Home > The Juniata Valley Bank > Performance and Condition Ratios
The Juniata Valley Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6350% | 3,710 |
| Cost of funding earning assets | 1.7005% | 2,733 |
| Net interest margin | 2.9344% | 3,507 |
| Noninterest income to average assets | 0.6500% | 1,175 |
| Noninterest expense to average assets | 2.1900% | 3,127 |
| Loan and lease loss provision to assets | 0.0500% | 1,971 |
| Net operating income to assets | 0.9620% | 2,385 |
| Return on assets (ROA) | 0.9648% | 2,374 |
| Pretax return on assets | 1.1453% | 2,374 |
| Return on Equity (ROE) | 17.1500% | 738 |
| Retained earnings to average equity (ytd only) | 7.9496% | 1,695 |
| Net charge-offs to loans | 0.0067% | 1,997 |
| Credit loss provision to net charge-offs | 1,155.5556% | 319 |
| Earnings coverage of net charge-offs (x) | 281.4444% | 323 |
| Efficiency ratio | 64.7754% | 2,384 |
| Assets per employee ($millions) | 6.5127% | 2,542 |
| Cash dividends to net income (ytd only)* | 53.6550% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1648% | 2,382 |
| Loan loss allowance to noncurrent loans | 998.0922% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.0737% | 3,168 |
| Noncurrent loans to loans | 0.1167% | 3,084 |
| Net loans and leases to total assets | 62.4400% | 2,653 |
| Net loans and leases to deposits | 71.1396% | 2,788 |
| Net loans and leases to core deposits | 75.1912% | 3,011 |
| Total domestic deposits to total assets | 87.7700% | 1,627 |
| Equity capital to assets | 5.7721% | 4,284 |
| Core capital (leverage) ratio | 8.4296% | 4,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0194% | 2,199 |
| Memoranda: | ||
| Average total assets | $850,759,000 | 1,178 |
| Average earning assets | $792,929,500 | 1,170 |
| Average equity | $47,851,500 | 1,814 |
| Average total loans | $536,420,000 | 1,251 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6316% | 3,698 |
| Cost of funding earning assets | 1.7726% | 2,789 |
| Net interest margin | 2.8590% | 3,384 |
| Noninterest income to average assets | 0.6600% | 1,305 |
| Noninterest expense to average assets | 2.4216% | 2,525 |
| Loan and lease loss provision to assets | 0.0600% | 2,000 |
| Net operating income to assets | 0.7236% | 2,904 |
| Return on assets (ROA) | 0.7301% | 2,907 |
| Pretax return on assets | 0.8463% | 2,948 |
| Return on Equity (ROE) | 14.5100% | 1,027 |
| Retained earnings to average equity (ytd only) | 4.3509% | 2,493 |
| Net charge-offs to loans | 0.0052% | 2,749 |
| Credit loss provision to net charge-offs | 1,907.1429% | 245 |
| Earnings coverage of net charge-offs (x) | 276.8571% | 398 |
| Efficiency ratio | 72.8875% | 1,674 |
| Assets per employee ($millions) | 6.5258% | 2,490 |
| Cash dividends to net income (ytd only)* | 70.0143% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1581% | 2,382 |
| Loan loss allowance to noncurrent loans | 1,005.3659% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.0725% | 3,165 |
| Noncurrent loans to loans | 0.1152% | 3,063 |
| Net loans and leases to total assets | 62.2000% | 2,745 |
| Net loans and leases to deposits | 70.5427% | 2,909 |
| Net loans and leases to core deposits | 74.7396% | 3,110 |
| Total domestic deposits to total assets | 88.1800% | 1,443 |
| Equity capital to assets | 5.4762% | 4,285 |
| Core capital (leverage) ratio | 8.2627% | 4,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7788% | 2,296 |
| Memoranda: | ||
| Average total assets | $860,599,000 | 1,148 |
| Average earning assets | $800,347,200 | 1,143 |
| Average equity | $43,301,000 | 1,876 |
| Average total loans | $535,128,400 | 1,241 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6068% | 3,688 |
| Cost of funding earning assets | 1.7695% | 2,795 |
| Net interest margin | 2.8373% | 3,393 |
| Noninterest income to average assets | 0.6400% | 1,336 |
| Noninterest expense to average assets | 2.3475% | 2,663 |
| Loan and lease loss provision to assets | 0.0700% | 1,666 |
| Net operating income to assets | 0.7376% | 2,877 |
| Return on assets (ROA) | 0.7441% | 2,871 |
| Pretax return on assets | 0.8664% | 2,886 |
| Return on Equity (ROE) | 15.1200% | 934 |
| Retained earnings to average equity (ytd only) | 4.7703% | 2,554 |
| Net charge-offs to loans | 0.0060% | 2,449 |
| Credit loss provision to net charge-offs | 1,962.5000% | 241 |
| Earnings coverage of net charge-offs (x) | 251.4167% | 443 |
| Efficiency ratio | 71.5913% | 1,838 |
| Assets per employee ($millions) | 6.2108% | 2,712 |
| Cash dividends to net income (ytd only)* | 68.4440% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1378% | 2,553 |
| Loan loss allowance to noncurrent loans | 900.5882% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.0793% | 3,156 |
| Noncurrent loans to loans | 0.1263% | 3,048 |
| Net loans and leases to total assets | 62.0800% | 2,728 |
| Net loans and leases to deposits | 70.6675% | 2,934 |
| Net loans and leases to core deposits | 74.5106% | 3,155 |
| Total domestic deposits to total assets | 87.8600% | 1,289 |
| Equity capital to assets | 5.3169% | 4,430 |
| Core capital (leverage) ratio | 8.1687% | 4,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7722% | 2,324 |
| Memoranda: | ||
| Average total assets | $863,659,750 | 1,139 |
| Average earning assets | $802,901,750 | 1,134 |
| Average equity | $42,511,750 | 1,907 |
| Average total loans | $535,443,250 | 1,228 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5481% | 3,705 |
| Cost of funding earning assets | 1.7395% | 2,774 |
| Net interest margin | 2.8086% | 3,402 |
| Noninterest income to average assets | 0.6400% | 1,304 |
| Noninterest expense to average assets | 2.3461% | 2,663 |
| Loan and lease loss provision to assets | 0.0500% | 1,906 |
| Net operating income to assets | 0.7303% | 2,855 |
| Return on assets (ROA) | 0.7338% | 2,854 |
| Pretax return on assets | 0.8542% | 2,863 |
| Return on Equity (ROE) | 15.3100% | 941 |
| Retained earnings to average equity (ytd only) | 4.7190% | 2,442 |
| Net charge-offs to loans | 0.0064% | 2,185 |
| Credit loss provision to net charge-offs | 1,400.0000% | 311 |
| Earnings coverage of net charge-offs (x) | 230.4706% | 450 |
| Efficiency ratio | 72.1634% | 1,843 |
| Assets per employee ($millions) | 6.1558% | 2,671 |
| Cash dividends to net income (ytd only)* | 69.1848% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0894% | 2,853 |
| Loan loss allowance to noncurrent loans | 1,387.7647% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.0493% | 3,337 |
| Noncurrent loans to loans | 0.0785% | 3,272 |
| Net loans and leases to total assets | 62.1400% | 2,749 |
| Net loans and leases to deposits | 71.8543% | 2,846 |
| Net loans and leases to core deposits | 75.4822% | 3,069 |
| Total domestic deposits to total assets | 86.4800% | 1,818 |
| Equity capital to assets | 4.9151% | 4,382 |
| Core capital (leverage) ratio | 8.0503% | 4,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5648% | 2,402 |
| Memoranda: | ||
| Average total assets | $865,848,333 | 1,140 |
| Average earning assets | $804,465,000 | 1,133 |
| Average equity | $41,492,000 | 1,910 |
| Average total loans | $534,507,667 | 1,235 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4698% | 3,722 |
| Cost of funding earning assets | 1.7212% | 2,716 |
| Net interest margin | 2.7486% | 3,470 |
| Noninterest income to average assets | 0.6000% | 1,364 |
| Noninterest expense to average assets | 2.3663% | 2,604 |
| Loan and lease loss provision to assets | 0.0600% | 1,561 |
| Net operating income to assets | 0.6365% | 3,054 |
| Return on assets (ROA) | 0.6397% | 3,063 |
| Pretax return on assets | 0.7365% | 3,069 |
| Return on Equity (ROE) | 13.5200% | 1,233 |
| Retained earnings to average equity (ytd only) | 2.8252% | 3,021 |
| Net charge-offs to loans | 0.0038% | 2,009 |
| Credit loss provision to net charge-offs | 2,400.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 342.0000% | 272 |
| Efficiency ratio | 75.0146% | 1,641 |
| Assets per employee ($millions) | 6.0057% | 2,837 |
| Cash dividends to net income (ytd only)* | 79.1066% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0792% | 2,917 |
| Loan loss allowance to noncurrent loans | 2,344.9393% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.0286% | 3,531 |
| Noncurrent loans to loans | 0.0460% | 3,433 |
| Net loans and leases to total assets | 61.3900% | 2,724 |
| Net loans and leases to deposits | 71.8861% | 2,752 |
| Net loans and leases to core deposits | 75.1002% | 3,037 |
| Total domestic deposits to total assets | 85.4000% | 2,285 |
| Equity capital to assets | 4.8275% | 4,392 |
| Core capital (leverage) ratio | 8.1225% | 4,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6660% | 2,352 |
| Memoranda: | ||
| Average total assets | $867,869,500 | 1,140 |
| Average earning assets | $805,491,000 | 1,134 |
| Average equity | $41,058,500 | 1,918 |
| Average total loans | $531,055,000 | 1,238 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2538% | 3,515 |
| Cost of funding earning assets | 1.3465% | 2,371 |
| Net interest margin | 2.9073% | 3,467 |
| Noninterest income to average assets | 0.6300% | 1,422 |
| Noninterest expense to average assets | 2.3375% | 2,750 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.7850% | 2,915 |
| Return on assets (ROA) | 0.7861% | 2,896 |
| Pretax return on assets | 0.9034% | 2,957 |
| Return on Equity (ROE) | 17.9100% | 831 |
| Retained earnings to average equity (ytd only) | 6.0665% | 2,214 |
| Net charge-offs to loans | -0.0077% | 3,949 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 70.8645% | 1,775 |
| Assets per employee ($millions) | 6.3110% | 2,548 |
| Cash dividends to net income (ytd only)* | 66.1264% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0805% | 2,933 |
| Loan loss allowance to noncurrent loans | 114.6405% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 0.5686% | 982 |
| Noncurrent loans to loans | 0.9425% | 791 |
| Net loans and leases to total assets | 59.6700% | 2,875 |
| Net loans and leases to deposits | 69.3701% | 2,927 |
| Net loans and leases to core deposits | 72.4816% | 3,159 |
| Total domestic deposits to total assets | 86.0200% | 2,007 |
| Equity capital to assets | 4.6351% | 4,452 |
| Core capital (leverage) ratio | 8.1713% | 4,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6828% | 2,345 |
| Memoranda: | ||
| Average total assets | $847,602,800 | 1,137 |
| Average earning assets | $778,965,200 | 1,134 |
| Average equity | $37,204,200 | 1,970 |
| Average total loans | $503,543,800 | 1,227 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2139% | 3,443 |
| Cost of funding earning assets | 1.2622% | 2,250 |
| Net interest margin | 2.9516% | 3,429 |
| Noninterest income to average assets | 0.6200% | 1,445 |
| Noninterest expense to average assets | 2.3526% | 2,647 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.7912% | 3,046 |
| Return on assets (ROA) | 0.7956% | 3,032 |
| Pretax return on assets | 0.9127% | 3,073 |
| Return on Equity (ROE) | 18.3900% | 894 |
| Retained earnings to average equity (ytd only) | 6.2796% | 2,544 |
| Net charge-offs to loans | -0.0099% | 3,932 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 70.7488% | 1,703 |
| Assets per employee ($millions) | 6.1562% | 2,614 |
| Cash dividends to net income (ytd only)* | 65.8571% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0865% | 2,927 |
| Loan loss allowance to noncurrent loans | 7,254.5455% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.0135% | 3,706 |
| Noncurrent loans to loans | 0.0150% | 3,686 |
| Net loans and leases to total assets | 59.0100% | 2,940 |
| Net loans and leases to deposits | 67.1248% | 3,048 |
| Net loans and leases to core deposits | 70.0656% | 3,207 |
| Total domestic deposits to total assets | 87.9000% | 1,611 |
| Equity capital to assets | 4.3097% | 4,367 |
| Core capital (leverage) ratio | 8.2008% | 4,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0682% | 2,247 |
| Memoranda: | ||
| Average total assets | $841,773,000 | 1,142 |
| Average earning assets | $772,160,500 | 1,142 |
| Average equity | $36,413,250 | 1,989 |
| Average total loans | $498,081,250 | 1,235 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1276% | 3,435 |
| Cost of funding earning assets | 1.1604% | 2,107 |
| Net interest margin | 2.9673% | 3,517 |
| Noninterest income to average assets | 0.6300% | 1,337 |
| Noninterest expense to average assets | 2.4244% | 2,420 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.7737% | 3,159 |
| Return on assets (ROA) | 0.7676% | 3,185 |
| Pretax return on assets | 0.8682% | 3,241 |
| Return on Equity (ROE) | 17.7200% | 986 |
| Retained earnings to average equity (ytd only) | 5.5350% | 2,769 |
| Net charge-offs to loans | -0.0057% | 3,745 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.9627% | 1,567 |
| Assets per employee ($millions) | 6.0760% | 2,650 |
| Cash dividends to net income (ytd only)* | 68.7676% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0772% | 3,052 |
| Loan loss allowance to noncurrent loans | 4,031.1111% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 3,679 |
| Noncurrent loans to loans | 0.0267% | 3,566 |
| Net loans and leases to total assets | 59.1700% | 2,852 |
| Net loans and leases to deposits | 67.5248% | 2,945 |
| Net loans and leases to core deposits | 70.1968% | 3,117 |
| Total domestic deposits to total assets | 87.6300% | 1,733 |
| Equity capital to assets | 4.2606% | 4,478 |
| Core capital (leverage) ratio | 8.2013% | 4,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1604% | 2,229 |
| Memoranda: | ||
| Average total assets | $835,077,000 | 1,143 |
| Average earning assets | $769,591,667 | 1,144 |
| Average equity | $36,169,667 | 2,010 |
| Average total loans | $492,731,000 | 1,230 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0516% | 3,356 |
| Cost of funding earning assets | 1.0375% | 1,924 |
| Net interest margin | 3.0141% | 3,563 |
| Noninterest income to average assets | 0.5900% | 1,458 |
| Noninterest expense to average assets | 2.2796% | 2,872 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 0.8492% | 3,026 |
| Return on assets (ROA) | 0.8421% | 3,004 |
| Pretax return on assets | 0.9635% | 3,095 |
| Return on Equity (ROE) | 19.2800% | 843 |
| Retained earnings to average equity (ytd only) | 7.1368% | 2,457 |
| Net charge-offs to loans | 0.0058% | 1,751 |
| Credit loss provision to net charge-offs | 3,471.4286% | 131 |
| Earnings coverage of net charge-offs (x) | 322.8571% | 349 |
| Efficiency ratio | 67.6773% | 2,012 |
| Assets per employee ($millions) | 5.9764% | 2,781 |
| Cash dividends to net income (ytd only)* | 62.9863% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1001% | 3,053 |
| Loan loss allowance to noncurrent loans | 10,537.2549% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 3,826 |
| Noncurrent loans to loans | 0.0104% | 3,748 |
| Net loans and leases to total assets | 58.1600% | 2,858 |
| Net loans and leases to deposits | 66.7002% | 2,874 |
| Net loans and leases to core deposits | 69.0126% | 3,020 |
| Total domestic deposits to total assets | 87.1900% | 2,194 |
| Equity capital to assets | 4.4016% | 4,509 |
| Core capital (leverage) ratio | 8.3408% | 4,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2056% | 2,303 |
| Memoranda: | ||
| Average total assets | $830,336,000 | 1,166 |
| Average earning assets | $764,939,500 | 1,166 |
| Average equity | $36,263,000 | 2,033 |
| Average total loans | $486,504,500 | 1,257 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6492% | 2,657 |
| Cost of funding earning assets | 0.4539% | 1,692 |
| Net interest margin | 3.1953% | 2,875 |
| Noninterest income to average assets | 0.8300% | 937 |
| Noninterest expense to average assets | 2.4314% | 2,332 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.2014% | 1,762 |
| Return on assets (ROA) | 1.0327% | 2,383 |
| Pretax return on assets | 1.1156% | 2,718 |
| Return on Equity (ROE) | 17.4600% | 787 |
| Retained earnings to average equity (ytd only) | 8.3350% | 1,707 |
| Net charge-offs to loans | -0.0144% | 3,942 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.2529% | 2,462 |
| Assets per employee ($millions) | 5.0606% | 3,626 |
| Cash dividends to net income (ytd only)* | 52.2498% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8311% | 3,958 |
| Loan loss allowance to noncurrent loans | 2,262.3596% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.0214% | 3,629 |
| Noncurrent loans to loans | 0.0367% | 3,515 |
| Net loans and leases to total assets | 57.8900% | 2,831 |
| Net loans and leases to deposits | 67.5245% | 2,766 |
| Net loans and leases to core deposits | 68.7308% | 2,959 |
| Total domestic deposits to total assets | 85.7400% | 2,795 |
| Equity capital to assets | 4.3329% | 4,480 |
| Core capital (leverage) ratio | 8.4792% | 4,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0081% | 2,376 |
| Memoranda: | ||
| Average total assets | $815,608,600 | 1,165 |
| Average earning assets | $753,925,400 | 1,167 |
| Average equity | $48,254,200 | 1,665 |
| Average total loans | $443,779,800 | 1,285 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5662% | 2,432 |
| Cost of funding earning assets | 0.3824% | 1,422 |
| Net interest margin | 3.1838% | 2,674 |
| Noninterest income to average assets | 0.9100% | 806 |
| Noninterest expense to average assets | 2.4256% | 2,240 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.2665% | 1,466 |
| Return on assets (ROA) | 1.0402% | 2,286 |
| Pretax return on assets | 1.1259% | 2,640 |
| Return on Equity (ROE) | 16.4600% | 899 |
| Retained earnings to average equity (ytd only) | 7.8838% | 2,045 |
| Net charge-offs to loans | -0.0145% | 3,861 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.9227% | 2,699 |
| Assets per employee ($millions) | 5.7757% | 2,956 |
| Cash dividends to net income (ytd only)* | 52.0916% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8445% | 4,002 |
| Loan loss allowance to noncurrent loans | 2,603.3333% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.0221% | 3,726 |
| Noncurrent loans to loans | 0.0324% | 3,662 |
| Net loans and leases to total assets | 56.3000% | 2,872 |
| Net loans and leases to deposits | 63.8683% | 2,876 |
| Net loans and leases to core deposits | 64.9239% | 3,037 |
| Total domestic deposits to total assets | 88.1600% | 2,379 |
| Equity capital to assets | 4.1665% | 4,458 |
| Core capital (leverage) ratio | 8.0475% | 4,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5433% | 2,242 |
| Memoranda: | ||
| Average total assets | $812,024,250 | 1,179 |
| Average earning assets | $751,333,250 | 1,175 |
| Average equity | $51,327,500 | 1,609 |
| Average total loans | $433,596,750 | 1,295 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5194% | 2,075 |
| Cost of funding earning assets | 0.3416% | 1,351 |
| Net interest margin | 3.1778% | 2,259 |
| Noninterest income to average assets | 0.9418% | 769 |
| Noninterest expense to average assets | 2.4259% | 2,154 |
| Loan and lease loss provision to assets | 0.0616% | 1,487 |
| Net operating income to assets | 1.2751% | 1,207 |
| Return on assets (ROA) | 1.0236% | 2,042 |
| Pretax return on assets | 1.1230% | 2,331 |
| Return on Equity (ROE) | 14.5362% | 989 |
| Retained earnings to average equity (ytd only) | 6.8375% | 2,038 |
| Net charge-offs to loans | -0.0255% | 3,986 |
| Credit loss provision to net charge-offs | -462.9630% | 3,366 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4128% | 2,994 |
| Assets per employee ($millions) | 5.7925% | 2,932 |
| Cash dividends to net income (ytd only)* | 52.9624% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8645% | 4,052 |
| Loan loss allowance to noncurrent loans | 3,204.2017% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.0146% | 3,876 |
| Noncurrent loans to loans | 0.0270% | 3,756 |
| Net loans and leases to total assets | 53.5382% | 3,009 |
| Net loans and leases to deposits | 60.7343% | 2,999 |
| Net loans and leases to core deposits | 61.8628% | 3,129 |
| Total domestic deposits to total assets | 88.1515% | 2,516 |
| Equity capital to assets | 5.5574% | 4,345 |
| Core capital (leverage) ratio | 8.0056% | 4,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9893% | 2,503 |
| Memoranda: | ||
| Average total assets | $811,239,333 | 1,182 |
| Average earning assets | $751,831,000 | 1,185 |
| Average equity | $57,126,333 | 1,500 |
| Average total loans | $423,985,667 | 1,315 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4773% | 1,877 |
| Cost of funding earning assets | 0.3158% | 1,503 |
| Net interest margin | 3.1615% | 1,989 |
| Noninterest income to average assets | 0.6461% | 1,509 |
| Noninterest expense to average assets | 2.3961% | 2,181 |
| Loan and lease loss provision to assets | 0.0139% | 2,098 |
| Net operating income to assets | 1.0658% | 1,634 |
| Return on assets (ROA) | 1.0573% | 1,655 |
| Pretax return on assets | 1.1637% | 1,938 |
| Return on Equity (ROE) | 13.5693% | 917 |
| Retained earnings to average equity (ytd only) | 6.5846% | 2,038 |
| Net charge-offs to loans | -0.0385% | 4,174 |
| Credit loss provision to net charge-offs | -70.0000% | 2,849 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8738% | 2,655 |
| Assets per employee ($millions) | 5.8087% | 2,992 |
| Cash dividends to net income (ytd only)* | 51.4740% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8668% | 4,119 |
| Loan loss allowance to noncurrent loans | 2,750.7692% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.0161% | 3,900 |
| Noncurrent loans to loans | 0.0315% | 3,760 |
| Net loans and leases to total assets | 50.6554% | 3,110 |
| Net loans and leases to deposits | 56.7314% | 3,193 |
| Net loans and leases to core deposits | 60.2940% | 3,114 |
| Total domestic deposits to total assets | 89.2898% | 1,930 |
| Equity capital to assets | 6.9015% | 4,257 |
| Core capital (leverage) ratio | 8.1311% | 4,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2404% | 2,511 |
| Memoranda: | ||
| Average total assets | $808,490,500 | 1,184 |
| Average earning assets | $751,047,500 | 1,188 |
| Average equity | $62,995,000 | 1,431 |
| Average total loans | $415,439,000 | 1,328 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2362% | 3,385 |
| Cost of funding earning assets | 0.4249% | 1,360 |
| Net interest margin | 2.8113% | 3,635 |
| Noninterest income to average assets | 0.6201% | 2,073 |
| Noninterest expense to average assets | 2.4891% | 2,211 |
| Loan and lease loss provision to assets | -0.0945% | 4,517 |
| Net operating income to assets | 0.8050% | 3,320 |
| Return on assets (ROA) | 0.8140% | 3,360 |
| Pretax return on assets | 0.8521% | 3,621 |
| Return on Equity (ROE) | 9.1582% | 2,853 |
| Retained earnings to average equity (ytd only) | 3.0702% | 3,603 |
| Net charge-offs to loans | -0.0431% | 4,257 |
| Credit loss provision to net charge-offs | 420.2186% | 889 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8880% | 1,038 |
| Assets per employee ($millions) | 5.9092% | 2,853 |
| Cash dividends to net income (ytd only)* | 66.4754% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8386% | 4,201 |
| Loan loss allowance to noncurrent loans | 1,552.2124% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.0387% | 3,739 |
| Noncurrent loans to loans | 0.0540% | 3,693 |
| Net loans and leases to total assets | 51.2367% | 3,148 |
| Net loans and leases to deposits | 58.5429% | 3,201 |
| Net loans and leases to core deposits | 62.3300% | 3,132 |
| Total domestic deposits to total assets | 87.5200% | 2,276 |
| Equity capital to assets | 8.6795% | 3,908 |
| Core capital (leverage) ratio | 7.9841% | 4,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9865% | 2,637 |
| Memoranda: | ||
| Average total assets | $813,547,000 | 1,145 |
| Average earning assets | $757,362,200 | 1,140 |
| Average equity | $72,307,000 | 1,314 |
| Average total loans | $424,184,800 | 1,316 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1691% | 3,662 |
| Cost of funding earning assets | 0.4407% | 1,414 |
| Net interest margin | 2.7284% | 3,916 |
| Noninterest income to average assets | 0.6112% | 2,168 |
| Noninterest expense to average assets | 2.3376% | 2,638 |
| Loan and lease loss provision to assets | -0.0878% | 4,576 |
| Net operating income to assets | 0.8509% | 3,384 |
| Return on assets (ROA) | 0.8649% | 3,407 |
| Pretax return on assets | 0.9155% | 3,661 |
| Return on Equity (ROE) | 9.6751% | 2,853 |
| Retained earnings to average equity (ytd only) | 3.6236% | 3,705 |
| Net charge-offs to loans | -0.0523% | 4,380 |
| Credit loss provision to net charge-offs | 320.9581% | 973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1986% | 1,199 |
| Assets per employee ($millions) | 5.7777% | 2,916 |
| Cash dividends to net income (ytd only)* | 62.5473% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9046% | 4,139 |
| Loan loss allowance to noncurrent loans | 1,092.3754% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.0546% | 3,767 |
| Noncurrent loans to loans | 0.0828% | 3,672 |
| Net loans and leases to total assets | 49.3869% | 3,481 |
| Net loans and leases to deposits | 57.6435% | 3,437 |
| Net loans and leases to core deposits | 60.5688% | 3,437 |
| Total domestic deposits to total assets | 85.6765% | 2,882 |
| Equity capital to assets | 8.7006% | 4,069 |
| Core capital (leverage) ratio | 7.8433% | 4,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2042% | 2,645 |
| Memoranda: | ||
| Average total assets | $814,542,250 | 1,146 |
| Average earning assets | $758,089,250 | 1,150 |
| Average equity | $72,817,250 | 1,323 |
| Average total loans | $425,655,250 | 1,336 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1369% | 3,790 |
| Cost of funding earning assets | 0.4551% | 1,487 |
| Net interest margin | 2.6818% | 4,017 |
| Noninterest income to average assets | 0.6079% | 2,181 |
| Noninterest expense to average assets | 2.3149% | 2,722 |
| Loan and lease loss provision to assets | -0.0688% | 4,559 |
| Net operating income to assets | 0.8163% | 3,458 |
| Return on assets (ROA) | 0.8381% | 3,475 |
| Pretax return on assets | 0.8798% | 3,701 |
| Return on Equity (ROE) | 9.2906% | 3,014 |
| Retained earnings to average equity (ytd only) | 3.2600% | 3,760 |
| Net charge-offs to loans | -0.0423% | 4,293 |
| Credit loss provision to net charge-offs | 306.5934% | 874 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6044% | 1,196 |
| Assets per employee ($millions) | 5.7970% | 2,812 |
| Cash dividends to net income (ytd only)* | 64.9102% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9059% | 4,141 |
| Loan loss allowance to noncurrent loans | 908.3721% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.0647% | 3,789 |
| Noncurrent loans to loans | 0.0997% | 3,687 |
| Net loans and leases to total assets | 51.1860% | 3,431 |
| Net loans and leases to deposits | 60.2901% | 3,370 |
| Net loans and leases to core deposits | 63.2786% | 3,357 |
| Total domestic deposits to total assets | 84.8996% | 3,138 |
| Equity capital to assets | 8.6901% | 4,057 |
| Core capital (leverage) ratio | 7.8634% | 4,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0744% | 2,694 |
| Memoranda: | ||
| Average total assets | $810,653,333 | 1,141 |
| Average earning assets | $754,194,667 | 1,148 |
| Average equity | $73,128,000 | 1,314 |
| Average total loans | $430,285,667 | 1,329 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1378% | 3,809 |
| Cost of funding earning assets | 0.4754% | 1,554 |
| Net interest margin | 2.6623% | 4,033 |
| Noninterest income to average assets | 0.6131% | 2,156 |
| Noninterest expense to average assets | 2.3035% | 2,773 |
| Loan and lease loss provision to assets | -0.0396% | 4,632 |
| Net operating income to assets | 0.7906% | 3,454 |
| Return on assets (ROA) | 0.8084% | 3,469 |
| Pretax return on assets | 0.8415% | 3,738 |
| Return on Equity (ROE) | 8.7931% | 3,108 |
| Retained earnings to average equity (ytd only) | 2.7894% | 3,841 |
| Net charge-offs to loans | -0.0382% | 4,284 |
| Credit loss provision to net charge-offs | 192.6829% | 901 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6227% | 1,256 |
| Assets per employee ($millions) | 5.7462% | 2,859 |
| Cash dividends to net income (ytd only)* | 68.2776% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9281% | 4,079 |
| Loan loss allowance to noncurrent loans | 949.8829% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.0668% | 3,900 |
| Noncurrent loans to loans | 0.0977% | 3,817 |
| Net loans and leases to total assets | 53.8180% | 3,262 |
| Net loans and leases to deposits | 64.6586% | 3,066 |
| Net loans and leases to core deposits | 65.9828% | 3,241 |
| Total domestic deposits to total assets | 83.2340% | 3,632 |
| Equity capital to assets | 8.8755% | 3,812 |
| Core capital (leverage) ratio | 8.2819% | 4,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $798,597,500 | 1,147 |
| Average earning assets | $742,057,000 | 1,152 |
| Average equity | $73,421,000 | 1,303 |
| Average total loans | $429,834,000 | 1,337 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5705% | 3,874 |
| Cost of funding earning assets | 0.5947% | 2,355 |
| Net interest margin | 2.9758% | 3,947 |
| Noninterest income to average assets | 0.6146% | 2,164 |
| Noninterest expense to average assets | 2.6014% | 2,544 |
| Loan and lease loss provision to assets | 0.0981% | 3,109 |
| Net operating income to assets | 0.6646% | 3,540 |
| Return on assets (ROA) | 0.7753% | 3,312 |
| Pretax return on assets | 0.7730% | 3,697 |
| Return on Equity (ROE) | 7.5989% | 2,964 |
| Retained earnings to average equity (ytd only) | 1.6461% | 3,976 |
| Net charge-offs to loans | -0.1003% | 4,815 |
| Credit loss provision to net charge-offs | -175.0000% | 3,787 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3818% | 1,095 |
| Assets per employee ($millions) | 5.4670% | 2,874 |
| Cash dividends to net income (ytd only)* | 78.3371% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9686% | 3,979 |
| Loan loss allowance to noncurrent loans | 763.8060% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.0676% | 4,007 |
| Noncurrent loans to loans | 0.1268% | 3,777 |
| Net loans and leases to total assets | 52.8012% | 3,598 |
| Net loans and leases to deposits | 67.1845% | 3,163 |
| Net loans and leases to core deposits | 68.6135% | 3,365 |
| Total domestic deposits to total assets | 78.5914% | 4,252 |
| Equity capital to assets | 9.5167% | 3,594 |
| Core capital (leverage) ratio | 8.5055% | 4,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $735,284,600 | 1,127 |
| Average earning assets | $678,814,200 | 1,133 |
| Average equity | $75,024,200 | 1,217 |
| Average total loans | $410,923,000 | 1,319 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6928% | 3,813 |
| Cost of funding earning assets | 0.6186% | 2,498 |
| Net interest margin | 3.0741% | 3,798 |
| Noninterest income to average assets | 0.6120% | 2,127 |
| Noninterest expense to average assets | 2.6547% | 2,378 |
| Loan and lease loss provision to assets | 0.1182% | 2,844 |
| Net operating income to assets | 0.6715% | 3,561 |
| Return on assets (ROA) | 0.8136% | 3,162 |
| Pretax return on assets | 0.8136% | 3,611 |
| Return on Equity (ROE) | 7.8286% | 2,869 |
| Retained earnings to average equity (ytd only) | 1.8508% | 3,983 |
| Net charge-offs to loans | -0.1059% | 4,831 |
| Credit loss provision to net charge-offs | -197.2222% | 3,644 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0726% | 1,117 |
| Assets per employee ($millions) | 5.5296% | 2,682 |
| Cash dividends to net income (ytd only)* | 76.3583% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9326% | 3,967 |
| Loan loss allowance to noncurrent loans | 227.3465% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 0.2230% | 3,329 |
| Noncurrent loans to loans | 0.4102% | 2,826 |
| Net loans and leases to total assets | 53.8440% | 3,816 |
| Net loans and leases to deposits | 69.3978% | 3,361 |
| Net loans and leases to core deposits | 70.6598% | 3,578 |
| Total domestic deposits to total assets | 77.5875% | 4,253 |
| Equity capital to assets | 9.7651% | 3,465 |
| Core capital (leverage) ratio | 8.5233% | 4,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $720,925,250 | 1,132 |
| Average earning assets | $664,238,250 | 1,141 |
| Average equity | $74,920,000 | 1,211 |
| Average total loans | $407,988,500 | 1,323 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7709% | 3,944 |
| Cost of funding earning assets | 0.6492% | 2,702 |
| Net interest margin | 3.1217% | 3,859 |
| Noninterest income to average assets | 0.6047% | 2,110 |
| Noninterest expense to average assets | 2.6892% | 2,417 |
| Loan and lease loss provision to assets | 0.1570% | 2,427 |
| Net operating income to assets | 0.6473% | 3,591 |
| Return on assets (ROA) | 0.7898% | 3,187 |
| Pretax return on assets | 0.7719% | 3,668 |
| Return on Equity (ROE) | 7.4356% | 2,954 |
| Retained earnings to average equity (ytd only) | 1.4325% | 3,960 |
| Net charge-offs to loans | -0.0223% | 4,438 |
| Credit loss provision to net charge-offs | -1,226.6667% | 3,791 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3732% | 1,115 |
| Assets per employee ($millions) | 6.1399% | 2,066 |
| Cash dividends to net income (ytd only)* | 80.7346% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8459% | 4,202 |
| Loan loss allowance to noncurrent loans | 85.3237% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 0.5433% | 2,182 |
| Noncurrent loans to loans | 0.9915% | 1,566 |
| Net loans and leases to total assets | 54.3385% | 3,844 |
| Net loans and leases to deposits | 70.1000% | 3,410 |
| Net loans and leases to core deposits | 71.1849% | 3,635 |
| Total domestic deposits to total assets | 77.5157% | 4,252 |
| Equity capital to assets | 9.8522% | 3,325 |
| Core capital (leverage) ratio | 8.8722% | 4,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $703,185,667 | 1,137 |
| Average earning assets | $646,688,667 | 1,145 |
| Average equity | $74,694,667 | 1,208 |
| Average total loans | $403,733,333 | 1,312 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9863% | 3,828 |
| Cost of funding earning assets | 0.7350% | 2,755 |
| Net interest margin | 3.2513% | 3,725 |
| Noninterest income to average assets | 0.6789% | 1,736 |
| Noninterest expense to average assets | 2.8088% | 2,409 |
| Loan and lease loss provision to assets | 0.2122% | 1,443 |
| Net operating income to assets | 0.7129% | 3,232 |
| Return on assets (ROA) | 0.6807% | 3,402 |
| Pretax return on assets | 0.6026% | 3,914 |
| Return on Equity (ROE) | 6.1534% | 3,259 |
| Retained earnings to average equity (ytd only) | 0.1078% | 3,967 |
| Net charge-offs to loans | -0.0162% | 4,251 |
| Credit loss provision to net charge-offs | -2,225.0000% | 3,731 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8303% | 1,469 |
| Assets per employee ($millions) | 4.3966% | 3,412 |
| Cash dividends to net income (ytd only)* | 98.2487% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8546% | 4,266 |
| Loan loss allowance to noncurrent loans | 65.3529% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 0.7582% | 1,782 |
| Noncurrent loans to loans | 1.3076% | 1,248 |
| Net loans and leases to total assets | 57.4842% | 3,711 |
| Net loans and leases to deposits | 71.3411% | 3,496 |
| Net loans and leases to core deposits | 72.4450% | 3,735 |
| Total domestic deposits to total assets | 80.5766% | 3,750 |
| Equity capital to assets | 11.3156% | 2,579 |
| Core capital (leverage) ratio | 9.5945% | 3,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $671,037,500 | 1,155 |
| Average earning assets | $614,399,500 | 1,162 |
| Average equity | $74,235,000 | 1,213 |
| Average total loans | $395,302,000 | 1,303 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3285% | 3,461 |
| Cost of funding earning assets | 0.7971% | 2,700 |
| Net interest margin | 3.5314% | 3,343 |
| Noninterest income to average assets | 0.7660% | 1,561 |
| Noninterest expense to average assets | 3.1476% | 1,649 |
| Loan and lease loss provision to assets | -0.0882% | 5,063 |
| Net operating income to assets | 0.9157% | 3,144 |
| Return on assets (ROA) | 0.9119% | 3,239 |
| Pretax return on assets | 0.9153% | 3,692 |
| Return on Equity (ROE) | 8.4767% | 2,952 |
| Retained earnings to average equity (ytd only) | 2.0501% | 3,974 |
| Net charge-offs to loans | -0.1222% | 4,984 |
| Credit loss provision to net charge-offs | 114.6000% | 2,195 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1159% | 1,023 |
| Assets per employee ($millions) | 4.3468% | 3,441 |
| Cash dividends to net income (ytd only)* | 75.8149% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7392% | 4,485 |
| Loan loss allowance to noncurrent loans | 90.4675% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 0.4889% | 2,456 |
| Noncurrent loans to loans | 0.8170% | 1,872 |
| Net loans and leases to total assets | 59.4006% | 3,641 |
| Net loans and leases to deposits | 74.7399% | 3,285 |
| Net loans and leases to core deposits | 75.7253% | 3,591 |
| Total domestic deposits to total assets | 79.4765% | 4,080 |
| Equity capital to assets | 10.8086% | 3,173 |
| Core capital (leverage) ratio | 9.6040% | 3,958 |
| Tier 1 risk-based capital ratio | 15.1366% | 2,726 |
| Total risk-based capital ratio | 15.8491% | 2,867 |
| Memoranda: | ||
| Average total assets | $649,320,200 | 1,153 |
| Average earning assets | $590,667,200 | 1,174 |
| Average equity | $69,850,400 | 1,225 |
| Average total loans | $409,194,600 | 1,245 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3906% | 3,390 |
| Cost of funding earning assets | 0.7960% | 2,740 |
| Net interest margin | 3.5946% | 3,264 |
| Noninterest income to average assets | 0.7806% | 1,485 |
| Noninterest expense to average assets | 3.2175% | 1,430 |
| Loan and lease loss provision to assets | -0.1014% | 5,163 |
| Net operating income to assets | 0.9308% | 3,226 |
| Return on assets (ROA) | 0.9192% | 3,354 |
| Pretax return on assets | 0.9198% | 3,817 |
| Return on Equity (ROE) | 8.5555% | 3,080 |
| Retained earnings to average equity (ytd only) | 2.0724% | 4,245 |
| Net charge-offs to loans | -0.1663% | 5,087 |
| Credit loss provision to net charge-offs | 95.5166% | 2,338 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4928% | 966 |
| Assets per employee ($millions) | 4.3807% | 3,368 |
| Cash dividends to net income (ytd only)* | 75.7767% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7542% | 4,533 |
| Loan loss allowance to noncurrent loans | 78.7075% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 0.5833% | 2,257 |
| Noncurrent loans to loans | 0.9583% | 1,678 |
| Net loans and leases to total assets | 60.4117% | 3,640 |
| Net loans and leases to deposits | 74.8943% | 3,398 |
| Net loans and leases to core deposits | 75.9085% | 3,703 |
| Total domestic deposits to total assets | 80.6626% | 3,833 |
| Equity capital to assets | 10.8505% | 3,248 |
| Core capital (leverage) ratio | 9.5717% | 4,089 |
| Tier 1 risk-based capital ratio | 15.1334% | 2,791 |
| Total risk-based capital ratio | 15.8738% | 2,944 |
| Memoranda: | ||
| Average total assets | $644,299,750 | 1,156 |
| Average earning assets | $585,565,750 | 1,180 |
| Average equity | $69,224,750 | 1,229 |
| Average total loans | $411,345,750 | 1,251 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4593% | 3,151 |
| Cost of funding earning assets | 0.7663% | 2,818 |
| Net interest margin | 3.6931% | 2,952 |
| Noninterest income to average assets | 0.7330% | 1,586 |
| Noninterest expense to average assets | 3.1423% | 1,630 |
| Loan and lease loss provision to assets | -0.1394% | 5,229 |
| Net operating income to assets | 1.0558% | 2,698 |
| Return on assets (ROA) | 1.0384% | 2,844 |
| Pretax return on assets | 1.0679% | 3,329 |
| Return on Equity (ROE) | 9.6986% | 2,533 |
| Retained earnings to average equity (ytd only) | 3.1224% | 3,657 |
| Net charge-offs to loans | -0.2056% | 5,134 |
| Credit loss provision to net charge-offs | 104.4706% | 1,906 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8522% | 1,289 |
| Assets per employee ($millions) | 4.3473% | 3,373 |
| Cash dividends to net income (ytd only)* | 67.8053% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7400% | 4,626 |
| Loan loss allowance to noncurrent loans | 144.6043% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 0.4056% | 2,883 |
| Noncurrent loans to loans | 0.5117% | 2,744 |
| Net loans and leases to total assets | 61.2046% | 3,629 |
| Net loans and leases to deposits | 75.6521% | 3,368 |
| Net loans and leases to core deposits | 76.8564% | 3,657 |
| Total domestic deposits to total assets | 80.9027% | 3,845 |
| Equity capital to assets | 10.7474% | 3,308 |
| Core capital (leverage) ratio | 9.8846% | 3,721 |
| Tier 1 risk-based capital ratio | 15.0707% | 2,804 |
| Total risk-based capital ratio | 15.8052% | 2,963 |
| Memoranda: | ||
| Average total assets | $637,109,330 | 1,167 |
| Average earning assets | $578,922,330 | 1,189 |
| Average equity | $68,216,330 | 1,235 |
| Average total loans | $413,354,000 | 1,248 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3844% | 3,287 |
| Cost of funding earning assets | 0.7476% | 2,801 |
| Net interest margin | 3.6369% | 3,116 |
| Noninterest income to average assets | 0.7306% | 1,503 |
| Noninterest expense to average assets | 3.0720% | 1,798 |
| Loan and lease loss provision to assets | 0.0096% | 3,311 |
| Net operating income to assets | 0.9449% | 3,070 |
| Return on assets (ROA) | 0.9161% | 3,213 |
| Pretax return on assets | 0.9161% | 3,715 |
| Return on Equity (ROE) | 8.5729% | 3,003 |
| Retained earnings to average equity (ytd only) | 1.8678% | 4,101 |
| Net charge-offs to loans | 0.0528% | 1,530 |
| Credit loss provision to net charge-offs | 27.2727% | 2,100 |
| Earnings coverage of net charge-offs (x) | 27.1273% | 1,385 |
| Efficiency ratio | 76.2949% | 1,470 |
| Assets per employee ($millions) | 4.1494% | 3,702 |
| Cash dividends to net income (ytd only)* | 78.2123% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7215% | 4,731 |
| Loan loss allowance to noncurrent loans | 91.6718% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 0.6400% | 2,171 |
| Noncurrent loans to loans | 0.7870% | 2,067 |
| Net loans and leases to total assets | 65.7541% | 3,093 |
| Net loans and leases to deposits | 78.6127% | 2,991 |
| Net loans and leases to core deposits | 79.8918% | 3,383 |
| Total domestic deposits to total assets | 83.6431% | 3,170 |
| Equity capital to assets | 10.8086% | 3,040 |
| Core capital (leverage) ratio | 9.7385% | 3,879 |
| Tier 1 risk-based capital ratio | 14.4917% | 3,103 |
| Total risk-based capital ratio | 15.2160% | 3,270 |
| Memoranda: | ||
| Average total assets | $625,267,000 | 1,187 |
| Average earning assets | $566,640,500 | 1,212 |
| Average equity | $66,815,500 | 1,247 |
| Average total loans | $416,305,500 | 1,243 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2612% | 3,240 |
| Cost of funding earning assets | 0.6562% | 2,347 |
| Net interest margin | 3.6050% | 3,369 |
| Noninterest income to average assets | 0.8163% | 1,404 |
| Noninterest expense to average assets | 3.1523% | 1,670 |
| Loan and lease loss provision to assets | 0.0552% | 3,064 |
| Net operating income to assets | 0.9333% | 3,312 |
| Return on assets (ROA) | 0.8981% | 3,434 |
| Pretax return on assets | 0.8469% | 4,045 |
| Return on Equity (ROE) | 9.2173% | 2,881 |
| Retained earnings to average equity (ytd only) | 0.9354% | 4,721 |
| Net charge-offs to loans | 0.0596% | 2,284 |
| Credit loss provision to net charge-offs | 139.2562% | 1,937 |
| Earnings coverage of net charge-offs (x) | 23.6322% | 1,842 |
| Efficiency ratio | 77.0791% | 1,224 |
| Assets per employee ($millions) | 4.1051% | 3,741 |
| Cash dividends to net income (ytd only)* | 89.8522% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7265% | 4,741 |
| Loan loss allowance to noncurrent loans | 85.4167% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 0.6885% | 2,010 |
| Noncurrent loans to loans | 0.8505% | 1,896 |
| Net loans and leases to total assets | 66.4441% | 3,065 |
| Net loans and leases to deposits | 79.4599% | 3,009 |
| Net loans and leases to core deposits | 80.7552% | 3,371 |
| Total domestic deposits to total assets | 83.6197% | 3,116 |
| Equity capital to assets | 10.5627% | 3,116 |
| Core capital (leverage) ratio | 9.7689% | 3,840 |
| Tier 1 risk-based capital ratio | 14.7446% | 2,946 |
| Total risk-based capital ratio | 15.4979% | 3,107 |
| Memoranda: | ||
| Average total assets | $610,094,600 | 1,182 |
| Average earning assets | $553,979,200 | 1,209 |
| Average equity | $59,442,400 | 1,332 |
| Average total loans | $406,100,200 | 1,244 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2273% | 3,216 |
| Cost of funding earning assets | 0.6368% | 2,232 |
| Net interest margin | 3.5906% | 3,398 |
| Noninterest income to average assets | 0.8025% | 1,466 |
| Noninterest expense to average assets | 3.1065% | 1,753 |
| Loan and lease loss provision to assets | 0.0508% | 2,972 |
| Net operating income to assets | 0.9308% | 3,392 |
| Return on assets (ROA) | 0.9247% | 3,417 |
| Pretax return on assets | 0.9033% | 4,010 |
| Return on Equity (ROE) | 9.7002% | 2,752 |
| Retained earnings to average equity (ytd only) | 0.9315% | 4,873 |
| Net charge-offs to loans | 0.0436% | 2,221 |
| Credit loss provision to net charge-offs | 175.0000% | 1,531 |
| Earnings coverage of net charge-offs (x) | 33.0977% | 1,525 |
| Efficiency ratio | 76.3876% | 1,301 |
| Assets per employee ($millions) | 4.0253% | 3,842 |
| Cash dividends to net income (ytd only)* | 90.3970% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7267% | 4,818 |
| Loan loss allowance to noncurrent loans | 72.6968% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 0.7045% | 2,089 |
| Noncurrent loans to loans | 0.9996% | 1,704 |
| Net loans and leases to total assets | 66.9519% | 3,074 |
| Net loans and leases to deposits | 78.3177% | 3,210 |
| Net loans and leases to core deposits | 79.8478% | 3,503 |
| Total domestic deposits to total assets | 85.4876% | 2,401 |
| Equity capital to assets | 10.3616% | 3,270 |
| Core capital (leverage) ratio | 9.6658% | 3,981 |
| Tier 1 risk-based capital ratio | 14.1068% | 3,316 |
| Total risk-based capital ratio | 14.8271% | 3,490 |
| Memoranda: | ||
| Average total assets | $606,623,250 | 1,192 |
| Average earning assets | $551,507,250 | 1,217 |
| Average equity | $57,825,750 | 1,362 |
| Average total loans | $403,217,250 | 1,249 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1518% | 3,275 |
| Cost of funding earning assets | 0.6148% | 2,137 |
| Net interest margin | 3.5370% | 3,510 |
| Noninterest income to average assets | 0.7818% | 1,531 |
| Noninterest expense to average assets | 3.0462% | 1,918 |
| Loan and lease loss provision to assets | 0.0661% | 2,579 |
| Net operating income to assets | 0.9110% | 3,415 |
| Return on assets (ROA) | 0.9034% | 3,446 |
| Pretax return on assets | 0.8794% | 4,027 |
| Return on Equity (ROE) | 9.7683% | 2,676 |
| Retained earnings to average equity (ytd only) | 0.1365% | 4,933 |
| Net charge-offs to loans | 0.0402% | 2,057 |
| Credit loss provision to net charge-offs | 248.7500% | 1,149 |
| Earnings coverage of net charge-offs (x) | 35.8750% | 1,372 |
| Efficiency ratio | 76.1667% | 1,404 |
| Assets per employee ($millions) | 4.2331% | 3,525 |
| Cash dividends to net income (ytd only)* | 98.6029% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7251% | 4,878 |
| Loan loss allowance to noncurrent loans | 73.5096% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 0.7158% | 2,089 |
| Noncurrent loans to loans | 0.9865% | 1,772 |
| Net loans and leases to total assets | 66.3758% | 3,083 |
| Net loans and leases to deposits | 78.5890% | 3,099 |
| Net loans and leases to core deposits | 80.1862% | 3,406 |
| Total domestic deposits to total assets | 84.4595% | 2,889 |
| Equity capital to assets | 10.0533% | 3,573 |
| Core capital (leverage) ratio | 9.5645% | 4,036 |
| Tier 1 risk-based capital ratio | 13.8722% | 3,426 |
| Total risk-based capital ratio | 14.6018% | 3,626 |
| Memoranda: | ||
| Average total assets | $602,196,670 | 1,201 |
| Average earning assets | $547,807,000 | 1,224 |
| Average equity | $55,690,330 | 1,407 |
| Average total loans | $398,264,670 | 1,260 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0587% | 3,387 |
| Cost of funding earning assets | 0.5931% | 2,100 |
| Net interest margin | 3.4655% | 3,655 |
| Noninterest income to average assets | 0.7661% | 1,559 |
| Noninterest expense to average assets | 2.9589% | 2,178 |
| Loan and lease loss provision to assets | 0.1075% | 1,738 |
| Net operating income to assets | 0.9090% | 3,254 |
| Return on assets (ROA) | 0.8953% | 3,321 |
| Pretax return on assets | 0.8423% | 4,048 |
| Return on Equity (ROE) | 10.1561% | 2,355 |
| Retained earnings to average equity (ytd only) | 2.0605% | 4,335 |
| Net charge-offs to loans | 0.0642% | 1,461 |
| Credit loss provision to net charge-offs | 254.8387% | 901 |
| Earnings coverage of net charge-offs (x) | 22.8387% | 1,393 |
| Efficiency ratio | 75.4380% | 1,681 |
| Assets per employee ($millions) | 4.1226% | 3,767 |
| Cash dividends to net income (ytd only)* | 79.7112% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7798% | 4,841 |
| Loan loss allowance to noncurrent loans | 94.9327% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 0.6062% | 2,491 |
| Noncurrent loans to loans | 0.8215% | 2,176 |
| Net loans and leases to total assets | 65.5008% | 3,114 |
| Net loans and leases to deposits | 78.9325% | 2,925 |
| Net loans and leases to core deposits | 80.3235% | 3,298 |
| Total domestic deposits to total assets | 82.9833% | 3,672 |
| Equity capital to assets | 8.6748% | 4,838 |
| Core capital (leverage) ratio | 8.4426% | 5,176 |
| Tier 1 risk-based capital ratio | 12.3382% | 4,351 |
| Total risk-based capital ratio | 13.1062% | 4,529 |
| Memoranda: | ||
| Average total assets | $587,929,500 | 1,237 |
| Average earning assets | $535,447,000 | 1,249 |
| Average equity | $51,831,000 | 1,485 |
| Average total loans | $386,541,500 | 1,297 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9727% | 3,501 |
| Cost of funding earning assets | 0.5317% | 2,095 |
| Net interest margin | 3.4410% | 3,720 |
| Noninterest income to average assets | 0.7862% | 1,625 |
| Noninterest expense to average assets | 2.9989% | 2,169 |
| Loan and lease loss provision to assets | 0.0747% | 2,706 |
| Net operating income to assets | 0.6622% | 3,771 |
| Return on assets (ROA) | 0.6881% | 3,702 |
| Pretax return on assets | 0.8901% | 3,947 |
| Return on Equity (ROE) | 7.6134% | 2,993 |
| Retained earnings to average equity (ytd only) | -0.2824% | 5,078 |
| Net charge-offs to loans | 0.0580% | 2,648 |
| Credit loss provision to net charge-offs | 196.8610% | 1,388 |
| Earnings coverage of net charge-offs (x) | 24.5381% | 1,753 |
| Efficiency ratio | 76.3076% | 1,575 |
| Assets per employee ($millions) | 4.0718% | 3,854 |
| Cash dividends to net income (ytd only)* | 103.7092% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7656% | 4,916 |
| Loan loss allowance to noncurrent loans | 97.2213% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 0.5761% | 2,625 |
| Noncurrent loans to loans | 0.7874% | 2,250 |
| Net loans and leases to total assets | 64.9742% | 3,230 |
| Net loans and leases to deposits | 79.5751% | 2,960 |
| Net loans and leases to core deposits | 81.0057% | 3,335 |
| Total domestic deposits to total assets | 81.6514% | 3,953 |
| Equity capital to assets | 8.9577% | 4,767 |
| Core capital (leverage) ratio | 8.3591% | 5,250 |
| Tier 1 risk-based capital ratio | 12.4769% | 4,219 |
| Total risk-based capital ratio | 13.2361% | 4,419 |
| Memoranda: | ||
| Average total assets | $587,673,000 | 1,220 |
| Average earning assets | $536,936,200 | 1,230 |
| Average equity | $53,116,600 | 1,452 |
| Average total loans | $384,220,400 | 1,275 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9572% | 3,499 |
| Cost of funding earning assets | 0.5162% | 2,139 |
| Net interest margin | 3.4410% | 3,704 |
| Noninterest income to average assets | 0.7832% | 1,645 |
| Noninterest expense to average assets | 2.9115% | 2,362 |
| Loan and lease loss provision to assets | 0.0882% | 2,317 |
| Net operating income to assets | 0.7999% | 3,523 |
| Return on assets (ROA) | 0.8387% | 3,377 |
| Pretax return on assets | 0.9741% | 3,789 |
| Return on Equity (ROE) | 9.2591% | 2,466 |
| Retained earnings to average equity (ytd only) | 1.3867% | 4,855 |
| Net charge-offs to loans | 0.0711% | 2,113 |
| Credit loss provision to net charge-offs | 189.7561% | 1,400 |
| Earnings coverage of net charge-offs (x) | 21.8826% | 1,894 |
| Efficiency ratio | 74.1083% | 1,876 |
| Assets per employee ($millions) | 4.0446% | 3,910 |
| Cash dividends to net income (ytd only)* | 85.0230% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7595% | 4,999 |
| Loan loss allowance to noncurrent loans | 74.6917% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 0.7515% | 2,253 |
| Noncurrent loans to loans | 1.0169% | 1,911 |
| Net loans and leases to total assets | 63.8847% | 3,419 |
| Net loans and leases to deposits | 80.0191% | 2,976 |
| Net loans and leases to core deposits | 81.3140% | 3,349 |
| Total domestic deposits to total assets | 79.8368% | 4,353 |
| Equity capital to assets | 9.0509% | 4,871 |
| Core capital (leverage) ratio | 8.3365% | 5,346 |
| Tier 1 risk-based capital ratio | 12.4406% | 4,358 |
| Total risk-based capital ratio | 13.2026% | 4,536 |
| Memoranda: | ||
| Average total assets | $588,008,000 | 1,227 |
| Average earning assets | $537,507,750 | 1,237 |
| Average equity | $53,265,250 | 1,453 |
| Average total loans | $384,299,500 | 1,284 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9161% | 3,499 |
| Cost of funding earning assets | 0.4956% | 2,203 |
| Net interest margin | 3.4206% | 3,699 |
| Noninterest income to average assets | 0.7866% | 1,617 |
| Noninterest expense to average assets | 2.8865% | 2,469 |
| Loan and lease loss provision to assets | 0.0819% | 2,354 |
| Net operating income to assets | 0.8000% | 3,402 |
| Return on assets (ROA) | 0.8562% | 3,180 |
| Pretax return on assets | 1.0167% | 3,498 |
| Return on Equity (ROE) | 9.4494% | 2,296 |
| Retained earnings to average equity (ytd only) | 1.5485% | 4,629 |
| Net charge-offs to loans | 0.0452% | 2,306 |
| Credit loss provision to net charge-offs | 275.8621% | 1,018 |
| Earnings coverage of net charge-offs (x) | 34.7356% | 1,360 |
| Efficiency ratio | 73.6691% | 2,075 |
| Assets per employee ($millions) | 4.1158% | 3,757 |
| Cash dividends to net income (ytd only)* | 83.6124% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7330% | 5,129 |
| Loan loss allowance to noncurrent loans | 61.2045% | 4,352 |
| Noncurrent assets plus other real estate owned to assets | 0.8976% | 1,975 |
| Noncurrent loans to loans | 1.1977% | 1,625 |
| Net loans and leases to total assets | 65.2604% | 3,222 |
| Net loans and leases to deposits | 81.6503% | 2,731 |
| Net loans and leases to core deposits | 82.6618% | 3,199 |
| Total domestic deposits to total assets | 79.9268% | 4,432 |
| Equity capital to assets | 8.9872% | 4,920 |
| Core capital (leverage) ratio | 8.3418% | 5,326 |
| Tier 1 risk-based capital ratio | 12.4591% | 4,327 |
| Total risk-based capital ratio | 13.2172% | 4,540 |
| Memoranda: | ||
| Average total assets | $585,827,670 | 1,233 |
| Average earning assets | $536,345,670 | 1,242 |
| Average equity | $53,083,000 | 1,458 |
| Average total loans | $384,821,670 | 1,285 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8902% | 3,431 |
| Cost of funding earning assets | 0.4714% | 2,338 |
| Net interest margin | 3.4188% | 3,578 |
| Noninterest income to average assets | 0.7258% | 1,851 |
| Noninterest expense to average assets | 2.9148% | 2,414 |
| Loan and lease loss provision to assets | 0.0724% | 2,359 |
| Net operating income to assets | 0.7329% | 3,544 |
| Return on assets (ROA) | 0.8478% | 3,043 |
| Pretax return on assets | 1.0029% | 3,360 |
| Return on Equity (ROE) | 9.3169% | 2,268 |
| Retained earnings to average equity (ytd only) | 1.3862% | 4,544 |
| Net charge-offs to loans | 0.0241% | 2,277 |
| Credit loss provision to net charge-offs | 456.5217% | 603 |
| Earnings coverage of net charge-offs (x) | 59.3043% | 809 |
| Efficiency ratio | 75.6124% | 1,970 |
| Assets per employee ($millions) | 4.1315% | 3,788 |
| Cash dividends to net income (ytd only)* | 85.1220% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7308% | 5,243 |
| Loan loss allowance to noncurrent loans | 64.1583% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 0.8572% | 2,161 |
| Noncurrent loans to loans | 1.1391% | 1,789 |
| Net loans and leases to total assets | 64.9457% | 3,125 |
| Net loans and leases to deposits | 80.6984% | 2,657 |
| Net loans and leases to core deposits | 81.6629% | 3,119 |
| Total domestic deposits to total assets | 80.4795% | 4,527 |
| Equity capital to assets | 9.0238% | 4,784 |
| Core capital (leverage) ratio | 8.4142% | 5,286 |
| Tier 1 risk-based capital ratio | 12.5905% | 4,330 |
| Total risk-based capital ratio | 13.3410% | 4,551 |
| Memoranda: | ||
| Average total assets | $580,344,000 | 1,243 |
| Average earning assets | $531,178,500 | 1,248 |
| Average equity | $52,807,000 | 1,465 |
| Average total loans | $381,059,000 | 1,300 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8959% | 3,585 |
| Cost of funding earning assets | 0.4329% | 2,681 |
| Net interest margin | 3.4630% | 3,572 |
| Noninterest income to average assets | 0.8442% | 1,599 |
| Noninterest expense to average assets | 2.9381% | 2,536 |
| Loan and lease loss provision to assets | 0.0815% | 2,726 |
| Net operating income to assets | 0.8626% | 3,014 |
| Return on assets (ROA) | 0.8705% | 3,087 |
| Pretax return on assets | 1.0054% | 3,460 |
| Return on Equity (ROE) | 9.0758% | 2,382 |
| Retained earnings to average equity (ytd only) | 1.3726% | 4,723 |
| Net charge-offs to loans | 0.0584% | 2,879 |
| Credit loss provision to net charge-offs | 210.8597% | 1,349 |
| Earnings coverage of net charge-offs (x) | 27.8959% | 1,494 |
| Efficiency ratio | 73.1618% | 2,400 |
| Assets per employee ($millions) | 4.0424% | 3,889 |
| Cash dividends to net income (ytd only)* | 84.8765% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7198% | 5,324 |
| Loan loss allowance to noncurrent loans | 46.3332% | 4,749 |
| Noncurrent assets plus other real estate owned to assets | 1.1350% | 1,630 |
| Noncurrent loans to loans | 1.5535% | 1,278 |
| Net loans and leases to total assets | 65.4288% | 3,154 |
| Net loans and leases to deposits | 82.3777% | 2,623 |
| Net loans and leases to core deposits | 83.2954% | 3,097 |
| Total domestic deposits to total assets | 79.4254% | 4,691 |
| Equity capital to assets | 9.1764% | 4,609 |
| Core capital (leverage) ratio | 8.3888% | 5,379 |
| Tier 1 risk-based capital ratio | 12.8352% | 4,178 |
| Total risk-based capital ratio | 13.6032% | 4,359 |
| Memoranda: | ||
| Average total assets | $571,995,000 | 1,220 |
| Average earning assets | $523,882,800 | 1,225 |
| Average equity | $54,860,000 | 1,400 |
| Average total loans | $378,207,800 | 1,253 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8894% | 3,620 |
| Cost of funding earning assets | 0.4239% | 2,793 |
| Net interest margin | 3.4654% | 3,609 |
| Noninterest income to average assets | 0.8730% | 1,502 |
| Noninterest expense to average assets | 2.9643% | 2,419 |
| Loan and lease loss provision to assets | 0.0854% | 2,517 |
| Net operating income to assets | 0.8699% | 3,049 |
| Return on assets (ROA) | 0.8805% | 3,129 |
| Pretax return on assets | 1.0107% | 3,594 |
| Return on Equity (ROE) | 9.0817% | 2,453 |
| Retained earnings to average equity (ytd only) | 1.4559% | 4,931 |
| Net charge-offs to loans | 0.0550% | 2,575 |
| Credit loss provision to net charge-offs | 234.6154% | 1,255 |
| Earnings coverage of net charge-offs (x) | 29.7827% | 1,496 |
| Efficiency ratio | 73.2250% | 2,399 |
| Assets per employee ($millions) | 3.9642% | 4,026 |
| Cash dividends to net income (ytd only)* | 83.9694% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7125% | 5,407 |
| Loan loss allowance to noncurrent loans | 47.9914% | 4,791 |
| Noncurrent assets plus other real estate owned to assets | 1.1069% | 1,837 |
| Noncurrent loans to loans | 1.4846% | 1,453 |
| Net loans and leases to total assets | 65.6201% | 3,185 |
| Net loans and leases to deposits | 80.8340% | 2,874 |
| Net loans and leases to core deposits | 81.6779% | 3,309 |
| Total domestic deposits to total assets | 81.1789% | 4,202 |
| Equity capital to assets | 9.7923% | 4,368 |
| Core capital (leverage) ratio | 8.7992% | 5,057 |
| Tier 1 risk-based capital ratio | 13.2433% | 4,010 |
| Total risk-based capital ratio | 13.9960% | 4,224 |
| Memoranda: | ||
| Average total assets | $571,489,000 | 1,222 |
| Average earning assets | $523,635,000 | 1,222 |
| Average equity | $55,406,500 | 1,395 |
| Average total loans | $378,185,500 | 1,247 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9101% | 3,574 |
| Cost of funding earning assets | 0.4217% | 2,820 |
| Net interest margin | 3.4884% | 3,530 |
| Noninterest income to average assets | 0.8004% | 1,712 |
| Noninterest expense to average assets | 2.9592% | 2,488 |
| Loan and lease loss provision to assets | 0.0819% | 2,501 |
| Net operating income to assets | 0.8098% | 3,265 |
| Return on assets (ROA) | 0.8235% | 3,337 |
| Pretax return on assets | 0.9701% | 3,704 |
| Return on Equity (ROE) | 8.5225% | 2,739 |
| Retained earnings to average equity (ytd only) | 0.8761% | 5,037 |
| Net charge-offs to loans | 0.0740% | 2,126 |
| Credit loss provision to net charge-offs | 167.1429% | 1,477 |
| Earnings coverage of net charge-offs (x) | 21.1500% | 1,693 |
| Efficiency ratio | 74.0718% | 2,347 |
| Assets per employee ($millions) | 3.8580% | 4,155 |
| Cash dividends to net income (ytd only)* | 89.7196% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6802% | 5,557 |
| Loan loss allowance to noncurrent loans | 46.8915% | 4,887 |
| Noncurrent assets plus other real estate owned to assets | 1.0737% | 1,980 |
| Noncurrent loans to loans | 1.4507% | 1,525 |
| Net loans and leases to total assets | 66.2178% | 3,051 |
| Net loans and leases to deposits | 80.3859% | 2,885 |
| Net loans and leases to core deposits | 81.2160% | 3,341 |
| Total domestic deposits to total assets | 82.3750% | 3,884 |
| Equity capital to assets | 9.8198% | 4,425 |
| Core capital (leverage) ratio | 8.7156% | 5,153 |
| Tier 1 risk-based capital ratio | 13.0900% | 4,149 |
| Total risk-based capital ratio | 13.8063% | 4,392 |
| Memoranda: | ||
| Average total assets | $571,702,670 | 1,226 |
| Average earning assets | $523,569,670 | 1,226 |
| Average equity | $55,242,330 | 1,402 |
| Average total loans | $378,487,670 | 1,251 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9413% | 3,429 |
| Cost of funding earning assets | 0.4241% | 2,825 |
| Net interest margin | 3.5172% | 3,401 |
| Noninterest income to average assets | 0.7909% | 1,658 |
| Noninterest expense to average assets | 2.8328% | 2,945 |
| Loan and lease loss provision to assets | 0.0843% | 2,264 |
| Net operating income to assets | 0.9045% | 2,734 |
| Return on assets (ROA) | 0.9045% | 2,857 |
| Pretax return on assets | 1.0927% | 3,122 |
| Return on Equity (ROE) | 9.4368% | 2,220 |
| Retained earnings to average equity (ytd only) | 1.7594% | 4,565 |
| Net charge-offs to loans | 0.0475% | 2,082 |
| Credit loss provision to net charge-offs | 268.8889% | 908 |
| Earnings coverage of net charge-offs (x) | 37.5333% | 1,051 |
| Efficiency ratio | 70.6465% | 3,017 |
| Assets per employee ($millions) | 3.9560% | 4,029 |
| Cash dividends to net income (ytd only)* | 81.3559% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6748% | 5,638 |
| Loan loss allowance to noncurrent loans | 57.2774% | 4,648 |
| Noncurrent assets plus other real estate owned to assets | 0.9067% | 2,424 |
| Noncurrent loans to loans | 1.1781% | 2,054 |
| Net loans and leases to total assets | 65.9947% | 2,945 |
| Net loans and leases to deposits | 80.6281% | 2,712 |
| Net loans and leases to core deposits | 81.4103% | 3,187 |
| Total domestic deposits to total assets | 81.8507% | 4,270 |
| Equity capital to assets | 9.7878% | 4,359 |
| Core capital (leverage) ratio | 8.5336% | 5,362 |
| Tier 1 risk-based capital ratio | 13.4691% | 3,994 |
| Total risk-based capital ratio | 14.2075% | 4,214 |
| Memoranda: | ||
| Average total assets | $573,994,500 | 1,223 |
| Average earning assets | $525,303,500 | 1,229 |
| Average equity | $55,018,500 | 1,405 |
| Average total loans | $378,678,500 | 1,247 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8198% | 3,980 |
| Cost of funding earning assets | 0.4497% | 2,631 |
| Net interest margin | 3.3700% | 4,036 |
| Noninterest income to average assets | 0.8580% | 1,578 |
| Noninterest expense to average assets | 3.1781% | 2,013 |
| Loan and lease loss provision to assets | 0.1010% | 2,302 |
| Net operating income to assets | 0.6452% | 4,059 |
| Return on assets (ROA) | 0.6440% | 4,154 |
| Pretax return on assets | 0.6552% | 4,660 |
| Return on Equity (ROE) | 6.8621% | 3,585 |
| Retained earnings to average equity (ytd only) | -1.0394% | 5,663 |
| Net charge-offs to loans | 0.1281% | 2,089 |
| Credit loss provision to net charge-offs | 124.2574% | 2,089 |
| Earnings coverage of net charge-offs (x) | 9.3218% | 2,834 |
| Efficiency ratio | 80.7543% | 1,571 |
| Assets per employee ($millions) | 4.3483% | 3,307 |
| Cash dividends to net income (ytd only)* | 115.1468% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6541% | 5,718 |
| Loan loss allowance to noncurrent loans | 48.1352% | 4,927 |
| Noncurrent assets plus other real estate owned to assets | 0.9969% | 2,203 |
| Noncurrent loans to loans | 1.3588% | 1,726 |
| Net loans and leases to total assets | 65.0805% | 3,107 |
| Net loans and leases to deposits | 82.3164% | 2,550 |
| Net loans and leases to core deposits | 83.0644% | 3,043 |
| Total domestic deposits to total assets | 79.0614% | 4,970 |
| Equity capital to assets | 9.3857% | 4,693 |
| Core capital (leverage) ratio | 8.5417% | 5,384 |
| Tier 1 risk-based capital ratio | 13.3931% | 4,058 |
| Total risk-based capital ratio | 14.1140% | 4,303 |
| Memoranda: | ||
| Average total assets | $497,215,200 | 1,353 |
| Average earning assets | $454,061,000 | 1,366 |
| Average equity | $46,661,800 | 1,583 |
| Average total loans | $315,431,200 | 1,408 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8884% | 3,775 |
| Cost of funding earning assets | 0.4714% | 2,484 |
| Net interest margin | 3.4170% | 3,883 |
| Noninterest income to average assets | 0.8837% | 1,500 |
| Noninterest expense to average assets | 2.9862% | 2,568 |
| Loan and lease loss provision to assets | 0.0844% | 2,480 |
| Net operating income to assets | 0.8393% | 3,225 |
| Return on assets (ROA) | 0.8353% | 3,332 |
| Pretax return on assets | 0.9290% | 3,890 |
| Return on Equity (ROE) | 8.9011% | 2,633 |
| Retained earnings to average equity (ytd only) | 0.6643% | 5,426 |
| Net charge-offs to loans | 0.1429% | 1,694 |
| Credit loss provision to net charge-offs | 94.0810% | 2,409 |
| Earnings coverage of net charge-offs (x) | 11.3427% | 2,496 |
| Efficiency ratio | 74.5793% | 2,459 |
| Assets per employee ($millions) | 3.7157% | 4,413 |
| Cash dividends to net income (ytd only)* | 92.5367% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7671% | 5,595 |
| Loan loss allowance to noncurrent loans | 53.5982% | 4,859 |
| Noncurrent assets plus other real estate owned to assets | 1.0279% | 2,299 |
| Noncurrent loans to loans | 1.4312% | 1,764 |
| Net loans and leases to total assets | 63.2315% | 3,415 |
| Net loans and leases to deposits | 79.4229% | 2,942 |
| Net loans and leases to core deposits | 80.1490% | 3,415 |
| Total domestic deposits to total assets | 79.6137% | 4,828 |
| Equity capital to assets | 9.3190% | 4,983 |
| Core capital (leverage) ratio | 8.9313% | 5,081 |
| Tier 1 risk-based capital ratio | 13.9642% | 3,866 |
| Total risk-based capital ratio | 14.7600% | 4,064 |
| Memoranda: | ||
| Average total assets | $476,939,250 | 1,421 |
| Average earning assets | $435,542,750 | 1,430 |
| Average equity | $44,757,500 | 1,661 |
| Average total loans | $299,576,250 | 1,480 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8883% | 3,736 |
| Cost of funding earning assets | 0.4894% | 2,356 |
| Net interest margin | 3.3989% | 3,912 |
| Noninterest income to average assets | 0.8587% | 1,575 |
| Noninterest expense to average assets | 3.0166% | 2,502 |
| Loan and lease loss provision to assets | 0.0682% | 2,751 |
| Net operating income to assets | 0.7945% | 3,418 |
| Return on assets (ROA) | 0.7884% | 3,550 |
| Pretax return on assets | 0.8705% | 4,065 |
| Return on Equity (ROE) | 8.3811% | 2,858 |
| Retained earnings to average equity (ytd only) | 0.1298% | 5,466 |
| Net charge-offs to loans | 0.1529% | 1,568 |
| Credit loss provision to net charge-offs | 71.3656% | 2,448 |
| Earnings coverage of net charge-offs (x) | 9.8899% | 2,410 |
| Efficiency ratio | 76.1373% | 2,330 |
| Assets per employee ($millions) | 3.7058% | 4,417 |
| Cash dividends to net income (ytd only)* | 98.4509% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7612% | 5,691 |
| Loan loss allowance to noncurrent loans | 52.0810% | 4,930 |
| Noncurrent assets plus other real estate owned to assets | 1.0385% | 2,432 |
| Noncurrent loans to loans | 1.4616% | 1,813 |
| Net loans and leases to total assets | 62.6470% | 3,458 |
| Net loans and leases to deposits | 79.6571% | 2,834 |
| Net loans and leases to core deposits | 80.3405% | 3,352 |
| Total domestic deposits to total assets | 78.6458% | 5,167 |
| Equity capital to assets | 9.2453% | 4,964 |
| Core capital (leverage) ratio | 9.0648% | 4,871 |
| Tier 1 risk-based capital ratio | 14.3605% | 3,725 |
| Total risk-based capital ratio | 15.1756% | 3,905 |
| Memoranda: | ||
| Average total assets | $474,907,000 | 1,436 |
| Average earning assets | $433,611,670 | 1,445 |
| Average equity | $44,672,000 | 1,671 |
| Average total loans | $296,837,670 | 1,494 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9169% | 3,528 |
| Cost of funding earning assets | 0.5247% | 2,056 |
| Net interest margin | 3.3922% | 3,875 |
| Noninterest income to average assets | 0.8204% | 1,629 |
| Noninterest expense to average assets | 3.0347% | 2,468 |
| Loan and lease loss provision to assets | 0.0424% | 3,063 |
| Net operating income to assets | 0.7743% | 3,392 |
| Return on assets (ROA) | 0.7610% | 3,615 |
| Pretax return on assets | 0.8280% | 4,137 |
| Return on Equity (ROE) | 8.0200% | 2,948 |
| Retained earnings to average equity (ytd only) | -0.2146% | 5,414 |
| Net charge-offs to loans | 0.0423% | 2,388 |
| Credit loss provision to net charge-offs | 161.2903% | 1,198 |
| Earnings coverage of net charge-offs (x) | 33.6452% | 1,077 |
| Efficiency ratio | 77.4242% | 2,279 |
| Assets per employee ($millions) | 3.5978% | 4,729 |
| Cash dividends to net income (ytd only)* | 102.6756% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8230% | 5,638 |
| Loan loss allowance to noncurrent loans | 48.5628% | 5,062 |
| Noncurrent assets plus other real estate owned to assets | 1.1460% | 2,342 |
| Noncurrent loans to loans | 1.6947% | 1,624 |
| Net loans and leases to total assets | 61.8085% | 3,402 |
| Net loans and leases to deposits | 75.6491% | 3,094 |
| Net loans and leases to core deposits | 76.3447% | 3,556 |
| Total domestic deposits to total assets | 81.7042% | 4,606 |
| Equity capital to assets | 9.6295% | 4,595 |
| Core capital (leverage) ratio | 9.0130% | 4,936 |
| Tier 1 risk-based capital ratio | 14.9235% | 3,471 |
| Total risk-based capital ratio | 15.7983% | 3,621 |
| Memoranda: | ||
| Average total assets | $471,480,500 | 1,447 |
| Average earning assets | $430,747,500 | 1,458 |
| Average equity | $44,738,000 | 1,674 |
| Average total loans | $293,195,000 | 1,512 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0238% | 3,629 |
| Cost of funding earning assets | 0.6186% | 1,615 |
| Net interest margin | 3.4052% | 4,177 |
| Noninterest income to average assets | 0.8776% | 1,578 |
| Noninterest expense to average assets | 2.8958% | 3,168 |
| Loan and lease loss provision to assets | 0.0771% | 2,937 |
| Net operating income to assets | 0.8841% | 2,952 |
| Return on assets (ROA) | 0.8858% | 3,026 |
| Pretax return on assets | 0.9938% | 3,521 |
| Return on Equity (ROE) | 9.1174% | 2,532 |
| Retained earnings to average equity (ytd only) | 0.9175% | 5,372 |
| Net charge-offs to loans | 0.0933% | 3,163 |
| Credit loss provision to net charge-offs | 135.2273% | 1,743 |
| Earnings coverage of net charge-offs (x) | 18.7576% | 1,823 |
| Efficiency ratio | 73.0401% | 3,023 |
| Assets per employee ($millions) | 3.6278% | 4,667 |
| Cash dividends to net income (ytd only)* | 89.9366% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8071% | 5,755 |
| Loan loss allowance to noncurrent loans | 42.1537% | 5,318 |
| Noncurrent assets plus other real estate owned to assets | 1.2371% | 2,283 |
| Noncurrent loans to loans | 1.9145% | 1,471 |
| Net loans and leases to total assets | 61.5520% | 3,563 |
| Net loans and leases to deposits | 76.7707% | 3,110 |
| Net loans and leases to core deposits | 77.5854% | 3,554 |
| Total domestic deposits to total assets | 80.1764% | 4,970 |
| Equity capital to assets | 9.3504% | 4,913 |
| Core capital (leverage) ratio | 9.4235% | 4,350 |
| Tier 1 risk-based capital ratio | 14.7814% | 3,611 |
| Total risk-based capital ratio | 15.5941% | 3,807 |
| Memoranda: | ||
| Average total assets | $463,290,600 | 1,445 |
| Average earning assets | $420,005,600 | 1,464 |
| Average equity | $45,013,000 | 1,603 |
| Average total loans | $282,893,400 | 1,503 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0224% | 3,674 |
| Cost of funding earning assets | 0.6307% | 1,594 |
| Net interest margin | 3.3917% | 4,274 |
| Noninterest income to average assets | 0.8693% | 1,628 |
| Noninterest expense to average assets | 2.8792% | 3,197 |
| Loan and lease loss provision to assets | 0.0715% | 2,916 |
| Net operating income to assets | 0.8860% | 2,980 |
| Return on assets (ROA) | 0.8884% | 3,069 |
| Pretax return on assets | 0.9898% | 3,633 |
| Return on Equity (ROE) | 9.0556% | 2,653 |
| Retained earnings to average equity (ytd only) | 0.8799% | 5,529 |
| Net charge-offs to loans | 0.0943% | 2,864 |
| Credit loss provision to net charge-offs | 124.7475% | 1,846 |
| Earnings coverage of net charge-offs (x) | 18.4598% | 1,837 |
| Efficiency ratio | 73.1151% | 2,971 |
| Assets per employee ($millions) | 3.6451% | 4,581 |
| Cash dividends to net income (ytd only)* | 90.2837% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8127% | 5,842 |
| Loan loss allowance to noncurrent loans | 42.4110% | 5,380 |
| Noncurrent assets plus other real estate owned to assets | 1.2113% | 2,528 |
| Noncurrent loans to loans | 1.9162% | 1,672 |
| Net loans and leases to total assets | 59.7069% | 3,839 |
| Net loans and leases to deposits | 73.8344% | 3,451 |
| Net loans and leases to core deposits | 74.4890% | 3,896 |
| Total domestic deposits to total assets | 80.8659% | 4,858 |
| Equity capital to assets | 9.5200% | 4,779 |
| Core capital (leverage) ratio | 9.4843% | 4,401 |
| Tier 1 risk-based capital ratio | 14.9480% | 3,620 |
| Total risk-based capital ratio | 15.7529% | 3,824 |
| Memoranda: | ||
| Average total assets | $460,302,750 | 1,460 |
| Average earning assets | $416,453,000 | 1,484 |
| Average equity | $45,157,000 | 1,595 |
| Average total loans | $279,891,500 | 1,530 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0660% | 3,482 |
| Cost of funding earning assets | 0.6382% | 1,605 |
| Net interest margin | 3.4278% | 4,070 |
| Noninterest income to average assets | 0.8707% | 1,592 |
| Noninterest expense to average assets | 2.9219% | 3,094 |
| Loan and lease loss provision to assets | 0.0603% | 3,065 |
| Net operating income to assets | 0.8943% | 2,844 |
| Return on assets (ROA) | 0.8971% | 2,922 |
| Pretax return on assets | 0.9873% | 3,525 |
| Return on Equity (ROE) | 9.0509% | 2,567 |
| Retained earnings to average equity (ytd only) | 0.8523% | 5,404 |
| Net charge-offs to loans | 0.0476% | 3,299 |
| Credit loss provision to net charge-offs | 207.5758% | 1,132 |
| Earnings coverage of net charge-offs (x) | 35.9697% | 1,136 |
| Efficiency ratio | 73.6661% | 3,031 |
| Assets per employee ($millions) | 3.6674% | 4,514 |
| Cash dividends to net income (ytd only)* | 90.5836% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8472% | 5,880 |
| Loan loss allowance to noncurrent loans | 41.5287% | 5,453 |
| Noncurrent assets plus other real estate owned to assets | 1.2807% | 2,557 |
| Noncurrent loans to loans | 2.0399% | 1,648 |
| Net loans and leases to total assets | 58.3359% | 3,946 |
| Net loans and leases to deposits | 70.1335% | 3,809 |
| Net loans and leases to core deposits | 70.7780% | 4,180 |
| Total domestic deposits to total assets | 83.1783% | 4,230 |
| Equity capital to assets | 9.6549% | 4,551 |
| Core capital (leverage) ratio | 9.4401% | 4,413 |
| Tier 1 risk-based capital ratio | 15.1713% | 3,543 |
| Total risk-based capital ratio | 16.0013% | 3,728 |
| Memoranda: | ||
| Average total assets | $454,567,670 | 1,473 |
| Average earning assets | $410,528,670 | 1,500 |
| Average equity | $45,056,330 | 1,586 |
| Average total loans | $277,375,000 | 1,540 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0164% | 3,614 |
| Cost of funding earning assets | 0.6252% | 1,771 |
| Net interest margin | 3.3912% | 4,159 |
| Noninterest income to average assets | 0.8057% | 1,726 |
| Noninterest expense to average assets | 2.9849% | 2,918 |
| Loan and lease loss provision to assets | 0.0180% | 3,597 |
| Net operating income to assets | 0.7935% | 3,185 |
| Return on assets (ROA) | 0.7977% | 3,242 |
| Pretax return on assets | 0.8623% | 3,853 |
| Return on Equity (ROE) | 7.9381% | 2,961 |
| Retained earnings to average equity (ytd only) | -0.3129% | 5,615 |
| Net charge-offs to loans | 0.0101% | 3,420 |
| Credit loss provision to net charge-offs | 285.7143% | 823 |
| Earnings coverage of net charge-offs (x) | 139.2857% | 356 |
| Efficiency ratio | 77.3150% | 2,593 |
| Assets per employee ($millions) | 3.5181% | 4,887 |
| Cash dividends to net income (ytd only)* | 103.9414% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8334% | 6,036 |
| Loan loss allowance to noncurrent loans | 39.6962% | 5,580 |
| Noncurrent assets plus other real estate owned to assets | 1.3729% | 2,577 |
| Noncurrent loans to loans | 2.0994% | 1,756 |
| Net loans and leases to total assets | 61.2535% | 3,353 |
| Net loans and leases to deposits | 69.6839% | 3,644 |
| Net loans and leases to core deposits | 70.2254% | 4,064 |
| Total domestic deposits to total assets | 87.9019% | 2,289 |
| Equity capital to assets | 10.0498% | 3,786 |
| Core capital (leverage) ratio | 10.0491% | 3,494 |
| Tier 1 risk-based capital ratio | 15.5213% | 3,426 |
| Total risk-based capital ratio | 16.3531% | 3,613 |
| Memoranda: | ||
| Average total assets | $445,302,500 | 1,505 |
| Average earning assets | $401,158,000 | 1,529 |
| Average equity | $44,746,000 | 1,589 |
| Average total loans | $276,890,500 | 1,547 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1534% | 3,527 |
| Cost of funding earning assets | 0.7212% | 1,669 |
| Net interest margin | 3.4322% | 4,159 |
| Noninterest income to average assets | 0.9056% | 1,660 |
| Noninterest expense to average assets | 2.9264% | 3,290 |
| Loan and lease loss provision to assets | 0.0931% | 3,250 |
| Net operating income to assets | 0.8751% | 2,907 |
| Return on assets (ROA) | 0.8747% | 2,992 |
| Pretax return on assets | 0.9828% | 3,425 |
| Return on Equity (ROE) | 8.7526% | 2,671 |
| Retained earnings to average equity (ytd only) | 0.4310% | 5,656 |
| Net charge-offs to loans | 0.5082% | 1,306 |
| Credit loss provision to net charge-offs | 29.4535% | 4,263 |
| Earnings coverage of net charge-offs (x) | 3.4053% | 3,863 |
| Efficiency ratio | 73.1099% | 3,275 |
| Assets per employee ($millions) | 3.5222% | 4,854 |
| Cash dividends to net income (ytd only)* | 95.0757% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8233% | 6,119 |
| Loan loss allowance to noncurrent loans | 36.5102% | 5,737 |
| Noncurrent assets plus other real estate owned to assets | 1.4748% | 2,522 |
| Noncurrent loans to loans | 2.2549% | 1,718 |
| Net loans and leases to total assets | 62.0799% | 3,348 |
| Net loans and leases to deposits | 72.5010% | 3,455 |
| Net loans and leases to core deposits | 73.1788% | 3,926 |
| Total domestic deposits to total assets | 85.6262% | 3,446 |
| Equity capital to assets | 10.0471% | 3,697 |
| Core capital (leverage) ratio | 9.9724% | 3,613 |
| Tier 1 risk-based capital ratio | 15.5217% | 3,365 |
| Total risk-based capital ratio | 16.3455% | 3,556 |
| Memoranda: | ||
| Average total assets | $445,772,400 | 1,485 |
| Average earning assets | $402,253,400 | 1,506 |
| Average equity | $44,547,000 | 1,568 |
| Average total loans | $277,242,400 | 1,522 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1462% | 3,582 |
| Cost of funding earning assets | 0.7365% | 1,692 |
| Net interest margin | 3.4098% | 4,246 |
| Noninterest income to average assets | 0.9100% | 1,721 |
| Noninterest expense to average assets | 2.8840% | 3,361 |
| Loan and lease loss provision to assets | 0.0795% | 3,470 |
| Net operating income to assets | 0.8882% | 2,893 |
| Return on assets (ROA) | 0.8882% | 3,009 |
| Pretax return on assets | 1.0230% | 3,407 |
| Return on Equity (ROE) | 8.9003% | 2,687 |
| Retained earnings to average equity (ytd only) | 0.5658% | 5,744 |
| Net charge-offs to loans | 0.5192% | 1,239 |
| Credit loss provision to net charge-offs | 24.6525% | 3,988 |
| Earnings coverage of net charge-offs (x) | 3.4198% | 3,708 |
| Efficiency ratio | 72.3450% | 3,340 |
| Assets per employee ($millions) | 3.5298% | 4,793 |
| Cash dividends to net income (ytd only)* | 93.6429% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8724% | 6,128 |
| Loan loss allowance to noncurrent loans | 31.4789% | 5,927 |
| Noncurrent assets plus other real estate owned to assets | 1.8331% | 2,222 |
| Noncurrent loans to loans | 2.7714% | 1,511 |
| Net loans and leases to total assets | 62.0428% | 3,353 |
| Net loans and leases to deposits | 72.9808% | 3,409 |
| Net loans and leases to core deposits | 73.7068% | 3,884 |
| Total domestic deposits to total assets | 85.0125% | 3,745 |
| Equity capital to assets | 9.6543% | 4,352 |
| Core capital (leverage) ratio | 9.8813% | 3,844 |
| Tier 1 risk-based capital ratio | 15.2695% | 3,584 |
| Total risk-based capital ratio | 16.1366% | 3,776 |
| Memoranda: | ||
| Average total assets | $446,265,250 | 1,492 |
| Average earning assets | $402,636,000 | 1,515 |
| Average equity | $44,536,500 | 1,586 |
| Average total loans | $277,103,500 | 1,522 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1416% | 3,576 |
| Cost of funding earning assets | 0.7502% | 1,710 |
| Net interest margin | 3.3914% | 4,216 |
| Noninterest income to average assets | 0.9271% | 1,724 |
| Noninterest expense to average assets | 2.8464% | 3,525 |
| Loan and lease loss provision to assets | 0.0747% | 3,549 |
| Net operating income to assets | 0.8889% | 2,849 |
| Return on assets (ROA) | 0.8893% | 2,998 |
| Pretax return on assets | 1.0661% | 3,236 |
| Return on Equity (ROE) | 8.8131% | 2,702 |
| Retained earnings to average equity (ytd only) | 0.5307% | 5,691 |
| Net charge-offs to loans | 0.7790% | 809 |
| Credit loss provision to net charge-offs | 15.4851% | 3,821 |
| Earnings coverage of net charge-offs (x) | 2.3638% | 3,731 |
| Efficiency ratio | 71.3963% | 3,579 |
| Assets per employee ($millions) | 3.4758% | 4,902 |
| Cash dividends to net income (ytd only)* | 93.9777% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8616% | 6,228 |
| Loan loss allowance to noncurrent loans | 30.1894% | 6,009 |
| Noncurrent assets plus other real estate owned to assets | 1.7945% | 2,424 |
| Noncurrent loans to loans | 2.8540% | 1,583 |
| Net loans and leases to total assets | 61.4215% | 3,403 |
| Net loans and leases to deposits | 69.9146% | 3,727 |
| Net loans and leases to core deposits | 70.5965% | 4,207 |
| Total domestic deposits to total assets | 87.8521% | 2,352 |
| Equity capital to assets | 9.8746% | 4,087 |
| Core capital (leverage) ratio | 10.0544% | 3,440 |
| Tier 1 risk-based capital ratio | 15.8251% | 3,302 |
| Total risk-based capital ratio | 16.6802% | 3,481 |
| Memoranda: | ||
| Average total assets | $444,417,330 | 1,492 |
| Average earning assets | $400,957,330 | 1,517 |
| Average equity | $44,842,330 | 1,584 |
| Average total loans | $275,210,670 | 1,534 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1344% | 3,578 |
| Cost of funding earning assets | 0.7625% | 1,770 |
| Net interest margin | 3.3719% | 4,227 |
| Noninterest income to average assets | 0.9438% | 1,630 |
| Noninterest expense to average assets | 2.7314% | 3,940 |
| Loan and lease loss provision to assets | 0.0720% | 3,427 |
| Net operating income to assets | 0.8801% | 2,751 |
| Return on assets (ROA) | 0.8807% | 2,896 |
| Pretax return on assets | 1.1797% | 2,650 |
| Return on Equity (ROE) | 8.6363% | 2,654 |
| Retained earnings to average equity (ytd only) | 0.4415% | 5,647 |
| Net charge-offs to loans | 1.5215% | 353 |
| Credit loss provision to net charge-offs | 7.6482% | 3,174 |
| Earnings coverage of net charge-offs (x) | 1.3279% | 3,387 |
| Efficiency ratio | 68.5889% | 4,207 |
| Assets per employee ($millions) | 3.4158% | 5,170 |
| Cash dividends to net income (ytd only)* | 94.8875% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8496% | 6,367 |
| Loan loss allowance to noncurrent loans | 26.2829% | 6,156 |
| Noncurrent assets plus other real estate owned to assets | 2.0200% | 2,318 |
| Noncurrent loans to loans | 3.2324% | 1,513 |
| Net loans and leases to total assets | 60.8426% | 3,278 |
| Net loans and leases to deposits | 69.5045% | 3,574 |
| Net loans and leases to core deposits | 70.3288% | 4,033 |
| Total domestic deposits to total assets | 87.5377% | 2,611 |
| Equity capital to assets | 10.2035% | 3,900 |
| Core capital (leverage) ratio | 10.1646% | 3,191 |
| Tier 1 risk-based capital ratio | 16.0700% | 3,225 |
| Total risk-based capital ratio | 16.9160% | 3,407 |
| Memoranda: | ||
| Average total assets | $444,172,000 | 1,511 |
| Average earning assets | $400,254,000 | 1,528 |
| Average equity | $45,297,000 | 1,580 |
| Average total loans | $274,994,000 | 1,545 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4711% | 3,521 |
| Cost of funding earning assets | 0.8996% | 1,939 |
| Net interest margin | 3.5714% | 4,222 |
| Noninterest income to average assets | 0.9685% | 1,638 |
| Noninterest expense to average assets | 2.8999% | 3,642 |
| Loan and lease loss provision to assets | 0.3148% | 2,173 |
| Net operating income to assets | 0.7772% | 3,383 |
| Return on assets (ROA) | 0.7775% | 3,635 |
| Pretax return on assets | 0.9852% | 3,596 |
| Return on Equity (ROE) | 7.8911% | 3,137 |
| Retained earnings to average equity (ytd only) | 1.5669% | 5,087 |
| Net charge-offs to loans | 0.3758% | 2,754 |
| Credit loss provision to net charge-offs | 132.9877% | 2,108 |
| Earnings coverage of net charge-offs (x) | 5.4901% | 3,024 |
| Efficiency ratio | 69.0538% | 3,966 |
| Assets per employee ($millions) | 3.2911% | 5,434 |
| Cash dividends to net income (ytd only)* | 80.1435% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1823% | 5,203 |
| Loan loss allowance to noncurrent loans | 34.2199% | 5,884 |
| Noncurrent assets plus other real estate owned to assets | 2.2544% | 2,177 |
| Noncurrent loans to loans | 3.4551% | 1,452 |
| Net loans and leases to total assets | 61.7204% | 3,297 |
| Net loans and leases to deposits | 70.8609% | 3,583 |
| Net loans and leases to core deposits | 71.6218% | 4,089 |
| Total domestic deposits to total assets | 87.1008% | 2,778 |
| Equity capital to assets | 10.1926% | 3,899 |
| Core capital (leverage) ratio | 9.9921% | 3,413 |
| Tier 1 risk-based capital ratio | 15.6346% | 3,359 |
| Total risk-based capital ratio | 16.7911% | 3,363 |
| Memoranda: | ||
| Average total assets | $448,224,600 | 1,473 |
| Average earning assets | $405,497,000 | 1,487 |
| Average equity | $44,163,600 | 1,583 |
| Average total loans | $282,295,800 | 1,477 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4957% | 3,653 |
| Cost of funding earning assets | 0.9137% | 2,081 |
| Net interest margin | 3.5821% | 4,313 |
| Noninterest income to average assets | 0.9819% | 1,552 |
| Noninterest expense to average assets | 2.8693% | 3,715 |
| Loan and lease loss provision to assets | 0.3672% | 1,771 |
| Net operating income to assets | 0.7867% | 3,520 |
| Return on assets (ROA) | 0.7871% | 3,757 |
| Pretax return on assets | 0.9973% | 3,728 |
| Return on Equity (ROE) | 8.0575% | 3,260 |
| Retained earnings to average equity (ytd only) | 2.4033% | 5,129 |
| Net charge-offs to loans | 0.3518% | 2,696 |
| Credit loss provision to net charge-offs | 165.3743% | 1,690 |
| Earnings coverage of net charge-offs (x) | 6.1430% | 2,842 |
| Efficiency ratio | 67.7815% | 4,108 |
| Assets per employee ($millions) | 3.3597% | 5,305 |
| Cash dividends to net income (ytd only)* | 70.1734% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2282% | 5,156 |
| Loan loss allowance to noncurrent loans | 35.3342% | 5,878 |
| Noncurrent assets plus other real estate owned to assets | 2.3527% | 2,260 |
| Noncurrent loans to loans | 3.4760% | 1,562 |
| Net loans and leases to total assets | 61.0918% | 3,555 |
| Net loans and leases to deposits | 69.8458% | 3,910 |
| Net loans and leases to core deposits | 70.9941% | 4,378 |
| Total domestic deposits to total assets | 87.4667% | 2,371 |
| Equity capital to assets | 9.9649% | 4,540 |
| Core capital (leverage) ratio | 9.8971% | 3,692 |
| Tier 1 risk-based capital ratio | 15.9078% | 3,319 |
| Total risk-based capital ratio | 17.1330% | 3,300 |
| Memoranda: | ||
| Average total assets | $449,207,750 | 1,484 |
| Average earning assets | $407,724,750 | 1,499 |
| Average equity | $43,883,250 | 1,603 |
| Average total loans | $283,494,750 | 1,485 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5572% | 3,540 |
| Cost of funding earning assets | 0.9302% | 2,183 |
| Net interest margin | 3.6271% | 4,158 |
| Noninterest income to average assets | 0.9432% | 1,636 |
| Noninterest expense to average assets | 2.8542% | 3,807 |
| Loan and lease loss provision to assets | 0.5244% | 1,191 |
| Net operating income to assets | 0.6966% | 3,889 |
| Return on assets (ROA) | 0.6973% | 4,149 |
| Pretax return on assets | 0.8613% | 4,229 |
| Return on Equity (ROE) | 7.1860% | 3,676 |
| Retained earnings to average equity (ytd only) | -1.3591% | 6,261 |
| Net charge-offs to loans | 0.1234% | 3,939 |
| Credit loss provision to net charge-offs | 668.7500% | 477 |
| Earnings coverage of net charge-offs (x) | 17.6591% | 1,517 |
| Efficiency ratio | 67.3324% | 4,268 |
| Assets per employee ($millions) | 3.4094% | 5,196 |
| Cash dividends to net income (ytd only)* | 118.9137% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4021% | 4,458 |
| Loan loss allowance to noncurrent loans | 39.0157% | 5,704 |
| Noncurrent assets plus other real estate owned to assets | 2.3187% | 2,414 |
| Noncurrent loans to loans | 3.5936% | 1,594 |
| Net loans and leases to total assets | 60.5247% | 3,731 |
| Net loans and leases to deposits | 68.6271% | 4,102 |
| Net loans and leases to core deposits | 69.5958% | 4,578 |
| Total domestic deposits to total assets | 88.1936% | 2,020 |
| Equity capital to assets | 9.5547% | 4,977 |
| Core capital (leverage) ratio | 9.6338% | 3,945 |
| Tier 1 risk-based capital ratio | 15.7830% | 3,286 |
| Total risk-based capital ratio | 17.0407% | 3,254 |
| Memoranda: | ||
| Average total assets | $448,876,670 | 1,485 |
| Average earning assets | $407,878,000 | 1,495 |
| Average equity | $43,557,000 | 1,606 |
| Average total loans | $285,174,330 | 1,481 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6507% | 3,263 |
| Cost of funding earning assets | 0.9618% | 2,223 |
| Net interest margin | 3.6889% | 3,879 |
| Noninterest income to average assets | 0.8838% | 1,820 |
| Noninterest expense to average assets | 2.9032% | 3,611 |
| Loan and lease loss provision to assets | 0.9962% | 419 |
| Net operating income to assets | 0.3372% | 5,527 |
| Return on assets (ROA) | 0.3372% | 5,701 |
| Pretax return on assets | 0.3363% | 5,890 |
| Return on Equity (ROE) | 3.4475% | 5,534 |
| Retained earnings to average equity (ytd only) | -5.1023% | 6,586 |
| Net charge-offs to loans | 0.2170% | 2,841 |
| Credit loss provision to net charge-offs | 710.2564% | 496 |
| Earnings coverage of net charge-offs (x) | 9.5000% | 1,837 |
| Efficiency ratio | 68.5417% | 4,063 |
| Assets per employee ($millions) | 3.3446% | 5,465 |
| Cash dividends to net income (ytd only)* | 248.0000% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3605% | 4,765 |
| Loan loss allowance to noncurrent loans | 40.2258% | 5,603 |
| Noncurrent assets plus other real estate owned to assets | 2.2850% | 2,608 |
| Noncurrent loans to loans | 3.3823% | 1,868 |
| Net loans and leases to total assets | 62.8142% | 3,088 |
| Net loans and leases to deposits | 71.3325% | 3,538 |
| Net loans and leases to core deposits | 72.3602% | 4,092 |
| Total domestic deposits to total assets | 88.0583% | 2,279 |
| Equity capital to assets | 9.6440% | 4,595 |
| Core capital (leverage) ratio | 9.8349% | 3,591 |
| Tier 1 risk-based capital ratio | 15.5355% | 3,427 |
| Total risk-based capital ratio | 16.7940% | 3,398 |
| Memoranda: | ||
| Average total assets | $444,888,500 | 1,495 |
| Average earning assets | $404,244,000 | 1,505 |
| Average equity | $43,510,000 | 1,607 |
| Average total loans | $287,541,000 | 1,475 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0012% | 2,874 |
| Cost of funding earning assets | 1.1489% | 2,359 |
| Net interest margin | 3.8523% | 3,557 |
| Noninterest income to average assets | 0.8461% | 1,862 |
| Noninterest expense to average assets | 2.8823% | 4,033 |
| Loan and lease loss provision to assets | 0.0825% | 5,581 |
| Net operating income to assets | 1.0300% | 2,086 |
| Return on assets (ROA) | 1.0310% | 2,233 |
| Pretax return on assets | 1.3724% | 1,868 |
| Return on Equity (ROE) | 10.2600% | 1,968 |
| Retained earnings to average equity (ytd only) | 0.7488% | 5,503 |
| Net charge-offs to loans | 0.0874% | 5,459 |
| Credit loss provision to net charge-offs | 141.6342% | 2,060 |
| Earnings coverage of net charge-offs (x) | 24.9533% | 984 |
| Efficiency ratio | 66.4767% | 4,669 |
| Assets per employee ($millions) | 3.2711% | 5,578 |
| Cash dividends to net income (ytd only)* | 92.7017% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0118% | 6,160 |
| Loan loss allowance to noncurrent loans | 27.4258% | 6,331 |
| Noncurrent assets plus other real estate owned to assets | 2.5168% | 2,415 |
| Noncurrent loans to loans | 3.6892% | 1,711 |
| Net loans and leases to total assets | 64.9342% | 3,001 |
| Net loans and leases to deposits | 74.1525% | 3,472 |
| Net loans and leases to core deposits | 74.8480% | 4,124 |
| Total domestic deposits to total assets | 87.5684% | 2,431 |
| Equity capital to assets | 9.9180% | 4,278 |
| Core capital (leverage) ratio | 9.9056% | 3,447 |
| Tier 1 risk-based capital ratio | 15.9075% | 3,088 |
| Total risk-based capital ratio | 16.9745% | 3,162 |
| Memoranda: | ||
| Average total assets | $441,205,200 | 1,480 |
| Average earning assets | $399,686,400 | 1,490 |
| Average equity | $44,337,200 | 1,530 |
| Average total loans | $293,919,200 | 1,444 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0258% | 2,966 |
| Cost of funding earning assets | 1.1838% | 2,422 |
| Net interest margin | 3.8419% | 3,658 |
| Noninterest income to average assets | 0.8539% | 1,823 |
| Noninterest expense to average assets | 2.8670% | 4,072 |
| Loan and lease loss provision to assets | 0.0798% | 5,447 |
| Net operating income to assets | 1.0424% | 2,166 |
| Return on assets (ROA) | 1.0437% | 2,315 |
| Pretax return on assets | 1.3913% | 1,964 |
| Return on Equity (ROE) | 10.3523% | 2,084 |
| Retained earnings to average equity (ytd only) | 0.9564% | 5,622 |
| Net charge-offs to loans | 0.0818% | 5,158 |
| Credit loss provision to net charge-offs | 145.8564% | 2,166 |
| Earnings coverage of net charge-offs (x) | 26.8560% | 1,007 |
| Efficiency ratio | 66.1160% | 4,697 |
| Assets per employee ($millions) | 3.2308% | 5,606 |
| Cash dividends to net income (ytd only)* | 90.7617% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9943% | 6,305 |
| Loan loss allowance to noncurrent loans | 36.8301% | 5,832 |
| Noncurrent assets plus other real estate owned to assets | 1.8048% | 3,389 |
| Noncurrent loans to loans | 2.6998% | 2,588 |
| Net loans and leases to total assets | 64.4533% | 3,218 |
| Net loans and leases to deposits | 73.2488% | 3,773 |
| Net loans and leases to core deposits | 74.3560% | 4,399 |
| Total domestic deposits to total assets | 87.9923% | 2,035 |
| Equity capital to assets | 10.0312% | 4,298 |
| Core capital (leverage) ratio | 9.8124% | 3,692 |
| Tier 1 risk-based capital ratio | 15.7695% | 3,237 |
| Total risk-based capital ratio | 16.8185% | 3,309 |
| Memoranda: | ||
| Average total assets | $441,106,250 | 1,491 |
| Average earning assets | $399,823,500 | 1,507 |
| Average equity | $44,472,000 | 1,529 |
| Average total loans | $294,978,750 | 1,456 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0919% | 2,721 |
| Cost of funding earning assets | 1.1997% | 2,589 |
| Net interest margin | 3.8922% | 3,354 |
| Noninterest income to average assets | 0.8612% | 1,767 |
| Noninterest expense to average assets | 2.9121% | 3,976 |
| Loan and lease loss provision to assets | 0.0931% | 5,164 |
| Net operating income to assets | 1.0371% | 2,077 |
| Return on assets (ROA) | 1.0391% | 2,169 |
| Pretax return on assets | 1.3826% | 1,850 |
| Return on Equity (ROE) | 10.2891% | 2,017 |
| Retained earnings to average equity (ytd only) | 0.3433% | 5,709 |
| Net charge-offs to loans | 0.0994% | 4,686 |
| Credit loss provision to net charge-offs | 138.7755% | 2,197 |
| Earnings coverage of net charge-offs (x) | 21.9660% | 1,134 |
| Efficiency ratio | 66.4101% | 4,795 |
| Assets per employee ($millions) | 3.2574% | 5,507 |
| Cash dividends to net income (ytd only)* | 96.6637% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9866% | 6,385 |
| Loan loss allowance to noncurrent loans | 39.8203% | 5,664 |
| Noncurrent assets plus other real estate owned to assets | 1.6578% | 3,696 |
| Noncurrent loans to loans | 2.4777% | 2,907 |
| Net loans and leases to total assets | 64.7886% | 3,296 |
| Net loans and leases to deposits | 73.4424% | 3,887 |
| Net loans and leases to core deposits | 74.5375% | 4,502 |
| Total domestic deposits to total assets | 88.2168% | 2,004 |
| Equity capital to assets | 9.9952% | 4,160 |
| Core capital (leverage) ratio | 9.8295% | 3,479 |
| Tier 1 risk-based capital ratio | 16.1096% | 2,925 |
| Total risk-based capital ratio | 17.1822% | 2,982 |
| Memoranda: | ||
| Average total assets | $438,448,330 | 1,513 |
| Average earning assets | $396,943,000 | 1,525 |
| Average equity | $44,280,000 | 1,518 |
| Average total loans | $295,853,670 | 1,468 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1666% | 2,367 |
| Cost of funding earning assets | 1.2044% | 2,783 |
| Net interest margin | 3.9622% | 2,860 |
| Noninterest income to average assets | 0.8772% | 1,740 |
| Noninterest expense to average assets | 2.8913% | 4,094 |
| Loan and lease loss provision to assets | 0.0810% | 4,995 |
| Net operating income to assets | 1.1077% | 1,815 |
| Return on assets (ROA) | 1.1111% | 1,860 |
| Pretax return on assets | 1.4949% | 1,462 |
| Return on Equity (ROE) | 10.9435% | 1,758 |
| Retained earnings to average equity (ytd only) | -0.1632% | 5,818 |
| Net charge-offs to loans | 0.0161% | 4,852 |
| Credit loss provision to net charge-offs | 733.3333% | 526 |
| Earnings coverage of net charge-offs (x) | 142.2500% | 217 |
| Efficiency ratio | 64.7896% | 5,218 |
| Assets per employee ($millions) | 3.2520% | 5,589 |
| Cash dividends to net income (ytd only)* | 101.4913% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9750% | 6,480 |
| Loan loss allowance to noncurrent loans | 46.0391% | 5,242 |
| Noncurrent assets plus other real estate owned to assets | 1.5122% | 3,985 |
| Noncurrent loans to loans | 2.1177% | 3,421 |
| Net loans and leases to total assets | 67.0931% | 2,734 |
| Net loans and leases to deposits | 76.2070% | 3,383 |
| Net loans and leases to core deposits | 77.3666% | 4,105 |
| Total domestic deposits to total assets | 88.0406% | 2,351 |
| Equity capital to assets | 10.0361% | 3,734 |
| Core capital (leverage) ratio | 10.1041% | 3,029 |
| Tier 1 risk-based capital ratio | 16.1732% | 2,823 |
| Total risk-based capital ratio | 17.2632% | 2,871 |
| Memoranda: | ||
| Average total assets | $434,540,500 | 1,530 |
| Average earning assets | $393,217,500 | 1,546 |
| Average equity | $44,117,500 | 1,512 |
| Average total loans | $297,776,000 | 1,475 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5265% | 2,176 |
| Cost of funding earning assets | 1.4120% | 3,190 |
| Net interest margin | 4.1145% | 2,504 |
| Noninterest income to average assets | 0.8531% | 2,044 |
| Noninterest expense to average assets | 2.9108% | 4,183 |
| Loan and lease loss provision to assets | 0.1712% | 5,510 |
| Net operating income to assets | 1.1046% | 1,692 |
| Return on assets (ROA) | 1.1099% | 1,755 |
| Pretax return on assets | 1.4816% | 1,421 |
| Return on Equity (ROE) | 10.7484% | 1,665 |
| Retained earnings to average equity (ytd only) | 0.6398% | 5,257 |
| Net charge-offs to loans | 0.2073% | 5,049 |
| Credit loss provision to net charge-offs | 116.5094% | 3,689 |
| Earnings coverage of net charge-offs (x) | 11.2013% | 1,627 |
| Efficiency ratio | 63.8834% | 5,374 |
| Assets per employee ($millions) | 3.2094% | 5,645 |
| Cash dividends to net income (ytd only)* | 94.0479% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9473% | 6,584 |
| Loan loss allowance to noncurrent loans | 40.5747% | 5,603 |
| Noncurrent assets plus other real estate owned to assets | 1.7142% | 3,732 |
| Noncurrent loans to loans | 2.3348% | 3,186 |
| Net loans and leases to total assets | 68.6591% | 2,824 |
| Net loans and leases to deposits | 78.3555% | 3,456 |
| Net loans and leases to core deposits | 79.1013% | 4,335 |
| Total domestic deposits to total assets | 87.6251% | 2,465 |
| Equity capital to assets | 10.2717% | 3,417 |
| Core capital (leverage) ratio | 10.1916% | 2,873 |
| Tier 1 risk-based capital ratio | 16.3823% | 2,576 |
| Total risk-based capital ratio | 17.4562% | 2,614 |
| Memoranda: | ||
| Average total assets | $432,911,600 | 1,543 |
| Average earning assets | $389,648,800 | 1,545 |
| Average equity | $44,704,200 | 1,496 |
| Average total loans | $306,746,000 | 1,459 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5668% | 2,189 |
| Cost of funding earning assets | 1.4565% | 3,235 |
| Net interest margin | 4.1103% | 2,584 |
| Noninterest income to average assets | 0.8656% | 1,930 |
| Noninterest expense to average assets | 2.9180% | 4,018 |
| Loan and lease loss provision to assets | 0.1959% | 5,079 |
| Net operating income to assets | 1.0869% | 1,933 |
| Return on assets (ROA) | 1.0940% | 2,013 |
| Pretax return on assets | 1.4611% | 1,720 |
| Return on Equity (ROE) | 10.5804% | 1,914 |
| Retained earnings to average equity (ytd only) | 0.7196% | 5,513 |
| Net charge-offs to loans | 0.2352% | 4,531 |
| Credit loss provision to net charge-offs | 116.8807% | 3,556 |
| Earnings coverage of net charge-offs (x) | 9.8312% | 1,958 |
| Efficiency ratio | 63.9143% | 5,253 |
| Assets per employee ($millions) | 3.0898% | 5,941 |
| Cash dividends to net income (ytd only)* | 93.1984% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9239% | 6,661 |
| Loan loss allowance to noncurrent loans | 44.4076% | 5,311 |
| Noncurrent assets plus other real estate owned to assets | 1.6004% | 4,047 |
| Noncurrent loans to loans | 2.0805% | 3,590 |
| Net loans and leases to total assets | 70.6973% | 2,566 |
| Net loans and leases to deposits | 80.8797% | 3,293 |
| Net loans and leases to core deposits | 81.0872% | 4,371 |
| Total domestic deposits to total assets | 87.4105% | 2,311 |
| Equity capital to assets | 10.5628% | 3,455 |
| Core capital (leverage) ratio | 9.8895% | 3,369 |
| Tier 1 risk-based capital ratio | 16.1945% | 2,673 |
| Total risk-based capital ratio | 17.2464% | 2,715 |
| Memoranda: | ||
| Average total assets | $433,623,500 | 1,562 |
| Average earning assets | $390,331,250 | 1,570 |
| Average equity | $44,836,500 | 1,495 |
| Average total loans | $308,907,000 | 1,473 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5952% | 2,153 |
| Cost of funding earning assets | 1.5021% | 3,248 |
| Net interest margin | 4.0931% | 2,589 |
| Noninterest income to average assets | 0.8715% | 1,796 |
| Noninterest expense to average assets | 2.9167% | 4,015 |
| Loan and lease loss provision to assets | 0.2601% | 4,329 |
| Net operating income to assets | 1.0360% | 2,059 |
| Return on assets (ROA) | 1.0453% | 2,102 |
| Pretax return on assets | 1.3880% | 1,864 |
| Return on Equity (ROE) | 10.1812% | 2,032 |
| Retained earnings to average equity (ytd only) | 0.0357% | 5,720 |
| Net charge-offs to loans | 0.1971% | 4,426 |
| Credit loss provision to net charge-offs | 185.2941% | 2,125 |
| Earnings coverage of net charge-offs (x) | 11.6536% | 1,751 |
| Efficiency ratio | 64.0705% | 5,325 |
| Assets per employee ($millions) | 3.1766% | 5,729 |
| Cash dividends to net income (ytd only)* | 99.6490% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9673% | 6,534 |
| Loan loss allowance to noncurrent loans | 49.3377% | 5,001 |
| Noncurrent assets plus other real estate owned to assets | 1.4453% | 4,293 |
| Noncurrent loans to loans | 1.9606% | 3,775 |
| Net loans and leases to total assets | 69.5968% | 2,994 |
| Net loans and leases to deposits | 80.3520% | 3,542 |
| Net loans and leases to core deposits | 80.5791% | 4,615 |
| Total domestic deposits to total assets | 86.6149% | 2,745 |
| Equity capital to assets | 10.2173% | 3,746 |
| Core capital (leverage) ratio | 9.9670% | 3,204 |
| Tier 1 risk-based capital ratio | 15.6467% | 2,825 |
| Total risk-based capital ratio | 16.7343% | 2,868 |
| Memoranda: | ||
| Average total assets | $436,033,330 | 1,562 |
| Average earning assets | $392,119,670 | 1,581 |
| Average equity | $44,769,000 | 1,487 |
| Average total loans | $310,456,000 | 1,480 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6874% | 1,819 |
| Cost of funding earning assets | 1.5983% | 2,974 |
| Net interest margin | 4.0891% | 2,486 |
| Noninterest income to average assets | 0.8784% | 1,704 |
| Noninterest expense to average assets | 2.8644% | 4,206 |
| Loan and lease loss provision to assets | 0.2622% | 3,944 |
| Net operating income to assets | 1.0578% | 1,974 |
| Return on assets (ROA) | 1.0661% | 2,021 |
| Pretax return on assets | 1.4294% | 1,696 |
| Return on Equity (ROE) | 10.3578% | 1,996 |
| Retained earnings to average equity (ytd only) | 2.6185% | 4,575 |
| Net charge-offs to loans | 0.1810% | 3,837 |
| Credit loss provision to net charge-offs | 202.1277% | 1,834 |
| Earnings coverage of net charge-offs (x) | 12.9574% | 1,531 |
| Efficiency ratio | 63.0237% | 5,657 |
| Assets per employee ($millions) | 3.3069% | 5,528 |
| Cash dividends to net income (ytd only)* | 74.7196% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9186% | 6,779 |
| Loan loss allowance to noncurrent loans | 85.9244% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 0.8363% | 5,483 |
| Noncurrent loans to loans | 1.0691% | 5,208 |
| Net loans and leases to total assets | 71.2836% | 2,624 |
| Net loans and leases to deposits | 82.3636% | 3,221 |
| Net loans and leases to core deposits | 83.8811% | 4,215 |
| Total domestic deposits to total assets | 86.5475% | 2,875 |
| Equity capital to assets | 10.3793% | 3,368 |
| Core capital (leverage) ratio | 10.1028% | 3,039 |
| Tier 1 risk-based capital ratio | 15.7530% | 2,752 |
| Total risk-based capital ratio | 16.8002% | 2,792 |
| Memoranda: | ||
| Average total assets | $434,862,500 | 1,607 |
| Average earning assets | $389,917,000 | 1,625 |
| Average equity | $44,758,500 | 1,504 |
| Average total loans | $311,646,500 | 1,513 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0073% | 1,834 |
| Cost of funding earning assets | 1.8836% | 3,542 |
| Net interest margin | 4.1237% | 2,350 |
| Noninterest income to average assets | 0.9705% | 1,664 |
| Noninterest expense to average assets | 2.9180% | 4,472 |
| Loan and lease loss provision to assets | 0.1462% | 6,193 |
| Net operating income to assets | 1.1908% | 1,266 |
| Return on assets (ROA) | 1.1821% | 1,340 |
| Pretax return on assets | 1.6088% | 947 |
| Return on Equity (ROE) | 11.6265% | 1,259 |
| Retained earnings to average equity (ytd only) | 2.9943% | 3,070 |
| Net charge-offs to loans | 0.1665% | 5,620 |
| Credit loss provision to net charge-offs | 121.0425% | 4,409 |
| Earnings coverage of net charge-offs (x) | 14.6313% | 1,358 |
| Efficiency ratio | 62.2860% | 6,109 |
| Assets per employee ($millions) | 3.1632% | 5,815 |
| Cash dividends to net income (ytd only)* | 74.2457% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8725% | 6,912 |
| Loan loss allowance to noncurrent loans | 81.1642% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 0.8765% | 5,359 |
| Noncurrent loans to loans | 1.0750% | 5,169 |
| Net loans and leases to total assets | 70.7658% | 3,064 |
| Net loans and leases to deposits | 81.7465% | 3,656 |
| Net loans and leases to core deposits | 91.0071% | 5,011 |
| Total domestic deposits to total assets | 86.5674% | 2,724 |
| Equity capital to assets | 10.2065% | 3,501 |
| Core capital (leverage) ratio | 10.0086% | 3,082 |
| Tier 1 risk-based capital ratio | 15.5594% | 2,691 |
| Total risk-based capital ratio | 16.5443% | 2,760 |
| Memoranda: | ||
| Average total assets | $428,965,200 | 1,615 |
| Average earning assets | $386,380,400 | 1,628 |
| Average equity | $43,616,000 | 1,537 |
| Average total loans | $311,017,800 | 1,539 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0591% | 1,801 |
| Cost of funding earning assets | 1.9305% | 3,717 |
| Net interest margin | 4.1285% | 2,292 |
| Noninterest income to average assets | 0.9934% | 1,631 |
| Noninterest expense to average assets | 2.9362% | 4,293 |
| Loan and lease loss provision to assets | 0.1177% | 6,189 |
| Net operating income to assets | 1.2307% | 1,396 |
| Return on assets (ROA) | 1.2138% | 1,491 |
| Pretax return on assets | 1.6509% | 1,066 |
| Return on Equity (ROE) | 11.9495% | 1,367 |
| Retained earnings to average equity (ytd only) | 3.0488% | 3,623 |
| Net charge-offs to loans | 0.1638% | 5,077 |
| Credit loss provision to net charge-offs | 98.6911% | 5,185 |
| Earnings coverage of net charge-offs (x) | 15.0210% | 1,556 |
| Efficiency ratio | 62.1079% | 6,085 |
| Assets per employee ($millions) | 3.1222% | 5,850 |
| Cash dividends to net income (ytd only)* | 74.4857% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8378% | 6,999 |
| Loan loss allowance to noncurrent loans | 77.5067% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 0.8820% | 5,314 |
| Noncurrent loans to loans | 1.0809% | 5,145 |
| Net loans and leases to total assets | 71.5632% | 3,142 |
| Net loans and leases to deposits | 82.6884% | 3,893 |
| Net loans and leases to core deposits | 93.0300% | 5,134 |
| Total domestic deposits to total assets | 86.5457% | 2,408 |
| Equity capital to assets | 10.2273% | 3,812 |
| Core capital (leverage) ratio | 9.8425% | 3,464 |
| Tier 1 risk-based capital ratio | 15.8333% | 2,690 |
| Total risk-based capital ratio | 16.8014% | 2,735 |
| Memoranda: | ||
| Average total assets | $427,075,000 | 1,637 |
| Average earning assets | $386,276,250 | 1,652 |
| Average equity | $43,381,500 | 1,562 |
| Average total loans | $310,864,750 | 1,563 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1390% | 1,653 |
| Cost of funding earning assets | 1.9639% | 3,947 |
| Net interest margin | 4.1751% | 2,077 |
| Noninterest income to average assets | 1.0714% | 1,381 |
| Noninterest expense to average assets | 3.0173% | 4,016 |
| Loan and lease loss provision to assets | 0.0996% | 6,178 |
| Net operating income to assets | 1.2622% | 1,325 |
| Return on assets (ROA) | 1.2372% | 1,468 |
| Pretax return on assets | 1.6956% | 1,026 |
| Return on Equity (ROE) | 12.2075% | 1,360 |
| Retained earnings to average equity (ytd only) | 2.8086% | 3,758 |
| Net charge-offs to loans | 0.2098% | 4,198 |
| Credit loss provision to net charge-offs | 65.0307% | 5,508 |
| Earnings coverage of net charge-offs (x) | 11.9479% | 1,858 |
| Efficiency ratio | 62.2541% | 6,212 |
| Assets per employee ($millions) | 3.1616% | 5,689 |
| Cash dividends to net income (ytd only)* | 76.9932% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8111% | 7,114 |
| Loan loss allowance to noncurrent loans | 96.8568% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 0.7375% | 5,575 |
| Noncurrent loans to loans | 0.8374% | 5,546 |
| Net loans and leases to total assets | 70.9918% | 3,466 |
| Net loans and leases to deposits | 81.9846% | 4,226 |
| Net loans and leases to core deposits | 92.1804% | 5,330 |
| Total domestic deposits to total assets | 86.5916% | 2,458 |
| Equity capital to assets | 10.0973% | 3,816 |
| Core capital (leverage) ratio | 9.8685% | 3,430 |
| Tier 1 risk-based capital ratio | 15.5850% | 2,780 |
| Total risk-based capital ratio | 16.5079% | 2,833 |
| Memoranda: | ||
| Average total assets | $425,814,330 | 1,668 |
| Average earning assets | $385,044,000 | 1,681 |
| Average equity | $43,153,670 | 1,577 |
| Average total loans | $310,839,670 | 1,593 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1912% | 1,627 |
| Cost of funding earning assets | 2.0083% | 4,087 |
| Net interest margin | 4.1829% | 1,963 |
| Noninterest income to average assets | 1.1271% | 1,161 |
| Noninterest expense to average assets | 2.9868% | 3,825 |
| Loan and lease loss provision to assets | 0.1274% | 5,327 |
| Net operating income to assets | 1.3008% | 1,380 |
| Return on assets (ROA) | 1.3008% | 1,477 |
| Pretax return on assets | 1.7879% | 1,000 |
| Return on Equity (ROE) | 12.8119% | 1,435 |
| Retained earnings to average equity (ytd only) | 3.9514% | 3,698 |
| Net charge-offs to loans | 0.2727% | 3,030 |
| Credit loss provision to net charge-offs | 63.3803% | 4,465 |
| Earnings coverage of net charge-offs (x) | 9.5258% | 2,050 |
| Efficiency ratio | 60.9282% | 6,265 |
| Assets per employee ($millions) | 3.0569% | 6,002 |
| Cash dividends to net income (ytd only)* | 69.1582% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8177% | 7,092 |
| Loan loss allowance to noncurrent loans | 152.3466% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.5387% | 5,868 |
| Noncurrent loans to loans | 0.5367% | 6,077 |
| Net loans and leases to total assets | 72.2773% | 3,182 |
| Net loans and leases to deposits | 83.7321% | 4,022 |
| Net loans and leases to core deposits | 94.0483% | 5,143 |
| Total domestic deposits to total assets | 86.3198% | 2,541 |
| Equity capital to assets | 10.1783% | 3,782 |
| Core capital (leverage) ratio | 10.0639% | 3,333 |
| Tier 1 risk-based capital ratio | 15.6542% | 2,798 |
| Total risk-based capital ratio | 16.6008% | 2,852 |
| Memoranda: | ||
| Average total assets | $423,732,500 | 1,684 |
| Average earning assets | $382,416,000 | 1,703 |
| Average equity | $43,022,500 | 1,589 |
| Average total loans | $312,387,000 | 1,602 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6003% | 2,495 |
| Cost of funding earning assets | 2.3800% | 4,814 |
| Net interest margin | 4.2203% | 2,230 |
| Noninterest income to average assets | 1.0303% | 1,485 |
| Noninterest expense to average assets | 2.8168% | 4,753 |
| Loan and lease loss provision to assets | 0.0997% | 6,104 |
| Net operating income to assets | 1.3998% | 1,232 |
| Return on assets (ROA) | 1.4046% | 1,173 |
| Pretax return on assets | 1.9226% | 731 |
| Return on Equity (ROE) | 14.1933% | 1,068 |
| Retained earnings to average equity (ytd only) | 7.9471% | 858 |
| Net charge-offs to loans | 0.0432% | 6,168 |
| Credit loss provision to net charge-offs | 316.5414% | 1,425 |
| Earnings coverage of net charge-offs (x) | 64.0150% | 634 |
| Efficiency ratio | 58.2892% | 6,647 |
| Assets per employee ($millions) | 2.9969% | 6,060 |
| Cash dividends to net income (ytd only)* | 44.0081% | 3,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8282% | 6,988 |
| Loan loss allowance to noncurrent loans | 136.7208% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 0.5239% | 5,611 |
| Noncurrent loans to loans | 0.6058% | 5,555 |
| Net loans and leases to total assets | 73.9592% | 3,108 |
| Net loans and leases to deposits | 87.4863% | 3,868 |
| Net loans and leases to core deposits | 98.2264% | 5,017 |
| Total domestic deposits to total assets | 84.5381% | 3,053 |
| Equity capital to assets | 10.1280% | 3,886 |
| Core capital (leverage) ratio | 9.7801% | 3,676 |
| Tier 1 risk-based capital ratio | 15.4080% | 2,872 |
| Total risk-based capital ratio | 16.3752% | 2,914 |
| Memoranda: | ||
| Average total assets | $422,399,600 | 1,609 |
| Average earning assets | $380,544,200 | 1,634 |
| Average equity | $41,801,400 | 1,603 |
| Average total loans | $307,965,400 | 1,574 |