency ratio | 63.9510% | 3,012 |
| Assets per employee ($millions) | 4.5152% | 3,178 |
| Cash dividends to net income (ytd only)* | 29.8110% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1191% | 2,933 |
| Loan loss allowance to noncurrent loans | 117.2362% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 0.7346% | 1,869 |
| Noncurrent loans to loans | 0.9546% | 1,688 |
| Net loans and leases to total assets | 76.0882% | 1,464 |
| Net loans and leases to deposits | 90.4437% | 1,640 |
| Net loans and leases to core deposits | 105.3268% | 1,234 |
| Total domestic deposits to total assets | 84.1277% | 2,778 |
| Equity capital to assets | 10.0952% | 3,925 |
| Core capital (leverage) ratio | 10.1709% | 3,456 |
| Tier 1 risk-based capital ratio | 13.7560% | 3,447 |
| Total risk-based capital ratio | 14.9631% | 3,378 |
| Memoranda: | ||
| Average total assets | $264,927,500 | 2,377 |
| Average earning assets | $245,655,250 | 2,379 |
| Average equity | $26,358,250 | 2,616 |
| Average total loans | $209,078,500 | 2,110 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2879% | 833 |
| Cost of funding earning assets | 1.4107% | 518 |
| Net interest margin | 3.8772% | 2,318 |
| Noninterest income to average assets | 0.9021% | 1,069 |
| Noninterest expense to average assets | 2.9582% | 2,115 |
| Loan and lease loss provision to assets | 0.1164% | 1,610 |
| Net operating income to assets | 1.0680% | 2,657 |
| Return on assets (ROA) | 1.0680% | 2,717 |
| Pretax return on assets | 1.4255% | 2,126 |
| Return on Equity (ROE) | 10.7884% | 2,064 |
| Retained earnings to average equity (ytd only) | 5.9167% | 2,322 |
| Net charge-offs to loans | 0.0554% | 1,851 |
| Credit loss provision to net charge-offs | 263.7931% | 979 |
| Earnings coverage of net charge-offs (x) | 34.9483% | 1,339 |
| Efficiency ratio | 65.7370% | 2,849 |
| Assets per employee ($millions) | 4.6486% | 2,940 |
| Cash dividends to net income (ytd only)* | 45.1567% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0722% | 3,227 |
| Loan loss allowance to noncurrent loans | 778.5714% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.1090% | 4,207 |
| Noncurrent loans to loans | 0.1377% | 4,062 |
| Net loans and leases to total assets | 78.3347% | 1,159 |
| Net loans and leases to deposits | 92.6699% | 1,414 |
| Net loans and leases to core deposits | 105.2458% | 1,289 |
| Total domestic deposits to total assets | 84.5310% | 2,673 |
| Equity capital to assets | 9.8210% | 4,121 |
| Core capital (leverage) ratio | 9.7609% | 3,870 |
| Tier 1 risk-based capital ratio | 13.2062% | 3,733 |
| Total risk-based capital ratio | 14.3810% | 3,679 |
| Memoranda: | ||
| Average total assets | $262,932,670 | 2,400 |
| Average earning assets | $243,991,670 | 2,400 |
| Average equity | $26,028,000 | 2,634 |
| Average total loans | $209,283,000 | 2,117 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1443% | 1,015 |
| Cost of funding earning assets | 1.3479% | 559 |
| Net interest margin | 3.7964% | 2,539 |
| Noninterest income to average assets | 0.6533% | 1,809 |
| Noninterest expense to average assets | 2.8691% | 2,360 |
| Loan and lease loss provision to assets | 0.1171% | 1,500 |
| Net operating income to assets | 0.8798% | 3,309 |
| Return on assets (ROA) | 0.8798% | 3,360 |
| Pretax return on assets | 1.1911% | 2,840 |
| Return on Equity (ROE) | 8.8519% | 2,870 |
| Retained earnings to average equity (ytd only) | 8.8519% | 1,369 |
| Net charge-offs to loans | 0.0270% | 1,915 |
| Credit loss provision to net charge-offs | 542.8571% | 584 |
| Earnings coverage of net charge-offs (x) | 60.6429% | 909 |
| Efficiency ratio | 68.6831% | 2,543 |
| Assets per employee ($millions) | 4.8118% | 2,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0802% | 3,233 |
| Loan loss allowance to noncurrent loans | 390.8146% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 0.2141% | 3,767 |
| Noncurrent loans to loans | 0.2764% | 3,575 |
| Net loans and leases to total assets | 76.6361% | 1,374 |
| Net loans and leases to deposits | 90.8389% | 1,524 |
| Net loans and leases to core deposits | 102.2024% | 1,448 |
| Total domestic deposits to total assets | 84.3648% | 2,915 |
| Equity capital to assets | 9.7019% | 4,092 |
| Core capital (leverage) ratio | 10.1763% | 3,417 |
| Tier 1 risk-based capital ratio | 13.2279% | 3,755 |
| Total risk-based capital ratio | 14.3964% | 3,711 |
| Memoranda: | ||
| Average total assets | $259,591,000 | 2,449 |
| Average earning assets | $240,967,000 | 2,443 |
| Average equity | $25,802,500 | 2,658 |
| Average total loans | $207,178,500 | 2,158 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0724% | 902 |
| Cost of funding earning assets | 0.7904% | 1,575 |
| Net interest margin | 4.2820% | 1,198 |
| Noninterest income to average assets | 0.5065% | 2,799 |
| Noninterest expense to average assets | 2.7410% | 2,889 |
| Loan and lease loss provision to assets | 0.0832% | 2,468 |
| Net operating income to assets | 1.2120% | 2,115 |
| Return on assets (ROA) | 1.2166% | 2,095 |
| Pretax return on assets | 1.6246% | 1,397 |
| Return on Equity (ROE) | 11.1380% | 2,030 |
| Retained earnings to average equity (ytd only) | 8.2378% | 1,138 |
| Net charge-offs to loans | 0.0145% | 3,196 |
| Credit loss provision to net charge-offs | 715.3846% | 494 |
| Earnings coverage of net charge-offs (x) | 146.3077% | 576 |
| Efficiency ratio | 61.6918% | 3,587 |
| Assets per employee ($millions) | 5.6754% | 1,795 |
| Cash dividends to net income (ytd only)* | 26.0390% | 3,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0667% | 3,284 |
| Loan loss allowance to noncurrent loans | 517.2170% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.1698% | 3,968 |
| Noncurrent loans to loans | 0.2062% | 3,842 |
| Net loans and leases to total assets | 81.4528% | 740 |
| Net loans and leases to deposits | 99.0716% | 816 |
| Net loans and leases to core deposits | 114.0957% | 781 |
| Total domestic deposits to total assets | 82.2160% | 3,587 |
| Equity capital to assets | 10.1963% | 3,472 |
| Core capital (leverage) ratio | 10.9357% | 2,589 |
| Tier 1 risk-based capital ratio | 13.4224% | 3,593 |
| Total risk-based capital ratio | 14.6021% | 3,520 |
| Memoranda: | ||
| Average total assets | $223,496,400 | 2,663 |
| Average earning assets | $205,465,000 | 2,677 |
| Average equity | $24,412,000 | 2,687 |
| Average total loans | $179,903,200 | 2,336 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0290% | 884 |
| Cost of funding earning assets | 0.6745% | 2,006 |
| Net interest margin | 4.3545% | 1,000 |
| Noninterest income to average assets | 0.4874% | 2,939 |
| Noninterest expense to average assets | 2.7337% | 2,865 |
| Loan and lease loss provision to assets | 0.0731% | 2,490 |
| Net operating income to assets | 1.2363% | 2,103 |
| Return on assets (ROA) | 1.2445% | 2,073 |
| Pretax return on assets | 1.6864% | 1,310 |
| Return on Equity (ROE) | 11.1801% | 2,104 |
| Retained earnings to average equity (ytd only) | 7.5362% | 1,870 |
| Net charge-offs to loans | 0.0177% | 2,807 |
| Credit loss provision to net charge-offs | 517.3913% | 681 |
| Earnings coverage of net charge-offs (x) | 123.7225% | 641 |
| Efficiency ratio | 60.9816% | 3,663 |
| Assets per employee ($millions) | 4.9091% | 2,585 |
| Cash dividends to net income (ytd only)* | 32.5927% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1374% | 2,982 |
| Loan loss allowance to noncurrent loans | 482.7664% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.1953% | 3,967 |
| Noncurrent loans to loans | 0.2356% | 3,858 |
| Net loans and leases to total assets | 81.9495% | 726 |
| Net loans and leases to deposits | 98.1323% | 940 |
| Net loans and leases to core deposits | 110.9555% | 979 |
| Total domestic deposits to total assets | 83.5092% | 3,116 |
| Equity capital to assets | 10.9438% | 2,712 |
| Core capital (leverage) ratio | 11.4023% | 2,241 |
| Tier 1 risk-based capital ratio | 14.3261% | 3,200 |
| Total risk-based capital ratio | 15.5760% | 3,120 |
| Memoranda: | ||
| Average total assets | $216,940,750 | 2,735 |
| Average earning assets | $199,053,000 | 2,744 |
| Average equity | $24,149,500 | 2,725 |
| Average total loans | $173,480,000 | 2,410 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9852% | 852 |
| Cost of funding earning assets | 0.5814% | 2,352 |
| Net interest margin | 4.4037% | 842 |
| Noninterest income to average assets | 0.4776% | 2,989 |
| Noninterest expense to average assets | 2.6918% | 3,043 |
| Loan and lease loss provision to assets | 0.0654% | 2,591 |
| Net operating income to assets | 1.3025% | 1,767 |
| Return on assets (ROA) | 1.3151% | 1,713 |
| Pretax return on assets | 1.7712% | 1,031 |
| Return on Equity (ROE) | 11.7438% | 1,823 |
| Retained earnings to average equity (ytd only) | 6.3351% | 2,394 |
| Net charge-offs to loans | 0.0178% | 2,554 |
| Credit loss provision to net charge-offs | 466.6667% | 738 |
| Earnings coverage of net charge-offs (x) | 129.8667% | 585 |
| Efficiency ratio | 59.6520% | 3,983 |
| Assets per employee ($millions) | 4.6373% | 2,906 |
| Cash dividends to net income (ytd only)* | 46.0554% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2089% | 2,661 |
| Loan loss allowance to noncurrent loans | 549.4737% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.1781% | 4,092 |
| Noncurrent loans to loans | 0.2200% | 3,933 |
| Net loans and leases to total assets | 79.9887% | 1,025 |
| Net loans and leases to deposits | 94.8397% | 1,260 |
| Net loans and leases to core deposits | 101.2443% | 1,633 |
| Total domestic deposits to total assets | 84.3410% | 2,937 |
| Equity capital to assets | 11.3222% | 2,343 |
| Core capital (leverage) ratio | 11.3651% | 2,189 |
| Tier 1 risk-based capital ratio | 15.0898% | 2,829 |
| Total risk-based capital ratio | 16.3406% | 2,752 |
| Memoranda: | ||
| Average total assets | $213,982,000 | 2,776 |
| Average earning assets | $196,061,670 | 2,792 |
| Average equity | $23,961,670 | 2,756 |
| Average total loans | $168,911,670 | 2,471 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8699% | 930 |
| Cost of funding earning assets | 0.5477% | 2,421 |
| Net interest margin | 4.3222% | 917 |
| Noninterest income to average assets | 0.4778% | 2,956 |
| Noninterest expense to average assets | 2.5980% | 3,336 |
| Loan and lease loss provision to assets | 0.0747% | 2,271 |
| Net operating income to assets | 1.2972% | 1,650 |
| Return on assets (ROA) | 1.2972% | 1,654 |
| Pretax return on assets | 1.7526% | 994 |
| Return on Equity (ROE) | 11.6481% | 1,706 |
| Retained earnings to average equity (ytd only) | 11.6481% | 753 |
| Net charge-offs to loans | 0.0072% | 2,484 |
| Credit loss provision to net charge-offs | 1,333.3333% | 271 |
| Earnings coverage of net charge-offs (x) | 326.3333% | 203 |
| Efficiency ratio | 58.7094% | 4,266 |
| Assets per employee ($millions) | 5.0563% | 2,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2156% | 2,719 |
| Loan loss allowance to noncurrent loans | 627.2727% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.1518% | 4,322 |
| Noncurrent loans to loans | 0.1938% | 4,093 |
| Net loans and leases to total assets | 77.3724% | 1,328 |
| Net loans and leases to deposits | 88.1653% | 1,908 |
| Net loans and leases to core deposits | 107.9577% | 1,125 |
| Total domestic deposits to total assets | 87.7583% | 1,755 |
| Equity capital to assets | 11.1080% | 2,476 |
| Core capital (leverage) ratio | 11.3379% | 2,132 |
| Tier 1 risk-based capital ratio | 15.0074% | 2,859 |
| Total risk-based capital ratio | 16.2584% | 2,788 |
| Memoranda: | ||
| Average total assets | $214,315,500 | 2,798 |
| Average earning assets | $195,731,500 | 2,823 |
| Average equity | $23,866,500 | 2,786 |
| Average total loans | $167,009,500 | 2,506 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7672% | 1,038 |
| Cost of funding earning assets | 0.4654% | 2,639 |
| Net interest margin | 4.3018% | 957 |
| Noninterest income to average assets | 0.5219% | 2,867 |
| Noninterest expense to average assets | 2.7752% | 2,864 |
| Loan and lease loss provision to assets | 0.0712% | 2,780 |
| Net operating income to assets | 0.8744% | 2,839 |
| Return on assets (ROA) | 0.8750% | 2,863 |
| Pretax return on assets | 1.6115% | 1,257 |
| Return on Equity (ROE) | 7.6851% | 2,958 |
| Retained earnings to average equity (ytd only) | 4.0323% | 2,766 |
| Net charge-offs to loans | 0.0588% | 2,634 |
| Credit loss provision to net charge-offs | 159.3407% | 1,676 |
| Earnings coverage of net charge-offs (x) | 37.6374% | 1,311 |
| Efficiency ratio | 62.2673% | 3,897 |
| Assets per employee ($millions) | 4.9119% | 2,583 |
| Cash dividends to net income (ytd only)* | 47.5309% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2411% | 2,524 |
| Loan loss allowance to noncurrent loans | 580.5714% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.1657% | 4,313 |
| Noncurrent loans to loans | 0.2138% | 4,058 |
| Net loans and leases to total assets | 76.5557% | 1,501 |
| Net loans and leases to deposits | 87.2621% | 2,102 |
| Net loans and leases to core deposits | 102.8882% | 1,497 |
| Total domestic deposits to total assets | 87.7308% | 1,642 |
| Equity capital to assets | 11.1651% | 2,472 |
| Core capital (leverage) ratio | 11.4669% | 1,960 |
| Tier 1 risk-based capital ratio | 15.1456% | 2,776 |
| Total risk-based capital ratio | 16.3965% | 2,707 |
| Memoranda: | ||
| Average total assets | $203,660,600 | 2,892 |
| Average earning assets | $186,295,000 | 2,904 |
| Average equity | $23,187,600 | 2,839 |
| Average total loans | $154,700,800 | 2,605 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7245% | 1,085 |
| Cost of funding earning assets | 0.4580% | 2,633 |
| Net interest margin | 4.2664% | 1,004 |
| Noninterest income to average assets | 0.4996% | 3,029 |
| Noninterest expense to average assets | 2.7614% | 2,855 |
| Loan and lease loss provision to assets | 0.0661% | 2,750 |
| Net operating income to assets | 1.0155% | 2,491 |
| Return on assets (ROA) | 1.0163% | 2,522 |
| Pretax return on assets | 1.5879% | 1,466 |
| Return on Equity (ROE) | 8.8814% | 2,680 |
| Retained earnings to average equity (ytd only) | 4.1519% | 3,437 |
| Net charge-offs to loans | 0.0691% | 2,135 |
| Credit loss provision to net charge-offs | 126.5823% | 1,922 |
| Earnings coverage of net charge-offs (x) | 31.6584% | 1,502 |
| Efficiency ratio | 62.5599% | 3,804 |
| Assets per employee ($millions) | 4.7771% | 2,729 |
| Cash dividends to net income (ytd only)* | 53.2507% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2916% | 2,398 |
| Loan loss allowance to noncurrent loans | 462.7315% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.2103% | 4,237 |
| Noncurrent loans to loans | 0.2791% | 3,950 |
| Net loans and leases to total assets | 74.3703% | 1,861 |
| Net loans and leases to deposits | 84.8220% | 2,458 |
| Net loans and leases to core deposits | 95.8658% | 2,091 |
| Total domestic deposits to total assets | 87.6781% | 1,526 |
| Equity capital to assets | 11.4121% | 2,454 |
| Core capital (leverage) ratio | 11.2777% | 2,201 |
| Tier 1 risk-based capital ratio | 15.9861% | 2,517 |
| Total risk-based capital ratio | 17.2379% | 2,449 |
| Memoranda: | ||
| Average total assets | $201,773,000 | 2,935 |
| Average earning assets | $185,131,250 | 2,938 |
| Average equity | $23,089,000 | 2,869 |
| Average total loans | $152,444,500 | 2,645 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6717% | 1,116 |
| Cost of funding earning assets | 0.4466% | 2,635 |
| Net interest margin | 4.2251% | 1,024 |
| Noninterest income to average assets | 0.4707% | 3,216 |
| Noninterest expense to average assets | 2.7573% | 2,898 |
| Loan and lease loss provision to assets | 0.0618% | 2,727 |
| Net operating income to assets | 0.9740% | 2,552 |
| Return on assets (ROA) | 0.9753% | 2,594 |
| Pretax return on assets | 1.5217% | 1,561 |
| Return on Equity (ROE) | 8.5150% | 2,771 |
| Retained earnings to average equity (ytd only) | 3.7264% | 3,485 |
| Net charge-offs to loans | 0.0923% | 1,694 |
| Credit loss provision to net charge-offs | 88.5714% | 2,159 |
| Earnings coverage of net charge-offs (x) | 22.6571% | 1,703 |
| Efficiency ratio | 63.5486% | 3,752 |
| Assets per employee ($millions) | 4.7804% | 2,677 |
| Cash dividends to net income (ytd only)* | 56.2372% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2766% | 2,533 |
| Loan loss allowance to noncurrent loans | 485.2217% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.2218% | 4,267 |
| Noncurrent loans to loans | 0.2631% | 4,096 |
| Net loans and leases to total assets | 74.1125% | 1,842 |
| Net loans and leases to deposits | 84.3904% | 2,423 |
| Net loans and leases to core deposits | 98.5637% | 1,760 |
| Total domestic deposits to total assets | 87.8210% | 1,548 |
| Equity capital to assets | 11.2722% | 2,522 |
| Core capital (leverage) ratio | 11.2942% | 2,133 |
| Tier 1 risk-based capital ratio | 15.7208% | 2,611 |
| Total risk-based capital ratio | 16.9724% | 2,550 |
| Memoranda: | ||
| Average total assets | $200,559,330 | 2,964 |
| Average earning assets | $183,616,670 | 2,970 |
| Average equity | $22,971,330 | 2,884 |
| Average total loans | $151,670,670 | 2,664 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6410% | 1,045 |
| Cost of funding earning assets | 0.4366% | 2,651 |
| Net interest margin | 4.2043% | 981 |
| Noninterest income to average assets | 0.4524% | 3,299 |
| Noninterest expense to average assets | 2.6800% | 3,212 |
| Loan and lease loss provision to assets | 0.0646% | 2,509 |
| Net operating income to assets | 0.9951% | 2,327 |
| Return on assets (ROA) | 0.9977% | 2,366 |
| Pretax return on assets | 1.5430% | 1,403 |
| Return on Equity (ROE) | 8.6396% | 2,601 |
| Retained earnings to average equity (ytd only) | 8.6396% | 1,218 |
| Net charge-offs to loans | 0.0080% | 2,697 |
| Credit loss provision to net charge-offs | 1,066.6667% | 296 |
| Earnings coverage of net charge-offs (x) | 264.6667% | 220 |
| Efficiency ratio | 62.5648% | 4,065 |
| Assets per employee ($millions) | 4.5774% | 3,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3273% | 2,404 |
| Loan loss allowance to noncurrent loans | 433.4773% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.2299% | 4,300 |
| Noncurrent loans to loans | 0.3062% | 4,024 |
| Net loans and leases to total assets | 74.0800% | 1,721 |
| Net loans and leases to deposits | 84.4900% | 2,220 |
| Net loans and leases to core deposits | 99.9183% | 1,506 |
| Total domestic deposits to total assets | 87.6790% | 1,899 |
| Equity capital to assets | 11.4968% | 2,180 |
| Core capital (leverage) ratio | 11.7789% | 1,769 |
| Tier 1 risk-based capital ratio | 15.7931% | 2,624 |
| Total risk-based capital ratio | 17.0452% | 2,571 |
| Memoranda: | ||
| Average total assets | $198,059,500 | 3,017 |
| Average earning assets | $180,480,000 | 3,028 |
| Average equity | $22,871,500 | 2,905 |
| Average total loans | $150,348,500 | 2,698 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7401% | 983 |
| Cost of funding earning assets | 0.4459% | 2,570 |
| Net interest margin | 4.2942% | 942 |
| Noninterest income to average assets | 0.4988% | 3,246 |
| Noninterest expense to average assets | 2.7998% | 3,023 |
| Loan and lease loss provision to assets | 0.0562% | 3,256 |
| Net operating income to assets | 1.0086% | 2,318 |
| Return on assets (ROA) | 1.0151% | 2,389 |
| Pretax return on assets | 1.5738% | 1,361 |
| Return on Equity (ROE) | 8.6868% | 2,575 |
| Retained earnings to average equity (ytd only) | 6.3506% | 1,527 |
| Net charge-offs to loans | 0.0218% | 3,612 |
| Credit loss provision to net charge-offs | 341.9355% | 891 |
| Earnings coverage of net charge-offs (x) | 98.5806% | 604 |
| Efficiency ratio | 63.3485% | 4,047 |
| Assets per employee ($millions) | 4.4253% | 3,230 |
| Cash dividends to net income (ytd only)* | 26.8930% | 3,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3232% | 2,413 |
| Loan loss allowance to noncurrent loans | 307.6205% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.3302% | 3,960 |
| Noncurrent loans to loans | 0.4301% | 3,602 |
| Net loans and leases to total assets | 75.7579% | 1,548 |
| Net loans and leases to deposits | 86.5935% | 2,094 |
| Net loans and leases to core deposits | 99.8971% | 1,634 |
| Total domestic deposits to total assets | 87.4868% | 1,885 |
| Equity capital to assets | 11.6005% | 2,078 |
| Core capital (leverage) ratio | 12.0124% | 1,591 |
| Tier 1 risk-based capital ratio | 16.0344% | 2,530 |
| Total risk-based capital ratio | 17.2867% | 2,469 |
| Memoranda: | ||
| Average total assets | $188,654,000 | 3,074 |
| Average earning assets | $172,253,800 | 3,087 |
| Average equity | $22,045,000 | 2,981 |
| Average total loans | $142,417,200 | 2,747 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7236% | 1,026 |
| Cost of funding earning assets | 0.4502% | 2,561 |
| Net interest margin | 4.2734% | 974 |
| Noninterest income to average assets | 0.4952% | 3,287 |
| Noninterest expense to average assets | 2.7800% | 3,076 |
| Loan and lease loss provision to assets | 0.0435% | 3,361 |
| Net operating income to assets | 1.0250% | 2,317 |
| Return on assets (ROA) | 1.0338% | 2,399 |
| Pretax return on assets | 1.5938% | 1,397 |
| Return on Equity (ROE) | 8.8302% | 2,588 |
| Retained earnings to average equity (ytd only) | 5.8056% | 2,296 |
| Net charge-offs to loans | 0.0294% | 3,071 |
| Credit loss provision to net charge-offs | 196.7742% | 1,459 |
| Earnings coverage of net charge-offs (x) | 73.5202% | 835 |
| Efficiency ratio | 63.1289% | 4,054 |
| Assets per employee ($millions) | 4.1795% | 3,633 |
| Cash dividends to net income (ytd only)* | 34.2522% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3239% | 2,558 |
| Loan loss allowance to noncurrent loans | 277.8736% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 0.3701% | 3,943 |
| Noncurrent loans to loans | 0.4764% | 3,585 |
| Net loans and leases to total assets | 76.6437% | 1,416 |
| Net loans and leases to deposits | 87.8899% | 2,032 |
| Net loans and leases to core deposits | 98.3758% | 1,777 |
| Total domestic deposits to total assets | 87.2042% | 1,801 |
| Equity capital to assets | 11.9275% | 2,167 |
| Core capital (leverage) ratio | 11.8212% | 1,799 |
| Tier 1 risk-based capital ratio | 15.9348% | 2,653 |
| Total risk-based capital ratio | 17.1871% | 2,590 |
| Memoranda: | ||
| Average total assets | $187,138,750 | 3,100 |
| Average earning assets | $171,165,000 | 3,108 |
| Average equity | $21,909,250 | 3,018 |
| Average total loans | $140,649,000 | 2,773 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7174% | 1,016 |
| Cost of funding earning assets | 0.4537% | 2,535 |
| Net interest margin | 4.2637% | 994 |
| Noninterest income to average assets | 0.4764% | 3,361 |
| Noninterest expense to average assets | 2.7726% | 3,127 |
| Loan and lease loss provision to assets | 0.0653% | 2,838 |
| Net operating income to assets | 0.9941% | 2,418 |
| Return on assets (ROA) | 1.0074% | 2,490 |
| Pretax return on assets | 1.5522% | 1,518 |
| Return on Equity (ROE) | 8.6590% | 2,666 |
| Retained earnings to average equity (ytd only) | 4.0856% | 3,303 |
| Net charge-offs to loans | 0.0317% | 2,829 |
| Credit loss provision to net charge-offs | 277.2727% | 1,018 |
| Earnings coverage of net charge-offs (x) | 67.8182% | 801 |
| Efficiency ratio | 63.4493% | 4,112 |
| Assets per employee ($millions) | 4.1710% | 3,616 |
| Cash dividends to net income (ytd only)* | 52.8162% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3826% | 2,371 |
| Loan loss allowance to noncurrent loans | 412.5265% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.2509% | 4,491 |
| Noncurrent loans to loans | 0.3351% | 4,164 |
| Net loans and leases to total assets | 73.8400% | 1,875 |
| Net loans and leases to deposits | 84.3450% | 2,426 |
| Net loans and leases to core deposits | 98.9046% | 1,731 |
| Total domestic deposits to total assets | 87.5452% | 1,651 |
| Equity capital to assets | 11.6892% | 2,367 |
| Core capital (leverage) ratio | 11.6433% | 1,876 |
| Tier 1 risk-based capital ratio | 16.0850% | 2,599 |
| Total risk-based capital ratio | 17.3380% | 2,548 |
| Memoranda: | ||
| Average total assets | $186,825,670 | 3,119 |
| Average earning assets | $170,601,670 | 3,135 |
| Average equity | $21,734,670 | 3,037 |
| Average total loans | $138,837,330 | 2,810 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6990% | 1,053 |
| Cost of funding earning assets | 0.4652% | 2,420 |
| Net interest margin | 4.2338% | 1,028 |
| Noninterest income to average assets | 0.4099% | 3,752 |
| Noninterest expense to average assets | 2.7362% | 3,290 |
| Loan and lease loss provision to assets | 0.0665% | 2,633 |
| Net operating income to assets | 0.8817% | 2,845 |
| Return on assets (ROA) | 0.9078% | 2,839 |
| Pretax return on assets | 1.4958% | 1,608 |
| Return on Equity (ROE) | 7.8217% | 3,015 |
| Retained earnings to average equity (ytd only) | 7.8217% | 1,533 |
| Net charge-offs to loans | 0.0580% | 1,935 |
| Credit loss provision to net charge-offs | 155.0000% | 1,251 |
| Earnings coverage of net charge-offs (x) | 35.4500% | 1,080 |
| Efficiency ratio | 64.2641% | 4,081 |
| Assets per employee ($millions) | 3.9033% | 4,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3926% | 2,458 |
| Loan loss allowance to noncurrent loans | 45.9894% | 4,923 |
| Noncurrent assets plus other real estate owned to assets | 2.2225% | 732 |
| Noncurrent loans to loans | 3.0280% | 531 |
| Net loans and leases to total assets | 72.3751% | 1,972 |
| Net loans and leases to deposits | 82.8443% | 2,452 |
| Net loans and leases to core deposits | 99.1518% | 1,549 |
| Total domestic deposits to total assets | 87.3628% | 2,023 |
| Equity capital to assets | 11.6690% | 2,273 |
| Core capital (leverage) ratio | 11.7644% | 1,782 |
| Tier 1 risk-based capital ratio | 16.6007% | 2,439 |
| Total risk-based capital ratio | 17.8537% | 2,386 |
| Memoranda: | ||
| Average total assets | $186,391,000 | 3,134 |
| Average earning assets | $169,399,500 | 3,162 |
| Average equity | $21,632,000 | 3,050 |
| Average total loans | $137,987,500 | 2,826 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8737% | 819 |
| Cost of funding earning assets | 0.4963% | 2,186 |
| Net interest margin | 4.3774% | 832 |
| Noninterest income to average assets | 0.4529% | 3,643 |
| Noninterest expense to average assets | 2.8573% | 3,002 |
| Loan and lease loss provision to assets | 0.0868% | 2,557 |
| Net operating income to assets | 0.9658% | 2,548 |
| Return on assets (ROA) | 0.9680% | 2,608 |
| Pretax return on assets | 1.4917% | 1,583 |
| Return on Equity (ROE) | 8.1418% | 2,881 |
| Retained earnings to average equity (ytd only) | 5.5191% | 2,075 |
| Net charge-offs to loans | 0.1215% | 2,164 |
| Credit loss provision to net charge-offs | 93.8272% | 2,685 |
| Earnings coverage of net charge-offs (x) | 17.0247% | 2,097 |
| Efficiency ratio | 64.4633% | 4,176 |
| Assets per employee ($millions) | 4.1205% | 3,719 |
| Cash dividends to net income (ytd only)* | 32.2124% | 3,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3751% | 2,535 |
| Loan loss allowance to noncurrent loans | 194.8823% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 0.6067% | 3,253 |
| Noncurrent loans to loans | 0.7056% | 3,076 |
| Net loans and leases to total assets | 73.6450% | 1,783 |
| Net loans and leases to deposits | 84.6353% | 2,287 |
| Net loans and leases to core deposits | 100.8843% | 1,446 |
| Total domestic deposits to total assets | 87.0145% | 2,124 |
| Equity capital to assets | 11.5418% | 2,323 |
| Core capital (leverage) ratio | 11.7927% | 1,762 |
| Tier 1 risk-based capital ratio | 16.6663% | 2,401 |
| Total risk-based capital ratio | 17.9195% | 2,358 |
| Memoranda: | ||
| Average total assets | $175,098,400 | 3,231 |
| Average earning assets | $159,180,400 | 3,264 |
| Average equity | $20,818,600 | 3,094 |
| Average total loans | $133,319,000 | 2,836 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8886% | 784 |
| Cost of funding earning assets | 0.5040% | 2,175 |
| Net interest margin | 4.3846% | 821 |
| Noninterest income to average assets | 0.4544% | 3,680 |
| Noninterest expense to average assets | 2.8410% | 3,037 |
| Loan and lease loss provision to assets | 0.0943% | 2,283 |
| Net operating income to assets | 0.9710% | 2,618 |
| Return on assets (ROA) | 0.9730% | 2,689 |
| Pretax return on assets | 1.5094% | 1,658 |
| Return on Equity (ROE) | 8.1199% | 3,010 |
| Retained earnings to average equity (ytd only) | 5.2434% | 2,753 |
| Net charge-offs to loans | 0.1555% | 1,583 |
| Credit loss provision to net charge-offs | 79.2208% | 2,624 |
| Earnings coverage of net charge-offs (x) | 13.4479% | 2,329 |
| Efficiency ratio | 63.9638% | 4,256 |
| Assets per employee ($millions) | 3.8869% | 4,109 |
| Cash dividends to net income (ytd only)* | 35.4249% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4070% | 2,563 |
| Loan loss allowance to noncurrent loans | 237.6263% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.5374% | 3,698 |
| Noncurrent loans to loans | 0.5921% | 3,550 |
| Net loans and leases to total assets | 75.3998% | 1,478 |
| Net loans and leases to deposits | 87.2939% | 1,993 |
| Net loans and leases to core deposits | 104.1475% | 1,220 |
| Total domestic deposits to total assets | 86.3746% | 2,347 |
| Equity capital to assets | 12.0440% | 2,071 |
| Core capital (leverage) ratio | 11.8920% | 1,748 |
| Tier 1 risk-based capital ratio | 16.6978% | 2,482 |
| Total risk-based capital ratio | 17.9517% | 2,438 |
| Memoranda: | ||
| Average total assets | $172,517,500 | 3,292 |
| Average earning assets | $156,877,500 | 3,333 |
| Average equity | $20,673,000 | 3,130 |
| Average total loans | $132,034,250 | 2,869 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8933% | 742 |
| Cost of funding earning assets | 0.5073% | 2,185 |
| Net interest margin | 4.3861% | 780 |
| Noninterest income to average assets | 0.4507% | 3,702 |
| Noninterest expense to average assets | 2.7382% | 3,459 |
| Loan and lease loss provision to assets | 0.1072% | 2,045 |
| Net operating income to assets | 1.0284% | 2,243 |
| Return on assets (ROA) | 1.0284% | 2,358 |
| Pretax return on assets | 1.5933% | 1,344 |
| Return on Equity (ROE) | 8.5970% | 2,750 |
| Retained earnings to average equity (ytd only) | 4.2547% | 3,318 |
| Net charge-offs to loans | 0.3332% | 791 |
| Credit loss provision to net charge-offs | 42.0091% | 2,787 |
| Earnings coverage of net charge-offs (x) | 6.6667% | 2,755 |
| Efficiency ratio | 61.6898% | 4,728 |
| Assets per employee ($millions) | 4.0293% | 3,826 |
| Cash dividends to net income (ytd only)* | 50.5096% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3587% | 2,941 |
| Loan loss allowance to noncurrent loans | 52.3586% | 4,923 |
| Noncurrent assets plus other real estate owned to assets | 2.0644% | 1,050 |
| Noncurrent loans to loans | 2.5949% | 849 |
| Net loans and leases to total assets | 73.1804% | 1,790 |
| Net loans and leases to deposits | 84.3108% | 2,276 |
| Net loans and leases to core deposits | 104.0576% | 1,183 |
| Total domestic deposits to total assets | 86.7983% | 2,268 |
| Equity capital to assets | 11.6421% | 2,298 |
| Core capital (leverage) ratio | 11.6200% | 1,907 |
| Tier 1 risk-based capital ratio | 16.5844% | 2,578 |
| Total risk-based capital ratio | 17.8373% | 2,527 |
| Memoranda: | ||
| Average total assets | $171,720,330 | 3,319 |
| Average earning assets | $156,130,330 | 3,362 |
| Average equity | $20,542,000 | 3,157 |
| Average total loans | $131,458,000 | 2,884 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8997% | 700 |
| Cost of funding earning assets | 0.5126% | 2,178 |
| Net interest margin | 4.3871% | 754 |
| Noninterest income to average assets | 0.4807% | 3,417 |
| Noninterest expense to average assets | 2.7561% | 3,400 |
| Loan and lease loss provision to assets | 0.1113% | 1,859 |
| Net operating income to assets | 1.0300% | 2,126 |
| Return on assets (ROA) | 1.0300% | 2,269 |
| Pretax return on assets | 1.6053% | 1,259 |
| Return on Equity (ROE) | 8.4907% | 2,702 |
| Retained earnings to average equity (ytd only) | 8.4907% | 1,380 |
| Net charge-offs to loans | 0.2739% | 872 |
| Credit loss provision to net charge-offs | 52.2222% | 2,080 |
| Earnings coverage of net charge-offs (x) | 8.0556% | 2,112 |
| Efficiency ratio | 61.6199% | 4,863 |
| Assets per employee ($millions) | 3.9059% | 4,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4177% | 2,842 |
| Loan loss allowance to noncurrent loans | 613.7705% | 831 |
| Noncurrent assets plus other real estate owned to assets | 0.3260% | 4,682 |
| Noncurrent loans to loans | 0.2310% | 4,949 |
| Net loans and leases to total assets | 74.0618% | 1,489 |
| Net loans and leases to deposits | 85.5524% | 1,892 |
| Net loans and leases to core deposits | 110.3272% | 733 |
| Total domestic deposits to total assets | 86.5689% | 2,625 |
| Equity capital to assets | 11.7959% | 2,204 |
| Core capital (leverage) ratio | 11.9941% | 1,642 |
| Tier 1 risk-based capital ratio | 16.0916% | 2,880 |
| Total risk-based capital ratio | 17.3442% | 2,809 |
| Memoranda: | ||
| Average total assets | $168,936,500 | 3,385 |
| Average earning assets | $153,723,000 | 3,409 |
| Average equity | $20,493,000 | 3,180 |
| Average total loans | $131,423,500 | 2,893 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0954% | 643 |
| Cost of funding earning assets | 0.5955% | 1,797 |
| Net interest margin | 4.4999% | 749 |
| Noninterest income to average assets | 0.4685% | 3,722 |
| Noninterest expense to average assets | 2.9935% | 2,860 |
| Loan and lease loss provision to assets | 0.1279% | 2,050 |
| Net operating income to assets | 0.8822% | 2,959 |
| Return on assets (ROA) | 0.8853% | 3,029 |
| Pretax return on assets | 1.4264% | 1,795 |
| Return on Equity (ROE) | 7.3548% | 3,437 |
| Retained earnings to average equity (ytd only) | 5.5212% | 2,248 |
| Net charge-offs to loans | 0.0251% | 4,333 |
| Credit loss provision to net charge-offs | 670.9677% | 394 |
| Earnings coverage of net charge-offs (x) | 81.2903% | 616 |
| Efficiency ratio | 65.8952% | 4,269 |
| Assets per employee ($millions) | 3.6024% | 4,712 |
| Cash dividends to net income (ytd only)* | 24.9306% | 3,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4633% | 2,634 |
| Loan loss allowance to noncurrent loans | 490.7692% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.4059% | 4,474 |
| Noncurrent loans to loans | 0.2982% | 4,778 |
| Net loans and leases to total assets | 79.5064% | 809 |
| Net loans and leases to deposits | 93.0276% | 1,180 |
| Net loans and leases to core deposits | 107.5672% | 922 |
| Total domestic deposits to total assets | 85.4653% | 3,096 |
| Equity capital to assets | 12.4934% | 1,659 |
| Core capital (leverage) ratio | 12.5786% | 1,317 |
| Tier 1 risk-based capital ratio | 15.9352% | 2,995 |
| Total risk-based capital ratio | 17.1890% | 2,940 |
| Memoranda: | ||
| Average total assets | $162,652,600 | 3,457 |
| Average earning assets | $147,269,600 | 3,492 |
| Average equity | $19,579,000 | 3,205 |
| Average total loans | $123,734,400 | 2,978 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0301% | 728 |
| Cost of funding earning assets | 0.6112% | 1,748 |
| Net interest margin | 4.4189% | 865 |
| Noninterest income to average assets | 0.4611% | 3,807 |
| Noninterest expense to average assets | 2.9436% | 2,981 |
| Loan and lease loss provision to assets | 0.1269% | 1,975 |
| Net operating income to assets | 0.9002% | 2,914 |
| Return on assets (ROA) | 0.9018% | 3,002 |
| Pretax return on assets | 1.3956% | 2,028 |
| Return on Equity (ROE) | 7.5627% | 3,416 |
| Retained earnings to average equity (ytd only) | 5.0968% | 3,022 |
| Net charge-offs to loans | 0.0240% | 4,034 |
| Credit loss provision to net charge-offs | 704.5455% | 431 |
| Earnings coverage of net charge-offs (x) | 84.3710% | 673 |
| Efficiency ratio | 65.9450% | 4,216 |
| Assets per employee ($millions) | 3.4800% | 4,901 |
| Cash dividends to net income (ytd only)* | 32.6065% | 2,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5226% | 2,609 |
| Loan loss allowance to noncurrent loans | 522.3464% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.3710% | 4,811 |
| Noncurrent loans to loans | 0.2915% | 5,034 |
| Net loans and leases to total assets | 77.2350% | 1,061 |
| Net loans and leases to deposits | 91.1187% | 1,310 |
| Net loans and leases to core deposits | 103.9125% | 1,108 |
| Total domestic deposits to total assets | 84.7631% | 3,436 |
| Equity capital to assets | 12.6999% | 1,584 |
| Core capital (leverage) ratio | 12.4529% | 1,429 |
| Tier 1 risk-based capital ratio | 16.5198% | 2,810 |
| Total risk-based capital ratio | 17.7741% | 2,758 |
| Memoranda: | ||
| Average total assets | $162,788,500 | 3,474 |
| Average earning assets | $147,454,500 | 3,514 |
| Average equity | $19,410,500 | 3,239 |
| Average total loans | $121,967,750 | 3,018 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9817% | 774 |
| Cost of funding earning assets | 0.6262% | 1,672 |
| Net interest margin | 4.3555% | 932 |
| Noninterest income to average assets | 0.4465% | 3,897 |
| Noninterest expense to average assets | 2.8802% | 3,238 |
| Loan and lease loss provision to assets | 0.1517% | 1,624 |
| Net operating income to assets | 0.8747% | 2,938 |
| Return on assets (ROA) | 0.8747% | 3,026 |
| Pretax return on assets | 1.3552% | 2,061 |
| Return on Equity (ROE) | 7.4904% | 3,374 |
| Retained earnings to average equity (ytd only) | 3.7816% | 3,776 |
| Net charge-offs to loans | -0.0033% | 5,111 |
| Credit loss provision to net charge-offs | -6,250.0000% | 5,929 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6527% | 4,409 |
| Assets per employee ($millions) | 3.5849% | 4,693 |
| Cash dividends to net income (ytd only)* | 49.5146% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5543% | 2,650 |
| Loan loss allowance to noncurrent loans | 397.4414% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.5343% | 4,394 |
| Noncurrent loans to loans | 0.3911% | 4,821 |
| Net loans and leases to total assets | 73.1844% | 1,551 |
| Net loans and leases to deposits | 86.2918% | 1,793 |
| Net loans and leases to core deposits | 98.7859% | 1,389 |
| Total domestic deposits to total assets | 84.8103% | 3,598 |
| Equity capital to assets | 12.0692% | 1,929 |
| Core capital (leverage) ratio | 11.5017% | 1,999 |
| Tier 1 risk-based capital ratio | 16.3255% | 2,919 |
| Total risk-based capital ratio | 17.5799% | 2,866 |
| Memoranda: | ||
| Average total assets | $164,851,330 | 3,464 |
| Average earning assets | $149,146,000 | 3,499 |
| Average equity | $19,251,330 | 3,250 |
| Average total loans | $121,683,670 | 3,033 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8361% | 977 |
| Cost of funding earning assets | 0.6351% | 1,685 |
| Net interest margin | 4.2011% | 1,215 |
| Noninterest income to average assets | 0.4081% | 4,114 |
| Noninterest expense to average assets | 2.8088% | 3,530 |
| Loan and lease loss provision to assets | 0.1681% | 1,441 |
| Net operating income to assets | 0.8018% | 3,146 |
| Return on assets (ROA) | 0.8018% | 3,226 |
| Pretax return on assets | 1.2268% | 2,363 |
| Return on Equity (ROE) | 6.9794% | 3,483 |
| Retained earnings to average equity (ytd only) | 6.9794% | 2,055 |
| Net charge-offs to loans | -0.0065% | 4,890 |
| Credit loss provision to net charge-offs | -3,500.0000% | 5,561 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8190% | 4,393 |
| Assets per employee ($millions) | 3.9498% | 4,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4779% | 3,245 |
| Loan loss allowance to noncurrent loans | 102.5525% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 1.2164% | 2,830 |
| Noncurrent loans to loans | 1.4411% | 2,626 |
| Net loans and leases to total assets | 69.3509% | 2,004 |
| Net loans and leases to deposits | 81.2976% | 2,129 |
| Net loans and leases to core deposits | 99.9005% | 1,108 |
| Total domestic deposits to total assets | 85.3049% | 3,719 |
| Equity capital to assets | 11.1328% | 2,591 |
| Core capital (leverage) ratio | 11.5721% | 1,919 |
| Tier 1 risk-based capital ratio | 15.6580% | 3,356 |
| Total risk-based capital ratio | 16.9108% | 3,317 |
| Memoranda: | ||
| Average total assets | $166,617,000 | 3,454 |
| Average earning assets | $150,533,500 | 3,499 |
| Average equity | $19,142,000 | 3,261 |
| Average total loans | $122,563,000 | 3,016 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3934% | 442 |
| Cost of funding earning assets | 0.7082% | 1,759 |
| Net interest margin | 4.6852% | 525 |
| Noninterest income to average assets | 0.5126% | 3,680 |
| Noninterest expense to average assets | 3.0259% | 2,977 |
| Loan and lease loss provision to assets | 0.2903% | 1,173 |
| Net operating income to assets | 0.9082% | 2,734 |
| Return on assets (ROA) | 0.9074% | 2,827 |
| Pretax return on assets | 1.4065% | 1,754 |
| Return on Equity (ROE) | 7.2353% | 3,436 |
| Retained earnings to average equity (ytd only) | 5.3177% | 2,405 |
| Net charge-offs to loans | 0.0324% | 4,787 |
| Credit loss provision to net charge-offs | 1,134.2105% | 221 |
| Earnings coverage of net charge-offs (x) | 66.3421% | 635 |
| Efficiency ratio | 64.0525% | 4,883 |
| Assets per employee ($millions) | 3.7079% | 4,462 |
| Cash dividends to net income (ytd only)* | 26.5033% | 3,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4146% | 3,579 |
| Loan loss allowance to noncurrent loans | 93.4373% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 1.3861% | 2,670 |
| Noncurrent loans to loans | 1.5140% | 2,625 |
| Net loans and leases to total assets | 75.9240% | 1,083 |
| Net loans and leases to deposits | 89.9468% | 1,243 |
| Net loans and leases to core deposits | 100.8363% | 1,097 |
| Total domestic deposits to total assets | 84.4099% | 4,010 |
| Equity capital to assets | 11.8765% | 1,882 |
| Core capital (leverage) ratio | 12.6081% | 1,302 |
| Tier 1 risk-based capital ratio | 15.6575% | 3,270 |
| Total risk-based capital ratio | 16.9100% | 3,233 |
| Memoranda: | ||
| Average total assets | $148,451,000 | 3,734 |
| Average earning assets | $133,442,000 | 3,766 |
| Average equity | $18,617,000 | 3,323 |
| Average total loans | $117,168,800 | 3,101 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4671% | 393 |
| Cost of funding earning assets | 0.7297% | 1,742 |
| Net interest margin | 4.7374% | 489 |
| Noninterest income to average assets | 0.5317% | 3,577 |
| Noninterest expense to average assets | 3.0454% | 2,836 |
| Loan and lease loss provision to assets | 0.2343% | 1,543 |
| Net operating income to assets | 0.9647% | 2,522 |
| Return on assets (ROA) | 0.9636% | 2,626 |
| Pretax return on assets | 1.4980% | 1,613 |
| Return on Equity (ROE) | 7.5737% | 3,333 |
| Retained earnings to average equity (ytd only) | 5.0060% | 3,082 |
| Net charge-offs to loans | 0.0380% | 4,385 |
| Credit loss provision to net charge-offs | 775.7576% | 373 |
| Earnings coverage of net charge-offs (x) | 57.4227% | 783 |
| Efficiency ratio | 63.7182% | 4,849 |
| Assets per employee ($millions) | 3.2526% | 5,380 |
| Cash dividends to net income (ytd only)* | 33.9034% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3475% | 4,146 |
| Loan loss allowance to noncurrent loans | 255.2117% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.5732% | 4,729 |
| Noncurrent loans to loans | 0.5280% | 4,874 |
| Net loans and leases to total assets | 78.3835% | 710 |
| Net loans and leases to deposits | 94.3207% | 809 |
| Net loans and leases to core deposits | 103.6612% | 896 |
| Total domestic deposits to total assets | 83.1032% | 4,539 |
| Equity capital to assets | 12.7380% | 1,457 |
| Core capital (leverage) ratio | 12.6381% | 1,355 |
| Tier 1 risk-based capital ratio | 16.5247% | 2,924 |
| Total risk-based capital ratio | 17.7773% | 2,890 |
| Memoranda: | ||
| Average total assets | $145,703,500 | 3,818 |
| Average earning assets | $130,644,500 | 3,870 |
| Average equity | $18,537,250 | 3,375 |
| Average total loans | $115,763,250 | 3,150 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4497% | 408 |
| Cost of funding earning assets | 0.7385% | 1,783 |
| Net interest margin | 4.7112% | 496 |
| Noninterest income to average assets | 0.5389% | 3,574 |
| Noninterest expense to average assets | 2.9790% | 3,063 |
| Loan and lease loss provision to assets | 0.2475% | 1,509 |
| Net operating income to assets | 0.9819% | 2,405 |
| Return on assets (ROA) | 0.9802% | 2,564 |
| Pretax return on assets | 1.5369% | 1,520 |
| Return on Equity (ROE) | 7.7074% | 3,235 |
| Retained earnings to average equity (ytd only) | 7.7074% | 1,593 |
| Net charge-offs to loans | 0.0502% | 3,975 |
| Credit loss provision to net charge-offs | 620.6897% | 471 |
| Earnings coverage of net charge-offs (x) | 44.8276% | 858 |
| Efficiency ratio | 62.5036% | 5,096 |
| Assets per employee ($millions) | 3.2902% | 5,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2646% | 4,670 |
| Loan loss allowance to noncurrent loans | 352.5943% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 0.3492% | 5,437 |
| Noncurrent loans to loans | 0.3587% | 5,381 |
| Net loans and leases to total assets | 78.8329% | 658 |
| Net loans and leases to deposits | 94.5867% | 769 |
| Net loans and leases to core deposits | 103.2235% | 874 |
| Total domestic deposits to total assets | 83.3446% | 4,571 |
| Equity capital to assets | 12.6428% | 1,501 |
| Core capital (leverage) ratio | 12.8232% | 1,242 |
| Tier 1 risk-based capital ratio | 16.2425% | 3,074 |
| Total risk-based capital ratio | 17.4934% | 3,015 |
| Memoranda: | ||
| Average total assets | $145,483,000 | 3,851 |
| Average earning assets | $130,539,000 | 3,895 |
| Average equity | $18,501,670 | 3,397 |
| Average total loans | $115,586,670 | 3,154 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4224% | 419 |
| Cost of funding earning assets | 0.7574% | 1,790 |
| Net interest margin | 4.6650% | 506 |
| Noninterest income to average assets | 0.5715% | 3,295 |
| Noninterest expense to average assets | 3.0043% | 2,977 |
| Loan and lease loss provision to assets | 0.2497% | 1,443 |
| Net operating income to assets | 0.9913% | 2,261 |
| Return on assets (ROA) | 0.9931% | 2,374 |
| Pretax return on assets | 1.5063% | 1,539 |
| Return on Equity (ROE) | 7.7856% | 3,082 |
| Retained earnings to average equity (ytd only) | 7.7856% | 1,830 |
| Net charge-offs to loans | 0.0490% | 3,341 |
| Credit loss provision to net charge-offs | 642.8571% | 429 |
| Earnings coverage of net charge-offs (x) | 45.1429% | 724 |
| Efficiency ratio | 63.1487% | 5,133 |
| Assets per employee ($millions) | 3.5358% | 4,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2426% | 4,988 |
| Loan loss allowance to noncurrent loans | 1,083.9695% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.1642% | 6,078 |
| Noncurrent loans to loans | 0.1146% | 6,130 |
| Net loans and leases to total assets | 77.8515% | 627 |
| Net loans and leases to deposits | 93.8638% | 675 |
| Net loans and leases to core deposits | 102.2005% | 815 |
| Total domestic deposits to total assets | 82.9409% | 4,873 |
| Equity capital to assets | 12.7974% | 1,532 |
| Core capital (leverage) ratio | 12.6696% | 1,264 |
| Tier 1 risk-based capital ratio | 16.5374% | 2,982 |
| Total risk-based capital ratio | 17.7880% | 2,939 |
| Memoranda: | ||
| Average total assets | $144,194,500 | 3,909 |
| Average earning assets | $129,388,500 | 3,953 |
| Average equity | $18,393,000 | 3,472 |
| Average total loans | $114,272,500 | 3,197 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6555% | 458 |
| Cost of funding earning assets | 0.8891% | 1,998 |
| Net interest margin | 4.7665% | 575 |
| Noninterest income to average assets | 0.4336% | 4,364 |
| Noninterest expense to average assets | 2.9694% | 3,387 |
| Loan and lease loss provision to assets | 0.1858% | 3,316 |
| Net operating income to assets | 1.1112% | 1,908 |
| Return on assets (ROA) | 1.1112% | 2,080 |
| Pretax return on assets | 1.5360% | 1,572 |
| Return on Equity (ROE) | 8.5598% | 2,845 |
| Retained earnings to average equity (ytd only) | 7.0375% | 1,551 |
| Net charge-offs to loans | 0.1437% | 4,257 |
| Credit loss provision to net charge-offs | 164.7059% | 1,622 |
| Earnings coverage of net charge-offs (x) | 15.2614% | 1,664 |
| Efficiency ratio | 63.2977% | 5,018 |
| Assets per employee ($millions) | 3.4981% | 5,009 |
| Cash dividends to net income (ytd only)* | 17.7837% | 3,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1762% | 5,230 |
| Loan loss allowance to noncurrent loans | 537.6000% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.3221% | 5,705 |
| Noncurrent loans to loans | 0.2188% | 5,928 |
| Net loans and leases to total assets | 78.7341% | 591 |
| Net loans and leases to deposits | 94.1935% | 734 |
| Net loans and leases to core deposits | 104.8088% | 741 |
| Total domestic deposits to total assets | 83.5876% | 4,503 |
| Equity capital to assets | 12.7135% | 1,583 |
| Core capital (leverage) ratio | 12.5616% | 1,302 |
| Tier 1 risk-based capital ratio | 15.9977% | 3,168 |
| Total risk-based capital ratio | 17.2288% | 3,128 |
| Memoranda: | ||
| Average total assets | $135,614,800 | 4,034 |
| Average earning assets | $121,138,200 | 4,088 |
| Average equity | $17,605,600 | 3,520 |
| Average total loans | $106,498,800 | 3,366 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6452% | 517 |
| Cost of funding earning assets | 0.8964% | 2,196 |
| Net interest margin | 4.7488% | 610 |
| Noninterest income to average assets | 0.3970% | 4,660 |
| Noninterest expense to average assets | 2.9377% | 3,455 |
| Loan and lease loss provision to assets | 0.1845% | 3,280 |
| Net operating income to assets | 1.1352% | 1,970 |
| Return on assets (ROA) | 1.1352% | 2,163 |
| Pretax return on assets | 1.5182% | 1,812 |
| Return on Equity (ROE) | 8.6959% | 2,948 |
| Retained earnings to average equity (ytd only) | 6.6480% | 2,306 |
| Net charge-offs to loans | 0.0842% | 4,548 |
| Credit loss provision to net charge-offs | 280.3030% | 968 |
| Earnings coverage of net charge-offs (x) | 25.8630% | 1,233 |
| Efficiency ratio | 63.3061% | 4,925 |
| Assets per employee ($millions) | 3.5057% | 4,973 |
| Cash dividends to net income (ytd only)* | 23.5497% | 2,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2075% | 5,247 |
| Loan loss allowance to noncurrent loans | 105.9829% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 1.1096% | 4,081 |
| Noncurrent loans to loans | 1.1393% | 4,152 |
| Net loans and leases to total assets | 79.5844% | 543 |
| Net loans and leases to deposits | 95.6445% | 679 |
| Net loans and leases to core deposits | 105.2881% | 787 |
| Total domestic deposits to total assets | 83.2085% | 4,557 |
| Equity capital to assets | 12.7558% | 1,736 |
| Core capital (leverage) ratio | 12.5837% | 1,370 |
| Tier 1 risk-based capital ratio | 15.8532% | 3,348 |
| Total risk-based capital ratio | 17.1032% | 3,318 |
| Memoranda: | ||
| Average total assets | $133,663,000 | 4,103 |
| Average earning assets | $119,438,750 | 4,167 |
| Average equity | $17,448,500 | 3,580 |
| Average total loans | $104,557,000 | 3,444 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5544% | 636 |
| Cost of funding earning assets | 0.9090% | 2,325 |
| Net interest margin | 4.6454% | 750 |
| Noninterest income to average assets | 0.4518% | 4,275 |
| Noninterest expense to average assets | 2.8796% | 3,702 |
| Loan and lease loss provision to assets | 0.1704% | 3,401 |
| Net operating income to assets | 1.2443% | 1,576 |
| Return on assets (ROA) | 1.2443% | 1,757 |
| Pretax return on assets | 1.5455% | 1,725 |
| Return on Equity (ROE) | 9.4554% | 2,592 |
| Retained earnings to average equity (ytd only) | 6.3575% | 2,465 |
| Net charge-offs to loans | 0.0491% | 4,711 |
| Credit loss provision to net charge-offs | 448.0000% | 666 |
| Earnings coverage of net charge-offs (x) | 45.1200% | 797 |
| Efficiency ratio | 62.6614% | 5,141 |
| Assets per employee ($millions) | 3.6244% | 4,697 |
| Cash dividends to net income (ytd only)* | 32.7628% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2244% | 5,242 |
| Loan loss allowance to noncurrent loans | 190.5579% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.6440% | 5,167 |
| Noncurrent loans to loans | 0.6425% | 5,229 |
| Net loans and leases to total assets | 78.0212% | 720 |
| Net loans and leases to deposits | 93.8079% | 791 |
| Net loans and leases to core deposits | 102.8690% | 926 |
| Total domestic deposits to total assets | 83.1712% | 4,687 |
| Equity capital to assets | 12.7069% | 1,681 |
| Core capital (leverage) ratio | 13.0478% | 1,134 |
| Tier 1 risk-based capital ratio | 16.1199% | 3,112 |
| Total risk-based capital ratio | 17.3697% | 3,076 |
| Memoranda: | ||
| Average total assets | $131,475,330 | 4,174 |
| Average earning assets | $117,277,000 | 4,231 |
| Average equity | $17,302,330 | 3,598 |
| Average total loans | $101,755,330 | 3,521 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5832% | 648 |
| Cost of funding earning assets | 0.9679% | 2,177 |
| Net interest margin | 4.6152% | 802 |
| Noninterest income to average assets | 0.4581% | 4,239 |
| Noninterest expense to average assets | 2.8204% | 3,943 |
| Loan and lease loss provision to assets | 0.1278% | 3,750 |
| Net operating income to assets | 1.6112% | 846 |
| Return on assets (ROA) | 1.6112% | 946 |
| Pretax return on assets | 1.6112% | 1,536 |
| Return on Equity (ROE) | 12.0212% | 1,671 |
| Retained earnings to average equity (ytd only) | 12.0212% | 820 |
| Net charge-offs to loans | 0.0122% | 4,533 |
| Credit loss provision to net charge-offs | 1,366.6667% | 252 |
| Earnings coverage of net charge-offs (x) | 186.0000% | 197 |
| Efficiency ratio | 61.8592% | 5,297 |
| Assets per employee ($millions) | 3.3605% | 5,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2609% | 5,197 |
| Loan loss allowance to noncurrent loans | 238.9199% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.5928% | 5,410 |
| Noncurrent loans to loans | 0.5278% | 5,609 |
| Net loans and leases to total assets | 78.6735% | 526 |
| Net loans and leases to deposits | 94.7051% | 623 |
| Net loans and leases to core deposits | 102.8490% | 821 |
| Total domestic deposits to total assets | 83.0720% | 4,897 |
| Equity capital to assets | 13.6774% | 1,158 |
| Core capital (leverage) ratio | 13.4653% | 967 |
| Tier 1 risk-based capital ratio | 17.3022% | 2,551 |
| Total risk-based capital ratio | 18.5533% | 2,525 |
| Memoranda: | ||
| Average total assets | $128,349,000 | 4,272 |
| Average earning assets | $114,057,000 | 4,335 |
| Average equity | $17,203,000 | 3,612 |
| Average total loans | $98,238,500 | 3,638 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5752% | 1,001 |
| Cost of funding earning assets | 1.2221% | 1,887 |
| Net interest margin | 4.3532% | 1,535 |
| Noninterest income to average assets | 0.3227% | 5,235 |
| Noninterest expense to average assets | 3.0494% | 3,395 |
| Loan and lease loss provision to assets | 0.2487% | 3,720 |
| Net operating income to assets | 0.9184% | 2,531 |
| Return on assets (ROA) | 0.9347% | 2,587 |
| Pretax return on assets | 0.9347% | 3,490 |
| Return on Equity (ROE) | 7.0236% | 3,398 |
| Retained earnings to average equity (ytd only) | 5.9365% | 2,054 |
| Net charge-offs to loans | 0.1882% | 4,638 |
| Credit loss provision to net charge-offs | 173.8636% | 1,518 |
| Earnings coverage of net charge-offs (x) | 8.1591% | 2,203 |
| Efficiency ratio | 72.3207% | 3,513 |
| Assets per employee ($millions) | 3.4864% | 5,047 |
| Cash dividends to net income (ytd only)* | 15.4783% | 3,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3143% | 4,842 |
| Loan loss allowance to noncurrent loans | 332.8877% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.4837% | 5,764 |
| Noncurrent loans to loans | 0.3948% | 5,923 |
| Net loans and leases to total assets | 72.4686% | 1,561 |
| Net loans and leases to deposits | 86.6129% | 1,594 |
| Net loans and leases to core deposits | 95.0842% | 1,578 |
| Total domestic deposits to total assets | 83.6695% | 4,462 |
| Equity capital to assets | 13.1320% | 1,427 |
| Core capital (leverage) ratio | 13.4700% | 977 |
| Tier 1 risk-based capital ratio | 17.8696% | 2,241 |
| Total risk-based capital ratio | 19.1270% | 2,208 |
| Memoranda: | ||
| Average total assets | $123,039,600 | 4,318 |
| Average earning assets | $110,058,000 | 4,394 |
| Average equity | $16,373,400 | 3,667 |
| Average total loans | $93,526,200 | 3,773 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6205% | 994 |
| Cost of funding earning assets | 1.2819% | 1,807 |
| Net interest margin | 4.3386% | 1,590 |
| Noninterest income to average assets | 0.2863% | 5,562 |
| Noninterest expense to average assets | 3.0395% | 3,403 |
| Loan and lease loss provision to assets | 0.2117% | 3,906 |
| Net operating income to assets | 0.9258% | 2,645 |
| Return on assets (ROA) | 0.9477% | 2,709 |
| Pretax return on assets | 0.9477% | 3,596 |
| Return on Equity (ROE) | 7.0970% | 3,480 |
| Retained earnings to average equity (ytd only) | 5.6349% | 2,779 |
| Net charge-offs to loans | 0.1688% | 4,445 |
| Credit loss provision to net charge-offs | 163.5593% | 1,870 |
| Earnings coverage of net charge-offs (x) | 8.7881% | 2,127 |
| Efficiency ratio | 72.7679% | 3,408 |
| Assets per employee ($millions) | 3.4423% | 5,139 |
| Cash dividends to net income (ytd only)* | 20.6021% | 2,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2822% | 5,090 |
| Loan loss allowance to noncurrent loans | 271.6895% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.6310% | 5,558 |
| Noncurrent loans to loans | 0.4719% | 5,901 |
| Net loans and leases to total assets | 73.9324% | 1,330 |
| Net loans and leases to deposits | 88.0259% | 1,433 |
| Net loans and leases to core deposits | 94.4760% | 1,746 |
| Total domestic deposits to total assets | 83.9894% | 4,235 |
| Equity capital to assets | 13.5018% | 1,367 |
| Core capital (leverage) ratio | 13.3722% | 1,087 |
| Tier 1 risk-based capital ratio | 18.0101% | 2,248 |
| Total risk-based capital ratio | 19.2612% | 2,208 |
| Memoranda: | ||
| Average total assets | $121,550,000 | 4,378 |
| Average earning assets | $109,003,000 | 4,449 |
| Average equity | $16,231,750 | 3,697 |
| Average total loans | $93,225,750 | 3,815 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6472% | 971 |
| Cost of funding earning assets | 1.3262% | 1,789 |
| Net interest margin | 4.3209% | 1,594 |
| Noninterest income to average assets | 0.2087% | 6,171 |
| Noninterest expense to average assets | 2.9828% | 3,707 |
| Loan and lease loss provision to assets | 0.1987% | 3,941 |
| Net operating income to assets | 0.8960% | 2,655 |
| Return on assets (ROA) | 0.9291% | 2,625 |
| Pretax return on assets | 0.9291% | 3,513 |
| Return on Equity (ROE) | 6.9841% | 3,454 |
| Retained earnings to average equity (ytd only) | 4.7681% | 3,144 |
| Net charge-offs to loans | 0.1392% | 4,360 |
| Credit loss provision to net charge-offs | 184.6154% | 1,635 |
| Earnings coverage of net charge-offs (x) | 10.1692% | 1,844 |
| Efficiency ratio | 73.1519% | 3,520 |
| Assets per employee ($millions) | 3.4298% | 5,123 |
| Cash dividends to net income (ytd only)* | 31.7291% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2807% | 5,145 |
| Loan loss allowance to noncurrent loans | 217.6580% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.9322% | 4,997 |
| Noncurrent loans to loans | 0.5884% | 5,753 |
| Net loans and leases to total assets | 75.1906% | 1,208 |
| Net loans and leases to deposits | 90.6171% | 1,211 |
| Net loans and leases to core deposits | 97.7062% | 1,524 |
| Total domestic deposits to total assets | 82.9761% | 4,764 |
| Equity capital to assets | 13.6343% | 1,231 |
| Core capital (leverage) ratio | 13.6347% | 960 |
| Tier 1 risk-based capital ratio | 18.0034% | 2,175 |
| Total risk-based capital ratio | 19.2541% | 2,129 |
| Memoranda: | ||
| Average total assets | $120,758,670 | 4,429 |
| Average earning assets | $108,125,000 | 4,504 |
| Average equity | $16,065,000 | 3,722 |
| Average total loans | $93,364,330 | 3,853 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5642% | 1,142 |
| Cost of funding earning assets | 1.4039% | 1,590 |
| Net interest margin | 4.1602% | 2,034 |
| Noninterest income to average assets | 0.3038% | 5,494 |
| Noninterest expense to average assets | 2.9889% | 3,695 |
| Loan and lease loss provision to assets | 0.1982% | 3,649 |
| Net operating income to assets | 0.8455% | 2,797 |
| Return on assets (ROA) | 0.9115% | 2,566 |
| Pretax return on assets | 0.9115% | 3,456 |
| Return on Equity (ROE) | 6.9373% | 3,413 |
| Retained earnings to average equity (ytd only) | 6.9373% | 2,172 |
| Net charge-offs to loans | 0.1399% | 3,668 |
| Credit loss provision to net charge-offs | 181.8182% | 1,610 |
| Earnings coverage of net charge-offs (x) | 9.5758% | 1,708 |
| Efficiency ratio | 74.1196% | 3,492 |
| Assets per employee ($millions) | 3.6828% | 4,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2188% | 5,536 |
| Loan loss allowance to noncurrent loans | 189.3864% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 1.2417% | 4,468 |
| Noncurrent loans to loans | 0.6436% | 5,744 |
| Net loans and leases to total assets | 76.1559% | 1,015 |
| Net loans and leases to deposits | 90.4306% | 1,184 |
| Net loans and leases to core deposits | 100.9908% | 1,266 |
| Total domestic deposits to total assets | 84.2147% | 4,404 |
| Equity capital to assets | 13.3061% | 1,261 |
| Core capital (leverage) ratio | 13.0581% | 1,105 |
| Tier 1 risk-based capital ratio | 17.3461% | 2,357 |
| Total risk-based capital ratio | 18.5957% | 2,334 |
| Memoranda: | ||
| Average total assets | $121,116,500 | 4,446 |
| Average earning assets | $108,552,000 | 4,512 |
| Average equity | $15,914,000 | 3,741 |
| Average total loans | $94,330,500 | 3,873 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7643% | 1,366 |
| Cost of funding earning assets | 1.7744% | 1,278 |
| Net interest margin | 3.9899% | 3,063 |
| Noninterest income to average assets | 0.4307% | 4,676 |
| Noninterest expense to average assets | 3.0688% | 3,593 |
| Loan and lease loss provision to assets | 0.4095% | 3,652 |
| Net operating income to assets | 0.5195% | 4,004 |
| Return on assets (ROA) | 0.5288% | 4,126 |
| Pretax return on assets | 0.5288% | 4,531 |
| Return on Equity (ROE) | 4.0896% | 4,482 |
| Retained earnings to average equity (ytd only) | 4.0896% | 2,996 |
| Net charge-offs to loans | 0.6525% | 3,050 |
| Credit loss provision to net charge-offs | 82.3129% | 5,475 |
| Earnings coverage of net charge-offs (x) | 1.8673% | 4,325 |
| Efficiency ratio | 76.7619% | 2,914 |
| Assets per employee ($millions) | 3.4486% | 5,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1741% | 5,628 |
| Loan loss allowance to noncurrent loans | 209.1932% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 1.3231% | 4,383 |
| Noncurrent loans to loans | 0.5613% | 5,928 |
| Net loans and leases to total assets | 77.7543% | 979 |
| Net loans and leases to deposits | 94.9765% | 960 |
| Net loans and leases to core deposits | 107.5200% | 1,088 |
| Total domestic deposits to total assets | 81.8669% | 5,228 |
| Equity capital to assets | 12.9716% | 1,400 |
| Core capital (leverage) ratio | 13.2626% | 1,045 |
| Tier 1 risk-based capital ratio | 16.7151% | 2,453 |
| Total risk-based capital ratio | 17.9363% | 2,429 |
| Memoranda: | ||
| Average total assets | $118,188,400 | 4,517 |
| Average earning assets | $105,666,800 | 4,573 |
| Average equity | $15,282,600 | 3,890 |
| Average total loans | $90,118,200 | 4,051 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7325% | 1,598 |
| Cost of funding earning assets | 1.8677% | 1,146 |
| Net interest margin | 3.8649% | 3,676 |
| Noninterest income to average assets | 0.4446% | 4,599 |
| Noninterest expense to average assets | 3.0894% | 3,381 |
| Loan and lease loss provision to assets | 0.3754% | 3,638 |
| Net operating income to assets | 0.4321% | 4,620 |
| Return on assets (ROA) | 0.4321% | 4,800 |
| Pretax return on assets | 0.4321% | 5,135 |
| Return on Equity (ROE) | 3.3445% | 5,080 |
| Retained earnings to average equity (ytd only) | 3.3445% | 4,095 |
| Net charge-offs to loans | 0.7978% | 2,451 |
| Credit loss provision to net charge-offs | 62.2180% | 5,635 |
| Earnings coverage of net charge-offs (x) | 1.3383% | 4,746 |
| Efficiency ratio | 79.2782% | 2,451 |
| Assets per employee ($millions) | 3.2978% | 5,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1283% | 5,820 |
| Loan loss allowance to noncurrent loans | 189.5717% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 1.6773% | 3,935 |
| Noncurrent loans to loans | 0.5952% | 6,023 |
| Net loans and leases to total assets | 77.2838% | 1,167 |
| Net loans and leases to deposits | 95.1104% | 1,089 |
| Net loans and leases to core deposits | 102.8217% | 1,578 |
| Total domestic deposits to total assets | 81.2569% | 5,281 |
| Equity capital to assets | 13.4305% | 1,376 |
| Core capital (leverage) ratio | 13.2253% | 1,139 |
| Tier 1 risk-based capital ratio | 17.4823% | 2,185 |
| Total risk-based capital ratio | 18.6700% | 2,162 |
| Memoranda: | ||
| Average total assets | $117,560,000 | 4,597 |
| Average earning assets | $105,011,750 | 4,640 |
| Average equity | $15,189,000 | 3,953 |
| Average total loans | $88,906,250 | 4,147 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6301% | 2,025 |
| Cost of funding earning assets | 1.9505% | 1,040 |
| Net interest margin | 3.6795% | 4,453 |
| Noninterest income to average assets | 0.4312% | 4,670 |
| Noninterest expense to average assets | 3.0083% | 3,683 |
| Loan and lease loss provision to assets | 0.3416% | 3,689 |
| Net operating income to assets | 0.3670% | 4,905 |
| Return on assets (ROA) | 0.3670% | 5,069 |
| Pretax return on assets | 0.3670% | 5,318 |
| Return on Equity (ROE) | 2.8771% | 5,291 |
| Retained earnings to average equity (ytd only) | 2.8771% | 4,310 |
| Net charge-offs to loans | 1.0829% | 1,741 |
| Credit loss provision to net charge-offs | 42.1712% | 5,573 |
| Earnings coverage of net charge-offs (x) | 0.8747% | 4,893 |
| Efficiency ratio | 80.9372% | 2,308 |
| Assets per employee ($millions) | 3.2393% | 5,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0657% | 6,101 |
| Loan loss allowance to noncurrent loans | 152.5122% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 1.9586% | 3,543 |
| Noncurrent loans to loans | 0.6988% | 5,846 |
| Net loans and leases to total assets | 74.9117% | 1,715 |
| Net loans and leases to deposits | 90.8372% | 1,719 |
| Net loans and leases to core deposits | 98.7878% | 2,141 |
| Total domestic deposits to total assets | 82.4681% | 4,794 |
| Equity capital to assets | 13.1268% | 1,514 |
| Core capital (leverage) ratio | 12.6685% | 1,338 |
| Tier 1 risk-based capital ratio | 17.1603% | 2,211 |
| Total risk-based capital ratio | 18.2517% | 2,231 |
| Memoranda: | ||
| Average total assets | $118,272,000 | 4,612 |
| Average earning assets | $105,611,330 | 4,655 |
| Average equity | $15,084,670 | 3,980 |
| Average total loans | $88,467,670 | 4,188 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4860% | 2,649 |
| Cost of funding earning assets | 2.0116% | 1,047 |
| Net interest margin | 3.4743% | 5,268 |
| Noninterest income to average assets | 0.6348% | 3,047 |
| Noninterest expense to average assets | 2.9958% | 3,695 |
| Loan and lease loss provision to assets | 0.3359% | 3,377 |
| Net operating income to assets | 0.4064% | 4,809 |
| Return on assets (ROA) | 0.4064% | 4,955 |
| Pretax return on assets | 0.4064% | 5,272 |
| Return on Equity (ROE) | 3.2325% | 5,236 |
| Retained earnings to average equity (ytd only) | 3.2325% | 4,212 |
| Net charge-offs to loans | 1.4319% | 1,209 |
| Credit loss provision to net charge-offs | 31.5457% | 4,787 |
| Earnings coverage of net charge-offs (x) | 0.6972% | 4,405 |
| Efficiency ratio | 80.1438% | 2,548 |
| Assets per employee ($millions) | 3.6252% | 4,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1488% | 5,782 |
| Loan loss allowance to noncurrent loans | 109.3886% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 1.9488% | 3,562 |
| Noncurrent loans to loans | 1.0502% | 5,242 |
| Net loans and leases to total assets | 69.9500% | 2,951 |
| Net loans and leases to deposits | 83.6404% | 3,005 |
| Net loans and leases to core deposits | 93.7622% | 2,867 |
| Total domestic deposits to total assets | 83.6319% | 4,328 |
| Equity capital to assets | 12.1996% | 1,934 |
| Core capital (leverage) ratio | 12.6522% | 1,344 |
| Tier 1 risk-based capital ratio | 16.8567% | 2,322 |
| Total risk-based capital ratio | 18.0048% | 2,314 |
| Memoranda: | ||
| Average total assets | $119,100,000 | 4,652 |
| Average earning assets | $106,380,500 | 4,686 |
| Average equity | $14,973,000 | 4,022 |
| Average total loans | $88,551,500 | 4,240 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9018% | 2,226 |
| Cost of funding earning assets | 2.3920% | 1,329 |
| Net interest margin | 3.5098% | 4,912 |
| Noninterest income to average assets | 0.4268% | 4,996 |
| Noninterest expense to average assets | 3.2763% | 3,098 |
| Loan and lease loss provision to assets | 0.3680% | 4,585 |
| Net operating income to assets | -0.0532% | 5,589 |
| Return on assets (ROA) | 0.0626% | 5,360 |
| Pretax return on assets | 0.0626% | 5,294 |
| Return on Equity (ROE) | 0.4526% | 5,403 |
| Retained earnings to average equity (ytd only) | 0.4526% | 4,652 |
| Net charge-offs to loans | 0.5525% | 3,573 |
| Credit loss provision to net charge-offs | 82.2547% | 6,239 |
| Earnings coverage of net charge-offs (x) | 0.7035% | 5,396 |
| Efficiency ratio | 91.2354% | 1,622 |
| Assets per employee ($millions) | 3.4831% | 5,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3562% | 4,447 |
| Loan loss allowance to noncurrent loans | 215.3710% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 1.7757% | 3,708 |
| Noncurrent loans to loans | 0.6297% | 5,978 |
| Net loans and leases to total assets | 77.1372% | 1,559 |
| Net loans and leases to deposits | 94.4882% | 1,535 |
| Net loans and leases to core deposits | 151.4778% | 476 |
| Total domestic deposits to total assets | 81.6368% | 5,089 |
| Equity capital to assets | 12.9709% | 1,519 |
| Core capital (leverage) ratio | 13.0828% | 1,227 |
| Tier 1 risk-based capital ratio | 16.6335% | 2,265 |
| Total risk-based capital ratio | 17.8857% | 2,217 |
| Memoranda: | ||
| Average total assets | $107,073,200 | 4,899 |
| Average earning assets | $96,529,400 | 4,937 |
| Average equity | $14,803,000 | 4,095 |
| Average total loans | $86,692,200 | 4,307 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9032% | 2,436 |
| Cost of funding earning assets | 2.4369% | 1,500 |
| Net interest margin | 3.4663% | 5,007 |
| Noninterest income to average assets | 0.3945% | 5,343 |
| Noninterest expense to average assets | 3.3007% | 2,919 |
| Loan and lease loss provision to assets | 0.1433% | 5,921 |
| Net operating income to assets | 0.0901% | 5,495 |
| Return on assets (ROA) | 0.0901% | 5,548 |
| Pretax return on assets | 0.0901% | 5,544 |
| Return on Equity (ROE) | 0.6406% | 5,597 |
| Retained earnings to average equity (ytd only) | 0.6406% | 4,924 |
| Net charge-offs to loans | 0.6783% | 2,662 |
| Credit loss provision to net charge-offs | 25.8581% | 6,530 |
| Earnings coverage of net charge-offs (x) | 0.4211% | 5,609 |
| Efficiency ratio | 93.3955% | 1,439 |
| Assets per employee ($millions) | 3.6134% | 4,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1263% | 5,557 |
| Loan loss allowance to noncurrent loans | 134.0629% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 1.7890% | 3,668 |
| Noncurrent loans to loans | 0.8402% | 5,615 |
| Net loans and leases to total assets | 76.7995% | 1,819 |
| Net loans and leases to deposits | 94.9683% | 1,718 |
| Net loans and leases to core deposits | 151.9536% | 543 |
| Total domestic deposits to total assets | 80.8686% | 5,131 |
| Equity capital to assets | 13.5143% | 1,493 |
| Core capital (leverage) ratio | 13.5440% | 1,223 |
| Tier 1 risk-based capital ratio | 16.9084% | 2,306 |
| Total risk-based capital ratio | 18.0621% | 2,285 |
| Memoranda: | ||
| Average total assets | $105,106,000 | 4,985 |
| Average earning assets | $95,201,000 | 4,998 |
| Average equity | $14,776,500 | 4,138 |
| Average total loans | $85,894,750 | 4,371 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9868% | 2,232 |
| Cost of funding earning assets | 2.4638% | 1,734 |
| Net interest margin | 3.5230% | 4,684 |
| Noninterest income to average assets | 0.3152% | 5,990 |
| Noninterest expense to average assets | 3.2898% | 2,999 |
| Loan and lease loss provision to assets | 0.1070% | 6,087 |
| Net operating income to assets | 0.1148% | 5,520 |
| Return on assets (ROA) | 0.1148% | 5,616 |
| Pretax return on assets | 0.1148% | 5,645 |
| Return on Equity (ROE) | 0.8051% | 5,690 |
| Retained earnings to average equity (ytd only) | 0.8051% | 4,868 |
| Net charge-offs to loans | 0.6150% | 2,500 |
| Credit loss provision to net charge-offs | 20.9125% | 6,118 |
| Earnings coverage of net charge-offs (x) | 0.4335% | 5,264 |
| Efficiency ratio | 93.6842% | 1,521 |
| Assets per employee ($millions) | 3.4753% | 4,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2738% | 4,438 |
| Loan loss allowance to noncurrent loans | 127.4419% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 1.4926% | 3,997 |
| Noncurrent loans to loans | 0.9995% | 5,206 |
| Net loans and leases to total assets | 78.8500% | 1,562 |
| Net loans and leases to deposits | 99.3172% | 1,353 |
| Net loans and leases to core deposits | 161.3405% | 434 |
| Total domestic deposits to total assets | 79.3920% | 5,688 |
| Equity capital to assets | 13.9704% | 1,319 |
| Core capital (leverage) ratio | 14.2116% | 1,092 |
| Tier 1 risk-based capital ratio | 16.6295% | 2,411 |
| Total risk-based capital ratio | 17.8800% | 2,361 |
| Memoranda: | ||
| Average total assets | $102,803,000 | 5,081 |
| Average earning assets | $93,271,670 | 5,086 |
| Average equity | $14,656,000 | 4,172 |
| Average total loans | $85,524,000 | 4,414 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0830% | 2,003 |
| Cost of funding earning assets | 2.5562% | 1,720 |
| Net interest margin | 3.5268% | 4,625 |
| Noninterest income to average assets | 0.3070% | 5,987 |
| Noninterest expense to average assets | 3.2251% | 2,879 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.2830% | 5,358 |
| Return on assets (ROA) | 0.2830% | 5,528 |
| Pretax return on assets | 0.2830% | 5,721 |
| Return on Equity (ROE) | 1.9642% | 5,786 |
| Retained earnings to average equity (ytd only) | 1.9642% | 4,763 |
| Net charge-offs to loans | 1.0978% | 1,240 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 0.3034% | 4,735 |
| Efficiency ratio | 91.9318% | 1,572 |
| Assets per employee ($millions) | 3.1813% | 5,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2575% | 4,360 |
| Loan loss allowance to noncurrent loans | 179.6980% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 1.2957% | 4,088 |
| Noncurrent loans to loans | 0.6998% | 5,664 |
| Net loans and leases to total assets | 82.6104% | 916 |
| Net loans and leases to deposits | 105.4797% | 909 |
| Net loans and leases to core deposits | 179.1360% | 246 |
| Total domestic deposits to total assets | 78.3187% | 5,920 |
| Equity capital to assets | 14.8190% | 1,158 |
| Core capital (leverage) ratio | 14.7075% | 1,032 |
| Tier 1 risk-based capital ratio | 16.9623% | 2,353 |
| Total risk-based capital ratio | 18.2125% | 2,282 |
| Memoranda: | ||
| Average total assets | $100,337,000 | 5,171 |
| Average earning assets | $91,073,000 | 5,185 |
| Average equity | $14,458,500 | 4,234 |
| Average total loans | $85,263,500 | 4,448 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7441% | 1,886 |
| Cost of funding earning assets | 3.1458% | 1,369 |
| Net interest margin | 3.5984% | 4,897 |
| Noninterest income to average assets | 0.2599% | 6,591 |
| Noninterest expense to average assets | 3.9168% | 1,535 |
| Loan and lease loss provision to assets | 0.6504% | 2,237 |
| Net operating income to assets | -1.0599% | 7,275 |
| Return on assets (ROA) | -1.0599% | 7,206 |
| Pretax return on assets | -1.0599% | 7,038 |
| Return on Equity (ROE) | -6.6072% | 7,010 |
| Retained earnings to average equity (ytd only) | -6.6072% | 6,741 |
| Net charge-offs to loans | 0.0997% | 5,321 |
| Credit loss provision to net charge-offs | 791.7808% | 547 |
| Earnings coverage of net charge-offs (x) | -4.9863% | 6,833 |
| Efficiency ratio | 111.6779% | 682 |
| Assets per employee ($millions) | 3.0898% | 5,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5289% | 2,548 |
| Loan loss allowance to noncurrent loans | 88.7755% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 1.4868% | 3,248 |
| Noncurrent loans to loans | 1.7222% | 3,181 |
| Net loans and leases to total assets | 85.0109% | 736 |
| Net loans and leases to deposits | 109.6955% | 856 |
| Net loans and leases to core deposits | 191.7157% | 208 |
| Total domestic deposits to total assets | 77.4972% | 5,878 |
| Equity capital to assets | 13.9888% | 1,427 |
| Core capital (leverage) ratio | 14.2415% | 1,211 |
| Tier 1 risk-based capital ratio | 16.0650% | 2,642 |
| Total risk-based capital ratio | 17.3194% | 2,585 |
| Memoranda: | ||
| Average total assets | $88,874,400 | 5,391 |
| Average earning assets | $80,203,200 | 5,426 |
| Average equity | $14,257,200 | 4,278 |
| Average total loans | $73,239,400 | 4,761 |