Home > Pacific Valley Bank > Performance and Condition Ratios
Pacific Valley Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0188% | 3,087 |
| Cost of funding earning assets | 1.7177% | 2,682 |
| Net interest margin | 3.3011% | 2,769 |
| Noninterest income to average assets | 0.3700% | 2,414 |
| Noninterest expense to average assets | 2.5013% | 2,310 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.7253% | 3,039 |
| Return on assets (ROA) | 0.7253% | 3,046 |
| Pretax return on assets | 1.0283% | 2,674 |
| Return on Equity (ROE) | 6.0400% | 3,335 |
| Retained earnings to average equity (ytd only) | 6.0383% | 2,259 |
| Net charge-offs to loans | -0.0172% | 4,049 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 70.8658% | 1,723 |
| Assets per employee ($millions) | 9.2472% | 1,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5539% | 899 |
| Loan loss allowance to noncurrent loans | 5,305.5556% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.0255% | 3,539 |
| Noncurrent loans to loans | 0.0293% | 3,562 |
| Net loans and leases to total assets | 85.8100% | 147 |
| Net loans and leases to deposits | 100.9557% | 379 |
| Net loans and leases to core deposits | 112.5290% | 778 |
| Total domestic deposits to total assets | 84.9900% | 2,625 |
| Equity capital to assets | 13.1067% | 892 |
| Core capital (leverage) ratio | 13.2735% | 993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $609,923,500 | 1,536 |
| Average earning assets | $583,568,000 | 1,493 |
| Average equity | $73,266,000 | 1,313 |
| Average total loans | $488,822,500 | 1,336 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2776% | 2,573 |
| Cost of funding earning assets | 1.9166% | 2,420 |
| Net interest margin | 3.3609% | 2,369 |
| Noninterest income to average assets | 0.2600% | 3,313 |
| Noninterest expense to average assets | 2.2138% | 3,090 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.8890% | 2,425 |
| Return on assets (ROA) | 0.8890% | 2,432 |
| Pretax return on assets | 1.2608% | 1,839 |
| Return on Equity (ROE) | 7.1900% | 2,973 |
| Retained earnings to average equity (ytd only) | 5.9849% | 1,833 |
| Net charge-offs to loans | -0.0231% | 4,193 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 63.7135% | 2,755 |
| Assets per employee ($millions) | 11.7101% | 464 |
| Cash dividends to net income (ytd only)* | 16.7719% | 3,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5677% | 855 |
| Loan loss allowance to noncurrent loans | 4,535.1190% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.0256% | 3,523 |
| Noncurrent loans to loans | 0.0346% | 3,500 |
| Net loans and leases to total assets | 72.9500% | 1,553 |
| Net loans and leases to deposits | 82.4903% | 1,910 |
| Net loans and leases to core deposits | 89.9818% | 2,111 |
| Total domestic deposits to total assets | 88.4300% | 1,352 |
| Equity capital to assets | 11.0710% | 1,557 |
| Core capital (leverage) ratio | 13.3252% | 964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $570,107,600 | 1,604 |
| Average earning assets | $545,381,600 | 1,557 |
| Average equity | $70,477,200 | 1,314 |
| Average total loans | $462,825,800 | 1,378 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4514% | 2,168 |
| Cost of funding earning assets | 1.9630% | 2,310 |
| Net interest margin | 3.4884% | 2,045 |
| Noninterest income to average assets | 0.2800% | 3,175 |
| Noninterest expense to average assets | 2.2851% | 2,853 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.9326% | 2,273 |
| Return on assets (ROA) | 0.9326% | 2,285 |
| Pretax return on assets | 1.3219% | 1,710 |
| Return on Equity (ROE) | 7.3200% | 2,943 |
| Retained earnings to average equity (ytd only) | 6.5058% | 1,908 |
| Net charge-offs to loans | -0.0187% | 4,140 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 63.3522% | 2,783 |
| Assets per employee ($millions) | 10.5991% | 637 |
| Cash dividends to net income (ytd only)* | 11.0735% | 2,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6104% | 816 |
| Loan loss allowance to noncurrent loans | 668.6673% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.2056% | 2,437 |
| Noncurrent loans to loans | 0.2408% | 2,569 |
| Net loans and leases to total assets | 83.9800% | 264 |
| Net loans and leases to deposits | 97.8113% | 604 |
| Net loans and leases to core deposits | 108.7116% | 992 |
| Total domestic deposits to total assets | 85.8600% | 1,982 |
| Equity capital to assets | 13.0872% | 949 |
| Core capital (leverage) ratio | 13.1731% | 1,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $548,692,750 | 1,656 |
| Average earning assets | $523,620,500 | 1,611 |
| Average equity | $69,946,500 | 1,315 |
| Average total loans | $457,034,250 | 1,380 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2848% | 2,379 |
| Cost of funding earning assets | 1.8083% | 2,597 |
| Net interest margin | 3.4764% | 2,010 |
| Noninterest income to average assets | 0.2800% | 3,143 |
| Noninterest expense to average assets | 2.2899% | 2,829 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.9258% | 2,228 |
| Return on assets (ROA) | 0.9258% | 2,232 |
| Pretax return on assets | 1.3116% | 1,670 |
| Return on Equity (ROE) | 7.3300% | 2,926 |
| Retained earnings to average equity (ytd only) | 6.0995% | 1,971 |
| Net charge-offs to loans | -0.0146% | 4,062 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 63.5820% | 2,823 |
| Assets per employee ($millions) | 10.0775% | 715 |
| Cash dividends to net income (ytd only)* | 16.7587% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6551% | 748 |
| Loan loss allowance to noncurrent loans | 749.9006% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.1884% | 2,468 |
| Noncurrent loans to loans | 0.2207% | 2,607 |
| Net loans and leases to total assets | 83.9300% | 293 |
| Net loans and leases to deposits | 97.4115% | 694 |
| Net loans and leases to core deposits | 107.4228% | 1,079 |
| Total domestic deposits to total assets | 86.1600% | 1,927 |
| Equity capital to assets | 13.1474% | 838 |
| Core capital (leverage) ratio | 13.7482% | 868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $547,873,333 | 1,655 |
| Average earning assets | $523,581,000 | 1,607 |
| Average equity | $69,218,667 | 1,317 |
| Average total loans | $452,568,667 | 1,392 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2610% | 2,267 |
| Cost of funding earning assets | 1.7039% | 2,757 |
| Net interest margin | 3.5571% | 1,792 |
| Noninterest income to average assets | 0.2500% | 3,278 |
| Noninterest expense to average assets | 2.2641% | 2,898 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.9821% | 1,981 |
| Return on assets (ROA) | 0.9821% | 1,992 |
| Pretax return on assets | 1.3930% | 1,448 |
| Return on Equity (ROE) | 7.9300% | 2,716 |
| Retained earnings to average equity (ytd only) | 7.9281% | 1,570 |
| Net charge-offs to loans | -0.0009% | 3,435 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 61.9085% | 3,040 |
| Assets per employee ($millions) | 10.2596% | 682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6719% | 718 |
| Loan loss allowance to noncurrent loans | 1,549.0722% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.0927% | 3,011 |
| Noncurrent loans to loans | 0.1079% | 3,073 |
| Net loans and leases to total assets | 84.4400% | 240 |
| Net loans and leases to deposits | 98.1239% | 579 |
| Net loans and leases to core deposits | 108.3383% | 1,011 |
| Total domestic deposits to total assets | 86.0600% | 2,078 |
| Equity capital to assets | 13.2504% | 804 |
| Core capital (leverage) ratio | 13.4847% | 921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $554,757,000 | 1,638 |
| Average earning assets | $530,769,500 | 1,591 |
| Average equity | $68,717,500 | 1,320 |
| Average total loans | $450,946,000 | 1,400 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9572% | 2,158 |
| Cost of funding earning assets | 1.3466% | 2,370 |
| Net interest margin | 3.6107% | 1,946 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 2.2867% | 2,885 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0005% | 2,223 |
| Return on assets (ROA) | 1.0005% | 2,204 |
| Pretax return on assets | 1.4198% | 1,592 |
| Return on Equity (ROE) | 8.4900% | 2,896 |
| Retained earnings to average equity (ytd only) | 8.4874% | 1,396 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 61.6938% | 2,874 |
| Assets per employee ($millions) | 12.2141% | 395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6600% | 739 |
| Loan loss allowance to noncurrent loans | 7,086.7925% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.0181% | 3,625 |
| Noncurrent loans to loans | 0.0234% | 3,577 |
| Net loans and leases to total assets | 75.9100% | 1,129 |
| Net loans and leases to deposits | 86.6831% | 1,561 |
| Net loans and leases to core deposits | 93.8413% | 1,783 |
| Total domestic deposits to total assets | 87.5700% | 1,498 |
| Equity capital to assets | 11.6164% | 1,245 |
| Core capital (leverage) ratio | 13.0226% | 1,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $551,750,800 | 1,608 |
| Average earning assets | $524,748,400 | 1,564 |
| Average equity | $65,037,400 | 1,318 |
| Average total loans | $421,427,200 | 1,421 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8914% | 2,076 |
| Cost of funding earning assets | 1.2672% | 2,232 |
| Net interest margin | 3.6242% | 1,937 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 2.2666% | 2,899 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0234% | 2,290 |
| Return on assets (ROA) | 1.0234% | 2,278 |
| Pretax return on assets | 1.4521% | 1,669 |
| Return on Equity (ROE) | 8.6500% | 3,021 |
| Retained earnings to average equity (ytd only) | 8.6486% | 1,780 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 60.9519% | 2,846 |
| Assets per employee ($millions) | 11.5528% | 425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7540% | 624 |
| Loan loss allowance to noncurrent loans | 770.4615% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.1758% | 2,413 |
| Noncurrent loans to loans | 0.2277% | 2,438 |
| Net loans and leases to total assets | 75.8800% | 1,138 |
| Net loans and leases to deposits | 86.7391% | 1,487 |
| Net loans and leases to core deposits | 93.5009% | 1,705 |
| Total domestic deposits to total assets | 87.4800% | 1,746 |
| Equity capital to assets | 11.8647% | 1,076 |
| Core capital (leverage) ratio | 12.3880% | 1,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $543,119,500 | 1,637 |
| Average earning assets | $515,663,750 | 1,585 |
| Average equity | $64,270,750 | 1,314 |
| Average total loans | $413,651,000 | 1,436 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7482% | 2,111 |
| Cost of funding earning assets | 1.1031% | 2,273 |
| Net interest margin | 3.6451% | 1,925 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 2.2929% | 2,832 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0183% | 2,367 |
| Return on assets (ROA) | 1.0183% | 2,356 |
| Pretax return on assets | 1.4452% | 1,710 |
| Return on Equity (ROE) | 8.6100% | 3,083 |
| Retained earnings to average equity (ytd only) | 8.6131% | 1,786 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.3393% | 2,803 |
| Assets per employee ($millions) | 10.8077% | 533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8292% | 568 |
| Loan loss allowance to noncurrent loans | 752.7054% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.1847% | 2,271 |
| Noncurrent loans to loans | 0.2430% | 2,286 |
| Net loans and leases to total assets | 74.6100% | 1,215 |
| Net loans and leases to deposits | 85.2179% | 1,575 |
| Net loans and leases to core deposits | 91.8418% | 1,695 |
| Total domestic deposits to total assets | 87.5500% | 1,769 |
| Equity capital to assets | 11.9554% | 1,063 |
| Core capital (leverage) ratio | 12.5990% | 1,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $539,314,333 | 1,637 |
| Average earning assets | $510,935,333 | 1,596 |
| Average equity | $63,763,000 | 1,327 |
| Average total loans | $408,775,000 | 1,437 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6647% | 1,939 |
| Cost of funding earning assets | 0.9124% | 2,331 |
| Net interest margin | 3.7524% | 1,788 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 2.3030% | 2,807 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0691% | 2,322 |
| Return on assets (ROA) | 1.0691% | 2,292 |
| Pretax return on assets | 1.5153% | 1,639 |
| Return on Equity (ROE) | 9.0900% | 3,023 |
| Retained earnings to average equity (ytd only) | 9.0935% | 1,921 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.3150% | 2,921 |
| Assets per employee ($millions) | 9.4278% | 817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8487% | 605 |
| Loan loss allowance to noncurrent loans | 753.4604% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.1923% | 2,180 |
| Noncurrent loans to loans | 0.2454% | 2,270 |
| Net loans and leases to total assets | 76.9100% | 880 |
| Net loans and leases to deposits | 88.1315% | 1,196 |
| Net loans and leases to core deposits | 95.9664% | 1,285 |
| Total domestic deposits to total assets | 87.2700% | 2,170 |
| Equity capital to assets | 12.2529% | 930 |
| Core capital (leverage) ratio | 12.4204% | 1,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $538,779,000 | 1,659 |
| Average earning assets | $509,011,500 | 1,625 |
| Average equity | $63,342,000 | 1,340 |
| Average total loans | $407,829,000 | 1,453 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4034% | 878 |
| Cost of funding earning assets | 0.1997% | 3,759 |
| Net interest margin | 4.2036% | 530 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 2.5150% | 2,062 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.1390% | 2,014 |
| Return on assets (ROA) | 1.1390% | 1,962 |
| Pretax return on assets | 1.6319% | 1,079 |
| Return on Equity (ROE) | 10.0100% | 2,799 |
| Retained earnings to average equity (ytd only) | 10.0140% | 1,143 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.9851% | 3,191 |
| Assets per employee ($millions) | 10.5477% | 571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5003% | 1,198 |
| Loan loss allowance to noncurrent loans | 3,266.4894% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.0336% | 3,467 |
| Noncurrent loans to loans | 0.0459% | 3,421 |
| Net loans and leases to total assets | 72.1200% | 1,402 |
| Net loans and leases to deposits | 81.7358% | 1,639 |
| Net loans and leases to core deposits | 85.3728% | 1,792 |
| Total domestic deposits to total assets | 88.2400% | 1,998 |
| Equity capital to assets | 11.2962% | 1,144 |
| Core capital (leverage) ratio | 12.6850% | 1,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $505,607,000 | 1,708 |
| Average earning assets | $477,134,800 | 1,685 |
| Average equity | $57,509,400 | 1,450 |
| Average total loans | $391,029,200 | 1,424 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4069% | 579 |
| Cost of funding earning assets | 0.1137% | 4,171 |
| Net interest margin | 4.2932% | 340 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 2.5425% | 1,886 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.1801% | 1,772 |
| Return on assets (ROA) | 1.1801% | 1,744 |
| Pretax return on assets | 1.6991% | 906 |
| Return on Equity (ROE) | 10.3600% | 2,622 |
| Retained earnings to average equity (ytd only) | 10.3552% | 1,241 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.4678% | 3,331 |
| Assets per employee ($millions) | 9.6883% | 710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4811% | 1,347 |
| Loan loss allowance to noncurrent loans | 2,871.4976% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.0427% | 3,480 |
| Noncurrent loans to loans | 0.0516% | 3,508 |
| Net loans and leases to total assets | 81.6200% | 404 |
| Net loans and leases to deposits | 94.1949% | 630 |
| Net loans and leases to core deposits | 97.3588% | 933 |
| Total domestic deposits to total assets | 86.6500% | 2,870 |
| Equity capital to assets | 12.6916% | 732 |
| Core capital (leverage) ratio | 12.8253% | 956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $492,251,500 | 1,746 |
| Average earning assets | $464,564,750 | 1,727 |
| Average equity | $56,099,500 | 1,496 |
| Average total loans | $386,456,250 | 1,427 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3861% | 448 |
| Cost of funding earning assets | 0.1010% | 4,179 |
| Net interest margin | 4.2851% | 283 |
| Noninterest income to average assets | 0.2752% | 3,517 |
| Noninterest expense to average assets | 2.5757% | 1,711 |
| Loan and lease loss provision to assets | 0.0715% | 1,339 |
| Net operating income to assets | 1.1753% | 1,517 |
| Return on assets (ROA) | 1.1753% | 1,494 |
| Pretax return on assets | 1.6744% | 799 |
| Return on Equity (ROE) | 10.7097% | 2,085 |
| Retained earnings to average equity (ytd only) | 10.7097% | 844 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5997% | 3,347 |
| Assets per employee ($millions) | 9.1427% | 841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5068% | 1,387 |
| Loan loss allowance to noncurrent loans | 1,410.3448% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.0807% | 3,174 |
| Noncurrent loans to loans | 0.1068% | 3,216 |
| Net loans and leases to total assets | 74.4327% | 870 |
| Net loans and leases to deposits | 85.2224% | 1,036 |
| Net loans and leases to core deposits | 88.4245% | 1,199 |
| Total domestic deposits to total assets | 87.3394% | 2,814 |
| Equity capital to assets | 12.0855% | 848 |
| Core capital (leverage) ratio | 12.4442% | 992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $494,864,333 | 1,739 |
| Average earning assets | $467,294,000 | 1,728 |
| Average equity | $54,306,000 | 1,570 |
| Average total loans | $381,499,000 | 1,435 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2948% | 442 |
| Cost of funding earning assets | 0.1042% | 4,077 |
| Net interest margin | 4.1905% | 289 |
| Noninterest income to average assets | 0.2559% | 3,611 |
| Noninterest expense to average assets | 2.6345% | 1,512 |
| Loan and lease loss provision to assets | 0.1442% | 557 |
| Net operating income to assets | 0.9730% | 1,989 |
| Return on assets (ROA) | 0.9730% | 1,987 |
| Pretax return on assets | 1.4407% | 1,149 |
| Return on Equity (ROE) | 9.3513% | 2,197 |
| Retained earnings to average equity (ytd only) | 9.3513% | 1,173 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4372% | 3,213 |
| Assets per employee ($millions) | 8.1767% | 1,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5079% | 1,532 |
| Loan loss allowance to noncurrent loans | 2,308.8710% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.0514% | 3,529 |
| Noncurrent loans to loans | 0.0653% | 3,524 |
| Net loans and leases to total assets | 77.5264% | 410 |
| Net loans and leases to deposits | 88.9005% | 566 |
| Net loans and leases to core deposits | 92.7781% | 783 |
| Total domestic deposits to total assets | 87.2059% | 2,852 |
| Equity capital to assets | 12.2622% | 871 |
| Core capital (leverage) ratio | 12.5716% | 889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $490,871,500 | 1,764 |
| Average earning assets | $464,286,000 | 1,744 |
| Average equity | $51,073,000 | 1,708 |
| Average total loans | $382,243,000 | 1,423 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6592% | 2,226 |
| Cost of funding earning assets | 0.1229% | 4,203 |
| Net interest margin | 3.5364% | 1,634 |
| Noninterest income to average assets | 0.2467% | 3,899 |
| Noninterest expense to average assets | 2.3601% | 2,622 |
| Loan and lease loss provision to assets | 0.0888% | 1,395 |
| Net operating income to assets | 0.7915% | 3,359 |
| Return on assets (ROA) | 0.7915% | 3,427 |
| Pretax return on assets | 1.1454% | 2,829 |
| Return on Equity (ROE) | 9.1409% | 2,859 |
| Retained earnings to average equity (ytd only) | 9.1409% | 1,158 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6621% | 2,309 |
| Assets per employee ($millions) | 8.7600% | 992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4422% | 1,757 |
| Loan loss allowance to noncurrent loans | 700.6313% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.1586% | 2,832 |
| Noncurrent loans to loans | 0.2058% | 2,925 |
| Net loans and leases to total assets | 75.9444% | 525 |
| Net loans and leases to deposits | 83.4979% | 947 |
| Net loans and leases to core deposits | 86.9601% | 1,138 |
| Total domestic deposits to total assets | 90.9537% | 509 |
| Equity capital to assets | 8.6097% | 3,982 |
| Core capital (leverage) ratio | 8.8268% | 3,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $476,338,600 | 1,754 |
| Average earning assets | $450,913,600 | 1,736 |
| Average equity | $41,243,000 | 2,040 |
| Average total loans | $367,654,000 | 1,469 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7161% | 2,231 |
| Cost of funding earning assets | 0.1288% | 4,272 |
| Net interest margin | 3.5873% | 1,630 |
| Noninterest income to average assets | 0.2417% | 3,949 |
| Noninterest expense to average assets | 2.3436% | 2,620 |
| Loan and lease loss provision to assets | 0.0393% | 2,209 |
| Net operating income to assets | 0.8715% | 3,321 |
| Return on assets (ROA) | 0.8715% | 3,395 |
| Pretax return on assets | 1.2517% | 2,766 |
| Return on Equity (ROE) | 10.0505% | 2,723 |
| Retained earnings to average equity (ytd only) | 10.0505% | 1,297 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4789% | 2,319 |
| Assets per employee ($millions) | 9.4677% | 782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4168% | 1,957 |
| Loan loss allowance to noncurrent loans | 647.6015% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.1717% | 2,974 |
| Noncurrent loans to loans | 0.2188% | 3,074 |
| Net loans and leases to total assets | 77.3913% | 437 |
| Net loans and leases to deposits | 85.5427% | 855 |
| Net loans and leases to core deposits | 89.4003% | 1,067 |
| Total domestic deposits to total assets | 90.4709% | 576 |
| Equity capital to assets | 8.9357% | 3,890 |
| Core capital (leverage) ratio | 8.9548% | 3,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $470,593,500 | 1,791 |
| Average earning assets | $445,109,750 | 1,775 |
| Average equity | $40,806,250 | 2,090 |
| Average total loans | $363,379,000 | 1,507 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7422% | 2,225 |
| Cost of funding earning assets | 0.1361% | 4,307 |
| Net interest margin | 3.6061% | 1,580 |
| Noninterest income to average assets | 0.2223% | 4,070 |
| Noninterest expense to average assets | 2.2872% | 2,806 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9552% | 3,047 |
| Return on assets (ROA) | 0.9552% | 3,132 |
| Pretax return on assets | 1.3529% | 2,469 |
| Return on Equity (ROE) | 11.1292% | 2,386 |
| Retained earnings to average equity (ytd only) | 11.1292% | 1,097 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8334% | 2,608 |
| Assets per employee ($millions) | 10.3746% | 548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4131% | 1,916 |
| Loan loss allowance to noncurrent loans | 615.3661% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.1745% | 3,100 |
| Noncurrent loans to loans | 0.2296% | 3,136 |
| Net loans and leases to total assets | 74.9367% | 684 |
| Net loans and leases to deposits | 82.5476% | 1,168 |
| Net loans and leases to core deposits | 86.4521% | 1,385 |
| Total domestic deposits to total assets | 90.7800% | 443 |
| Equity capital to assets | 8.6849% | 4,064 |
| Core capital (leverage) ratio | 8.8789% | 3,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $469,663,333 | 1,786 |
| Average earning assets | $445,136,000 | 1,774 |
| Average equity | $40,308,333 | 2,094 |
| Average total loans | $360,631,000 | 1,520 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7345% | 2,276 |
| Cost of funding earning assets | 0.1501% | 4,301 |
| Net interest margin | 3.5845% | 1,628 |
| Noninterest income to average assets | 0.2035% | 4,166 |
| Noninterest expense to average assets | 2.2341% | 2,997 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9702% | 2,905 |
| Return on assets (ROA) | 0.9702% | 2,998 |
| Pretax return on assets | 1.3737% | 2,353 |
| Return on Equity (ROE) | 11.3742% | 2,238 |
| Retained earnings to average equity (ytd only) | 11.3742% | 1,305 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9229% | 2,770 |
| Assets per employee ($millions) | 8.6451% | 932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3659% | 2,119 |
| Loan loss allowance to noncurrent loans | 600.9379% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.1827% | 3,254 |
| Noncurrent loans to loans | 0.2273% | 3,287 |
| Net loans and leases to total assets | 79.2903% | 382 |
| Net loans and leases to deposits | 87.2889% | 871 |
| Net loans and leases to core deposits | 91.4688% | 1,141 |
| Total domestic deposits to total assets | 90.8366% | 456 |
| Equity capital to assets | 8.6354% | 4,016 |
| Core capital (leverage) ratio | 8.8303% | 3,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $465,879,000 | 1,787 |
| Average earning assets | $442,463,000 | 1,772 |
| Average equity | $39,739,000 | 2,099 |
| Average total loans | $359,572,500 | 1,526 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9933% | 2,749 |
| Cost of funding earning assets | 0.2763% | 4,267 |
| Net interest margin | 3.7170% | 1,738 |
| Noninterest income to average assets | 0.1953% | 4,306 |
| Noninterest expense to average assets | 2.4567% | 2,969 |
| Loan and lease loss provision to assets | 0.1128% | 2,936 |
| Net operating income to assets | 0.8152% | 3,029 |
| Return on assets (ROA) | 0.8152% | 3,153 |
| Pretax return on assets | 1.1532% | 2,504 |
| Return on Equity (ROE) | 8.7007% | 2,518 |
| Retained earnings to average equity (ytd only) | 8.7007% | 851 |
| Net charge-offs to loans | -0.0006% | 3,914 |
| Credit loss provision to net charge-offs | -22,500.0000% | 4,476 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9933% | 2,528 |
| Assets per employee ($millions) | 8.9408% | 754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4907% | 1,618 |
| Loan loss allowance to noncurrent loans | 587.1707% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.1878% | 3,347 |
| Noncurrent loans to loans | 0.2539% | 3,279 |
| Net loans and leases to total assets | 72.8590% | 1,180 |
| Net loans and leases to deposits | 80.0130% | 1,865 |
| Net loans and leases to core deposits | 83.9082% | 2,040 |
| Total domestic deposits to total assets | 91.0590% | 211 |
| Equity capital to assets | 8.4240% | 4,496 |
| Core capital (leverage) ratio | 9.0029% | 3,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $398,903,600 | 1,870 |
| Average earning assets | $378,559,400 | 1,839 |
| Average equity | $37,376,400 | 2,113 |
| Average total loans | $314,691,600 | 1,634 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0615% | 2,788 |
| Cost of funding earning assets | 0.3221% | 4,206 |
| Net interest margin | 3.7395% | 1,796 |
| Noninterest income to average assets | 0.1932% | 4,316 |
| Noninterest expense to average assets | 2.5421% | 2,717 |
| Loan and lease loss provision to assets | 0.0523% | 3,700 |
| Net operating income to assets | 0.8065% | 3,063 |
| Return on assets (ROA) | 0.8065% | 3,183 |
| Pretax return on assets | 1.1408% | 2,595 |
| Return on Equity (ROE) | 8.3509% | 2,669 |
| Retained earnings to average equity (ytd only) | 8.3509% | 1,192 |
| Net charge-offs to loans | -0.0009% | 3,806 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0575% | 2,185 |
| Assets per employee ($millions) | 8.5753% | 818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3943% | 1,758 |
| Loan loss allowance to noncurrent loans | 539.8210% | 987 |
| Noncurrent assets plus other real estate owned to assets | 0.2128% | 3,380 |
| Noncurrent loans to loans | 0.2583% | 3,377 |
| Net loans and leases to total assets | 81.2258% | 501 |
| Net loans and leases to deposits | 89.7339% | 1,294 |
| Net loans and leases to core deposits | 94.9948% | 1,542 |
| Total domestic deposits to total assets | 90.5186% | 279 |
| Equity capital to assets | 9.0940% | 4,038 |
| Core capital (leverage) ratio | 9.1092% | 3,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $382,398,500 | 1,897 |
| Average earning assets | $362,218,750 | 1,875 |
| Average equity | $36,929,250 | 2,121 |
| Average total loans | $307,398,250 | 1,655 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1179% | 3,006 |
| Cost of funding earning assets | 0.3760% | 4,148 |
| Net interest margin | 3.7419% | 2,020 |
| Noninterest income to average assets | 0.1817% | 4,372 |
| Noninterest expense to average assets | 2.6219% | 2,592 |
| Loan and lease loss provision to assets | 0.0811% | 3,269 |
| Net operating income to assets | 0.7215% | 3,315 |
| Return on assets (ROA) | 0.7215% | 3,422 |
| Pretax return on assets | 1.0200% | 2,971 |
| Return on Equity (ROE) | 7.3093% | 3,003 |
| Retained earnings to average equity (ytd only) | 7.3093% | 1,533 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4242% | 1,902 |
| Assets per employee ($millions) | 8.1590% | 916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3964% | 1,596 |
| Loan loss allowance to noncurrent loans | 527.8993% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.2154% | 3,469 |
| Noncurrent loans to loans | 0.2645% | 3,434 |
| Net loans and leases to total assets | 80.3058% | 563 |
| Net loans and leases to deposits | 88.3736% | 1,516 |
| Net loans and leases to core deposits | 93.7395% | 1,765 |
| Total domestic deposits to total assets | 90.8709% | 179 |
| Equity capital to assets | 8.7709% | 4,294 |
| Core capital (leverage) ratio | 9.5187% | 3,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $369,801,667 | 1,921 |
| Average earning assets | $349,983,000 | 1,895 |
| Average equity | $36,501,667 | 2,129 |
| Average total loans | $294,488,333 | 1,689 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3711% | 2,715 |
| Cost of funding earning assets | 0.4720% | 4,061 |
| Net interest margin | 3.8992% | 1,676 |
| Noninterest income to average assets | 0.1833% | 4,448 |
| Noninterest expense to average assets | 2.7872% | 2,465 |
| Loan and lease loss provision to assets | 0.0876% | 2,594 |
| Net operating income to assets | 0.6994% | 3,271 |
| Return on assets (ROA) | 0.6994% | 3,346 |
| Pretax return on assets | 0.9937% | 2,862 |
| Return on Equity (ROE) | 6.6286% | 3,094 |
| Retained earnings to average equity (ytd only) | 6.6286% | 1,673 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0495% | 2,069 |
| Assets per employee ($millions) | 7.1093% | 1,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7773% | 742 |
| Loan loss allowance to noncurrent loans | 508.5653% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.2795% | 3,329 |
| Noncurrent loans to loans | 0.3495% | 3,235 |
| Net loans and leases to total assets | 78.5624% | 894 |
| Net loans and leases to deposits | 88.5379% | 1,688 |
| Net loans and leases to core deposits | 95.9782% | 1,792 |
| Total domestic deposits to total assets | 88.7331% | 792 |
| Equity capital to assets | 10.9105% | 2,936 |
| Core capital (leverage) ratio | 10.5021% | 2,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7831% | 1,977 |
| Memoranda: | ||
| Average total assets | $342,568,500 | 1,990 |
| Average earning assets | $323,760,000 | 1,958 |
| Average equity | $36,146,500 | 2,136 |
| Average total loans | $268,964,000 | 1,762 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6009% | 2,611 |
| Cost of funding earning assets | 0.6706% | 3,312 |
| Net interest margin | 3.9303% | 2,069 |
| Noninterest income to average assets | 0.1733% | 4,623 |
| Noninterest expense to average assets | 2.7114% | 2,853 |
| Loan and lease loss provision to assets | 0.0228% | 3,562 |
| Net operating income to assets | 0.8177% | 3,500 |
| Return on assets (ROA) | 0.8177% | 3,591 |
| Pretax return on assets | 1.1625% | 2,975 |
| Return on Equity (ROE) | 7.8046% | 3,246 |
| Retained earnings to average equity (ytd only) | 7.8046% | 1,041 |
| Net charge-offs to loans | -0.0095% | 4,459 |
| Credit loss provision to net charge-offs | -312.5000% | 4,360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5819% | 2,239 |
| Assets per employee ($millions) | 7.1633% | 984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7272% | 752 |
| Loan loss allowance to noncurrent loans | 489.5288% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.2721% | 3,338 |
| Noncurrent loans to loans | 0.3528% | 3,185 |
| Net loans and leases to total assets | 75.7826% | 1,452 |
| Net loans and leases to deposits | 84.7661% | 2,240 |
| Net loans and leases to core deposits | 89.5085% | 2,465 |
| Total domestic deposits to total assets | 89.4020% | 525 |
| Equity capital to assets | 10.2100% | 3,722 |
| Core capital (leverage) ratio | 10.6724% | 2,790 |
| Tier 1 risk-based capital ratio | 13.1094% | 3,739 |
| Total risk-based capital ratio | 14.3652% | 3,617 |
| Memoranda: | ||
| Average total assets | $328,348,400 | 1,994 |
| Average earning assets | $311,071,800 | 1,964 |
| Average equity | $34,402,600 | 2,172 |
| Average total loans | $251,722,400 | 1,819 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6262% | 2,639 |
| Cost of funding earning assets | 0.6789% | 3,317 |
| Net interest margin | 3.9473% | 2,111 |
| Noninterest income to average assets | 0.1777% | 4,655 |
| Noninterest expense to average assets | 2.7316% | 2,780 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8297% | 3,577 |
| Return on assets (ROA) | 0.8297% | 3,660 |
| Pretax return on assets | 1.1792% | 3,046 |
| Return on Equity (ROE) | 7.8641% | 3,365 |
| Retained earnings to average equity (ytd only) | 7.8641% | 1,459 |
| Net charge-offs to loans | -0.0092% | 4,350 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8468% | 2,137 |
| Assets per employee ($millions) | 7.2414% | 934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8205% | 653 |
| Loan loss allowance to noncurrent loans | 470.6967% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.2868% | 3,406 |
| Noncurrent loans to loans | 0.3868% | 3,164 |
| Net loans and leases to total assets | 72.7947% | 2,037 |
| Net loans and leases to deposits | 81.6263% | 2,735 |
| Net loans and leases to core deposits | 87.6788% | 2,764 |
| Total domestic deposits to total assets | 89.1804% | 560 |
| Equity capital to assets | 10.3245% | 3,696 |
| Core capital (leverage) ratio | 10.7365% | 2,900 |
| Tier 1 risk-based capital ratio | 13.6442% | 3,507 |
| Total risk-based capital ratio | 14.9011% | 3,408 |
| Memoranda: | ||
| Average total assets | $322,685,500 | 2,028 |
| Average earning assets | $305,179,250 | 1,999 |
| Average equity | $34,044,000 | 2,204 |
| Average total loans | $246,985,000 | 1,854 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6181% | 2,619 |
| Cost of funding earning assets | 0.6692% | 3,319 |
| Net interest margin | 3.9489% | 2,096 |
| Noninterest income to average assets | 0.1768% | 4,687 |
| Noninterest expense to average assets | 2.8258% | 2,500 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7715% | 3,747 |
| Return on assets (ROA) | 0.7715% | 3,814 |
| Pretax return on assets | 1.0915% | 3,259 |
| Return on Equity (ROE) | 7.2567% | 3,579 |
| Retained earnings to average equity (ytd only) | 7.2567% | 1,699 |
| Net charge-offs to loans | -0.0090% | 4,289 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1354% | 1,902 |
| Assets per employee ($millions) | 6.6943% | 1,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8868% | 577 |
| Loan loss allowance to noncurrent loans | 428.6916% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.3330% | 3,202 |
| Noncurrent loans to loans | 0.4401% | 2,947 |
| Net loans and leases to total assets | 74.2320% | 1,851 |
| Net loans and leases to deposits | 83.5652% | 2,536 |
| Net loans and leases to core deposits | 90.0989% | 2,591 |
| Total domestic deposits to total assets | 88.8312% | 734 |
| Equity capital to assets | 10.6839% | 3,358 |
| Core capital (leverage) ratio | 10.8486% | 2,747 |
| Tier 1 risk-based capital ratio | 13.7434% | 3,456 |
| Total risk-based capital ratio | 15.0009% | 3,347 |
| Memoranda: | ||
| Average total assets | $316,799,000 | 2,071 |
| Average earning assets | $300,082,000 | 2,038 |
| Average equity | $33,679,000 | 2,215 |
| Average total loans | $245,197,670 | 1,872 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5692% | 2,639 |
| Cost of funding earning assets | 0.6658% | 3,228 |
| Net interest margin | 3.9035% | 2,179 |
| Noninterest income to average assets | 0.1666% | 4,740 |
| Noninterest expense to average assets | 2.8932% | 2,293 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6969% | 3,944 |
| Return on assets (ROA) | 0.6969% | 3,984 |
| Pretax return on assets | 0.9792% | 3,512 |
| Return on Equity (ROE) | 6.5720% | 3,813 |
| Retained earnings to average equity (ytd only) | 6.5720% | 2,211 |
| Net charge-offs to loans | -0.0097% | 4,217 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7126% | 1,646 |
| Assets per employee ($millions) | 6.2939% | 1,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8797% | 609 |
| Loan loss allowance to noncurrent loans | 277.5288% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.5353% | 2,495 |
| Noncurrent loans to loans | 0.6773% | 2,324 |
| Net loans and leases to total assets | 77.5549% | 1,229 |
| Net loans and leases to deposits | 87.5178% | 1,933 |
| Net loans and leases to core deposits | 95.6842% | 1,955 |
| Total domestic deposits to total assets | 88.6161% | 1,029 |
| Equity capital to assets | 10.9053% | 2,946 |
| Core capital (leverage) ratio | 11.1047% | 2,471 |
| Tier 1 risk-based capital ratio | 13.6718% | 3,510 |
| Total risk-based capital ratio | 14.9296% | 3,415 |
| Memoranda: | ||
| Average total assets | $314,536,000 | 2,097 |
| Average earning assets | $298,605,500 | 2,057 |
| Average equity | $33,353,500 | 2,229 |
| Average total loans | $246,240,000 | 1,883 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6434% | 2,007 |
| Cost of funding earning assets | 0.3944% | 4,016 |
| Net interest margin | 4.2490% | 1,283 |
| Noninterest income to average assets | 0.3681% | 3,633 |
| Noninterest expense to average assets | 3.0354% | 1,976 |
| Loan and lease loss provision to assets | 0.0887% | 2,368 |
| Net operating income to assets | 0.8717% | 3,528 |
| Return on assets (ROA) | 0.8717% | 3,523 |
| Pretax return on assets | 1.2245% | 2,796 |
| Return on Equity (ROE) | 7.7460% | 3,552 |
| Retained earnings to average equity (ytd only) | 7.7460% | 1,353 |
| Net charge-offs to loans | -0.0111% | 4,524 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,728 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8008% | 2,220 |
| Assets per employee ($millions) | 6.9711% | 983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8398% | 637 |
| Loan loss allowance to noncurrent loans | 268.7023% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.5311% | 2,468 |
| Noncurrent loans to loans | 0.6847% | 2,275 |
| Net loans and leases to total assets | 76.1347% | 1,587 |
| Net loans and leases to deposits | 85.2552% | 2,380 |
| Net loans and leases to core deposits | 92.1221% | 2,392 |
| Total domestic deposits to total assets | 89.3021% | 735 |
| Equity capital to assets | 10.3143% | 3,361 |
| Core capital (leverage) ratio | 11.1319% | 2,412 |
| Tier 1 risk-based capital ratio | 13.1269% | 3,774 |
| Total risk-based capital ratio | 14.3844% | 3,656 |
| Memoranda: | ||
| Average total assets | $281,739,200 | 2,260 |
| Average earning assets | $263,944,000 | 2,236 |
| Average equity | $31,706,600 | 2,238 |
| Average total loans | $225,829,600 | 1,983 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5652% | 2,086 |
| Cost of funding earning assets | 0.3407% | 4,243 |
| Net interest margin | 4.2245% | 1,298 |
| Noninterest income to average assets | 0.4436% | 3,212 |
| Noninterest expense to average assets | 3.0371% | 1,911 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9573% | 3,276 |
| Return on assets (ROA) | 0.9573% | 3,289 |
| Pretax return on assets | 1.3445% | 2,450 |
| Return on Equity (ROE) | 8.3022% | 3,416 |
| Retained earnings to average equity (ytd only) | 8.3022% | 1,513 |
| Net charge-offs to loans | -0.0115% | 4,438 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3142% | 2,302 |
| Assets per employee ($millions) | 6.2537% | 1,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8762% | 628 |
| Loan loss allowance to noncurrent loans | 248.7047% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 0.6172% | 2,330 |
| Noncurrent loans to loans | 0.7544% | 2,200 |
| Net loans and leases to total assets | 80.2822% | 975 |
| Net loans and leases to deposits | 91.2925% | 1,720 |
| Net loans and leases to core deposits | 97.1115% | 2,010 |
| Total domestic deposits to total assets | 87.9396% | 1,258 |
| Equity capital to assets | 11.5327% | 2,241 |
| Core capital (leverage) ratio | 11.5563% | 2,133 |
| Tier 1 risk-based capital ratio | 13.8587% | 3,439 |
| Total risk-based capital ratio | 15.1166% | 3,342 |
| Memoranda: | ||
| Average total assets | $272,006,250 | 2,325 |
| Average earning assets | $253,561,500 | 2,328 |
| Average equity | $31,364,500 | 2,263 |
| Average total loans | $220,107,500 | 2,032 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5319% | 1,991 |
| Cost of funding earning assets | 0.2689% | 4,640 |
| Net interest margin | 4.2630% | 1,129 |
| Noninterest income to average assets | 0.2068% | 4,772 |
| Noninterest expense to average assets | 3.0989% | 1,786 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7639% | 3,980 |
| Return on assets (ROA) | 0.7639% | 3,986 |
| Pretax return on assets | 1.0704% | 3,433 |
| Return on Equity (ROE) | 6.6256% | 4,016 |
| Retained earnings to average equity (ytd only) | 6.6256% | 2,246 |
| Net charge-offs to loans | -0.0111% | 4,348 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3265% | 1,660 |
| Assets per employee ($millions) | 5.8194% | 1,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8885% | 647 |
| Loan loss allowance to noncurrent loans | 775.7194% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.4449% | 2,950 |
| Noncurrent loans to loans | 0.2435% | 3,830 |
| Net loans and leases to total assets | 83.7044% | 490 |
| Net loans and leases to deposits | 101.9478% | 664 |
| Net loans and leases to core deposits | 105.5515% | 1,270 |
| Total domestic deposits to total assets | 82.1052% | 3,684 |
| Equity capital to assets | 11.7781% | 2,006 |
| Core capital (leverage) ratio | 11.7429% | 1,878 |
| Tier 1 risk-based capital ratio | 13.6508% | 3,530 |
| Total risk-based capital ratio | 14.9092% | 3,444 |
| Memoranda: | ||
| Average total assets | $268,869,670 | 2,358 |
| Average earning assets | $249,916,670 | 2,361 |
| Average equity | $31,001,000 | 2,288 |
| Average total loans | $216,727,670 | 2,064 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4064% | 2,177 |
| Cost of funding earning assets | 0.2317% | 4,822 |
| Net interest margin | 4.1747% | 1,232 |
| Noninterest income to average assets | 0.2019% | 4,818 |
| Noninterest expense to average assets | 3.1055% | 1,811 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6977% | 4,109 |
| Return on assets (ROA) | 0.6977% | 4,116 |
| Pretax return on assets | 0.9753% | 3,619 |
| Return on Equity (ROE) | 6.1164% | 4,118 |
| Retained earnings to average equity (ytd only) | 6.1164% | 2,657 |
| Net charge-offs to loans | -0.0114% | 4,307 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1004% | 1,582 |
| Assets per employee ($millions) | 5.7682% | 1,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0385% | 497 |
| Loan loss allowance to noncurrent loans | 759.6120% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.4530% | 3,031 |
| Noncurrent loans to loans | 0.2684% | 3,810 |
| Net loans and leases to total assets | 78.0048% | 1,236 |
| Net loans and leases to deposits | 97.1791% | 926 |
| Net loans and leases to core deposits | 100.2378% | 1,674 |
| Total domestic deposits to total assets | 80.2691% | 4,372 |
| Equity capital to assets | 11.6728% | 2,010 |
| Core capital (leverage) ratio | 11.6708% | 1,876 |
| Tier 1 risk-based capital ratio | 14.2059% | 3,279 |
| Total risk-based capital ratio | 15.4654% | 3,195 |
| Memoranda: | ||
| Average total assets | $269,458,500 | 2,374 |
| Average earning assets | $250,362,500 | 2,374 |
| Average equity | $30,737,000 | 2,320 |
| Average total loans | $210,900,000 | 2,107 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4511% | 1,876 |
| Cost of funding earning assets | 0.1220% | 5,401 |
| Net interest margin | 4.3291% | 909 |
| Noninterest income to average assets | 0.2084% | 4,895 |
| Noninterest expense to average assets | 3.5057% | 1,024 |
| Loan and lease loss provision to assets | -0.3954% | 5,632 |
| Net operating income to assets | 0.6207% | 3,929 |
| Return on assets (ROA) | 0.6207% | 3,967 |
| Pretax return on assets | 1.1228% | 3,096 |
| Return on Equity (ROE) | 5.2949% | 4,044 |
| Retained earnings to average equity (ytd only) | 5.2949% | 1,936 |
| Net charge-offs to loans | -0.9958% | 5,628 |
| Credit loss provision to net charge-offs | 53.1915% | 3,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8150% | 869 |
| Assets per employee ($millions) | 5.9474% | 1,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0426% | 494 |
| Loan loss allowance to noncurrent loans | 453.1085% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.5790% | 2,620 |
| Noncurrent loans to loans | 0.4508% | 3,162 |
| Net loans and leases to total assets | 75.3774% | 1,699 |
| Net loans and leases to deposits | 85.3577% | 2,336 |
| Net loans and leases to core deposits | 87.2615% | 2,792 |
| Total domestic deposits to total assets | 88.3077% | 1,341 |
| Equity capital to assets | 11.1491% | 2,489 |
| Core capital (leverage) ratio | 11.0700% | 2,269 |
| Tier 1 risk-based capital ratio | 13.6793% | 3,531 |
| Total risk-based capital ratio | 14.9400% | 3,442 |
| Memoranda: | ||
| Average total assets | $252,934,400 | 2,472 |
| Average earning assets | $235,155,000 | 2,459 |
| Average equity | $29,651,000 | 2,385 |
| Average total loans | $188,794,000 | 2,251 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4629% | 1,750 |
| Cost of funding earning assets | 0.1228% | 5,461 |
| Net interest margin | 4.3401% | 836 |
| Noninterest income to average assets | 0.2077% | 4,966 |
| Noninterest expense to average assets | 3.3600% | 1,225 |
| Loan and lease loss provision to assets | -0.3229% | 5,697 |
| Net operating income to assets | 0.7281% | 3,830 |
| Return on assets (ROA) | 0.7281% | 3,899 |
| Pretax return on assets | 1.2021% | 2,903 |
| Return on Equity (ROE) | 6.1279% | 4,067 |
| Retained earnings to average equity (ytd only) | 6.1279% | 2,153 |
| Net charge-offs to loans | -1.1074% | 5,689 |
| Credit loss provision to net charge-offs | 39.3959% | 3,001 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2587% | 1,184 |
| Assets per employee ($millions) | 5.6881% | 1,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3608% | 316 |
| Loan loss allowance to noncurrent loans | 254.4815% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 0.6669% | 2,502 |
| Noncurrent loans to loans | 0.9277% | 2,069 |
| Net loans and leases to total assets | 70.1893% | 2,526 |
| Net loans and leases to deposits | 79.9890% | 2,978 |
| Net loans and leases to core deposits | 81.8195% | 3,304 |
| Total domestic deposits to total assets | 87.7487% | 1,498 |
| Equity capital to assets | 11.8313% | 2,089 |
| Core capital (leverage) ratio | 11.2057% | 2,270 |
| Tier 1 risk-based capital ratio | 14.7065% | 3,062 |
| Total risk-based capital ratio | 15.9692% | 2,986 |
| Memoranda: | ||
| Average total assets | $247,772,500 | 2,523 |
| Average earning assets | $230,159,750 | 2,515 |
| Average equity | $29,438,250 | 2,411 |
| Average total loans | $183,362,750 | 2,306 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1503% | 2,665 |
| Cost of funding earning assets | 0.1173% | 5,526 |
| Net interest margin | 4.0330% | 1,507 |
| Noninterest income to average assets | 0.2089% | 5,001 |
| Noninterest expense to average assets | 3.3709% | 1,226 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3559% | 5,080 |
| Return on assets (ROA) | 0.3559% | 5,104 |
| Pretax return on assets | 0.5705% | 4,861 |
| Return on Equity (ROE) | 2.9908% | 5,124 |
| Retained earnings to average equity (ytd only) | 2.9908% | 3,937 |
| Net charge-offs to loans | -0.0426% | 5,103 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5250% | 730 |
| Assets per employee ($millions) | 5.4411% | 1,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8959% | 726 |
| Loan loss allowance to noncurrent loans | 97.6023% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 1.3573% | 1,176 |
| Noncurrent loans to loans | 1.9425% | 884 |
| Net loans and leases to total assets | 68.5514% | 2,732 |
| Net loans and leases to deposits | 77.5453% | 3,160 |
| Net loans and leases to core deposits | 79.4437% | 3,463 |
| Total domestic deposits to total assets | 88.4016% | 1,256 |
| Equity capital to assets | 11.2450% | 2,551 |
| Core capital (leverage) ratio | 11.5988% | 1,897 |
| Tier 1 risk-based capital ratio | 14.2905% | 3,271 |
| Total risk-based capital ratio | 15.5481% | 3,188 |
| Memoranda: | ||
| Average total assets | $245,041,670 | 2,554 |
| Average earning assets | $226,776,330 | 2,566 |
| Average equity | $29,156,330 | 2,426 |
| Average total loans | $183,149,000 | 2,316 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1931% | 2,299 |
| Cost of funding earning assets | 0.1172% | 5,579 |
| Net interest margin | 4.0759% | 1,283 |
| Noninterest income to average assets | 0.2161% | 4,973 |
| Noninterest expense to average assets | 3.3337% | 1,323 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3984% | 4,946 |
| Return on assets (ROA) | 0.3984% | 4,972 |
| Pretax return on assets | 0.6397% | 4,629 |
| Return on Equity (ROE) | 3.2496% | 5,036 |
| Retained earnings to average equity (ytd only) | 3.2496% | 3,809 |
| Net charge-offs to loans | -0.0414% | 5,091 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8997% | 978 |
| Assets per employee ($millions) | 5.1084% | 2,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9148% | 765 |
| Loan loss allowance to noncurrent loans | 94.9489% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 1.5761% | 988 |
| Noncurrent loans to loans | 2.0166% | 882 |
| Net loans and leases to total assets | 76.6562% | 1,315 |
| Net loans and leases to deposits | 88.2430% | 1,764 |
| Net loans and leases to core deposits | 90.7254% | 2,292 |
| Total domestic deposits to total assets | 86.8695% | 2,281 |
| Equity capital to assets | 12.6885% | 1,412 |
| Core capital (leverage) ratio | 12.4950% | 1,342 |
| Tier 1 risk-based capital ratio | 14.2409% | 3,340 |
| Total risk-based capital ratio | 15.4985% | 3,253 |
| Memoranda: | ||
| Average total assets | $236,975,000 | 2,645 |
| Average earning assets | $218,454,500 | 2,654 |
| Average equity | $29,050,000 | 2,441 |
| Average total loans | $183,474,000 | 2,332 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0344% | 3,079 |
| Cost of funding earning assets | 0.1614% | 5,348 |
| Net interest margin | 3.8730% | 2,053 |
| Noninterest income to average assets | 0.3388% | 4,313 |
| Noninterest expense to average assets | 3.0801% | 2,096 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5231% | 4,535 |
| Return on assets (ROA) | 0.5231% | 4,622 |
| Pretax return on assets | 0.8523% | 4,002 |
| Return on Equity (ROE) | 4.6150% | 4,614 |
| Retained earnings to average equity (ytd only) | 4.6150% | 2,629 |
| Net charge-offs to loans | -0.1154% | 5,627 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3257% | 1,650 |
| Assets per employee ($millions) | 5.5471% | 1,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8265% | 904 |
| Loan loss allowance to noncurrent loans | 103.2599% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 1.3574% | 1,278 |
| Noncurrent loans to loans | 1.7689% | 1,081 |
| Net loans and leases to total assets | 75.3348% | 1,625 |
| Net loans and leases to deposits | 85.7980% | 2,206 |
| Net loans and leases to core deposits | 88.0406% | 2,673 |
| Total domestic deposits to total assets | 87.8049% | 1,738 |
| Equity capital to assets | 11.8538% | 1,902 |
| Core capital (leverage) ratio | 11.2799% | 2,098 |
| Tier 1 risk-based capital ratio | 13.3365% | 3,872 |
| Total risk-based capital ratio | 14.5960% | 3,775 |
| Memoranda: | ||
| Average total assets | $249,084,800 | 2,512 |
| Average earning assets | $231,115,000 | 2,509 |
| Average equity | $28,234,000 | 2,498 |
| Average total loans | $171,523,400 | 2,399 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9487% | 3,432 |
| Cost of funding earning assets | 0.1706% | 5,345 |
| Net interest margin | 3.7781% | 2,415 |
| Noninterest income to average assets | 0.3574% | 4,226 |
| Noninterest expense to average assets | 3.1493% | 1,902 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4469% | 4,882 |
| Return on assets (ROA) | 0.4469% | 4,967 |
| Pretax return on assets | 0.7222% | 4,549 |
| Return on Equity (ROE) | 3.9867% | 4,904 |
| Retained earnings to average equity (ytd only) | 3.9867% | 3,469 |
| Net charge-offs to loans | -0.1353% | 5,667 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3454% | 1,268 |
| Assets per employee ($millions) | 5.6583% | 1,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8552% | 918 |
| Loan loss allowance to noncurrent loans | 97.1093% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 1.4034% | 1,327 |
| Noncurrent loans to loans | 1.9104% | 1,043 |
| Net loans and leases to total assets | 72.0963% | 2,176 |
| Net loans and leases to deposits | 81.8156% | 2,757 |
| Net loans and leases to core deposits | 84.3897% | 3,089 |
| Total domestic deposits to total assets | 88.1205% | 1,345 |
| Equity capital to assets | 11.4344% | 2,567 |
| Core capital (leverage) ratio | 10.8196% | 2,660 |
| Tier 1 risk-based capital ratio | 13.2325% | 4,016 |
| Total risk-based capital ratio | 14.4920% | 3,922 |
| Memoranda: | ||
| Average total assets | $250,337,750 | 2,508 |
| Average earning assets | $232,847,750 | 2,497 |
| Average equity | $28,059,500 | 2,529 |
| Average total loans | $167,581,000 | 2,441 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9240% | 3,528 |
| Cost of funding earning assets | 0.1838% | 5,288 |
| Net interest margin | 3.7402% | 2,550 |
| Noninterest income to average assets | 0.3708% | 4,093 |
| Noninterest expense to average assets | 3.1428% | 1,948 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4450% | 4,885 |
| Return on assets (ROA) | 0.4450% | 4,975 |
| Pretax return on assets | 0.7161% | 4,572 |
| Return on Equity (ROE) | 3.9967% | 4,914 |
| Retained earnings to average equity (ytd only) | 3.9967% | 3,360 |
| Net charge-offs to loans | -0.1108% | 5,657 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4424% | 1,335 |
| Assets per employee ($millions) | 5.0793% | 2,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0159% | 711 |
| Loan loss allowance to noncurrent loans | 159.2023% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 0.8536% | 2,452 |
| Noncurrent loans to loans | 1.2662% | 1,802 |
| Net loans and leases to total assets | 66.0498% | 3,075 |
| Net loans and leases to deposits | 75.0812% | 3,473 |
| Net loans and leases to core deposits | 77.4662% | 3,689 |
| Total domestic deposits to total assets | 87.9711% | 1,444 |
| Equity capital to assets | 11.5613% | 2,482 |
| Core capital (leverage) ratio | 10.7959% | 2,656 |
| Tier 1 risk-based capital ratio | 14.8985% | 3,118 |
| Total risk-based capital ratio | 16.1608% | 3,058 |
| Memoranda: | ||
| Average total assets | $250,794,670 | 2,523 |
| Average earning assets | $233,893,670 | 2,508 |
| Average equity | $27,923,330 | 2,539 |
| Average total loans | $162,478,330 | 2,503 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0077% | 3,200 |
| Cost of funding earning assets | 0.2073% | 5,133 |
| Net interest margin | 3.8004% | 2,283 |
| Noninterest income to average assets | 0.2438% | 4,993 |
| Noninterest expense to average assets | 2.9651% | 2,502 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5112% | 4,586 |
| Return on assets (ROA) | 0.5112% | 4,693 |
| Pretax return on assets | 0.8258% | 4,120 |
| Return on Equity (ROE) | 4.6777% | 4,637 |
| Retained earnings to average equity (ytd only) | 4.6777% | 3,132 |
| Net charge-offs to loans | -0.1733% | 5,811 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2158% | 1,869 |
| Assets per employee ($millions) | 5.3936% | 1,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0631% | 737 |
| Loan loss allowance to noncurrent loans | 127.6357% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 1.0399% | 2,133 |
| Noncurrent loans to loans | 1.6164% | 1,425 |
| Net loans and leases to total assets | 63.0073% | 3,386 |
| Net loans and leases to deposits | 71.3598% | 3,711 |
| Net loans and leases to core deposits | 74.0508% | 3,895 |
| Total domestic deposits to total assets | 88.2953% | 1,472 |
| Equity capital to assets | 11.2670% | 2,658 |
| Core capital (leverage) ratio | 10.5115% | 2,949 |
| Tier 1 risk-based capital ratio | 14.8839% | 3,206 |
| Total risk-based capital ratio | 16.1465% | 3,141 |
| Memoranda: | ||
| Average total assets | $254,290,000 | 2,506 |
| Average earning assets | $237,343,000 | 2,484 |
| Average equity | $27,791,500 | 2,542 |
| Average total loans | $161,545,000 | 2,510 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8933% | 3,729 |
| Cost of funding earning assets | 0.3255% | 3,960 |
| Net interest margin | 3.5678% | 3,248 |
| Noninterest income to average assets | 0.2344% | 5,191 |
| Noninterest expense to average assets | 2.8465% | 3,047 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4080% | 5,030 |
| Return on assets (ROA) | 0.4272% | 5,045 |
| Pretax return on assets | 0.7372% | 4,412 |
| Return on Equity (ROE) | 3.9442% | 4,969 |
| Retained earnings to average equity (ytd only) | 3.9442% | 3,230 |
| Net charge-offs to loans | 0.2920% | 1,043 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 3.6008% | 3,702 |
| Efficiency ratio | 80.0991% | 1,662 |
| Assets per employee ($millions) | 5.9199% | 1,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9722% | 839 |
| Loan loss allowance to noncurrent loans | 99.6600% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 1.2420% | 1,729 |
| Noncurrent loans to loans | 1.9789% | 1,063 |
| Net loans and leases to total assets | 61.5217% | 3,625 |
| Net loans and leases to deposits | 69.1243% | 4,015 |
| Net loans and leases to core deposits | 71.8533% | 4,146 |
| Total domestic deposits to total assets | 89.0016% | 1,115 |
| Equity capital to assets | 10.6072% | 3,236 |
| Core capital (leverage) ratio | 10.1465% | 3,325 |
| Tier 1 risk-based capital ratio | 14.3019% | 3,546 |
| Total risk-based capital ratio | 15.5691% | 3,453 |
| Memoranda: | ||
| Average total assets | $249,991,000 | 2,508 |
| Average earning assets | $232,580,400 | 2,485 |
| Average equity | $27,077,400 | 2,541 |
| Average total loans | $168,173,000 | 2,374 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9216% | 3,679 |
| Cost of funding earning assets | 0.3529% | 3,723 |
| Net interest margin | 3.5686% | 3,274 |
| Noninterest income to average assets | 0.2388% | 5,223 |
| Noninterest expense to average assets | 2.9246% | 2,766 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3870% | 5,208 |
| Return on assets (ROA) | 0.4129% | 5,209 |
| Pretax return on assets | 0.6737% | 4,768 |
| Return on Equity (ROE) | 3.7911% | 5,105 |
| Retained earnings to average equity (ytd only) | 3.7911% | 3,769 |
| Net charge-offs to loans | 0.4094% | 627 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 2.2596% | 3,697 |
| Efficiency ratio | 82.1997% | 1,367 |
| Assets per employee ($millions) | 5.6458% | 1,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9748% | 952 |
| Loan loss allowance to noncurrent loans | 66.4517% | 4,507 |
| Noncurrent assets plus other real estate owned to assets | 1.9355% | 1,076 |
| Noncurrent loans to loans | 2.9718% | 599 |
| Net loans and leases to total assets | 63.8414% | 3,331 |
| Net loans and leases to deposits | 72.1334% | 3,749 |
| Net loans and leases to core deposits | 75.1723% | 3,888 |
| Total domestic deposits to total assets | 88.5047% | 1,297 |
| Equity capital to assets | 11.0006% | 3,028 |
| Core capital (leverage) ratio | 10.0758% | 3,532 |
| Tier 1 risk-based capital ratio | 13.8357% | 3,949 |
| Total risk-based capital ratio | 15.0925% | 3,884 |
| Memoranda: | ||
| Average total assets | $247,370,250 | 2,545 |
| Average earning assets | $230,072,250 | 2,526 |
| Average equity | $26,939,500 | 2,564 |
| Average total loans | $169,348,250 | 2,373 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9570% | 3,464 |
| Cost of funding earning assets | 0.3689% | 3,612 |
| Net interest margin | 3.5881% | 3,137 |
| Noninterest income to average assets | 0.2073% | 5,442 |
| Noninterest expense to average assets | 2.9892% | 2,588 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3401% | 5,325 |
| Return on assets (ROA) | 0.3789% | 5,323 |
| Pretax return on assets | 0.6259% | 4,906 |
| Return on Equity (ROE) | 3.4912% | 5,233 |
| Retained earnings to average equity (ytd only) | 3.4912% | 3,819 |
| Net charge-offs to loans | 0.6121% | 384 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 1.3270% | 3,537 |
| Efficiency ratio | 84.1002% | 1,256 |
| Assets per employee ($millions) | 5.4510% | 1,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8111% | 1,347 |
| Loan loss allowance to noncurrent loans | 75.0471% | 4,346 |
| Noncurrent assets plus other real estate owned to assets | 2.0658% | 1,049 |
| Noncurrent loans to loans | 2.4133% | 939 |
| Net loans and leases to total assets | 68.9303% | 2,496 |
| Net loans and leases to deposits | 77.5669% | 3,086 |
| Net loans and leases to core deposits | 81.8422% | 3,195 |
| Total domestic deposits to total assets | 88.8656% | 1,208 |
| Equity capital to assets | 10.7798% | 3,134 |
| Core capital (leverage) ratio | 10.2835% | 3,235 |
| Tier 1 risk-based capital ratio | 12.9363% | 4,551 |
| Total risk-based capital ratio | 14.1918% | 4,469 |
| Memoranda: | ||
| Average total assets | $247,022,330 | 2,567 |
| Average earning assets | $230,428,670 | 2,539 |
| Average equity | $26,810,330 | 2,580 |
| Average total loans | $171,869,000 | 2,356 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9519% | 3,409 |
| Cost of funding earning assets | 0.3837% | 3,478 |
| Net interest margin | 3.5682% | 3,132 |
| Noninterest income to average assets | 0.1615% | 5,773 |
| Noninterest expense to average assets | 3.0706% | 2,363 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2545% | 5,551 |
| Return on assets (ROA) | 0.3328% | 5,411 |
| Pretax return on assets | 0.5662% | 5,003 |
| Return on Equity (ROE) | 3.0561% | 5,349 |
| Retained earnings to average equity (ytd only) | 3.0561% | 4,145 |
| Net charge-offs to loans | 1.3758% | 147 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 0.4658% | 3,050 |
| Efficiency ratio | 87.3723% | 1,071 |
| Assets per employee ($millions) | 4.8446% | 2,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8854% | 1,313 |
| Loan loss allowance to noncurrent loans | 83.9142% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 1.9639% | 1,222 |
| Noncurrent loans to loans | 2.2468% | 1,112 |
| Net loans and leases to total assets | 68.6141% | 2,344 |
| Net loans and leases to deposits | 77.6463% | 2,854 |
| Net loans and leases to core deposits | 82.3147% | 2,932 |
| Total domestic deposits to total assets | 88.3675% | 1,617 |
| Equity capital to assets | 11.2757% | 2,676 |
| Core capital (leverage) ratio | 10.5095% | 2,947 |
| Tier 1 risk-based capital ratio | 13.5389% | 4,307 |
| Total risk-based capital ratio | 14.7949% | 4,217 |
| Memoranda: | ||
| Average total assets | $245,160,500 | 2,596 |
| Average earning assets | $230,368,500 | 2,549 |
| Average equity | $26,700,500 | 2,609 |
| Average total loans | $169,789,500 | 2,366 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2873% | 2,653 |
| Cost of funding earning assets | 0.4608% | 3,064 |
| Net interest margin | 3.8264% | 2,524 |
| Noninterest income to average assets | 0.2094% | 5,608 |
| Noninterest expense to average assets | 3.1776% | 2,268 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3464% | 5,389 |
| Return on assets (ROA) | 0.3464% | 5,457 |
| Pretax return on assets | 0.6021% | 4,931 |
| Return on Equity (ROE) | 2.9745% | 5,488 |
| Retained earnings to average equity (ytd only) | 2.9745% | 4,125 |
| Net charge-offs to loans | 0.5360% | 760 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 1.5095% | 4,403 |
| Efficiency ratio | 84.0706% | 1,403 |
| Assets per employee ($millions) | 5.3816% | 1,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1398% | 901 |
| Loan loss allowance to noncurrent loans | 72.5816% | 4,440 |
| Noncurrent assets plus other real estate owned to assets | 2.8668% | 740 |
| Noncurrent loans to loans | 2.9481% | 769 |
| Net loans and leases to total assets | 67.1535% | 2,702 |
| Net loans and leases to deposits | 75.3239% | 3,276 |
| Net loans and leases to core deposits | 79.4583% | 3,355 |
| Total domestic deposits to total assets | 89.1529% | 1,144 |
| Equity capital to assets | 10.5300% | 3,440 |
| Core capital (leverage) ratio | 9.9485% | 3,644 |
| Tier 1 risk-based capital ratio | 13.0970% | 4,658 |
| Total risk-based capital ratio | 14.3580% | 4,575 |
| Memoranda: | ||
| Average total assets | $224,884,800 | 2,737 |
| Average earning assets | $209,829,800 | 2,711 |
| Average equity | $26,189,600 | 2,555 |
| Average total loans | $167,336,600 | 2,347 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4186% | 2,163 |
| Cost of funding earning assets | 0.4744% | 3,011 |
| Net interest margin | 3.9442% | 2,057 |
| Noninterest income to average assets | 0.1836% | 5,822 |
| Noninterest expense to average assets | 3.4221% | 1,607 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2460% | 5,740 |
| Return on assets (ROA) | 0.2460% | 5,805 |
| Pretax return on assets | 0.4351% | 5,514 |
| Return on Equity (ROE) | 2.0553% | 5,828 |
| Retained earnings to average equity (ytd only) | 2.0553% | 5,028 |
| Net charge-offs to loans | 0.1834% | 1,991 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 3.1185% | 3,738 |
| Efficiency ratio | 88.7197% | 941 |
| Assets per employee ($millions) | 5.2398% | 1,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5307% | 624 |
| Loan loss allowance to noncurrent loans | 75.7649% | 4,303 |
| Noncurrent assets plus other real estate owned to assets | 2.5439% | 1,021 |
| Noncurrent loans to loans | 3.3402% | 741 |
| Net loans and leases to total assets | 73.2192% | 1,643 |
| Net loans and leases to deposits | 83.2268% | 2,261 |
| Net loans and leases to core deposits | 87.8070% | 2,451 |
| Total domestic deposits to total assets | 87.9754% | 1,783 |
| Equity capital to assets | 11.4069% | 2,575 |
| Core capital (leverage) ratio | 9.9419% | 3,752 |
| Tier 1 risk-based capital ratio | 12.4177% | 5,213 |
| Total risk-based capital ratio | 13.6832% | 5,138 |
| Memoranda: | ||
| Average total assets | $217,872,500 | 2,829 |
| Average earning assets | $202,923,750 | 2,796 |
| Average equity | $26,078,500 | 2,569 |
| Average total loans | $165,778,750 | 2,386 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4092% | 2,148 |
| Cost of funding earning assets | 0.4756% | 3,060 |
| Net interest margin | 3.9336% | 2,032 |
| Noninterest income to average assets | 0.1648% | 5,965 |
| Noninterest expense to average assets | 3.4899% | 1,496 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1863% | 5,874 |
| Return on assets (ROA) | 0.1863% | 5,921 |
| Pretax return on assets | 0.3295% | 5,727 |
| Return on Equity (ROE) | 1.5305% | 5,945 |
| Retained earnings to average equity (ytd only) | 1.5305% | 5,131 |
| Net charge-offs to loans | -0.0331% | 5,722 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3725% | 810 |
| Assets per employee ($millions) | 5.0850% | 2,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7249% | 518 |
| Loan loss allowance to noncurrent loans | 75.5621% | 4,326 |
| Noncurrent assets plus other real estate owned to assets | 2.7791% | 944 |
| Noncurrent loans to loans | 3.6062% | 723 |
| Net loans and leases to total assets | 74.0004% | 1,444 |
| Net loans and leases to deposits | 84.2553% | 2,012 |
| Net loans and leases to core deposits | 89.0995% | 2,204 |
| Total domestic deposits to total assets | 87.8288% | 2,013 |
| Equity capital to assets | 11.6652% | 2,265 |
| Core capital (leverage) ratio | 10.5663% | 2,867 |
| Tier 1 risk-based capital ratio | 12.2802% | 5,367 |
| Total risk-based capital ratio | 13.5470% | 5,283 |
| Memoranda: | ||
| Average total assets | $213,645,670 | 2,878 |
| Average earning assets | $198,494,000 | 2,853 |
| Average equity | $26,005,000 | 2,565 |
| Average total loans | $163,307,670 | 2,413 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3223% | 2,438 |
| Cost of funding earning assets | 0.4728% | 3,199 |
| Net interest margin | 3.8495% | 2,271 |
| Noninterest income to average assets | 0.1400% | 6,138 |
| Noninterest expense to average assets | 3.3941% | 1,716 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2090% | 5,776 |
| Return on assets (ROA) | 0.2090% | 5,830 |
| Pretax return on assets | 0.3682% | 5,546 |
| Return on Equity (ROE) | 1.6797% | 5,877 |
| Retained earnings to average equity (ytd only) | 1.6797% | 4,942 |
| Net charge-offs to loans | -0.0375% | 5,685 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2141% | 1,015 |
| Assets per employee ($millions) | 5.0174% | 2,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8980% | 485 |
| Loan loss allowance to noncurrent loans | 75.5142% | 4,315 |
| Noncurrent assets plus other real estate owned to assets | 3.0168% | 949 |
| Noncurrent loans to loans | 3.8376% | 722 |
| Net loans and leases to total assets | 75.3495% | 1,084 |
| Net loans and leases to deposits | 86.7106% | 1,503 |
| Net loans and leases to core deposits | 91.6879% | 1,764 |
| Total domestic deposits to total assets | 86.8977% | 2,871 |
| Equity capital to assets | 12.6439% | 1,498 |
| Core capital (leverage) ratio | 10.7492% | 2,656 |
| Tier 1 risk-based capital ratio | 13.2620% | 4,852 |
| Total risk-based capital ratio | 14.5312% | 4,768 |
| Memoranda: | ||
| Average total assets | $208,597,500 | 2,952 |
| Average earning assets | $196,286,000 | 2,893 |
| Average equity | $25,957,500 | 2,557 |
| Average total loans | $159,857,500 | 2,461 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6792% | 1,626 |
| Cost of funding earning assets | 0.5140% | 3,461 |
| Net interest margin | 4.1652% | 1,456 |
| Noninterest income to average assets | 0.2187% | 5,771 |
| Noninterest expense to average assets | 3.2502% | 2,281 |
| Loan and lease loss provision to assets | 0.7070% | 322 |
| Net operating income to assets | 2.4038% | 189 |
| Return on assets (ROA) | 2.4038% | 191 |
| Pretax return on assets | 0.1899% | 5,961 |
| Return on Equity (ROE) | 20.9124% | 242 |
| Retained earnings to average equity (ytd only) | 20.9124% | 74 |
| Net charge-offs to loans | 0.1212% | 3,601 |
| Credit loss provision to net charge-offs | 752.6882% | 326 |
| Earnings coverage of net charge-offs (x) | 9.5484% | 2,489 |
| Efficiency ratio | 78.3731% | 2,411 |
| Assets per employee ($millions) | 5.1581% | 2,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8803% | 537 |
| Loan loss allowance to noncurrent loans | 111.1620% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 1.9614% | 1,839 |
| Noncurrent loans to loans | 2.5911% | 1,445 |
| Net loans and leases to total assets | 73.5165% | 1,431 |
| Net loans and leases to deposits | 84.1301% | 1,924 |
| Net loans and leases to core deposits | 88.7739% | 2,155 |
| Total domestic deposits to total assets | 87.3843% | 2,532 |
| Equity capital to assets | 12.2492% | 1,652 |
| Core capital (leverage) ratio | 10.9385% | 2,446 |
| Tier 1 risk-based capital ratio | 13.7043% | 4,518 |
| Total risk-based capital ratio | 14.9659% | 4,454 |
| Memoranda: | ||
| Average total assets | $198,020,400 | 3,055 |
| Average earning assets | $186,763,000 | 2,999 |
| Average equity | $22,761,600 | 2,852 |
| Average total loans | $153,510,000 | 2,511 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8740% | 1,177 |
| Cost of funding earning assets | 0.5145% | 3,626 |
| Net interest margin | 4.3595% | 969 |
| Noninterest income to average assets | 0.2349% | 5,751 |
| Noninterest expense to average assets | 3.3241% | 2,019 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0247% | 2,279 |
| Return on assets (ROA) | 1.0247% | 2,361 |
| Pretax return on assets | 1.0254% | 3,398 |
| Return on Equity (ROE) | 9.0765% | 2,596 |
| Retained earnings to average equity (ytd only) | 9.0765% | 1,035 |
| Net charge-offs to loans | -0.0316% | 6,178 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4252% | 2,665 |
| Assets per employee ($millions) | 4.9739% | 2,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2149% | 1,305 |
| Loan loss allowance to noncurrent loans | 94.7034% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 1.7776% | 2,305 |
| Noncurrent loans to loans | 2.3387% | 1,876 |
| Net loans and leases to total assets | 74.3222% | 1,244 |
| Net loans and leases to deposits | 84.0432% | 1,872 |
| Net loans and leases to core deposits | 89.4258% | 2,028 |
| Total domestic deposits to total assets | 88.4333% | 1,872 |
| Equity capital to assets | 11.1067% | 2,657 |
| Core capital (leverage) ratio | 11.4997% | 2,042 |
| Tier 1 risk-based capital ratio | 14.3437% | 4,190 |
| Total risk-based capital ratio | 15.6050% | 4,127 |
| Memoranda: | ||
| Average total assets | $194,654,750 | 3,121 |
| Average earning assets | $183,718,250 | 3,060 |
| Average equity | $21,975,750 | 2,967 |
| Average total loans | $151,866,000 | 2,545 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9802% | 936 |
| Cost of funding earning assets | 0.5123% | 3,785 |
| Net interest margin | 4.4678% | 757 |
| Noninterest income to average assets | 0.2485% | 5,674 |
| Noninterest expense to average assets | 3.3483% | 1,942 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1328% | 1,804 |
| Return on assets (ROA) | 1.1328% | 1,918 |
| Pretax return on assets | 1.1338% | 2,958 |
| Return on Equity (ROE) | 9.9766% | 2,207 |
| Retained earnings to average equity (ytd only) | 9.9766% | 845 |
| Net charge-offs to loans | -0.0716% | 6,389 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7030% | 2,989 |
| Assets per employee ($millions) | 5.1120% | 1,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1970% | 1,428 |
| Loan loss allowance to noncurrent loans | 103.4783% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 1.7168% | 2,537 |
| Noncurrent loans to loans | 2.1231% | 2,255 |
| Net loans and leases to total assets | 79.0864% | 628 |
| Net loans and leases to deposits | 89.7770% | 1,172 |
| Net loans and leases to core deposits | 95.3850% | 1,410 |
| Total domestic deposits to total assets | 88.0920% | 2,180 |
| Equity capital to assets | 11.4565% | 2,335 |
| Core capital (leverage) ratio | 12.0520% | 1,584 |
| Tier 1 risk-based capital ratio | 13.9985% | 4,429 |
| Total risk-based capital ratio | 15.2600% | 4,382 |
| Memoranda: | ||
| Average total assets | $191,562,670 | 3,173 |
| Average earning assets | $181,520,000 | 3,098 |
| Average equity | $21,751,000 | 3,015 |
| Average total loans | $150,821,670 | 2,559 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2696% | 537 |
| Cost of funding earning assets | 0.5156% | 3,922 |
| Net interest margin | 4.7540% | 438 |
| Noninterest income to average assets | 0.1283% | 6,451 |
| Noninterest expense to average assets | 3.3520% | 1,950 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2722% | 1,346 |
| Return on assets (ROA) | 1.2722% | 1,448 |
| Pretax return on assets | 1.2743% | 2,315 |
| Return on Equity (ROE) | 11.2563% | 1,632 |
| Retained earnings to average equity (ytd only) | 11.2563% | 823 |
| Net charge-offs to loans | -0.0894% | 6,397 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4545% | 3,528 |
| Assets per employee ($millions) | 4.9060% | 2,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3846% | 1,269 |
| Loan loss allowance to noncurrent loans | 103.6567% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 1.9933% | 2,357 |
| Noncurrent loans to loans | 2.3005% | 2,275 |
| Net loans and leases to total assets | 75.3154% | 922 |
| Net loans and leases to deposits | 85.6800% | 1,385 |
| Net loans and leases to core deposits | 91.6394% | 1,538 |
| Total domestic deposits to total assets | 87.9031% | 2,381 |
| Equity capital to assets | 11.6903% | 2,259 |
| Core capital (leverage) ratio | 11.9263% | 1,611 |
| Tier 1 risk-based capital ratio | 15.2320% | 3,689 |
| Total risk-based capital ratio | 16.4966% | 3,635 |
| Memoranda: | ||
| Average total assets | $190,216,000 | 3,221 |
| Average earning assets | $179,976,000 | 3,146 |
| Average equity | $21,499,000 | 3,079 |
| Average total loans | $147,692,000 | 2,622 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0796% | 1,352 |
| Cost of funding earning assets | 0.6183% | 4,192 |
| Net interest margin | 4.4613% | 1,021 |
| Noninterest income to average assets | 0.2366% | 5,757 |
| Noninterest expense to average assets | 3.3426% | 2,211 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.0764% | 2,029 |
| Return on assets (ROA) | 1.0764% | 2,218 |
| Pretax return on assets | 1.1074% | 3,132 |
| Return on Equity (ROE) | 9.4267% | 2,434 |
| Retained earnings to average equity (ytd only) | 9.4267% | 713 |
| Net charge-offs to loans | 0.1009% | 4,659 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 14.1079% | 1,763 |
| Efficiency ratio | 75.1142% | 2,892 |
| Assets per employee ($millions) | 5.1054% | 2,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2416% | 1,475 |
| Loan loss allowance to noncurrent loans | 109.8642% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 1.8036% | 2,708 |
| Noncurrent loans to loans | 2.0403% | 2,654 |
| Net loans and leases to total assets | 76.3634% | 870 |
| Net loans and leases to deposits | 86.0995% | 1,501 |
| Net loans and leases to core deposits | 92.2385% | 1,617 |
| Total domestic deposits to total assets | 88.6920% | 1,774 |
| Equity capital to assets | 10.9297% | 3,037 |
| Core capital (leverage) ratio | 11.5710% | 1,828 |
| Tier 1 risk-based capital ratio | 13.9105% | 4,440 |
| Total risk-based capital ratio | 15.1732% | 4,403 |
| Memoranda: | ||
| Average total assets | $177,079,800 | 3,346 |
| Average earning assets | $167,238,200 | 3,267 |
| Average equity | $20,219,200 | 3,178 |
| Average total loans | $137,807,600 | 2,742 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1657% | 1,264 |
| Cost of funding earning assets | 0.6390% | 4,289 |
| Net interest margin | 4.5267% | 942 |
| Noninterest income to average assets | 0.2638% | 5,669 |
| Noninterest expense to average assets | 3.4056% | 1,991 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0969% | 2,102 |
| Return on assets (ROA) | 1.0969% | 2,302 |
| Pretax return on assets | 1.1262% | 3,248 |
| Return on Equity (ROE) | 9.4926% | 2,593 |
| Retained earnings to average equity (ytd only) | 9.4926% | 1,067 |
| Net charge-offs to loans | -0.0447% | 6,676 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1489% | 2,803 |
| Assets per employee ($millions) | 4.9160% | 2,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6028% | 1,078 |
| Loan loss allowance to noncurrent loans | 210.8299% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 1.1900% | 3,909 |
| Noncurrent loans to loans | 1.2346% | 3,988 |
| Net loans and leases to total assets | 75.7375% | 1,010 |
| Net loans and leases to deposits | 86.2819% | 1,570 |
| Net loans and leases to core deposits | 93.1246% | 1,673 |
| Total domestic deposits to total assets | 87.7792% | 2,185 |
| Equity capital to assets | 11.7292% | 2,505 |
| Core capital (leverage) ratio | 11.8337% | 1,756 |
| Tier 1 risk-based capital ratio | 15.2894% | 3,654 |
| Total risk-based capital ratio | 16.5576% | 3,597 |
| Memoranda: | ||
| Average total assets | $172,848,750 | 3,440 |
| Average earning assets | $162,969,500 | 3,366 |
| Average equity | $19,973,000 | 3,241 |
| Average total loans | $134,373,250 | 2,833 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1538% | 1,365 |
| Cost of funding earning assets | 0.6524% | 4,422 |
| Net interest margin | 4.5013% | 990 |
| Noninterest income to average assets | 0.1925% | 6,177 |
| Noninterest expense to average assets | 3.5294% | 1,723 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8689% | 3,047 |
| Return on assets (ROA) | 0.8689% | 3,313 |
| Pretax return on assets | 0.8958% | 4,093 |
| Return on Equity (ROE) | 7.5591% | 3,474 |
| Retained earnings to average equity (ytd only) | 7.5591% | 1,836 |
| Net charge-offs to loans | -0.0600% | 6,715 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7575% | 2,222 |
| Assets per employee ($millions) | 4.8579% | 2,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6822% | 1,060 |
| Loan loss allowance to noncurrent loans | 167.5410% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 1.3392% | 3,761 |
| Noncurrent loans to loans | 1.6009% | 3,509 |
| Net loans and leases to total assets | 76.3310% | 929 |
| Net loans and leases to deposits | 87.0344% | 1,473 |
| Net loans and leases to core deposits | 94.1986% | 1,586 |
| Total domestic deposits to total assets | 87.7020% | 2,333 |
| Equity capital to assets | 11.8169% | 2,298 |
| Core capital (leverage) ratio | 12.1383% | 1,529 |
| Tier 1 risk-based capital ratio | 14.7073% | 3,959 |
| Total risk-based capital ratio | 15.9748% | 3,910 |
| Memoranda: | ||
| Average total assets | $171,472,670 | 3,477 |
| Average earning assets | $161,241,330 | 3,400 |
| Average equity | $19,711,330 | 3,260 |
| Average total loans | $133,291,000 | 2,869 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1456% | 1,444 |
| Cost of funding earning assets | 0.6796% | 4,468 |
| Net interest margin | 4.4659% | 1,077 |
| Noninterest income to average assets | 0.1185% | 6,664 |
| Noninterest expense to average assets | 3.5750% | 1,615 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7201% | 3,781 |
| Return on assets (ROA) | 0.7201% | 4,003 |
| Pretax return on assets | 0.7410% | 4,644 |
| Return on Equity (ROE) | 6.3521% | 4,116 |
| Retained earnings to average equity (ytd only) | 6.3521% | 2,772 |
| Net charge-offs to loans | -1.7530% | 7,246 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8310% | 1,823 |
| Assets per employee ($millions) | 4.3735% | 3,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1675% | 705 |
| Loan loss allowance to noncurrent loans | 95.2612% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 2.8238% | 2,073 |
| Noncurrent loans to loans | 3.3251% | 1,915 |
| Net loans and leases to total assets | 75.8036% | 823 |
| Net loans and leases to deposits | 87.6262% | 1,217 |
| Net loans and leases to core deposits | 95.0929% | 1,368 |
| Total domestic deposits to total assets | 86.5079% | 3,240 |
| Equity capital to assets | 11.8356% | 2,156 |
| Core capital (leverage) ratio | 11.9286% | 1,627 |
| Tier 1 risk-based capital ratio | 14.6439% | 3,989 |
| Total risk-based capital ratio | 15.8764% | 3,961 |
| Memoranda: | ||
| Average total assets | $172,195,000 | 3,487 |
| Average earning assets | $161,848,500 | 3,410 |
| Average equity | $19,521,000 | 3,283 |
| Average total loans | $133,256,000 | 2,882 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0777% | 2,539 |
| Cost of funding earning assets | 0.7832% | 4,984 |
| Net interest margin | 4.2945% | 1,715 |
| Noninterest income to average assets | 0.1451% | 6,422 |
| Noninterest expense to average assets | 3.3354% | 2,403 |
| Loan and lease loss provision to assets | 0.1532% | 4,709 |
| Net operating income to assets | 0.6926% | 3,523 |
| Return on assets (ROA) | 0.6926% | 3,712 |
| Pretax return on assets | 0.6984% | 4,325 |
| Return on Equity (ROE) | 6.3745% | 3,704 |
| Retained earnings to average equity (ytd only) | 6.3745% | 1,818 |
| Net charge-offs to loans | 0.9054% | 1,917 |
| Credit loss provision to net charge-offs | 22.7663% | 5,883 |
| Earnings coverage of net charge-offs (x) | 1.2655% | 4,833 |
| Efficiency ratio | 79.6603% | 2,354 |
| Assets per employee ($millions) | 4.6894% | 2,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5929% | 1,204 |
| Loan loss allowance to noncurrent loans | 69.9012% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 3.1145% | 1,917 |
| Noncurrent loans to loans | 3.7094% | 1,699 |
| Net loans and leases to total assets | 74.5656% | 1,164 |
| Net loans and leases to deposits | 85.1521% | 1,784 |
| Net loans and leases to core deposits | 91.8088% | 1,907 |
| Total domestic deposits to total assets | 87.5676% | 2,433 |
| Equity capital to assets | 10.8712% | 3,120 |
| Core capital (leverage) ratio | 11.0385% | 2,245 |
| Tier 1 risk-based capital ratio | 13.1418% | 4,960 |
| Total risk-based capital ratio | 14.4066% | 4,932 |
| Memoranda: | ||
| Average total assets | $172,962,800 | 3,443 |
| Average earning assets | $162,790,200 | 3,350 |
| Average equity | $18,793,600 | 3,313 |
| Average total loans | $128,559,800 | 3,006 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0745% | 2,736 |
| Cost of funding earning assets | 0.8015% | 5,138 |
| Net interest margin | 4.2731% | 1,815 |
| Noninterest income to average assets | 0.2641% | 5,728 |
| Noninterest expense to average assets | 3.3819% | 2,244 |
| Loan and lease loss provision to assets | 0.2058% | 3,959 |
| Net operating income to assets | 0.6820% | 3,701 |
| Return on assets (ROA) | 0.6820% | 3,874 |
| Pretax return on assets | 0.7099% | 4,436 |
| Return on Equity (ROE) | 6.2772% | 3,890 |
| Retained earnings to average equity (ytd only) | 6.2772% | 2,384 |
| Net charge-offs to loans | 1.0342% | 1,546 |
| Credit loss provision to net charge-offs | 26.9857% | 5,460 |
| Earnings coverage of net charge-offs (x) | 1.2006% | 4,725 |
| Efficiency ratio | 78.6915% | 2,443 |
| Assets per employee ($millions) | 4.6974% | 2,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9244% | 916 |
| Loan loss allowance to noncurrent loans | 69.8011% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 3.4309% | 1,840 |
| Noncurrent loans to loans | 4.1896% | 1,568 |
| Net loans and leases to total assets | 71.0294% | 1,899 |
| Net loans and leases to deposits | 81.3286% | 2,480 |
| Net loans and leases to core deposits | 88.0253% | 2,487 |
| Total domestic deposits to total assets | 87.3363% | 2,451 |
| Equity capital to assets | 10.9785% | 3,171 |
| Core capital (leverage) ratio | 10.9257% | 2,455 |
| Tier 1 risk-based capital ratio | 13.4901% | 4,740 |
| Total risk-based capital ratio | 14.7581% | 4,698 |
| Memoranda: | ||
| Average total assets | $171,654,500 | 3,487 |
| Average earning assets | $162,033,500 | 3,385 |
| Average equity | $18,649,000 | 3,330 |
| Average total loans | $126,597,250 | 3,069 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0770% | 2,789 |
| Cost of funding earning assets | 0.8103% | 5,301 |
| Net interest margin | 4.2666% | 1,782 |
| Noninterest income to average assets | 0.3452% | 5,119 |
| Noninterest expense to average assets | 3.3837% | 2,308 |
| Loan and lease loss provision to assets | 0.1755% | 4,169 |
| Net operating income to assets | 0.7277% | 3,398 |
| Return on assets (ROA) | 0.7277% | 3,516 |
| Pretax return on assets | 0.8272% | 3,919 |
| Return on Equity (ROE) | 6.7225% | 3,575 |
| Retained earnings to average equity (ytd only) | 6.7225% | 2,004 |
| Net charge-offs to loans | 1.4667% | 1,018 |
| Credit loss provision to net charge-offs | 16.1812% | 5,187 |
| Earnings coverage of net charge-offs (x) | 0.9245% | 4,610 |
| Efficiency ratio | 77.1406% | 2,836 |
| Assets per employee ($millions) | 4.9353% | 2,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9382% | 948 |
| Loan loss allowance to noncurrent loans | 55.8882% | 4,683 |
| Noncurrent assets plus other real estate owned to assets | 4.0044% | 1,599 |
| Noncurrent loans to loans | 5.2573% | 1,222 |
| Net loans and leases to total assets | 69.9752% | 2,225 |
| Net loans and leases to deposits | 80.0489% | 2,788 |
| Net loans and leases to core deposits | 86.9909% | 2,762 |
| Total domestic deposits to total assets | 87.4156% | 2,512 |
| Equity capital to assets | 10.9033% | 3,058 |
| Core capital (leverage) ratio | 10.9817% | 2,267 |
| Tier 1 risk-based capital ratio | 13.6561% | 4,411 |
| Total risk-based capital ratio | 14.9241% | 4,374 |
| Memoranda: | ||
| Average total assets | $170,938,000 | 3,517 |
| Average earning assets | $161,907,000 | 3,406 |
| Average equity | $18,505,000 | 3,334 |
| Average total loans | $126,406,000 | 3,100 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2507% | 2,046 |
| Cost of funding earning assets | 0.8237% | 5,440 |
| Net interest margin | 4.4271% | 1,222 |
| Noninterest income to average assets | 0.1129% | 6,849 |
| Noninterest expense to average assets | 3.3169% | 2,508 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8633% | 2,731 |
| Return on assets (ROA) | 0.8633% | 2,794 |
| Pretax return on assets | 0.9810% | 3,202 |
| Return on Equity (ROE) | 8.0041% | 2,914 |
| Retained earnings to average equity (ytd only) | 8.0041% | 1,732 |
| Net charge-offs to loans | 0.2984% | 2,855 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 4.3895% | 2,491 |
| Efficiency ratio | 77.1757% | 2,957 |
| Assets per employee ($millions) | 4.6600% | 2,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4642% | 625 |
| Loan loss allowance to noncurrent loans | 78.3857% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 4.1702% | 1,582 |
| Noncurrent loans to loans | 4.4194% | 1,590 |
| Net loans and leases to total assets | 72.1085% | 1,699 |
| Net loans and leases to deposits | 82.6253% | 2,252 |
| Net loans and leases to core deposits | 89.3433% | 2,434 |
| Total domestic deposits to total assets | 87.2718% | 2,785 |
| Equity capital to assets | 11.0407% | 2,644 |
| Core capital (leverage) ratio | 10.9089% | 2,258 |
| Tier 1 risk-based capital ratio | 13.3625% | 4,534 |
| Total risk-based capital ratio | 14.6364% | 4,495 |
| Memoranda: | ||
| Average total assets | $170,038,500 | 3,555 |
| Average earning assets | $160,739,000 | 3,447 |
| Average equity | $18,340,500 | 3,352 |
| Average total loans | $127,343,000 | 3,114 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5932% | 1,921 |
| Cost of funding earning assets | 1.0937% | 5,164 |
| Net interest margin | 4.4995% | 1,224 |
| Noninterest income to average assets | 0.2317% | 6,144 |
| Noninterest expense to average assets | 3.4353% | 2,341 |
| Loan and lease loss provision to assets | 1.8306% | 754 |
| Net operating income to assets | -0.7631% | 6,557 |
| Return on assets (ROA) | -0.7631% | 6,581 |
| Pretax return on assets | -0.7626% | 6,495 |
| Return on Equity (ROE) | -7.2962% | 6,570 |
| Retained earnings to average equity (ytd only) | -7.2962% | 6,478 |
| Net charge-offs to loans | 1.8856% | 1,093 |
| Credit loss provision to net charge-offs | 131.6872% | 2,995 |
| Earnings coverage of net charge-offs (x) | 0.7683% | 5,354 |
| Efficiency ratio | 76.2830% | 3,010 |
| Assets per employee ($millions) | 5.2217% | 1,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4288% | 617 |
| Loan loss allowance to noncurrent loans | 49.2451% | 5,049 |
| Noncurrent assets plus other real estate owned to assets | 6.1242% | 962 |
| Noncurrent loans to loans | 6.9627% | 812 |
| Net loans and leases to total assets | 72.5057% | 1,981 |
| Net loans and leases to deposits | 82.5219% | 2,705 |
| Net loans and leases to core deposits | 88.1566% | 3,031 |
| Total domestic deposits to total assets | 87.8624% | 2,334 |
| Equity capital to assets | 10.5382% | 3,120 |
| Core capital (leverage) ratio | 10.3163% | 2,752 |
| Tier 1 risk-based capital ratio | 12.9214% | 4,663 |
| Total risk-based capital ratio | 14.1956% | 4,615 |
| Memoranda: | ||
| Average total assets | $174,802,800 | 3,455 |
| Average earning assets | $165,951,600 | 3,350 |
| Average equity | $18,283,600 | 3,382 |
| Average total loans | $128,873,400 | 3,144 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7519% | 1,545 |
| Cost of funding earning assets | 1.1379% | 5,211 |
| Net interest margin | 4.6140% | 1,011 |
| Noninterest income to average assets | 0.2865% | 5,823 |
| Noninterest expense to average assets | 3.4886% | 2,060 |
| Loan and lease loss provision to assets | 2.4321% | 445 |
| Net operating income to assets | -1.2586% | 7,005 |
| Return on assets (ROA) | -1.2586% | 7,038 |
| Pretax return on assets | -1.2579% | 6,962 |
| Return on Equity (ROE) | -12.0555% | 7,016 |
| Retained earnings to average equity (ytd only) | -12.0555% | 6,977 |
| Net charge-offs to loans | 2.4533% | 692 |
| Credit loss provision to net charge-offs | 135.0781% | 2,980 |
| Earnings coverage of net charge-offs (x) | 0.6522% | 5,390 |
| Efficiency ratio | 74.8166% | 3,181 |
| Assets per employee ($millions) | 5.5540% | 1,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7262% | 463 |
| Loan loss allowance to noncurrent loans | 89.6510% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 3.2334% | 2,211 |
| Noncurrent loans to loans | 4.1563% | 1,771 |
| Net loans and leases to total assets | 67.4688% | 3,338 |
| Net loans and leases to deposits | 76.6995% | 4,051 |
| Net loans and leases to core deposits | 80.5803% | 4,430 |
| Total domestic deposits to total assets | 87.9650% | 1,980 |
| Equity capital to assets | 10.3837% | 3,665 |
| Core capital (leverage) ratio | 10.0450% | 3,208 |
| Tier 1 risk-based capital ratio | 13.3052% | 4,352 |
| Total risk-based capital ratio | 14.5821% | 4,293 |
| Memoranda: | ||
| Average total assets | $175,424,500 | 3,492 |
| Average earning assets | $166,386,250 | 3,382 |
| Average equity | $18,314,750 | 3,424 |
| Average total loans | $128,748,000 | 3,184 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7838% | 1,467 |
| Cost of funding earning assets | 1.1613% | 5,336 |
| Net interest margin | 4.6225% | 947 |
| Noninterest income to average assets | 0.3626% | 5,244 |
| Noninterest expense to average assets | 3.4831% | 2,066 |
| Loan and lease loss provision to assets | 1.8129% | 686 |
| Net operating income to assets | -0.5461% | 6,693 |
| Return on assets (ROA) | -0.5461% | 6,726 |
| Pretax return on assets | -0.5450% | 6,621 |
| Return on Equity (ROE) | -5.2220% | 6,714 |
| Retained earnings to average equity (ytd only) | -5.2220% | 6,577 |
| Net charge-offs to loans | 2.7495% | 599 |
| Credit loss provision to net charge-offs | 88.5445% | 4,459 |
| Earnings coverage of net charge-offs (x) | 0.6193% | 5,121 |
| Efficiency ratio | 73.3127% | 3,595 |
| Assets per employee ($millions) | 5.2795% | 1,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7686% | 1,024 |
| Loan loss allowance to noncurrent loans | 50.4964% | 4,938 |
| Noncurrent assets plus other real estate owned to assets | 4.0660% | 1,681 |
| Noncurrent loans to loans | 5.4829% | 1,205 |
| Net loans and leases to total assets | 69.7236% | 2,970 |
| Net loans and leases to deposits | 80.8562% | 3,458 |
| Net loans and leases to core deposits | 84.8924% | 4,008 |
| Total domestic deposits to total assets | 86.2316% | 2,952 |
| Equity capital to assets | 10.9491% | 2,920 |
| Core capital (leverage) ratio | 11.0727% | 2,183 |
| Tier 1 risk-based capital ratio | 13.8282% | 3,850 |
| Total risk-based capital ratio | 15.0947% | 3,805 |
| Memoranda: | ||
| Average total assets | $176,508,330 | 3,494 |
| Average earning assets | $167,570,670 | 3,382 |
| Average equity | $18,460,330 | 3,379 |
| Average total loans | $131,444,330 | 3,174 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9223% | 1,147 |
| Cost of funding earning assets | 1.1963% | 5,433 |
| Net interest margin | 4.7260% | 740 |
| Noninterest income to average assets | 0.3152% | 5,631 |
| Noninterest expense to average assets | 3.4855% | 2,020 |
| Loan and lease loss provision to assets | 0.5629% | 2,252 |
| Net operating income to assets | 0.7475% | 3,226 |
| Return on assets (ROA) | 0.7475% | 3,333 |
| Pretax return on assets | 0.7498% | 4,063 |
| Return on Equity (ROE) | 7.3158% | 3,199 |
| Retained earnings to average equity (ytd only) | 7.3158% | 2,009 |
| Net charge-offs to loans | 1.9154% | 901 |
| Credit loss provision to net charge-offs | 38.7597% | 4,663 |
| Earnings coverage of net charge-offs (x) | 0.9039% | 4,237 |
| Efficiency ratio | 72.6420% | 3,818 |
| Assets per employee ($millions) | 5.1300% | 2,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5111% | 1,280 |
| Loan loss allowance to noncurrent loans | 39.5408% | 5,725 |
| Noncurrent assets plus other real estate owned to assets | 4.7443% | 1,391 |
| Noncurrent loans to loans | 6.3507% | 994 |
| Net loans and leases to total assets | 72.8298% | 2,253 |
| Net loans and leases to deposits | 88.6362% | 2,106 |
| Net loans and leases to core deposits | 93.2597% | 2,940 |
| Total domestic deposits to total assets | 82.1671% | 5,000 |
| Equity capital to assets | 11.3749% | 2,446 |
| Core capital (leverage) ratio | 11.2014% | 2,092 |
| Tier 1 risk-based capital ratio | 13.8816% | 3,738 |
| Total risk-based capital ratio | 15.1449% | 3,692 |
| Memoranda: | ||
| Average total assets | $177,650,000 | 3,529 |
| Average earning assets | $168,515,000 | 3,423 |
| Average equity | $18,152,500 | 3,457 |
| Average total loans | $134,699,000 | 3,170 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6776% | 3,222 |
| Cost of funding earning assets | 1.9128% | 3,391 |
| Net interest margin | 3.7648% | 3,852 |
| Noninterest income to average assets | 0.2001% | 6,670 |
| Noninterest expense to average assets | 3.9249% | 1,475 |
| Loan and lease loss provision to assets | 2.8834% | 629 |
| Net operating income to assets | -3.0609% | 7,407 |
| Return on assets (ROA) | -3.0609% | 7,417 |
| Pretax return on assets | -3.0603% | 7,310 |
| Return on Equity (ROE) | -32.2262% | 7,440 |
| Retained earnings to average equity (ytd only) | -32.2262% | 7,424 |
| Net charge-offs to loans | 2.9869% | 711 |
| Credit loss provision to net charge-offs | 122.9362% | 4,302 |
| Earnings coverage of net charge-offs (x) | -0.0755% | 6,307 |
| Efficiency ratio | 104.7224% | 937 |
| Assets per employee ($millions) | 5.1680% | 1,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6356% | 1,086 |
| Loan loss allowance to noncurrent loans | 33.3212% | 6,222 |
| Noncurrent assets plus other real estate owned to assets | 6.2621% | 883 |
| Noncurrent loans to loans | 7.9096% | 644 |
| Net loans and leases to total assets | 74.8730% | 2,059 |
| Net loans and leases to deposits | 87.5760% | 2,633 |
| Net loans and leases to core deposits | 108.7240% | 3,034 |
| Total domestic deposits to total assets | 85.4949% | 3,296 |
| Equity capital to assets | 9.1027% | 4,986 |
| Core capital (leverage) ratio | 8.6755% | 4,962 |
| Tier 1 risk-based capital ratio | 10.9871% | 5,924 |
| Total risk-based capital ratio | 12.2527% | 5,877 |
| Memoranda: | ||
| Average total assets | $186,449,400 | 3,332 |
| Average earning assets | $175,707,200 | 3,273 |
| Average equity | $17,709,200 | 3,548 |
| Average total loans | $146,406,400 | 2,978 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6574% | 3,532 |
| Cost of funding earning assets | 2.0249% | 3,234 |
| Net interest margin | 3.6325% | 4,363 |
| Noninterest income to average assets | -0.0121% | 7,864 |
| Noninterest expense to average assets | 3.9628% | 1,330 |
| Loan and lease loss provision to assets | 2.0471% | 872 |
| Net operating income to assets | -2.6064% | 7,483 |
| Return on assets (ROA) | -2.6064% | 7,488 |
| Pretax return on assets | -2.6057% | 7,387 |
| Return on Equity (ROE) | -27.1688% | 7,552 |
| Retained earnings to average equity (ytd only) | -27.1688% | 7,536 |
| Net charge-offs to loans | 2.2783% | 830 |
| Credit loss provision to net charge-offs | 113.8571% | 4,463 |
| Earnings coverage of net charge-offs (x) | -0.3107% | 6,366 |
| Efficiency ratio | 116.4095% | 650 |
| Assets per employee ($millions) | 5.3861% | 1,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1259% | 1,556 |
| Loan loss allowance to noncurrent loans | 26.0727% | 6,720 |
| Noncurrent assets plus other real estate owned to assets | 6.5592% | 760 |
| Noncurrent loans to loans | 8.1539% | 587 |
| Net loans and leases to total assets | 73.6058% | 2,644 |
| Net loans and leases to deposits | 90.4745% | 2,488 |
| Net loans and leases to core deposits | 114.3594% | 2,794 |
| Total domestic deposits to total assets | 81.3553% | 4,939 |
| Equity capital to assets | 9.5573% | 4,671 |
| Core capital (leverage) ratio | 9.4084% | 4,037 |
| Tier 1 risk-based capital ratio | 11.6417% | 5,293 |
| Total risk-based capital ratio | 12.8708% | 5,258 |
| Memoranda: | ||
| Average total assets | $187,841,500 | 3,339 |
| Average earning assets | $176,659,750 | 3,280 |
| Average equity | $18,020,250 | 3,537 |
| Average total loans | $148,233,750 | 2,977 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6351% | 3,887 |
| Cost of funding earning assets | 2.0469% | 3,536 |
| Net interest margin | 3.5882% | 4,416 |
| Noninterest income to average assets | -0.0917% | 8,028 |
| Noninterest expense to average assets | 4.1947% | 1,080 |
| Loan and lease loss provision to assets | 1.6875% | 996 |
| Net operating income to assets | -2.5925% | 7,588 |
| Return on assets (ROA) | -2.5925% | 7,578 |
| Pretax return on assets | -2.5914% | 7,445 |
| Return on Equity (ROE) | -26.9902% | 7,662 |
| Retained earnings to average equity (ytd only) | -26.9902% | 7,632 |
| Net charge-offs to loans | 2.4537% | 716 |
| Credit loss provision to net charge-offs | 85.7995% | 5,036 |
| Earnings coverage of net charge-offs (x) | -0.4596% | 6,053 |
| Efficiency ratio | 127.4700% | 546 |
| Assets per employee ($millions) | 5.3627% | 1,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6300% | 2,613 |
| Loan loss allowance to noncurrent loans | 21.2723% | 7,060 |
| Noncurrent assets plus other real estate owned to assets | 6.4424% | 715 |
| Noncurrent loans to loans | 7.6627% | 600 |
| Net loans and leases to total assets | 77.1981% | 1,912 |
| Net loans and leases to deposits | 95.0930% | 1,937 |
| Net loans and leases to core deposits | 120.7123% | 2,299 |
| Total domestic deposits to total assets | 81.1817% | 5,008 |
| Equity capital to assets | 9.2213% | 4,978 |
| Core capital (leverage) ratio | 9.1266% | 4,420 |
| Tier 1 risk-based capital ratio | 10.9550% | 5,925 |
| Total risk-based capital ratio | 12.1913% | 5,881 |
| Memoranda: | ||
| Average total assets | $187,617,000 | 3,365 |
| Average earning assets | $176,855,670 | 3,304 |
| Average equity | $18,021,330 | 3,544 |
| Average total loans | $150,387,670 | 2,979 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9014% | 2,787 |
| Cost of funding earning assets | 2.0361% | 3,946 |
| Net interest margin | 3.8653% | 3,200 |
| Noninterest income to average assets | 0.1621% | 7,147 |
| Noninterest expense to average assets | 3.4268% | 2,288 |
| Loan and lease loss provision to assets | 2.9620% | 367 |
| Net operating income to assets | -2.6016% | 7,789 |
| Return on assets (ROA) | -2.6016% | 7,784 |
| Pretax return on assets | -2.5995% | 7,684 |
| Return on Equity (ROE) | -26.5535% | 7,869 |
| Retained earnings to average equity (ytd only) | -26.5535% | 7,809 |
| Net charge-offs to loans | -0.0053% | 7,186 |
| Credit loss provision to net charge-offs | -69,450.0000% | 6,822 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4333% | 1,688 |
| Assets per employee ($millions) | 4.5608% | 2,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6963% | 630 |
| Loan loss allowance to noncurrent loans | 54.2559% | 4,936 |
| Noncurrent assets plus other real estate owned to assets | 4.4800% | 1,080 |
| Noncurrent loans to loans | 4.9696% | 1,096 |
| Net loans and leases to total assets | 80.1948% | 1,344 |
| Net loans and leases to deposits | 101.0289% | 1,276 |
| Net loans and leases to core deposits | 128.0568% | 1,784 |
| Total domestic deposits to total assets | 79.3781% | 5,581 |
| Equity capital to assets | 10.1704% | 3,798 |
| Core capital (leverage) ratio | 9.8296% | 3,601 |
| Tier 1 risk-based capital ratio | 11.4171% | 5,490 |
| Total risk-based capital ratio | 12.6828% | 5,371 |
| Memoranda: | ||
| Average total assets | $187,578,000 | 3,388 |
| Average earning assets | $176,027,000 | 3,340 |
| Average equity | $18,378,000 | 3,503 |
| Average total loans | $151,932,500 | 2,974 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2780% | 4,082 |
| Cost of funding earning assets | 2.4500% | 4,473 |
| Net interest margin | 3.8280% | 3,901 |
| Noninterest income to average assets | 0.2518% | 6,652 |
| Noninterest expense to average assets | 4.1010% | 1,281 |
| Loan and lease loss provision to assets | 1.0109% | 1,452 |
| Net operating income to assets | -1.2878% | 7,381 |
| Return on assets (ROA) | -1.2873% | 7,328 |
| Pretax return on assets | -1.2867% | 7,160 |
| Return on Equity (ROE) | -13.5470% | 7,522 |
| Retained earnings to average equity (ytd only) | -13.5470% | 7,375 |
| Net charge-offs to loans | 0.3157% | 3,279 |
| Credit loss provision to net charge-offs | 410.4444% | 1,067 |
| Earnings coverage of net charge-offs (x) | -1.1222% | 6,610 |
| Efficiency ratio | 107.2267% | 776 |
| Assets per employee ($millions) | 4.9416% | 2,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7549% | 1,750 |
| Loan loss allowance to noncurrent loans | 125.7703% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 1.4752% | 3,270 |
| Noncurrent loans to loans | 1.3953% | 3,726 |
| Net loans and leases to total assets | 78.2549% | 2,064 |
| Net loans and leases to deposits | 97.1828% | 2,256 |
| Net loans and leases to core deposits | 114.3412% | 3,297 |
| Total domestic deposits to total assets | 80.5234% | 4,831 |
| Equity capital to assets | 9.4446% | 4,760 |
| Core capital (leverage) ratio | 9.1730% | 4,482 |
| Tier 1 risk-based capital ratio | 10.8023% | 5,912 |
| Total risk-based capital ratio | 12.0569% | 5,810 |
| Memoranda: | ||
| Average total assets | $182,712,000 | 3,381 |
| Average earning assets | $170,530,800 | 3,326 |
| Average equity | $17,361,800 | 3,673 |
| Average total loans | $142,550,800 | 3,048 |