Home > Springs Valley Bank & Trust Company > Performance and Condition Ratios
Springs Valley Bank & Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4509% | 1,234 |
| Cost of funding earning assets | 2.1516% | 698 |
| Net interest margin | 3.2993% | 2,636 |
| Noninterest income to average assets | 1.4400% | 406 |
| Noninterest expense to average assets | 3.3036% | 734 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.9315% | 2,440 |
| Return on assets (ROA) | 0.9315% | 2,416 |
| Pretax return on assets | 1.0990% | 2,412 |
| Return on Equity (ROE) | 8.9300% | 2,773 |
| Retained earnings to average equity (ytd only) | 8.0885% | 1,511 |
| Net charge-offs to loans | 0.1129% | 840 |
| Credit loss provision to net charge-offs | 111.8868% | 1,744 |
| Earnings coverage of net charge-offs (x) | 13.1849% | 2,119 |
| Efficiency ratio | 73.4921% | 1,503 |
| Assets per employee ($millions) | 5.0661% | 3,590 |
| Cash dividends to net income (ytd only)* | 9.4454% | 3,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4383% | 1,242 |
| Loan loss allowance to noncurrent loans | 193.9276% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 0.5936% | 931 |
| Noncurrent loans to loans | 0.7417% | 1,051 |
| Net loans and leases to total assets | 77.8300% | 882 |
| Net loans and leases to deposits | 89.3048% | 1,321 |
| Net loans and leases to core deposits | 97.9401% | 1,546 |
| Total domestic deposits to total assets | 87.1500% | 1,629 |
| Equity capital to assets | 10.4565% | 1,744 |
| Core capital (leverage) ratio | 11.2897% | 1,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7464% | 1,959 |
| Memoranda: | ||
| Average total assets | $586,451,800 | 1,509 |
| Average earning assets | $542,938,600 | 1,516 |
| Average equity | $61,161,200 | 1,377 |
| Average total loans | $469,328,200 | 1,299 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3866% | 1,151 |
| Cost of funding earning assets | 2.0124% | 692 |
| Net interest margin | 3.3742% | 2,510 |
| Noninterest income to average assets | 1.4700% | 394 |
| Noninterest expense to average assets | 3.2734% | 748 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.0111% | 2,337 |
| Return on assets (ROA) | 1.0111% | 2,320 |
| Pretax return on assets | 1.2043% | 2,287 |
| Return on Equity (ROE) | 9.7000% | 2,735 |
| Retained earnings to average equity (ytd only) | 8.5986% | 1,793 |
| Net charge-offs to loans | 0.1168% | 690 |
| Credit loss provision to net charge-offs | 117.8922% | 1,496 |
| Earnings coverage of net charge-offs (x) | 14.0147% | 2,016 |
| Efficiency ratio | 71.3427% | 1,637 |
| Assets per employee ($millions) | 4.8633% | 3,702 |
| Cash dividends to net income (ytd only)* | 11.3714% | 2,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4684% | 1,199 |
| Loan loss allowance to noncurrent loans | 181.0439% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 0.6683% | 856 |
| Noncurrent loans to loans | 0.8111% | 1,023 |
| Net loans and leases to total assets | 80.1700% | 620 |
| Net loans and leases to deposits | 91.9327% | 1,055 |
| Net loans and leases to core deposits | 101.5454% | 1,238 |
| Total domestic deposits to total assets | 87.2000% | 1,828 |
| Equity capital to assets | 10.4483% | 1,574 |
| Core capital (leverage) ratio | 11.3599% | 1,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7910% | 1,977 |
| Memoranda: | ||
| Average total assets | $579,815,000 | 1,528 |
| Average earning assets | $536,526,750 | 1,536 |
| Average equity | $60,427,000 | 1,376 |
| Average total loans | $465,648,500 | 1,301 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2803% | 1,109 |
| Cost of funding earning assets | 1.8829% | 634 |
| Net interest margin | 3.3974% | 2,524 |
| Noninterest income to average assets | 1.3700% | 364 |
| Noninterest expense to average assets | 3.2619% | 729 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 0.9548% | 2,567 |
| Return on assets (ROA) | 0.9548% | 2,557 |
| Pretax return on assets | 1.1307% | 2,563 |
| Return on Equity (ROE) | 9.1700% | 2,937 |
| Retained earnings to average equity (ytd only) | 9.1694% | 1,639 |
| Net charge-offs to loans | 0.0415% | 1,098 |
| Credit loss provision to net charge-offs | 358.3333% | 776 |
| Earnings coverage of net charge-offs (x) | 37.6563% | 1,433 |
| Efficiency ratio | 72.3010% | 1,521 |
| Assets per employee ($millions) | 4.7598% | 3,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5193% | 1,118 |
| Loan loss allowance to noncurrent loans | 210.5775% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.5651% | 959 |
| Noncurrent loans to loans | 0.7215% | 1,040 |
| Net loans and leases to total assets | 76.0400% | 1,043 |
| Net loans and leases to deposits | 86.6476% | 1,450 |
| Net loans and leases to core deposits | 96.1126% | 1,463 |
| Total domestic deposits to total assets | 87.7600% | 1,691 |
| Equity capital to assets | 10.0907% | 1,807 |
| Core capital (leverage) ratio | 11.1268% | 1,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5273% | 2,082 |
| Memoranda: | ||
| Average total assets | $578,554,667 | 1,532 |
| Average earning assets | $535,460,667 | 1,541 |
| Average equity | $60,244,000 | 1,384 |
| Average total loans | $462,593,667 | 1,299 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1887% | 970 |
| Cost of funding earning assets | 1.6703% | 616 |
| Net interest margin | 3.5183% | 2,314 |
| Noninterest income to average assets | 1.4200% | 347 |
| Noninterest expense to average assets | 3.3459% | 658 |
| Loan and lease loss provision to assets | 0.1700% | 639 |
| Net operating income to assets | 0.9709% | 2,621 |
| Return on assets (ROA) | 0.9709% | 2,583 |
| Pretax return on assets | 1.1498% | 2,572 |
| Return on Equity (ROE) | 9.1700% | 2,998 |
| Retained earnings to average equity (ytd only) | 9.1703% | 1,892 |
| Net charge-offs to loans | 0.0305% | 1,099 |
| Credit loss provision to net charge-offs | 691.4286% | 460 |
| Earnings coverage of net charge-offs (x) | 53.1714% | 1,083 |
| Efficiency ratio | 71.6829% | 1,561 |
| Assets per employee ($millions) | 4.7151% | 3,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5306% | 1,173 |
| Loan loss allowance to noncurrent loans | 213.0096% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 0.6113% | 827 |
| Noncurrent loans to loans | 0.7186% | 1,052 |
| Net loans and leases to total assets | 80.8000% | 471 |
| Net loans and leases to deposits | 94.8386% | 731 |
| Net loans and leases to core deposits | 104.7300% | 886 |
| Total domestic deposits to total assets | 85.1900% | 2,806 |
| Equity capital to assets | 10.6510% | 1,488 |
| Core capital (leverage) ratio | 11.3348% | 1,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5321% | 2,169 |
| Memoranda: | ||
| Average total assets | $563,204,000 | 1,589 |
| Average earning assets | $520,135,000 | 1,597 |
| Average equity | $59,627,000 | 1,400 |
| Average total loans | $458,679,500 | 1,319 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4739% | 758 |
| Cost of funding earning assets | 0.5938% | 927 |
| Net interest margin | 3.8802% | 1,005 |
| Noninterest income to average assets | 1.6700% | 305 |
| Noninterest expense to average assets | 3.6495% | 434 |
| Loan and lease loss provision to assets | 0.1900% | 578 |
| Net operating income to assets | 1.1688% | 1,896 |
| Return on assets (ROA) | 1.1688% | 1,832 |
| Pretax return on assets | 1.4170% | 1,722 |
| Return on Equity (ROE) | 10.4400% | 2,664 |
| Retained earnings to average equity (ytd only) | 8.6961% | 1,571 |
| Net charge-offs to loans | 0.2901% | 265 |
| Credit loss provision to net charge-offs | 80.6131% | 1,678 |
| Earnings coverage of net charge-offs (x) | 6.9271% | 2,321 |
| Efficiency ratio | 69.4731% | 1,758 |
| Assets per employee ($millions) | 4.7914% | 3,822 |
| Cash dividends to net income (ytd only)* | 16.6721% | 3,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5522% | 1,068 |
| Loan loss allowance to noncurrent loans | 205.4030% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 0.6195% | 801 |
| Noncurrent loans to loans | 0.7557% | 992 |
| Net loans and leases to total assets | 79.5700% | 645 |
| Net loans and leases to deposits | 94.7862% | 728 |
| Net loans and leases to core deposits | 105.2130% | 781 |
| Total domestic deposits to total assets | 83.9500% | 3,220 |
| Equity capital to assets | 10.5226% | 1,442 |
| Core capital (leverage) ratio | 11.5438% | 1,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4901% | 2,173 |
| Memoranda: | ||
| Average total assets | $521,385,000 | 1,675 |
| Average earning assets | $481,345,600 | 1,672 |
| Average equity | $58,394,000 | 1,431 |
| Average total loans | $416,120,400 | 1,346 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3163% | 708 |
| Cost of funding earning assets | 0.4336% | 1,083 |
| Net interest margin | 3.8827% | 827 |
| Noninterest income to average assets | 1.7500% | 308 |
| Noninterest expense to average assets | 3.6638% | 419 |
| Loan and lease loss provision to assets | 0.1600% | 607 |
| Net operating income to assets | 1.2372% | 1,562 |
| Return on assets (ROA) | 1.2372% | 1,538 |
| Pretax return on assets | 1.5082% | 1,385 |
| Return on Equity (ROE) | 10.8700% | 2,434 |
| Retained earnings to average equity (ytd only) | 8.5773% | 1,800 |
| Net charge-offs to loans | 0.4417% | 142 |
| Credit loss provision to net charge-offs | 45.3264% | 1,541 |
| Earnings coverage of net charge-offs (x) | 4.7463% | 2,164 |
| Efficiency ratio | 68.7231% | 1,926 |
| Assets per employee ($millions) | 4.3848% | 4,129 |
| Cash dividends to net income (ytd only)* | 21.0659% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5350% | 1,206 |
| Loan loss allowance to noncurrent loans | 91.5463% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 1.3764% | 268 |
| Noncurrent loans to loans | 1.6768% | 393 |
| Net loans and leases to total assets | 80.2800% | 507 |
| Net loans and leases to deposits | 92.7948% | 713 |
| Net loans and leases to core deposits | 101.6046% | 757 |
| Total domestic deposits to total assets | 86.5100% | 2,921 |
| Equity capital to assets | 10.8196% | 1,243 |
| Core capital (leverage) ratio | 11.6612% | 1,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9105% | 2,090 |
| Memoranda: | ||
| Average total assets | $511,583,250 | 1,700 |
| Average earning assets | $472,303,500 | 1,700 |
| Average equity | $58,245,250 | 1,452 |
| Average total loans | $406,877,500 | 1,360 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0932% | 776 |
| Cost of funding earning assets | 0.3422% | 1,345 |
| Net interest margin | 3.7510% | 835 |
| Noninterest income to average assets | 1.8344% | 258 |
| Noninterest expense to average assets | 3.6066% | 392 |
| Loan and lease loss provision to assets | 0.1570% | 597 |
| Net operating income to assets | 1.2614% | 1,249 |
| Return on assets (ROA) | 1.2614% | 1,231 |
| Pretax return on assets | 1.5388% | 1,078 |
| Return on Equity (ROE) | 10.8936% | 2,016 |
| Retained earnings to average equity (ytd only) | 7.4946% | 1,817 |
| Net charge-offs to loans | 0.5071% | 131 |
| Credit loss provision to net charge-offs | 39.2717% | 1,533 |
| Earnings coverage of net charge-offs (x) | 4.2411% | 1,964 |
| Efficiency ratio | 68.0175% | 2,241 |
| Assets per employee ($millions) | 4.2508% | 4,239 |
| Cash dividends to net income (ytd only)* | 31.2012% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6029% | 1,145 |
| Loan loss allowance to noncurrent loans | 89.3937% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 1.4439% | 250 |
| Noncurrent loans to loans | 1.7930% | 372 |
| Net loans and leases to total assets | 78.7190% | 504 |
| Net loans and leases to deposits | 94.6066% | 489 |
| Net loans and leases to core deposits | 101.9902% | 592 |
| Total domestic deposits to total assets | 83.2067% | 3,838 |
| Equity capital to assets | 10.8144% | 1,299 |
| Core capital (leverage) ratio | 11.5237% | 1,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8128% | 2,149 |
| Memoranda: | ||
| Average total assets | $508,182,333 | 1,713 |
| Average earning assets | $469,851,667 | 1,724 |
| Average equity | $58,842,000 | 1,455 |
| Average total loans | $400,702,000 | 1,375 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1886% | 530 |
| Cost of funding earning assets | 0.3058% | 1,605 |
| Net interest margin | 3.8828% | 525 |
| Noninterest income to average assets | 1.8999% | 259 |
| Noninterest expense to average assets | 3.5548% | 401 |
| Loan and lease loss provision to assets | 0.2282% | 304 |
| Net operating income to assets | 1.3822% | 833 |
| Return on assets (ROA) | 1.3822% | 827 |
| Pretax return on assets | 1.7011% | 680 |
| Return on Equity (ROE) | 11.5440% | 1,438 |
| Retained earnings to average equity (ytd only) | 11.5440% | 666 |
| Net charge-offs to loans | 0.0142% | 1,257 |
| Credit loss provision to net charge-offs | 2,050.0000% | 207 |
| Earnings coverage of net charge-offs (x) | 173.2857% | 473 |
| Efficiency ratio | 64.8202% | 2,935 |
| Assets per employee ($millions) | 4.5238% | 4,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8851% | 762 |
| Loan loss allowance to noncurrent loans | 455.0392% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.3308% | 1,791 |
| Noncurrent loans to loans | 0.4143% | 2,009 |
| Net loans and leases to total assets | 76.0980% | 503 |
| Net loans and leases to deposits | 93.8257% | 372 |
| Net loans and leases to core deposits | 105.2309% | 364 |
| Total domestic deposits to total assets | 81.1056% | 4,190 |
| Equity capital to assets | 11.5478% | 1,109 |
| Core capital (leverage) ratio | 11.9469% | 1,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3864% | 2,042 |
| Memoranda: | ||
| Average total assets | $502,976,500 | 1,723 |
| Average earning assets | $464,305,000 | 1,743 |
| Average equity | $60,221,500 | 1,479 |
| Average total loans | $393,612,000 | 1,384 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5225% | 585 |
| Cost of funding earning assets | 0.3575% | 1,875 |
| Net interest margin | 4.1650% | 518 |
| Noninterest income to average assets | 1.7325% | 382 |
| Noninterest expense to average assets | 3.5828% | 439 |
| Loan and lease loss provision to assets | 0.2593% | 348 |
| Net operating income to assets | 1.4348% | 1,167 |
| Return on assets (ROA) | 1.4365% | 1,242 |
| Pretax return on assets | 1.7337% | 1,060 |
| Return on Equity (ROE) | 12.2494% | 1,730 |
| Retained earnings to average equity (ytd only) | 10.5012% | 804 |
| Net charge-offs to loans | 0.0008% | 2,665 |
| Credit loss provision to net charge-offs | 42,833.3333% | 14 |
| Earnings coverage of net charge-offs (x) | 3,289.0000% | 38 |
| Efficiency ratio | 64.2798% | 2,517 |
| Assets per employee ($millions) | 4.4166% | 4,180 |
| Cash dividends to net income (ytd only)* | 14.2717% | 3,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8766% | 757 |
| Loan loss allowance to noncurrent loans | 431.0202% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 0.3539% | 1,809 |
| Noncurrent loans to loans | 0.4354% | 2,047 |
| Net loans and leases to total assets | 77.5069% | 410 |
| Net loans and leases to deposits | 97.9633% | 253 |
| Net loans and leases to core deposits | 100.7090% | 508 |
| Total domestic deposits to total assets | 79.1184% | 4,306 |
| Equity capital to assets | 12.4203% | 1,088 |
| Core capital (leverage) ratio | 11.7882% | 1,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4391% | 1,699 |
| Memoranda: | ||
| Average total assets | $495,589,200 | 1,706 |
| Average earning assets | $457,065,400 | 1,721 |
| Average equity | $58,117,200 | 1,553 |
| Average total loans | $383,197,800 | 1,420 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5128% | 656 |
| Cost of funding earning assets | 0.3693% | 1,944 |
| Net interest margin | 4.1436% | 607 |
| Noninterest income to average assets | 1.7773% | 406 |
| Noninterest expense to average assets | 3.3971% | 534 |
| Loan and lease loss provision to assets | 0.2578% | 348 |
| Net operating income to assets | 1.6001% | 1,033 |
| Return on assets (ROA) | 1.6021% | 1,070 |
| Pretax return on assets | 1.9455% | 876 |
| Return on Equity (ROE) | 13.8638% | 1,429 |
| Retained earnings to average equity (ytd only) | 11.5419% | 933 |
| Net charge-offs to loans | -0.0663% | 4,462 |
| Credit loss provision to net charge-offs | -505.7895% | 3,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6835% | 2,880 |
| Assets per employee ($millions) | 4.5474% | 4,090 |
| Cash dividends to net income (ytd only)* | 16.7476% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8613% | 824 |
| Loan loss allowance to noncurrent loans | 383.4498% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 0.4888% | 1,559 |
| Noncurrent loans to loans | 0.4854% | 2,099 |
| Net loans and leases to total assets | 75.9084% | 555 |
| Net loans and leases to deposits | 95.1347% | 375 |
| Net loans and leases to core deposits | 100.8913% | 558 |
| Total domestic deposits to total assets | 79.7905% | 4,257 |
| Equity capital to assets | 12.1257% | 1,342 |
| Core capital (leverage) ratio | 11.5395% | 1,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5168% | 1,788 |
| Memoranda: | ||
| Average total assets | $496,925,500 | 1,721 |
| Average earning assets | $458,210,250 | 1,735 |
| Average equity | $57,424,000 | 1,592 |
| Average total loans | $382,187,250 | 1,456 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4876% | 738 |
| Cost of funding earning assets | 0.3798% | 2,053 |
| Net interest margin | 4.1078% | 682 |
| Noninterest income to average assets | 1.7967% | 391 |
| Noninterest expense to average assets | 3.3405% | 586 |
| Loan and lease loss provision to assets | 0.2308% | 449 |
| Net operating income to assets | 1.6522% | 951 |
| Return on assets (ROA) | 1.6552% | 995 |
| Pretax return on assets | 2.0131% | 825 |
| Return on Equity (ROE) | 14.5619% | 1,266 |
| Retained earnings to average equity (ytd only) | 11.0240% | 1,117 |
| Net charge-offs to loans | -0.3332% | 4,853 |
| Credit loss provision to net charge-offs | -90.2516% | 3,047 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8573% | 3,034 |
| Assets per employee ($millions) | 4.4023% | 4,180 |
| Cash dividends to net income (ytd only)* | 24.2954% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8627% | 789 |
| Loan loss allowance to noncurrent loans | 295.8470% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 0.6119% | 1,365 |
| Noncurrent loans to loans | 0.6296% | 1,836 |
| Net loans and leases to total assets | 76.2014% | 573 |
| Net loans and leases to deposits | 94.9068% | 423 |
| Net loans and leases to core deposits | 101.3339% | 618 |
| Total domestic deposits to total assets | 80.2908% | 4,194 |
| Equity capital to assets | 11.7358% | 1,497 |
| Core capital (leverage) ratio | 11.1197% | 1,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1619% | 1,919 |
| Memoranda: | ||
| Average total assets | $497,345,000 | 1,722 |
| Average earning assets | $458,150,000 | 1,728 |
| Average equity | $56,531,000 | 1,607 |
| Average total loans | $381,786,667 | 1,462 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4587% | 828 |
| Cost of funding earning assets | 0.3974% | 2,119 |
| Net interest margin | 4.0613% | 769 |
| Noninterest income to average assets | 1.7390% | 471 |
| Noninterest expense to average assets | 3.1113% | 827 |
| Loan and lease loss provision to assets | 0.2510% | 418 |
| Net operating income to assets | 1.7291% | 896 |
| Return on assets (ROA) | 1.7350% | 940 |
| Pretax return on assets | 2.1163% | 787 |
| Return on Equity (ROE) | 15.5163% | 1,107 |
| Retained earnings to average equity (ytd only) | 8.3228% | 2,143 |
| Net charge-offs to loans | -0.7430% | 4,908 |
| Credit loss provision to net charge-offs | -44.2553% | 2,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8656% | 3,443 |
| Assets per employee ($millions) | 4.6610% | 3,971 |
| Cash dividends to net income (ytd only)* | 46.3607% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8238% | 836 |
| Loan loss allowance to noncurrent loans | 469.3029% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.4135% | 2,159 |
| Noncurrent loans to loans | 0.3886% | 2,700 |
| Net loans and leases to total assets | 75.5775% | 672 |
| Net loans and leases to deposits | 93.7699% | 506 |
| Net loans and leases to core deposits | 99.8133% | 722 |
| Total domestic deposits to total assets | 80.5989% | 4,126 |
| Equity capital to assets | 11.1657% | 1,746 |
| Core capital (leverage) ratio | 10.8171% | 1,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8480% | 1,943 |
| Memoranda: | ||
| Average total assets | $497,286,500 | 1,705 |
| Average earning assets | $456,994,500 | 1,722 |
| Average equity | $55,606,000 | 1,619 |
| Average total loans | $379,546,000 | 1,465 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6228% | 1,059 |
| Cost of funding earning assets | 0.7946% | 1,235 |
| Net interest margin | 3.8281% | 1,426 |
| Noninterest income to average assets | 1.6385% | 467 |
| Noninterest expense to average assets | 3.4118% | 782 |
| Loan and lease loss provision to assets | 0.6215% | 311 |
| Net operating income to assets | 0.9644% | 2,422 |
| Return on assets (ROA) | 0.9656% | 2,564 |
| Pretax return on assets | 1.1421% | 2,544 |
| Return on Equity (ROE) | 8.8236% | 2,461 |
| Retained earnings to average equity (ytd only) | 8.7949% | 824 |
| Net charge-offs to loans | 0.3557% | 486 |
| Credit loss provision to net charge-offs | 224.5269% | 2,050 |
| Earnings coverage of net charge-offs (x) | 6.3656% | 2,790 |
| Efficiency ratio | 65.9417% | 2,543 |
| Assets per employee ($millions) | 4.4671% | 3,950 |
| Cash dividends to net income (ytd only)* | 0.3255% | 3,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5953% | 1,311 |
| Loan loss allowance to noncurrent loans | 321.2560% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.5209% | 1,988 |
| Noncurrent loans to loans | 0.4966% | 2,484 |
| Net loans and leases to total assets | 74.4545% | 964 |
| Net loans and leases to deposits | 92.8258% | 726 |
| Net loans and leases to core deposits | 99.2916% | 939 |
| Total domestic deposits to total assets | 80.2089% | 4,013 |
| Equity capital to assets | 11.1982% | 2,103 |
| Core capital (leverage) ratio | 10.5681% | 2,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7096% | 1,965 |
| Memoranda: | ||
| Average total assets | $477,195,800 | 1,621 |
| Average earning assets | $440,710,400 | 1,623 |
| Average equity | $52,223,600 | 1,619 |
| Average total loans | $371,352,800 | 1,442 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5601% | 1,429 |
| Cost of funding earning assets | 0.8785% | 1,142 |
| Net interest margin | 3.6816% | 2,007 |
| Noninterest income to average assets | 1.5883% | 471 |
| Noninterest expense to average assets | 3.4060% | 794 |
| Loan and lease loss provision to assets | 0.4950% | 598 |
| Net operating income to assets | 0.9286% | 2,602 |
| Return on assets (ROA) | 0.9306% | 2,725 |
| Pretax return on assets | 1.0976% | 2,753 |
| Return on Equity (ROE) | 8.5552% | 2,582 |
| Retained earnings to average equity (ytd only) | 8.5552% | 1,125 |
| Net charge-offs to loans | 0.3182% | 498 |
| Credit loss provision to net charge-offs | 198.4163% | 2,121 |
| Earnings coverage of net charge-offs (x) | 6.3756% | 2,654 |
| Efficiency ratio | 68.1708% | 2,162 |
| Assets per employee ($millions) | 4.5761% | 3,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3388% | 2,006 |
| Loan loss allowance to noncurrent loans | 244.0281% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.5676% | 2,023 |
| Noncurrent loans to loans | 0.5486% | 2,425 |
| Net loans and leases to total assets | 77.6893% | 869 |
| Net loans and leases to deposits | 101.1742% | 488 |
| Net loans and leases to core deposits | 110.7441% | 669 |
| Total domestic deposits to total assets | 76.7876% | 4,352 |
| Equity capital to assets | 10.9418% | 2,433 |
| Core capital (leverage) ratio | 10.3476% | 2,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6480% | 1,953 |
| Memoranda: | ||
| Average total assets | $472,532,500 | 1,612 |
| Average earning assets | $437,402,250 | 1,613 |
| Average equity | $51,398,000 | 1,638 |
| Average total loans | $370,399,250 | 1,438 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5923% | 1,660 |
| Cost of funding earning assets | 0.9920% | 1,010 |
| Net interest margin | 3.6003% | 2,481 |
| Noninterest income to average assets | 1.4820% | 480 |
| Noninterest expense to average assets | 3.3973% | 849 |
| Loan and lease loss provision to assets | 0.3834% | 1,074 |
| Net operating income to assets | 0.8804% | 2,771 |
| Return on assets (ROA) | 0.8833% | 2,876 |
| Pretax return on assets | 1.0385% | 2,904 |
| Return on Equity (ROE) | 8.1378% | 2,693 |
| Retained earnings to average equity (ytd only) | 8.1378% | 1,258 |
| Net charge-offs to loans | 0.3521% | 453 |
| Credit loss provision to net charge-offs | 139.1576% | 2,182 |
| Earnings coverage of net charge-offs (x) | 5.1482% | 2,541 |
| Efficiency ratio | 70.5462% | 1,876 |
| Assets per employee ($millions) | 4.6184% | 3,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1894% | 2,574 |
| Loan loss allowance to noncurrent loans | 232.2205% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 0.6781% | 1,808 |
| Noncurrent loans to loans | 0.5122% | 2,616 |
| Net loans and leases to total assets | 77.1826% | 969 |
| Net loans and leases to deposits | 100.0596% | 549 |
| Net loans and leases to core deposits | 111.1854% | 695 |
| Total domestic deposits to total assets | 77.1367% | 4,304 |
| Equity capital to assets | 10.6667% | 2,603 |
| Core capital (leverage) ratio | 10.3445% | 2,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3248% | 2,061 |
| Memoranda: | ||
| Average total assets | $465,305,000 | 1,604 |
| Average earning assets | $430,852,333 | 1,613 |
| Average equity | $50,505,333 | 1,656 |
| Average total loans | $364,145,000 | 1,447 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6743% | 1,794 |
| Cost of funding earning assets | 1.1640% | 864 |
| Net interest margin | 3.5103% | 2,944 |
| Noninterest income to average assets | 1.3556% | 486 |
| Noninterest expense to average assets | 3.5859% | 822 |
| Loan and lease loss provision to assets | 0.2582% | 1,206 |
| Net operating income to assets | 0.6618% | 3,400 |
| Return on assets (ROA) | 0.6618% | 3,461 |
| Pretax return on assets | 0.7568% | 3,530 |
| Return on Equity (ROE) | 6.0402% | 3,304 |
| Retained earnings to average equity (ytd only) | 6.0402% | 1,855 |
| Net charge-offs to loans | 0.4688% | 310 |
| Credit loss provision to net charge-offs | 70.2899% | 1,980 |
| Earnings coverage of net charge-offs (x) | 2.7633% | 2,260 |
| Efficiency ratio | 77.9406% | 1,346 |
| Assets per employee ($millions) | 4.3188% | 3,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1843% | 2,749 |
| Loan loss allowance to noncurrent loans | 84.0040% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 1.1417% | 1,118 |
| Noncurrent loans to loans | 1.4098% | 1,127 |
| Net loans and leases to total assets | 78.3371% | 929 |
| Net loans and leases to deposits | 98.2558% | 684 |
| Net loans and leases to core deposits | 110.7420% | 813 |
| Total domestic deposits to total assets | 79.7277% | 3,904 |
| Equity capital to assets | 10.9383% | 2,913 |
| Core capital (leverage) ratio | 10.7195% | 2,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7409% | 1,992 |
| Memoranda: | ||
| Average total assets | $450,871,500 | 1,608 |
| Average earning assets | $416,832,000 | 1,609 |
| Average equity | $49,402,000 | 1,680 |
| Average total loans | $353,214,500 | 1,441 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8350% | 1,938 |
| Cost of funding earning assets | 1.2902% | 785 |
| Net interest margin | 3.5447% | 3,303 |
| Noninterest income to average assets | 1.2739% | 583 |
| Noninterest expense to average assets | 3.4306% | 1,060 |
| Loan and lease loss provision to assets | 0.2042% | 991 |
| Net operating income to assets | 0.7947% | 3,570 |
| Return on assets (ROA) | 0.8807% | 3,365 |
| Pretax return on assets | 1.0436% | 3,353 |
| Return on Equity (ROE) | 8.1104% | 3,121 |
| Retained earnings to average equity (ytd only) | 8.0764% | 952 |
| Net charge-offs to loans | 0.1310% | 1,459 |
| Credit loss provision to net charge-offs | 202.0548% | 1,313 |
| Earnings coverage of net charge-offs (x) | 11.3333% | 2,503 |
| Efficiency ratio | 74.9697% | 1,492 |
| Assets per employee ($millions) | 4.2697% | 3,547 |
| Cash dividends to net income (ytd only)* | 0.4192% | 3,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2387% | 2,235 |
| Loan loss allowance to noncurrent loans | 171.6772% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 0.5871% | 2,137 |
| Noncurrent loans to loans | 0.7215% | 2,077 |
| Net loans and leases to total assets | 76.4530% | 1,333 |
| Net loans and leases to deposits | 95.4933% | 996 |
| Net loans and leases to core deposits | 112.8094% | 722 |
| Total domestic deposits to total assets | 80.0611% | 3,969 |
| Equity capital to assets | 10.9755% | 3,016 |
| Core capital (leverage) ratio | 10.4897% | 2,961 |
| Tier 1 risk-based capital ratio | 13.3306% | 3,618 |
| Total risk-based capital ratio | 14.5859% | 3,499 |
| Memoranda: | ||
| Average total assets | $433,399,000 | 1,612 |
| Average earning assets | $403,724,200 | 1,611 |
| Average equity | $47,063,200 | 1,683 |
| Average total loans | $334,292,200 | 1,485 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7639% | 2,237 |
| Cost of funding earning assets | 1.2812% | 831 |
| Net interest margin | 3.4827% | 3,617 |
| Noninterest income to average assets | 1.2387% | 592 |
| Noninterest expense to average assets | 3.3892% | 1,117 |
| Loan and lease loss provision to assets | 0.2265% | 753 |
| Net operating income to assets | 0.7377% | 3,888 |
| Return on assets (ROA) | 0.8545% | 3,580 |
| Pretax return on assets | 1.0101% | 3,565 |
| Return on Equity (ROE) | 7.8917% | 3,358 |
| Retained earnings to average equity (ytd only) | 7.8917% | 1,446 |
| Net charge-offs to loans | 0.0706% | 1,818 |
| Credit loss provision to net charge-offs | 416.0000% | 732 |
| Earnings coverage of net charge-offs (x) | 20.1884% | 1,973 |
| Efficiency ratio | 75.5129% | 1,389 |
| Assets per employee ($millions) | 4.4855% | 3,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2834% | 2,041 |
| Loan loss allowance to noncurrent loans | 81.9237% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 1.2087% | 1,046 |
| Noncurrent loans to loans | 1.5666% | 945 |
| Net loans and leases to total assets | 75.4836% | 1,568 |
| Net loans and leases to deposits | 96.1232% | 1,003 |
| Net loans and leases to core deposits | 120.0572% | 535 |
| Total domestic deposits to total assets | 78.5280% | 4,259 |
| Equity capital to assets | 10.7860% | 3,307 |
| Core capital (leverage) ratio | 10.4172% | 3,175 |
| Tier 1 risk-based capital ratio | 13.2429% | 3,722 |
| Total risk-based capital ratio | 14.5286% | 3,605 |
| Memoranda: | ||
| Average total assets | $428,601,750 | 1,642 |
| Average earning assets | $399,912,000 | 1,628 |
| Average equity | $46,410,500 | 1,704 |
| Average total loans | $330,276,000 | 1,505 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7733% | 2,146 |
| Cost of funding earning assets | 1.2386% | 897 |
| Net interest margin | 3.5346% | 3,488 |
| Noninterest income to average assets | 1.1816% | 614 |
| Noninterest expense to average assets | 3.4191% | 1,068 |
| Loan and lease loss provision to assets | 0.2340% | 685 |
| Net operating income to assets | 0.7075% | 3,983 |
| Return on assets (ROA) | 0.7221% | 3,986 |
| Pretax return on assets | 0.8467% | 3,982 |
| Return on Equity (ROE) | 6.6590% | 3,813 |
| Retained earnings to average equity (ytd only) | 6.6590% | 1,974 |
| Net charge-offs to loans | 0.0363% | 2,145 |
| Credit loss provision to net charge-offs | 833.8983% | 404 |
| Earnings coverage of net charge-offs (x) | 37.8983% | 1,282 |
| Efficiency ratio | 76.2733% | 1,356 |
| Assets per employee ($millions) | 4.3622% | 3,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2586% | 2,202 |
| Loan loss allowance to noncurrent loans | 77.0986% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 1.3037% | 976 |
| Noncurrent loans to loans | 1.6324% | 946 |
| Net loans and leases to total assets | 77.0340% | 1,382 |
| Net loans and leases to deposits | 99.7478% | 696 |
| Net loans and leases to core deposits | 120.1917% | 542 |
| Total domestic deposits to total assets | 77.2288% | 4,535 |
| Equity capital to assets | 10.7468% | 3,309 |
| Core capital (leverage) ratio | 10.6160% | 2,965 |
| Tier 1 risk-based capital ratio | 13.2143% | 3,729 |
| Total risk-based capital ratio | 14.5009% | 3,617 |
| Memoranda: | ||
| Average total assets | $420,458,330 | 1,678 |
| Average earning assets | $392,686,000 | 1,664 |
| Average equity | $45,592,670 | 1,723 |
| Average total loans | $324,897,670 | 1,538 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7042% | 2,209 |
| Cost of funding earning assets | 1.1868% | 940 |
| Net interest margin | 3.5175% | 3,551 |
| Noninterest income to average assets | 1.2164% | 550 |
| Noninterest expense to average assets | 3.6287% | 816 |
| Loan and lease loss provision to assets | 0.2290% | 667 |
| Net operating income to assets | 0.5545% | 4,375 |
| Return on assets (ROA) | 0.5838% | 4,320 |
| Pretax return on assets | 0.6774% | 4,354 |
| Return on Equity (ROE) | 5.3584% | 4,237 |
| Retained earnings to average equity (ytd only) | 5.3584% | 2,760 |
| Net charge-offs to loans | 0.0596% | 1,441 |
| Credit loss provision to net charge-offs | 500.0000% | 602 |
| Earnings coverage of net charge-offs (x) | 19.0426% | 1,604 |
| Efficiency ratio | 80.6193% | 995 |
| Assets per employee ($millions) | 4.4180% | 3,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2713% | 2,224 |
| Loan loss allowance to noncurrent loans | 178.7560% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 0.5578% | 2,415 |
| Noncurrent loans to loans | 0.7112% | 2,248 |
| Net loans and leases to total assets | 75.5134% | 1,560 |
| Net loans and leases to deposits | 92.3702% | 1,360 |
| Net loans and leases to core deposits | 112.9288% | 789 |
| Total domestic deposits to total assets | 81.7508% | 3,793 |
| Equity capital to assets | 10.7908% | 3,059 |
| Core capital (leverage) ratio | 10.8878% | 2,674 |
| Tier 1 risk-based capital ratio | 13.8715% | 3,408 |
| Total risk-based capital ratio | 15.1609% | 3,305 |
| Memoranda: | ||
| Average total assets | $410,394,000 | 1,734 |
| Average earning assets | $383,231,000 | 1,720 |
| Average equity | $44,714,500 | 1,744 |
| Average total loans | $315,482,500 | 1,572 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5898% | 2,158 |
| Cost of funding earning assets | 1.0245% | 685 |
| Net interest margin | 3.5653% | 3,497 |
| Noninterest income to average assets | 1.3363% | 515 |
| Noninterest expense to average assets | 3.2761% | 1,385 |
| Loan and lease loss provision to assets | 0.1911% | 1,000 |
| Net operating income to assets | 0.9763% | 3,112 |
| Return on assets (ROA) | 0.9763% | 3,113 |
| Pretax return on assets | 1.1814% | 2,958 |
| Return on Equity (ROE) | 9.7217% | 2,633 |
| Retained earnings to average equity (ytd only) | 9.6811% | 685 |
| Net charge-offs to loans | 0.1088% | 1,660 |
| Credit loss provision to net charge-offs | 228.6585% | 1,287 |
| Earnings coverage of net charge-offs (x) | 16.4207% | 2,247 |
| Efficiency ratio | 70.4747% | 2,109 |
| Assets per employee ($millions) | 4.3595% | 3,367 |
| Cash dividends to net income (ytd only)* | 0.4176% | 4,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2560% | 2,267 |
| Loan loss allowance to noncurrent loans | 160.6023% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.6188% | 2,190 |
| Noncurrent loans to loans | 0.7821% | 2,053 |
| Net loans and leases to total assets | 76.3078% | 1,555 |
| Net loans and leases to deposits | 91.7769% | 1,576 |
| Net loans and leases to core deposits | 111.9122% | 887 |
| Total domestic deposits to total assets | 83.1449% | 3,280 |
| Equity capital to assets | 11.0051% | 2,683 |
| Core capital (leverage) ratio | 10.8597% | 2,669 |
| Tier 1 risk-based capital ratio | 14.3322% | 3,147 |
| Total risk-based capital ratio | 15.6234% | 3,042 |
| Memoranda: | ||
| Average total assets | $392,413,400 | 1,754 |
| Average earning assets | $364,569,600 | 1,750 |
| Average equity | $39,406,600 | 1,889 |
| Average total loans | $301,570,000 | 1,594 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5447% | 2,143 |
| Cost of funding earning assets | 0.9924% | 619 |
| Net interest margin | 3.5523% | 3,515 |
| Noninterest income to average assets | 1.3711% | 507 |
| Noninterest expense to average assets | 3.2447% | 1,420 |
| Loan and lease loss provision to assets | 0.2286% | 714 |
| Net operating income to assets | 0.9843% | 3,157 |
| Return on assets (ROA) | 0.9843% | 3,164 |
| Pretax return on assets | 1.1924% | 3,015 |
| Return on Equity (ROE) | 10.0494% | 2,599 |
| Retained earnings to average equity (ytd only) | 10.0494% | 909 |
| Net charge-offs to loans | 0.1020% | 1,468 |
| Credit loss provision to net charge-offs | 292.1397% | 1,044 |
| Earnings coverage of net charge-offs (x) | 18.1613% | 2,064 |
| Efficiency ratio | 69.5445% | 2,265 |
| Assets per employee ($millions) | 4.6426% | 2,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2749% | 2,224 |
| Loan loss allowance to noncurrent loans | 145.6611% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 0.6888% | 2,137 |
| Noncurrent loans to loans | 0.8752% | 1,954 |
| Net loans and leases to total assets | 75.8546% | 1,678 |
| Net loans and leases to deposits | 91.9446% | 1,632 |
| Net loans and leases to core deposits | 113.3530% | 851 |
| Total domestic deposits to total assets | 82.5003% | 3,461 |
| Equity capital to assets | 10.6882% | 2,943 |
| Core capital (leverage) ratio | 10.5995% | 2,983 |
| Tier 1 risk-based capital ratio | 14.0140% | 3,365 |
| Total risk-based capital ratio | 15.3055% | 3,251 |
| Memoranda: | ||
| Average total assets | $390,247,500 | 1,766 |
| Average earning assets | $361,936,250 | 1,770 |
| Average equity | $38,223,500 | 1,936 |
| Average total loans | $299,476,000 | 1,606 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4923% | 2,109 |
| Cost of funding earning assets | 0.9382% | 614 |
| Net interest margin | 3.5541% | 3,455 |
| Noninterest income to average assets | 1.3681% | 511 |
| Noninterest expense to average assets | 3.2187% | 1,490 |
| Loan and lease loss provision to assets | 0.2257% | 722 |
| Net operating income to assets | 1.0092% | 2,976 |
| Return on assets (ROA) | 1.0092% | 2,978 |
| Pretax return on assets | 1.2225% | 2,862 |
| Return on Equity (ROE) | 10.6369% | 2,263 |
| Retained earnings to average equity (ytd only) | 10.6369% | 755 |
| Net charge-offs to loans | 0.0916% | 1,427 |
| Credit loss provision to net charge-offs | 321.3235% | 960 |
| Earnings coverage of net charge-offs (x) | 20.6176% | 1,800 |
| Efficiency ratio | 68.9686% | 2,494 |
| Assets per employee ($millions) | 4.5063% | 3,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2360% | 2,514 |
| Loan loss allowance to noncurrent loans | 122.4278% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 0.7933% | 1,890 |
| Noncurrent loans to loans | 1.0096% | 1,734 |
| Net loans and leases to total assets | 76.0081% | 1,641 |
| Net loans and leases to deposits | 90.7728% | 1,739 |
| Net loans and leases to core deposits | 112.8889% | 845 |
| Total domestic deposits to total assets | 83.7345% | 3,160 |
| Equity capital to assets | 9.4651% | 4,140 |
| Core capital (leverage) ratio | 9.4234% | 4,213 |
| Tier 1 risk-based capital ratio | 12.3766% | 4,259 |
| Total risk-based capital ratio | 13.6680% | 4,130 |
| Memoranda: | ||
| Average total assets | $387,242,000 | 1,782 |
| Average earning assets | $359,415,330 | 1,779 |
| Average equity | $36,740,000 | 1,999 |
| Average total loans | $297,044,330 | 1,623 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4464% | 2,033 |
| Cost of funding earning assets | 0.8579% | 739 |
| Net interest margin | 3.5885% | 3,227 |
| Noninterest income to average assets | 1.3299% | 532 |
| Noninterest expense to average assets | 3.2704% | 1,405 |
| Loan and lease loss provision to assets | 0.2426% | 625 |
| Net operating income to assets | 0.9483% | 3,080 |
| Return on assets (ROA) | 0.9483% | 3,099 |
| Pretax return on assets | 1.1448% | 2,988 |
| Return on Equity (ROE) | 9.9827% | 2,440 |
| Retained earnings to average equity (ytd only) | 9.9827% | 1,163 |
| Net charge-offs to loans | 0.0956% | 1,219 |
| Credit loss provision to net charge-offs | 331.4286% | 770 |
| Earnings coverage of net charge-offs (x) | 18.9571% | 1,521 |
| Efficiency ratio | 70.2132% | 2,454 |
| Assets per employee ($millions) | 4.4682% | 3,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2251% | 2,658 |
| Loan loss allowance to noncurrent loans | 119.4673% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 0.8083% | 1,964 |
| Noncurrent loans to loans | 1.0255% | 1,782 |
| Net loans and leases to total assets | 76.2272% | 1,503 |
| Net loans and leases to deposits | 91.4204% | 1,512 |
| Net loans and leases to core deposits | 126.1644% | 418 |
| Total domestic deposits to total assets | 83.3809% | 3,550 |
| Equity capital to assets | 9.5019% | 4,087 |
| Core capital (leverage) ratio | 9.4550% | 4,115 |
| Tier 1 risk-based capital ratio | 12.4725% | 4,258 |
| Total risk-based capital ratio | 13.7657% | 4,135 |
| Memoranda: | ||
| Average total assets | $382,587,500 | 1,813 |
| Average earning assets | $354,804,500 | 1,813 |
| Average equity | $36,343,000 | 2,026 |
| Average total loans | $292,975,000 | 1,645 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3572% | 2,161 |
| Cost of funding earning assets | 0.7617% | 784 |
| Net interest margin | 3.5956% | 3,184 |
| Noninterest income to average assets | 1.3373% | 587 |
| Noninterest expense to average assets | 3.3946% | 1,207 |
| Loan and lease loss provision to assets | 0.1427% | 1,589 |
| Net operating income to assets | 0.8048% | 3,135 |
| Return on assets (ROA) | 0.8101% | 3,157 |
| Pretax return on assets | 1.1228% | 3,097 |
| Return on Equity (ROE) | 8.4127% | 2,597 |
| Retained earnings to average equity (ytd only) | 5.5338% | 1,802 |
| Net charge-offs to loans | 0.1017% | 2,052 |
| Credit loss provision to net charge-offs | 182.8671% | 1,483 |
| Earnings coverage of net charge-offs (x) | 16.1224% | 2,200 |
| Efficiency ratio | 72.9592% | 2,070 |
| Assets per employee ($millions) | 4.2324% | 3,608 |
| Cash dividends to net income (ytd only)* | 34.2203% | 3,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1994% | 2,784 |
| Loan loss allowance to noncurrent loans | 87.5410% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 1.0580% | 1,440 |
| Noncurrent loans to loans | 1.3701% | 1,267 |
| Net loans and leases to total assets | 75.0654% | 1,742 |
| Net loans and leases to deposits | 90.3668% | 1,731 |
| Net loans and leases to core deposits | 122.6605% | 503 |
| Total domestic deposits to total assets | 83.0675% | 3,540 |
| Equity capital to assets | 9.4967% | 4,239 |
| Core capital (leverage) ratio | 9.4480% | 4,104 |
| Tier 1 risk-based capital ratio | 12.4126% | 4,254 |
| Total risk-based capital ratio | 13.6727% | 4,154 |
| Memoranda: | ||
| Average total assets | $366,490,200 | 1,842 |
| Average earning assets | $337,944,800 | 1,851 |
| Average equity | $35,292,000 | 2,061 |
| Average total loans | $281,263,600 | 1,650 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3465% | 2,117 |
| Cost of funding earning assets | 0.7420% | 789 |
| Net interest margin | 3.6045% | 3,131 |
| Noninterest income to average assets | 1.3278% | 595 |
| Noninterest expense to average assets | 3.3075% | 1,325 |
| Loan and lease loss provision to assets | 0.1922% | 1,003 |
| Net operating income to assets | 0.8243% | 3,416 |
| Return on assets (ROA) | 0.8315% | 3,416 |
| Pretax return on assets | 1.1599% | 3,068 |
| Return on Equity (ROE) | 8.6032% | 2,811 |
| Retained earnings to average equity (ytd only) | 4.8015% | 3,018 |
| Net charge-offs to loans | 0.0864% | 1,931 |
| Credit loss provision to net charge-offs | 288.9503% | 1,024 |
| Earnings coverage of net charge-offs (x) | 20.1821% | 1,967 |
| Efficiency ratio | 71.1339% | 2,346 |
| Assets per employee ($millions) | 4.3599% | 3,372 |
| Cash dividends to net income (ytd only)* | 44.1891% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2541% | 2,620 |
| Loan loss allowance to noncurrent loans | 91.5046% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 1.0609% | 1,579 |
| Noncurrent loans to loans | 1.3705% | 1,373 |
| Net loans and leases to total assets | 75.0948% | 1,745 |
| Net loans and leases to deposits | 96.7957% | 1,029 |
| Net loans and leases to core deposits | 121.3844% | 541 |
| Total domestic deposits to total assets | 77.5807% | 4,791 |
| Equity capital to assets | 9.5335% | 4,414 |
| Core capital (leverage) ratio | 9.3921% | 4,302 |
| Tier 1 risk-based capital ratio | 12.3146% | 4,429 |
| Total risk-based capital ratio | 13.6091% | 4,311 |
| Memoranda: | ||
| Average total assets | $362,884,500 | 1,869 |
| Average earning assets | $334,421,750 | 1,882 |
| Average equity | $35,071,500 | 2,081 |
| Average total loans | $279,228,250 | 1,669 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3087% | 2,095 |
| Cost of funding earning assets | 0.7061% | 868 |
| Net interest margin | 3.6027% | 3,026 |
| Noninterest income to average assets | 1.2946% | 619 |
| Noninterest expense to average assets | 3.3116% | 1,351 |
| Loan and lease loss provision to assets | 0.1867% | 1,013 |
| Net operating income to assets | 0.8080% | 3,362 |
| Return on assets (ROA) | 0.8165% | 3,374 |
| Pretax return on assets | 1.1380% | 3,016 |
| Return on Equity (ROE) | 8.4083% | 2,825 |
| Retained earnings to average equity (ytd only) | 8.4083% | 1,029 |
| Net charge-offs to loans | -0.0137% | 4,639 |
| Credit loss provision to net charge-offs | -1,763.1579% | 4,929 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6076% | 2,414 |
| Assets per employee ($millions) | 3.8072% | 4,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2694% | 2,574 |
| Loan loss allowance to noncurrent loans | 86.9186% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 1.1415% | 1,509 |
| Noncurrent loans to loans | 1.4605% | 1,295 |
| Net loans and leases to total assets | 76.3528% | 1,490 |
| Net loans and leases to deposits | 94.1070% | 1,251 |
| Net loans and leases to core deposits | 121.5480% | 498 |
| Total domestic deposits to total assets | 81.1341% | 4,148 |
| Equity capital to assets | 9.8564% | 4,082 |
| Core capital (leverage) ratio | 9.5497% | 4,070 |
| Tier 1 risk-based capital ratio | 12.9650% | 4,016 |
| Total risk-based capital ratio | 14.2625% | 3,901 |
| Memoranda: | ||
| Average total assets | $358,862,670 | 1,889 |
| Average earning assets | $331,699,330 | 1,896 |
| Average equity | $34,846,670 | 2,086 |
| Average total loans | $277,256,330 | 1,678 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2538% | 2,086 |
| Cost of funding earning assets | 0.6759% | 952 |
| Net interest margin | 3.5779% | 2,973 |
| Noninterest income to average assets | 1.2296% | 679 |
| Noninterest expense to average assets | 3.3593% | 1,272 |
| Loan and lease loss provision to assets | 0.2115% | 770 |
| Net operating income to assets | 0.7054% | 3,678 |
| Return on assets (ROA) | 0.7054% | 3,721 |
| Pretax return on assets | 0.9641% | 3,524 |
| Return on Equity (ROE) | 7.3209% | 3,255 |
| Retained earnings to average equity (ytd only) | 7.3209% | 1,737 |
| Net charge-offs to loans | 0.0044% | 2,824 |
| Credit loss provision to net charge-offs | 6,266.6667% | 45 |
| Earnings coverage of net charge-offs (x) | 348.3333% | 172 |
| Efficiency ratio | 74.0759% | 2,220 |
| Assets per employee ($millions) | 4.1046% | 3,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2387% | 2,893 |
| Loan loss allowance to noncurrent loans | 114.4627% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 0.9305% | 1,984 |
| Noncurrent loans to loans | 1.0822% | 1,890 |
| Net loans and leases to total assets | 76.3350% | 1,359 |
| Net loans and leases to deposits | 98.1694% | 761 |
| Net loans and leases to core deposits | 126.6643% | 308 |
| Total domestic deposits to total assets | 77.7584% | 5,000 |
| Equity capital to assets | 9.6917% | 4,075 |
| Core capital (leverage) ratio | 9.5240% | 4,098 |
| Tier 1 risk-based capital ratio | 12.8613% | 4,164 |
| Total risk-based capital ratio | 14.1589% | 4,037 |
| Memoranda: | ||
| Average total assets | $355,549,000 | 1,913 |
| Average earning assets | $328,461,500 | 1,918 |
| Average equity | $34,258,000 | 2,128 |
| Average total loans | $274,559,500 | 1,703 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3296% | 2,049 |
| Cost of funding earning assets | 0.6014% | 1,317 |
| Net interest margin | 3.7281% | 2,584 |
| Noninterest income to average assets | 1.2704% | 702 |
| Noninterest expense to average assets | 3.3136% | 1,546 |
| Loan and lease loss provision to assets | 0.2217% | 989 |
| Net operating income to assets | 0.8501% | 3,068 |
| Return on assets (ROA) | 0.8501% | 3,179 |
| Pretax return on assets | 1.1849% | 2,738 |
| Return on Equity (ROE) | 8.6248% | 2,603 |
| Retained earnings to average equity (ytd only) | 8.5768% | 672 |
| Net charge-offs to loans | 0.0611% | 2,836 |
| Credit loss provision to net charge-offs | 474.6835% | 690 |
| Earnings coverage of net charge-offs (x) | 30.1203% | 1,432 |
| Efficiency ratio | 70.2004% | 2,870 |
| Assets per employee ($millions) | 3.9775% | 4,009 |
| Cash dividends to net income (ytd only)* | 0.5563% | 4,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1842% | 3,211 |
| Loan loss allowance to noncurrent loans | 107.7641% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 0.9579% | 1,978 |
| Noncurrent loans to loans | 1.0988% | 1,894 |
| Net loans and leases to total assets | 76.2360% | 1,475 |
| Net loans and leases to deposits | 94.3467% | 1,164 |
| Net loans and leases to core deposits | 116.6322% | 591 |
| Total domestic deposits to total assets | 80.8041% | 4,386 |
| Equity capital to assets | 9.5783% | 4,191 |
| Core capital (leverage) ratio | 9.4862% | 4,100 |
| Tier 1 risk-based capital ratio | 12.6593% | 4,287 |
| Total risk-based capital ratio | 13.9298% | 4,162 |
| Memoranda: | ||
| Average total assets | $338,328,600 | 1,959 |
| Average earning assets | $313,078,200 | 1,960 |
| Average equity | $33,345,800 | 2,161 |
| Average total loans | $258,558,000 | 1,742 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3419% | 2,027 |
| Cost of funding earning assets | 0.5901% | 1,411 |
| Net interest margin | 3.7518% | 2,514 |
| Noninterest income to average assets | 1.3101% | 677 |
| Noninterest expense to average assets | 3.2526% | 1,670 |
| Loan and lease loss provision to assets | 0.1994% | 1,063 |
| Net operating income to assets | 0.9314% | 2,744 |
| Return on assets (ROA) | 0.9314% | 2,871 |
| Pretax return on assets | 1.3309% | 2,308 |
| Return on Equity (ROE) | 9.3797% | 2,313 |
| Retained earnings to average equity (ytd only) | 9.3797% | 716 |
| Net charge-offs to loans | -0.0031% | 4,540 |
| Credit loss provision to net charge-offs | -8,333.3333% | 5,442 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0060% | 3,226 |
| Assets per employee ($millions) | 3.9639% | 4,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2008% | 3,231 |
| Loan loss allowance to noncurrent loans | 136.2771% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 0.7870% | 2,583 |
| Noncurrent loans to loans | 0.8812% | 2,495 |
| Net loans and leases to total assets | 75.1023% | 1,683 |
| Net loans and leases to deposits | 97.1092% | 943 |
| Net loans and leases to core deposits | 125.8461% | 371 |
| Total domestic deposits to total assets | 77.3380% | 5,024 |
| Equity capital to assets | 10.0164% | 4,113 |
| Core capital (leverage) ratio | 9.5992% | 4,060 |
| Tier 1 risk-based capital ratio | 12.6379% | 4,377 |
| Total risk-based capital ratio | 13.8934% | 4,287 |
| Memoranda: | ||
| Average total assets | $334,411,500 | 1,982 |
| Average earning assets | $309,532,000 | 1,979 |
| Average equity | $33,205,500 | 2,183 |
| Average total loans | $254,920,750 | 1,770 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3370% | 2,027 |
| Cost of funding earning assets | 0.5772% | 1,487 |
| Net interest margin | 3.7598% | 2,477 |
| Noninterest income to average assets | 1.2927% | 688 |
| Noninterest expense to average assets | 3.1306% | 1,977 |
| Loan and lease loss provision to assets | 0.2115% | 1,009 |
| Net operating income to assets | 1.0044% | 2,372 |
| Return on assets (ROA) | 1.0044% | 2,507 |
| Pretax return on assets | 1.4305% | 1,904 |
| Return on Equity (ROE) | 10.1466% | 1,984 |
| Retained earnings to average equity (ytd only) | 10.1466% | 566 |
| Net charge-offs to loans | 0.0048% | 3,535 |
| Credit loss provision to net charge-offs | 5,833.3333% | 71 |
| Earnings coverage of net charge-offs (x) | 452.8333% | 151 |
| Efficiency ratio | 65.5945% | 3,747 |
| Assets per employee ($millions) | 3.9185% | 4,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1484% | 3,661 |
| Loan loss allowance to noncurrent loans | 141.2488% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 0.8005% | 2,591 |
| Noncurrent loans to loans | 0.8130% | 2,714 |
| Net loans and leases to total assets | 75.3965% | 1,579 |
| Net loans and leases to deposits | 92.6011% | 1,443 |
| Net loans and leases to core deposits | 124.9840% | 391 |
| Total domestic deposits to total assets | 81.4207% | 4,156 |
| Equity capital to assets | 9.9605% | 4,277 |
| Core capital (leverage) ratio | 9.6234% | 4,032 |
| Tier 1 risk-based capital ratio | 12.5131% | 4,512 |
| Total risk-based capital ratio | 13.7193% | 4,451 |
| Memoranda: | ||
| Average total assets | $330,927,670 | 2,013 |
| Average earning assets | $306,293,670 | 2,011 |
| Average equity | $32,759,670 | 2,210 |
| Average total loans | $252,511,670 | 1,782 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3039% | 2,122 |
| Cost of funding earning assets | 0.5756% | 1,504 |
| Net interest margin | 3.7283% | 2,562 |
| Noninterest income to average assets | 1.3340% | 618 |
| Noninterest expense to average assets | 3.0644% | 2,195 |
| Loan and lease loss provision to assets | 0.1534% | 1,377 |
| Net operating income to assets | 1.0922% | 1,937 |
| Return on assets (ROA) | 1.0922% | 2,036 |
| Pretax return on assets | 1.5659% | 1,388 |
| Return on Equity (ROE) | 11.0691% | 1,578 |
| Retained earnings to average equity (ytd only) | 11.0691% | 640 |
| Net charge-offs to loans | 0.0032% | 3,010 |
| Credit loss provision to net charge-offs | 6,250.0000% | 60 |
| Earnings coverage of net charge-offs (x) | 700.5000% | 67 |
| Efficiency ratio | 64.0585% | 4,115 |
| Assets per employee ($millions) | 3.9677% | 4,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1067% | 4,010 |
| Loan loss allowance to noncurrent loans | 86.5144% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 1.1973% | 1,826 |
| Noncurrent loans to loans | 1.2792% | 1,885 |
| Net loans and leases to total assets | 75.0285% | 1,548 |
| Net loans and leases to deposits | 95.2921% | 1,010 |
| Net loans and leases to core deposits | 126.4857% | 329 |
| Total domestic deposits to total assets | 78.7353% | 5,025 |
| Equity capital to assets | 9.9364% | 4,165 |
| Core capital (leverage) ratio | 9.6693% | 3,946 |
| Tier 1 risk-based capital ratio | 13.0285% | 4,250 |
| Total risk-based capital ratio | 14.1675% | 4,227 |
| Memoranda: | ||
| Average total assets | $325,938,000 | 2,050 |
| Average earning assets | $301,587,500 | 2,050 |
| Average equity | $32,161,500 | 2,237 |
| Average total loans | $248,758,500 | 1,808 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3504% | 2,059 |
| Cost of funding earning assets | 0.5606% | 1,672 |
| Net interest margin | 3.7898% | 2,411 |
| Noninterest income to average assets | 1.3191% | 694 |
| Noninterest expense to average assets | 3.3363% | 1,634 |
| Loan and lease loss provision to assets | 0.1425% | 1,666 |
| Net operating income to assets | 0.8975% | 2,884 |
| Return on assets (ROA) | 0.8980% | 2,962 |
| Pretax return on assets | 1.3143% | 2,228 |
| Return on Equity (ROE) | 8.6155% | 2,664 |
| Retained earnings to average equity (ytd only) | 6.1735% | 1,717 |
| Net charge-offs to loans | 0.2463% | 1,221 |
| Credit loss provision to net charge-offs | 78.6517% | 2,972 |
| Earnings coverage of net charge-offs (x) | 8.0356% | 3,004 |
| Efficiency ratio | 69.6148% | 3,286 |
| Assets per employee ($millions) | 3.7507% | 4,372 |
| Cash dividends to net income (ytd only)* | 28.3447% | 3,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0667% | 4,229 |
| Loan loss allowance to noncurrent loans | 106.5323% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 0.9800% | 2,242 |
| Noncurrent loans to loans | 1.0013% | 2,338 |
| Net loans and leases to total assets | 75.9639% | 1,425 |
| Net loans and leases to deposits | 100.6713% | 632 |
| Net loans and leases to core deposits | 125.6540% | 344 |
| Total domestic deposits to total assets | 75.4573% | 5,500 |
| Equity capital to assets | 9.7969% | 4,192 |
| Core capital (leverage) ratio | 9.6536% | 3,969 |
| Tier 1 risk-based capital ratio | 12.8859% | 4,397 |
| Total risk-based capital ratio | 13.9937% | 4,390 |
| Memoranda: | ||
| Average total assets | $294,670,600 | 2,180 |
| Average earning assets | $270,065,600 | 2,200 |
| Average equity | $30,712,000 | 2,269 |
| Average total loans | $216,767,000 | 1,944 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3398% | 2,107 |
| Cost of funding earning assets | 0.5596% | 1,718 |
| Net interest margin | 3.7802% | 2,460 |
| Noninterest income to average assets | 1.3291% | 688 |
| Noninterest expense to average assets | 3.3905% | 1,494 |
| Loan and lease loss provision to assets | 0.0232% | 3,812 |
| Net operating income to assets | 0.9212% | 2,853 |
| Return on assets (ROA) | 0.9218% | 2,942 |
| Pretax return on assets | 1.3727% | 2,127 |
| Return on Equity (ROE) | 8.6978% | 2,732 |
| Retained earnings to average equity (ytd only) | 5.4181% | 2,628 |
| Net charge-offs to loans | 0.1461% | 1,666 |
| Credit loss provision to net charge-offs | 21.8341% | 3,352 |
| Earnings coverage of net charge-offs (x) | 13.1439% | 2,350 |
| Efficiency ratio | 70.8503% | 3,074 |
| Assets per employee ($millions) | 3.7101% | 4,427 |
| Cash dividends to net income (ytd only)* | 37.7076% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1147% | 4,142 |
| Loan loss allowance to noncurrent loans | 85.2747% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 1.2759% | 1,832 |
| Noncurrent loans to loans | 1.3071% | 1,951 |
| Net loans and leases to total assets | 74.2413% | 1,696 |
| Net loans and leases to deposits | 96.7285% | 935 |
| Net loans and leases to core deposits | 121.8539% | 426 |
| Total domestic deposits to total assets | 76.7522% | 5,387 |
| Equity capital to assets | 9.9888% | 4,167 |
| Core capital (leverage) ratio | 9.9864% | 3,651 |
| Tier 1 risk-based capital ratio | 13.3369% | 4,226 |
| Total risk-based capital ratio | 14.4844% | 4,216 |
| Memoranda: | ||
| Average total assets | $287,698,250 | 2,239 |
| Average earning assets | $263,048,500 | 2,263 |
| Average equity | $30,489,750 | 2,302 |
| Average total loans | $209,041,000 | 2,010 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3746% | 1,933 |
| Cost of funding earning assets | 0.5602% | 1,734 |
| Net interest margin | 3.8144% | 2,254 |
| Noninterest income to average assets | 1.2963% | 725 |
| Noninterest expense to average assets | 3.3002% | 1,706 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0294% | 2,234 |
| Return on assets (ROA) | 1.0294% | 2,350 |
| Pretax return on assets | 1.4714% | 1,721 |
| Return on Equity (ROE) | 9.5132% | 2,297 |
| Retained earnings to average equity (ytd only) | 9.5132% | 778 |
| Net charge-offs to loans | 0.2122% | 1,199 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 9.6589% | 2,435 |
| Efficiency ratio | 69.1631% | 3,462 |
| Assets per employee ($millions) | 3.4232% | 4,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2151% | 3,702 |
| Loan loss allowance to noncurrent loans | 83.7286% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 1.3327% | 1,884 |
| Noncurrent loans to loans | 1.4512% | 1,837 |
| Net loans and leases to total assets | 71.8723% | 2,007 |
| Net loans and leases to deposits | 91.0250% | 1,482 |
| Net loans and leases to core deposits | 110.5562% | 805 |
| Total domestic deposits to total assets | 78.9588% | 5,104 |
| Equity capital to assets | 10.7642% | 3,147 |
| Core capital (leverage) ratio | 10.5738% | 2,871 |
| Tier 1 risk-based capital ratio | 14.8678% | 3,435 |
| Total risk-based capital ratio | 16.1180% | 3,366 |
| Memoranda: | ||
| Average total assets | $280,952,670 | 2,297 |
| Average earning assets | $255,976,330 | 2,326 |
| Average equity | $30,400,000 | 2,310 |
| Average total loans | $201,657,330 | 2,072 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3532% | 1,931 |
| Cost of funding earning assets | 0.5602% | 1,752 |
| Net interest margin | 3.7931% | 2,253 |
| Noninterest income to average assets | 1.1784% | 822 |
| Noninterest expense to average assets | 3.2068% | 1,966 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0041% | 2,248 |
| Return on assets (ROA) | 1.0041% | 2,386 |
| Pretax return on assets | 1.4248% | 1,795 |
| Return on Equity (ROE) | 9.2551% | 2,336 |
| Retained earnings to average equity (ytd only) | 9.2551% | 1,115 |
| Net charge-offs to loans | 0.1839% | 1,190 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 10.8681% | 1,907 |
| Efficiency ratio | 69.2379% | 3,617 |
| Assets per employee ($millions) | 4.0580% | 3,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3360% | 3,214 |
| Loan loss allowance to noncurrent loans | 80.0781% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 1.4525% | 1,817 |
| Noncurrent loans to loans | 1.6684% | 1,661 |
| Net loans and leases to total assets | 70.2876% | 2,098 |
| Net loans and leases to deposits | 90.4432% | 1,342 |
| Net loans and leases to core deposits | 110.0537% | 745 |
| Total domestic deposits to total assets | 77.7146% | 5,498 |
| Equity capital to assets | 10.9206% | 3,067 |
| Core capital (leverage) ratio | 10.6222% | 2,829 |
| Tier 1 risk-based capital ratio | 15.2802% | 3,279 |
| Total risk-based capital ratio | 16.5318% | 3,200 |
| Memoranda: | ||
| Average total assets | $277,656,000 | 2,331 |
| Average earning assets | $252,777,500 | 2,367 |
| Average equity | $30,124,000 | 2,340 |
| Average total loans | $197,882,000 | 2,099 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3636% | 2,353 |
| Cost of funding earning assets | 0.5884% | 1,873 |
| Net interest margin | 3.7752% | 2,711 |
| Noninterest income to average assets | 1.5682% | 511 |
| Noninterest expense to average assets | 3.5388% | 1,405 |
| Loan and lease loss provision to assets | 0.0759% | 2,957 |
| Net operating income to assets | 0.9601% | 2,581 |
| Return on assets (ROA) | 0.9601% | 2,661 |
| Pretax return on assets | 1.4118% | 1,847 |
| Return on Equity (ROE) | 8.7506% | 2,704 |
| Retained earnings to average equity (ytd only) | 3.5605% | 3,695 |
| Net charge-offs to loans | 0.1998% | 2,069 |
| Credit loss provision to net charge-offs | 53.7634% | 3,408 |
| Earnings coverage of net charge-offs (x) | 10.5349% | 2,602 |
| Efficiency ratio | 70.4025% | 3,471 |
| Assets per employee ($millions) | 3.9900% | 3,978 |
| Cash dividends to net income (ytd only)* | 59.3120% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4040% | 2,931 |
| Loan loss allowance to noncurrent loans | 68.0494% | 4,573 |
| Noncurrent assets plus other real estate owned to assets | 1.7747% | 1,477 |
| Noncurrent loans to loans | 2.0633% | 1,328 |
| Net loans and leases to total assets | 70.2976% | 2,193 |
| Net loans and leases to deposits | 90.4597% | 1,472 |
| Net loans and leases to core deposits | 110.0882% | 768 |
| Total domestic deposits to total assets | 77.7115% | 5,485 |
| Equity capital to assets | 10.7770% | 3,148 |
| Core capital (leverage) ratio | 10.4263% | 3,029 |
| Tier 1 risk-based capital ratio | 14.6029% | 3,722 |
| Total risk-based capital ratio | 15.8549% | 3,651 |
| Memoranda: | ||
| Average total assets | $263,423,200 | 2,397 |
| Average earning assets | $241,313,400 | 2,422 |
| Average equity | $28,900,800 | 2,356 |
| Average total loans | $186,184,800 | 2,154 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3989% | 2,227 |
| Cost of funding earning assets | 0.5881% | 1,943 |
| Net interest margin | 3.8108% | 2,574 |
| Noninterest income to average assets | 1.6146% | 496 |
| Noninterest expense to average assets | 3.4744% | 1,515 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0940% | 2,057 |
| Return on assets (ROA) | 1.0940% | 2,125 |
| Pretax return on assets | 1.6330% | 1,229 |
| Return on Equity (ROE) | 9.9248% | 2,256 |
| Retained earnings to average equity (ytd only) | 2.9584% | 4,489 |
| Net charge-offs to loans | 0.0791% | 3,070 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 29.2660% | 1,392 |
| Efficiency ratio | 68.0265% | 3,849 |
| Assets per employee ($millions) | 4.0664% | 3,743 |
| Cash dividends to net income (ytd only)* | 70.1919% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4536% | 2,931 |
| Loan loss allowance to noncurrent loans | 68.3394% | 4,529 |
| Noncurrent assets plus other real estate owned to assets | 1.8035% | 1,646 |
| Noncurrent loans to loans | 2.1270% | 1,463 |
| Net loans and leases to total assets | 69.1151% | 2,343 |
| Net loans and leases to deposits | 89.2935% | 1,509 |
| Net loans and leases to core deposits | 107.9832% | 854 |
| Total domestic deposits to total assets | 77.4022% | 5,614 |
| Equity capital to assets | 10.4722% | 3,601 |
| Core capital (leverage) ratio | 10.3519% | 3,209 |
| Tier 1 risk-based capital ratio | 14.4528% | 3,914 |
| Total risk-based capital ratio | 15.7050% | 3,855 |
| Memoranda: | ||
| Average total assets | $260,452,000 | 2,447 |
| Average earning assets | $238,718,250 | 2,453 |
| Average equity | $28,708,500 | 2,372 |
| Average total loans | $183,658,250 | 2,196 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4450% | 2,012 |
| Cost of funding earning assets | 0.5842% | 2,032 |
| Net interest margin | 3.8608% | 2,327 |
| Noninterest income to average assets | 1.6307% | 479 |
| Noninterest expense to average assets | 3.5085% | 1,463 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1094% | 1,902 |
| Return on assets (ROA) | 1.1094% | 1,977 |
| Pretax return on assets | 1.6558% | 1,124 |
| Return on Equity (ROE) | 9.8862% | 2,204 |
| Retained earnings to average equity (ytd only) | 9.8862% | 743 |
| Net charge-offs to loans | 0.0067% | 4,150 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 352.0000% | 196 |
| Efficiency ratio | 67.9368% | 4,019 |
| Assets per employee ($millions) | 3.9513% | 3,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5310% | 2,756 |
| Loan loss allowance to noncurrent loans | 70.4776% | 4,490 |
| Noncurrent assets plus other real estate owned to assets | 1.8884% | 1,715 |
| Noncurrent loans to loans | 2.1723% | 1,517 |
| Net loans and leases to total assets | 69.9467% | 2,095 |
| Net loans and leases to deposits | 93.2260% | 1,031 |
| Net loans and leases to core deposits | 110.2404% | 686 |
| Total domestic deposits to total assets | 75.0291% | 6,021 |
| Equity capital to assets | 11.0343% | 2,837 |
| Core capital (leverage) ratio | 11.1862% | 2,259 |
| Tier 1 risk-based capital ratio | 15.3488% | 3,440 |
| Total risk-based capital ratio | 16.6023% | 3,390 |
| Memoranda: | ||
| Average total assets | $255,098,000 | 2,505 |
| Average earning assets | $233,476,000 | 2,508 |
| Average equity | $28,625,670 | 2,369 |
| Average total loans | $180,233,670 | 2,232 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3839% | 2,203 |
| Cost of funding earning assets | 0.5740% | 2,214 |
| Net interest margin | 3.8099% | 2,432 |
| Noninterest income to average assets | 2.1248% | 302 |
| Noninterest expense to average assets | 3.6069% | 1,297 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3065% | 1,195 |
| Return on assets (ROA) | 1.3065% | 1,242 |
| Pretax return on assets | 2.0040% | 531 |
| Return on Equity (ROE) | 11.5385% | 1,536 |
| Retained earnings to average equity (ytd only) | 11.5385% | 670 |
| Net charge-offs to loans | 0.0160% | 3,269 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 177.7143% | 280 |
| Efficiency ratio | 64.2837% | 4,816 |
| Assets per employee ($millions) | 3.6498% | 4,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6385% | 2,551 |
| Loan loss allowance to noncurrent loans | 66.4317% | 4,622 |
| Noncurrent assets plus other real estate owned to assets | 2.1145% | 1,582 |
| Noncurrent loans to loans | 2.4664% | 1,409 |
| Net loans and leases to total assets | 69.6300% | 1,960 |
| Net loans and leases to deposits | 96.1296% | 650 |
| Net loans and leases to core deposits | 105.8953% | 763 |
| Total domestic deposits to total assets | 72.4334% | 6,340 |
| Equity capital to assets | 11.4163% | 2,318 |
| Core capital (leverage) ratio | 11.5176% | 1,955 |
| Tier 1 risk-based capital ratio | 15.9472% | 3,192 |
| Total risk-based capital ratio | 17.2018% | 3,144 |
| Memoranda: | ||
| Average total assets | $248,302,500 | 2,574 |
| Average earning assets | $227,195,500 | 2,581 |
| Average equity | $28,114,500 | 2,395 |
| Average total loans | $174,920,000 | 2,289 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7562% | 1,426 |
| Cost of funding earning assets | 0.6662% | 2,061 |
| Net interest margin | 4.0900% | 1,673 |
| Noninterest income to average assets | 1.3288% | 783 |
| Noninterest expense to average assets | 3.5441% | 1,560 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9921% | 2,360 |
| Return on assets (ROA) | 0.9924% | 2,428 |
| Pretax return on assets | 1.4455% | 1,637 |
| Return on Equity (ROE) | 8.3628% | 2,847 |
| Retained earnings to average equity (ytd only) | -0.0987% | 5,888 |
| Net charge-offs to loans | 0.3080% | 2,145 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 6.9080% | 2,954 |
| Efficiency ratio | 71.0356% | 3,663 |
| Assets per employee ($millions) | 3.4967% | 4,904 |
| Cash dividends to net income (ytd only)* | 101.1804% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7066% | 2,381 |
| Loan loss allowance to noncurrent loans | 62.9271% | 4,764 |
| Noncurrent assets plus other real estate owned to assets | 2.3475% | 1,485 |
| Noncurrent loans to loans | 2.7121% | 1,343 |
| Net loans and leases to total assets | 68.8966% | 2,193 |
| Net loans and leases to deposits | 90.1321% | 1,231 |
| Net loans and leases to core deposits | 98.8894% | 1,243 |
| Total domestic deposits to total assets | 76.4396% | 6,054 |
| Equity capital to assets | 11.2264% | 2,403 |
| Core capital (leverage) ratio | 11.1311% | 2,254 |
| Tier 1 risk-based capital ratio | 16.0688% | 3,067 |
| Total risk-based capital ratio | 17.3243% | 3,023 |
| Memoranda: | ||
| Average total assets | $239,020,000 | 2,626 |
| Average earning assets | $213,912,200 | 2,677 |
| Average equity | $28,363,600 | 2,350 |
| Average total loans | $162,331,000 | 2,387 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8084% | 1,331 |
| Cost of funding earning assets | 0.6899% | 2,018 |
| Net interest margin | 4.1185% | 1,578 |
| Noninterest income to average assets | 1.3530% | 796 |
| Noninterest expense to average assets | 3.6225% | 1,359 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9604% | 2,536 |
| Return on assets (ROA) | 0.9608% | 2,641 |
| Pretax return on assets | 1.3963% | 1,939 |
| Return on Equity (ROE) | 7.9854% | 3,128 |
| Retained earnings to average equity (ytd only) | -3.2091% | 6,373 |
| Net charge-offs to loans | 0.2375% | 2,378 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 8.7263% | 2,585 |
| Efficiency ratio | 72.1874% | 3,370 |
| Assets per employee ($millions) | 3.5472% | 4,752 |
| Cash dividends to net income (ytd only)* | 140.1869% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8719% | 2,081 |
| Loan loss allowance to noncurrent loans | 69.5508% | 4,430 |
| Noncurrent assets plus other real estate owned to assets | 2.2929% | 1,718 |
| Noncurrent loans to loans | 2.6914% | 1,575 |
| Net loans and leases to total assets | 67.3167% | 2,413 |
| Net loans and leases to deposits | 87.1761% | 1,475 |
| Net loans and leases to core deposits | 95.6872% | 1,421 |
| Total domestic deposits to total assets | 77.2193% | 6,019 |
| Equity capital to assets | 10.9939% | 2,762 |
| Core capital (leverage) ratio | 11.1741% | 2,327 |
| Tier 1 risk-based capital ratio | 16.0010% | 3,195 |
| Total risk-based capital ratio | 17.2587% | 3,147 |
| Memoranda: | ||
| Average total assets | $237,582,250 | 2,657 |
| Average earning assets | $211,429,750 | 2,718 |
| Average equity | $28,584,750 | 2,363 |
| Average total loans | $160,022,000 | 2,441 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8759% | 1,155 |
| Cost of funding earning assets | 0.7216% | 1,913 |
| Net interest margin | 4.1543% | 1,396 |
| Noninterest income to average assets | 1.3181% | 897 |
| Noninterest expense to average assets | 3.5443% | 1,514 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0020% | 2,318 |
| Return on assets (ROA) | 1.0026% | 2,458 |
| Pretax return on assets | 1.4609% | 1,737 |
| Return on Equity (ROE) | 8.0910% | 3,048 |
| Retained earnings to average equity (ytd only) | 8.0910% | 1,449 |
| Net charge-offs to loans | 0.0635% | 3,794 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 34.3400% | 1,035 |
| Efficiency ratio | 70.8241% | 3,672 |
| Assets per employee ($millions) | 3.4336% | 4,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0792% | 1,679 |
| Loan loss allowance to noncurrent loans | 74.7180% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 2.3911% | 1,782 |
| Noncurrent loans to loans | 2.7828% | 1,632 |
| Net loans and leases to total assets | 67.1487% | 2,390 |
| Net loans and leases to deposits | 87.2967% | 1,427 |
| Net loans and leases to core deposits | 96.3311% | 1,325 |
| Total domestic deposits to total assets | 76.9201% | 6,137 |
| Equity capital to assets | 12.2554% | 1,737 |
| Core capital (leverage) ratio | 12.2560% | 1,473 |
| Tier 1 risk-based capital ratio | 17.9332% | 2,333 |
| Total risk-based capital ratio | 19.1940% | 2,302 |
| Memoranda: | ||
| Average total assets | $235,191,330 | 2,696 |
| Average earning assets | $208,700,000 | 2,760 |
| Average equity | $29,143,670 | 2,331 |
| Average total loans | $157,394,670 | 2,473 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0217% | 856 |
| Cost of funding earning assets | 0.7550% | 1,805 |
| Net interest margin | 4.2667% | 1,032 |
| Noninterest income to average assets | 1.4049% | 777 |
| Noninterest expense to average assets | 3.3508% | 1,953 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2194% | 1,481 |
| Return on assets (ROA) | 1.2205% | 1,584 |
| Pretax return on assets | 1.8180% | 856 |
| Return on Equity (ROE) | 9.7952% | 2,138 |
| Retained earnings to average equity (ytd only) | 9.7952% | 1,155 |
| Net charge-offs to loans | 0.0103% | 3,939 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 266.0000% | 146 |
| Efficiency ratio | 64.8497% | 4,850 |
| Assets per employee ($millions) | 3.3537% | 5,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1547% | 1,679 |
| Loan loss allowance to noncurrent loans | 67.1768% | 4,439 |
| Noncurrent assets plus other real estate owned to assets | 2.7058% | 1,676 |
| Noncurrent loans to loans | 3.2075% | 1,533 |
| Net loans and leases to total assets | 66.2323% | 2,330 |
| Net loans and leases to deposits | 86.1227% | 1,340 |
| Net loans and leases to core deposits | 91.2819% | 1,580 |
| Total domestic deposits to total assets | 76.9046% | 6,257 |
| Equity capital to assets | 12.5641% | 1,673 |
| Core capital (leverage) ratio | 12.2198% | 1,448 |
| Tier 1 risk-based capital ratio | 17.8876% | 2,414 |
| Total risk-based capital ratio | 19.1487% | 2,372 |
| Memoranda: | ||
| Average total assets | $234,329,000 | 2,732 |
| Average earning assets | $206,623,500 | 2,825 |
| Average equity | $29,198,000 | 2,355 |
| Average total loans | $154,860,000 | 2,522 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3317% | 870 |
| Cost of funding earning assets | 0.9267% | 1,775 |
| Net interest margin | 4.4050% | 1,153 |
| Noninterest income to average assets | 1.4116% | 780 |
| Noninterest expense to average assets | 3.8342% | 1,196 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.0017% | 2,327 |
| Return on assets (ROA) | 1.0144% | 2,492 |
| Pretax return on assets | 1.4884% | 1,711 |
| Return on Equity (ROE) | 8.4269% | 2,907 |
| Retained earnings to average equity (ytd only) | 8.4269% | 991 |
| Net charge-offs to loans | 0.9820% | 1,112 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 2.2578% | 4,290 |
| Efficiency ratio | 72.2895% | 3,363 |
| Assets per employee ($millions) | 3.2944% | 5,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2730% | 1,410 |
| Loan loss allowance to noncurrent loans | 75.4235% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 2.4951% | 1,958 |
| Noncurrent loans to loans | 3.0137% | 1,724 |
| Net loans and leases to total assets | 63.0108% | 3,053 |
| Net loans and leases to deposits | 79.0957% | 2,393 |
| Net loans and leases to core deposits | 85.1275% | 2,411 |
| Total domestic deposits to total assets | 79.6640% | 5,751 |
| Equity capital to assets | 12.3561% | 1,817 |
| Core capital (leverage) ratio | 11.9894% | 1,568 |
| Tier 1 risk-based capital ratio | 18.5362% | 2,095 |
| Total risk-based capital ratio | 19.7992% | 2,057 |
| Memoranda: | ||
| Average total assets | $230,584,800 | 2,719 |
| Average earning assets | $203,743,600 | 2,813 |
| Average equity | $27,756,400 | 2,417 |
| Average total loans | $152,855,400 | 2,531 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4382% | 766 |
| Cost of funding earning assets | 0.9556% | 1,823 |
| Net interest margin | 4.4826% | 1,025 |
| Noninterest income to average assets | 1.4073% | 754 |
| Noninterest expense to average assets | 3.7900% | 1,230 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0804% | 2,166 |
| Return on assets (ROA) | 1.0974% | 2,300 |
| Pretax return on assets | 1.6249% | 1,493 |
| Return on Equity (ROE) | 9.1782% | 2,718 |
| Retained earnings to average equity (ytd only) | 9.1782% | 1,161 |
| Net charge-offs to loans | 1.0667% | 979 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 2.2469% | 4,143 |
| Efficiency ratio | 70.3165% | 3,631 |
| Assets per employee ($millions) | 3.1915% | 5,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4488% | 1,270 |
| Loan loss allowance to noncurrent loans | 85.6350% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 2.4273% | 2,185 |
| Noncurrent loans to loans | 2.8596% | 1,968 |
| Net loans and leases to total assets | 63.2988% | 3,156 |
| Net loans and leases to deposits | 79.7274% | 2,435 |
| Net loans and leases to core deposits | 83.7508% | 2,724 |
| Total domestic deposits to total assets | 79.3940% | 5,781 |
| Equity capital to assets | 12.2991% | 2,044 |
| Core capital (leverage) ratio | 12.0354% | 1,635 |
| Tier 1 risk-based capital ratio | 18.4073% | 2,197 |
| Total risk-based capital ratio | 19.6725% | 2,161 |
| Memoranda: | ||
| Average total assets | $229,755,750 | 2,757 |
| Average earning assets | $204,131,500 | 2,828 |
| Average equity | $27,470,250 | 2,461 |
| Average total loans | $153,366,500 | 2,554 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5357% | 671 |
| Cost of funding earning assets | 0.9808% | 1,874 |
| Net interest margin | 4.5549% | 901 |
| Noninterest income to average assets | 1.5034% | 646 |
| Noninterest expense to average assets | 3.7187% | 1,339 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2389% | 1,586 |
| Return on assets (ROA) | 1.2541% | 1,720 |
| Pretax return on assets | 1.8812% | 880 |
| Return on Equity (ROE) | 10.5925% | 2,136 |
| Retained earnings to average equity (ytd only) | 10.5925% | 832 |
| Net charge-offs to loans | 0.8579% | 1,291 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 3.2148% | 3,455 |
| Efficiency ratio | 66.6771% | 4,386 |
| Assets per employee ($millions) | 3.1286% | 5,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7868% | 960 |
| Loan loss allowance to noncurrent loans | 81.4815% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 2.7097% | 2,032 |
| Noncurrent loans to loans | 3.4202% | 1,691 |
| Net loans and leases to total assets | 66.0936% | 2,652 |
| Net loans and leases to deposits | 83.7009% | 1,897 |
| Net loans and leases to core deposits | 89.3071% | 2,061 |
| Total domestic deposits to total assets | 78.9640% | 5,969 |
| Equity capital to assets | 12.4979% | 1,816 |
| Core capital (leverage) ratio | 11.7922% | 1,730 |
| Tier 1 risk-based capital ratio | 18.0126% | 2,285 |
| Total risk-based capital ratio | 19.2829% | 2,252 |
| Memoranda: | ||
| Average total assets | $228,682,330 | 2,773 |
| Average earning assets | $204,528,000 | 2,826 |
| Average equity | $27,075,670 | 2,477 |
| Average total loans | $154,097,670 | 2,545 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4004% | 910 |
| Cost of funding earning assets | 1.0089% | 1,926 |
| Net interest margin | 4.3915% | 1,249 |
| Noninterest income to average assets | 1.1545% | 1,065 |
| Noninterest expense to average assets | 3.7605% | 1,278 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9016% | 2,906 |
| Return on assets (ROA) | 0.8907% | 3,187 |
| Pretax return on assets | 1.2778% | 2,620 |
| Return on Equity (ROE) | 7.7326% | 3,393 |
| Retained earnings to average equity (ytd only) | 7.7326% | 2,077 |
| Net charge-offs to loans | 0.5797% | 1,647 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 3.3259% | 2,878 |
| Efficiency ratio | 74.4074% | 3,033 |
| Assets per employee ($millions) | 3.1730% | 5,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0916% | 768 |
| Loan loss allowance to noncurrent loans | 83.6742% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 3.0356% | 1,914 |
| Noncurrent loans to loans | 3.6948% | 1,677 |
| Net loans and leases to total assets | 64.5561% | 2,750 |
| Net loans and leases to deposits | 80.6789% | 2,104 |
| Net loans and leases to core deposits | 84.9046% | 2,423 |
| Total domestic deposits to total assets | 80.0161% | 5,850 |
| Equity capital to assets | 11.7105% | 2,254 |
| Core capital (leverage) ratio | 11.1425% | 2,151 |
| Tier 1 risk-based capital ratio | 17.2249% | 2,590 |
| Total risk-based capital ratio | 18.4987% | 2,550 |
| Memoranda: | ||
| Average total assets | $230,393,000 | 2,763 |
| Average earning assets | $204,578,000 | 2,839 |
| Average equity | $26,537,000 | 2,520 |
| Average total loans | $154,571,000 | 2,561 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4499% | 1,297 |
| Cost of funding earning assets | 1.4003% | 1,040 |
| Net interest margin | 4.0496% | 2,636 |
| Noninterest income to average assets | 1.1960% | 928 |
| Noninterest expense to average assets | 3.3835% | 2,285 |
| Loan and lease loss provision to assets | 0.5559% | 1,877 |
| Net operating income to assets | 0.6444% | 3,764 |
| Return on assets (ROA) | 0.7233% | 3,545 |
| Pretax return on assets | 1.0006% | 3,245 |
| Return on Equity (ROE) | 6.6857% | 3,546 |
| Retained earnings to average equity (ytd only) | 6.2871% | 1,860 |
| Net charge-offs to loans | 1.2002% | 1,401 |
| Credit loss provision to net charge-offs | 66.3407% | 4,986 |
| Earnings coverage of net charge-offs (x) | 1.7267% | 4,482 |
| Efficiency ratio | 70.0446% | 3,951 |
| Assets per employee ($millions) | 3.2268% | 5,659 |
| Cash dividends to net income (ytd only)* | 5.9630% | 3,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1404% | 717 |
| Loan loss allowance to noncurrent loans | 62.6382% | 4,366 |
| Noncurrent assets plus other real estate owned to assets | 4.0550% | 1,412 |
| Noncurrent loans to loans | 5.0135% | 1,120 |
| Net loans and leases to total assets | 65.4352% | 2,893 |
| Net loans and leases to deposits | 81.4202% | 2,288 |
| Net loans and leases to core deposits | 87.0432% | 2,499 |
| Total domestic deposits to total assets | 80.3673% | 5,638 |
| Equity capital to assets | 11.3290% | 2,663 |
| Core capital (leverage) ratio | 11.0070% | 2,265 |
| Tier 1 risk-based capital ratio | 16.5860% | 2,786 |
| Total risk-based capital ratio | 17.8607% | 2,742 |
| Memoranda: | ||
| Average total assets | $231,859,400 | 2,704 |
| Average earning assets | $208,095,600 | 2,750 |
| Average equity | $25,083,200 | 2,572 |
| Average total loans | $161,895,600 | 2,477 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4839% | 1,292 |
| Cost of funding earning assets | 1.4822% | 925 |
| Net interest margin | 4.0017% | 2,907 |
| Noninterest income to average assets | 1.0978% | 1,104 |
| Noninterest expense to average assets | 3.2397% | 2,694 |
| Loan and lease loss provision to assets | 0.7416% | 1,288 |
| Net operating income to assets | 0.5286% | 4,410 |
| Return on assets (ROA) | 0.6363% | 4,123 |
| Pretax return on assets | 0.8624% | 3,907 |
| Return on Equity (ROE) | 5.9524% | 4,037 |
| Retained earnings to average equity (ytd only) | 5.9524% | 2,584 |
| Net charge-offs to loans | 1.3445% | 1,125 |
| Credit loss provision to net charge-offs | 78.3587% | 4,194 |
| Earnings coverage of net charge-offs (x) | 1.5410% | 4,481 |
| Efficiency ratio | 68.9566% | 4,131 |
| Assets per employee ($millions) | 3.2039% | 5,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3066% | 656 |
| Loan loss allowance to noncurrent loans | 45.8469% | 5,264 |
| Noncurrent assets plus other real estate owned to assets | 5.7182% | 959 |
| Noncurrent loans to loans | 7.2123% | 672 |
| Net loans and leases to total assets | 66.2599% | 2,840 |
| Net loans and leases to deposits | 83.3489% | 2,118 |
| Net loans and leases to core deposits | 87.9657% | 2,497 |
| Total domestic deposits to total assets | 79.4971% | 5,870 |
| Equity capital to assets | 11.2375% | 2,929 |
| Core capital (leverage) ratio | 10.5136% | 2,850 |
| Tier 1 risk-based capital ratio | 15.9166% | 3,159 |
| Total risk-based capital ratio | 17.1931% | 3,102 |
| Memoranda: | ||
| Average total assets | $231,741,250 | 2,712 |
| Average earning assets | $208,508,500 | 2,751 |
| Average equity | $24,773,750 | 2,607 |
| Average total loans | $163,130,500 | 2,467 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5455% | 1,196 |
| Cost of funding earning assets | 1.5320% | 889 |
| Net interest margin | 4.0134% | 2,776 |
| Noninterest income to average assets | 1.0591% | 1,169 |
| Noninterest expense to average assets | 3.1703% | 3,005 |
| Loan and lease loss provision to assets | 1.0427% | 815 |
| Net operating income to assets | 0.3663% | 5,104 |
| Return on assets (ROA) | 0.4438% | 4,888 |
| Pretax return on assets | 0.5446% | 4,922 |
| Return on Equity (ROE) | 4.2229% | 4,825 |
| Retained earnings to average equity (ytd only) | 4.2229% | 3,511 |
| Net charge-offs to loans | 2.1430% | 603 |
| Credit loss provision to net charge-offs | 68.5164% | 4,091 |
| Earnings coverage of net charge-offs (x) | 0.9802% | 4,564 |
| Efficiency ratio | 68.0037% | 4,512 |
| Assets per employee ($millions) | 3.3079% | 5,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1630% | 787 |
| Loan loss allowance to noncurrent loans | 35.4563% | 5,942 |
| Noncurrent assets plus other real estate owned to assets | 7.1003% | 708 |
| Noncurrent loans to loans | 8.9208% | 468 |
| Net loans and leases to total assets | 67.4300% | 2,727 |
| Net loans and leases to deposits | 84.2350% | 2,071 |
| Net loans and leases to core deposits | 87.9020% | 2,657 |
| Total domestic deposits to total assets | 80.0499% | 5,811 |
| Equity capital to assets | 10.9431% | 3,018 |
| Core capital (leverage) ratio | 10.4286% | 2,788 |
| Tier 1 risk-based capital ratio | 15.6460% | 3,157 |
| Total risk-based capital ratio | 16.9212% | 3,113 |
| Memoranda: | ||
| Average total assets | $232,093,670 | 2,734 |
| Average earning assets | $208,350,330 | 2,778 |
| Average equity | $24,390,670 | 2,623 |
| Average total loans | $164,814,670 | 2,471 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5641% | 1,143 |
| Cost of funding earning assets | 1.5411% | 1,016 |
| Net interest margin | 4.0229% | 2,595 |
| Noninterest income to average assets | 0.9127% | 1,616 |
| Noninterest expense to average assets | 3.3143% | 2,516 |
| Loan and lease loss provision to assets | 1.2905% | 533 |
| Net operating income to assets | 0.0656% | 6,194 |
| Return on assets (ROA) | 0.0667% | 6,236 |
| Pretax return on assets | -0.0718% | 6,427 |
| Return on Equity (ROE) | 0.6474% | 6,231 |
| Retained earnings to average equity (ytd only) | 0.6474% | 5,567 |
| Net charge-offs to loans | 1.2494% | 1,112 |
| Credit loss provision to net charge-offs | 144.0840% | 1,965 |
| Earnings coverage of net charge-offs (x) | 1.3588% | 3,666 |
| Efficiency ratio | 73.1422% | 3,657 |
| Assets per employee ($millions) | 3.2665% | 5,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5409% | 588 |
| Loan loss allowance to noncurrent loans | 41.8003% | 5,515 |
| Noncurrent assets plus other real estate owned to assets | 6.7506% | 807 |
| Noncurrent loans to loans | 8.4709% | 556 |
| Net loans and leases to total assets | 68.2918% | 2,491 |
| Net loans and leases to deposits | 84.2969% | 1,983 |
| Net loans and leases to core deposits | 88.6242% | 2,526 |
| Total domestic deposits to total assets | 81.0134% | 5,649 |
| Equity capital to assets | 10.4566% | 3,233 |
| Core capital (leverage) ratio | 9.5971% | 3,665 |
| Tier 1 risk-based capital ratio | 14.2179% | 3,927 |
| Total risk-based capital ratio | 15.4982% | 3,875 |
| Memoranda: | ||
| Average total assets | $234,018,500 | 2,736 |
| Average earning assets | $210,492,500 | 2,776 |
| Average equity | $24,097,500 | 2,635 |
| Average total loans | $167,756,000 | 2,461 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7551% | 1,387 |
| Cost of funding earning assets | 1.7910% | 1,206 |
| Net interest margin | 3.9641% | 3,185 |
| Noninterest income to average assets | 1.1227% | 1,174 |
| Noninterest expense to average assets | 3.0429% | 3,681 |
| Loan and lease loss provision to assets | 1.3001% | 1,182 |
| Net operating income to assets | 0.3087% | 4,908 |
| Return on assets (ROA) | 0.3641% | 4,848 |
| Pretax return on assets | 0.4219% | 4,879 |
| Return on Equity (ROE) | 3.7293% | 4,645 |
| Retained earnings to average equity (ytd only) | 3.3117% | 3,549 |
| Net charge-offs to loans | 1.1307% | 1,973 |
| Credit loss provision to net charge-offs | 154.7307% | 2,289 |
| Earnings coverage of net charge-offs (x) | 1.9728% | 4,251 |
| Efficiency ratio | 64.7355% | 5,213 |
| Assets per employee ($millions) | 3.3256% | 5,373 |
| Cash dividends to net income (ytd only)* | 11.1982% | 3,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2589% | 697 |
| Loan loss allowance to noncurrent loans | 37.5909% | 5,804 |
| Noncurrent assets plus other real estate owned to assets | 6.7454% | 831 |
| Noncurrent loans to loans | 8.6694% | 554 |
| Net loans and leases to total assets | 70.1909% | 2,498 |
| Net loans and leases to deposits | 87.3142% | 1,891 |
| Net loans and leases to core deposits | 92.5650% | 2,433 |
| Total domestic deposits to total assets | 80.3889% | 5,724 |
| Equity capital to assets | 10.1408% | 3,570 |
| Core capital (leverage) ratio | 9.1661% | 4,234 |
| Tier 1 risk-based capital ratio | 13.6101% | 4,125 |
| Total risk-based capital ratio | 14.8870% | 4,077 |
| Memoranda: | ||
| Average total assets | $245,295,400 | 2,592 |
| Average earning assets | $221,386,800 | 2,614 |
| Average equity | $23,945,600 | 2,660 |
| Average total loans | $182,270,000 | 2,328 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8111% | 1,361 |
| Cost of funding earning assets | 1.8490% | 1,216 |
| Net interest margin | 3.9621% | 3,281 |
| Noninterest income to average assets | 1.0937% | 1,188 |
| Noninterest expense to average assets | 3.0210% | 3,672 |
| Loan and lease loss provision to assets | 1.2289% | 1,152 |
| Net operating income to assets | 0.3462% | 4,989 |
| Return on assets (ROA) | 0.4168% | 4,849 |
| Pretax return on assets | 0.5014% | 4,919 |
| Return on Equity (ROE) | 4.3096% | 4,639 |
| Retained earnings to average equity (ytd only) | 3.7528% | 3,822 |
| Net charge-offs to loans | 0.8381% | 2,360 |
| Credit loss provision to net charge-offs | 196.2167% | 1,820 |
| Earnings coverage of net charge-offs (x) | 2.6268% | 3,839 |
| Efficiency ratio | 64.7432% | 5,099 |
| Assets per employee ($millions) | 3.4898% | 5,008 |
| Cash dividends to net income (ytd only)* | 12.9199% | 3,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0970% | 762 |
| Loan loss allowance to noncurrent loans | 34.3480% | 6,037 |
| Noncurrent assets plus other real estate owned to assets | 7.0450% | 765 |
| Noncurrent loans to loans | 9.0164% | 535 |
| Net loans and leases to total assets | 71.3957% | 2,384 |
| Net loans and leases to deposits | 87.6396% | 2,058 |
| Net loans and leases to core deposits | 97.9204% | 2,053 |
| Total domestic deposits to total assets | 81.4651% | 5,212 |
| Equity capital to assets | 10.0391% | 4,109 |
| Core capital (leverage) ratio | 9.3830% | 4,084 |
| Tier 1 risk-based capital ratio | 13.7348% | 4,029 |
| Total risk-based capital ratio | 15.0111% | 3,970 |
| Memoranda: | ||
| Average total assets | $247,590,250 | 2,599 |
| Average earning assets | $223,244,500 | 2,631 |
| Average equity | $23,946,000 | 2,701 |
| Average total loans | $185,008,750 | 2,329 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8572% | 1,286 |
| Cost of funding earning assets | 1.9515% | 1,036 |
| Net interest margin | 3.9057% | 3,417 |
| Noninterest income to average assets | 0.9329% | 1,571 |
| Noninterest expense to average assets | 3.0335% | 3,583 |
| Loan and lease loss provision to assets | 1.3470% | 1,003 |
| Net operating income to assets | 0.1544% | 5,708 |
| Return on assets (ROA) | 0.1641% | 5,798 |
| Pretax return on assets | 0.0788% | 6,022 |
| Return on Equity (ROE) | 1.7177% | 5,723 |
| Retained earnings to average equity (ytd only) | 0.8757% | 5,419 |
| Net charge-offs to loans | 0.9471% | 1,943 |
| Credit loss provision to net charge-offs | 189.4796% | 2,080 |
| Earnings coverage of net charge-offs (x) | 1.9921% | 4,031 |
| Efficiency ratio | 68.1728% | 4,548 |
| Assets per employee ($millions) | 3.5130% | 4,895 |
| Cash dividends to net income (ytd only)* | 49.0196% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8594% | 947 |
| Loan loss allowance to noncurrent loans | 35.3314% | 6,002 |
| Noncurrent assets plus other real estate owned to assets | 6.5975% | 840 |
| Noncurrent loans to loans | 8.0932% | 639 |
| Net loans and leases to total assets | 73.5233% | 2,021 |
| Net loans and leases to deposits | 91.7159% | 1,577 |
| Net loans and leases to core deposits | 99.8666% | 2,034 |
| Total domestic deposits to total assets | 80.1641% | 5,681 |
| Equity capital to assets | 9.8592% | 4,189 |
| Core capital (leverage) ratio | 9.0069% | 4,591 |
| Tier 1 risk-based capital ratio | 13.1196% | 4,348 |
| Total risk-based capital ratio | 14.3925% | 4,284 |
| Memoranda: | ||
| Average total assets | $248,692,000 | 2,616 |
| Average earning assets | $223,930,330 | 2,641 |
| Average equity | $23,753,330 | 2,716 |
| Average total loans | $186,684,000 | 2,346 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8513% | 1,323 |
| Cost of funding earning assets | 2.0676% | 898 |
| Net interest margin | 3.7837% | 3,861 |
| Noninterest income to average assets | 0.7529% | 2,282 |
| Noninterest expense to average assets | 2.9812% | 3,746 |
| Loan and lease loss provision to assets | 1.5391% | 756 |
| Net operating income to assets | -0.1170% | 6,447 |
| Return on assets (ROA) | -0.1159% | 6,526 |
| Pretax return on assets | -0.3796% | 6,706 |
| Return on Equity (ROE) | -1.2331% | 6,553 |
| Retained earnings to average equity (ytd only) | -2.9222% | 6,350 |
| Net charge-offs to loans | 0.4397% | 2,730 |
| Credit loss provision to net charge-offs | 468.1159% | 897 |
| Earnings coverage of net charge-offs (x) | 3.5217% | 2,881 |
| Efficiency ratio | 72.0261% | 3,929 |
| Assets per employee ($millions) | 3.2488% | 5,654 |
| Cash dividends to net income (ytd only)* | -136.9863% | 7,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7979% | 989 |
| Loan loss allowance to noncurrent loans | 34.3653% | 6,093 |
| Noncurrent assets plus other real estate owned to assets | 6.5934% | 857 |
| Noncurrent loans to loans | 8.1418% | 652 |
| Net loans and leases to total assets | 72.4503% | 2,341 |
| Net loans and leases to deposits | 92.3568% | 1,561 |
| Net loans and leases to core deposits | 98.7905% | 2,263 |
| Total domestic deposits to total assets | 78.4461% | 6,214 |
| Equity capital to assets | 9.4380% | 4,633 |
| Core capital (leverage) ratio | 9.0559% | 4,464 |
| Tier 1 risk-based capital ratio | 12.9248% | 4,392 |
| Total risk-based capital ratio | 14.1956% | 4,352 |
| Memoranda: | ||
| Average total assets | $251,841,000 | 2,636 |
| Average earning assets | $225,385,500 | 2,685 |
| Average equity | $23,681,000 | 2,753 |
| Average total loans | $188,295,000 | 2,398 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9635% | 2,010 |
| Cost of funding earning assets | 2.1851% | 2,100 |
| Net interest margin | 3.7784% | 3,807 |
| Noninterest income to average assets | 1.0596% | 1,376 |
| Noninterest expense to average assets | 2.9855% | 4,205 |
| Loan and lease loss provision to assets | 1.5453% | 1,492 |
| Net operating income to assets | 0.1159% | 5,165 |
| Return on assets (ROA) | 0.1010% | 5,257 |
| Pretax return on assets | -0.0513% | 5,523 |
| Return on Equity (ROE) | 1.0466% | 5,221 |
| Retained earnings to average equity (ytd only) | -1.4453% | 5,383 |
| Net charge-offs to loans | 1.3266% | 1,881 |
| Credit loss provision to net charge-offs | 152.6524% | 3,002 |
| Earnings coverage of net charge-offs (x) | 1.4988% | 4,626 |
| Efficiency ratio | 66.3047% | 5,337 |
| Assets per employee ($millions) | 3.1299% | 5,916 |
| Cash dividends to net income (ytd only)* | 238.0952% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3431% | 1,414 |
| Loan loss allowance to noncurrent loans | 30.7453% | 6,418 |
| Noncurrent assets plus other real estate owned to assets | 6.2543% | 885 |
| Noncurrent loans to loans | 7.6210% | 681 |
| Net loans and leases to total assets | 73.2387% | 2,440 |
| Net loans and leases to deposits | 94.3203% | 1,556 |
| Net loans and leases to core deposits | 113.6779% | 2,534 |
| Total domestic deposits to total assets | 77.6490% | 6,312 |
| Equity capital to assets | 9.3688% | 4,606 |
| Core capital (leverage) ratio | 9.1007% | 4,265 |
| Tier 1 risk-based capital ratio | 12.2892% | 4,698 |
| Total risk-based capital ratio | 13.5530% | 4,640 |
| Memoranda: | ||
| Average total assets | $249,536,400 | 2,612 |
| Average earning assets | $227,400,800 | 2,622 |
| Average equity | $24,078,000 | 2,716 |
| Average total loans | $190,417,600 | 2,402 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0133% | 1,978 |
| Cost of funding earning assets | 2.1979% | 2,425 |
| Net interest margin | 3.8154% | 3,592 |
| Noninterest income to average assets | 0.9790% | 1,674 |
| Noninterest expense to average assets | 3.1146% | 3,602 |
| Loan and lease loss provision to assets | 1.5691% | 1,209 |
| Net operating income to assets | -0.0082% | 5,720 |
| Return on assets (ROA) | 0.0000% | 5,768 |
| Pretax return on assets | -0.2006% | 5,979 |
| Return on Equity (ROE) | 0.0000% | 5,771 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,202 |
| Net charge-offs to loans | 1.6071% | 1,269 |
| Credit loss provision to net charge-offs | 127.3955% | 3,944 |
| Earnings coverage of net charge-offs (x) | 1.1006% | 4,963 |
| Efficiency ratio | 69.6748% | 4,651 |
| Assets per employee ($millions) | 3.1088% | 5,885 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9728% | 1,864 |
| Loan loss allowance to noncurrent loans | 26.1803% | 6,710 |
| Noncurrent assets plus other real estate owned to assets | 6.5306% | 767 |
| Noncurrent loans to loans | 7.5355% | 684 |
| Net loans and leases to total assets | 75.0013% | 2,246 |
| Net loans and leases to deposits | 92.9727% | 2,066 |
| Net loans and leases to core deposits | 115.6759% | 2,659 |
| Total domestic deposits to total assets | 80.6703% | 5,196 |
| Equity capital to assets | 9.7360% | 4,443 |
| Core capital (leverage) ratio | 9.3949% | 4,056 |
| Tier 1 risk-based capital ratio | 12.7185% | 4,377 |
| Total risk-based capital ratio | 13.9482% | 4,346 |
| Memoranda: | ||
| Average total assets | $248,539,750 | 2,639 |
| Average earning assets | $227,422,750 | 2,635 |
| Average equity | $24,159,500 | 2,724 |
| Average total loans | $190,489,000 | 2,425 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1153% | 1,740 |
| Cost of funding earning assets | 2.1913% | 2,834 |
| Net interest margin | 3.9240% | 3,000 |
| Noninterest income to average assets | 1.1011% | 1,310 |
| Noninterest expense to average assets | 3.1261% | 3,595 |
| Loan and lease loss provision to assets | 1.6162% | 1,044 |
| Net operating income to assets | 0.1196% | 5,502 |
| Return on assets (ROA) | 0.1320% | 5,575 |
| Pretax return on assets | -0.0274% | 5,902 |
| Return on Equity (ROE) | 1.3587% | 5,517 |
| Retained earnings to average equity (ytd only) | 1.3587% | 4,582 |
| Net charge-offs to loans | 1.9385% | 963 |
| Credit loss provision to net charge-offs | 108.7168% | 4,252 |
| Earnings coverage of net charge-offs (x) | 1.0558% | 4,732 |
| Efficiency ratio | 66.5752% | 5,446 |
| Assets per employee ($millions) | 3.0760% | 5,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7364% | 2,227 |
| Loan loss allowance to noncurrent loans | 25.7847% | 6,790 |
| Noncurrent assets plus other real estate owned to assets | 5.8981% | 825 |
| Noncurrent loans to loans | 6.7343% | 760 |
| Net loans and leases to total assets | 75.5665% | 2,294 |
| Net loans and leases to deposits | 94.9384% | 1,965 |
| Net loans and leases to core deposits | 114.9788% | 2,808 |
| Total domestic deposits to total assets | 79.5953% | 5,594 |
| Equity capital to assets | 9.8017% | 4,212 |
| Core capital (leverage) ratio | 9.4177% | 4,005 |
| Tier 1 risk-based capital ratio | 12.7654% | 4,308 |
| Total risk-based capital ratio | 14.0220% | 4,215 |
| Memoranda: | ||
| Average total assets | $248,484,670 | 2,652 |
| Average earning assets | $227,625,000 | 2,658 |
| Average equity | $24,141,330 | 2,738 |
| Average total loans | $190,556,670 | 2,452 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0997% | 1,942 |
| Cost of funding earning assets | 2.1992% | 3,171 |
| Net interest margin | 3.9005% | 3,035 |
| Noninterest income to average assets | 0.9340% | 1,723 |
| Noninterest expense to average assets | 3.0166% | 3,690 |
| Loan and lease loss provision to assets | 1.6533% | 752 |
| Net operating income to assets | -0.0213% | 6,292 |
| Return on assets (ROA) | -0.0192% | 6,416 |
| Pretax return on assets | -0.1442% | 6,517 |
| Return on Equity (ROE) | -0.1987% | 6,428 |
| Retained earnings to average equity (ytd only) | -0.1987% | 5,686 |
| Net charge-offs to loans | 0.2155% | 3,351 |
| Credit loss provision to net charge-offs | 1,001.9417% | 611 |
| Earnings coverage of net charge-offs (x) | 9.1262% | 2,099 |
| Efficiency ratio | 66.7021% | 5,196 |
| Assets per employee ($millions) | 2.8269% | 6,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1098% | 1,213 |
| Loan loss allowance to noncurrent loans | 55.2467% | 4,886 |
| Noncurrent assets plus other real estate owned to assets | 3.1588% | 1,772 |
| Noncurrent loans to loans | 3.8188% | 1,611 |
| Net loans and leases to total assets | 75.6127% | 2,359 |
| Net loans and leases to deposits | 93.4069% | 2,369 |
| Net loans and leases to core deposits | 116.9048% | 2,691 |
| Total domestic deposits to total assets | 80.9498% | 4,993 |
| Equity capital to assets | 9.6925% | 4,396 |
| Core capital (leverage) ratio | 9.3451% | 4,179 |
| Tier 1 risk-based capital ratio | 12.5969% | 4,478 |
| Total risk-based capital ratio | 13.8587% | 4,388 |
| Memoranda: | ||
| Average total assets | $249,687,000 | 2,649 |
| Average earning assets | $229,715,000 | 2,648 |
| Average equity | $24,152,000 | 2,747 |
| Average total loans | $191,215,000 | 2,462 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4441% | 3,211 |
| Cost of funding earning assets | 2.8429% | 2,510 |
| Net interest margin | 3.6012% | 4,879 |
| Noninterest income to average assets | 1.2336% | 978 |
| Noninterest expense to average assets | 3.2795% | 3,034 |
| Loan and lease loss provision to assets | 1.4224% | 966 |
| Net operating income to assets | 0.0793% | 6,158 |
| Return on assets (ROA) | 0.0821% | 5,992 |
| Pretax return on assets | -0.1478% | 6,321 |
| Return on Equity (ROE) | 0.8299% | 5,965 |
| Retained earnings to average equity (ytd only) | -3.1986% | 6,153 |
| Net charge-offs to loans | 1.3721% | 857 |
| Credit loss provision to net charge-offs | 138.0363% | 3,857 |
| Earnings coverage of net charge-offs (x) | 1.2327% | 5,513 |
| Efficiency ratio | 72.0802% | 3,918 |
| Assets per employee ($millions) | 2.8158% | 6,523 |
| Cash dividends to net income (ytd only)* | 485.4369% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6424% | 2,093 |
| Loan loss allowance to noncurrent loans | 38.3671% | 6,160 |
| Noncurrent assets plus other real estate owned to assets | 3.4692% | 1,285 |
| Noncurrent loans to loans | 4.2806% | 1,133 |
| Net loans and leases to total assets | 74.6793% | 2,948 |
| Net loans and leases to deposits | 94.2949% | 2,712 |
| Net loans and leases to core deposits | 116.2018% | 3,101 |
| Total domestic deposits to total assets | 79.1975% | 5,299 |
| Equity capital to assets | 9.6534% | 4,476 |
| Core capital (leverage) ratio | 9.2799% | 4,322 |
| Tier 1 risk-based capital ratio | 12.8853% | 4,171 |
| Total risk-based capital ratio | 14.0969% | 4,119 |
| Memoranda: | ||
| Average total assets | $251,046,800 | 2,553 |
| Average earning assets | $231,171,200 | 2,543 |
| Average equity | $24,823,000 | 2,652 |
| Average total loans | $188,548,800 | 2,416 |