Home > The Bank of Elk River > Performance and Condition Ratios
The Bank of Elk River, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8401% | 3,389 |
| Cost of funding earning assets | 1.5597% | 3,054 |
| Net interest margin | 3.2804% | 2,813 |
| Noninterest income to average assets | 0.5900% | 1,381 |
| Noninterest expense to average assets | 2.7046% | 1,744 |
| Loan and lease loss provision to assets | 0.0900% | 1,412 |
| Net operating income to assets | 0.8888% | 2,610 |
| Return on assets (ROA) | 0.8866% | 2,623 |
| Pretax return on assets | 0.9483% | 2,849 |
| Return on Equity (ROE) | 16.4100% | 838 |
| Retained earnings to average equity (ytd only) | 8.9242% | 1,444 |
| Net charge-offs to loans | 0.0801% | 942 |
| Credit loss provision to net charge-offs | 190.3614% | 916 |
| Earnings coverage of net charge-offs (x) | 21.4819% | 1,404 |
| Efficiency ratio | 72.2663% | 1,592 |
| Assets per employee ($millions) | 7.8289% | 1,687 |
| Cash dividends to net income (ytd only)* | 45.6336% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0208% | 3,105 |
| Loan loss allowance to noncurrent loans | 1,512.3239% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.0408% | 3,400 |
| Noncurrent loans to loans | 0.0675% | 3,341 |
| Net loans and leases to total assets | 59.7700% | 2,896 |
| Net loans and leases to deposits | 64.1519% | 3,259 |
| Net loans and leases to core deposits | 68.2166% | 3,379 |
| Total domestic deposits to total assets | 93.1700% | 133 |
| Equity capital to assets | 5.6043% | 4,304 |
| Core capital (leverage) ratio | 8.7704% | 3,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0476% | 1,511 |
| Memoranda: | ||
| Average total assets | $687,121,000 | 1,380 |
| Average earning assets | $660,899,000 | 1,344 |
| Average equity | $37,112,500 | 2,148 |
| Average total loans | $414,568,000 | 1,516 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6056% | 3,739 |
| Cost of funding earning assets | 1.5769% | 3,214 |
| Net interest margin | 3.0287% | 3,099 |
| Noninterest income to average assets | 0.6600% | 1,305 |
| Noninterest expense to average assets | 2.6921% | 1,768 |
| Loan and lease loss provision to assets | 0.0600% | 2,000 |
| Net operating income to assets | 0.7883% | 2,720 |
| Return on assets (ROA) | 0.7883% | 2,734 |
| Pretax return on assets | 0.8336% | 2,970 |
| Return on Equity (ROE) | 16.2100% | 763 |
| Retained earnings to average equity (ytd only) | 10.8568% | 456 |
| Net charge-offs to loans | 0.0145% | 2,380 |
| Credit loss provision to net charge-offs | 229.3103% | 1,052 |
| Earnings coverage of net charge-offs (x) | 103.2586% | 792 |
| Efficiency ratio | 75.1690% | 1,441 |
| Assets per employee ($millions) | 7.2847% | 1,971 |
| Cash dividends to net income (ytd only)* | 33.0382% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0333% | 3,036 |
| Loan loss allowance to noncurrent loans | 2,654.0881% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.0235% | 3,547 |
| Noncurrent loans to loans | 0.0389% | 3,474 |
| Net loans and leases to total assets | 59.6600% | 2,974 |
| Net loans and leases to deposits | 63.7354% | 3,351 |
| Net loans and leases to core deposits | 67.5557% | 3,461 |
| Total domestic deposits to total assets | 93.6000% | 125 |
| Equity capital to assets | 5.1922% | 4,325 |
| Core capital (leverage) ratio | 8.6708% | 3,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0965% | 1,503 |
| Memoranda: | ||
| Average total assets | $673,460,600 | 1,386 |
| Average earning assets | $650,648,800 | 1,340 |
| Average equity | $32,744,400 | 2,269 |
| Average total loans | $399,180,200 | 1,525 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5377% | 3,793 |
| Cost of funding earning assets | 1.5626% | 3,243 |
| Net interest margin | 2.9751% | 3,148 |
| Noninterest income to average assets | 0.6700% | 1,244 |
| Noninterest expense to average assets | 2.7167% | 1,635 |
| Loan and lease loss provision to assets | 0.0700% | 1,666 |
| Net operating income to assets | 0.7148% | 2,950 |
| Return on assets (ROA) | 0.7148% | 2,969 |
| Pretax return on assets | 0.7566% | 3,137 |
| Return on Equity (ROE) | 14.9600% | 963 |
| Retained earnings to average equity (ytd only) | 8.7168% | 1,187 |
| Net charge-offs to loans | 0.0071% | 2,403 |
| Credit loss provision to net charge-offs | 633.3333% | 539 |
| Earnings coverage of net charge-offs (x) | 199.5714% | 522 |
| Efficiency ratio | 76.5774% | 1,346 |
| Assets per employee ($millions) | 7.5009% | 1,803 |
| Cash dividends to net income (ytd only)* | 41.7198% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0502% | 2,994 |
| Loan loss allowance to noncurrent loans | 2,710.8280% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.0228% | 3,599 |
| Noncurrent loans to loans | 0.0387% | 3,530 |
| Net loans and leases to total assets | 58.1100% | 3,086 |
| Net loans and leases to deposits | 62.8520% | 3,437 |
| Net loans and leases to core deposits | 66.1785% | 3,564 |
| Total domestic deposits to total assets | 92.4500% | 135 |
| Equity capital to assets | 5.5139% | 4,402 |
| Core capital (leverage) ratio | 8.5217% | 4,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7885% | 1,602 |
| Memoranda: | ||
| Average total assets | $672,457,500 | 1,383 |
| Average earning assets | $649,914,000 | 1,334 |
| Average equity | $32,136,500 | 2,292 |
| Average total loans | $396,876,000 | 1,526 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4456% | 3,858 |
| Cost of funding earning assets | 1.4882% | 3,315 |
| Net interest margin | 2.9574% | 3,145 |
| Noninterest income to average assets | 0.6700% | 1,193 |
| Noninterest expense to average assets | 2.7358% | 1,593 |
| Loan and lease loss provision to assets | 0.1000% | 1,186 |
| Net operating income to assets | 0.6583% | 3,044 |
| Return on assets (ROA) | 0.6583% | 3,075 |
| Pretax return on assets | 0.6964% | 3,235 |
| Return on Equity (ROE) | 14.5500% | 1,061 |
| Retained earnings to average equity (ytd only) | 7.9496% | 1,383 |
| Net charge-offs to loans | 0.0264% | 1,618 |
| Credit loss provision to net charge-offs | 625.0000% | 540 |
| Earnings coverage of net charge-offs (x) | 50.8846% | 1,103 |
| Efficiency ratio | 77.5077% | 1,340 |
| Assets per employee ($millions) | 7.3419% | 1,843 |
| Cash dividends to net income (ytd only)* | 45.3510% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0787% | 2,902 |
| Loan loss allowance to noncurrent loans | 2,660.8434% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.0246% | 3,567 |
| Noncurrent loans to loans | 0.0405% | 3,489 |
| Net loans and leases to total assets | 59.9700% | 2,958 |
| Net loans and leases to deposits | 66.1781% | 3,242 |
| Net loans and leases to core deposits | 69.7153% | 3,386 |
| Total domestic deposits to total assets | 90.6200% | 540 |
| Equity capital to assets | 4.5298% | 4,417 |
| Core capital (leverage) ratio | 8.4243% | 4,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5351% | 1,691 |
| Memoranda: | ||
| Average total assets | $666,581,000 | 1,389 |
| Average earning assets | $645,493,667 | 1,333 |
| Average equity | $30,165,000 | 2,342 |
| Average total loans | $394,080,667 | 1,532 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3147% | 3,946 |
| Cost of funding earning assets | 1.4079% | 3,382 |
| Net interest margin | 2.9068% | 3,179 |
| Noninterest income to average assets | 0.6200% | 1,289 |
| Noninterest expense to average assets | 2.7825% | 1,510 |
| Loan and lease loss provision to assets | 0.0900% | 1,130 |
| Net operating income to assets | 0.5389% | 3,306 |
| Return on assets (ROA) | 0.5389% | 3,329 |
| Pretax return on assets | 0.5666% | 3,454 |
| Return on Equity (ROE) | 11.9100% | 1,588 |
| Retained earnings to average equity (ytd only) | 6.1838% | 2,053 |
| Net charge-offs to loans | 0.0362% | 1,181 |
| Credit loss provision to net charge-offs | 428.5714% | 553 |
| Earnings coverage of net charge-offs (x) | 31.0857% | 1,160 |
| Efficiency ratio | 80.8922% | 1,144 |
| Assets per employee ($millions) | 6.9369% | 2,132 |
| Cash dividends to net income (ytd only)* | 48.0942% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1019% | 2,809 |
| Loan loss allowance to noncurrent loans | 141,966.6667% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 3,881 |
| Noncurrent loans to loans | 0.0008% | 3,829 |
| Net loans and leases to total assets | 58.0000% | 3,051 |
| Net loans and leases to deposits | 61.4959% | 3,425 |
| Net loans and leases to core deposits | 64.9880% | 3,560 |
| Total domestic deposits to total assets | 94.3200% | 94 |
| Equity capital to assets | 4.4942% | 4,439 |
| Core capital (leverage) ratio | 8.4756% | 4,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1364% | 1,499 |
| Memoranda: | ||
| Average total assets | $662,144,500 | 1,401 |
| Average earning assets | $641,530,000 | 1,343 |
| Average equity | $29,949,000 | 2,358 |
| Average total loans | $386,375,000 | 1,550 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0502% | 3,881 |
| Cost of funding earning assets | 0.8741% | 3,574 |
| Net interest margin | 3.1761% | 2,929 |
| Noninterest income to average assets | 0.7800% | 987 |
| Noninterest expense to average assets | 2.7620% | 1,598 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.9400% | 2,401 |
| Return on assets (ROA) | 0.9400% | 2,388 |
| Pretax return on assets | 1.0022% | 2,681 |
| Return on Equity (ROE) | 26.3100% | 271 |
| Retained earnings to average equity (ytd only) | 11.9944% | 635 |
| Net charge-offs to loans | 0.0057% | 2,487 |
| Credit loss provision to net charge-offs | 1,404.7619% | 308 |
| Earnings coverage of net charge-offs (x) | 328.7619% | 407 |
| Efficiency ratio | 71.9635% | 1,661 |
| Assets per employee ($millions) | 7.1536% | 1,972 |
| Cash dividends to net income (ytd only)* | 54.4188% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0729% | 2,969 |
| Loan loss allowance to noncurrent loans | 1,160.7843% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 3,232 |
| Noncurrent loans to loans | 0.0924% | 3,076 |
| Net loans and leases to total assets | 57.4300% | 3,088 |
| Net loans and leases to deposits | 60.4328% | 3,498 |
| Net loans and leases to core deposits | 63.3544% | 3,622 |
| Total domestic deposits to total assets | 95.0400% | 58 |
| Equity capital to assets | 4.5516% | 4,466 |
| Core capital (leverage) ratio | 8.4761% | 4,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9940% | 1,531 |
| Memoranda: | ||
| Average total assets | $641,590,400 | 1,393 |
| Average earning assets | $618,346,000 | 1,343 |
| Average equity | $22,919,000 | 2,635 |
| Average total loans | $365,233,600 | 1,561 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9897% | 3,864 |
| Cost of funding earning assets | 0.7564% | 3,645 |
| Net interest margin | 3.2332% | 2,839 |
| Noninterest income to average assets | 0.8100% | 922 |
| Noninterest expense to average assets | 2.8119% | 1,408 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.9837% | 2,415 |
| Return on assets (ROA) | 0.9837% | 2,404 |
| Pretax return on assets | 1.0557% | 2,693 |
| Return on Equity (ROE) | 29.6700% | 234 |
| Retained earnings to average equity (ytd only) | 8.9062% | 1,711 |
| Net charge-offs to loans | -0.0122% | 3,985 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.7436% | 1,601 |
| Assets per employee ($millions) | 6.9636% | 1,978 |
| Cash dividends to net income (ytd only)* | 69.9787% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0829% | 2,948 |
| Loan loss allowance to noncurrent loans | 911.1617% | 941 |
| Noncurrent assets plus other real estate owned to assets | 0.0685% | 3,153 |
| Noncurrent loans to loans | 0.1188% | 2,970 |
| Net loans and leases to total assets | 57.0300% | 3,115 |
| Net loans and leases to deposits | 59.0578% | 3,555 |
| Net loans and leases to core deposits | 61.4078% | 3,637 |
| Total domestic deposits to total assets | 96.5700% | 61 |
| Equity capital to assets | 2.9865% | 4,493 |
| Core capital (leverage) ratio | 8.3374% | 4,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0780% | 1,540 |
| Memoranda: | ||
| Average total assets | $635,667,750 | 1,403 |
| Average earning assets | $612,001,000 | 1,355 |
| Average equity | $21,078,500 | 2,755 |
| Average total loans | $359,983,000 | 1,573 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9071% | 3,857 |
| Cost of funding earning assets | 0.6098% | 3,723 |
| Net interest margin | 3.2973% | 2,754 |
| Noninterest income to average assets | 0.7900% | 881 |
| Noninterest expense to average assets | 2.8000% | 1,413 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.0003% | 2,420 |
| Return on assets (ROA) | 1.0003% | 2,414 |
| Pretax return on assets | 1.0801% | 2,693 |
| Return on Equity (ROE) | 29.1900% | 232 |
| Retained earnings to average equity (ytd only) | 5.1365% | 2,912 |
| Net charge-offs to loans | -0.0146% | 4,034 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 70.7420% | 1,693 |
| Assets per employee ($millions) | 6.4705% | 2,313 |
| Cash dividends to net income (ytd only)* | 82.4030% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1085% | 2,923 |
| Loan loss allowance to noncurrent loans | 3,326.6667% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.0189% | 3,641 |
| Noncurrent loans to loans | 0.0333% | 3,503 |
| Net loans and leases to total assets | 56.1600% | 3,112 |
| Net loans and leases to deposits | 58.5263% | 3,512 |
| Net loans and leases to core deposits | 60.0936% | 3,630 |
| Total domestic deposits to total assets | 95.9600% | 57 |
| Equity capital to assets | 3.6224% | 4,534 |
| Core capital (leverage) ratio | 8.3924% | 4,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2497% | 1,501 |
| Memoranda: | ||
| Average total assets | $634,007,667 | 1,403 |
| Average earning assets | $610,067,000 | 1,359 |
| Average equity | $21,727,000 | 2,719 |
| Average total loans | $356,852,000 | 1,571 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8425% | 3,776 |
| Cost of funding earning assets | 0.4371% | 3,870 |
| Net interest margin | 3.4054% | 2,617 |
| Noninterest income to average assets | 0.6800% | 1,161 |
| Noninterest expense to average assets | 2.7503% | 1,549 |
| Loan and lease loss provision to assets | 0.2300% | 425 |
| Net operating income to assets | 0.8821% | 2,913 |
| Return on assets (ROA) | 0.8821% | 2,869 |
| Pretax return on assets | 0.9698% | 3,081 |
| Return on Equity (ROE) | 26.5000% | 338 |
| Retained earnings to average equity (ytd only) | 0.4928% | 3,948 |
| Net charge-offs to loans | 0.0180% | 1,327 |
| Credit loss provision to net charge-offs | 1,387.5000% | 292 |
| Earnings coverage of net charge-offs (x) | 119.3125% | 711 |
| Efficiency ratio | 69.5437% | 1,796 |
| Assets per employee ($millions) | 6.5655% | 2,294 |
| Cash dividends to net income (ytd only)* | 98.1402% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1273% | 2,917 |
| Loan loss allowance to noncurrent loans | 3,996.0784% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.0978% | 2,850 |
| Noncurrent loans to loans | 0.0282% | 3,562 |
| Net loans and leases to total assets | 56.1400% | 3,031 |
| Net loans and leases to deposits | 58.4681% | 3,427 |
| Net loans and leases to core deposits | 59.8543% | 3,546 |
| Total domestic deposits to total assets | 96.0100% | 50 |
| Equity capital to assets | 3.6294% | 4,568 |
| Core capital (leverage) ratio | 8.2776% | 4,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4598% | 1,506 |
| Memoranda: | ||
| Average total assets | $633,958,500 | 1,424 |
| Average earning assets | $609,501,500 | 1,380 |
| Average equity | $21,105,500 | 2,790 |
| Average total loans | $355,222,000 | 1,595 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3616% | 3,444 |
| Cost of funding earning assets | 0.1567% | 4,084 |
| Net interest margin | 3.2049% | 2,857 |
| Noninterest income to average assets | 0.8200% | 957 |
| Noninterest expense to average assets | 2.7921% | 1,333 |
| Loan and lease loss provision to assets | -0.0800% | 4,486 |
| Net operating income to assets | 1.0926% | 2,209 |
| Return on assets (ROA) | 1.0926% | 2,149 |
| Pretax return on assets | 1.1721% | 2,527 |
| Return on Equity (ROE) | 22.5600% | 301 |
| Retained earnings to average equity (ytd only) | 16.7982% | 181 |
| Net charge-offs to loans | -0.0369% | 4,265 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.8770% | 1,456 |
| Assets per employee ($millions) | 6.3135% | 2,499 |
| Cash dividends to net income (ytd only)* | 25.5282% | 2,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3570% | 1,657 |
| Loan loss allowance to noncurrent loans | 4,303.6364% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.0990% | 2,846 |
| Noncurrent loans to loans | 0.0315% | 3,556 |
| Net loans and leases to total assets | 53.9700% | 3,203 |
| Net loans and leases to deposits | 56.4420% | 3,550 |
| Net loans and leases to core deposits | 57.9997% | 3,617 |
| Total domestic deposits to total assets | 95.6100% | 99 |
| Equity capital to assets | 4.0302% | 4,516 |
| Core capital (leverage) ratio | 8.2067% | 4,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2805% | 1,539 |
| Memoranda: | ||
| Average total assets | $628,127,200 | 1,423 |
| Average earning assets | $601,166,800 | 1,386 |
| Average equity | $30,425,800 | 2,316 |
| Average total loans | $327,969,800 | 1,610 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2619% | 3,280 |
| Cost of funding earning assets | 0.1413% | 3,926 |
| Net interest margin | 3.1206% | 2,863 |
| Noninterest income to average assets | 0.8000% | 1,027 |
| Noninterest expense to average assets | 2.7176% | 1,433 |
| Loan and lease loss provision to assets | -0.1100% | 4,594 |
| Net operating income to assets | 1.1082% | 2,055 |
| Return on assets (ROA) | 1.1082% | 2,026 |
| Pretax return on assets | 1.1804% | 2,445 |
| Return on Equity (ROE) | 21.9400% | 293 |
| Retained earnings to average equity (ytd only) | 15.6035% | 309 |
| Net charge-offs to loans | -0.0839% | 4,445 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.6758% | 1,561 |
| Assets per employee ($millions) | 6.4790% | 2,339 |
| Cash dividends to net income (ytd only)* | 28.8791% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4157% | 1,556 |
| Loan loss allowance to noncurrent loans | 417.2444% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 0.1836% | 2,375 |
| Noncurrent loans to loans | 0.3393% | 2,014 |
| Net loans and leases to total assets | 53.3500% | 3,155 |
| Net loans and leases to deposits | 55.2064% | 3,536 |
| Net loans and leases to core deposits | 56.4455% | 3,604 |
| Total domestic deposits to total assets | 96.6400% | 95 |
| Equity capital to assets | 3.0218% | 4,590 |
| Core capital (leverage) ratio | 8.0718% | 4,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7527% | 1,491 |
| Memoranda: | ||
| Average total assets | $625,742,750 | 1,436 |
| Average earning assets | $599,184,500 | 1,392 |
| Average equity | $31,607,500 | 2,291 |
| Average total loans | $322,747,500 | 1,624 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1340% | 3,228 |
| Cost of funding earning assets | 0.1422% | 3,679 |
| Net interest margin | 2.9919% | 2,905 |
| Noninterest income to average assets | 0.7759% | 1,111 |
| Noninterest expense to average assets | 2.6365% | 1,534 |
| Loan and lease loss provision to assets | -0.1600% | 4,656 |
| Net operating income to assets | 1.0950% | 1,792 |
| Return on assets (ROA) | 1.0950% | 1,775 |
| Pretax return on assets | 1.1622% | 2,198 |
| Return on Equity (ROE) | 19.1048% | 379 |
| Retained earnings to average equity (ytd only) | 12.1129% | 589 |
| Net charge-offs to loans | -0.1325% | 4,508 |
| Credit loss provision to net charge-offs | 238.0952% | 892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4578% | 1,693 |
| Assets per employee ($millions) | 6.3485% | 2,439 |
| Cash dividends to net income (ytd only)* | 36.5975% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4999% | 1,406 |
| Loan loss allowance to noncurrent loans | 388.5576% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 0.2015% | 2,317 |
| Noncurrent loans to loans | 0.3860% | 1,979 |
| Net loans and leases to total assets | 51.4221% | 3,220 |
| Net loans and leases to deposits | 53.6502% | 3,562 |
| Net loans and leases to core deposits | 55.3062% | 3,627 |
| Total domestic deposits to total assets | 95.8469% | 92 |
| Equity capital to assets | 3.8860% | 4,638 |
| Core capital (leverage) ratio | 8.0406% | 4,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0698% | 1,420 |
| Memoranda: | ||
| Average total assets | $624,835,000 | 1,447 |
| Average earning assets | $597,885,333 | 1,412 |
| Average equity | $35,813,000 | 2,167 |
| Average total loans | $316,956,667 | 1,644 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0133% | 3,216 |
| Cost of funding earning assets | 0.1452% | 3,563 |
| Net interest margin | 2.8681% | 2,932 |
| Noninterest income to average assets | 0.6686% | 1,422 |
| Noninterest expense to average assets | 2.5963% | 1,615 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7678% | 2,784 |
| Return on assets (ROA) | 0.7678% | 2,773 |
| Pretax return on assets | 0.8212% | 3,040 |
| Return on Equity (ROE) | 11.5724% | 1,429 |
| Retained earnings to average equity (ytd only) | 7.2998% | 1,795 |
| Net charge-offs to loans | -0.1411% | 4,539 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9717% | 1,526 |
| Assets per employee ($millions) | 6.3579% | 2,492 |
| Cash dividends to net income (ytd only)* | 36.9205% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6509% | 1,152 |
| Loan loss allowance to noncurrent loans | 425.6724% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.1969% | 2,448 |
| Noncurrent loans to loans | 0.3878% | 2,097 |
| Net loans and leases to total assets | 49.9368% | 3,185 |
| Net loans and leases to deposits | 52.7905% | 3,510 |
| Net loans and leases to core deposits | 54.5545% | 3,556 |
| Total domestic deposits to total assets | 94.5944% | 68 |
| Equity capital to assets | 5.1966% | 4,703 |
| Core capital (leverage) ratio | 7.8813% | 4,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0272% | 1,507 |
| Memoranda: | ||
| Average total assets | $629,352,500 | 1,435 |
| Average earning assets | $603,188,000 | 1,403 |
| Average equity | $41,754,500 | 1,981 |
| Average total loans | $314,695,500 | 1,640 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3806% | 2,981 |
| Cost of funding earning assets | 0.1901% | 3,558 |
| Net interest margin | 3.1905% | 2,624 |
| Noninterest income to average assets | 0.7808% | 1,507 |
| Noninterest expense to average assets | 2.6650% | 1,725 |
| Loan and lease loss provision to assets | 0.0268% | 2,518 |
| Net operating income to assets | 1.0572% | 2,453 |
| Return on assets (ROA) | 1.0572% | 2,526 |
| Pretax return on assets | 1.1490% | 2,821 |
| Return on Equity (ROE) | 12.8616% | 1,500 |
| Retained earnings to average equity (ytd only) | 7.3639% | 1,775 |
| Net charge-offs to loans | 0.0538% | 1,256 |
| Credit loss provision to net charge-offs | 92.1788% | 1,865 |
| Earnings coverage of net charge-offs (x) | 40.4246% | 1,436 |
| Efficiency ratio | 69.3870% | 1,807 |
| Assets per employee ($millions) | 6.3563% | 2,441 |
| Cash dividends to net income (ytd only)* | 42.7452% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6331% | 1,189 |
| Loan loss allowance to noncurrent loans | 416.2866% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.1932% | 2,592 |
| Noncurrent loans to loans | 0.3923% | 2,185 |
| Net loans and leases to total assets | 48.4420% | 3,461 |
| Net loans and leases to deposits | 52.8940% | 3,671 |
| Net loans and leases to core deposits | 54.8798% | 3,697 |
| Total domestic deposits to total assets | 91.5831% | 290 |
| Equity capital to assets | 8.0440% | 4,335 |
| Core capital (leverage) ratio | 7.7223% | 4,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1915% | 1,455 |
| Memoranda: | ||
| Average total assets | $615,414,800 | 1,423 |
| Average earning assets | $590,253,800 | 1,393 |
| Average equity | $50,584,600 | 1,748 |
| Average total loans | $332,582,800 | 1,581 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4417% | 2,984 |
| Cost of funding earning assets | 0.2012% | 3,595 |
| Net interest margin | 3.2406% | 2,606 |
| Noninterest income to average assets | 0.7779% | 1,591 |
| Noninterest expense to average assets | 2.6320% | 1,747 |
| Loan and lease loss provision to assets | 0.0360% | 2,276 |
| Net operating income to assets | 1.2150% | 2,115 |
| Return on assets (ROA) | 1.2150% | 2,173 |
| Pretax return on assets | 1.2172% | 2,875 |
| Return on Equity (ROE) | 14.6998% | 1,197 |
| Retained earnings to average equity (ytd only) | 7.3499% | 2,292 |
| Net charge-offs to loans | 0.0719% | 929 |
| Credit loss provision to net charge-offs | 90.6593% | 1,663 |
| Earnings coverage of net charge-offs (x) | 31.5220% | 1,500 |
| Efficiency ratio | 67.7443% | 1,868 |
| Assets per employee ($millions) | 6.1095% | 2,577 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6258% | 1,271 |
| Loan loss allowance to noncurrent loans | 402.2835% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 0.2018% | 2,780 |
| Noncurrent loans to loans | 0.4041% | 2,349 |
| Net loans and leases to total assets | 49.1255% | 3,512 |
| Net loans and leases to deposits | 53.6409% | 3,772 |
| Net loans and leases to core deposits | 55.5487% | 3,810 |
| Total domestic deposits to total assets | 91.5821% | 216 |
| Equity capital to assets | 8.1304% | 4,454 |
| Core capital (leverage) ratio | 7.8170% | 4,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4680% | 1,501 |
| Memoranda: | ||
| Average total assets | $610,361,500 | 1,444 |
| Average earning assets | $585,269,500 | 1,422 |
| Average equity | $50,448,250 | 1,766 |
| Average total loans | $337,472,750 | 1,592 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4291% | 3,085 |
| Cost of funding earning assets | 0.2146% | 3,608 |
| Net interest margin | 3.2146% | 2,714 |
| Noninterest income to average assets | 0.7890% | 1,567 |
| Noninterest expense to average assets | 2.5789% | 1,915 |
| Loan and lease loss provision to assets | 0.0546% | 1,943 |
| Net operating income to assets | 1.2327% | 2,072 |
| Return on assets (ROA) | 1.2327% | 2,138 |
| Pretax return on assets | 1.2360% | 2,815 |
| Return on Equity (ROE) | 14.8297% | 1,208 |
| Retained earnings to average equity (ytd only) | 6.2378% | 2,713 |
| Net charge-offs to loans | -0.0052% | 3,449 |
| Credit loss provision to net charge-offs | -1,833.3333% | 3,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6467% | 2,062 |
| Assets per employee ($millions) | 6.2225% | 2,409 |
| Cash dividends to net income (ytd only)* | 57.9371% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5771% | 1,336 |
| Loan loss allowance to noncurrent loans | 1,024.9516% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.0848% | 3,637 |
| Noncurrent loans to loans | 0.1539% | 3,433 |
| Net loans and leases to total assets | 54.2313% | 3,106 |
| Net loans and leases to deposits | 59.2911% | 3,446 |
| Net loans and leases to core deposits | 61.5632% | 3,501 |
| Total domestic deposits to total assets | 91.4661% | 235 |
| Equity capital to assets | 8.2907% | 4,360 |
| Core capital (leverage) ratio | 7.7006% | 4,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1563% | 1,577 |
| Memoranda: | ||
| Average total assets | $604,055,333 | 1,450 |
| Average earning assets | $578,865,667 | 1,423 |
| Average equity | $50,210,000 | 1,766 |
| Average total loans | $345,215,000 | 1,574 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4650% | 3,028 |
| Cost of funding earning assets | 0.2291% | 3,651 |
| Net interest margin | 3.2360% | 2,584 |
| Noninterest income to average assets | 0.7372% | 1,755 |
| Noninterest expense to average assets | 2.5616% | 1,987 |
| Loan and lease loss provision to assets | 0.1098% | 1,262 |
| Net operating income to assets | 1.1610% | 2,296 |
| Return on assets (ROA) | 1.1610% | 2,363 |
| Pretax return on assets | 1.1677% | 2,932 |
| Return on Equity (ROE) | 13.9498% | 1,439 |
| Retained earnings to average equity (ytd only) | 7.1628% | 2,524 |
| Net charge-offs to loans | 0.0046% | 1,748 |
| Credit loss provision to net charge-offs | 4,125.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 480.0000% | 199 |
| Efficiency ratio | 66.7244% | 2,118 |
| Assets per employee ($millions) | 6.6577% | 2,047 |
| Cash dividends to net income (ytd only)* | 48.6533% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4868% | 1,653 |
| Loan loss allowance to noncurrent loans | 4,807.2727% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.0178% | 4,248 |
| Noncurrent loans to loans | 0.0309% | 4,131 |
| Net loans and leases to total assets | 56.5894% | 2,969 |
| Net loans and leases to deposits | 61.7701% | 3,343 |
| Net loans and leases to core deposits | 64.0440% | 3,409 |
| Total domestic deposits to total assets | 91.6129% | 218 |
| Equity capital to assets | 7.9952% | 4,494 |
| Core capital (leverage) ratio | 7.8057% | 4,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0951% | 1,540 |
| Memoranda: | ||
| Average total assets | $601,181,500 | 1,449 |
| Average earning assets | $576,270,000 | 1,416 |
| Average equity | $50,036,500 | 1,757 |
| Average total loans | $349,821,000 | 1,565 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0934% | 2,440 |
| Cost of funding earning assets | 0.3546% | 3,849 |
| Net interest margin | 3.7388% | 1,669 |
| Noninterest income to average assets | 0.7901% | 1,560 |
| Noninterest expense to average assets | 2.7412% | 2,114 |
| Loan and lease loss provision to assets | 0.3670% | 905 |
| Net operating income to assets | 1.2358% | 1,429 |
| Return on assets (ROA) | 1.2473% | 1,498 |
| Pretax return on assets | 1.2492% | 2,161 |
| Return on Equity (ROE) | 13.7729% | 870 |
| Retained earnings to average equity (ytd only) | 6.4822% | 1,600 |
| Net charge-offs to loans | -0.0053% | 4,154 |
| Credit loss provision to net charge-offs | -10,694.4444% | 4,411 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0752% | 2,965 |
| Assets per employee ($millions) | 6.2710% | 2,099 |
| Cash dividends to net income (ytd only)* | 52.9349% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4905% | 1,619 |
| Loan loss allowance to noncurrent loans | 1,074.8428% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.0818% | 3,921 |
| Noncurrent loans to loans | 0.1387% | 3,726 |
| Net loans and leases to total assets | 58.1012% | 3,073 |
| Net loans and leases to deposits | 63.8498% | 3,452 |
| Net loans and leases to core deposits | 65.9572% | 3,544 |
| Total domestic deposits to total assets | 90.9968% | 229 |
| Equity capital to assets | 8.6711% | 4,321 |
| Core capital (leverage) ratio | 7.9004% | 4,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9854% | 1,532 |
| Memoranda: | ||
| Average total assets | $524,513,600 | 1,481 |
| Average earning assets | $498,854,800 | 1,457 |
| Average equity | $47,499,000 | 1,775 |
| Average total loans | $336,816,400 | 1,552 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2410% | 2,277 |
| Cost of funding earning assets | 0.3810% | 3,909 |
| Net interest margin | 3.8600% | 1,446 |
| Noninterest income to average assets | 0.7916% | 1,530 |
| Noninterest expense to average assets | 2.7937% | 1,983 |
| Loan and lease loss provision to assets | 0.4054% | 861 |
| Net operating income to assets | 1.2537% | 1,469 |
| Return on assets (ROA) | 1.2694% | 1,537 |
| Pretax return on assets | 1.2720% | 2,151 |
| Return on Equity (ROE) | 13.8491% | 904 |
| Retained earnings to average equity (ytd only) | 3.9687% | 3,067 |
| Net charge-offs to loans | -0.0068% | 4,129 |
| Credit loss provision to net charge-offs | -9,117.6471% | 4,334 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7047% | 2,955 |
| Assets per employee ($millions) | 5.8889% | 2,362 |
| Cash dividends to net income (ytd only)* | 71.3432% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2857% | 2,216 |
| Loan loss allowance to noncurrent loans | 4,897.9381% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.0172% | 4,394 |
| Noncurrent loans to loans | 0.0263% | 4,303 |
| Net loans and leases to total assets | 64.5223% | 2,701 |
| Net loans and leases to deposits | 70.9501% | 3,222 |
| Net loans and leases to core deposits | 73.2487% | 3,380 |
| Total domestic deposits to total assets | 90.9404% | 186 |
| Equity capital to assets | 8.6048% | 4,400 |
| Core capital (leverage) ratio | 7.9267% | 4,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4643% | 1,669 |
| Memoranda: | ||
| Average total assets | $509,841,750 | 1,496 |
| Average earning assets | $483,927,000 | 1,469 |
| Average equity | $46,731,250 | 1,786 |
| Average total loans | $335,027,000 | 1,550 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2989% | 2,476 |
| Cost of funding earning assets | 0.4149% | 3,971 |
| Net interest margin | 3.8841% | 1,610 |
| Noninterest income to average assets | 0.7689% | 1,526 |
| Noninterest expense to average assets | 2.8693% | 1,914 |
| Loan and lease loss provision to assets | 0.4783% | 772 |
| Net operating income to assets | 1.0872% | 2,010 |
| Return on assets (ROA) | 1.1116% | 2,051 |
| Pretax return on assets | 1.1157% | 2,663 |
| Return on Equity (ROE) | 11.8500% | 1,369 |
| Retained earnings to average equity (ytd only) | 2.0958% | 3,713 |
| Net charge-offs to loans | 0.0087% | 2,637 |
| Credit loss provision to net charge-offs | 8,392.8571% | 131 |
| Earnings coverage of net charge-offs (x) | 275.4286% | 342 |
| Efficiency ratio | 64.6401% | 2,724 |
| Assets per employee ($millions) | 6.5842% | 1,719 |
| Cash dividends to net income (ytd only)* | 82.3142% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1857% | 2,588 |
| Loan loss allowance to noncurrent loans | 3,291.6667% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.0357% | 4,366 |
| Noncurrent loans to loans | 0.0360% | 4,335 |
| Net loans and leases to total assets | 66.2581% | 2,590 |
| Net loans and leases to deposits | 73.0436% | 3,160 |
| Net loans and leases to core deposits | 75.4984% | 3,330 |
| Total domestic deposits to total assets | 90.7104% | 220 |
| Equity capital to assets | 8.7436% | 4,321 |
| Core capital (leverage) ratio | 8.2575% | 4,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0396% | 1,801 |
| Memoranda: | ||
| Average total assets | $491,344,667 | 1,522 |
| Average earning assets | $464,254,667 | 1,498 |
| Average equity | $46,093,000 | 1,792 |
| Average total loans | $323,530,333 | 1,579 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1834% | 3,273 |
| Cost of funding earning assets | 0.4587% | 4,121 |
| Net interest margin | 3.7247% | 2,241 |
| Noninterest income to average assets | 0.8625% | 1,141 |
| Noninterest expense to average assets | 3.1050% | 1,627 |
| Loan and lease loss provision to assets | 0.2587% | 1,203 |
| Net operating income to assets | 1.0566% | 1,986 |
| Return on assets (ROA) | 1.0833% | 1,999 |
| Pretax return on assets | 1.0833% | 2,580 |
| Return on Equity (ROE) | 11.1033% | 1,383 |
| Retained earnings to average equity (ytd only) | 1.3525% | 3,648 |
| Net charge-offs to loans | 0.0146% | 2,081 |
| Credit loss provision to net charge-offs | 2,727.2727% | 278 |
| Earnings coverage of net charge-offs (x) | 138.6364% | 458 |
| Efficiency ratio | 70.2439% | 2,314 |
| Assets per employee ($millions) | 4.6155% | 3,109 |
| Cash dividends to net income (ytd only)* | 87.8185% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1318% | 3,035 |
| Loan loss allowance to noncurrent loans | 792.9224% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.1088% | 4,074 |
| Noncurrent loans to loans | 0.1427% | 3,951 |
| Net loans and leases to total assets | 64.4443% | 3,012 |
| Net loans and leases to deposits | 71.6109% | 3,469 |
| Net loans and leases to core deposits | 74.4119% | 3,610 |
| Total domestic deposits to total assets | 89.9924% | 323 |
| Equity capital to assets | 9.8179% | 3,944 |
| Core capital (leverage) ratio | 9.2633% | 4,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5501% | 2,059 |
| Memoranda: | ||
| Average total assets | $463,772,000 | 1,555 |
| Average earning assets | $442,994,000 | 1,511 |
| Average equity | $45,248,000 | 1,809 |
| Average total loans | $302,076,000 | 1,637 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4347% | 3,152 |
| Cost of funding earning assets | 0.4739% | 4,195 |
| Net interest margin | 3.9608% | 1,968 |
| Noninterest income to average assets | 1.0095% | 951 |
| Noninterest expense to average assets | 3.1435% | 1,663 |
| Loan and lease loss provision to assets | -0.0500% | 5,020 |
| Net operating income to assets | 1.5332% | 979 |
| Return on assets (ROA) | 1.5332% | 1,032 |
| Pretax return on assets | 1.6763% | 1,252 |
| Return on Equity (ROE) | 16.2014% | 515 |
| Retained earnings to average equity (ytd only) | 6.5612% | 1,583 |
| Net charge-offs to loans | 0.0444% | 2,499 |
| Credit loss provision to net charge-offs | -170.5426% | 4,281 |
| Earnings coverage of net charge-offs (x) | 55.5116% | 1,037 |
| Efficiency ratio | 65.9032% | 2,782 |
| Assets per employee ($millions) | 4.6608% | 3,007 |
| Cash dividends to net income (ytd only)* | 59.5023% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0710% | 3,096 |
| Loan loss allowance to noncurrent loans | 166.8763% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 0.4355% | 2,653 |
| Noncurrent loans to loans | 0.6418% | 2,282 |
| Net loans and leases to total assets | 64.3886% | 3,146 |
| Net loans and leases to deposits | 71.4862% | 3,551 |
| Net loans and leases to core deposits | 74.3626% | 3,690 |
| Total domestic deposits to total assets | 90.0714% | 303 |
| Equity capital to assets | 9.6933% | 4,185 |
| Core capital (leverage) ratio | 9.3474% | 4,230 |
| Tier 1 risk-based capital ratio | 13.8643% | 3,334 |
| Total risk-based capital ratio | 14.9069% | 3,344 |
| Memoranda: | ||
| Average total assets | $440,310,400 | 1,597 |
| Average earning assets | $418,025,000 | 1,552 |
| Average equity | $41,669,200 | 1,862 |
| Average total loans | $290,581,200 | 1,644 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4543% | 3,194 |
| Cost of funding earning assets | 0.4689% | 4,266 |
| Net interest margin | 3.9854% | 1,997 |
| Noninterest income to average assets | 1.0179% | 903 |
| Noninterest expense to average assets | 3.1389% | 1,615 |
| Loan and lease loss provision to assets | -0.0993% | 5,161 |
| Net operating income to assets | 1.5687% | 999 |
| Return on assets (ROA) | 1.5687% | 1,057 |
| Pretax return on assets | 1.7612% | 1,179 |
| Return on Equity (ROE) | 16.6818% | 520 |
| Retained earnings to average equity (ytd only) | 7.9736% | 1,405 |
| Net charge-offs to loans | 0.0111% | 2,970 |
| Credit loss provision to net charge-offs | -1,354.1667% | 4,466 |
| Earnings coverage of net charge-offs (x) | 226.5359% | 406 |
| Efficiency ratio | 65.3827% | 2,805 |
| Assets per employee ($millions) | 4.5322% | 3,146 |
| Cash dividends to net income (ytd only)* | 52.2018% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0861% | 3,101 |
| Loan loss allowance to noncurrent loans | 318,400.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.0002% | 4,788 |
| Noncurrent loans to loans | 0.0003% | 4,704 |
| Net loans and leases to total assets | 64.6254% | 3,225 |
| Net loans and leases to deposits | 71.9196% | 3,617 |
| Net loans and leases to core deposits | 74.8238% | 3,776 |
| Total domestic deposits to total assets | 89.8579% | 324 |
| Equity capital to assets | 9.7942% | 4,217 |
| Core capital (leverage) ratio | 9.5807% | 4,080 |
| Tier 1 risk-based capital ratio | 13.8149% | 3,416 |
| Total risk-based capital ratio | 14.8608% | 3,430 |
| Memoranda: | ||
| Average total assets | $436,197,750 | 1,613 |
| Average earning assets | $414,033,500 | 1,577 |
| Average equity | $41,017,750 | 1,891 |
| Average total loans | $288,905,000 | 1,661 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4532% | 3,174 |
| Cost of funding earning assets | 0.4560% | 4,302 |
| Net interest margin | 3.9972% | 1,930 |
| Noninterest income to average assets | 0.9036% | 1,066 |
| Noninterest expense to average assets | 3.2062% | 1,492 |
| Loan and lease loss provision to assets | -0.1898% | 5,245 |
| Net operating income to assets | 1.3980% | 1,446 |
| Return on assets (ROA) | 1.3980% | 1,501 |
| Pretax return on assets | 1.6897% | 1,292 |
| Return on Equity (ROE) | 15.0843% | 741 |
| Retained earnings to average equity (ytd only) | 7.3873% | 1,658 |
| Net charge-offs to loans | 0.0160% | 2,575 |
| Credit loss provision to net charge-offs | -1,782.6087% | 4,365 |
| Earnings coverage of net charge-offs (x) | 140.8696% | 521 |
| Efficiency ratio | 68.1291% | 2,513 |
| Assets per employee ($millions) | 4.4005% | 3,284 |
| Cash dividends to net income (ytd only)* | 51.0265% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0803% | 3,173 |
| Loan loss allowance to noncurrent loans | 77,500.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.1561% | 3,979 |
| Noncurrent loans to loans | 0.0014% | 4,734 |
| Net loans and leases to total assets | 65.1572% | 3,211 |
| Net loans and leases to deposits | 72.3683% | 3,655 |
| Net loans and leases to core deposits | 75.2006% | 3,798 |
| Total domestic deposits to total assets | 90.0355% | 323 |
| Equity capital to assets | 9.7113% | 4,223 |
| Core capital (leverage) ratio | 9.4400% | 4,208 |
| Tier 1 risk-based capital ratio | 13.7773% | 3,439 |
| Total risk-based capital ratio | 14.8168% | 3,444 |
| Memoranda: | ||
| Average total assets | $432,033,000 | 1,627 |
| Average earning assets | $410,983,670 | 1,590 |
| Average equity | $40,041,670 | 1,928 |
| Average total loans | $287,489,000 | 1,674 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3718% | 3,333 |
| Cost of funding earning assets | 0.4285% | 4,366 |
| Net interest margin | 3.9433% | 2,054 |
| Noninterest income to average assets | 0.8526% | 1,166 |
| Noninterest expense to average assets | 3.2178% | 1,457 |
| Loan and lease loss provision to assets | -0.4788% | 5,343 |
| Net operating income to assets | 1.2840% | 1,763 |
| Return on assets (ROA) | 1.2840% | 1,803 |
| Pretax return on assets | 1.8697% | 848 |
| Return on Equity (ROE) | 14.1972% | 923 |
| Retained earnings to average equity (ytd only) | 9.0570% | 1,302 |
| Net charge-offs to loans | -0.1446% | 5,114 |
| Credit loss provision to net charge-offs | 495.1923% | 623 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8205% | 2,371 |
| Assets per employee ($millions) | 4.4433% | 3,271 |
| Cash dividends to net income (ytd only)* | 36.2056% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0773% | 3,249 |
| Loan loss allowance to noncurrent loans | 757.7670% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.2499% | 3,613 |
| Noncurrent loans to loans | 0.1422% | 4,106 |
| Net loans and leases to total assets | 65.8331% | 3,081 |
| Net loans and leases to deposits | 72.6810% | 3,553 |
| Net loans and leases to core deposits | 76.2309% | 3,645 |
| Total domestic deposits to total assets | 90.5781% | 260 |
| Equity capital to assets | 9.1862% | 4,551 |
| Core capital (leverage) ratio | 9.4176% | 4,237 |
| Tier 1 risk-based capital ratio | 13.5366% | 3,583 |
| Total risk-based capital ratio | 14.5804% | 3,613 |
| Memoranda: | ||
| Average total assets | $430,225,500 | 1,634 |
| Average earning assets | $409,810,500 | 1,600 |
| Average equity | $38,909,000 | 1,973 |
| Average total loans | $287,755,500 | 1,681 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4075% | 2,738 |
| Cost of funding earning assets | 0.3272% | 4,429 |
| Net interest margin | 4.0802% | 1,748 |
| Noninterest income to average assets | 0.9641% | 1,030 |
| Noninterest expense to average assets | 3.0738% | 1,864 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2617% | 1,941 |
| Return on assets (ROA) | 1.2617% | 1,934 |
| Pretax return on assets | 1.7585% | 1,029 |
| Return on Equity (ROE) | 14.1439% | 1,013 |
| Retained earnings to average equity (ytd only) | 3.5174% | 3,651 |
| Net charge-offs to loans | -0.1922% | 5,262 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6096% | 3,248 |
| Assets per employee ($millions) | 4.4271% | 3,274 |
| Cash dividends to net income (ytd only)* | 75.1315% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2365% | 2,371 |
| Loan loss allowance to noncurrent loans | 662.8518% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.2845% | 3,446 |
| Noncurrent loans to loans | 0.1865% | 3,905 |
| Net loans and leases to total assets | 66.3965% | 3,073 |
| Net loans and leases to deposits | 73.1399% | 3,574 |
| Net loans and leases to core deposits | 76.5362% | 3,677 |
| Total domestic deposits to total assets | 90.7801% | 254 |
| Equity capital to assets | 8.8980% | 4,656 |
| Core capital (leverage) ratio | 9.1636% | 4,493 |
| Tier 1 risk-based capital ratio | 13.3264% | 3,647 |
| Total risk-based capital ratio | 14.5151% | 3,567 |
| Memoranda: | ||
| Average total assets | $421,957,400 | 1,618 |
| Average earning assets | $400,026,600 | 1,589 |
| Average equity | $37,641,800 | 1,958 |
| Average total loans | $285,181,200 | 1,660 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3825% | 2,680 |
| Cost of funding earning assets | 0.3093% | 4,459 |
| Net interest margin | 4.0732% | 1,712 |
| Noninterest income to average assets | 0.9436% | 1,073 |
| Noninterest expense to average assets | 3.0630% | 1,852 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2501% | 2,045 |
| Return on assets (ROA) | 1.2501% | 2,053 |
| Pretax return on assets | 1.7404% | 1,176 |
| Return on Equity (ROE) | 14.0039% | 1,121 |
| Retained earnings to average equity (ytd only) | 8.6846% | 1,351 |
| Net charge-offs to loans | -0.2835% | 5,350 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7670% | 3,222 |
| Assets per employee ($millions) | 4.4435% | 3,211 |
| Cash dividends to net income (ytd only)* | 37.9843% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2397% | 2,409 |
| Loan loss allowance to noncurrent loans | 285.6802% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 0.2887% | 3,535 |
| Noncurrent loans to loans | 0.4340% | 3,103 |
| Net loans and leases to total assets | 65.6924% | 3,219 |
| Net loans and leases to deposits | 72.2615% | 3,750 |
| Net loans and leases to core deposits | 75.4833% | 3,840 |
| Total domestic deposits to total assets | 90.9093% | 241 |
| Equity capital to assets | 8.7600% | 4,751 |
| Core capital (leverage) ratio | 9.5757% | 4,088 |
| Tier 1 risk-based capital ratio | 13.5660% | 3,594 |
| Total risk-based capital ratio | 14.7620% | 3,534 |
| Memoranda: | ||
| Average total assets | $421,195,250 | 1,624 |
| Average earning assets | $399,123,750 | 1,599 |
| Average equity | $37,598,000 | 1,964 |
| Average total loans | $285,046,000 | 1,666 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3380% | 2,631 |
| Cost of funding earning assets | 0.2923% | 4,469 |
| Net interest margin | 4.0458% | 1,709 |
| Noninterest income to average assets | 0.9317% | 1,099 |
| Noninterest expense to average assets | 3.0823% | 1,828 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2026% | 2,189 |
| Return on assets (ROA) | 1.2026% | 2,188 |
| Pretax return on assets | 1.6920% | 1,234 |
| Return on Equity (ROE) | 13.3850% | 1,241 |
| Retained earnings to average equity (ytd only) | 8.0396% | 1,614 |
| Net charge-offs to loans | -0.2645% | 5,366 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5609% | 3,236 |
| Assets per employee ($millions) | 4.2959% | 3,428 |
| Cash dividends to net income (ytd only)* | 39.9361% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1621% | 2,920 |
| Loan loss allowance to noncurrent loans | 258.9823% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 0.3050% | 3,544 |
| Noncurrent loans to loans | 0.4487% | 3,095 |
| Net loans and leases to total assets | 67.1770% | 2,990 |
| Net loans and leases to deposits | 73.9276% | 3,538 |
| Net loans and leases to core deposits | 77.1581% | 3,649 |
| Total domestic deposits to total assets | 90.8686% | 285 |
| Equity capital to assets | 8.8819% | 4,661 |
| Core capital (leverage) ratio | 9.4549% | 4,170 |
| Tier 1 risk-based capital ratio | 13.2960% | 3,737 |
| Total risk-based capital ratio | 14.4185% | 3,726 |
| Memoranda: | ||
| Average total assets | $416,438,330 | 1,652 |
| Average earning assets | $395,525,330 | 1,623 |
| Average equity | $37,415,000 | 1,973 |
| Average total loans | $283,508,330 | 1,673 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1410% | 3,086 |
| Cost of funding earning assets | 0.2759% | 4,538 |
| Net interest margin | 3.8651% | 2,175 |
| Noninterest income to average assets | 0.8648% | 1,245 |
| Noninterest expense to average assets | 3.0743% | 1,889 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0756% | 2,543 |
| Return on assets (ROA) | 1.0756% | 2,555 |
| Pretax return on assets | 1.4652% | 1,784 |
| Return on Equity (ROE) | 11.8919% | 1,618 |
| Retained earnings to average equity (ytd only) | 6.5207% | 2,490 |
| Net charge-offs to loans | -0.1909% | 5,372 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7226% | 2,878 |
| Assets per employee ($millions) | 4.2072% | 3,639 |
| Cash dividends to net income (ytd only)* | 45.1671% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1000% | 3,383 |
| Loan loss allowance to noncurrent loans | 353.6281% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.2496% | 3,875 |
| Noncurrent loans to loans | 0.3110% | 3,658 |
| Net loans and leases to total assets | 68.0179% | 2,771 |
| Net loans and leases to deposits | 74.8678% | 3,327 |
| Net loans and leases to core deposits | 77.8558% | 3,504 |
| Total domestic deposits to total assets | 90.8506% | 369 |
| Equity capital to assets | 8.9541% | 4,609 |
| Core capital (leverage) ratio | 9.4407% | 4,136 |
| Tier 1 risk-based capital ratio | 13.3187% | 3,766 |
| Total risk-based capital ratio | 14.3869% | 3,789 |
| Memoranda: | ||
| Average total assets | $411,677,000 | 1,680 |
| Average earning assets | $391,401,500 | 1,643 |
| Average equity | $37,235,500 | 1,989 |
| Average total loans | $280,734,500 | 1,694 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0575% | 3,214 |
| Cost of funding earning assets | 0.2641% | 4,449 |
| Net interest margin | 3.7934% | 2,451 |
| Noninterest income to average assets | 0.9699% | 1,091 |
| Noninterest expense to average assets | 3.0545% | 1,995 |
| Loan and lease loss provision to assets | -0.1604% | 5,547 |
| Net operating income to assets | 1.0376% | 2,101 |
| Return on assets (ROA) | 1.0632% | 2,028 |
| Pretax return on assets | 1.7059% | 990 |
| Return on Equity (ROE) | 11.5264% | 1,336 |
| Retained earnings to average equity (ytd only) | 3.5015% | 3,185 |
| Net charge-offs to loans | -0.2434% | 5,544 |
| Credit loss provision to net charge-offs | 101.0886% | 2,537 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9841% | 3,081 |
| Assets per employee ($millions) | 4.2818% | 3,519 |
| Cash dividends to net income (ytd only)* | 69.6217% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0741% | 3,485 |
| Loan loss allowance to noncurrent loans | 352.0047% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.2501% | 3,889 |
| Noncurrent loans to loans | 0.3051% | 3,686 |
| Net loans and leases to total assets | 66.8835% | 2,982 |
| Net loans and leases to deposits | 73.7888% | 3,536 |
| Net loans and leases to core deposits | 76.9415% | 3,668 |
| Total domestic deposits to total assets | 90.6418% | 354 |
| Equity capital to assets | 9.1358% | 4,590 |
| Core capital (leverage) ratio | 9.3212% | 4,260 |
| Tier 1 risk-based capital ratio | 13.2218% | 3,775 |
| Total risk-based capital ratio | 14.2578% | 3,797 |
| Memoranda: | ||
| Average total assets | $405,298,600 | 1,683 |
| Average earning assets | $383,585,600 | 1,655 |
| Average equity | $37,383,600 | 1,957 |
| Average total loans | $264,208,400 | 1,740 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0166% | 3,289 |
| Cost of funding earning assets | 0.2628% | 4,456 |
| Net interest margin | 3.7538% | 2,564 |
| Noninterest income to average assets | 0.9716% | 1,090 |
| Noninterest expense to average assets | 2.9930% | 2,127 |
| Loan and lease loss provision to assets | -0.0825% | 5,567 |
| Net operating income to assets | 1.0183% | 2,483 |
| Return on assets (ROA) | 1.0525% | 2,355 |
| Pretax return on assets | 1.6652% | 1,201 |
| Return on Equity (ROE) | 11.3830% | 1,534 |
| Retained earnings to average equity (ytd only) | 6.0271% | 2,216 |
| Net charge-offs to loans | -0.2659% | 5,590 |
| Credit loss provision to net charge-offs | 48.0769% | 2,932 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1848% | 3,179 |
| Assets per employee ($millions) | 4.3507% | 3,392 |
| Cash dividends to net income (ytd only)* | 47.0514% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2084% | 2,887 |
| Loan loss allowance to noncurrent loans | 538.2838% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.3298% | 3,733 |
| Noncurrent loans to loans | 0.2245% | 4,168 |
| Net loans and leases to total assets | 64.5232% | 3,324 |
| Net loans and leases to deposits | 71.4034% | 3,837 |
| Net loans and leases to core deposits | 74.7503% | 3,909 |
| Total domestic deposits to total assets | 90.3643% | 364 |
| Equity capital to assets | 9.3558% | 4,587 |
| Core capital (leverage) ratio | 9.4927% | 4,178 |
| Tier 1 risk-based capital ratio | 13.4601% | 3,729 |
| Total risk-based capital ratio | 14.6021% | 3,704 |
| Memoranda: | ||
| Average total assets | $403,860,250 | 1,699 |
| Average earning assets | $382,002,000 | 1,670 |
| Average equity | $37,341,250 | 1,968 |
| Average total loans | $260,782,750 | 1,769 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0247% | 3,117 |
| Cost of funding earning assets | 0.2644% | 4,426 |
| Net interest margin | 3.7603% | 2,437 |
| Noninterest income to average assets | 0.9528% | 1,128 |
| Noninterest expense to average assets | 3.0246% | 2,053 |
| Loan and lease loss provision to assets | -0.1248% | 5,664 |
| Net operating income to assets | 1.0126% | 2,368 |
| Return on assets (ROA) | 1.0372% | 2,306 |
| Pretax return on assets | 1.6401% | 1,227 |
| Return on Equity (ROE) | 11.2633% | 1,547 |
| Retained earnings to average equity (ytd only) | 5.8430% | 2,205 |
| Net charge-offs to loans | -0.3461% | 5,658 |
| Credit loss provision to net charge-offs | 56.0538% | 2,493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1915% | 3,154 |
| Assets per employee ($millions) | 4.3026% | 3,426 |
| Cash dividends to net income (ytd only)* | 48.1232% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2221% | 2,881 |
| Loan loss allowance to noncurrent loans | 3,156.4356% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.3999% | 3,507 |
| Noncurrent loans to loans | 0.0387% | 4,999 |
| Net loans and leases to total assets | 64.3969% | 3,333 |
| Net loans and leases to deposits | 71.3387% | 3,797 |
| Net loans and leases to core deposits | 76.0115% | 3,772 |
| Total domestic deposits to total assets | 90.2692% | 438 |
| Equity capital to assets | 9.5404% | 4,370 |
| Core capital (leverage) ratio | 9.4970% | 4,135 |
| Tier 1 risk-based capital ratio | 13.5962% | 3,641 |
| Total risk-based capital ratio | 14.7410% | 3,618 |
| Memoranda: | ||
| Average total assets | $400,707,670 | 1,718 |
| Average earning assets | $378,165,000 | 1,688 |
| Average equity | $36,898,670 | 1,983 |
| Average total loans | $257,727,670 | 1,779 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9690% | 3,146 |
| Cost of funding earning assets | 0.2638% | 4,418 |
| Net interest margin | 3.7053% | 2,472 |
| Noninterest income to average assets | 0.9596% | 1,082 |
| Noninterest expense to average assets | 3.1083% | 1,845 |
| Loan and lease loss provision to assets | -0.2494% | 5,807 |
| Net operating income to assets | 0.9975% | 2,315 |
| Return on assets (ROA) | 0.9975% | 2,367 |
| Pretax return on assets | 1.6040% | 1,227 |
| Return on Equity (ROE) | 11.0313% | 1,554 |
| Retained earnings to average equity (ytd only) | 5.5156% | 2,591 |
| Net charge-offs to loans | -0.5825% | 5,753 |
| Credit loss provision to net charge-offs | 67.0241% | 1,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6468% | 2,946 |
| Assets per employee ($millions) | 4.3911% | 3,348 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1939% | 3,172 |
| Loan loss allowance to noncurrent loans | 604.8544% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.3845% | 3,669 |
| Noncurrent loans to loans | 0.1974% | 4,412 |
| Net loans and leases to total assets | 63.1294% | 3,390 |
| Net loans and leases to deposits | 69.5418% | 3,849 |
| Net loans and leases to core deposits | 73.1905% | 3,901 |
| Total domestic deposits to total assets | 90.7790% | 369 |
| Equity capital to assets | 9.0145% | 4,793 |
| Core capital (leverage) ratio | 9.3414% | 4,289 |
| Tier 1 risk-based capital ratio | 13.3298% | 3,869 |
| Total risk-based capital ratio | 14.4515% | 3,867 |
| Memoranda: | ||
| Average total assets | $400,990,500 | 1,730 |
| Average earning assets | $379,137,000 | 1,693 |
| Average equity | $36,260,500 | 2,018 |
| Average total loans | $256,158,000 | 1,795 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9509% | 3,382 |
| Cost of funding earning assets | 0.2594% | 4,475 |
| Net interest margin | 3.6915% | 2,730 |
| Noninterest income to average assets | 1.0766% | 973 |
| Noninterest expense to average assets | 3.0211% | 2,284 |
| Loan and lease loss provision to assets | -0.2614% | 5,819 |
| Net operating income to assets | 1.0847% | 1,961 |
| Return on assets (ROA) | 1.1035% | 1,978 |
| Pretax return on assets | 1.8065% | 790 |
| Return on Equity (ROE) | 11.5179% | 1,395 |
| Retained earnings to average equity (ytd only) | 4.6279% | 2,605 |
| Net charge-offs to loans | -0.0256% | 5,192 |
| Credit loss provision to net charge-offs | 1,612.9032% | 270 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5898% | 3,498 |
| Assets per employee ($millions) | 4.2323% | 3,564 |
| Cash dividends to net income (ytd only)* | 59.8199% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1901% | 3,179 |
| Loan loss allowance to noncurrent loans | 1,196.8000% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.4433% | 3,491 |
| Noncurrent loans to loans | 0.0994% | 4,842 |
| Net loans and leases to total assets | 63.1099% | 3,465 |
| Net loans and leases to deposits | 69.4973% | 3,958 |
| Net loans and leases to core deposits | 73.5910% | 3,954 |
| Total domestic deposits to total assets | 90.8091% | 341 |
| Equity capital to assets | 9.0720% | 4,742 |
| Core capital (leverage) ratio | 9.2445% | 4,417 |
| Tier 1 risk-based capital ratio | 13.3598% | 3,851 |
| Total risk-based capital ratio | 14.4685% | 3,859 |
| Memoranda: | ||
| Average total assets | $382,515,400 | 1,753 |
| Average earning assets | $358,549,600 | 1,731 |
| Average equity | $36,647,200 | 1,995 |
| Average total loans | $242,072,200 | 1,834 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9691% | 3,327 |
| Cost of funding earning assets | 0.2597% | 4,508 |
| Net interest margin | 3.7094% | 2,681 |
| Noninterest income to average assets | 1.0782% | 972 |
| Noninterest expense to average assets | 3.0602% | 2,126 |
| Loan and lease loss provision to assets | -0.3511% | 5,924 |
| Net operating income to assets | 1.1180% | 1,926 |
| Return on assets (ROA) | 1.1432% | 1,942 |
| Pretax return on assets | 1.8791% | 745 |
| Return on Equity (ROE) | 11.7706% | 1,398 |
| Retained earnings to average equity (ytd only) | 5.0828% | 2,766 |
| Net charge-offs to loans | -0.0128% | 4,861 |
| Credit loss provision to net charge-offs | 4,347.8261% | 126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2738% | 3,364 |
| Assets per employee ($millions) | 4.3476% | 3,336 |
| Cash dividends to net income (ytd only)* | 56.8184% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2321% | 3,050 |
| Loan loss allowance to noncurrent loans | 210.9286% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 0.7242% | 2,753 |
| Noncurrent loans to loans | 0.5841% | 3,258 |
| Net loans and leases to total assets | 59.8331% | 3,898 |
| Net loans and leases to deposits | 66.3644% | 4,309 |
| Net loans and leases to core deposits | 69.5434% | 4,361 |
| Total domestic deposits to total assets | 90.1583% | 425 |
| Equity capital to assets | 9.5826% | 4,574 |
| Core capital (leverage) ratio | 9.3342% | 4,411 |
| Tier 1 risk-based capital ratio | 13.7982% | 3,671 |
| Total risk-based capital ratio | 14.9511% | 3,659 |
| Memoranda: | ||
| Average total assets | $379,742,500 | 1,769 |
| Average earning assets | $355,305,250 | 1,749 |
| Average equity | $36,882,000 | 1,995 |
| Average total loans | $239,741,000 | 1,856 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0257% | 3,161 |
| Cost of funding earning assets | 0.2623% | 4,524 |
| Net interest margin | 3.7634% | 2,461 |
| Noninterest income to average assets | 0.9588% | 1,221 |
| Noninterest expense to average assets | 3.0621% | 2,169 |
| Loan and lease loss provision to assets | -0.3472% | 5,992 |
| Net operating income to assets | 1.0609% | 2,118 |
| Return on assets (ROA) | 1.0992% | 2,082 |
| Pretax return on assets | 1.8128% | 859 |
| Return on Equity (ROE) | 11.2648% | 1,553 |
| Retained earnings to average equity (ytd only) | 4.8332% | 2,843 |
| Net charge-offs to loans | -0.0067% | 4,596 |
| Credit loss provision to net charge-offs | 8,125.0000% | 44 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5356% | 3,239 |
| Assets per employee ($millions) | 4.0894% | 3,754 |
| Cash dividends to net income (ytd only)* | 57.0943% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3707% | 2,430 |
| Loan loss allowance to noncurrent loans | 192.8446% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 1.5134% | 1,260 |
| Noncurrent loans to loans | 0.7108% | 2,947 |
| Net loans and leases to total assets | 62.8824% | 3,520 |
| Net loans and leases to deposits | 70.0425% | 3,977 |
| Net loans and leases to core deposits | 73.2146% | 4,056 |
| Total domestic deposits to total assets | 89.7775% | 571 |
| Equity capital to assets | 9.9697% | 4,265 |
| Core capital (leverage) ratio | 9.2967% | 4,462 |
| Tier 1 risk-based capital ratio | 13.2876% | 4,026 |
| Total risk-based capital ratio | 14.5412% | 3,942 |
| Memoranda: | ||
| Average total assets | $374,445,330 | 1,791 |
| Average earning assets | $349,155,330 | 1,777 |
| Average equity | $36,538,670 | 2,015 |
| Average total loans | $239,763,670 | 1,858 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0107% | 3,185 |
| Cost of funding earning assets | 0.2631% | 4,574 |
| Net interest margin | 3.7476% | 2,490 |
| Noninterest income to average assets | 0.9916% | 1,094 |
| Noninterest expense to average assets | 3.1107% | 2,071 |
| Loan and lease loss provision to assets | -0.4283% | 6,074 |
| Net operating income to assets | 1.0855% | 1,964 |
| Return on assets (ROA) | 1.1383% | 1,872 |
| Pretax return on assets | 1.8846% | 716 |
| Return on Equity (ROE) | 11.7936% | 1,372 |
| Retained earnings to average equity (ytd only) | 6.2463% | 2,260 |
| Net charge-offs to loans | 0.0184% | 2,565 |
| Credit loss provision to net charge-offs | -3,636.3636% | 4,978 |
| Earnings coverage of net charge-offs (x) | 116.6364% | 486 |
| Efficiency ratio | 69.3649% | 3,233 |
| Assets per employee ($millions) | 4.2138% | 3,560 |
| Cash dividends to net income (ytd only)* | 47.0367% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4532% | 2,182 |
| Loan loss allowance to noncurrent loans | 197.5856% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 1.7015% | 1,136 |
| Noncurrent loans to loans | 0.7355% | 2,995 |
| Net loans and leases to total assets | 63.6305% | 3,290 |
| Net loans and leases to deposits | 70.7388% | 3,781 |
| Net loans and leases to core deposits | 73.1553% | 3,968 |
| Total domestic deposits to total assets | 89.9514% | 619 |
| Equity capital to assets | 9.7583% | 4,387 |
| Core capital (leverage) ratio | 9.1469% | 4,662 |
| Tier 1 risk-based capital ratio | 12.8086% | 4,392 |
| Total risk-based capital ratio | 14.0638% | 4,298 |
| Memoranda: | ||
| Average total assets | $373,553,500 | 1,798 |
| Average earning assets | $348,169,500 | 1,784 |
| Average equity | $36,053,500 | 2,031 |
| Average total loans | $239,710,500 | 1,860 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1668% | 2,680 |
| Cost of funding earning assets | 0.3055% | 4,192 |
| Net interest margin | 3.8613% | 2,158 |
| Noninterest income to average assets | 0.9065% | 1,429 |
| Noninterest expense to average assets | 3.0798% | 2,300 |
| Loan and lease loss provision to assets | -0.2774% | 6,047 |
| Net operating income to assets | 1.0195% | 2,262 |
| Return on assets (ROA) | 1.0413% | 2,251 |
| Pretax return on assets | 1.7112% | 968 |
| Return on Equity (ROE) | 10.7499% | 1,707 |
| Retained earnings to average equity (ytd only) | 1.3860% | 4,936 |
| Net charge-offs to loans | -0.0236% | 5,325 |
| Credit loss provision to net charge-offs | 1,818.1818% | 187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7535% | 3,441 |
| Assets per employee ($millions) | 4.2282% | 3,524 |
| Cash dividends to net income (ytd only)* | 87.1071% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6563% | 1,455 |
| Loan loss allowance to noncurrent loans | 89.0954% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 1.7389% | 1,101 |
| Noncurrent loans to loans | 1.8591% | 1,157 |
| Net loans and leases to total assets | 62.7124% | 3,461 |
| Net loans and leases to deposits | 69.4273% | 3,981 |
| Net loans and leases to core deposits | 71.6266% | 4,166 |
| Total domestic deposits to total assets | 90.3282% | 491 |
| Equity capital to assets | 9.5439% | 4,497 |
| Core capital (leverage) ratio | 8.9306% | 4,966 |
| Tier 1 risk-based capital ratio | 12.6996% | 4,508 |
| Total risk-based capital ratio | 13.9608% | 4,404 |
| Memoranda: | ||
| Average total assets | $360,515,200 | 1,823 |
| Average earning assets | $333,588,200 | 1,817 |
| Average equity | $34,921,400 | 2,039 |
| Average total loans | $233,229,800 | 1,847 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1804% | 2,647 |
| Cost of funding earning assets | 0.3164% | 4,147 |
| Net interest margin | 3.8639% | 2,148 |
| Noninterest income to average assets | 0.8784% | 1,517 |
| Noninterest expense to average assets | 3.0411% | 2,395 |
| Loan and lease loss provision to assets | -0.3728% | 6,176 |
| Net operating income to assets | 1.0802% | 2,096 |
| Return on assets (ROA) | 1.1095% | 2,042 |
| Pretax return on assets | 1.8250% | 851 |
| Return on Equity (ROE) | 11.4105% | 1,572 |
| Retained earnings to average equity (ytd only) | 0.4448% | 5,494 |
| Net charge-offs to loans | 0.0356% | 3,200 |
| Credit loss provision to net charge-offs | -1,612.9032% | 5,562 |
| Earnings coverage of net charge-offs (x) | 60.8421% | 915 |
| Efficiency ratio | 68.3796% | 3,472 |
| Assets per employee ($millions) | 4.1712% | 3,583 |
| Cash dividends to net income (ytd only)* | 96.1022% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6362% | 1,649 |
| Loan loss allowance to noncurrent loans | 85.4358% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 1.8008% | 1,191 |
| Noncurrent loans to loans | 1.9151% | 1,210 |
| Net loans and leases to total assets | 63.1665% | 3,425 |
| Net loans and leases to deposits | 70.2173% | 3,957 |
| Net loans and leases to core deposits | 72.5891% | 4,144 |
| Total domestic deposits to total assets | 89.9586% | 588 |
| Equity capital to assets | 9.8039% | 4,386 |
| Core capital (leverage) ratio | 8.8996% | 5,119 |
| Tier 1 risk-based capital ratio | 12.6966% | 4,616 |
| Total risk-based capital ratio | 13.9595% | 4,515 |
| Memoranda: | ||
| Average total assets | $357,623,750 | 1,848 |
| Average earning assets | $330,329,750 | 1,846 |
| Average equity | $34,774,000 | 2,067 |
| Average total loans | $232,219,500 | 1,862 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1877% | 2,589 |
| Cost of funding earning assets | 0.3289% | 4,066 |
| Net interest margin | 3.8588% | 2,111 |
| Noninterest income to average assets | 0.8661% | 1,552 |
| Noninterest expense to average assets | 3.0961% | 2,252 |
| Loan and lease loss provision to assets | -0.3934% | 6,256 |
| Net operating income to assets | 1.0452% | 2,157 |
| Return on assets (ROA) | 1.0459% | 2,266 |
| Pretax return on assets | 1.7181% | 1,048 |
| Return on Equity (ROE) | 10.7865% | 1,753 |
| Retained earnings to average equity (ytd only) | -3.4139% | 5,945 |
| Net charge-offs to loans | 0.1733% | 1,425 |
| Credit loss provision to net charge-offs | -348.2587% | 5,142 |
| Earnings coverage of net charge-offs (x) | 11.7164% | 2,266 |
| Efficiency ratio | 70.0534% | 3,314 |
| Assets per employee ($millions) | 3.9335% | 4,009 |
| Cash dividends to net income (ytd only)* | 131.6497% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7025% | 1,597 |
| Loan loss allowance to noncurrent loans | 72.0450% | 4,431 |
| Noncurrent assets plus other real estate owned to assets | 2.1005% | 1,026 |
| Noncurrent loans to loans | 2.3631% | 988 |
| Net loans and leases to total assets | 64.8148% | 3,147 |
| Net loans and leases to deposits | 71.9700% | 3,724 |
| Net loans and leases to core deposits | 74.4597% | 3,911 |
| Total domestic deposits to total assets | 90.0580% | 639 |
| Equity capital to assets | 9.7398% | 4,356 |
| Core capital (leverage) ratio | 8.7214% | 5,297 |
| Tier 1 risk-based capital ratio | 12.0606% | 5,100 |
| Total risk-based capital ratio | 13.3252% | 4,987 |
| Memoranda: | ||
| Average total assets | $355,865,670 | 1,868 |
| Average earning assets | $327,720,670 | 1,876 |
| Average equity | $34,506,000 | 2,093 |
| Average total loans | $231,945,000 | 1,869 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1341% | 2,693 |
| Cost of funding earning assets | 0.3447% | 3,931 |
| Net interest margin | 3.7894% | 2,263 |
| Noninterest income to average assets | 0.7792% | 1,788 |
| Noninterest expense to average assets | 3.0830% | 2,323 |
| Loan and lease loss provision to assets | -0.2803% | 6,302 |
| Net operating income to assets | 0.9014% | 2,734 |
| Return on assets (ROA) | 0.9014% | 2,859 |
| Pretax return on assets | 1.4765% | 1,639 |
| Return on Equity (ROE) | 9.3166% | 2,306 |
| Retained earnings to average equity (ytd only) | -19.0736% | 6,264 |
| Net charge-offs to loans | 0.0692% | 2,037 |
| Credit loss provision to net charge-offs | -625.0000% | 4,875 |
| Earnings coverage of net charge-offs (x) | 26.6750% | 1,235 |
| Efficiency ratio | 72.0461% | 3,168 |
| Assets per employee ($millions) | 3.9593% | 4,040 |
| Cash dividends to net income (ytd only)* | 304.7264% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9794% | 1,121 |
| Loan loss allowance to noncurrent loans | 441.7148% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.8669% | 2,911 |
| Noncurrent loans to loans | 0.4481% | 4,244 |
| Net loans and leases to total assets | 63.7180% | 3,127 |
| Net loans and leases to deposits | 70.5654% | 3,683 |
| Net loans and leases to core deposits | 72.9711% | 3,875 |
| Total domestic deposits to total assets | 90.2965% | 609 |
| Equity capital to assets | 9.4765% | 4,775 |
| Core capital (leverage) ratio | 8.2958% | 5,729 |
| Tier 1 risk-based capital ratio | 11.7377% | 5,415 |
| Total risk-based capital ratio | 13.0073% | 5,307 |
| Memoranda: | ||
| Average total assets | $356,792,500 | 1,862 |
| Average earning assets | $329,552,500 | 1,866 |
| Average equity | $34,519,000 | 2,098 |
| Average total loans | $231,204,500 | 1,867 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4061% | 2,199 |
| Cost of funding earning assets | 0.4200% | 3,476 |
| Net interest margin | 3.9861% | 1,931 |
| Noninterest income to average assets | 0.9683% | 1,295 |
| Noninterest expense to average assets | 3.1654% | 2,309 |
| Loan and lease loss provision to assets | -0.2251% | 6,311 |
| Net operating income to assets | 1.0073% | 2,344 |
| Return on assets (ROA) | 1.0302% | 2,337 |
| Pretax return on assets | 1.6792% | 1,030 |
| Return on Equity (ROE) | 11.0687% | 1,705 |
| Retained earnings to average equity (ytd only) | 11.0687% | 370 |
| Net charge-offs to loans | 0.5953% | 668 |
| Credit loss provision to net charge-offs | -57.8871% | 5,439 |
| Earnings coverage of net charge-offs (x) | 3.6483% | 3,835 |
| Efficiency ratio | 69.0561% | 3,700 |
| Assets per employee ($millions) | 4.1063% | 3,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1124% | 931 |
| Loan loss allowance to noncurrent loans | 672.4138% | 847 |
| Noncurrent assets plus other real estate owned to assets | 1.1510% | 2,463 |
| Noncurrent loans to loans | 0.3142% | 4,718 |
| Net loans and leases to total assets | 63.2329% | 3,332 |
| Net loans and leases to deposits | 70.2884% | 3,872 |
| Net loans and leases to core deposits | 72.9538% | 4,032 |
| Total domestic deposits to total assets | 89.9620% | 745 |
| Equity capital to assets | 9.8726% | 4,268 |
| Core capital (leverage) ratio | 8.4731% | 5,579 |
| Tier 1 risk-based capital ratio | 12.4759% | 5,046 |
| Total risk-based capital ratio | 13.7355% | 4,963 |
| Memoranda: | ||
| Average total assets | $355,465,400 | 1,834 |
| Average earning assets | $322,417,600 | 1,856 |
| Average equity | $33,084,200 | 2,106 |
| Average total loans | $232,150,200 | 1,810 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4255% | 2,141 |
| Cost of funding earning assets | 0.4337% | 3,429 |
| Net interest margin | 3.9918% | 1,906 |
| Noninterest income to average assets | 0.9682% | 1,316 |
| Noninterest expense to average assets | 3.1318% | 2,378 |
| Loan and lease loss provision to assets | -0.3004% | 6,460 |
| Net operating income to assets | 1.0669% | 2,165 |
| Return on assets (ROA) | 1.0974% | 2,112 |
| Pretax return on assets | 1.7933% | 904 |
| Return on Equity (ROE) | 11.9735% | 1,490 |
| Retained earnings to average equity (ytd only) | 11.9735% | 420 |
| Net charge-offs to loans | 0.6549% | 546 |
| Credit loss provision to net charge-offs | -70.0525% | 5,392 |
| Earnings coverage of net charge-offs (x) | 3.3695% | 3,676 |
| Efficiency ratio | 68.4254% | 3,779 |
| Assets per employee ($millions) | 4.0804% | 3,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2423% | 886 |
| Loan loss allowance to noncurrent loans | 527.8638% | 928 |
| Noncurrent assets plus other real estate owned to assets | 1.6203% | 1,867 |
| Noncurrent loans to loans | 0.4248% | 4,633 |
| Net loans and leases to total assets | 62.1030% | 3,470 |
| Net loans and leases to deposits | 68.8726% | 4,031 |
| Net loans and leases to core deposits | 71.7524% | 4,173 |
| Total domestic deposits to total assets | 90.1708% | 654 |
| Equity capital to assets | 9.5827% | 4,691 |
| Core capital (leverage) ratio | 8.2729% | 5,863 |
| Tier 1 risk-based capital ratio | 11.9774% | 5,502 |
| Total risk-based capital ratio | 13.2382% | 5,411 |
| Memoranda: | ||
| Average total assets | $355,019,000 | 1,853 |
| Average earning assets | $320,950,250 | 1,876 |
| Average equity | $32,537,750 | 2,143 |
| Average total loans | $232,494,000 | 1,814 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4512% | 1,988 |
| Cost of funding earning assets | 0.4516% | 3,312 |
| Net interest margin | 3.9996% | 1,802 |
| Noninterest income to average assets | 0.8912% | 1,523 |
| Noninterest expense to average assets | 3.1679% | 2,283 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8306% | 3,174 |
| Return on assets (ROA) | 0.8765% | 3,012 |
| Pretax return on assets | 1.4160% | 1,837 |
| Return on Equity (ROE) | 9.7136% | 2,279 |
| Retained earnings to average equity (ytd only) | 9.7136% | 789 |
| Net charge-offs to loans | 1.0233% | 346 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1.9858% | 3,674 |
| Efficiency ratio | 70.2093% | 3,624 |
| Assets per employee ($millions) | 3.8939% | 4,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5592% | 660 |
| Loan loss allowance to noncurrent loans | 205.9030% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 2.3838% | 1,216 |
| Noncurrent loans to loans | 1.2429% | 2,741 |
| Net loans and leases to total assets | 63.6651% | 3,128 |
| Net loans and leases to deposits | 70.5152% | 3,753 |
| Net loans and leases to core deposits | 73.3690% | 3,905 |
| Total domestic deposits to total assets | 90.2857% | 665 |
| Equity capital to assets | 9.4433% | 4,799 |
| Core capital (leverage) ratio | 7.6422% | 6,263 |
| Tier 1 risk-based capital ratio | 10.9875% | 6,054 |
| Total risk-based capital ratio | 12.2524% | 5,993 |
| Memoranda: | ||
| Average total assets | $353,667,670 | 1,856 |
| Average earning assets | $320,182,000 | 1,880 |
| Average equity | $31,914,000 | 2,161 |
| Average total loans | $233,955,330 | 1,798 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4304% | 2,024 |
| Cost of funding earning assets | 0.4749% | 3,177 |
| Net interest margin | 3.9555% | 1,908 |
| Noninterest income to average assets | 0.7892% | 1,800 |
| Noninterest expense to average assets | 3.0680% | 2,632 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8061% | 3,123 |
| Return on assets (ROA) | 0.8962% | 2,736 |
| Pretax return on assets | 1.4445% | 1,597 |
| Return on Equity (ROE) | 10.1647% | 1,977 |
| Retained earnings to average equity (ytd only) | 10.1647% | 923 |
| Net charge-offs to loans | 0.8577% | 406 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.2840% | 2,915 |
| Efficiency ratio | 70.1777% | 3,807 |
| Assets per employee ($millions) | 4.0354% | 3,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7626% | 571 |
| Loan loss allowance to noncurrent loans | 234.2632% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 2.3854% | 1,362 |
| Noncurrent loans to loans | 1.1793% | 3,078 |
| Net loans and leases to total assets | 64.9215% | 2,739 |
| Net loans and leases to deposits | 71.5266% | 3,403 |
| Net loans and leases to core deposits | 74.7919% | 3,557 |
| Total domestic deposits to total assets | 90.7655% | 657 |
| Equity capital to assets | 8.9760% | 5,143 |
| Core capital (leverage) ratio | 7.3081% | 6,400 |
| Tier 1 risk-based capital ratio | 10.2079% | 6,425 |
| Total risk-based capital ratio | 11.4754% | 6,381 |
| Memoranda: | ||
| Average total assets | $355,276,000 | 1,848 |
| Average earning assets | $321,778,500 | 1,876 |
| Average equity | $31,324,000 | 2,192 |
| Average total loans | $236,445,500 | 1,783 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5159% | 2,143 |
| Cost of funding earning assets | 0.6690% | 2,048 |
| Net interest margin | 3.8469% | 2,476 |
| Noninterest income to average assets | 0.5077% | 3,705 |
| Noninterest expense to average assets | 3.1192% | 2,679 |
| Loan and lease loss provision to assets | 0.0238% | 4,649 |
| Net operating income to assets | 0.5187% | 4,659 |
| Return on assets (ROA) | 0.5187% | 4,785 |
| Pretax return on assets | 0.8088% | 4,114 |
| Return on Equity (ROE) | 6.1466% | 4,000 |
| Retained earnings to average equity (ytd only) | 6.1466% | 1,887 |
| Net charge-offs to loans | 0.7581% | 834 |
| Credit loss provision to net charge-offs | 4.7672% | 4,653 |
| Earnings coverage of net charge-offs (x) | 1.6691% | 4,496 |
| Efficiency ratio | 78.9325% | 2,335 |
| Assets per employee ($millions) | 4.0855% | 3,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9929% | 472 |
| Loan loss allowance to noncurrent loans | 549.1829% | 885 |
| Noncurrent assets plus other real estate owned to assets | 1.8822% | 1,933 |
| Noncurrent loans to loans | 0.5450% | 4,628 |
| Net loans and leases to total assets | 64.3540% | 2,980 |
| Net loans and leases to deposits | 70.6169% | 3,714 |
| Net loans and leases to core deposits | 74.5896% | 3,775 |
| Total domestic deposits to total assets | 91.1312% | 521 |
| Equity capital to assets | 8.6578% | 5,413 |
| Core capital (leverage) ratio | 6.7815% | 6,564 |
| Tier 1 risk-based capital ratio | 9.7380% | 6,568 |
| Total risk-based capital ratio | 11.0084% | 6,537 |
| Memoranda: | ||
| Average total assets | $357,464,800 | 1,813 |
| Average earning assets | $320,023,800 | 1,860 |
| Average equity | $30,162,800 | 2,244 |
| Average total loans | $235,178,800 | 1,758 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5356% | 2,094 |
| Cost of funding earning assets | 0.6993% | 1,954 |
| Net interest margin | 3.8363% | 2,514 |
| Noninterest income to average assets | 0.3747% | 4,711 |
| Noninterest expense to average assets | 3.0281% | 2,890 |
| Loan and lease loss provision to assets | 0.0317% | 4,375 |
| Net operating income to assets | 0.4745% | 4,911 |
| Return on assets (ROA) | 0.4745% | 5,063 |
| Pretax return on assets | 0.7393% | 4,541 |
| Return on Equity (ROE) | 5.6601% | 4,379 |
| Retained earnings to average equity (ytd only) | 5.6601% | 2,629 |
| Net charge-offs to loans | 0.6291% | 979 |
| Credit loss provision to net charge-offs | 7.6646% | 4,246 |
| Earnings coverage of net charge-offs (x) | 1.8665% | 4,206 |
| Efficiency ratio | 79.7059% | 2,147 |
| Assets per employee ($millions) | 4.1556% | 3,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3192% | 406 |
| Loan loss allowance to noncurrent loans | 227.7843% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 2.8113% | 1,323 |
| Noncurrent loans to loans | 1.4572% | 2,982 |
| Net loans and leases to total assets | 62.2867% | 3,314 |
| Net loans and leases to deposits | 68.2327% | 4,033 |
| Net loans and leases to core deposits | 72.5216% | 4,028 |
| Total domestic deposits to total assets | 91.2858% | 430 |
| Equity capital to assets | 8.4584% | 5,778 |
| Core capital (leverage) ratio | 6.5635% | 6,656 |
| Tier 1 risk-based capital ratio | 9.3827% | 6,692 |
| Total risk-based capital ratio | 10.6570% | 6,666 |
| Memoranda: | ||
| Average total assets | $357,971,750 | 1,821 |
| Average earning assets | $319,539,250 | 1,874 |
| Average equity | $30,010,250 | 2,271 |
| Average total loans | $235,024,750 | 1,757 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5481% | 2,036 |
| Cost of funding earning assets | 0.7301% | 1,842 |
| Net interest margin | 3.8180% | 2,483 |
| Noninterest income to average assets | 0.0874% | 6,564 |
| Noninterest expense to average assets | 2.9693% | 3,095 |
| Loan and lease loss provision to assets | 0.0476% | 4,020 |
| Net operating income to assets | 0.3167% | 5,535 |
| Return on assets (ROA) | 0.3167% | 5,691 |
| Pretax return on assets | 0.4770% | 5,446 |
| Return on Equity (ROE) | 3.7894% | 5,293 |
| Retained earnings to average equity (ytd only) | 3.7894% | 3,886 |
| Net charge-offs to loans | 0.4234% | 1,525 |
| Credit loss provision to net charge-offs | 17.0341% | 3,792 |
| Earnings coverage of net charge-offs (x) | 1.8758% | 3,900 |
| Efficiency ratio | 84.9832% | 1,533 |
| Assets per employee ($millions) | 3.9665% | 3,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5926% | 345 |
| Loan loss allowance to noncurrent loans | 155.3259% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 3.6373% | 1,031 |
| Noncurrent loans to loans | 2.3129% | 2,043 |
| Net loans and leases to total assets | 64.1260% | 2,890 |
| Net loans and leases to deposits | 70.2289% | 3,690 |
| Net loans and leases to core deposits | 75.4844% | 3,610 |
| Total domestic deposits to total assets | 91.3099% | 441 |
| Equity capital to assets | 8.4821% | 5,780 |
| Core capital (leverage) ratio | 6.2366% | 6,729 |
| Tier 1 risk-based capital ratio | 8.8240% | 6,769 |
| Total risk-based capital ratio | 10.1012% | 6,769 |
| Memoranda: | ||
| Average total assets | $356,783,670 | 1,828 |
| Average earning assets | $318,333,670 | 1,879 |
| Average equity | $29,820,330 | 2,284 |
| Average total loans | $235,726,330 | 1,744 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4975% | 2,176 |
| Cost of funding earning assets | 0.7465% | 1,874 |
| Net interest margin | 3.7510% | 2,658 |
| Noninterest income to average assets | -0.9206% | 7,004 |
| Noninterest expense to average assets | 3.1033% | 2,662 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.3771% | 6,618 |
| Return on assets (ROA) | -0.3771% | 6,652 |
| Pretax return on assets | -0.6854% | 6,726 |
| Return on Equity (ROE) | -4.5444% | 6,678 |
| Retained earnings to average equity (ytd only) | -4.5444% | 6,329 |
| Net charge-offs to loans | 1.0442% | 585 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -0.9968% | 3,967 |
| Efficiency ratio | 128.3486% | 162 |
| Assets per employee ($millions) | 4.1123% | 3,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4166% | 454 |
| Loan loss allowance to noncurrent loans | 103.8550% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 4.5670% | 819 |
| Noncurrent loans to loans | 3.2898% | 1,473 |
| Net loans and leases to total assets | 64.2867% | 2,651 |
| Net loans and leases to deposits | 70.2973% | 3,430 |
| Net loans and leases to core deposits | 76.5783% | 3,250 |
| Total domestic deposits to total assets | 91.4497% | 367 |
| Equity capital to assets | 8.3121% | 6,178 |
| Core capital (leverage) ratio | 5.8427% | 6,818 |
| Tier 1 risk-based capital ratio | 8.1240% | 6,858 |
| Total risk-based capital ratio | 9.3990% | 6,857 |
| Memoranda: | ||
| Average total assets | $360,649,500 | 1,833 |
| Average earning assets | $320,980,000 | 1,889 |
| Average equity | $29,927,000 | 2,296 |
| Average total loans | $237,502,500 | 1,748 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8688% | 1,955 |
| Cost of funding earning assets | 0.9671% | 1,543 |
| Net interest margin | 3.9017% | 2,824 |
| Noninterest income to average assets | 0.5084% | 3,842 |
| Noninterest expense to average assets | 3.2150% | 2,559 |
| Loan and lease loss provision to assets | 0.3701% | 1,770 |
| Net operating income to assets | 0.2556% | 5,617 |
| Return on assets (ROA) | 0.2786% | 5,762 |
| Pretax return on assets | 0.3903% | 5,598 |
| Return on Equity (ROE) | 3.5694% | 5,321 |
| Retained earnings to average equity (ytd only) | 3.5694% | 3,698 |
| Net charge-offs to loans | 1.3555% | 697 |
| Credit loss provision to net charge-offs | 39.9361% | 4,936 |
| Earnings coverage of net charge-offs (x) | 0.7857% | 5,083 |
| Efficiency ratio | 81.5358% | 1,939 |
| Assets per employee ($millions) | 4.1785% | 3,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6961% | 360 |
| Loan loss allowance to noncurrent loans | 100.7596% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 5.5071% | 671 |
| Noncurrent loans to loans | 3.6682% | 1,327 |
| Net loans and leases to total assets | 62.7503% | 3,106 |
| Net loans and leases to deposits | 68.5943% | 3,891 |
| Net loans and leases to core deposits | 75.7384% | 3,568 |
| Total domestic deposits to total assets | 91.4803% | 341 |
| Equity capital to assets | 8.2843% | 6,213 |
| Core capital (leverage) ratio | 5.7152% | 6,878 |
| Tier 1 risk-based capital ratio | 8.1266% | 6,906 |
| Total risk-based capital ratio | 9.4045% | 6,907 |
| Memoranda: | ||
| Average total assets | $371,540,000 | 1,753 |
| Average earning assets | $327,063,800 | 1,815 |
| Average equity | $28,996,800 | 2,323 |
| Average total loans | $254,007,400 | 1,624 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9268% | 1,913 |
| Cost of funding earning assets | 1.0044% | 1,529 |
| Net interest margin | 3.9224% | 2,832 |
| Noninterest income to average assets | 0.5229% | 3,784 |
| Noninterest expense to average assets | 3.1460% | 2,733 |
| Loan and lease loss provision to assets | 0.4729% | 1,311 |
| Net operating income to assets | 0.2537% | 5,774 |
| Return on assets (ROA) | 0.2841% | 5,871 |
| Pretax return on assets | 0.3980% | 5,725 |
| Return on Equity (ROE) | 3.6958% | 5,417 |
| Retained earnings to average equity (ytd only) | 3.6958% | 4,289 |
| Net charge-offs to loans | 1.6632% | 497 |
| Credit loss provision to net charge-offs | 41.1235% | 4,591 |
| Earnings coverage of net charge-offs (x) | 0.7201% | 4,967 |
| Efficiency ratio | 79.1629% | 2,214 |
| Assets per employee ($millions) | 4.1499% | 3,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6358% | 414 |
| Loan loss allowance to noncurrent loans | 74.8512% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 6.4333% | 596 |
| Noncurrent loans to loans | 4.8573% | 942 |
| Net loans and leases to total assets | 64.0542% | 3,018 |
| Net loans and leases to deposits | 69.9224% | 3,905 |
| Net loans and leases to core deposits | 77.5532% | 3,522 |
| Total domestic deposits to total assets | 91.6075% | 267 |
| Equity capital to assets | 8.1453% | 6,521 |
| Core capital (leverage) ratio | 5.6536% | 6,969 |
| Tier 1 risk-based capital ratio | 7.8233% | 7,003 |
| Total risk-based capital ratio | 9.1006% | 7,003 |
| Memoranda: | ||
| Average total assets | $373,541,750 | 1,764 |
| Average earning assets | $328,667,250 | 1,827 |
| Average equity | $28,717,000 | 2,356 |
| Average total loans | $258,291,000 | 1,615 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9845% | 1,826 |
| Cost of funding earning assets | 1.0391% | 1,531 |
| Net interest margin | 3.9454% | 2,730 |
| Noninterest income to average assets | 0.5894% | 3,321 |
| Noninterest expense to average assets | 3.2432% | 2,459 |
| Loan and lease loss provision to assets | 0.6268% | 929 |
| Net operating income to assets | 0.1447% | 6,057 |
| Return on assets (ROA) | 0.1952% | 6,114 |
| Pretax return on assets | 0.2470% | 6,064 |
| Return on Equity (ROE) | 2.5901% | 5,850 |
| Retained earnings to average equity (ytd only) | 2.5901% | 4,898 |
| Net charge-offs to loans | 1.0200% | 1,081 |
| Credit loss provision to net charge-offs | 87.7521% | 3,112 |
| Earnings coverage of net charge-offs (x) | 1.1337% | 4,446 |
| Efficiency ratio | 80.0211% | 2,170 |
| Assets per employee ($millions) | 4.0678% | 3,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2405% | 290 |
| Loan loss allowance to noncurrent loans | 72.5843% | 4,093 |
| Noncurrent assets plus other real estate owned to assets | 7.7815% | 452 |
| Noncurrent loans to loans | 5.8421% | 776 |
| Net loans and leases to total assets | 65.0249% | 2,839 |
| Net loans and leases to deposits | 70.8368% | 3,783 |
| Net loans and leases to core deposits | 78.9693% | 3,367 |
| Total domestic deposits to total assets | 91.7954% | 259 |
| Equity capital to assets | 7.9433% | 6,601 |
| Core capital (leverage) ratio | 5.3089% | 7,046 |
| Tier 1 risk-based capital ratio | 7.2657% | 7,076 |
| Total risk-based capital ratio | 8.5499% | 7,077 |
| Memoranda: | ||
| Average total assets | $374,941,670 | 1,757 |
| Average earning assets | $329,139,000 | 1,826 |
| Average equity | $28,261,330 | 2,369 |
| Average total loans | $262,553,000 | 1,589 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0278% | 1,794 |
| Cost of funding earning assets | 1.0626% | 1,606 |
| Net interest margin | 3.9652% | 2,647 |
| Noninterest income to average assets | 0.6233% | 3,088 |
| Noninterest expense to average assets | 3.3170% | 2,241 |
| Loan and lease loss provision to assets | 0.4505% | 1,373 |
| Net operating income to assets | 0.2555% | 5,796 |
| Return on assets (ROA) | 0.2555% | 5,953 |
| Pretax return on assets | 0.3371% | 5,888 |
| Return on Equity (ROE) | 3.4814% | 5,519 |
| Retained earnings to average equity (ytd only) | 3.4814% | 4,491 |
| Net charge-offs to loans | 1.8840% | 508 |
| Credit loss provision to net charge-offs | 33.6500% | 3,561 |
| Earnings coverage of net charge-offs (x) | 0.5883% | 4,040 |
| Efficiency ratio | 80.8110% | 2,107 |
| Assets per employee ($millions) | 4.2014% | 3,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7784% | 438 |
| Loan loss allowance to noncurrent loans | 54.3786% | 4,825 |
| Noncurrent assets plus other real estate owned to assets | 8.8391% | 405 |
| Noncurrent loans to loans | 6.9483% | 647 |
| Net loans and leases to total assets | 67.2478% | 2,239 |
| Net loans and leases to deposits | 73.0887% | 3,262 |
| Net loans and leases to core deposits | 81.3003% | 2,917 |
| Total domestic deposits to total assets | 92.0085% | 253 |
| Equity capital to assets | 7.7125% | 6,686 |
| Core capital (leverage) ratio | 5.1780% | 7,105 |
| Tier 1 risk-based capital ratio | 6.7613% | 7,145 |
| Total risk-based capital ratio | 8.0403% | 7,147 |
| Memoranda: | ||
| Average total assets | $377,326,500 | 1,757 |
| Average earning assets | $331,278,500 | 1,822 |
| Average equity | $27,690,000 | 2,410 |
| Average total loans | $268,148,000 | 1,570 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3551% | 1,552 |
| Cost of funding earning assets | 1.3528% | 1,225 |
| Net interest margin | 4.0023% | 2,864 |
| Noninterest income to average assets | -0.0668% | 7,074 |
| Noninterest expense to average assets | 3.5006% | 1,979 |
| Loan and lease loss provision to assets | 1.8643% | 344 |
| Net operating income to assets | -1.0978% | 6,785 |
| Return on assets (ROA) | -0.9668% | 6,755 |
| Pretax return on assets | -1.7352% | 6,952 |
| Return on Equity (ROE) | -13.7462% | 6,855 |
| Retained earnings to average equity (ytd only) | -13.7462% | 6,831 |
| Net charge-offs to loans | 2.3738% | 514 |
| Credit loss provision to net charge-offs | 105.9053% | 3,221 |
| Earnings coverage of net charge-offs (x) | -0.0429% | 5,858 |
| Efficiency ratio | 102.2039% | 619 |
| Assets per employee ($millions) | 4.2306% | 3,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9783% | 388 |
| Loan loss allowance to noncurrent loans | 64.2027% | 4,293 |
| Noncurrent assets plus other real estate owned to assets | 8.2603% | 472 |
| Noncurrent loans to loans | 6.1964% | 784 |
| Net loans and leases to total assets | 69.3729% | 2,150 |
| Net loans and leases to deposits | 74.7872% | 3,378 |
| Net loans and leases to core deposits | 84.2794% | 2,856 |
| Total domestic deposits to total assets | 92.7604% | 152 |
| Equity capital to assets | 6.9629% | 6,974 |
| Core capital (leverage) ratio | 4.2320% | 7,193 |
| Tier 1 risk-based capital ratio | 5.5547% | 7,219 |
| Total risk-based capital ratio | 6.8367% | 7,219 |
| Memoranda: | ||
| Average total assets | $393,449,200 | 1,646 |
| Average earning assets | $343,278,800 | 1,741 |
| Average equity | $27,673,200 | 2,350 |
| Average total loans | $291,767,400 | 1,462 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3954% | 1,520 |
| Cost of funding earning assets | 1.4118% | 1,181 |
| Net interest margin | 3.9836% | 2,988 |
| Noninterest income to average assets | 0.0929% | 6,785 |
| Noninterest expense to average assets | 3.5230% | 1,880 |
| Loan and lease loss provision to assets | 2.0569% | 255 |
| Net operating income to assets | -1.1440% | 6,935 |
| Return on assets (ROA) | -0.9713% | 6,908 |
| Pretax return on assets | -1.7471% | 7,070 |
| Return on Equity (ROE) | -13.7766% | 6,989 |
| Retained earnings to average equity (ytd only) | -13.7766% | 6,963 |
| Net charge-offs to loans | 1.7238% | 801 |
| Credit loss provision to net charge-offs | 159.9322% | 1,926 |
| Earnings coverage of net charge-offs (x) | 0.0310% | 5,578 |
| Efficiency ratio | 98.8802% | 702 |
| Assets per employee ($millions) | 4.2775% | 3,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4797% | 270 |
| Loan loss allowance to noncurrent loans | 59.7284% | 4,468 |
| Noncurrent assets plus other real estate owned to assets | 9.1796% | 420 |
| Noncurrent loans to loans | 7.5001% | 630 |
| Net loans and leases to total assets | 69.6357% | 2,153 |
| Net loans and leases to deposits | 74.9890% | 3,509 |
| Net loans and leases to core deposits | 85.3108% | 2,873 |
| Total domestic deposits to total assets | 92.8612% | 140 |
| Equity capital to assets | 6.9880% | 7,057 |
| Core capital (leverage) ratio | 4.5949% | 7,268 |
| Tier 1 risk-based capital ratio | 5.9371% | 7,298 |
| Total risk-based capital ratio | 7.2255% | 7,299 |
| Memoranda: | ||
| Average total assets | $397,680,000 | 1,643 |
| Average earning assets | $346,407,750 | 1,723 |
| Average equity | $28,037,250 | 2,331 |
| Average total loans | $296,702,000 | 1,448 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4459% | 1,424 |
| Cost of funding earning assets | 1.4676% | 1,128 |
| Net interest margin | 3.9783% | 2,949 |
| Noninterest income to average assets | 0.4340% | 4,397 |
| Noninterest expense to average assets | 3.6440% | 1,640 |
| Loan and lease loss provision to assets | 2.5843% | 198 |
| Net operating income to assets | -1.3219% | 7,046 |
| Return on assets (ROA) | -1.2030% | 7,018 |
| Pretax return on assets | -2.1404% | 7,193 |
| Return on Equity (ROE) | -17.0151% | 7,111 |
| Retained earnings to average equity (ytd only) | -17.0151% | 7,093 |
| Net charge-offs to loans | 1.9607% | 690 |
| Credit loss provision to net charge-offs | 175.3643% | 1,717 |
| Earnings coverage of net charge-offs (x) | 0.1752% | 5,175 |
| Efficiency ratio | 93.3837% | 1,017 |
| Assets per employee ($millions) | 3.9500% | 3,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4087% | 300 |
| Loan loss allowance to noncurrent loans | 55.4863% | 4,703 |
| Noncurrent assets plus other real estate owned to assets | 10.4288% | 352 |
| Noncurrent loans to loans | 7.9456% | 574 |
| Net loans and leases to total assets | 70.7820% | 2,055 |
| Net loans and leases to deposits | 76.3872% | 3,399 |
| Net loans and leases to core deposits | 87.7175% | 2,679 |
| Total domestic deposits to total assets | 92.6621% | 150 |
| Equity capital to assets | 7.1599% | 7,067 |
| Core capital (leverage) ratio | 4.7744% | 7,317 |
| Tier 1 risk-based capital ratio | 6.1332% | 7,358 |
| Total risk-based capital ratio | 7.4199% | 7,359 |
| Memoranda: | ||
| Average total assets | $400,489,000 | 1,640 |
| Average earning assets | $349,144,330 | 1,719 |
| Average equity | $28,316,000 | 2,290 |
| Average total loans | $301,012,330 | 1,441 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3765% | 1,654 |
| Cost of funding earning assets | 1.4965% | 1,172 |
| Net interest margin | 3.8800% | 3,241 |
| Noninterest income to average assets | 0.3782% | 4,891 |
| Noninterest expense to average assets | 3.6112% | 1,748 |
| Loan and lease loss provision to assets | 4.3469% | 90 |
| Net operating income to assets | -2.4363% | 7,330 |
| Return on assets (ROA) | -2.2024% | 7,309 |
| Pretax return on assets | -3.8322% | 7,428 |
| Return on Equity (ROE) | -31.3391% | 7,329 |
| Retained earnings to average equity (ytd only) | -31.3391% | 7,303 |
| Net charge-offs to loans | 0.9435% | 1,418 |
| Credit loss provision to net charge-offs | 608.6657% | 611 |
| Earnings coverage of net charge-offs (x) | 0.2091% | 4,455 |
| Efficiency ratio | 96.0293% | 920 |
| Assets per employee ($millions) | 3.4323% | 5,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6775% | 246 |
| Loan loss allowance to noncurrent loans | 49.7216% | 5,033 |
| Noncurrent assets plus other real estate owned to assets | 11.3704% | 310 |
| Noncurrent loans to loans | 9.4074% | 449 |
| Net loans and leases to total assets | 72.2263% | 1,674 |
| Net loans and leases to deposits | 77.7454% | 3,105 |
| Net loans and leases to core deposits | 90.0180% | 2,340 |
| Total domestic deposits to total assets | 92.9011% | 143 |
| Equity capital to assets | 6.9158% | 7,107 |
| Core capital (leverage) ratio | 4.7042% | 7,378 |
| Tier 1 risk-based capital ratio | 5.9509% | 7,425 |
| Total risk-based capital ratio | 7.2415% | 7,428 |
| Memoranda: | ||
| Average total assets | $407,183,000 | 1,624 |
| Average earning assets | $354,950,000 | 1,695 |
| Average equity | $28,616,000 | 2,259 |
| Average total loans | $308,201,000 | 1,417 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5087% | 2,244 |
| Cost of funding earning assets | 1.9202% | 787 |
| Net interest margin | 3.5885% | 4,870 |
| Noninterest income to average assets | -0.0806% | 7,377 |
| Noninterest expense to average assets | 3.3930% | 2,454 |
| Loan and lease loss provision to assets | 3.9407% | 165 |
| Net operating income to assets | -2.5851% | 7,202 |
| Return on assets (ROA) | -2.5359% | 7,205 |
| Pretax return on assets | -4.1338% | 7,455 |
| Return on Equity (ROE) | -30.8517% | 7,241 |
| Retained earnings to average equity (ytd only) | -30.8517% | 7,229 |
| Net charge-offs to loans | 4.0067% | 315 |
| Credit loss provision to net charge-offs | 129.7872% | 3,074 |
| Earnings coverage of net charge-offs (x) | -0.0889% | 6,211 |
| Efficiency ratio | 108.6460% | 564 |
| Assets per employee ($millions) | 3.4976% | 4,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3086% | 677 |
| Loan loss allowance to noncurrent loans | 43.0574% | 5,442 |
| Noncurrent assets plus other real estate owned to assets | 10.0051% | 412 |
| Noncurrent loans to loans | 7.6842% | 692 |
| Net loans and leases to total assets | 73.1132% | 1,845 |
| Net loans and leases to deposits | 80.0136% | 3,176 |
| Net loans and leases to core deposits | 93.8704% | 2,273 |
| Total domestic deposits to total assets | 91.3759% | 435 |
| Equity capital to assets | 7.1349% | 7,070 |
| Core capital (leverage) ratio | 5.3314% | 7,378 |
| Tier 1 risk-based capital ratio | 6.7797% | 7,445 |
| Total risk-based capital ratio | 8.0534% | 7,446 |
| Memoranda: | ||
| Average total assets | $456,647,800 | 1,453 |
| Average earning assets | $407,660,600 | 1,492 |
| Average equity | $37,534,400 | 1,756 |
| Average total loans | $346,049,400 | 1,296 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5429% | 2,279 |
| Cost of funding earning assets | 1.9952% | 765 |
| Net interest margin | 3.5477% | 5,118 |
| Noninterest income to average assets | 0.0131% | 7,403 |
| Noninterest expense to average assets | 3.2062% | 2,907 |
| Loan and lease loss provision to assets | 3.4978% | 208 |
| Net operating income to assets | -1.6982% | 7,159 |
| Return on assets (ROA) | -1.6982% | 7,173 |
| Pretax return on assets | -3.5098% | 7,495 |
| Return on Equity (ROE) | -20.0702% | 7,223 |
| Retained earnings to average equity (ytd only) | -20.0702% | 7,207 |
| Net charge-offs to loans | 3.2767% | 433 |
| Credit loss provision to net charge-offs | 140.7957% | 2,817 |
| Earnings coverage of net charge-offs (x) | -0.0048% | 6,033 |
| Efficiency ratio | 100.3756% | 729 |
| Assets per employee ($millions) | 3.5514% | 4,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9988% | 820 |
| Loan loss allowance to noncurrent loans | 39.0864% | 5,704 |
| Noncurrent assets plus other real estate owned to assets | 9.3132% | 465 |
| Noncurrent loans to loans | 7.6723% | 699 |
| Net loans and leases to total assets | 73.3953% | 1,932 |
| Net loans and leases to deposits | 81.3189% | 3,213 |
| Net loans and leases to core deposits | 95.8816% | 2,274 |
| Total domestic deposits to total assets | 90.2561% | 748 |
| Equity capital to assets | 8.3187% | 6,486 |
| Core capital (leverage) ratio | 6.7120% | 7,283 |
| Tier 1 risk-based capital ratio | 8.5943% | 7,424 |
| Total risk-based capital ratio | 9.8642% | 7,433 |
| Memoranda: | ||
| Average total assets | $466,755,000 | 1,450 |
| Average earning assets | $418,518,000 | 1,470 |
| Average equity | $39,493,750 | 1,685 |
| Average total loans | $353,880,750 | 1,283 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4913% | 2,556 |
| Cost of funding earning assets | 2.0776% | 714 |
| Net interest margin | 3.4137% | 5,585 |
| Noninterest income to average assets | -0.0900% | 7,625 |
| Noninterest expense to average assets | 3.1461% | 3,114 |
| Loan and lease loss provision to assets | 2.9168% | 344 |
| Net operating income to assets | -1.2931% | 7,064 |
| Return on assets (ROA) | -1.2931% | 7,081 |
| Pretax return on assets | -3.0532% | 7,479 |
| Return on Equity (ROE) | -15.2051% | 7,152 |
| Retained earnings to average equity (ytd only) | -15.2051% | 7,109 |
| Net charge-offs to loans | 2.7035% | 611 |
| Credit loss provision to net charge-offs | 142.2159% | 2,799 |
| Earnings coverage of net charge-offs (x) | -0.0665% | 5,777 |
| Efficiency ratio | 104.5328% | 668 |
| Assets per employee ($millions) | 3.7608% | 4,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4230% | 1,406 |
| Loan loss allowance to noncurrent loans | 38.1893% | 5,808 |
| Noncurrent assets plus other real estate owned to assets | 7.7370% | 651 |
| Noncurrent loans to loans | 6.3447% | 966 |
| Net loans and leases to total assets | 74.5285% | 1,806 |
| Net loans and leases to deposits | 84.1983% | 2,839 |
| Net loans and leases to core deposits | 101.6016% | 1,858 |
| Total domestic deposits to total assets | 88.5154% | 1,719 |
| Equity capital to assets | 8.5686% | 6,066 |
| Core capital (leverage) ratio | 7.2224% | 7,055 |
| Tier 1 risk-based capital ratio | 9.5334% | 7,245 |
| Total risk-based capital ratio | 10.7966% | 7,245 |
| Memoranda: | ||
| Average total assets | $477,918,330 | 1,431 |
| Average earning assets | $433,957,670 | 1,431 |
| Average equity | $40,644,330 | 1,628 |
| Average total loans | $362,565,330 | 1,264 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5307% | 2,454 |
| Cost of funding earning assets | 2.1191% | 762 |
| Net interest margin | 3.4116% | 5,533 |
| Noninterest income to average assets | 0.8118% | 1,963 |
| Noninterest expense to average assets | 2.7792% | 4,567 |
| Loan and lease loss provision to assets | 1.3191% | 911 |
| Net operating income to assets | -0.1857% | 6,529 |
| Return on assets (ROA) | -0.1857% | 6,600 |
| Pretax return on assets | -0.1848% | 6,543 |
| Return on Equity (ROE) | -2.1906% | 6,659 |
| Retained earnings to average equity (ytd only) | -2.1906% | 6,240 |
| Net charge-offs to loans | 2.4183% | 688 |
| Credit loss provision to net charge-offs | 72.1282% | 4,055 |
| Earnings coverage of net charge-offs (x) | 0.6202% | 4,471 |
| Efficiency ratio | 71.0154% | 4,117 |
| Assets per employee ($millions) | 4.0038% | 3,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5503% | 3,660 |
| Loan loss allowance to noncurrent loans | 33.3235% | 6,182 |
| Noncurrent assets plus other real estate owned to assets | 6.5111% | 875 |
| Noncurrent loans to loans | 4.6523% | 1,591 |
| Net loans and leases to total assets | 73.5459% | 2,070 |
| Net loans and leases to deposits | 87.1077% | 2,393 |
| Net loans and leases to core deposits | 106.3315% | 1,550 |
| Total domestic deposits to total assets | 84.4310% | 3,927 |
| Equity capital to assets | 8.5082% | 5,992 |
| Core capital (leverage) ratio | 8.3640% | 5,619 |
| Tier 1 risk-based capital ratio | 10.6625% | 6,479 |
| Total risk-based capital ratio | 11.9154% | 6,463 |
| Memoranda: | ||
| Average total assets | $491,227,500 | 1,421 |
| Average earning assets | $446,599,000 | 1,421 |
| Average equity | $41,631,500 | 1,601 |
| Average total loans | $371,498,500 | 1,278 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0459% | 1,686 |
| Cost of funding earning assets | 2.5160% | 995 |
| Net interest margin | 3.5300% | 4,818 |
| Noninterest income to average assets | 0.8604% | 2,140 |
| Noninterest expense to average assets | 2.7194% | 5,297 |
| Loan and lease loss provision to assets | 1.6112% | 1,419 |
| Net operating income to assets | -0.2017% | 5,844 |
| Return on assets (ROA) | 0.0554% | 5,376 |
| Pretax return on assets | 0.0564% | 5,305 |
| Return on Equity (ROE) | 0.6863% | 5,333 |
| Retained earnings to average equity (ytd only) | -2.8351% | 5,668 |
| Net charge-offs to loans | 1.4633% | 1,717 |
| Credit loss provision to net charge-offs | 141.6332% | 3,416 |
| Earnings coverage of net charge-offs (x) | 1.2353% | 4,887 |
| Efficiency ratio | 65.9293% | 5,405 |
| Assets per employee ($millions) | 4.0162% | 3,787 |
| Cash dividends to net income (ytd only)* | 513.1086% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6617% | 3,040 |
| Loan loss allowance to noncurrent loans | 40.6377% | 5,687 |
| Noncurrent assets plus other real estate owned to assets | 5.3276% | 1,109 |
| Noncurrent loans to loans | 4.0891% | 1,802 |
| Net loans and leases to total assets | 75.2669% | 1,975 |
| Net loans and leases to deposits | 89.0385% | 2,381 |
| Net loans and leases to core deposits | 126.9950% | 1,451 |
| Total domestic deposits to total assets | 84.5329% | 3,782 |
| Equity capital to assets | 8.4422% | 5,992 |
| Core capital (leverage) ratio | 8.2857% | 5,649 |
| Tier 1 risk-based capital ratio | 10.3257% | 6,561 |
| Total risk-based capital ratio | 11.5799% | 6,530 |
| Memoranda: | ||
| Average total assets | $482,238,400 | 1,431 |
| Average earning assets | $445,952,000 | 1,414 |
| Average equity | $38,905,600 | 1,721 |
| Average total loans | $374,906,600 | 1,282 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0353% | 1,898 |
| Cost of funding earning assets | 2.5780% | 1,082 |
| Net interest margin | 3.4573% | 5,042 |
| Noninterest income to average assets | 0.7792% | 2,554 |
| Noninterest expense to average assets | 2.7362% | 5,165 |
| Loan and lease loss provision to assets | 1.9375% | 945 |
| Net operating income to assets | -0.6877% | 6,593 |
| Return on assets (ROA) | -0.6877% | 6,605 |
| Pretax return on assets | -0.6865% | 6,471 |
| Return on Equity (ROE) | -8.6267% | 6,781 |
| Retained earnings to average equity (ytd only) | -13.9521% | 7,073 |
| Net charge-offs to loans | 1.8140% | 1,116 |
| Credit loss provision to net charge-offs | 136.8369% | 3,618 |
| Earnings coverage of net charge-offs (x) | 0.8835% | 5,177 |
| Efficiency ratio | 68.6249% | 4,861 |
| Assets per employee ($millions) | 3.9652% | 3,795 |
| Cash dividends to net income (ytd only)* | -61.7315% | 7,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5517% | 3,189 |
| Loan loss allowance to noncurrent loans | 36.8276% | 5,936 |
| Noncurrent assets plus other real estate owned to assets | 5.3731% | 1,077 |
| Noncurrent loans to loans | 4.2133% | 1,712 |
| Net loans and leases to total assets | 76.4139% | 1,916 |
| Net loans and leases to deposits | 90.4734% | 2,489 |
| Net loans and leases to core deposits | 129.8138% | 1,445 |
| Total domestic deposits to total assets | 84.4601% | 3,498 |
| Equity capital to assets | 7.6849% | 7,165 |
| Core capital (leverage) ratio | 7.1709% | 7,288 |
| Tier 1 risk-based capital ratio | 8.7911% | 7,683 |
| Total risk-based capital ratio | 10.0439% | 7,715 |
| Memoranda: | ||
| Average total assets | $479,298,750 | 1,462 |
| Average earning assets | $444,725,000 | 1,431 |
| Average equity | $38,206,000 | 1,783 |
| Average total loans | $374,108,500 | 1,300 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1030% | 1,780 |
| Cost of funding earning assets | 2.6242% | 1,222 |
| Net interest margin | 3.4788% | 4,900 |
| Noninterest income to average assets | 0.7635% | 2,631 |
| Noninterest expense to average assets | 2.6981% | 5,392 |
| Loan and lease loss provision to assets | 1.1081% | 1,549 |
| Net operating income to assets | 0.1956% | 5,280 |
| Return on assets (ROA) | 0.1956% | 5,358 |
| Pretax return on assets | 0.1969% | 5,474 |
| Return on Equity (ROE) | 2.4241% | 5,134 |
| Retained earnings to average equity (ytd only) | -4.3644% | 6,199 |
| Net charge-offs to loans | 1.0885% | 1,672 |
| Credit loss provision to net charge-offs | 130.1775% | 3,573 |
| Earnings coverage of net charge-offs (x) | 1.5330% | 4,389 |
| Efficiency ratio | 67.4007% | 5,272 |
| Assets per employee ($millions) | 4.0489% | 3,593 |
| Cash dividends to net income (ytd only)* | 280.0429% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2147% | 4,836 |
| Loan loss allowance to noncurrent loans | 30.1353% | 6,464 |
| Noncurrent assets plus other real estate owned to assets | 4.3369% | 1,328 |
| Noncurrent loans to loans | 4.0310% | 1,677 |
| Net loans and leases to total assets | 77.8254% | 1,788 |
| Net loans and leases to deposits | 92.9071% | 2,290 |
| Net loans and leases to core deposits | 132.4863% | 1,403 |
| Total domestic deposits to total assets | 83.7669% | 3,888 |
| Equity capital to assets | 8.2172% | 6,468 |
| Core capital (leverage) ratio | 7.9430% | 6,430 |
| Tier 1 risk-based capital ratio | 9.6398% | 7,284 |
| Total risk-based capital ratio | 10.8067% | 7,301 |
| Memoranda: | ||
| Average total assets | $476,490,330 | 1,493 |
| Average earning assets | $443,717,330 | 1,457 |
| Average equity | $38,447,670 | 1,771 |
| Average total loans | $372,623,670 | 1,327 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1312% | 1,829 |
| Cost of funding earning assets | 2.6940% | 1,292 |
| Net interest margin | 3.4373% | 4,982 |
| Noninterest income to average assets | 0.7344% | 2,687 |
| Noninterest expense to average assets | 2.5815% | 5,528 |
| Loan and lease loss provision to assets | 0.4305% | 2,774 |
| Net operating income to assets | 0.9227% | 2,606 |
| Return on assets (ROA) | 0.9227% | 2,744 |
| Pretax return on assets | 0.9235% | 3,627 |
| Return on Equity (ROE) | 11.5431% | 1,798 |
| Retained earnings to average equity (ytd only) | 2.0699% | 4,711 |
| Net charge-offs to loans | 0.7033% | 1,780 |
| Credit loss provision to net charge-offs | 78.5824% | 4,212 |
| Earnings coverage of net charge-offs (x) | 2.4715% | 3,509 |
| Efficiency ratio | 65.5942% | 5,406 |
| Assets per employee ($millions) | 3.9904% | 3,676 |
| Cash dividends to net income (ytd only)* | 82.0677% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0403% | 5,864 |
| Loan loss allowance to noncurrent loans | 43.9786% | 5,590 |
| Noncurrent assets plus other real estate owned to assets | 2.9680% | 1,903 |
| Noncurrent loans to loans | 2.3655% | 2,783 |
| Net loans and leases to total assets | 76.6794% | 2,116 |
| Net loans and leases to deposits | 92.2284% | 2,556 |
| Net loans and leases to core deposits | 130.3146% | 1,640 |
| Total domestic deposits to total assets | 83.1408% | 4,074 |
| Equity capital to assets | 8.0982% | 6,676 |
| Core capital (leverage) ratio | 7.8118% | 6,731 |
| Tier 1 risk-based capital ratio | 9.5556% | 7,381 |
| Total risk-based capital ratio | 10.5490% | 7,564 |
| Memoranda: | ||
| Average total assets | $473,827,000 | 1,513 |
| Average earning assets | $441,281,500 | 1,471 |
| Average equity | $37,875,500 | 1,802 |
| Average total loans | $369,142,000 | 1,367 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4152% | 3,333 |
| Cost of funding earning assets | 3.1402% | 1,383 |
| Net interest margin | 3.2751% | 6,121 |
| Noninterest income to average assets | 0.8369% | 2,311 |
| Noninterest expense to average assets | 2.7576% | 5,018 |
| Loan and lease loss provision to assets | 0.3073% | 3,914 |
| Net operating income to assets | 0.8206% | 3,346 |
| Return on assets (ROA) | 0.8194% | 3,192 |
| Pretax return on assets | 0.8206% | 3,992 |
| Return on Equity (ROE) | 10.6413% | 2,031 |
| Retained earnings to average equity (ytd only) | 4.7657% | 2,172 |
| Net charge-offs to loans | 0.3228% | 3,240 |
| Credit loss provision to net charge-offs | 123.2014% | 4,358 |
| Earnings coverage of net charge-offs (x) | 4.5261% | 3,949 |
| Efficiency ratio | 70.9512% | 4,145 |
| Assets per employee ($millions) | 3.9067% | 3,714 |
| Cash dividends to net income (ytd only)* | 55.2149% | 2,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0889% | 5,356 |
| Loan loss allowance to noncurrent loans | 36.6914% | 6,278 |
| Noncurrent assets plus other real estate owned to assets | 3.3813% | 1,329 |
| Noncurrent loans to loans | 2.9678% | 1,810 |
| Net loans and leases to total assets | 77.4835% | 2,269 |
| Net loans and leases to deposits | 94.7750% | 2,651 |
| Net loans and leases to core deposits | 132.9590% | 1,654 |
| Total domestic deposits to total assets | 81.7552% | 4,295 |
| Equity capital to assets | 7.8866% | 6,985 |
| Core capital (leverage) ratio | 7.8186% | 6,775 |
| Tier 1 risk-based capital ratio | 9.3827% | 7,429 |
| Total risk-based capital ratio | 10.4270% | 7,600 |
| Memoranda: | ||
| Average total assets | $445,789,000 | 1,541 |
| Average earning assets | $415,107,000 | 1,508 |
| Average equity | $34,328,600 | 1,977 |
| Average total loans | $344,435,800 | 1,410 |