Home > Riverview Bank > Performance and Condition Ratios
Riverview 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 | 4.1962% | 4,171 |
| Cost of funding earning assets | 1.4014% | 3,409 |
| Net interest margin | 2.7947% | 3,713 |
| Noninterest income to average assets | 0.9900% | 582 |
| Noninterest expense to average assets | 3.0291% | 1,090 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.4102% | 3,715 |
| Return on assets (ROA) | 0.4102% | 3,741 |
| Pretax return on assets | 0.5186% | 3,688 |
| Return on Equity (ROE) | 3.4900% | 3,786 |
| Retained earnings to average equity (ytd only) | 1.9092% | 3,340 |
| Net charge-offs to loans | -0.0084% | 3,864 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 85.1943% | 682 |
| Assets per employee ($millions) | 6.3490% | 2,687 |
| Cash dividends to net income (ytd only)* | 45.2489% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4470% | 1,158 |
| Loan loss allowance to noncurrent loans | 9,918.7097% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0103% | 3,692 |
| Noncurrent loans to loans | 0.0146% | 3,659 |
| Net loans and leases to total assets | 69.3000% | 1,917 |
| Net loans and leases to deposits | 84.4742% | 1,645 |
| Net loans and leases to core deposits | 88.6171% | 2,140 |
| Total domestic deposits to total assets | 82.0300% | 3,307 |
| Equity capital to assets | 11.8333% | 1,301 |
| Core capital (leverage) ratio | 11.1027% | 1,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4804% | 1,157 |
| Memoranda: | ||
| Average total assets | $1,508,577,000 | 740 |
| Average earning assets | $1,381,737,500 | 738 |
| Average equity | $177,459,000 | 647 |
| Average total loans | $1,053,784,500 | 738 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1688% | 4,179 |
| Cost of funding earning assets | 1.4863% | 3,367 |
| Net interest margin | 2.6825% | 3,642 |
| Noninterest income to average assets | 0.8900% | 770 |
| Noninterest expense to average assets | 2.9946% | 1,153 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.3173% | 3,822 |
| Return on assets (ROA) | 0.1578% | 4,058 |
| Pretax return on assets | 0.1761% | 4,058 |
| Return on Equity (ROE) | 1.3900% | 4,065 |
| Retained earnings to average equity (ytd only) | -0.7722% | 4,069 |
| Net charge-offs to loans | 0.0105% | 2,528 |
| Credit loss provision to net charge-offs | 91.7431% | 2,008 |
| Earnings coverage of net charge-offs (x) | 49.9908% | 1,213 |
| Efficiency ratio | 89.2295% | 540 |
| Assets per employee ($millions) | 6.7842% | 2,311 |
| Cash dividends to net income (ytd only)* | 155.4778% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4689% | 1,097 |
| Loan loss allowance to noncurrent loans | 3,280.3419% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.0311% | 3,463 |
| Noncurrent loans to loans | 0.0448% | 3,428 |
| Net loans and leases to total assets | 68.3700% | 2,097 |
| Net loans and leases to deposits | 83.9825% | 1,782 |
| Net loans and leases to core deposits | 88.8961% | 2,190 |
| Total domestic deposits to total assets | 81.4100% | 3,338 |
| Equity capital to assets | 11.6931% | 1,292 |
| Core capital (leverage) ratio | 10.8609% | 2,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4667% | 1,163 |
| Memoranda: | ||
| Average total assets | $1,539,079,200 | 723 |
| Average earning assets | $1,409,603,800 | 716 |
| Average equity | $174,442,200 | 636 |
| Average total loans | $1,038,672,600 | 734 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1051% | 4,224 |
| Cost of funding earning assets | 1.4783% | 3,398 |
| Net interest margin | 2.6268% | 3,728 |
| Noninterest income to average assets | 0.9000% | 727 |
| Noninterest expense to average assets | 3.0119% | 1,101 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.3070% | 3,851 |
| Return on assets (ROA) | 0.0719% | 4,180 |
| Pretax return on assets | 0.0581% | 4,190 |
| Return on Equity (ROE) | 0.6400% | 4,177 |
| Retained earnings to average equity (ytd only) | -1.9276% | 4,199 |
| Net charge-offs to loans | -0.0006% | 3,605 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 90.9060% | 501 |
| Assets per employee ($millions) | 6.8394% | 2,246 |
| Cash dividends to net income (ytd only)* | 401.6787% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4577% | 1,163 |
| Loan loss allowance to noncurrent loans | 3,436.8889% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.0291% | 3,548 |
| Noncurrent loans to loans | 0.0424% | 3,501 |
| Net loans and leases to total assets | 67.6400% | 2,129 |
| Net loans and leases to deposits | 83.8538% | 1,832 |
| Net loans and leases to core deposits | 88.7945% | 2,233 |
| Total domestic deposits to total assets | 80.6600% | 3,367 |
| Equity capital to assets | 11.4783% | 1,489 |
| Core capital (leverage) ratio | 10.7207% | 2,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1350% | 1,268 |
| Memoranda: | ||
| Average total assets | $1,547,324,000 | 713 |
| Average earning assets | $1,417,130,000 | 706 |
| Average equity | $174,025,250 | 632 |
| Average total loans | $1,037,063,500 | 732 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0449% | 4,251 |
| Cost of funding earning assets | 1.4449% | 3,403 |
| Net interest margin | 2.6000% | 3,744 |
| Noninterest income to average assets | 0.8500% | 792 |
| Noninterest expense to average assets | 3.1309% | 915 |
| Loan and lease loss provision to assets | -0.0100% | 4,151 |
| Net operating income to assets | 0.1266% | 4,094 |
| Return on assets (ROA) | -0.1520% | 4,352 |
| Pretax return on assets | -0.2434% | 4,361 |
| Return on Equity (ROE) | -1.3600% | 4,325 |
| Retained earnings to average equity (ytd only) | -4.7440% | 4,303 |
| Net charge-offs to loans | -0.0006% | 3,522 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 96.5808% | 357 |
| Assets per employee ($millions) | 7.1102% | 2,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4701% | 1,161 |
| Loan loss allowance to noncurrent loans | 3,332.7549% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.0300% | 3,512 |
| Noncurrent loans to loans | 0.0441% | 3,455 |
| Net loans and leases to total assets | 67.0500% | 2,233 |
| Net loans and leases to deposits | 83.7471% | 1,856 |
| Net loans and leases to core deposits | 88.0988% | 2,261 |
| Total domestic deposits to total assets | 80.0600% | 3,433 |
| Equity capital to assets | 11.2080% | 1,471 |
| Core capital (leverage) ratio | 10.6707% | 2,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1813% | 1,226 |
| Memoranda: | ||
| Average total assets | $1,547,861,667 | 716 |
| Average earning assets | $1,418,537,333 | 706 |
| Average equity | $172,893,000 | 640 |
| Average total loans | $1,029,092,333 | 741 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0126% | 4,248 |
| Cost of funding earning assets | 1.4609% | 3,288 |
| Net interest margin | 2.5517% | 3,787 |
| Noninterest income to average assets | 0.8000% | 824 |
| Noninterest expense to average assets | 3.3887% | 648 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | -0.1128% | 4,344 |
| Return on assets (ROA) | -0.6677% | 4,475 |
| Pretax return on assets | -0.9473% | 4,498 |
| Return on Equity (ROE) | -5.9900% | 4,439 |
| Retained earnings to average equity (ytd only) | -11.7595% | 4,338 |
| Net charge-offs to loans | -0.0012% | 3,457 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 107.5657% | 211 |
| Assets per employee ($millions) | 6.7225% | 2,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5004% | 1,077 |
| Loan loss allowance to noncurrent loans | 8,631.4607% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.0117% | 3,726 |
| Noncurrent loans to loans | 0.0174% | 3,665 |
| Net loans and leases to total assets | 66.3900% | 2,194 |
| Net loans and leases to deposits | 81.2233% | 1,951 |
| Net loans and leases to core deposits | 85.0356% | 2,377 |
| Total domestic deposits to total assets | 81.7400% | 3,229 |
| Equity capital to assets | 11.2809% | 1,395 |
| Core capital (leverage) ratio | 10.2862% | 2,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3160% | 1,208 |
| Memoranda: | ||
| Average total assets | $1,553,888,000 | 720 |
| Average earning assets | $1,424,598,500 | 716 |
| Average equity | $173,273,000 | 638 |
| Average total loans | $1,021,106,000 | 747 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8623% | 4,113 |
| Cost of funding earning assets | 0.8798% | 3,564 |
| Net interest margin | 2.9825% | 3,326 |
| Noninterest income to average assets | 0.7900% | 968 |
| Noninterest expense to average assets | 2.5449% | 2,171 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.7145% | 3,152 |
| Return on assets (ROA) | 0.7145% | 3,133 |
| Pretax return on assets | 0.9302% | 2,873 |
| Return on Equity (ROE) | 6.5400% | 3,406 |
| Retained earnings to average equity (ytd only) | -0.0912% | 4,093 |
| Net charge-offs to loans | -0.0011% | 3,612 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 72.0530% | 1,655 |
| Assets per employee ($millions) | 6.9977% | 2,076 |
| Cash dividends to net income (ytd only)* | 101.3931% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5086% | 1,024 |
| Loan loss allowance to noncurrent loans | 8,258.6022% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.0117% | 3,693 |
| Noncurrent loans to loans | 0.0183% | 3,615 |
| Net loans and leases to total assets | 63.1300% | 2,557 |
| Net loans and leases to deposits | 81.6455% | 1,976 |
| Net loans and leases to core deposits | 85.2632% | 2,356 |
| Total domestic deposits to total assets | 77.3200% | 3,808 |
| Equity capital to assets | 11.0266% | 1,471 |
| Core capital (leverage) ratio | 10.5369% | 2,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6735% | 1,141 |
| Memoranda: | ||
| Average total assets | $1,587,367,800 | 687 |
| Average earning assets | $1,456,520,000 | 682 |
| Average equity | $173,320,600 | 607 |
| Average total loans | $1,012,720,000 | 718 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8420% | 4,069 |
| Cost of funding earning assets | 0.7696% | 3,604 |
| Net interest margin | 3.0724% | 3,196 |
| Noninterest income to average assets | 0.7900% | 971 |
| Noninterest expense to average assets | 2.5113% | 2,204 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.7926% | 3,043 |
| Return on assets (ROA) | 0.7926% | 3,044 |
| Pretax return on assets | 1.0379% | 2,748 |
| Return on Equity (ROE) | 7.2800% | 3,352 |
| Retained earnings to average equity (ytd only) | 2.2638% | 3,676 |
| Net charge-offs to loans | 0.0005% | 2,644 |
| Credit loss provision to net charge-offs | 18,750.0000% | 15 |
| Earnings coverage of net charge-offs (x) | 3,276.2500% | 30 |
| Efficiency ratio | 69.3288% | 1,866 |
| Assets per employee ($millions) | 6.8779% | 2,049 |
| Cash dividends to net income (ytd only)* | 68.8924% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5110% | 1,081 |
| Loan loss allowance to noncurrent loans | 7,750.5051% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.0125% | 3,721 |
| Noncurrent loans to loans | 0.0195% | 3,626 |
| Net loans and leases to total assets | 63.2300% | 2,538 |
| Net loans and leases to deposits | 80.1716% | 2,032 |
| Net loans and leases to core deposits | 83.4255% | 2,363 |
| Total domestic deposits to total assets | 78.8700% | 3,716 |
| Equity capital to assets | 10.8738% | 1,396 |
| Core capital (leverage) ratio | 10.7402% | 2,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9090% | 1,119 |
| Memoranda: | ||
| Average total assets | $1,587,089,500 | 688 |
| Average earning assets | $1,456,731,000 | 682 |
| Average equity | $172,861,750 | 603 |
| Average total loans | $1,011,350,250 | 719 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8287% | 3,986 |
| Cost of funding earning assets | 0.6526% | 3,620 |
| Net interest margin | 3.1762% | 3,047 |
| Noninterest income to average assets | 0.7700% | 930 |
| Noninterest expense to average assets | 2.4970% | 2,216 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 0.8279% | 2,993 |
| Return on assets (ROA) | 0.8279% | 3,004 |
| Pretax return on assets | 1.0942% | 2,664 |
| Return on Equity (ROE) | 7.6000% | 3,341 |
| Retained earnings to average equity (ytd only) | 0.0889% | 4,056 |
| Net charge-offs to loans | 0.0014% | 2,350 |
| Credit loss provision to net charge-offs | 10,714.2857% | 48 |
| Earnings coverage of net charge-offs (x) | 1,348.8571% | 107 |
| Efficiency ratio | 67.5593% | 2,036 |
| Assets per employee ($millions) | 6.9966% | 1,930 |
| Cash dividends to net income (ytd only)* | 98.8293% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5276% | 1,101 |
| Loan loss allowance to noncurrent loans | 1,496.8780% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.0648% | 3,121 |
| Noncurrent loans to loans | 0.1021% | 2,979 |
| Net loans and leases to total assets | 62.5500% | 2,521 |
| Net loans and leases to deposits | 78.9963% | 2,046 |
| Net loans and leases to core deposits | 81.9984% | 2,336 |
| Total domestic deposits to total assets | 79.1800% | 3,695 |
| Equity capital to assets | 10.8988% | 1,429 |
| Core capital (leverage) ratio | 10.5378% | 2,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8168% | 1,151 |
| Memoranda: | ||
| Average total assets | $1,588,813,000 | 678 |
| Average earning assets | $1,459,498,667 | 677 |
| Average equity | $173,144,333 | 596 |
| Average total loans | $1,009,925,333 | 705 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8177% | 3,826 |
| Cost of funding earning assets | 0.4525% | 3,831 |
| Net interest margin | 3.3652% | 2,721 |
| Noninterest income to average assets | 0.7000% | 1,089 |
| Noninterest expense to average assets | 2.4812% | 2,293 |
| Loan and lease loss provision to assets | 0.1900% | 550 |
| Net operating income to assets | 0.8339% | 3,080 |
| Return on assets (ROA) | 0.8339% | 3,035 |
| Pretax return on assets | 1.1292% | 2,633 |
| Return on Equity (ROE) | 7.6500% | 3,379 |
| Retained earnings to average equity (ytd only) | 3.0424% | 3,494 |
| Net charge-offs to loans | -0.0004% | 3,266 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.1240% | 2,310 |
| Assets per employee ($millions) | 6.9334% | 2,023 |
| Cash dividends to net income (ytd only)* | 60.2410% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5175% | 1,201 |
| Loan loss allowance to noncurrent loans | 826.6199% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.1166% | 2,701 |
| Noncurrent loans to loans | 0.1836% | 2,562 |
| Net loans and leases to total assets | 62.5800% | 2,401 |
| Net loans and leases to deposits | 78.1122% | 1,964 |
| Net loans and leases to core deposits | 80.6690% | 2,204 |
| Total domestic deposits to total assets | 80.1100% | 3,748 |
| Equity capital to assets | 11.0743% | 1,316 |
| Core capital (leverage) ratio | 10.4705% | 2,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9387% | 1,161 |
| Memoranda: | ||
| Average total assets | $1,592,605,000 | 692 |
| Average earning assets | $1,464,744,500 | 688 |
| Average equity | $173,549,000 | 606 |
| Average total loans | $1,012,684,500 | 713 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4855% | 3,120 |
| Cost of funding earning assets | 0.0874% | 4,441 |
| Net interest margin | 3.3981% | 2,264 |
| Noninterest income to average assets | 0.7200% | 1,221 |
| Noninterest expense to average assets | 2.3465% | 2,594 |
| Loan and lease loss provision to assets | -0.0400% | 4,387 |
| Net operating income to assets | 1.2018% | 1,759 |
| Return on assets (ROA) | 1.2014% | 1,702 |
| Pretax return on assets | 1.5615% | 1,264 |
| Return on Equity (ROE) | 11.7100% | 2,238 |
| Retained earnings to average equity (ytd only) | 7.0660% | 2,213 |
| Net charge-offs to loans | -0.0035% | 3,552 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.4550% | 2,991 |
| Assets per employee ($millions) | 6.8560% | 2,077 |
| Cash dividends to net income (ytd only)* | 39.6412% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4322% | 1,397 |
| Loan loss allowance to noncurrent loans | 115.4206% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 0.7896% | 601 |
| Noncurrent loans to loans | 1.2408% | 561 |
| Net loans and leases to total assets | 62.7200% | 2,356 |
| Net loans and leases to deposits | 72.9164% | 2,335 |
| Net loans and leases to core deposits | 73.9282% | 2,568 |
| Total domestic deposits to total assets | 86.0200% | 2,717 |
| Equity capital to assets | 10.7211% | 1,366 |
| Core capital (leverage) ratio | 10.0998% | 2,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7141% | 1,183 |
| Memoranda: | ||
| Average total assets | $1,679,849,200 | 643 |
| Average earning assets | $1,554,923,600 | 636 |
| Average equity | $172,389,400 | 601 |
| Average total loans | $998,523,400 | 681 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3609% | 3,013 |
| Cost of funding earning assets | 0.0858% | 4,382 |
| Net interest margin | 3.2751% | 2,374 |
| Noninterest income to average assets | 0.7200% | 1,256 |
| Noninterest expense to average assets | 2.3218% | 2,567 |
| Loan and lease loss provision to assets | -0.0500% | 4,490 |
| Net operating income to assets | 1.1455% | 1,910 |
| Return on assets (ROA) | 1.1448% | 1,885 |
| Pretax return on assets | 1.4882% | 1,446 |
| Return on Equity (ROE) | 11.2700% | 2,276 |
| Retained earnings to average equity (ytd only) | 6.6414% | 2,499 |
| Net charge-offs to loans | -0.0039% | 3,417 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.5696% | 2,888 |
| Assets per employee ($millions) | 7.1643% | 1,830 |
| Cash dividends to net income (ytd only)* | 41.0931% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4394% | 1,481 |
| Loan loss allowance to noncurrent loans | 69.3646% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 1.2461% | 316 |
| Noncurrent loans to loans | 2.0751% | 289 |
| Net loans and leases to total assets | 59.1900% | 2,584 |
| Net loans and leases to deposits | 66.5341% | 2,673 |
| Net loans and leases to core deposits | 67.8765% | 2,813 |
| Total domestic deposits to total assets | 88.9600% | 2,110 |
| Equity capital to assets | 9.9068% | 1,668 |
| Core capital (leverage) ratio | 9.5739% | 2,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4802% | 1,289 |
| Memoranda: | ||
| Average total assets | $1,700,447,750 | 641 |
| Average earning assets | $1,576,166,000 | 633 |
| Average equity | $172,670,500 | 607 |
| Average total loans | $994,026,000 | 681 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2356% | 2,937 |
| Cost of funding earning assets | 0.0815% | 4,363 |
| Net interest margin | 3.1541% | 2,349 |
| Noninterest income to average assets | 0.7147% | 1,280 |
| Noninterest expense to average assets | 2.3249% | 2,476 |
| Loan and lease loss provision to assets | -0.0762% | 4,564 |
| Net operating income to assets | 1.0730% | 1,886 |
| Return on assets (ROA) | 1.0723% | 1,863 |
| Pretax return on assets | 1.3946% | 1,454 |
| Return on Equity (ROE) | 10.4758% | 2,171 |
| Retained earnings to average equity (ytd only) | 5.8947% | 2,365 |
| Net charge-offs to loans | -0.0073% | 3,462 |
| Credit loss provision to net charge-offs | 1,805.5556% | 261 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6083% | 2,825 |
| Assets per employee ($millions) | 7.5085% | 1,604 |
| Cash dividends to net income (ytd only)* | 43.7302% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4380% | 1,605 |
| Loan loss allowance to noncurrent loans | 52.8764% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 1.6226% | 208 |
| Noncurrent loans to loans | 2.7195% | 199 |
| Net loans and leases to total assets | 58.8068% | 2,455 |
| Net loans and leases to deposits | 66.2214% | 2,530 |
| Net loans and leases to core deposits | 67.6880% | 2,681 |
| Total domestic deposits to total assets | 88.8032% | 2,257 |
| Equity capital to assets | 10.0848% | 1,668 |
| Core capital (leverage) ratio | 9.2876% | 3,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3145% | 1,356 |
| Memoranda: | ||
| Average total assets | $1,706,063,667 | 635 |
| Average earning assets | $1,584,425,667 | 628 |
| Average equity | $174,630,333 | 602 |
| Average total loans | $988,365,333 | 677 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1119% | 2,947 |
| Cost of funding earning assets | 0.0813% | 4,346 |
| Net interest margin | 3.0306% | 2,405 |
| Noninterest income to average assets | 0.6964% | 1,327 |
| Noninterest expense to average assets | 2.3610% | 2,299 |
| Loan and lease loss provision to assets | -0.1520% | 4,648 |
| Net operating income to assets | 1.0059% | 1,860 |
| Return on assets (ROA) | 1.0050% | 1,856 |
| Pretax return on assets | 1.3118% | 1,468 |
| Return on Equity (ROE) | 9.7472% | 2,073 |
| Retained earnings to average equity (ytd only) | 5.2115% | 2,509 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8349% | 2,660 |
| Assets per employee ($millions) | 7.7290% | 1,532 |
| Cash dividends to net income (ytd only)* | 46.5333% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4664% | 1,663 |
| Loan loss allowance to noncurrent loans | 65.7179% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 1.2708% | 330 |
| Noncurrent loans to loans | 2.2313% | 299 |
| Net loans and leases to total assets | 56.1166% | 2,517 |
| Net loans and leases to deposits | 63.1064% | 2,611 |
| Net loans and leases to core deposits | 64.4691% | 2,757 |
| Total domestic deposits to total assets | 88.9238% | 2,120 |
| Equity capital to assets | 9.9608% | 1,925 |
| Core capital (leverage) ratio | 9.1851% | 3,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3769% | 1,408 |
| Memoranda: | ||
| Average total assets | $1,710,633,500 | 632 |
| Average earning assets | $1,594,782,000 | 624 |
| Average equity | $176,379,500 | 614 |
| Average total loans | $976,315,500 | 680 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3266% | 3,127 |
| Cost of funding earning assets | 0.1200% | 4,220 |
| Net interest margin | 3.2067% | 2,582 |
| Noninterest income to average assets | 0.8435% | 1,334 |
| Noninterest expense to average assets | 2.3144% | 2,755 |
| Loan and lease loss provision to assets | -0.2485% | 4,748 |
| Net operating income to assets | 1.3589% | 1,412 |
| Return on assets (ROA) | 1.3578% | 1,460 |
| Pretax return on assets | 1.7533% | 1,016 |
| Return on Equity (ROE) | 12.5265% | 1,640 |
| Retained earnings to average equity (ytd only) | 8.4888% | 1,347 |
| Net charge-offs to loans | 0.0047% | 2,426 |
| Credit loss provision to net charge-offs | -9,034.0909% | 4,215 |
| Earnings coverage of net charge-offs (x) | 547.3864% | 255 |
| Efficiency ratio | 60.3712% | 3,101 |
| Assets per employee ($millions) | 7.5776% | 1,567 |
| Cash dividends to net income (ytd only)* | 32.2328% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5769% | 1,312 |
| Loan loss allowance to noncurrent loans | 824.6196% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.1094% | 3,163 |
| Noncurrent loans to loans | 0.1912% | 2,989 |
| Net loans and leases to total assets | 56.2971% | 2,567 |
| Net loans and leases to deposits | 63.7980% | 2,702 |
| Net loans and leases to core deposits | 65.2740% | 2,882 |
| Total domestic deposits to total assets | 88.2427% | 1,909 |
| Equity capital to assets | 10.6726% | 2,030 |
| Core capital (leverage) ratio | 9.0952% | 3,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7195% | 1,334 |
| Memoranda: | ||
| Average total assets | $1,599,401,200 | 648 |
| Average earning assets | $1,484,754,000 | 646 |
| Average equity | $173,368,800 | 621 |
| Average total loans | $928,187,400 | 703 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3543% | 3,232 |
| Cost of funding earning assets | 0.1311% | 4,256 |
| Net interest margin | 3.2232% | 2,658 |
| Noninterest income to average assets | 0.8756% | 1,308 |
| Noninterest expense to average assets | 2.3437% | 2,619 |
| Loan and lease loss provision to assets | -0.2280% | 4,771 |
| Net operating income to assets | 1.3575% | 1,662 |
| Return on assets (ROA) | 1.3569% | 1,721 |
| Pretax return on assets | 1.7472% | 1,286 |
| Return on Equity (ROE) | 12.4665% | 1,878 |
| Retained earnings to average equity (ytd only) | 8.5867% | 1,843 |
| Net charge-offs to loans | -0.0012% | 3,138 |
| Credit loss provision to net charge-offs | 33,750.0000% | 20 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4490% | 2,920 |
| Assets per employee ($millions) | 7.5907% | 1,516 |
| Cash dividends to net income (ytd only)* | 31.1216% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8042% | 916 |
| Loan loss allowance to noncurrent loans | 3,367.3469% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.0286% | 3,984 |
| Noncurrent loans to loans | 0.0536% | 3,841 |
| Net loans and leases to total assets | 52.3482% | 3,168 |
| Net loans and leases to deposits | 59.1671% | 3,313 |
| Net loans and leases to core deposits | 60.6279% | 3,433 |
| Total domestic deposits to total assets | 88.4752% | 1,578 |
| Equity capital to assets | 10.3127% | 2,603 |
| Core capital (leverage) ratio | 9.0821% | 3,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4205% | 1,263 |
| Memoranda: | ||
| Average total assets | $1,578,692,250 | 663 |
| Average earning assets | $1,463,452,750 | 660 |
| Average equity | $171,826,500 | 633 |
| Average total loans | $919,678,500 | 725 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4196% | 3,116 |
| Cost of funding earning assets | 0.1408% | 4,272 |
| Net interest margin | 3.2788% | 2,519 |
| Noninterest income to average assets | 0.8270% | 1,462 |
| Noninterest expense to average assets | 2.4865% | 2,191 |
| Loan and lease loss provision to assets | -0.2087% | 4,765 |
| Net operating income to assets | 1.2366% | 2,061 |
| Return on assets (ROA) | 1.2361% | 2,127 |
| Pretax return on assets | 1.5806% | 1,792 |
| Return on Equity (ROE) | 11.1385% | 2,381 |
| Retained earnings to average equity (ytd only) | 7.6118% | 2,218 |
| Net charge-offs to loans | 0.0004% | 2,235 |
| Credit loss provision to net charge-offs | -80,000.0000% | 4,136 |
| Earnings coverage of net charge-offs (x) | 5,260.0000% | 11 |
| Efficiency ratio | 64.2123% | 2,404 |
| Assets per employee ($millions) | 7.3134% | 1,587 |
| Cash dividends to net income (ytd only)* | 31.6623% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9776% | 637 |
| Loan loss allowance to noncurrent loans | 4,592.6893% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.0237% | 4,104 |
| Noncurrent loans to loans | 0.0431% | 3,971 |
| Net loans and leases to total assets | 53.9447% | 3,136 |
| Net loans and leases to deposits | 61.2310% | 3,281 |
| Net loans and leases to core deposits | 62.7321% | 3,397 |
| Total domestic deposits to total assets | 88.1003% | 1,771 |
| Equity capital to assets | 10.7440% | 2,192 |
| Core capital (leverage) ratio | 9.3703% | 3,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4855% | 1,231 |
| Memoranda: | ||
| Average total assets | $1,533,090,667 | 676 |
| Average earning assets | $1,417,670,000 | 674 |
| Average equity | $170,130,667 | 634 |
| Average total loans | $921,394,000 | 729 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5562% | 2,772 |
| Cost of funding earning assets | 0.1499% | 4,303 |
| Net interest margin | 3.4063% | 2,091 |
| Noninterest income to average assets | 0.7488% | 1,717 |
| Noninterest expense to average assets | 2.6650% | 1,700 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9566% | 2,948 |
| Return on assets (ROA) | 0.9561% | 3,045 |
| Pretax return on assets | 1.2283% | 2,765 |
| Return on Equity (ROE) | 8.4694% | 3,195 |
| Retained earnings to average equity (ytd only) | 4.9059% | 3,249 |
| Net charge-offs to loans | 0.0060% | 1,687 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 327.2857% | 279 |
| Efficiency ratio | 68.2003% | 1,909 |
| Assets per employee ($millions) | 6.6729% | 2,027 |
| Cash dividends to net income (ytd only)* | 42.0757% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0332% | 556 |
| Loan loss allowance to noncurrent loans | 3,358.6690% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.0369% | 4,109 |
| Noncurrent loans to loans | 0.0605% | 3,983 |
| Net loans and leases to total assets | 59.6896% | 2,577 |
| Net loans and leases to deposits | 68.0964% | 2,694 |
| Net loans and leases to core deposits | 69.7277% | 2,891 |
| Total domestic deposits to total assets | 87.6546% | 2,012 |
| Equity capital to assets | 10.8561% | 1,963 |
| Core capital (leverage) ratio | 9.6345% | 2,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3506% | 1,210 |
| Memoranda: | ||
| Average total assets | $1,491,504,000 | 681 |
| Average earning assets | $1,377,077,500 | 683 |
| Average equity | $168,370,000 | 636 |
| Average total loans | $937,351,500 | 713 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1081% | 2,396 |
| Cost of funding earning assets | 0.2665% | 4,312 |
| Net interest margin | 3.8416% | 1,388 |
| Noninterest income to average assets | 0.8433% | 1,407 |
| Noninterest expense to average assets | 2.7396% | 2,116 |
| Loan and lease loss provision to assets | 0.5720% | 373 |
| Net operating income to assets | 0.8135% | 3,038 |
| Return on assets (ROA) | 0.8127% | 3,163 |
| Pretax return on assets | 1.0535% | 2,866 |
| Return on Equity (ROE) | 6.4446% | 3,431 |
| Retained earnings to average equity (ytd only) | 0.1358% | 4,484 |
| Net charge-offs to loans | -0.0222% | 4,454 |
| Credit loss provision to net charge-offs | -3,612.4402% | 4,284 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4983% | 3,043 |
| Assets per employee ($millions) | 6.3491% | 2,047 |
| Cash dividends to net income (ytd only)* | 97.8930% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0604% | 525 |
| Loan loss allowance to noncurrent loans | 4,883.4606% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.0274% | 4,232 |
| Noncurrent loans to loans | 0.0422% | 4,128 |
| Net loans and leases to total assets | 63.5774% | 2,421 |
| Net loans and leases to deposits | 73.1569% | 2,573 |
| Net loans and leases to core deposits | 75.1872% | 2,802 |
| Total domestic deposits to total assets | 86.9056% | 1,984 |
| Equity capital to assets | 11.7552% | 1,701 |
| Core capital (leverage) ratio | 9.8006% | 2,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5813% | 1,128 |
| Memoranda: | ||
| Average total assets | $1,319,845,800 | 695 |
| Average earning assets | $1,210,279,400 | 690 |
| Average equity | $166,433,400 | 615 |
| Average total loans | $941,535,800 | 683 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2068% | 2,381 |
| Cost of funding earning assets | 0.2953% | 4,335 |
| Net interest margin | 3.9115% | 1,326 |
| Noninterest income to average assets | 0.8627% | 1,325 |
| Noninterest expense to average assets | 2.7929% | 1,988 |
| Loan and lease loss provision to assets | 0.7797% | 237 |
| Net operating income to assets | 0.6747% | 3,542 |
| Return on assets (ROA) | 0.6738% | 3,663 |
| Pretax return on assets | 0.8730% | 3,452 |
| Return on Equity (ROE) | 5.2449% | 3,812 |
| Retained earnings to average equity (ytd only) | -1.9894% | 4,701 |
| Net charge-offs to loans | 0.0165% | 2,544 |
| Credit loss provision to net charge-offs | 6,452.9915% | 180 |
| Earnings coverage of net charge-offs (x) | 136.8547% | 647 |
| Efficiency ratio | 62.5566% | 2,982 |
| Assets per employee ($millions) | 6.1376% | 2,148 |
| Cash dividends to net income (ytd only)* | 137.9310% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9346% | 555 |
| Loan loss allowance to noncurrent loans | 1,479.6863% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.0895% | 3,980 |
| Noncurrent loans to loans | 0.1307% | 3,860 |
| Net loans and leases to total assets | 67.1599% | 2,369 |
| Net loans and leases to deposits | 78.9996% | 2,422 |
| Net loans and leases to core deposits | 81.3090% | 2,724 |
| Total domestic deposits to total assets | 85.0130% | 2,429 |
| Equity capital to assets | 11.6701% | 1,895 |
| Core capital (leverage) ratio | 9.8186% | 2,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5278% | 1,127 |
| Memoranda: | ||
| Average total assets | $1,291,081,000 | 690 |
| Average earning assets | $1,182,907,750 | 694 |
| Average equity | $165,872,750 | 609 |
| Average total loans | $944,052,750 | 676 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4350% | 2,112 |
| Cost of funding earning assets | 0.3326% | 4,353 |
| Net interest margin | 4.1025% | 1,106 |
| Noninterest income to average assets | 0.8872% | 1,198 |
| Noninterest expense to average assets | 2.9177% | 1,787 |
| Loan and lease loss provision to assets | 0.9224% | 240 |
| Net operating income to assets | 0.6123% | 3,696 |
| Return on assets (ROA) | 0.6113% | 3,780 |
| Pretax return on assets | 0.7996% | 3,585 |
| Return on Equity (ROE) | 4.5979% | 3,947 |
| Retained earnings to average equity (ytd only) | -2.6410% | 4,631 |
| Net charge-offs to loans | 0.0229% | 2,256 |
| Credit loss provision to net charge-offs | 5,373.8318% | 221 |
| Earnings coverage of net charge-offs (x) | 100.3832% | 701 |
| Efficiency ratio | 62.6132% | 3,026 |
| Assets per employee ($millions) | 5.6415% | 2,499 |
| Cash dividends to net income (ytd only)* | 157.4390% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7030% | 810 |
| Loan loss allowance to noncurrent loans | 1,325.7764% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.0936% | 4,059 |
| Noncurrent loans to loans | 0.1285% | 3,946 |
| Net loans and leases to total assets | 71.6044% | 1,783 |
| Net loans and leases to deposits | 84.4484% | 1,945 |
| Net loans and leases to core deposits | 87.0722% | 2,345 |
| Total domestic deposits to total assets | 84.7906% | 2,476 |
| Equity capital to assets | 12.0937% | 1,607 |
| Core capital (leverage) ratio | 10.5502% | 2,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4037% | 1,156 |
| Memoranda: | ||
| Average total assets | $1,246,799,000 | 700 |
| Average earning assets | $1,140,731,333 | 712 |
| Average equity | $165,772,667 | 606 |
| Average total loans | $933,679,000 | 673 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6048% | 1,985 |
| Cost of funding earning assets | 0.3637% | 4,476 |
| Net interest margin | 4.2410% | 846 |
| Noninterest income to average assets | 0.9818% | 894 |
| Noninterest expense to average assets | 3.0123% | 1,861 |
| Loan and lease loss provision to assets | 0.4230% | 715 |
| Net operating income to assets | 1.0644% | 1,950 |
| Return on assets (ROA) | 1.0633% | 2,061 |
| Pretax return on assets | 1.4126% | 1,523 |
| Return on Equity (ROE) | 7.5975% | 2,690 |
| Retained earnings to average equity (ytd only) | -6.9108% | 4,642 |
| Net charge-offs to loans | 0.0262% | 1,844 |
| Credit loss provision to net charge-offs | 2,118.6441% | 329 |
| Earnings coverage of net charge-offs (x) | 91.9831% | 615 |
| Efficiency ratio | 61.8439% | 3,517 |
| Assets per employee ($millions) | 4.6850% | 3,007 |
| Cash dividends to net income (ytd only)* | 190.9612% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3845% | 1,754 |
| Loan loss allowance to noncurrent loans | 904.9462% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.1182% | 4,036 |
| Noncurrent loans to loans | 0.1530% | 3,912 |
| Net loans and leases to total assets | 76.1605% | 1,275 |
| Net loans and leases to deposits | 89.7603% | 1,538 |
| Net loans and leases to core deposits | 93.0952% | 2,059 |
| Total domestic deposits to total assets | 84.8488% | 2,465 |
| Equity capital to assets | 13.9868% | 1,065 |
| Core capital (leverage) ratio | 11.7944% | 1,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0129% | 1,344 |
| Memoranda: | ||
| Average total assets | $1,181,941,500 | 704 |
| Average earning assets | $1,077,754,500 | 711 |
| Average equity | $165,423,000 | 598 |
| Average total loans | $899,158,500 | 671 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8619% | 1,866 |
| Cost of funding earning assets | 0.3023% | 4,717 |
| Net interest margin | 4.5596% | 626 |
| Noninterest income to average assets | 1.0420% | 884 |
| Noninterest expense to average assets | 3.1565% | 1,623 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.5582% | 921 |
| Return on assets (ROA) | 1.5601% | 976 |
| Pretax return on assets | 2.0338% | 560 |
| Return on Equity (ROE) | 11.4610% | 1,708 |
| Retained earnings to average equity (ytd only) | 7.9929% | 977 |
| Net charge-offs to loans | 0.0078% | 3,397 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 343.0000% | 258 |
| Efficiency ratio | 60.5695% | 3,611 |
| Assets per employee ($millions) | 4.6222% | 3,057 |
| Cash dividends to net income (ytd only)* | 30.2597% | 3,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2896% | 1,971 |
| Loan loss allowance to noncurrent loans | 753.6585% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.1282% | 4,002 |
| Noncurrent loans to loans | 0.1711% | 3,847 |
| Net loans and leases to total assets | 73.9560% | 1,763 |
| Net loans and leases to deposits | 87.7329% | 1,883 |
| Net loans and leases to core deposits | 90.8623% | 2,336 |
| Total domestic deposits to total assets | 84.2967% | 2,755 |
| Equity capital to assets | 14.0049% | 1,096 |
| Core capital (leverage) ratio | 12.0495% | 1,745 |
| Tier 1 risk-based capital ratio | 16.4079% | 2,256 |
| Total risk-based capital ratio | 17.6598% | 2,190 |
| Memoranda: | ||
| Average total assets | $1,165,081,400 | 681 |
| Average earning assets | $1,059,377,400 | 684 |
| Average equity | $158,590,400 | 591 |
| Average total loans | $880,359,400 | 655 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8838% | 1,863 |
| Cost of funding earning assets | 0.2805% | 4,845 |
| Net interest margin | 4.6033% | 616 |
| Noninterest income to average assets | 1.0350% | 866 |
| Noninterest expense to average assets | 3.1531% | 1,572 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5849% | 968 |
| Return on assets (ROA) | 1.5849% | 1,015 |
| Pretax return on assets | 2.0636% | 596 |
| Return on Equity (ROE) | 11.7295% | 1,709 |
| Retained earnings to average equity (ytd only) | 7.0530% | 1,837 |
| Net charge-offs to loans | 0.0100% | 3,013 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 272.1447% | 340 |
| Efficiency ratio | 60.1647% | 3,610 |
| Assets per employee ($millions) | 4.5610% | 3,109 |
| Cash dividends to net income (ytd only)* | 39.8695% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2971% | 1,976 |
| Loan loss allowance to noncurrent loans | 770.1010% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.1267% | 4,095 |
| Noncurrent loans to loans | 0.1684% | 3,935 |
| Net loans and leases to total assets | 74.2369% | 1,768 |
| Net loans and leases to deposits | 87.7524% | 1,966 |
| Net loans and leases to core deposits | 90.5540% | 2,499 |
| Total domestic deposits to total assets | 84.5981% | 2,585 |
| Equity capital to assets | 13.7944% | 1,238 |
| Core capital (leverage) ratio | 11.7906% | 2,002 |
| Tier 1 risk-based capital ratio | 16.0185% | 2,418 |
| Total risk-based capital ratio | 17.2707% | 2,362 |
| Memoranda: | ||
| Average total assets | $1,160,533,500 | 683 |
| Average earning assets | $1,054,242,750 | 688 |
| Average equity | $156,809,000 | 598 |
| Average total loans | $878,815,750 | 657 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8784% | 1,821 |
| Cost of funding earning assets | 0.2598% | 4,926 |
| Net interest margin | 4.6186% | 596 |
| Noninterest income to average assets | 0.9968% | 877 |
| Noninterest expense to average assets | 3.1619% | 1,586 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5543% | 1,005 |
| Return on assets (ROA) | 1.5543% | 1,045 |
| Pretax return on assets | 2.0279% | 648 |
| Return on Equity (ROE) | 11.5852% | 1,751 |
| Retained earnings to average equity (ytd only) | 11.5852% | 466 |
| Net charge-offs to loans | 0.0137% | 2,646 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 195.4667% | 396 |
| Efficiency ratio | 60.6384% | 3,636 |
| Assets per employee ($millions) | 4.5662% | 3,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2885% | 2,068 |
| Loan loss allowance to noncurrent loans | 785.3123% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.1251% | 4,125 |
| Noncurrent loans to loans | 0.1641% | 3,964 |
| Net loans and leases to total assets | 75.2794% | 1,673 |
| Net loans and leases to deposits | 94.5911% | 1,197 |
| Net loans and leases to core deposits | 95.7939% | 2,092 |
| Total domestic deposits to total assets | 79.5840% | 4,119 |
| Equity capital to assets | 13.8844% | 1,168 |
| Core capital (leverage) ratio | 11.9363% | 1,864 |
| Tier 1 risk-based capital ratio | 15.9305% | 2,441 |
| Total risk-based capital ratio | 17.1825% | 2,385 |
| Memoranda: | ||
| Average total assets | $1,156,651,330 | 684 |
| Average earning assets | $1,050,062,330 | 692 |
| Average equity | $155,180,330 | 598 |
| Average total loans | $877,879,000 | 662 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9422% | 1,496 |
| Cost of funding earning assets | 0.2287% | 5,044 |
| Net interest margin | 4.7135% | 477 |
| Noninterest income to average assets | 0.9157% | 1,009 |
| Noninterest expense to average assets | 3.1354% | 1,643 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5646% | 972 |
| Return on assets (ROA) | 1.5646% | 1,001 |
| Pretax return on assets | 2.0639% | 571 |
| Return on Equity (ROE) | 11.8707% | 1,585 |
| Retained earnings to average equity (ytd only) | 11.8707% | 633 |
| Net charge-offs to loans | 0.0206% | 2,040 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 132.1778% | 554 |
| Efficiency ratio | 59.9973% | 3,804 |
| Assets per employee ($millions) | 4.6222% | 3,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3063% | 2,066 |
| Loan loss allowance to noncurrent loans | 754.2462% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.1315% | 4,142 |
| Noncurrent loans to loans | 0.1732% | 3,973 |
| Net loans and leases to total assets | 74.9059% | 1,659 |
| Net loans and leases to deposits | 93.0333% | 1,279 |
| Net loans and leases to core deposits | 94.1003% | 2,112 |
| Total domestic deposits to total assets | 80.5152% | 4,071 |
| Equity capital to assets | 13.4172% | 1,242 |
| Core capital (leverage) ratio | 11.5587% | 2,096 |
| Tier 1 risk-based capital ratio | 15.6279% | 2,597 |
| Total risk-based capital ratio | 16.8802% | 2,518 |
| Memoranda: | ||
| Average total assets | $1,152,789,500 | 691 |
| Average earning assets | $1,047,629,000 | 698 |
| Average equity | $151,937,000 | 607 |
| Average total loans | $872,830,500 | 664 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7189% | 1,759 |
| Cost of funding earning assets | 0.1247% | 5,233 |
| Net interest margin | 4.5941% | 611 |
| Noninterest income to average assets | 0.9838% | 974 |
| Noninterest expense to average assets | 3.2023% | 1,546 |
| Loan and lease loss provision to assets | 0.0044% | 4,023 |
| Net operating income to assets | 1.4818% | 1,168 |
| Return on assets (ROA) | 1.4818% | 1,151 |
| Pretax return on assets | 1.9568% | 617 |
| Return on Equity (ROE) | 12.0708% | 1,691 |
| Retained earnings to average equity (ytd only) | 10.6453% | 497 |
| Net charge-offs to loans | -0.0704% | 5,067 |
| Credit loss provision to net charge-offs | -8.5470% | 4,267 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6856% | 3,590 |
| Assets per employee ($millions) | 4.5456% | 3,098 |
| Cash dividends to net income (ytd only)* | 11.8092% | 3,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3241% | 1,929 |
| Loan loss allowance to noncurrent loans | 713.5236% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.1402% | 4,123 |
| Noncurrent loans to loans | 0.1856% | 3,911 |
| Net loans and leases to total assets | 74.5309% | 1,833 |
| Net loans and leases to deposits | 90.2525% | 1,764 |
| Net loans and leases to core deposits | 91.3093% | 2,468 |
| Total domestic deposits to total assets | 82.5804% | 3,458 |
| Equity capital to assets | 12.9415% | 1,375 |
| Core capital (leverage) ratio | 11.2155% | 2,335 |
| Tier 1 risk-based capital ratio | 15.0963% | 2,786 |
| Total risk-based capital ratio | 16.3488% | 2,721 |
| Memoranda: | ||
| Average total assets | $1,142,970,000 | 674 |
| Average earning assets | $1,039,849,800 | 675 |
| Average equity | $140,305,400 | 618 |
| Average total loans | $830,865,800 | 671 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6925% | 1,700 |
| Cost of funding earning assets | 0.1226% | 5,296 |
| Net interest margin | 4.5699% | 638 |
| Noninterest income to average assets | 0.9539% | 1,049 |
| Noninterest expense to average assets | 3.1961% | 1,531 |
| Loan and lease loss provision to assets | 0.0058% | 3,859 |
| Net operating income to assets | 1.4341% | 1,379 |
| Return on assets (ROA) | 1.4341% | 1,377 |
| Pretax return on assets | 1.9110% | 803 |
| Return on Equity (ROE) | 11.8447% | 1,853 |
| Retained earnings to average equity (ytd only) | 9.9148% | 952 |
| Net charge-offs to loans | -0.0967% | 5,153 |
| Credit loss provision to net charge-offs | -8.3893% | 4,078 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1667% | 3,485 |
| Assets per employee ($millions) | 4.5706% | 3,012 |
| Cash dividends to net income (ytd only)* | 16.2933% | 3,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3547% | 1,863 |
| Loan loss allowance to noncurrent loans | 504.2926% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.1990% | 3,954 |
| Noncurrent loans to loans | 0.2686% | 3,727 |
| Net loans and leases to total assets | 73.0746% | 2,155 |
| Net loans and leases to deposits | 84.6083% | 2,525 |
| Net loans and leases to core deposits | 85.4742% | 3,048 |
| Total domestic deposits to total assets | 86.3681% | 2,027 |
| Equity capital to assets | 12.3754% | 1,660 |
| Core capital (leverage) ratio | 10.7191% | 2,865 |
| Tier 1 risk-based capital ratio | 14.5667% | 3,087 |
| Total risk-based capital ratio | 15.8192% | 3,006 |
| Memoranda: | ||
| Average total assets | $1,141,202,500 | 670 |
| Average earning assets | $1,038,602,500 | 678 |
| Average equity | $138,173,500 | 618 |
| Average total loans | $821,423,000 | 676 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6223% | 1,716 |
| Cost of funding earning assets | 0.1260% | 5,326 |
| Net interest margin | 4.4962% | 706 |
| Noninterest income to average assets | 0.9465% | 1,063 |
| Noninterest expense to average assets | 3.2182% | 1,491 |
| Loan and lease loss provision to assets | -0.0351% | 5,355 |
| Net operating income to assets | 1.3650% | 1,552 |
| Return on assets (ROA) | 1.3650% | 1,553 |
| Pretax return on assets | 1.8532% | 872 |
| Return on Equity (ROE) | 11.3581% | 1,970 |
| Retained earnings to average equity (ytd only) | 8.4364% | 1,434 |
| Net charge-offs to loans | -0.1680% | 5,295 |
| Credit loss provision to net charge-offs | 29.3255% | 2,630 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5375% | 3,379 |
| Assets per employee ($millions) | 4.6697% | 2,857 |
| Cash dividends to net income (ytd only)* | 25.7235% | 2,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3730% | 1,839 |
| Loan loss allowance to noncurrent loans | 484.1724% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.2057% | 3,976 |
| Noncurrent loans to loans | 0.2836% | 3,687 |
| Net loans and leases to total assets | 71.5497% | 2,349 |
| Net loans and leases to deposits | 82.2503% | 2,743 |
| Net loans and leases to core deposits | 83.0903% | 3,155 |
| Total domestic deposits to total assets | 86.9902% | 1,844 |
| Equity capital to assets | 12.1538% | 1,743 |
| Core capital (leverage) ratio | 10.4560% | 3,075 |
| Tier 1 risk-based capital ratio | 14.3343% | 3,187 |
| Total risk-based capital ratio | 15.5871% | 3,109 |
| Memoranda: | ||
| Average total assets | $1,139,195,330 | 671 |
| Average earning assets | $1,036,243,000 | 681 |
| Average equity | $136,907,000 | 622 |
| Average total loans | $811,950,000 | 682 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4323% | 2,083 |
| Cost of funding earning assets | 0.1274% | 5,364 |
| Net interest margin | 4.3050% | 944 |
| Noninterest income to average assets | 0.9039% | 1,143 |
| Noninterest expense to average assets | 3.2415% | 1,477 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0770% | 2,536 |
| Return on assets (ROA) | 1.0770% | 2,547 |
| Pretax return on assets | 1.5788% | 1,453 |
| Return on Equity (ROE) | 9.0126% | 2,903 |
| Retained earnings to average equity (ytd only) | 9.0126% | 1,456 |
| Net charge-offs to loans | 0.0502% | 1,597 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 44.5149% | 1,000 |
| Efficiency ratio | 66.8245% | 3,028 |
| Assets per employee ($millions) | 4.4772% | 3,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3265% | 2,115 |
| Loan loss allowance to noncurrent loans | 445.2440% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.2360% | 3,925 |
| Noncurrent loans to loans | 0.2979% | 3,694 |
| Net loans and leases to total assets | 69.5971% | 2,546 |
| Net loans and leases to deposits | 79.8082% | 2,827 |
| Net loans and leases to core deposits | 82.6434% | 3,094 |
| Total domestic deposits to total assets | 87.2054% | 2,042 |
| Equity capital to assets | 11.8626% | 1,871 |
| Core capital (leverage) ratio | 10.2571% | 3,232 |
| Tier 1 risk-based capital ratio | 14.1624% | 3,295 |
| Total risk-based capital ratio | 15.4143% | 3,217 |
| Memoranda: | ||
| Average total assets | $1,139,093,500 | 676 |
| Average earning assets | $1,036,295,000 | 682 |
| Average equity | $136,120,500 | 628 |
| Average total loans | $804,632,000 | 682 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4656% | 1,825 |
| Cost of funding earning assets | 0.1424% | 5,307 |
| Net interest margin | 4.3232% | 920 |
| Noninterest income to average assets | 0.9420% | 1,161 |
| Noninterest expense to average assets | 3.2503% | 1,502 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8996% | 2,710 |
| Return on assets (ROA) | 0.9043% | 2,711 |
| Pretax return on assets | 1.6186% | 1,244 |
| Return on Equity (ROE) | 7.5223% | 3,025 |
| Retained earnings to average equity (ytd only) | 5.6370% | 1,747 |
| Net charge-offs to loans | -0.0755% | 5,299 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4827% | 3,174 |
| Assets per employee ($millions) | 4.4044% | 3,341 |
| Cash dividends to net income (ytd only)* | 25.0627% | 3,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3623% | 1,921 |
| Loan loss allowance to noncurrent loans | 409.1491% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.2620% | 3,837 |
| Noncurrent loans to loans | 0.3330% | 3,574 |
| Net loans and leases to total assets | 69.7815% | 2,551 |
| Net loans and leases to deposits | 80.2836% | 2,881 |
| Net loans and leases to core deposits | 83.2000% | 3,137 |
| Total domestic deposits to total assets | 86.9188% | 2,036 |
| Equity capital to assets | 12.0390% | 1,805 |
| Core capital (leverage) ratio | 9.8229% | 3,671 |
| Tier 1 risk-based capital ratio | 13.8176% | 3,463 |
| Total risk-based capital ratio | 15.0697% | 3,372 |
| Memoranda: | ||
| Average total assets | $1,103,022,400 | 674 |
| Average earning assets | $1,000,020,400 | 678 |
| Average equity | $132,606,400 | 617 |
| Average total loans | $765,187,600 | 686 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4264% | 1,871 |
| Cost of funding earning assets | 0.1449% | 5,343 |
| Net interest margin | 4.2815% | 967 |
| Noninterest income to average assets | 0.9257% | 1,198 |
| Noninterest expense to average assets | 3.3039% | 1,335 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9961% | 2,572 |
| Return on assets (ROA) | 1.0027% | 2,588 |
| Pretax return on assets | 1.5132% | 1,727 |
| Return on Equity (ROE) | 8.3434% | 2,961 |
| Retained earnings to average equity (ytd only) | 6.8262% | 1,785 |
| Net charge-offs to loans | -0.0578% | 5,210 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3676% | 2,810 |
| Assets per employee ($millions) | 4.5145% | 3,107 |
| Cash dividends to net income (ytd only)* | 18.1840% | 3,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3541% | 2,102 |
| Loan loss allowance to noncurrent loans | 386.7760% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.2654% | 4,009 |
| Noncurrent loans to loans | 0.3501% | 3,692 |
| Net loans and leases to total assets | 67.4490% | 2,928 |
| Net loans and leases to deposits | 77.4750% | 3,226 |
| Net loans and leases to core deposits | 80.0000% | 3,455 |
| Total domestic deposits to total assets | 87.0590% | 1,846 |
| Equity capital to assets | 11.8505% | 2,075 |
| Core capital (leverage) ratio | 9.7476% | 3,884 |
| Tier 1 risk-based capital ratio | 13.8174% | 3,524 |
| Total risk-based capital ratio | 15.0693% | 3,454 |
| Memoranda: | ||
| Average total assets | $1,096,894,250 | 679 |
| Average earning assets | $994,403,500 | 689 |
| Average equity | $131,822,000 | 626 |
| Average total loans | $757,065,000 | 696 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3789% | 1,882 |
| Cost of funding earning assets | 0.1482% | 5,348 |
| Net interest margin | 4.2307% | 1,010 |
| Noninterest income to average assets | 0.9322% | 1,178 |
| Noninterest expense to average assets | 3.3900% | 1,192 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9186% | 2,810 |
| Return on assets (ROA) | 0.9288% | 2,823 |
| Pretax return on assets | 1.3880% | 2,066 |
| Return on Equity (ROE) | 7.6909% | 3,203 |
| Retained earnings to average equity (ytd only) | 6.5412% | 1,822 |
| Net charge-offs to loans | -0.0823% | 5,351 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8427% | 2,531 |
| Assets per employee ($millions) | 4.4253% | 3,226 |
| Cash dividends to net income (ytd only)* | 14.9492% | 3,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3275% | 2,286 |
| Loan loss allowance to noncurrent loans | 379.5487% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.2749% | 4,020 |
| Noncurrent loans to loans | 0.3498% | 3,781 |
| Net loans and leases to total assets | 70.0768% | 2,514 |
| Net loans and leases to deposits | 80.2958% | 2,877 |
| Net loans and leases to core deposits | 83.0161% | 3,173 |
| Total domestic deposits to total assets | 87.2732% | 1,818 |
| Equity capital to assets | 11.8495% | 2,040 |
| Core capital (leverage) ratio | 9.7901% | 3,790 |
| Tier 1 risk-based capital ratio | 13.1567% | 3,915 |
| Total risk-based capital ratio | 14.4085% | 3,813 |
| Memoranda: | ||
| Average total assets | $1,080,294,000 | 693 |
| Average earning assets | $978,146,000 | 699 |
| Average equity | $130,466,330 | 634 |
| Average total loans | $748,069,670 | 707 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2511% | 2,091 |
| Cost of funding earning assets | 0.1495% | 5,378 |
| Net interest margin | 4.1016% | 1,212 |
| Noninterest income to average assets | 0.8904% | 1,275 |
| Noninterest expense to average assets | 3.4153% | 1,168 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8039% | 3,203 |
| Return on assets (ROA) | 0.8250% | 3,154 |
| Pretax return on assets | 1.2180% | 2,516 |
| Return on Equity (ROE) | 6.7636% | 3,513 |
| Retained earnings to average equity (ytd only) | 4.4398% | 3,207 |
| Net charge-offs to loans | -0.1322% | 5,528 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9859% | 2,239 |
| Assets per employee ($millions) | 4.3573% | 3,409 |
| Cash dividends to net income (ytd only)* | 34.3564% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3499% | 2,308 |
| Loan loss allowance to noncurrent loans | 382.9756% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.2690% | 4,137 |
| Noncurrent loans to loans | 0.3525% | 3,832 |
| Net loans and leases to total assets | 67.9130% | 2,697 |
| Net loans and leases to deposits | 77.9369% | 2,973 |
| Net loans and leases to core deposits | 80.9224% | 3,206 |
| Total domestic deposits to total assets | 87.1385% | 2,141 |
| Equity capital to assets | 11.4704% | 2,200 |
| Core capital (leverage) ratio | 10.2130% | 3,227 |
| Tier 1 risk-based capital ratio | 12.8104% | 4,195 |
| Total risk-based capital ratio | 14.0625% | 4,089 |
| Memoranda: | ||
| Average total assets | $1,058,428,000 | 705 |
| Average earning assets | $957,865,000 | 719 |
| Average equity | $129,103,500 | 634 |
| Average total loans | $722,965,500 | 728 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0909% | 2,891 |
| Cost of funding earning assets | 0.1531% | 5,404 |
| Net interest margin | 3.9378% | 1,825 |
| Noninterest income to average assets | 1.0045% | 1,134 |
| Noninterest expense to average assets | 3.4077% | 1,339 |
| Loan and lease loss provision to assets | -0.0372% | 5,555 |
| Net operating income to assets | 0.7801% | 3,400 |
| Return on assets (ROA) | 0.7632% | 3,583 |
| Pretax return on assets | 1.1481% | 2,905 |
| Return on Equity (ROE) | 5.6079% | 4,156 |
| Retained earnings to average equity (ytd only) | 4.2401% | 2,886 |
| Net charge-offs to loans | -0.0732% | 5,494 |
| Credit loss provision to net charge-offs | 75.1073% | 3,056 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9924% | 2,140 |
| Assets per employee ($millions) | 4.2230% | 3,583 |
| Cash dividends to net income (ytd only)* | 24.3902% | 3,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5448% | 1,519 |
| Loan loss allowance to noncurrent loans | 369.1783% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.3135% | 4,021 |
| Noncurrent loans to loans | 0.4185% | 3,644 |
| Net loans and leases to total assets | 66.6419% | 2,983 |
| Net loans and leases to deposits | 77.8405% | 3,122 |
| Net loans and leases to core deposits | 80.7365% | 3,331 |
| Total domestic deposits to total assets | 85.6135% | 2,773 |
| Equity capital to assets | 13.0350% | 1,241 |
| Core capital (leverage) ratio | 10.8147% | 2,521 |
| Tier 1 risk-based capital ratio | 14.6752% | 3,114 |
| Total risk-based capital ratio | 15.9295% | 3,055 |
| Memoranda: | ||
| Average total assets | $940,099,400 | 765 |
| Average earning assets | $845,041,600 | 778 |
| Average equity | $127,944,200 | 627 |
| Average total loans | $636,931,000 | 783 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0492% | 3,039 |
| Cost of funding earning assets | 0.1555% | 5,451 |
| Net interest margin | 3.8937% | 1,996 |
| Noninterest income to average assets | 1.0249% | 1,093 |
| Noninterest expense to average assets | 3.4542% | 1,238 |
| Loan and lease loss provision to assets | -0.0502% | 5,716 |
| Net operating income to assets | 0.7412% | 3,641 |
| Return on assets (ROA) | 0.7287% | 3,832 |
| Pretax return on assets | 1.0975% | 3,240 |
| Return on Equity (ROE) | 5.2950% | 4,387 |
| Retained earnings to average equity (ytd only) | 4.2523% | 3,300 |
| Net charge-offs to loans | -0.0508% | 5,377 |
| Credit loss provision to net charge-offs | 145.8333% | 1,804 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4134% | 1,918 |
| Assets per employee ($millions) | 4.2527% | 3,503 |
| Cash dividends to net income (ytd only)* | 19.6928% | 3,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5436% | 1,624 |
| Loan loss allowance to noncurrent loans | 426.3983% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.2951% | 4,236 |
| Noncurrent loans to loans | 0.3620% | 3,959 |
| Net loans and leases to total assets | 65.3377% | 3,231 |
| Net loans and leases to deposits | 76.2970% | 3,374 |
| Net loans and leases to core deposits | 79.1308% | 3,538 |
| Total domestic deposits to total assets | 85.6360% | 2,538 |
| Equity capital to assets | 13.2412% | 1,377 |
| Core capital (leverage) ratio | 10.9537% | 2,498 |
| Tier 1 risk-based capital ratio | 14.7960% | 3,145 |
| Total risk-based capital ratio | 16.0512% | 3,079 |
| Memoranda: | ||
| Average total assets | $929,133,500 | 772 |
| Average earning assets | $834,121,250 | 789 |
| Average equity | $127,865,250 | 628 |
| Average total loans | $629,658,500 | 789 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0733% | 2,982 |
| Cost of funding earning assets | 0.1590% | 5,489 |
| Net interest margin | 3.9143% | 1,932 |
| Noninterest income to average assets | 0.9796% | 1,177 |
| Noninterest expense to average assets | 3.4194% | 1,338 |
| Loan and lease loss provision to assets | -0.0768% | 5,850 |
| Net operating income to assets | 0.7231% | 3,684 |
| Return on assets (ROA) | 0.7231% | 3,839 |
| Pretax return on assets | 1.1438% | 3,017 |
| Return on Equity (ROE) | 5.1838% | 4,434 |
| Retained earnings to average equity (ytd only) | 5.1838% | 2,611 |
| Net charge-offs to loans | -0.0440% | 5,315 |
| Credit loss provision to net charge-offs | 255.4745% | 1,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2180% | 2,049 |
| Assets per employee ($millions) | 4.0296% | 3,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5803% | 1,585 |
| Loan loss allowance to noncurrent loans | 422.7504% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.3142% | 4,241 |
| Noncurrent loans to loans | 0.3738% | 4,022 |
| Net loans and leases to total assets | 66.6397% | 2,990 |
| Net loans and leases to deposits | 78.4024% | 3,110 |
| Net loans and leases to core deposits | 81.2540% | 3,339 |
| Total domestic deposits to total assets | 84.9970% | 2,883 |
| Equity capital to assets | 13.9181% | 1,056 |
| Core capital (leverage) ratio | 11.1586% | 2,277 |
| Tier 1 risk-based capital ratio | 15.0067% | 3,076 |
| Total risk-based capital ratio | 16.2626% | 3,015 |
| Memoranda: | ||
| Average total assets | $911,384,330 | 790 |
| Average earning assets | $816,485,330 | 812 |
| Average equity | $127,127,330 | 634 |
| Average total loans | $622,235,330 | 797 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9853% | 3,270 |
| Cost of funding earning assets | 0.1607% | 5,541 |
| Net interest margin | 3.8246% | 2,205 |
| Noninterest income to average assets | 0.9387% | 1,212 |
| Noninterest expense to average assets | 3.3920% | 1,395 |
| Loan and lease loss provision to assets | -0.1553% | 6,006 |
| Net operating income to assets | 0.6632% | 3,913 |
| Return on assets (ROA) | 0.6632% | 4,039 |
| Pretax return on assets | 1.1228% | 3,000 |
| Return on Equity (ROE) | 4.7493% | 4,602 |
| Retained earnings to average equity (ytd only) | 4.7493% | 3,090 |
| Net charge-offs to loans | -0.0401% | 5,216 |
| Credit loss provision to net charge-offs | 564.5161% | 552 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8060% | 1,920 |
| Assets per employee ($millions) | 4.0160% | 3,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5808% | 1,676 |
| Loan loss allowance to noncurrent loans | 364.2225% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.3598% | 4,126 |
| Noncurrent loans to loans | 0.4340% | 3,884 |
| Net loans and leases to total assets | 66.9193% | 2,824 |
| Net loans and leases to deposits | 78.6644% | 2,923 |
| Net loans and leases to core deposits | 82.5538% | 3,081 |
| Total domestic deposits to total assets | 85.0694% | 3,102 |
| Equity capital to assets | 13.8431% | 1,039 |
| Core capital (leverage) ratio | 11.1811% | 2,240 |
| Tier 1 risk-based capital ratio | 14.8146% | 3,239 |
| Total risk-based capital ratio | 16.0712% | 3,173 |
| Memoranda: | ||
| Average total assets | $901,655,000 | 804 |
| Average earning assets | $806,469,500 | 825 |
| Average equity | $125,913,000 | 640 |
| Average total loans | $618,217,500 | 805 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1288% | 2,820 |
| Cost of funding earning assets | 0.1790% | 5,469 |
| Net interest margin | 3.9498% | 1,870 |
| Noninterest income to average assets | 0.9889% | 1,208 |
| Noninterest expense to average assets | 3.4859% | 1,314 |
| Loan and lease loss provision to assets | -0.1798% | 5,966 |
| Net operating income to assets | 0.7989% | 3,346 |
| Return on assets (ROA) | 0.7913% | 3,452 |
| Pretax return on assets | 1.1689% | 2,774 |
| Return on Equity (ROE) | 5.5811% | 4,240 |
| Retained earnings to average equity (ytd only) | 5.5811% | 2,028 |
| Net charge-offs to loans | -0.0037% | 4,933 |
| Credit loss provision to net charge-offs | 7,045.4545% | 49 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7430% | 2,007 |
| Assets per employee ($millions) | 3.8756% | 4,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6647% | 1,439 |
| Loan loss allowance to noncurrent loans | 258.1325% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 0.4899% | 3,678 |
| Noncurrent loans to loans | 0.6449% | 3,246 |
| Net loans and leases to total assets | 68.0073% | 2,700 |
| Net loans and leases to deposits | 80.1249% | 2,807 |
| Net loans and leases to core deposits | 84.0035% | 2,964 |
| Total domestic deposits to total assets | 84.8766% | 3,145 |
| Equity capital to assets | 14.0911% | 902 |
| Core capital (leverage) ratio | 11.1127% | 2,299 |
| Tier 1 risk-based capital ratio | 14.8256% | 3,259 |
| Total risk-based capital ratio | 16.0843% | 3,194 |
| Memoranda: | ||
| Average total assets | $862,269,400 | 797 |
| Average earning assets | $762,718,200 | 832 |
| Average equity | $122,252,200 | 624 |
| Average total loans | $587,745,800 | 795 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0921% | 2,976 |
| Cost of funding earning assets | 0.1818% | 5,533 |
| Net interest margin | 3.9103% | 1,998 |
| Noninterest income to average assets | 0.9933% | 1,201 |
| Noninterest expense to average assets | 3.5263% | 1,242 |
| Loan and lease loss provision to assets | -0.2412% | 6,127 |
| Net operating income to assets | 0.7910% | 3,473 |
| Return on assets (ROA) | 0.7828% | 3,598 |
| Pretax return on assets | 1.1497% | 3,020 |
| Return on Equity (ROE) | 5.5124% | 4,402 |
| Retained earnings to average equity (ytd only) | 5.5124% | 2,569 |
| Net charge-offs to loans | 0.0087% | 3,858 |
| Credit loss provision to net charge-offs | -4,078.9474% | 5,678 |
| Earnings coverage of net charge-offs (x) | 155.0385% | 453 |
| Efficiency ratio | 79.3388% | 1,752 |
| Assets per employee ($millions) | 3.8861% | 4,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6944% | 1,485 |
| Loan loss allowance to noncurrent loans | 268.1782% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.5236% | 3,750 |
| Noncurrent loans to loans | 0.6318% | 3,424 |
| Net loans and leases to total assets | 65.6440% | 3,069 |
| Net loans and leases to deposits | 77.1660% | 3,178 |
| Net loans and leases to core deposits | 81.2032% | 3,327 |
| Total domestic deposits to total assets | 85.0686% | 2,976 |
| Equity capital to assets | 13.9214% | 1,055 |
| Core capital (leverage) ratio | 11.2159% | 2,277 |
| Tier 1 risk-based capital ratio | 15.1934% | 3,192 |
| Total risk-based capital ratio | 16.4537% | 3,123 |
| Memoranda: | ||
| Average total assets | $856,926,750 | 809 |
| Average earning assets | $756,000,000 | 845 |
| Average equity | $121,686,500 | 632 |
| Average total loans | $581,904,000 | 805 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1497% | 2,720 |
| Cost of funding earning assets | 0.1854% | 5,570 |
| Net interest margin | 3.9643% | 1,763 |
| Noninterest income to average assets | 1.0322% | 1,114 |
| Noninterest expense to average assets | 3.6537% | 1,047 |
| Loan and lease loss provision to assets | -0.2960% | 6,223 |
| Net operating income to assets | 0.7861% | 3,457 |
| Return on assets (ROA) | 0.7783% | 3,600 |
| Pretax return on assets | 1.1496% | 2,972 |
| Return on Equity (ROE) | 5.4433% | 4,401 |
| Retained earnings to average equity (ytd only) | 5.4433% | 2,572 |
| Net charge-offs to loans | 0.0395% | 2,887 |
| Credit loss provision to net charge-offs | -1,096.4912% | 5,368 |
| Earnings coverage of net charge-offs (x) | 31.9123% | 1,316 |
| Efficiency ratio | 80.8790% | 1,637 |
| Assets per employee ($millions) | 3.7785% | 4,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8122% | 1,342 |
| Loan loss allowance to noncurrent loans | 273.9730% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.5972% | 3,622 |
| Noncurrent loans to loans | 0.6615% | 3,496 |
| Net loans and leases to total assets | 65.2967% | 3,079 |
| Net loans and leases to deposits | 77.1645% | 3,139 |
| Net loans and leases to core deposits | 81.6223% | 3,224 |
| Total domestic deposits to total assets | 84.6202% | 3,287 |
| Equity capital to assets | 14.2362% | 896 |
| Core capital (leverage) ratio | 11.1651% | 2,276 |
| Tier 1 risk-based capital ratio | 15.2153% | 3,240 |
| Total risk-based capital ratio | 16.4763% | 3,173 |
| Memoranda: | ||
| Average total assets | $844,631,670 | 824 |
| Average earning assets | $742,071,670 | 866 |
| Average equity | $120,771,670 | 641 |
| Average total loans | $576,923,000 | 813 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1071% | 2,799 |
| Cost of funding earning assets | 0.1876% | 5,623 |
| Net interest margin | 3.9196% | 1,821 |
| Noninterest income to average assets | 1.0176% | 1,079 |
| Noninterest expense to average assets | 3.7122% | 996 |
| Loan and lease loss provision to assets | -0.3580% | 6,323 |
| Net operating income to assets | 0.7708% | 3,421 |
| Return on assets (ROA) | 0.7622% | 3,604 |
| Pretax return on assets | 1.0858% | 3,139 |
| Return on Equity (ROE) | 5.3187% | 4,369 |
| Retained earnings to average equity (ytd only) | 5.3187% | 2,877 |
| Net charge-offs to loans | 0.1303% | 1,470 |
| Credit loss provision to net charge-offs | -396.8254% | 4,768 |
| Earnings coverage of net charge-offs (x) | 8.1640% | 2,105 |
| Efficiency ratio | 83.3816% | 1,445 |
| Assets per employee ($millions) | 3.6937% | 4,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8538% | 1,387 |
| Loan loss allowance to noncurrent loans | 202.3693% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 0.8111% | 3,080 |
| Noncurrent loans to loans | 0.9160% | 2,949 |
| Net loans and leases to total assets | 66.7790% | 2,635 |
| Net loans and leases to deposits | 78.9266% | 2,692 |
| Net loans and leases to core deposits | 84.5207% | 2,711 |
| Total domestic deposits to total assets | 84.6090% | 3,578 |
| Equity capital to assets | 14.2020% | 921 |
| Core capital (leverage) ratio | 10.8943% | 2,522 |
| Tier 1 risk-based capital ratio | 14.6310% | 3,641 |
| Total risk-based capital ratio | 15.8880% | 3,557 |
| Memoranda: | ||
| Average total assets | $838,090,500 | 839 |
| Average earning assets | $733,648,500 | 879 |
| Average equity | $120,104,500 | 643 |
| Average total loans | $580,186,500 | 805 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9775% | 3,805 |
| Cost of funding earning assets | 0.2275% | 5,542 |
| Net interest margin | 3.7500% | 2,809 |
| Noninterest income to average assets | 0.8923% | 1,524 |
| Noninterest expense to average assets | 3.6417% | 1,229 |
| Loan and lease loss provision to assets | -0.2740% | 6,352 |
| Net operating income to assets | 2.2611% | 197 |
| Return on assets (ROA) | 2.2723% | 200 |
| Pretax return on assets | 0.8036% | 4,246 |
| Return on Equity (ROE) | 15.7867% | 650 |
| Retained earnings to average equity (ytd only) | 10.7111% | 415 |
| Net charge-offs to loans | 0.0177% | 4,505 |
| Credit loss provision to net charge-offs | -2,319.5876% | 5,993 |
| Earnings coverage of net charge-offs (x) | 43.8969% | 1,017 |
| Efficiency ratio | 87.4641% | 1,040 |
| Assets per employee ($millions) | 3.5625% | 4,791 |
| Cash dividends to net income (ytd only)* | 32.1509% | 3,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0180% | 1,075 |
| Loan loss allowance to noncurrent loans | 151.3909% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 1.1341% | 2,490 |
| Noncurrent loans to loans | 1.3330% | 2,205 |
| Net loans and leases to total assets | 69.0359% | 2,390 |
| Net loans and leases to deposits | 82.3467% | 2,430 |
| Net loans and leases to core deposits | 87.2959% | 2,582 |
| Total domestic deposits to total assets | 83.8357% | 3,794 |
| Equity capital to assets | 14.4642% | 823 |
| Core capital (leverage) ratio | 10.7183% | 2,701 |
| Tier 1 risk-based capital ratio | 14.3336% | 3,878 |
| Total risk-based capital ratio | 15.5932% | 3,809 |
| Memoranda: | ||
| Average total assets | $821,268,400 | 825 |
| Average earning assets | $715,676,400 | 861 |
| Average equity | $118,213,800 | 611 |
| Average total loans | $547,018,200 | 807 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9288% | 4,058 |
| Cost of funding earning assets | 0.2357% | 5,547 |
| Net interest margin | 3.6930% | 3,052 |
| Noninterest income to average assets | 0.8685% | 1,631 |
| Noninterest expense to average assets | 3.6140% | 1,272 |
| Loan and lease loss provision to assets | -0.3005% | 6,461 |
| Net operating income to assets | 2.8373% | 105 |
| Return on assets (ROA) | 2.8287% | 107 |
| Pretax return on assets | 0.7652% | 4,485 |
| Return on Equity (ROE) | 19.6759% | 302 |
| Retained earnings to average equity (ytd only) | 19.6759% | 72 |
| Net charge-offs to loans | 0.0487% | 3,525 |
| Credit loss provision to net charge-offs | -939.0863% | 5,862 |
| Earnings coverage of net charge-offs (x) | 14.7919% | 2,111 |
| Efficiency ratio | 88.3445% | 972 |
| Assets per employee ($millions) | 3.6598% | 4,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1696% | 986 |
| Loan loss allowance to noncurrent loans | 102.2058% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 1.8431% | 1,605 |
| Noncurrent loans to loans | 2.1228% | 1,470 |
| Net loans and leases to total assets | 64.5683% | 3,097 |
| Net loans and leases to deposits | 76.9132% | 3,078 |
| Net loans and leases to core deposits | 81.9824% | 3,101 |
| Total domestic deposits to total assets | 83.9495% | 3,788 |
| Equity capital to assets | 14.7189% | 803 |
| Core capital (leverage) ratio | 10.9732% | 2,517 |
| Tier 1 risk-based capital ratio | 15.5203% | 3,306 |
| Total risk-based capital ratio | 16.7815% | 3,236 |
| Memoranda: | ||
| Average total assets | $820,851,250 | 824 |
| Average earning assets | $715,457,750 | 860 |
| Average equity | $118,009,500 | 615 |
| Average total loans | $538,817,000 | 818 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8412% | 4,367 |
| Cost of funding earning assets | 0.2478% | 5,509 |
| Net interest margin | 3.5934% | 3,383 |
| Noninterest income to average assets | 0.8154% | 1,782 |
| Noninterest expense to average assets | 3.5814% | 1,329 |
| Loan and lease loss provision to assets | -0.3681% | 6,552 |
| Net operating income to assets | 3.9941% | 61 |
| Return on assets (ROA) | 3.9850% | 63 |
| Pretax return on assets | 0.7243% | 4,557 |
| Return on Equity (ROE) | 27.9470% | 75 |
| Retained earnings to average equity (ytd only) | 27.9470% | 35 |
| Net charge-offs to loans | 0.1000% | 2,681 |
| Credit loss provision to net charge-offs | -561.7978% | 5,595 |
| Earnings coverage of net charge-offs (x) | 5.5768% | 2,905 |
| Efficiency ratio | 90.6621% | 861 |
| Assets per employee ($millions) | 3.5862% | 4,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2419% | 968 |
| Loan loss allowance to noncurrent loans | 94.0929% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 2.3109% | 1,281 |
| Noncurrent loans to loans | 2.3827% | 1,336 |
| Net loans and leases to total assets | 65.2072% | 2,879 |
| Net loans and leases to deposits | 77.8971% | 2,811 |
| Net loans and leases to core deposits | 83.6462% | 2,777 |
| Total domestic deposits to total assets | 83.7094% | 4,030 |
| Equity capital to assets | 14.8980% | 724 |
| Core capital (leverage) ratio | 10.9312% | 2,494 |
| Tier 1 risk-based capital ratio | 15.3150% | 3,465 |
| Total risk-based capital ratio | 16.5773% | 3,406 |
| Memoranda: | ||
| Average total assets | $815,105,670 | 835 |
| Average earning assets | $710,307,670 | 864 |
| Average equity | $116,227,000 | 612 |
| Average total loans | $534,042,670 | 820 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7487% | 4,674 |
| Cost of funding earning assets | 0.2702% | 5,381 |
| Net interest margin | 3.4785% | 3,788 |
| Noninterest income to average assets | 0.8044% | 1,731 |
| Noninterest expense to average assets | 3.5964% | 1,312 |
| Loan and lease loss provision to assets | -0.5911% | 6,675 |
| Net operating income to assets | 7.6006% | 28 |
| Return on assets (ROA) | 7.5913% | 28 |
| Pretax return on assets | 0.8271% | 3,989 |
| Return on Equity (ROE) | 54.4720% | 19 |
| Retained earnings to average equity (ytd only) | 54.4720% | 12 |
| Net charge-offs to loans | 0.2254% | 1,420 |
| Credit loss provision to net charge-offs | -404.0404% | 5,143 |
| Earnings coverage of net charge-offs (x) | 1.6768% | 3,043 |
| Efficiency ratio | 93.5248% | 777 |
| Assets per employee ($millions) | 3.7496% | 4,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3481% | 966 |
| Loan loss allowance to noncurrent loans | 89.2547% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 2.6505% | 1,163 |
| Noncurrent loans to loans | 2.6308% | 1,304 |
| Net loans and leases to total assets | 63.5640% | 2,972 |
| Net loans and leases to deposits | 75.5367% | 2,866 |
| Net loans and leases to core deposits | 81.3846% | 2,807 |
| Total domestic deposits to total assets | 84.1498% | 4,225 |
| Equity capital to assets | 14.7226% | 730 |
| Core capital (leverage) ratio | 10.7089% | 2,694 |
| Tier 1 risk-based capital ratio | 15.3951% | 3,504 |
| Total risk-based capital ratio | 16.6588% | 3,449 |
| Memoranda: | ||
| Average total assets | $812,039,000 | 846 |
| Average earning assets | $709,043,000 | 874 |
| Average equity | $113,166,500 | 628 |
| Average total loans | $527,170,000 | 832 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0869% | 3,789 |
| Cost of funding earning assets | 0.3306% | 5,317 |
| Net interest margin | 3.7562% | 2,820 |
| Noninterest income to average assets | 0.6267% | 2,938 |
| Noninterest expense to average assets | 4.0304% | 848 |
| Loan and lease loss provision to assets | -0.7761% | 6,784 |
| Net operating income to assets | 0.6032% | 4,245 |
| Return on assets (ROA) | 0.5934% | 4,409 |
| Pretax return on assets | 0.6290% | 4,775 |
| Return on Equity (ROE) | 4.5049% | 4,891 |
| Retained earnings to average equity (ytd only) | 4.5049% | 2,972 |
| Net charge-offs to loans | -0.0965% | 6,468 |
| Credit loss provision to net charge-offs | 1,184.4660% | 216 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.3626% | 388 |
| Assets per employee ($millions) | 3.5527% | 4,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7024% | 664 |
| Loan loss allowance to noncurrent loans | 105.0161% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 3.1545% | 977 |
| Noncurrent loans to loans | 2.5734% | 1,455 |
| Net loans and leases to total assets | 62.9926% | 3,204 |
| Net loans and leases to deposits | 73.3326% | 3,354 |
| Net loans and leases to core deposits | 79.2882% | 3,208 |
| Total domestic deposits to total assets | 85.8998% | 3,313 |
| Equity capital to assets | 13.1317% | 1,216 |
| Core capital (leverage) ratio | 10.4151% | 3,004 |
| Tier 1 risk-based capital ratio | 15.4875% | 3,384 |
| Total risk-based capital ratio | 16.7558% | 3,322 |
| Memoranda: | ||
| Average total assets | $786,017,800 | 852 |
| Average earning assets | $683,528,000 | 887 |
| Average equity | $103,531,000 | 687 |
| Average total loans | $533,953,200 | 791 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1338% | 3,626 |
| Cost of funding earning assets | 0.3387% | 5,394 |
| Net interest margin | 3.7951% | 2,655 |
| Noninterest income to average assets | 0.4806% | 3,934 |
| Noninterest expense to average assets | 4.1174% | 755 |
| Loan and lease loss provision to assets | -1.0403% | 6,876 |
| Net operating income to assets | 0.6460% | 4,145 |
| Return on assets (ROA) | 0.6354% | 4,313 |
| Pretax return on assets | 0.6832% | 4,737 |
| Return on Equity (ROE) | 4.8206% | 4,811 |
| Retained earnings to average equity (ytd only) | 4.8206% | 3,215 |
| Net charge-offs to loans | -0.0404% | 6,246 |
| Credit loss provision to net charge-offs | 3,742.3313% | 87 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.9910% | 284 |
| Assets per employee ($millions) | 3.5127% | 4,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6102% | 824 |
| Loan loss allowance to noncurrent loans | 84.6739% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 3.3475% | 1,042 |
| Noncurrent loans to loans | 3.0826% | 1,294 |
| Net loans and leases to total assets | 64.9451% | 2,814 |
| Net loans and leases to deposits | 75.8432% | 2,983 |
| Net loans and leases to core deposits | 81.6826% | 2,910 |
| Total domestic deposits to total assets | 85.6307% | 3,437 |
| Equity capital to assets | 13.3484% | 1,185 |
| Core capital (leverage) ratio | 10.1958% | 3,407 |
| Tier 1 risk-based capital ratio | 14.7619% | 3,908 |
| Total risk-based capital ratio | 16.0293% | 3,851 |
| Memoranda: | ||
| Average total assets | $781,792,250 | 862 |
| Average earning assets | $677,807,500 | 894 |
| Average equity | $103,054,500 | 696 |
| Average total loans | $537,484,500 | 782 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1849% | 3,432 |
| Cost of funding earning assets | 0.3454% | 5,452 |
| Net interest margin | 3.8395% | 2,411 |
| Noninterest income to average assets | 0.2238% | 5,841 |
| Noninterest expense to average assets | 4.1904% | 703 |
| Loan and lease loss provision to assets | -1.5639% | 6,930 |
| Net operating income to assets | 0.8453% | 3,072 |
| Return on assets (ROA) | 0.8330% | 3,286 |
| Pretax return on assets | 0.9050% | 3,892 |
| Return on Equity (ROE) | 6.3460% | 3,970 |
| Retained earnings to average equity (ytd only) | 6.3460% | 2,236 |
| Net charge-offs to loans | -0.0605% | 6,333 |
| Credit loss provision to net charge-offs | 3,719.5122% | 82 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.9990% | 198 |
| Assets per employee ($millions) | 3.2597% | 5,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6008% | 882 |
| Loan loss allowance to noncurrent loans | 64.0346% | 4,623 |
| Noncurrent assets plus other real estate owned to assets | 3.9829% | 872 |
| Noncurrent loans to loans | 4.0615% | 949 |
| Net loans and leases to total assets | 66.3964% | 2,521 |
| Net loans and leases to deposits | 77.6904% | 2,607 |
| Net loans and leases to core deposits | 83.7029% | 2,597 |
| Total domestic deposits to total assets | 85.4628% | 3,664 |
| Equity capital to assets | 13.4741% | 1,149 |
| Core capital (leverage) ratio | 10.2658% | 3,145 |
| Tier 1 risk-based capital ratio | 14.5409% | 4,076 |
| Total risk-based capital ratio | 15.8082% | 4,033 |
| Memoranda: | ||
| Average total assets | $780,107,670 | 862 |
| Average earning assets | $674,564,670 | 901 |
| Average equity | $102,395,670 | 703 |
| Average total loans | $541,741,330 | 771 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1820% | 3,372 |
| Cost of funding earning assets | 0.3514% | 5,521 |
| Net interest margin | 3.8306% | 2,345 |
| Noninterest income to average assets | -0.0291% | 6,889 |
| Noninterest expense to average assets | 4.2195% | 695 |
| Loan and lease loss provision to assets | -1.8370% | 7,008 |
| Net operating income to assets | 0.7578% | 3,388 |
| Return on assets (ROA) | 0.7501% | 3,568 |
| Pretax return on assets | 0.8848% | 3,812 |
| Return on Equity (ROE) | 5.7905% | 4,155 |
| Retained earnings to average equity (ytd only) | 5.7905% | 2,787 |
| Net charge-offs to loans | 0.2840% | 1,828 |
| Credit loss provision to net charge-offs | -923.0769% | 5,612 |
| Earnings coverage of net charge-offs (x) | -4.7462% | 4,068 |
| Efficiency ratio | 128.5759% | 160 |
| Assets per employee ($millions) | 3.2563% | 5,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9139% | 721 |
| Loan loss allowance to noncurrent loans | 74.0217% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 4.2562% | 896 |
| Noncurrent loans to loans | 3.9365% | 1,155 |
| Net loans and leases to total assets | 67.2513% | 2,148 |
| Net loans and leases to deposits | 78.4015% | 2,285 |
| Net loans and leases to core deposits | 84.6329% | 2,249 |
| Total domestic deposits to total assets | 85.7780% | 3,646 |
| Equity capital to assets | 13.1974% | 1,342 |
| Core capital (leverage) ratio | 9.9886% | 3,398 |
| Tier 1 risk-based capital ratio | 14.0207% | 4,490 |
| Total risk-based capital ratio | 15.2923% | 4,437 |
| Memoranda: | ||
| Average total assets | $783,883,000 | 868 |
| Average earning assets | $676,133,000 | 902 |
| Average equity | $101,546,000 | 721 |
| Average total loans | $549,288,500 | 760 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0883% | 1,335 |
| Cost of funding earning assets | 0.4483% | 5,592 |
| Net interest margin | 4.6399% | 728 |
| Noninterest income to average assets | 0.7291% | 2,589 |
| Noninterest expense to average assets | 3.7252% | 1,371 |
| Loan and lease loss provision to assets | 2.6726% | 53 |
| Net operating income to assets | -1.7137% | 6,902 |
| Return on assets (ROA) | -1.7218% | 6,914 |
| Pretax return on assets | -1.6486% | 6,885 |
| Return on Equity (ROE) | -14.1980% | 6,811 |
| Retained earnings to average equity (ytd only) | -14.1980% | 6,758 |
| Net charge-offs to loans | 2.9156% | 181 |
| Credit loss provision to net charge-offs | 120.2646% | 2,385 |
| Earnings coverage of net charge-offs (x) | 0.4644% | 5,258 |
| Efficiency ratio | 78.1180% | 2,430 |
| Assets per employee ($millions) | 3.3879% | 5,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4951% | 427 |
| Loan loss allowance to noncurrent loans | 79.5986% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 5.1766% | 739 |
| Noncurrent loans to loans | 4.3909% | 989 |
| Net loans and leases to total assets | 68.3813% | 2,128 |
| Net loans and leases to deposits | 79.2674% | 2,375 |
| Net loans and leases to core deposits | 85.2234% | 2,402 |
| Total domestic deposits to total assets | 86.2666% | 3,222 |
| Equity capital to assets | 12.7166% | 1,582 |
| Core capital (leverage) ratio | 9.4972% | 4,105 |
| Tier 1 risk-based capital ratio | 12.9690% | 5,130 |
| Total risk-based capital ratio | 14.2474% | 5,044 |
| Memoranda: | ||
| Average total assets | $823,173,000 | 801 |
| Average earning assets | $714,624,400 | 836 |
| Average equity | $99,824,000 | 713 |
| Average total loans | $627,407,800 | 662 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1500% | 1,300 |
| Cost of funding earning assets | 0.4729% | 5,614 |
| Net interest margin | 4.6771% | 703 |
| Noninterest income to average assets | 0.6981% | 2,723 |
| Noninterest expense to average assets | 3.5988% | 1,560 |
| Loan and lease loss provision to assets | 3.5307% | 26 |
| Net operating income to assets | -2.4558% | 7,086 |
| Return on assets (ROA) | -2.4643% | 7,089 |
| Pretax return on assets | -2.3687% | 7,068 |
| Return on Equity (ROE) | -20.5598% | 6,996 |
| Retained earnings to average equity (ytd only) | -20.5598% | 6,980 |
| Net charge-offs to loans | 3.6833% | 110 |
| Credit loss provision to net charge-offs | 123.6928% | 2,339 |
| Earnings coverage of net charge-offs (x) | 0.4101% | 5,123 |
| Efficiency ratio | 75.2675% | 2,783 |
| Assets per employee ($millions) | 3.4969% | 4,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4517% | 484 |
| Loan loss allowance to noncurrent loans | 71.8490% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 5.8911% | 691 |
| Noncurrent loans to loans | 4.8040% | 959 |
| Net loans and leases to total assets | 69.7400% | 1,963 |
| Net loans and leases to deposits | 80.4856% | 2,318 |
| Net loans and leases to core deposits | 87.0096% | 2,343 |
| Total domestic deposits to total assets | 86.6490% | 2,884 |
| Equity capital to assets | 12.3141% | 2,027 |
| Core capital (leverage) ratio | 9.0899% | 4,926 |
| Tier 1 risk-based capital ratio | 12.1326% | 5,864 |
| Total risk-based capital ratio | 13.4103% | 5,820 |
| Memoranda: | ||
| Average total assets | $830,775,750 | 796 |
| Average earning assets | $723,163,500 | 832 |
| Average equity | $99,577,000 | 716 |
| Average total loans | $643,826,250 | 647 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1608% | 1,350 |
| Cost of funding earning assets | 0.4972% | 5,638 |
| Net interest margin | 4.6637% | 723 |
| Noninterest income to average assets | 0.6395% | 3,007 |
| Noninterest expense to average assets | 3.5576% | 1,664 |
| Loan and lease loss provision to assets | 5.1286% | 14 |
| Net operating income to assets | -4.1136% | 7,196 |
| Return on assets (ROA) | -4.1231% | 7,196 |
| Pretax return on assets | -3.9814% | 7,188 |
| Return on Equity (ROE) | -34.7045% | 7,129 |
| Retained earnings to average equity (ytd only) | -34.7045% | 7,122 |
| Net charge-offs to loans | 4.9565% | 63 |
| Credit loss provision to net charge-offs | 130.6673% | 2,100 |
| Earnings coverage of net charge-offs (x) | 0.2947% | 4,933 |
| Efficiency ratio | 75.2669% | 2,852 |
| Assets per employee ($millions) | 3.5658% | 4,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3924% | 542 |
| Loan loss allowance to noncurrent loans | 57.0170% | 4,784 |
| Noncurrent assets plus other real estate owned to assets | 7.2394% | 523 |
| Noncurrent loans to loans | 5.9498% | 741 |
| Net loans and leases to total assets | 73.4617% | 1,335 |
| Net loans and leases to deposits | 84.5213% | 1,786 |
| Net loans and leases to core deposits | 91.5361% | 1,816 |
| Total domestic deposits to total assets | 86.9150% | 2,823 |
| Equity capital to assets | 12.0009% | 2,148 |
| Core capital (leverage) ratio | 9.3516% | 4,369 |
| Tier 1 risk-based capital ratio | 11.9073% | 5,988 |
| Total risk-based capital ratio | 13.1842% | 5,940 |
| Memoranda: | ||
| Average total assets | $838,440,330 | 793 |
| Average earning assets | $732,554,330 | 826 |
| Average equity | $99,612,330 | 721 |
| Average total loans | $663,939,330 | 629 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0717% | 1,659 |
| Cost of funding earning assets | 0.5103% | 5,747 |
| Net interest margin | 4.5614% | 889 |
| Noninterest income to average assets | 0.5221% | 3,769 |
| Noninterest expense to average assets | 3.4611% | 1,841 |
| Loan and lease loss provision to assets | 8.2240% | 8 |
| Net operating income to assets | -7.4317% | 7,290 |
| Return on assets (ROA) | -7.4420% | 7,290 |
| Pretax return on assets | -7.1699% | 7,287 |
| Return on Equity (ROE) | -62.9440% | 7,244 |
| Retained earnings to average equity (ytd only) | -62.9440% | 7,236 |
| Net charge-offs to loans | 7.8654% | 34 |
| Credit loss provision to net charge-offs | 129.5816% | 1,873 |
| Earnings coverage of net charge-offs (x) | 0.1677% | 4,288 |
| Efficiency ratio | 76.2721% | 2,749 |
| Assets per employee ($millions) | 3.8016% | 4,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9069% | 906 |
| Loan loss allowance to noncurrent loans | 45.1079% | 5,347 |
| Noncurrent assets plus other real estate owned to assets | 7.3858% | 553 |
| Noncurrent loans to loans | 6.4444% | 743 |
| Net loans and leases to total assets | 78.1358% | 577 |
| Net loans and leases to deposits | 89.2530% | 1,037 |
| Net loans and leases to core deposits | 96.2963% | 1,276 |
| Total domestic deposits to total assets | 87.5442% | 2,628 |
| Equity capital to assets | 11.3144% | 2,615 |
| Core capital (leverage) ratio | 8.7612% | 5,182 |
| Tier 1 risk-based capital ratio | 10.8397% | 6,603 |
| Total risk-based capital ratio | 12.1101% | 6,585 |
| Memoranda: | ||
| Average total assets | $851,164,500 | 778 |
| Average earning assets | $747,051,000 | 810 |
| Average equity | $100,635,500 | 709 |
| Average total loans | $686,804,000 | 602 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5518% | 1,051 |
| Cost of funding earning assets | 0.6756% | 5,681 |
| Net interest margin | 4.8763% | 537 |
| Noninterest income to average assets | 0.7124% | 2,536 |
| Noninterest expense to average assets | 3.7799% | 1,383 |
| Loan and lease loss provision to assets | 1.4510% | 524 |
| Net operating income to assets | -1.2824% | 6,850 |
| Return on assets (ROA) | -1.2904% | 6,870 |
| Pretax return on assets | -0.3116% | 6,358 |
| Return on Equity (ROE) | -9.5733% | 6,727 |
| Retained earnings to average equity (ytd only) | -9.5733% | 6,686 |
| Net charge-offs to loans | 2.4696% | 477 |
| Credit loss provision to net charge-offs | 72.9173% | 4,738 |
| Earnings coverage of net charge-offs (x) | 0.5766% | 5,398 |
| Efficiency ratio | 75.7994% | 2,914 |
| Assets per employee ($millions) | 3.8497% | 4,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3526% | 4,655 |
| Loan loss allowance to noncurrent loans | 32.4435% | 6,048 |
| Noncurrent assets plus other real estate owned to assets | 4.9992% | 1,072 |
| Noncurrent loans to loans | 4.1690% | 1,472 |
| Net loans and leases to total assets | 79.8105% | 516 |
| Net loans and leases to deposits | 92.2065% | 951 |
| Net loans and leases to core deposits | 100.1262% | 1,165 |
| Total domestic deposits to total assets | 86.5563% | 3,006 |
| Equity capital to assets | 12.3326% | 1,888 |
| Core capital (leverage) ratio | 9.7415% | 3,686 |
| Tier 1 risk-based capital ratio | 11.8884% | 5,908 |
| Total risk-based capital ratio | 13.1400% | 5,888 |
| Memoranda: | ||
| Average total assets | $851,116,200 | 765 |
| Average earning assets | $735,685,000 | 807 |
| Average equity | $114,725,200 | 601 |
| Average total loans | $685,817,800 | 603 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6411% | 958 |
| Cost of funding earning assets | 0.7032% | 5,747 |
| Net interest margin | 4.9379% | 470 |
| Noninterest income to average assets | 0.7406% | 2,364 |
| Noninterest expense to average assets | 3.7209% | 1,451 |
| Loan and lease loss provision to assets | 0.6657% | 1,454 |
| Net operating income to assets | 0.4052% | 4,970 |
| Return on assets (ROA) | 0.3969% | 5,195 |
| Pretax return on assets | 0.5946% | 4,825 |
| Return on Equity (ROE) | 2.8833% | 5,468 |
| Retained earnings to average equity (ytd only) | 2.8833% | 4,630 |
| Net charge-offs to loans | 1.2679% | 1,225 |
| Credit loss provision to net charge-offs | 65.2241% | 4,622 |
| Earnings coverage of net charge-offs (x) | 1.2429% | 4,682 |
| Efficiency ratio | 73.6736% | 3,244 |
| Assets per employee ($millions) | 3.7094% | 4,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6799% | 3,343 |
| Loan loss allowance to noncurrent loans | 41.5586% | 5,528 |
| Noncurrent assets plus other real estate owned to assets | 5.2573% | 1,085 |
| Noncurrent loans to loans | 4.0421% | 1,639 |
| Net loans and leases to total assets | 79.1033% | 597 |
| Net loans and leases to deposits | 93.1614% | 905 |
| Net loans and leases to core deposits | 101.4704% | 1,120 |
| Total domestic deposits to total assets | 84.9100% | 3,810 |
| Equity capital to assets | 13.7643% | 1,262 |
| Core capital (leverage) ratio | 10.7882% | 2,583 |
| Tier 1 risk-based capital ratio | 13.0319% | 5,076 |
| Total risk-based capital ratio | 14.2874% | 5,038 |
| Memoranda: | ||
| Average total assets | $851,201,250 | 775 |
| Average earning assets | $732,439,250 | 819 |
| Average equity | $117,175,750 | 598 |
| Average total loans | $685,192,500 | 607 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7372% | 819 |
| Cost of funding earning assets | 0.7294% | 5,783 |
| Net interest margin | 5.0078% | 389 |
| Noninterest income to average assets | 0.7320% | 2,368 |
| Noninterest expense to average assets | 3.8030% | 1,341 |
| Loan and lease loss provision to assets | 0.4834% | 2,039 |
| Net operating income to assets | 0.4971% | 4,510 |
| Return on assets (ROA) | 0.4908% | 4,681 |
| Pretax return on assets | 0.7443% | 4,233 |
| Return on Equity (ROE) | 3.5649% | 5,124 |
| Retained earnings to average equity (ytd only) | 3.5649% | 3,966 |
| Net charge-offs to loans | 1.1201% | 1,404 |
| Credit loss provision to net charge-offs | 53.6088% | 4,493 |
| Earnings coverage of net charge-offs (x) | 1.3685% | 4,256 |
| Efficiency ratio | 74.6056% | 3,252 |
| Assets per employee ($millions) | 3.6658% | 4,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7590% | 3,126 |
| Loan loss allowance to noncurrent loans | 104.1670% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 3.4985% | 1,884 |
| Noncurrent loans to loans | 1.6886% | 3,894 |
| Net loans and leases to total assets | 77.6121% | 827 |
| Net loans and leases to deposits | 91.0309% | 1,152 |
| Net loans and leases to core deposits | 98.3028% | 1,486 |
| Total domestic deposits to total assets | 85.2591% | 3,750 |
| Equity capital to assets | 13.5105% | 1,287 |
| Core capital (leverage) ratio | 11.0193% | 2,232 |
| Tier 1 risk-based capital ratio | 13.4600% | 4,563 |
| Total risk-based capital ratio | 14.7161% | 4,534 |
| Memoranda: | ||
| Average total assets | $848,074,330 | 784 |
| Average earning assets | $729,062,000 | 829 |
| Average equity | $116,750,000 | 601 |
| Average total loans | $682,796,670 | 620 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8288% | 696 |
| Cost of funding earning assets | 0.7742% | 5,721 |
| Net interest margin | 5.0546% | 339 |
| Noninterest income to average assets | 0.6709% | 2,724 |
| Noninterest expense to average assets | 3.9317% | 1,132 |
| Loan and lease loss provision to assets | 0.2393% | 3,278 |
| Net operating income to assets | 0.5274% | 4,369 |
| Return on assets (ROA) | 0.5221% | 4,481 |
| Pretax return on assets | 0.8154% | 3,847 |
| Return on Equity (ROE) | 3.7560% | 5,019 |
| Retained earnings to average equity (ytd only) | 3.7560% | 3,917 |
| Net charge-offs to loans | 0.8676% | 1,523 |
| Credit loss provision to net charge-offs | 33.9213% | 4,053 |
| Earnings coverage of net charge-offs (x) | 1.5027% | 3,581 |
| Efficiency ratio | 77.8353% | 2,869 |
| Assets per employee ($millions) | 3.5548% | 4,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8862% | 2,738 |
| Loan loss allowance to noncurrent loans | 106.3096% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 3.7134% | 1,820 |
| Noncurrent loans to loans | 1.7742% | 3,859 |
| Net loans and leases to total assets | 79.4546% | 569 |
| Net loans and leases to deposits | 93.6179% | 862 |
| Net loans and leases to core deposits | 101.5007% | 1,236 |
| Total domestic deposits to total assets | 84.8712% | 4,096 |
| Equity capital to assets | 13.7997% | 1,068 |
| Core capital (leverage) ratio | 11.2415% | 2,009 |
| Tier 1 risk-based capital ratio | 13.3508% | 4,543 |
| Total risk-based capital ratio | 14.6084% | 4,516 |
| Memoranda: | ||
| Average total assets | $835,876,000 | 801 |
| Average earning assets | $714,517,000 | 860 |
| Average equity | $116,187,500 | 595 |
| Average total loans | $679,561,500 | 633 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0499% | 774 |
| Cost of funding earning assets | 1.0480% | 5,440 |
| Net interest margin | 5.0019% | 429 |
| Noninterest income to average assets | 0.8085% | 2,241 |
| Noninterest expense to average assets | 3.9669% | 1,212 |
| Loan and lease loss provision to assets | 1.2332% | 1,257 |
| Net operating income to assets | -0.0328% | 5,898 |
| Return on assets (ROA) | -0.0450% | 6,006 |
| Pretax return on assets | -0.1098% | 6,008 |
| Return on Equity (ROE) | -0.3445% | 6,006 |
| Retained earnings to average equity (ytd only) | -0.6164% | 5,733 |
| Net charge-offs to loans | 1.4998% | 1,468 |
| Credit loss provision to net charge-offs | 98.1823% | 4,715 |
| Earnings coverage of net charge-offs (x) | 0.9071% | 5,207 |
| Efficiency ratio | 76.7942% | 2,905 |
| Assets per employee ($millions) | 3.5901% | 4,728 |
| Cash dividends to net income (ytd only)* | -78.9474% | 7,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0619% | 2,148 |
| Loan loss allowance to noncurrent loans | 91.6991% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 5.5538% | 1,111 |
| Noncurrent loans to loans | 2.2486% | 3,276 |
| Net loans and leases to total assets | 79.9413% | 668 |
| Net loans and leases to deposits | 94.5556% | 1,006 |
| Net loans and leases to core deposits | 102.6716% | 1,404 |
| Total domestic deposits to total assets | 84.5442% | 4,089 |
| Equity capital to assets | 14.0030% | 1,039 |
| Core capital (leverage) ratio | 11.3837% | 1,901 |
| Tier 1 risk-based capital ratio | 13.1260% | 4,506 |
| Total risk-based capital ratio | 14.3853% | 4,454 |
| Memoranda: | ||
| Average total assets | $845,355,400 | 796 |
| Average earning assets | $726,344,400 | 843 |
| Average equity | $110,313,400 | 608 |
| Average total loans | $707,959,400 | 614 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0406% | 859 |
| Cost of funding earning assets | 1.0914% | 5,473 |
| Net interest margin | 4.9492% | 488 |
| Noninterest income to average assets | 0.8262% | 2,095 |
| Noninterest expense to average assets | 4.0153% | 1,026 |
| Loan and lease loss provision to assets | 1.3838% | 980 |
| Net operating income to assets | -0.1703% | 6,279 |
| Return on assets (ROA) | -0.1847% | 6,373 |
| Pretax return on assets | -0.3266% | 6,429 |
| Return on Equity (ROE) | -1.4411% | 6,330 |
| Retained earnings to average equity (ytd only) | -1.8081% | 6,163 |
| Net charge-offs to loans | 1.8578% | 1,034 |
| Credit loss provision to net charge-offs | 88.4003% | 4,830 |
| Earnings coverage of net charge-offs (x) | 0.6878% | 5,361 |
| Efficiency ratio | 77.9595% | 2,627 |
| Assets per employee ($millions) | 3.7603% | 4,367 |
| Cash dividends to net income (ytd only)* | -25.4669% | 7,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8669% | 2,585 |
| Loan loss allowance to noncurrent loans | 40.8671% | 5,565 |
| Noncurrent assets plus other real estate owned to assets | 6.0763% | 978 |
| Noncurrent loans to loans | 4.5682% | 1,570 |
| Net loans and leases to total assets | 80.3445% | 688 |
| Net loans and leases to deposits | 94.4518% | 1,151 |
| Net loans and leases to core deposits | 104.5719% | 1,435 |
| Total domestic deposits to total assets | 85.0640% | 3,593 |
| Equity capital to assets | 13.5947% | 1,315 |
| Core capital (leverage) ratio | 10.9983% | 2,265 |
| Tier 1 risk-based capital ratio | 12.8129% | 4,724 |
| Total risk-based capital ratio | 14.0702% | 4,701 |
| Memoranda: | ||
| Average total assets | $850,265,000 | 794 |
| Average earning assets | $732,839,250 | 836 |
| Average equity | $108,985,500 | 605 |
| Average total loans | $716,452,750 | 608 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0903% | 772 |
| Cost of funding earning assets | 1.1351% | 5,488 |
| Net interest margin | 4.9553% | 465 |
| Noninterest income to average assets | 0.7928% | 2,158 |
| Noninterest expense to average assets | 4.3083% | 723 |
| Loan and lease loss provision to assets | 1.6791% | 756 |
| Net operating income to assets | -0.5697% | 6,720 |
| Return on assets (ROA) | -0.5894% | 6,764 |
| Pretax return on assets | -0.9457% | 6,864 |
| Return on Equity (ROE) | -4.6928% | 6,669 |
| Retained earnings to average equity (ytd only) | -5.2536% | 6,582 |
| Net charge-offs to loans | 1.9562% | 936 |
| Credit loss provision to net charge-offs | 100.9174% | 4,039 |
| Earnings coverage of net charge-offs (x) | 0.4572% | 5,255 |
| Efficiency ratio | 84.0769% | 1,912 |
| Assets per employee ($millions) | 3.7177% | 4,413 |
| Cash dividends to net income (ytd only)* | -11.9522% | 7,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9879% | 2,218 |
| Loan loss allowance to noncurrent loans | 49.4273% | 4,994 |
| Noncurrent assets plus other real estate owned to assets | 5.0488% | 1,270 |
| Noncurrent loans to loans | 4.0219% | 1,883 |
| Net loans and leases to total assets | 80.9151% | 677 |
| Net loans and leases to deposits | 97.3885% | 928 |
| Net loans and leases to core deposits | 107.5950% | 1,335 |
| Total domestic deposits to total assets | 83.0849% | 4,538 |
| Equity capital to assets | 12.3709% | 1,886 |
| Core capital (leverage) ratio | 9.7806% | 3,432 |
| Tier 1 risk-based capital ratio | 11.3551% | 5,903 |
| Total risk-based capital ratio | 12.6138% | 5,876 |
| Memoranda: | ||
| Average total assets | $851,661,000 | 791 |
| Average earning assets | $734,935,330 | 838 |
| Average equity | $106,973,330 | 615 |
| Average total loans | $724,367,670 | 605 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0775% | 817 |
| Cost of funding earning assets | 1.2020% | 5,397 |
| Net interest margin | 4.8755% | 556 |
| Noninterest income to average assets | 0.5743% | 3,464 |
| Noninterest expense to average assets | 5.2841% | 299 |
| Loan and lease loss provision to assets | 2.7652% | 373 |
| Net operating income to assets | -2.0836% | 7,483 |
| Return on assets (ROA) | -2.1162% | 7,491 |
| Pretax return on assets | -3.3258% | 7,625 |
| Return on Equity (ROE) | -16.7193% | 7,360 |
| Retained earnings to average equity (ytd only) | -17.8396% | 7,306 |
| Net charge-offs to loans | 3.4676% | 413 |
| Credit loss provision to net charge-offs | 92.3733% | 3,605 |
| Earnings coverage of net charge-offs (x) | -0.1713% | 5,150 |
| Efficiency ratio | 109.7682% | 605 |
| Assets per employee ($millions) | 3.5908% | 4,846 |
| Cash dividends to net income (ytd only)* | -6.7009% | 7,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8740% | 2,518 |
| Loan loss allowance to noncurrent loans | 46.7003% | 5,230 |
| Noncurrent assets plus other real estate owned to assets | 5.0754% | 1,256 |
| Noncurrent loans to loans | 4.0129% | 1,950 |
| Net loans and leases to total assets | 85.1633% | 275 |
| Net loans and leases to deposits | 103.4333% | 566 |
| Net loans and leases to core deposits | 112.8386% | 1,114 |
| Total domestic deposits to total assets | 82.3364% | 4,916 |
| Equity capital to assets | 12.5168% | 1,748 |
| Core capital (leverage) ratio | 9.8360% | 3,360 |
| Tier 1 risk-based capital ratio | 10.8509% | 6,292 |
| Total risk-based capital ratio | 12.1082% | 6,271 |
| Memoranda: | ||
| Average total assets | $846,239,000 | 814 |
| Average earning assets | $728,454,000 | 861 |
| Average equity | $107,110,000 | 613 |
| Average total loans | $730,525,500 | 617 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1434% | 1,394 |
| Cost of funding earning assets | 1.5103% | 5,472 |
| Net interest margin | 4.6331% | 929 |
| Noninterest income to average assets | 0.8439% | 2,208 |
| Noninterest expense to average assets | 3.2312% | 3,271 |
| Loan and lease loss provision to assets | 1.6827% | 1,358 |
| Net operating income to assets | -0.0204% | 5,529 |
| Return on assets (ROA) | -0.0519% | 5,612 |
| Pretax return on assets | -0.0978% | 5,597 |
| Return on Equity (ROE) | -0.4263% | 5,607 |
| Retained earnings to average equity (ytd only) | -0.4263% | 5,074 |
| Net charge-offs to loans | 1.5034% | 1,668 |
| Credit loss provision to net charge-offs | 129.5515% | 3,953 |
| Earnings coverage of net charge-offs (x) | 1.2575% | 4,868 |
| Efficiency ratio | 65.4584% | 5,498 |
| Assets per employee ($millions) | 3.6111% | 4,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9174% | 2,222 |
| Loan loss allowance to noncurrent loans | 42.3611% | 5,588 |
| Noncurrent assets plus other real estate owned to assets | 6.5802% | 821 |
| Noncurrent loans to loans | 4.5262% | 1,571 |
| Net loans and leases to total assets | 84.2265% | 406 |
| Net loans and leases to deposits | 105.9342% | 549 |
| Net loans and leases to core deposits | 141.9882% | 733 |
| Total domestic deposits to total assets | 79.5083% | 5,844 |
| Equity capital to assets | 12.7944% | 1,597 |
| Core capital (leverage) ratio | 10.1689% | 2,924 |
| Tier 1 risk-based capital ratio | 11.1908% | 5,733 |
| Total risk-based capital ratio | 12.4484% | 5,676 |
| Memoranda: | ||
| Average total assets | $894,383,400 | 755 |
| Average earning assets | $776,138,000 | 796 |
| Average equity | $108,848,600 | 600 |
| Average total loans | $772,716,600 | 596 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1245% | 1,564 |
| Cost of funding earning assets | 1.5647% | 5,571 |
| Net interest margin | 4.5598% | 1,058 |
| Noninterest income to average assets | 0.8544% | 2,182 |
| Noninterest expense to average assets | 3.1495% | 3,462 |
| Loan and lease loss provision to assets | 1.5560% | 1,223 |
| Net operating income to assets | 0.0865% | 5,510 |
| Return on assets (ROA) | 0.0901% | 5,547 |
| Pretax return on assets | 0.1245% | 5,473 |
| Return on Equity (ROE) | 0.7495% | 5,565 |
| Retained earnings to average equity (ytd only) | 0.7495% | 4,870 |
| Net charge-offs to loans | 1.4542% | 1,418 |
| Credit loss provision to net charge-offs | 123.6666% | 4,076 |
| Earnings coverage of net charge-offs (x) | 1.3316% | 4,789 |
| Efficiency ratio | 64.2977% | 5,688 |
| Assets per employee ($millions) | 3.5478% | 4,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7074% | 2,599 |
| Loan loss allowance to noncurrent loans | 40.0019% | 5,678 |
| Noncurrent assets plus other real estate owned to assets | 6.0518% | 884 |
| Noncurrent loans to loans | 4.2682% | 1,686 |
| Net loans and leases to total assets | 84.6543% | 468 |
| Net loans and leases to deposits | 109.9767% | 463 |
| Net loans and leases to core deposits | 146.2103% | 679 |
| Total domestic deposits to total assets | 76.9748% | 6,341 |
| Equity capital to assets | 12.7910% | 1,790 |
| Core capital (leverage) ratio | 10.2039% | 3,063 |
| Tier 1 risk-based capital ratio | 11.1687% | 5,795 |
| Total risk-based capital ratio | 12.4237% | 5,730 |
| Memoranda: | ||
| Average total assets | $904,024,500 | 758 |
| Average earning assets | $787,202,500 | 793 |
| Average equity | $108,686,500 | 611 |
| Average total loans | $782,166,500 | 602 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0795% | 1,856 |
| Cost of funding earning assets | 1.6631% | 5,456 |
| Net interest margin | 4.4163% | 1,376 |
| Noninterest income to average assets | 0.9020% | 1,983 |
| Noninterest expense to average assets | 3.1488% | 3,508 |
| Loan and lease loss provision to assets | 1.6013% | 1,057 |
| Net operating income to assets | 0.0032% | 5,825 |
| Return on assets (ROA) | 0.0401% | 5,819 |
| Pretax return on assets | 0.0560% | 5,771 |
| Return on Equity (ROE) | 0.3402% | 5,830 |
| Retained earnings to average equity (ytd only) | 0.3402% | 5,084 |
| Net charge-offs to loans | 1.3485% | 1,381 |
| Credit loss provision to net charge-offs | 137.0502% | 3,410 |
| Earnings coverage of net charge-offs (x) | 1.3746% | 4,498 |
| Efficiency ratio | 65.2096% | 5,674 |
| Assets per employee ($millions) | 3.6755% | 4,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6369% | 2,587 |
| Loan loss allowance to noncurrent loans | 34.2442% | 6,166 |
| Noncurrent assets plus other real estate owned to assets | 5.7612% | 855 |
| Noncurrent loans to loans | 4.7800% | 1,311 |
| Net loans and leases to total assets | 82.6952% | 827 |
| Net loans and leases to deposits | 116.8704% | 303 |
| Net loans and leases to core deposits | 145.3855% | 781 |
| Total domestic deposits to total assets | 70.7581% | 7,400 |
| Equity capital to assets | 11.9297% | 2,247 |
| Core capital (leverage) ratio | 9.4964% | 3,891 |
| Tier 1 risk-based capital ratio | 10.6594% | 6,226 |
| Total risk-based capital ratio | 11.9135% | 6,156 |
| Memoranda: | ||
| Average total assets | $917,997,330 | 766 |
| Average earning assets | $800,890,000 | 794 |
| Average equity | $108,158,000 | 622 |
| Average total loans | $795,393,000 | 611 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1204% | 1,874 |
| Cost of funding earning assets | 1.8569% | 4,842 |
| Net interest margin | 4.2634% | 1,692 |
| Noninterest income to average assets | 0.9068% | 1,822 |
| Noninterest expense to average assets | 2.9504% | 3,971 |
| Loan and lease loss provision to assets | 2.1797% | 541 |
| Net operating income to assets | -0.3230% | 6,705 |
| Return on assets (ROA) | -0.1683% | 6,601 |
| Pretax return on assets | -0.2341% | 6,609 |
| Return on Equity (ROE) | -1.4372% | 6,604 |
| Retained earnings to average equity (ytd only) | -1.4372% | 5,986 |
| Net charge-offs to loans | 1.4868% | 971 |
| Credit loss provision to net charge-offs | 166.7222% | 2,552 |
| Earnings coverage of net charge-offs (x) | 1.3238% | 4,081 |
| Efficiency ratio | 61.8830% | 6,071 |
| Assets per employee ($millions) | 3.6946% | 4,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5873% | 2,572 |
| Loan loss allowance to noncurrent loans | 52.3445% | 5,065 |
| Noncurrent assets plus other real estate owned to assets | 4.2030% | 1,194 |
| Noncurrent loans to loans | 3.0324% | 2,153 |
| Net loans and leases to total assets | 86.0049% | 449 |
| Net loans and leases to deposits | 116.9265% | 360 |
| Net loans and leases to core deposits | 148.4386% | 758 |
| Total domestic deposits to total assets | 73.5547% | 6,957 |
| Equity capital to assets | 11.9407% | 2,297 |
| Core capital (leverage) ratio | 9.4982% | 3,990 |
| Tier 1 risk-based capital ratio | 10.2059% | 6,712 |
| Total risk-based capital ratio | 11.4594% | 6,619 |
| Memoranda: | ||
| Average total assets | $917,560,000 | 767 |
| Average earning assets | $812,300,500 | 785 |
| Average equity | $107,427,500 | 624 |
| Average total loans | $806,835,500 | 610 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0630% | 987 |
| Cost of funding earning assets | 2.5267% | 4,064 |
| Net interest margin | 4.5362% | 1,337 |
| Noninterest income to average assets | 0.8828% | 2,043 |
| Noninterest expense to average assets | 3.0803% | 3,782 |
| Loan and lease loss provision to assets | 1.8608% | 673 |
| Net operating income to assets | -0.0169% | 6,397 |
| Return on assets (ROA) | 0.0322% | 6,135 |
| Pretax return on assets | 0.0127% | 6,131 |
| Return on Equity (ROE) | 0.2694% | 6,145 |
| Retained earnings to average equity (ytd only) | 0.2694% | 5,077 |
| Net charge-offs to loans | 1.5110% | 768 |
| Credit loss provision to net charge-offs | 140.2829% | 3,785 |
| Earnings coverage of net charge-offs (x) | 1.3754% | 5,440 |
| Efficiency ratio | 61.8960% | 5,974 |
| Assets per employee ($millions) | 3.6464% | 4,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3059% | 3,740 |
| Loan loss allowance to noncurrent loans | 44.6521% | 5,773 |
| Noncurrent assets plus other real estate owned to assets | 2.9089% | 1,596 |
| Noncurrent loans to loans | 2.9246% | 1,840 |
| Net loans and leases to total assets | 87.3122% | 436 |
| Net loans and leases to deposits | 116.6228% | 499 |
| Net loans and leases to core deposits | 148.4773% | 914 |
| Total domestic deposits to total assets | 74.8672% | 6,482 |
| Equity capital to assets | 11.4777% | 2,647 |
| Core capital (leverage) ratio | 8.8236% | 5,001 |
| Tier 1 risk-based capital ratio | 9.4824% | 7,326 |
| Total risk-based capital ratio | 10.7328% | 7,246 |
| Memoranda: | ||
| Average total assets | $879,390,000 | 768 |
| Average earning assets | $779,699,000 | 792 |
| Average equity | $105,065,400 | 642 |
| Average total loans | $772,021,000 | 618 |