Home > Kaw Valley Bank > Performance and Condition Ratios
Kaw Valley Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0338% | 1,132 |
| Cost of funding earning assets | 1.3981% | 3,413 |
| Net interest margin | 4.6357% | 513 |
| Noninterest income to average assets | 0.5300% | 1,608 |
| Noninterest expense to average assets | 3.1598% | 923 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.2882% | 1,501 |
| Return on assets (ROA) | 1.2882% | 1,496 |
| Pretax return on assets | 1.6776% | 1,149 |
| Return on Equity (ROE) | 11.2100% | 1,962 |
| Retained earnings to average equity (ytd only) | 11.2125% | 921 |
| Net charge-offs to loans | -0.0033% | 3,636 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 65.3207% | 2,324 |
| Assets per employee ($millions) | 6.0286% | 2,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3160% | 1,632 |
| Loan loss allowance to noncurrent loans | 5,381.6667% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.0188% | 3,601 |
| Noncurrent loans to loans | 0.0245% | 3,590 |
| Net loans and leases to total assets | 75.7800% | 1,113 |
| Net loans and leases to deposits | 90.5458% | 1,061 |
| Net loans and leases to core deposits | 102.2633% | 1,238 |
| Total domestic deposits to total assets | 83.6900% | 2,975 |
| Equity capital to assets | 11.4577% | 1,434 |
| Core capital (leverage) ratio | 11.3584% | 1,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $313,307,500 | 2,420 |
| Average earning assets | $290,961,000 | 2,416 |
| Average equity | $35,995,500 | 2,189 |
| Average total loans | $245,100,500 | 2,142 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1819% | 1,056 |
| Cost of funding earning assets | 1.3863% | 3,539 |
| Net interest margin | 4.7955% | 444 |
| Noninterest income to average assets | 0.5900% | 1,538 |
| Noninterest expense to average assets | 3.2744% | 788 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.3061% | 1,271 |
| Return on assets (ROA) | 1.3061% | 1,279 |
| Pretax return on assets | 1.7233% | 935 |
| Return on Equity (ROE) | 11.1200% | 1,851 |
| Retained earnings to average equity (ytd only) | 0.8113% | 3,724 |
| Net charge-offs to loans | 0.0534% | 1,601 |
| Credit loss provision to net charge-offs | -248.4615% | 4,403 |
| Earnings coverage of net charge-offs (x) | 41.0538% | 1,326 |
| Efficiency ratio | 65.2668% | 2,566 |
| Assets per employee ($millions) | 4.2653% | 4,009 |
| Cash dividends to net income (ytd only)* | 92.7070% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3180% | 1,592 |
| Loan loss allowance to noncurrent loans | 6,454.0000% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.0163% | 3,614 |
| Noncurrent loans to loans | 0.0204% | 3,605 |
| Net loans and leases to total assets | 78.6800% | 814 |
| Net loans and leases to deposits | 93.7713% | 879 |
| Net loans and leases to core deposits | 103.8294% | 1,237 |
| Total domestic deposits to total assets | 83.9000% | 2,806 |
| Equity capital to assets | 11.5213% | 1,356 |
| Core capital (leverage) ratio | 11.2419% | 1,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $309,705,200 | 2,420 |
| Average earning assets | $284,493,400 | 2,429 |
| Average equity | $36,361,600 | 2,123 |
| Average total loans | $243,474,600 | 2,119 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0957% | 1,136 |
| Cost of funding earning assets | 1.3714% | 3,558 |
| Net interest margin | 4.7243% | 476 |
| Noninterest income to average assets | 0.5900% | 1,496 |
| Noninterest expense to average assets | 3.1842% | 861 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.3262% | 1,268 |
| Return on assets (ROA) | 1.3262% | 1,269 |
| Pretax return on assets | 1.7322% | 964 |
| Return on Equity (ROE) | 11.2400% | 1,830 |
| Retained earnings to average equity (ytd only) | 11.2436% | 612 |
| Net charge-offs to loans | 0.0559% | 1,345 |
| Credit loss provision to net charge-offs | -316.6667% | 4,443 |
| Earnings coverage of net charge-offs (x) | 39.5294% | 1,345 |
| Efficiency ratio | 64.4268% | 2,663 |
| Assets per employee ($millions) | 4.3122% | 4,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3029% | 1,703 |
| Loan loss allowance to noncurrent loans | 1,984.7561% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.0528% | 3,359 |
| Noncurrent loans to loans | 0.0656% | 3,372 |
| Net loans and leases to total assets | 79.4200% | 703 |
| Net loans and leases to deposits | 96.0994% | 719 |
| Net loans and leases to core deposits | 106.5941% | 1,103 |
| Total domestic deposits to total assets | 82.6400% | 2,949 |
| Equity capital to assets | 12.3327% | 1,160 |
| Core capital (leverage) ratio | 11.9571% | 1,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $310,356,500 | 2,410 |
| Average earning assets | $284,368,000 | 2,426 |
| Average equity | $36,606,500 | 2,111 |
| Average total loans | $243,133,500 | 2,110 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9831% | 1,197 |
| Cost of funding earning assets | 1.3574% | 3,536 |
| Net interest margin | 4.6256% | 532 |
| Noninterest income to average assets | 0.5700% | 1,568 |
| Noninterest expense to average assets | 3.1748% | 863 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.2510% | 1,361 |
| Return on assets (ROA) | 1.2510% | 1,363 |
| Pretax return on assets | 1.6332% | 1,076 |
| Return on Equity (ROE) | 10.7700% | 1,956 |
| Retained earnings to average equity (ytd only) | 10.7698% | 734 |
| Net charge-offs to loans | 0.0805% | 997 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 26.1237% | 1,472 |
| Efficiency ratio | 65.5094% | 2,602 |
| Assets per employee ($millions) | 4.1396% | 4,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4629% | 1,183 |
| Loan loss allowance to noncurrent loans | 6,285.9649% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.0186% | 3,603 |
| Noncurrent loans to loans | 0.0233% | 3,602 |
| Net loans and leases to total assets | 78.7900% | 813 |
| Net loans and leases to deposits | 95.3658% | 839 |
| Net loans and leases to core deposits | 105.3779% | 1,181 |
| Total domestic deposits to total assets | 82.6100% | 2,950 |
| Equity capital to assets | 12.0075% | 1,163 |
| Core capital (leverage) ratio | 11.6125% | 1,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $310,316,667 | 2,394 |
| Average earning assets | $284,068,333 | 2,420 |
| Average equity | $36,045,333 | 2,097 |
| Average total loans | $240,904,000 | 2,112 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7590% | 1,388 |
| Cost of funding earning assets | 1.3155% | 3,537 |
| Net interest margin | 4.4436% | 628 |
| Noninterest income to average assets | 0.5500% | 1,555 |
| Noninterest expense to average assets | 3.1610% | 881 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.1245% | 1,602 |
| Return on assets (ROA) | 1.1245% | 1,610 |
| Pretax return on assets | 1.4614% | 1,325 |
| Return on Equity (ROE) | 9.8400% | 2,178 |
| Retained earnings to average equity (ytd only) | 9.8440% | 1,148 |
| Net charge-offs to loans | 0.0569% | 988 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 33.5588% | 1,132 |
| Efficiency ratio | 67.8304% | 2,393 |
| Assets per employee ($millions) | 4.2281% | 4,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5173% | 1,026 |
| Loan loss allowance to noncurrent loans | 3,539.8058% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.0329% | 3,480 |
| Noncurrent loans to loans | 0.0429% | 3,456 |
| Net loans and leases to total assets | 75.6400% | 1,116 |
| Net loans and leases to deposits | 90.8806% | 1,140 |
| Net loans and leases to core deposits | 99.8102% | 1,434 |
| Total domestic deposits to total assets | 83.2300% | 2,919 |
| Equity capital to assets | 11.3847% | 1,353 |
| Core capital (leverage) ratio | 11.1441% | 1,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $312,308,000 | 2,392 |
| Average earning assets | $286,436,500 | 2,411 |
| Average equity | $35,676,500 | 2,109 |
| Average total loans | $238,891,000 | 2,115 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1982% | 1,665 |
| Cost of funding earning assets | 1.0407% | 3,209 |
| Net interest margin | 4.1575% | 995 |
| Noninterest income to average assets | 0.5700% | 1,647 |
| Noninterest expense to average assets | 3.0393% | 1,064 |
| Loan and lease loss provision to assets | -0.1900% | 4,556 |
| Net operating income to assets | 1.1613% | 1,751 |
| Return on assets (ROA) | 1.1613% | 1,727 |
| Pretax return on assets | 1.5160% | 1,381 |
| Return on Equity (ROE) | 10.2200% | 2,431 |
| Retained earnings to average equity (ytd only) | 1.7765% | 3,634 |
| Net charge-offs to loans | -0.0203% | 4,158 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 69.0757% | 2,002 |
| Assets per employee ($millions) | 4.2127% | 4,079 |
| Cash dividends to net income (ytd only)* | 82.6219% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5496% | 941 |
| Loan loss allowance to noncurrent loans | 1,579.3991% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.0747% | 3,052 |
| Noncurrent loans to loans | 0.0981% | 3,046 |
| Net loans and leases to total assets | 75.0000% | 1,244 |
| Net loans and leases to deposits | 88.7770% | 1,365 |
| Net loans and leases to core deposits | 96.9461% | 1,601 |
| Total domestic deposits to total assets | 84.4800% | 2,474 |
| Equity capital to assets | 11.4624% | 1,298 |
| Core capital (leverage) ratio | 10.8645% | 2,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $312,667,200 | 2,357 |
| Average earning assets | $285,002,000 | 2,383 |
| Average equity | $35,518,600 | 2,035 |
| Average total loans | $241,508,200 | 2,051 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0648% | 1,701 |
| Cost of funding earning assets | 0.9789% | 3,094 |
| Net interest margin | 4.0859% | 1,088 |
| Noninterest income to average assets | 0.5700% | 1,641 |
| Noninterest expense to average assets | 3.0271% | 1,036 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9745% | 2,436 |
| Return on assets (ROA) | 0.9745% | 2,431 |
| Pretax return on assets | 1.2643% | 2,132 |
| Return on Equity (ROE) | 8.6000% | 3,031 |
| Retained earnings to average equity (ytd only) | 2.9587% | 3,527 |
| Net charge-offs to loans | -0.0291% | 4,240 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 69.9533% | 1,788 |
| Assets per employee ($millions) | 4.2305% | 4,073 |
| Cash dividends to net income (ytd only)* | 65.5881% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7565% | 620 |
| Loan loss allowance to noncurrent loans | 636.8341% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.2099% | 2,211 |
| Noncurrent loans to loans | 0.2758% | 2,251 |
| Net loans and leases to total assets | 74.7500% | 1,265 |
| Net loans and leases to deposits | 88.0937% | 1,375 |
| Net loans and leases to core deposits | 96.5628% | 1,527 |
| Total domestic deposits to total assets | 84.8600% | 2,542 |
| Equity capital to assets | 11.4580% | 1,194 |
| Core capital (leverage) ratio | 10.8485% | 2,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $312,899,000 | 2,359 |
| Average earning assets | $284,810,250 | 2,384 |
| Average equity | $35,465,000 | 2,028 |
| Average total loans | $242,514,500 | 2,043 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9245% | 1,701 |
| Cost of funding earning assets | 0.9082% | 2,897 |
| Net interest margin | 4.0163% | 1,212 |
| Noninterest income to average assets | 0.5700% | 1,585 |
| Noninterest expense to average assets | 3.0302% | 996 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9270% | 2,660 |
| Return on assets (ROA) | 0.9270% | 2,649 |
| Pretax return on assets | 1.2019% | 2,353 |
| Return on Equity (ROE) | 8.2100% | 3,183 |
| Retained earnings to average equity (ytd only) | -0.2830% | 4,137 |
| Net charge-offs to loans | 0.0287% | 1,312 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 53.7143% | 1,250 |
| Efficiency ratio | 71.0121% | 1,668 |
| Assets per employee ($millions) | 4.1405% | 4,123 |
| Cash dividends to net income (ytd only)* | 103.4483% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7932% | 622 |
| Loan loss allowance to noncurrent loans | 97.7335% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 1.4207% | 257 |
| Noncurrent loans to loans | 1.8348% | 327 |
| Net loans and leases to total assets | 76.0400% | 1,043 |
| Net loans and leases to deposits | 88.3201% | 1,314 |
| Net loans and leases to core deposits | 96.3790% | 1,447 |
| Total domestic deposits to total assets | 86.1000% | 2,206 |
| Equity capital to assets | 11.2877% | 1,278 |
| Core capital (leverage) ratio | 10.6268% | 2,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $312,846,333 | 2,366 |
| Average earning assets | $285,188,000 | 2,393 |
| Average equity | $35,330,000 | 2,048 |
| Average total loans | $243,951,000 | 2,033 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8006% | 1,614 |
| Cost of funding earning assets | 0.7985% | 2,746 |
| Net interest margin | 4.0021% | 1,259 |
| Noninterest income to average assets | 0.5600% | 1,579 |
| Noninterest expense to average assets | 2.9962% | 1,068 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9312% | 2,751 |
| Return on assets (ROA) | 0.9312% | 2,707 |
| Pretax return on assets | 1.2115% | 2,401 |
| Return on Equity (ROE) | 8.2400% | 3,233 |
| Retained earnings to average equity (ytd only) | 8.2439% | 2,154 |
| Net charge-offs to loans | 0.0326% | 1,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 47.5500% | 1,119 |
| Efficiency ratio | 70.6025% | 1,687 |
| Assets per employee ($millions) | 4.2152% | 4,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7587% | 709 |
| Loan loss allowance to noncurrent loans | 96.7143% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 1.3966% | 246 |
| Noncurrent loans to loans | 1.8184% | 336 |
| Net loans and leases to total assets | 75.4500% | 1,027 |
| Net loans and leases to deposits | 87.3270% | 1,267 |
| Net loans and leases to core deposits | 94.8998% | 1,334 |
| Total domestic deposits to total assets | 86.4000% | 2,475 |
| Equity capital to assets | 11.1861% | 1,274 |
| Core capital (leverage) ratio | 10.7232% | 2,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $313,999,000 | 2,392 |
| Average earning assets | $286,547,000 | 2,420 |
| Average equity | $35,468,500 | 2,065 |
| Average total loans | $245,697,500 | 2,045 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0314% | 1,636 |
| Cost of funding earning assets | 0.3838% | 2,232 |
| Net interest margin | 3.6476% | 1,495 |
| Noninterest income to average assets | 0.5800% | 1,741 |
| Noninterest expense to average assets | 2.7720% | 1,374 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8797% | 3,049 |
| Return on assets (ROA) | 0.8797% | 2,987 |
| Pretax return on assets | 1.1402% | 2,641 |
| Return on Equity (ROE) | 8.1300% | 3,354 |
| Retained earnings to average equity (ytd only) | -0.3478% | 4,391 |
| Net charge-offs to loans | 0.0073% | 2,130 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 207.1667% | 634 |
| Efficiency ratio | 70.2384% | 1,648 |
| Assets per employee ($millions) | 3.9442% | 4,301 |
| Cash dividends to net income (ytd only)* | 104.2753% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9388% | 482 |
| Loan loss allowance to noncurrent loans | 112.5917% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 1.3733% | 251 |
| Noncurrent loans to loans | 1.7220% | 357 |
| Net loans and leases to total assets | 78.2100% | 776 |
| Net loans and leases to deposits | 92.7955% | 862 |
| Net loans and leases to core deposits | 96.4495% | 1,179 |
| Total domestic deposits to total assets | 84.2800% | 3,153 |
| Equity capital to assets | 11.4099% | 1,110 |
| Core capital (leverage) ratio | 11.1093% | 1,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $327,057,800 | 2,311 |
| Average earning assets | $298,579,600 | 2,343 |
| Average equity | $35,368,400 | 2,091 |
| Average total loans | $245,561,800 | 1,968 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8508% | 1,617 |
| Cost of funding earning assets | 0.3511% | 1,692 |
| Net interest margin | 3.4997% | 1,663 |
| Noninterest income to average assets | 0.5800% | 1,791 |
| Noninterest expense to average assets | 2.7280% | 1,406 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8078% | 3,229 |
| Return on assets (ROA) | 0.8078% | 3,189 |
| Pretax return on assets | 1.0460% | 2,882 |
| Return on Equity (ROE) | 7.5700% | 3,445 |
| Retained earnings to average equity (ytd only) | 1.9227% | 4,049 |
| Net charge-offs to loans | 0.0076% | 1,855 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 186.0000% | 648 |
| Efficiency ratio | 71.6551% | 1,568 |
| Assets per employee ($millions) | 4.1145% | 4,268 |
| Cash dividends to net income (ytd only)* | 74.5898% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9300% | 568 |
| Loan loss allowance to noncurrent loans | 104.7514% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 1.4165% | 250 |
| Noncurrent loans to loans | 1.8424% | 338 |
| Net loans and leases to total assets | 75.4000% | 974 |
| Net loans and leases to deposits | 88.1739% | 1,024 |
| Net loans and leases to core deposits | 91.1900% | 1,221 |
| Total domestic deposits to total assets | 85.5100% | 3,172 |
| Equity capital to assets | 11.1364% | 1,132 |
| Core capital (leverage) ratio | 10.9922% | 1,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $331,911,000 | 2,309 |
| Average earning assets | $303,062,000 | 2,337 |
| Average equity | $35,435,000 | 2,126 |
| Average total loans | $245,612,250 | 1,968 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6826% | 1,584 |
| Cost of funding earning assets | 0.3509% | 1,250 |
| Net interest margin | 3.3317% | 1,813 |
| Noninterest income to average assets | 0.5883% | 1,790 |
| Noninterest expense to average assets | 2.7023% | 1,388 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7456% | 3,155 |
| Return on assets (ROA) | 0.7456% | 3,111 |
| Pretax return on assets | 0.9643% | 2,850 |
| Return on Equity (ROE) | 7.0811% | 3,291 |
| Retained earnings to average equity (ytd only) | -1.4094% | 4,332 |
| Net charge-offs to loans | -0.0155% | 3,775 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0657% | 1,615 |
| Assets per employee ($millions) | 4.2119% | 4,262 |
| Cash dividends to net income (ytd only)* | 119.9041% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9432% | 611 |
| Loan loss allowance to noncurrent loans | 104.2174% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 1.4002% | 269 |
| Noncurrent loans to loans | 1.8646% | 360 |
| Net loans and leases to total assets | 73.6355% | 948 |
| Net loans and leases to deposits | 84.4813% | 1,088 |
| Net loans and leases to core deposits | 87.5542% | 1,244 |
| Total domestic deposits to total assets | 87.1619% | 2,880 |
| Equity capital to assets | 10.6472% | 1,373 |
| Core capital (leverage) ratio | 10.4548% | 1,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $335,571,000 | 2,306 |
| Average earning assets | $310,050,667 | 2,325 |
| Average equity | $35,333,333 | 2,188 |
| Average total loans | $245,235,667 | 1,965 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5488% | 1,646 |
| Cost of funding earning assets | 0.3686% | 1,068 |
| Net interest margin | 3.1802% | 1,941 |
| Noninterest income to average assets | 0.6004% | 1,696 |
| Noninterest expense to average assets | 2.6931% | 1,388 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6665% | 3,171 |
| Return on assets (ROA) | 0.6665% | 3,156 |
| Pretax return on assets | 0.8588% | 2,914 |
| Return on Equity (ROE) | 6.3643% | 3,232 |
| Retained earnings to average equity (ytd only) | 6.3643% | 2,123 |
| Net charge-offs to loans | -0.0098% | 3,581 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1578% | 1,618 |
| Assets per employee ($millions) | 4.4898% | 4,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9798% | 638 |
| Loan loss allowance to noncurrent loans | 101.2063% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 1.3667% | 282 |
| Noncurrent loans to loans | 1.9562% | 379 |
| Net loans and leases to total assets | 68.4855% | 1,165 |
| Net loans and leases to deposits | 79.4605% | 1,185 |
| Net loans and leases to core deposits | 82.3798% | 1,330 |
| Total domestic deposits to total assets | 86.1882% | 3,198 |
| Equity capital to assets | 10.3529% | 1,655 |
| Core capital (leverage) ratio | 10.4359% | 1,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $339,092,000 | 2,302 |
| Average earning assets | $314,695,500 | 2,314 |
| Average equity | $35,510,500 | 2,240 |
| Average total loans | $244,499,500 | 1,964 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0733% | 1,206 |
| Cost of funding earning assets | 0.4803% | 1,008 |
| Net interest margin | 3.5930% | 1,486 |
| Noninterest income to average assets | 0.6594% | 1,908 |
| Noninterest expense to average assets | 2.6798% | 1,686 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0220% | 2,583 |
| Return on assets (ROA) | 1.0220% | 2,659 |
| Pretax return on assets | 1.3151% | 2,315 |
| Return on Equity (ROE) | 9.5873% | 2,683 |
| Retained earnings to average equity (ytd only) | 1.1254% | 4,225 |
| Net charge-offs to loans | -0.0324% | 4,156 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4860% | 2,196 |
| Assets per employee ($millions) | 4.7496% | 3,929 |
| Cash dividends to net income (ytd only)* | 88.2613% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9300% | 690 |
| Loan loss allowance to noncurrent loans | 100.3151% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 1.4320% | 303 |
| Noncurrent loans to loans | 1.9240% | 411 |
| Net loans and leases to total assets | 72.9921% | 752 |
| Net loans and leases to deposits | 84.5127% | 881 |
| Net loans and leases to core deposits | 87.6502% | 1,096 |
| Total domestic deposits to total assets | 86.3682% | 2,773 |
| Equity capital to assets | 10.5963% | 2,092 |
| Core capital (leverage) ratio | 10.4084% | 1,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $332,594,800 | 2,281 |
| Average earning assets | $308,767,800 | 2,289 |
| Average equity | $35,453,200 | 2,270 |
| Average total loans | $246,936,000 | 1,947 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1827% | 1,135 |
| Cost of funding earning assets | 0.5065% | 1,019 |
| Net interest margin | 3.6762% | 1,394 |
| Noninterest income to average assets | 0.6594% | 1,976 |
| Noninterest expense to average assets | 2.6736% | 1,653 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0831% | 2,616 |
| Return on assets (ROA) | 1.0831% | 2,675 |
| Pretax return on assets | 1.3957% | 2,350 |
| Return on Equity (ROE) | 10.1455% | 2,685 |
| Retained earnings to average equity (ytd only) | 4.5133% | 3,402 |
| Net charge-offs to loans | -0.0308% | 4,141 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1202% | 2,234 |
| Assets per employee ($millions) | 4.1318% | 4,373 |
| Cash dividends to net income (ytd only)* | 55.5144% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9482% | 701 |
| Loan loss allowance to noncurrent loans | 98.5892% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 1.4582% | 346 |
| Noncurrent loans to loans | 1.9760% | 450 |
| Net loans and leases to total assets | 72.3570% | 840 |
| Net loans and leases to deposits | 84.0949% | 955 |
| Net loans and leases to core deposits | 87.6727% | 1,171 |
| Total domestic deposits to total assets | 86.0421% | 2,730 |
| Equity capital to assets | 10.9024% | 2,085 |
| Core capital (leverage) ratio | 11.1377% | 1,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $332,625,250 | 2,297 |
| Average earning assets | $308,534,750 | 2,312 |
| Average equity | $35,509,000 | 2,296 |
| Average total loans | $246,806,250 | 1,978 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3723% | 888 |
| Cost of funding earning assets | 0.5368% | 1,006 |
| Net interest margin | 3.8355% | 1,089 |
| Noninterest income to average assets | 0.6354% | 2,066 |
| Noninterest expense to average assets | 2.6773% | 1,649 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1736% | 2,284 |
| Return on assets (ROA) | 1.1736% | 2,351 |
| Pretax return on assets | 1.5163% | 1,970 |
| Return on Equity (ROE) | 11.0718% | 2,400 |
| Retained earnings to average equity (ytd only) | 2.5812% | 3,974 |
| Net charge-offs to loans | -0.0460% | 4,335 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2852% | 2,523 |
| Assets per employee ($millions) | 4.1727% | 4,348 |
| Cash dividends to net income (ytd only)* | 76.6871% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8911% | 749 |
| Loan loss allowance to noncurrent loans | 97.3571% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 1.4807% | 390 |
| Noncurrent loans to loans | 1.9425% | 509 |
| Net loans and leases to total assets | 74.7861% | 694 |
| Net loans and leases to deposits | 86.6485% | 872 |
| Net loans and leases to core deposits | 90.2458% | 1,126 |
| Total domestic deposits to total assets | 86.3098% | 2,623 |
| Equity capital to assets | 10.7055% | 2,220 |
| Core capital (leverage) ratio | 10.7038% | 1,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $333,319,333 | 2,288 |
| Average earning assets | $309,220,333 | 2,291 |
| Average equity | $35,333,000 | 2,298 |
| Average total loans | $247,767,333 | 1,979 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5929% | 676 |
| Cost of funding earning assets | 0.5633% | 1,036 |
| Net interest margin | 4.0296% | 811 |
| Noninterest income to average assets | 0.6003% | 2,212 |
| Noninterest expense to average assets | 2.7295% | 1,553 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2448% | 1,994 |
| Return on assets (ROA) | 1.2448% | 2,077 |
| Pretax return on assets | 1.6100% | 1,698 |
| Return on Equity (ROE) | 11.8005% | 2,091 |
| Retained earnings to average equity (ytd only) | 11.8005% | 1,203 |
| Net charge-offs to loans | -0.0764% | 4,551 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3487% | 2,694 |
| Assets per employee ($millions) | 4.2578% | 4,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9287% | 702 |
| Loan loss allowance to noncurrent loans | 94.8969% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 1.4670% | 441 |
| Noncurrent loans to loans | 2.0324% | 529 |
| Net loans and leases to total assets | 70.7895% | 1,180 |
| Net loans and leases to deposits | 81.9958% | 1,336 |
| Net loans and leases to core deposits | 85.6250% | 1,549 |
| Total domestic deposits to total assets | 86.3330% | 2,613 |
| Equity capital to assets | 10.5318% | 2,239 |
| Core capital (leverage) ratio | 10.9155% | 1,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $335,157,000 | 2,258 |
| Average earning assets | $310,999,000 | 2,264 |
| Average equity | $35,354,500 | 2,287 |
| Average total loans | $246,011,000 | 1,987 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9450% | 547 |
| Cost of funding earning assets | 0.8791% | 912 |
| Net interest margin | 4.0658% | 842 |
| Noninterest income to average assets | 0.5688% | 2,340 |
| Noninterest expense to average assets | 2.6888% | 2,272 |
| Loan and lease loss provision to assets | 0.5746% | 366 |
| Net operating income to assets | 0.9108% | 2,647 |
| Return on assets (ROA) | 0.9108% | 2,781 |
| Pretax return on assets | 1.0585% | 2,841 |
| Return on Equity (ROE) | 8.4078% | 2,648 |
| Retained earnings to average equity (ytd only) | -0.0564% | 4,524 |
| Net charge-offs to loans | 0.5551% | 275 |
| Credit loss provision to net charge-offs | 133.6176% | 2,526 |
| Earnings coverage of net charge-offs (x) | 3.7974% | 3,053 |
| Efficiency ratio | 61.6549% | 3,198 |
| Assets per employee ($millions) | 4.2817% | 4,139 |
| Cash dividends to net income (ytd only)* | 100.6711% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9077% | 709 |
| Loan loss allowance to noncurrent loans | 94.1082% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 1.5135% | 477 |
| Noncurrent loans to loans | 2.0272% | 560 |
| Net loans and leases to total assets | 73.2379% | 1,120 |
| Net loans and leases to deposits | 84.9262% | 1,368 |
| Net loans and leases to core deposits | 89.1683% | 1,591 |
| Total domestic deposits to total assets | 86.2371% | 2,258 |
| Equity capital to assets | 10.5660% | 2,613 |
| Core capital (leverage) ratio | 10.7023% | 2,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $327,172,400 | 2,151 |
| Average earning assets | $302,004,400 | 2,166 |
| Average equity | $35,443,200 | 2,215 |
| Average total loans | $253,476,200 | 1,906 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2325% | 389 |
| Cost of funding earning assets | 0.9354% | 946 |
| Net interest margin | 4.2971% | 586 |
| Noninterest income to average assets | 0.5484% | 2,389 |
| Noninterest expense to average assets | 2.7250% | 2,185 |
| Loan and lease loss provision to assets | 0.7065% | 296 |
| Net operating income to assets | 0.9505% | 2,520 |
| Return on assets (ROA) | 0.9505% | 2,655 |
| Pretax return on assets | 1.0804% | 2,806 |
| Return on Equity (ROE) | 8.7200% | 2,516 |
| Retained earnings to average equity (ytd only) | 4.9743% | 2,570 |
| Net charge-offs to loans | 0.7390% | 190 |
| Credit loss provision to net charge-offs | 122.2615% | 2,489 |
| Earnings coverage of net charge-offs (x) | 3.0926% | 2,936 |
| Efficiency ratio | 59.8643% | 3,406 |
| Assets per employee ($millions) | 4.3259% | 4,021 |
| Cash dividends to net income (ytd only)* | 42.9553% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7446% | 816 |
| Loan loss allowance to noncurrent loans | 79.6420% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 1.6673% | 478 |
| Noncurrent loans to loans | 2.1905% | 534 |
| Net loans and leases to total assets | 74.7885% | 1,270 |
| Net loans and leases to deposits | 88.1672% | 1,466 |
| Net loans and leases to core deposits | 92.8630% | 1,720 |
| Total domestic deposits to total assets | 84.8258% | 2,505 |
| Equity capital to assets | 10.5898% | 2,712 |
| Core capital (leverage) ratio | 11.1857% | 1,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $326,543,000 | 2,136 |
| Average earning assets | $301,185,000 | 2,142 |
| Average equity | $35,595,250 | 2,183 |
| Average total loans | $255,306,750 | 1,891 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7740% | 198 |
| Cost of funding earning assets | 1.0044% | 975 |
| Net interest margin | 4.7696% | 298 |
| Noninterest income to average assets | 0.5661% | 2,274 |
| Noninterest expense to average assets | 2.7598% | 2,188 |
| Loan and lease loss provision to assets | 0.9830% | 214 |
| Net operating income to assets | 1.0993% | 1,968 |
| Return on assets (ROA) | 1.0993% | 2,086 |
| Pretax return on assets | 1.2194% | 2,297 |
| Return on Equity (ROE) | 9.9839% | 1,990 |
| Retained earnings to average equity (ytd only) | 4.3337% | 2,764 |
| Net charge-offs to loans | 0.7434% | 207 |
| Credit loss provision to net charge-offs | 167.5504% | 2,045 |
| Earnings coverage of net charge-offs (x) | 3.7540% | 2,656 |
| Efficiency ratio | 55.1279% | 4,049 |
| Assets per employee ($millions) | 4.3709% | 3,938 |
| Cash dividends to net income (ytd only)* | 56.5931% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8585% | 581 |
| Loan loss allowance to noncurrent loans | 64.5371% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 2.2084% | 300 |
| Noncurrent loans to loans | 2.8798% | 359 |
| Net loans and leases to total assets | 75.2592% | 1,239 |
| Net loans and leases to deposits | 88.3310% | 1,520 |
| Net loans and leases to core deposits | 93.5014% | 1,787 |
| Total domestic deposits to total assets | 85.2014% | 2,310 |
| Equity capital to assets | 10.4526% | 2,788 |
| Core capital (leverage) ratio | 11.0140% | 1,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $321,475,667 | 2,140 |
| Average earning assets | $296,293,000 | 2,148 |
| Average equity | $35,397,000 | 2,187 |
| Average total loans | $253,701,000 | 1,877 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5491% | 336 |
| Cost of funding earning assets | 1.1070% | 1,024 |
| Net interest margin | 4.4421% | 574 |
| Noninterest income to average assets | 0.6120% | 1,987 |
| Noninterest expense to average assets | 2.8318% | 2,334 |
| Loan and lease loss provision to assets | 0.6929% | 384 |
| Net operating income to assets | 1.0714% | 1,932 |
| Return on assets (ROA) | 1.0714% | 2,034 |
| Pretax return on assets | 1.1702% | 2,302 |
| Return on Equity (ROE) | 9.4678% | 1,925 |
| Retained earnings to average equity (ytd only) | 9.4678% | 855 |
| Net charge-offs to loans | -0.1041% | 4,822 |
| Credit loss provision to net charge-offs | -830.7692% | 3,506 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7704% | 3,765 |
| Assets per employee ($millions) | 3.9336% | 4,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9446% | 556 |
| Loan loss allowance to noncurrent loans | 652.4324% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.2481% | 3,462 |
| Noncurrent loans to loans | 0.2980% | 3,432 |
| Net loans and leases to total assets | 78.3431% | 928 |
| Net loans and leases to deposits | 90.0778% | 1,504 |
| Net loans and leases to core deposits | 99.0005% | 1,554 |
| Total domestic deposits to total assets | 86.9727% | 1,566 |
| Equity capital to assets | 11.4875% | 2,444 |
| Core capital (leverage) ratio | 11.2305% | 2,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $311,748,000 | 2,143 |
| Average earning assets | $286,530,500 | 2,151 |
| Average equity | $35,277,500 | 2,188 |
| Average total loans | $249,831,000 | 1,855 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8785% | 274 |
| Cost of funding earning assets | 1.0986% | 1,329 |
| Net interest margin | 4.7799% | 410 |
| Noninterest income to average assets | 0.6180% | 2,145 |
| Noninterest expense to average assets | 2.8571% | 2,423 |
| Loan and lease loss provision to assets | 0.6161% | 193 |
| Net operating income to assets | 1.3579% | 1,482 |
| Return on assets (ROA) | 1.3579% | 1,558 |
| Pretax return on assets | 1.5385% | 1,689 |
| Return on Equity (ROE) | 12.2488% | 1,418 |
| Retained earnings to average equity (ytd only) | 4.3933% | 2,771 |
| Net charge-offs to loans | -0.1445% | 5,013 |
| Credit loss provision to net charge-offs | -512.0643% | 4,433 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5002% | 4,145 |
| Assets per employee ($millions) | 4.0095% | 3,890 |
| Cash dividends to net income (ytd only)* | 64.1330% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6795% | 832 |
| Loan loss allowance to noncurrent loans | 336.6826% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.4691% | 2,529 |
| Noncurrent loans to loans | 0.4988% | 2,688 |
| Net loans and leases to total assets | 79.0293% | 926 |
| Net loans and leases to deposits | 90.5533% | 1,528 |
| Net loans and leases to core deposits | 101.7304% | 1,430 |
| Total domestic deposits to total assets | 87.2738% | 1,472 |
| Equity capital to assets | 11.1456% | 2,863 |
| Core capital (leverage) ratio | 10.9125% | 2,579 |
| Tier 1 risk-based capital ratio | 13.7100% | 3,412 |
| Total risk-based capital ratio | 14.9654% | 3,310 |
| Memoranda: | ||
| Average total assets | $310,039,600 | 2,106 |
| Average earning assets | $284,987,400 | 2,116 |
| Average equity | $34,370,800 | 2,174 |
| Average total loans | $258,184,800 | 1,787 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8898% | 300 |
| Cost of funding earning assets | 1.0847% | 1,406 |
| Net interest margin | 4.8050% | 412 |
| Noninterest income to average assets | 0.6185% | 2,113 |
| Noninterest expense to average assets | 2.8695% | 2,346 |
| Loan and lease loss provision to assets | 0.5258% | 227 |
| Net operating income to assets | 1.4365% | 1,366 |
| Return on assets (ROA) | 1.4365% | 1,420 |
| Pretax return on assets | 1.6429% | 1,488 |
| Return on Equity (ROE) | 12.9751% | 1,284 |
| Retained earnings to average equity (ytd only) | 7.1357% | 1,795 |
| Net charge-offs to loans | -0.1888% | 5,103 |
| Credit loss provision to net charge-offs | -331.5217% | 4,257 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4500% | 4,117 |
| Assets per employee ($millions) | 4.1561% | 3,687 |
| Cash dividends to net income (ytd only)* | 45.0045% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3726% | 1,675 |
| Loan loss allowance to noncurrent loans | 286.1314% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.4062% | 2,883 |
| Noncurrent loans to loans | 0.4797% | 2,858 |
| Net loans and leases to total assets | 80.2575% | 816 |
| Net loans and leases to deposits | 92.0962% | 1,427 |
| Net loans and leases to core deposits | 103.3180% | 1,385 |
| Total domestic deposits to total assets | 87.1453% | 1,450 |
| Equity capital to assets | 11.1381% | 2,978 |
| Core capital (leverage) ratio | 10.4262% | 3,162 |
| Tier 1 risk-based capital ratio | 12.7076% | 4,028 |
| Total risk-based capital ratio | 13.9596% | 3,898 |
| Memoranda: | ||
| Average total assets | $309,364,250 | 2,120 |
| Average earning assets | $284,555,000 | 2,134 |
| Average equity | $34,249,250 | 2,192 |
| Average total loans | $259,886,250 | 1,790 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9073% | 280 |
| Cost of funding earning assets | 1.0780% | 1,387 |
| Net interest margin | 4.8293% | 388 |
| Noninterest income to average assets | 0.5951% | 2,175 |
| Noninterest expense to average assets | 2.8828% | 2,326 |
| Loan and lease loss provision to assets | 0.5078% | 228 |
| Net operating income to assets | 1.4330% | 1,338 |
| Return on assets (ROA) | 1.4330% | 1,387 |
| Pretax return on assets | 1.6348% | 1,443 |
| Return on Equity (ROE) | 12.9705% | 1,254 |
| Retained earnings to average equity (ytd only) | 4.1310% | 3,179 |
| Net charge-offs to loans | -0.2952% | 5,182 |
| Credit loss provision to net charge-offs | -202.5974% | 3,993 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8597% | 4,144 |
| Assets per employee ($millions) | 3.9060% | 3,988 |
| Cash dividends to net income (ytd only)* | 68.1508% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1967% | 2,542 |
| Loan loss allowance to noncurrent loans | 286.3469% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.4027% | 2,895 |
| Noncurrent loans to loans | 0.4179% | 3,038 |
| Net loans and leases to total assets | 84.1132% | 351 |
| Net loans and leases to deposits | 97.2790% | 912 |
| Net loans and leases to core deposits | 108.1597% | 1,090 |
| Total domestic deposits to total assets | 86.4659% | 1,835 |
| Equity capital to assets | 11.1771% | 2,887 |
| Core capital (leverage) ratio | 9.8945% | 3,708 |
| Tier 1 risk-based capital ratio | 12.1138% | 4,352 |
| Total risk-based capital ratio | 13.3519% | 4,249 |
| Memoranda: | ||
| Average total assets | $307,198,330 | 2,137 |
| Average earning assets | $281,822,000 | 2,156 |
| Average equity | $33,938,670 | 2,200 |
| Average total loans | $260,838,000 | 1,791 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8445% | 284 |
| Cost of funding earning assets | 1.0088% | 1,535 |
| Net interest margin | 4.8357% | 376 |
| Noninterest income to average assets | 0.5498% | 2,287 |
| Noninterest expense to average assets | 2.8360% | 2,456 |
| Loan and lease loss provision to assets | 0.5057% | 212 |
| Net operating income to assets | 1.4459% | 1,247 |
| Return on assets (ROA) | 1.4459% | 1,275 |
| Pretax return on assets | 1.6650% | 1,297 |
| Return on Equity (ROE) | 13.1635% | 1,166 |
| Retained earnings to average equity (ytd only) | 13.1635% | 442 |
| Net charge-offs to loans | -0.7111% | 5,290 |
| Credit loss provision to net charge-offs | -83.8710% | 3,531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1254% | 4,317 |
| Assets per employee ($millions) | 4.0860% | 3,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0675% | 3,318 |
| Loan loss allowance to noncurrent loans | 268.3958% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 0.3716% | 3,104 |
| Noncurrent loans to loans | 0.3977% | 3,165 |
| Net loans and leases to total assets | 83.3887% | 430 |
| Net loans and leases to deposits | 95.6538% | 1,004 |
| Net loans and leases to core deposits | 106.8059% | 1,117 |
| Total domestic deposits to total assets | 87.1776% | 1,727 |
| Equity capital to assets | 11.0921% | 2,753 |
| Core capital (leverage) ratio | 9.9764% | 3,629 |
| Tier 1 risk-based capital ratio | 12.2915% | 4,305 |
| Total risk-based capital ratio | 13.4078% | 4,256 |
| Memoranda: | ||
| Average total assets | $308,463,500 | 2,138 |
| Average earning assets | $284,300,000 | 2,146 |
| Average equity | $33,881,500 | 2,192 |
| Average total loans | $261,572,000 | 1,799 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5550% | 355 |
| Cost of funding earning assets | 0.8452% | 1,332 |
| Net interest margin | 4.7098% | 476 |
| Noninterest income to average assets | 0.5269% | 2,676 |
| Noninterest expense to average assets | 2.8760% | 2,429 |
| Loan and lease loss provision to assets | 0.4714% | 267 |
| Net operating income to assets | 1.3672% | 1,543 |
| Return on assets (ROA) | 1.3672% | 1,532 |
| Pretax return on assets | 1.5328% | 1,673 |
| Return on Equity (ROE) | 13.2335% | 1,258 |
| Retained earnings to average equity (ytd only) | 8.5999% | 1,012 |
| Net charge-offs to loans | -0.0491% | 4,969 |
| Credit loss provision to net charge-offs | -1,162.9921% | 4,756 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4162% | 4,095 |
| Assets per employee ($millions) | 3.9791% | 3,914 |
| Cash dividends to net income (ytd only)* | 35.0140% | 2,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7418% | 4,702 |
| Loan loss allowance to noncurrent loans | 212.3768% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 0.3065% | 3,340 |
| Noncurrent loans to loans | 0.3493% | 3,288 |
| Net loans and leases to total assets | 84.6824% | 349 |
| Net loans and leases to deposits | 96.9679% | 978 |
| Net loans and leases to core deposits | 108.5911% | 1,080 |
| Total domestic deposits to total assets | 87.3303% | 1,627 |
| Equity capital to assets | 10.8743% | 2,816 |
| Core capital (leverage) ratio | 9.7208% | 3,886 |
| Tier 1 risk-based capital ratio | 11.9550% | 4,452 |
| Total risk-based capital ratio | 12.7374% | 4,634 |
| Memoranda: | ||
| Average total assets | $313,350,600 | 2,073 |
| Average earning assets | $289,632,000 | 2,076 |
| Average equity | $32,372,400 | 2,195 |
| Average total loans | $258,818,400 | 1,786 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2551% | 560 |
| Cost of funding earning assets | 0.8069% | 1,303 |
| Net interest margin | 4.4482% | 821 |
| Noninterest income to average assets | 0.5772% | 2,434 |
| Noninterest expense to average assets | 2.8516% | 2,452 |
| Loan and lease loss provision to assets | 0.2348% | 687 |
| Net operating income to assets | 1.3676% | 1,598 |
| Return on assets (ROA) | 1.3676% | 1,600 |
| Pretax return on assets | 1.6054% | 1,564 |
| Return on Equity (ROE) | 13.4094% | 1,292 |
| Retained earnings to average equity (ytd only) | 13.4094% | 313 |
| Net charge-offs to loans | -0.0702% | 5,054 |
| Credit loss provision to net charge-offs | -408.0882% | 4,455 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2453% | 3,785 |
| Assets per employee ($millions) | 4.0880% | 3,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3901% | 5,291 |
| Loan loss allowance to noncurrent loans | 127.6119% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 0.3505% | 3,274 |
| Noncurrent loans to loans | 0.3057% | 3,580 |
| Net loans and leases to total assets | 84.3185% | 418 |
| Net loans and leases to deposits | 96.4945% | 1,092 |
| Net loans and leases to core deposits | 104.5488% | 1,415 |
| Total domestic deposits to total assets | 87.3816% | 1,554 |
| Equity capital to assets | 10.8613% | 2,788 |
| Core capital (leverage) ratio | 9.8323% | 3,815 |
| Tier 1 risk-based capital ratio | 12.0296% | 4,487 |
| Total risk-based capital ratio | 12.4402% | 4,852 |
| Memoranda: | ||
| Average total assets | $315,090,250 | 2,081 |
| Average earning assets | $291,466,750 | 2,080 |
| Average equity | $32,136,000 | 2,209 |
| Average total loans | $258,173,250 | 1,796 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1790% | 576 |
| Cost of funding earning assets | 0.7866% | 1,191 |
| Net interest margin | 4.3924% | 864 |
| Noninterest income to average assets | 0.6097% | 2,271 |
| Noninterest expense to average assets | 2.8886% | 2,385 |
| Loan and lease loss provision to assets | 0.1895% | 923 |
| Net operating income to assets | 1.3400% | 1,638 |
| Return on assets (ROA) | 1.3400% | 1,645 |
| Pretax return on assets | 1.5814% | 1,563 |
| Return on Equity (ROE) | 13.4242% | 1,235 |
| Retained earnings to average equity (ytd only) | 13.4242% | 326 |
| Net charge-offs to loans | 0.0444% | 1,979 |
| Credit loss provision to net charge-offs | 526.3158% | 680 |
| Earnings coverage of net charge-offs (x) | 49.1754% | 1,138 |
| Efficiency ratio | 61.4644% | 3,696 |
| Assets per employee ($millions) | 3.9612% | 3,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2252% | 5,451 |
| Loan loss allowance to noncurrent loans | 101.0490% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 0.2774% | 3,664 |
| Noncurrent loans to loans | 0.2229% | 3,921 |
| Net loans and leases to total assets | 82.8670% | 597 |
| Net loans and leases to deposits | 94.5627% | 1,294 |
| Net loans and leases to core deposits | 102.2443% | 1,546 |
| Total domestic deposits to total assets | 87.6318% | 1,573 |
| Equity capital to assets | 10.5722% | 3,050 |
| Core capital (leverage) ratio | 9.4023% | 4,243 |
| Tier 1 risk-based capital ratio | 11.9567% | 4,529 |
| Total risk-based capital ratio | 12.1956% | 4,972 |
| Memoranda: | ||
| Average total assets | $316,557,000 | 2,085 |
| Average earning assets | $291,871,000 | 2,089 |
| Average equity | $31,599,670 | 2,246 |
| Average total loans | $256,566,000 | 1,812 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0297% | 660 |
| Cost of funding earning assets | 0.7767% | 1,068 |
| Net interest margin | 4.2530% | 1,041 |
| Noninterest income to average assets | 0.6018% | 2,248 |
| Noninterest expense to average assets | 2.8806% | 2,445 |
| Loan and lease loss provision to assets | 0.1873% | 906 |
| Net operating income to assets | 1.2199% | 1,925 |
| Return on assets (ROA) | 1.2199% | 1,933 |
| Pretax return on assets | 1.4721% | 1,757 |
| Return on Equity (ROE) | 12.5793% | 1,385 |
| Retained earnings to average equity (ytd only) | 12.5793% | 582 |
| Net charge-offs to loans | -0.0062% | 4,082 |
| Credit loss provision to net charge-offs | -3,750.0000% | 4,398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8988% | 3,649 |
| Assets per employee ($millions) | 3.9489% | 4,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1926% | 5,520 |
| Loan loss allowance to noncurrent loans | 35.1799% | 4,726 |
| Noncurrent assets plus other real estate owned to assets | 0.5312% | 2,753 |
| Noncurrent loans to loans | 0.5474% | 2,884 |
| Net loans and leases to total assets | 80.2257% | 906 |
| Net loans and leases to deposits | 91.2828% | 1,524 |
| Net loans and leases to core deposits | 98.6778% | 1,792 |
| Total domestic deposits to total assets | 87.8869% | 1,685 |
| Equity capital to assets | 9.9862% | 3,608 |
| Core capital (leverage) ratio | 8.7989% | 4,894 |
| Tier 1 risk-based capital ratio | 11.6473% | 4,772 |
| Total risk-based capital ratio | 11.8524% | 5,219 |
| Memoranda: | ||
| Average total assets | $320,350,000 | 2,073 |
| Average earning assets | $296,636,000 | 2,085 |
| Average equity | $31,067,000 | 2,299 |
| Average total loans | $256,542,500 | 1,817 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1205% | 513 |
| Cost of funding earning assets | 0.9348% | 310 |
| Net interest margin | 4.1857% | 1,217 |
| Noninterest income to average assets | -0.0155% | 5,631 |
| Noninterest expense to average assets | 3.2656% | 1,447 |
| Loan and lease loss provision to assets | -0.6594% | 5,657 |
| Net operating income to assets | 0.6257% | 3,910 |
| Return on assets (ROA) | 0.1952% | 5,136 |
| Pretax return on assets | 0.5700% | 4,807 |
| Return on Equity (ROE) | 1.9107% | 5,077 |
| Retained earnings to average equity (ytd only) | -30.4558% | 5,640 |
| Net charge-offs to loans | 0.0106% | 3,718 |
| Credit loss provision to net charge-offs | -8,062.0690% | 5,263 |
| Earnings coverage of net charge-offs (x) | 71.3103% | 841 |
| Efficiency ratio | 84.5607% | 725 |
| Assets per employee ($millions) | 3.9608% | 4,030 |
| Cash dividends to net income (ytd only)* | 1,693.9306% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1293% | 5,595 |
| Loan loss allowance to noncurrent loans | 28.2939% | 4,879 |
| Noncurrent assets plus other real estate owned to assets | 0.4532% | 3,054 |
| Noncurrent loans to loans | 0.4569% | 3,140 |
| Net loans and leases to total assets | 79.6884% | 1,005 |
| Net loans and leases to deposits | 89.7576% | 1,804 |
| Net loans and leases to core deposits | 96.9000% | 1,952 |
| Total domestic deposits to total assets | 88.7818% | 1,101 |
| Equity capital to assets | 9.4173% | 4,308 |
| Core capital (leverage) ratio | 7.9653% | 5,461 |
| Tier 1 risk-based capital ratio | 10.6857% | 5,302 |
| Total risk-based capital ratio | 10.8231% | 5,575 |
| Memoranda: | ||
| Average total assets | $354,569,600 | 1,895 |
| Average earning assets | $327,351,800 | 1,902 |
| Average equity | $36,216,400 | 2,009 |
| Average total loans | $272,514,400 | 1,700 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1380% | 470 |
| Cost of funding earning assets | 0.9783% | 215 |
| Net interest margin | 4.1597% | 1,252 |
| Noninterest income to average assets | -0.2081% | 5,723 |
| Noninterest expense to average assets | 3.4186% | 1,125 |
| Loan and lease loss provision to assets | -0.9163% | 5,727 |
| Net operating income to assets | 1.2931% | 1,360 |
| Return on assets (ROA) | 0.4147% | 5,000 |
| Pretax return on assets | 0.2479% | 5,344 |
| Return on Equity (ROE) | 3.9903% | 4,857 |
| Retained earnings to average equity (ytd only) | -35.2461% | 5,710 |
| Net charge-offs to loans | 0.0227% | 3,008 |
| Credit loss provision to net charge-offs | -5,293.6170% | 5,172 |
| Earnings coverage of net charge-offs (x) | 12.1267% | 2,448 |
| Efficiency ratio | 94.0114% | 286 |
| Assets per employee ($millions) | 4.0141% | 3,965 |
| Cash dividends to net income (ytd only)* | 983.3011% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0626% | 5,677 |
| Loan loss allowance to noncurrent loans | 24.5228% | 5,016 |
| Noncurrent assets plus other real estate owned to assets | 0.2813% | 3,941 |
| Noncurrent loans to loans | 0.2553% | 4,048 |
| Net loans and leases to total assets | 77.2199% | 1,393 |
| Net loans and leases to deposits | 86.6755% | 2,218 |
| Net loans and leases to core deposits | 97.4245% | 1,938 |
| Total domestic deposits to total assets | 89.0908% | 836 |
| Equity capital to assets | 9.1749% | 4,749 |
| Core capital (leverage) ratio | 7.9513% | 5,524 |
| Tier 1 risk-based capital ratio | 10.5588% | 5,429 |
| Total risk-based capital ratio | 10.6245% | 5,667 |
| Memoranda: | ||
| Average total assets | $362,015,750 | 1,873 |
| Average earning assets | $333,897,000 | 1,883 |
| Average equity | $37,624,000 | 1,958 |
| Average total loans | $275,855,250 | 1,686 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4578% | 1,633 |
| Cost of funding earning assets | 1.0232% | 156 |
| Net interest margin | 3.4346% | 3,649 |
| Noninterest income to average assets | -0.5348% | 5,780 |
| Noninterest expense to average assets | 3.7224% | 752 |
| Loan and lease loss provision to assets | -1.4352% | 5,784 |
| Net operating income to assets | 0.5575% | 4,489 |
| Return on assets (ROA) | -0.2737% | 5,640 |
| Pretax return on assets | -0.9559% | 5,709 |
| Return on Equity (ROE) | -2.5399% | 5,638 |
| Retained earnings to average equity (ytd only) | -58.4483% | 5,767 |
| Net charge-offs to loans | 0.0459% | 2,295 |
| Credit loss provision to net charge-offs | -4,121.8750% | 5,052 |
| Earnings coverage of net charge-offs (x) | -31.3750% | 3,500 |
| Efficiency ratio | 141.3322% | 35 |
| Assets per employee ($millions) | 3.9358% | 4,074 |
| Cash dividends to net income (ytd only)* | -2,201.1928% | 5,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,731 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,194 |
| Noncurrent assets plus other real estate owned to assets | 1.3119% | 1,255 |
| Noncurrent loans to loans | 1.5132% | 1,241 |
| Net loans and leases to total assets | 79.3586% | 1,040 |
| Net loans and leases to deposits | 88.7646% | 1,893 |
| Net loans and leases to core deposits | 100.5956% | 1,610 |
| Total domestic deposits to total assets | 89.4035% | 759 |
| Equity capital to assets | 8.7736% | 5,087 |
| Core capital (leverage) ratio | 7.0244% | 5,713 |
| Tier 1 risk-based capital ratio | 9.1578% | 5,734 |
| Total risk-based capital ratio | 9.1578% | 5,762 |
| Memoranda: | ||
| Average total assets | $367,616,330 | 1,858 |
| Average earning assets | $338,729,670 | 1,861 |
| Average equity | $39,607,670 | 1,886 |
| Average total loans | $278,893,330 | 1,668 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3907% | 1,672 |
| Cost of funding earning assets | 1.1828% | 61 |
| Net interest margin | 3.2079% | 4,316 |
| Noninterest income to average assets | 0.5786% | 2,517 |
| Noninterest expense to average assets | 3.0141% | 2,132 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6600% | 3,882 |
| Return on assets (ROA) | 0.1799% | 5,436 |
| Pretax return on assets | -0.2125% | 5,669 |
| Return on Equity (ROE) | 1.5409% | 5,413 |
| Retained earnings to average equity (ytd only) | 1.5409% | 4,483 |
| Net charge-offs to loans | 0.0212% | 2,354 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 34.0667% | 1,136 |
| Efficiency ratio | 84.5675% | 922 |
| Assets per employee ($millions) | 3.8619% | 4,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8921% | 200 |
| Loan loss allowance to noncurrent loans | 130.9501% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 1.8432% | 759 |
| Noncurrent loans to loans | 2.2085% | 765 |
| Net loans and leases to total assets | 75.7266% | 1,454 |
| Net loans and leases to deposits | 88.9321% | 1,672 |
| Net loans and leases to core deposits | 101.4638% | 1,407 |
| Total domestic deposits to total assets | 85.1510% | 3,027 |
| Equity capital to assets | 12.3452% | 1,633 |
| Core capital (leverage) ratio | 10.8093% | 2,588 |
| Tier 1 risk-based capital ratio | 15.1752% | 2,890 |
| Total risk-based capital ratio | 16.4559% | 2,807 |
| Memoranda: | ||
| Average total assets | $380,217,500 | 1,814 |
| Average earning assets | $352,379,000 | 1,815 |
| Average equity | $44,390,500 | 1,700 |
| Average total loans | $282,472,500 | 1,659 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3641% | 1,935 |
| Cost of funding earning assets | 0.9072% | 282 |
| Net interest margin | 3.4569% | 3,599 |
| Noninterest income to average assets | 0.5788% | 2,766 |
| Noninterest expense to average assets | 2.7897% | 3,057 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6511% | 3,992 |
| Return on assets (ROA) | 0.6852% | 3,959 |
| Pretax return on assets | 1.0228% | 3,394 |
| Return on Equity (ROE) | 5.9993% | 3,981 |
| Retained earnings to average equity (ytd only) | 5.9993% | 1,705 |
| Net charge-offs to loans | -0.0580% | 5,435 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1606% | 2,268 |
| Assets per employee ($millions) | 4.3198% | 3,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9100% | 192 |
| Loan loss allowance to noncurrent loans | 128.9825% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 1.7181% | 892 |
| Noncurrent loans to loans | 2.2561% | 746 |
| Net loans and leases to total assets | 68.8584% | 2,638 |
| Net loans and leases to deposits | 89.0306% | 1,800 |
| Net loans and leases to core deposits | 101.7187% | 1,464 |
| Total domestic deposits to total assets | 77.3424% | 5,072 |
| Equity capital to assets | 11.0629% | 2,574 |
| Core capital (leverage) ratio | 10.6162% | 2,759 |
| Tier 1 risk-based capital ratio | 14.9134% | 3,006 |
| Total risk-based capital ratio | 16.1920% | 2,927 |
| Memoranda: | ||
| Average total assets | $385,595,000 | 1,740 |
| Average earning assets | $355,034,000 | 1,751 |
| Average equity | $44,038,800 | 1,687 |
| Average total loans | $272,187,600 | 1,658 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3758% | 1,925 |
| Cost of funding earning assets | 0.9006% | 295 |
| Net interest margin | 3.4752% | 3,556 |
| Noninterest income to average assets | 0.6460% | 2,445 |
| Noninterest expense to average assets | 2.9026% | 2,638 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5979% | 4,303 |
| Return on assets (ROA) | 0.6411% | 4,243 |
| Pretax return on assets | 0.9990% | 3,635 |
| Return on Equity (ROE) | 5.5684% | 4,279 |
| Retained earnings to average equity (ytd only) | 5.5684% | 2,448 |
| Net charge-offs to loans | -0.0371% | 5,250 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7066% | 2,020 |
| Assets per employee ($millions) | 4.3189% | 3,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9008% | 214 |
| Loan loss allowance to noncurrent loans | 117.9059% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 1.9819% | 789 |
| Noncurrent loans to loans | 2.4603% | 722 |
| Net loans and leases to total assets | 66.9420% | 2,964 |
| Net loans and leases to deposits | 85.3253% | 2,332 |
| Net loans and leases to core deposits | 97.1228% | 1,897 |
| Total domestic deposits to total assets | 78.4550% | 4,825 |
| Equity capital to assets | 11.1261% | 2,891 |
| Core capital (leverage) ratio | 10.3443% | 3,166 |
| Tier 1 risk-based capital ratio | 14.4589% | 3,303 |
| Total risk-based capital ratio | 15.7380% | 3,227 |
| Memoranda: | ||
| Average total assets | $382,638,750 | 1,750 |
| Average earning assets | $351,011,500 | 1,769 |
| Average equity | $44,057,000 | 1,697 |
| Average total loans | $269,769,750 | 1,674 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4029% | 1,822 |
| Cost of funding earning assets | 0.8917% | 306 |
| Net interest margin | 3.5113% | 3,448 |
| Noninterest income to average assets | 0.7368% | 1,984 |
| Noninterest expense to average assets | 3.1137% | 2,017 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5253% | 4,583 |
| Return on assets (ROA) | 0.5335% | 4,661 |
| Pretax return on assets | 0.8505% | 4,119 |
| Return on Equity (ROE) | 4.5781% | 4,687 |
| Retained earnings to average equity (ytd only) | 4.5781% | 2,997 |
| Net charge-offs to loans | -0.0661% | 5,472 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8010% | 1,678 |
| Assets per employee ($millions) | 4.1760% | 3,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9332% | 212 |
| Loan loss allowance to noncurrent loans | 117.8722% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 2.1621% | 725 |
| Noncurrent loans to loans | 2.4884% | 708 |
| Net loans and leases to total assets | 69.2928% | 2,586 |
| Net loans and leases to deposits | 88.0907% | 1,984 |
| Net loans and leases to core deposits | 98.6445% | 1,757 |
| Total domestic deposits to total assets | 78.6607% | 4,859 |
| Equity capital to assets | 11.5514% | 2,492 |
| Core capital (leverage) ratio | 10.5878% | 2,861 |
| Tier 1 risk-based capital ratio | 14.1832% | 3,506 |
| Total risk-based capital ratio | 15.4638% | 3,411 |
| Memoranda: | ||
| Average total assets | $374,860,330 | 1,788 |
| Average earning assets | $343,181,330 | 1,813 |
| Average equity | $43,686,330 | 1,709 |
| Average total loans | $266,397,670 | 1,685 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5097% | 1,479 |
| Cost of funding earning assets | 0.8893% | 311 |
| Net interest margin | 3.6204% | 3,004 |
| Noninterest income to average assets | 0.7465% | 1,829 |
| Noninterest expense to average assets | 3.3740% | 1,438 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3567% | 5,120 |
| Return on assets (ROA) | 0.3629% | 5,184 |
| Pretax return on assets | 0.6824% | 4,581 |
| Return on Equity (ROE) | 3.0999% | 5,199 |
| Retained earnings to average equity (ytd only) | 3.0999% | 3,967 |
| Net charge-offs to loans | -0.0567% | 5,385 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3781% | 1,214 |
| Assets per employee ($millions) | 4.0237% | 3,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0037% | 223 |
| Loan loss allowance to noncurrent loans | 103.7089% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 3.2367% | 373 |
| Noncurrent loans to loans | 2.8963% | 580 |
| Net loans and leases to total assets | 68.9930% | 2,499 |
| Net loans and leases to deposits | 85.4191% | 2,132 |
| Net loans and leases to core deposits | 95.2960% | 1,861 |
| Total domestic deposits to total assets | 80.7701% | 4,561 |
| Equity capital to assets | 11.4833% | 2,454 |
| Core capital (leverage) ratio | 10.8837% | 2,533 |
| Tier 1 risk-based capital ratio | 14.4550% | 3,416 |
| Total risk-based capital ratio | 15.7358% | 3,338 |
| Memoranda: | ||
| Average total assets | $368,106,500 | 1,822 |
| Average earning assets | $335,540,500 | 1,852 |
| Average equity | $43,098,500 | 1,725 |
| Average total loans | $260,975,000 | 1,719 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3017% | 2,229 |
| Cost of funding earning assets | 0.8796% | 316 |
| Net interest margin | 3.4220% | 3,829 |
| Noninterest income to average assets | 0.8475% | 1,615 |
| Noninterest expense to average assets | 3.3575% | 1,584 |
| Loan and lease loss provision to assets | -0.2987% | 6,061 |
| Net operating income to assets | 0.5857% | 4,353 |
| Return on assets (ROA) | 0.6534% | 4,118 |
| Pretax return on assets | 0.9640% | 3,602 |
| Return on Equity (ROE) | 5.4686% | 4,303 |
| Retained earnings to average equity (ytd only) | 5.4686% | 2,095 |
| Net charge-offs to loans | -0.0715% | 5,676 |
| Credit loss provision to net charge-offs | 604.0230% | 557 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5777% | 1,030 |
| Assets per employee ($millions) | 3.8493% | 4,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1805% | 182 |
| Loan loss allowance to noncurrent loans | 92.3324% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 3.7286% | 296 |
| Noncurrent loans to loans | 3.4446% | 413 |
| Net loans and leases to total assets | 68.4034% | 2,642 |
| Net loans and leases to deposits | 85.9385% | 2,142 |
| Net loans and leases to core deposits | 96.0008% | 1,851 |
| Total domestic deposits to total assets | 79.5958% | 4,843 |
| Equity capital to assets | 11.9458% | 1,995 |
| Core capital (leverage) ratio | 11.0230% | 2,382 |
| Tier 1 risk-based capital ratio | 14.9068% | 3,219 |
| Total risk-based capital ratio | 16.1897% | 3,137 |
| Memoranda: | ||
| Average total assets | $351,864,400 | 1,859 |
| Average earning assets | $316,273,000 | 1,913 |
| Average equity | $42,040,000 | 1,730 |
| Average total loans | $243,311,000 | 1,774 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2903% | 2,267 |
| Cost of funding earning assets | 0.8853% | 309 |
| Net interest margin | 3.4050% | 3,930 |
| Noninterest income to average assets | 1.2137% | 815 |
| Noninterest expense to average assets | 3.3807% | 1,509 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5853% | 4,451 |
| Return on assets (ROA) | 0.6702% | 4,146 |
| Pretax return on assets | 1.0074% | 3,583 |
| Return on Equity (ROE) | 5.6092% | 4,355 |
| Retained earnings to average equity (ytd only) | 5.6092% | 2,519 |
| Net charge-offs to loans | -0.0149% | 5,107 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3338% | 1,753 |
| Assets per employee ($millions) | 3.8666% | 4,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6163% | 127 |
| Loan loss allowance to noncurrent loans | 94.8786% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 4.2824% | 267 |
| Noncurrent loans to loans | 3.8115% | 372 |
| Net loans and leases to total assets | 67.7780% | 2,713 |
| Net loans and leases to deposits | 83.8903% | 2,422 |
| Net loans and leases to core deposits | 94.0317% | 2,072 |
| Total domestic deposits to total assets | 80.7936% | 4,526 |
| Equity capital to assets | 12.1181% | 2,017 |
| Core capital (leverage) ratio | 11.1063% | 2,385 |
| Tier 1 risk-based capital ratio | 14.9155% | 3,337 |
| Total risk-based capital ratio | 16.2045% | 3,261 |
| Memoranda: | ||
| Average total assets | $350,334,250 | 1,879 |
| Average earning assets | $313,571,250 | 1,942 |
| Average equity | $41,859,000 | 1,754 |
| Average total loans | $240,909,250 | 1,800 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2709% | 2,281 |
| Cost of funding earning assets | 0.9120% | 272 |
| Net interest margin | 3.3589% | 4,061 |
| Noninterest income to average assets | 1.4830% | 578 |
| Noninterest expense to average assets | 3.3731% | 1,528 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7609% | 3,587 |
| Return on assets (ROA) | 0.8742% | 3,128 |
| Pretax return on assets | 1.2618% | 2,502 |
| Return on Equity (ROE) | 7.3511% | 3,408 |
| Retained earnings to average equity (ytd only) | 7.3511% | 1,543 |
| Net charge-offs to loans | -0.0134% | 5,024 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4476% | 2,461 |
| Assets per employee ($millions) | 3.8365% | 4,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6840% | 138 |
| Loan loss allowance to noncurrent loans | 87.2498% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 5.6077% | 174 |
| Noncurrent loans to loans | 4.2223% | 336 |
| Net loans and leases to total assets | 66.9254% | 2,797 |
| Net loans and leases to deposits | 80.7407% | 2,690 |
| Net loans and leases to core deposits | 90.5562% | 2,292 |
| Total domestic deposits to total assets | 82.8893% | 3,991 |
| Equity capital to assets | 12.0415% | 1,994 |
| Core capital (leverage) ratio | 11.0912% | 2,331 |
| Tier 1 risk-based capital ratio | 14.7870% | 3,480 |
| Total risk-based capital ratio | 16.0767% | 3,393 |
| Memoranda: | ||
| Average total assets | $349,825,000 | 1,894 |
| Average earning assets | $311,176,670 | 1,972 |
| Average equity | $41,599,000 | 1,770 |
| Average total loans | $238,734,670 | 1,818 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2302% | 2,348 |
| Cost of funding earning assets | 0.9565% | 218 |
| Net interest margin | 3.2737% | 4,331 |
| Noninterest income to average assets | 1.8791% | 388 |
| Noninterest expense to average assets | 3.4417% | 1,419 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9347% | 2,581 |
| Return on assets (ROA) | 1.0795% | 2,053 |
| Pretax return on assets | 1.5489% | 1,399 |
| Return on Equity (ROE) | 9.1352% | 2,388 |
| Retained earnings to average equity (ytd only) | 9.1352% | 1,151 |
| Net charge-offs to loans | -0.1807% | 6,028 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9436% | 3,179 |
| Assets per employee ($millions) | 3.9726% | 4,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8041% | 145 |
| Loan loss allowance to noncurrent loans | 95.2120% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 5.8062% | 185 |
| Noncurrent loans to loans | 3.9954% | 442 |
| Net loans and leases to total assets | 65.3036% | 2,878 |
| Net loans and leases to deposits | 80.6229% | 2,487 |
| Net loans and leases to core deposits | 89.5482% | 2,173 |
| Total domestic deposits to total assets | 80.9989% | 4,821 |
| Equity capital to assets | 12.0307% | 2,004 |
| Core capital (leverage) ratio | 10.8039% | 2,621 |
| Tier 1 risk-based capital ratio | 14.6782% | 3,615 |
| Total risk-based capital ratio | 15.9565% | 3,528 |
| Memoranda: | ||
| Average total assets | $350,174,500 | 1,896 |
| Average earning assets | $310,719,000 | 1,983 |
| Average equity | $41,378,500 | 1,780 |
| Average total loans | $236,806,500 | 1,832 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4726% | 1,981 |
| Cost of funding earning assets | 1.0960% | 137 |
| Net interest margin | 3.3767% | 4,292 |
| Noninterest income to average assets | 0.7918% | 1,909 |
| Noninterest expense to average assets | 3.0707% | 2,621 |
| Loan and lease loss provision to assets | 0.1675% | 1,561 |
| Net operating income to assets | 0.6740% | 4,019 |
| Return on assets (ROA) | 0.6969% | 4,026 |
| Pretax return on assets | 0.6121% | 4,903 |
| Return on Equity (ROE) | 6.4613% | 3,925 |
| Retained earnings to average equity (ytd only) | 6.4613% | 1,670 |
| Net charge-offs to loans | 0.0546% | 3,745 |
| Credit loss provision to net charge-offs | 451.1278% | 579 |
| Earnings coverage of net charge-offs (x) | 20.3835% | 1,728 |
| Efficiency ratio | 80.2304% | 1,896 |
| Assets per employee ($millions) | 3.8973% | 4,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7754% | 154 |
| Loan loss allowance to noncurrent loans | 94.1630% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 6.5432% | 169 |
| Noncurrent loans to loans | 4.0095% | 461 |
| Net loans and leases to total assets | 64.8220% | 3,085 |
| Net loans and leases to deposits | 79.3091% | 2,806 |
| Net loans and leases to core deposits | 91.1437% | 2,171 |
| Total domestic deposits to total assets | 81.7333% | 4,509 |
| Equity capital to assets | 11.6031% | 2,339 |
| Core capital (leverage) ratio | 9.5784% | 4,136 |
| Tier 1 risk-based capital ratio | 13.6381% | 4,332 |
| Total risk-based capital ratio | 14.9182% | 4,250 |
| Memoranda: | ||
| Average total assets | $358,291,800 | 1,824 |
| Average earning assets | $322,094,200 | 1,859 |
| Average equity | $38,645,400 | 1,826 |
| Average total loans | $243,673,800 | 1,730 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4787% | 1,952 |
| Cost of funding earning assets | 1.1093% | 136 |
| Net interest margin | 3.3694% | 4,365 |
| Noninterest income to average assets | 0.7422% | 2,128 |
| Noninterest expense to average assets | 2.9640% | 2,922 |
| Loan and lease loss provision to assets | 0.2221% | 1,028 |
| Net operating income to assets | 0.6378% | 4,268 |
| Return on assets (ROA) | 0.6604% | 4,260 |
| Pretax return on assets | 0.6178% | 4,973 |
| Return on Equity (ROE) | 6.2378% | 4,114 |
| Retained earnings to average equity (ytd only) | 6.2378% | 2,257 |
| Net charge-offs to loans | 0.0445% | 3,602 |
| Credit loss provision to net charge-offs | 731.7073% | 420 |
| Earnings coverage of net charge-offs (x) | 26.9270% | 1,470 |
| Efficiency ratio | 78.3847% | 2,123 |
| Assets per employee ($millions) | 3.9961% | 3,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7517% | 196 |
| Loan loss allowance to noncurrent loans | 52.7052% | 5,046 |
| Noncurrent assets plus other real estate owned to assets | 6.7501% | 181 |
| Noncurrent loans to loans | 7.1183% | 159 |
| Net loans and leases to total assets | 64.7173% | 3,071 |
| Net loans and leases to deposits | 77.9768% | 2,955 |
| Net loans and leases to core deposits | 90.1454% | 2,209 |
| Total domestic deposits to total assets | 82.9956% | 4,154 |
| Equity capital to assets | 11.0970% | 2,862 |
| Core capital (leverage) ratio | 9.3320% | 4,596 |
| Tier 1 risk-based capital ratio | 13.3175% | 4,665 |
| Total risk-based capital ratio | 14.5976% | 4,572 |
| Memoranda: | ||
| Average total assets | $360,175,000 | 1,823 |
| Average earning assets | $324,879,750 | 1,859 |
| Average equity | $38,132,000 | 1,858 |
| Average total loans | $245,519,750 | 1,726 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3755% | 2,273 |
| Cost of funding earning assets | 1.1264% | 128 |
| Net interest margin | 3.2491% | 4,787 |
| Noninterest income to average assets | 0.7720% | 1,953 |
| Noninterest expense to average assets | 2.9225% | 3,090 |
| Loan and lease loss provision to assets | 0.3318% | 562 |
| Net operating income to assets | 0.5270% | 4,707 |
| Return on assets (ROA) | 0.5491% | 4,706 |
| Pretax return on assets | 0.4684% | 5,368 |
| Return on Equity (ROE) | 5.2697% | 4,544 |
| Retained earnings to average equity (ytd only) | 5.2697% | 2,783 |
| Net charge-offs to loans | -0.1744% | 6,315 |
| Credit loss provision to net charge-offs | -277.7778% | 5,454 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9749% | 2,171 |
| Assets per employee ($millions) | 4.1257% | 3,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7387% | 207 |
| Loan loss allowance to noncurrent loans | 42.0694% | 5,441 |
| Noncurrent assets plus other real estate owned to assets | 7.9310% | 139 |
| Noncurrent loans to loans | 8.8870% | 101 |
| Net loans and leases to total assets | 66.4956% | 2,672 |
| Net loans and leases to deposits | 79.9593% | 2,523 |
| Net loans and leases to core deposits | 92.7380% | 1,882 |
| Total domestic deposits to total assets | 83.1619% | 4,239 |
| Equity capital to assets | 10.7794% | 3,115 |
| Core capital (leverage) ratio | 9.0297% | 4,971 |
| Tier 1 risk-based capital ratio | 12.5985% | 5,157 |
| Total risk-based capital ratio | 13.8785% | 5,075 |
| Memoranda: | ||
| Average total assets | $361,681,330 | 1,812 |
| Average earning assets | $325,995,330 | 1,847 |
| Average equity | $37,687,000 | 1,869 |
| Average total loans | $247,645,330 | 1,711 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3397% | 2,366 |
| Cost of funding earning assets | 1.1522% | 119 |
| Net interest margin | 3.1875% | 4,958 |
| Noninterest income to average assets | 0.7294% | 2,033 |
| Noninterest expense to average assets | 2.8558% | 3,354 |
| Loan and lease loss provision to assets | 0.3305% | 545 |
| Net operating income to assets | 0.6357% | 4,020 |
| Return on assets (ROA) | 0.6633% | 3,967 |
| Pretax return on assets | 0.4297% | 5,362 |
| Return on Equity (ROE) | 6.4757% | 3,764 |
| Retained earnings to average equity (ytd only) | 6.4757% | 2,298 |
| Net charge-offs to loans | -0.1164% | 6,178 |
| Credit loss provision to net charge-offs | -416.6667% | 5,144 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5824% | 2,263 |
| Assets per employee ($millions) | 4.1677% | 3,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5961% | 248 |
| Loan loss allowance to noncurrent loans | 39.0860% | 5,598 |
| Noncurrent assets plus other real estate owned to assets | 7.9907% | 165 |
| Noncurrent loans to loans | 9.2004% | 119 |
| Net loans and leases to total assets | 65.2557% | 2,683 |
| Net loans and leases to deposits | 77.8541% | 2,576 |
| Net loans and leases to core deposits | 90.5871% | 1,864 |
| Total domestic deposits to total assets | 83.8179% | 4,335 |
| Equity capital to assets | 10.4174% | 3,336 |
| Core capital (leverage) ratio | 8.9355% | 5,093 |
| Tier 1 risk-based capital ratio | 12.3588% | 5,404 |
| Total risk-based capital ratio | 13.6361% | 5,319 |
| Memoranda: | ||
| Average total assets | $363,054,500 | 1,809 |
| Average earning assets | $325,642,000 | 1,851 |
| Average equity | $37,185,000 | 1,887 |
| Average total loans | $247,495,000 | 1,712 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2693% | 3,070 |
| Cost of funding earning assets | 1.3141% | 104 |
| Net interest margin | 2.9552% | 5,669 |
| Noninterest income to average assets | 0.6331% | 2,897 |
| Noninterest expense to average assets | 3.0856% | 2,778 |
| Loan and lease loss provision to assets | 0.9224% | 207 |
| Net operating income to assets | -0.6161% | 6,528 |
| Return on assets (ROA) | -0.5643% | 6,516 |
| Pretax return on assets | -0.6729% | 6,533 |
| Return on Equity (ROE) | -5.4913% | 6,497 |
| Retained earnings to average equity (ytd only) | -5.4913% | 6,395 |
| Net charge-offs to loans | 1.1099% | 502 |
| Credit loss provision to net charge-offs | 127.9455% | 1,838 |
| Earnings coverage of net charge-offs (x) | 0.2607% | 5,002 |
| Efficiency ratio | 94.2588% | 731 |
| Assets per employee ($millions) | 4.1784% | 3,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3876% | 317 |
| Loan loss allowance to noncurrent loans | 35.4065% | 5,773 |
| Noncurrent assets plus other real estate owned to assets | 8.5615% | 169 |
| Noncurrent loans to loans | 9.5678% | 125 |
| Net loans and leases to total assets | 66.3237% | 2,643 |
| Net loans and leases to deposits | 78.3908% | 2,679 |
| Net loans and leases to core deposits | 90.1333% | 2,005 |
| Total domestic deposits to total assets | 84.6065% | 3,922 |
| Equity capital to assets | 10.0676% | 3,674 |
| Core capital (leverage) ratio | 8.6700% | 5,451 |
| Tier 1 risk-based capital ratio | 12.0443% | 5,588 |
| Total risk-based capital ratio | 13.3192% | 5,513 |
| Memoranda: | ||
| Average total assets | $376,721,600 | 1,736 |
| Average earning assets | $336,589,200 | 1,764 |
| Average equity | $38,715,600 | 1,800 |
| Average total loans | $244,715,600 | 1,698 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2255% | 3,292 |
| Cost of funding earning assets | 1.3354% | 104 |
| Net interest margin | 2.8901% | 5,839 |
| Noninterest income to average assets | 0.6389% | 2,933 |
| Noninterest expense to average assets | 3.0173% | 2,930 |
| Loan and lease loss provision to assets | 0.9298% | 188 |
| Net operating income to assets | -0.6744% | 6,646 |
| Return on assets (ROA) | -0.6003% | 6,640 |
| Pretax return on assets | -0.6445% | 6,633 |
| Return on Equity (ROE) | -5.8129% | 6,619 |
| Retained earnings to average equity (ytd only) | -5.8129% | 6,529 |
| Net charge-offs to loans | 1.3968% | 359 |
| Credit loss provision to net charge-offs | 103.8808% | 2,253 |
| Earnings coverage of net charge-offs (x) | 0.2297% | 4,790 |
| Efficiency ratio | 93.6207% | 760 |
| Assets per employee ($millions) | 4.3146% | 3,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2065% | 452 |
| Loan loss allowance to noncurrent loans | 37.0015% | 5,741 |
| Noncurrent assets plus other real estate owned to assets | 7.7422% | 242 |
| Noncurrent loans to loans | 8.6659% | 196 |
| Net loans and leases to total assets | 64.1520% | 2,979 |
| Net loans and leases to deposits | 75.9575% | 2,971 |
| Net loans and leases to core deposits | 87.9042% | 2,204 |
| Total domestic deposits to total assets | 84.4578% | 4,001 |
| Equity capital to assets | 10.1414% | 3,714 |
| Core capital (leverage) ratio | 8.6454% | 5,608 |
| Tier 1 risk-based capital ratio | 12.3703% | 5,534 |
| Total risk-based capital ratio | 13.6425% | 5,460 |
| Memoranda: | ||
| Average total assets | $380,021,250 | 1,734 |
| Average earning assets | $339,770,750 | 1,765 |
| Average equity | $39,245,000 | 1,795 |
| Average total loans | $243,505,500 | 1,706 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1891% | 3,417 |
| Cost of funding earning assets | 1.3610% | 105 |
| Net interest margin | 2.8282% | 5,948 |
| Noninterest income to average assets | 0.6898% | 2,689 |
| Noninterest expense to average assets | 2.9913% | 3,025 |
| Loan and lease loss provision to assets | 0.8844% | 223 |
| Net operating income to assets | -0.3857% | 6,596 |
| Return on assets (ROA) | -0.3111% | 6,585 |
| Pretax return on assets | -0.5353% | 6,642 |
| Return on Equity (ROE) | -2.9953% | 6,578 |
| Retained earnings to average equity (ytd only) | -2.9953% | 6,310 |
| Net charge-offs to loans | 0.8052% | 780 |
| Credit loss provision to net charge-offs | 173.2926% | 1,364 |
| Earnings coverage of net charge-offs (x) | 0.4557% | 4,386 |
| Efficiency ratio | 92.7868% | 834 |
| Assets per employee ($millions) | 4.4000% | 2,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4424% | 390 |
| Loan loss allowance to noncurrent loans | 36.7616% | 5,762 |
| Noncurrent assets plus other real estate owned to assets | 8.2660% | 232 |
| Noncurrent loans to loans | 9.3642% | 188 |
| Net loans and leases to total assets | 63.1029% | 3,085 |
| Net loans and leases to deposits | 74.4752% | 3,079 |
| Net loans and leases to core deposits | 86.5407% | 2,287 |
| Total domestic deposits to total assets | 84.7300% | 4,023 |
| Equity capital to assets | 10.3609% | 3,479 |
| Core capital (leverage) ratio | 8.7402% | 5,367 |
| Tier 1 risk-based capital ratio | 12.4462% | 5,537 |
| Total risk-based capital ratio | 13.7204% | 5,466 |
| Memoranda: | ||
| Average total assets | $384,447,330 | 1,721 |
| Average earning assets | $344,462,330 | 1,747 |
| Average equity | $39,929,000 | 1,764 |
| Average total loans | $243,651,670 | 1,698 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1407% | 3,556 |
| Cost of funding earning assets | 1.4038% | 91 |
| Net interest margin | 2.7369% | 6,154 |
| Noninterest income to average assets | 0.5779% | 3,258 |
| Noninterest expense to average assets | 2.9697% | 3,084 |
| Loan and lease loss provision to assets | 1.2318% | 125 |
| Net operating income to assets | -0.9480% | 6,795 |
| Return on assets (ROA) | -0.9413% | 6,805 |
| Pretax return on assets | -1.1538% | 6,834 |
| Return on Equity (ROE) | -9.0527% | 6,786 |
| Retained earnings to average equity (ytd only) | -9.0527% | 6,579 |
| Net charge-offs to loans | 1.1625% | 507 |
| Credit loss provision to net charge-offs | 169.7313% | 1,240 |
| Earnings coverage of net charge-offs (x) | 0.0962% | 3,787 |
| Efficiency ratio | 97.7035% | 647 |
| Assets per employee ($millions) | 4.5002% | 2,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4011% | 461 |
| Loan loss allowance to noncurrent loans | 35.3175% | 5,807 |
| Noncurrent assets plus other real estate owned to assets | 8.9633% | 250 |
| Noncurrent loans to loans | 9.6301% | 228 |
| Net loans and leases to total assets | 60.7973% | 3,289 |
| Net loans and leases to deposits | 72.6324% | 3,102 |
| Net loans and leases to core deposits | 84.6971% | 2,244 |
| Total domestic deposits to total assets | 83.7054% | 4,588 |
| Equity capital to assets | 10.4760% | 3,567 |
| Core capital (leverage) ratio | 8.5736% | 5,474 |
| Tier 1 risk-based capital ratio | 12.8412% | 5,347 |
| Total risk-based capital ratio | 14.1158% | 5,269 |
| Memoranda: | ||
| Average total assets | $389,670,000 | 1,717 |
| Average earning assets | $350,468,000 | 1,736 |
| Average equity | $40,518,500 | 1,757 |
| Average total loans | $243,267,500 | 1,711 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4848% | 3,464 |
| Cost of funding earning assets | 1.6385% | 94 |
| Net interest margin | 2.8463% | 6,321 |
| Noninterest income to average assets | 0.3098% | 5,235 |
| Noninterest expense to average assets | 3.0337% | 3,151 |
| Loan and lease loss provision to assets | 2.0238% | 101 |
| Net operating income to assets | -1.2837% | 6,819 |
| Return on assets (ROA) | -1.2012% | 6,807 |
| Pretax return on assets | -2.0571% | 6,935 |
| Return on Equity (ROE) | -12.2357% | 6,772 |
| Retained earnings to average equity (ytd only) | -12.2357% | 6,707 |
| Net charge-offs to loans | 2.9020% | 182 |
| Credit loss provision to net charge-offs | 109.8411% | 2,666 |
| Earnings coverage of net charge-offs (x) | -0.0881% | 5,528 |
| Efficiency ratio | 105.6518% | 415 |
| Assets per employee ($millions) | 4.7241% | 2,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1307% | 587 |
| Loan loss allowance to noncurrent loans | 34.6107% | 5,871 |
| Noncurrent assets plus other real estate owned to assets | 8.4060% | 317 |
| Noncurrent loans to loans | 9.0456% | 288 |
| Net loans and leases to total assets | 59.9996% | 3,604 |
| Net loans and leases to deposits | 71.2769% | 3,525 |
| Net loans and leases to core deposits | 84.9486% | 2,436 |
| Total domestic deposits to total assets | 84.1782% | 4,234 |
| Equity capital to assets | 10.3232% | 3,729 |
| Core capital (leverage) ratio | 8.4876% | 5,631 |
| Tier 1 risk-based capital ratio | 12.8195% | 5,240 |
| Total risk-based capital ratio | 14.0899% | 5,161 |
| Memoranda: | ||
| Average total assets | $420,250,000 | 1,561 |
| Average earning assets | $378,213,800 | 1,578 |
| Average equity | $41,256,200 | 1,694 |
| Average total loans | $266,814,800 | 1,554 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5948% | 3,225 |
| Cost of funding earning assets | 1.6732% | 94 |
| Net interest margin | 2.9216% | 6,317 |
| Noninterest income to average assets | 0.2337% | 5,879 |
| Noninterest expense to average assets | 2.9582% | 3,376 |
| Loan and lease loss provision to assets | 2.2232% | 85 |
| Net operating income to assets | -1.3698% | 6,939 |
| Return on assets (ROA) | -1.2644% | 6,942 |
| Pretax return on assets | -2.1518% | 7,053 |
| Return on Equity (ROE) | -13.0365% | 6,903 |
| Retained earnings to average equity (ytd only) | -13.0365% | 6,875 |
| Net charge-offs to loans | 2.4258% | 260 |
| Credit loss provision to net charge-offs | 143.5354% | 1,998 |
| Earnings coverage of net charge-offs (x) | -0.0602% | 5,357 |
| Efficiency ratio | 103.2547% | 438 |
| Assets per employee ($millions) | 4.7516% | 2,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5300% | 458 |
| Loan loss allowance to noncurrent loans | 48.7136% | 5,194 |
| Noncurrent assets plus other real estate owned to assets | 7.5346% | 440 |
| Noncurrent loans to loans | 7.2464% | 495 |
| Net loans and leases to total assets | 60.7791% | 3,617 |
| Net loans and leases to deposits | 72.3345% | 3,559 |
| Net loans and leases to core deposits | 87.1434% | 2,325 |
| Total domestic deposits to total assets | 84.0251% | 4,208 |
| Equity capital to assets | 10.3163% | 4,061 |
| Core capital (leverage) ratio | 8.7975% | 5,353 |
| Tier 1 risk-based capital ratio | 13.0712% | 5,191 |
| Total risk-based capital ratio | 14.3470% | 5,134 |
| Memoranda: | ||
| Average total assets | $426,106,000 | 1,559 |
| Average earning assets | $383,754,500 | 1,579 |
| Average equity | $41,329,000 | 1,701 |
| Average total loans | $272,071,250 | 1,533 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6727% | 3,034 |
| Cost of funding earning assets | 1.7177% | 96 |
| Net interest margin | 2.9550% | 6,327 |
| Noninterest income to average assets | 0.0625% | 6,816 |
| Noninterest expense to average assets | 2.8486% | 3,837 |
| Loan and lease loss provision to assets | 2.8732% | 69 |
| Net operating income to assets | -1.8181% | 7,052 |
| Return on assets (ROA) | -1.6966% | 7,054 |
| Pretax return on assets | -2.8032% | 7,139 |
| Return on Equity (ROE) | -17.8500% | 7,009 |
| Retained earnings to average equity (ytd only) | -17.8500% | 6,982 |
| Net charge-offs to loans | 0.3697% | 2,538 |
| Credit loss provision to net charge-offs | 1,211.9141% | 269 |
| Earnings coverage of net charge-offs (x) | -0.5059% | 5,239 |
| Efficiency ratio | 104.3950% | 428 |
| Assets per employee ($millions) | 4.8580% | 2,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6056% | 214 |
| Loan loss allowance to noncurrent loans | 81.4633% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 6.6187% | 613 |
| Noncurrent loans to loans | 5.6536% | 810 |
| Net loans and leases to total assets | 62.5961% | 3,312 |
| Net loans and leases to deposits | 73.8884% | 3,310 |
| Net loans and leases to core deposits | 89.3208% | 2,059 |
| Total domestic deposits to total assets | 84.7170% | 3,991 |
| Equity capital to assets | 10.1078% | 4,182 |
| Core capital (leverage) ratio | 8.8178% | 5,189 |
| Tier 1 risk-based capital ratio | 12.8250% | 5,319 |
| Total risk-based capital ratio | 14.1140% | 5,258 |
| Memoranda: | ||
| Average total assets | $431,930,000 | 1,539 |
| Average earning assets | $389,709,670 | 1,556 |
| Average equity | $41,053,330 | 1,704 |
| Average total loans | $276,944,330 | 1,518 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7943% | 2,661 |
| Cost of funding earning assets | 1.7508% | 105 |
| Net interest margin | 3.0435% | 6,206 |
| Noninterest income to average assets | 0.2706% | 5,713 |
| Noninterest expense to average assets | 2.8729% | 3,734 |
| Loan and lease loss provision to assets | 1.5535% | 220 |
| Net operating income to assets | -0.8142% | 6,958 |
| Return on assets (ROA) | -0.7180% | 6,943 |
| Pretax return on assets | -1.2510% | 7,029 |
| Return on Equity (ROE) | -7.7894% | 6,945 |
| Retained earnings to average equity (ytd only) | -7.7894% | 6,755 |
| Net charge-offs to loans | 0.0244% | 4,346 |
| Credit loss provision to net charge-offs | 10,029.4118% | 19 |
| Earnings coverage of net charge-offs (x) | 9.8235% | 1,807 |
| Efficiency ratio | 94.9699% | 773 |
| Assets per employee ($millions) | 4.9539% | 2,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1715% | 704 |
| Loan loss allowance to noncurrent loans | 69.8792% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 6.0809% | 768 |
| Noncurrent loans to loans | 4.5385% | 1,275 |
| Net loans and leases to total assets | 61.7805% | 3,301 |
| Net loans and leases to deposits | 72.7002% | 3,322 |
| Net loans and leases to core deposits | 88.0386% | 2,048 |
| Total domestic deposits to total assets | 84.9799% | 4,050 |
| Equity capital to assets | 9.4008% | 4,958 |
| Core capital (leverage) ratio | 8.5126% | 5,571 |
| Tier 1 risk-based capital ratio | 12.9536% | 5,251 |
| Total risk-based capital ratio | 14.2254% | 5,206 |
| Memoranda: | ||
| Average total assets | $439,002,500 | 1,520 |
| Average earning assets | $397,306,000 | 1,529 |
| Average equity | $40,465,500 | 1,717 |
| Average total loans | $278,345,000 | 1,517 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9448% | 3,130 |
| Cost of funding earning assets | 1.9074% | 141 |
| Net interest margin | 3.0374% | 6,468 |
| Noninterest income to average assets | 0.3494% | 5,011 |
| Noninterest expense to average assets | 2.1752% | 6,320 |
| Loan and lease loss provision to assets | 2.9924% | 122 |
| Net operating income to assets | -1.1454% | 6,799 |
| Return on assets (ROA) | -0.9894% | 6,763 |
| Pretax return on assets | -1.7646% | 6,964 |
| Return on Equity (ROE) | -11.0534% | 6,765 |
| Retained earnings to average equity (ytd only) | -11.8467% | 6,763 |
| Net charge-offs to loans | 4.3003% | 124 |
| Credit loss provision to net charge-offs | 106.3063% | 3,196 |
| Earnings coverage of net charge-offs (x) | 0.3496% | 5,562 |
| Efficiency ratio | 68.8499% | 4,180 |
| Assets per employee ($millions) | 5.2554% | 1,879 |
| Cash dividends to net income (ytd only)* | -7.1765% | 7,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4338% | 1,404 |
| Loan loss allowance to noncurrent loans | 70.6080% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 5.3827% | 960 |
| Noncurrent loans to loans | 3.4469% | 1,867 |
| Net loans and leases to total assets | 61.4928% | 3,694 |
| Net loans and leases to deposits | 71.7691% | 3,831 |
| Net loans and leases to core deposits | 94.3120% | 1,660 |
| Total domestic deposits to total assets | 85.6815% | 3,491 |
| Equity capital to assets | 9.0449% | 5,500 |
| Core capital (leverage) ratio | 8.0072% | 6,257 |
| Tier 1 risk-based capital ratio | 12.6428% | 5,335 |
| Total risk-based capital ratio | 13.9050% | 5,315 |
| Memoranda: | ||
| Average total assets | $492,914,800 | 1,353 |
| Average earning assets | $456,011,800 | 1,339 |
| Average equity | $44,122,000 | 1,535 |
| Average total loans | $322,650,600 | 1,315 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0053% | 3,061 |
| Cost of funding earning assets | 1.9154% | 170 |
| Net interest margin | 3.0899% | 6,406 |
| Noninterest income to average assets | 0.3000% | 5,466 |
| Noninterest expense to average assets | 1.9434% | 6,799 |
| Loan and lease loss provision to assets | 2.3849% | 195 |
| Net operating income to assets | -0.6511% | 6,727 |
| Return on assets (ROA) | -0.4953% | 6,682 |
| Pretax return on assets | -0.9126% | 6,836 |
| Return on Equity (ROE) | -5.5460% | 6,695 |
| Retained earnings to average equity (ytd only) | -6.5845% | 6,677 |
| Net charge-offs to loans | 2.2953% | 515 |
| Credit loss provision to net charge-offs | 157.4252% | 1,971 |
| Earnings coverage of net charge-offs (x) | 0.8111% | 5,008 |
| Efficiency ratio | 61.2647% | 5,525 |
| Assets per employee ($millions) | 5.6590% | 1,453 |
| Cash dividends to net income (ytd only)* | -18.7268% | 7,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9760% | 876 |
| Loan loss allowance to noncurrent loans | 75.6234% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 3.7194% | 1,678 |
| Noncurrent loans to loans | 3.9353% | 1,682 |
| Net loans and leases to total assets | 61.1531% | 3,911 |
| Net loans and leases to deposits | 71.5104% | 4,062 |
| Net loans and leases to core deposits | 91.2664% | 2,079 |
| Total domestic deposits to total assets | 85.5163% | 3,482 |
| Equity capital to assets | 8.8651% | 5,900 |
| Core capital (leverage) ratio | 8.0489% | 6,345 |
| Tier 1 risk-based capital ratio | 12.4450% | 5,541 |
| Total risk-based capital ratio | 13.7142% | 5,513 |
| Memoranda: | ||
| Average total assets | $503,151,500 | 1,336 |
| Average earning assets | $467,704,250 | 1,311 |
| Average equity | $44,932,500 | 1,513 |
| Average total loans | $332,098,000 | 1,283 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0890% | 2,733 |
| Cost of funding earning assets | 1.9557% | 166 |
| Net interest margin | 3.1333% | 6,325 |
| Noninterest income to average assets | 0.3284% | 5,265 |
| Noninterest expense to average assets | 2.0191% | 6,751 |
| Loan and lease loss provision to assets | 3.0107% | 150 |
| Net operating income to assets | -1.0640% | 6,961 |
| Return on assets (ROA) | -0.9907% | 6,947 |
| Pretax return on assets | -1.6800% | 7,107 |
| Return on Equity (ROE) | -11.0678% | 6,968 |
| Retained earnings to average equity (ytd only) | -12.6166% | 6,962 |
| Net charge-offs to loans | 0.0804% | 4,840 |
| Credit loss provision to net charge-offs | 5,588.2353% | 58 |
| Earnings coverage of net charge-offs (x) | 22.5735% | 1,117 |
| Efficiency ratio | 62.4097% | 5,520 |
| Assets per employee ($millions) | 5.8913% | 1,242 |
| Cash dividends to net income (ytd only)* | -13.9944% | 7,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0688% | 399 |
| Loan loss allowance to noncurrent loans | 504.1760% | 662 |
| Noncurrent assets plus other real estate owned to assets | 1.7698% | 3,555 |
| Noncurrent loans to loans | 0.8070% | 5,308 |
| Net loans and leases to total assets | 62.2018% | 3,851 |
| Net loans and leases to deposits | 72.7524% | 3,987 |
| Net loans and leases to core deposits | 95.2192% | 1,762 |
| Total domestic deposits to total assets | 85.4979% | 3,628 |
| Equity capital to assets | 8.5615% | 6,112 |
| Core capital (leverage) ratio | 8.2340% | 5,974 |
| Tier 1 risk-based capital ratio | 11.9466% | 5,825 |
| Total risk-based capital ratio | 13.2307% | 5,773 |
| Memoranda: | ||
| Average total assets | $504,872,670 | 1,336 |
| Average earning assets | $468,385,000 | 1,317 |
| Average equity | $45,194,330 | 1,492 |
| Average total loans | $338,172,000 | 1,280 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0753% | 2,751 |
| Cost of funding earning assets | 2.0059% | 163 |
| Net interest margin | 3.0694% | 6,420 |
| Noninterest income to average assets | 0.3153% | 5,408 |
| Noninterest expense to average assets | 2.0773% | 6,681 |
| Loan and lease loss provision to assets | 0.5588% | 1,545 |
| Net operating income to assets | 0.4396% | 4,770 |
| Return on assets (ROA) | 0.5477% | 4,363 |
| Pretax return on assets | 0.6658% | 4,435 |
| Return on Equity (ROE) | 5.9846% | 3,911 |
| Retained earnings to average equity (ytd only) | 4.4579% | 3,504 |
| Net charge-offs to loans | 0.1442% | 3,631 |
| Credit loss provision to net charge-offs | 569.1057% | 656 |
| Earnings coverage of net charge-offs (x) | 11.1301% | 1,577 |
| Efficiency ratio | 65.5251% | 5,120 |
| Assets per employee ($millions) | 5.8542% | 1,300 |
| Cash dividends to net income (ytd only)* | 25.5102% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0000% | 2,418 |
| Loan loss allowance to noncurrent loans | 169.9539% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 2.2467% | 3,008 |
| Noncurrent loans to loans | 1.1768% | 4,728 |
| Net loans and leases to total assets | 63.8339% | 3,462 |
| Net loans and leases to deposits | 74.8720% | 3,617 |
| Net loans and leases to core deposits | 98.6046% | 1,465 |
| Total domestic deposits to total assets | 85.2574% | 3,916 |
| Equity capital to assets | 9.0858% | 5,075 |
| Core capital (leverage) ratio | 9.0935% | 4,462 |
| Tier 1 risk-based capital ratio | 12.8148% | 4,965 |
| Total risk-based capital ratio | 14.0722% | 4,941 |
| Memoranda: | ||
| Average total assets | $501,039,000 | 1,350 |
| Average earning assets | $466,019,500 | 1,328 |
| Average equity | $45,851,000 | 1,463 |
| Average total loans | $341,092,500 | 1,279 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3780% | 2,776 |
| Cost of funding earning assets | 2.2711% | 235 |
| Net interest margin | 3.1069% | 6,507 |
| Noninterest income to average assets | 0.2803% | 5,772 |
| Noninterest expense to average assets | 1.7960% | 7,270 |
| Loan and lease loss provision to assets | 0.4975% | 3,168 |
| Net operating income to assets | 0.6379% | 3,499 |
| Return on assets (ROA) | 0.7771% | 3,018 |
| Pretax return on assets | 1.0750% | 2,682 |
| Return on Equity (ROE) | 8.4004% | 2,536 |
| Retained earnings to average equity (ytd only) | 6.4398% | 1,589 |
| Net charge-offs to loans | 0.3636% | 4,204 |
| Credit loss provision to net charge-offs | 195.7586% | 1,619 |
| Earnings coverage of net charge-offs (x) | 5.4266% | 2,625 |
| Efficiency ratio | 56.5646% | 6,515 |
| Assets per employee ($millions) | 5.7298% | 1,406 |
| Cash dividends to net income (ytd only)* | 23.3396% | 3,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7287% | 3,106 |
| Loan loss allowance to noncurrent loans | 261.7978% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 1.1153% | 4,783 |
| Noncurrent loans to loans | 0.6603% | 5,727 |
| Net loans and leases to total assets | 69.8868% | 2,556 |
| Net loans and leases to deposits | 83.0006% | 2,631 |
| Net loans and leases to core deposits | 108.9280% | 988 |
| Total domestic deposits to total assets | 84.2003% | 4,273 |
| Equity capital to assets | 9.2188% | 4,809 |
| Core capital (leverage) ratio | 8.8937% | 4,708 |
| Tier 1 risk-based capital ratio | 12.3106% | 5,195 |
| Total risk-based capital ratio | 13.5653% | 5,159 |
| Memoranda: | ||
| Average total assets | $482,406,800 | 1,392 |
| Average earning assets | $449,481,200 | 1,357 |
| Average equity | $44,628,600 | 1,498 |
| Average total loans | $337,213,600 | 1,325 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4026% | 2,868 |
| Cost of funding earning assets | 2.3156% | 259 |
| Net interest margin | 3.0870% | 6,645 |
| Noninterest income to average assets | 0.2623% | 6,018 |
| Noninterest expense to average assets | 1.8290% | 7,299 |
| Loan and lease loss provision to assets | 0.5002% | 2,961 |
| Net operating income to assets | 0.6045% | 3,863 |
| Return on assets (ROA) | 0.7817% | 3,240 |
| Pretax return on assets | 1.0448% | 3,017 |
| Return on Equity (ROE) | 8.4417% | 2,720 |
| Retained earnings to average equity (ytd only) | 6.8662% | 1,919 |
| Net charge-offs to loans | 0.3063% | 4,134 |
| Credit loss provision to net charge-offs | 234.6806% | 1,443 |
| Earnings coverage of net charge-offs (x) | 6.1408% | 2,593 |
| Efficiency ratio | 58.2891% | 6,222 |
| Assets per employee ($millions) | 5.8469% | 1,354 |
| Cash dividends to net income (ytd only)* | 18.6633% | 3,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7455% | 3,008 |
| Loan loss allowance to noncurrent loans | 212.0387% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 1.2036% | 4,738 |
| Noncurrent loans to loans | 0.8232% | 5,572 |
| Net loans and leases to total assets | 67.0269% | 3,456 |
| Net loans and leases to deposits | 80.4323% | 3,370 |
| Net loans and leases to core deposits | 107.0593% | 1,236 |
| Total domestic deposits to total assets | 83.3333% | 4,445 |
| Equity capital to assets | 9.3040% | 5,133 |
| Core capital (leverage) ratio | 9.0896% | 4,545 |
| Tier 1 risk-based capital ratio | 12.6791% | 4,832 |
| Total risk-based capital ratio | 13.9331% | 4,813 |
| Memoranda: | ||
| Average total assets | $479,817,500 | 1,416 |
| Average earning assets | $446,934,750 | 1,381 |
| Average equity | $44,429,000 | 1,511 |
| Average total loans | $333,908,250 | 1,353 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4434% | 2,783 |
| Cost of funding earning assets | 2.3731% | 260 |
| Net interest margin | 3.0703% | 6,677 |
| Noninterest income to average assets | 0.2147% | 6,386 |
| Noninterest expense to average assets | 1.8747% | 7,297 |
| Loan and lease loss provision to assets | 0.5062% | 2,773 |
| Net operating income to assets | 0.5457% | 4,116 |
| Return on assets (ROA) | 0.6210% | 3,912 |
| Pretax return on assets | 0.7847% | 3,931 |
| Return on Equity (ROE) | 6.7176% | 3,435 |
| Retained earnings to average equity (ytd only) | 5.1203% | 2,839 |
| Net charge-offs to loans | 0.1397% | 4,830 |
| Credit loss provision to net charge-offs | 517.2414% | 716 |
| Earnings coverage of net charge-offs (x) | 12.2155% | 1,694 |
| Efficiency ratio | 61.0607% | 5,843 |
| Assets per employee ($millions) | 5.7390% | 1,416 |
| Cash dividends to net income (ytd only)* | 23.7772% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7202% | 2,998 |
| Loan loss allowance to noncurrent loans | 150.3082% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 1.5024% | 4,201 |
| Noncurrent loans to loans | 1.1445% | 5,050 |
| Net loans and leases to total assets | 68.5478% | 3,236 |
| Net loans and leases to deposits | 82.0798% | 3,261 |
| Net loans and leases to core deposits | 112.2374% | 1,024 |
| Total domestic deposits to total assets | 83.5136% | 4,331 |
| Equity capital to assets | 9.2055% | 5,138 |
| Core capital (leverage) ratio | 8.8787% | 4,791 |
| Tier 1 risk-based capital ratio | 12.0230% | 5,291 |
| Total risk-based capital ratio | 13.2772% | 5,250 |
| Memoranda: | ||
| Average total assets | $474,093,330 | 1,439 |
| Average earning assets | $440,935,330 | 1,406 |
| Average equity | $43,825,330 | 1,517 |
| Average total loans | $332,199,330 | 1,372 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4946% | 2,605 |
| Cost of funding earning assets | 2.4655% | 246 |
| Net interest margin | 3.0291% | 6,768 |
| Noninterest income to average assets | 0.0591% | 7,420 |
| Noninterest expense to average assets | 1.8954% | 7,337 |
| Loan and lease loss provision to assets | 0.5137% | 2,443 |
| Net operating income to assets | 0.4376% | 4,677 |
| Return on assets (ROA) | 0.5864% | 4,101 |
| Pretax return on assets | 0.6181% | 4,536 |
| Return on Equity (ROE) | 6.3301% | 3,712 |
| Retained earnings to average equity (ytd only) | 4.7129% | 3,317 |
| Net charge-offs to loans | 0.0890% | 4,526 |
| Credit loss provision to net charge-offs | 821.9178% | 558 |
| Earnings coverage of net charge-offs (x) | 15.6027% | 1,372 |
| Efficiency ratio | 66.0304% | 5,109 |
| Assets per employee ($millions) | 5.3620% | 1,815 |
| Cash dividends to net income (ytd only)* | 25.5474% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6458% | 3,268 |
| Loan loss allowance to noncurrent loans | 91.1710% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 1.8053% | 3,778 |
| Noncurrent loans to loans | 1.8052% | 4,046 |
| Net loans and leases to total assets | 67.0082% | 3,633 |
| Net loans and leases to deposits | 79.9736% | 3,660 |
| Net loans and leases to core deposits | 109.2381% | 1,335 |
| Total domestic deposits to total assets | 83.7879% | 4,250 |
| Equity capital to assets | 9.0544% | 5,198 |
| Core capital (leverage) ratio | 9.3209% | 4,015 |
| Tier 1 risk-based capital ratio | 12.0877% | 5,099 |
| Total risk-based capital ratio | 13.3409% | 5,064 |
| Memoranda: | ||
| Average total assets | $467,230,500 | 1,501 |
| Average earning assets | $433,666,000 | 1,470 |
| Average equity | $43,285,000 | 1,550 |
| Average total loans | $328,178,000 | 1,437 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6520% | 3,343 |
| Cost of funding earning assets | 2.8758% | 336 |
| Net interest margin | 2.7763% | 7,100 |
| Noninterest income to average assets | 0.2605% | 6,250 |
| Noninterest expense to average assets | 1.9044% | 7,501 |
| Loan and lease loss provision to assets | 0.5109% | 3,823 |
| Net operating income to assets | 0.3465% | 4,336 |
| Return on assets (ROA) | 0.4502% | 4,047 |
| Pretax return on assets | 0.5724% | 3,979 |
| Return on Equity (ROE) | 4.7848% | 3,762 |
| Retained earnings to average equity (ytd only) | 2.7193% | 3,253 |
| Net charge-offs to loans | 0.5863% | 3,459 |
| Credit loss provision to net charge-offs | 124.5263% | 4,219 |
| Earnings coverage of net charge-offs (x) | 2.3205% | 3,989 |
| Efficiency ratio | 66.6719% | 5,254 |
| Assets per employee ($millions) | 5.0209% | 2,189 |
| Cash dividends to net income (ytd only)* | 43.1672% | 2,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4910% | 3,775 |
| Loan loss allowance to noncurrent loans | 79.6477% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 1.9806% | 3,421 |
| Noncurrent loans to loans | 1.8719% | 3,838 |
| Net loans and leases to total assets | 71.4111% | 2,907 |
| Net loans and leases to deposits | 85.9004% | 2,933 |
| Net loans and leases to core deposits | 144.9144% | 642 |
| Total domestic deposits to total assets | 83.1324% | 4,466 |
| Equity capital to assets | 9.4882% | 4,425 |
| Core capital (leverage) ratio | 8.9826% | 4,451 |
| Tier 1 risk-based capital ratio | 11.7911% | 5,117 |
| Total risk-based capital ratio | 13.0448% | 5,077 |
| Memoranda: | ||
| Average total assets | $450,215,000 | 1,538 |
| Average earning assets | $420,963,200 | 1,504 |
| Average equity | $42,363,600 | 1,578 |
| Average total loans | $315,049,200 | 1,522 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5929% | 3,904 |
| Cost of funding earning assets | 2.9268% | 410 |
| Net interest margin | 2.6661% | 7,271 |
| Noninterest income to average assets | 0.2413% | 6,508 |
| Noninterest expense to average assets | 1.9036% | 7,544 |
| Loan and lease loss provision to assets | 0.5336% | 3,252 |
| Net operating income to assets | 0.2594% | 4,953 |
| Return on assets (ROA) | 0.3673% | 4,628 |
| Pretax return on assets | 0.4319% | 4,711 |
| Return on Equity (ROE) | 3.9113% | 4,410 |
| Retained earnings to average equity (ytd only) | 2.2540% | 4,070 |
| Net charge-offs to loans | 0.5471% | 3,043 |
| Credit loss provision to net charge-offs | 140.6250% | 3,494 |
| Earnings coverage of net charge-offs (x) | 2.2102% | 4,162 |
| Efficiency ratio | 69.4195% | 4,709 |
| Assets per employee ($millions) | 5.1162% | 2,007 |
| Cash dividends to net income (ytd only)* | 42.3727% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5267% | 3,297 |
| Loan loss allowance to noncurrent loans | 108.4063% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 1.4844% | 4,151 |
| Noncurrent loans to loans | 1.4083% | 4,559 |
| Net loans and leases to total assets | 69.3662% | 3,641 |
| Net loans and leases to deposits | 83.1302% | 3,805 |
| Net loans and leases to core deposits | 137.2613% | 1,043 |
| Total domestic deposits to total assets | 83.4428% | 3,997 |
| Equity capital to assets | 9.3061% | 5,029 |
| Core capital (leverage) ratio | 9.3214% | 4,153 |
| Tier 1 risk-based capital ratio | 11.7879% | 5,161 |
| Total risk-based capital ratio | 13.0393% | 5,108 |
| Memoranda: | ||
| Average total assets | $449,799,250 | 1,554 |
| Average earning assets | $421,929,500 | 1,514 |
| Average equity | $42,235,750 | 1,598 |
| Average total loans | $311,917,750 | 1,557 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6212% | 3,963 |
| Cost of funding earning assets | 2.9503% | 541 |
| Net interest margin | 2.6709% | 7,263 |
| Noninterest income to average assets | 0.2806% | 6,259 |
| Noninterest expense to average assets | 1.8864% | 7,642 |
| Loan and lease loss provision to assets | 0.5378% | 2,880 |
| Net operating income to assets | 0.3024% | 4,888 |
| Return on assets (ROA) | 0.4298% | 4,493 |
| Pretax return on assets | 0.5284% | 4,527 |
| Return on Equity (ROE) | 4.5633% | 4,276 |
| Retained earnings to average equity (ytd only) | 2.8979% | 3,713 |
| Net charge-offs to loans | 0.5569% | 2,660 |
| Credit loss provision to net charge-offs | 140.0233% | 3,334 |
| Earnings coverage of net charge-offs (x) | 2.3664% | 3,883 |
| Efficiency ratio | 67.4844% | 5,258 |
| Assets per employee ($millions) | 4.9824% | 2,095 |
| Cash dividends to net income (ytd only)* | 36.4964% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5088% | 3,136 |
| Loan loss allowance to noncurrent loans | 92.9531% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 1.6598% | 3,706 |
| Noncurrent loans to loans | 1.6232% | 4,060 |
| Net loans and leases to total assets | 69.5107% | 3,812 |
| Net loans and leases to deposits | 83.8322% | 3,912 |
| Net loans and leases to core deposits | 134.3988% | 1,294 |
| Total domestic deposits to total assets | 82.9164% | 4,285 |
| Equity capital to assets | 9.3459% | 4,807 |
| Core capital (leverage) ratio | 9.1622% | 4,361 |
| Tier 1 risk-based capital ratio | 11.7100% | 5,187 |
| Total risk-based capital ratio | 12.9633% | 5,115 |
| Memoranda: | ||
| Average total assets | $446,246,000 | 1,590 |
| Average earning assets | $420,161,330 | 1,542 |
| Average equity | $42,030,670 | 1,618 |
| Average total loans | $307,772,000 | 1,608 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6400% | 4,106 |
| Cost of funding earning assets | 2.9376% | 703 |
| Net interest margin | 2.7024% | 7,203 |
| Noninterest income to average assets | 0.2777% | 6,202 |
| Noninterest expense to average assets | 1.9067% | 7,535 |
| Loan and lease loss provision to assets | 0.5391% | 2,315 |
| Net operating income to assets | 0.3117% | 5,256 |
| Return on assets (ROA) | 0.4196% | 4,953 |
| Pretax return on assets | 0.5283% | 4,987 |
| Return on Equity (ROE) | 4.4380% | 4,732 |
| Retained earnings to average equity (ytd only) | 2.7749% | 4,335 |
| Net charge-offs to loans | 0.1490% | 3,767 |
| Credit loss provision to net charge-offs | 530.9735% | 1,041 |
| Earnings coverage of net charge-offs (x) | 9.1681% | 2,095 |
| Efficiency ratio | 67.1944% | 5,104 |
| Assets per employee ($millions) | 5.1013% | 1,958 |
| Cash dividends to net income (ytd only)* | 37.4732% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6113% | 2,472 |
| Loan loss allowance to noncurrent loans | 86.8621% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 1.3720% | 3,906 |
| Noncurrent loans to loans | 1.8550% | 3,481 |
| Net loans and leases to total assets | 65.4216% | 4,723 |
| Net loans and leases to deposits | 79.6227% | 4,671 |
| Net loans and leases to core deposits | 128.2057% | 1,766 |
| Total domestic deposits to total assets | 82.1645% | 4,483 |
| Equity capital to assets | 9.2274% | 5,048 |
| Core capital (leverage) ratio | 9.4391% | 4,057 |
| Tier 1 risk-based capital ratio | 12.2571% | 4,741 |
| Total risk-based capital ratio | 13.5121% | 4,647 |
| Memoranda: | ||
| Average total assets | $445,159,500 | 1,595 |
| Average earning assets | $421,701,500 | 1,545 |
| Average equity | $42,091,500 | 1,614 |
| Average total loans | $303,421,000 | 1,647 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1880% | 4,575 |
| Cost of funding earning assets | 3.5885% | 403 |
| Net interest margin | 2.5995% | 7,644 |
| Noninterest income to average assets | 0.3501% | 5,930 |
| Noninterest expense to average assets | 1.7865% | 7,769 |
| Loan and lease loss provision to assets | 0.2624% | 4,303 |
| Net operating income to assets | 0.5681% | 4,446 |
| Return on assets (ROA) | 0.6455% | 3,976 |
| Pretax return on assets | 0.8633% | 3,840 |
| Return on Equity (ROE) | 7.2325% | 3,414 |
| Retained earnings to average equity (ytd only) | 4.6600% | 2,230 |
| Net charge-offs to loans | 0.4251% | 2,693 |
| Credit loss provision to net charge-offs | 103.7165% | 5,156 |
| Earnings coverage of net charge-offs (x) | 4.0415% | 4,133 |
| Efficiency ratio | 63.0469% | 5,766 |
| Assets per employee ($millions) | 4.7912% | 2,185 |
| Cash dividends to net income (ytd only)* | 35.5691% | 3,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4697% | 2,835 |
| Loan loss allowance to noncurrent loans | 63.8985% | 4,816 |
| Noncurrent assets plus other real estate owned to assets | 1.7375% | 2,810 |
| Noncurrent loans to loans | 2.3000% | 2,408 |
| Net loans and leases to total assets | 68.9072% | 4,277 |
| Net loans and leases to deposits | 85.8173% | 4,142 |
| Net loans and leases to core deposits | 150.0909% | 850 |
| Total domestic deposits to total assets | 80.2953% | 4,913 |
| Equity capital to assets | 9.6981% | 4,423 |
| Core capital (leverage) ratio | 9.2514% | 4,366 |
| Tier 1 risk-based capital ratio | 12.3671% | 4,532 |
| Total risk-based capital ratio | 13.6205% | 4,428 |
| Memoranda: | ||
| Average total assets | $457,308,000 | 1,500 |
| Average earning assets | $432,579,600 | 1,446 |
| Average equity | $40,815,600 | 1,641 |
| Average total loans | $272,169,800 | 1,758 |