Home > Prospect Bank > Performance and Condition Ratios
Prospect Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8000% | 3,456 |
| Cost of funding earning assets | 2.4909% | 879 |
| Net interest margin | 2.3091% | 4,156 |
| Noninterest income to average assets | 0.5300% | 1,608 |
| Noninterest expense to average assets | 2.7402% | 1,654 |
| Loan and lease loss provision to assets | -0.4400% | 4,413 |
| Net operating income to assets | 0.3990% | 3,734 |
| Return on assets (ROA) | 0.3990% | 3,760 |
| Pretax return on assets | 0.3990% | 3,839 |
| Return on Equity (ROE) | 8.3800% | 2,771 |
| Retained earnings to average equity (ytd only) | 8.3756% | 1,585 |
| Net charge-offs to loans | -0.0024% | 3,578 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 101.6003% | 242 |
| Assets per employee ($millions) | 7.9210% | 1,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7773% | 3,911 |
| Loan loss allowance to noncurrent loans | 297.6544% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.5046% | 1,465 |
| Noncurrent loans to loans | 0.2612% | 2,555 |
| Net loans and leases to total assets | 67.4200% | 2,141 |
| Net loans and leases to deposits | 79.5553% | 2,096 |
| Net loans and leases to core deposits | 108.4437% | 916 |
| Total domestic deposits to total assets | 84.7400% | 2,699 |
| Equity capital to assets | 5.0273% | 4,366 |
| Core capital (leverage) ratio | 8.0342% | 4,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2923% | 2,420 |
| Memoranda: | ||
| Average total assets | $722,860,000 | 1,329 |
| Average earning assets | $677,832,000 | 1,326 |
| Average equity | $34,433,500 | 2,255 |
| Average total loans | $496,232,000 | 1,320 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8124% | 3,411 |
| Cost of funding earning assets | 2.7681% | 747 |
| Net interest margin | 2.0443% | 4,235 |
| Noninterest income to average assets | 0.4900% | 1,987 |
| Noninterest expense to average assets | 2.4935% | 2,333 |
| Loan and lease loss provision to assets | 0.1300% | 1,072 |
| Net operating income to assets | -0.1867% | 4,275 |
| Return on assets (ROA) | -0.1867% | 4,299 |
| Pretax return on assets | -0.2070% | 4,283 |
| Return on Equity (ROE) | -4.3000% | 4,341 |
| Retained earnings to average equity (ytd only) | -4.3045% | 4,261 |
| Net charge-offs to loans | 0.3367% | 434 |
| Credit loss provision to net charge-offs | 57.8733% | 2,292 |
| Earnings coverage of net charge-offs (x) | -0.3370% | 4,407 |
| Efficiency ratio | 103.2448% | 233 |
| Assets per employee ($millions) | 8.3323% | 1,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9196% | 3,571 |
| Loan loss allowance to noncurrent loans | 381.7506% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.4930% | 1,453 |
| Noncurrent loans to loans | 0.2409% | 2,546 |
| Net loans and leases to total assets | 68.7100% | 2,052 |
| Net loans and leases to deposits | 82.7705% | 1,888 |
| Net loans and leases to core deposits | 112.2216% | 849 |
| Total domestic deposits to total assets | 83.0100% | 3,034 |
| Equity capital to assets | 4.5013% | 4,394 |
| Core capital (leverage) ratio | 7.7656% | 4,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0198% | 2,522 |
| Memoranda: | ||
| Average total assets | $740,131,800 | 1,299 |
| Average earning assets | $696,578,400 | 1,282 |
| Average equity | $32,106,000 | 2,298 |
| Average total loans | $511,100,800 | 1,271 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7529% | 3,458 |
| Cost of funding earning assets | 2.7687% | 755 |
| Net interest margin | 1.9842% | 4,280 |
| Noninterest income to average assets | 0.5000% | 1,897 |
| Noninterest expense to average assets | 2.4725% | 2,336 |
| Loan and lease loss provision to assets | 0.3000% | 349 |
| Net operating income to assets | -0.3746% | 4,361 |
| Return on assets (ROA) | -0.3746% | 4,382 |
| Pretax return on assets | -0.4013% | 4,379 |
| Return on Equity (ROE) | -8.7100% | 4,440 |
| Retained earnings to average equity (ytd only) | -8.7149% | 4,418 |
| Net charge-offs to loans | 0.4479% | 299 |
| Credit loss provision to net charge-offs | 101.6241% | 1,647 |
| Earnings coverage of net charge-offs (x) | -0.3440% | 4,455 |
| Efficiency ratio | 104.4914% | 225 |
| Assets per employee ($millions) | 9.2170% | 997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0380% | 3,059 |
| Loan loss allowance to noncurrent loans | 403.3008% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.4890% | 1,429 |
| Noncurrent loans to loans | 0.2574% | 2,518 |
| Net loans and leases to total assets | 67.8100% | 2,104 |
| Net loans and leases to deposits | 84.3197% | 1,793 |
| Net loans and leases to core deposits | 113.8644% | 794 |
| Total domestic deposits to total assets | 80.4200% | 3,397 |
| Equity capital to assets | 4.8614% | 4,458 |
| Core capital (leverage) ratio | 7.5631% | 4,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5732% | 2,667 |
| Memoranda: | ||
| Average total assets | $743,937,500 | 1,286 |
| Average earning assets | $700,860,750 | 1,269 |
| Average equity | $31,975,000 | 2,297 |
| Average total loans | $513,198,000 | 1,263 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7262% | 3,416 |
| Cost of funding earning assets | 2.6992% | 770 |
| Net interest margin | 2.0270% | 4,279 |
| Noninterest income to average assets | 0.5100% | 1,806 |
| Noninterest expense to average assets | 2.4647% | 2,337 |
| Loan and lease loss provision to assets | -0.0700% | 4,360 |
| Net operating income to assets | 0.0632% | 4,165 |
| Return on assets (ROA) | 0.0632% | 4,192 |
| Pretax return on assets | 0.0224% | 4,222 |
| Return on Equity (ROE) | 1.5100% | 4,084 |
| Retained earnings to average equity (ytd only) | 1.5100% | 3,483 |
| Net charge-offs to loans | -0.0039% | 3,752 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 101.9095% | 260 |
| Assets per employee ($millions) | 7.6037% | 1,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9755% | 3,398 |
| Loan loss allowance to noncurrent loans | 384.8255% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.2041% | 2,382 |
| Noncurrent loans to loans | 0.2535% | 2,468 |
| Net loans and leases to total assets | 69.0900% | 2,010 |
| Net loans and leases to deposits | 95.0244% | 865 |
| Net loans and leases to core deposits | 121.9034% | 583 |
| Total domestic deposits to total assets | 72.7100% | 4,145 |
| Equity capital to assets | 4.4031% | 4,432 |
| Core capital (leverage) ratio | 7.9363% | 4,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8781% | 2,599 |
| Memoranda: | ||
| Average total assets | $740,533,333 | 1,286 |
| Average earning assets | $698,364,333 | 1,266 |
| Average equity | $30,992,667 | 2,307 |
| Average total loans | $511,630,667 | 1,267 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6578% | 3,421 |
| Cost of funding earning assets | 2.5772% | 871 |
| Net interest margin | 2.0807% | 4,270 |
| Noninterest income to average assets | 0.4600% | 1,966 |
| Noninterest expense to average assets | 2.5353% | 2,148 |
| Loan and lease loss provision to assets | -0.1000% | 4,444 |
| Net operating income to assets | 0.0596% | 4,161 |
| Return on assets (ROA) | 0.0596% | 4,199 |
| Pretax return on assets | -0.0217% | 4,275 |
| Return on Equity (ROE) | 1.4600% | 4,082 |
| Retained earnings to average equity (ytd only) | 1.4626% | 3,379 |
| Net charge-offs to loans | -0.0055% | 3,752 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 104.8398% | 238 |
| Assets per employee ($millions) | 8.2406% | 1,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9964% | 3,321 |
| Loan loss allowance to noncurrent loans | 346.3151% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 0.2078% | 2,312 |
| Noncurrent loans to loans | 0.2877% | 2,289 |
| Net loans and leases to total assets | 68.6200% | 1,949 |
| Net loans and leases to deposits | 90.7945% | 1,145 |
| Net loans and leases to core deposits | 114.2449% | 803 |
| Total domestic deposits to total assets | 75.5700% | 4,018 |
| Equity capital to assets | 4.0393% | 4,472 |
| Core capital (leverage) ratio | 7.7502% | 4,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3525% | 2,744 |
| Memoranda: | ||
| Average total assets | $738,220,000 | 1,285 |
| Average earning assets | $696,115,500 | 1,269 |
| Average equity | $30,084,000 | 2,349 |
| Average total loans | $507,477,500 | 1,272 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2976% | 3,445 |
| Cost of funding earning assets | 2.1944% | 645 |
| Net interest margin | 2.1032% | 4,372 |
| Noninterest income to average assets | 0.4200% | 2,406 |
| Noninterest expense to average assets | 2.2667% | 2,937 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 0.0279% | 4,305 |
| Return on assets (ROA) | -0.7410% | 4,513 |
| Pretax return on assets | -0.7403% | 4,505 |
| Return on Equity (ROE) | -19.6900% | 4,546 |
| Retained earnings to average equity (ytd only) | -23.6462% | 4,533 |
| Net charge-offs to loans | 0.0725% | 1,132 |
| Credit loss provision to net charge-offs | 181.9484% | 1,299 |
| Earnings coverage of net charge-offs (x) | 3.1719% | 2,656 |
| Efficiency ratio | 93.7138% | 304 |
| Assets per employee ($millions) | 8.3498% | 1,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0676% | 2,990 |
| Loan loss allowance to noncurrent loans | 384.4716% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.1977% | 2,233 |
| Noncurrent loans to loans | 0.2777% | 2,185 |
| Net loans and leases to total assets | 67.4500% | 2,096 |
| Net loans and leases to deposits | 89.9632% | 1,270 |
| Net loans and leases to core deposits | 111.5407% | 897 |
| Total domestic deposits to total assets | 74.9700% | 4,033 |
| Equity capital to assets | 4.1114% | 4,492 |
| Core capital (leverage) ratio | 7.6283% | 4,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2033% | 2,785 |
| Memoranda: | ||
| Average total assets | $728,051,600 | 1,267 |
| Average earning assets | $690,387,000 | 1,252 |
| Average equity | $27,404,000 | 2,394 |
| Average total loans | $481,400,200 | 1,272 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1849% | 3,495 |
| Cost of funding earning assets | 2.0871% | 612 |
| Net interest margin | 2.0978% | 4,410 |
| Noninterest income to average assets | 0.4200% | 2,376 |
| Noninterest expense to average assets | 2.2288% | 3,000 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 0.0444% | 4,351 |
| Return on assets (ROA) | -0.8715% | 4,553 |
| Pretax return on assets | -0.8706% | 4,543 |
| Return on Equity (ROE) | -23.7100% | 4,580 |
| Retained earnings to average equity (ytd only) | -29.1251% | 4,575 |
| Net charge-offs to loans | -0.0034% | 3,661 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 92.4471% | 306 |
| Assets per employee ($millions) | 8.5227% | 1,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0725% | 3,009 |
| Loan loss allowance to noncurrent loans | 397.9881% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 0.1938% | 2,298 |
| Noncurrent loans to loans | 0.2695% | 2,273 |
| Net loans and leases to total assets | 68.0000% | 2,041 |
| Net loans and leases to deposits | 90.3578% | 1,208 |
| Net loans and leases to core deposits | 109.4810% | 888 |
| Total domestic deposits to total assets | 75.2600% | 4,073 |
| Equity capital to assets | 3.1682% | 4,475 |
| Core capital (leverage) ratio | 7.5538% | 4,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6445% | 2,699 |
| Memoranda: | ||
| Average total assets | $726,368,000 | 1,269 |
| Average earning assets | $689,989,250 | 1,244 |
| Average equity | $26,702,500 | 2,414 |
| Average total loans | $476,518,000 | 1,281 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0213% | 3,638 |
| Cost of funding earning assets | 1.8848% | 631 |
| Net interest margin | 2.1366% | 4,447 |
| Noninterest income to average assets | 0.4800% | 1,983 |
| Noninterest expense to average assets | 2.2250% | 3,003 |
| Loan and lease loss provision to assets | -0.0100% | 4,374 |
| Net operating income to assets | 0.2856% | 4,176 |
| Return on assets (ROA) | 0.2856% | 4,205 |
| Pretax return on assets | 0.2869% | 4,242 |
| Return on Equity (ROE) | 7.4300% | 3,379 |
| Retained earnings to average equity (ytd only) | 1.0231% | 3,907 |
| Net charge-offs to loans | -0.0234% | 4,166 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 88.7621% | 395 |
| Assets per employee ($millions) | 8.8720% | 947 |
| Cash dividends to net income (ytd only)* | 86.2235% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0082% | 3,389 |
| Loan loss allowance to noncurrent loans | 580.3121% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.1308% | 2,632 |
| Noncurrent loans to loans | 0.1737% | 2,610 |
| Net loans and leases to total assets | 64.4500% | 2,342 |
| Net loans and leases to deposits | 87.8591% | 1,355 |
| Net loans and leases to core deposits | 108.6937% | 880 |
| Total domestic deposits to total assets | 73.3600% | 4,232 |
| Equity capital to assets | 3.7837% | 4,523 |
| Core capital (leverage) ratio | 8.2884% | 4,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6607% | 2,413 |
| Memoranda: | ||
| Average total assets | $727,014,667 | 1,260 |
| Average earning assets | $691,014,000 | 1,237 |
| Average equity | $27,953,000 | 2,359 |
| Average total loans | $469,361,333 | 1,282 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8848% | 3,704 |
| Cost of funding earning assets | 1.6568% | 626 |
| Net interest margin | 2.2281% | 4,484 |
| Noninterest income to average assets | 0.5500% | 1,626 |
| Noninterest expense to average assets | 2.2610% | 2,929 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.3932% | 4,097 |
| Return on assets (ROA) | 0.3932% | 4,047 |
| Pretax return on assets | 0.3948% | 4,144 |
| Return on Equity (ROE) | 10.1400% | 2,748 |
| Retained earnings to average equity (ytd only) | 2.0573% | 3,693 |
| Net charge-offs to loans | -0.0517% | 4,371 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 84.8327% | 554 |
| Assets per employee ($millions) | 8.1532% | 1,264 |
| Cash dividends to net income (ytd only)* | 79.7183% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0584% | 3,258 |
| Loan loss allowance to noncurrent loans | 633.1633% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.1341% | 2,577 |
| Noncurrent loans to loans | 0.1672% | 2,660 |
| Net loans and leases to total assets | 63.9500% | 2,255 |
| Net loans and leases to deposits | 82.4275% | 1,620 |
| Net loans and leases to core deposits | 101.6668% | 1,016 |
| Total domestic deposits to total assets | 77.5900% | 4,043 |
| Equity capital to assets | 4.0366% | 4,539 |
| Core capital (leverage) ratio | 8.4216% | 4,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6613% | 2,513 |
| Memoranda: | ||
| Average total assets | $722,334,500 | 1,281 |
| Average earning assets | $686,156,000 | 1,261 |
| Average equity | $27,998,500 | 2,385 |
| Average total loans | $464,313,500 | 1,306 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4244% | 3,285 |
| Cost of funding earning assets | 0.4939% | 1,430 |
| Net interest margin | 2.9305% | 3,610 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.2131% | 2,995 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.9314% | 2,842 |
| Return on assets (ROA) | 0.9314% | 2,785 |
| Pretax return on assets | 0.9389% | 3,244 |
| Return on Equity (ROE) | 17.5300% | 780 |
| Retained earnings to average equity (ytd only) | 8.5403% | 1,627 |
| Net charge-offs to loans | 0.0557% | 1,101 |
| Credit loss provision to net charge-offs | 219.0083% | 1,063 |
| Earnings coverage of net charge-offs (x) | 30.0124% | 1,681 |
| Efficiency ratio | 68.4577% | 1,905 |
| Assets per employee ($millions) | 7.9015% | 1,374 |
| Cash dividends to net income (ytd only)* | 51.2801% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1014% | 2,889 |
| Loan loss allowance to noncurrent loans | 621.1043% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 0.1350% | 2,579 |
| Noncurrent loans to loans | 0.1773% | 2,597 |
| Net loans and leases to total assets | 63.2200% | 2,307 |
| Net loans and leases to deposits | 79.4125% | 1,816 |
| Net loans and leases to core deposits | 104.6002% | 802 |
| Total domestic deposits to total assets | 79.6000% | 3,934 |
| Equity capital to assets | 3.7141% | 4,549 |
| Core capital (leverage) ratio | 8.3605% | 4,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7813% | 2,458 |
| Memoranda: | ||
| Average total assets | $717,128,400 | 1,290 |
| Average earning assets | $683,293,400 | 1,258 |
| Average equity | $38,101,600 | 1,992 |
| Average total loans | $434,442,200 | 1,309 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2623% | 3,279 |
| Cost of funding earning assets | 0.2953% | 2,224 |
| Net interest margin | 2.9670% | 3,302 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 2.2441% | 2,805 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.9678% | 2,602 |
| Return on assets (ROA) | 0.9678% | 2,573 |
| Pretax return on assets | 0.9749% | 3,093 |
| Return on Equity (ROE) | 16.9400% | 804 |
| Retained earnings to average equity (ytd only) | 7.0229% | 2,351 |
| Net charge-offs to loans | 0.0090% | 1,792 |
| Credit loss provision to net charge-offs | 913.7931% | 429 |
| Earnings coverage of net charge-offs (x) | 189.8276% | 642 |
| Efficiency ratio | 68.4693% | 1,958 |
| Assets per employee ($millions) | 8.2733% | 1,183 |
| Cash dividends to net income (ytd only)* | 58.5352% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1179% | 2,930 |
| Loan loss allowance to noncurrent loans | 477.1429% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.1589% | 2,505 |
| Noncurrent loans to loans | 0.2343% | 2,450 |
| Net loans and leases to total assets | 60.8700% | 2,416 |
| Net loans and leases to deposits | 71.6531% | 2,237 |
| Net loans and leases to core deposits | 94.1009% | 1,089 |
| Total domestic deposits to total assets | 84.9500% | 3,300 |
| Equity capital to assets | 3.5511% | 4,539 |
| Core capital (leverage) ratio | 8.2266% | 4,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7496% | 2,571 |
| Memoranda: | ||
| Average total assets | $716,651,500 | 1,296 |
| Average earning assets | $683,591,500 | 1,266 |
| Average equity | $40,950,500 | 1,919 |
| Average total loans | $428,152,000 | 1,311 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1361% | 3,219 |
| Cost of funding earning assets | 0.1885% | 3,067 |
| Net interest margin | 2.9476% | 3,041 |
| Noninterest income to average assets | 0.4366% | 2,531 |
| Noninterest expense to average assets | 2.2672% | 2,646 |
| Loan and lease loss provision to assets | -0.0264% | 4,452 |
| Net operating income to assets | 1.0016% | 2,152 |
| Return on assets (ROA) | 1.0016% | 2,124 |
| Pretax return on assets | 1.0078% | 2,703 |
| Return on Equity (ROE) | 15.5276% | 791 |
| Retained earnings to average equity (ytd only) | 6.6503% | 2,113 |
| Net charge-offs to loans | -0.0631% | 4,318 |
| Credit loss provision to net charge-offs | 70.6767% | 1,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5483% | 2,022 |
| Assets per employee ($millions) | 8.0345% | 1,287 |
| Cash dividends to net income (ytd only)* | 57.1709% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1401% | 2,984 |
| Loan loss allowance to noncurrent loans | 392.2575% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.1716% | 2,501 |
| Noncurrent loans to loans | 0.2907% | 2,309 |
| Net loans and leases to total assets | 58.3618% | 2,491 |
| Net loans and leases to deposits | 67.6766% | 2,413 |
| Net loans and leases to core deposits | 86.4620% | 1,305 |
| Total domestic deposits to total assets | 86.2363% | 3,184 |
| Equity capital to assets | 4.7689% | 4,523 |
| Core capital (leverage) ratio | 8.3171% | 4,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0061% | 2,495 |
| Memoranda: | ||
| Average total assets | $712,852,333 | 1,299 |
| Average earning assets | $680,087,333 | 1,282 |
| Average equity | $45,982,667 | 1,802 |
| Average total loans | $421,485,333 | 1,325 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0695% | 3,056 |
| Cost of funding earning assets | 0.1624% | 3,332 |
| Net interest margin | 2.9070% | 2,816 |
| Noninterest income to average assets | 0.4681% | 2,310 |
| Noninterest expense to average assets | 2.2890% | 2,541 |
| Loan and lease loss provision to assets | -0.0259% | 4,467 |
| Net operating income to assets | 0.9442% | 2,093 |
| Return on assets (ROA) | 0.9442% | 2,083 |
| Pretax return on assets | 0.9813% | 2,497 |
| Return on Equity (ROE) | 12.9421% | 1,047 |
| Retained earnings to average equity (ytd only) | 7.8885% | 1,618 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3274% | 2,183 |
| Assets per employee ($millions) | 8.1643% | 1,275 |
| Cash dividends to net income (ytd only)* | 39.0476% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1072% | 3,299 |
| Loan loss allowance to noncurrent loans | 432.5709% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.1504% | 2,746 |
| Noncurrent loans to loans | 0.2560% | 2,562 |
| Net loans and leases to total assets | 58.1168% | 2,285 |
| Net loans and leases to deposits | 65.8364% | 2,350 |
| Net loans and leases to core deposits | 85.0637% | 1,185 |
| Total domestic deposits to total assets | 88.2745% | 2,396 |
| Equity capital to assets | 6.3631% | 4,481 |
| Core capital (leverage) ratio | 8.4052% | 3,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9240% | 2,636 |
| Memoranda: | ||
| Average total assets | $711,743,500 | 1,304 |
| Average earning assets | $679,730,000 | 1,277 |
| Average equity | $51,923,500 | 1,680 |
| Average total loans | $421,157,500 | 1,323 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2015% | 3,470 |
| Cost of funding earning assets | 0.2093% | 3,375 |
| Net interest margin | 2.9922% | 3,219 |
| Noninterest income to average assets | 0.5166% | 2,495 |
| Noninterest expense to average assets | 1.9889% | 3,706 |
| Loan and lease loss provision to assets | 0.0109% | 2,864 |
| Net operating income to assets | 1.3575% | 1,415 |
| Return on assets (ROA) | 1.2872% | 1,691 |
| Pretax return on assets | 1.3006% | 2,361 |
| Return on Equity (ROE) | 15.4237% | 856 |
| Retained earnings to average equity (ytd only) | 9.9168% | 938 |
| Net charge-offs to loans | 0.0159% | 1,988 |
| Credit loss provision to net charge-offs | 117.1875% | 1,668 |
| Earnings coverage of net charge-offs (x) | 148.2031% | 665 |
| Efficiency ratio | 58.7505% | 3,323 |
| Assets per employee ($millions) | 8.0099% | 1,324 |
| Cash dividends to net income (ytd only)* | 35.7038% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9112% | 4,037 |
| Loan loss allowance to noncurrent loans | 324.5283% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 0.1673% | 2,757 |
| Noncurrent loans to loans | 0.2808% | 2,599 |
| Net loans and leases to total assets | 59.0522% | 2,267 |
| Net loans and leases to deposits | 69.6966% | 2,162 |
| Net loans and leases to core deposits | 87.6374% | 1,098 |
| Total domestic deposits to total assets | 84.7275% | 3,351 |
| Equity capital to assets | 8.2672% | 4,195 |
| Core capital (leverage) ratio | 8.6531% | 3,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2902% | 2,533 |
| Memoranda: | ||
| Average total assets | $686,045,400 | 1,302 |
| Average earning assets | $654,575,000 | 1,283 |
| Average equity | $57,256,200 | 1,573 |
| Average total loans | $402,580,800 | 1,364 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2108% | 3,584 |
| Cost of funding earning assets | 0.2249% | 3,376 |
| Net interest margin | 2.9858% | 3,345 |
| Noninterest income to average assets | 0.5217% | 2,533 |
| Noninterest expense to average assets | 1.9851% | 3,727 |
| Loan and lease loss provision to assets | 0.0146% | 2,704 |
| Net operating income to assets | 1.3573% | 1,663 |
| Return on assets (ROA) | 1.3800% | 1,661 |
| Pretax return on assets | 1.3943% | 2,360 |
| Return on Equity (ROE) | 16.4961% | 850 |
| Retained earnings to average equity (ytd only) | 9.1448% | 1,639 |
| Net charge-offs to loans | -0.0067% | 3,522 |
| Credit loss provision to net charge-offs | -375.0000% | 3,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6444% | 3,172 |
| Assets per employee ($millions) | 7.7729% | 1,400 |
| Cash dividends to net income (ytd only)* | 44.5638% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9450% | 4,020 |
| Loan loss allowance to noncurrent loans | 395.5010% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.1440% | 3,149 |
| Noncurrent loans to loans | 0.2389% | 2,975 |
| Net loans and leases to total assets | 59.2729% | 2,345 |
| Net loans and leases to deposits | 71.7398% | 2,076 |
| Net loans and leases to core deposits | 91.9424% | 927 |
| Total domestic deposits to total assets | 82.6221% | 3,793 |
| Equity capital to assets | 8.4677% | 4,237 |
| Core capital (leverage) ratio | 8.6350% | 3,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9835% | 2,709 |
| Memoranda: | ||
| Average total assets | $683,341,750 | 1,321 |
| Average earning assets | $652,084,500 | 1,305 |
| Average equity | $57,167,500 | 1,597 |
| Average total loans | $399,402,250 | 1,409 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1340% | 3,793 |
| Cost of funding earning assets | 0.2467% | 3,306 |
| Net interest margin | 2.8873% | 3,601 |
| Noninterest income to average assets | 0.5372% | 2,457 |
| Noninterest expense to average assets | 1.9303% | 3,893 |
| Loan and lease loss provision to assets | 0.0220% | 2,537 |
| Net operating income to assets | 1.3286% | 1,778 |
| Return on assets (ROA) | 1.3292% | 1,842 |
| Pretax return on assets | 1.3406% | 2,516 |
| Return on Equity (ROE) | 15.9531% | 968 |
| Retained earnings to average equity (ytd only) | 7.8501% | 2,129 |
| Net charge-offs to loans | -0.0096% | 3,651 |
| Credit loss provision to net charge-offs | -394.7368% | 3,396 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3815% | 3,233 |
| Assets per employee ($millions) | 8.3023% | 1,079 |
| Cash dividends to net income (ytd only)* | 50.7930% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9682% | 3,935 |
| Loan loss allowance to noncurrent loans | 394.9949% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.1431% | 3,295 |
| Noncurrent loans to loans | 0.2451% | 3,068 |
| Net loans and leases to total assets | 57.3966% | 2,737 |
| Net loans and leases to deposits | 67.3033% | 2,695 |
| Net loans and leases to core deposits | 88.6970% | 1,224 |
| Total domestic deposits to total assets | 85.2805% | 2,992 |
| Equity capital to assets | 8.1442% | 4,459 |
| Core capital (leverage) ratio | 8.3425% | 4,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6131% | 2,513 |
| Memoranda: | ||
| Average total assets | $683,118,667 | 1,321 |
| Average earning assets | $651,827,333 | 1,299 |
| Average equity | $56,916,667 | 1,599 |
| Average total loans | $396,102,667 | 1,425 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1393% | 3,806 |
| Cost of funding earning assets | 0.2755% | 3,217 |
| Net interest margin | 2.8638% | 3,608 |
| Noninterest income to average assets | 0.5446% | 2,423 |
| Noninterest expense to average assets | 1.9308% | 3,910 |
| Loan and lease loss provision to assets | 0.0441% | 2,190 |
| Net operating income to assets | 1.2997% | 1,828 |
| Return on assets (ROA) | 1.2997% | 1,906 |
| Pretax return on assets | 1.3027% | 2,561 |
| Return on Equity (ROE) | 15.4237% | 1,131 |
| Retained earnings to average equity (ytd only) | 8.5074% | 2,096 |
| Net charge-offs to loans | -0.0051% | 3,400 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6578% | 3,209 |
| Assets per employee ($millions) | 8.1607% | 1,123 |
| Cash dividends to net income (ytd only)* | 44.8416% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9763% | 3,941 |
| Loan loss allowance to noncurrent loans | 260.5139% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.2168% | 3,066 |
| Noncurrent loans to loans | 0.3747% | 2,751 |
| Net loans and leases to total assets | 57.0109% | 2,905 |
| Net loans and leases to deposits | 65.7975% | 2,939 |
| Net loans and leases to core deposits | 87.1671% | 1,437 |
| Total domestic deposits to total assets | 86.6460% | 2,466 |
| Equity capital to assets | 8.1305% | 4,410 |
| Core capital (leverage) ratio | 8.2484% | 4,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3141% | 2,561 |
| Memoranda: | ||
| Average total assets | $680,131,500 | 1,317 |
| Average earning assets | $649,060,500 | 1,293 |
| Average equity | $57,314,500 | 1,578 |
| Average total loans | $394,462,500 | 1,434 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6832% | 3,619 |
| Cost of funding earning assets | 0.6877% | 1,785 |
| Net interest margin | 2.9955% | 3,896 |
| Noninterest income to average assets | 0.5774% | 2,314 |
| Noninterest expense to average assets | 2.0870% | 3,959 |
| Loan and lease loss provision to assets | 0.2634% | 1,469 |
| Net operating income to assets | 1.0712% | 2,022 |
| Return on assets (ROA) | 1.0857% | 2,098 |
| Pretax return on assets | 1.0926% | 2,728 |
| Return on Equity (ROE) | 11.6831% | 1,419 |
| Retained earnings to average equity (ytd only) | 7.4025% | 1,234 |
| Net charge-offs to loans | 0.1579% | 1,039 |
| Credit loss provision to net charge-offs | 269.8145% | 1,847 |
| Earnings coverage of net charge-offs (x) | 13.7386% | 2,261 |
| Efficiency ratio | 60.6042% | 3,374 |
| Assets per employee ($millions) | 7.4973% | 1,288 |
| Cash dividends to net income (ytd only)* | 36.6394% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9570% | 4,011 |
| Loan loss allowance to noncurrent loans | 68.0187% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 0.8231% | 1,237 |
| Noncurrent loans to loans | 1.4069% | 965 |
| Net loans and leases to total assets | 57.8706% | 3,097 |
| Net loans and leases to deposits | 68.9027% | 2,991 |
| Net loans and leases to core deposits | 98.4989% | 984 |
| Total domestic deposits to total assets | 83.9888% | 3,109 |
| Equity capital to assets | 8.7281% | 4,269 |
| Core capital (leverage) ratio | 8.5090% | 4,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1937% | 2,554 |
| Memoranda: | ||
| Average total assets | $607,341,200 | 1,315 |
| Average earning assets | $578,024,200 | 1,296 |
| Average equity | $56,440,600 | 1,518 |
| Average total loans | $375,472,800 | 1,430 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8059% | 3,552 |
| Cost of funding earning assets | 0.7998% | 1,500 |
| Net interest margin | 3.0060% | 3,964 |
| Noninterest income to average assets | 0.5887% | 2,220 |
| Noninterest expense to average assets | 2.1189% | 3,899 |
| Loan and lease loss provision to assets | 0.2371% | 1,714 |
| Net operating income to assets | 1.0870% | 2,031 |
| Return on assets (ROA) | 1.1044% | 2,094 |
| Pretax return on assets | 1.1091% | 2,710 |
| Return on Equity (ROE) | 11.6810% | 1,457 |
| Retained earnings to average equity (ytd only) | 6.2453% | 1,999 |
| Net charge-offs to loans | -0.0162% | 4,360 |
| Credit loss provision to net charge-offs | -2,333.3333% | 4,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1828% | 3,195 |
| Assets per employee ($millions) | 7.2892% | 1,330 |
| Cash dividends to net income (ytd only)* | 46.5345% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9648% | 3,832 |
| Loan loss allowance to noncurrent loans | 42.9716% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 1.4344% | 618 |
| Noncurrent loans to loans | 2.2453% | 511 |
| Net loans and leases to total assets | 63.2209% | 2,859 |
| Net loans and leases to deposits | 75.1443% | 2,835 |
| Net loans and leases to core deposits | 103.6321% | 949 |
| Total domestic deposits to total assets | 84.1326% | 2,775 |
| Equity capital to assets | 9.1687% | 3,980 |
| Core capital (leverage) ratio | 8.6686% | 4,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0768% | 2,582 |
| Memoranda: | ||
| Average total assets | $590,486,250 | 1,330 |
| Average earning assets | $561,611,750 | 1,305 |
| Average equity | $55,827,250 | 1,517 |
| Average total loans | $370,775,750 | 1,436 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9954% | 3,338 |
| Cost of funding earning assets | 0.9548% | 1,132 |
| Net interest margin | 3.0406% | 4,038 |
| Noninterest income to average assets | 0.5163% | 2,506 |
| Noninterest expense to average assets | 2.1879% | 3,822 |
| Loan and lease loss provision to assets | 0.2766% | 1,546 |
| Net operating income to assets | 0.9479% | 2,499 |
| Return on assets (ROA) | 0.9683% | 2,560 |
| Pretax return on assets | 0.9641% | 3,135 |
| Return on Equity (ROE) | 10.1307% | 1,942 |
| Retained earnings to average equity (ytd only) | 4.5299% | 2,692 |
| Net charge-offs to loans | -0.0194% | 4,396 |
| Credit loss provision to net charge-offs | -2,285.7143% | 3,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9103% | 2,835 |
| Assets per employee ($millions) | 6.9967% | 1,439 |
| Cash dividends to net income (ytd only)* | 55.2857% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9408% | 3,832 |
| Loan loss allowance to noncurrent loans | 50.3214% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 1.1767% | 935 |
| Noncurrent loans to loans | 1.8697% | 738 |
| Net loans and leases to total assets | 62.2857% | 3,097 |
| Net loans and leases to deposits | 73.8785% | 3,087 |
| Net loans and leases to core deposits | 99.8331% | 1,265 |
| Total domestic deposits to total assets | 84.3084% | 2,634 |
| Equity capital to assets | 9.2994% | 3,832 |
| Core capital (leverage) ratio | 8.8156% | 4,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4957% | 2,402 |
| Memoranda: | ||
| Average total assets | $578,357,667 | 1,332 |
| Average earning assets | $550,085,667 | 1,310 |
| Average equity | $55,277,667 | 1,519 |
| Average total loans | $360,976,000 | 1,457 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9867% | 3,827 |
| Cost of funding earning assets | 1.1196% | 993 |
| Net interest margin | 2.8671% | 4,482 |
| Noninterest income to average assets | 0.4794% | 2,654 |
| Noninterest expense to average assets | 2.3119% | 3,746 |
| Loan and lease loss provision to assets | 0.2131% | 1,439 |
| Net operating income to assets | 0.6989% | 3,273 |
| Return on assets (ROA) | 0.7408% | 3,205 |
| Pretax return on assets | 0.7209% | 3,621 |
| Return on Equity (ROE) | 7.6392% | 2,660 |
| Retained earnings to average equity (ytd only) | 3.5449% | 2,874 |
| Net charge-offs to loans | -0.0183% | 4,307 |
| Credit loss provision to net charge-offs | -1,875.0000% | 3,696 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8466% | 2,098 |
| Assets per employee ($millions) | 6.2975% | 1,462 |
| Cash dividends to net income (ytd only)* | 53.5954% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8521% | 4,268 |
| Loan loss allowance to noncurrent loans | 126.2597% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 0.4319% | 2,737 |
| Noncurrent loans to loans | 0.6749% | 2,305 |
| Net loans and leases to total assets | 63.2748% | 3,157 |
| Net loans and leases to deposits | 75.4694% | 3,123 |
| Net loans and leases to core deposits | 102.0654% | 1,315 |
| Total domestic deposits to total assets | 83.8417% | 2,840 |
| Equity capital to assets | 9.7620% | 3,988 |
| Core capital (leverage) ratio | 8.9842% | 4,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5026% | 2,481 |
| Memoranda: | ||
| Average total assets | $563,179,500 | 1,330 |
| Average earning assets | $535,177,500 | 1,298 |
| Average equity | $54,613,000 | 1,527 |
| Average total loans | $350,092,500 | 1,452 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1093% | 4,019 |
| Cost of funding earning assets | 1.2364% | 933 |
| Net interest margin | 2.8728% | 4,682 |
| Noninterest income to average assets | 0.5020% | 2,727 |
| Noninterest expense to average assets | 2.2758% | 4,007 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.9368% | 3,069 |
| Return on assets (ROA) | 0.9558% | 3,079 |
| Pretax return on assets | 0.9646% | 3,559 |
| Return on Equity (ROE) | 10.1715% | 2,220 |
| Retained earnings to average equity (ytd only) | 7.4756% | 1,181 |
| Net charge-offs to loans | -0.1505% | 5,019 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0724% | 2,159 |
| Assets per employee ($millions) | 6.5068% | 1,283 |
| Cash dividends to net income (ytd only)* | 26.5039% | 3,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8172% | 4,249 |
| Loan loss allowance to noncurrent loans | 95.3793% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 0.5306% | 2,302 |
| Noncurrent loans to loans | 0.8568% | 1,797 |
| Net loans and leases to total assets | 59.9930% | 3,582 |
| Net loans and leases to deposits | 73.7158% | 3,379 |
| Net loans and leases to core deposits | 99.4602% | 1,609 |
| Total domestic deposits to total assets | 81.3841% | 3,681 |
| Equity capital to assets | 9.6317% | 4,240 |
| Core capital (leverage) ratio | 9.3051% | 4,274 |
| Tier 1 risk-based capital ratio | 13.1952% | 3,685 |
| Total risk-based capital ratio | 13.9123% | 3,853 |
| Memoranda: | ||
| Average total assets | $535,683,400 | 1,341 |
| Average earning assets | $507,026,000 | 1,314 |
| Average equity | $50,336,800 | 1,589 |
| Average total loans | $307,599,800 | 1,572 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1145% | 4,122 |
| Cost of funding earning assets | 1.2539% | 900 |
| Net interest margin | 2.8606% | 4,794 |
| Noninterest income to average assets | 0.5195% | 2,609 |
| Noninterest expense to average assets | 2.3323% | 3,870 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8845% | 3,403 |
| Return on assets (ROA) | 0.9094% | 3,391 |
| Pretax return on assets | 0.9182% | 3,822 |
| Return on Equity (ROE) | 9.7423% | 2,540 |
| Retained earnings to average equity (ytd only) | 6.1883% | 2,285 |
| Net charge-offs to loans | -0.0716% | 4,919 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6404% | 1,886 |
| Assets per employee ($millions) | 6.4202% | 1,317 |
| Cash dividends to net income (ytd only)* | 36.4794% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7525% | 4,540 |
| Loan loss allowance to noncurrent loans | 93.4041% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 0.4940% | 2,547 |
| Noncurrent loans to loans | 0.8057% | 1,957 |
| Net loans and leases to total assets | 59.5476% | 3,718 |
| Net loans and leases to deposits | 71.2679% | 3,662 |
| Net loans and leases to core deposits | 97.2419% | 1,882 |
| Total domestic deposits to total assets | 83.5546% | 2,976 |
| Equity capital to assets | 9.5716% | 4,409 |
| Core capital (leverage) ratio | 9.1385% | 4,524 |
| Tier 1 risk-based capital ratio | 13.1295% | 3,777 |
| Total risk-based capital ratio | 13.7842% | 3,994 |
| Memoranda: | ||
| Average total assets | $529,707,500 | 1,356 |
| Average earning assets | $501,043,250 | 1,333 |
| Average equity | $49,446,500 | 1,620 |
| Average total loans | $299,880,000 | 1,618 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0428% | 4,293 |
| Cost of funding earning assets | 1.2560% | 854 |
| Net interest margin | 2.7868% | 4,943 |
| Noninterest income to average assets | 0.4882% | 2,744 |
| Noninterest expense to average assets | 2.2885% | 4,035 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8303% | 3,542 |
| Return on assets (ROA) | 0.8303% | 3,604 |
| Pretax return on assets | 0.8341% | 4,012 |
| Return on Equity (ROE) | 8.9741% | 2,870 |
| Retained earnings to average equity (ytd only) | 5.5650% | 2,490 |
| Net charge-offs to loans | -0.1431% | 5,072 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5907% | 1,828 |
| Assets per employee ($millions) | 6.0842% | 1,483 |
| Cash dividends to net income (ytd only)* | 37.9881% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8066% | 4,418 |
| Loan loss allowance to noncurrent loans | 88.6653% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 0.6479% | 2,105 |
| Noncurrent loans to loans | 0.9097% | 1,803 |
| Net loans and leases to total assets | 57.6732% | 3,943 |
| Net loans and leases to deposits | 70.4300% | 3,803 |
| Net loans and leases to core deposits | 96.1510% | 2,056 |
| Total domestic deposits to total assets | 81.8872% | 3,548 |
| Equity capital to assets | 9.4662% | 4,435 |
| Core capital (leverage) ratio | 9.1763% | 4,490 |
| Tier 1 risk-based capital ratio | 13.5576% | 3,543 |
| Total risk-based capital ratio | 14.2604% | 3,736 |
| Memoranda: | ||
| Average total assets | $524,369,670 | 1,370 |
| Average earning assets | $495,694,000 | 1,347 |
| Average equity | $48,517,330 | 1,643 |
| Average total loans | $290,697,330 | 1,655 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9930% | 4,379 |
| Cost of funding earning assets | 1.2178% | 854 |
| Net interest margin | 2.7752% | 5,008 |
| Noninterest income to average assets | 0.4741% | 2,709 |
| Noninterest expense to average assets | 2.2242% | 4,201 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8688% | 3,358 |
| Return on assets (ROA) | 0.8688% | 3,408 |
| Pretax return on assets | 0.8712% | 3,856 |
| Return on Equity (ROE) | 9.5036% | 2,587 |
| Retained earnings to average equity (ytd only) | 7.4798% | 1,855 |
| Net charge-offs to loans | -0.0799% | 4,969 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1582% | 2,165 |
| Assets per employee ($millions) | 6.0580% | 1,502 |
| Cash dividends to net income (ytd only)* | 21.2955% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8418% | 4,380 |
| Loan loss allowance to noncurrent loans | 176.0448% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 0.3795% | 3,070 |
| Noncurrent loans to loans | 0.4782% | 2,879 |
| Net loans and leases to total assets | 53.3328% | 4,250 |
| Net loans and leases to deposits | 63.7991% | 4,192 |
| Net loans and leases to core deposits | 83.5114% | 3,063 |
| Total domestic deposits to total assets | 83.5949% | 3,187 |
| Equity capital to assets | 9.4579% | 4,296 |
| Core capital (leverage) ratio | 9.2332% | 4,429 |
| Tier 1 risk-based capital ratio | 14.6801% | 3,016 |
| Total risk-based capital ratio | 15.4024% | 3,191 |
| Memoranda: | ||
| Average total assets | $518,848,500 | 1,389 |
| Average earning assets | $490,056,000 | 1,366 |
| Average equity | $47,434,500 | 1,657 |
| Average total loans | $280,396,000 | 1,718 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9451% | 4,180 |
| Cost of funding earning assets | 0.8847% | 1,153 |
| Net interest margin | 3.0604% | 4,714 |
| Noninterest income to average assets | 0.5361% | 2,632 |
| Noninterest expense to average assets | 2.4288% | 3,802 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9976% | 3,020 |
| Return on assets (ROA) | 0.9668% | 3,149 |
| Pretax return on assets | 0.9680% | 3,703 |
| Return on Equity (ROE) | 11.4214% | 1,926 |
| Retained earnings to average equity (ytd only) | 4.9291% | 2,802 |
| Net charge-offs to loans | 0.0384% | 2,629 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 46.5463% | 1,187 |
| Efficiency ratio | 69.3235% | 2,322 |
| Assets per employee ($millions) | 5.7412% | 1,726 |
| Cash dividends to net income (ytd only)* | 56.8434% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8208% | 4,461 |
| Loan loss allowance to noncurrent loans | 172.1226% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 0.3822% | 3,031 |
| Noncurrent loans to loans | 0.4769% | 2,842 |
| Net loans and leases to total assets | 53.8548% | 4,289 |
| Net loans and leases to deposits | 65.6197% | 4,145 |
| Net loans and leases to core deposits | 86.5898% | 2,874 |
| Total domestic deposits to total assets | 82.0710% | 3,623 |
| Equity capital to assets | 8.8240% | 4,717 |
| Core capital (leverage) ratio | 9.0135% | 4,640 |
| Tier 1 risk-based capital ratio | 14.4696% | 3,075 |
| Total risk-based capital ratio | 15.1782% | 3,245 |
| Memoranda: | ||
| Average total assets | $503,290,000 | 1,404 |
| Average earning assets | $475,528,600 | 1,372 |
| Average equity | $42,604,200 | 1,756 |
| Average total loans | $281,578,000 | 1,669 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8891% | 4,238 |
| Cost of funding earning assets | 0.8069% | 1,302 |
| Net interest margin | 3.0821% | 4,735 |
| Noninterest income to average assets | 0.5126% | 2,788 |
| Noninterest expense to average assets | 2.3781% | 3,903 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0457% | 2,889 |
| Return on assets (ROA) | 1.0134% | 3,037 |
| Pretax return on assets | 1.0145% | 3,676 |
| Return on Equity (ROE) | 12.1045% | 1,755 |
| Retained earnings to average equity (ytd only) | 3.8830% | 3,834 |
| Net charge-offs to loans | 0.0435% | 2,225 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 42.6643% | 1,301 |
| Efficiency ratio | 67.8399% | 2,565 |
| Assets per employee ($millions) | 5.6277% | 1,799 |
| Cash dividends to net income (ytd only)* | 67.9211% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8019% | 4,617 |
| Loan loss allowance to noncurrent loans | 133.1228% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 0.3415% | 3,305 |
| Noncurrent loans to loans | 0.6023% | 2,571 |
| Net loans and leases to total assets | 56.0187% | 4,219 |
| Net loans and leases to deposits | 67.7494% | 4,078 |
| Net loans and leases to core deposits | 84.0776% | 3,149 |
| Total domestic deposits to total assets | 82.6852% | 3,411 |
| Equity capital to assets | 7.7716% | 5,247 |
| Core capital (leverage) ratio | 8.8576% | 4,842 |
| Tier 1 risk-based capital ratio | 13.7843% | 3,472 |
| Total risk-based capital ratio | 14.4779% | 3,681 |
| Memoranda: | ||
| Average total assets | $499,936,000 | 1,414 |
| Average earning assets | $472,390,000 | 1,382 |
| Average equity | $41,856,750 | 1,794 |
| Average total loans | $281,829,000 | 1,682 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8326% | 4,263 |
| Cost of funding earning assets | 0.7389% | 1,431 |
| Net interest margin | 3.0937% | 4,742 |
| Noninterest income to average assets | 0.5380% | 2,650 |
| Noninterest expense to average assets | 2.3808% | 3,946 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0773% | 2,675 |
| Return on assets (ROA) | 1.0285% | 2,905 |
| Pretax return on assets | 1.0297% | 3,570 |
| Return on Equity (ROE) | 11.9881% | 1,726 |
| Retained earnings to average equity (ytd only) | 2.8630% | 4,108 |
| Net charge-offs to loans | -0.1811% | 5,309 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2380% | 2,775 |
| Assets per employee ($millions) | 5.7767% | 1,652 |
| Cash dividends to net income (ytd only)* | 76.1176% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9375% | 4,171 |
| Loan loss allowance to noncurrent loans | 126.9781% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 0.4094% | 3,093 |
| Noncurrent loans to loans | 0.7383% | 2,263 |
| Net loans and leases to total assets | 54.7504% | 4,273 |
| Net loans and leases to deposits | 65.3537% | 4,202 |
| Net loans and leases to core deposits | 80.4941% | 3,373 |
| Total domestic deposits to total assets | 83.7755% | 3,139 |
| Equity capital to assets | 7.9425% | 5,241 |
| Core capital (leverage) ratio | 8.9064% | 4,780 |
| Tier 1 risk-based capital ratio | 13.8252% | 3,448 |
| Total risk-based capital ratio | 14.6363% | 3,600 |
| Memoranda: | ||
| Average total assets | $495,875,330 | 1,428 |
| Average earning assets | $468,241,670 | 1,397 |
| Average equity | $42,542,330 | 1,763 |
| Average total loans | $279,371,670 | 1,692 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7808% | 4,275 |
| Cost of funding earning assets | 0.6629% | 1,644 |
| Net interest margin | 3.1178% | 4,666 |
| Noninterest income to average assets | 0.4824% | 2,920 |
| Noninterest expense to average assets | 2.3873% | 3,983 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0371% | 2,702 |
| Return on assets (ROA) | 0.9927% | 2,901 |
| Pretax return on assets | 0.9919% | 3,561 |
| Return on Equity (ROE) | 11.1347% | 1,911 |
| Retained earnings to average equity (ytd only) | 3.6593% | 3,734 |
| Net charge-offs to loans | -0.3076% | 5,450 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0989% | 2,813 |
| Assets per employee ($millions) | 5.6050% | 1,843 |
| Cash dividends to net income (ytd only)* | 67.1358% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9397% | 4,263 |
| Loan loss allowance to noncurrent loans | 99.3939% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 0.5434% | 2,712 |
| Noncurrent loans to loans | 0.9454% | 1,933 |
| Net loans and leases to total assets | 56.0823% | 4,115 |
| Net loans and leases to deposits | 67.0056% | 4,023 |
| Net loans and leases to core deposits | 84.0909% | 2,975 |
| Total domestic deposits to total assets | 83.6979% | 3,436 |
| Equity capital to assets | 8.5724% | 4,923 |
| Core capital (leverage) ratio | 9.2214% | 4,406 |
| Tier 1 risk-based capital ratio | 13.7751% | 3,509 |
| Total risk-based capital ratio | 14.5760% | 3,672 |
| Memoranda: | ||
| Average total assets | $486,748,000 | 1,456 |
| Average earning assets | $459,167,500 | 1,435 |
| Average equity | $43,396,000 | 1,731 |
| Average total loans | $276,981,500 | 1,705 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6984% | 4,341 |
| Cost of funding earning assets | 0.4538% | 2,735 |
| Net interest margin | 3.2446% | 4,320 |
| Noninterest income to average assets | 0.5109% | 2,929 |
| Noninterest expense to average assets | 2.4272% | 3,996 |
| Loan and lease loss provision to assets | -0.0770% | 5,448 |
| Net operating income to assets | 1.2152% | 1,467 |
| Return on assets (ROA) | 1.2206% | 1,477 |
| Pretax return on assets | 1.2204% | 2,684 |
| Return on Equity (ROE) | 13.0884% | 937 |
| Retained earnings to average equity (ytd only) | 9.7577% | 390 |
| Net charge-offs to loans | -0.1410% | 5,454 |
| Credit loss provision to net charge-offs | 96.4770% | 2,675 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4179% | 3,186 |
| Assets per employee ($millions) | 5.5202% | 1,912 |
| Cash dividends to net income (ytd only)* | 25.4475% | 3,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8776% | 4,567 |
| Loan loss allowance to noncurrent loans | 202.2651% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 0.2565% | 3,853 |
| Noncurrent loans to loans | 0.4339% | 3,227 |
| Net loans and leases to total assets | 56.7005% | 4,129 |
| Net loans and leases to deposits | 69.5904% | 3,908 |
| Net loans and leases to core deposits | 87.2070% | 2,800 |
| Total domestic deposits to total assets | 81.4775% | 4,005 |
| Equity capital to assets | 9.2679% | 4,459 |
| Core capital (leverage) ratio | 9.3779% | 4,194 |
| Tier 1 risk-based capital ratio | 14.0474% | 3,339 |
| Total risk-based capital ratio | 14.8039% | 3,507 |
| Memoranda: | ||
| Average total assets | $462,307,000 | 1,506 |
| Average earning assets | $435,190,800 | 1,490 |
| Average equity | $43,114,600 | 1,724 |
| Average total loans | $261,625,400 | 1,754 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6574% | 4,429 |
| Cost of funding earning assets | 0.4135% | 3,053 |
| Net interest margin | 3.2439% | 4,343 |
| Noninterest income to average assets | 0.5350% | 2,803 |
| Noninterest expense to average assets | 2.4291% | 3,938 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1629% | 1,831 |
| Return on assets (ROA) | 1.1702% | 1,843 |
| Pretax return on assets | 1.1675% | 3,030 |
| Return on Equity (ROE) | 12.5268% | 1,179 |
| Retained earnings to average equity (ytd only) | 8.0499% | 1,202 |
| Net charge-offs to loans | -0.1141% | 5,412 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0122% | 3,207 |
| Assets per employee ($millions) | 5.3640% | 2,051 |
| Cash dividends to net income (ytd only)* | 35.7392% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9822% | 4,174 |
| Loan loss allowance to noncurrent loans | 218.7970% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 0.2654% | 4,008 |
| Noncurrent loans to loans | 0.4489% | 3,356 |
| Net loans and leases to total assets | 55.9324% | 4,239 |
| Net loans and leases to deposits | 69.8302% | 3,977 |
| Net loans and leases to core deposits | 84.5241% | 3,087 |
| Total domestic deposits to total assets | 80.0976% | 4,294 |
| Equity capital to assets | 9.5113% | 4,435 |
| Core capital (leverage) ratio | 9.2333% | 4,486 |
| Tier 1 risk-based capital ratio | 13.6928% | 3,582 |
| Total risk-based capital ratio | 14.5251% | 3,752 |
| Memoranda: | ||
| Average total assets | $457,818,750 | 1,530 |
| Average earning assets | $431,077,500 | 1,511 |
| Average equity | $42,765,750 | 1,756 |
| Average total loans | $258,351,500 | 1,776 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6073% | 4,491 |
| Cost of funding earning assets | 0.3696% | 3,383 |
| Net interest margin | 3.2378% | 4,297 |
| Noninterest income to average assets | 0.5783% | 2,568 |
| Noninterest expense to average assets | 2.3846% | 4,093 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2479% | 1,448 |
| Return on assets (ROA) | 1.2514% | 1,459 |
| Pretax return on assets | 1.2448% | 2,610 |
| Return on Equity (ROE) | 13.4821% | 928 |
| Retained earnings to average equity (ytd only) | 8.6885% | 943 |
| Net charge-offs to loans | -0.1119% | 5,441 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1101% | 3,651 |
| Assets per employee ($millions) | 5.3110% | 2,045 |
| Cash dividends to net income (ytd only)* | 35.5556% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9789% | 4,271 |
| Loan loss allowance to noncurrent loans | 231.4208% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.2441% | 4,160 |
| Noncurrent loans to loans | 0.4230% | 3,505 |
| Net loans and leases to total assets | 54.3779% | 4,360 |
| Net loans and leases to deposits | 68.4761% | 4,025 |
| Net loans and leases to core deposits | 81.1878% | 3,324 |
| Total domestic deposits to total assets | 79.4115% | 4,528 |
| Equity capital to assets | 9.2693% | 4,654 |
| Core capital (leverage) ratio | 9.3129% | 4,353 |
| Tier 1 risk-based capital ratio | 13.6113% | 3,630 |
| Total risk-based capital ratio | 14.4294% | 3,796 |
| Memoranda: | ||
| Average total assets | $453,082,000 | 1,553 |
| Average earning assets | $426,464,000 | 1,530 |
| Average equity | $42,055,670 | 1,779 |
| Average total loans | $255,590,000 | 1,789 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5787% | 4,479 |
| Cost of funding earning assets | 0.3308% | 3,741 |
| Net interest margin | 3.2479% | 4,191 |
| Noninterest income to average assets | 0.6732% | 2,075 |
| Noninterest expense to average assets | 2.3299% | 4,321 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4212% | 956 |
| Return on assets (ROA) | 1.4212% | 983 |
| Pretax return on assets | 1.3996% | 1,894 |
| Return on Equity (ROE) | 15.3000% | 612 |
| Retained earnings to average equity (ytd only) | 15.3000% | 221 |
| Net charge-offs to loans | -0.0315% | 4,954 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8275% | 4,344 |
| Assets per employee ($millions) | 5.0571% | 2,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9525% | 4,537 |
| Loan loss allowance to noncurrent loans | 244.4894% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 0.2389% | 4,270 |
| Noncurrent loans to loans | 0.3896% | 3,712 |
| Net loans and leases to total assets | 56.5024% | 4,116 |
| Net loans and leases to deposits | 70.9114% | 3,702 |
| Net loans and leases to core deposits | 80.9310% | 3,205 |
| Total domestic deposits to total assets | 79.6803% | 4,683 |
| Equity capital to assets | 9.4273% | 4,364 |
| Core capital (leverage) ratio | 9.6036% | 3,992 |
| Tier 1 risk-based capital ratio | 14.0612% | 3,436 |
| Total risk-based capital ratio | 14.8714% | 3,613 |
| Memoranda: | ||
| Average total assets | $443,282,500 | 1,590 |
| Average earning assets | $417,134,500 | 1,566 |
| Average equity | $41,176,500 | 1,812 |
| Average total loans | $253,597,500 | 1,814 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8334% | 3,797 |
| Cost of funding earning assets | 0.2941% | 4,129 |
| Net interest margin | 3.5393% | 3,289 |
| Noninterest income to average assets | 0.5020% | 3,223 |
| Noninterest expense to average assets | 2.6624% | 3,479 |
| Loan and lease loss provision to assets | 0.0118% | 4,141 |
| Net operating income to assets | 1.1482% | 1,702 |
| Return on assets (ROA) | 1.2965% | 1,292 |
| Pretax return on assets | 1.3012% | 2,283 |
| Return on Equity (ROE) | 12.6513% | 1,077 |
| Retained earnings to average equity (ytd only) | 6.6368% | 1,388 |
| Net charge-offs to loans | 0.0550% | 2,942 |
| Credit loss provision to net charge-offs | 35.7143% | 3,542 |
| Earnings coverage of net charge-offs (x) | 35.3500% | 1,292 |
| Efficiency ratio | 67.8145% | 3,273 |
| Assets per employee ($millions) | 4.7993% | 2,650 |
| Cash dividends to net income (ytd only)* | 47.5404% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9466% | 4,596 |
| Loan loss allowance to noncurrent loans | 275.0000% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 0.2401% | 4,344 |
| Noncurrent loans to loans | 0.3442% | 3,901 |
| Net loans and leases to total assets | 56.8304% | 4,187 |
| Net loans and leases to deposits | 72.2675% | 3,684 |
| Net loans and leases to core deposits | 82.9454% | 3,130 |
| Total domestic deposits to total assets | 78.6390% | 4,879 |
| Equity capital to assets | 9.1496% | 4,651 |
| Core capital (leverage) ratio | 9.3819% | 4,243 |
| Tier 1 risk-based capital ratio | 13.5067% | 3,767 |
| Total risk-based capital ratio | 14.3064% | 3,944 |
| Memoranda: | ||
| Average total assets | $424,909,400 | 1,602 |
| Average earning assets | $399,205,400 | 1,571 |
| Average equity | $43,545,000 | 1,704 |
| Average total loans | $254,754,600 | 1,770 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8477% | 3,774 |
| Cost of funding earning assets | 0.2883% | 4,225 |
| Net interest margin | 3.5595% | 3,235 |
| Noninterest income to average assets | 0.6008% | 2,654 |
| Noninterest expense to average assets | 2.6444% | 3,518 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2957% | 1,307 |
| Return on assets (ROA) | 1.4751% | 966 |
| Pretax return on assets | 1.4811% | 1,774 |
| Return on Equity (ROE) | 14.0002% | 826 |
| Retained earnings to average equity (ytd only) | 7.6182% | 1,350 |
| Net charge-offs to loans | -0.0042% | 4,584 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2774% | 3,715 |
| Assets per employee ($millions) | 4.8838% | 2,516 |
| Cash dividends to net income (ytd only)* | 45.5854% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9619% | 4,607 |
| Loan loss allowance to noncurrent loans | 201.6155% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 0.3986% | 3,831 |
| Noncurrent loans to loans | 0.4771% | 3,581 |
| Net loans and leases to total assets | 59.7969% | 3,905 |
| Net loans and leases to deposits | 73.9092% | 3,606 |
| Net loans and leases to core deposits | 84.2543% | 3,099 |
| Total domestic deposits to total assets | 80.9058% | 4,267 |
| Equity capital to assets | 10.6659% | 3,388 |
| Core capital (leverage) ratio | 9.6349% | 4,013 |
| Tier 1 risk-based capital ratio | 13.5609% | 3,825 |
| Total risk-based capital ratio | 14.4050% | 3,972 |
| Memoranda: | ||
| Average total assets | $420,752,250 | 1,615 |
| Average earning assets | $395,443,250 | 1,589 |
| Average equity | $44,331,500 | 1,684 |
| Average total loans | $255,111,750 | 1,768 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8394% | 3,809 |
| Cost of funding earning assets | 0.2829% | 4,318 |
| Net interest margin | 3.5565% | 3,273 |
| Noninterest income to average assets | 0.6559% | 2,345 |
| Noninterest expense to average assets | 2.6293% | 3,614 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3693% | 1,119 |
| Return on assets (ROA) | 1.5828% | 794 |
| Pretax return on assets | 1.5861% | 1,409 |
| Return on Equity (ROE) | 15.0859% | 660 |
| Retained earnings to average equity (ytd only) | 7.5156% | 1,373 |
| Net charge-offs to loans | -0.0173% | 4,891 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9789% | 4,016 |
| Assets per employee ($millions) | 4.6129% | 2,851 |
| Cash dividends to net income (ytd only)* | 50.1815% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9710% | 4,663 |
| Loan loss allowance to noncurrent loans | 250.7493% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.3469% | 4,105 |
| Noncurrent loans to loans | 0.3873% | 3,971 |
| Net loans and leases to total assets | 60.9801% | 3,754 |
| Net loans and leases to deposits | 74.6529% | 3,513 |
| Net loans and leases to core deposits | 85.8749% | 2,914 |
| Total domestic deposits to total assets | 81.6847% | 4,093 |
| Equity capital to assets | 10.8531% | 3,233 |
| Core capital (leverage) ratio | 9.5158% | 4,189 |
| Tier 1 risk-based capital ratio | 13.4257% | 3,951 |
| Total risk-based capital ratio | 14.2861% | 4,096 |
| Memoranda: | ||
| Average total assets | $417,746,330 | 1,623 |
| Average earning assets | $393,026,000 | 1,597 |
| Average equity | $43,829,000 | 1,704 |
| Average total loans | $253,654,000 | 1,777 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8551% | 3,749 |
| Cost of funding earning assets | 0.2797% | 4,394 |
| Net interest margin | 3.5754% | 3,186 |
| Noninterest income to average assets | 0.7228% | 1,924 |
| Noninterest expense to average assets | 2.6472% | 3,586 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4513% | 940 |
| Return on assets (ROA) | 1.6346% | 697 |
| Pretax return on assets | 1.6202% | 1,250 |
| Return on Equity (ROE) | 15.8550% | 551 |
| Retained earnings to average equity (ytd only) | 10.8648% | 672 |
| Net charge-offs to loans | -0.0494% | 5,322 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1257% | 4,284 |
| Assets per employee ($millions) | 4.6538% | 2,812 |
| Cash dividends to net income (ytd only)* | 31.4739% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9903% | 4,666 |
| Loan loss allowance to noncurrent loans | 244.5631% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 0.3387% | 4,203 |
| Noncurrent loans to loans | 0.4049% | 3,986 |
| Net loans and leases to total assets | 60.8057% | 3,674 |
| Net loans and leases to deposits | 74.5324% | 3,369 |
| Net loans and leases to core deposits | 89.5129% | 2,416 |
| Total domestic deposits to total assets | 81.5829% | 4,334 |
| Equity capital to assets | 10.7476% | 3,206 |
| Core capital (leverage) ratio | 9.4179% | 4,330 |
| Tier 1 risk-based capital ratio | 13.2583% | 4,115 |
| Total risk-based capital ratio | 14.1225% | 4,254 |
| Memoranda: | ||
| Average total assets | $416,734,500 | 1,623 |
| Average earning assets | $391,792,000 | 1,601 |
| Average equity | $42,964,500 | 1,731 |
| Average total loans | $251,238,000 | 1,791 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8893% | 3,743 |
| Cost of funding earning assets | 0.2750% | 4,537 |
| Net interest margin | 3.6144% | 3,080 |
| Noninterest income to average assets | 0.6510% | 2,455 |
| Noninterest expense to average assets | 2.5969% | 3,934 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.4330% | 976 |
| Return on assets (ROA) | 1.4529% | 971 |
| Pretax return on assets | 1.4680% | 1,652 |
| Return on Equity (ROE) | 14.8176% | 717 |
| Retained earnings to average equity (ytd only) | 6.4471% | 1,567 |
| Net charge-offs to loans | -0.0242% | 5,329 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6183% | 4,509 |
| Assets per employee ($millions) | 4.7111% | 2,717 |
| Cash dividends to net income (ytd only)* | 56.4905% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0028% | 4,591 |
| Loan loss allowance to noncurrent loans | 329.1005% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.2707% | 4,510 |
| Noncurrent loans to loans | 0.3047% | 4,369 |
| Net loans and leases to total assets | 58.5811% | 4,010 |
| Net loans and leases to deposits | 74.4891% | 3,439 |
| Net loans and leases to core deposits | 86.7900% | 2,720 |
| Total domestic deposits to total assets | 78.6438% | 5,043 |
| Equity capital to assets | 9.8773% | 4,102 |
| Core capital (leverage) ratio | 9.1919% | 4,628 |
| Tier 1 risk-based capital ratio | 13.1887% | 4,177 |
| Total risk-based capital ratio | 14.0602% | 4,342 |
| Memoranda: | ||
| Average total assets | $402,441,200 | 1,638 |
| Average earning assets | $377,878,800 | 1,613 |
| Average equity | $39,459,800 | 1,821 |
| Average total loans | $240,058,800 | 1,799 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8730% | 3,840 |
| Cost of funding earning assets | 0.2756% | 4,601 |
| Net interest margin | 3.5974% | 3,170 |
| Noninterest income to average assets | 0.7446% | 2,049 |
| Noninterest expense to average assets | 2.5449% | 4,067 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.5614% | 830 |
| Return on assets (ROA) | 1.5763% | 850 |
| Pretax return on assets | 1.5933% | 1,401 |
| Return on Equity (ROE) | 16.1072% | 574 |
| Retained earnings to average equity (ytd only) | 4.8069% | 3,049 |
| Net charge-offs to loans | -0.0162% | 5,133 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2111% | 4,864 |
| Assets per employee ($millions) | 4.7944% | 2,568 |
| Cash dividends to net income (ytd only)* | 70.1571% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9995% | 4,749 |
| Loan loss allowance to noncurrent loans | 103.8429% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 0.7591% | 3,005 |
| Noncurrent loans to loans | 0.9625% | 2,579 |
| Net loans and leases to total assets | 59.0707% | 4,003 |
| Net loans and leases to deposits | 73.0075% | 3,650 |
| Net loans and leases to core deposits | 83.5828% | 3,087 |
| Total domestic deposits to total assets | 80.9105% | 4,497 |
| Equity capital to assets | 10.2003% | 3,933 |
| Core capital (leverage) ratio | 9.1965% | 4,731 |
| Tier 1 risk-based capital ratio | 13.0341% | 4,410 |
| Total risk-based capital ratio | 13.9126% | 4,547 |
| Memoranda: | ||
| Average total assets | $398,230,500 | 1,668 |
| Average earning assets | $374,003,250 | 1,641 |
| Average equity | $38,971,250 | 1,860 |
| Average total loans | $238,046,250 | 1,818 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8801% | 3,772 |
| Cost of funding earning assets | 0.2778% | 4,634 |
| Net interest margin | 3.6023% | 3,083 |
| Noninterest income to average assets | 0.6932% | 2,245 |
| Noninterest expense to average assets | 2.4989% | 4,249 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.5579% | 818 |
| Return on assets (ROA) | 1.5765% | 813 |
| Pretax return on assets | 1.5943% | 1,343 |
| Return on Equity (ROE) | 16.3511% | 567 |
| Retained earnings to average equity (ytd only) | 1.2598% | 5,047 |
| Net charge-offs to loans | -0.0314% | 5,350 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8977% | 4,997 |
| Assets per employee ($millions) | 4.9763% | 2,307 |
| Cash dividends to net income (ytd only)* | 92.2953% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0192% | 4,772 |
| Loan loss allowance to noncurrent loans | 109.9376% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 0.7646% | 3,094 |
| Noncurrent loans to loans | 0.9271% | 2,815 |
| Net loans and leases to total assets | 60.9433% | 3,699 |
| Net loans and leases to deposits | 76.5021% | 3,211 |
| Net loans and leases to core deposits | 85.1417% | 2,866 |
| Total domestic deposits to total assets | 79.6622% | 4,936 |
| Equity capital to assets | 9.6016% | 4,533 |
| Core capital (leverage) ratio | 8.5876% | 5,453 |
| Tier 1 risk-based capital ratio | 11.9121% | 5,209 |
| Total risk-based capital ratio | 12.7967% | 5,354 |
| Memoranda: | ||
| Average total assets | $393,533,670 | 1,699 |
| Average earning assets | $369,375,670 | 1,665 |
| Average equity | $37,942,330 | 1,912 |
| Average total loans | $235,388,330 | 1,836 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8948% | 3,647 |
| Cost of funding earning assets | 0.2805% | 4,665 |
| Net interest margin | 3.6143% | 2,946 |
| Noninterest income to average assets | 0.8554% | 1,546 |
| Noninterest expense to average assets | 2.4433% | 4,467 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.7830% | 494 |
| Return on assets (ROA) | 1.7860% | 518 |
| Pretax return on assets | 1.8053% | 858 |
| Return on Equity (ROE) | 18.4858% | 350 |
| Retained earnings to average equity (ytd only) | 7.6341% | 1,708 |
| Net charge-offs to loans | -0.1724% | 6,012 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1857% | 5,499 |
| Assets per employee ($millions) | 5.1457% | 2,174 |
| Cash dividends to net income (ytd only)* | 58.7031% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0671% | 4,674 |
| Loan loss allowance to noncurrent loans | 388.6329% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.3566% | 4,580 |
| Noncurrent loans to loans | 0.2746% | 4,797 |
| Net loans and leases to total assets | 59.2023% | 3,770 |
| Net loans and leases to deposits | 74.6312% | 3,212 |
| Net loans and leases to core deposits | 82.2132% | 2,943 |
| Total domestic deposits to total assets | 79.3264% | 5,207 |
| Equity capital to assets | 9.8227% | 4,362 |
| Core capital (leverage) ratio | 8.6618% | 5,362 |
| Tier 1 risk-based capital ratio | 12.0224% | 5,218 |
| Total risk-based capital ratio | 12.9254% | 5,358 |
| Memoranda: | ||
| Average total assets | $393,735,000 | 1,699 |
| Average earning assets | $369,313,000 | 1,675 |
| Average equity | $38,040,000 | 1,925 |
| Average total loans | $232,055,500 | 1,861 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9738% | 3,820 |
| Cost of funding earning assets | 0.3197% | 4,583 |
| Net interest margin | 3.6542% | 3,204 |
| Noninterest income to average assets | 0.6414% | 2,609 |
| Noninterest expense to average assets | 2.4122% | 4,813 |
| Loan and lease loss provision to assets | 0.0515% | 3,529 |
| Net operating income to assets | 1.5817% | 735 |
| Return on assets (ROA) | 1.5519% | 822 |
| Pretax return on assets | 1.5627% | 1,345 |
| Return on Equity (ROE) | 17.2676% | 466 |
| Retained earnings to average equity (ytd only) | 7.0389% | 1,390 |
| Net charge-offs to loans | 0.1306% | 2,706 |
| Credit loss provision to net charge-offs | 66.6667% | 3,140 |
| Earnings coverage of net charge-offs (x) | 21.2800% | 1,684 |
| Efficiency ratio | 57.9910% | 5,459 |
| Assets per employee ($millions) | 5.0812% | 2,229 |
| Cash dividends to net income (ytd only)* | 59.2365% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0704% | 4,688 |
| Loan loss allowance to noncurrent loans | 247.7064% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.4606% | 4,276 |
| Noncurrent loans to loans | 0.4321% | 4,351 |
| Net loans and leases to total assets | 57.4006% | 4,135 |
| Net loans and leases to deposits | 70.2814% | 3,873 |
| Net loans and leases to core deposits | 78.5862% | 3,457 |
| Total domestic deposits to total assets | 81.6725% | 4,541 |
| Equity capital to assets | 9.4979% | 4,729 |
| Core capital (leverage) ratio | 8.3550% | 5,720 |
| Tier 1 risk-based capital ratio | 12.6885% | 4,925 |
| Total risk-based capital ratio | 13.6410% | 5,021 |
| Memoranda: | ||
| Average total assets | $388,234,800 | 1,686 |
| Average earning assets | $362,847,200 | 1,656 |
| Average equity | $34,892,000 | 2,004 |
| Average total loans | $229,738,600 | 1,825 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9714% | 3,872 |
| Cost of funding earning assets | 0.3258% | 4,605 |
| Net interest margin | 3.6456% | 3,240 |
| Noninterest income to average assets | 0.6720% | 2,467 |
| Noninterest expense to average assets | 2.4052% | 4,807 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.6637% | 660 |
| Return on assets (ROA) | 1.6283% | 728 |
| Pretax return on assets | 1.6389% | 1,211 |
| Return on Equity (ROE) | 18.3808% | 408 |
| Retained earnings to average equity (ytd only) | 7.6833% | 1,499 |
| Net charge-offs to loans | 0.1713% | 2,083 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 16.4424% | 1,972 |
| Efficiency ratio | 57.4850% | 5,512 |
| Assets per employee ($millions) | 5.0403% | 2,196 |
| Cash dividends to net income (ytd only)* | 58.1995% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9525% | 5,415 |
| Loan loss allowance to noncurrent loans | 245.4945% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 0.4480% | 4,558 |
| Noncurrent loans to loans | 0.3880% | 4,753 |
| Net loans and leases to total assets | 58.3406% | 4,025 |
| Net loans and leases to deposits | 70.5118% | 3,861 |
| Net loans and leases to core deposits | 78.9938% | 3,438 |
| Total domestic deposits to total assets | 82.7388% | 4,225 |
| Equity capital to assets | 8.8696% | 5,493 |
| Core capital (leverage) ratio | 8.0890% | 6,010 |
| Tier 1 risk-based capital ratio | 12.2814% | 5,314 |
| Total risk-based capital ratio | 13.1432% | 5,480 |
| Memoranda: | ||
| Average total assets | $387,480,000 | 1,699 |
| Average earning assets | $362,215,750 | 1,674 |
| Average equity | $34,324,750 | 2,036 |
| Average total loans | $230,420,250 | 1,828 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9425% | 3,964 |
| Cost of funding earning assets | 0.3356% | 4,579 |
| Net interest margin | 3.6070% | 3,336 |
| Noninterest income to average assets | 0.6923% | 2,321 |
| Noninterest expense to average assets | 2.4042% | 4,865 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.6525% | 638 |
| Return on assets (ROA) | 1.5863% | 761 |
| Pretax return on assets | 1.5931% | 1,266 |
| Return on Equity (ROE) | 17.9149% | 465 |
| Retained earnings to average equity (ytd only) | 12.4140% | 385 |
| Net charge-offs to loans | 0.1694% | 2,039 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 16.4175% | 1,794 |
| Efficiency ratio | 57.6923% | 5,594 |
| Assets per employee ($millions) | 5.1147% | 2,077 |
| Cash dividends to net income (ytd only)* | 30.7061% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9878% | 5,402 |
| Loan loss allowance to noncurrent loans | 149.3606% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 0.5041% | 4,494 |
| Noncurrent loans to loans | 0.6614% | 4,054 |
| Net loans and leases to total assets | 58.6917% | 3,899 |
| Net loans and leases to deposits | 72.2179% | 3,546 |
| Net loans and leases to core deposits | 79.6302% | 3,253 |
| Total domestic deposits to total assets | 81.2703% | 4,889 |
| Equity capital to assets | 9.0476% | 5,251 |
| Core capital (leverage) ratio | 8.1276% | 6,000 |
| Tier 1 risk-based capital ratio | 11.9685% | 5,558 |
| Total risk-based capital ratio | 12.8447% | 5,703 |
| Memoranda: | ||
| Average total assets | $383,913,000 | 1,717 |
| Average earning assets | $358,806,000 | 1,687 |
| Average equity | $33,994,000 | 2,041 |
| Average total loans | $229,048,670 | 1,834 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8824% | 4,153 |
| Cost of funding earning assets | 0.3442% | 4,597 |
| Net interest margin | 3.5382% | 3,530 |
| Noninterest income to average assets | 0.6568% | 2,420 |
| Noninterest expense to average assets | 2.4665% | 4,735 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4984% | 821 |
| Return on assets (ROA) | 1.4006% | 1,030 |
| Pretax return on assets | 1.3911% | 1,781 |
| Return on Equity (ROE) | 16.0032% | 638 |
| Retained earnings to average equity (ytd only) | 10.4057% | 877 |
| Net charge-offs to loans | -0.0976% | 6,107 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8275% | 5,288 |
| Assets per employee ($millions) | 4.8355% | 2,461 |
| Cash dividends to net income (ytd only)* | 34.9772% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1242% | 5,015 |
| Loan loss allowance to noncurrent loans | 129.6389% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 0.6393% | 4,219 |
| Noncurrent loans to loans | 0.8672% | 3,725 |
| Net loans and leases to total assets | 58.7713% | 3,730 |
| Net loans and leases to deposits | 68.9930% | 3,741 |
| Net loans and leases to core deposits | 74.9550% | 3,529 |
| Total domestic deposits to total assets | 85.1844% | 3,786 |
| Equity capital to assets | 8.8465% | 5,280 |
| Core capital (leverage) ratio | 8.1647% | 5,980 |
| Tier 1 risk-based capital ratio | 11.9274% | 5,688 |
| Total risk-based capital ratio | 12.9350% | 5,764 |
| Memoranda: | ||
| Average total assets | $376,397,500 | 1,750 |
| Average earning assets | $350,915,500 | 1,719 |
| Average equity | $32,943,500 | 2,091 |
| Average total loans | $225,331,500 | 1,861 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2067% | 3,324 |
| Cost of funding earning assets | 0.3713% | 4,934 |
| Net interest margin | 3.8355% | 2,517 |
| Noninterest income to average assets | 0.6061% | 3,058 |
| Noninterest expense to average assets | 2.5547% | 4,600 |
| Loan and lease loss provision to assets | 0.1827% | 2,020 |
| Net operating income to assets | 1.4211% | 984 |
| Return on assets (ROA) | 1.4188% | 1,025 |
| Pretax return on assets | 1.4325% | 1,678 |
| Return on Equity (ROE) | 15.5631% | 683 |
| Retained earnings to average equity (ytd only) | 5.9097% | 2,029 |
| Net charge-offs to loans | 0.2042% | 2,840 |
| Credit loss provision to net charge-offs | 142.7948% | 1,635 |
| Earnings coverage of net charge-offs (x) | 12.6441% | 2,106 |
| Efficiency ratio | 59.6800% | 5,513 |
| Assets per employee ($millions) | 4.5744% | 2,768 |
| Cash dividends to net income (ytd only)* | 62.0276% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1462% | 4,929 |
| Loan loss allowance to noncurrent loans | 103.4765% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 0.8039% | 3,872 |
| Noncurrent loans to loans | 1.1077% | 3,321 |
| Net loans and leases to total assets | 59.6241% | 3,783 |
| Net loans and leases to deposits | 70.7576% | 3,686 |
| Net loans and leases to core deposits | 76.0707% | 3,599 |
| Total domestic deposits to total assets | 84.2652% | 4,066 |
| Equity capital to assets | 8.6528% | 5,419 |
| Core capital (leverage) ratio | 8.2791% | 5,897 |
| Tier 1 risk-based capital ratio | 11.9399% | 5,647 |
| Total risk-based capital ratio | 12.9973% | 5,710 |
| Memoranda: | ||
| Average total assets | $358,039,400 | 1,807 |
| Average earning assets | $332,894,400 | 1,791 |
| Average equity | $32,641,400 | 2,103 |
| Average total loans | $224,327,200 | 1,823 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2704% | 3,110 |
| Cost of funding earning assets | 0.3757% | 5,042 |
| Net interest margin | 3.8947% | 2,294 |
| Noninterest income to average assets | 0.6489% | 2,886 |
| Noninterest expense to average assets | 2.5295% | 4,627 |
| Loan and lease loss provision to assets | 0.2449% | 1,465 |
| Net operating income to assets | 1.4823% | 927 |
| Return on assets (ROA) | 1.5001% | 941 |
| Pretax return on assets | 1.5147% | 1,566 |
| Return on Equity (ROE) | 16.2418% | 616 |
| Retained earnings to average equity (ytd only) | 6.3735% | 2,198 |
| Net charge-offs to loans | 0.3132% | 1,975 |
| Credit loss provision to net charge-offs | 123.6295% | 1,906 |
| Earnings coverage of net charge-offs (x) | 8.7920% | 2,576 |
| Efficiency ratio | 57.6977% | 5,726 |
| Assets per employee ($millions) | 4.6479% | 2,647 |
| Cash dividends to net income (ytd only)* | 60.7588% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0946% | 5,348 |
| Loan loss allowance to noncurrent loans | 61.3983% | 4,766 |
| Noncurrent assets plus other real estate owned to assets | 1.2446% | 3,150 |
| Noncurrent loans to loans | 1.7828% | 2,521 |
| Net loans and leases to total assets | 61.2869% | 3,480 |
| Net loans and leases to deposits | 73.7393% | 3,278 |
| Net loans and leases to core deposits | 78.1916% | 3,337 |
| Total domestic deposits to total assets | 83.1130% | 4,536 |
| Equity capital to assets | 8.7250% | 5,491 |
| Core capital (leverage) ratio | 8.2113% | 6,049 |
| Tier 1 risk-based capital ratio | 11.7086% | 5,943 |
| Total risk-based capital ratio | 12.6921% | 6,047 |
| Memoranda: | ||
| Average total assets | $356,061,000 | 1,830 |
| Average earning assets | $331,139,000 | 1,809 |
| Average equity | $32,885,500 | 2,108 |
| Average total loans | $225,227,500 | 1,820 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3223% | 2,861 |
| Cost of funding earning assets | 0.3776% | 5,165 |
| Net interest margin | 3.9447% | 2,064 |
| Noninterest income to average assets | 0.6420% | 2,958 |
| Noninterest expense to average assets | 2.4950% | 4,751 |
| Loan and lease loss provision to assets | 0.3696% | 885 |
| Net operating income to assets | 1.4248% | 1,030 |
| Return on assets (ROA) | 1.4936% | 979 |
| Pretax return on assets | 1.5128% | 1,579 |
| Return on Equity (ROE) | 15.8721% | 683 |
| Retained earnings to average equity (ytd only) | 5.0745% | 3,000 |
| Net charge-offs to loans | 0.4747% | 1,394 |
| Credit loss provision to net charge-offs | 122.2430% | 1,830 |
| Earnings coverage of net charge-offs (x) | 5.9963% | 2,788 |
| Efficiency ratio | 56.4082% | 5,910 |
| Assets per employee ($millions) | 4.6709% | 2,560 |
| Cash dividends to net income (ytd only)* | 68.0288% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0983% | 5,449 |
| Loan loss allowance to noncurrent loans | 53.4074% | 5,058 |
| Noncurrent assets plus other real estate owned to assets | 1.5831% | 2,739 |
| Noncurrent loans to loans | 2.0565% | 2,329 |
| Net loans and leases to total assets | 63.0537% | 3,089 |
| Net loans and leases to deposits | 76.1093% | 2,859 |
| Net loans and leases to core deposits | 79.1348% | 3,146 |
| Total domestic deposits to total assets | 82.8462% | 4,761 |
| Equity capital to assets | 8.9969% | 5,224 |
| Core capital (leverage) ratio | 8.2188% | 5,991 |
| Tier 1 risk-based capital ratio | 11.4823% | 6,120 |
| Total risk-based capital ratio | 12.4711% | 6,202 |
| Memoranda: | ||
| Average total assets | $353,903,330 | 1,842 |
| Average earning assets | $328,899,330 | 1,819 |
| Average equity | $33,303,670 | 2,093 |
| Average total loans | $225,421,670 | 1,821 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1453% | 3,533 |
| Cost of funding earning assets | 0.3837% | 5,249 |
| Net interest margin | 3.7616% | 2,606 |
| Noninterest income to average assets | 0.6646% | 2,791 |
| Noninterest expense to average assets | 2.3706% | 5,198 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.7763% | 492 |
| Return on assets (ROA) | 1.8342% | 501 |
| Pretax return on assets | 1.8476% | 809 |
| Return on Equity (ROE) | 19.0780% | 351 |
| Retained earnings to average equity (ytd only) | 10.4338% | 997 |
| Net charge-offs to loans | -0.0495% | 6,135 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4474% | 6,115 |
| Assets per employee ($millions) | 4.7834% | 2,516 |
| Cash dividends to net income (ytd only)* | 45.3096% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0536% | 5,781 |
| Loan loss allowance to noncurrent loans | 83.1690% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 1.0428% | 3,852 |
| Noncurrent loans to loans | 1.2668% | 3,660 |
| Net loans and leases to total assets | 61.8333% | 3,095 |
| Net loans and leases to deposits | 75.7509% | 2,676 |
| Net loans and leases to core deposits | 78.2819% | 3,023 |
| Total domestic deposits to total assets | 81.6272% | 5,319 |
| Equity capital to assets | 9.5733% | 4,749 |
| Core capital (leverage) ratio | 8.1588% | 5,978 |
| Tier 1 risk-based capital ratio | 11.3005% | 6,274 |
| Total risk-based capital ratio | 12.2379% | 6,384 |
| Memoranda: | ||
| Average total assets | $355,695,500 | 1,860 |
| Average earning assets | $330,496,000 | 1,832 |
| Average equity | $34,196,500 | 2,062 |
| Average total loans | $226,461,500 | 1,825 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5666% | 3,138 |
| Cost of funding earning assets | 0.4527% | 5,566 |
| Net interest margin | 4.1138% | 1,945 |
| Noninterest income to average assets | 0.6796% | 2,838 |
| Noninterest expense to average assets | 2.6795% | 4,475 |
| Loan and lease loss provision to assets | 0.3236% | 2,105 |
| Net operating income to assets | 1.4525% | 997 |
| Return on assets (ROA) | 1.5579% | 898 |
| Pretax return on assets | 1.5767% | 1,448 |
| Return on Equity (ROE) | 15.7880% | 688 |
| Retained earnings to average equity (ytd only) | 5.8117% | 2,184 |
| Net charge-offs to loans | 0.3662% | 2,802 |
| Credit loss provision to net charge-offs | 135.6250% | 2,052 |
| Earnings coverage of net charge-offs (x) | 7.5188% | 2,584 |
| Efficiency ratio | 58.3467% | 5,782 |
| Assets per employee ($millions) | 4.6399% | 2,714 |
| Cash dividends to net income (ytd only)* | 63.1891% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0204% | 5,894 |
| Loan loss allowance to noncurrent loans | 74.8077% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 1.0881% | 3,842 |
| Noncurrent loans to loans | 1.3641% | 3,552 |
| Net loans and leases to total assets | 64.2013% | 2,872 |
| Net loans and leases to deposits | 80.9065% | 2,156 |
| Net loans and leases to core deposits | 83.1900% | 2,643 |
| Total domestic deposits to total assets | 79.3525% | 5,814 |
| Equity capital to assets | 9.6554% | 4,643 |
| Core capital (leverage) ratio | 8.0297% | 6,166 |
| Tier 1 risk-based capital ratio | 10.9783% | 6,353 |
| Total risk-based capital ratio | 11.9091% | 6,456 |
| Memoranda: | ||
| Average total assets | $335,325,800 | 1,927 |
| Average earning assets | $309,225,400 | 1,915 |
| Average equity | $33,088,400 | 2,083 |
| Average total loans | $218,449,600 | 1,851 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6113% | 3,160 |
| Cost of funding earning assets | 0.4595% | 5,729 |
| Net interest margin | 4.1519% | 1,893 |
| Noninterest income to average assets | 0.7093% | 2,662 |
| Noninterest expense to average assets | 2.6078% | 4,715 |
| Loan and lease loss provision to assets | 0.2920% | 2,247 |
| Net operating income to assets | 1.6135% | 813 |
| Return on assets (ROA) | 1.7200% | 726 |
| Pretax return on assets | 1.7426% | 1,176 |
| Return on Equity (ROE) | 17.3317% | 570 |
| Retained earnings to average equity (ytd only) | 7.8906% | 1,664 |
| Net charge-offs to loans | 0.3409% | 2,748 |
| Credit loss provision to net charge-offs | 131.3406% | 2,189 |
| Earnings coverage of net charge-offs (x) | 8.6667% | 2,414 |
| Efficiency ratio | 55.9602% | 6,059 |
| Assets per employee ($millions) | 4.6765% | 2,632 |
| Cash dividends to net income (ytd only)* | 54.4732% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9914% | 6,118 |
| Loan loss allowance to noncurrent loans | 68.4746% | 4,277 |
| Noncurrent assets plus other real estate owned to assets | 1.1855% | 3,921 |
| Noncurrent loans to loans | 1.4478% | 3,634 |
| Net loans and leases to total assets | 63.2687% | 3,160 |
| Net loans and leases to deposits | 77.8694% | 2,679 |
| Net loans and leases to core deposits | 81.2691% | 3,051 |
| Total domestic deposits to total assets | 81.2497% | 5,281 |
| Equity capital to assets | 9.8000% | 4,781 |
| Core capital (leverage) ratio | 8.1391% | 6,197 |
| Tier 1 risk-based capital ratio | 11.6866% | 6,125 |
| Total risk-based capital ratio | 12.6313% | 6,267 |
| Memoranda: | ||
| Average total assets | $330,999,000 | 1,962 |
| Average earning assets | $304,980,250 | 1,959 |
| Average equity | $32,848,500 | 2,114 |
| Average total loans | $215,879,750 | 1,887 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6556% | 3,113 |
| Cost of funding earning assets | 0.4670% | 5,850 |
| Net interest margin | 4.1886% | 1,781 |
| Noninterest income to average assets | 0.7657% | 2,349 |
| Noninterest expense to average assets | 2.6577% | 4,578 |
| Loan and lease loss provision to assets | 0.2774% | 2,369 |
| Net operating income to assets | 1.6521% | 746 |
| Return on assets (ROA) | 1.7077% | 740 |
| Pretax return on assets | 1.7299% | 1,183 |
| Return on Equity (ROE) | 17.1301% | 621 |
| Retained earnings to average equity (ytd only) | 6.0234% | 2,703 |
| Net charge-offs to loans | 0.2965% | 2,838 |
| Credit loss provision to net charge-offs | 142.4051% | 1,952 |
| Earnings coverage of net charge-offs (x) | 10.0158% | 2,109 |
| Efficiency ratio | 56.1263% | 6,100 |
| Assets per employee ($millions) | 4.5217% | 2,863 |
| Cash dividends to net income (ytd only)* | 64.8375% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0008% | 6,158 |
| Loan loss allowance to noncurrent loans | 51.2081% | 5,049 |
| Noncurrent assets plus other real estate owned to assets | 1.3779% | 3,672 |
| Noncurrent loans to loans | 1.9544% | 2,997 |
| Net loans and leases to total assets | 63.6741% | 3,113 |
| Net loans and leases to deposits | 76.1824% | 2,963 |
| Net loans and leases to core deposits | 80.8825% | 3,104 |
| Total domestic deposits to total assets | 83.5811% | 4,496 |
| Equity capital to assets | 9.7663% | 4,675 |
| Core capital (leverage) ratio | 8.1514% | 6,093 |
| Tier 1 risk-based capital ratio | 11.5479% | 6,186 |
| Total risk-based capital ratio | 12.5006% | 6,347 |
| Memoranda: | ||
| Average total assets | $324,420,000 | 1,998 |
| Average earning assets | $297,665,670 | 2,000 |
| Average equity | $32,340,670 | 2,132 |
| Average total loans | $213,130,330 | 1,919 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6403% | 3,310 |
| Cost of funding earning assets | 0.4690% | 6,020 |
| Net interest margin | 4.1713% | 1,848 |
| Noninterest income to average assets | 0.8680% | 1,874 |
| Noninterest expense to average assets | 2.6480% | 4,628 |
| Loan and lease loss provision to assets | 0.3785% | 1,667 |
| Net operating income to assets | 1.6465% | 801 |
| Return on assets (ROA) | 1.6615% | 864 |
| Pretax return on assets | 1.6829% | 1,349 |
| Return on Equity (ROE) | 16.4877% | 741 |
| Retained earnings to average equity (ytd only) | 9.3518% | 1,459 |
| Net charge-offs to loans | 0.1918% | 2,962 |
| Credit loss provision to net charge-offs | 297.0297% | 999 |
| Earnings coverage of net charge-offs (x) | 16.0594% | 1,386 |
| Efficiency ratio | 54.8508% | 6,248 |
| Assets per employee ($millions) | 4.2313% | 3,519 |
| Cash dividends to net income (ytd only)* | 43.2802% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0491% | 6,082 |
| Loan loss allowance to noncurrent loans | 69.7054% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 1.5859% | 3,479 |
| Noncurrent loans to loans | 1.5050% | 3,865 |
| Net loans and leases to total assets | 65.9359% | 2,477 |
| Net loans and leases to deposits | 81.3745% | 2,010 |
| Net loans and leases to core deposits | 87.0645% | 2,172 |
| Total domestic deposits to total assets | 81.0277% | 5,598 |
| Equity capital to assets | 10.0557% | 4,057 |
| Core capital (leverage) ratio | 8.4419% | 5,689 |
| Tier 1 risk-based capital ratio | 11.1865% | 6,454 |
| Total risk-based capital ratio | 12.1473% | 6,570 |
| Memoranda: | ||
| Average total assets | $317,066,500 | 2,053 |
| Average earning assets | $290,845,500 | 2,056 |
| Average equity | $31,951,000 | 2,154 |
| Average total loans | $210,636,000 | 1,944 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9721% | 3,011 |
| Cost of funding earning assets | 0.6823% | 5,648 |
| Net interest margin | 4.2898% | 1,730 |
| Noninterest income to average assets | 0.6792% | 2,732 |
| Noninterest expense to average assets | 2.9017% | 3,952 |
| Loan and lease loss provision to assets | 0.9521% | 1,009 |
| Net operating income to assets | 0.7210% | 3,381 |
| Return on assets (ROA) | 0.7417% | 3,456 |
| Pretax return on assets | 0.7501% | 4,156 |
| Return on Equity (ROE) | 7.6464% | 3,080 |
| Retained earnings to average equity (ytd only) | 5.8240% | 2,114 |
| Net charge-offs to loans | 1.2814% | 1,291 |
| Credit loss provision to net charge-offs | 106.8360% | 3,170 |
| Earnings coverage of net charge-offs (x) | 1.8864% | 4,365 |
| Efficiency ratio | 61.6301% | 5,515 |
| Assets per employee ($millions) | 4.0591% | 3,733 |
| Cash dividends to net income (ytd only)* | 23.8330% | 3,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9899% | 6,269 |
| Loan loss allowance to noncurrent loans | 61.7169% | 4,422 |
| Noncurrent assets plus other real estate owned to assets | 1.5700% | 3,590 |
| Noncurrent loans to loans | 1.6040% | 3,757 |
| Net loans and leases to total assets | 65.5691% | 2,860 |
| Net loans and leases to deposits | 83.1355% | 2,050 |
| Net loans and leases to core deposits | 88.3655% | 2,340 |
| Total domestic deposits to total assets | 78.8702% | 6,022 |
| Equity capital to assets | 10.0991% | 4,039 |
| Core capital (leverage) ratio | 8.2823% | 5,876 |
| Tier 1 risk-based capital ratio | 11.3292% | 6,278 |
| Total risk-based capital ratio | 12.2442% | 6,440 |
| Memoranda: | ||
| Average total assets | $300,374,000 | 2,126 |
| Average earning assets | $273,347,800 | 2,144 |
| Average equity | $29,138,000 | 2,264 |
| Average total loans | $208,915,600 | 1,967 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0589% | 2,812 |
| Cost of funding earning assets | 0.7328% | 5,576 |
| Net interest margin | 4.3262% | 1,622 |
| Noninterest income to average assets | 0.6888% | 2,675 |
| Noninterest expense to average assets | 2.8717% | 4,049 |
| Loan and lease loss provision to assets | 1.0202% | 838 |
| Net operating income to assets | 0.7234% | 3,488 |
| Return on assets (ROA) | 0.7354% | 3,628 |
| Pretax return on assets | 0.7430% | 4,337 |
| Return on Equity (ROE) | 7.6639% | 3,196 |
| Retained earnings to average equity (ytd only) | 5.1825% | 3,073 |
| Net charge-offs to loans | 1.3008% | 1,187 |
| Credit loss provision to net charge-offs | 111.3558% | 2,948 |
| Earnings coverage of net charge-offs (x) | 1.9114% | 4,226 |
| Efficiency ratio | 60.4326% | 5,645 |
| Assets per employee ($millions) | 3.9500% | 3,956 |
| Cash dividends to net income (ytd only)* | 32.3780% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0022% | 6,257 |
| Loan loss allowance to noncurrent loans | 35.9986% | 5,897 |
| Noncurrent assets plus other real estate owned to assets | 2.4840% | 2,595 |
| Noncurrent loans to loans | 2.7839% | 2,502 |
| Net loans and leases to total assets | 68.1401% | 2,454 |
| Net loans and leases to deposits | 82.3339% | 2,295 |
| Net loans and leases to core deposits | 89.2325% | 2,332 |
| Total domestic deposits to total assets | 82.7606% | 4,775 |
| Equity capital to assets | 10.1395% | 4,168 |
| Core capital (leverage) ratio | 8.1046% | 6,276 |
| Tier 1 risk-based capital ratio | 11.1842% | 6,440 |
| Total risk-based capital ratio | 12.1333% | 6,593 |
| Memoranda: | ||
| Average total assets | $297,329,000 | 2,155 |
| Average earning assets | $270,379,000 | 2,173 |
| Average equity | $28,531,250 | 2,301 |
| Average total loans | $209,397,500 | 1,980 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0911% | 2,725 |
| Cost of funding earning assets | 0.7920% | 5,434 |
| Net interest margin | 4.2991% | 1,660 |
| Noninterest income to average assets | 0.7056% | 2,521 |
| Noninterest expense to average assets | 2.8340% | 4,296 |
| Loan and lease loss provision to assets | 1.0337% | 828 |
| Net operating income to assets | 0.7329% | 3,373 |
| Return on assets (ROA) | 0.7490% | 3,418 |
| Pretax return on assets | 0.7578% | 4,181 |
| Return on Equity (ROE) | 7.9605% | 2,960 |
| Retained earnings to average equity (ytd only) | 7.9605% | 1,475 |
| Net charge-offs to loans | 1.3934% | 1,089 |
| Credit loss provision to net charge-offs | 104.5236% | 2,956 |
| Earnings coverage of net charge-offs (x) | 1.7951% | 3,969 |
| Efficiency ratio | 59.7941% | 5,905 |
| Assets per employee ($millions) | 3.7398% | 4,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9185% | 6,605 |
| Loan loss allowance to noncurrent loans | 39.0067% | 5,719 |
| Noncurrent assets plus other real estate owned to assets | 2.2438% | 2,922 |
| Noncurrent loans to loans | 2.3547% | 3,039 |
| Net loans and leases to total assets | 68.7987% | 2,456 |
| Net loans and leases to deposits | 85.5685% | 1,850 |
| Net loans and leases to core deposits | 91.8409% | 2,157 |
| Total domestic deposits to total assets | 80.4018% | 5,709 |
| Equity capital to assets | 9.6354% | 4,620 |
| Core capital (leverage) ratio | 8.4955% | 5,561 |
| Tier 1 risk-based capital ratio | 11.2143% | 6,372 |
| Total risk-based capital ratio | 12.0929% | 6,599 |
| Memoranda: | ||
| Average total assets | $295,056,330 | 2,177 |
| Average earning assets | $267,917,330 | 2,196 |
| Average equity | $27,762,000 | 2,333 |
| Average total loans | $209,415,330 | 2,004 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1778% | 2,313 |
| Cost of funding earning assets | 0.8503% | 5,269 |
| Net interest margin | 4.3275% | 1,477 |
| Noninterest income to average assets | 0.7392% | 2,323 |
| Noninterest expense to average assets | 2.7178% | 4,765 |
| Loan and lease loss provision to assets | 1.6144% | 377 |
| Net operating income to assets | 0.3201% | 5,311 |
| Return on assets (ROA) | 0.3201% | 5,389 |
| Pretax return on assets | 0.3229% | 5,588 |
| Return on Equity (ROE) | 3.4456% | 5,170 |
| Retained earnings to average equity (ytd only) | 3.4456% | 4,123 |
| Net charge-offs to loans | 1.7765% | 733 |
| Credit loss provision to net charge-offs | 126.6164% | 2,175 |
| Earnings coverage of net charge-offs (x) | 1.5194% | 3,571 |
| Efficiency ratio | 56.7001% | 6,421 |
| Assets per employee ($millions) | 3.7191% | 4,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0067% | 6,371 |
| Loan loss allowance to noncurrent loans | 51.9037% | 4,896 |
| Noncurrent assets plus other real estate owned to assets | 2.0489% | 3,260 |
| Noncurrent loans to loans | 1.9396% | 3,649 |
| Net loans and leases to total assets | 70.7159% | 1,977 |
| Net loans and leases to deposits | 86.6044% | 1,637 |
| Net loans and leases to core deposits | 94.7290% | 1,801 |
| Total domestic deposits to total assets | 81.6539% | 5,436 |
| Equity capital to assets | 9.2617% | 4,796 |
| Core capital (leverage) ratio | 8.1920% | 5,979 |
| Tier 1 risk-based capital ratio | 10.6693% | 6,710 |
| Total risk-based capital ratio | 11.6192% | 6,859 |
| Memoranda: | ||
| Average total assets | $291,121,500 | 2,219 |
| Average earning assets | $263,432,500 | 2,246 |
| Average equity | $27,049,000 | 2,372 |
| Average total loans | $208,952,500 | 2,022 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3327% | 2,969 |
| Cost of funding earning assets | 1.1028% | 5,123 |
| Net interest margin | 4.2298% | 2,060 |
| Noninterest income to average assets | 0.6562% | 3,111 |
| Noninterest expense to average assets | 3.0170% | 3,783 |
| Loan and lease loss provision to assets | 0.5221% | 3,062 |
| Net operating income to assets | 0.9249% | 2,298 |
| Return on assets (ROA) | 1.1269% | 1,697 |
| Pretax return on assets | 1.1384% | 2,438 |
| Return on Equity (ROE) | 11.9125% | 1,332 |
| Retained earnings to average equity (ytd only) | 7.7172% | 1,073 |
| Net charge-offs to loans | 0.9606% | 2,256 |
| Credit loss provision to net charge-offs | 75.0126% | 5,732 |
| Earnings coverage of net charge-offs (x) | 2.0925% | 4,151 |
| Efficiency ratio | 65.6262% | 5,039 |
| Assets per employee ($millions) | 3.5609% | 4,801 |
| Cash dividends to net income (ytd only)* | 35.2174% | 2,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8970% | 6,733 |
| Loan loss allowance to noncurrent loans | 59.9037% | 4,435 |
| Noncurrent assets plus other real estate owned to assets | 1.7564% | 3,672 |
| Noncurrent loans to loans | 1.4974% | 4,230 |
| Net loans and leases to total assets | 71.4744% | 2,206 |
| Net loans and leases to deposits | 93.0911% | 1,137 |
| Net loans and leases to core deposits | 100.7270% | 1,557 |
| Total domestic deposits to total assets | 76.7789% | 6,515 |
| Equity capital to assets | 9.3214% | 4,659 |
| Core capital (leverage) ratio | 8.1845% | 5,855 |
| Tier 1 risk-based capital ratio | 10.2281% | 6,859 |
| Total risk-based capital ratio | 11.0423% | 7,052 |
| Memoranda: | ||
| Average total assets | $285,747,400 | 2,242 |
| Average earning assets | $257,882,200 | 2,275 |
| Average equity | $27,030,400 | 2,376 |
| Average total loans | $207,056,800 | 2,094 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3809% | 2,967 |
| Cost of funding earning assets | 1.1468% | 5,171 |
| Net interest margin | 4.2340% | 2,093 |
| Noninterest income to average assets | 0.6010% | 3,432 |
| Noninterest expense to average assets | 2.9531% | 3,914 |
| Loan and lease loss provision to assets | 0.3704% | 3,674 |
| Net operating income to assets | 1.0806% | 1,963 |
| Return on assets (ROA) | 1.2894% | 1,441 |
| Pretax return on assets | 1.3063% | 2,152 |
| Return on Equity (ROE) | 13.5810% | 1,129 |
| Retained earnings to average equity (ytd only) | 8.9801% | 1,058 |
| Net charge-offs to loans | 0.3933% | 3,716 |
| Credit loss provision to net charge-offs | 129.8361% | 3,119 |
| Earnings coverage of net charge-offs (x) | 5.1377% | 2,836 |
| Efficiency ratio | 64.9873% | 5,054 |
| Assets per employee ($millions) | 3.6233% | 4,681 |
| Cash dividends to net income (ytd only)* | 33.8773% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9783% | 6,486 |
| Loan loss allowance to noncurrent loans | 115.0975% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 1.3045% | 4,538 |
| Noncurrent loans to loans | 0.8500% | 5,521 |
| Net loans and leases to total assets | 73.0566% | 2,007 |
| Net loans and leases to deposits | 90.7948% | 1,608 |
| Net loans and leases to core deposits | 101.8424% | 1,671 |
| Total domestic deposits to total assets | 80.4634% | 5,555 |
| Equity capital to assets | 9.9938% | 4,166 |
| Core capital (leverage) ratio | 8.0933% | 6,208 |
| Tier 1 risk-based capital ratio | 10.0640% | 7,030 |
| Total risk-based capital ratio | 10.9634% | 7,175 |
| Memoranda: | ||
| Average total assets | $285,076,250 | 2,278 |
| Average earning assets | $257,053,250 | 2,313 |
| Average equity | $27,066,500 | 2,405 |
| Average total loans | $206,815,750 | 2,123 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2809% | 3,557 |
| Cost of funding earning assets | 1.1728% | 5,275 |
| Net interest margin | 4.1081% | 2,516 |
| Noninterest income to average assets | 0.7159% | 2,615 |
| Noninterest expense to average assets | 3.0012% | 3,706 |
| Loan and lease loss provision to assets | 0.5564% | 2,546 |
| Net operating income to assets | 0.8483% | 2,738 |
| Return on assets (ROA) | 1.0257% | 2,177 |
| Pretax return on assets | 1.0383% | 2,984 |
| Return on Equity (ROE) | 10.9967% | 1,759 |
| Retained earnings to average equity (ytd only) | 3.9618% | 3,557 |
| Net charge-offs to loans | 0.5113% | 2,997 |
| Credit loss provision to net charge-offs | 150.8571% | 2,602 |
| Earnings coverage of net charge-offs (x) | 3.8381% | 3,161 |
| Efficiency ratio | 66.1206% | 4,961 |
| Assets per employee ($millions) | 3.5652% | 4,769 |
| Cash dividends to net income (ytd only)* | 63.9726% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0100% | 6,356 |
| Loan loss allowance to noncurrent loans | 119.1690% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 1.5707% | 4,102 |
| Noncurrent loans to loans | 0.8475% | 5,573 |
| Net loans and leases to total assets | 73.0052% | 2,169 |
| Net loans and leases to deposits | 90.3553% | 1,799 |
| Net loans and leases to core deposits | 104.7083% | 1,566 |
| Total domestic deposits to total assets | 80.7980% | 5,475 |
| Equity capital to assets | 9.3576% | 4,920 |
| Core capital (leverage) ratio | 7.9230% | 6,360 |
| Tier 1 risk-based capital ratio | 9.3160% | 7,330 |
| Total risk-based capital ratio | 10.2368% | 7,429 |
| Memoranda: | ||
| Average total assets | $284,689,330 | 2,303 |
| Average earning assets | $256,469,330 | 2,341 |
| Average equity | $26,553,330 | 2,447 |
| Average total loans | $205,360,670 | 2,167 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1744% | 4,163 |
| Cost of funding earning assets | 1.2147% | 5,315 |
| Net interest margin | 3.9598% | 3,056 |
| Noninterest income to average assets | 0.7642% | 2,212 |
| Noninterest expense to average assets | 3.0569% | 3,450 |
| Loan and lease loss provision to assets | 0.4104% | 2,908 |
| Net operating income to assets | 0.8557% | 2,729 |
| Return on assets (ROA) | 1.0855% | 1,958 |
| Pretax return on assets | 1.0954% | 2,745 |
| Return on Equity (ROE) | 11.6572% | 1,596 |
| Retained earnings to average equity (ytd only) | 7.2801% | 2,020 |
| Net charge-offs to loans | 0.2957% | 3,232 |
| Credit loss provision to net charge-offs | 194.6309% | 1,905 |
| Earnings coverage of net charge-offs (x) | 6.0403% | 2,294 |
| Efficiency ratio | 68.7255% | 4,568 |
| Assets per employee ($millions) | 3.4052% | 5,276 |
| Cash dividends to net income (ytd only)* | 37.5489% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9940% | 6,499 |
| Loan loss allowance to noncurrent loans | 101.9637% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 1.6043% | 4,087 |
| Noncurrent loans to loans | 0.9749% | 5,379 |
| Net loans and leases to total assets | 73.1233% | 2,170 |
| Net loans and leases to deposits | 86.5192% | 2,502 |
| Net loans and leases to core deposits | 102.7798% | 1,837 |
| Total domestic deposits to total assets | 84.5169% | 3,886 |
| Equity capital to assets | 9.6138% | 4,360 |
| Core capital (leverage) ratio | 7.7695% | 6,540 |
| Tier 1 risk-based capital ratio | 9.7341% | 7,192 |
| Total risk-based capital ratio | 10.6469% | 7,354 |
| Memoranda: | ||
| Average total assets | $282,643,000 | 2,372 |
| Average earning assets | $254,558,500 | 2,402 |
| Average equity | $26,318,500 | 2,485 |
| Average total loans | $201,552,500 | 2,264 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4074% | 4,669 |
| Cost of funding earning assets | 1.6781% | 4,625 |
| Net interest margin | 3.7293% | 4,003 |
| Noninterest income to average assets | 0.5654% | 3,903 |
| Noninterest expense to average assets | 2.6155% | 5,740 |
| Loan and lease loss provision to assets | 0.3350% | 4,796 |
| Net operating income to assets | 1.0042% | 1,827 |
| Return on assets (ROA) | 1.1149% | 1,508 |
| Pretax return on assets | 1.1232% | 2,180 |
| Return on Equity (ROE) | 12.4127% | 1,071 |
| Retained earnings to average equity (ytd only) | 7.3540% | 858 |
| Net charge-offs to loans | 0.6179% | 3,358 |
| Credit loss provision to net charge-offs | 81.1720% | 6,261 |
| Earnings coverage of net charge-offs (x) | 3.2622% | 3,428 |
| Efficiency ratio | 65.7861% | 5,432 |
| Assets per employee ($millions) | 3.6183% | 4,739 |
| Cash dividends to net income (ytd only)* | 40.7539% | 2,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9449% | 6,652 |
| Loan loss allowance to noncurrent loans | 66.0126% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 1.6213% | 3,935 |
| Noncurrent loans to loans | 1.4314% | 4,529 |
| Net loans and leases to total assets | 68.2315% | 3,652 |
| Net loans and leases to deposits | 79.8972% | 4,017 |
| Net loans and leases to core deposits | 105.8985% | 3,351 |
| Total domestic deposits to total assets | 85.3992% | 3,362 |
| Equity capital to assets | 9.0236% | 5,109 |
| Core capital (leverage) ratio | 8.2871% | 5,646 |
| Tier 1 risk-based capital ratio | 9.4615% | 7,253 |
| Total risk-based capital ratio | 10.3056% | 7,467 |
| Memoranda: | ||
| Average total assets | $252,227,800 | 2,586 |
| Average earning assets | $229,721,400 | 2,602 |
| Average equity | $22,654,200 | 2,869 |
| Average total loans | $168,468,800 | 2,642 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5102% | 4,367 |
| Cost of funding earning assets | 1.8075% | 4,353 |
| Net interest margin | 3.7027% | 4,056 |
| Noninterest income to average assets | 0.5511% | 4,066 |
| Noninterest expense to average assets | 2.5528% | 5,886 |
| Loan and lease loss provision to assets | 0.1811% | 5,554 |
| Net operating income to assets | 1.1933% | 1,482 |
| Return on assets (ROA) | 1.2564% | 1,390 |
| Pretax return on assets | 1.2629% | 2,073 |
| Return on Equity (ROE) | 14.0075% | 928 |
| Retained earnings to average equity (ytd only) | 7.6188% | 1,253 |
| Net charge-offs to loans | 0.0929% | 5,749 |
| Credit loss provision to net charge-offs | 294.6429% | 1,406 |
| Earnings coverage of net charge-offs (x) | 22.4553% | 1,156 |
| Efficiency ratio | 64.9037% | 5,567 |
| Assets per employee ($millions) | 3.9805% | 3,772 |
| Cash dividends to net income (ytd only)* | 45.6096% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3097% | 4,442 |
| Loan loss allowance to noncurrent loans | 63.9810% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 2.2024% | 3,093 |
| Noncurrent loans to loans | 2.0471% | 3,571 |
| Net loans and leases to total assets | 68.9592% | 3,716 |
| Net loans and leases to deposits | 86.4711% | 3,233 |
| Net loans and leases to core deposits | 123.9818% | 1,899 |
| Total domestic deposits to total assets | 79.7482% | 5,546 |
| Equity capital to assets | 8.6792% | 5,990 |
| Core capital (leverage) ratio | 7.6472% | 6,803 |
| Tier 1 risk-based capital ratio | 9.5515% | 7,334 |
| Total risk-based capital ratio | 10.7215% | 7,355 |
| Memoranda: | ||
| Average total assets | $242,919,000 | 2,702 |
| Average earning assets | $221,885,500 | 2,702 |
| Average equity | $21,787,750 | 3,000 |
| Average total loans | $160,738,750 | 2,775 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4621% | 4,834 |
| Cost of funding earning assets | 1.9120% | 4,204 |
| Net interest margin | 3.5501% | 4,570 |
| Noninterest income to average assets | 0.6359% | 3,440 |
| Noninterest expense to average assets | 2.5135% | 6,078 |
| Loan and lease loss provision to assets | 0.2247% | 4,783 |
| Net operating income to assets | 1.1341% | 1,651 |
| Return on assets (ROA) | 1.1877% | 1,595 |
| Pretax return on assets | 1.1985% | 2,305 |
| Return on Equity (ROE) | 13.0945% | 1,161 |
| Retained earnings to average equity (ytd only) | 8.7725% | 990 |
| Net charge-offs to loans | 0.1591% | 4,606 |
| Credit loss provision to net charge-offs | 217.7419% | 2,114 |
| Earnings coverage of net charge-offs (x) | 13.2661% | 1,752 |
| Efficiency ratio | 64.7374% | 5,766 |
| Assets per employee ($millions) | 3.9254% | 3,827 |
| Cash dividends to net income (ytd only)* | 33.0063% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3311% | 4,089 |
| Loan loss allowance to noncurrent loans | 126.2919% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 1.4092% | 4,142 |
| Noncurrent loans to loans | 1.0540% | 5,107 |
| Net loans and leases to total assets | 66.6606% | 4,424 |
| Net loans and leases to deposits | 85.3263% | 3,676 |
| Net loans and leases to core deposits | 120.5136% | 2,321 |
| Total domestic deposits to total assets | 78.1243% | 6,040 |
| Equity capital to assets | 8.8349% | 5,547 |
| Core capital (leverage) ratio | 8.0084% | 6,316 |
| Tier 1 risk-based capital ratio | 10.2707% | 6,628 |
| Total risk-based capital ratio | 11.4447% | 6,649 |
| Memoranda: | ||
| Average total assets | $240,301,000 | 2,745 |
| Average earning assets | $219,769,000 | 2,744 |
| Average equity | $21,795,330 | 2,998 |
| Average total loans | $155,909,670 | 2,891 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4018% | 5,418 |
| Cost of funding earning assets | 2.0576% | 3,835 |
| Net interest margin | 3.3443% | 5,346 |
| Noninterest income to average assets | 0.7263% | 2,726 |
| Noninterest expense to average assets | 2.2196% | 6,806 |
| Loan and lease loss provision to assets | 0.0507% | 6,333 |
| Net operating income to assets | 1.5000% | 936 |
| Return on assets (ROA) | 1.5000% | 1,007 |
| Pretax return on assets | 1.5118% | 1,635 |
| Return on Equity (ROE) | 16.3172% | 772 |
| Retained earnings to average equity (ytd only) | 16.3172% | 311 |
| Net charge-offs to loans | 0.2368% | 3,223 |
| Credit loss provision to net charge-offs | 33.7079% | 4,906 |
| Earnings coverage of net charge-offs (x) | 10.3933% | 1,956 |
| Efficiency ratio | 58.6869% | 6,593 |
| Assets per employee ($millions) | 4.1402% | 3,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3395% | 3,857 |
| Loan loss allowance to noncurrent loans | 137.5341% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 1.3293% | 4,005 |
| Noncurrent loans to loans | 0.9740% | 5,049 |
| Net loans and leases to total assets | 61.9267% | 5,345 |
| Net loans and leases to deposits | 74.0927% | 5,466 |
| Net loans and leases to core deposits | 113.9957% | 3,009 |
| Total domestic deposits to total assets | 83.5801% | 3,887 |
| Equity capital to assets | 9.1563% | 5,142 |
| Core capital (leverage) ratio | 8.3965% | 5,721 |
| Tier 1 risk-based capital ratio | 11.2325% | 5,663 |
| Total risk-based capital ratio | 12.4022% | 5,675 |
| Memoranda: | ||
| Average total assets | $236,800,500 | 2,804 |
| Average earning assets | $216,370,500 | 2,804 |
| Average equity | $21,768,500 | 3,006 |
| Average total loans | $150,326,000 | 3,003 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1514% | 4,772 |
| Cost of funding earning assets | 2.9407% | 2,095 |
| Net interest margin | 3.2107% | 6,338 |
| Noninterest income to average assets | 0.5816% | 3,994 |
| Noninterest expense to average assets | 2.4464% | 6,226 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.0410% | 2,399 |
| Return on assets (ROA) | 1.0900% | 2,100 |
| Pretax return on assets | 1.0973% | 3,032 |
| Return on Equity (ROE) | 11.1773% | 1,852 |
| Retained earnings to average equity (ytd only) | 1.4774% | 4,338 |
| Net charge-offs to loans | -0.3349% | 8,201 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0125% | 4,350 |
| Assets per employee ($millions) | 4.0960% | 3,317 |
| Cash dividends to net income (ytd only)* | 86.7824% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3860% | 3,280 |
| Loan loss allowance to noncurrent loans | 191.3444% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 1.2066% | 3,832 |
| Noncurrent loans to loans | 0.7243% | 5,222 |
| Net loans and leases to total assets | 63.3271% | 5,397 |
| Net loans and leases to deposits | 79.1472% | 5,175 |
| Net loans and leases to core deposits | 117.9731% | 2,890 |
| Total domestic deposits to total assets | 80.0117% | 5,022 |
| Equity capital to assets | 9.2302% | 5,032 |
| Core capital (leverage) ratio | 8.3054% | 5,938 |
| Tier 1 risk-based capital ratio | 10.8595% | 5,853 |
| Total risk-based capital ratio | 12.0793% | 5,788 |
| Memoranda: | ||
| Average total assets | $206,143,600 | 3,053 |
| Average earning assets | $186,998,400 | 3,085 |
| Average equity | $20,103,200 | 3,215 |
| Average total loans | $129,292,800 | 3,283 |