Home > Monona Bank > Performance and Condition Ratios
Monona Bank, Performance and Condition Ratios
| 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 | 1.3490% | 4,669 |
| Cost of funding earning assets | 0.2430% | 3,381 |
| Net interest margin | 1.1060% | 4,672 |
| Noninterest income to average assets | 0.1000% | 4,426 |
| Noninterest expense to average assets | 0.7839% | 4,669 |
| Loan and lease loss provision to assets | 0.7900% | 62 |
| Net operating income to assets | -0.3232% | 4,623 |
| Return on assets (ROA) | -0.3008% | 4,612 |
| Pretax return on assets | -0.4288% | 4,620 |
| Return on Equity (ROE) | -2.9500% | 4,601 |
| Retained earnings to average equity (ytd only) | -2.9474% | 4,519 |
| Net charge-offs to loans | -0.0015% | 3,402 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.5661% | 3,113 |
| Assets per employee ($millions) | 8.0639% | 1,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9635% | 3,552 |
| Loan loss allowance to noncurrent loans | 964.0324% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.0795% | 3,004 |
| Noncurrent loans to loans | 0.0999% | 3,048 |
| Net loans and leases to total assets | 78.7500% | 724 |
| Net loans and leases to deposits | 94.1721% | 769 |
| Net loans and leases to core deposits | 96.9690% | 1,152 |
| Total domestic deposits to total assets | 83.6300% | 3,287 |
| Equity capital to assets | 10.0168% | 1,694 |
| Core capital (leverage) ratio | 7.2175% | 4,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 8.8679% | 3,049 |
| Memoranda: | ||
| Average total assets | $1,197,190,600 | 856 |
| Average earning assets | $1,108,892,400 | 848 |
| Average equity | $122,174,600 | 802 |
| Average total loans | $968,216,400 | 706 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6172% | 2,298 |
| Cost of funding earning assets | 0.2534% | 2,668 |
| Net interest margin | 3.3637% | 2,090 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 2.3681% | 2,423 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8847% | 2,942 |
| Return on assets (ROA) | 0.8999% | 2,842 |
| Pretax return on assets | 1.2040% | 2,351 |
| Return on Equity (ROE) | 8.7800% | 3,094 |
| Retained earnings to average equity (ytd only) | 8.7768% | 1,734 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.0444% | 2,274 |
| Assets per employee ($millions) | 7.5176% | 1,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2739% | 2,155 |
| Loan loss allowance to noncurrent loans | 1,550.5995% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.0698% | 3,196 |
| Noncurrent loans to loans | 0.0822% | 3,291 |
| Net loans and leases to total assets | 83.8500% | 259 |
| Net loans and leases to deposits | 96.2131% | 547 |
| Net loans and leases to core deposits | 102.1401% | 737 |
| Total domestic deposits to total assets | 87.1500% | 2,711 |
| Equity capital to assets | 10.2050% | 1,522 |
| Core capital (leverage) ratio | 9.8582% | 2,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9831% | 2,820 |
| Memoranda: | ||
| Average total assets | $1,186,142,500 | 868 |
| Average earning assets | $1,109,462,250 | 855 |
| Average equity | $121,620,000 | 812 |
| Average total loans | $963,503,250 | 703 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4887% | 2,173 |
| Cost of funding earning assets | 0.1781% | 3,204 |
| Net interest margin | 3.3106% | 1,875 |
| Noninterest income to average assets | 0.4285% | 2,578 |
| Noninterest expense to average assets | 2.3636% | 2,361 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8664% | 2,706 |
| Return on assets (ROA) | 0.8894% | 2,600 |
| Pretax return on assets | 1.1925% | 2,101 |
| Return on Equity (ROE) | 8.6601% | 2,805 |
| Retained earnings to average equity (ytd only) | 8.6601% | 1,383 |
| Net charge-offs to loans | 0.0002% | 2,155 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 6,882.0000% | 4 |
| Efficiency ratio | 66.3967% | 2,458 |
| Assets per employee ($millions) | 7.5975% | 1,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3297% | 2,051 |
| Loan loss allowance to noncurrent loans | 1,270.1375% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.0870% | 3,113 |
| Noncurrent loans to loans | 0.1047% | 3,225 |
| Net loans and leases to total assets | 82.0043% | 286 |
| Net loans and leases to deposits | 92.1713% | 603 |
| Net loans and leases to core deposits | 94.9503% | 869 |
| Total domestic deposits to total assets | 88.9694% | 2,198 |
| Equity capital to assets | 10.3702% | 1,497 |
| Core capital (leverage) ratio | 9.6476% | 2,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1769% | 2,757 |
| Memoranda: | ||
| Average total assets | $1,183,088,333 | 864 |
| Average earning assets | $1,107,281,000 | 858 |
| Average equity | $121,499,667 | 832 |
| Average total loans | $946,284,667 | 701 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4147% | 2,041 |
| Cost of funding earning assets | 0.1673% | 3,259 |
| Net interest margin | 3.2474% | 1,729 |
| Noninterest income to average assets | 0.4193% | 2,561 |
| Noninterest expense to average assets | 2.3816% | 2,230 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7939% | 2,683 |
| Return on assets (ROA) | 0.8396% | 2,517 |
| Pretax return on assets | 1.1362% | 2,033 |
| Return on Equity (ROE) | 8.2150% | 2,598 |
| Retained earnings to average equity (ytd only) | 8.2150% | 1,514 |
| Net charge-offs to loans | 0.0009% | 1,810 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 1,603.5000% | 40 |
| Efficiency ratio | 68.2119% | 2,476 |
| Assets per employee ($millions) | 7.5674% | 1,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3911% | 1,941 |
| Loan loss allowance to noncurrent loans | 932.1557% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.1175% | 2,994 |
| Noncurrent loans to loans | 0.1492% | 3,059 |
| Net loans and leases to total assets | 77.6328% | 401 |
| Net loans and leases to deposits | 87.8162% | 631 |
| Net loans and leases to core deposits | 90.6164% | 893 |
| Total domestic deposits to total assets | 88.4038% | 2,335 |
| Equity capital to assets | 10.2367% | 1,730 |
| Core capital (leverage) ratio | 9.2511% | 3,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2995% | 2,826 |
| Memoranda: | ||
| Average total assets | $1,189,627,000 | 866 |
| Average earning assets | $1,113,878,000 | 857 |
| Average equity | $121,583,000 | 847 |
| Average total loans | $933,232,500 | 701 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8773% | 1,676 |
| Cost of funding earning assets | 0.2215% | 3,237 |
| Net interest margin | 3.6558% | 1,328 |
| Noninterest income to average assets | 0.6363% | 2,006 |
| Noninterest expense to average assets | 2.5126% | 2,143 |
| Loan and lease loss provision to assets | 0.0535% | 1,985 |
| Net operating income to assets | 1.1029% | 2,286 |
| Return on assets (ROA) | 1.1007% | 2,359 |
| Pretax return on assets | 1.4759% | 1,799 |
| Return on Equity (ROE) | 10.3995% | 2,386 |
| Retained earnings to average equity (ytd only) | 7.3686% | 1,772 |
| Net charge-offs to loans | -0.0239% | 4,042 |
| Credit loss provision to net charge-offs | -271.4932% | 3,588 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4725% | 2,938 |
| Assets per employee ($millions) | 7.6352% | 1,534 |
| Cash dividends to net income (ytd only)* | 29.1451% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3799% | 2,003 |
| Loan loss allowance to noncurrent loans | 665.1749% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.1622% | 2,805 |
| Noncurrent loans to loans | 0.2075% | 2,915 |
| Net loans and leases to total assets | 77.0925% | 439 |
| Net loans and leases to deposits | 88.1563% | 644 |
| Net loans and leases to core deposits | 91.1392% | 919 |
| Total domestic deposits to total assets | 87.4497% | 2,314 |
| Equity capital to assets | 10.2041% | 2,467 |
| Core capital (leverage) ratio | 9.3114% | 3,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0851% | 2,869 |
| Memoranda: | ||
| Average total assets | $1,122,199,400 | 879 |
| Average earning assets | $1,046,313,600 | 869 |
| Average equity | $118,774,600 | 873 |
| Average total loans | $924,177,400 | 705 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9609% | 1,622 |
| Cost of funding earning assets | 0.2396% | 3,214 |
| Net interest margin | 3.7212% | 1,293 |
| Noninterest income to average assets | 0.6763% | 1,906 |
| Noninterest expense to average assets | 2.5274% | 2,044 |
| Loan and lease loss provision to assets | 0.0725% | 1,589 |
| Net operating income to assets | 1.1501% | 2,367 |
| Return on assets (ROA) | 1.1558% | 2,402 |
| Pretax return on assets | 1.5486% | 1,852 |
| Return on Equity (ROE) | 10.8145% | 2,432 |
| Retained earnings to average equity (ytd only) | 6.7429% | 2,524 |
| Net charge-offs to loans | -0.0317% | 4,156 |
| Credit loss provision to net charge-offs | -273.9726% | 3,469 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3858% | 2,932 |
| Assets per employee ($millions) | 7.1491% | 1,773 |
| Cash dividends to net income (ytd only)* | 37.6490% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3849% | 2,081 |
| Loan loss allowance to noncurrent loans | 756.0234% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.1504% | 3,106 |
| Noncurrent loans to loans | 0.1832% | 3,211 |
| Net loans and leases to total assets | 80.9828% | 243 |
| Net loans and leases to deposits | 93.0808% | 447 |
| Net loans and leases to core deposits | 96.4227% | 730 |
| Total domestic deposits to total assets | 87.0027% | 2,351 |
| Equity capital to assets | 10.5744% | 2,395 |
| Core capital (leverage) ratio | 9.2273% | 3,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9785% | 2,971 |
| Memoranda: | ||
| Average total assets | $1,103,066,000 | 896 |
| Average earning assets | $1,027,157,500 | 891 |
| Average equity | $117,888,250 | 889 |
| Average total loans | $920,955,750 | 724 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9355% | 1,724 |
| Cost of funding earning assets | 0.2643% | 3,147 |
| Net interest margin | 3.6712% | 1,420 |
| Noninterest income to average assets | 0.7195% | 1,748 |
| Noninterest expense to average assets | 2.5489% | 2,004 |
| Loan and lease loss provision to assets | 0.1099% | 1,152 |
| Net operating income to assets | 1.1011% | 2,543 |
| Return on assets (ROA) | 1.1097% | 2,571 |
| Pretax return on assets | 1.4859% | 2,061 |
| Return on Equity (ROE) | 10.3452% | 2,641 |
| Retained earnings to average equity (ytd only) | 6.2467% | 2,708 |
| Net charge-offs to loans | -0.0011% | 3,100 |
| Credit loss provision to net charge-offs | -12,000.0000% | 4,060 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0067% | 2,872 |
| Assets per employee ($millions) | 7.2348% | 1,640 |
| Cash dividends to net income (ytd only)* | 39.6170% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3461% | 2,212 |
| Loan loss allowance to noncurrent loans | 392.8020% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.2868% | 2,497 |
| Noncurrent loans to loans | 0.3427% | 2,679 |
| Net loans and leases to total assets | 82.5681% | 196 |
| Net loans and leases to deposits | 95.2299% | 412 |
| Net loans and leases to core deposits | 98.5127% | 702 |
| Total domestic deposits to total assets | 86.7040% | 2,473 |
| Equity capital to assets | 10.4839% | 2,405 |
| Core capital (leverage) ratio | 9.4647% | 2,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7400% | 3,006 |
| Memoranda: | ||
| Average total assets | $1,091,851,667 | 899 |
| Average earning assets | $1,015,476,667 | 899 |
| Average equity | $117,117,667 | 886 |
| Average total loans | $916,785,333 | 733 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9923% | 1,627 |
| Cost of funding earning assets | 0.3014% | 2,981 |
| Net interest margin | 3.6909% | 1,352 |
| Noninterest income to average assets | 0.7739% | 1,650 |
| Noninterest expense to average assets | 2.5909% | 1,910 |
| Loan and lease loss provision to assets | 0.1118% | 1,241 |
| Net operating income to assets | 1.1057% | 2,458 |
| Return on assets (ROA) | 1.1231% | 2,482 |
| Pretax return on assets | 1.5114% | 1,961 |
| Return on Equity (ROE) | 10.3472% | 2,579 |
| Retained earnings to average equity (ytd only) | 10.3472% | 1,562 |
| Net charge-offs to loans | -0.0018% | 3,115 |
| Credit loss provision to net charge-offs | -7,500.0000% | 3,762 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1556% | 2,882 |
| Assets per employee ($millions) | 7.0246% | 1,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3443% | 2,229 |
| Loan loss allowance to noncurrent loans | 392.4755% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.2943% | 2,672 |
| Noncurrent loans to loans | 0.3425% | 2,872 |
| Net loans and leases to total assets | 84.7672% | 119 |
| Net loans and leases to deposits | 98.1865% | 337 |
| Net loans and leases to core deposits | 101.8755% | 634 |
| Total domestic deposits to total assets | 86.3329% | 2,614 |
| Equity capital to assets | 10.9392% | 1,907 |
| Core capital (leverage) ratio | 9.6005% | 2,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9474% | 2,940 |
| Memoranda: | ||
| Average total assets | $1,073,462,000 | 899 |
| Average earning assets | $994,112,500 | 900 |
| Average equity | $116,514,500 | 882 |
| Average total loans | $902,876,000 | 735 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1974% | 2,146 |
| Cost of funding earning assets | 0.6172% | 2,196 |
| Net interest margin | 3.5802% | 2,212 |
| Noninterest income to average assets | 0.9355% | 1,184 |
| Noninterest expense to average assets | 2.5649% | 2,656 |
| Loan and lease loss provision to assets | 0.3132% | 1,189 |
| Net operating income to assets | 1.0614% | 2,059 |
| Return on assets (ROA) | 1.0624% | 2,195 |
| Pretax return on assets | 1.3779% | 1,733 |
| Return on Equity (ROE) | 9.5964% | 2,160 |
| Retained earnings to average equity (ytd only) | 5.3059% | 2,137 |
| Net charge-offs to loans | 0.1175% | 1,312 |
| Credit loss provision to net charge-offs | 319.0524% | 1,672 |
| Earnings coverage of net charge-offs (x) | 17.2147% | 2,085 |
| Efficiency ratio | 59.5065% | 3,517 |
| Assets per employee ($millions) | 7.0076% | 1,583 |
| Cash dividends to net income (ytd only)* | 44.7094% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3726% | 2,096 |
| Loan loss allowance to noncurrent loans | 353.7832% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 0.3193% | 2,719 |
| Noncurrent loans to loans | 0.3880% | 2,819 |
| Net loans and leases to total assets | 81.1614% | 353 |
| Net loans and leases to deposits | 95.0048% | 599 |
| Net loans and leases to core deposits | 98.5601% | 981 |
| Total domestic deposits to total assets | 85.4288% | 2,604 |
| Equity capital to assets | 10.7687% | 2,459 |
| Core capital (leverage) ratio | 9.6752% | 2,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9579% | 2,932 |
| Memoranda: | ||
| Average total assets | $1,010,558,000 | 876 |
| Average earning assets | $936,906,600 | 870 |
| Average equity | $111,874,800 | 876 |
| Average total loans | $844,554,400 | 751 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1856% | 2,436 |
| Cost of funding earning assets | 0.7017% | 2,013 |
| Net interest margin | 3.4838% | 2,643 |
| Noninterest income to average assets | 0.9286% | 1,158 |
| Noninterest expense to average assets | 2.5869% | 2,571 |
| Loan and lease loss provision to assets | 0.2834% | 1,421 |
| Net operating income to assets | 1.0136% | 2,285 |
| Return on assets (ROA) | 1.0149% | 2,410 |
| Pretax return on assets | 1.2985% | 2,053 |
| Return on Equity (ROE) | 9.1006% | 2,356 |
| Retained earnings to average equity (ytd only) | 4.7756% | 2,662 |
| Net charge-offs to loans | -0.0029% | 3,939 |
| Credit loss provision to net charge-offs | -11,750.0000% | 4,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2706% | 3,182 |
| Assets per employee ($millions) | 6.5912% | 1,762 |
| Cash dividends to net income (ytd only)* | 47.5248% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3686% | 1,882 |
| Loan loss allowance to noncurrent loans | 763.4409% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.1528% | 3,653 |
| Noncurrent loans to loans | 0.1793% | 3,665 |
| Net loans and leases to total assets | 84.0575% | 273 |
| Net loans and leases to deposits | 101.0761% | 492 |
| Net loans and leases to core deposits | 108.9338% | 735 |
| Total domestic deposits to total assets | 83.1625% | 3,099 |
| Equity capital to assets | 10.9734% | 2,413 |
| Core capital (leverage) ratio | 9.6237% | 3,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1877% | 2,875 |
| Memoranda: | ||
| Average total assets | $995,157,250 | 871 |
| Average earning assets | $925,093,000 | 868 |
| Average equity | $110,979,000 | 880 |
| Average total loans | $835,120,250 | 752 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2575% | 2,589 |
| Cost of funding earning assets | 0.8254% | 1,702 |
| Net interest margin | 3.4321% | 3,001 |
| Noninterest income to average assets | 0.7787% | 1,494 |
| Noninterest expense to average assets | 2.5755% | 2,755 |
| Loan and lease loss provision to assets | 0.1149% | 2,871 |
| Net operating income to assets | 1.0176% | 2,262 |
| Return on assets (ROA) | 1.0170% | 2,391 |
| Pretax return on assets | 1.2754% | 2,107 |
| Return on Equity (ROE) | 9.0683% | 2,332 |
| Retained earnings to average equity (ytd only) | 4.7094% | 2,602 |
| Net charge-offs to loans | -0.0034% | 3,907 |
| Credit loss provision to net charge-offs | -4,028.5714% | 4,062 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0719% | 2,815 |
| Assets per employee ($millions) | 6.6099% | 1,699 |
| Cash dividends to net income (ytd only)* | 48.0673% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2041% | 2,491 |
| Loan loss allowance to noncurrent loans | 715.7931% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.1416% | 3,808 |
| Noncurrent loans to loans | 0.1682% | 3,779 |
| Net loans and leases to total assets | 83.1364% | 320 |
| Net loans and leases to deposits | 99.9784% | 552 |
| Net loans and leases to core deposits | 111.8134% | 673 |
| Total domestic deposits to total assets | 83.1543% | 3,039 |
| Equity capital to assets | 10.8067% | 2,493 |
| Core capital (leverage) ratio | 9.6242% | 3,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1582% | 2,924 |
| Memoranda: | ||
| Average total assets | $981,937,000 | 871 |
| Average earning assets | $912,091,000 | 867 |
| Average equity | $110,120,333 | 877 |
| Average total loans | $819,523,000 | 759 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3042% | 2,908 |
| Cost of funding earning assets | 1.0190% | 1,341 |
| Net interest margin | 3.2853% | 3,627 |
| Noninterest income to average assets | 0.5337% | 2,373 |
| Noninterest expense to average assets | 2.5387% | 3,162 |
| Loan and lease loss provision to assets | 0.0788% | 2,731 |
| Net operating income to assets | 0.8492% | 2,714 |
| Return on assets (ROA) | 0.8536% | 2,791 |
| Pretax return on assets | 0.9668% | 2,945 |
| Return on Equity (ROE) | 7.4642% | 2,753 |
| Retained earnings to average equity (ytd only) | 3.0649% | 3,052 |
| Net charge-offs to loans | -0.0030% | 3,725 |
| Credit loss provision to net charge-offs | -3,133.3333% | 3,800 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9426% | 2,361 |
| Assets per employee ($millions) | 6.3142% | 1,452 |
| Cash dividends to net income (ytd only)* | 58.9391% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2734% | 2,268 |
| Loan loss allowance to noncurrent loans | 434.0617% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.2464% | 3,474 |
| Noncurrent loans to loans | 0.2934% | 3,453 |
| Net loans and leases to total assets | 82.9323% | 360 |
| Net loans and leases to deposits | 101.6597% | 454 |
| Net loans and leases to core deposits | 117.8442% | 535 |
| Total domestic deposits to total assets | 81.5783% | 3,530 |
| Equity capital to assets | 11.6089% | 2,352 |
| Core capital (leverage) ratio | 10.0140% | 3,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0302% | 3,089 |
| Memoranda: | ||
| Average total assets | $954,028,500 | 861 |
| Average earning assets | $884,433,000 | 861 |
| Average equity | $109,107,000 | 880 |
| Average total loans | $792,651,500 | 759 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7378% | 2,214 |
| Cost of funding earning assets | 1.1860% | 1,057 |
| Net interest margin | 3.5519% | 3,283 |
| Noninterest income to average assets | 0.5548% | 2,444 |
| Noninterest expense to average assets | 2.4249% | 3,622 |
| Loan and lease loss provision to assets | 0.0892% | 2,237 |
| Net operating income to assets | 0.9992% | 2,852 |
| Return on assets (ROA) | 1.0213% | 2,854 |
| Pretax return on assets | 1.3499% | 2,329 |
| Return on Equity (ROE) | 9.0612% | 2,724 |
| Retained earnings to average equity (ytd only) | 5.2395% | 2,294 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1442% | 3,351 |
| Assets per employee ($millions) | 6.4062% | 1,349 |
| Cash dividends to net income (ytd only)* | 42.1763% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2583% | 2,125 |
| Loan loss allowance to noncurrent loans | 537.4256% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.2114% | 3,620 |
| Noncurrent loans to loans | 0.2341% | 3,610 |
| Net loans and leases to total assets | 81.1465% | 655 |
| Net loans and leases to deposits | 98.2504% | 740 |
| Net loans and leases to core deposits | 112.9828% | 718 |
| Total domestic deposits to total assets | 82.5916% | 3,331 |
| Equity capital to assets | 11.2665% | 2,745 |
| Core capital (leverage) ratio | 9.9701% | 3,553 |
| Tier 1 risk-based capital ratio | 10.8207% | 4,919 |
| Total risk-based capital ratio | 11.9869% | 4,858 |
| Memoranda: | ||
| Average total assets | $928,634,200 | 845 |
| Average earning assets | $857,861,600 | 844 |
| Average equity | $104,666,200 | 869 |
| Average total loans | $774,478,000 | 735 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7209% | 2,361 |
| Cost of funding earning assets | 1.2136% | 1,001 |
| Net interest margin | 3.5073% | 3,542 |
| Noninterest income to average assets | 0.5208% | 2,599 |
| Noninterest expense to average assets | 2.4086% | 3,658 |
| Loan and lease loss provision to assets | 0.1199% | 1,635 |
| Net operating income to assets | 0.9285% | 3,237 |
| Return on assets (ROA) | 0.9582% | 3,213 |
| Pretax return on assets | 1.2689% | 2,756 |
| Return on Equity (ROE) | 8.5009% | 3,110 |
| Retained earnings to average equity (ytd only) | 4.6462% | 3,083 |
| Net charge-offs to loans | -0.0038% | 4,149 |
| Credit loss provision to net charge-offs | -3,763.6364% | 4,611 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9608% | 3,170 |
| Assets per employee ($millions) | 6.2655% | 1,416 |
| Cash dividends to net income (ytd only)* | 45.3446% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2470% | 2,250 |
| Loan loss allowance to noncurrent loans | 337.2503% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.3336% | 3,203 |
| Noncurrent loans to loans | 0.3698% | 3,233 |
| Net loans and leases to total assets | 83.9149% | 362 |
| Net loans and leases to deposits | 105.2906% | 347 |
| Net loans and leases to core deposits | 123.0102% | 440 |
| Total domestic deposits to total assets | 79.6983% | 4,050 |
| Equity capital to assets | 11.3256% | 2,819 |
| Core capital (leverage) ratio | 9.7953% | 3,861 |
| Tier 1 risk-based capital ratio | 10.6007% | 5,047 |
| Total risk-based capital ratio | 11.7704% | 5,001 |
| Memoranda: | ||
| Average total assets | $920,560,000 | 851 |
| Average earning assets | $850,126,750 | 853 |
| Average equity | $103,767,000 | 875 |
| Average total loans | $770,672,750 | 736 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6381% | 2,547 |
| Cost of funding earning assets | 1.1890% | 1,022 |
| Net interest margin | 3.4491% | 3,741 |
| Noninterest income to average assets | 0.4450% | 2,983 |
| Noninterest expense to average assets | 2.3856% | 3,772 |
| Loan and lease loss provision to assets | 0.1208% | 1,553 |
| Net operating income to assets | 0.8414% | 3,507 |
| Return on assets (ROA) | 0.8863% | 3,400 |
| Pretax return on assets | 1.1784% | 2,984 |
| Return on Equity (ROE) | 7.8755% | 3,339 |
| Retained earnings to average equity (ytd only) | 3.9873% | 3,256 |
| Net charge-offs to loans | -0.0032% | 4,037 |
| Credit loss provision to net charge-offs | -4,600.0000% | 4,482 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6122% | 3,035 |
| Assets per employee ($millions) | 6.2937% | 1,338 |
| Cash dividends to net income (ytd only)* | 49.3705% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2242% | 2,394 |
| Loan loss allowance to noncurrent loans | 351.1434% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.3153% | 3,276 |
| Noncurrent loans to loans | 0.3486% | 3,302 |
| Net loans and leases to total assets | 83.7979% | 372 |
| Net loans and leases to deposits | 109.0166% | 242 |
| Net loans and leases to core deposits | 123.5076% | 441 |
| Total domestic deposits to total assets | 76.8671% | 4,578 |
| Equity capital to assets | 11.2340% | 2,829 |
| Core capital (leverage) ratio | 9.9620% | 3,621 |
| Tier 1 risk-based capital ratio | 10.5624% | 5,084 |
| Total risk-based capital ratio | 11.7153% | 5,037 |
| Memoranda: | ||
| Average total assets | $914,140,000 | 852 |
| Average earning assets | $843,570,670 | 855 |
| Average equity | $102,876,000 | 873 |
| Average total loans | $761,361,000 | 753 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6035% | 2,522 |
| Cost of funding earning assets | 1.1591% | 1,018 |
| Net interest margin | 3.4443% | 3,766 |
| Noninterest income to average assets | 0.4007% | 3,178 |
| Noninterest expense to average assets | 2.4244% | 3,705 |
| Loan and lease loss provision to assets | 0.1219% | 1,438 |
| Net operating income to assets | 0.7681% | 3,718 |
| Return on assets (ROA) | 0.8508% | 3,492 |
| Pretax return on assets | 1.1305% | 3,041 |
| Return on Equity (ROE) | 7.5534% | 3,434 |
| Retained earnings to average equity (ytd only) | 3.6316% | 3,465 |
| Net charge-offs to loans | -0.0043% | 3,982 |
| Credit loss provision to net charge-offs | -3,450.0000% | 4,157 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6955% | 2,834 |
| Assets per employee ($millions) | 6.0550% | 1,506 |
| Cash dividends to net income (ytd only)* | 51.9211% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2445% | 2,355 |
| Loan loss allowance to noncurrent loans | 327.9679% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 0.3399% | 3,242 |
| Noncurrent loans to loans | 0.3795% | 3,229 |
| Net loans and leases to total assets | 83.1738% | 446 |
| Net loans and leases to deposits | 104.8594% | 366 |
| Net loans and leases to core deposits | 116.5612% | 630 |
| Total domestic deposits to total assets | 79.3193% | 4,294 |
| Equity capital to assets | 11.4836% | 2,414 |
| Core capital (leverage) ratio | 9.9554% | 3,653 |
| Tier 1 risk-based capital ratio | 10.8575% | 5,041 |
| Total risk-based capital ratio | 12.0239% | 4,980 |
| Memoranda: | ||
| Average total assets | $905,479,000 | 865 |
| Average earning assets | $833,714,500 | 867 |
| Average equity | $101,994,000 | 874 |
| Average total loans | $746,931,500 | 768 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4670% | 2,555 |
| Cost of funding earning assets | 0.8934% | 1,117 |
| Net interest margin | 3.5736% | 3,473 |
| Noninterest income to average assets | 0.4593% | 3,049 |
| Noninterest expense to average assets | 2.3787% | 3,941 |
| Loan and lease loss provision to assets | 0.1924% | 991 |
| Net operating income to assets | 0.9106% | 3,403 |
| Return on assets (ROA) | 0.9106% | 3,392 |
| Pretax return on assets | 1.1820% | 2,953 |
| Return on Equity (ROE) | 8.2059% | 3,353 |
| Retained earnings to average equity (ytd only) | 5.2349% | 2,639 |
| Net charge-offs to loans | -0.0091% | 4,465 |
| Credit loss provision to net charge-offs | -2,621.5385% | 4,871 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0747% | 3,508 |
| Assets per employee ($millions) | 6.0988% | 1,460 |
| Cash dividends to net income (ytd only)* | 36.2058% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2324% | 2,394 |
| Loan loss allowance to noncurrent loans | 307.1140% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.3267% | 3,245 |
| Noncurrent loans to loans | 0.4013% | 3,089 |
| Net loans and leases to total assets | 79.7981% | 970 |
| Net loans and leases to deposits | 98.4963% | 851 |
| Net loans and leases to core deposits | 120.1013% | 542 |
| Total domestic deposits to total assets | 81.0164% | 3,883 |
| Equity capital to assets | 11.0491% | 2,639 |
| Core capital (leverage) ratio | 9.9302% | 3,668 |
| Tier 1 risk-based capital ratio | 10.8752% | 5,033 |
| Total risk-based capital ratio | 12.0213% | 4,972 |
| Memoranda: | ||
| Average total assets | $885,647,000 | 864 |
| Average earning assets | $816,302,400 | 859 |
| Average equity | $98,283,000 | 863 |
| Average total loans | $717,103,200 | 766 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4254% | 2,546 |
| Cost of funding earning assets | 0.8444% | 1,137 |
| Net interest margin | 3.5810% | 3,433 |
| Noninterest income to average assets | 0.4404% | 3,232 |
| Noninterest expense to average assets | 2.3871% | 3,882 |
| Loan and lease loss provision to assets | 0.1940% | 910 |
| Net operating income to assets | 0.8739% | 3,645 |
| Return on assets (ROA) | 0.8739% | 3,648 |
| Pretax return on assets | 1.1649% | 3,139 |
| Return on Equity (ROE) | 7.8658% | 3,601 |
| Retained earnings to average equity (ytd only) | 4.8736% | 3,307 |
| Net charge-offs to loans | -0.0146% | 4,505 |
| Credit loss provision to net charge-offs | -1,638.4615% | 4,717 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4078% | 3,443 |
| Assets per employee ($millions) | 6.1862% | 1,358 |
| Cash dividends to net income (ytd only)* | 38.0407% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1925% | 2,666 |
| Loan loss allowance to noncurrent loans | 260.5452% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 0.3799% | 3,169 |
| Noncurrent loans to loans | 0.4577% | 3,012 |
| Net loans and leases to total assets | 81.4603% | 802 |
| Net loans and leases to deposits | 102.1468% | 639 |
| Net loans and leases to core deposits | 125.7046% | 418 |
| Total domestic deposits to total assets | 79.7483% | 4,164 |
| Equity capital to assets | 11.1835% | 2,493 |
| Core capital (leverage) ratio | 9.9317% | 3,706 |
| Tier 1 risk-based capital ratio | 10.8434% | 5,103 |
| Total risk-based capital ratio | 11.9558% | 5,075 |
| Memoranda: | ||
| Average total assets | $878,354,750 | 865 |
| Average earning assets | $810,805,750 | 865 |
| Average equity | $97,584,000 | 863 |
| Average total loans | $711,600,250 | 768 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3854% | 2,469 |
| Cost of funding earning assets | 0.8022% | 1,113 |
| Net interest margin | 3.5833% | 3,376 |
| Noninterest income to average assets | 0.4501% | 3,150 |
| Noninterest expense to average assets | 2.3885% | 3,929 |
| Loan and lease loss provision to assets | 0.1945% | 885 |
| Net operating income to assets | 0.8744% | 3,567 |
| Return on assets (ROA) | 0.8744% | 3,572 |
| Pretax return on assets | 1.1684% | 3,054 |
| Return on Equity (ROE) | 7.8880% | 3,546 |
| Retained earnings to average equity (ytd only) | 4.8819% | 3,133 |
| Net charge-offs to loans | -0.0227% | 4,617 |
| Credit loss provision to net charge-offs | -1,065.0000% | 4,523 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3509% | 3,580 |
| Assets per employee ($millions) | 5.9153% | 1,532 |
| Cash dividends to net income (ytd only)* | 38.1102% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1612% | 2,925 |
| Loan loss allowance to noncurrent loans | 277.9570% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.4427% | 2,960 |
| Noncurrent loans to loans | 0.4178% | 3,202 |
| Net loans and leases to total assets | 81.5245% | 766 |
| Net loans and leases to deposits | 101.9151% | 667 |
| Net loans and leases to core deposits | 125.7871% | 415 |
| Total domestic deposits to total assets | 79.9925% | 4,239 |
| Equity capital to assets | 11.3560% | 2,308 |
| Core capital (leverage) ratio | 9.8100% | 3,778 |
| Tier 1 risk-based capital ratio | 11.0333% | 5,037 |
| Total risk-based capital ratio | 12.1263% | 5,006 |
| Memoranda: | ||
| Average total assets | $876,264,330 | 873 |
| Average earning assets | $807,308,330 | 872 |
| Average equity | $97,134,670 | 870 |
| Average total loans | $705,695,000 | 775 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3431% | 2,374 |
| Cost of funding earning assets | 0.7578% | 1,149 |
| Net interest margin | 3.5854% | 3,239 |
| Noninterest income to average assets | 0.4219% | 3,304 |
| Noninterest expense to average assets | 2.3245% | 4,132 |
| Loan and lease loss provision to assets | 0.1931% | 867 |
| Net operating income to assets | 0.8978% | 3,300 |
| Return on assets (ROA) | 0.8978% | 3,308 |
| Pretax return on assets | 1.2024% | 2,739 |
| Return on Equity (ROE) | 8.1974% | 3,296 |
| Retained earnings to average equity (ytd only) | 5.1766% | 3,085 |
| Net charge-offs to loans | -0.0028% | 3,866 |
| Credit loss provision to net charge-offs | -8,520.0000% | 4,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1720% | 3,919 |
| Assets per employee ($millions) | 6.0973% | 1,432 |
| Cash dividends to net income (ytd only)* | 36.8501% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0895% | 3,452 |
| Loan loss allowance to noncurrent loans | 194.6156% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 0.5476% | 2,698 |
| Noncurrent loans to loans | 0.5598% | 2,856 |
| Net loans and leases to total assets | 81.4825% | 729 |
| Net loans and leases to deposits | 101.8367% | 586 |
| Net loans and leases to core deposits | 127.1250% | 397 |
| Total domestic deposits to total assets | 80.0129% | 4,414 |
| Equity capital to assets | 11.2132% | 2,378 |
| Core capital (leverage) ratio | 9.6163% | 3,945 |
| Tier 1 risk-based capital ratio | 10.8284% | 5,235 |
| Total risk-based capital ratio | 11.8507% | 5,220 |
| Memoranda: | ||
| Average total assets | $882,582,500 | 871 |
| Average earning assets | $811,856,000 | 874 |
| Average equity | $96,665,000 | 879 |
| Average total loans | $702,372,500 | 781 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1626% | 2,827 |
| Cost of funding earning assets | 0.5889% | 1,681 |
| Net interest margin | 3.5738% | 3,251 |
| Noninterest income to average assets | 0.4560% | 3,271 |
| Noninterest expense to average assets | 2.6928% | 3,150 |
| Loan and lease loss provision to assets | 0.1546% | 1,459 |
| Net operating income to assets | 0.5740% | 4,124 |
| Return on assets (ROA) | 0.5754% | 4,152 |
| Pretax return on assets | 0.9013% | 3,924 |
| Return on Equity (ROE) | 5.1070% | 4,122 |
| Retained earnings to average equity (ytd only) | 2.2652% | 3,958 |
| Net charge-offs to loans | -0.0079% | 4,733 |
| Credit loss provision to net charge-offs | -2,503.8462% | 5,184 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3074% | 2,500 |
| Assets per employee ($millions) | 6.2455% | 1,352 |
| Cash dividends to net income (ytd only)* | 55.6450% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0615% | 3,544 |
| Loan loss allowance to noncurrent loans | 148.7034% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 0.6320% | 2,431 |
| Noncurrent loans to loans | 0.7138% | 2,417 |
| Net loans and leases to total assets | 76.0712% | 1,579 |
| Net loans and leases to deposits | 94.0883% | 1,263 |
| Net loans and leases to core deposits | 119.0341% | 617 |
| Total domestic deposits to total assets | 80.8509% | 4,153 |
| Equity capital to assets | 10.7015% | 2,942 |
| Core capital (leverage) ratio | 9.6938% | 3,819 |
| Tier 1 risk-based capital ratio | 10.8461% | 5,233 |
| Total risk-based capital ratio | 11.8268% | 5,245 |
| Memoranda: | ||
| Average total assets | $842,094,000 | 885 |
| Average earning assets | $775,375,800 | 888 |
| Average equity | $94,870,400 | 864 |
| Average total loans | $655,901,400 | 793 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1525% | 2,786 |
| Cost of funding earning assets | 0.5641% | 1,784 |
| Net interest margin | 3.5884% | 3,199 |
| Noninterest income to average assets | 0.4737% | 3,188 |
| Noninterest expense to average assets | 2.8438% | 2,583 |
| Loan and lease loss provision to assets | 0.1798% | 1,113 |
| Net operating income to assets | 0.5141% | 4,693 |
| Return on assets (ROA) | 0.5161% | 4,714 |
| Pretax return on assets | 0.7628% | 4,447 |
| Return on Equity (ROE) | 4.5192% | 4,705 |
| Retained earnings to average equity (ytd only) | 1.6686% | 4,760 |
| Net charge-offs to loans | 0.0008% | 3,768 |
| Credit loss provision to net charge-offs | 27,900.0000% | 16 |
| Earnings coverage of net charge-offs (x) | 1,459.3752% | 64 |
| Efficiency ratio | 73.5845% | 1,959 |
| Assets per employee ($millions) | 5.9242% | 1,552 |
| Cash dividends to net income (ytd only)* | 63.0775% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0454% | 3,813 |
| Loan loss allowance to noncurrent loans | 114.1892% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 0.8278% | 2,081 |
| Noncurrent loans to loans | 0.9155% | 2,096 |
| Net loans and leases to total assets | 79.8652% | 1,002 |
| Net loans and leases to deposits | 100.4930% | 712 |
| Net loans and leases to core deposits | 124.0294% | 464 |
| Total domestic deposits to total assets | 79.4734% | 4,442 |
| Equity capital to assets | 11.3780% | 2,487 |
| Core capital (leverage) ratio | 9.7634% | 3,867 |
| Tier 1 risk-based capital ratio | 10.9416% | 5,280 |
| Total risk-based capital ratio | 11.9077% | 5,321 |
| Memoranda: | ||
| Average total assets | $827,780,500 | 903 |
| Average earning assets | $763,506,250 | 905 |
| Average equity | $94,527,000 | 870 |
| Average total loans | $647,005,500 | 814 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0768% | 2,901 |
| Cost of funding earning assets | 0.5434% | 1,816 |
| Net interest margin | 3.5334% | 3,283 |
| Noninterest income to average assets | 0.4637% | 3,263 |
| Noninterest expense to average assets | 2.9882% | 2,145 |
| Loan and lease loss provision to assets | 0.2257% | 771 |
| Net operating income to assets | 0.3637% | 5,059 |
| Return on assets (ROA) | 0.3637% | 5,083 |
| Pretax return on assets | 0.5087% | 4,992 |
| Return on Equity (ROE) | 3.1807% | 5,065 |
| Retained earnings to average equity (ytd only) | 1.7508% | 4,547 |
| Net charge-offs to loans | 0.0060% | 3,246 |
| Credit loss provision to net charge-offs | 4,889.4737% | 99 |
| Earnings coverage of net charge-offs (x) | 159.1053% | 479 |
| Efficiency ratio | 78.6609% | 1,372 |
| Assets per employee ($millions) | 5.7637% | 1,639 |
| Cash dividends to net income (ytd only)* | 44.9566% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0412% | 3,894 |
| Loan loss allowance to noncurrent loans | 145.1789% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 0.6624% | 2,562 |
| Noncurrent loans to loans | 0.7172% | 2,596 |
| Net loans and leases to total assets | 78.9716% | 1,097 |
| Net loans and leases to deposits | 99.5649% | 770 |
| Net loans and leases to core deposits | 123.0059% | 465 |
| Total domestic deposits to total assets | 79.3166% | 4,556 |
| Equity capital to assets | 11.5041% | 2,317 |
| Core capital (leverage) ratio | 9.9187% | 3,636 |
| Tier 1 risk-based capital ratio | 11.2062% | 5,134 |
| Total risk-based capital ratio | 12.1726% | 5,201 |
| Memoranda: | ||
| Average total assets | $823,293,000 | 918 |
| Average earning assets | $759,330,330 | 917 |
| Average equity | $94,130,330 | 874 |
| Average total loans | $636,354,670 | 829 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0097% | 3,001 |
| Cost of funding earning assets | 0.5591% | 1,658 |
| Net interest margin | 3.4506% | 3,446 |
| Noninterest income to average assets | 0.4613% | 3,246 |
| Noninterest expense to average assets | 3.1588% | 1,723 |
| Loan and lease loss provision to assets | 0.1035% | 1,847 |
| Net operating income to assets | 0.2925% | 5,217 |
| Return on assets (ROA) | 0.2925% | 5,230 |
| Pretax return on assets | 0.4154% | 5,136 |
| Return on Equity (ROE) | 2.7871% | 5,152 |
| Retained earnings to average equity (ytd only) | -2.2015% | 5,186 |
| Net charge-offs to loans | -0.0219% | 4,788 |
| Credit loss provision to net charge-offs | -554.1667% | 4,273 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8926% | 812 |
| Assets per employee ($millions) | 5.6409% | 1,775 |
| Cash dividends to net income (ytd only)* | 178.9894% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3661% | 2,226 |
| Loan loss allowance to noncurrent loans | 315.8355% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.5246% | 3,137 |
| Noncurrent loans to loans | 0.4325% | 3,549 |
| Net loans and leases to total assets | 86.4014% | 191 |
| Net loans and leases to deposits | 112.4364% | 167 |
| Net loans and leases to core deposits | 137.8053% | 188 |
| Total domestic deposits to total assets | 76.8447% | 5,135 |
| Equity capital to assets | 10.4889% | 3,198 |
| Core capital (leverage) ratio | 10.4953% | 2,907 |
| Tier 1 risk-based capital ratio | 11.5047% | 5,025 |
| Total risk-based capital ratio | 12.7556% | 4,927 |
| Memoranda: | ||
| Average total assets | $514,245,000 | 1,382 |
| Average earning assets | $479,338,500 | 1,379 |
| Average equity | $53,962,000 | 1,445 |
| Average total loans | $438,374,500 | 1,162 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3002% | 2,137 |
| Cost of funding earning assets | 0.5459% | 1,731 |
| Net interest margin | 3.7543% | 2,484 |
| Noninterest income to average assets | 0.6042% | 2,641 |
| Noninterest expense to average assets | 2.6614% | 3,484 |
| Loan and lease loss provision to assets | 0.0535% | 3,315 |
| Net operating income to assets | 0.9006% | 2,818 |
| Return on assets (ROA) | 0.9006% | 2,939 |
| Pretax return on assets | 1.3938% | 1,966 |
| Return on Equity (ROE) | 8.0843% | 2,895 |
| Retained earnings to average equity (ytd only) | 5.1153% | 2,273 |
| Net charge-offs to loans | 0.0296% | 3,429 |
| Credit loss provision to net charge-offs | 210.0000% | 1,354 |
| Earnings coverage of net charge-offs (x) | 56.8500% | 931 |
| Efficiency ratio | 64.7751% | 3,804 |
| Assets per employee ($millions) | 5.7884% | 1,630 |
| Cash dividends to net income (ytd only)* | 36.7256% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4016% | 2,072 |
| Loan loss allowance to noncurrent loans | 336.8599% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.6454% | 2,791 |
| Noncurrent loans to loans | 0.4161% | 3,651 |
| Net loans and leases to total assets | 81.7408% | 641 |
| Net loans and leases to deposits | 106.5070% | 321 |
| Net loans and leases to core deposits | 132.0039% | 261 |
| Total domestic deposits to total assets | 76.7468% | 5,150 |
| Equity capital to assets | 10.4980% | 3,160 |
| Core capital (leverage) ratio | 11.1517% | 2,204 |
| Tier 1 risk-based capital ratio | 12.1421% | 4,627 |
| Total risk-based capital ratio | 13.3933% | 4,500 |
| Memoranda: | ||
| Average total assets | $471,377,000 | 1,449 |
| Average earning assets | $440,004,200 | 1,446 |
| Average equity | $52,509,000 | 1,465 |
| Average total loans | $405,261,000 | 1,188 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3097% | 2,131 |
| Cost of funding earning assets | 0.5534% | 1,661 |
| Net interest margin | 3.7564% | 2,502 |
| Noninterest income to average assets | 0.6284% | 2,529 |
| Noninterest expense to average assets | 2.7168% | 3,306 |
| Loan and lease loss provision to assets | 0.0547% | 3,166 |
| Net operating income to assets | 0.8867% | 2,973 |
| Return on assets (ROA) | 0.8867% | 3,106 |
| Pretax return on assets | 1.3677% | 2,165 |
| Return on Equity (ROE) | 7.8336% | 3,094 |
| Retained earnings to average equity (ytd only) | 4.1650% | 3,354 |
| Net charge-offs to loans | 0.0280% | 3,106 |
| Credit loss provision to net charge-offs | 225.0000% | 1,308 |
| Earnings coverage of net charge-offs (x) | 58.4747% | 979 |
| Efficiency ratio | 65.6359% | 3,653 |
| Assets per employee ($millions) | 5.2905% | 2,058 |
| Cash dividends to net income (ytd only)* | 46.8321% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4390% | 2,024 |
| Loan loss allowance to noncurrent loans | 507.1489% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.5849% | 3,152 |
| Noncurrent loans to loans | 0.2837% | 4,247 |
| Net loans and leases to total assets | 87.6671% | 153 |
| Net loans and leases to deposits | 119.8165% | 112 |
| Net loans and leases to core deposits | 136.7857% | 219 |
| Total domestic deposits to total assets | 73.1679% | 5,506 |
| Equity capital to assets | 11.4580% | 2,550 |
| Core capital (leverage) ratio | 11.3250% | 2,171 |
| Tier 1 risk-based capital ratio | 12.3277% | 4,589 |
| Total risk-based capital ratio | 13.5794% | 4,491 |
| Memoranda: | ||
| Average total assets | $460,430,250 | 1,482 |
| Average earning assets | $430,334,250 | 1,471 |
| Average equity | $52,115,750 | 1,477 |
| Average total loans | $399,805,000 | 1,203 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2306% | 2,404 |
| Cost of funding earning assets | 0.5504% | 1,696 |
| Net interest margin | 3.6802% | 2,783 |
| Noninterest income to average assets | 0.5973% | 2,634 |
| Noninterest expense to average assets | 2.7324% | 3,268 |
| Loan and lease loss provision to assets | 0.0549% | 3,052 |
| Net operating income to assets | 0.8110% | 3,260 |
| Return on assets (ROA) | 0.8110% | 3,391 |
| Pretax return on assets | 1.2469% | 2,610 |
| Return on Equity (ROE) | 7.1945% | 3,429 |
| Retained earnings to average equity (ytd only) | 1.6478% | 4,724 |
| Net charge-offs to loans | 0.0451% | 2,570 |
| Credit loss provision to net charge-offs | 141.5730% | 1,665 |
| Earnings coverage of net charge-offs (x) | 33.5506% | 1,304 |
| Efficiency ratio | 67.7294% | 3,395 |
| Assets per employee ($millions) | 5.2703% | 2,012 |
| Cash dividends to net income (ytd only)* | 77.0968% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4595% | 2,026 |
| Loan loss allowance to noncurrent loans | 630.8351% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.5292% | 3,441 |
| Noncurrent loans to loans | 0.2314% | 4,515 |
| Net loans and leases to total assets | 84.8098% | 353 |
| Net loans and leases to deposits | 112.5753% | 200 |
| Net loans and leases to core deposits | 123.7897% | 416 |
| Total domestic deposits to total assets | 75.3360% | 5,371 |
| Equity capital to assets | 11.1220% | 2,923 |
| Core capital (leverage) ratio | 11.2638% | 2,182 |
| Tier 1 risk-based capital ratio | 12.4572% | 4,551 |
| Total risk-based capital ratio | 13.7093% | 4,459 |
| Memoranda: | ||
| Average total assets | $458,720,000 | 1,495 |
| Average earning assets | $428,400,330 | 1,483 |
| Average equity | $51,706,330 | 1,492 |
| Average total loans | $395,039,000 | 1,217 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2173% | 2,408 |
| Cost of funding earning assets | 0.5470% | 1,739 |
| Net interest margin | 3.6703% | 2,800 |
| Noninterest income to average assets | 0.4815% | 3,244 |
| Noninterest expense to average assets | 2.7481% | 3,246 |
| Loan and lease loss provision to assets | 0.0556% | 2,834 |
| Net operating income to assets | 0.7170% | 3,628 |
| Return on assets (ROA) | 0.7170% | 3,745 |
| Pretax return on assets | 1.0980% | 3,101 |
| Return on Equity (ROE) | 6.3176% | 3,819 |
| Retained earnings to average equity (ytd only) | -3.2715% | 5,498 |
| Net charge-offs to loans | 0.1003% | 1,525 |
| Credit loss provision to net charge-offs | 64.2857% | 1,950 |
| Earnings coverage of net charge-offs (x) | 13.3469% | 1,740 |
| Efficiency ratio | 70.4340% | 3,048 |
| Assets per employee ($millions) | 5.0316% | 2,307 |
| Cash dividends to net income (ytd only)* | 151.7835% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4665% | 2,130 |
| Loan loss allowance to noncurrent loans | 508.7413% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.6404% | 3,135 |
| Noncurrent loans to loans | 0.2883% | 4,400 |
| Net loans and leases to total assets | 87.3231% | 151 |
| Net loans and leases to deposits | 110.6432% | 210 |
| Net loans and leases to core deposits | 133.7995% | 227 |
| Total domestic deposits to total assets | 78.9232% | 4,983 |
| Equity capital to assets | 11.4579% | 2,478 |
| Core capital (leverage) ratio | 11.2739% | 2,169 |
| Tier 1 risk-based capital ratio | 12.5550% | 4,542 |
| Total risk-based capital ratio | 13.8073% | 4,454 |
| Memoranda: | ||
| Average total assets | $453,553,500 | 1,510 |
| Average earning assets | $422,641,000 | 1,499 |
| Average equity | $51,475,500 | 1,493 |
| Average total loans | $390,711,000 | 1,222 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2708% | 2,311 |
| Cost of funding earning assets | 0.5783% | 1,513 |
| Net interest margin | 3.6925% | 2,775 |
| Noninterest income to average assets | 0.6194% | 2,623 |
| Noninterest expense to average assets | 2.7482% | 3,418 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9101% | 2,810 |
| Return on assets (ROA) | 0.9101% | 2,893 |
| Pretax return on assets | 1.2886% | 2,329 |
| Return on Equity (ROE) | 7.7510% | 3,105 |
| Retained earnings to average equity (ytd only) | 5.7492% | 1,924 |
| Net charge-offs to loans | -0.0003% | 4,812 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0797% | 3,560 |
| Assets per employee ($millions) | 5.1033% | 2,238 |
| Cash dividends to net income (ytd only)* | 25.8264% | 3,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5223% | 1,892 |
| Loan loss allowance to noncurrent loans | 493.1761% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.6338% | 3,165 |
| Noncurrent loans to loans | 0.3087% | 4,352 |
| Net loans and leases to total assets | 82.4535% | 551 |
| Net loans and leases to deposits | 103.0221% | 487 |
| Net loans and leases to core deposits | 125.8559% | 340 |
| Total domestic deposits to total assets | 80.0347% | 4,736 |
| Equity capital to assets | 11.2436% | 2,597 |
| Core capital (leverage) ratio | 11.8808% | 1,697 |
| Tier 1 risk-based capital ratio | 12.6313% | 4,554 |
| Total risk-based capital ratio | 13.8837% | 4,443 |
| Memoranda: | ||
| Average total assets | $425,438,200 | 1,563 |
| Average earning assets | $393,741,800 | 1,549 |
| Average equity | $49,955,000 | 1,495 |
| Average total loans | $355,471,800 | 1,275 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2865% | 2,280 |
| Cost of funding earning assets | 0.5868% | 1,481 |
| Net interest margin | 3.6997% | 2,770 |
| Noninterest income to average assets | 0.6584% | 2,436 |
| Noninterest expense to average assets | 2.8250% | 3,087 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9107% | 2,912 |
| Return on assets (ROA) | 0.9107% | 3,003 |
| Pretax return on assets | 1.2544% | 2,580 |
| Return on Equity (ROE) | 7.6660% | 3,246 |
| Retained earnings to average equity (ytd only) | 4.9743% | 2,935 |
| Net charge-offs to loans | -0.0054% | 4,845 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2507% | 3,334 |
| Assets per employee ($millions) | 4.7134% | 2,676 |
| Cash dividends to net income (ytd only)* | 35.1123% | 2,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6094% | 1,756 |
| Loan loss allowance to noncurrent loans | 405.7400% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.7685% | 2,977 |
| Noncurrent loans to loans | 0.3966% | 4,194 |
| Net loans and leases to total assets | 84.5546% | 344 |
| Net loans and leases to deposits | 105.8954% | 368 |
| Net loans and leases to core deposits | 126.4249% | 330 |
| Total domestic deposits to total assets | 79.8472% | 4,782 |
| Equity capital to assets | 11.9695% | 2,131 |
| Core capital (leverage) ratio | 11.8548% | 1,775 |
| Tier 1 risk-based capital ratio | 12.8753% | 4,507 |
| Total risk-based capital ratio | 14.1294% | 4,424 |
| Memoranda: | ||
| Average total assets | $416,974,500 | 1,596 |
| Average earning assets | $385,575,500 | 1,595 |
| Average equity | $49,533,500 | 1,507 |
| Average total loans | $348,200,500 | 1,297 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2811% | 2,232 |
| Cost of funding earning assets | 0.5809% | 1,553 |
| Net interest margin | 3.7002% | 2,705 |
| Noninterest income to average assets | 0.7044% | 2,194 |
| Noninterest expense to average assets | 2.8406% | 3,102 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8139% | 3,314 |
| Return on assets (ROA) | 0.8139% | 3,418 |
| Pretax return on assets | 1.2717% | 2,465 |
| Return on Equity (ROE) | 6.8690% | 3,686 |
| Retained earnings to average equity (ytd only) | 2.7973% | 4,263 |
| Net charge-offs to loans | -0.0058% | 4,778 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0756% | 3,478 |
| Assets per employee ($millions) | 4.8548% | 2,464 |
| Cash dividends to net income (ytd only)* | 59.2768% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6991% | 1,603 |
| Loan loss allowance to noncurrent loans | 427.3324% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.8469% | 2,861 |
| Noncurrent loans to loans | 0.3976% | 4,289 |
| Net loans and leases to total assets | 81.2415% | 640 |
| Net loans and leases to deposits | 101.5195% | 569 |
| Net loans and leases to core deposits | 122.2554% | 413 |
| Total domestic deposits to total assets | 80.0255% | 4,865 |
| Equity capital to assets | 11.8693% | 2,127 |
| Core capital (leverage) ratio | 11.6272% | 1,905 |
| Tier 1 risk-based capital ratio | 13.2397% | 4,381 |
| Total risk-based capital ratio | 14.4949% | 4,305 |
| Memoranda: | ||
| Average total assets | $414,562,670 | 1,614 |
| Average earning assets | $381,813,670 | 1,618 |
| Average equity | $49,119,330 | 1,528 |
| Average total loans | $342,748,670 | 1,320 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2605% | 2,233 |
| Cost of funding earning assets | 0.5745% | 1,622 |
| Net interest margin | 3.6860% | 2,672 |
| Noninterest income to average assets | 0.6633% | 2,342 |
| Noninterest expense to average assets | 2.8391% | 3,106 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7795% | 3,368 |
| Return on assets (ROA) | 0.7795% | 3,502 |
| Pretax return on assets | 1.2104% | 2,622 |
| Return on Equity (ROE) | 6.5847% | 3,722 |
| Retained earnings to average equity (ytd only) | 6.5847% | 2,201 |
| Net charge-offs to loans | -0.0070% | 4,596 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1100% | 3,469 |
| Assets per employee ($millions) | 4.7921% | 2,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7133% | 1,703 |
| Loan loss allowance to noncurrent loans | 433.6788% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.8723% | 2,894 |
| Noncurrent loans to loans | 0.3951% | 4,407 |
| Net loans and leases to total assets | 81.5546% | 513 |
| Net loans and leases to deposits | 102.9652% | 416 |
| Net loans and leases to core deposits | 124.3063% | 319 |
| Total domestic deposits to total assets | 79.2061% | 5,232 |
| Equity capital to assets | 11.8429% | 2,158 |
| Core capital (leverage) ratio | 11.6711% | 1,872 |
| Tier 1 risk-based capital ratio | 13.2341% | 4,473 |
| Total risk-based capital ratio | 14.4885% | 4,388 |
| Memoranda: | ||
| Average total assets | $413,087,500 | 1,629 |
| Average earning assets | $379,488,000 | 1,631 |
| Average equity | $48,901,000 | 1,539 |
| Average total loans | $341,594,500 | 1,326 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5240% | 1,777 |
| Cost of funding earning assets | 0.6038% | 1,730 |
| Net interest margin | 3.9203% | 2,157 |
| Noninterest income to average assets | 0.6110% | 2,794 |
| Noninterest expense to average assets | 2.9088% | 3,123 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8479% | 3,127 |
| Return on assets (ROA) | 0.8479% | 3,226 |
| Pretax return on assets | 1.3152% | 2,194 |
| Return on Equity (ROE) | 7.0887% | 3,581 |
| Retained earnings to average equity (ytd only) | 6.5608% | 1,616 |
| Net charge-offs to loans | 0.1554% | 2,480 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 10.0911% | 2,658 |
| Efficiency ratio | 68.8632% | 3,744 |
| Assets per employee ($millions) | 4.8712% | 2,506 |
| Cash dividends to net income (ytd only)* | 7.4471% | 4,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7153% | 1,736 |
| Loan loss allowance to noncurrent loans | 458.3399% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.9530% | 2,849 |
| Noncurrent loans to loans | 0.3742% | 4,522 |
| Net loans and leases to total assets | 80.9975% | 626 |
| Net loans and leases to deposits | 103.5831% | 449 |
| Net loans and leases to core deposits | 122.2253% | 362 |
| Total domestic deposits to total assets | 78.1957% | 5,396 |
| Equity capital to assets | 11.8330% | 2,146 |
| Core capital (leverage) ratio | 12.0217% | 1,602 |
| Tier 1 risk-based capital ratio | 13.8122% | 4,230 |
| Total risk-based capital ratio | 15.0672% | 4,159 |
| Memoranda: | ||
| Average total assets | $395,906,600 | 1,660 |
| Average earning assets | $364,873,600 | 1,650 |
| Average equity | $47,357,200 | 1,524 |
| Average total loans | $331,984,200 | 1,317 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5427% | 1,726 |
| Cost of funding earning assets | 0.6081% | 1,765 |
| Net interest margin | 3.9346% | 2,094 |
| Noninterest income to average assets | 0.6340% | 2,657 |
| Noninterest expense to average assets | 2.9571% | 2,943 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8449% | 3,204 |
| Return on assets (ROA) | 0.8449% | 3,298 |
| Pretax return on assets | 1.3119% | 2,330 |
| Return on Equity (ROE) | 7.0431% | 3,694 |
| Retained earnings to average equity (ytd only) | 6.3331% | 2,197 |
| Net charge-offs to loans | 0.1897% | 1,945 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 8.2111% | 2,838 |
| Efficiency ratio | 69.2682% | 3,631 |
| Assets per employee ($millions) | 5.0030% | 2,233 |
| Cash dividends to net income (ytd only)* | 10.0808% | 3,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7016% | 1,968 |
| Loan loss allowance to noncurrent loans | 379.9099% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 1.0991% | 2,755 |
| Noncurrent loans to loans | 0.4479% | 4,556 |
| Net loans and leases to total assets | 83.0792% | 395 |
| Net loans and leases to deposits | 111.5870% | 189 |
| Net loans and leases to core deposits | 132.7572% | 208 |
| Total domestic deposits to total assets | 74.4524% | 5,975 |
| Equity capital to assets | 11.7430% | 2,270 |
| Core capital (leverage) ratio | 11.8399% | 1,804 |
| Tier 1 risk-based capital ratio | 13.3577% | 4,638 |
| Total risk-based capital ratio | 14.6128% | 4,565 |
| Memoranda: | ||
| Average total assets | $391,369,500 | 1,687 |
| Average earning assets | $361,570,000 | 1,677 |
| Average equity | $46,947,750 | 1,538 |
| Average total loans | $329,673,500 | 1,334 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5750% | 1,595 |
| Cost of funding earning assets | 0.6145% | 1,773 |
| Net interest margin | 3.9605% | 1,930 |
| Noninterest income to average assets | 0.6591% | 2,489 |
| Noninterest expense to average assets | 3.1204% | 2,422 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7162% | 3,753 |
| Return on assets (ROA) | 0.7162% | 3,849 |
| Pretax return on assets | 1.1909% | 2,697 |
| Return on Equity (ROE) | 5.9263% | 4,193 |
| Retained earnings to average equity (ytd only) | 4.8519% | 3,055 |
| Net charge-offs to loans | 0.2574% | 1,521 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 5.4988% | 2,917 |
| Efficiency ratio | 72.3768% | 3,272 |
| Assets per employee ($millions) | 4.7047% | 2,601 |
| Cash dividends to net income (ytd only)* | 18.1291% | 3,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8285% | 1,766 |
| Loan loss allowance to noncurrent loans | 243.5939% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 1.4297% | 2,282 |
| Noncurrent loans to loans | 0.7507% | 3,825 |
| Net loans and leases to total assets | 80.8468% | 587 |
| Net loans and leases to deposits | 104.7998% | 340 |
| Net loans and leases to core deposits | 132.6910% | 202 |
| Total domestic deposits to total assets | 77.1440% | 5,782 |
| Equity capital to assets | 11.9296% | 2,038 |
| Core capital (leverage) ratio | 11.8368% | 1,762 |
| Tier 1 risk-based capital ratio | 13.9025% | 4,323 |
| Total risk-based capital ratio | 15.1590% | 4,263 |
| Memoranda: | ||
| Average total assets | $385,077,330 | 1,707 |
| Average earning assets | $355,102,330 | 1,703 |
| Average equity | $46,538,670 | 1,541 |
| Average total loans | $323,988,330 | 1,342 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4267% | 2,036 |
| Cost of funding earning assets | 0.6192% | 1,825 |
| Net interest margin | 3.8076% | 2,444 |
| Noninterest income to average assets | 0.5073% | 3,348 |
| Noninterest expense to average assets | 3.1925% | 2,262 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5000% | 4,691 |
| Return on assets (ROA) | 0.5000% | 4,773 |
| Pretax return on assets | 0.8231% | 4,012 |
| Return on Equity (ROE) | 4.1094% | 4,982 |
| Retained earnings to average equity (ytd only) | 4.1094% | 3,658 |
| Net charge-offs to loans | 0.2475% | 1,333 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 3.9100% | 2,602 |
| Efficiency ratio | 79.5020% | 2,277 |
| Assets per employee ($millions) | 4.6220% | 2,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8872% | 1,795 |
| Loan loss allowance to noncurrent loans | 81.7086% | 4,128 |
| Noncurrent assets plus other real estate owned to assets | 2.6831% | 1,140 |
| Noncurrent loans to loans | 2.3096% | 1,541 |
| Net loans and leases to total assets | 83.6032% | 254 |
| Net loans and leases to deposits | 109.1220% | 167 |
| Net loans and leases to core deposits | 136.7293% | 146 |
| Total domestic deposits to total assets | 76.6144% | 6,008 |
| Equity capital to assets | 12.1125% | 1,798 |
| Core capital (leverage) ratio | 11.9626% | 1,674 |
| Tier 1 risk-based capital ratio | 13.6377% | 4,589 |
| Total risk-based capital ratio | 14.8950% | 4,533 |
| Memoranda: | ||
| Average total assets | $380,020,000 | 1,738 |
| Average earning assets | $350,145,000 | 1,723 |
| Average equity | $46,235,500 | 1,550 |
| Average total loans | $323,257,000 | 1,352 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7018% | 1,568 |
| Cost of funding earning assets | 0.6778% | 1,974 |
| Net interest margin | 4.0240% | 1,887 |
| Noninterest income to average assets | 0.7488% | 2,294 |
| Noninterest expense to average assets | 2.8699% | 3,461 |
| Loan and lease loss provision to assets | 0.0105% | 4,915 |
| Net operating income to assets | 1.0026% | 2,311 |
| Return on assets (ROA) | 1.0026% | 2,381 |
| Pretax return on assets | 1.5700% | 1,249 |
| Return on Equity (ROE) | 8.1564% | 2,955 |
| Retained earnings to average equity (ytd only) | 8.1564% | 1,007 |
| Net charge-offs to loans | 0.0828% | 4,052 |
| Credit loss provision to net charge-offs | 15.1394% | 4,526 |
| Earnings coverage of net charge-offs (x) | 22.8048% | 1,437 |
| Efficiency ratio | 64.4869% | 4,819 |
| Assets per employee ($millions) | 4.7051% | 2,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9927% | 1,569 |
| Loan loss allowance to noncurrent loans | 81.4138% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 2.8073% | 1,160 |
| Noncurrent loans to loans | 2.4476% | 1,560 |
| Net loans and leases to total assets | 83.2202% | 310 |
| Net loans and leases to deposits | 111.0883% | 156 |
| Net loans and leases to core deposits | 131.4382% | 184 |
| Total domestic deposits to total assets | 74.9136% | 6,207 |
| Equity capital to assets | 12.2217% | 1,669 |
| Core capital (leverage) ratio | 12.3620% | 1,420 |
| Tier 1 risk-based capital ratio | 13.7628% | 4,470 |
| Total risk-based capital ratio | 15.0212% | 4,409 |
| Memoranda: | ||
| Average total assets | $362,171,000 | 1,789 |
| Average earning assets | $333,150,600 | 1,787 |
| Average equity | $44,517,400 | 1,569 |
| Average total loans | $303,105,000 | 1,393 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7635% | 1,437 |
| Cost of funding earning assets | 0.6989% | 1,957 |
| Net interest margin | 4.0645% | 1,745 |
| Noninterest income to average assets | 0.8064% | 2,112 |
| Noninterest expense to average assets | 2.8242% | 3,578 |
| Loan and lease loss provision to assets | 0.0141% | 4,721 |
| Net operating income to assets | 1.0860% | 2,062 |
| Return on assets (ROA) | 1.0860% | 2,140 |
| Pretax return on assets | 1.7043% | 1,085 |
| Return on Equity (ROE) | 8.8221% | 2,730 |
| Retained earnings to average equity (ytd only) | 8.8221% | 1,110 |
| Net charge-offs to loans | 0.0910% | 3,660 |
| Credit loss provision to net charge-offs | 18.6275% | 4,093 |
| Earnings coverage of net charge-offs (x) | 22.6571% | 1,488 |
| Efficiency ratio | 62.1706% | 5,110 |
| Assets per employee ($millions) | 4.7862% | 2,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0911% | 1,529 |
| Loan loss allowance to noncurrent loans | 85.6952% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 2.7403% | 1,370 |
| Noncurrent loans to loans | 2.4401% | 1,787 |
| Net loans and leases to total assets | 82.5867% | 324 |
| Net loans and leases to deposits | 107.6738% | 200 |
| Net loans and leases to core deposits | 132.0077% | 167 |
| Total domestic deposits to total assets | 76.7008% | 6,089 |
| Equity capital to assets | 12.4629% | 1,603 |
| Core capital (leverage) ratio | 12.4785% | 1,434 |
| Tier 1 risk-based capital ratio | 14.1315% | 4,334 |
| Total risk-based capital ratio | 15.3565% | 4,298 |
| Memoranda: | ||
| Average total assets | $358,611,000 | 1,818 |
| Average earning assets | $329,640,500 | 1,814 |
| Average equity | $44,145,750 | 1,598 |
| Average total loans | $298,976,500 | 1,412 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6879% | 1,603 |
| Cost of funding earning assets | 0.7245% | 1,890 |
| Net interest margin | 3.9635% | 1,991 |
| Noninterest income to average assets | 0.8636% | 1,948 |
| Noninterest expense to average assets | 2.8865% | 3,373 |
| Loan and lease loss provision to assets | 0.0213% | 4,475 |
| Net operating income to assets | 1.0277% | 2,209 |
| Return on assets (ROA) | 1.0277% | 2,329 |
| Pretax return on assets | 1.6010% | 1,377 |
| Return on Equity (ROE) | 8.3841% | 2,904 |
| Retained earnings to average equity (ytd only) | 8.3841% | 1,339 |
| Net charge-offs to loans | 0.0668% | 3,754 |
| Credit loss provision to net charge-offs | 38.3838% | 3,450 |
| Earnings coverage of net charge-offs (x) | 29.2424% | 1,164 |
| Efficiency ratio | 64.0194% | 4,868 |
| Assets per employee ($millions) | 4.6072% | 2,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1756% | 1,474 |
| Loan loss allowance to noncurrent loans | 64.7345% | 4,593 |
| Noncurrent assets plus other real estate owned to assets | 3.5263% | 1,087 |
| Noncurrent loans to loans | 3.3608% | 1,284 |
| Net loans and leases to total assets | 82.6645% | 314 |
| Net loans and leases to deposits | 105.4797% | 235 |
| Net loans and leases to core deposits | 123.8284% | 258 |
| Total domestic deposits to total assets | 78.3700% | 5,900 |
| Equity capital to assets | 12.5395% | 1,552 |
| Core capital (leverage) ratio | 12.1267% | 1,549 |
| Tier 1 risk-based capital ratio | 14.0731% | 4,372 |
| Total risk-based capital ratio | 15.3338% | 4,324 |
| Memoranda: | ||
| Average total assets | $356,897,670 | 1,827 |
| Average earning assets | $328,248,000 | 1,826 |
| Average equity | $43,749,670 | 1,610 |
| Average total loans | $296,360,000 | 1,423 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7384% | 1,435 |
| Cost of funding earning assets | 0.7757% | 1,674 |
| Net interest margin | 3.9626% | 1,911 |
| Noninterest income to average assets | 0.7274% | 2,439 |
| Noninterest expense to average assets | 2.9377% | 3,197 |
| Loan and lease loss provision to assets | 0.0425% | 3,894 |
| Net operating income to assets | 0.8839% | 2,728 |
| Return on assets (ROA) | 0.8839% | 2,872 |
| Pretax return on assets | 1.3834% | 1,913 |
| Return on Equity (ROE) | 7.2933% | 3,329 |
| Retained earnings to average equity (ytd only) | 7.2933% | 2,030 |
| Net charge-offs to loans | 0.1344% | 2,604 |
| Credit loss provision to net charge-offs | 38.3838% | 2,773 |
| Earnings coverage of net charge-offs (x) | 12.8889% | 1,563 |
| Efficiency ratio | 67.3239% | 4,438 |
| Assets per employee ($millions) | 4.7248% | 2,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2259% | 1,536 |
| Loan loss allowance to noncurrent loans | 60.5253% | 4,703 |
| Noncurrent assets plus other real estate owned to assets | 3.7047% | 1,120 |
| Noncurrent loans to loans | 3.6776% | 1,286 |
| Net loans and leases to total assets | 80.8331% | 360 |
| Net loans and leases to deposits | 102.7506% | 261 |
| Net loans and leases to core deposits | 114.3080% | 379 |
| Total domestic deposits to total assets | 78.6692% | 6,020 |
| Equity capital to assets | 12.3431% | 1,810 |
| Core capital (leverage) ratio | 11.9151% | 1,614 |
| Tier 1 risk-based capital ratio | 14.0764% | 4,454 |
| Total risk-based capital ratio | 15.3375% | 4,399 |
| Memoranda: | ||
| Average total assets | $357,967,500 | 1,849 |
| Average earning assets | $328,468,000 | 1,845 |
| Average equity | $43,382,000 | 1,646 |
| Average total loans | $294,649,500 | 1,438 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9111% | 1,807 |
| Cost of funding earning assets | 0.9178% | 1,836 |
| Net interest margin | 3.9933% | 2,412 |
| Noninterest income to average assets | 0.8983% | 1,859 |
| Noninterest expense to average assets | 2.9170% | 3,573 |
| Loan and lease loss provision to assets | 0.6937% | 745 |
| Net operating income to assets | 0.6547% | 3,965 |
| Return on assets (ROA) | 0.6547% | 4,229 |
| Pretax return on assets | 0.9734% | 3,644 |
| Return on Equity (ROE) | 5.3500% | 4,502 |
| Retained earnings to average equity (ytd only) | 5.3500% | 2,468 |
| Net charge-offs to loans | 0.8416% | 1,373 |
| Credit loss provision to net charge-offs | 102.0548% | 2,954 |
| Earnings coverage of net charge-offs (x) | 2.4525% | 4,184 |
| Efficiency ratio | 63.6323% | 4,952 |
| Assets per employee ($millions) | 4.6958% | 2,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2211% | 1,523 |
| Loan loss allowance to noncurrent loans | 51.6884% | 5,044 |
| Noncurrent assets plus other real estate owned to assets | 4.1336% | 1,022 |
| Noncurrent loans to loans | 4.2971% | 1,027 |
| Net loans and leases to total assets | 80.1371% | 461 |
| Net loans and leases to deposits | 102.3706% | 316 |
| Net loans and leases to core deposits | 115.6757% | 369 |
| Total domestic deposits to total assets | 78.2813% | 6,031 |
| Equity capital to assets | 11.8994% | 2,113 |
| Core capital (leverage) ratio | 11.9265% | 1,606 |
| Tier 1 risk-based capital ratio | 13.6397% | 4,647 |
| Total risk-based capital ratio | 14.8692% | 4,603 |
| Memoranda: | ||
| Average total assets | $343,646,600 | 1,886 |
| Average earning assets | $317,179,800 | 1,867 |
| Average equity | $42,056,000 | 1,654 |
| Average total loans | $277,573,200 | 1,500 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9541% | 1,817 |
| Cost of funding earning assets | 0.9448% | 1,877 |
| Net interest margin | 4.0093% | 2,467 |
| Noninterest income to average assets | 0.9344% | 1,720 |
| Noninterest expense to average assets | 2.9428% | 3,434 |
| Loan and lease loss provision to assets | 0.9097% | 482 |
| Net operating income to assets | 0.5421% | 4,652 |
| Return on assets (ROA) | 0.5421% | 4,917 |
| Pretax return on assets | 0.7902% | 4,528 |
| Return on Equity (ROE) | 4.3972% | 5,097 |
| Retained earnings to average equity (ytd only) | 4.3972% | 3,796 |
| Net charge-offs to loans | 0.0103% | 5,569 |
| Credit loss provision to net charge-offs | 11,019.0476% | 20 |
| Earnings coverage of net charge-offs (x) | 205.8996% | 221 |
| Efficiency ratio | 63.3870% | 4,906 |
| Assets per employee ($millions) | 4.5724% | 2,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0386% | 686 |
| Loan loss allowance to noncurrent loans | 65.3949% | 4,411 |
| Noncurrent assets plus other real estate owned to assets | 4.0842% | 1,182 |
| Noncurrent loans to loans | 4.6466% | 1,004 |
| Net loans and leases to total assets | 82.1359% | 334 |
| Net loans and leases to deposits | 106.9148% | 219 |
| Net loans and leases to core deposits | 121.7056% | 280 |
| Total domestic deposits to total assets | 76.8237% | 6,265 |
| Equity capital to assets | 12.3487% | 1,998 |
| Core capital (leverage) ratio | 12.0192% | 1,642 |
| Tier 1 risk-based capital ratio | 13.8813% | 4,627 |
| Total risk-based capital ratio | 15.1247% | 4,585 |
| Memoranda: | ||
| Average total assets | $339,164,750 | 1,923 |
| Average earning assets | $313,698,500 | 1,910 |
| Average equity | $41,813,750 | 1,682 |
| Average total loans | $272,882,250 | 1,529 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9084% | 2,075 |
| Cost of funding earning assets | 0.9748% | 1,910 |
| Net interest margin | 3.9336% | 2,774 |
| Noninterest income to average assets | 0.8535% | 1,951 |
| Noninterest expense to average assets | 2.9594% | 3,412 |
| Loan and lease loss provision to assets | 0.2510% | 2,571 |
| Net operating income to assets | 0.8405% | 3,196 |
| Return on assets (ROA) | 0.8405% | 3,460 |
| Pretax return on assets | 1.2903% | 2,599 |
| Return on Equity (ROE) | 6.8210% | 3,873 |
| Retained earnings to average equity (ytd only) | 6.8210% | 2,207 |
| Net charge-offs to loans | 0.0187% | 5,149 |
| Credit loss provision to net charge-offs | 1,696.0000% | 191 |
| Earnings coverage of net charge-offs (x) | 104.1600% | 410 |
| Efficiency ratio | 65.7549% | 4,577 |
| Assets per employee ($millions) | 4.4435% | 3,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4754% | 1,317 |
| Loan loss allowance to noncurrent loans | 52.2339% | 4,988 |
| Noncurrent assets plus other real estate owned to assets | 4.1151% | 1,222 |
| Noncurrent loans to loans | 4.7391% | 1,080 |
| Net loans and leases to total assets | 80.8811% | 418 |
| Net loans and leases to deposits | 100.5596% | 401 |
| Net loans and leases to core deposits | 114.0349% | 450 |
| Total domestic deposits to total assets | 80.4310% | 5,635 |
| Equity capital to assets | 12.5413% | 1,794 |
| Core capital (leverage) ratio | 12.1500% | 1,519 |
| Tier 1 risk-based capital ratio | 14.4890% | 4,114 |
| Total risk-based capital ratio | 15.7305% | 4,078 |
| Memoranda: | ||
| Average total assets | $337,910,330 | 1,930 |
| Average earning assets | $313,298,330 | 1,909 |
| Average equity | $41,636,000 | 1,681 |
| Average total loans | $267,011,670 | 1,560 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9214% | 2,163 |
| Cost of funding earning assets | 1.0572% | 1,636 |
| Net interest margin | 3.8642% | 3,079 |
| Noninterest income to average assets | 0.8710% | 1,864 |
| Noninterest expense to average assets | 3.1111% | 2,882 |
| Loan and lease loss provision to assets | 0.3373% | 1,857 |
| Net operating income to assets | 0.6367% | 4,188 |
| Return on assets (ROA) | 0.6367% | 4,400 |
| Pretax return on assets | 0.9952% | 3,694 |
| Return on Equity (ROE) | 5.2135% | 4,686 |
| Retained earnings to average equity (ytd only) | 5.2135% | 3,426 |
| Net charge-offs to loans | 0.0046% | 4,690 |
| Credit loss provision to net charge-offs | 9,500.0000% | 22 |
| Earnings coverage of net charge-offs (x) | 375.3333% | 77 |
| Efficiency ratio | 70.0133% | 3,805 |
| Assets per employee ($millions) | 4.3748% | 3,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6024% | 1,219 |
| Loan loss allowance to noncurrent loans | 50.8012% | 5,020 |
| Noncurrent assets plus other real estate owned to assets | 4.1885% | 1,298 |
| Noncurrent loans to loans | 5.1226% | 1,083 |
| Net loans and leases to total assets | 76.7262% | 728 |
| Net loans and leases to deposits | 95.5756% | 568 |
| Net loans and leases to core deposits | 106.3253% | 662 |
| Total domestic deposits to total assets | 80.2780% | 5,783 |
| Equity capital to assets | 12.4723% | 1,739 |
| Core capital (leverage) ratio | 11.7609% | 1,729 |
| Tier 1 risk-based capital ratio | 15.1317% | 3,667 |
| Total risk-based capital ratio | 16.3983% | 3,616 |
| Memoranda: | ||
| Average total assets | $338,011,500 | 1,935 |
| Average earning assets | $312,513,000 | 1,913 |
| Average equity | $41,277,500 | 1,684 |
| Average total loans | $260,480,000 | 1,609 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1535% | 2,241 |
| Cost of funding earning assets | 1.2554% | 1,702 |
| Net interest margin | 3.8981% | 3,346 |
| Noninterest income to average assets | 0.7671% | 2,253 |
| Noninterest expense to average assets | 2.8868% | 4,008 |
| Loan and lease loss provision to assets | 0.5670% | 1,834 |
| Net operating income to assets | 0.6308% | 3,825 |
| Return on assets (ROA) | 0.6308% | 4,029 |
| Pretax return on assets | 0.9305% | 3,507 |
| Return on Equity (ROE) | 5.3523% | 4,224 |
| Retained earnings to average equity (ytd only) | 5.3523% | 2,410 |
| Net charge-offs to loans | 0.3795% | 3,514 |
| Credit loss provision to net charge-offs | 190.2778% | 1,347 |
| Earnings coverage of net charge-offs (x) | 5.0258% | 2,915 |
| Efficiency ratio | 65.8441% | 4,803 |
| Assets per employee ($millions) | 4.7061% | 2,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5224% | 1,288 |
| Loan loss allowance to noncurrent loans | 50.3933% | 4,996 |
| Noncurrent assets plus other real estate owned to assets | 3.9337% | 1,462 |
| Noncurrent loans to loans | 5.0053% | 1,121 |
| Net loans and leases to total assets | 73.5019% | 1,355 |
| Net loans and leases to deposits | 90.9238% | 1,064 |
| Net loans and leases to core deposits | 101.9522% | 1,031 |
| Total domestic deposits to total assets | 80.8390% | 5,500 |
| Equity capital to assets | 11.9598% | 2,157 |
| Core capital (leverage) ratio | 11.6685% | 1,780 |
| Tier 1 risk-based capital ratio | 15.1352% | 3,553 |
| Total risk-based capital ratio | 16.4007% | 3,511 |
| Memoranda: | ||
| Average total assets | $338,294,600 | 1,911 |
| Average earning assets | $313,923,600 | 1,879 |
| Average equity | $39,870,800 | 1,695 |
| Average total loans | $265,613,400 | 1,585 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1088% | 2,566 |
| Cost of funding earning assets | 1.2991% | 1,713 |
| Net interest margin | 3.8097% | 3,824 |
| Noninterest income to average assets | 0.6968% | 2,630 |
| Noninterest expense to average assets | 2.8143% | 4,289 |
| Loan and lease loss provision to assets | 0.2433% | 3,571 |
| Net operating income to assets | 0.7814% | 3,244 |
| Return on assets (ROA) | 0.7814% | 3,413 |
| Pretax return on assets | 1.1862% | 2,681 |
| Return on Equity (ROE) | 6.6553% | 3,689 |
| Retained earnings to average equity (ytd only) | 6.6553% | 2,162 |
| Net charge-offs to loans | 0.0848% | 5,125 |
| Credit loss provision to net charge-offs | 361.7647% | 786 |
| Earnings coverage of net charge-offs (x) | 21.2530% | 1,189 |
| Efficiency ratio | 66.3155% | 4,661 |
| Assets per employee ($millions) | 4.4209% | 3,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2860% | 1,716 |
| Loan loss allowance to noncurrent loans | 38.8441% | 5,693 |
| Noncurrent assets plus other real estate owned to assets | 4.8671% | 1,193 |
| Noncurrent loans to loans | 5.8849% | 958 |
| Net loans and leases to total assets | 77.2110% | 811 |
| Net loans and leases to deposits | 97.6372% | 598 |
| Net loans and leases to core deposits | 106.0796% | 858 |
| Total domestic deposits to total assets | 79.0795% | 5,970 |
| Equity capital to assets | 12.1896% | 2,112 |
| Core capital (leverage) ratio | 11.7201% | 1,875 |
| Tier 1 risk-based capital ratio | 14.4545% | 4,007 |
| Total risk-based capital ratio | 15.6696% | 4,006 |
| Memoranda: | ||
| Average total assets | $336,982,750 | 1,927 |
| Average earning assets | $313,751,500 | 1,885 |
| Average equity | $39,566,750 | 1,712 |
| Average total loans | $267,255,750 | 1,589 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0226% | 3,053 |
| Cost of funding earning assets | 1.3616% | 1,594 |
| Net interest margin | 3.6610% | 4,466 |
| Noninterest income to average assets | 0.6172% | 3,018 |
| Noninterest expense to average assets | 2.8846% | 4,087 |
| Loan and lease loss provision to assets | 0.2508% | 3,398 |
| Net operating income to assets | 0.5959% | 4,082 |
| Return on assets (ROA) | 0.5959% | 4,218 |
| Pretax return on assets | 0.8840% | 3,690 |
| Return on Equity (ROE) | 5.1402% | 4,386 |
| Retained earnings to average equity (ytd only) | 5.1402% | 2,919 |
| Net charge-offs to loans | 0.0941% | 4,739 |
| Credit loss provision to net charge-offs | 335.7143% | 909 |
| Earnings coverage of net charge-offs (x) | 15.1905% | 1,420 |
| Efficiency ratio | 71.7657% | 3,785 |
| Assets per employee ($millions) | 4.3853% | 3,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2265% | 1,867 |
| Loan loss allowance to noncurrent loans | 53.5207% | 4,804 |
| Noncurrent assets plus other real estate owned to assets | 3.7704% | 1,728 |
| Noncurrent loans to loans | 4.1601% | 1,639 |
| Net loans and leases to total assets | 78.0158% | 781 |
| Net loans and leases to deposits | 98.9271% | 547 |
| Net loans and leases to core deposits | 114.8052% | 557 |
| Total domestic deposits to total assets | 78.8620% | 6,117 |
| Equity capital to assets | 12.0979% | 2,029 |
| Core capital (leverage) ratio | 11.4979% | 1,910 |
| Tier 1 risk-based capital ratio | 13.9309% | 4,221 |
| Total risk-based capital ratio | 15.1915% | 4,182 |
| Memoranda: | ||
| Average total assets | $337,313,330 | 1,930 |
| Average earning assets | $313,464,670 | 1,896 |
| Average equity | $39,103,670 | 1,717 |
| Average total loans | $267,844,000 | 1,611 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0178% | 3,024 |
| Cost of funding earning assets | 1.4308% | 1,463 |
| Net interest margin | 3.5870% | 4,631 |
| Noninterest income to average assets | 0.6802% | 2,679 |
| Noninterest expense to average assets | 2.7808% | 4,525 |
| Loan and lease loss provision to assets | 0.3560% | 2,419 |
| Net operating income to assets | 0.6071% | 3,996 |
| Return on assets (ROA) | 0.6071% | 4,065 |
| Pretax return on assets | 0.8829% | 3,570 |
| Return on Equity (ROE) | 5.3513% | 4,211 |
| Retained earnings to average equity (ytd only) | 5.3513% | 2,969 |
| Net charge-offs to loans | -0.0149% | 6,478 |
| Credit loss provision to net charge-offs | -3,020.0000% | 6,316 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1789% | 4,439 |
| Assets per employee ($millions) | 4.4496% | 2,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2109% | 1,938 |
| Loan loss allowance to noncurrent loans | 56.0476% | 4,647 |
| Noncurrent assets plus other real estate owned to assets | 3.7007% | 1,829 |
| Noncurrent loans to loans | 3.9447% | 1,856 |
| Net loans and leases to total assets | 78.6740% | 660 |
| Net loans and leases to deposits | 98.9057% | 528 |
| Net loans and leases to core deposits | 114.5341% | 584 |
| Total domestic deposits to total assets | 79.5445% | 6,046 |
| Equity capital to assets | 11.7009% | 2,121 |
| Core capital (leverage) ratio | 11.1456% | 2,076 |
| Tier 1 risk-based capital ratio | 13.8567% | 4,172 |
| Total risk-based capital ratio | 15.1182% | 4,137 |
| Memoranda: | ||
| Average total assets | $339,329,500 | 1,937 |
| Average earning assets | $315,917,500 | 1,892 |
| Average equity | $38,495,500 | 1,731 |
| Average total loans | $268,799,500 | 1,624 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2896% | 3,177 |
| Cost of funding earning assets | 1.7735% | 1,282 |
| Net interest margin | 3.5161% | 5,182 |
| Noninterest income to average assets | 0.8783% | 1,930 |
| Noninterest expense to average assets | 2.7657% | 4,726 |
| Loan and lease loss provision to assets | 0.5858% | 2,790 |
| Net operating income to assets | 0.5441% | 3,915 |
| Return on assets (ROA) | 0.5441% | 4,061 |
| Pretax return on assets | 0.7985% | 3,639 |
| Return on Equity (ROE) | 4.9518% | 4,090 |
| Retained earnings to average equity (ytd only) | 4.9518% | 2,442 |
| Net charge-offs to loans | 0.3359% | 4,332 |
| Credit loss provision to net charge-offs | 214.8590% | 1,407 |
| Earnings coverage of net charge-offs (x) | 5.0770% | 2,717 |
| Efficiency ratio | 66.6429% | 4,832 |
| Assets per employee ($millions) | 4.5992% | 2,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0898% | 2,089 |
| Loan loss allowance to noncurrent loans | 57.8125% | 4,550 |
| Noncurrent assets plus other real estate owned to assets | 3.4429% | 2,026 |
| Noncurrent loans to loans | 3.6148% | 2,072 |
| Net loans and leases to total assets | 76.3869% | 1,208 |
| Net loans and leases to deposits | 95.7025% | 896 |
| Net loans and leases to core deposits | 114.2133% | 720 |
| Total domestic deposits to total assets | 79.8171% | 5,884 |
| Equity capital to assets | 10.9999% | 2,686 |
| Core capital (leverage) ratio | 10.9770% | 2,176 |
| Tier 1 risk-based capital ratio | 13.4427% | 4,260 |
| Total risk-based capital ratio | 14.7023% | 4,218 |
| Memoranda: | ||
| Average total assets | $338,144,600 | 1,932 |
| Average earning assets | $314,635,800 | 1,884 |
| Average equity | $37,158,400 | 1,781 |
| Average total loans | $274,471,600 | 1,629 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3150% | 3,274 |
| Cost of funding earning assets | 1.8293% | 1,307 |
| Net interest margin | 3.4858% | 5,357 |
| Noninterest income to average assets | 0.7442% | 2,554 |
| Noninterest expense to average assets | 2.7245% | 4,776 |
| Loan and lease loss provision to assets | 0.6174% | 2,471 |
| Net operating income to assets | 0.4482% | 4,546 |
| Return on assets (ROA) | 0.4482% | 4,737 |
| Pretax return on assets | 0.6479% | 4,431 |
| Return on Equity (ROE) | 4.0797% | 4,737 |
| Retained earnings to average equity (ytd only) | 4.0797% | 3,600 |
| Net charge-offs to loans | 0.2200% | 4,626 |
| Credit loss provision to net charge-offs | 342.4176% | 931 |
| Earnings coverage of net charge-offs (x) | 7.0176% | 2,401 |
| Efficiency ratio | 68.2857% | 4,411 |
| Assets per employee ($millions) | 4.5295% | 2,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0098% | 2,190 |
| Loan loss allowance to noncurrent loans | 48.7151% | 5,049 |
| Noncurrent assets plus other real estate owned to assets | 3.6798% | 1,941 |
| Noncurrent loans to loans | 4.1257% | 1,788 |
| Net loans and leases to total assets | 82.4463% | 447 |
| Net loans and leases to deposits | 105.8059% | 370 |
| Net loans and leases to core deposits | 129.3942% | 389 |
| Total domestic deposits to total assets | 77.9222% | 6,275 |
| Equity capital to assets | 11.2667% | 2,727 |
| Core capital (leverage) ratio | 10.8590% | 2,360 |
| Tier 1 risk-based capital ratio | 12.8715% | 4,672 |
| Total risk-based capital ratio | 14.1308% | 4,655 |
| Memoranda: | ||
| Average total assets | $336,445,750 | 1,967 |
| Average earning assets | $313,266,750 | 1,926 |
| Average equity | $36,962,250 | 1,807 |
| Average total loans | $275,811,250 | 1,644 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2695% | 3,606 |
| Cost of funding earning assets | 1.9052% | 1,222 |
| Net interest margin | 3.3643% | 5,781 |
| Noninterest income to average assets | 0.5005% | 4,115 |
| Noninterest expense to average assets | 2.6515% | 5,121 |
| Loan and lease loss provision to assets | 0.7225% | 2,016 |
| Net operating income to assets | 0.2149% | 5,513 |
| Return on assets (ROA) | 0.2149% | 5,641 |
| Pretax return on assets | 0.2559% | 5,640 |
| Return on Equity (ROE) | 1.9730% | 5,642 |
| Retained earnings to average equity (ytd only) | 1.9730% | 4,879 |
| Net charge-offs to loans | 0.2813% | 3,932 |
| Credit loss provision to net charge-offs | 316.1039% | 1,155 |
| Earnings coverage of net charge-offs (x) | 4.2805% | 3,003 |
| Efficiency ratio | 73.0455% | 3,651 |
| Assets per employee ($millions) | 4.6119% | 2,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9656% | 2,265 |
| Loan loss allowance to noncurrent loans | 52.2914% | 4,819 |
| Noncurrent assets plus other real estate owned to assets | 3.7195% | 1,878 |
| Noncurrent loans to loans | 3.7590% | 2,067 |
| Net loans and leases to total assets | 81.0610% | 664 |
| Net loans and leases to deposits | 103.2957% | 524 |
| Net loans and leases to core deposits | 120.0916% | 690 |
| Total domestic deposits to total assets | 78.4747% | 6,153 |
| Equity capital to assets | 11.1648% | 2,717 |
| Core capital (leverage) ratio | 10.6618% | 2,489 |
| Tier 1 risk-based capital ratio | 12.7415% | 4,654 |
| Total risk-based capital ratio | 13.9816% | 4,628 |
| Memoranda: | ||
| Average total assets | $336,866,670 | 1,976 |
| Average earning assets | $313,350,000 | 1,945 |
| Average equity | $36,695,000 | 1,812 |
| Average total loans | $273,743,670 | 1,672 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2860% | 3,612 |
| Cost of funding earning assets | 1.9857% | 1,144 |
| Net interest margin | 3.3003% | 5,970 |
| Noninterest income to average assets | 0.4740% | 4,258 |
| Noninterest expense to average assets | 2.6940% | 4,930 |
| Loan and lease loss provision to assets | 1.3405% | 892 |
| Net operating income to assets | -0.2771% | 6,637 |
| Return on assets (ROA) | -0.2771% | 6,695 |
| Pretax return on assets | -0.4822% | 6,765 |
| Return on Equity (ROE) | -2.5750% | 6,708 |
| Retained earnings to average equity (ytd only) | -2.5750% | 6,307 |
| Net charge-offs to loans | 0.3600% | 2,972 |
| Credit loss provision to net charge-offs | 462.1951% | 909 |
| Earnings coverage of net charge-offs (x) | 2.9593% | 3,072 |
| Efficiency ratio | 75.8380% | 3,244 |
| Assets per employee ($millions) | 4.8008% | 2,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0096% | 2,159 |
| Loan loss allowance to noncurrent loans | 64.5528% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 2.9941% | 2,397 |
| Noncurrent loans to loans | 3.1132% | 2,576 |
| Net loans and leases to total assets | 80.3120% | 799 |
| Net loans and leases to deposits | 102.9125% | 596 |
| Net loans and leases to core deposits | 115.9213% | 949 |
| Total domestic deposits to total assets | 78.0391% | 6,308 |
| Equity capital to assets | 10.9862% | 2,775 |
| Core capital (leverage) ratio | 10.4007% | 2,715 |
| Tier 1 risk-based capital ratio | 12.7961% | 4,483 |
| Total risk-based capital ratio | 14.0561% | 4,445 |
| Memoranda: | ||
| Average total assets | $339,270,000 | 2,023 |
| Average earning assets | $316,457,500 | 1,966 |
| Average equity | $36,505,500 | 1,841 |
| Average total loans | $273,331,500 | 1,716 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3669% | 4,853 |
| Cost of funding earning assets | 2.3267% | 1,555 |
| Net interest margin | 3.0402% | 6,543 |
| Noninterest income to average assets | 0.9008% | 1,935 |
| Noninterest expense to average assets | 2.6307% | 5,667 |
| Loan and lease loss provision to assets | 0.4382% | 4,199 |
| Net operating income to assets | 0.4901% | 3,771 |
| Return on assets (ROA) | 0.4901% | 3,872 |
| Pretax return on assets | 0.6819% | 3,638 |
| Return on Equity (ROE) | 4.6771% | 3,807 |
| Retained earnings to average equity (ytd only) | 4.6771% | 1,987 |
| Net charge-offs to loans | 0.2002% | 5,394 |
| Credit loss provision to net charge-offs | 269.0909% | 1,295 |
| Earnings coverage of net charge-offs (x) | 6.8782% | 2,270 |
| Efficiency ratio | 70.1350% | 4,593 |
| Assets per employee ($millions) | 5.1834% | 1,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6590% | 3,051 |
| Loan loss allowance to noncurrent loans | 52.0703% | 4,894 |
| Noncurrent assets plus other real estate owned to assets | 2.6825% | 2,615 |
| Noncurrent loans to loans | 3.1860% | 2,397 |
| Net loans and leases to total assets | 77.9200% | 1,404 |
| Net loans and leases to deposits | 99.2456% | 969 |
| Net loans and leases to core deposits | 134.1194% | 1,046 |
| Total domestic deposits to total assets | 78.5123% | 6,115 |
| Equity capital to assets | 10.5443% | 3,137 |
| Core capital (leverage) ratio | 10.3806% | 2,705 |
| Tier 1 risk-based capital ratio | 12.6515% | 4,401 |
| Total risk-based capital ratio | 13.9058% | 4,333 |
| Memoranda: | ||
| Average total assets | $337,709,200 | 2,014 |
| Average earning assets | $316,588,600 | 1,969 |
| Average equity | $35,385,000 | 1,907 |
| Average total loans | $274,702,600 | 1,752 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4097% | 4,898 |
| Cost of funding earning assets | 2.3973% | 1,643 |
| Net interest margin | 3.0124% | 6,571 |
| Noninterest income to average assets | 1.0056% | 1,586 |
| Noninterest expense to average assets | 2.6693% | 5,459 |
| Loan and lease loss provision to assets | 0.5253% | 3,283 |
| Net operating income to assets | 0.4608% | 4,158 |
| Return on assets (ROA) | 0.4608% | 4,260 |
| Pretax return on assets | 0.6386% | 4,060 |
| Return on Equity (ROE) | 4.4055% | 4,207 |
| Retained earnings to average equity (ytd only) | 4.4055% | 2,809 |
| Net charge-offs to loans | 0.1918% | 4,862 |
| Credit loss provision to net charge-offs | 334.4304% | 1,229 |
| Earnings coverage of net charge-offs (x) | 7.4102% | 2,409 |
| Efficiency ratio | 69.6369% | 4,664 |
| Assets per employee ($millions) | 5.0692% | 2,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6561% | 2,782 |
| Loan loss allowance to noncurrent loans | 58.0723% | 4,482 |
| Noncurrent assets plus other real estate owned to assets | 2.5917% | 2,686 |
| Noncurrent loans to loans | 2.8517% | 2,665 |
| Net loans and leases to total assets | 80.9565% | 991 |
| Net loans and leases to deposits | 104.1562% | 760 |
| Net loans and leases to core deposits | 144.1668% | 758 |
| Total domestic deposits to total assets | 77.7260% | 6,163 |
| Equity capital to assets | 10.8323% | 3,183 |
| Core capital (leverage) ratio | 10.3827% | 2,898 |
| Tier 1 risk-based capital ratio | 12.7117% | 4,385 |
| Total risk-based capital ratio | 13.9668% | 4,330 |
| Memoranda: | ||
| Average total assets | $335,314,750 | 2,047 |
| Average earning assets | $314,735,250 | 2,000 |
| Average equity | $35,076,500 | 1,938 |
| Average total loans | $274,585,500 | 1,770 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4188% | 5,042 |
| Cost of funding earning assets | 2.4572% | 1,759 |
| Net interest margin | 2.9616% | 6,652 |
| Noninterest income to average assets | 1.0573% | 1,418 |
| Noninterest expense to average assets | 2.6052% | 5,720 |
| Loan and lease loss provision to assets | 0.6777% | 2,398 |
| Net operating income to assets | 0.4101% | 4,469 |
| Return on assets (ROA) | 0.4101% | 4,578 |
| Pretax return on assets | 0.5531% | 4,459 |
| Return on Equity (ROE) | 3.9668% | 4,509 |
| Retained earnings to average equity (ytd only) | 3.9668% | 3,077 |
| Net charge-offs to loans | 0.2530% | 3,936 |
| Credit loss provision to net charge-offs | 327.6657% | 1,421 |
| Earnings coverage of net charge-offs (x) | 5.9510% | 2,722 |
| Efficiency ratio | 67.9149% | 5,165 |
| Assets per employee ($millions) | 4.9918% | 2,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6156% | 2,676 |
| Loan loss allowance to noncurrent loans | 67.1166% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 2.2455% | 2,898 |
| Noncurrent loans to loans | 2.4072% | 3,003 |
| Net loans and leases to total assets | 80.5687% | 1,215 |
| Net loans and leases to deposits | 104.4750% | 876 |
| Net loans and leases to core deposits | 147.7938% | 707 |
| Total domestic deposits to total assets | 77.1177% | 6,294 |
| Equity capital to assets | 10.4485% | 3,469 |
| Core capital (leverage) ratio | 10.5089% | 2,805 |
| Tier 1 risk-based capital ratio | 12.7265% | 4,338 |
| Total risk-based capital ratio | 13.9811% | 4,251 |
| Memoranda: | ||
| Average total assets | $335,564,670 | 2,066 |
| Average earning assets | $314,827,670 | 2,025 |
| Average equity | $34,688,330 | 1,954 |
| Average total loans | $274,309,670 | 1,798 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4448% | 5,201 |
| Cost of funding earning assets | 2.5710% | 1,654 |
| Net interest margin | 2.8737% | 6,824 |
| Noninterest income to average assets | 1.0877% | 1,262 |
| Noninterest expense to average assets | 2.3480% | 6,375 |
| Loan and lease loss provision to assets | 1.3709% | 935 |
| Net operating income to assets | 0.1190% | 5,927 |
| Return on assets (ROA) | 0.1190% | 6,089 |
| Pretax return on assets | 0.0690% | 6,234 |
| Return on Equity (ROE) | 1.1574% | 6,080 |
| Retained earnings to average equity (ytd only) | 1.1574% | 5,177 |
| Net charge-offs to loans | 0.4357% | 2,367 |
| Credit loss provision to net charge-offs | 385.2843% | 1,338 |
| Earnings coverage of net charge-offs (x) | 4.0468% | 2,990 |
| Efficiency ratio | 61.9855% | 6,051 |
| Assets per employee ($millions) | 4.8224% | 2,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6460% | 2,324 |
| Loan loss allowance to noncurrent loans | 64.9118% | 4,323 |
| Noncurrent assets plus other real estate owned to assets | 2.1920% | 2,607 |
| Noncurrent loans to loans | 2.5358% | 2,600 |
| Net loans and leases to total assets | 81.7788% | 1,050 |
| Net loans and leases to deposits | 106.9561% | 795 |
| Net loans and leases to core deposits | 154.6906% | 589 |
| Total domestic deposits to total assets | 76.4602% | 6,416 |
| Equity capital to assets | 10.5342% | 3,432 |
| Core capital (leverage) ratio | 10.1800% | 3,213 |
| Tier 1 risk-based capital ratio | 12.8096% | 4,318 |
| Total risk-based capital ratio | 14.0652% | 4,232 |
| Memoranda: | ||
| Average total assets | $336,122,000 | 2,071 |
| Average earning assets | $315,826,500 | 2,022 |
| Average equity | $34,560,000 | 1,968 |
| Average total loans | $274,521,000 | 1,800 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0825% | 5,132 |
| Cost of funding earning assets | 3.2166% | 1,138 |
| Net interest margin | 2.8659% | 7,221 |
| Noninterest income to average assets | 0.5480% | 4,245 |
| Noninterest expense to average assets | 2.2410% | 6,862 |
| Loan and lease loss provision to assets | 0.3574% | 3,541 |
| Net operating income to assets | 0.5225% | 4,640 |
| Return on assets (ROA) | 0.5225% | 4,498 |
| Pretax return on assets | 0.6571% | 4,526 |
| Return on Equity (ROE) | 5.1363% | 4,318 |
| Retained earnings to average equity (ytd only) | 5.1363% | 1,943 |
| Net charge-offs to loans | 0.1859% | 4,340 |
| Credit loss provision to net charge-offs | 232.8713% | 2,042 |
| Earnings coverage of net charge-offs (x) | 6.6099% | 3,323 |
| Efficiency ratio | 68.8358% | 4,572 |
| Assets per employee ($millions) | 4.8496% | 2,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3152% | 3,677 |
| Loan loss allowance to noncurrent loans | 79.4536% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 1.3618% | 3,477 |
| Noncurrent loans to loans | 1.6553% | 3,286 |
| Net loans and leases to total assets | 79.2131% | 1,835 |
| Net loans and leases to deposits | 103.1546% | 1,446 |
| Net loans and leases to core deposits | 150.0476% | 854 |
| Total domestic deposits to total assets | 76.7907% | 6,039 |
| Equity capital to assets | 10.0417% | 3,988 |
| Core capital (leverage) ratio | 10.1160% | 3,346 |
| Tier 1 risk-based capital ratio | 11.7537% | 5,015 |
| Total risk-based capital ratio | 13.0039% | 4,929 |
| Memoranda: | ||
| Average total assets | $329,005,800 | 2,032 |
| Average earning assets | $310,827,600 | 1,961 |
| Average equity | $33,467,600 | 2,022 |
| Average total loans | $271,640,000 | 1,761 |