Home > Mission Valley Bank > Performance and Condition Ratios
Mission Valley Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1735% | 514 |
| Cost of funding earning assets | 1.6320% | 1,609 |
| Net interest margin | 4.5415% | 572 |
| Noninterest income to average assets | 1.9300% | 279 |
| Noninterest expense to average assets | 3.6779% | 472 |
| Loan and lease loss provision to assets | 0.2300% | 514 |
| Net operating income to assets | 1.6113% | 850 |
| Return on assets (ROA) | 1.4897% | 1,005 |
| Pretax return on assets | 2.0880% | 584 |
| Return on Equity (ROE) | 15.4600% | 1,198 |
| Retained earnings to average equity (ytd only) | 13.6807% | 431 |
| Net charge-offs to loans | 0.0889% | 984 |
| Credit loss provision to net charge-offs | 325.3012% | 903 |
| Earnings coverage of net charge-offs (x) | 34.6916% | 1,538 |
| Efficiency ratio | 59.7849% | 3,103 |
| Assets per employee ($millions) | 6.9511% | 2,106 |
| Cash dividends to net income (ytd only)* | 11.5354% | 3,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3905% | 1,417 |
| Loan loss allowance to noncurrent loans | 403.4676% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.2736% | 1,859 |
| Noncurrent loans to loans | 0.3446% | 1,949 |
| Net loans and leases to total assets | 78.3000% | 835 |
| Net loans and leases to deposits | 97.5111% | 677 |
| Net loans and leases to core deposits | 122.4917% | 552 |
| Total domestic deposits to total assets | 80.2900% | 3,417 |
| Equity capital to assets | 9.1850% | 2,556 |
| Core capital (leverage) ratio | 10.5310% | 2,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4830% | 2,421 |
| Memoranda: | ||
| Average total assets | $581,932,400 | 1,519 |
| Average earning assets | $541,609,400 | 1,521 |
| Average equity | $56,057,200 | 1,468 |
| Average total loans | $466,556,200 | 1,307 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1300% | 452 |
| Cost of funding earning assets | 1.4343% | 1,779 |
| Net interest margin | 4.6958% | 463 |
| Noninterest income to average assets | 2.2500% | 255 |
| Noninterest expense to average assets | 3.5425% | 523 |
| Loan and lease loss provision to assets | 0.1900% | 580 |
| Net operating income to assets | 2.0464% | 473 |
| Return on assets (ROA) | 2.0423% | 466 |
| Pretax return on assets | 2.8828% | 259 |
| Return on Equity (ROE) | 20.9200% | 646 |
| Retained earnings to average equity (ytd only) | 20.9192% | 232 |
| Net charge-offs to loans | 0.1258% | 643 |
| Credit loss provision to net charge-offs | 186.9159% | 1,164 |
| Earnings coverage of net charge-offs (x) | 30.4159% | 1,588 |
| Efficiency ratio | 53.5154% | 3,623 |
| Assets per employee ($millions) | 6.5185% | 2,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3877% | 1,494 |
| Loan loss allowance to noncurrent loans | 352.6511% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 0.3215% | 1,740 |
| Noncurrent loans to loans | 0.3935% | 1,846 |
| Net loans and leases to total assets | 80.5600% | 585 |
| Net loans and leases to deposits | 97.2723% | 657 |
| Net loans and leases to core deposits | 116.5318% | 647 |
| Total domestic deposits to total assets | 82.8200% | 3,044 |
| Equity capital to assets | 10.1226% | 1,758 |
| Core capital (leverage) ratio | 11.1149% | 1,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6440% | 2,031 |
| Memoranda: | ||
| Average total assets | $564,065,250 | 1,567 |
| Average earning assets | $524,942,000 | 1,562 |
| Average equity | $55,067,750 | 1,477 |
| Average total loans | $453,494,500 | 1,329 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8721% | 519 |
| Cost of funding earning assets | 1.2014% | 1,988 |
| Net interest margin | 4.6707% | 482 |
| Noninterest income to average assets | 1.0900% | 500 |
| Noninterest expense to average assets | 3.5365% | 518 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.2952% | 1,583 |
| Return on assets (ROA) | 1.2952% | 1,571 |
| Pretax return on assets | 1.8216% | 972 |
| Return on Equity (ROE) | 13.4400% | 1,802 |
| Retained earnings to average equity (ytd only) | 13.4407% | 751 |
| Net charge-offs to loans | 0.1506% | 516 |
| Credit loss provision to net charge-offs | 59.7015% | 1,633 |
| Earnings coverage of net charge-offs (x) | 15.7284% | 1,844 |
| Efficiency ratio | 65.1291% | 2,357 |
| Assets per employee ($millions) | 6.5011% | 2,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3075% | 1,901 |
| Loan loss allowance to noncurrent loans | 2,336.1217% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.0720% | 3,055 |
| Noncurrent loans to loans | 0.0560% | 3,295 |
| Net loans and leases to total assets | 81.0600% | 510 |
| Net loans and leases to deposits | 99.9556% | 514 |
| Net loans and leases to core deposits | 120.4404% | 501 |
| Total domestic deposits to total assets | 81.1000% | 3,416 |
| Equity capital to assets | 9.6144% | 2,086 |
| Core capital (leverage) ratio | 10.8025% | 2,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9681% | 2,312 |
| Memoranda: | ||
| Average total assets | $556,531,333 | 1,588 |
| Average earning assets | $517,226,000 | 1,578 |
| Average equity | $53,628,333 | 1,515 |
| Average total loans | $444,902,667 | 1,330 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6724% | 472 |
| Cost of funding earning assets | 0.9578% | 2,194 |
| Net interest margin | 4.7146% | 433 |
| Noninterest income to average assets | 1.1600% | 464 |
| Noninterest expense to average assets | 3.4763% | 555 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.4151% | 1,366 |
| Return on assets (ROA) | 1.4214% | 1,322 |
| Pretax return on assets | 2.0002% | 782 |
| Return on Equity (ROE) | 14.7300% | 1,617 |
| Retained earnings to average equity (ytd only) | 14.7335% | 841 |
| Net charge-offs to loans | 0.3201% | 250 |
| Credit loss provision to net charge-offs | 28.9017% | 1,356 |
| Earnings coverage of net charge-offs (x) | 8.1879% | 1,732 |
| Efficiency ratio | 62.7335% | 2,604 |
| Assets per employee ($millions) | 6.4096% | 2,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4110% | 1,579 |
| Loan loss allowance to noncurrent loans | 4,218.8811% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.0536% | 3,247 |
| Noncurrent loans to loans | 0.0334% | 3,514 |
| Net loans and leases to total assets | 77.3700% | 836 |
| Net loans and leases to deposits | 94.1749% | 779 |
| Net loans and leases to core deposits | 112.9910% | 614 |
| Total domestic deposits to total assets | 82.1600% | 3,460 |
| Equity capital to assets | 9.8904% | 1,876 |
| Core capital (leverage) ratio | 10.8331% | 1,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7813% | 2,055 |
| Memoranda: | ||
| Average total assets | $548,747,000 | 1,630 |
| Average earning assets | $510,334,500 | 1,618 |
| Average equity | $52,940,500 | 1,536 |
| Average total loans | $432,397,500 | 1,377 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4440% | 810 |
| Cost of funding earning assets | 0.2729% | 3,124 |
| Net interest margin | 4.1712% | 575 |
| Noninterest income to average assets | 1.3000% | 409 |
| Noninterest expense to average assets | 3.2949% | 627 |
| Loan and lease loss provision to assets | 0.2100% | 483 |
| Net operating income to assets | 1.1972% | 1,777 |
| Return on assets (ROA) | 1.1838% | 1,773 |
| Pretax return on assets | 1.6425% | 1,053 |
| Return on Equity (ROE) | 12.5100% | 1,974 |
| Retained earnings to average equity (ytd only) | 12.5063% | 589 |
| Net charge-offs to loans | -0.0065% | 3,688 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.8544% | 2,515 |
| Assets per employee ($millions) | 6.5795% | 2,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3515% | 1,676 |
| Loan loss allowance to noncurrent loans | 3,787.8205% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.0552% | 3,252 |
| Noncurrent loans to loans | 0.0357% | 3,526 |
| Net loans and leases to total assets | 78.0400% | 793 |
| Net loans and leases to deposits | 92.2903% | 899 |
| Net loans and leases to core deposits | 109.5287% | 625 |
| Total domestic deposits to total assets | 84.5600% | 3,093 |
| Equity capital to assets | 9.4081% | 2,074 |
| Core capital (leverage) ratio | 10.7867% | 1,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1862% | 2,295 |
| Memoranda: | ||
| Average total assets | $534,981,600 | 1,647 |
| Average earning assets | $495,496,600 | 1,645 |
| Average equity | $50,638,600 | 1,603 |
| Average total loans | $366,742,000 | 1,494 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0782% | 1,104 |
| Cost of funding earning assets | 0.1549% | 3,799 |
| Net interest margin | 3.9233% | 759 |
| Noninterest income to average assets | 1.5100% | 361 |
| Noninterest expense to average assets | 3.2961% | 600 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 1.2087% | 1,668 |
| Return on assets (ROA) | 1.1904% | 1,712 |
| Pretax return on assets | 1.6769% | 949 |
| Return on Equity (ROE) | 12.5600% | 1,852 |
| Retained earnings to average equity (ytd only) | 12.5566% | 682 |
| Net charge-offs to loans | -0.0187% | 3,974 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.1966% | 2,516 |
| Assets per employee ($millions) | 6.8054% | 2,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3535% | 1,790 |
| Loan loss allowance to noncurrent loans | 2,613.5922% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.0696% | 3,199 |
| Noncurrent loans to loans | 0.0518% | 3,507 |
| Net loans and leases to total assets | 76.8800% | 818 |
| Net loans and leases to deposits | 91.9370% | 767 |
| Net loans and leases to core deposits | 109.8451% | 472 |
| Total domestic deposits to total assets | 83.6200% | 3,577 |
| Equity capital to assets | 9.8926% | 1,672 |
| Core capital (leverage) ratio | 10.9853% | 1,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9149% | 2,088 |
| Memoranda: | ||
| Average total assets | $530,556,500 | 1,674 |
| Average earning assets | $490,633,750 | 1,665 |
| Average equity | $50,299,000 | 1,640 |
| Average total loans | $349,122,000 | 1,540 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6098% | 1,812 |
| Cost of funding earning assets | 0.0844% | 4,330 |
| Net interest margin | 3.5254% | 1,246 |
| Noninterest income to average assets | 1.4782% | 342 |
| Noninterest expense to average assets | 3.2114% | 618 |
| Loan and lease loss provision to assets | 0.1489% | 641 |
| Net operating income to assets | 0.9850% | 2,209 |
| Return on assets (ROA) | 0.9667% | 2,257 |
| Pretax return on assets | 1.3606% | 1,552 |
| Return on Equity (ROE) | 10.3395% | 2,207 |
| Retained earnings to average equity (ytd only) | 10.3395% | 940 |
| Net charge-offs to loans | -0.0198% | 3,870 |
| Credit loss provision to net charge-offs | -1,212.1212% | 3,594 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6946% | 2,283 |
| Assets per employee ($millions) | 6.2768% | 2,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3960% | 1,774 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0385% | 3,596 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 76.2590% | 701 |
| Net loans and leases to deposits | 88.5904% | 799 |
| Net loans and leases to core deposits | 93.0699% | 970 |
| Total domestic deposits to total assets | 86.0804% | 3,226 |
| Equity capital to assets | 10.3389% | 1,512 |
| Core capital (leverage) ratio | 10.1930% | 2,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7003% | 1,803 |
| Memoranda: | ||
| Average total assets | $537,274,000 | 1,667 |
| Average earning assets | $497,697,333 | 1,666 |
| Average equity | $50,234,667 | 1,681 |
| Average total loans | $332,904,333 | 1,590 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1842% | 2,733 |
| Cost of funding earning assets | 0.0781% | 4,376 |
| Net interest margin | 3.1061% | 2,157 |
| Noninterest income to average assets | 1.7609% | 288 |
| Noninterest expense to average assets | 3.0376% | 776 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1374% | 1,414 |
| Return on assets (ROA) | 1.1172% | 1,475 |
| Pretax return on assets | 1.5716% | 876 |
| Return on Equity (ROE) | 12.5160% | 1,152 |
| Retained earnings to average equity (ytd only) | 12.5160% | 526 |
| Net charge-offs to loans | -0.0179% | 3,855 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5399% | 2,826 |
| Assets per employee ($millions) | 7.4967% | 1,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5499% | 1,402 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0335% | 3,705 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 54.9473% | 2,641 |
| Net loans and leases to deposits | 61.2505% | 2,783 |
| Net loans and leases to core deposits | 63.8669% | 2,804 |
| Total domestic deposits to total assets | 89.7092% | 1,712 |
| Equity capital to assets | 9.0577% | 2,661 |
| Core capital (leverage) ratio | 9.2262% | 3,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4877% | 1,387 |
| Memoranda: | ||
| Average total assets | $564,255,000 | 1,592 |
| Average earning assets | $522,074,500 | 1,608 |
| Average equity | $50,367,500 | 1,733 |
| Average total loans | $312,463,000 | 1,647 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8719% | 1,695 |
| Cost of funding earning assets | 0.0543% | 4,669 |
| Net interest margin | 3.8176% | 972 |
| Noninterest income to average assets | 1.7070% | 394 |
| Noninterest expense to average assets | 3.3381% | 591 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3315% | 1,513 |
| Return on assets (ROA) | 1.3277% | 1,564 |
| Pretax return on assets | 1.8753% | 775 |
| Return on Equity (ROE) | 13.1420% | 1,417 |
| Retained earnings to average equity (ytd only) | 13.1420% | 382 |
| Net charge-offs to loans | -0.0885% | 4,547 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9695% | 2,569 |
| Assets per employee ($millions) | 8.1965% | 1,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5176% | 1,496 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0333% | 3,796 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 54.1205% | 2,834 |
| Net loans and leases to deposits | 60.4688% | 3,037 |
| Net loans and leases to core deposits | 62.9670% | 3,076 |
| Total domestic deposits to total assets | 89.5016% | 1,236 |
| Equity capital to assets | 8.7994% | 3,808 |
| Core capital (leverage) ratio | 10.5435% | 1,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2689% | 1,442 |
| Memoranda: | ||
| Average total assets | $470,603,400 | 1,773 |
| Average earning assets | $432,841,800 | 1,792 |
| Average equity | $47,542,200 | 1,840 |
| Average total loans | $306,306,400 | 1,679 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1345% | 1,229 |
| Cost of funding earning assets | 0.0529% | 4,766 |
| Net interest margin | 4.0816% | 677 |
| Noninterest income to average assets | 1.9516% | 366 |
| Noninterest expense to average assets | 3.5732% | 418 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5016% | 1,273 |
| Return on assets (ROA) | 1.4978% | 1,324 |
| Pretax return on assets | 2.1186% | 657 |
| Return on Equity (ROE) | 14.2343% | 1,328 |
| Retained earnings to average equity (ytd only) | 14.2343% | 482 |
| Net charge-offs to loans | -0.1127% | 4,653 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7256% | 2,575 |
| Assets per employee ($millions) | 6.1418% | 2,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6677% | 1,180 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0665% | 3,662 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 63.6153% | 1,823 |
| Net loans and leases to deposits | 79.7662% | 1,313 |
| Net loans and leases to core deposits | 84.5528% | 1,385 |
| Total domestic deposits to total assets | 79.7522% | 4,263 |
| Equity capital to assets | 11.2003% | 1,890 |
| Core capital (leverage) ratio | 11.2469% | 1,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7301% | 1,415 |
| Memoranda: | ||
| Average total assets | $444,816,000 | 1,872 |
| Average earning assets | $408,131,500 | 1,893 |
| Average equity | $46,806,000 | 1,884 |
| Average total loans | $304,057,250 | 1,718 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1735% | 1,229 |
| Cost of funding earning assets | 0.0543% | 4,806 |
| Net interest margin | 4.1192% | 668 |
| Noninterest income to average assets | 1.4234% | 598 |
| Noninterest expense to average assets | 3.4432% | 507 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2468% | 2,029 |
| Return on assets (ROA) | 1.2426% | 2,110 |
| Pretax return on assets | 1.7524% | 1,351 |
| Return on Equity (ROE) | 12.0658% | 2,030 |
| Retained earnings to average equity (ytd only) | 12.0658% | 900 |
| Net charge-offs to loans | -0.1555% | 4,740 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2036% | 2,125 |
| Assets per employee ($millions) | 6.0429% | 2,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6609% | 1,144 |
| Loan loss allowance to noncurrent loans | 2,451.0309% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.1206% | 3,429 |
| Noncurrent loans to loans | 0.0678% | 3,852 |
| Net loans and leases to total assets | 66.5562% | 1,625 |
| Net loans and leases to deposits | 76.7122% | 1,751 |
| Net loans and leases to core deposits | 81.1458% | 1,780 |
| Total domestic deposits to total assets | 86.7609% | 2,441 |
| Equity capital to assets | 11.2048% | 1,831 |
| Core capital (leverage) ratio | 10.8488% | 1,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4265% | 1,492 |
| Memoranda: | ||
| Average total assets | $445,684,667 | 1,861 |
| Average earning assets | $408,717,000 | 1,884 |
| Average equity | $45,898,333 | 1,901 |
| Average total loans | $310,048,333 | 1,700 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1047% | 1,372 |
| Cost of funding earning assets | 0.0572% | 4,834 |
| Net interest margin | 4.0475% | 788 |
| Noninterest income to average assets | 0.7728% | 1,655 |
| Noninterest expense to average assets | 3.2874% | 625 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8595% | 3,236 |
| Return on assets (ROA) | 0.8498% | 3,350 |
| Pretax return on assets | 1.1921% | 2,865 |
| Return on Equity (ROE) | 8.6026% | 3,157 |
| Retained earnings to average equity (ytd only) | 8.6026% | 2,063 |
| Net charge-offs to loans | -0.1267% | 4,703 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1878% | 1,384 |
| Assets per employee ($millions) | 6.4840% | 2,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4189% | 1,878 |
| Loan loss allowance to noncurrent loans | 2,593.2584% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.1275% | 3,539 |
| Noncurrent loans to loans | 0.0547% | 4,013 |
| Net loans and leases to total assets | 72.7387% | 929 |
| Net loans and leases to deposits | 83.9712% | 1,147 |
| Net loans and leases to core deposits | 87.8718% | 1,379 |
| Total domestic deposits to total assets | 86.6233% | 2,476 |
| Equity capital to assets | 10.3005% | 2,432 |
| Core capital (leverage) ratio | 10.4100% | 2,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5375% | 1,416 |
| Memoranda: | ||
| Average total assets | $457,024,500 | 1,820 |
| Average earning assets | $419,908,500 | 1,839 |
| Average equity | $45,149,000 | 1,917 |
| Average total loans | $321,927,000 | 1,658 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0357% | 2,619 |
| Cost of funding earning assets | 0.0976% | 4,865 |
| Net interest margin | 3.9381% | 1,119 |
| Noninterest income to average assets | 0.9517% | 1,145 |
| Noninterest expense to average assets | 3.2201% | 1,023 |
| Loan and lease loss provision to assets | 0.4299% | 672 |
| Net operating income to assets | 0.6704% | 3,521 |
| Return on assets (ROA) | 0.6735% | 3,640 |
| Pretax return on assets | 0.9345% | 3,268 |
| Return on Equity (ROE) | 6.6810% | 3,337 |
| Retained earnings to average equity (ytd only) | 6.6810% | 1,517 |
| Net charge-offs to loans | 0.3491% | 500 |
| Credit loss provision to net charge-offs | 173.3833% | 2,301 |
| Earnings coverage of net charge-offs (x) | 5.4864% | 2,859 |
| Efficiency ratio | 70.2993% | 1,908 |
| Assets per employee ($millions) | 7.8857% | 1,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4172% | 1,905 |
| Loan loss allowance to noncurrent loans | 2,535.9551% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.1188% | 3,697 |
| Noncurrent loans to loans | 0.0559% | 4,068 |
| Net loans and leases to total assets | 66.3678% | 2,040 |
| Net loans and leases to deposits | 80.9040% | 1,775 |
| Net loans and leases to core deposits | 84.4468% | 1,998 |
| Total domestic deposits to total assets | 82.0328% | 3,654 |
| Equity capital to assets | 9.4860% | 3,627 |
| Core capital (leverage) ratio | 10.0560% | 2,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1268% | 1,485 |
| Memoranda: | ||
| Average total assets | $430,295,000 | 1,766 |
| Average earning assets | $396,513,200 | 1,779 |
| Average equity | $43,376,600 | 1,893 |
| Average total loans | $305,678,400 | 1,663 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0850% | 2,716 |
| Cost of funding earning assets | 0.1044% | 4,914 |
| Net interest margin | 3.9806% | 1,157 |
| Noninterest income to average assets | 0.8936% | 1,243 |
| Noninterest expense to average assets | 3.2298% | 1,018 |
| Loan and lease loss provision to assets | 0.6037% | 415 |
| Net operating income to assets | 0.5249% | 3,970 |
| Return on assets (ROA) | 0.5297% | 4,049 |
| Pretax return on assets | 0.7242% | 3,847 |
| Return on Equity (ROE) | 5.1688% | 3,843 |
| Retained earnings to average equity (ytd only) | 5.1688% | 2,489 |
| Net charge-offs to loans | 0.5823% | 249 |
| Credit loss provision to net charge-offs | 143.8304% | 2,362 |
| Earnings coverage of net charge-offs (x) | 3.1491% | 2,933 |
| Efficiency ratio | 70.9578% | 1,755 |
| Assets per employee ($millions) | 7.5126% | 1,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2698% | 2,298 |
| Loan loss allowance to noncurrent loans | 685.2146% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.2570% | 3,146 |
| Noncurrent loans to loans | 0.1853% | 3,649 |
| Net loans and leases to total assets | 71.9462% | 1,674 |
| Net loans and leases to deposits | 89.5363% | 1,315 |
| Net loans and leases to core deposits | 92.6363% | 1,743 |
| Total domestic deposits to total assets | 80.3542% | 3,792 |
| Equity capital to assets | 9.3742% | 3,793 |
| Core capital (leverage) ratio | 9.6836% | 3,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7260% | 1,581 |
| Memoranda: | ||
| Average total assets | $419,584,000 | 1,776 |
| Average earning assets | $385,593,500 | 1,791 |
| Average equity | $43,000,250 | 1,897 |
| Average total loans | $302,466,500 | 1,671 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2672% | 2,556 |
| Cost of funding earning assets | 0.1072% | 4,959 |
| Net interest margin | 4.1600% | 1,000 |
| Noninterest income to average assets | 0.8625% | 1,258 |
| Noninterest expense to average assets | 3.2030% | 1,150 |
| Loan and lease loss provision to assets | 0.4453% | 864 |
| Net operating income to assets | 0.7343% | 3,267 |
| Return on assets (ROA) | 0.7417% | 3,360 |
| Pretax return on assets | 1.0238% | 2,953 |
| Return on Equity (ROE) | 7.0081% | 3,128 |
| Retained earnings to average equity (ytd only) | 7.0081% | 1,659 |
| Net charge-offs to loans | 0.2737% | 579 |
| Credit loss provision to net charge-offs | 226.7003% | 1,814 |
| Earnings coverage of net charge-offs (x) | 7.4307% | 2,362 |
| Efficiency ratio | 68.6936% | 2,144 |
| Assets per employee ($millions) | 9.3777% | 609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2726% | 2,144 |
| Loan loss allowance to noncurrent loans | 331.0399% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.2526% | 3,302 |
| Noncurrent loans to loans | 0.3844% | 3,030 |
| Net loans and leases to total assets | 64.8650% | 2,773 |
| Net loans and leases to deposits | 82.8982% | 2,101 |
| Net loans and leases to core deposits | 85.6595% | 2,465 |
| Total domestic deposits to total assets | 78.2466% | 4,155 |
| Equity capital to assets | 8.5917% | 4,422 |
| Core capital (leverage) ratio | 10.5104% | 2,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9671% | 1,493 |
| Memoranda: | ||
| Average total assets | $404,185,333 | 1,804 |
| Average earning assets | $369,233,667 | 1,819 |
| Average equity | $42,779,333 | 1,894 |
| Average total loans | $290,148,333 | 1,708 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9595% | 1,048 |
| Cost of funding earning assets | 0.1271% | 5,004 |
| Net interest margin | 4.8323% | 259 |
| Noninterest income to average assets | 0.8893% | 1,090 |
| Noninterest expense to average assets | 3.6581% | 740 |
| Loan and lease loss provision to assets | 0.1133% | 2,267 |
| Net operating income to assets | 1.0759% | 1,919 |
| Return on assets (ROA) | 1.0876% | 1,984 |
| Pretax return on assets | 1.5249% | 1,245 |
| Return on Equity (ROE) | 9.0534% | 2,091 |
| Retained earnings to average equity (ytd only) | 9.0534% | 961 |
| Net charge-offs to loans | 0.0684% | 1,340 |
| Credit loss provision to net charge-offs | 217.3913% | 1,371 |
| Earnings coverage of net charge-offs (x) | 31.1522% | 1,152 |
| Efficiency ratio | 69.2621% | 2,471 |
| Assets per employee ($millions) | 6.1598% | 1,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3954% | 1,716 |
| Loan loss allowance to noncurrent loans | 310.2459% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.3475% | 3,049 |
| Noncurrent loans to loans | 0.4498% | 2,901 |
| Net loans and leases to total assets | 76.1746% | 1,273 |
| Net loans and leases to deposits | 88.7564% | 1,667 |
| Net loans and leases to core deposits | 93.1957% | 2,046 |
| Total domestic deposits to total assets | 85.8243% | 2,074 |
| Equity capital to assets | 12.2566% | 1,880 |
| Core capital (leverage) ratio | 12.2231% | 1,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5873% | 1,722 |
| Memoranda: | ||
| Average total assets | $353,079,000 | 1,946 |
| Average earning assets | $320,922,000 | 1,972 |
| Average equity | $42,415,000 | 1,899 |
| Average total loans | $268,868,000 | 1,763 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0735% | 1,278 |
| Cost of funding earning assets | 0.1624% | 5,029 |
| Net interest margin | 4.9111% | 325 |
| Noninterest income to average assets | 1.2068% | 648 |
| Noninterest expense to average assets | 3.7857% | 682 |
| Loan and lease loss provision to assets | 0.1621% | 1,287 |
| Net operating income to assets | 1.2106% | 2,020 |
| Return on assets (ROA) | 1.2097% | 2,112 |
| Pretax return on assets | 1.6887% | 1,218 |
| Return on Equity (ROE) | 9.5119% | 2,514 |
| Retained earnings to average equity (ytd only) | -13.1247% | 5,103 |
| Net charge-offs to loans | 0.2478% | 832 |
| Credit loss provision to net charge-offs | 90.3692% | 2,649 |
| Earnings coverage of net charge-offs (x) | 10.3258% | 2,583 |
| Efficiency ratio | 67.1501% | 2,597 |
| Assets per employee ($millions) | 5.9175% | 1,692 |
| Cash dividends to net income (ytd only)* | 237.9819% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4000% | 1,520 |
| Loan loss allowance to noncurrent loans | 703.9623% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.1493% | 3,887 |
| Noncurrent loans to loans | 0.1989% | 3,745 |
| Net loans and leases to total assets | 74.0079% | 1,750 |
| Net loans and leases to deposits | 85.8204% | 2,117 |
| Net loans and leases to core deposits | 90.0531% | 2,422 |
| Total domestic deposits to total assets | 86.2357% | 1,965 |
| Equity capital to assets | 11.7719% | 2,304 |
| Core capital (leverage) ratio | 11.7426% | 1,928 |
| Tier 1 risk-based capital ratio | 14.2744% | 3,133 |
| Total risk-based capital ratio | 15.5246% | 3,048 |
| Memoranda: | ||
| Average total assets | $347,359,000 | 1,919 |
| Average earning assets | $313,392,600 | 1,951 |
| Average equity | $44,176,400 | 1,784 |
| Average total loans | $251,367,200 | 1,822 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1255% | 1,228 |
| Cost of funding earning assets | 0.1670% | 5,093 |
| Net interest margin | 4.9585% | 317 |
| Noninterest income to average assets | 1.2359% | 595 |
| Noninterest expense to average assets | 3.8389% | 626 |
| Loan and lease loss provision to assets | 0.0243% | 3,408 |
| Net operating income to assets | 1.3258% | 1,749 |
| Return on assets (ROA) | 1.3258% | 1,816 |
| Pretax return on assets | 1.8531% | 973 |
| Return on Equity (ROE) | 10.2295% | 2,338 |
| Retained earnings to average equity (ytd only) | -19.5506% | 5,208 |
| Net charge-offs to loans | 0.1319% | 1,204 |
| Credit loss provision to net charge-offs | 25.7143% | 2,937 |
| Earnings coverage of net charge-offs (x) | 19.8530% | 1,983 |
| Efficiency ratio | 67.1573% | 2,556 |
| Assets per employee ($millions) | 5.5458% | 1,990 |
| Cash dividends to net income (ytd only)* | 291.1205% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4527% | 1,389 |
| Loan loss allowance to noncurrent loans | 328.5974% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 0.3246% | 3,250 |
| Noncurrent loans to loans | 0.4421% | 2,986 |
| Net loans and leases to total assets | 72.3516% | 2,127 |
| Net loans and leases to deposits | 84.0078% | 2,454 |
| Net loans and leases to core deposits | 88.5926% | 2,676 |
| Total domestic deposits to total assets | 86.1248% | 1,935 |
| Equity capital to assets | 12.1235% | 2,167 |
| Core capital (leverage) ratio | 11.7219% | 2,065 |
| Tier 1 risk-based capital ratio | 14.5287% | 3,063 |
| Total risk-based capital ratio | 15.7789% | 2,989 |
| Memoranda: | ||
| Average total assets | $345,436,250 | 1,937 |
| Average earning assets | $312,129,250 | 1,958 |
| Average equity | $44,771,500 | 1,768 |
| Average total loans | $247,585,000 | 1,851 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0719% | 1,298 |
| Cost of funding earning assets | 0.1663% | 5,133 |
| Net interest margin | 4.9057% | 345 |
| Noninterest income to average assets | 0.8746% | 1,139 |
| Noninterest expense to average assets | 3.8123% | 653 |
| Loan and lease loss provision to assets | 0.0362% | 3,090 |
| Net operating income to assets | 1.0563% | 2,695 |
| Return on assets (ROA) | 1.0500% | 2,793 |
| Pretax return on assets | 1.4628% | 1,979 |
| Return on Equity (ROE) | 7.9349% | 3,316 |
| Retained earnings to average equity (ytd only) | -13.7927% | 5,211 |
| Net charge-offs to loans | 0.1334% | 1,130 |
| Credit loss provision to net charge-offs | 38.1818% | 2,555 |
| Earnings coverage of net charge-offs (x) | 15.8848% | 1,963 |
| Efficiency ratio | 71.6679% | 1,970 |
| Assets per employee ($millions) | 5.5853% | 1,887 |
| Cash dividends to net income (ytd only)* | 273.8226% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5162% | 1,222 |
| Loan loss allowance to noncurrent loans | 269.4668% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.5726% | 2,293 |
| Noncurrent loans to loans | 0.5627% | 2,577 |
| Net loans and leases to total assets | 71.5040% | 2,285 |
| Net loans and leases to deposits | 83.8546% | 2,504 |
| Net loans and leases to core deposits | 88.5770% | 2,740 |
| Total domestic deposits to total assets | 85.2714% | 2,353 |
| Equity capital to assets | 13.2485% | 1,471 |
| Core capital (leverage) ratio | 13.0790% | 1,259 |
| Tier 1 risk-based capital ratio | 15.8427% | 2,481 |
| Total risk-based capital ratio | 17.0933% | 2,415 |
| Memoranda: | ||
| Average total assets | $347,817,000 | 1,942 |
| Average earning assets | $315,146,330 | 1,964 |
| Average equity | $46,024,330 | 1,713 |
| Average total loans | $247,323,670 | 1,857 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8089% | 1,875 |
| Cost of funding earning assets | 0.1649% | 5,190 |
| Net interest margin | 4.6440% | 558 |
| Noninterest income to average assets | 0.8041% | 1,293 |
| Noninterest expense to average assets | 3.5915% | 855 |
| Loan and lease loss provision to assets | 0.0497% | 2,662 |
| Net operating income to assets | 1.0072% | 2,813 |
| Return on assets (ROA) | 0.9848% | 2,944 |
| Pretax return on assets | 1.3643% | 2,217 |
| Return on Equity (ROE) | 7.4470% | 3,479 |
| Retained earnings to average equity (ytd only) | -9.6333% | 5,095 |
| Net charge-offs to loans | -0.0241% | 4,563 |
| Credit loss provision to net charge-offs | -293.3333% | 3,709 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3484% | 2,138 |
| Assets per employee ($millions) | 5.6906% | 1,803 |
| Cash dividends to net income (ytd only)* | 229.3578% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5341% | 1,227 |
| Loan loss allowance to noncurrent loans | 299.6109% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.5118% | 2,579 |
| Noncurrent loans to loans | 0.5120% | 2,780 |
| Net loans and leases to total assets | 68.9296% | 2,633 |
| Net loans and leases to deposits | 84.6871% | 2,300 |
| Net loans and leases to core deposits | 89.5442% | 2,549 |
| Total domestic deposits to total assets | 81.3933% | 3,883 |
| Equity capital to assets | 12.9251% | 1,497 |
| Core capital (leverage) ratio | 13.5648% | 1,071 |
| Tier 1 risk-based capital ratio | 16.1047% | 2,391 |
| Total risk-based capital ratio | 17.3563% | 2,344 |
| Memoranda: | ||
| Average total assets | $354,167,000 | 1,934 |
| Average earning assets | $322,567,500 | 1,947 |
| Average equity | $46,837,500 | 1,674 |
| Average total loans | $249,330,000 | 1,860 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1733% | 733 |
| Cost of funding earning assets | 0.1206% | 5,242 |
| Net interest margin | 5.0527% | 238 |
| Noninterest income to average assets | 0.8184% | 1,399 |
| Noninterest expense to average assets | 3.6933% | 779 |
| Loan and lease loss provision to assets | 0.1858% | 1,040 |
| Net operating income to assets | 1.1689% | 2,319 |
| Return on assets (ROA) | 1.1689% | 2,310 |
| Pretax return on assets | 1.5282% | 1,682 |
| Return on Equity (ROE) | 8.2965% | 3,325 |
| Retained earnings to average equity (ytd only) | 5.0489% | 2,738 |
| Net charge-offs to loans | 0.1460% | 1,309 |
| Credit loss provision to net charge-offs | 174.0000% | 1,614 |
| Earnings coverage of net charge-offs (x) | 16.0543% | 2,279 |
| Efficiency ratio | 68.3026% | 2,493 |
| Assets per employee ($millions) | 5.7349% | 1,728 |
| Cash dividends to net income (ytd only)* | 39.1441% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5305% | 1,199 |
| Loan loss allowance to noncurrent loans | 202.8357% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 0.5343% | 2,460 |
| Noncurrent loans to loans | 0.7546% | 2,116 |
| Net loans and leases to total assets | 69.7206% | 2,608 |
| Net loans and leases to deposits | 81.9682% | 2,735 |
| Net loans and leases to core deposits | 86.8359% | 2,854 |
| Total domestic deposits to total assets | 85.0581% | 2,623 |
| Equity capital to assets | 13.5318% | 1,137 |
| Core capital (leverage) ratio | 14.4279% | 819 |
| Tier 1 risk-based capital ratio | 16.6352% | 2,191 |
| Total risk-based capital ratio | 17.8862% | 2,137 |
| Memoranda: | ||
| Average total assets | $327,835,400 | 2,007 |
| Average earning assets | $297,739,200 | 2,031 |
| Average equity | $46,188,200 | 1,623 |
| Average total loans | $239,756,400 | 1,883 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2280% | 593 |
| Cost of funding earning assets | 0.1131% | 5,320 |
| Net interest margin | 5.1149% | 213 |
| Noninterest income to average assets | 0.7747% | 1,559 |
| Noninterest expense to average assets | 3.7641% | 694 |
| Loan and lease loss provision to assets | 0.1530% | 1,286 |
| Net operating income to assets | 1.1135% | 2,609 |
| Return on assets (ROA) | 1.1135% | 2,621 |
| Pretax return on assets | 1.4974% | 1,905 |
| Return on Equity (ROE) | 7.8196% | 3,618 |
| Retained earnings to average equity (ytd only) | 3.4624% | 4,038 |
| Net charge-offs to loans | -0.0353% | 4,806 |
| Credit loss provision to net charge-offs | -587.3016% | 4,526 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5187% | 2,269 |
| Assets per employee ($millions) | 5.2770% | 2,145 |
| Cash dividends to net income (ytd only)* | 55.7207% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6131% | 1,048 |
| Loan loss allowance to noncurrent loans | 162.3005% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 0.7982% | 1,852 |
| Noncurrent loans to loans | 0.9939% | 1,711 |
| Net loans and leases to total assets | 79.0132% | 1,164 |
| Net loans and leases to deposits | 94.6713% | 1,304 |
| Net loans and leases to core deposits | 98.0248% | 1,928 |
| Total domestic deposits to total assets | 83.4605% | 3,137 |
| Equity capital to assets | 15.0453% | 707 |
| Core capital (leverage) ratio | 14.2654% | 871 |
| Tier 1 risk-based capital ratio | 17.0027% | 2,109 |
| Total risk-based capital ratio | 18.2554% | 2,052 |
| Memoranda: | ||
| Average total assets | $322,337,000 | 2,045 |
| Average earning assets | $292,392,750 | 2,077 |
| Average equity | $45,900,750 | 1,638 |
| Average total loans | $237,772,000 | 1,904 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0455% | 736 |
| Cost of funding earning assets | 0.1120% | 5,373 |
| Net interest margin | 4.9335% | 278 |
| Noninterest income to average assets | 1.3064% | 563 |
| Noninterest expense to average assets | 3.6929% | 764 |
| Loan and lease loss provision to assets | 0.0037% | 3,743 |
| Net operating income to assets | 1.5243% | 1,091 |
| Return on assets (ROA) | 1.5243% | 1,093 |
| Pretax return on assets | 2.0967% | 493 |
| Return on Equity (ROE) | 10.8961% | 2,153 |
| Retained earnings to average equity (ytd only) | 4.3532% | 3,424 |
| Net charge-offs to loans | -0.0306% | 4,743 |
| Credit loss provision to net charge-offs | -16.6667% | 3,948 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7455% | 3,354 |
| Assets per employee ($millions) | 5.4910% | 1,885 |
| Cash dividends to net income (ytd only)* | 60.0480% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5255% | 1,315 |
| Loan loss allowance to noncurrent loans | 331.2326% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 0.3388% | 3,394 |
| Noncurrent loans to loans | 0.4606% | 3,054 |
| Net loans and leases to total assets | 72.4412% | 2,204 |
| Net loans and leases to deposits | 86.0229% | 2,306 |
| Net loans and leases to core deposits | 89.6539% | 2,601 |
| Total domestic deposits to total assets | 84.2115% | 2,986 |
| Equity capital to assets | 14.4129% | 827 |
| Core capital (leverage) ratio | 13.9484% | 920 |
| Tier 1 risk-based capital ratio | 17.6664% | 1,900 |
| Total risk-based capital ratio | 18.9178% | 1,855 |
| Memoranda: | ||
| Average total assets | $327,760,000 | 2,019 |
| Average earning assets | $298,086,000 | 2,056 |
| Average equity | $45,851,330 | 1,639 |
| Average total loans | $235,096,330 | 1,920 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9199% | 833 |
| Cost of funding earning assets | 0.1094% | 5,434 |
| Net interest margin | 4.8105% | 337 |
| Noninterest income to average assets | 1.7714% | 319 |
| Noninterest expense to average assets | 3.6306% | 837 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.8520% | 509 |
| Return on assets (ROA) | 1.8520% | 510 |
| Pretax return on assets | 2.5307% | 202 |
| Return on Equity (ROE) | 13.4334% | 1,150 |
| Retained earnings to average equity (ytd only) | 13.4334% | 462 |
| Net charge-offs to loans | -0.0170% | 4,472 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9258% | 4,228 |
| Assets per employee ($millions) | 6.0924% | 1,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5735% | 1,224 |
| Loan loss allowance to noncurrent loans | 380.8602% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.2775% | 3,751 |
| Noncurrent loans to loans | 0.4132% | 3,299 |
| Net loans and leases to total assets | 66.1199% | 3,017 |
| Net loans and leases to deposits | 77.8898% | 3,028 |
| Net loans and leases to core deposits | 80.9887% | 3,242 |
| Total domestic deposits to total assets | 84.8891% | 2,977 |
| Equity capital to assets | 13.8882% | 920 |
| Core capital (leverage) ratio | 14.0710% | 862 |
| Tier 1 risk-based capital ratio | 18.1475% | 1,788 |
| Total risk-based capital ratio | 19.3990% | 1,746 |
| Memoranda: | ||
| Average total assets | $332,400,500 | 2,007 |
| Average earning assets | $303,336,500 | 2,038 |
| Average equity | $45,826,000 | 1,649 |
| Average total loans | $235,502,500 | 1,927 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8089% | 961 |
| Cost of funding earning assets | 0.1202% | 5,410 |
| Net interest margin | 4.6888% | 431 |
| Noninterest income to average assets | 1.2710% | 658 |
| Noninterest expense to average assets | 3.4389% | 1,138 |
| Loan and lease loss provision to assets | 0.0737% | 2,736 |
| Net operating income to assets | 1.2162% | 1,464 |
| Return on assets (ROA) | 1.2162% | 1,492 |
| Pretax return on assets | 2.0522% | 436 |
| Return on Equity (ROE) | 8.8835% | 2,365 |
| Retained earnings to average equity (ytd only) | 6.6127% | 1,225 |
| Net charge-offs to loans | 0.1028% | 2,040 |
| Credit loss provision to net charge-offs | 94.0476% | 2,713 |
| Earnings coverage of net charge-offs (x) | 27.1349% | 1,647 |
| Efficiency ratio | 61.7967% | 3,971 |
| Assets per employee ($millions) | 6.1059% | 1,449 |
| Cash dividends to net income (ytd only)* | 25.5624% | 3,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4363% | 1,627 |
| Loan loss allowance to noncurrent loans | 428.1212% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.2502% | 3,887 |
| Noncurrent loans to loans | 0.3355% | 3,561 |
| Net loans and leases to total assets | 73.5096% | 2,000 |
| Net loans and leases to deposits | 86.3033% | 2,219 |
| Net loans and leases to core deposits | 89.7752% | 2,585 |
| Total domestic deposits to total assets | 85.1759% | 2,767 |
| Equity capital to assets | 13.6829% | 991 |
| Core capital (leverage) ratio | 13.9290% | 849 |
| Tier 1 risk-based capital ratio | 17.8326% | 1,848 |
| Total risk-based capital ratio | 19.0845% | 1,797 |
| Memoranda: | ||
| Average total assets | $321,647,000 | 2,058 |
| Average earning assets | $294,555,600 | 2,071 |
| Average equity | $44,036,600 | 1,686 |
| Average total loans | $245,129,200 | 1,848 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8174% | 895 |
| Cost of funding earning assets | 0.1230% | 5,460 |
| Net interest margin | 4.6945% | 412 |
| Noninterest income to average assets | 1.5217% | 470 |
| Noninterest expense to average assets | 3.5323% | 943 |
| Loan and lease loss provision to assets | 0.0254% | 3,626 |
| Net operating income to assets | 1.4362% | 1,016 |
| Return on assets (ROA) | 1.4362% | 1,034 |
| Pretax return on assets | 2.2638% | 311 |
| Return on Equity (ROE) | 10.4886% | 1,908 |
| Retained earnings to average equity (ytd only) | 7.4423% | 1,463 |
| Net charge-offs to loans | -0.0131% | 4,720 |
| Credit loss provision to net charge-offs | -254.1667% | 4,675 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6764% | 4,095 |
| Assets per employee ($millions) | 5.5591% | 1,870 |
| Cash dividends to net income (ytd only)* | 29.0445% | 2,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4802% | 1,608 |
| Loan loss allowance to noncurrent loans | 426.2911% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.2689% | 3,994 |
| Noncurrent loans to loans | 0.3472% | 3,703 |
| Net loans and leases to total assets | 76.2901% | 1,540 |
| Net loans and leases to deposits | 90.0381% | 1,803 |
| Net loans and leases to core deposits | 95.3098% | 2,145 |
| Total domestic deposits to total assets | 84.7308% | 2,823 |
| Equity capital to assets | 14.1119% | 960 |
| Core capital (leverage) ratio | 13.7535% | 958 |
| Tier 1 risk-based capital ratio | 17.6886% | 1,951 |
| Total risk-based capital ratio | 18.9409% | 1,887 |
| Memoranda: | ||
| Average total assets | $319,629,000 | 2,076 |
| Average earning assets | $292,763,500 | 2,094 |
| Average equity | $43,767,000 | 1,714 |
| Average total loans | $244,934,750 | 1,852 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7494% | 966 |
| Cost of funding earning assets | 0.1242% | 5,485 |
| Net interest margin | 4.6252% | 457 |
| Noninterest income to average assets | 1.4999% | 482 |
| Noninterest expense to average assets | 3.4272% | 1,116 |
| Loan and lease loss provision to assets | 0.0381% | 3,252 |
| Net operating income to assets | 1.4463% | 959 |
| Return on assets (ROA) | 1.4463% | 987 |
| Pretax return on assets | 2.2873% | 308 |
| Return on Equity (ROE) | 10.6696% | 1,772 |
| Retained earnings to average equity (ytd only) | 10.6696% | 484 |
| Net charge-offs to loans | -0.0180% | 4,741 |
| Credit loss provision to net charge-offs | -277.2727% | 4,534 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5770% | 4,384 |
| Assets per employee ($millions) | 5.9080% | 1,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4789% | 1,651 |
| Loan loss allowance to noncurrent loans | 394.1368% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.2941% | 3,957 |
| Noncurrent loans to loans | 0.3752% | 3,681 |
| Net loans and leases to total assets | 77.2300% | 1,360 |
| Net loans and leases to deposits | 91.1179% | 1,593 |
| Net loans and leases to core deposits | 96.4076% | 1,940 |
| Total domestic deposits to total assets | 84.7584% | 2,904 |
| Equity capital to assets | 14.2385% | 893 |
| Core capital (leverage) ratio | 14.0591% | 847 |
| Tier 1 risk-based capital ratio | 17.3632% | 2,052 |
| Total risk-based capital ratio | 18.6154% | 2,007 |
| Memoranda: | ||
| Average total assets | $320,549,670 | 2,081 |
| Average earning assets | $294,732,670 | 2,091 |
| Average equity | $43,450,670 | 1,718 |
| Average total loans | $244,789,670 | 1,854 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6261% | 1,077 |
| Cost of funding earning assets | 0.1241% | 5,530 |
| Net interest margin | 4.5020% | 522 |
| Noninterest income to average assets | 1.8306% | 353 |
| Noninterest expense to average assets | 3.3590% | 1,273 |
| Loan and lease loss provision to assets | -0.0271% | 5,682 |
| Net operating income to assets | 1.6517% | 607 |
| Return on assets (ROA) | 1.6517% | 622 |
| Pretax return on assets | 2.6608% | 173 |
| Return on Equity (ROE) | 12.4895% | 1,114 |
| Retained earnings to average equity (ytd only) | 12.4895% | 423 |
| Net charge-offs to loans | -0.0049% | 4,177 |
| Credit loss provision to net charge-offs | 733.3333% | 440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0519% | 4,935 |
| Assets per employee ($millions) | 6.5982% | 1,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4343% | 1,926 |
| Loan loss allowance to noncurrent loans | 355.2870% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.3071% | 3,962 |
| Noncurrent loans to loans | 0.4037% | 3,648 |
| Net loans and leases to total assets | 74.9885% | 1,577 |
| Net loans and leases to deposits | 88.1984% | 1,770 |
| Net loans and leases to core deposits | 94.5437% | 1,932 |
| Total domestic deposits to total assets | 85.0225% | 3,081 |
| Equity capital to assets | 13.4740% | 1,074 |
| Core capital (leverage) ratio | 13.5566% | 960 |
| Tier 1 risk-based capital ratio | 16.7327% | 2,268 |
| Total risk-based capital ratio | 17.9843% | 2,238 |
| Memoranda: | ||
| Average total assets | $324,263,000 | 2,072 |
| Average earning assets | $299,780,000 | 2,071 |
| Average equity | $42,884,000 | 1,743 |
| Average total loans | $244,457,000 | 1,869 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1160% | 2,786 |
| Cost of funding earning assets | 0.1396% | 5,489 |
| Net interest margin | 3.9765% | 1,711 |
| Noninterest income to average assets | 1.8801% | 369 |
| Noninterest expense to average assets | 3.4927% | 1,173 |
| Loan and lease loss provision to assets | 0.0962% | 2,444 |
| Net operating income to assets | 1.1997% | 1,516 |
| Return on assets (ROA) | 1.1997% | 1,599 |
| Pretax return on assets | 1.9848% | 518 |
| Return on Equity (ROE) | 8.9677% | 2,438 |
| Retained earnings to average equity (ytd only) | 7.7409% | 946 |
| Net charge-offs to loans | 0.1473% | 1,791 |
| Credit loss provision to net charge-offs | 88.5196% | 2,828 |
| Earnings coverage of net charge-offs (x) | 19.1541% | 1,924 |
| Efficiency ratio | 62.6642% | 4,155 |
| Assets per employee ($millions) | 6.5043% | 1,151 |
| Cash dividends to net income (ytd only)* | 13.6799% | 3,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4600% | 1,835 |
| Loan loss allowance to noncurrent loans | 332.4274% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.3281% | 3,967 |
| Noncurrent loans to loans | 0.4392% | 3,572 |
| Net loans and leases to total assets | 73.6107% | 1,912 |
| Net loans and leases to deposits | 85.9450% | 2,180 |
| Net loans and leases to core deposits | 94.1317% | 2,092 |
| Total domestic deposits to total assets | 85.6486% | 2,756 |
| Equity capital to assets | 12.9776% | 1,269 |
| Core capital (leverage) ratio | 13.1266% | 1,093 |
| Tier 1 risk-based capital ratio | 16.4584% | 2,364 |
| Total risk-based capital ratio | 17.7105% | 2,302 |
| Memoranda: | ||
| Average total assets | $304,665,200 | 2,142 |
| Average earning assets | $282,990,200 | 2,137 |
| Average equity | $40,757,600 | 1,821 |
| Average total loans | $224,646,200 | 1,948 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2157% | 2,458 |
| Cost of funding earning assets | 0.1400% | 5,548 |
| Net interest margin | 4.0756% | 1,460 |
| Noninterest income to average assets | 1.5339% | 520 |
| Noninterest expense to average assets | 3.5001% | 1,148 |
| Loan and lease loss provision to assets | 0.1135% | 2,035 |
| Net operating income to assets | 1.0327% | 2,277 |
| Return on assets (ROA) | 1.0327% | 2,405 |
| Pretax return on assets | 1.7031% | 1,108 |
| Return on Equity (ROE) | 7.6574% | 3,215 |
| Retained earnings to average equity (ytd only) | 7.6574% | 1,333 |
| Net charge-offs to loans | 0.2726% | 850 |
| Credit loss provision to net charge-offs | 56.6667% | 2,950 |
| Earnings coverage of net charge-offs (x) | 9.0688% | 2,710 |
| Efficiency ratio | 65.8322% | 3,616 |
| Assets per employee ($millions) | 6.0756% | 1,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3907% | 2,243 |
| Loan loss allowance to noncurrent loans | 247.8070% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 0.4415% | 3,657 |
| Noncurrent loans to loans | 0.5612% | 3,317 |
| Net loans and leases to total assets | 77.5747% | 1,273 |
| Net loans and leases to deposits | 90.8342% | 1,652 |
| Net loans and leases to core deposits | 99.4357% | 1,688 |
| Total domestic deposits to total assets | 85.4026% | 2,641 |
| Equity capital to assets | 13.4230% | 1,281 |
| Core capital (leverage) ratio | 13.4528% | 1,017 |
| Tier 1 risk-based capital ratio | 16.3693% | 2,464 |
| Total risk-based capital ratio | 17.6218% | 2,418 |
| Memoranda: | ||
| Average total assets | $299,527,750 | 2,177 |
| Average earning assets | $278,003,250 | 2,173 |
| Average equity | $40,395,750 | 1,845 |
| Average total loans | $220,072,750 | 1,979 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0299% | 3,136 |
| Cost of funding earning assets | 0.1412% | 5,604 |
| Net interest margin | 3.8887% | 2,021 |
| Noninterest income to average assets | 1.7177% | 431 |
| Noninterest expense to average assets | 3.4483% | 1,267 |
| Loan and lease loss provision to assets | 0.0027% | 3,981 |
| Net operating income to assets | 1.1436% | 1,798 |
| Return on assets (ROA) | 1.1436% | 1,915 |
| Pretax return on assets | 1.8745% | 737 |
| Return on Equity (ROE) | 8.4656% | 2,765 |
| Retained earnings to average equity (ytd only) | 8.4656% | 1,020 |
| Net charge-offs to loans | -0.0085% | 4,655 |
| Credit loss provision to net charge-offs | -44.4444% | 4,518 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7514% | 3,889 |
| Assets per employee ($millions) | 5.5294% | 1,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6174% | 1,480 |
| Loan loss allowance to noncurrent loans | 368.2702% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.3272% | 4,189 |
| Noncurrent loans to loans | 0.4392% | 3,793 |
| Net loans and leases to total assets | 73.2953% | 1,961 |
| Net loans and leases to deposits | 86.2046% | 2,224 |
| Net loans and leases to core deposits | 98.8041% | 1,741 |
| Total domestic deposits to total assets | 85.0249% | 2,871 |
| Equity capital to assets | 13.7256% | 1,132 |
| Core capital (leverage) ratio | 13.7859% | 879 |
| Tier 1 risk-based capital ratio | 16.8225% | 2,294 |
| Total risk-based capital ratio | 18.0776% | 2,245 |
| Memoranda: | ||
| Average total assets | $296,085,000 | 2,204 |
| Average earning assets | $274,694,000 | 2,205 |
| Average equity | $39,997,000 | 1,855 |
| Average total loans | $212,177,000 | 2,033 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2347% | 2,348 |
| Cost of funding earning assets | 0.1428% | 5,658 |
| Net interest margin | 4.0919% | 1,363 |
| Noninterest income to average assets | 1.1274% | 857 |
| Noninterest expense to average assets | 3.4555% | 1,272 |
| Loan and lease loss provision to assets | 0.0054% | 3,603 |
| Net operating income to assets | 0.9049% | 2,731 |
| Return on assets (ROA) | 0.9049% | 2,854 |
| Pretax return on assets | 1.4761% | 1,670 |
| Return on Equity (ROE) | 6.7537% | 3,590 |
| Retained earnings to average equity (ytd only) | 6.7537% | 2,009 |
| Net charge-offs to loans | -0.0039% | 4,223 |
| Credit loss provision to net charge-offs | -200.0000% | 4,347 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9918% | 3,131 |
| Assets per employee ($millions) | 5.5734% | 1,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7079% | 1,348 |
| Loan loss allowance to noncurrent loans | 347.6283% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 0.3432% | 4,185 |
| Noncurrent loans to loans | 0.4913% | 3,706 |
| Net loans and leases to total assets | 68.6700% | 2,546 |
| Net loans and leases to deposits | 80.1489% | 2,773 |
| Net loans and leases to core deposits | 91.4765% | 2,234 |
| Total domestic deposits to total assets | 85.6780% | 2,822 |
| Equity capital to assets | 13.2547% | 1,290 |
| Core capital (leverage) ratio | 13.4752% | 994 |
| Tier 1 risk-based capital ratio | 17.2649% | 2,188 |
| Total risk-based capital ratio | 18.5203% | 2,156 |
| Memoranda: | ||
| Average total assets | $294,833,500 | 2,214 |
| Average earning assets | $274,492,000 | 2,213 |
| Average equity | $39,504,000 | 1,868 |
| Average total loans | $207,041,000 | 2,084 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5340% | 1,505 |
| Cost of funding earning assets | 0.1756% | 5,496 |
| Net interest margin | 4.3584% | 863 |
| Noninterest income to average assets | 1.2681% | 744 |
| Noninterest expense to average assets | 3.7033% | 973 |
| Loan and lease loss provision to assets | -0.3668% | 6,093 |
| Net operating income to assets | 1.1973% | 1,560 |
| Return on assets (ROA) | 1.1973% | 1,632 |
| Pretax return on assets | 1.9759% | 562 |
| Return on Equity (ROE) | 8.8323% | 2,535 |
| Retained earnings to average equity (ytd only) | 7.4940% | 1,101 |
| Net charge-offs to loans | -0.2461% | 5,986 |
| Credit loss provision to net charge-offs | 211.9497% | 1,334 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7104% | 3,266 |
| Assets per employee ($millions) | 5.4472% | 1,861 |
| Cash dividends to net income (ytd only)* | 15.1515% | 3,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7589% | 1,221 |
| Loan loss allowance to noncurrent loans | 329.8068% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 0.3765% | 4,086 |
| Noncurrent loans to loans | 0.5333% | 3,570 |
| Net loans and leases to total assets | 69.3564% | 2,475 |
| Net loans and leases to deposits | 81.4758% | 2,655 |
| Net loans and leases to core deposits | 93.7974% | 2,063 |
| Total domestic deposits to total assets | 85.1252% | 3,029 |
| Equity capital to assets | 13.5489% | 1,110 |
| Core capital (leverage) ratio | 13.4573% | 987 |
| Tier 1 risk-based capital ratio | 17.2526% | 2,198 |
| Total risk-based capital ratio | 18.5073% | 2,156 |
| Memoranda: | ||
| Average total assets | $275,619,000 | 2,302 |
| Average earning assets | $255,757,600 | 2,297 |
| Average equity | $37,363,000 | 1,913 |
| Average total loans | $193,790,200 | 2,134 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6724% | 1,151 |
| Cost of funding earning assets | 0.1817% | 5,535 |
| Net interest margin | 4.4908% | 667 |
| Noninterest income to average assets | 1.0785% | 1,037 |
| Noninterest expense to average assets | 3.7485% | 909 |
| Loan and lease loss provision to assets | -0.0029% | 5,789 |
| Net operating income to assets | 0.9165% | 2,886 |
| Return on assets (ROA) | 0.9165% | 2,967 |
| Pretax return on assets | 1.4956% | 1,689 |
| Return on Equity (ROE) | 6.7595% | 3,751 |
| Retained earnings to average equity (ytd only) | 4.9541% | 2,946 |
| Net charge-offs to loans | -0.3262% | 6,098 |
| Credit loss provision to net charge-offs | 1.2821% | 3,514 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5206% | 2,956 |
| Assets per employee ($millions) | 5.0899% | 2,191 |
| Cash dividends to net income (ytd only)* | 26.7094% | 2,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3137% | 566 |
| Loan loss allowance to noncurrent loans | 400.4371% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.4087% | 4,140 |
| Noncurrent loans to loans | 0.5778% | 3,600 |
| Net loans and leases to total assets | 69.0890% | 2,523 |
| Net loans and leases to deposits | 80.9025% | 2,774 |
| Net loans and leases to core deposits | 93.7537% | 2,100 |
| Total domestic deposits to total assets | 85.3979% | 2,826 |
| Equity capital to assets | 13.4901% | 1,230 |
| Core capital (leverage) ratio | 13.4212% | 1,048 |
| Tier 1 risk-based capital ratio | 17.3003% | 2,257 |
| Total risk-based capital ratio | 18.5611% | 2,205 |
| Memoranda: | ||
| Average total assets | $272,348,000 | 2,335 |
| Average earning assets | $252,452,750 | 2,343 |
| Average equity | $36,924,750 | 1,949 |
| Average total loans | $191,283,000 | 2,166 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8368% | 827 |
| Cost of funding earning assets | 0.1873% | 5,551 |
| Net interest margin | 4.6495% | 479 |
| Noninterest income to average assets | 1.1393% | 926 |
| Noninterest expense to average assets | 3.8397% | 825 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9836% | 2,484 |
| Return on assets (ROA) | 0.9836% | 2,592 |
| Pretax return on assets | 1.6055% | 1,312 |
| Return on Equity (ROE) | 7.2425% | 3,462 |
| Retained earnings to average equity (ytd only) | 4.5136% | 3,150 |
| Net charge-offs to loans | 0.0180% | 3,337 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 127.4118% | 493 |
| Efficiency ratio | 70.5146% | 3,261 |
| Assets per employee ($millions) | 5.2900% | 1,935 |
| Cash dividends to net income (ytd only)* | 37.6790% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2477% | 687 |
| Loan loss allowance to noncurrent loans | 342.4040% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.4441% | 4,150 |
| Noncurrent loans to loans | 0.6564% | 3,509 |
| Net loans and leases to total assets | 66.1239% | 2,929 |
| Net loans and leases to deposits | 77.6197% | 3,075 |
| Net loans and leases to core deposits | 90.7405% | 2,269 |
| Total domestic deposits to total assets | 85.1895% | 3,042 |
| Equity capital to assets | 13.7671% | 1,069 |
| Core capital (leverage) ratio | 13.2732% | 1,060 |
| Tier 1 risk-based capital ratio | 17.8223% | 2,124 |
| Total risk-based capital ratio | 19.0817% | 2,076 |
| Memoranda: | ||
| Average total assets | $269,815,330 | 2,375 |
| Average earning assets | $249,876,330 | 2,368 |
| Average equity | $36,644,670 | 1,964 |
| Average total loans | $189,046,330 | 2,190 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9726% | 596 |
| Cost of funding earning assets | 0.1843% | 5,652 |
| Net interest margin | 4.7883% | 361 |
| Noninterest income to average assets | 1.0421% | 1,027 |
| Noninterest expense to average assets | 4.0959% | 623 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8494% | 3,013 |
| Return on assets (ROA) | 0.8494% | 3,131 |
| Pretax return on assets | 1.3757% | 1,977 |
| Return on Equity (ROE) | 6.2974% | 3,876 |
| Retained earnings to average equity (ytd only) | 0.8023% | 5,135 |
| Net charge-offs to loans | -0.1123% | 5,896 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8578% | 2,677 |
| Assets per employee ($millions) | 5.8612% | 1,495 |
| Cash dividends to net income (ytd only)* | 87.2600% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1569% | 847 |
| Loan loss allowance to noncurrent loans | 252.2975% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 0.6004% | 3,680 |
| Noncurrent loans to loans | 0.8549% | 3,108 |
| Net loans and leases to total assets | 68.7178% | 2,329 |
| Net loans and leases to deposits | 80.3144% | 2,528 |
| Net loans and leases to core deposits | 93.4709% | 1,813 |
| Total domestic deposits to total assets | 85.5610% | 3,148 |
| Equity capital to assets | 13.2371% | 1,286 |
| Core capital (leverage) ratio | 13.5001% | 972 |
| Tier 1 risk-based capital ratio | 16.6788% | 2,603 |
| Total risk-based capital ratio | 17.9372% | 2,554 |
| Memoranda: | ||
| Average total assets | $269,828,500 | 2,389 |
| Average earning assets | $249,609,500 | 2,385 |
| Average equity | $36,396,000 | 1,988 |
| Average total loans | $192,321,000 | 2,155 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6209% | 1,498 |
| Cost of funding earning assets | 0.2200% | 5,593 |
| Net interest margin | 4.4009% | 885 |
| Noninterest income to average assets | 1.2096% | 815 |
| Noninterest expense to average assets | 4.1269% | 662 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7066% | 3,854 |
| Return on assets (ROA) | 0.7105% | 3,947 |
| Pretax return on assets | 1.1438% | 2,907 |
| Return on Equity (ROE) | 5.0710% | 4,625 |
| Retained earnings to average equity (ytd only) | -1.0723% | 5,930 |
| Net charge-offs to loans | -0.3048% | 6,337 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3903% | 2,150 |
| Assets per employee ($millions) | 4.4030% | 3,186 |
| Cash dividends to net income (ytd only)* | 121.1456% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1546% | 877 |
| Loan loss allowance to noncurrent loans | 180.8165% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 0.8623% | 3,052 |
| Noncurrent loans to loans | 1.1916% | 2,459 |
| Net loans and leases to total assets | 70.8034% | 2,109 |
| Net loans and leases to deposits | 83.3425% | 2,289 |
| Net loans and leases to core deposits | 97.4574% | 1,595 |
| Total domestic deposits to total assets | 84.9546% | 3,300 |
| Equity capital to assets | 13.7508% | 1,049 |
| Core capital (leverage) ratio | 13.6133% | 933 |
| Tier 1 risk-based capital ratio | 16.9398% | 2,535 |
| Total risk-based capital ratio | 18.1987% | 2,488 |
| Memoranda: | ||
| Average total assets | $262,906,800 | 2,402 |
| Average earning assets | $242,248,400 | 2,410 |
| Average equity | $36,836,800 | 1,910 |
| Average total loans | $178,178,000 | 2,250 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6052% | 1,547 |
| Cost of funding earning assets | 0.2297% | 5,592 |
| Net interest margin | 4.3755% | 921 |
| Noninterest income to average assets | 1.0267% | 1,171 |
| Noninterest expense to average assets | 4.1656% | 635 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5650% | 4,612 |
| Return on assets (ROA) | 0.5702% | 4,667 |
| Pretax return on assets | 0.9018% | 3,977 |
| Return on Equity (ROE) | 4.0507% | 5,151 |
| Retained earnings to average equity (ytd only) | 2.9686% | 4,487 |
| Net charge-offs to loans | -0.3887% | 6,425 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3364% | 1,572 |
| Assets per employee ($millions) | 4.1240% | 3,613 |
| Cash dividends to net income (ytd only)* | 26.7141% | 2,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2694% | 859 |
| Loan loss allowance to noncurrent loans | 178.5059% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 0.8810% | 3,231 |
| Noncurrent loans to loans | 1.2713% | 2,518 |
| Net loans and leases to total assets | 67.7269% | 2,578 |
| Net loans and leases to deposits | 80.2902% | 2,647 |
| Net loans and leases to core deposits | 93.5546% | 1,912 |
| Total domestic deposits to total assets | 84.3527% | 3,615 |
| Equity capital to assets | 14.4118% | 871 |
| Core capital (leverage) ratio | 14.6672% | 681 |
| Tier 1 risk-based capital ratio | 18.2589% | 2,130 |
| Total risk-based capital ratio | 19.5187% | 2,090 |
| Memoranda: | ||
| Average total assets | $262,588,250 | 2,426 |
| Average earning assets | $242,010,750 | 2,422 |
| Average equity | $36,964,250 | 1,907 |
| Average total loans | $174,930,500 | 2,294 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6130% | 1,496 |
| Cost of funding earning assets | 0.2361% | 5,619 |
| Net interest margin | 4.3769% | 888 |
| Noninterest income to average assets | 0.9556% | 1,316 |
| Noninterest expense to average assets | 4.2563% | 575 |
| Loan and lease loss provision to assets | -0.0653% | 6,326 |
| Net operating income to assets | 0.5053% | 4,788 |
| Return on assets (ROA) | 0.5131% | 4,849 |
| Pretax return on assets | 0.8000% | 4,266 |
| Return on Equity (ROE) | 3.6735% | 5,280 |
| Retained earnings to average equity (ytd only) | 2.0432% | 4,869 |
| Net charge-offs to loans | -0.2136% | 6,358 |
| Credit loss provision to net charge-offs | 46.4865% | 2,842 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4878% | 1,323 |
| Assets per employee ($millions) | 4.0867% | 3,673 |
| Cash dividends to net income (ytd only)* | 44.3787% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0618% | 1,250 |
| Loan loss allowance to noncurrent loans | 77.4826% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 1.8719% | 1,740 |
| Noncurrent loans to loans | 2.6610% | 1,141 |
| Net loans and leases to total assets | 68.8980% | 2,258 |
| Net loans and leases to deposits | 81.8716% | 2,267 |
| Net loans and leases to core deposits | 96.8499% | 1,532 |
| Total domestic deposits to total assets | 84.1538% | 3,874 |
| Equity capital to assets | 14.6152% | 789 |
| Core capital (leverage) ratio | 14.3403% | 746 |
| Tier 1 risk-based capital ratio | 18.2440% | 2,150 |
| Total risk-based capital ratio | 19.5020% | 2,114 |
| Memoranda: | ||
| Average total assets | $263,513,000 | 2,423 |
| Average earning assets | $242,228,000 | 2,420 |
| Average equity | $36,804,330 | 1,908 |
| Average total loans | $173,224,000 | 2,312 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6103% | 1,478 |
| Cost of funding earning assets | 0.2474% | 5,604 |
| Net interest margin | 4.3629% | 870 |
| Noninterest income to average assets | 0.9859% | 1,161 |
| Noninterest expense to average assets | 4.1120% | 668 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5656% | 4,385 |
| Return on assets (ROA) | 0.5808% | 4,360 |
| Pretax return on assets | 0.9159% | 3,643 |
| Return on Equity (ROE) | 4.2517% | 4,908 |
| Retained earnings to average equity (ytd only) | 4.2517% | 3,581 |
| Net charge-offs to loans | -0.5881% | 6,575 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1726% | 1,905 |
| Assets per employee ($millions) | 4.2477% | 3,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2333% | 1,115 |
| Loan loss allowance to noncurrent loans | 89.4786% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 1.5983% | 2,202 |
| Noncurrent loans to loans | 2.4959% | 1,386 |
| Net loans and leases to total assets | 62.6049% | 3,140 |
| Net loans and leases to deposits | 73.5800% | 3,120 |
| Net loans and leases to core deposits | 86.5338% | 2,262 |
| Total domestic deposits to total assets | 85.0842% | 3,831 |
| Equity capital to assets | 13.7981% | 988 |
| Core capital (leverage) ratio | 13.7994% | 890 |
| Tier 1 risk-based capital ratio | 18.4096% | 2,146 |
| Total risk-based capital ratio | 19.6681% | 2,109 |
| Memoranda: | ||
| Average total assets | $268,583,000 | 2,391 |
| Average earning assets | $247,360,000 | 2,377 |
| Average equity | $36,691,000 | 1,910 |
| Average total loans | $170,714,000 | 2,339 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8975% | 1,104 |
| Cost of funding earning assets | 0.3728% | 4,917 |
| Net interest margin | 4.5247% | 703 |
| Noninterest income to average assets | 1.0083% | 1,378 |
| Noninterest expense to average assets | 4.1519% | 731 |
| Loan and lease loss provision to assets | -0.1888% | 6,586 |
| Net operating income to assets | 0.7534% | 3,527 |
| Return on assets (ROA) | 0.7534% | 3,624 |
| Pretax return on assets | 1.2115% | 2,531 |
| Return on Equity (ROE) | 5.5388% | 4,368 |
| Retained earnings to average equity (ytd only) | 3.5954% | 3,664 |
| Net charge-offs to loans | 0.6464% | 1,003 |
| Credit loss provision to net charge-offs | -44.1306% | 5,781 |
| Earnings coverage of net charge-offs (x) | 2.3901% | 4,211 |
| Efficiency ratio | 80.2365% | 2,118 |
| Assets per employee ($millions) | 4.3478% | 3,176 |
| Cash dividends to net income (ytd only)* | 35.0877% | 3,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1027% | 1,327 |
| Loan loss allowance to noncurrent loans | 75.6986% | 4,314 |
| Noncurrent assets plus other real estate owned to assets | 1.7525% | 2,116 |
| Noncurrent loans to loans | 2.7777% | 1,280 |
| Net loans and leases to total assets | 61.7638% | 3,397 |
| Net loans and leases to deposits | 72.6441% | 3,438 |
| Net loans and leases to core deposits | 88.8389% | 2,152 |
| Total domestic deposits to total assets | 85.0225% | 3,741 |
| Equity capital to assets | 13.5248% | 1,058 |
| Core capital (leverage) ratio | 13.5874% | 931 |
| Tier 1 risk-based capital ratio | 18.4351% | 2,104 |
| Total risk-based capital ratio | 19.6924% | 2,066 |
| Memoranda: | ||
| Average total assets | $264,794,200 | 2,394 |
| Average earning assets | $243,816,800 | 2,391 |
| Average equity | $36,018,400 | 1,916 |
| Average total loans | $175,266,200 | 2,250 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0145% | 915 |
| Cost of funding earning assets | 0.3852% | 4,949 |
| Net interest margin | 4.6293% | 587 |
| Noninterest income to average assets | 0.9165% | 1,701 |
| Noninterest expense to average assets | 4.1314% | 738 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6545% | 4,097 |
| Return on assets (ROA) | 0.6545% | 4,231 |
| Pretax return on assets | 1.0465% | 3,314 |
| Return on Equity (ROE) | 4.8047% | 4,823 |
| Retained earnings to average equity (ytd only) | 3.3195% | 4,314 |
| Net charge-offs to loans | 0.2998% | 2,036 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 5.2116% | 3,252 |
| Efficiency ratio | 79.7890% | 2,135 |
| Assets per employee ($millions) | 4.2730% | 3,282 |
| Cash dividends to net income (ytd only)* | 30.9119% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6616% | 780 |
| Loan loss allowance to noncurrent loans | 76.1152% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 2.3484% | 1,672 |
| Noncurrent loans to loans | 3.4968% | 1,088 |
| Net loans and leases to total assets | 65.3712% | 2,740 |
| Net loans and leases to deposits | 76.4529% | 2,887 |
| Net loans and leases to core deposits | 92.2791% | 1,752 |
| Total domestic deposits to total assets | 85.5053% | 3,490 |
| Equity capital to assets | 13.4297% | 1,151 |
| Core capital (leverage) ratio | 13.5787% | 992 |
| Tier 1 risk-based capital ratio | 17.5558% | 2,490 |
| Total risk-based capital ratio | 18.8181% | 2,454 |
| Memoranda: | ||
| Average total assets | $263,601,750 | 2,425 |
| Average earning assets | $242,650,250 | 2,415 |
| Average equity | $35,908,500 | 1,935 |
| Average total loans | $176,565,500 | 2,241 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2056% | 634 |
| Cost of funding earning assets | 0.4012% | 4,934 |
| Net interest margin | 4.8044% | 431 |
| Noninterest income to average assets | 0.9491% | 1,662 |
| Noninterest expense to average assets | 4.1362% | 748 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7718% | 3,455 |
| Return on assets (ROA) | 0.7718% | 3,609 |
| Pretax return on assets | 1.2325% | 2,552 |
| Return on Equity (ROE) | 5.6382% | 4,385 |
| Retained earnings to average equity (ytd only) | 5.6382% | 2,651 |
| Net charge-offs to loans | 0.0617% | 3,823 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 29.8704% | 1,149 |
| Efficiency ratio | 77.0424% | 2,616 |
| Assets per employee ($millions) | 3.9287% | 3,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0016% | 581 |
| Loan loss allowance to noncurrent loans | 84.6470% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 2.3848% | 1,791 |
| Noncurrent loans to loans | 3.5460% | 1,177 |
| Net loans and leases to total assets | 65.2362% | 2,723 |
| Net loans and leases to deposits | 76.9841% | 2,728 |
| Net loans and leases to core deposits | 93.4906% | 1,565 |
| Total domestic deposits to total assets | 84.7398% | 4,019 |
| Equity capital to assets | 14.0584% | 954 |
| Core capital (leverage) ratio | 13.8795% | 851 |
| Tier 1 risk-based capital ratio | 18.5493% | 2,124 |
| Total risk-based capital ratio | 19.8167% | 2,079 |
| Memoranda: | ||
| Average total assets | $261,735,330 | 2,443 |
| Average earning assets | $240,777,670 | 2,440 |
| Average equity | $35,827,000 | 1,946 |
| Average total loans | $175,156,670 | 2,252 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8183% | 1,248 |
| Cost of funding earning assets | 0.4117% | 4,992 |
| Net interest margin | 4.4065% | 795 |
| Noninterest income to average assets | 0.9663% | 1,565 |
| Noninterest expense to average assets | 4.2020% | 713 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5239% | 4,555 |
| Return on assets (ROA) | 0.5239% | 4,699 |
| Pretax return on assets | 0.8365% | 4,016 |
| Return on Equity (ROE) | 3.8781% | 5,160 |
| Retained earnings to average equity (ytd only) | 3.8781% | 3,911 |
| Net charge-offs to loans | -0.0814% | 6,360 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3983% | 1,845 |
| Assets per employee ($millions) | 4.5770% | 2,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9796% | 672 |
| Loan loss allowance to noncurrent loans | 76.8611% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 2.4332% | 1,900 |
| Noncurrent loans to loans | 3.8766% | 1,181 |
| Net loans and leases to total assets | 59.2287% | 3,566 |
| Net loans and leases to deposits | 68.5117% | 3,711 |
| Net loans and leases to core deposits | 80.9267% | 2,704 |
| Total domestic deposits to total assets | 86.4505% | 3,273 |
| Equity capital to assets | 12.4637% | 1,734 |
| Core capital (leverage) ratio | 13.7708% | 860 |
| Tier 1 risk-based capital ratio | 17.4630% | 2,574 |
| Total risk-based capital ratio | 18.7299% | 2,526 |
| Memoranda: | ||
| Average total assets | $264,921,500 | 2,441 |
| Average earning assets | $244,818,000 | 2,423 |
| Average equity | $35,790,500 | 1,972 |
| Average total loans | $176,863,000 | 2,247 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4699% | 662 |
| Cost of funding earning assets | 0.5178% | 5,090 |
| Net interest margin | 4.9520% | 411 |
| Noninterest income to average assets | 1.2871% | 933 |
| Noninterest expense to average assets | 4.5288% | 561 |
| Loan and lease loss provision to assets | 0.5285% | 1,096 |
| Net operating income to assets | 0.4775% | 4,772 |
| Return on assets (ROA) | 0.4916% | 4,969 |
| Pretax return on assets | 0.7936% | 4,316 |
| Return on Equity (ROE) | 3.4781% | 5,356 |
| Retained earnings to average equity (ytd only) | 3.4781% | 3,767 |
| Net charge-offs to loans | 0.7801% | 1,501 |
| Credit loss provision to net charge-offs | 93.0665% | 3,344 |
| Earnings coverage of net charge-offs (x) | 2.2895% | 4,274 |
| Efficiency ratio | 77.6950% | 2,497 |
| Assets per employee ($millions) | 3.8332% | 4,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9314% | 709 |
| Loan loss allowance to noncurrent loans | 74.8312% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 2.9620% | 1,603 |
| Noncurrent loans to loans | 3.9174% | 1,220 |
| Net loans and leases to total assets | 71.4248% | 1,585 |
| Net loans and leases to deposits | 86.8461% | 1,400 |
| Net loans and leases to core deposits | 107.9745% | 610 |
| Total domestic deposits to total assets | 82.2430% | 5,013 |
| Equity capital to assets | 14.7590% | 803 |
| Core capital (leverage) ratio | 14.3815% | 698 |
| Tier 1 risk-based capital ratio | 18.1236% | 2,214 |
| Total risk-based capital ratio | 19.3863% | 2,181 |
| Memoranda: | ||
| Average total assets | $246,359,000 | 2,564 |
| Average earning assets | $225,947,600 | 2,560 |
| Average equity | $34,818,000 | 1,992 |
| Average total loans | $179,341,400 | 2,209 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5548% | 608 |
| Cost of funding earning assets | 0.5386% | 5,174 |
| Net interest margin | 5.0161% | 389 |
| Noninterest income to average assets | 1.1708% | 1,108 |
| Noninterest expense to average assets | 4.6546% | 476 |
| Loan and lease loss provision to assets | 0.7550% | 652 |
| Net operating income to assets | 0.2307% | 5,837 |
| Return on assets (ROA) | 0.2493% | 5,976 |
| Pretax return on assets | 0.3894% | 5,740 |
| Return on Equity (ROE) | 1.7835% | 6,079 |
| Retained earnings to average equity (ytd only) | 1.7835% | 5,436 |
| Net charge-offs to loans | 1.0421% | 1,010 |
| Credit loss provision to net charge-offs | 99.7865% | 3,010 |
| Earnings coverage of net charge-offs (x) | 1.4740% | 4,547 |
| Efficiency ratio | 80.6702% | 1,992 |
| Assets per employee ($millions) | 3.8948% | 4,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0156% | 699 |
| Loan loss allowance to noncurrent loans | 128.2777% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 1.7630% | 2,962 |
| Noncurrent loans to loans | 2.3509% | 2,453 |
| Net loans and leases to total assets | 69.5059% | 2,013 |
| Net loans and leases to deposits | 83.8836% | 1,884 |
| Net loans and leases to core deposits | 104.3279% | 853 |
| Total domestic deposits to total assets | 82.8599% | 4,693 |
| Equity capital to assets | 14.2372% | 1,065 |
| Core capital (leverage) ratio | 13.7924% | 907 |
| Tier 1 risk-based capital ratio | 18.1512% | 2,285 |
| Total risk-based capital ratio | 19.4208% | 2,254 |
| Memoranda: | ||
| Average total assets | $247,575,500 | 2,577 |
| Average earning assets | $226,995,000 | 2,563 |
| Average equity | $34,612,000 | 2,016 |
| Average total loans | $179,753,000 | 2,233 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5771% | 605 |
| Cost of funding earning assets | 0.5720% | 5,134 |
| Net interest margin | 5.0051% | 400 |
| Noninterest income to average assets | 0.9971% | 1,474 |
| Noninterest expense to average assets | 4.6386% | 482 |
| Loan and lease loss provision to assets | 0.9681% | 461 |
| Net operating income to assets | -0.0140% | 6,340 |
| Return on assets (ROA) | 0.0282% | 6,426 |
| Pretax return on assets | 0.0290% | 6,413 |
| Return on Equity (ROE) | 0.2029% | 6,433 |
| Retained earnings to average equity (ytd only) | 0.2029% | 5,976 |
| Net charge-offs to loans | 1.1753% | 922 |
| Credit loss provision to net charge-offs | 112.9699% | 2,415 |
| Earnings coverage of net charge-offs (x) | 1.1128% | 4,459 |
| Efficiency ratio | 82.9469% | 1,754 |
| Assets per employee ($millions) | 4.1827% | 3,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9294% | 842 |
| Loan loss allowance to noncurrent loans | 110.2694% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 2.0784% | 2,690 |
| Noncurrent loans to loans | 2.6565% | 2,259 |
| Net loans and leases to total assets | 73.1014% | 1,381 |
| Net loans and leases to deposits | 90.4718% | 1,101 |
| Net loans and leases to core deposits | 114.1961% | 442 |
| Total domestic deposits to total assets | 80.8002% | 5,529 |
| Equity capital to assets | 13.9736% | 1,105 |
| Core capital (leverage) ratio | 13.6977% | 902 |
| Tier 1 risk-based capital ratio | 17.2970% | 2,546 |
| Total risk-based capital ratio | 18.5658% | 2,506 |
| Memoranda: | ||
| Average total assets | $248,310,000 | 2,567 |
| Average earning assets | $227,968,670 | 2,546 |
| Average equity | $34,504,670 | 2,006 |
| Average total loans | $181,053,670 | 2,214 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5834% | 647 |
| Cost of funding earning assets | 0.6027% | 5,103 |
| Net interest margin | 4.9807% | 414 |
| Noninterest income to average assets | 0.9202% | 1,665 |
| Noninterest expense to average assets | 4.4854% | 559 |
| Loan and lease loss provision to assets | 0.6825% | 777 |
| Net operating income to assets | 0.1774% | 6,049 |
| Return on assets (ROA) | 0.2329% | 6,027 |
| Pretax return on assets | 0.4175% | 5,671 |
| Return on Equity (ROE) | 1.6804% | 6,164 |
| Retained earnings to average equity (ytd only) | 1.6804% | 5,391 |
| Net charge-offs to loans | 0.1948% | 2,949 |
| Credit loss provision to net charge-offs | 488.5057% | 665 |
| Earnings coverage of net charge-offs (x) | 7.2529% | 2,097 |
| Efficiency ratio | 81.5713% | 1,994 |
| Assets per employee ($millions) | 3.7630% | 4,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0913% | 769 |
| Loan loss allowance to noncurrent loans | 119.1009% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 1.8793% | 3,075 |
| Noncurrent loans to loans | 2.5955% | 2,511 |
| Net loans and leases to total assets | 70.1664% | 1,727 |
| Net loans and leases to deposits | 90.9905% | 872 |
| Net loans and leases to core deposits | 121.3894% | 291 |
| Total domestic deposits to total assets | 77.1139% | 6,385 |
| Equity capital to assets | 13.7134% | 1,136 |
| Core capital (leverage) ratio | 13.5182% | 945 |
| Tier 1 risk-based capital ratio | 17.4148% | 2,513 |
| Total risk-based capital ratio | 18.6851% | 2,471 |
| Memoranda: | ||
| Average total assets | $249,075,500 | 2,567 |
| Average earning assets | $228,963,500 | 2,547 |
| Average equity | $34,515,000 | 2,004 |
| Average total loans | $178,659,000 | 2,262 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6844% | 804 |
| Cost of funding earning assets | 0.7448% | 5,244 |
| Net interest margin | 4.9396% | 469 |
| Noninterest income to average assets | 1.1276% | 1,035 |
| Noninterest expense to average assets | 4.3313% | 700 |
| Loan and lease loss provision to assets | 0.5335% | 1,967 |
| Net operating income to assets | 0.5215% | 4,336 |
| Return on assets (ROA) | 0.5215% | 4,544 |
| Pretax return on assets | 0.8113% | 3,938 |
| Return on Equity (ROE) | 3.8604% | 4,920 |
| Retained earnings to average equity (ytd only) | 3.8604% | 3,464 |
| Net charge-offs to loans | 0.9694% | 1,777 |
| Credit loss provision to net charge-offs | 75.3681% | 4,661 |
| Earnings coverage of net charge-offs (x) | 1.8998% | 4,351 |
| Efficiency ratio | 76.3065% | 2,838 |
| Assets per employee ($millions) | 3.7278% | 4,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0359% | 787 |
| Loan loss allowance to noncurrent loans | 91.6249% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 2.3537% | 2,569 |
| Noncurrent loans to loans | 3.3134% | 1,956 |
| Net loans and leases to total assets | 68.8798% | 2,232 |
| Net loans and leases to deposits | 90.2092% | 1,133 |
| Net loans and leases to core deposits | 121.8459% | 323 |
| Total domestic deposits to total assets | 76.3556% | 6,435 |
| Equity capital to assets | 14.0046% | 1,059 |
| Core capital (leverage) ratio | 13.9375% | 839 |
| Tier 1 risk-based capital ratio | 18.0701% | 2,169 |
| Total risk-based capital ratio | 19.3400% | 2,139 |
| Memoranda: | ||
| Average total assets | $249,462,600 | 2,531 |
| Average earning assets | $229,716,000 | 2,509 |
| Average equity | $33,701,400 | 1,978 |
| Average total loans | $182,183,200 | 2,211 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7792% | 729 |
| Cost of funding earning assets | 0.7799% | 5,279 |
| Net interest margin | 4.9993% | 413 |
| Noninterest income to average assets | 0.9433% | 1,506 |
| Noninterest expense to average assets | 4.3809% | 649 |
| Loan and lease loss provision to assets | 0.6024% | 1,637 |
| Net operating income to assets | 0.3808% | 5,077 |
| Return on assets (ROA) | 0.3808% | 5,264 |
| Pretax return on assets | 0.5726% | 4,902 |
| Return on Equity (ROE) | 2.8446% | 5,484 |
| Retained earnings to average equity (ytd only) | 2.8446% | 4,649 |
| Net charge-offs to loans | 1.2693% | 1,224 |
| Credit loss provision to net charge-offs | 64.5548% | 4,650 |
| Earnings coverage of net charge-offs (x) | 1.2591% | 4,672 |
| Efficiency ratio | 78.8515% | 2,422 |
| Assets per employee ($millions) | 3.6043% | 4,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8625% | 966 |
| Loan loss allowance to noncurrent loans | 119.8502% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 1.7690% | 3,445 |
| Noncurrent loans to loans | 2.3884% | 2,899 |
| Net loans and leases to total assets | 71.9477% | 1,716 |
| Net loans and leases to deposits | 94.3000% | 807 |
| Net loans and leases to core deposits | 130.4460% | 243 |
| Total domestic deposits to total assets | 76.2965% | 6,491 |
| Equity capital to assets | 14.0376% | 1,140 |
| Core capital (leverage) ratio | 13.5960% | 1,016 |
| Tier 1 risk-based capital ratio | 17.8847% | 2,296 |
| Total risk-based capital ratio | 19.1534% | 2,252 |
| Memoranda: | ||
| Average total assets | $250,320,000 | 2,528 |
| Average earning assets | $230,958,750 | 2,502 |
| Average equity | $33,512,750 | 1,994 |
| Average total loans | $184,035,750 | 2,211 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7445% | 806 |
| Cost of funding earning assets | 0.7982% | 5,378 |
| Net interest margin | 4.9463% | 436 |
| Noninterest income to average assets | 0.9200% | 1,586 |
| Noninterest expense to average assets | 4.3117% | 739 |
| Loan and lease loss provision to assets | 0.5062% | 1,931 |
| Net operating income to assets | 0.4430% | 4,751 |
| Return on assets (ROA) | 0.4430% | 4,890 |
| Pretax return on assets | 0.6776% | 4,470 |
| Return on Equity (ROE) | 3.3609% | 5,234 |
| Retained earnings to average equity (ytd only) | 3.3609% | 4,124 |
| Net charge-offs to loans | 1.5956% | 921 |
| Credit loss provision to net charge-offs | 43.2524% | 4,753 |
| Earnings coverage of net charge-offs (x) | 1.0115% | 4,536 |
| Efficiency ratio | 78.4595% | 2,639 |
| Assets per employee ($millions) | 3.6965% | 4,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7177% | 1,164 |
| Loan loss allowance to noncurrent loans | 117.1968% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 1.7934% | 3,519 |
| Noncurrent loans to loans | 2.3189% | 3,073 |
| Net loans and leases to total assets | 69.7789% | 2,267 |
| Net loans and leases to deposits | 92.5061% | 1,000 |
| Net loans and leases to core deposits | 131.0082% | 264 |
| Total domestic deposits to total assets | 75.4316% | 6,684 |
| Equity capital to assets | 13.4108% | 1,335 |
| Core capital (leverage) ratio | 13.3245% | 1,055 |
| Tier 1 risk-based capital ratio | 17.6088% | 2,304 |
| Total risk-based capital ratio | 18.8757% | 2,270 |
| Memoranda: | ||
| Average total assets | $253,264,000 | 2,509 |
| Average earning assets | $234,274,330 | 2,485 |
| Average equity | $33,384,000 | 1,987 |
| Average total loans | $185,759,330 | 2,213 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8280% | 700 |
| Cost of funding earning assets | 0.8183% | 5,475 |
| Net interest margin | 5.0098% | 374 |
| Noninterest income to average assets | 0.9520% | 1,459 |
| Noninterest expense to average assets | 4.1634% | 852 |
| Loan and lease loss provision to assets | 1.0086% | 758 |
| Net operating income to assets | 0.2911% | 5,451 |
| Return on assets (ROA) | 0.2911% | 5,527 |
| Pretax return on assets | 0.4233% | 5,269 |
| Return on Equity (ROE) | 2.2275% | 5,705 |
| Retained earnings to average equity (ytd only) | 2.2275% | 4,809 |
| Net charge-offs to loans | 3.0665% | 350 |
| Credit loss provision to net charge-offs | 44.3599% | 3,863 |
| Earnings coverage of net charge-offs (x) | 0.6298% | 4,154 |
| Efficiency ratio | 74.4094% | 3,440 |
| Assets per employee ($millions) | 3.7343% | 4,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6651% | 1,242 |
| Loan loss allowance to noncurrent loans | 101.5217% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 1.9151% | 3,422 |
| Noncurrent loans to loans | 2.6252% | 2,873 |
| Net loans and leases to total assets | 71.0069% | 1,922 |
| Net loans and leases to deposits | 93.2822% | 894 |
| Net loans and leases to core deposits | 130.2269% | 269 |
| Total domestic deposits to total assets | 76.1205% | 6,652 |
| Equity capital to assets | 13.1111% | 1,335 |
| Core capital (leverage) ratio | 12.9147% | 1,151 |
| Tier 1 risk-based capital ratio | 17.0455% | 2,451 |
| Total risk-based capital ratio | 18.3116% | 2,423 |
| Memoranda: | ||
| Average total assets | $254,214,000 | 2,528 |
| Average earning assets | $235,620,500 | 2,490 |
| Average equity | $33,221,000 | 1,983 |
| Average total loans | $188,489,500 | 2,207 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8795% | 1,082 |
| Cost of funding earning assets | 1.0238% | 5,570 |
| Net interest margin | 4.8557% | 594 |
| Noninterest income to average assets | 1.2692% | 917 |
| Noninterest expense to average assets | 4.1663% | 943 |
| Loan and lease loss provision to assets | 0.9295% | 1,752 |
| Net operating income to assets | 0.4299% | 4,408 |
| Return on assets (ROA) | 0.4457% | 4,499 |
| Pretax return on assets | 0.6550% | 4,145 |
| Return on Equity (ROE) | 3.8196% | 4,604 |
| Retained earnings to average equity (ytd only) | 3.0344% | 3,726 |
| Net charge-offs to loans | 1.6231% | 1,335 |
| Credit loss provision to net charge-offs | 74.8125% | 5,740 |
| Earnings coverage of net charge-offs (x) | 1.2566% | 4,848 |
| Efficiency ratio | 72.7427% | 3,648 |
| Assets per employee ($millions) | 3.7985% | 4,263 |
| Cash dividends to net income (ytd only)* | 20.5575% | 3,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9942% | 874 |
| Loan loss allowance to noncurrent loans | 89.1183% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 2.6389% | 2,636 |
| Noncurrent loans to loans | 3.3598% | 2,264 |
| Net loans and leases to total assets | 73.0824% | 1,854 |
| Net loans and leases to deposits | 95.9622% | 874 |
| Net loans and leases to core deposits | 140.9142% | 224 |
| Total domestic deposits to total assets | 76.1575% | 6,618 |
| Equity capital to assets | 13.0252% | 1,380 |
| Core capital (leverage) ratio | 12.7156% | 1,235 |
| Tier 1 risk-based capital ratio | 16.4794% | 2,526 |
| Total risk-based capital ratio | 17.7498% | 2,491 |
| Memoranda: | ||
| Average total assets | $257,563,600 | 2,474 |
| Average earning assets | $236,483,400 | 2,465 |
| Average equity | $30,055,200 | 2,169 |
| Average total loans | $197,156,600 | 2,188 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8661% | 1,215 |
| Cost of funding earning assets | 1.0584% | 5,658 |
| Net interest margin | 4.8077% | 668 |
| Noninterest income to average assets | 1.0839% | 1,215 |
| Noninterest expense to average assets | 4.1945% | 837 |
| Loan and lease loss provision to assets | 1.1917% | 1,205 |
| Net operating income to assets | 0.1197% | 5,721 |
| Return on assets (ROA) | 0.1197% | 5,880 |
| Pretax return on assets | 0.0981% | 5,915 |
| Return on Equity (ROE) | 1.0564% | 5,886 |
| Retained earnings to average equity (ytd only) | -0.0182% | 5,785 |
| Net charge-offs to loans | 2.3655% | 738 |
| Credit loss provision to net charge-offs | 65.5593% | 5,548 |
| Earnings coverage of net charge-offs (x) | 0.7095% | 5,346 |
| Efficiency ratio | 76.4822% | 2,861 |
| Assets per employee ($millions) | 3.9277% | 3,981 |
| Cash dividends to net income (ytd only)* | 101.7231% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7375% | 1,050 |
| Loan loss allowance to noncurrent loans | 60.3394% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 3.4626% | 2,054 |
| Noncurrent loans to loans | 4.5368% | 1,590 |
| Net loans and leases to total assets | 74.2337% | 1,752 |
| Net loans and leases to deposits | 97.1006% | 876 |
| Net loans and leases to core deposits | 146.3064% | 210 |
| Total domestic deposits to total assets | 76.4504% | 6,578 |
| Equity capital to assets | 12.7028% | 1,754 |
| Core capital (leverage) ratio | 12.5490% | 1,383 |
| Tier 1 risk-based capital ratio | 15.7685% | 2,874 |
| Total risk-based capital ratio | 17.0360% | 2,821 |
| Memoranda: | ||
| Average total assets | $258,329,750 | 2,508 |
| Average earning assets | $236,450,000 | 2,499 |
| Average equity | $29,281,750 | 2,256 |
| Average total loans | $198,512,000 | 2,199 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8398% | 1,319 |
| Cost of funding earning assets | 1.1010% | 5,662 |
| Net interest margin | 4.7388% | 747 |
| Noninterest income to average assets | 1.1198% | 1,044 |
| Noninterest expense to average assets | 4.1590% | 855 |
| Loan and lease loss provision to assets | 1.6365% | 791 |
| Net operating income to assets | -0.1380% | 6,274 |
| Return on assets (ROA) | -0.1380% | 6,344 |
| Pretax return on assets | -0.3409% | 6,464 |
| Return on Equity (ROE) | -1.2680% | 6,350 |
| Retained earnings to average equity (ytd only) | -2.9399% | 6,289 |
| Net charge-offs to loans | 2.8298% | 578 |
| Credit loss provision to net charge-offs | 75.0885% | 4,834 |
| Earnings coverage of net charge-offs (x) | 0.5945% | 5,145 |
| Efficiency ratio | 76.2477% | 3,032 |
| Assets per employee ($millions) | 4.0531% | 3,669 |
| Cash dividends to net income (ytd only)* | -131.8436% | 7,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9806% | 831 |
| Loan loss allowance to noncurrent loans | 66.5376% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 3.4396% | 2,047 |
| Noncurrent loans to loans | 4.4796% | 1,625 |
| Net loans and leases to total assets | 74.4952% | 1,812 |
| Net loans and leases to deposits | 96.7106% | 986 |
| Net loans and leases to core deposits | 144.2518% | 242 |
| Total domestic deposits to total assets | 77.0290% | 6,500 |
| Equity capital to assets | 11.0179% | 2,845 |
| Core capital (leverage) ratio | 10.7335% | 2,443 |
| Tier 1 risk-based capital ratio | 13.4479% | 4,104 |
| Total risk-based capital ratio | 14.7178% | 4,054 |
| Memoranda: | ||
| Average total assets | $259,340,000 | 2,513 |
| Average earning assets | $237,234,330 | 2,514 |
| Average equity | $28,232,330 | 2,322 |
| Average total loans | $199,732,000 | 2,218 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8135% | 1,415 |
| Cost of funding earning assets | 1.1209% | 5,799 |
| Net interest margin | 4.6926% | 792 |
| Noninterest income to average assets | 1.1143% | 1,012 |
| Noninterest expense to average assets | 4.1005% | 899 |
| Loan and lease loss provision to assets | 1.1510% | 1,064 |
| Net operating income to assets | 0.2418% | 5,533 |
| Return on assets (ROA) | 0.2418% | 5,651 |
| Pretax return on assets | 0.1561% | 6,001 |
| Return on Equity (ROE) | 2.2347% | 5,662 |
| Retained earnings to average equity (ytd only) | -1.1032% | 6,065 |
| Net charge-offs to loans | 1.3276% | 1,291 |
| Credit loss provision to net charge-offs | 112.4066% | 3,084 |
| Earnings coverage of net charge-offs (x) | 1.2765% | 3,984 |
| Efficiency ratio | 75.8279% | 3,246 |
| Assets per employee ($millions) | 4.0517% | 3,752 |
| Cash dividends to net income (ytd only)* | 149.3671% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3012% | 635 |
| Loan loss allowance to noncurrent loans | 66.0622% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 3.8703% | 1,782 |
| Noncurrent loans to loans | 4.9972% | 1,450 |
| Net loans and leases to total assets | 74.8935% | 1,766 |
| Net loans and leases to deposits | 96.7493% | 1,019 |
| Net loans and leases to core deposits | 146.2324% | 263 |
| Total domestic deposits to total assets | 77.4098% | 6,468 |
| Equity capital to assets | 10.8979% | 2,848 |
| Core capital (leverage) ratio | 10.7510% | 2,416 |
| Tier 1 risk-based capital ratio | 12.6682% | 4,585 |
| Total risk-based capital ratio | 13.9405% | 4,532 |
| Memoranda: | ||
| Average total assets | $261,336,000 | 2,552 |
| Average earning assets | $239,098,500 | 2,542 |
| Average equity | $28,281,500 | 2,354 |
| Average total loans | $201,565,000 | 2,263 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3487% | 936 |
| Cost of funding earning assets | 1.4700% | 5,636 |
| Net interest margin | 4.8787% | 585 |
| Noninterest income to average assets | 1.3719% | 780 |
| Noninterest expense to average assets | 4.1634% | 1,145 |
| Loan and lease loss provision to assets | 2.0932% | 1,013 |
| Net operating income to assets | -0.0695% | 5,622 |
| Return on assets (ROA) | -0.0553% | 5,618 |
| Pretax return on assets | -0.3957% | 5,911 |
| Return on Equity (ROE) | -0.5661% | 5,633 |
| Retained earnings to average equity (ytd only) | -3.0697% | 5,714 |
| Net charge-offs to loans | 0.7348% | 2,984 |
| Credit loss provision to net charge-offs | 367.8987% | 873 |
| Earnings coverage of net charge-offs (x) | 2.9446% | 3,608 |
| Efficiency ratio | 71.3066% | 4,385 |
| Assets per employee ($millions) | 4.1804% | 3,477 |
| Cash dividends to net income (ytd only)* | -442.2535% | 7,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2363% | 642 |
| Loan loss allowance to noncurrent loans | 85.4254% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 2.9100% | 2,407 |
| Noncurrent loans to loans | 3.7885% | 1,977 |
| Net loans and leases to total assets | 74.3261% | 2,188 |
| Net loans and leases to deposits | 95.5414% | 1,388 |
| Net loans and leases to core deposits | 157.7006% | 367 |
| Total domestic deposits to total assets | 77.7947% | 6,272 |
| Equity capital to assets | 10.7471% | 2,930 |
| Core capital (leverage) ratio | 10.5557% | 2,549 |
| Tier 1 risk-based capital ratio | 12.4396% | 4,563 |
| Total risk-based capital ratio | 13.7074% | 4,504 |
| Memoranda: | ||
| Average total assets | $256,787,800 | 2,550 |
| Average earning assets | $235,101,800 | 2,551 |
| Average equity | $25,084,200 | 2,601 |
| Average total loans | $198,828,400 | 2,306 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4188% | 892 |
| Cost of funding earning assets | 1.5340% | 5,693 |
| Net interest margin | 4.8849% | 571 |
| Noninterest income to average assets | 1.4559% | 701 |
| Noninterest expense to average assets | 4.1936% | 1,040 |
| Loan and lease loss provision to assets | 1.9116% | 960 |
| Net operating income to assets | -0.1134% | 5,910 |
| Return on assets (ROA) | -0.0941% | 5,917 |
| Pretax return on assets | -0.1447% | 5,905 |
| Return on Equity (ROE) | -0.9885% | 5,926 |
| Retained earnings to average equity (ytd only) | -3.5695% | 6,040 |
| Net charge-offs to loans | 0.1549% | 5,163 |
| Credit loss provision to net charge-offs | 1,590.4348% | 244 |
| Earnings coverage of net charge-offs (x) | 14.4521% | 1,600 |
| Efficiency ratio | 70.7111% | 4,468 |
| Assets per employee ($millions) | 4.1462% | 3,471 |
| Cash dividends to net income (ytd only)* | -261.1150% | 8,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9333% | 704 |
| Loan loss allowance to noncurrent loans | 174.0167% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 1.3126% | 4,458 |
| Noncurrent loans to loans | 1.6857% | 4,118 |
| Net loans and leases to total assets | 75.5832% | 2,083 |
| Net loans and leases to deposits | 94.9937% | 1,714 |
| Net loans and leases to core deposits | 149.2895% | 592 |
| Total domestic deposits to total assets | 79.5665% | 5,603 |
| Equity capital to assets | 9.0057% | 5,471 |
| Core capital (leverage) ratio | 8.8923% | 4,822 |
| Tier 1 risk-based capital ratio | 10.3070% | 6,670 |
| Total risk-based capital ratio | 11.5791% | 6,593 |
| Memoranda: | ||
| Average total assets | $255,143,500 | 2,567 |
| Average earning assets | $233,722,500 | 2,578 |
| Average equity | $24,279,250 | 2,711 |
| Average total loans | $197,961,500 | 2,340 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3819% | 1,044 |
| Cost of funding earning assets | 1.5671% | 5,851 |
| Net interest margin | 4.8148% | 637 |
| Noninterest income to average assets | 1.0821% | 1,361 |
| Noninterest expense to average assets | 4.1328% | 1,153 |
| Loan and lease loss provision to assets | 0.9859% | 1,707 |
| Net operating income to assets | 0.2431% | 5,114 |
| Return on assets (ROA) | 0.2431% | 5,208 |
| Pretax return on assets | 0.3742% | 5,004 |
| Return on Equity (ROE) | 2.5075% | 5,097 |
| Retained earnings to average equity (ytd only) | -0.0410% | 5,224 |
| Net charge-offs to loans | 0.1507% | 4,683 |
| Credit loss provision to net charge-offs | 844.2177% | 560 |
| Earnings coverage of net charge-offs (x) | 11.6463% | 1,884 |
| Efficiency ratio | 75.2386% | 3,841 |
| Assets per employee ($millions) | 4.0813% | 3,532 |
| Cash dividends to net income (ytd only)* | 101.6340% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8655% | 1,875 |
| Loan loss allowance to noncurrent loans | 192.1134% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.7427% | 5,549 |
| Noncurrent loans to loans | 0.9711% | 5,276 |
| Net loans and leases to total assets | 75.0583% | 2,421 |
| Net loans and leases to deposits | 94.9695% | 1,958 |
| Net loans and leases to core deposits | 156.3420% | 513 |
| Total domestic deposits to total assets | 79.0341% | 5,802 |
| Equity capital to assets | 9.3356% | 4,817 |
| Core capital (leverage) ratio | 9.3057% | 4,157 |
| Tier 1 risk-based capital ratio | 10.7429% | 6,147 |
| Total risk-based capital ratio | 11.9940% | 6,080 |
| Memoranda: | ||
| Average total assets | $251,740,000 | 2,613 |
| Average earning assets | $230,621,670 | 2,625 |
| Average equity | $24,406,670 | 2,709 |
| Average total loans | $195,074,000 | 2,397 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3582% | 1,162 |
| Cost of funding earning assets | 1.5944% | 6,050 |
| Net interest margin | 4.7638% | 662 |
| Noninterest income to average assets | 1.0672% | 1,302 |
| Noninterest expense to average assets | 4.1521% | 995 |
| Loan and lease loss provision to assets | 0.4745% | 2,578 |
| Net operating income to assets | 0.5198% | 4,339 |
| Return on assets (ROA) | 0.5198% | 4,525 |
| Pretax return on assets | 0.8000% | 4,075 |
| Return on Equity (ROE) | 5.2585% | 4,351 |
| Retained earnings to average equity (ytd only) | 2.7521% | 4,344 |
| Net charge-offs to loans | -0.0270% | 7,526 |
| Credit loss provision to net charge-offs | -2,253.8462% | 6,641 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5145% | 3,400 |
| Assets per employee ($millions) | 3.9999% | 3,663 |
| Cash dividends to net income (ytd only)* | 47.6636% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5267% | 2,832 |
| Loan loss allowance to noncurrent loans | 1,230.1255% | 342 |
| Noncurrent assets plus other real estate owned to assets | 0.0934% | 7,309 |
| Noncurrent loans to loans | 0.1241% | 7,167 |
| Net loans and leases to total assets | 74.0781% | 2,735 |
| Net loans and leases to deposits | 95.7835% | 1,983 |
| Net loans and leases to core deposits | 151.7242% | 654 |
| Total domestic deposits to total assets | 77.3391% | 6,201 |
| Equity capital to assets | 9.5933% | 4,537 |
| Core capital (leverage) ratio | 9.8914% | 3,528 |
| Tier 1 risk-based capital ratio | 11.2542% | 5,642 |
| Total risk-based capital ratio | 12.5059% | 5,554 |
| Memoranda: | ||
| Average total assets | $247,007,500 | 2,683 |
| Average earning assets | $226,038,500 | 2,696 |
| Average equity | $24,417,500 | 2,718 |
| Average total loans | $192,719,500 | 2,441 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9626% | 1,226 |
| Cost of funding earning assets | 2.1658% | 5,750 |
| Net interest margin | 4.7967% | 785 |
| Noninterest income to average assets | 1.6746% | 490 |
| Noninterest expense to average assets | 4.6116% | 809 |
| Loan and lease loss provision to assets | 0.5083% | 2,774 |
| Net operating income to assets | 0.7025% | 3,884 |
| Return on assets (ROA) | 0.7160% | 3,652 |
| Pretax return on assets | 0.8543% | 3,874 |
| Return on Equity (ROE) | 7.8292% | 3,139 |
| Retained earnings to average equity (ytd only) | 5.9558% | 1,553 |
| Net charge-offs to loans | 0.3091% | 3,327 |
| Credit loss provision to net charge-offs | 201.6854% | 2,409 |
| Earnings coverage of net charge-offs (x) | 5.3427% | 3,677 |
| Efficiency ratio | 77.4002% | 3,016 |
| Assets per employee ($millions) | 3.7781% | 4,008 |
| Cash dividends to net income (ytd only)* | 23.9288% | 4,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3652% | 3,393 |
| Loan loss allowance to noncurrent loans | 3,989.3939% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.0277% | 7,482 |
| Noncurrent loans to loans | 0.0342% | 7,369 |
| Net loans and leases to total assets | 79.9217% | 1,683 |
| Net loans and leases to deposits | 105.5701% | 1,161 |
| Net loans and leases to core deposits | 163.5968% | 512 |
| Total domestic deposits to total assets | 75.7049% | 6,303 |
| Equity capital to assets | 10.1994% | 3,807 |
| Core capital (leverage) ratio | 10.3277% | 3,147 |
| Tier 1 risk-based capital ratio | 11.1887% | 5,548 |
| Total risk-based capital ratio | 12.4387% | 5,436 |
| Memoranda: | ||
| Average total assets | $211,877,400 | 2,986 |
| Average earning assets | $189,212,200 | 3,054 |
| Average equity | $19,376,200 | 3,332 |
| Average total loans | $172,763,600 | 2,581 |