Home > Premier Valley Bank > Performance and Condition Ratios
Premier Valley Bank, Performance and Condition Ratios
| 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 | 3.4565% | 2,274 |
| Cost of funding earning assets | 0.0808% | 4,370 |
| Net interest margin | 3.3757% | 1,674 |
| Noninterest income to average assets | 0.5826% | 1,810 |
| Noninterest expense to average assets | 2.3092% | 2,522 |
| Loan and lease loss provision to assets | 0.9384% | 45 |
| Net operating income to assets | 0.3223% | 4,248 |
| Return on assets (ROA) | 0.2714% | 4,289 |
| Pretax return on assets | 0.3150% | 4,278 |
| Return on Equity (ROE) | 2.3179% | 4,318 |
| Retained earnings to average equity (ytd only) | -0.4011% | 4,228 |
| Net charge-offs to loans | 1.4356% | 43 |
| Credit loss provision to net charge-offs | 113.0751% | 1,207 |
| Earnings coverage of net charge-offs (x) | 1.6213% | 2,062 |
| Efficiency ratio | 61.9989% | 3,046 |
| Assets per employee ($millions) | 19.6897% | 103 |
| Cash dividends to net income (ytd only)* | 117.3021% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9961% | 3,609 |
| Loan loss allowance to noncurrent loans | 868.1710% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.0638% | 3,340 |
| Noncurrent loans to loans | 0.1147% | 3,167 |
| Net loans and leases to total assets | 55.0752% | 2,848 |
| Net loans and leases to deposits | 61.8550% | 2,896 |
| Net loans and leases to core deposits | 68.3983% | 2,614 |
| Total domestic deposits to total assets | 89.0392% | 2,169 |
| Equity capital to assets | 10.2320% | 1,571 |
| Core capital (leverage) ratio | 8.4467% | 3,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7410% | 2,874 |
| Memoranda: | ||
| Average total assets | $1,256,383,000 | 818 |
| Average earning assets | $1,131,152,000 | 843 |
| Average equity | $147,113,667 | 701 |
| Average total loans | $708,576,000 | 877 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3611% | 2,207 |
| Cost of funding earning assets | 0.0379% | 4,674 |
| Net interest margin | 3.3231% | 1,521 |
| Noninterest income to average assets | 0.4490% | 2,395 |
| Noninterest expense to average assets | 2.3814% | 2,231 |
| Loan and lease loss provision to assets | 1.5612% | 28 |
| Net operating income to assets | -0.3353% | 4,671 |
| Return on assets (ROA) | -0.4049% | 4,674 |
| Pretax return on assets | -0.5770% | 4,687 |
| Return on Equity (ROE) | -3.2380% | 4,669 |
| Retained earnings to average equity (ytd only) | -3.2380% | 4,329 |
| Net charge-offs to loans | 2.8773% | 20 |
| Credit loss provision to net charge-offs | 94.2469% | 1,064 |
| Earnings coverage of net charge-offs (x) | 0.6560% | 1,763 |
| Efficiency ratio | 67.0417% | 2,626 |
| Assets per employee ($millions) | 19.7668% | 104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9172% | 3,995 |
| Loan loss allowance to noncurrent loans | 633.7986% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.0818% | 3,259 |
| Noncurrent loans to loans | 0.1447% | 3,082 |
| Net loans and leases to total assets | 56.0348% | 2,521 |
| Net loans and leases to deposits | 63.9368% | 2,532 |
| Net loans and leases to core deposits | 65.9216% | 2,633 |
| Total domestic deposits to total assets | 87.6408% | 2,690 |
| Equity capital to assets | 11.8236% | 1,013 |
| Core capital (leverage) ratio | 8.8253% | 3,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5088% | 2,770 |
| Memoranda: | ||
| Average total assets | $1,224,969,500 | 841 |
| Average earning assets | $1,107,629,000 | 861 |
| Average equity | $153,179,500 | 699 |
| Average total loans | $695,930,500 | 881 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6372% | 2,289 |
| Cost of funding earning assets | 0.0326% | 4,749 |
| Net interest margin | 3.6045% | 1,454 |
| Noninterest income to average assets | 0.3436% | 3,358 |
| Noninterest expense to average assets | 2.0232% | 3,607 |
| Loan and lease loss provision to assets | 0.0402% | 2,237 |
| Net operating income to assets | 1.1570% | 2,074 |
| Return on assets (ROA) | 1.2049% | 1,955 |
| Pretax return on assets | 1.5591% | 1,546 |
| Return on Equity (ROE) | 9.0594% | 2,889 |
| Retained earnings to average equity (ytd only) | 6.4199% | 2,170 |
| Net charge-offs to loans | 0.0959% | 877 |
| Credit loss provision to net charge-offs | 90.6349% | 1,876 |
| Earnings coverage of net charge-offs (x) | 27.8270% | 1,666 |
| Efficiency ratio | 54.6115% | 3,859 |
| Assets per employee ($millions) | 19.1312% | 120 |
| Cash dividends to net income (ytd only)* | 29.1354% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9510% | 3,930 |
| Loan loss allowance to noncurrent loans | 877.8071% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.0618% | 3,549 |
| Noncurrent loans to loans | 0.1083% | 3,384 |
| Net loans and leases to total assets | 56.5282% | 2,535 |
| Net loans and leases to deposits | 65.8364% | 2,529 |
| Net loans and leases to core deposits | 65.9990% | 2,820 |
| Total domestic deposits to total assets | 85.8616% | 2,956 |
| Equity capital to assets | 13.1866% | 850 |
| Core capital (leverage) ratio | 9.2218% | 3,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8216% | 2,696 |
| Memoranda: | ||
| Average total assets | $1,139,386,200 | 869 |
| Average earning assets | $1,017,273,000 | 892 |
| Average equity | $151,545,000 | 704 |
| Average total loans | $657,108,000 | 927 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7515% | 2,141 |
| Cost of funding earning assets | 0.0312% | 4,839 |
| Net interest margin | 3.7202% | 1,296 |
| Noninterest income to average assets | 0.3539% | 3,333 |
| Noninterest expense to average assets | 1.9266% | 3,875 |
| Loan and lease loss provision to assets | 0.0588% | 1,815 |
| Net operating income to assets | 1.2947% | 1,844 |
| Return on assets (ROA) | 1.3175% | 1,823 |
| Pretax return on assets | 1.7058% | 1,389 |
| Return on Equity (ROE) | 9.8825% | 2,780 |
| Retained earnings to average equity (ytd only) | 6.3048% | 2,693 |
| Net charge-offs to loans | 0.1381% | 590 |
| Credit loss provision to net charge-offs | 85.6716% | 1,689 |
| Earnings coverage of net charge-offs (x) | 21.7254% | 1,704 |
| Efficiency ratio | 50.4151% | 4,184 |
| Assets per employee ($millions) | 19.7788% | 107 |
| Cash dividends to net income (ytd only)* | 36.2024% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0047% | 3,828 |
| Loan loss allowance to noncurrent loans | 234.4925% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 0.2336% | 2,606 |
| Noncurrent loans to loans | 0.4285% | 2,273 |
| Net loans and leases to total assets | 53.9644% | 2,973 |
| Net loans and leases to deposits | 65.8606% | 2,639 |
| Net loans and leases to core deposits | 66.0345% | 2,955 |
| Total domestic deposits to total assets | 81.9373% | 3,940 |
| Equity capital to assets | 12.6006% | 1,136 |
| Core capital (leverage) ratio | 8.5007% | 4,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9892% | 2,970 |
| Memoranda: | ||
| Average total assets | $1,118,133,750 | 890 |
| Average earning assets | $994,362,250 | 918 |
| Average equity | $149,067,250 | 726 |
| Average total loans | $646,691,500 | 954 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6905% | 2,361 |
| Cost of funding earning assets | 0.0304% | 4,878 |
| Net interest margin | 3.6601% | 1,443 |
| Noninterest income to average assets | 0.3472% | 3,372 |
| Noninterest expense to average assets | 1.9510% | 3,831 |
| Loan and lease loss provision to assets | 0.1161% | 1,089 |
| Net operating income to assets | 1.1815% | 2,255 |
| Return on assets (ROA) | 1.2130% | 2,217 |
| Pretax return on assets | 1.5687% | 1,828 |
| Return on Equity (ROE) | 8.9181% | 3,120 |
| Retained earnings to average equity (ytd only) | 3.5157% | 3,680 |
| Net charge-offs to loans | 0.2022% | 426 |
| Credit loss provision to net charge-offs | 106.7692% | 1,327 |
| Earnings coverage of net charge-offs (x) | 13.7754% | 1,686 |
| Efficiency ratio | 51.9567% | 4,053 |
| Assets per employee ($millions) | 17.3355% | 144 |
| Cash dividends to net income (ytd only)* | 60.5785% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9904% | 3,854 |
| Loan loss allowance to noncurrent loans | 223.4437% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 0.2680% | 2,586 |
| Noncurrent loans to loans | 0.4432% | 2,340 |
| Net loans and leases to total assets | 59.8693% | 2,442 |
| Net loans and leases to deposits | 70.0197% | 2,404 |
| Net loans and leases to core deposits | 70.2313% | 2,758 |
| Total domestic deposits to total assets | 85.5035% | 2,910 |
| Equity capital to assets | 13.2665% | 875 |
| Core capital (leverage) ratio | 8.6651% | 3,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1606% | 2,931 |
| Memoranda: | ||
| Average total assets | $1,088,676,333 | 902 |
| Average earning assets | $966,309,667 | 937 |
| Average equity | $148,080,667 | 722 |
| Average total loans | $643,024,667 | 962 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6699% | 2,437 |
| Cost of funding earning assets | 0.0351% | 4,906 |
| Net interest margin | 3.6349% | 1,489 |
| Noninterest income to average assets | 0.3055% | 3,585 |
| Noninterest expense to average assets | 2.0411% | 3,587 |
| Loan and lease loss provision to assets | 0.0486% | 2,110 |
| Net operating income to assets | 1.1115% | 2,435 |
| Return on assets (ROA) | 1.1200% | 2,490 |
| Pretax return on assets | 1.4443% | 2,152 |
| Return on Equity (ROE) | 8.1288% | 3,286 |
| Retained earnings to average equity (ytd only) | 8.1288% | 2,197 |
| Net charge-offs to loans | 0.4283% | 189 |
| Credit loss provision to net charge-offs | 15.8683% | 1,436 |
| Earnings coverage of net charge-offs (x) | 5.9326% | 1,663 |
| Efficiency ratio | 55.5249% | 3,602 |
| Assets per employee ($millions) | 17.4198% | 137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9789% | 3,925 |
| Loan loss allowance to noncurrent loans | 149.0415% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 0.3878% | 2,249 |
| Noncurrent loans to loans | 0.6568% | 1,929 |
| Net loans and leases to total assets | 58.4699% | 2,749 |
| Net loans and leases to deposits | 69.2868% | 2,573 |
| Net loans and leases to core deposits | 69.5320% | 2,904 |
| Total domestic deposits to total assets | 84.3882% | 3,314 |
| Equity capital to assets | 13.8495% | 703 |
| Core capital (leverage) ratio | 8.8604% | 3,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3777% | 2,536 |
| Memoranda: | ||
| Average total assets | $1,069,611,000 | 908 |
| Average earning assets | $946,830,500 | 939 |
| Average equity | $147,377,000 | 721 |
| Average total loans | $623,857,500 | 982 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9713% | 2,816 |
| Cost of funding earning assets | 0.1066% | 4,851 |
| Net interest margin | 3.8646% | 1,321 |
| Noninterest income to average assets | 0.3599% | 3,308 |
| Noninterest expense to average assets | 2.1948% | 3,675 |
| Loan and lease loss provision to assets | 0.9963% | 97 |
| Net operating income to assets | 0.4432% | 4,158 |
| Return on assets (ROA) | 0.4604% | 4,198 |
| Pretax return on assets | 0.5735% | 4,138 |
| Return on Equity (ROE) | 3.2043% | 4,323 |
| Retained earnings to average equity (ytd only) | -1.7232% | 4,688 |
| Net charge-offs to loans | 1.1486% | 109 |
| Credit loss provision to net charge-offs | 147.6319% | 2,438 |
| Earnings coverage of net charge-offs (x) | 2.2942% | 3,178 |
| Efficiency ratio | 55.9327% | 3,991 |
| Assets per employee ($millions) | 16.3123% | 144 |
| Cash dividends to net income (ytd only)* | 153.7786% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0808% | 3,551 |
| Loan loss allowance to noncurrent loans | 146.1840% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 0.4260% | 2,299 |
| Noncurrent loans to loans | 0.7394% | 1,854 |
| Net loans and leases to total assets | 56.9901% | 3,204 |
| Net loans and leases to deposits | 73.3065% | 2,562 |
| Net loans and leases to core deposits | 73.5844% | 2,944 |
| Total domestic deposits to total assets | 77.7422% | 4,345 |
| Equity capital to assets | 13.7085% | 871 |
| Core capital (leverage) ratio | 8.5685% | 4,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6213% | 2,763 |
| Memoranda: | ||
| Average total assets | $988,690,000 | 892 |
| Average earning assets | $865,512,400 | 934 |
| Average equity | $142,061,200 | 706 |
| Average total loans | $580,901,400 | 1,007 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9925% | 2,994 |
| Cost of funding earning assets | 0.1310% | 4,856 |
| Net interest margin | 3.8614% | 1,442 |
| Noninterest income to average assets | 0.3729% | 3,216 |
| Noninterest expense to average assets | 2.3513% | 3,283 |
| Loan and lease loss provision to assets | 1.3036% | 78 |
| Net operating income to assets | 0.0928% | 4,709 |
| Return on assets (ROA) | 0.1128% | 4,716 |
| Pretax return on assets | 0.1112% | 4,720 |
| Return on Equity (ROE) | 0.7753% | 4,729 |
| Retained earnings to average equity (ytd only) | -5.8590% | 4,864 |
| Net charge-offs to loans | 1.5867% | 68 |
| Credit loss provision to net charge-offs | 139.0818% | 2,390 |
| Earnings coverage of net charge-offs (x) | 1.4881% | 3,070 |
| Efficiency ratio | 59.9794% | 3,393 |
| Assets per employee ($millions) | 15.1078% | 158 |
| Cash dividends to net income (ytd only)* | 855.7457% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0192% | 3,620 |
| Loan loss allowance to noncurrent loans | 131.8124% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 0.4499% | 2,381 |
| Noncurrent loans to loans | 0.7732% | 1,884 |
| Net loans and leases to total assets | 57.5926% | 3,459 |
| Net loans and leases to deposits | 70.1433% | 3,306 |
| Net loans and leases to core deposits | 70.4044% | 3,598 |
| Total domestic deposits to total assets | 82.1070% | 3,394 |
| Equity capital to assets | 13.6374% | 961 |
| Core capital (leverage) ratio | 8.3736% | 4,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6837% | 2,731 |
| Memoranda: | ||
| Average total assets | $966,708,750 | 897 |
| Average earning assets | $844,470,750 | 938 |
| Average equity | $140,679,500 | 705 |
| Average total loans | $571,059,750 | 1,019 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0860% | 3,086 |
| Cost of funding earning assets | 0.1790% | 4,812 |
| Net interest margin | 3.9071% | 1,548 |
| Noninterest income to average assets | 0.4234% | 2,953 |
| Noninterest expense to average assets | 2.5048% | 2,948 |
| Loan and lease loss provision to assets | 0.6974% | 400 |
| Net operating income to assets | 0.5008% | 4,017 |
| Return on assets (ROA) | 0.5018% | 4,087 |
| Pretax return on assets | 0.6307% | 4,001 |
| Return on Equity (ROE) | 3.3698% | 4,268 |
| Retained earnings to average equity (ytd only) | -6.6169% | 4,835 |
| Net charge-offs to loans | 0.3330% | 489 |
| Credit loss provision to net charge-offs | 352.6316% | 1,507 |
| Earnings coverage of net charge-offs (x) | 6.7089% | 2,421 |
| Efficiency ratio | 62.5658% | 3,033 |
| Assets per employee ($millions) | 14.1356% | 195 |
| Cash dividends to net income (ytd only)* | 296.3590% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9684% | 3,718 |
| Loan loss allowance to noncurrent loans | 156.7885% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 0.3633% | 2,847 |
| Noncurrent loans to loans | 0.6176% | 2,313 |
| Net loans and leases to total assets | 58.2532% | 3,492 |
| Net loans and leases to deposits | 69.1599% | 3,486 |
| Net loans and leases to core deposits | 69.4491% | 3,746 |
| Total domestic deposits to total assets | 84.2297% | 2,674 |
| Equity capital to assets | 13.7412% | 911 |
| Core capital (leverage) ratio | 8.9941% | 3,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7641% | 2,707 |
| Memoranda: | ||
| Average total assets | $941,466,333 | 900 |
| Average earning assets | $821,283,667 | 950 |
| Average equity | $140,185,667 | 699 |
| Average total loans | $559,230,333 | 1,025 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3538% | 2,765 |
| Cost of funding earning assets | 0.3022% | 4,654 |
| Net interest margin | 4.0516% | 1,247 |
| Noninterest income to average assets | 0.5119% | 2,496 |
| Noninterest expense to average assets | 2.5993% | 2,982 |
| Loan and lease loss provision to assets | 0.9038% | 256 |
| Net operating income to assets | 0.4119% | 4,109 |
| Return on assets (ROA) | 0.4012% | 4,168 |
| Pretax return on assets | 0.5016% | 4,118 |
| Return on Equity (ROE) | 2.5800% | 4,319 |
| Retained earnings to average equity (ytd only) | -17.5088% | 4,932 |
| Net charge-offs to loans | 0.4834% | 301 |
| Credit loss provision to net charge-offs | 312.9830% | 1,141 |
| Earnings coverage of net charge-offs (x) | 4.9134% | 2,102 |
| Efficiency ratio | 61.8461% | 3,516 |
| Assets per employee ($millions) | 12.1819% | 230 |
| Cash dividends to net income (ytd only)* | 778.6429% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9227% | 4,027 |
| Loan loss allowance to noncurrent loans | 156.5273% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 0.3523% | 3,024 |
| Noncurrent loans to loans | 0.5895% | 2,530 |
| Net loans and leases to total assets | 59.2149% | 3,573 |
| Net loans and leases to deposits | 74.5367% | 3,216 |
| Net loans and leases to core deposits | 75.0832% | 3,564 |
| Total domestic deposits to total assets | 79.4439% | 3,967 |
| Equity capital to assets | 15.1807% | 728 |
| Core capital (leverage) ratio | 9.9224% | 3,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7916% | 2,801 |
| Memoranda: | ||
| Average total assets | $896,250,000 | 911 |
| Average earning assets | $775,603,500 | 966 |
| Average equity | $139,381,000 | 693 |
| Average total loans | $535,349,500 | 1,035 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9616% | 1,583 |
| Cost of funding earning assets | 0.3951% | 4,455 |
| Net interest margin | 4.5666% | 614 |
| Noninterest income to average assets | 0.5197% | 2,628 |
| Noninterest expense to average assets | 2.5810% | 3,233 |
| Loan and lease loss provision to assets | 0.1790% | 1,168 |
| Net operating income to assets | 1.3112% | 1,645 |
| Return on assets (ROA) | 1.3552% | 1,570 |
| Pretax return on assets | 1.7697% | 1,023 |
| Return on Equity (ROE) | 8.2748% | 3,049 |
| Retained earnings to average equity (ytd only) | 2.6524% | 3,710 |
| Net charge-offs to loans | 0.1938% | 1,044 |
| Credit loss provision to net charge-offs | 151.1176% | 1,688 |
| Earnings coverage of net charge-offs (x) | 15.9825% | 2,201 |
| Efficiency ratio | 54.7917% | 4,345 |
| Assets per employee ($millions) | 11.1509% | 284 |
| Cash dividends to net income (ytd only)* | 67.9463% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7248% | 4,523 |
| Loan loss allowance to noncurrent loans | 103.6880% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 0.4173% | 2,724 |
| Noncurrent loans to loans | 0.6990% | 2,131 |
| Net loans and leases to total assets | 59.2658% | 3,650 |
| Net loans and leases to deposits | 75.6274% | 3,214 |
| Net loans and leases to core deposits | 76.2397% | 3,560 |
| Total domestic deposits to total assets | 78.3656% | 4,304 |
| Equity capital to assets | 15.9167% | 624 |
| Core capital (leverage) ratio | 10.4320% | 3,029 |
| Tier 1 risk-based capital ratio | 12.6405% | 3,986 |
| Total risk-based capital ratio | 13.2082% | 4,266 |
| Memoranda: | ||
| Average total assets | $868,773,200 | 908 |
| Average earning assets | $752,293,000 | 959 |
| Average equity | $142,287,000 | 656 |
| Average total loans | $530,898,600 | 1,018 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9979% | 1,547 |
| Cost of funding earning assets | 0.4014% | 4,495 |
| Net interest margin | 4.5965% | 624 |
| Noninterest income to average assets | 0.5346% | 2,538 |
| Noninterest expense to average assets | 2.6332% | 3,067 |
| Loan and lease loss provision to assets | 0.2378% | 705 |
| Net operating income to assets | 1.2535% | 2,004 |
| Return on assets (ROA) | 1.3137% | 1,872 |
| Pretax return on assets | 1.7193% | 1,289 |
| Return on Equity (ROE) | 7.9621% | 3,326 |
| Retained earnings to average equity (ytd only) | 2.7950% | 3,975 |
| Net charge-offs to loans | 0.2544% | 694 |
| Credit loss provision to net charge-offs | 152.0317% | 1,613 |
| Earnings coverage of net charge-offs (x) | 12.0268% | 2,396 |
| Efficiency ratio | 55.4064% | 4,232 |
| Assets per employee ($millions) | 10.4518% | 307 |
| Cash dividends to net income (ytd only)* | 64.8967% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7196% | 4,608 |
| Loan loss allowance to noncurrent loans | 102.5190% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 0.4290% | 2,790 |
| Noncurrent loans to loans | 0.7019% | 2,202 |
| Net loans and leases to total assets | 60.6778% | 3,621 |
| Net loans and leases to deposits | 74.9592% | 3,388 |
| Net loans and leases to core deposits | 75.5562% | 3,725 |
| Total domestic deposits to total assets | 80.9478% | 3,776 |
| Equity capital to assets | 16.2875% | 590 |
| Core capital (leverage) ratio | 10.6623% | 2,963 |
| Tier 1 risk-based capital ratio | 12.8622% | 3,924 |
| Total risk-based capital ratio | 13.4463% | 4,195 |
| Memoranda: | ||
| Average total assets | $860,161,500 | 911 |
| Average earning assets | $744,716,000 | 968 |
| Average equity | $141,918,000 | 653 |
| Average total loans | $528,821,000 | 1,019 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0322% | 1,392 |
| Cost of funding earning assets | 0.3894% | 4,548 |
| Net interest margin | 4.6428% | 562 |
| Noninterest income to average assets | 0.5304% | 2,501 |
| Noninterest expense to average assets | 2.6880% | 2,947 |
| Loan and lease loss provision to assets | 0.2407% | 646 |
| Net operating income to assets | 1.2451% | 1,980 |
| Return on assets (ROA) | 1.2163% | 2,144 |
| Pretax return on assets | 1.5845% | 1,592 |
| Return on Equity (ROE) | 7.3395% | 3,556 |
| Retained earnings to average equity (ytd only) | 2.3746% | 3,992 |
| Net charge-offs to loans | 0.3827% | 435 |
| Credit loss provision to net charge-offs | 102.0937% | 1,932 |
| Earnings coverage of net charge-offs (x) | 7.8953% | 2,452 |
| Efficiency ratio | 56.1360% | 4,231 |
| Assets per employee ($millions) | 9.8497% | 345 |
| Cash dividends to net income (ytd only)* | 67.6459% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6465% | 4,798 |
| Loan loss allowance to noncurrent loans | 88.0010% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 0.4565% | 2,694 |
| Noncurrent loans to loans | 0.7347% | 2,151 |
| Net loans and leases to total assets | 61.7383% | 3,579 |
| Net loans and leases to deposits | 75.8606% | 3,349 |
| Net loans and leases to core deposits | 78.0192% | 3,577 |
| Total domestic deposits to total assets | 81.3838% | 3,698 |
| Equity capital to assets | 16.8939% | 481 |
| Core capital (leverage) ratio | 10.7862% | 2,804 |
| Tier 1 risk-based capital ratio | 13.2484% | 3,712 |
| Total risk-based capital ratio | 13.7825% | 4,000 |
| Memoranda: | ||
| Average total assets | $850,748,330 | 915 |
| Average earning assets | $736,498,000 | 978 |
| Average equity | $140,991,330 | 653 |
| Average total loans | $524,105,000 | 1,023 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1453% | 1,011 |
| Cost of funding earning assets | 0.3867% | 4,543 |
| Net interest margin | 4.7586% | 437 |
| Noninterest income to average assets | 0.5189% | 2,442 |
| Noninterest expense to average assets | 2.6118% | 3,182 |
| Loan and lease loss provision to assets | 0.5649% | 183 |
| Net operating income to assets | 1.1252% | 2,371 |
| Return on assets (ROA) | 1.1311% | 2,396 |
| Pretax return on assets | 1.4718% | 1,862 |
| Return on Equity (ROE) | 6.8918% | 3,714 |
| Retained earnings to average equity (ytd only) | 2.6041% | 3,888 |
| Net charge-offs to loans | -0.0069% | 4,104 |
| Credit loss provision to net charge-offs | -13,377.7778% | 4,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3664% | 4,591 |
| Assets per employee ($millions) | 9.9474% | 345 |
| Cash dividends to net income (ytd only)* | 62.2148% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8547% | 4,328 |
| Loan loss allowance to noncurrent loans | 95.5699% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 0.5620% | 2,396 |
| Noncurrent loans to loans | 0.8944% | 1,865 |
| Net loans and leases to total assets | 62.3035% | 3,476 |
| Net loans and leases to deposits | 78.7458% | 2,974 |
| Net loans and leases to core deposits | 83.0049% | 3,111 |
| Total domestic deposits to total assets | 79.1199% | 4,331 |
| Equity capital to assets | 16.4977% | 498 |
| Core capital (leverage) ratio | 10.5630% | 2,982 |
| Tier 1 risk-based capital ratio | 13.0346% | 3,864 |
| Total risk-based capital ratio | 13.7500% | 4,039 |
| Memoranda: | ||
| Average total assets | $852,584,500 | 918 |
| Average earning assets | $738,534,500 | 980 |
| Average equity | $139,935,000 | 657 |
| Average total loans | $522,971,000 | 1,033 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6713% | 1,928 |
| Cost of funding earning assets | 0.2002% | 4,998 |
| Net interest margin | 4.4711% | 806 |
| Noninterest income to average assets | 0.4589% | 3,054 |
| Noninterest expense to average assets | 2.5364% | 3,506 |
| Loan and lease loss provision to assets | 0.1596% | 1,289 |
| Net operating income to assets | 1.2893% | 1,849 |
| Return on assets (ROA) | 1.2827% | 1,863 |
| Pretax return on assets | 1.6461% | 1,322 |
| Return on Equity (ROE) | 7.9491% | 3,464 |
| Retained earnings to average equity (ytd only) | 1.0671% | 4,689 |
| Net charge-offs to loans | 0.1083% | 1,662 |
| Credit loss provision to net charge-offs | 253.7175% | 1,175 |
| Earnings coverage of net charge-offs (x) | 28.8457% | 1,638 |
| Efficiency ratio | 54.8970% | 4,529 |
| Assets per employee ($millions) | 9.8802% | 353 |
| Cash dividends to net income (ytd only)* | 86.5761% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6653% | 4,873 |
| Loan loss allowance to noncurrent loans | 79.2223% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 0.5024% | 2,575 |
| Noncurrent loans to loans | 0.8398% | 1,925 |
| Net loans and leases to total assets | 59.4301% | 3,825 |
| Net loans and leases to deposits | 79.0018% | 3,053 |
| Net loans and leases to core deposits | 80.1190% | 3,417 |
| Total domestic deposits to total assets | 75.2262% | 4,844 |
| Equity capital to assets | 16.3278% | 486 |
| Core capital (leverage) ratio | 10.5254% | 2,995 |
| Tier 1 risk-based capital ratio | 13.1669% | 3,746 |
| Total risk-based capital ratio | 13.7090% | 4,034 |
| Memoranda: | ||
| Average total assets | $855,472,200 | 888 |
| Average earning assets | $744,585,400 | 942 |
| Average equity | $138,040,800 | 630 |
| Average total loans | $496,843,800 | 1,055 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5654% | 2,085 |
| Cost of funding earning assets | 0.1939% | 5,038 |
| Net interest margin | 4.3715% | 960 |
| Noninterest income to average assets | 0.4494% | 3,176 |
| Noninterest expense to average assets | 2.5416% | 3,471 |
| Loan and lease loss provision to assets | 0.1179% | 1,721 |
| Net operating income to assets | 1.2602% | 1,997 |
| Return on assets (ROA) | 1.2514% | 2,045 |
| Pretax return on assets | 1.5814% | 1,630 |
| Return on Equity (ROE) | 7.7783% | 3,634 |
| Retained earnings to average equity (ytd only) | 0.5251% | 4,947 |
| Net charge-offs to loans | 0.0910% | 1,595 |
| Credit loss provision to net charge-offs | 224.9258% | 1,273 |
| Earnings coverage of net charge-offs (x) | 32.6203% | 1,541 |
| Efficiency ratio | 56.2683% | 4,352 |
| Assets per employee ($millions) | 9.5658% | 375 |
| Cash dividends to net income (ytd only)* | 93.2488% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6012% | 5,043 |
| Loan loss allowance to noncurrent loans | 267.3854% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.1764% | 4,069 |
| Noncurrent loans to loans | 0.2248% | 3,902 |
| Net loans and leases to total assets | 57.7961% | 4,061 |
| Net loans and leases to deposits | 69.6834% | 3,943 |
| Net loans and leases to core deposits | 70.6232% | 4,149 |
| Total domestic deposits to total assets | 82.9410% | 3,328 |
| Equity capital to assets | 15.9849% | 543 |
| Core capital (leverage) ratio | 10.4270% | 3,156 |
| Tier 1 risk-based capital ratio | 13.0483% | 3,879 |
| Total risk-based capital ratio | 13.5279% | 4,221 |
| Memoranda: | ||
| Average total assets | $856,916,250 | 887 |
| Average earning assets | $745,422,500 | 939 |
| Average equity | $137,866,750 | 622 |
| Average total loans | $493,965,500 | 1,062 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4835% | 2,149 |
| Cost of funding earning assets | 0.1995% | 5,032 |
| Net interest margin | 4.2840% | 1,066 |
| Noninterest income to average assets | 0.4329% | 3,270 |
| Noninterest expense to average assets | 2.5974% | 3,337 |
| Loan and lease loss provision to assets | 0.0729% | 2,430 |
| Net operating income to assets | 1.1825% | 2,270 |
| Return on assets (ROA) | 1.1731% | 2,300 |
| Pretax return on assets | 1.4819% | 1,877 |
| Return on Equity (ROE) | 7.2758% | 3,805 |
| Retained earnings to average equity (ytd only) | 3.6646% | 3,763 |
| Net charge-offs to loans | 0.0863% | 1,474 |
| Credit loss provision to net charge-offs | 146.9484% | 1,596 |
| Earnings coverage of net charge-offs (x) | 31.5822% | 1,451 |
| Efficiency ratio | 58.7919% | 4,115 |
| Assets per employee ($millions) | 8.4622% | 526 |
| Cash dividends to net income (ytd only)* | 49.6327% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5583% | 5,180 |
| Loan loss allowance to noncurrent loans | 175.1319% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 0.2251% | 3,879 |
| Noncurrent loans to loans | 0.3188% | 3,567 |
| Net loans and leases to total assets | 55.8812% | 4,175 |
| Net loans and leases to deposits | 67.8969% | 4,024 |
| Net loans and leases to core deposits | 68.9228% | 4,206 |
| Total domestic deposits to total assets | 82.3030% | 3,628 |
| Equity capital to assets | 16.3611% | 460 |
| Core capital (leverage) ratio | 10.8467% | 2,662 |
| Tier 1 risk-based capital ratio | 14.0267% | 3,349 |
| Total risk-based capital ratio | 14.4784% | 3,694 |
| Memoranda: | ||
| Average total assets | $858,769,000 | 886 |
| Average earning assets | $747,937,330 | 940 |
| Average equity | $138,459,330 | 620 |
| Average total loans | $493,611,330 | 1,061 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5306% | 1,779 |
| Cost of funding earning assets | 0.2168% | 4,917 |
| Net interest margin | 4.3138% | 928 |
| Noninterest income to average assets | 0.4347% | 3,206 |
| Noninterest expense to average assets | 2.5377% | 3,534 |
| Loan and lease loss provision to assets | 0.2312% | 672 |
| Net operating income to assets | 1.1141% | 2,361 |
| Return on assets (ROA) | 1.0973% | 2,444 |
| Pretax return on assets | 1.3988% | 2,010 |
| Return on Equity (ROE) | 6.8552% | 3,841 |
| Retained earnings to average equity (ytd only) | 5.4108% | 2,990 |
| Net charge-offs to loans | 0.3708% | 424 |
| Credit loss provision to net charge-offs | 107.2961% | 1,471 |
| Earnings coverage of net charge-offs (x) | 7.6631% | 2,068 |
| Efficiency ratio | 57.0041% | 4,463 |
| Assets per employee ($millions) | 8.8463% | 471 |
| Cash dividends to net income (ytd only)* | 21.0704% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5268% | 5,294 |
| Loan loss allowance to noncurrent loans | 156.9091% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 0.2533% | 3,852 |
| Noncurrent loans to loans | 0.3357% | 3,561 |
| Net loans and leases to total assets | 60.7278% | 3,676 |
| Net loans and leases to deposits | 74.0629% | 3,408 |
| Net loans and leases to core deposits | 81.1194% | 3,229 |
| Total domestic deposits to total assets | 81.9948% | 3,963 |
| Equity capital to assets | 17.2054% | 384 |
| Core capital (leverage) ratio | 10.4036% | 3,059 |
| Tier 1 risk-based capital ratio | 13.6486% | 3,574 |
| Total risk-based capital ratio | 14.0816% | 3,934 |
| Memoranda: | ||
| Average total assets | $865,046,000 | 887 |
| Average earning assets | $752,837,500 | 941 |
| Average equity | $138,464,000 | 620 |
| Average total loans | $502,652,000 | 1,047 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6676% | 1,266 |
| Cost of funding earning assets | 0.1471% | 5,278 |
| Net interest margin | 4.5204% | 590 |
| Noninterest income to average assets | 0.4127% | 3,550 |
| Noninterest expense to average assets | 2.6491% | 3,286 |
| Loan and lease loss provision to assets | 0.2104% | 948 |
| Net operating income to assets | 0.9486% | 2,459 |
| Return on assets (ROA) | 0.9973% | 2,290 |
| Pretax return on assets | 1.5529% | 1,444 |
| Return on Equity (ROE) | 6.3383% | 3,613 |
| Retained earnings to average equity (ytd only) | 1.3710% | 4,459 |
| Net charge-offs to loans | 0.1325% | 1,731 |
| Credit loss provision to net charge-offs | 299.1453% | 953 |
| Earnings coverage of net charge-offs (x) | 23.9829% | 1,776 |
| Efficiency ratio | 57.3433% | 4,611 |
| Assets per employee ($millions) | 10.2786% | 289 |
| Cash dividends to net income (ytd only)* | 78.3699% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4972% | 5,391 |
| Loan loss allowance to noncurrent loans | 156.7485% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 0.1762% | 4,246 |
| Noncurrent loans to loans | 0.3172% | 3,643 |
| Net loans and leases to total assets | 55.2703% | 4,251 |
| Net loans and leases to deposits | 72.5092% | 3,648 |
| Net loans and leases to core deposits | 79.3263% | 3,469 |
| Total domestic deposits to total assets | 76.2251% | 4,952 |
| Equity capital to assets | 14.9633% | 687 |
| Core capital (leverage) ratio | 9.7975% | 3,698 |
| Tier 1 risk-based capital ratio | 12.5563% | 4,173 |
| Total risk-based capital ratio | 12.9519% | 4,604 |
| Memoranda: | ||
| Average total assets | $831,610,200 | 898 |
| Average earning assets | $721,787,400 | 952 |
| Average equity | $130,856,000 | 632 |
| Average total loans | $441,651,200 | 1,147 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7037% | 1,124 |
| Cost of funding earning assets | 0.1338% | 5,409 |
| Net interest margin | 4.5699% | 519 |
| Noninterest income to average assets | 0.4213% | 3,546 |
| Noninterest expense to average assets | 2.7936% | 2,749 |
| Loan and lease loss provision to assets | 0.1310% | 1,658 |
| Net operating income to assets | 1.0676% | 2,246 |
| Return on assets (ROA) | 1.1194% | 2,060 |
| Pretax return on assets | 1.5208% | 1,704 |
| Return on Equity (ROE) | 7.0157% | 3,655 |
| Retained earnings to average equity (ytd only) | 1.8465% | 4,694 |
| Net charge-offs to loans | 0.1555% | 1,307 |
| Credit loss provision to net charge-offs | 160.7287% | 1,594 |
| Earnings coverage of net charge-offs (x) | 19.4089% | 2,004 |
| Efficiency ratio | 60.0611% | 4,204 |
| Assets per employee ($millions) | 9.7417% | 346 |
| Cash dividends to net income (ytd only)* | 73.6811% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3686% | 5,580 |
| Loan loss allowance to noncurrent loans | 105.3616% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 0.1809% | 4,382 |
| Noncurrent loans to loans | 0.3499% | 3,696 |
| Net loans and leases to total assets | 51.5232% | 4,610 |
| Net loans and leases to deposits | 63.9166% | 4,382 |
| Net loans and leases to core deposits | 69.5938% | 4,260 |
| Total domestic deposits to total assets | 80.6102% | 4,169 |
| Equity capital to assets | 15.5995% | 615 |
| Core capital (leverage) ratio | 9.9359% | 3,642 |
| Tier 1 risk-based capital ratio | 12.5556% | 4,284 |
| Total risk-based capital ratio | 12.8183% | 4,799 |
| Memoranda: | ||
| Average total assets | $808,243,250 | 927 |
| Average earning assets | $699,318,500 | 983 |
| Average equity | $128,964,500 | 642 |
| Average total loans | $423,602,000 | 1,182 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7407% | 982 |
| Cost of funding earning assets | 0.1209% | 5,502 |
| Net interest margin | 4.6198% | 464 |
| Noninterest income to average assets | 0.4209% | 3,555 |
| Noninterest expense to average assets | 2.9856% | 2,154 |
| Loan and lease loss provision to assets | 0.1148% | 1,790 |
| Net operating income to assets | 0.9857% | 2,501 |
| Return on assets (ROA) | 0.9919% | 2,515 |
| Pretax return on assets | 1.3143% | 2,334 |
| Return on Equity (ROE) | 6.1642% | 3,975 |
| Retained earnings to average equity (ytd only) | 2.9859% | 3,940 |
| Net charge-offs to loans | 0.2413% | 847 |
| Credit loss provision to net charge-offs | 90.3421% | 2,136 |
| Earnings coverage of net charge-offs (x) | 11.1811% | 2,293 |
| Efficiency ratio | 63.9935% | 3,674 |
| Assets per employee ($millions) | 9.3512% | 367 |
| Cash dividends to net income (ytd only)* | 51.5597% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3001% | 5,665 |
| Loan loss allowance to noncurrent loans | 110.2712% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 0.1430% | 4,607 |
| Noncurrent loans to loans | 0.2722% | 4,068 |
| Net loans and leases to total assets | 52.3877% | 4,536 |
| Net loans and leases to deposits | 65.4333% | 4,263 |
| Net loans and leases to core deposits | 70.7229% | 4,180 |
| Total domestic deposits to total assets | 80.0627% | 4,395 |
| Equity capital to assets | 16.2252% | 508 |
| Core capital (leverage) ratio | 10.2478% | 3,208 |
| Tier 1 risk-based capital ratio | 13.8469% | 3,506 |
| Total risk-based capital ratio | 14.0779% | 4,017 |
| Memoranda: | ||
| Average total assets | $782,159,330 | 962 |
| Average earning assets | $674,798,330 | 1,003 |
| Average equity | $125,856,330 | 663 |
| Average total loans | $411,989,000 | 1,216 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6491% | 1,030 |
| Cost of funding earning assets | 0.1045% | 5,635 |
| Net interest margin | 4.5446% | 486 |
| Noninterest income to average assets | 0.3734% | 3,856 |
| Noninterest expense to average assets | 3.2160% | 1,562 |
| Loan and lease loss provision to assets | 0.1562% | 1,162 |
| Net operating income to assets | 0.7434% | 3,504 |
| Return on assets (ROA) | 0.6986% | 3,751 |
| Pretax return on assets | 0.8543% | 3,921 |
| Return on Equity (ROE) | 4.3624% | 4,641 |
| Retained earnings to average equity (ytd only) | 1.0221% | 4,653 |
| Net charge-offs to loans | 0.0030% | 2,865 |
| Credit loss provision to net charge-offs | 9,733.3333% | 28 |
| Earnings coverage of net charge-offs (x) | 663.6667% | 81 |
| Efficiency ratio | 71.4857% | 2,665 |
| Assets per employee ($millions) | 7.9152% | 647 |
| Cash dividends to net income (ytd only)* | 76.5697% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3812% | 5,700 |
| Loan loss allowance to noncurrent loans | 113.9851% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 0.1723% | 4,554 |
| Noncurrent loans to loans | 0.3345% | 3,904 |
| Net loans and leases to total assets | 51.3222% | 4,566 |
| Net loans and leases to deposits | 61.9466% | 4,439 |
| Net loans and leases to core deposits | 66.7654% | 4,380 |
| Total domestic deposits to total assets | 82.8491% | 3,904 |
| Equity capital to assets | 15.8407% | 519 |
| Core capital (leverage) ratio | 12.0824% | 1,574 |
| Tier 1 risk-based capital ratio | 14.0685% | 3,433 |
| Total risk-based capital ratio | 14.3675% | 3,915 |
| Memoranda: | ||
| Average total assets | $747,761,000 | 997 |
| Average earning assets | $642,966,000 | 1,056 |
| Average equity | $119,750,000 | 687 |
| Average total loans | $394,414,500 | 1,255 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4103% | 1,786 |
| Cost of funding earning assets | 0.0812% | 5,772 |
| Net interest margin | 4.3291% | 884 |
| Noninterest income to average assets | 0.5045% | 3,210 |
| Noninterest expense to average assets | 2.4882% | 4,053 |
| Loan and lease loss provision to assets | 0.1847% | 1,280 |
| Net operating income to assets | 1.0814% | 1,979 |
| Return on assets (ROA) | 1.2313% | 1,495 |
| Pretax return on assets | 1.7533% | 882 |
| Return on Equity (ROE) | 8.0510% | 2,908 |
| Retained earnings to average equity (ytd only) | 4.2299% | 2,895 |
| Net charge-offs to loans | 0.0024% | 4,188 |
| Credit loss provision to net charge-offs | 14,044.4444% | 28 |
| Earnings coverage of net charge-offs (x) | 1,311.0000% | 47 |
| Efficiency ratio | 52.6257% | 5,338 |
| Assets per employee ($millions) | 9.4218% | 369 |
| Cash dividends to net income (ytd only)* | 47.4608% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3989% | 5,736 |
| Loan loss allowance to noncurrent loans | 70.1312% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 0.3094% | 4,034 |
| Noncurrent loans to loans | 0.5688% | 3,134 |
| Net loans and leases to total assets | 54.1668% | 4,434 |
| Net loans and leases to deposits | 68.0277% | 4,082 |
| Net loans and leases to core deposits | 73.9724% | 3,926 |
| Total domestic deposits to total assets | 79.6246% | 4,653 |
| Equity capital to assets | 16.2464% | 467 |
| Core capital (leverage) ratio | 10.9126% | 2,432 |
| Tier 1 risk-based capital ratio | 14.1308% | 3,394 |
| Total risk-based capital ratio | 14.4357% | 3,876 |
| Memoranda: | ||
| Average total assets | $684,463,000 | 1,041 |
| Average earning assets | $586,199,200 | 1,108 |
| Average equity | $104,682,800 | 758 |
| Average total loans | $368,010,200 | 1,279 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2658% | 2,275 |
| Cost of funding earning assets | 0.0795% | 5,847 |
| Net interest margin | 4.1863% | 1,158 |
| Noninterest income to average assets | 0.3854% | 4,025 |
| Noninterest expense to average assets | 2.6014% | 3,653 |
| Loan and lease loss provision to assets | 0.1796% | 1,237 |
| Net operating income to assets | 0.8491% | 3,156 |
| Return on assets (ROA) | 1.0466% | 2,342 |
| Pretax return on assets | 1.4663% | 1,825 |
| Return on Equity (ROE) | 6.9430% | 3,589 |
| Retained earnings to average equity (ytd only) | 1.8556% | 4,754 |
| Net charge-offs to loans | -0.0014% | 4,457 |
| Credit loss provision to net charge-offs | -23,425.0000% | 5,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5790% | 4,877 |
| Assets per employee ($millions) | 9.4869% | 351 |
| Cash dividends to net income (ytd only)* | 73.2735% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3034% | 5,857 |
| Loan loss allowance to noncurrent loans | 22.7340% | 5,287 |
| Noncurrent assets plus other real estate owned to assets | 0.7446% | 2,697 |
| Noncurrent loans to loans | 1.3347% | 1,654 |
| Net loans and leases to total assets | 55.6200% | 4,349 |
| Net loans and leases to deposits | 67.8807% | 4,166 |
| Net loans and leases to core deposits | 73.5685% | 4,032 |
| Total domestic deposits to total assets | 81.9380% | 3,952 |
| Equity capital to assets | 16.5503% | 477 |
| Core capital (leverage) ratio | 10.5450% | 2,941 |
| Tier 1 risk-based capital ratio | 14.2066% | 3,456 |
| Total risk-based capital ratio | 14.4564% | 3,937 |
| Memoranda: | ||
| Average total assets | $695,407,750 | 1,031 |
| Average earning assets | $595,324,750 | 1,099 |
| Average equity | $104,831,500 | 762 |
| Average total loans | $372,905,750 | 1,264 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2325% | 2,395 |
| Cost of funding earning assets | 0.0800% | 5,927 |
| Net interest margin | 4.1525% | 1,215 |
| Noninterest income to average assets | 0.3584% | 4,205 |
| Noninterest expense to average assets | 2.6813% | 3,447 |
| Loan and lease loss provision to assets | 0.1652% | 1,358 |
| Net operating income to assets | 0.7495% | 3,549 |
| Return on assets (ROA) | 1.0219% | 2,426 |
| Pretax return on assets | 1.4782% | 1,747 |
| Return on Equity (ROE) | 6.9812% | 3,556 |
| Retained earnings to average equity (ytd only) | -0.6590% | 5,389 |
| Net charge-offs to loans | -0.0011% | 4,320 |
| Credit loss provision to net charge-offs | -29,550.0000% | 5,406 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8076% | 4,794 |
| Assets per employee ($millions) | 8.8651% | 410 |
| Cash dividends to net income (ytd only)* | 109.4391% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1935% | 5,974 |
| Loan loss allowance to noncurrent loans | 14.6982% | 5,465 |
| Noncurrent assets plus other real estate owned to assets | 0.7869% | 2,632 |
| Noncurrent loans to loans | 1.3164% | 1,715 |
| Net loans and leases to total assets | 59.6639% | 3,926 |
| Net loans and leases to deposits | 72.9877% | 3,703 |
| Net loans and leases to core deposits | 77.8895% | 3,651 |
| Total domestic deposits to total assets | 81.7450% | 4,075 |
| Equity capital to assets | 16.5442% | 481 |
| Core capital (leverage) ratio | 9.8033% | 3,806 |
| Tier 1 risk-based capital ratio | 13.5828% | 3,850 |
| Total risk-based capital ratio | 13.7524% | 4,434 |
| Memoranda: | ||
| Average total assets | $715,337,000 | 1,007 |
| Average earning assets | $615,236,670 | 1,061 |
| Average equity | $104,709,670 | 762 |
| Average total loans | $379,005,000 | 1,249 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3805% | 1,859 |
| Cost of funding earning assets | 0.1009% | 5,914 |
| Net interest margin | 4.2796% | 957 |
| Noninterest income to average assets | 0.3139% | 4,482 |
| Noninterest expense to average assets | 2.5705% | 3,846 |
| Loan and lease loss provision to assets | 0.0607% | 2,733 |
| Net operating income to assets | 0.9407% | 2,557 |
| Return on assets (ROA) | 1.0339% | 2,269 |
| Pretax return on assets | 1.5076% | 1,559 |
| Return on Equity (ROE) | 7.4668% | 3,201 |
| Retained earnings to average equity (ytd only) | 7.4668% | 1,678 |
| Net charge-offs to loans | -0.0179% | 4,804 |
| Credit loss provision to net charge-offs | -676.4706% | 4,646 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0277% | 5,565 |
| Assets per employee ($millions) | 9.2733% | 358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0709% | 6,062 |
| Loan loss allowance to noncurrent loans | 4.5470% | 5,531 |
| Noncurrent assets plus other real estate owned to assets | 0.7817% | 2,746 |
| Noncurrent loans to loans | 1.5583% | 1,498 |
| Net loans and leases to total assets | 50.1312% | 4,793 |
| Net loans and leases to deposits | 59.2823% | 4,764 |
| Net loans and leases to core deposits | 77.7978% | 3,510 |
| Total domestic deposits to total assets | 84.5635% | 3,292 |
| Equity capital to assets | 14.0980% | 945 |
| Core capital (leverage) ratio | 8.8375% | 5,040 |
| Tier 1 risk-based capital ratio | 13.2525% | 4,116 |
| Total risk-based capital ratio | 13.3145% | 4,791 |
| Memoranda: | ||
| Average total assets | $758,294,000 | 946 |
| Average earning assets | $653,799,500 | 1,011 |
| Average equity | $104,998,000 | 765 |
| Average total loans | $380,374,500 | 1,242 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3421% | 6,169 |
| Cost of funding earning assets | 0.0089% | 6,153 |
| Net interest margin | 0.3332% | 6,166 |
| Noninterest income to average assets | 0.0989% | 5,877 |
| Noninterest expense to average assets | 0.1599% | 6,177 |
| Loan and lease loss provision to assets | 0.0216% | 3,953 |
| Net operating income to assets | 0.1423% | 5,695 |
| Return on assets (ROA) | 0.1482% | 5,732 |
| Pretax return on assets | 0.2287% | 5,651 |
| Return on Equity (ROE) | 1.2941% | 5,721 |
| Retained earnings to average equity (ytd only) | 1.2941% | 4,977 |
| Net charge-offs to loans | 0.0030% | 4,359 |
| Credit loss provision to net charge-offs | 1,225.0000% | 275 |
| Earnings coverage of net charge-offs (x) | 136.7500% | 451 |
| Efficiency ratio | 34.9945% | 6,114 |
| Assets per employee ($millions) | 8.6983% | 433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0352% | 6,118 |
| Loan loss allowance to noncurrent loans | 2.7240% | 5,567 |
| Noncurrent assets plus other real estate owned to assets | 0.6475% | 3,110 |
| Noncurrent loans to loans | 1.2909% | 1,824 |
| Net loans and leases to total assets | 50.1395% | 4,855 |
| Net loans and leases to deposits | 59.3168% | 4,825 |
| Net loans and leases to core deposits | 77.3023% | 3,627 |
| Total domestic deposits to total assets | 84.5282% | 3,274 |
| Equity capital to assets | 13.6000% | 1,090 |
| Core capital (leverage) ratio | 8.5577% | 5,368 |
| Tier 1 risk-based capital ratio | 12.5167% | 4,625 |
| Total risk-based capital ratio | 12.5450% | 5,273 |
| Memoranda: | ||
| Average total assets | $680,264,800 | 1,015 |
| Average earning assets | $617,092,400 | 1,019 |
| Average equity | $77,891,400 | 979 |
| Average total loans | $398,460,000 | 1,159 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7112% | 4,386 |
| Cost of funding earning assets | 0.1247% | 5,948 |
| Net interest margin | 3.5866% | 3,213 |
| Noninterest income to average assets | 0.5374% | 3,122 |
| Noninterest expense to average assets | 2.0480% | 5,384 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1565% | 1,811 |
| Return on assets (ROA) | 1.2421% | 1,576 |
| Pretax return on assets | 1.9157% | 699 |
| Return on Equity (ROE) | 11.4736% | 1,541 |
| Retained earnings to average equity (ytd only) | 5.9545% | 2,278 |
| Net charge-offs to loans | -0.0172% | 5,151 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4453% | 5,557 |
| Assets per employee ($millions) | 7.1866% | 804 |
| Cash dividends to net income (ytd only)* | 48.1022% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0246% | 4,621 |
| Loan loss allowance to noncurrent loans | 43.1066% | 5,139 |
| Noncurrent assets plus other real estate owned to assets | 1.4427% | 1,573 |
| Noncurrent loans to loans | 2.3768% | 876 |
| Net loans and leases to total assets | 60.0792% | 3,876 |
| Net loans and leases to deposits | 68.6029% | 4,135 |
| Net loans and leases to core deposits | 83.2829% | 3,124 |
| Total domestic deposits to total assets | 87.5752% | 1,759 |
| Equity capital to assets | 10.6935% | 3,364 |
| Core capital (leverage) ratio | 8.9168% | 5,096 |
| Tier 1 risk-based capital ratio | 12.1597% | 4,988 |
| Total risk-based capital ratio | 13.0617% | 5,113 |
| Memoranda: | ||
| Average total assets | $658,968,250 | 1,047 |
| Average earning assets | $605,319,500 | 1,044 |
| Average equity | $71,339,000 | 1,074 |
| Average total loans | $402,093,000 | 1,152 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7248% | 4,337 |
| Cost of funding earning assets | 0.1138% | 6,072 |
| Net interest margin | 3.6110% | 3,042 |
| Noninterest income to average assets | 0.5096% | 3,312 |
| Noninterest expense to average assets | 1.9728% | 5,578 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1905% | 1,628 |
| Return on assets (ROA) | 1.3185% | 1,316 |
| Pretax return on assets | 2.0508% | 545 |
| Return on Equity (ROE) | 12.1273% | 1,334 |
| Retained earnings to average equity (ytd only) | 6.5638% | 1,918 |
| Net charge-offs to loans | -0.0201% | 5,175 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5948% | 5,747 |
| Assets per employee ($millions) | 6.8268% | 902 |
| Cash dividends to net income (ytd only)* | 45.8760% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0245% | 4,738 |
| Loan loss allowance to noncurrent loans | 41.3234% | 5,232 |
| Noncurrent assets plus other real estate owned to assets | 1.5634% | 1,559 |
| Noncurrent loans to loans | 2.4791% | 903 |
| Net loans and leases to total assets | 62.4160% | 3,488 |
| Net loans and leases to deposits | 71.3708% | 3,774 |
| Net loans and leases to core deposits | 88.7049% | 2,482 |
| Total domestic deposits to total assets | 87.4531% | 1,927 |
| Equity capital to assets | 10.9389% | 2,946 |
| Core capital (leverage) ratio | 9.0383% | 4,908 |
| Tier 1 risk-based capital ratio | 11.9210% | 5,201 |
| Total risk-based capital ratio | 12.8175% | 5,337 |
| Memoranda: | ||
| Average total assets | $651,047,330 | 1,063 |
| Average earning assets | $597,511,330 | 1,064 |
| Average equity | $70,782,670 | 1,089 |
| Average total loans | $397,982,330 | 1,158 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6982% | 4,373 |
| Cost of funding earning assets | 0.1116% | 6,149 |
| Net interest margin | 3.5866% | 3,060 |
| Noninterest income to average assets | 0.4136% | 3,889 |
| Noninterest expense to average assets | 1.9880% | 5,601 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1163% | 1,810 |
| Return on assets (ROA) | 1.3771% | 1,135 |
| Pretax return on assets | 2.1150% | 468 |
| Return on Equity (ROE) | 12.7061% | 1,162 |
| Retained earnings to average equity (ytd only) | 7.1038% | 1,972 |
| Net charge-offs to loans | -0.0256% | 5,166 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7052% | 5,700 |
| Assets per employee ($millions) | 6.4108% | 1,134 |
| Cash dividends to net income (ytd only)* | 44.0913% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0721% | 4,652 |
| Loan loss allowance to noncurrent loans | 50.4002% | 5,013 |
| Noncurrent assets plus other real estate owned to assets | 1.2928% | 2,058 |
| Noncurrent loans to loans | 2.1271% | 1,208 |
| Net loans and leases to total assets | 60.1277% | 3,633 |
| Net loans and leases to deposits | 69.3361% | 3,820 |
| Net loans and leases to core deposits | 72.6295% | 3,902 |
| Total domestic deposits to total assets | 86.7191% | 2,546 |
| Equity capital to assets | 10.9947% | 2,977 |
| Core capital (leverage) ratio | 9.2430% | 4,658 |
| Tier 1 risk-based capital ratio | 12.1226% | 5,165 |
| Total risk-based capital ratio | 13.0507% | 5,267 |
| Memoranda: | ||
| Average total assets | $648,884,000 | 1,072 |
| Average earning assets | $594,881,500 | 1,068 |
| Average equity | $70,328,500 | 1,097 |
| Average total loans | $390,327,500 | 1,176 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7482% | 4,650 |
| Cost of funding earning assets | 0.1181% | 6,256 |
| Net interest margin | 3.6300% | 3,292 |
| Noninterest income to average assets | 0.5615% | 3,114 |
| Noninterest expense to average assets | 2.1962% | 5,366 |
| Loan and lease loss provision to assets | -0.0828% | 6,113 |
| Net operating income to assets | 1.1114% | 1,939 |
| Return on assets (ROA) | 1.1899% | 1,687 |
| Pretax return on assets | 1.8618% | 696 |
| Return on Equity (ROE) | 10.5436% | 1,880 |
| Retained earnings to average equity (ytd only) | 5.2102% | 2,460 |
| Net charge-offs to loans | -0.0274% | 5,767 |
| Credit loss provision to net charge-offs | 505.0505% | 515 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0060% | 5,568 |
| Assets per employee ($millions) | 6.4384% | 1,088 |
| Cash dividends to net income (ytd only)* | 50.5843% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0834% | 4,623 |
| Loan loss allowance to noncurrent loans | 49.8573% | 5,114 |
| Noncurrent assets plus other real estate owned to assets | 1.2936% | 2,181 |
| Noncurrent loans to loans | 2.1730% | 1,234 |
| Net loans and leases to total assets | 58.8858% | 3,934 |
| Net loans and leases to deposits | 71.2778% | 3,759 |
| Net loans and leases to core deposits | 74.4469% | 3,881 |
| Total domestic deposits to total assets | 82.6144% | 4,211 |
| Equity capital to assets | 10.6828% | 3,260 |
| Core capital (leverage) ratio | 8.9476% | 5,067 |
| Tier 1 risk-based capital ratio | 12.4013% | 5,087 |
| Total risk-based capital ratio | 13.3780% | 5,187 |
| Memoranda: | ||
| Average total assets | $604,083,600 | 1,100 |
| Average earning assets | $547,679,600 | 1,102 |
| Average equity | $68,174,000 | 1,081 |
| Average total loans | $361,626,200 | 1,228 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7995% | 4,548 |
| Cost of funding earning assets | 0.1217% | 6,329 |
| Net interest margin | 3.6778% | 3,115 |
| Noninterest income to average assets | 0.5637% | 3,110 |
| Noninterest expense to average assets | 2.2607% | 5,202 |
| Loan and lease loss provision to assets | -0.1125% | 6,298 |
| Net operating income to assets | 1.1306% | 1,930 |
| Return on assets (ROA) | 1.2389% | 1,613 |
| Pretax return on assets | 1.9068% | 710 |
| Return on Equity (ROE) | 10.8196% | 1,867 |
| Retained earnings to average equity (ytd only) | 5.6063% | 2,667 |
| Net charge-offs to loans | -0.0499% | 5,908 |
| Credit loss provision to net charge-offs | 375.9398% | 745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1424% | 5,421 |
| Assets per employee ($millions) | 6.3769% | 1,094 |
| Cash dividends to net income (ytd only)* | 48.1837% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1975% | 4,243 |
| Loan loss allowance to noncurrent loans | 49.0829% | 5,176 |
| Noncurrent assets plus other real estate owned to assets | 1.3926% | 2,215 |
| Noncurrent loans to loans | 2.4397% | 1,216 |
| Net loans and leases to total assets | 56.3963% | 4,282 |
| Net loans and leases to deposits | 65.4460% | 4,391 |
| Net loans and leases to core deposits | 68.3638% | 4,474 |
| Total domestic deposits to total assets | 86.1722% | 2,776 |
| Equity capital to assets | 10.9659% | 2,989 |
| Core capital (leverage) ratio | 9.1438% | 4,861 |
| Tier 1 risk-based capital ratio | 13.3387% | 4,655 |
| Total risk-based capital ratio | 14.4080% | 4,692 |
| Memoranda: | ||
| Average total assets | $592,534,250 | 1,125 |
| Average earning assets | $535,635,500 | 1,140 |
| Average equity | $67,850,500 | 1,088 |
| Average total loans | $355,253,500 | 1,252 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8625% | 4,291 |
| Cost of funding earning assets | 0.1261% | 6,377 |
| Net interest margin | 3.7364% | 2,813 |
| Noninterest income to average assets | 0.5474% | 3,147 |
| Noninterest expense to average assets | 2.2793% | 5,203 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0665% | 2,047 |
| Return on assets (ROA) | 1.2315% | 1,560 |
| Pretax return on assets | 1.8909% | 699 |
| Return on Equity (ROE) | 10.5958% | 1,896 |
| Retained earnings to average equity (ytd only) | 5.2876% | 2,771 |
| Net charge-offs to loans | -0.0663% | 5,996 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1999% | 5,530 |
| Assets per employee ($millions) | 6.2566% | 1,135 |
| Cash dividends to net income (ytd only)* | 50.0974% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3326% | 3,679 |
| Loan loss allowance to noncurrent loans | 55.8478% | 4,953 |
| Noncurrent assets plus other real estate owned to assets | 1.4198% | 2,299 |
| Noncurrent loans to loans | 2.3862% | 1,332 |
| Net loans and leases to total assets | 58.7089% | 3,896 |
| Net loans and leases to deposits | 67.6547% | 4,087 |
| Net loans and leases to core deposits | 70.6691% | 4,198 |
| Total domestic deposits to total assets | 86.7773% | 2,592 |
| Equity capital to assets | 11.4154% | 2,501 |
| Core capital (leverage) ratio | 9.4414% | 4,409 |
| Tier 1 risk-based capital ratio | 13.1754% | 4,804 |
| Total risk-based capital ratio | 14.3556% | 4,778 |
| Memoranda: | ||
| Average total assets | $583,857,670 | 1,134 |
| Average earning assets | $526,446,000 | 1,159 |
| Average equity | $67,857,000 | 1,080 |
| Average total loans | $355,979,670 | 1,237 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8770% | 4,188 |
| Cost of funding earning assets | 0.1289% | 6,451 |
| Net interest margin | 3.7481% | 2,685 |
| Noninterest income to average assets | 0.4342% | 3,913 |
| Noninterest expense to average assets | 2.4217% | 4,868 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9031% | 2,633 |
| Return on assets (ROA) | 1.2361% | 1,441 |
| Pretax return on assets | 1.9018% | 646 |
| Return on Equity (ROE) | 10.5393% | 1,850 |
| Retained earnings to average equity (ytd only) | 5.1812% | 3,003 |
| Net charge-offs to loans | 0.0515% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 43.6957% | 832 |
| Efficiency ratio | 63.5407% | 4,930 |
| Assets per employee ($millions) | 6.3138% | 1,110 |
| Cash dividends to net income (ytd only)* | 50.8389% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2625% | 4,318 |
| Loan loss allowance to noncurrent loans | 53.7516% | 5,053 |
| Noncurrent assets plus other real estate owned to assets | 1.4570% | 2,432 |
| Noncurrent loans to loans | 2.3488% | 1,499 |
| Net loans and leases to total assets | 61.2477% | 3,355 |
| Net loans and leases to deposits | 70.8547% | 3,490 |
| Net loans and leases to core deposits | 73.9681% | 3,650 |
| Total domestic deposits to total assets | 86.4412% | 3,139 |
| Equity capital to assets | 11.7264% | 2,081 |
| Core capital (leverage) ratio | 9.8782% | 3,747 |
| Tier 1 risk-based capital ratio | 13.2580% | 4,857 |
| Total risk-based capital ratio | 14.3807% | 4,868 |
| Memoranda: | ||
| Average total assets | $578,600,000 | 1,154 |
| Average earning assets | $521,325,500 | 1,177 |
| Average equity | $67,860,500 | 1,079 |
| Average total loans | $357,138,000 | 1,239 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8619% | 4,602 |
| Cost of funding earning assets | 0.1330% | 6,598 |
| Net interest margin | 3.7290% | 2,944 |
| Noninterest income to average assets | 0.5522% | 3,387 |
| Noninterest expense to average assets | 2.3721% | 5,154 |
| Loan and lease loss provision to assets | -0.0892% | 6,464 |
| Net operating income to assets | 1.1227% | 1,858 |
| Return on assets (ROA) | 1.1674% | 1,748 |
| Pretax return on assets | 1.6979% | 962 |
| Return on Equity (ROE) | 9.6770% | 2,249 |
| Retained earnings to average equity (ytd only) | 4.3540% | 3,082 |
| Net charge-offs to loans | 0.0527% | 4,487 |
| Credit loss provision to net charge-offs | -274.7253% | 6,041 |
| Earnings coverage of net charge-offs (x) | 47.5275% | 827 |
| Efficiency ratio | 59.8241% | 5,496 |
| Assets per employee ($millions) | 6.0035% | 1,270 |
| Cash dividends to net income (ytd only)* | 55.0069% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2982% | 4,155 |
| Loan loss allowance to noncurrent loans | 53.1152% | 5,130 |
| Noncurrent assets plus other real estate owned to assets | 1.5217% | 2,440 |
| Noncurrent loans to loans | 2.4441% | 1,563 |
| Net loans and leases to total assets | 60.6185% | 3,607 |
| Net loans and leases to deposits | 70.8063% | 3,677 |
| Net loans and leases to core deposits | 74.2686% | 3,814 |
| Total domestic deposits to total assets | 85.6118% | 3,453 |
| Equity capital to assets | 11.7304% | 2,007 |
| Core capital (leverage) ratio | 9.8969% | 3,711 |
| Tier 1 risk-based capital ratio | 13.3747% | 4,733 |
| Total risk-based capital ratio | 14.5211% | 4,748 |
| Memoranda: | ||
| Average total assets | $560,296,400 | 1,177 |
| Average earning assets | $505,420,800 | 1,205 |
| Average equity | $67,593,400 | 1,056 |
| Average total loans | $345,140,600 | 1,238 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8073% | 4,829 |
| Cost of funding earning assets | 0.1317% | 6,695 |
| Net interest margin | 3.6756% | 3,130 |
| Noninterest income to average assets | 0.5100% | 3,733 |
| Noninterest expense to average assets | 2.2367% | 5,513 |
| Loan and lease loss provision to assets | 0.1136% | 2,873 |
| Net operating income to assets | 1.0268% | 2,271 |
| Return on assets (ROA) | 1.0865% | 2,137 |
| Pretax return on assets | 1.5706% | 1,413 |
| Return on Equity (ROE) | 8.9419% | 2,661 |
| Retained earnings to average equity (ytd only) | 3.6178% | 4,117 |
| Net charge-offs to loans | -0.0058% | 5,801 |
| Credit loss provision to net charge-offs | -3,160.0000% | 6,321 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3009% | 5,766 |
| Assets per employee ($millions) | 5.9157% | 1,299 |
| Cash dividends to net income (ytd only)* | 59.5412% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6193% | 2,917 |
| Loan loss allowance to noncurrent loans | 63.7197% | 4,656 |
| Noncurrent assets plus other real estate owned to assets | 1.9579% | 2,072 |
| Noncurrent loans to loans | 2.5412% | 1,696 |
| Net loans and leases to total assets | 61.6869% | 3,423 |
| Net loans and leases to deposits | 71.0156% | 3,640 |
| Net loans and leases to core deposits | 74.5875% | 3,776 |
| Total domestic deposits to total assets | 86.8640% | 2,761 |
| Equity capital to assets | 11.6092% | 2,208 |
| Core capital (leverage) ratio | 9.9651% | 3,723 |
| Tier 1 risk-based capital ratio | 13.6567% | 4,658 |
| Total risk-based capital ratio | 14.8992% | 4,615 |
| Memoranda: | ||
| Average total assets | $556,287,500 | 1,203 |
| Average earning assets | $503,127,250 | 1,222 |
| Average equity | $67,590,250 | 1,065 |
| Average total loans | $342,936,000 | 1,245 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7807% | 4,891 |
| Cost of funding earning assets | 0.1268% | 6,765 |
| Net interest margin | 3.6539% | 3,162 |
| Noninterest income to average assets | 0.6064% | 3,148 |
| Noninterest expense to average assets | 2.2382% | 5,530 |
| Loan and lease loss provision to assets | 0.1716% | 2,191 |
| Net operating income to assets | 1.0557% | 2,093 |
| Return on assets (ROA) | 1.0557% | 2,208 |
| Pretax return on assets | 1.5134% | 1,577 |
| Return on Equity (ROE) | 8.5583% | 2,816 |
| Retained earnings to average equity (ytd only) | 3.2813% | 4,216 |
| Net charge-offs to loans | 0.0130% | 4,599 |
| Credit loss provision to net charge-offs | 2,154.5455% | 152 |
| Earnings coverage of net charge-offs (x) | 211.5455% | 247 |
| Efficiency ratio | 55.5279% | 6,015 |
| Assets per employee ($millions) | 5.5345% | 1,549 |
| Cash dividends to net income (ytd only)* | 61.6598% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6711% | 2,894 |
| Loan loss allowance to noncurrent loans | 58.3817% | 4,863 |
| Noncurrent assets plus other real estate owned to assets | 2.2275% | 1,938 |
| Noncurrent loans to loans | 2.8624% | 1,576 |
| Net loans and leases to total assets | 60.9094% | 3,499 |
| Net loans and leases to deposits | 70.6738% | 3,629 |
| Net loans and leases to core deposits | 74.2570% | 3,772 |
| Total domestic deposits to total assets | 86.1838% | 3,273 |
| Equity capital to assets | 12.2258% | 1,760 |
| Core capital (leverage) ratio | 9.9372% | 3,605 |
| Tier 1 risk-based capital ratio | 13.8947% | 4,494 |
| Total risk-based capital ratio | 15.1375% | 4,472 |
| Memoranda: | ||
| Average total assets | $552,415,670 | 1,212 |
| Average earning assets | $501,438,670 | 1,227 |
| Average equity | $68,144,000 | 1,059 |
| Average total loans | $338,552,000 | 1,254 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7926% | 4,844 |
| Cost of funding earning assets | 0.1149% | 6,875 |
| Net interest margin | 3.6777% | 2,961 |
| Noninterest income to average assets | 0.5342% | 3,540 |
| Noninterest expense to average assets | 2.2953% | 5,440 |
| Loan and lease loss provision to assets | 0.1718% | 2,140 |
| Net operating income to assets | 1.0096% | 2,183 |
| Return on assets (ROA) | 1.0096% | 2,299 |
| Pretax return on assets | 1.4068% | 1,829 |
| Return on Equity (ROE) | 8.1480% | 2,895 |
| Retained earnings to average equity (ytd only) | 2.9012% | 4,545 |
| Net charge-offs to loans | 0.0618% | 3,198 |
| Credit loss provision to net charge-offs | 455.7692% | 578 |
| Earnings coverage of net charge-offs (x) | 41.8846% | 759 |
| Efficiency ratio | 57.1749% | 5,938 |
| Assets per employee ($millions) | 5.6637% | 1,524 |
| Cash dividends to net income (ytd only)* | 64.3934% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6298% | 3,273 |
| Loan loss allowance to noncurrent loans | 59.8510% | 4,725 |
| Noncurrent assets plus other real estate owned to assets | 2.1426% | 2,190 |
| Noncurrent loans to loans | 2.7231% | 1,877 |
| Net loans and leases to total assets | 60.0089% | 3,426 |
| Net loans and leases to deposits | 69.8031% | 3,509 |
| Net loans and leases to core deposits | 73.4418% | 3,645 |
| Total domestic deposits to total assets | 85.9688% | 3,538 |
| Equity capital to assets | 12.3760% | 1,790 |
| Core capital (leverage) ratio | 9.8727% | 3,566 |
| Tier 1 risk-based capital ratio | 14.0799% | 4,447 |
| Total risk-based capital ratio | 15.3222% | 4,413 |
| Memoranda: | ||
| Average total assets | $551,901,000 | 1,225 |
| Average earning assets | $501,183,000 | 1,235 |
| Average equity | $68,384,500 | 1,066 |
| Average total loans | $336,413,500 | 1,263 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1949% | 4,610 |
| Cost of funding earning assets | 0.1425% | 6,937 |
| Net interest margin | 4.0524% | 2,186 |
| Noninterest income to average assets | 0.6576% | 2,952 |
| Noninterest expense to average assets | 2.3859% | 5,446 |
| Loan and lease loss provision to assets | 0.2971% | 2,303 |
| Net operating income to assets | 1.1124% | 1,899 |
| Return on assets (ROA) | 1.1364% | 1,989 |
| Pretax return on assets | 1.6618% | 1,236 |
| Return on Equity (ROE) | 9.1453% | 2,563 |
| Retained earnings to average equity (ytd only) | 4.3367% | 3,179 |
| Net charge-offs to loans | 0.9500% | 1,164 |
| Credit loss provision to net charge-offs | 48.9721% | 4,724 |
| Earnings coverage of net charge-offs (x) | 3.1712% | 3,848 |
| Efficiency ratio | 53.4445% | 6,327 |
| Assets per employee ($millions) | 5.8361% | 1,404 |
| Cash dividends to net income (ytd only)* | 52.5799% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5627% | 3,463 |
| Loan loss allowance to noncurrent loans | 53.0352% | 4,980 |
| Noncurrent assets plus other real estate owned to assets | 2.2717% | 2,160 |
| Noncurrent loans to loans | 2.9465% | 1,773 |
| Net loans and leases to total assets | 59.9564% | 3,608 |
| Net loans and leases to deposits | 70.5612% | 3,626 |
| Net loans and leases to core deposits | 73.2332% | 3,887 |
| Total domestic deposits to total assets | 84.9707% | 3,877 |
| Equity capital to assets | 12.4053% | 1,779 |
| Core capital (leverage) ratio | 9.7266% | 3,763 |
| Tier 1 risk-based capital ratio | 14.0078% | 4,379 |
| Total risk-based capital ratio | 15.2600% | 4,341 |
| Memoranda: | ||
| Average total assets | $537,244,400 | 1,243 |
| Average earning assets | $484,158,600 | 1,259 |
| Average equity | $66,755,600 | 1,056 |
| Average total loans | $343,061,800 | 1,229 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3202% | 4,369 |
| Cost of funding earning assets | 0.1479% | 7,038 |
| Net interest margin | 4.1723% | 1,822 |
| Noninterest income to average assets | 0.5832% | 3,392 |
| Noninterest expense to average assets | 2.4407% | 5,269 |
| Loan and lease loss provision to assets | 0.3993% | 1,604 |
| Net operating income to assets | 1.0105% | 2,448 |
| Return on assets (ROA) | 1.0422% | 2,527 |
| Pretax return on assets | 1.5451% | 1,736 |
| Return on Equity (ROE) | 8.3842% | 3,091 |
| Retained earnings to average equity (ytd only) | 3.7413% | 4,260 |
| Net charge-offs to loans | 1.0526% | 1,001 |
| Credit loss provision to net charge-offs | 58.6981% | 4,184 |
| Earnings coverage of net charge-offs (x) | 2.7889% | 3,923 |
| Efficiency ratio | 54.3457% | 6,217 |
| Assets per employee ($millions) | 5.6282% | 1,515 |
| Cash dividends to net income (ytd only)* | 55.3768% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7102% | 3,116 |
| Loan loss allowance to noncurrent loans | 55.8736% | 4,858 |
| Noncurrent assets plus other real estate owned to assets | 2.3054% | 2,309 |
| Noncurrent loans to loans | 3.0609% | 1,818 |
| Net loans and leases to total assets | 61.8751% | 3,406 |
| Net loans and leases to deposits | 72.4452% | 3,544 |
| Net loans and leases to core deposits | 75.1846% | 3,825 |
| Total domestic deposits to total assets | 85.4095% | 3,563 |
| Equity capital to assets | 12.4848% | 1,903 |
| Core capital (leverage) ratio | 9.8431% | 3,764 |
| Tier 1 risk-based capital ratio | 14.0742% | 4,473 |
| Total risk-based capital ratio | 15.3177% | 4,437 |
| Memoranda: | ||
| Average total assets | $532,949,250 | 1,264 |
| Average earning assets | $479,599,250 | 1,285 |
| Average equity | $66,250,000 | 1,071 |
| Average total loans | $344,404,750 | 1,235 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3955% | 4,202 |
| Cost of funding earning assets | 0.1561% | 7,105 |
| Net interest margin | 4.2394% | 1,638 |
| Noninterest income to average assets | 0.6647% | 2,868 |
| Noninterest expense to average assets | 2.5090% | 5,109 |
| Loan and lease loss provision to assets | 0.1877% | 3,225 |
| Net operating income to assets | 1.2008% | 1,717 |
| Return on assets (ROA) | 1.2008% | 1,913 |
| Pretax return on assets | 1.7768% | 1,082 |
| Return on Equity (ROE) | 9.6738% | 2,498 |
| Retained earnings to average equity (ytd only) | 4.9964% | 3,282 |
| Net charge-offs to loans | 0.9236% | 1,197 |
| Credit loss provision to net charge-offs | 31.1835% | 4,423 |
| Earnings coverage of net charge-offs (x) | 3.2630% | 3,436 |
| Efficiency ratio | 54.2137% | 6,298 |
| Assets per employee ($millions) | 5.6468% | 1,482 |
| Cash dividends to net income (ytd only)* | 48.3516% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6349% | 3,482 |
| Loan loss allowance to noncurrent loans | 48.4610% | 5,201 |
| Noncurrent assets plus other real estate owned to assets | 3.0389% | 1,812 |
| Noncurrent loans to loans | 3.3737% | 1,718 |
| Net loans and leases to total assets | 65.5092% | 2,768 |
| Net loans and leases to deposits | 76.6726% | 2,891 |
| Net loans and leases to core deposits | 79.6348% | 3,264 |
| Total domestic deposits to total assets | 85.4401% | 3,646 |
| Equity capital to assets | 12.4018% | 1,876 |
| Core capital (leverage) ratio | 9.8274% | 3,676 |
| Tier 1 risk-based capital ratio | 13.5901% | 4,751 |
| Total risk-based capital ratio | 14.8333% | 4,727 |
| Memoranda: | ||
| Average total assets | $530,498,000 | 1,277 |
| Average earning assets | $476,621,330 | 1,302 |
| Average equity | $65,848,000 | 1,069 |
| Average total loans | $345,829,670 | 1,213 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4177% | 4,250 |
| Cost of funding earning assets | 0.1670% | 7,154 |
| Net interest margin | 4.2507% | 1,607 |
| Noninterest income to average assets | 0.6627% | 2,855 |
| Noninterest expense to average assets | 2.5751% | 4,901 |
| Loan and lease loss provision to assets | 0.1888% | 3,070 |
| Net operating income to assets | 1.1488% | 1,884 |
| Return on assets (ROA) | 1.1488% | 2,065 |
| Pretax return on assets | 1.7213% | 1,251 |
| Return on Equity (ROE) | 9.2508% | 2,710 |
| Retained earnings to average equity (ytd only) | 4.5125% | 3,877 |
| Net charge-offs to loans | 1.2020% | 854 |
| Credit loss provision to net charge-offs | 24.3640% | 3,714 |
| Earnings coverage of net charge-offs (x) | 2.4648% | 3,189 |
| Efficiency ratio | 55.5368% | 6,172 |
| Assets per employee ($millions) | 5.5501% | 1,657 |
| Cash dividends to net income (ytd only)* | 51.2211% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8552% | 2,827 |
| Loan loss allowance to noncurrent loans | 58.0369% | 4,630 |
| Noncurrent assets plus other real estate owned to assets | 2.8586% | 2,042 |
| Noncurrent loans to loans | 3.1966% | 2,010 |
| Net loans and leases to total assets | 61.2313% | 3,405 |
| Net loans and leases to deposits | 71.5282% | 3,500 |
| Net loans and leases to core deposits | 76.9270% | 3,481 |
| Total domestic deposits to total assets | 85.6044% | 3,737 |
| Equity capital to assets | 12.3239% | 1,832 |
| Core capital (leverage) ratio | 9.9723% | 3,391 |
| Tier 1 risk-based capital ratio | 14.0605% | 4,429 |
| Total risk-based capital ratio | 15.3055% | 4,393 |
| Memoranda: | ||
| Average total assets | $527,523,500 | 1,284 |
| Average earning assets | $474,369,500 | 1,314 |
| Average equity | $65,507,500 | 1,074 |
| Average total loans | $340,113,000 | 1,245 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8285% | 3,676 |
| Cost of funding earning assets | 0.3748% | 6,953 |
| Net interest margin | 4.4536% | 1,251 |
| Noninterest income to average assets | 0.3686% | 4,871 |
| Noninterest expense to average assets | 2.7191% | 4,673 |
| Loan and lease loss provision to assets | 0.0902% | 5,458 |
| Net operating income to assets | 1.1674% | 1,618 |
| Return on assets (ROA) | 1.1846% | 1,664 |
| Pretax return on assets | 1.5573% | 1,318 |
| Return on Equity (ROE) | 9.2633% | 2,337 |
| Retained earnings to average equity (ytd only) | 5.3907% | 2,380 |
| Net charge-offs to loans | 0.7978% | 2,162 |
| Credit loss provision to net charge-offs | 16.1696% | 5,957 |
| Earnings coverage of net charge-offs (x) | 2.9141% | 3,748 |
| Efficiency ratio | 60.5479% | 5,666 |
| Assets per employee ($millions) | 5.4972% | 1,638 |
| Cash dividends to net income (ytd only)* | 41.8062% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9953% | 2,299 |
| Loan loss allowance to noncurrent loans | 70.3711% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 2.7702% | 2,192 |
| Noncurrent loans to loans | 2.8354% | 2,312 |
| Net loans and leases to total assets | 65.2716% | 2,927 |
| Net loans and leases to deposits | 76.4344% | 3,107 |
| Net loans and leases to core deposits | 82.5576% | 3,096 |
| Total domestic deposits to total assets | 85.3955% | 3,646 |
| Equity capital to assets | 12.5138% | 1,789 |
| Core capital (leverage) ratio | 9.9648% | 3,385 |
| Tier 1 risk-based capital ratio | 13.7782% | 4,495 |
| Total risk-based capital ratio | 15.0254% | 4,464 |
| Memoranda: | ||
| Average total assets | $499,142,000 | 1,344 |
| Average earning assets | $445,522,400 | 1,357 |
| Average equity | $63,832,600 | 1,055 |
| Average total loans | $348,850,600 | 1,214 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8838% | 3,628 |
| Cost of funding earning assets | 0.4274% | 6,950 |
| Net interest margin | 4.4563% | 1,255 |
| Noninterest income to average assets | 0.5075% | 3,812 |
| Noninterest expense to average assets | 2.8165% | 4,277 |
| Loan and lease loss provision to assets | 0.1216% | 4,914 |
| Net operating income to assets | 1.0219% | 2,245 |
| Return on assets (ROA) | 1.0421% | 2,320 |
| Pretax return on assets | 1.5726% | 1,453 |
| Return on Equity (ROE) | 8.1024% | 3,001 |
| Retained earnings to average equity (ytd only) | 4.2739% | 3,686 |
| Net charge-offs to loans | 1.0537% | 1,513 |
| Credit loss provision to net charge-offs | 16.3103% | 5,603 |
| Earnings coverage of net charge-offs (x) | 2.2312% | 4,013 |
| Efficiency ratio | 60.8578% | 5,583 |
| Assets per employee ($millions) | 5.3821% | 1,721 |
| Cash dividends to net income (ytd only)* | 47.2510% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9726% | 2,410 |
| Loan loss allowance to noncurrent loans | 69.1834% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 3.0292% | 2,118 |
| Noncurrent loans to loans | 2.8512% | 2,444 |
| Net loans and leases to total assets | 67.6866% | 2,540 |
| Net loans and leases to deposits | 79.3881% | 2,746 |
| Net loans and leases to core deposits | 85.3338% | 2,868 |
| Total domestic deposits to total assets | 85.2604% | 3,641 |
| Equity capital to assets | 12.5575% | 1,880 |
| Core capital (leverage) ratio | 10.0155% | 3,421 |
| Tier 1 risk-based capital ratio | 13.1510% | 4,988 |
| Total risk-based capital ratio | 14.3977% | 4,966 |
| Memoranda: | ||
| Average total assets | $493,368,000 | 1,358 |
| Average earning assets | $439,813,750 | 1,388 |
| Average equity | $63,452,750 | 1,069 |
| Average total loans | $349,110,000 | 1,229 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9030% | 3,606 |
| Cost of funding earning assets | 0.4834% | 6,899 |
| Net interest margin | 4.4196% | 1,313 |
| Noninterest income to average assets | 0.7583% | 2,215 |
| Noninterest expense to average assets | 2.8753% | 4,126 |
| Loan and lease loss provision to assets | 0.1847% | 4,072 |
| Net operating income to assets | 1.0977% | 1,876 |
| Return on assets (ROA) | 1.0977% | 1,965 |
| Pretax return on assets | 1.6299% | 1,201 |
| Return on Equity (ROE) | 8.4650% | 2,731 |
| Retained earnings to average equity (ytd only) | 4.7435% | 3,164 |
| Net charge-offs to loans | 0.2415% | 3,669 |
| Credit loss provision to net charge-offs | 107.1429% | 2,876 |
| Earnings coverage of net charge-offs (x) | 10.5286% | 1,798 |
| Efficiency ratio | 59.3665% | 5,970 |
| Assets per employee ($millions) | 5.2900% | 1,769 |
| Cash dividends to net income (ytd only)* | 43.9626% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6953% | 1,185 |
| Loan loss allowance to noncurrent loans | 80.4340% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 3.6715% | 1,778 |
| Noncurrent loans to loans | 3.3510% | 2,129 |
| Net loans and leases to total assets | 67.5404% | 2,704 |
| Net loans and leases to deposits | 79.2050% | 2,940 |
| Net loans and leases to core deposits | 86.3144% | 2,862 |
| Total domestic deposits to total assets | 85.2728% | 3,738 |
| Equity capital to assets | 12.8320% | 1,606 |
| Core capital (leverage) ratio | 10.3776% | 2,853 |
| Tier 1 risk-based capital ratio | 13.2480% | 4,731 |
| Total risk-based capital ratio | 14.5024% | 4,705 |
| Memoranda: | ||
| Average total assets | $487,392,000 | 1,380 |
| Average earning assets | $433,569,000 | 1,417 |
| Average equity | $63,201,670 | 1,070 |
| Average total loans | $347,799,000 | 1,247 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9835% | 3,171 |
| Cost of funding earning assets | 0.5181% | 6,905 |
| Net interest margin | 4.4654% | 1,142 |
| Noninterest income to average assets | 0.6168% | 3,057 |
| Noninterest expense to average assets | 2.8686% | 4,197 |
| Loan and lease loss provision to assets | 0.3731% | 2,320 |
| Net operating income to assets | 0.9510% | 2,351 |
| Return on assets (ROA) | 0.9510% | 2,418 |
| Pretax return on assets | 1.3406% | 1,911 |
| Return on Equity (ROE) | 7.2943% | 3,247 |
| Retained earnings to average equity (ytd only) | 3.9619% | 3,795 |
| Net charge-offs to loans | 0.3976% | 2,500 |
| Credit loss provision to net charge-offs | 129.6830% | 2,134 |
| Earnings coverage of net charge-offs (x) | 5.9568% | 2,177 |
| Efficiency ratio | 60.5935% | 5,893 |
| Assets per employee ($millions) | 5.1879% | 1,906 |
| Cash dividends to net income (ytd only)* | 45.6844% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7477% | 1,157 |
| Loan loss allowance to noncurrent loans | 79.1357% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 4.0998% | 1,625 |
| Noncurrent loans to loans | 3.4722% | 2,147 |
| Net loans and leases to total assets | 67.3327% | 2,690 |
| Net loans and leases to deposits | 78.7794% | 2,930 |
| Net loans and leases to core deposits | 86.1412% | 2,852 |
| Total domestic deposits to total assets | 85.4699% | 3,802 |
| Equity capital to assets | 12.7766% | 1,483 |
| Core capital (leverage) ratio | 10.3786% | 2,725 |
| Tier 1 risk-based capital ratio | 13.2277% | 4,639 |
| Total risk-based capital ratio | 14.4825% | 4,615 |
| Memoranda: | ||
| Average total assets | $482,459,000 | 1,401 |
| Average earning assets | $428,453,500 | 1,437 |
| Average equity | $62,898,500 | 1,067 |
| Average total loans | $349,122,000 | 1,256 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3621% | 2,847 |
| Cost of funding earning assets | 0.6442% | 7,019 |
| Net interest margin | 4.7179% | 785 |
| Noninterest income to average assets | 0.5112% | 4,086 |
| Noninterest expense to average assets | 3.0422% | 3,685 |
| Loan and lease loss provision to assets | 0.7098% | 2,312 |
| Net operating income to assets | 0.9422% | 2,231 |
| Return on assets (ROA) | 0.7065% | 3,332 |
| Pretax return on assets | 0.7150% | 3,922 |
| Return on Equity (ROE) | 5.5089% | 3,832 |
| Retained earnings to average equity (ytd only) | 3.7967% | 3,205 |
| Net charge-offs to loans | 0.3015% | 4,506 |
| Credit loss provision to net charge-offs | 310.3448% | 854 |
| Earnings coverage of net charge-offs (x) | 7.2704% | 2,165 |
| Efficiency ratio | 62.6996% | 5,582 |
| Assets per employee ($millions) | 5.1875% | 1,876 |
| Cash dividends to net income (ytd only)* | 31.0811% | 2,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5974% | 1,293 |
| Loan loss allowance to noncurrent loans | 79.2564% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 4.2176% | 1,587 |
| Noncurrent loans to loans | 3.2772% | 2,318 |
| Net loans and leases to total assets | 73.6644% | 1,732 |
| Net loans and leases to deposits | 87.0324% | 1,933 |
| Net loans and leases to core deposits | 94.5910% | 2,184 |
| Total domestic deposits to total assets | 84.6402% | 4,034 |
| Equity capital to assets | 13.3090% | 1,252 |
| Core capital (leverage) ratio | 10.2398% | 2,824 |
| Tier 1 risk-based capital ratio | 12.6056% | 4,930 |
| Total risk-based capital ratio | 13.8589% | 4,910 |
| Memoranda: | ||
| Average total assets | $481,815,000 | 1,394 |
| Average earning assets | $428,305,400 | 1,413 |
| Average equity | $61,791,200 | 1,081 |
| Average total loans | $365,449,200 | 1,233 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3874% | 2,936 |
| Cost of funding earning assets | 0.6546% | 7,169 |
| Net interest margin | 4.7329% | 778 |
| Noninterest income to average assets | 0.5928% | 3,487 |
| Noninterest expense to average assets | 3.0317% | 3,637 |
| Loan and lease loss provision to assets | 0.8538% | 1,774 |
| Net operating income to assets | 0.6666% | 3,562 |
| Return on assets (ROA) | 0.6534% | 3,801 |
| Pretax return on assets | 0.8998% | 3,557 |
| Return on Equity (ROE) | 5.1419% | 4,221 |
| Retained earnings to average equity (ytd only) | 5.1419% | 2,882 |
| Net charge-offs to loans | 0.2855% | 4,231 |
| Credit loss provision to net charge-offs | 394.0280% | 771 |
| Earnings coverage of net charge-offs (x) | 8.1766% | 2,199 |
| Efficiency ratio | 61.2060% | 5,754 |
| Assets per employee ($millions) | 4.8539% | 2,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5551% | 1,263 |
| Loan loss allowance to noncurrent loans | 83.6672% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 4.2950% | 1,586 |
| Noncurrent loans to loans | 3.0539% | 2,616 |
| Net loans and leases to total assets | 73.5853% | 1,892 |
| Net loans and leases to deposits | 86.7630% | 2,189 |
| Net loans and leases to core deposits | 94.6873% | 2,424 |
| Total domestic deposits to total assets | 84.8118% | 3,716 |
| Equity capital to assets | 13.2522% | 1,473 |
| Core capital (leverage) ratio | 10.2272% | 3,007 |
| Tier 1 risk-based capital ratio | 11.9896% | 5,475 |
| Total risk-based capital ratio | 13.2529% | 5,429 |
| Memoranda: | ||
| Average total assets | $484,252,750 | 1,404 |
| Average earning assets | $430,818,750 | 1,428 |
| Average equity | $61,532,250 | 1,093 |
| Average total loans | $367,557,500 | 1,242 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3951% | 2,992 |
| Cost of funding earning assets | 0.6595% | 7,279 |
| Net interest margin | 4.7357% | 756 |
| Noninterest income to average assets | 0.7436% | 2,438 |
| Noninterest expense to average assets | 2.9739% | 3,813 |
| Loan and lease loss provision to assets | 1.0921% | 1,316 |
| Net operating income to assets | 0.6237% | 3,762 |
| Return on assets (ROA) | 0.6237% | 3,899 |
| Pretax return on assets | 0.8960% | 3,509 |
| Return on Equity (ROE) | 4.9790% | 4,295 |
| Retained earnings to average equity (ytd only) | 4.9790% | 2,916 |
| Net charge-offs to loans | 0.3365% | 3,649 |
| Credit loss provision to net charge-offs | 426.8921% | 854 |
| Earnings coverage of net charge-offs (x) | 7.7713% | 2,239 |
| Efficiency ratio | 58.0905% | 6,365 |
| Assets per employee ($millions) | 4.7511% | 2,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4457% | 1,371 |
| Loan loss allowance to noncurrent loans | 79.6613% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 4.3779% | 1,524 |
| Noncurrent loans to loans | 3.0702% | 2,622 |
| Net loans and leases to total assets | 73.2353% | 2,099 |
| Net loans and leases to deposits | 86.5206% | 2,430 |
| Net loans and leases to core deposits | 95.2402% | 2,551 |
| Total domestic deposits to total assets | 84.6449% | 3,797 |
| Equity capital to assets | 12.6782% | 1,695 |
| Core capital (leverage) ratio | 9.8716% | 3,312 |
| Tier 1 risk-based capital ratio | 11.5840% | 5,684 |
| Total risk-based capital ratio | 12.8686% | 5,618 |
| Memoranda: | ||
| Average total assets | $485,490,670 | 1,410 |
| Average earning assets | $432,463,670 | 1,438 |
| Average equity | $60,815,670 | 1,094 |
| Average total loans | $369,117,330 | 1,245 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5097% | 2,537 |
| Cost of funding earning assets | 0.6717% | 7,395 |
| Net interest margin | 4.8380% | 587 |
| Noninterest income to average assets | 0.7263% | 2,426 |
| Noninterest expense to average assets | 3.0607% | 3,431 |
| Loan and lease loss provision to assets | 1.1176% | 1,097 |
| Net operating income to assets | 0.6113% | 3,848 |
| Return on assets (ROA) | 0.6113% | 3,995 |
| Pretax return on assets | 0.8735% | 3,567 |
| Return on Equity (ROE) | 4.9101% | 4,413 |
| Retained earnings to average equity (ytd only) | 4.9101% | 3,202 |
| Net charge-offs to loans | 0.8703% | 1,812 |
| Credit loss provision to net charge-offs | 167.8261% | 2,165 |
| Earnings coverage of net charge-offs (x) | 2.9901% | 3,056 |
| Efficiency ratio | 58.7686% | 6,368 |
| Assets per employee ($millions) | 4.8777% | 2,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0457% | 2,071 |
| Loan loss allowance to noncurrent loans | 97.0752% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 2.3136% | 3,131 |
| Noncurrent loans to loans | 2.1074% | 3,646 |
| Net loans and leases to total assets | 72.9053% | 2,231 |
| Net loans and leases to deposits | 84.6717% | 2,823 |
| Net loans and leases to core deposits | 96.3987% | 2,541 |
| Total domestic deposits to total assets | 86.1035% | 3,094 |
| Equity capital to assets | 12.3288% | 1,854 |
| Core capital (leverage) ratio | 9.7636% | 3,438 |
| Tier 1 risk-based capital ratio | 11.1417% | 6,011 |
| Total risk-based capital ratio | 12.4201% | 5,950 |
| Memoranda: | ||
| Average total assets | $483,552,000 | 1,450 |
| Average earning assets | $432,329,000 | 1,476 |
| Average equity | $60,202,000 | 1,108 |
| Average total loans | $369,988,500 | 1,282 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3859% | 4,760 |
| Cost of funding earning assets | 0.8245% | 7,520 |
| Net interest margin | 4.5614% | 1,055 |
| Noninterest income to average assets | 0.4083% | 5,135 |
| Noninterest expense to average assets | 2.8521% | 4,740 |
| Loan and lease loss provision to assets | 1.1200% | 2,041 |
| Net operating income to assets | 0.3786% | 4,213 |
| Return on assets (ROA) | 0.3740% | 4,333 |
| Pretax return on assets | 0.5245% | 4,121 |
| Return on Equity (ROE) | 3.1055% | 4,458 |
| Retained earnings to average equity (ytd only) | 3.1055% | 2,990 |
| Net charge-offs to loans | 1.0152% | 2,382 |
| Credit loss provision to net charge-offs | 143.3129% | 3,346 |
| Earnings coverage of net charge-offs (x) | 2.1125% | 4,147 |
| Efficiency ratio | 61.2893% | 6,277 |
| Assets per employee ($millions) | 4.7445% | 2,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8631% | 2,367 |
| Loan loss allowance to noncurrent loans | 99.7419% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 2.1671% | 3,174 |
| Noncurrent loans to loans | 1.8679% | 3,841 |
| Net loans and leases to total assets | 77.2157% | 1,544 |
| Net loans and leases to deposits | 90.8776% | 2,068 |
| Net loans and leases to core deposits | 105.1089% | 3,442 |
| Total domestic deposits to total assets | 84.9667% | 3,562 |
| Equity capital to assets | 12.5757% | 1,711 |
| Core capital (leverage) ratio | 9.5678% | 3,641 |
| Tier 1 risk-based capital ratio | 10.6956% | 6,210 |
| Total risk-based capital ratio | 11.9703% | 6,163 |
| Memoranda: | ||
| Average total assets | $481,256,200 | 1,436 |
| Average earning assets | $432,017,200 | 1,469 |
| Average equity | $57,961,400 | 1,140 |
| Average total loans | $370,465,400 | 1,297 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4017% | 4,939 |
| Cost of funding earning assets | 0.8422% | 7,637 |
| Net interest margin | 4.5595% | 1,060 |
| Noninterest income to average assets | 0.5102% | 4,402 |
| Noninterest expense to average assets | 2.8568% | 4,631 |
| Loan and lease loss provision to assets | 1.1843% | 1,639 |
| Net operating income to assets | 0.3970% | 4,410 |
| Return on assets (ROA) | 0.3970% | 4,509 |
| Pretax return on assets | 0.5690% | 4,304 |
| Return on Equity (ROE) | 3.3324% | 4,649 |
| Retained earnings to average equity (ytd only) | 3.3324% | 3,440 |
| Net charge-offs to loans | 0.9577% | 2,061 |
| Credit loss provision to net charge-offs | 161.5211% | 2,929 |
| Earnings coverage of net charge-offs (x) | 2.3912% | 4,038 |
| Efficiency ratio | 59.9737% | 6,421 |
| Assets per employee ($millions) | 4.9681% | 2,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8753% | 2,088 |
| Loan loss allowance to noncurrent loans | 74.4226% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 2.3521% | 2,929 |
| Noncurrent loans to loans | 2.5198% | 2,988 |
| Net loans and leases to total assets | 74.7999% | 2,289 |
| Net loans and leases to deposits | 86.6584% | 3,195 |
| Net loans and leases to core deposits | 101.6499% | 4,194 |
| Total domestic deposits to total assets | 86.3158% | 2,531 |
| Equity capital to assets | 12.2119% | 2,115 |
| Core capital (leverage) ratio | 9.5140% | 3,887 |
| Tier 1 risk-based capital ratio | 10.8822% | 6,072 |
| Total risk-based capital ratio | 12.1445% | 6,019 |
| Memoranda: | ||
| Average total assets | $482,956,750 | 1,450 |
| Average earning assets | $434,273,250 | 1,468 |
| Average equity | $57,535,250 | 1,169 |
| Average total loans | $369,754,750 | 1,316 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5181% | 4,521 |
| Cost of funding earning assets | 0.8642% | 7,736 |
| Net interest margin | 4.6539% | 867 |
| Noninterest income to average assets | 0.5020% | 4,427 |
| Noninterest expense to average assets | 2.8552% | 4,706 |
| Loan and lease loss provision to assets | 1.1419% | 1,505 |
| Net operating income to assets | 0.4597% | 4,255 |
| Return on assets (ROA) | 0.4597% | 4,370 |
| Pretax return on assets | 0.6818% | 4,059 |
| Return on Equity (ROE) | 3.8914% | 4,540 |
| Retained earnings to average equity (ytd only) | 3.8914% | 3,117 |
| Net charge-offs to loans | 0.5421% | 2,701 |
| Credit loss provision to net charge-offs | 274.7253% | 1,706 |
| Earnings coverage of net charge-offs (x) | 4.3876% | 3,109 |
| Efficiency ratio | 59.0522% | 6,686 |
| Assets per employee ($millions) | 4.7712% | 2,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9442% | 1,685 |
| Loan loss allowance to noncurrent loans | 69.1053% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 2.4924% | 2,584 |
| Noncurrent loans to loans | 2.8134% | 2,557 |
| Net loans and leases to total assets | 74.0452% | 2,684 |
| Net loans and leases to deposits | 85.8207% | 3,578 |
| Net loans and leases to core deposits | 99.4842% | 4,557 |
| Total domestic deposits to total assets | 86.2790% | 2,638 |
| Equity capital to assets | 12.0333% | 2,187 |
| Core capital (leverage) ratio | 9.5042% | 3,877 |
| Tier 1 risk-based capital ratio | 10.5297% | 6,351 |
| Total risk-based capital ratio | 11.7915% | 6,293 |
| Memoranda: | ||
| Average total assets | $481,650,330 | 1,470 |
| Average earning assets | $432,283,000 | 1,493 |
| Average equity | $56,894,670 | 1,184 |
| Average total loans | $369,292,000 | 1,348 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5618% | 4,567 |
| Cost of funding earning assets | 0.8958% | 7,819 |
| Net interest margin | 4.6660% | 833 |
| Noninterest income to average assets | 0.4644% | 4,640 |
| Noninterest expense to average assets | 2.7446% | 4,809 |
| Loan and lease loss provision to assets | 1.1547% | 1,131 |
| Net operating income to assets | 0.5034% | 4,407 |
| Return on assets (ROA) | 0.5034% | 4,592 |
| Pretax return on assets | 0.7534% | 4,245 |
| Return on Equity (ROE) | 4.3018% | 4,792 |
| Retained earnings to average equity (ytd only) | 4.3018% | 3,515 |
| Net charge-offs to loans | 0.6559% | 1,874 |
| Credit loss provision to net charge-offs | 227.8689% | 2,007 |
| Earnings coverage of net charge-offs (x) | 3.7656% | 3,073 |
| Efficiency ratio | 57.0077% | 6,826 |
| Assets per employee ($millions) | 4.6561% | 2,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6554% | 2,293 |
| Loan loss allowance to noncurrent loans | 70.4268% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 2.1989% | 2,599 |
| Noncurrent loans to loans | 2.3505% | 2,802 |
| Net loans and leases to total assets | 76.3818% | 2,191 |
| Net loans and leases to deposits | 88.6175% | 3,171 |
| Net loans and leases to core deposits | 107.1737% | 3,775 |
| Total domestic deposits to total assets | 86.1927% | 2,618 |
| Equity capital to assets | 11.9083% | 2,317 |
| Core capital (leverage) ratio | 9.2372% | 4,352 |
| Tier 1 risk-based capital ratio | 10.2442% | 6,653 |
| Total risk-based capital ratio | 11.4971% | 6,575 |
| Memoranda: | ||
| Average total assets | $481,527,500 | 1,478 |
| Average earning assets | $432,231,500 | 1,502 |
| Average equity | $56,348,000 | 1,201 |
| Average total loans | $371,990,000 | 1,353 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2482% | 4,253 |
| Cost of funding earning assets | 1.5979% | 7,457 |
| Net interest margin | 4.6503% | 1,053 |
| Noninterest income to average assets | 0.6039% | 3,818 |
| Noninterest expense to average assets | 3.4939% | 2,414 |
| Loan and lease loss provision to assets | 1.1098% | 1,306 |
| Net operating income to assets | 0.2137% | 5,808 |
| Return on assets (ROA) | 0.2087% | 5,642 |
| Pretax return on assets | 0.1984% | 5,734 |
| Return on Equity (ROE) | 1.7488% | 5,692 |
| Retained earnings to average equity (ytd only) | -2.3577% | 5,969 |
| Net charge-offs to loans | 1.4232% | 824 |
| Credit loss provision to net charge-offs | 106.7739% | 5,026 |
| Earnings coverage of net charge-offs (x) | 1.2634% | 5,497 |
| Efficiency ratio | 70.7757% | 4,182 |
| Assets per employee ($millions) | 4.3198% | 2,919 |
| Cash dividends to net income (ytd only)* | 234.8170% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4198% | 3,089 |
| Loan loss allowance to noncurrent loans | 40.9724% | 5,987 |
| Noncurrent assets plus other real estate owned to assets | 2.6978% | 1,761 |
| Noncurrent loans to loans | 3.4653% | 1,467 |
| Net loans and leases to total assets | 75.7568% | 2,689 |
| Net loans and leases to deposits | 93.4033% | 2,873 |
| Net loans and leases to core deposits | 106.1312% | 4,185 |
| Total domestic deposits to total assets | 81.1072% | 4,592 |
| Equity capital to assets | 11.5012% | 2,636 |
| Core capital (leverage) ratio | 8.9231% | 4,856 |
| Tier 1 risk-based capital ratio | 9.8090% | 6,947 |
| Total risk-based capital ratio | 11.0597% | 6,841 |
| Memoranda: | ||
| Average total assets | $484,331,200 | 1,414 |
| Average earning assets | $437,756,600 | 1,431 |
| Average equity | $57,811,800 | 1,158 |
| Average total loans | $353,697,800 | 1,375 |