Home > Platte Valley Bank > Performance and Condition Ratios
Platte Valley Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0665% | 1,096 |
| Cost of funding earning assets | 2.1914% | 1,461 |
| Net interest margin | 3.8751% | 1,520 |
| Noninterest income to average assets | 0.5500% | 1,525 |
| Noninterest expense to average assets | 2.6886% | 1,787 |
| Loan and lease loss provision to assets | 0.1500% | 856 |
| Net operating income to assets | 1.1145% | 1,971 |
| Return on assets (ROA) | 1.0800% | 2,061 |
| Pretax return on assets | 1.2864% | 2,015 |
| Return on Equity (ROE) | 11.4800% | 1,884 |
| Retained earnings to average equity (ytd only) | 5.7866% | 2,340 |
| Net charge-offs to loans | 0.3331% | 370 |
| Credit loss provision to net charge-offs | 69.5890% | 1,465 |
| Earnings coverage of net charge-offs (x) | 5.6616% | 1,891 |
| Efficiency ratio | 64.0768% | 2,463 |
| Assets per employee ($millions) | 5.2991% | 3,461 |
| Cash dividends to net income (ytd only)* | 49.6032% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1057% | 2,686 |
| Loan loss allowance to noncurrent loans | 92.1570% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 0.9593% | 749 |
| Noncurrent loans to loans | 1.1998% | 885 |
| Net loans and leases to total assets | 77.5600% | 887 |
| Net loans and leases to deposits | 91.5870% | 963 |
| Net loans and leases to core deposits | 105.5748% | 1,044 |
| Total domestic deposits to total assets | 84.6900% | 2,708 |
| Equity capital to assets | 9.4334% | 2,628 |
| Core capital (leverage) ratio | 9.5924% | 3,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $1,119,990,500 | 929 |
| Average earning assets | $1,045,352,500 | 915 |
| Average equity | $105,347,000 | 1,004 |
| Average total loans | $876,723,000 | 837 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0220% | 1,252 |
| Cost of funding earning assets | 2.3174% | 1,504 |
| Net interest margin | 3.7046% | 1,680 |
| Noninterest income to average assets | 0.6100% | 1,475 |
| Noninterest expense to average assets | 2.7795% | 1,551 |
| Loan and lease loss provision to assets | 0.0100% | 2,986 |
| Net operating income to assets | 1.0544% | 1,890 |
| Return on assets (ROA) | 1.0436% | 1,920 |
| Pretax return on assets | 1.2896% | 1,779 |
| Return on Equity (ROE) | 11.4400% | 1,758 |
| Retained earnings to average equity (ytd only) | 6.3730% | 1,678 |
| Net charge-offs to loans | 0.0868% | 1,278 |
| Credit loss provision to net charge-offs | 104.4000% | 1,831 |
| Earnings coverage of net charge-offs (x) | 19.3293% | 1,857 |
| Efficiency ratio | 67.4082% | 2,324 |
| Assets per employee ($millions) | 5.1687% | 3,527 |
| Cash dividends to net income (ytd only)* | 44.2785% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1529% | 2,406 |
| Loan loss allowance to noncurrent loans | 121.8651% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 0.7392% | 1,004 |
| Noncurrent loans to loans | 0.9461% | 1,057 |
| Net loans and leases to total assets | 77.2300% | 989 |
| Net loans and leases to deposits | 93.9167% | 869 |
| Net loans and leases to core deposits | 108.0671% | 1,019 |
| Total domestic deposits to total assets | 82.2300% | 3,203 |
| Equity capital to assets | 9.3783% | 2,544 |
| Core capital (leverage) ratio | 9.7604% | 2,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $1,103,673,000 | 938 |
| Average earning assets | $1,037,090,600 | 918 |
| Average equity | $100,706,200 | 1,012 |
| Average total loans | $863,717,400 | 847 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0118% | 1,237 |
| Cost of funding earning assets | 2.3709% | 1,399 |
| Net interest margin | 3.6409% | 1,759 |
| Noninterest income to average assets | 0.6100% | 1,436 |
| Noninterest expense to average assets | 2.7706% | 1,515 |
| Loan and lease loss provision to assets | 0.0100% | 2,797 |
| Net operating income to assets | 1.0153% | 1,999 |
| Return on assets (ROA) | 1.0009% | 2,063 |
| Pretax return on assets | 1.2380% | 1,908 |
| Return on Equity (ROE) | 11.0500% | 1,879 |
| Retained earnings to average equity (ytd only) | 6.2386% | 2,010 |
| Net charge-offs to loans | 0.0645% | 1,262 |
| Credit loss provision to net charge-offs | 94.0048% | 1,741 |
| Earnings coverage of net charge-offs (x) | 24.9880% | 1,628 |
| Efficiency ratio | 68.2155% | 2,239 |
| Assets per employee ($millions) | 5.1382% | 3,552 |
| Cash dividends to net income (ytd only)* | 43.5256% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1536% | 2,466 |
| Loan loss allowance to noncurrent loans | 129.4990% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 0.6989% | 1,024 |
| Noncurrent loans to loans | 0.8908% | 1,126 |
| Net loans and leases to total assets | 77.5500% | 920 |
| Net loans and leases to deposits | 93.5058% | 901 |
| Net loans and leases to core deposits | 108.1664% | 1,022 |
| Total domestic deposits to total assets | 82.9400% | 2,866 |
| Equity capital to assets | 9.4065% | 2,741 |
| Core capital (leverage) ratio | 9.4799% | 3,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $1,101,773,750 | 926 |
| Average earning assets | $1,036,668,000 | 912 |
| Average equity | $99,828,250 | 1,016 |
| Average total loans | $862,592,750 | 846 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8974% | 1,305 |
| Cost of funding earning assets | 2.3490% | 1,347 |
| Net interest margin | 3.5484% | 1,874 |
| Noninterest income to average assets | 0.6000% | 1,448 |
| Noninterest expense to average assets | 2.7329% | 1,602 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | 0.9702% | 2,090 |
| Return on assets (ROA) | 0.9486% | 2,157 |
| Pretax return on assets | 1.1768% | 2,001 |
| Return on Equity (ROE) | 10.6000% | 2,009 |
| Retained earnings to average equity (ytd only) | 5.7367% | 2,110 |
| Net charge-offs to loans | 0.0626% | 1,143 |
| Credit loss provision to net charge-offs | 121.1111% | 1,347 |
| Earnings coverage of net charge-offs (x) | 24.7148% | 1,512 |
| Efficiency ratio | 68.7828% | 2,239 |
| Assets per employee ($millions) | 5.2441% | 3,413 |
| Cash dividends to net income (ytd only)* | 45.8979% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1617% | 2,437 |
| Loan loss allowance to noncurrent loans | 122.1992% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 0.7511% | 874 |
| Noncurrent loans to loans | 0.9507% | 991 |
| Net loans and leases to total assets | 76.0800% | 1,168 |
| Net loans and leases to deposits | 92.2989% | 1,094 |
| Net loans and leases to core deposits | 105.7304% | 1,169 |
| Total domestic deposits to total assets | 82.4300% | 2,989 |
| Equity capital to assets | 8.9346% | 2,785 |
| Core capital (leverage) ratio | 9.2140% | 3,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $1,102,508,667 | 925 |
| Average earning assets | $1,039,072,667 | 906 |
| Average equity | $98,627,333 | 1,015 |
| Average total loans | $862,560,667 | 845 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7793% | 1,346 |
| Cost of funding earning assets | 2.3224% | 1,296 |
| Net interest margin | 3.4568% | 1,982 |
| Noninterest income to average assets | 0.5800% | 1,433 |
| Noninterest expense to average assets | 2.7691% | 1,531 |
| Loan and lease loss provision to assets | 0.0100% | 2,366 |
| Net operating income to assets | 0.8636% | 2,350 |
| Return on assets (ROA) | 0.8189% | 2,505 |
| Pretax return on assets | 0.9895% | 2,409 |
| Return on Equity (ROE) | 9.1500% | 2,349 |
| Retained earnings to average equity (ytd only) | 4.2410% | 2,639 |
| Net charge-offs to loans | 0.0450% | 1,080 |
| Credit loss provision to net charge-offs | 395.8763% | 578 |
| Earnings coverage of net charge-offs (x) | 29.7835% | 1,173 |
| Efficiency ratio | 71.8263% | 1,961 |
| Assets per employee ($millions) | 5.2508% | 3,465 |
| Cash dividends to net income (ytd only)* | 53.6433% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1974% | 2,301 |
| Loan loss allowance to noncurrent loans | 118.4694% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 0.8092% | 744 |
| Noncurrent loans to loans | 1.0107% | 854 |
| Net loans and leases to total assets | 77.1700% | 938 |
| Net loans and leases to deposits | 93.8294% | 878 |
| Net loans and leases to core deposits | 107.4421% | 1,043 |
| Total domestic deposits to total assets | 82.2400% | 3,144 |
| Equity capital to assets | 8.9588% | 2,707 |
| Core capital (leverage) ratio | 9.2549% | 3,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $1,092,644,500 | 937 |
| Average earning assets | $1,027,191,500 | 921 |
| Average equity | $97,807,500 | 1,018 |
| Average total loans | $861,936,500 | 852 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4945% | 1,166 |
| Cost of funding earning assets | 2.0213% | 890 |
| Net interest margin | 3.4732% | 2,249 |
| Noninterest income to average assets | 0.6000% | 1,526 |
| Noninterest expense to average assets | 2.5943% | 2,025 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.9756% | 2,292 |
| Return on assets (ROA) | 0.9616% | 2,324 |
| Pretax return on assets | 1.2351% | 2,048 |
| Return on Equity (ROE) | 10.9500% | 2,237 |
| Retained earnings to average equity (ytd only) | 7.7503% | 1,609 |
| Net charge-offs to loans | 0.1461% | 700 |
| Credit loss provision to net charge-offs | -4.0134% | 4,413 |
| Earnings coverage of net charge-offs (x) | 11.0819% | 2,211 |
| Efficiency ratio | 66.7136% | 2,258 |
| Assets per employee ($millions) | 5.0835% | 3,573 |
| Cash dividends to net income (ytd only)* | 29.2137% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1511% | 2,542 |
| Loan loss allowance to noncurrent loans | 120.9040% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 0.7785% | 661 |
| Noncurrent loans to loans | 0.9520% | 778 |
| Net loans and leases to total assets | 78.7600% | 789 |
| Net loans and leases to deposits | 95.8837% | 798 |
| Net loans and leases to core deposits | 109.6399% | 972 |
| Total domestic deposits to total assets | 82.1400% | 3,106 |
| Equity capital to assets | 8.9440% | 2,711 |
| Core capital (leverage) ratio | 9.0861% | 3,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,050,102,200 | 941 |
| Average earning assets | $985,840,600 | 920 |
| Average equity | $92,229,200 | 1,008 |
| Average total loans | $818,344,000 | 852 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3729% | 1,173 |
| Cost of funding earning assets | 1.9295% | 818 |
| Net interest margin | 3.4434% | 2,354 |
| Noninterest income to average assets | 0.6000% | 1,525 |
| Noninterest expense to average assets | 2.6051% | 1,927 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.9472% | 2,522 |
| Return on assets (ROA) | 0.9255% | 2,583 |
| Pretax return on assets | 1.1852% | 2,336 |
| Return on Equity (ROE) | 10.5900% | 2,484 |
| Retained earnings to average equity (ytd only) | 6.9977% | 2,288 |
| Net charge-offs to loans | 0.1391% | 590 |
| Credit loss provision to net charge-offs | -40.7848% | 4,497 |
| Earnings coverage of net charge-offs (x) | 11.3722% | 2,099 |
| Efficiency ratio | 67.4449% | 2,079 |
| Assets per employee ($millions) | 5.3757% | 3,282 |
| Cash dividends to net income (ytd only)* | 33.9147% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1729% | 2,505 |
| Loan loss allowance to noncurrent loans | 105.9985% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 0.8634% | 629 |
| Noncurrent loans to loans | 1.1065% | 709 |
| Net loans and leases to total assets | 77.1200% | 980 |
| Net loans and leases to deposits | 93.9385% | 902 |
| Net loans and leases to core deposits | 106.3779% | 996 |
| Total domestic deposits to total assets | 82.0900% | 3,190 |
| Equity capital to assets | 8.5118% | 2,725 |
| Core capital (leverage) ratio | 8.9417% | 3,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,040,659,000 | 948 |
| Average earning assets | $976,579,500 | 930 |
| Average equity | $90,961,500 | 1,019 |
| Average total loans | $806,237,500 | 859 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1970% | 1,216 |
| Cost of funding earning assets | 1.7617% | 797 |
| Net interest margin | 3.4353% | 2,433 |
| Noninterest income to average assets | 0.5900% | 1,494 |
| Noninterest expense to average assets | 2.6358% | 1,840 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.9060% | 2,737 |
| Return on assets (ROA) | 0.8729% | 2,834 |
| Pretax return on assets | 1.1164% | 2,597 |
| Return on Equity (ROE) | 9.8900% | 2,734 |
| Retained earnings to average equity (ytd only) | 6.6721% | 2,388 |
| Net charge-offs to loans | 0.1985% | 402 |
| Credit loss provision to net charge-offs | 12.2449% | 1,791 |
| Earnings coverage of net charge-offs (x) | 7.6684% | 2,078 |
| Efficiency ratio | 68.5478% | 1,916 |
| Assets per employee ($millions) | 5.1621% | 3,446 |
| Cash dividends to net income (ytd only)* | 32.5258% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4412% | 1,385 |
| Loan loss allowance to noncurrent loans | 122.4058% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 0.9235% | 527 |
| Noncurrent loans to loans | 1.1774% | 600 |
| Net loans and leases to total assets | 77.3000% | 906 |
| Net loans and leases to deposits | 96.3748% | 711 |
| Net loans and leases to core deposits | 108.1487% | 900 |
| Total domestic deposits to total assets | 80.2100% | 3,542 |
| Equity capital to assets | 8.6217% | 2,764 |
| Core capital (leverage) ratio | 9.3012% | 3,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,021,479,333 | 953 |
| Average earning assets | $958,747,667 | 928 |
| Average equity | $90,167,000 | 1,018 |
| Average total loans | $789,737,000 | 857 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1527% | 1,016 |
| Cost of funding earning assets | 1.6711% | 614 |
| Net interest margin | 3.4817% | 2,413 |
| Noninterest income to average assets | 0.6000% | 1,426 |
| Noninterest expense to average assets | 2.6547% | 1,794 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.9449% | 2,704 |
| Return on assets (ROA) | 0.8754% | 2,891 |
| Pretax return on assets | 1.0842% | 2,753 |
| Return on Equity (ROE) | 9.8000% | 2,849 |
| Retained earnings to average equity (ytd only) | 9.7951% | 1,745 |
| Net charge-offs to loans | 0.0125% | 1,483 |
| Credit loss provision to net charge-offs | 400.0000% | 607 |
| Earnings coverage of net charge-offs (x) | 125.6250% | 684 |
| Efficiency ratio | 68.1365% | 1,953 |
| Assets per employee ($millions) | 4.7603% | 3,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7309% | 757 |
| Loan loss allowance to noncurrent loans | 129.0871% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 1.0397% | 390 |
| Noncurrent loans to loans | 1.3409% | 494 |
| Net loans and leases to total assets | 74.6900% | 1,115 |
| Net loans and leases to deposits | 91.3701% | 958 |
| Net loans and leases to core deposits | 100.3500% | 1,075 |
| Total domestic deposits to total assets | 81.7500% | 3,522 |
| Equity capital to assets | 9.3111% | 2,291 |
| Core capital (leverage) ratio | 9.2630% | 3,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $997,946,000 | 995 |
| Average earning assets | $934,958,000 | 974 |
| Average equity | $89,187,000 | 1,040 |
| Average total loans | $765,557,500 | 891 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2720% | 1,112 |
| Cost of funding earning assets | 0.6837% | 630 |
| Net interest margin | 3.5883% | 1,681 |
| Noninterest income to average assets | 0.6600% | 1,421 |
| Noninterest expense to average assets | 2.5643% | 1,927 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1669% | 1,907 |
| Return on assets (ROA) | 1.1442% | 1,939 |
| Pretax return on assets | 1.4599% | 1,574 |
| Return on Equity (ROE) | 12.8500% | 1,853 |
| Retained earnings to average equity (ytd only) | 6.5225% | 2,443 |
| Net charge-offs to loans | -0.0625% | 4,403 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.7006% | 2,677 |
| Assets per employee ($millions) | 5.0248% | 3,659 |
| Cash dividends to net income (ytd only)* | 49.2434% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6173% | 940 |
| Loan loss allowance to noncurrent loans | 134.7156% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 0.9291% | 469 |
| Noncurrent loans to loans | 1.2006% | 585 |
| Net loans and leases to total assets | 76.1400% | 992 |
| Net loans and leases to deposits | 96.4751% | 611 |
| Net loans and leases to core deposits | 105.3786% | 773 |
| Total domestic deposits to total assets | 78.9200% | 4,012 |
| Equity capital to assets | 8.5792% | 2,649 |
| Core capital (leverage) ratio | 9.0027% | 3,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $976,119,000 | 999 |
| Average earning assets | $922,184,600 | 977 |
| Average equity | $86,914,400 | 1,064 |
| Average total loans | $728,072,000 | 876 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1184% | 1,036 |
| Cost of funding earning assets | 0.4973% | 758 |
| Net interest margin | 3.6211% | 1,348 |
| Noninterest income to average assets | 0.6600% | 1,473 |
| Noninterest expense to average assets | 2.5492% | 1,866 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2095% | 1,666 |
| Return on assets (ROA) | 1.1789% | 1,748 |
| Pretax return on assets | 1.4983% | 1,411 |
| Return on Equity (ROE) | 13.1100% | 1,666 |
| Retained earnings to average equity (ytd only) | 7.8324% | 2,067 |
| Net charge-offs to loans | -0.0969% | 4,489 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.8141% | 2,853 |
| Assets per employee ($millions) | 5.1162% | 3,577 |
| Cash dividends to net income (ytd only)* | 40.2742% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6958% | 884 |
| Loan loss allowance to noncurrent loans | 237.9010% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 0.5489% | 976 |
| Noncurrent loans to loans | 0.7128% | 1,149 |
| Net loans and leases to total assets | 74.9300% | 1,018 |
| Net loans and leases to deposits | 92.2652% | 753 |
| Net loans and leases to core deposits | 101.3394% | 768 |
| Total domestic deposits to total assets | 81.2100% | 3,947 |
| Equity capital to assets | 8.6812% | 2,421 |
| Core capital (leverage) ratio | 9.2003% | 3,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $965,139,250 | 1,021 |
| Average earning assets | $913,626,750 | 991 |
| Average equity | $86,765,250 | 1,077 |
| Average total loans | $712,744,750 | 887 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9723% | 980 |
| Cost of funding earning assets | 0.3958% | 940 |
| Net interest margin | 3.5765% | 1,112 |
| Noninterest income to average assets | 0.6887% | 1,389 |
| Noninterest expense to average assets | 2.5343% | 1,824 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2400% | 1,302 |
| Return on assets (ROA) | 1.1914% | 1,432 |
| Pretax return on assets | 1.4891% | 1,200 |
| Return on Equity (ROE) | 13.0972% | 1,358 |
| Retained earnings to average equity (ytd only) | 9.9350% | 1,041 |
| Net charge-offs to loans | -0.1573% | 4,547 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4742% | 3,114 |
| Assets per employee ($millions) | 4.9472% | 3,717 |
| Cash dividends to net income (ytd only)* | 24.1440% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7783% | 842 |
| Loan loss allowance to noncurrent loans | 241.3851% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 0.5551% | 1,033 |
| Noncurrent loans to loans | 0.7367% | 1,168 |
| Net loans and leases to total assets | 73.2601% | 979 |
| Net loans and leases to deposits | 85.4442% | 1,017 |
| Net loans and leases to core deposits | 94.0463% | 909 |
| Total domestic deposits to total assets | 85.7403% | 3,313 |
| Equity capital to assets | 9.0315% | 2,366 |
| Core capital (leverage) ratio | 9.0475% | 3,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $956,001,667 | 1,029 |
| Average earning assets | $907,583,333 | 999 |
| Average equity | $86,965,333 | 1,086 |
| Average total loans | $698,136,333 | 886 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8069% | 1,072 |
| Cost of funding earning assets | 0.3750% | 1,025 |
| Net interest margin | 3.4320% | 1,230 |
| Noninterest income to average assets | 0.7324% | 1,215 |
| Noninterest expense to average assets | 2.4659% | 1,970 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2806% | 1,044 |
| Return on assets (ROA) | 1.1780% | 1,304 |
| Pretax return on assets | 1.4016% | 1,248 |
| Return on Equity (ROE) | 12.9101% | 1,059 |
| Retained earnings to average equity (ytd only) | 6.5635% | 2,047 |
| Net charge-offs to loans | 0.0111% | 1,356 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 190.4211% | 444 |
| Efficiency ratio | 61.2161% | 3,356 |
| Assets per employee ($millions) | 5.0409% | 3,717 |
| Cash dividends to net income (ytd only)* | 49.1598% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7917% | 893 |
| Loan loss allowance to noncurrent loans | 204.6105% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 0.6338% | 943 |
| Noncurrent loans to loans | 0.8757% | 1,068 |
| Net loans and leases to total assets | 69.9827% | 1,025 |
| Net loans and leases to deposits | 81.6122% | 1,037 |
| Net loans and leases to core deposits | 89.3052% | 952 |
| Total domestic deposits to total assets | 85.7503% | 3,329 |
| Equity capital to assets | 8.9578% | 2,748 |
| Core capital (leverage) ratio | 9.1065% | 3,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $949,738,500 | 1,036 |
| Average earning assets | $901,406,000 | 1,016 |
| Average equity | $86,660,500 | 1,121 |
| Average total loans | $686,153,500 | 896 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1442% | 1,091 |
| Cost of funding earning assets | 0.4586% | 1,142 |
| Net interest margin | 3.6856% | 1,248 |
| Noninterest income to average assets | 0.9190% | 1,157 |
| Noninterest expense to average assets | 2.4781% | 2,248 |
| Loan and lease loss provision to assets | 0.0281% | 2,497 |
| Net operating income to assets | 1.4990% | 1,017 |
| Return on assets (ROA) | 1.4719% | 1,134 |
| Pretax return on assets | 1.8773% | 770 |
| Return on Equity (ROE) | 16.1553% | 726 |
| Retained earnings to average equity (ytd only) | 11.3809% | 638 |
| Net charge-offs to loans | 0.0887% | 925 |
| Credit loss provision to net charge-offs | 43.4708% | 2,180 |
| Earnings coverage of net charge-offs (x) | 30.0103% | 1,606 |
| Efficiency ratio | 55.5254% | 3,753 |
| Assets per employee ($millions) | 5.0906% | 3,654 |
| Cash dividends to net income (ytd only)* | 29.5533% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7942% | 873 |
| Loan loss allowance to noncurrent loans | 289.6941% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.4638% | 1,421 |
| Noncurrent loans to loans | 0.6193% | 1,597 |
| Net loans and leases to total assets | 71.9467% | 847 |
| Net loans and leases to deposits | 84.3720% | 888 |
| Net loans and leases to core deposits | 92.3032% | 861 |
| Total domestic deposits to total assets | 85.2733% | 3,181 |
| Equity capital to assets | 9.2962% | 3,324 |
| Core capital (leverage) ratio | 9.1221% | 3,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $900,456,600 | 1,045 |
| Average earning assets | $854,817,200 | 1,028 |
| Average equity | $82,041,200 | 1,178 |
| Average total loans | $656,464,600 | 929 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2302% | 1,062 |
| Cost of funding earning assets | 0.4629% | 1,270 |
| Net interest margin | 3.7673% | 1,194 |
| Noninterest income to average assets | 0.8780% | 1,299 |
| Noninterest expense to average assets | 2.4721% | 2,201 |
| Loan and lease loss provision to assets | 0.0378% | 2,236 |
| Net operating income to assets | 1.5260% | 1,208 |
| Return on assets (ROA) | 1.4894% | 1,346 |
| Pretax return on assets | 1.8984% | 950 |
| Return on Equity (ROE) | 16.4354% | 859 |
| Retained earnings to average equity (ytd only) | 10.8452% | 1,095 |
| Net charge-offs to loans | 0.0881% | 812 |
| Credit loss provision to net charge-offs | 58.9744% | 1,811 |
| Earnings coverage of net charge-offs (x) | 30.8951% | 1,510 |
| Efficiency ratio | 54.9292% | 3,667 |
| Assets per employee ($millions) | 4.8697% | 3,824 |
| Cash dividends to net income (ytd only)* | 34.0129% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8858% | 791 |
| Loan loss allowance to noncurrent loans | 187.5000% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 0.7283% | 1,009 |
| Noncurrent loans to loans | 1.0057% | 1,143 |
| Net loans and leases to total assets | 70.4650% | 1,040 |
| Net loans and leases to deposits | 82.8951% | 1,035 |
| Net loans and leases to core deposits | 91.2837% | 965 |
| Total domestic deposits to total assets | 85.0051% | 3,111 |
| Equity capital to assets | 9.1181% | 3,726 |
| Core capital (leverage) ratio | 8.9618% | 3,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $891,404,500 | 1,066 |
| Average earning assets | $846,282,250 | 1,049 |
| Average equity | $80,783,000 | 1,218 |
| Average total loans | $649,027,750 | 950 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3734% | 886 |
| Cost of funding earning assets | 0.4874% | 1,277 |
| Net interest margin | 3.8860% | 996 |
| Noninterest income to average assets | 0.8959% | 1,284 |
| Noninterest expense to average assets | 2.4864% | 2,192 |
| Loan and lease loss provision to assets | 0.0574% | 1,880 |
| Net operating income to assets | 1.6236% | 999 |
| Return on assets (ROA) | 1.5676% | 1,186 |
| Pretax return on assets | 1.9677% | 887 |
| Return on Equity (ROE) | 17.3344% | 737 |
| Retained earnings to average equity (ytd only) | 11.6708% | 982 |
| Net charge-offs to loans | 0.0682% | 945 |
| Credit loss provision to net charge-offs | 115.0000% | 1,284 |
| Earnings coverage of net charge-offs (x) | 41.9864% | 1,141 |
| Efficiency ratio | 53.7106% | 3,839 |
| Assets per employee ($millions) | 4.9627% | 3,690 |
| Cash dividends to net income (ytd only)* | 32.6726% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9112% | 722 |
| Loan loss allowance to noncurrent loans | 208.5569% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 0.6715% | 1,234 |
| Noncurrent loans to loans | 0.9164% | 1,348 |
| Net loans and leases to total assets | 71.2346% | 1,053 |
| Net loans and leases to deposits | 83.8002% | 1,079 |
| Net loans and leases to core deposits | 92.1853% | 994 |
| Total domestic deposits to total assets | 85.0053% | 3,090 |
| Equity capital to assets | 9.0068% | 3,789 |
| Core capital (leverage) ratio | 8.7321% | 3,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $881,750,333 | 1,072 |
| Average earning assets | $836,286,667 | 1,050 |
| Average equity | $79,737,333 | 1,225 |
| Average total loans | $645,036,333 | 960 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4808% | 799 |
| Cost of funding earning assets | 0.5056% | 1,358 |
| Net interest margin | 3.9752% | 879 |
| Noninterest income to average assets | 0.9048% | 1,313 |
| Noninterest expense to average assets | 2.5167% | 2,135 |
| Loan and lease loss provision to assets | 0.1169% | 1,172 |
| Net operating income to assets | 1.7041% | 930 |
| Return on assets (ROA) | 1.5842% | 1,211 |
| Pretax return on assets | 1.8941% | 1,125 |
| Return on Equity (ROE) | 17.4813% | 783 |
| Retained earnings to average equity (ytd only) | 11.7272% | 1,219 |
| Net charge-offs to loans | 0.2138% | 387 |
| Credit loss provision to net charge-offs | 74.4118% | 1,231 |
| Earnings coverage of net charge-offs (x) | 13.7147% | 1,390 |
| Efficiency ratio | 53.3327% | 3,873 |
| Assets per employee ($millions) | 5.0757% | 3,557 |
| Cash dividends to net income (ytd only)* | 32.9155% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9544% | 653 |
| Loan loss allowance to noncurrent loans | 183.0830% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 0.7694% | 1,183 |
| Noncurrent loans to loans | 1.0675% | 1,261 |
| Net loans and leases to total assets | 70.1012% | 1,272 |
| Net loans and leases to deposits | 82.3476% | 1,312 |
| Net loans and leases to core deposits | 90.9688% | 1,172 |
| Total domestic deposits to total assets | 85.1283% | 3,051 |
| Equity capital to assets | 8.8442% | 3,840 |
| Core capital (leverage) ratio | 9.0018% | 3,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $866,061,000 | 1,077 |
| Average earning assets | $820,388,000 | 1,055 |
| Average equity | $78,484,000 | 1,231 |
| Average total loans | $635,985,500 | 969 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6288% | 1,044 |
| Cost of funding earning assets | 0.7667% | 1,362 |
| Net interest margin | 3.8621% | 1,327 |
| Noninterest income to average assets | 0.8682% | 1,356 |
| Noninterest expense to average assets | 2.4807% | 2,903 |
| Loan and lease loss provision to assets | 0.3544% | 973 |
| Net operating income to assets | 1.3427% | 1,141 |
| Return on assets (ROA) | 1.3433% | 1,239 |
| Pretax return on assets | 1.6800% | 889 |
| Return on Equity (ROE) | 14.3543% | 740 |
| Retained earnings to average equity (ytd only) | 9.7773% | 629 |
| Net charge-offs to loans | 0.0879% | 1,585 |
| Credit loss provision to net charge-offs | 508.6799% | 1,237 |
| Earnings coverage of net charge-offs (x) | 29.1917% | 1,634 |
| Efficiency ratio | 54.3212% | 4,178 |
| Assets per employee ($millions) | 4.9042% | 3,499 |
| Cash dividends to net income (ytd only)* | 31.8860% | 2,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0077% | 577 |
| Loan loss allowance to noncurrent loans | 174.0465% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 0.8778% | 1,138 |
| Noncurrent loans to loans | 1.1535% | 1,230 |
| Net loans and leases to total assets | 74.0039% | 1,018 |
| Net loans and leases to deposits | 88.1255% | 1,080 |
| Net loans and leases to core deposits | 98.3130% | 996 |
| Total domestic deposits to total assets | 83.9756% | 3,119 |
| Equity capital to assets | 9.2971% | 3,789 |
| Core capital (leverage) ratio | 9.0231% | 3,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $793,807,400 | 1,065 |
| Average earning assets | $749,409,400 | 1,049 |
| Average equity | $74,284,200 | 1,230 |
| Average total loans | $629,253,000 | 938 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7946% | 885 |
| Cost of funding earning assets | 0.8209% | 1,393 |
| Net interest margin | 3.9737% | 1,174 |
| Noninterest income to average assets | 0.8275% | 1,400 |
| Noninterest expense to average assets | 2.5030% | 2,831 |
| Loan and lease loss provision to assets | 0.3525% | 1,074 |
| Net operating income to assets | 1.3960% | 1,112 |
| Return on assets (ROA) | 1.3969% | 1,209 |
| Pretax return on assets | 1.7214% | 924 |
| Return on Equity (ROE) | 14.9013% | 705 |
| Retained earnings to average equity (ytd only) | 10.7876% | 614 |
| Net charge-offs to loans | 0.0810% | 1,494 |
| Credit loss provision to net charge-offs | 542.4084% | 1,228 |
| Earnings coverage of net charge-offs (x) | 31.9005% | 1,527 |
| Efficiency ratio | 54.0723% | 4,139 |
| Assets per employee ($millions) | 4.9314% | 3,338 |
| Cash dividends to net income (ytd only)* | 27.6059% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8335% | 677 |
| Loan loss allowance to noncurrent loans | 153.7511% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 0.9472% | 1,190 |
| Noncurrent loans to loans | 1.1925% | 1,275 |
| Net loans and leases to total assets | 77.5476% | 890 |
| Net loans and leases to deposits | 92.2603% | 1,051 |
| Net loans and leases to core deposits | 102.6126% | 1,003 |
| Total domestic deposits to total assets | 84.0530% | 2,803 |
| Equity capital to assets | 9.1424% | 4,004 |
| Core capital (leverage) ratio | 8.8379% | 3,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $783,828,750 | 1,060 |
| Average earning assets | $739,375,500 | 1,043 |
| Average equity | $73,477,250 | 1,228 |
| Average total loans | $629,159,250 | 936 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0423% | 770 |
| Cost of funding earning assets | 0.8944% | 1,401 |
| Net interest margin | 4.1479% | 1,021 |
| Noninterest income to average assets | 0.7906% | 1,464 |
| Noninterest expense to average assets | 2.5515% | 2,823 |
| Loan and lease loss provision to assets | 0.3925% | 1,042 |
| Net operating income to assets | 1.4653% | 983 |
| Return on assets (ROA) | 1.4659% | 1,076 |
| Pretax return on assets | 1.7542% | 884 |
| Return on Equity (ROE) | 15.4992% | 637 |
| Retained earnings to average equity (ytd only) | 12.3740% | 413 |
| Net charge-offs to loans | 0.0458% | 1,832 |
| Credit loss provision to net charge-offs | 1,060.5634% | 760 |
| Earnings coverage of net charge-offs (x) | 57.9789% | 993 |
| Efficiency ratio | 53.6899% | 4,213 |
| Assets per employee ($millions) | 5.0094% | 3,163 |
| Cash dividends to net income (ytd only)* | 20.1636% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7948% | 659 |
| Loan loss allowance to noncurrent loans | 174.3099% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 0.8072% | 1,540 |
| Noncurrent loans to loans | 1.0297% | 1,511 |
| Net loans and leases to total assets | 76.3603% | 1,077 |
| Net loans and leases to deposits | 90.5637% | 1,301 |
| Net loans and leases to core deposits | 102.1879% | 1,109 |
| Total domestic deposits to total assets | 84.3166% | 2,629 |
| Equity capital to assets | 8.8858% | 4,181 |
| Core capital (leverage) ratio | 8.6686% | 4,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $767,300,667 | 1,062 |
| Average earning assets | $722,723,000 | 1,043 |
| Average equity | $72,571,667 | 1,231 |
| Average total loans | $619,424,667 | 940 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7308% | 1,614 |
| Cost of funding earning assets | 1.0215% | 1,330 |
| Net interest margin | 3.7093% | 2,293 |
| Noninterest income to average assets | 0.8108% | 1,279 |
| Noninterest expense to average assets | 2.6098% | 2,955 |
| Loan and lease loss provision to assets | 0.3101% | 1,002 |
| Net operating income to assets | 1.2793% | 1,299 |
| Return on assets (ROA) | 1.2808% | 1,390 |
| Pretax return on assets | 1.3756% | 1,638 |
| Return on Equity (ROE) | 13.0858% | 868 |
| Retained earnings to average equity (ytd only) | 13.0858% | 312 |
| Net charge-offs to loans | 0.0365% | 1,689 |
| Credit loss provision to net charge-offs | 1,029.0909% | 562 |
| Earnings coverage of net charge-offs (x) | 55.8909% | 836 |
| Efficiency ratio | 60.0663% | 3,732 |
| Assets per employee ($millions) | 4.3229% | 3,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8199% | 688 |
| Loan loss allowance to noncurrent loans | 173.8270% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 0.8652% | 1,536 |
| Noncurrent loans to loans | 1.0470% | 1,587 |
| Net loans and leases to total assets | 80.4293% | 647 |
| Net loans and leases to deposits | 97.7644% | 745 |
| Net loans and leases to core deposits | 112.4867% | 733 |
| Total domestic deposits to total assets | 82.2685% | 3,338 |
| Equity capital to assets | 9.9385% | 3,848 |
| Core capital (leverage) ratio | 9.6537% | 3,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $730,161,000 | 1,074 |
| Average earning assets | $685,628,500 | 1,055 |
| Average equity | $71,467,000 | 1,243 |
| Average total loans | $601,948,000 | 939 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0728% | 1,279 |
| Cost of funding earning assets | 1.1667% | 1,104 |
| Net interest margin | 3.9061% | 2,158 |
| Noninterest income to average assets | 0.6624% | 1,953 |
| Noninterest expense to average assets | 2.6097% | 3,151 |
| Loan and lease loss provision to assets | 0.3265% | 488 |
| Net operating income to assets | 1.1170% | 2,377 |
| Return on assets (ROA) | 1.1177% | 2,472 |
| Pretax return on assets | 1.3897% | 2,196 |
| Return on Equity (ROE) | 11.6483% | 1,642 |
| Retained earnings to average equity (ytd only) | 6.7013% | 1,523 |
| Net charge-offs to loans | 0.0565% | 2,294 |
| Credit loss provision to net charge-offs | 698.1818% | 458 |
| Earnings coverage of net charge-offs (x) | 36.6848% | 1,388 |
| Efficiency ratio | 59.5990% | 3,753 |
| Assets per employee ($millions) | 4.3437% | 3,447 |
| Cash dividends to net income (ytd only)* | 42.4696% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7147% | 768 |
| Loan loss allowance to noncurrent loans | 169.2646% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 0.8713% | 1,469 |
| Noncurrent loans to loans | 1.0130% | 1,499 |
| Net loans and leases to total assets | 81.5388% | 610 |
| Net loans and leases to deposits | 98.8959% | 682 |
| Net loans and leases to core deposits | 113.6867% | 688 |
| Total domestic deposits to total assets | 82.4491% | 3,381 |
| Equity capital to assets | 9.6371% | 4,233 |
| Core capital (leverage) ratio | 9.1928% | 4,366 |
| Tier 1 risk-based capital ratio | 11.2037% | 4,771 |
| Total risk-based capital ratio | 12.4596% | 4,666 |
| Memoranda: | ||
| Average total assets | $705,760,000 | 1,061 |
| Average earning assets | $661,761,400 | 1,046 |
| Average equity | $67,718,000 | 1,247 |
| Average total loans | $583,786,200 | 928 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0433% | 1,435 |
| Cost of funding earning assets | 1.1797% | 1,081 |
| Net interest margin | 3.8636% | 2,390 |
| Noninterest income to average assets | 0.6560% | 1,964 |
| Noninterest expense to average assets | 2.6233% | 3,093 |
| Loan and lease loss provision to assets | 0.2441% | 677 |
| Net operating income to assets | 1.1537% | 2,347 |
| Return on assets (ROA) | 1.1537% | 2,440 |
| Pretax return on assets | 1.4111% | 2,266 |
| Return on Equity (ROE) | 12.0376% | 1,605 |
| Retained earnings to average equity (ytd only) | 6.3717% | 2,185 |
| Net charge-offs to loans | 0.0581% | 1,992 |
| Credit loss provision to net charge-offs | 508.3333% | 612 |
| Earnings coverage of net charge-offs (x) | 34.4724% | 1,496 |
| Efficiency ratio | 60.5611% | 3,532 |
| Assets per employee ($millions) | 4.4159% | 3,324 |
| Cash dividends to net income (ytd only)* | 47.0686% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5797% | 1,031 |
| Loan loss allowance to noncurrent loans | 165.1672% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 0.7701% | 1,785 |
| Noncurrent loans to loans | 0.9565% | 1,683 |
| Net loans and leases to total assets | 79.2428% | 952 |
| Net loans and leases to deposits | 96.8424% | 918 |
| Net loans and leases to core deposits | 110.5080% | 929 |
| Total domestic deposits to total assets | 81.8266% | 3,523 |
| Equity capital to assets | 9.3028% | 4,595 |
| Core capital (leverage) ratio | 9.2798% | 4,394 |
| Tier 1 risk-based capital ratio | 11.1089% | 4,859 |
| Total risk-based capital ratio | 12.3631% | 4,753 |
| Memoranda: | ||
| Average total assets | $699,763,500 | 1,072 |
| Average earning assets | $656,089,750 | 1,055 |
| Average equity | $67,066,000 | 1,258 |
| Average total loans | $578,381,000 | 936 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0156% | 1,445 |
| Cost of funding earning assets | 1.1650% | 1,092 |
| Net interest margin | 3.8506% | 2,407 |
| Noninterest income to average assets | 0.6192% | 2,071 |
| Noninterest expense to average assets | 2.6640% | 3,019 |
| Loan and lease loss provision to assets | 0.2491% | 619 |
| Net operating income to assets | 1.1229% | 2,433 |
| Return on assets (ROA) | 1.1229% | 2,505 |
| Pretax return on assets | 1.3174% | 2,491 |
| Return on Equity (ROE) | 11.5935% | 1,746 |
| Retained earnings to average equity (ytd only) | 5.4203% | 2,560 |
| Net charge-offs to loans | 0.0780% | 1,584 |
| Credit loss provision to net charge-offs | 382.9596% | 747 |
| Earnings coverage of net charge-offs (x) | 24.0852% | 1,637 |
| Efficiency ratio | 62.1923% | 3,405 |
| Assets per employee ($millions) | 4.2250% | 3,533 |
| Cash dividends to net income (ytd only)* | 53.2468% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5076% | 1,253 |
| Loan loss allowance to noncurrent loans | 155.3989% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 0.8370% | 1,684 |
| Noncurrent loans to loans | 0.9701% | 1,687 |
| Net loans and leases to total assets | 83.6846% | 386 |
| Net loans and leases to deposits | 100.1083% | 674 |
| Net loans and leases to core deposits | 115.7559% | 693 |
| Total domestic deposits to total assets | 83.5941% | 3,015 |
| Equity capital to assets | 9.5803% | 4,331 |
| Core capital (leverage) ratio | 9.2590% | 4,398 |
| Tier 1 risk-based capital ratio | 10.9239% | 4,948 |
| Total risk-based capital ratio | 12.1774% | 4,855 |
| Memoranda: | ||
| Average total assets | $685,730,000 | 1,087 |
| Average earning assets | $643,115,330 | 1,070 |
| Average equity | $66,416,670 | 1,266 |
| Average total loans | $572,071,330 | 947 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8605% | 1,728 |
| Cost of funding earning assets | 1.1169% | 1,132 |
| Net interest margin | 3.7436% | 2,733 |
| Noninterest income to average assets | 0.6108% | 2,000 |
| Noninterest expense to average assets | 2.7600% | 2,705 |
| Loan and lease loss provision to assets | 0.2527% | 572 |
| Net operating income to assets | 1.0459% | 2,674 |
| Return on assets (ROA) | 1.0459% | 2,716 |
| Pretax return on assets | 1.1015% | 3,145 |
| Return on Equity (ROE) | 10.7372% | 2,059 |
| Retained earnings to average equity (ytd only) | 3.1416% | 3,683 |
| Net charge-offs to loans | 0.0315% | 1,818 |
| Credit loss provision to net charge-offs | 970.4545% | 386 |
| Earnings coverage of net charge-offs (x) | 52.0000% | 1,001 |
| Efficiency ratio | 66.2782% | 2,904 |
| Assets per employee ($millions) | 4.1638% | 3,678 |
| Cash dividends to net income (ytd only)* | 70.7414% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5789% | 1,103 |
| Loan loss allowance to noncurrent loans | 197.9730% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 0.6837% | 2,051 |
| Noncurrent loans to loans | 0.7975% | 2,044 |
| Net loans and leases to total assets | 80.2388% | 803 |
| Net loans and leases to deposits | 96.2783% | 935 |
| Net loans and leases to core deposits | 106.3530% | 1,154 |
| Total domestic deposits to total assets | 83.3404% | 3,273 |
| Equity capital to assets | 9.6863% | 4,102 |
| Core capital (leverage) ratio | 9.4113% | 4,242 |
| Tier 1 risk-based capital ratio | 11.5204% | 4,735 |
| Total risk-based capital ratio | 12.7747% | 4,624 |
| Memoranda: | ||
| Average total assets | $675,808,000 | 1,102 |
| Average earning assets | $632,441,500 | 1,088 |
| Average equity | $65,827,000 | 1,270 |
| Average total loans | $558,359,500 | 966 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9065% | 1,266 |
| Cost of funding earning assets | 0.9111% | 1,050 |
| Net interest margin | 3.9954% | 1,996 |
| Noninterest income to average assets | 0.6635% | 1,997 |
| Noninterest expense to average assets | 2.6836% | 3,081 |
| Loan and lease loss provision to assets | 0.2987% | 540 |
| Net operating income to assets | 1.1697% | 2,315 |
| Return on assets (ROA) | 1.1697% | 2,307 |
| Pretax return on assets | 1.4432% | 1,977 |
| Return on Equity (ROE) | 12.2875% | 1,616 |
| Retained earnings to average equity (ytd only) | -1.8492% | 5,122 |
| Net charge-offs to loans | 0.1913% | 1,002 |
| Credit loss provision to net charge-offs | 182.1464% | 1,555 |
| Earnings coverage of net charge-offs (x) | 10.6209% | 2,702 |
| Efficiency ratio | 60.4305% | 3,782 |
| Assets per employee ($millions) | 4.3997% | 3,309 |
| Cash dividends to net income (ytd only)* | 115.0492% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5012% | 1,283 |
| Loan loss allowance to noncurrent loans | 160.3471% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 0.8266% | 1,693 |
| Noncurrent loans to loans | 0.9362% | 1,717 |
| Net loans and leases to total assets | 82.4820% | 594 |
| Net loans and leases to deposits | 100.9369% | 674 |
| Net loans and leases to core deposits | 111.8673% | 890 |
| Total domestic deposits to total assets | 81.7164% | 3,716 |
| Equity capital to assets | 9.7958% | 3,865 |
| Core capital (leverage) ratio | 9.3510% | 4,301 |
| Tier 1 risk-based capital ratio | 11.4394% | 4,748 |
| Total risk-based capital ratio | 12.6930% | 4,659 |
| Memoranda: | ||
| Average total assets | $607,871,000 | 1,187 |
| Average earning assets | $572,383,000 | 1,176 |
| Average equity | $57,863,800 | 1,361 |
| Average total loans | $521,095,400 | 1,005 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8085% | 1,404 |
| Cost of funding earning assets | 0.8579% | 1,083 |
| Net interest margin | 3.9507% | 2,128 |
| Noninterest income to average assets | 0.6373% | 2,132 |
| Noninterest expense to average assets | 2.6086% | 3,257 |
| Loan and lease loss provision to assets | 0.3141% | 455 |
| Net operating income to assets | 1.1944% | 2,265 |
| Return on assets (ROA) | 1.1944% | 2,265 |
| Pretax return on assets | 1.4382% | 2,096 |
| Return on Equity (ROE) | 12.6509% | 1,560 |
| Retained earnings to average equity (ytd only) | -5.1733% | 5,324 |
| Net charge-offs to loans | 0.2417% | 706 |
| Credit loss provision to net charge-offs | 150.5933% | 1,702 |
| Earnings coverage of net charge-offs (x) | 8.4024% | 2,714 |
| Efficiency ratio | 59.8174% | 3,839 |
| Assets per employee ($millions) | 4.0228% | 3,849 |
| Cash dividends to net income (ytd only)* | 140.8928% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4705% | 1,450 |
| Loan loss allowance to noncurrent loans | 131.3713% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 0.9648% | 1,510 |
| Noncurrent loans to loans | 1.1193% | 1,522 |
| Net loans and leases to total assets | 81.3340% | 822 |
| Net loans and leases to deposits | 100.7230% | 725 |
| Net loans and leases to core deposits | 111.0478% | 968 |
| Total domestic deposits to total assets | 80.7502% | 3,940 |
| Equity capital to assets | 9.6725% | 3,935 |
| Core capital (leverage) ratio | 9.3731% | 4,309 |
| Tier 1 risk-based capital ratio | 11.3267% | 4,885 |
| Total risk-based capital ratio | 12.5795% | 4,777 |
| Memoranda: | ||
| Average total assets | $592,650,250 | 1,219 |
| Average earning assets | $558,576,250 | 1,205 |
| Average equity | $55,952,250 | 1,402 |
| Average total loans | $511,367,000 | 1,025 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8620% | 1,102 |
| Cost of funding earning assets | 0.8456% | 939 |
| Net interest margin | 4.0164% | 1,805 |
| Noninterest income to average assets | 0.6426% | 2,128 |
| Noninterest expense to average assets | 2.6878% | 3,052 |
| Loan and lease loss provision to assets | 0.3431% | 386 |
| Net operating income to assets | 1.2071% | 2,165 |
| Return on assets (ROA) | 1.2071% | 2,163 |
| Pretax return on assets | 1.4033% | 2,134 |
| Return on Equity (ROE) | 12.9093% | 1,402 |
| Retained earnings to average equity (ytd only) | 7.6463% | 1,775 |
| Net charge-offs to loans | 0.2781% | 573 |
| Credit loss provision to net charge-offs | 140.6340% | 1,641 |
| Earnings coverage of net charge-offs (x) | 7.1585% | 2,569 |
| Efficiency ratio | 60.6152% | 3,833 |
| Assets per employee ($millions) | 3.9037% | 4,048 |
| Cash dividends to net income (ytd only)* | 40.7688% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5653% | 1,193 |
| Loan loss allowance to noncurrent loans | 168.2343% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 0.8152% | 1,835 |
| Noncurrent loans to loans | 0.9304% | 1,866 |
| Net loans and leases to total assets | 86.2458% | 245 |
| Net loans and leases to deposits | 103.3486% | 563 |
| Net loans and leases to core deposits | 114.8981% | 749 |
| Total domestic deposits to total assets | 83.4514% | 3,263 |
| Equity capital to assets | 9.4490% | 4,153 |
| Core capital (leverage) ratio | 9.2629% | 4,401 |
| Tier 1 risk-based capital ratio | 11.2266% | 4,938 |
| Total risk-based capital ratio | 12.4813% | 4,831 |
| Memoranda: | ||
| Average total assets | $568,944,670 | 1,256 |
| Average earning assets | $537,101,670 | 1,245 |
| Average equity | $53,202,000 | 1,454 |
| Average total loans | $499,181,000 | 1,049 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7395% | 1,212 |
| Cost of funding earning assets | 0.7678% | 1,107 |
| Net interest margin | 3.9716% | 1,808 |
| Noninterest income to average assets | 0.6263% | 2,146 |
| Noninterest expense to average assets | 2.7467% | 2,884 |
| Loan and lease loss provision to assets | 0.3919% | 291 |
| Net operating income to assets | 1.1820% | 2,083 |
| Return on assets (ROA) | 1.1820% | 2,094 |
| Pretax return on assets | 1.2314% | 2,633 |
| Return on Equity (ROE) | 12.7079% | 1,347 |
| Retained earnings to average equity (ytd only) | 7.3940% | 2,108 |
| Net charge-offs to loans | 0.4705% | 322 |
| Credit loss provision to net charge-offs | 94.8718% | 1,634 |
| Earnings coverage of net charge-offs (x) | 3.9299% | 2,347 |
| Efficiency ratio | 62.8534% | 3,658 |
| Assets per employee ($millions) | 3.9064% | 4,142 |
| Cash dividends to net income (ytd only)* | 41.8160% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5258% | 1,365 |
| Loan loss allowance to noncurrent loans | 131.3065% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 1.0162% | 1,547 |
| Noncurrent loans to loans | 1.1620% | 1,563 |
| Net loans and leases to total assets | 86.1190% | 246 |
| Net loans and leases to deposits | 104.3302% | 464 |
| Net loans and leases to core deposits | 124.6043% | 456 |
| Total domestic deposits to total assets | 82.5446% | 3,802 |
| Equity capital to assets | 9.3870% | 4,198 |
| Core capital (leverage) ratio | 9.3827% | 4,211 |
| Tier 1 risk-based capital ratio | 11.1162% | 5,075 |
| Total risk-based capital ratio | 12.3704% | 4,973 |
| Memoranda: | ||
| Average total assets | $566,493,000 | 1,271 |
| Average earning assets | $533,985,500 | 1,253 |
| Average equity | $52,691,500 | 1,469 |
| Average total loans | $497,376,500 | 1,055 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7887% | 996 |
| Cost of funding earning assets | 0.6625% | 1,238 |
| Net interest margin | 4.1262% | 1,358 |
| Noninterest income to average assets | 0.9021% | 1,261 |
| Noninterest expense to average assets | 2.7447% | 2,980 |
| Loan and lease loss provision to assets | 0.3555% | 441 |
| Net operating income to assets | 1.0060% | 2,217 |
| Return on assets (ROA) | 1.0063% | 2,252 |
| Pretax return on assets | 1.6744% | 1,083 |
| Return on Equity (ROE) | 10.9015% | 1,525 |
| Retained earnings to average equity (ytd only) | 5.8156% | 1,647 |
| Net charge-offs to loans | 0.3770% | 672 |
| Credit loss provision to net charge-offs | 108.6645% | 2,398 |
| Earnings coverage of net charge-offs (x) | 6.2025% | 3,215 |
| Efficiency ratio | 57.4908% | 4,590 |
| Assets per employee ($millions) | 3.9899% | 3,981 |
| Cash dividends to net income (ytd only)* | 46.6535% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5194% | 1,345 |
| Loan loss allowance to noncurrent loans | 153.3859% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 0.8788% | 1,774 |
| Noncurrent loans to loans | 0.9906% | 1,785 |
| Net loans and leases to total assets | 86.8058% | 204 |
| Net loans and leases to deposits | 105.9718% | 400 |
| Net loans and leases to core deposits | 127.0646% | 409 |
| Total domestic deposits to total assets | 81.9140% | 3,892 |
| Equity capital to assets | 9.2157% | 4,514 |
| Core capital (leverage) ratio | 9.3141% | 4,274 |
| Tier 1 risk-based capital ratio | 10.8556% | 5,228 |
| Total risk-based capital ratio | 12.1098% | 5,118 |
| Memoranda: | ||
| Average total assets | $553,796,600 | 1,274 |
| Average earning assets | $519,679,600 | 1,258 |
| Average equity | $51,121,200 | 1,499 |
| Average total loans | $480,663,200 | 1,067 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7452% | 1,044 |
| Cost of funding earning assets | 0.6555% | 1,200 |
| Net interest margin | 4.0897% | 1,417 |
| Noninterest income to average assets | 0.9078% | 1,248 |
| Noninterest expense to average assets | 2.7073% | 3,041 |
| Loan and lease loss provision to assets | 0.3310% | 455 |
| Net operating income to assets | 1.2175% | 1,619 |
| Return on assets (ROA) | 1.2175% | 1,647 |
| Pretax return on assets | 1.7055% | 1,109 |
| Return on Equity (ROE) | 13.1840% | 1,014 |
| Retained earnings to average equity (ytd only) | 8.2020% | 1,137 |
| Net charge-offs to loans | 0.3714% | 565 |
| Credit loss provision to net charge-offs | 103.0920% | 2,227 |
| Earnings coverage of net charge-offs (x) | 6.3424% | 2,993 |
| Efficiency ratio | 57.0699% | 4,606 |
| Assets per employee ($millions) | 3.9499% | 4,074 |
| Cash dividends to net income (ytd only)* | 37.7884% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5246% | 1,447 |
| Loan loss allowance to noncurrent loans | 160.2058% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 0.8850% | 1,946 |
| Noncurrent loans to loans | 0.9517% | 2,022 |
| Net loans and leases to total assets | 86.6551% | 218 |
| Net loans and leases to deposits | 103.4929% | 528 |
| Net loans and leases to core deposits | 126.1189% | 407 |
| Total domestic deposits to total assets | 83.7305% | 3,218 |
| Equity capital to assets | 9.4100% | 4,534 |
| Core capital (leverage) ratio | 9.3370% | 4,362 |
| Tier 1 risk-based capital ratio | 11.0069% | 5,244 |
| Total risk-based capital ratio | 12.2608% | 5,132 |
| Memoranda: | ||
| Average total assets | $550,604,500 | 1,293 |
| Average earning assets | $516,435,500 | 1,277 |
| Average equity | $50,848,250 | 1,519 |
| Average total loans | $475,979,250 | 1,079 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6472% | 1,161 |
| Cost of funding earning assets | 0.6495% | 1,144 |
| Net interest margin | 3.9977% | 1,612 |
| Noninterest income to average assets | 0.8288% | 1,474 |
| Noninterest expense to average assets | 2.6808% | 3,160 |
| Loan and lease loss provision to assets | 0.2979% | 520 |
| Net operating income to assets | 1.1843% | 1,649 |
| Return on assets (ROA) | 1.1843% | 1,682 |
| Pretax return on assets | 1.6004% | 1,341 |
| Return on Equity (ROE) | 12.9072% | 1,060 |
| Retained earnings to average equity (ytd only) | 8.1385% | 1,107 |
| Net charge-offs to loans | 0.4452% | 449 |
| Credit loss provision to net charge-offs | 77.8837% | 2,286 |
| Earnings coverage of net charge-offs (x) | 4.9628% | 2,871 |
| Efficiency ratio | 58.5444% | 4,525 |
| Assets per employee ($millions) | 3.9677% | 4,010 |
| Cash dividends to net income (ytd only)* | 36.9458% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4917% | 1,603 |
| Loan loss allowance to noncurrent loans | 102.7988% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 1.3084% | 1,260 |
| Noncurrent loans to loans | 1.4511% | 1,307 |
| Net loans and leases to total assets | 85.5838% | 302 |
| Net loans and leases to deposits | 102.5168% | 575 |
| Net loans and leases to core deposits | 122.3785% | 483 |
| Total domestic deposits to total assets | 83.4827% | 3,407 |
| Equity capital to assets | 9.2392% | 4,682 |
| Core capital (leverage) ratio | 9.1873% | 4,510 |
| Tier 1 risk-based capital ratio | 10.9209% | 5,297 |
| Total risk-based capital ratio | 12.1745% | 5,198 |
| Memoranda: | ||
| Average total assets | $548,496,000 | 1,305 |
| Average earning assets | $514,547,000 | 1,289 |
| Average equity | $50,328,670 | 1,530 |
| Average total loans | $471,279,000 | 1,090 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5003% | 1,373 |
| Cost of funding earning assets | 0.6425% | 1,113 |
| Net interest margin | 3.8579% | 1,927 |
| Noninterest income to average assets | 0.8242% | 1,472 |
| Noninterest expense to average assets | 2.6488% | 3,308 |
| Loan and lease loss provision to assets | 0.2848% | 498 |
| Net operating income to assets | 1.2338% | 1,418 |
| Return on assets (ROA) | 1.2338% | 1,454 |
| Pretax return on assets | 1.5090% | 1,506 |
| Return on Equity (ROE) | 13.4933% | 904 |
| Retained earnings to average equity (ytd only) | 7.8745% | 1,511 |
| Net charge-offs to loans | 0.5859% | 303 |
| Credit loss provision to net charge-offs | 56.8915% | 1,934 |
| Earnings coverage of net charge-offs (x) | 3.5836% | 2,470 |
| Efficiency ratio | 59.6233% | 4,508 |
| Assets per employee ($millions) | 4.0343% | 3,954 |
| Cash dividends to net income (ytd only)* | 41.6419% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5197% | 1,627 |
| Loan loss allowance to noncurrent loans | 115.7289% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 1.1077% | 1,605 |
| Noncurrent loans to loans | 1.3131% | 1,542 |
| Net loans and leases to total assets | 83.0743% | 452 |
| Net loans and leases to deposits | 100.8082% | 562 |
| Net loans and leases to core deposits | 118.3388% | 511 |
| Total domestic deposits to total assets | 82.4083% | 4,055 |
| Equity capital to assets | 9.0294% | 4,778 |
| Core capital (leverage) ratio | 9.3055% | 4,334 |
| Tier 1 risk-based capital ratio | 11.0402% | 5,284 |
| Total risk-based capital ratio | 12.2942% | 5,191 |
| Memoranda: | ||
| Average total assets | $545,005,000 | 1,311 |
| Average earning assets | $511,165,500 | 1,289 |
| Average equity | $49,832,000 | 1,541 |
| Average total loans | $465,619,500 | 1,100 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7705% | 934 |
| Cost of funding earning assets | 0.6279% | 1,163 |
| Net interest margin | 4.1425% | 1,266 |
| Noninterest income to average assets | 0.8482% | 1,583 |
| Noninterest expense to average assets | 2.8064% | 2,998 |
| Loan and lease loss provision to assets | 0.3282% | 545 |
| Net operating income to assets | 1.1142% | 1,844 |
| Return on assets (ROA) | 1.1142% | 1,933 |
| Pretax return on assets | 1.5971% | 1,294 |
| Return on Equity (ROE) | 11.8651% | 1,284 |
| Retained earnings to average equity (ytd only) | 6.4339% | 1,480 |
| Net charge-offs to loans | 0.1243% | 2,012 |
| Credit loss provision to net charge-offs | 306.4103% | 967 |
| Earnings coverage of net charge-offs (x) | 17.9762% | 2,005 |
| Efficiency ratio | 59.3110% | 4,687 |
| Assets per employee ($millions) | 3.8643% | 4,202 |
| Cash dividends to net income (ytd only)* | 45.7746% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6099% | 1,347 |
| Loan loss allowance to noncurrent loans | 143.9279% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 1.1231% | 1,656 |
| Noncurrent loans to loans | 1.1185% | 1,847 |
| Net loans and leases to total assets | 85.1657% | 287 |
| Net loans and leases to deposits | 104.1226% | 427 |
| Net loans and leases to core deposits | 121.3178% | 449 |
| Total domestic deposits to total assets | 81.7937% | 4,133 |
| Equity capital to assets | 9.2625% | 4,507 |
| Core capital (leverage) ratio | 9.2966% | 4,352 |
| Tier 1 risk-based capital ratio | 11.0092% | 5,342 |
| Total risk-based capital ratio | 12.2644% | 5,230 |
| Memoranda: | ||
| Average total assets | $509,790,400 | 1,347 |
| Average earning assets | $477,919,400 | 1,327 |
| Average equity | $47,871,600 | 1,581 |
| Average total loans | $439,261,000 | 1,112 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7429% | 994 |
| Cost of funding earning assets | 0.6200% | 1,206 |
| Net interest margin | 4.1228% | 1,335 |
| Noninterest income to average assets | 0.8390% | 1,611 |
| Noninterest expense to average assets | 2.8080% | 2,975 |
| Loan and lease loss provision to assets | 0.3387% | 480 |
| Net operating income to assets | 1.1171% | 1,929 |
| Return on assets (ROA) | 1.1171% | 2,036 |
| Pretax return on assets | 1.5592% | 1,500 |
| Return on Equity (ROE) | 11.8532% | 1,373 |
| Retained earnings to average equity (ytd only) | 6.3786% | 1,971 |
| Net charge-offs to loans | 0.0873% | 2,090 |
| Credit loss provision to net charge-offs | 450.7042% | 773 |
| Earnings coverage of net charge-offs (x) | 25.2569% | 1,643 |
| Efficiency ratio | 59.6705% | 4,591 |
| Assets per employee ($millions) | 3.8454% | 4,226 |
| Cash dividends to net income (ytd only)* | 46.1868% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5979% | 1,478 |
| Loan loss allowance to noncurrent loans | 196.1838% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 0.8621% | 2,398 |
| Noncurrent loans to loans | 0.8145% | 2,633 |
| Net loans and leases to total assets | 84.7129% | 348 |
| Net loans and leases to deposits | 103.4891% | 484 |
| Net loans and leases to core deposits | 120.6747% | 485 |
| Total domestic deposits to total assets | 81.8569% | 3,975 |
| Equity capital to assets | 9.1642% | 5,014 |
| Core capital (leverage) ratio | 9.2396% | 4,543 |
| Tier 1 risk-based capital ratio | 10.7416% | 5,503 |
| Total risk-based capital ratio | 11.9961% | 5,408 |
| Memoranda: | ||
| Average total assets | $503,920,250 | 1,367 |
| Average earning assets | $472,642,000 | 1,339 |
| Average equity | $47,491,000 | 1,596 |
| Average total loans | $433,677,500 | 1,123 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6793% | 1,094 |
| Cost of funding earning assets | 0.6015% | 1,304 |
| Net interest margin | 4.0778% | 1,422 |
| Noninterest income to average assets | 0.8456% | 1,567 |
| Noninterest expense to average assets | 2.8303% | 2,920 |
| Loan and lease loss provision to assets | 0.3156% | 554 |
| Net operating income to assets | 1.1370% | 1,818 |
| Return on assets (ROA) | 1.1370% | 1,934 |
| Pretax return on assets | 1.5184% | 1,612 |
| Return on Equity (ROE) | 11.9463% | 1,347 |
| Retained earnings to average equity (ytd only) | 6.4274% | 1,904 |
| Net charge-offs to loans | 0.1066% | 1,758 |
| Credit loss provision to net charge-offs | 344.0529% | 862 |
| Earnings coverage of net charge-offs (x) | 19.9956% | 1,745 |
| Efficiency ratio | 60.6809% | 4,552 |
| Assets per employee ($millions) | 3.8790% | 4,122 |
| Cash dividends to net income (ytd only)* | 46.1976% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5371% | 1,727 |
| Loan loss allowance to noncurrent loans | 151.6250% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 1.1184% | 1,889 |
| Noncurrent loans to loans | 1.0137% | 2,261 |
| Net loans and leases to total assets | 83.2746% | 486 |
| Net loans and leases to deposits | 101.6853% | 584 |
| Net loans and leases to core deposits | 117.2710% | 603 |
| Total domestic deposits to total assets | 81.8944% | 4,025 |
| Equity capital to assets | 9.0792% | 5,181 |
| Core capital (leverage) ratio | 9.6072% | 4,057 |
| Tier 1 risk-based capital ratio | 10.8092% | 5,522 |
| Total risk-based capital ratio | 12.0631% | 5,443 |
| Memoranda: | ||
| Average total assets | $495,005,670 | 1,398 |
| Average earning assets | $463,529,330 | 1,374 |
| Average equity | $47,111,000 | 1,608 |
| Average total loans | $425,956,330 | 1,146 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7108% | 1,027 |
| Cost of funding earning assets | 0.6106% | 1,267 |
| Net interest margin | 4.1001% | 1,346 |
| Noninterest income to average assets | 0.8297% | 1,520 |
| Noninterest expense to average assets | 2.8918% | 2,735 |
| Loan and lease loss provision to assets | 0.3267% | 468 |
| Net operating income to assets | 1.2232% | 1,482 |
| Return on assets (ROA) | 1.2232% | 1,589 |
| Pretax return on assets | 1.4430% | 1,767 |
| Return on Equity (ROE) | 12.5348% | 1,143 |
| Retained earnings to average equity (ytd only) | 6.9695% | 1,901 |
| Net charge-offs to loans | 0.1260% | 1,347 |
| Credit loss provision to net charge-offs | 298.4733% | 859 |
| Earnings coverage of net charge-offs (x) | 16.1679% | 1,631 |
| Efficiency ratio | 62.0362% | 4,437 |
| Assets per employee ($millions) | 3.5875% | 4,674 |
| Cash dividends to net income (ytd only)* | 44.3989% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5823% | 1,666 |
| Loan loss allowance to noncurrent loans | 179.7371% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 1.1860% | 1,852 |
| Noncurrent loans to loans | 0.8804% | 2,647 |
| Net loans and leases to total assets | 85.5647% | 250 |
| Net loans and leases to deposits | 99.5157% | 660 |
| Net loans and leases to core deposits | 113.3701% | 695 |
| Total domestic deposits to total assets | 85.9811% | 2,681 |
| Equity capital to assets | 9.8882% | 4,228 |
| Core capital (leverage) ratio | 9.8076% | 3,760 |
| Tier 1 risk-based capital ratio | 11.3327% | 5,324 |
| Total risk-based capital ratio | 12.5869% | 5,225 |
| Memoranda: | ||
| Average total assets | $478,736,500 | 1,437 |
| Average earning assets | $447,399,000 | 1,432 |
| Average equity | $46,718,000 | 1,611 |
| Average total loans | $415,850,500 | 1,168 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7246% | 1,061 |
| Cost of funding earning assets | 0.5865% | 1,457 |
| Net interest margin | 4.1381% | 1,312 |
| Noninterest income to average assets | 0.8516% | 1,602 |
| Noninterest expense to average assets | 2.8362% | 3,089 |
| Loan and lease loss provision to assets | 0.1708% | 1,342 |
| Net operating income to assets | 1.1990% | 1,554 |
| Return on assets (ROA) | 1.1990% | 1,627 |
| Pretax return on assets | 1.7171% | 956 |
| Return on Equity (ROE) | 12.5707% | 1,160 |
| Retained earnings to average equity (ytd only) | 7.6393% | 1,050 |
| Net charge-offs to loans | 0.0767% | 2,728 |
| Credit loss provision to net charge-offs | 269.9324% | 1,074 |
| Earnings coverage of net charge-offs (x) | 29.8311% | 1,462 |
| Efficiency ratio | 60.0362% | 4,903 |
| Assets per employee ($millions) | 3.8121% | 4,268 |
| Cash dividends to net income (ytd only)* | 39.2297% | 2,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5122% | 1,947 |
| Loan loss allowance to noncurrent loans | 143.4357% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 1.0220% | 2,149 |
| Noncurrent loans to loans | 1.0543% | 2,227 |
| Net loans and leases to total assets | 85.4760% | 274 |
| Net loans and leases to deposits | 100.9528% | 612 |
| Net loans and leases to core deposits | 114.4760% | 657 |
| Total domestic deposits to total assets | 84.6693% | 3,227 |
| Equity capital to assets | 9.6298% | 4,399 |
| Core capital (leverage) ratio | 9.7811% | 3,801 |
| Tier 1 risk-based capital ratio | 11.1581% | 5,437 |
| Total risk-based capital ratio | 12.4117% | 5,339 |
| Memoranda: | ||
| Average total assets | $467,710,200 | 1,439 |
| Average earning assets | $437,686,200 | 1,423 |
| Average equity | $44,611,600 | 1,655 |
| Average total loans | $385,851,800 | 1,198 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7065% | 1,089 |
| Cost of funding earning assets | 0.5798% | 1,547 |
| Net interest margin | 4.1267% | 1,329 |
| Noninterest income to average assets | 0.8475% | 1,630 |
| Noninterest expense to average assets | 2.8230% | 3,099 |
| Loan and lease loss provision to assets | 0.1748% | 1,215 |
| Net operating income to assets | 1.2235% | 1,574 |
| Return on assets (ROA) | 1.2235% | 1,634 |
| Pretax return on assets | 1.7126% | 1,071 |
| Return on Equity (ROE) | 12.8592% | 1,161 |
| Retained earnings to average equity (ytd only) | 7.8820% | 1,286 |
| Net charge-offs to loans | 0.0610% | 2,722 |
| Credit loss provision to net charge-offs | 352.0231% | 836 |
| Earnings coverage of net charge-offs (x) | 38.0117% | 1,292 |
| Efficiency ratio | 59.9318% | 4,901 |
| Assets per employee ($millions) | 3.7436% | 4,370 |
| Cash dividends to net income (ytd only)* | 38.7052% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6028% | 1,785 |
| Loan loss allowance to noncurrent loans | 154.1522% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 0.9745% | 2,409 |
| Noncurrent loans to loans | 1.0398% | 2,396 |
| Net loans and leases to total assets | 81.8235% | 594 |
| Net loans and leases to deposits | 94.7222% | 1,117 |
| Net loans and leases to core deposits | 109.6779% | 894 |
| Total domestic deposits to total assets | 86.3826% | 2,336 |
| Equity capital to assets | 9.7223% | 4,490 |
| Core capital (leverage) ratio | 9.6522% | 4,100 |
| Tier 1 risk-based capital ratio | 11.7043% | 5,264 |
| Total risk-based capital ratio | 12.9587% | 5,179 |
| Memoranda: | ||
| Average total assets | $464,555,250 | 1,456 |
| Average earning assets | $434,850,750 | 1,433 |
| Average equity | $44,200,750 | 1,676 |
| Average total loans | $378,097,000 | 1,219 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6293% | 1,215 |
| Cost of funding earning assets | 0.5730% | 1,622 |
| Net interest margin | 4.0564% | 1,481 |
| Noninterest income to average assets | 0.8610% | 1,568 |
| Noninterest expense to average assets | 2.8199% | 3,162 |
| Loan and lease loss provision to assets | 0.1808% | 1,129 |
| Net operating income to assets | 1.2304% | 1,515 |
| Return on assets (ROA) | 1.2304% | 1,587 |
| Pretax return on assets | 1.6551% | 1,183 |
| Return on Equity (ROE) | 13.0274% | 1,109 |
| Retained earnings to average equity (ytd only) | 8.0010% | 1,268 |
| Net charge-offs to loans | 0.0710% | 2,373 |
| Credit loss provision to net charge-offs | 315.0376% | 903 |
| Earnings coverage of net charge-offs (x) | 31.9850% | 1,313 |
| Efficiency ratio | 60.5673% | 4,903 |
| Assets per employee ($millions) | 3.8139% | 4,234 |
| Cash dividends to net income (ytd only)* | 38.5830% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5794% | 1,972 |
| Loan loss allowance to noncurrent loans | 166.7214% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 0.9507% | 2,632 |
| Noncurrent loans to loans | 0.9473% | 2,758 |
| Net loans and leases to total assets | 80.8600% | 690 |
| Net loans and leases to deposits | 92.0218% | 1,373 |
| Net loans and leases to core deposits | 107.3058% | 1,005 |
| Total domestic deposits to total assets | 87.8705% | 1,714 |
| Equity capital to assets | 9.5099% | 4,641 |
| Core capital (leverage) ratio | 9.4139% | 4,397 |
| Tier 1 risk-based capital ratio | 11.5636% | 5,423 |
| Total risk-based capital ratio | 12.8178% | 5,336 |
| Memoranda: | ||
| Average total assets | $463,425,330 | 1,466 |
| Average earning assets | $433,538,670 | 1,446 |
| Average equity | $43,769,330 | 1,702 |
| Average total loans | $374,420,670 | 1,233 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5282% | 1,385 |
| Cost of funding earning assets | 0.5677% | 1,682 |
| Net interest margin | 3.9606% | 1,686 |
| Noninterest income to average assets | 0.8693% | 1,500 |
| Noninterest expense to average assets | 2.8573% | 3,039 |
| Loan and lease loss provision to assets | 0.1824% | 1,049 |
| Net operating income to assets | 1.2697% | 1,361 |
| Return on assets (ROA) | 1.2697% | 1,441 |
| Pretax return on assets | 1.5320% | 1,453 |
| Return on Equity (ROE) | 13.4908% | 986 |
| Retained earnings to average equity (ytd only) | 8.4156% | 1,407 |
| Net charge-offs to loans | 0.1529% | 1,342 |
| Credit loss provision to net charge-offs | 148.9362% | 1,258 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 1,691 |
| Efficiency ratio | 62.5000% | 4,704 |
| Assets per employee ($millions) | 3.7884% | 4,359 |
| Cash dividends to net income (ytd only)* | 37.6197% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5991% | 2,053 |
| Loan loss allowance to noncurrent loans | 189.9676% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 0.8503% | 2,953 |
| Noncurrent loans to loans | 0.8418% | 3,142 |
| Net loans and leases to total assets | 78.1530% | 900 |
| Net loans and leases to deposits | 88.9796% | 1,510 |
| Net loans and leases to core deposits | 101.7803% | 1,193 |
| Total domestic deposits to total assets | 87.8325% | 1,910 |
| Equity capital to assets | 9.4751% | 4,779 |
| Core capital (leverage) ratio | 9.4747% | 4,318 |
| Tier 1 risk-based capital ratio | 11.7250% | 5,423 |
| Total risk-based capital ratio | 12.9791% | 5,323 |
| Memoranda: | ||
| Average total assets | $460,582,000 | 1,477 |
| Average earning assets | $430,545,000 | 1,459 |
| Average equity | $43,348,000 | 1,716 |
| Average total loans | $368,925,500 | 1,245 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5138% | 1,812 |
| Cost of funding earning assets | 0.6133% | 1,648 |
| Net interest margin | 3.9006% | 2,241 |
| Noninterest income to average assets | 0.7055% | 2,278 |
| Noninterest expense to average assets | 2.7228% | 3,779 |
| Loan and lease loss provision to assets | 0.1059% | 2,386 |
| Net operating income to assets | 1.0611% | 2,122 |
| Return on assets (ROA) | 1.0579% | 2,195 |
| Pretax return on assets | 1.5118% | 1,499 |
| Return on Equity (ROE) | 11.2466% | 1,639 |
| Retained earnings to average equity (ytd only) | 0.6433% | 5,475 |
| Net charge-offs to loans | 0.1814% | 2,216 |
| Credit loss provision to net charge-offs | 74.9216% | 2,971 |
| Earnings coverage of net charge-offs (x) | 11.4734% | 2,483 |
| Efficiency ratio | 62.6626% | 4,799 |
| Assets per employee ($millions) | 3.8897% | 4,189 |
| Cash dividends to net income (ytd only)* | 94.2803% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5646% | 2,212 |
| Loan loss allowance to noncurrent loans | 192.9807% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 0.7846% | 3,244 |
| Noncurrent loans to loans | 0.8107% | 3,287 |
| Net loans and leases to total assets | 79.5175% | 807 |
| Net loans and leases to deposits | 90.3698% | 1,481 |
| Net loans and leases to core deposits | 102.4017% | 1,217 |
| Total domestic deposits to total assets | 87.9913% | 1,780 |
| Equity capital to assets | 9.3476% | 4,914 |
| Core capital (leverage) ratio | 9.4212% | 4,359 |
| Tier 1 risk-based capital ratio | 12.1015% | 5,293 |
| Total risk-based capital ratio | 13.3403% | 5,210 |
| Memoranda: | ||
| Average total assets | $451,195,400 | 1,475 |
| Average earning assets | $421,017,200 | 1,459 |
| Average equity | $42,439,400 | 1,692 |
| Average total loans | $351,746,800 | 1,254 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4620% | 2,013 |
| Cost of funding earning assets | 0.6180% | 1,694 |
| Net interest margin | 3.8440% | 2,460 |
| Noninterest income to average assets | 0.6912% | 2,374 |
| Noninterest expense to average assets | 2.7337% | 3,696 |
| Loan and lease loss provision to assets | 0.0852% | 2,654 |
| Net operating income to assets | 1.0447% | 2,257 |
| Return on assets (ROA) | 1.0402% | 2,339 |
| Pretax return on assets | 1.4528% | 1,795 |
| Return on Equity (ROE) | 11.0417% | 1,775 |
| Retained earnings to average equity (ytd only) | -1.5594% | 6,038 |
| Net charge-offs to loans | 0.1207% | 2,605 |
| Credit loss provision to net charge-offs | 91.4013% | 2,404 |
| Earnings coverage of net charge-offs (x) | 16.5699% | 1,962 |
| Efficiency ratio | 63.9031% | 4,560 |
| Assets per employee ($millions) | 3.7990% | 4,292 |
| Cash dividends to net income (ytd only)* | 114.1226% | 241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6549% | 2,121 |
| Loan loss allowance to noncurrent loans | 189.7059% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.8405% | 3,315 |
| Noncurrent loans to loans | 0.8723% | 3,384 |
| Net loans and leases to total assets | 78.6655% | 874 |
| Net loans and leases to deposits | 89.5865% | 1,469 |
| Net loans and leases to core deposits | 101.0415% | 1,291 |
| Total domestic deposits to total assets | 87.8096% | 1,860 |
| Equity capital to assets | 9.4033% | 4,913 |
| Core capital (leverage) ratio | 9.2015% | 4,788 |
| Tier 1 risk-based capital ratio | 12.4022% | 5,225 |
| Total risk-based capital ratio | 13.6583% | 5,151 |
| Memoranda: | ||
| Average total assets | $449,248,750 | 1,489 |
| Average earning assets | $419,169,250 | 1,466 |
| Average equity | $42,323,250 | 1,708 |
| Average total loans | $346,990,500 | 1,271 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3735% | 2,281 |
| Cost of funding earning assets | 0.6171% | 1,759 |
| Net interest margin | 3.7564% | 2,732 |
| Noninterest income to average assets | 0.6709% | 2,425 |
| Noninterest expense to average assets | 2.7239% | 3,781 |
| Loan and lease loss provision to assets | 0.0854% | 2,599 |
| Net operating income to assets | 1.0101% | 2,289 |
| Return on assets (ROA) | 1.0032% | 2,379 |
| Pretax return on assets | 1.3564% | 2,054 |
| Return on Equity (ROE) | 10.6418% | 1,872 |
| Retained earnings to average equity (ytd only) | -5.8754% | 6,286 |
| Net charge-offs to loans | 0.0519% | 3,229 |
| Credit loss provision to net charge-offs | 215.7303% | 1,101 |
| Earnings coverage of net charge-offs (x) | 36.6517% | 1,117 |
| Efficiency ratio | 65.2424% | 4,478 |
| Assets per employee ($millions) | 3.8758% | 4,119 |
| Cash dividends to net income (ytd only)* | 155.2106% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7313% | 2,030 |
| Loan loss allowance to noncurrent loans | 171.0096% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 0.8188% | 3,511 |
| Noncurrent loans to loans | 1.0124% | 3,210 |
| Net loans and leases to total assets | 75.8999% | 1,178 |
| Net loans and leases to deposits | 86.1182% | 1,807 |
| Net loans and leases to core deposits | 97.1624% | 1,511 |
| Total domestic deposits to total assets | 88.1347% | 1,828 |
| Equity capital to assets | 9.1324% | 5,174 |
| Core capital (leverage) ratio | 9.0156% | 4,998 |
| Tier 1 risk-based capital ratio | 12.4274% | 5,281 |
| Total risk-based capital ratio | 13.6848% | 5,193 |
| Memoranda: | ||
| Average total assets | $449,572,000 | 1,483 |
| Average earning assets | $419,389,330 | 1,467 |
| Average equity | $42,380,000 | 1,691 |
| Average total loans | $343,129,000 | 1,280 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2345% | 2,747 |
| Cost of funding earning assets | 0.6166% | 1,844 |
| Net interest margin | 3.6179% | 3,184 |
| Noninterest income to average assets | 0.6559% | 2,427 |
| Noninterest expense to average assets | 2.7541% | 3,731 |
| Loan and lease loss provision to assets | 0.0858% | 2,476 |
| Net operating income to assets | 0.9733% | 2,310 |
| Return on assets (ROA) | 0.9580% | 2,439 |
| Pretax return on assets | 1.1635% | 2,643 |
| Return on Equity (ROE) | 10.0038% | 2,034 |
| Retained earnings to average equity (ytd only) | 5.3379% | 2,896 |
| Net charge-offs to loans | 0.0695% | 2,454 |
| Credit loss provision to net charge-offs | 162.7119% | 1,194 |
| Earnings coverage of net charge-offs (x) | 24.0508% | 1,194 |
| Efficiency ratio | 68.4737% | 4,097 |
| Assets per employee ($millions) | 3.9141% | 4,119 |
| Cash dividends to net income (ytd only)* | 46.6418% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7804% | 2,103 |
| Loan loss allowance to noncurrent loans | 321.6086% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.4514% | 4,781 |
| Noncurrent loans to loans | 0.5536% | 4,502 |
| Net loans and leases to total assets | 73.5125% | 1,346 |
| Net loans and leases to deposits | 83.9109% | 1,830 |
| Net loans and leases to core deposits | 93.1608% | 1,626 |
| Total domestic deposits to total assets | 87.6078% | 2,455 |
| Equity capital to assets | 9.5934% | 4,362 |
| Core capital (leverage) ratio | 9.6435% | 4,074 |
| Tier 1 risk-based capital ratio | 13.5489% | 4,650 |
| Total risk-based capital ratio | 14.8070% | 4,585 |
| Memoranda: | ||
| Average total assets | $447,622,000 | 1,495 |
| Average earning assets | $416,488,500 | 1,485 |
| Average equity | $42,863,500 | 1,659 |
| Average total loans | $339,569,000 | 1,294 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6529% | 1,703 |
| Cost of funding earning assets | 0.6795% | 1,964 |
| Net interest margin | 3.9734% | 2,025 |
| Noninterest income to average assets | 0.7170% | 2,453 |
| Noninterest expense to average assets | 2.6174% | 4,399 |
| Loan and lease loss provision to assets | 0.1899% | 1,942 |
| Net operating income to assets | 1.1115% | 1,894 |
| Return on assets (ROA) | 1.1115% | 1,963 |
| Pretax return on assets | 1.6122% | 1,141 |
| Return on Equity (ROE) | 11.7465% | 1,506 |
| Retained earnings to average equity (ytd only) | 8.4497% | 920 |
| Net charge-offs to loans | 0.0804% | 4,094 |
| Credit loss provision to net charge-offs | 304.4444% | 751 |
| Earnings coverage of net charge-offs (x) | 28.8852% | 1,223 |
| Efficiency ratio | 59.2230% | 5,572 |
| Assets per employee ($millions) | 4.0466% | 3,767 |
| Cash dividends to net income (ytd only)* | 28.0665% | 3,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7420% | 2,261 |
| Loan loss allowance to noncurrent loans | 287.3253% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.4662% | 4,841 |
| Noncurrent loans to loans | 0.6063% | 4,462 |
| Net loans and leases to total assets | 75.5483% | 1,138 |
| Net loans and leases to deposits | 86.1656% | 1,660 |
| Net loans and leases to core deposits | 95.4983% | 1,490 |
| Total domestic deposits to total assets | 87.6780% | 2,379 |
| Equity capital to assets | 9.5581% | 4,334 |
| Core capital (leverage) ratio | 9.6984% | 3,985 |
| Tier 1 risk-based capital ratio | 13.1639% | 4,873 |
| Total risk-based capital ratio | 14.4214% | 4,812 |
| Memoranda: | ||
| Average total assets | $432,757,800 | 1,531 |
| Average earning assets | $403,252,200 | 1,504 |
| Average equity | $40,948,200 | 1,708 |
| Average total loans | $335,780,600 | 1,271 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6509% | 1,746 |
| Cost of funding earning assets | 0.6898% | 2,019 |
| Net interest margin | 3.9611% | 2,071 |
| Noninterest income to average assets | 0.7236% | 2,491 |
| Noninterest expense to average assets | 2.5815% | 4,451 |
| Loan and lease loss provision to assets | 0.2551% | 1,396 |
| Net operating income to assets | 1.1075% | 1,979 |
| Return on assets (ROA) | 1.1075% | 2,052 |
| Pretax return on assets | 1.5810% | 1,386 |
| Return on Equity (ROE) | 11.7353% | 1,567 |
| Retained earnings to average equity (ytd only) | 8.7760% | 1,127 |
| Net charge-offs to loans | 0.0838% | 3,755 |
| Credit loss provision to net charge-offs | 391.4286% | 681 |
| Earnings coverage of net charge-offs (x) | 28.1765% | 1,290 |
| Efficiency ratio | 58.4364% | 5,635 |
| Assets per employee ($millions) | 3.9446% | 3,951 |
| Cash dividends to net income (ytd only)* | 25.2171% | 2,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7656% | 2,407 |
| Loan loss allowance to noncurrent loans | 336.8009% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 0.4224% | 5,159 |
| Noncurrent loans to loans | 0.5242% | 4,885 |
| Net loans and leases to total assets | 77.9266% | 751 |
| Net loans and leases to deposits | 89.1732% | 1,247 |
| Net loans and leases to core deposits | 99.7012% | 1,140 |
| Total domestic deposits to total assets | 87.3879% | 2,466 |
| Equity capital to assets | 9.7193% | 4,283 |
| Core capital (leverage) ratio | 9.6665% | 4,149 |
| Tier 1 risk-based capital ratio | 12.8621% | 5,215 |
| Total risk-based capital ratio | 14.1198% | 5,151 |
| Memoranda: | ||
| Average total assets | $429,666,750 | 1,550 |
| Average earning assets | $400,689,000 | 1,519 |
| Average equity | $40,549,000 | 1,736 |
| Average total loans | $334,164,750 | 1,276 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5690% | 1,960 |
| Cost of funding earning assets | 0.6985% | 2,072 |
| Net interest margin | 3.8704% | 2,308 |
| Noninterest income to average assets | 0.7109% | 2,590 |
| Noninterest expense to average assets | 2.5258% | 4,643 |
| Loan and lease loss provision to assets | 0.3278% | 1,054 |
| Net operating income to assets | 1.0583% | 2,085 |
| Return on assets (ROA) | 1.0583% | 2,198 |
| Pretax return on assets | 1.4717% | 1,707 |
| Return on Equity (ROE) | 11.3266% | 1,709 |
| Retained earnings to average equity (ytd only) | 9.0842% | 1,091 |
| Net charge-offs to loans | 0.0711% | 3,695 |
| Credit loss provision to net charge-offs | 596.6102% | 488 |
| Earnings coverage of net charge-offs (x) | 32.7542% | 1,076 |
| Efficiency ratio | 58.3961% | 5,676 |
| Assets per employee ($millions) | 4.0316% | 3,728 |
| Cash dividends to net income (ytd only)* | 19.7976% | 3,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8263% | 2,344 |
| Loan loss allowance to noncurrent loans | 450.4884% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.3121% | 5,540 |
| Noncurrent loans to loans | 0.4054% | 5,250 |
| Net loans and leases to total assets | 74.0251% | 1,246 |
| Net loans and leases to deposits | 84.1746% | 1,783 |
| Net loans and leases to core deposits | 93.2876% | 1,593 |
| Total domestic deposits to total assets | 87.9424% | 2,288 |
| Equity capital to assets | 9.3942% | 4,728 |
| Core capital (leverage) ratio | 9.3684% | 4,438 |
| Tier 1 risk-based capital ratio | 13.1983% | 4,995 |
| Total risk-based capital ratio | 14.4570% | 4,930 |
| Memoranda: | ||
| Average total assets | $429,568,670 | 1,550 |
| Average earning assets | $401,142,000 | 1,516 |
| Average equity | $40,135,670 | 1,751 |
| Average total loans | $331,861,000 | 1,283 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5523% | 1,982 |
| Cost of funding earning assets | 0.7082% | 2,137 |
| Net interest margin | 3.8441% | 2,303 |
| Noninterest income to average assets | 0.6591% | 2,820 |
| Noninterest expense to average assets | 2.5408% | 4,611 |
| Loan and lease loss provision to assets | 0.3300% | 1,019 |
| Net operating income to assets | 1.0604% | 1,990 |
| Return on assets (ROA) | 1.0604% | 2,107 |
| Pretax return on assets | 1.3707% | 1,964 |
| Return on Equity (ROE) | 11.3807% | 1,597 |
| Retained earnings to average equity (ytd only) | 11.3807% | 802 |
| Net charge-offs to loans | 0.0779% | 3,061 |
| Credit loss provision to net charge-offs | 541.5385% | 496 |
| Earnings coverage of net charge-offs (x) | 27.9077% | 1,002 |
| Efficiency ratio | 59.9027% | 5,597 |
| Assets per employee ($millions) | 4.0358% | 3,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7522% | 2,800 |
| Loan loss allowance to noncurrent loans | 338.3017% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.4611% | 5,229 |
| Noncurrent loans to loans | 0.5179% | 5,141 |
| Net loans and leases to total assets | 73.9732% | 1,082 |
| Net loans and leases to deposits | 84.1671% | 1,576 |
| Net loans and leases to core deposits | 92.0565% | 1,498 |
| Total domestic deposits to total assets | 87.8885% | 2,389 |
| Equity capital to assets | 9.3336% | 5,091 |
| Core capital (leverage) ratio | 9.4965% | 4,088 |
| Tier 1 risk-based capital ratio | 13.1325% | 5,117 |
| Total risk-based capital ratio | 14.3915% | 5,067 |
| Memoranda: | ||
| Average total assets | $426,644,500 | 1,578 |
| Average earning assets | $397,601,000 | 1,538 |
| Average equity | $39,751,500 | 1,791 |
| Average total loans | $333,634,500 | 1,277 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0403% | 1,460 |
| Cost of funding earning assets | 0.8355% | 2,387 |
| Net interest margin | 4.2048% | 1,646 |
| Noninterest income to average assets | 0.8122% | 2,209 |
| Noninterest expense to average assets | 2.6272% | 4,657 |
| Loan and lease loss provision to assets | 0.3567% | 1,873 |
| Net operating income to assets | 1.2093% | 1,574 |
| Return on assets (ROA) | 1.2093% | 1,739 |
| Pretax return on assets | 1.7335% | 1,063 |
| Return on Equity (ROE) | 12.9539% | 1,236 |
| Retained earnings to average equity (ytd only) | 7.5444% | 1,313 |
| Net charge-offs to loans | 0.0533% | 5,186 |
| Credit loss provision to net charge-offs | 836.9942% | 297 |
| Earnings coverage of net charge-offs (x) | 49.0462% | 687 |
| Efficiency ratio | 55.6919% | 6,090 |
| Assets per employee ($millions) | 3.8315% | 4,308 |
| Cash dividends to net income (ytd only)* | 41.7600% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5810% | 3,401 |
| Loan loss allowance to noncurrent loans | 277.8120% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.5348% | 5,138 |
| Noncurrent loans to loans | 0.5691% | 5,107 |
| Net loans and leases to total assets | 79.8949% | 483 |
| Net loans and leases to deposits | 90.9340% | 987 |
| Net loans and leases to core deposits | 97.1391% | 1,212 |
| Total domestic deposits to total assets | 87.8603% | 2,318 |
| Equity capital to assets | 9.3005% | 5,155 |
| Core capital (leverage) ratio | 9.3604% | 4,320 |
| Tier 1 risk-based capital ratio | 12.1424% | 5,693 |
| Total risk-based capital ratio | 13.3978% | 5,652 |
| Memoranda: | ||
| Average total assets | $405,951,800 | 1,616 |
| Average earning assets | $377,018,600 | 1,583 |
| Average equity | $37,895,800 | 1,832 |
| Average total loans | $324,770,000 | 1,297 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0306% | 1,607 |
| Cost of funding earning assets | 0.8672% | 2,411 |
| Net interest margin | 4.1635% | 1,855 |
| Noninterest income to average assets | 0.8025% | 2,228 |
| Noninterest expense to average assets | 2.6124% | 4,695 |
| Loan and lease loss provision to assets | 0.3601% | 1,803 |
| Net operating income to assets | 1.1934% | 1,768 |
| Return on assets (ROA) | 1.1934% | 1,943 |
| Pretax return on assets | 1.6988% | 1,272 |
| Return on Equity (ROE) | 12.7722% | 1,392 |
| Retained earnings to average equity (ytd only) | 8.5136% | 1,406 |
| Net charge-offs to loans | 0.0262% | 5,301 |
| Credit loss provision to net charge-offs | 1,723.8095% | 156 |
| Earnings coverage of net charge-offs (x) | 98.5531% | 431 |
| Efficiency ratio | 55.9239% | 6,064 |
| Assets per employee ($millions) | 3.6851% | 4,580 |
| Cash dividends to net income (ytd only)* | 33.3426% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5381% | 3,782 |
| Loan loss allowance to noncurrent loans | 273.5809% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.5005% | 5,419 |
| Noncurrent loans to loans | 0.5622% | 5,318 |
| Net loans and leases to total assets | 81.4416% | 389 |
| Net loans and leases to deposits | 93.0801% | 870 |
| Net loans and leases to core deposits | 99.4161% | 1,165 |
| Total domestic deposits to total assets | 87.4962% | 2,355 |
| Equity capital to assets | 9.5595% | 5,125 |
| Core capital (leverage) ratio | 9.4310% | 4,373 |
| Tier 1 risk-based capital ratio | 12.3500% | 5,733 |
| Total risk-based capital ratio | 13.6007% | 5,707 |
| Memoranda: | ||
| Average total assets | $402,074,500 | 1,641 |
| Average earning assets | $373,622,500 | 1,616 |
| Average equity | $37,570,250 | 1,870 |
| Average total loans | $320,428,750 | 1,325 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0164% | 1,743 |
| Cost of funding earning assets | 0.8953% | 2,438 |
| Net interest margin | 4.1211% | 2,006 |
| Noninterest income to average assets | 0.7965% | 2,198 |
| Noninterest expense to average assets | 2.6021% | 4,771 |
| Loan and lease loss provision to assets | 0.3611% | 1,829 |
| Net operating income to assets | 1.1771% | 1,793 |
| Return on assets (ROA) | 1.1771% | 1,994 |
| Pretax return on assets | 1.6534% | 1,386 |
| Return on Equity (ROE) | 12.6960% | 1,445 |
| Retained earnings to average equity (ytd only) | 8.3923% | 1,484 |
| Net charge-offs to loans | 0.0247% | 5,039 |
| Credit loss provision to net charge-offs | 1,856.4103% | 168 |
| Earnings coverage of net charge-offs (x) | 103.5641% | 412 |
| Efficiency ratio | 56.3634% | 6,079 |
| Assets per employee ($millions) | 3.6779% | 4,566 |
| Cash dividends to net income (ytd only)* | 33.8983% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5165% | 3,938 |
| Loan loss allowance to noncurrent loans | 210.1614% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.7546% | 4,908 |
| Noncurrent loans to loans | 0.7216% | 5,065 |
| Net loans and leases to total assets | 77.3551% | 803 |
| Net loans and leases to deposits | 89.4460% | 1,201 |
| Net loans and leases to core deposits | 95.6286% | 1,465 |
| Total domestic deposits to total assets | 86.4825% | 3,083 |
| Equity capital to assets | 9.3560% | 5,251 |
| Core capital (leverage) ratio | 9.2016% | 4,608 |
| Tier 1 risk-based capital ratio | 12.8169% | 5,325 |
| Total risk-based capital ratio | 14.0719% | 5,294 |
| Memoranda: | ||
| Average total assets | $400,980,000 | 1,642 |
| Average earning assets | $371,700,330 | 1,628 |
| Average equity | $37,177,000 | 1,873 |
| Average total loans | $315,476,000 | 1,342 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0278% | 1,792 |
| Cost of funding earning assets | 0.9127% | 2,588 |
| Net interest margin | 4.1152% | 2,041 |
| Noninterest income to average assets | 0.7756% | 2,271 |
| Noninterest expense to average assets | 2.5402% | 5,024 |
| Loan and lease loss provision to assets | 0.3627% | 1,741 |
| Net operating income to assets | 1.2355% | 1,642 |
| Return on assets (ROA) | 1.2355% | 1,820 |
| Pretax return on assets | 1.6724% | 1,372 |
| Return on Equity (ROE) | 13.3878% | 1,309 |
| Retained earnings to average equity (ytd only) | 9.0446% | 1,575 |
| Net charge-offs to loans | 0.0344% | 4,212 |
| Credit loss provision to net charge-offs | 1,340.7407% | 258 |
| Earnings coverage of net charge-offs (x) | 75.2222% | 446 |
| Efficiency ratio | 55.5191% | 6,178 |
| Assets per employee ($millions) | 3.7175% | 4,617 |
| Cash dividends to net income (ytd only)* | 32.4412% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4285% | 4,477 |
| Loan loss allowance to noncurrent loans | 229.4148% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.6925% | 5,165 |
| Noncurrent loans to loans | 0.6227% | 5,405 |
| Net loans and leases to total assets | 76.1028% | 788 |
| Net loans and leases to deposits | 87.6839% | 1,208 |
| Net loans and leases to core deposits | 93.8274% | 1,480 |
| Total domestic deposits to total assets | 86.7922% | 3,076 |
| Equity capital to assets | 9.1983% | 5,234 |
| Core capital (leverage) ratio | 9.2993% | 4,367 |
| Tier 1 risk-based capital ratio | 12.7976% | 5,366 |
| Total risk-based capital ratio | 14.0511% | 5,341 |
| Memoranda: | ||
| Average total assets | $399,183,500 | 1,661 |
| Average earning assets | $368,589,000 | 1,641 |
| Average equity | $36,839,500 | 1,892 |
| Average total loans | $314,325,500 | 1,355 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3297% | 1,623 |
| Cost of funding earning assets | 1.0461% | 3,053 |
| Net interest margin | 4.2837% | 1,758 |
| Noninterest income to average assets | 0.6954% | 2,629 |
| Noninterest expense to average assets | 2.6402% | 4,961 |
| Loan and lease loss provision to assets | 0.4646% | 2,283 |
| Net operating income to assets | 1.0581% | 1,971 |
| Return on assets (ROA) | 1.0581% | 2,114 |
| Pretax return on assets | 1.5747% | 1,266 |
| Return on Equity (ROE) | 11.5423% | 1,542 |
| Retained earnings to average equity (ytd only) | 6.7235% | 1,630 |
| Net charge-offs to loans | 0.6311% | 2,568 |
| Credit loss provision to net charge-offs | 92.0700% | 3,919 |
| Earnings coverage of net charge-offs (x) | 4.0412% | 3,291 |
| Efficiency ratio | 56.4194% | 6,263 |
| Assets per employee ($millions) | 3.6070% | 4,757 |
| Cash dividends to net income (ytd only)* | 41.7485% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3093% | 4,858 |
| Loan loss allowance to noncurrent loans | 202.4976% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 0.7422% | 5,157 |
| Noncurrent loans to loans | 0.6466% | 5,413 |
| Net loans and leases to total assets | 79.2739% | 569 |
| Net loans and leases to deposits | 91.4510% | 1,020 |
| Net loans and leases to core deposits | 97.7252% | 1,353 |
| Total domestic deposits to total assets | 86.6846% | 2,924 |
| Equity capital to assets | 9.2601% | 5,199 |
| Core capital (leverage) ratio | 9.3112% | 4,311 |
| Tier 1 risk-based capital ratio | 12.3648% | 5,564 |
| Total risk-based capital ratio | 13.6170% | 5,536 |
| Memoranda: | ||
| Average total assets | $384,825,400 | 1,682 |
| Average earning assets | $357,917,600 | 1,656 |
| Average equity | $35,279,000 | 1,914 |
| Average total loans | $307,740,400 | 1,383 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3118% | 1,811 |
| Cost of funding earning assets | 1.0721% | 3,168 |
| Net interest margin | 4.2397% | 1,950 |
| Noninterest income to average assets | 0.6842% | 2,701 |
| Noninterest expense to average assets | 2.6890% | 4,771 |
| Loan and lease loss provision to assets | 0.2863% | 3,224 |
| Net operating income to assets | 1.1346% | 1,865 |
| Return on assets (ROA) | 1.1346% | 1,983 |
| Pretax return on assets | 1.6627% | 1,224 |
| Return on Equity (ROE) | 12.4084% | 1,435 |
| Retained earnings to average equity (ytd only) | 8.9796% | 1,155 |
| Net charge-offs to loans | 0.6027% | 2,446 |
| Credit loss provision to net charge-offs | 59.4790% | 4,820 |
| Earnings coverage of net charge-offs (x) | 4.0485% | 3,198 |
| Efficiency ratio | 57.9766% | 6,015 |
| Assets per employee ($millions) | 3.5363% | 4,909 |
| Cash dividends to net income (ytd only)* | 27.6328% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1926% | 5,499 |
| Loan loss allowance to noncurrent loans | 89.3388% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 1.3563% | 4,110 |
| Noncurrent loans to loans | 1.3349% | 4,299 |
| Net loans and leases to total assets | 80.1521% | 504 |
| Net loans and leases to deposits | 93.3354% | 893 |
| Net loans and leases to core deposits | 100.2987% | 1,220 |
| Total domestic deposits to total assets | 85.8754% | 3,287 |
| Equity capital to assets | 9.4463% | 5,170 |
| Core capital (leverage) ratio | 9.4679% | 4,204 |
| Tier 1 risk-based capital ratio | 12.5113% | 5,476 |
| Total risk-based capital ratio | 13.7619% | 5,471 |
| Memoranda: | ||
| Average total assets | $382,741,500 | 1,701 |
| Average earning assets | $356,934,250 | 1,663 |
| Average equity | $34,997,000 | 1,928 |
| Average total loans | $305,723,250 | 1,402 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2729% | 1,983 |
| Cost of funding earning assets | 1.0984% | 3,253 |
| Net interest margin | 4.1746% | 2,142 |
| Noninterest income to average assets | 0.6568% | 2,781 |
| Noninterest expense to average assets | 2.7651% | 4,566 |
| Loan and lease loss provision to assets | 0.2242% | 3,673 |
| Net operating income to assets | 1.1083% | 1,846 |
| Return on assets (ROA) | 1.1083% | 1,937 |
| Pretax return on assets | 1.5635% | 1,348 |
| Return on Equity (ROE) | 12.2577% | 1,420 |
| Retained earnings to average equity (ytd only) | 8.7820% | 1,180 |
| Net charge-offs to loans | 0.3513% | 3,147 |
| Credit loss provision to net charge-offs | 80.3002% | 3,764 |
| Earnings coverage of net charge-offs (x) | 6.4034% | 2,399 |
| Efficiency ratio | 60.7340% | 5,769 |
| Assets per employee ($millions) | 3.5103% | 4,920 |
| Cash dividends to net income (ytd only)* | 28.3554% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3791% | 4,682 |
| Loan loss allowance to noncurrent loans | 66.9869% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 1.6366% | 3,722 |
| Noncurrent loans to loans | 2.0587% | 3,397 |
| Net loans and leases to total assets | 78.1995% | 752 |
| Net loans and leases to deposits | 90.7836% | 1,184 |
| Net loans and leases to core deposits | 97.6152% | 1,531 |
| Total domestic deposits to total assets | 86.1383% | 3,252 |
| Equity capital to assets | 9.2574% | 5,198 |
| Core capital (leverage) ratio | 9.1959% | 4,414 |
| Tier 1 risk-based capital ratio | 12.5432% | 5,303 |
| Total risk-based capital ratio | 13.7963% | 5,280 |
| Memoranda: | ||
| Average total assets | $381,834,670 | 1,714 |
| Average earning assets | $356,348,330 | 1,677 |
| Average equity | $34,525,330 | 1,930 |
| Average total loans | $303,402,670 | 1,424 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2257% | 2,134 |
| Cost of funding earning assets | 1.1433% | 3,205 |
| Net interest margin | 4.0824% | 2,336 |
| Noninterest income to average assets | 0.6240% | 3,012 |
| Noninterest expense to average assets | 2.8062% | 4,410 |
| Loan and lease loss provision to assets | 0.2244% | 3,416 |
| Net operating income to assets | 1.0266% | 2,088 |
| Return on assets (ROA) | 1.0266% | 2,135 |
| Pretax return on assets | 1.4052% | 1,712 |
| Return on Equity (ROE) | 11.4915% | 1,600 |
| Retained earnings to average equity (ytd only) | 7.9701% | 1,746 |
| Net charge-offs to loans | 0.7000% | 1,818 |
| Credit loss provision to net charge-offs | 40.3013% | 3,941 |
| Earnings coverage of net charge-offs (x) | 2.9266% | 2,913 |
| Efficiency ratio | 63.2624% | 5,476 |
| Assets per employee ($millions) | 3.5374% | 4,908 |
| Cash dividends to net income (ytd only)* | 30.6435% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3399% | 4,947 |
| Loan loss allowance to noncurrent loans | 148.9872% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.7020% | 5,533 |
| Noncurrent loans to loans | 0.8993% | 5,248 |
| Net loans and leases to total assets | 76.5527% | 952 |
| Net loans and leases to deposits | 90.0322% | 1,222 |
| Net loans and leases to core deposits | 96.9371% | 1,599 |
| Total domestic deposits to total assets | 85.0282% | 4,018 |
| Equity capital to assets | 8.9785% | 5,232 |
| Core capital (leverage) ratio | 9.0114% | 4,598 |
| Tier 1 risk-based capital ratio | 12.4507% | 5,309 |
| Total risk-based capital ratio | 13.6900% | 5,298 |
| Memoranda: | ||
| Average total assets | $381,440,000 | 1,725 |
| Average earning assets | $356,162,000 | 1,690 |
| Average equity | $34,077,500 | 1,942 |
| Average total loans | $303,407,000 | 1,440 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5887% | 1,940 |
| Cost of funding earning assets | 1.5230% | 2,512 |
| Net interest margin | 4.0657% | 2,724 |
| Noninterest income to average assets | 0.6272% | 3,304 |
| Noninterest expense to average assets | 2.6681% | 5,138 |
| Loan and lease loss provision to assets | 0.7147% | 2,295 |
| Net operating income to assets | 0.7532% | 2,986 |
| Return on assets (ROA) | 0.7532% | 3,110 |
| Pretax return on assets | 1.0290% | 2,839 |
| Return on Equity (ROE) | 8.6756% | 2,430 |
| Retained earnings to average equity (ytd only) | 6.3691% | 1,635 |
| Net charge-offs to loans | 1.0381% | 2,126 |
| Credit loss provision to net charge-offs | 84.5546% | 5,363 |
| Earnings coverage of net charge-offs (x) | 2.0629% | 4,179 |
| Efficiency ratio | 60.4757% | 5,973 |
| Assets per employee ($millions) | 3.4939% | 4,943 |
| Cash dividends to net income (ytd only)* | 26.5863% | 3,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3819% | 4,602 |
| Loan loss allowance to noncurrent loans | 122.0894% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 0.9266% | 5,157 |
| Noncurrent loans to loans | 1.1318% | 4,847 |
| Net loans and leases to total assets | 80.3727% | 620 |
| Net loans and leases to deposits | 94.0880% | 1,058 |
| Net loans and leases to core deposits | 101.7790% | 1,471 |
| Total domestic deposits to total assets | 85.4229% | 3,652 |
| Equity capital to assets | 8.8891% | 5,303 |
| Core capital (leverage) ratio | 8.7711% | 4,899 |
| Tier 1 risk-based capital ratio | 11.6405% | 5,783 |
| Total risk-based capital ratio | 12.8935% | 5,781 |
| Memoranda: | ||
| Average total assets | $374,538,000 | 1,760 |
| Average earning assets | $348,650,000 | 1,718 |
| Average equity | $32,516,400 | 2,018 |
| Average total loans | $304,979,000 | 1,474 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5833% | 2,127 |
| Cost of funding earning assets | 1.5920% | 2,432 |
| Net interest margin | 3.9912% | 3,147 |
| Noninterest income to average assets | 0.6020% | 3,427 |
| Noninterest expense to average assets | 2.6540% | 5,095 |
| Loan and lease loss provision to assets | 0.9102% | 1,663 |
| Net operating income to assets | 0.5720% | 3,996 |
| Return on assets (ROA) | 0.5720% | 4,163 |
| Pretax return on assets | 0.7464% | 4,094 |
| Return on Equity (ROE) | 6.6287% | 3,522 |
| Retained earnings to average equity (ytd only) | 6.6287% | 2,028 |
| Net charge-offs to loans | 1.3389% | 1,516 |
| Credit loss provision to net charge-offs | 83.5028% | 5,021 |
| Earnings coverage of net charge-offs (x) | 1.5198% | 4,584 |
| Efficiency ratio | 61.5691% | 5,688 |
| Assets per employee ($millions) | 3.5466% | 4,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3843% | 4,552 |
| Loan loss allowance to noncurrent loans | 122.7038% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.9178% | 5,276 |
| Noncurrent loans to loans | 1.1281% | 4,981 |
| Net loans and leases to total assets | 78.7815% | 920 |
| Net loans and leases to deposits | 91.9855% | 1,448 |
| Net loans and leases to core deposits | 98.7955% | 1,958 |
| Total domestic deposits to total assets | 85.6456% | 3,268 |
| Equity capital to assets | 8.6787% | 6,059 |
| Core capital (leverage) ratio | 8.7348% | 5,127 |
| Tier 1 risk-based capital ratio | 11.5244% | 5,910 |
| Total risk-based capital ratio | 12.7773% | 5,895 |
| Memoranda: | ||
| Average total assets | $372,963,500 | 1,785 |
| Average earning assets | $346,551,500 | 1,752 |
| Average equity | $32,182,250 | 2,061 |
| Average total loans | $303,629,500 | 1,498 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5898% | 2,175 |
| Cost of funding earning assets | 1.6533% | 2,370 |
| Net interest margin | 3.9365% | 3,290 |
| Noninterest income to average assets | 0.5619% | 3,612 |
| Noninterest expense to average assets | 2.6887% | 4,957 |
| Loan and lease loss provision to assets | 1.3110% | 1,044 |
| Net operating income to assets | 0.2318% | 5,451 |
| Return on assets (ROA) | 0.2318% | 5,588 |
| Pretax return on assets | 0.2161% | 5,735 |
| Return on Equity (ROE) | 2.6918% | 5,375 |
| Retained earnings to average equity (ytd only) | 2.6918% | 4,428 |
| Net charge-offs to loans | 1.9722% | 930 |
| Credit loss provision to net charge-offs | 81.1219% | 4,675 |
| Earnings coverage of net charge-offs (x) | 0.9449% | 4,832 |
| Efficiency ratio | 63.7780% | 5,374 |
| Assets per employee ($millions) | 3.4677% | 5,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4046% | 4,398 |
| Loan loss allowance to noncurrent loans | 234.4828% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.5342% | 6,133 |
| Noncurrent loans to loans | 0.5990% | 6,040 |
| Net loans and leases to total assets | 78.2956% | 1,063 |
| Net loans and leases to deposits | 92.1993% | 1,496 |
| Net loans and leases to core deposits | 99.1049% | 2,110 |
| Total domestic deposits to total assets | 84.9200% | 3,672 |
| Equity capital to assets | 8.5446% | 6,108 |
| Core capital (leverage) ratio | 8.6831% | 5,108 |
| Tier 1 risk-based capital ratio | 11.4541% | 5,815 |
| Total risk-based capital ratio | 12.7075% | 5,788 |
| Memoranda: | ||
| Average total assets | $368,425,670 | 1,818 |
| Average earning assets | $341,981,670 | 1,790 |
| Average equity | $31,726,330 | 2,082 |
| Average total loans | $301,897,330 | 1,519 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6297% | 2,030 |
| Cost of funding earning assets | 1.7131% | 2,324 |
| Net interest margin | 3.9166% | 3,253 |
| Noninterest income to average assets | 0.4983% | 4,058 |
| Noninterest expense to average assets | 2.7664% | 4,622 |
| Loan and lease loss provision to assets | 2.5607% | 411 |
| Net operating income to assets | -0.7436% | 6,983 |
| Return on assets (ROA) | -0.7436% | 7,008 |
| Pretax return on assets | -1.2001% | 7,147 |
| Return on Equity (ROE) | -8.6002% | 7,082 |
| Retained earnings to average equity (ytd only) | -8.6002% | 6,872 |
| Net charge-offs to loans | 3.8604% | 348 |
| Credit loss provision to net charge-offs | 79.6715% | 3,883 |
| Earnings coverage of net charge-offs (x) | 0.4233% | 4,652 |
| Efficiency ratio | 67.0309% | 4,912 |
| Assets per employee ($millions) | 3.3694% | 5,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3997% | 4,419 |
| Loan loss allowance to noncurrent loans | 184.4797% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.6733% | 5,832 |
| Noncurrent loans to loans | 0.7587% | 5,807 |
| Net loans and leases to total assets | 80.2500% | 810 |
| Net loans and leases to deposits | 95.5477% | 1,163 |
| Net loans and leases to core deposits | 103.3397% | 1,792 |
| Total domestic deposits to total assets | 83.9894% | 4,152 |
| Equity capital to assets | 8.4643% | 6,051 |
| Core capital (leverage) ratio | 8.4969% | 5,382 |
| Tier 1 risk-based capital ratio | 11.1634% | 5,995 |
| Total risk-based capital ratio | 12.4167% | 5,954 |
| Memoranda: | ||
| Average total assets | $363,647,000 | 1,883 |
| Average earning assets | $336,926,500 | 1,858 |
| Average equity | $31,441,000 | 2,116 |
| Average total loans | $302,766,000 | 1,555 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0093% | 1,830 |
| Cost of funding earning assets | 1.9858% | 3,027 |
| Net interest margin | 4.0235% | 2,768 |
| Noninterest income to average assets | 0.6032% | 3,610 |
| Noninterest expense to average assets | 2.7092% | 5,348 |
| Loan and lease loss provision to assets | 1.3893% | 1,649 |
| Net operating income to assets | 0.2274% | 4,810 |
| Return on assets (ROA) | 0.2274% | 4,876 |
| Pretax return on assets | 0.2436% | 4,903 |
| Return on Equity (ROE) | 2.5005% | 4,707 |
| Retained earnings to average equity (ytd only) | -2.1762% | 5,554 |
| Net charge-offs to loans | 1.0905% | 2,237 |
| Credit loss provision to net charge-offs | 147.2498% | 3,197 |
| Earnings coverage of net charge-offs (x) | 1.7307% | 4,430 |
| Efficiency ratio | 62.3931% | 6,075 |
| Assets per employee ($millions) | 3.3336% | 5,418 |
| Cash dividends to net income (ytd only)* | 187.0324% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5583% | 3,445 |
| Loan loss allowance to noncurrent loans | 86.5737% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 1.5921% | 3,987 |
| Noncurrent loans to loans | 1.8000% | 3,931 |
| Net loans and leases to total assets | 83.8377% | 451 |
| Net loans and leases to deposits | 100.2548% | 879 |
| Net loans and leases to core deposits | 131.3598% | 1,208 |
| Total domestic deposits to total assets | 83.6247% | 4,218 |
| Equity capital to assets | 8.8314% | 5,380 |
| Core capital (leverage) ratio | 8.6368% | 5,040 |
| Tier 1 risk-based capital ratio | 11.1706% | 5,756 |
| Total risk-based capital ratio | 12.4261% | 5,705 |
| Memoranda: | ||
| Average total assets | $352,619,200 | 1,926 |
| Average earning assets | $327,675,600 | 1,895 |
| Average equity | $32,073,800 | 2,085 |
| Average total loans | $305,088,600 | 1,575 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0160% | 1,969 |
| Cost of funding earning assets | 2.0244% | 3,239 |
| Net interest margin | 3.9916% | 2,858 |
| Noninterest income to average assets | 0.5975% | 3,732 |
| Noninterest expense to average assets | 2.7223% | 5,237 |
| Loan and lease loss provision to assets | 1.1624% | 1,669 |
| Net operating income to assets | 0.3524% | 4,589 |
| Return on assets (ROA) | 0.3524% | 4,685 |
| Pretax return on assets | 0.4280% | 4,721 |
| Return on Equity (ROE) | 3.8452% | 4,442 |
| Retained earnings to average equity (ytd only) | -2.3768% | 5,791 |
| Net charge-offs to loans | 0.6498% | 2,734 |
| Credit loss provision to net charge-offs | 205.9259% | 2,153 |
| Earnings coverage of net charge-offs (x) | 2.8175% | 3,810 |
| Efficiency ratio | 63.1236% | 5,904 |
| Assets per employee ($millions) | 3.3410% | 5,281 |
| Cash dividends to net income (ytd only)* | 161.8122% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5454% | 3,213 |
| Loan loss allowance to noncurrent loans | 94.8591% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 1.5178% | 4,091 |
| Noncurrent loans to loans | 1.6291% | 4,199 |
| Net loans and leases to total assets | 82.8467% | 689 |
| Net loans and leases to deposits | 98.7737% | 1,235 |
| Net loans and leases to core deposits | 128.7771% | 1,518 |
| Total domestic deposits to total assets | 83.8752% | 3,784 |
| Equity capital to assets | 8.6869% | 5,974 |
| Core capital (leverage) ratio | 8.8691% | 4,867 |
| Tier 1 risk-based capital ratio | 10.9549% | 5,996 |
| Total risk-based capital ratio | 12.2100% | 5,953 |
| Memoranda: | ||
| Average total assets | $350,768,000 | 1,946 |
| Average earning assets | $326,475,250 | 1,920 |
| Average equity | $32,143,500 | 2,100 |
| Average total loans | $304,707,250 | 1,589 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0028% | 2,171 |
| Cost of funding earning assets | 2.0741% | 3,398 |
| Net interest margin | 3.9287% | 2,983 |
| Noninterest income to average assets | 0.6802% | 3,116 |
| Noninterest expense to average assets | 2.7556% | 5,151 |
| Loan and lease loss provision to assets | 0.3332% | 3,941 |
| Net operating income to assets | 0.8662% | 2,587 |
| Return on assets (ROA) | 0.8662% | 2,691 |
| Pretax return on assets | 1.2428% | 2,183 |
| Return on Equity (ROE) | 9.2810% | 2,262 |
| Retained earnings to average equity (ytd only) | -0.0310% | 5,220 |
| Net charge-offs to loans | 0.1860% | 4,403 |
| Credit loss provision to net charge-offs | 203.9007% | 2,230 |
| Earnings coverage of net charge-offs (x) | 9.6454% | 2,098 |
| Efficiency ratio | 63.6169% | 5,979 |
| Assets per employee ($millions) | 3.1645% | 5,681 |
| Cash dividends to net income (ytd only)* | 100.3344% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1390% | 5,336 |
| Loan loss allowance to noncurrent loans | 99.0937% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 1.1192% | 4,714 |
| Noncurrent loans to loans | 1.1494% | 4,917 |
| Net loans and leases to total assets | 87.2457% | 290 |
| Net loans and leases to deposits | 106.7555% | 727 |
| Net loans and leases to core deposits | 139.6486% | 1,028 |
| Total domestic deposits to total assets | 81.7248% | 4,808 |
| Equity capital to assets | 9.3222% | 4,838 |
| Core capital (leverage) ratio | 9.3034% | 4,160 |
| Tier 1 risk-based capital ratio | 11.3428% | 5,556 |
| Total risk-based capital ratio | 12.5737% | 5,472 |
| Memoranda: | ||
| Average total assets | $345,187,670 | 2,003 |
| Average earning assets | $320,817,330 | 1,976 |
| Average equity | $32,216,330 | 2,105 |
| Average total loans | $303,193,670 | 1,632 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9454% | 2,581 |
| Cost of funding earning assets | 2.0956% | 3,677 |
| Net interest margin | 3.8498% | 3,248 |
| Noninterest income to average assets | 0.6435% | 3,244 |
| Noninterest expense to average assets | 2.5985% | 5,453 |
| Loan and lease loss provision to assets | 0.4073% | 2,882 |
| Net operating income to assets | 0.8530% | 2,897 |
| Return on assets (ROA) | 0.8530% | 3,052 |
| Pretax return on assets | 1.2079% | 2,605 |
| Return on Equity (ROE) | 9.1341% | 2,657 |
| Retained earnings to average equity (ytd only) | -9.5578% | 7,066 |
| Net charge-offs to loans | 0.5777% | 2,017 |
| Credit loss provision to net charge-offs | 80.4598% | 4,181 |
| Earnings coverage of net charge-offs (x) | 3.1908% | 3,254 |
| Efficiency ratio | 61.6680% | 6,114 |
| Assets per employee ($millions) | 3.1259% | 5,824 |
| Cash dividends to net income (ytd only)* | 204.6385% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0269% | 5,974 |
| Loan loss allowance to noncurrent loans | 93.0253% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 0.9845% | 4,732 |
| Noncurrent loans to loans | 1.1039% | 4,779 |
| Net loans and leases to total assets | 87.4854% | 303 |
| Net loans and leases to deposits | 108.4030% | 704 |
| Net loans and leases to core deposits | 143.6084% | 948 |
| Total domestic deposits to total assets | 80.7039% | 5,087 |
| Equity capital to assets | 9.2224% | 5,060 |
| Core capital (leverage) ratio | 9.2821% | 4,270 |
| Tier 1 risk-based capital ratio | 11.2722% | 5,625 |
| Total risk-based capital ratio | 12.3898% | 5,688 |
| Memoranda: | ||
| Average total assets | $343,734,000 | 2,023 |
| Average earning assets | $318,767,000 | 1,999 |
| Average equity | $32,099,500 | 2,111 |
| Average total loans | $301,192,000 | 1,661 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4899% | 3,013 |
| Cost of funding earning assets | 2.6502% | 3,429 |
| Net interest margin | 3.8397% | 3,839 |
| Noninterest income to average assets | 0.6509% | 3,470 |
| Noninterest expense to average assets | 2.6033% | 5,637 |
| Loan and lease loss provision to assets | 0.0090% | 7,261 |
| Net operating income to assets | 1.0865% | 2,198 |
| Return on assets (ROA) | 1.0865% | 2,116 |
| Pretax return on assets | 1.5920% | 1,406 |
| Return on Equity (ROE) | 11.8160% | 1,653 |
| Retained earnings to average equity (ytd only) | 7.9196% | 869 |
| Net charge-offs to loans | -0.0549% | 8,035 |
| Credit loss provision to net charge-offs | -18.8679% | 7,272 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9203% | 5,965 |
| Assets per employee ($millions) | 3.1238% | 5,703 |
| Cash dividends to net income (ytd only)* | 32.9761% | 3,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0742% | 5,463 |
| Loan loss allowance to noncurrent loans | 176.0571% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 0.5660% | 5,488 |
| Noncurrent loans to loans | 0.6102% | 5,543 |
| Net loans and leases to total assets | 85.9206% | 615 |
| Net loans and leases to deposits | 109.4149% | 873 |
| Net loans and leases to core deposits | 146.3659% | 1,003 |
| Total domestic deposits to total assets | 78.5273% | 5,537 |
| Equity capital to assets | 9.4546% | 4,750 |
| Core capital (leverage) ratio | 9.5277% | 3,976 |
| Tier 1 risk-based capital ratio | 11.5640% | 5,182 |
| Total risk-based capital ratio | 12.7137% | 5,172 |
| Memoranda: | ||
| Average total assets | $334,924,400 | 1,996 |
| Average earning assets | $309,942,600 | 1,967 |
| Average equity | $30,797,200 | 2,192 |
| Average total loans | $289,795,200 | 1,669 |