Home > The Ohio Valley Bank Company > Performance and Condition Ratios
The Ohio Valley Bank Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1259% | 1,807 |
| Cost of funding earning assets | 1.3083% | 2,491 |
| Net interest margin | 3.8175% | 1,542 |
| Noninterest income to average assets | 0.9200% | 737 |
| Noninterest expense to average assets | 3.1193% | 930 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 0.9309% | 2,442 |
| Return on assets (ROA) | 0.9309% | 2,417 |
| Pretax return on assets | 1.1342% | 2,303 |
| Return on Equity (ROE) | 8.9700% | 2,765 |
| Retained earnings to average equity (ytd only) | 6.1140% | 2,203 |
| Net charge-offs to loans | 0.0688% | 1,162 |
| Credit loss provision to net charge-offs | 309.4488% | 933 |
| Earnings coverage of net charge-offs (x) | 25.8079% | 1,724 |
| Efficiency ratio | 70.6400% | 1,801 |
| Assets per employee ($millions) | 5.5260% | 3,226 |
| Cash dividends to net income (ytd only)* | 31.8093% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8878% | 3,755 |
| Loan loss allowance to noncurrent loans | 351.8381% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 0.1861% | 2,294 |
| Noncurrent loans to loans | 0.2523% | 2,289 |
| Net loans and leases to total assets | 71.1100% | 1,683 |
| Net loans and leases to deposits | 83.8622% | 1,792 |
| Net loans and leases to core deposits | 97.4498% | 1,570 |
| Total domestic deposits to total assets | 84.8000% | 2,372 |
| Equity capital to assets | 10.2511% | 1,869 |
| Core capital (leverage) ratio | 10.8154% | 2,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,266,355,000 | 822 |
| Average earning assets | $1,159,098,400 | 817 |
| Average equity | $131,486,000 | 753 |
| Average total loans | $922,965,400 | 779 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0234% | 1,784 |
| Cost of funding earning assets | 1.1142% | 2,702 |
| Net interest margin | 3.9092% | 1,379 |
| Noninterest income to average assets | 0.9000% | 762 |
| Noninterest expense to average assets | 3.1872% | 836 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 0.9355% | 2,563 |
| Return on assets (ROA) | 0.9355% | 2,551 |
| Pretax return on assets | 1.1393% | 2,462 |
| Return on Equity (ROE) | 8.9800% | 2,934 |
| Retained earnings to average equity (ytd only) | 6.4171% | 2,491 |
| Net charge-offs to loans | 0.0910% | 839 |
| Credit loss provision to net charge-offs | 214.7436% | 1,074 |
| Earnings coverage of net charge-offs (x) | 19.2628% | 1,839 |
| Efficiency ratio | 71.2477% | 1,650 |
| Assets per employee ($millions) | 5.3759% | 3,280 |
| Cash dividends to net income (ytd only)* | 28.5356% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8327% | 3,915 |
| Loan loss allowance to noncurrent loans | 307.4290% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.2037% | 2,248 |
| Noncurrent loans to loans | 0.2709% | 2,269 |
| Net loans and leases to total assets | 72.6500% | 1,503 |
| Net loans and leases to deposits | 85.6425% | 1,608 |
| Net loans and leases to core deposits | 98.9989% | 1,381 |
| Total domestic deposits to total assets | 84.8300% | 2,548 |
| Equity capital to assets | 10.0563% | 1,803 |
| Core capital (leverage) ratio | 11.0592% | 1,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,248,620,000 | 835 |
| Average earning assets | $1,141,208,000 | 828 |
| Average equity | $130,085,750 | 760 |
| Average total loans | $913,831,750 | 789 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9113% | 1,742 |
| Cost of funding earning assets | 0.9158% | 2,878 |
| Net interest margin | 3.9955% | 1,250 |
| Noninterest income to average assets | 0.9400% | 633 |
| Noninterest expense to average assets | 3.2343% | 759 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.0250% | 2,340 |
| Return on assets (ROA) | 1.0250% | 2,332 |
| Pretax return on assets | 1.2523% | 2,217 |
| Return on Equity (ROE) | 9.7200% | 2,786 |
| Retained earnings to average equity (ytd only) | 7.7974% | 2,036 |
| Net charge-offs to loans | 0.1024% | 670 |
| Credit loss provision to net charge-offs | 149.3506% | 1,205 |
| Earnings coverage of net charge-offs (x) | 18.0606% | 1,770 |
| Efficiency ratio | 70.4522% | 1,724 |
| Assets per employee ($millions) | 5.2118% | 3,403 |
| Cash dividends to net income (ytd only)* | 19.7816% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7905% | 4,048 |
| Loan loss allowance to noncurrent loans | 283.9204% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 0.2133% | 2,129 |
| Noncurrent loans to loans | 0.2784% | 2,151 |
| Net loans and leases to total assets | 74.1000% | 1,280 |
| Net loans and leases to deposits | 86.1671% | 1,491 |
| Net loans and leases to core deposits | 98.2275% | 1,334 |
| Total domestic deposits to total assets | 86.0000% | 2,228 |
| Equity capital to assets | 10.4690% | 1,613 |
| Core capital (leverage) ratio | 11.1260% | 1,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,232,959,667 | 827 |
| Average earning assets | $1,126,919,000 | 831 |
| Average equity | $130,018,000 | 756 |
| Average total loans | $902,053,333 | 782 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7468% | 1,743 |
| Cost of funding earning assets | 0.6888% | 3,084 |
| Net interest margin | 4.0580% | 1,165 |
| Noninterest income to average assets | 1.0100% | 565 |
| Noninterest expense to average assets | 3.2369% | 763 |
| Loan and lease loss provision to assets | 0.1900% | 550 |
| Net operating income to assets | 1.0565% | 2,361 |
| Return on assets (ROA) | 1.0565% | 2,329 |
| Pretax return on assets | 1.2919% | 2,199 |
| Return on Equity (ROE) | 9.9800% | 2,791 |
| Retained earnings to average equity (ytd only) | 9.9815% | 1,706 |
| Net charge-offs to loans | 0.1471% | 462 |
| Credit loss provision to net charge-offs | 172.3077% | 892 |
| Earnings coverage of net charge-offs (x) | 13.9354% | 1,576 |
| Efficiency ratio | 68.5284% | 1,915 |
| Assets per employee ($millions) | 5.2498% | 3,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8297% | 4,036 |
| Loan loss allowance to noncurrent loans | 216.1910% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 0.2748% | 1,768 |
| Noncurrent loans to loans | 0.3838% | 1,781 |
| Net loans and leases to total assets | 71.0200% | 1,519 |
| Net loans and leases to deposits | 81.7313% | 1,677 |
| Net loans and leases to core deposits | 91.6665% | 1,521 |
| Total domestic deposits to total assets | 86.9000% | 2,304 |
| Equity capital to assets | 10.4524% | 1,588 |
| Core capital (leverage) ratio | 11.2248% | 1,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,221,420,500 | 855 |
| Average earning assets | $1,115,615,000 | 851 |
| Average equity | $129,279,500 | 768 |
| Average total loans | $883,981,500 | 808 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0347% | 1,626 |
| Cost of funding earning assets | 0.2235% | 3,568 |
| Net interest margin | 3.8112% | 1,139 |
| Noninterest income to average assets | 0.8900% | 806 |
| Noninterest expense to average assets | 3.0650% | 877 |
| Loan and lease loss provision to assets | -0.0100% | 4,279 |
| Net operating income to assets | 1.0947% | 2,196 |
| Return on assets (ROA) | 0.9908% | 2,551 |
| Pretax return on assets | 1.1996% | 2,438 |
| Return on Equity (ROE) | 9.5200% | 2,963 |
| Retained earnings to average equity (ytd only) | 7.1730% | 2,163 |
| Net charge-offs to loans | 0.1327% | 597 |
| Credit loss provision to net charge-offs | -8.9767% | 4,547 |
| Earnings coverage of net charge-offs (x) | 14.5153% | 2,025 |
| Efficiency ratio | 69.8870% | 1,698 |
| Assets per employee ($millions) | 4.7735% | 3,837 |
| Cash dividends to net income (ytd only)* | 24.6528% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5659% | 4,373 |
| Loan loss allowance to noncurrent loans | 134.6322% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 0.3075% | 1,623 |
| Noncurrent loans to loans | 0.4203% | 1,667 |
| Net loans and leases to total assets | 72.7500% | 1,337 |
| Net loans and leases to deposits | 84.0636% | 1,471 |
| Net loans and leases to core deposits | 87.5274% | 1,646 |
| Total domestic deposits to total assets | 86.5400% | 2,557 |
| Equity capital to assets | 10.7225% | 1,365 |
| Core capital (leverage) ratio | 10.9979% | 1,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,228,187,200 | 843 |
| Average earning assets | $1,124,189,200 | 841 |
| Average equity | $127,826,800 | 772 |
| Average total loans | $839,409,000 | 793 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8604% | 1,582 |
| Cost of funding earning assets | 0.2142% | 3,100 |
| Net interest margin | 3.6462% | 1,283 |
| Noninterest income to average assets | 0.8900% | 844 |
| Noninterest expense to average assets | 3.1273% | 747 |
| Loan and lease loss provision to assets | -0.0800% | 4,553 |
| Net operating income to assets | 0.9570% | 2,635 |
| Return on assets (ROA) | 0.9570% | 2,606 |
| Pretax return on assets | 1.1764% | 2,466 |
| Return on Equity (ROE) | 9.2600% | 2,950 |
| Retained earnings to average equity (ytd only) | 7.1760% | 2,309 |
| Net charge-offs to loans | 0.1561% | 417 |
| Credit loss provision to net charge-offs | -71.9424% | 4,635 |
| Earnings coverage of net charge-offs (x) | 10.4964% | 1,981 |
| Efficiency ratio | 73.8917% | 1,285 |
| Assets per employee ($millions) | 5.1456% | 3,550 |
| Cash dividends to net income (ytd only)* | 22.5276% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5308% | 4,447 |
| Loan loss allowance to noncurrent loans | 117.7305% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 0.3083% | 1,713 |
| Noncurrent loans to loans | 0.4508% | 1,683 |
| Net loans and leases to total assets | 68.0200% | 1,675 |
| Net loans and leases to deposits | 77.8660% | 1,723 |
| Net loans and leases to core deposits | 80.7617% | 1,852 |
| Total domestic deposits to total assets | 87.3500% | 2,644 |
| Equity capital to assets | 9.8614% | 1,685 |
| Core capital (leverage) ratio | 10.5536% | 2,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,236,889,250 | 837 |
| Average earning assets | $1,133,325,250 | 840 |
| Average equity | $127,793,500 | 782 |
| Average total loans | $830,977,250 | 800 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6683% | 1,626 |
| Cost of funding earning assets | 0.2154% | 2,700 |
| Net interest margin | 3.4529% | 1,442 |
| Noninterest income to average assets | 0.9032% | 843 |
| Noninterest expense to average assets | 3.0766% | 757 |
| Loan and lease loss provision to assets | -0.0485% | 4,513 |
| Net operating income to assets | 0.8519% | 2,765 |
| Return on assets (ROA) | 0.8519% | 2,743 |
| Pretax return on assets | 1.0435% | 2,592 |
| Return on Equity (ROE) | 8.1219% | 2,988 |
| Retained earnings to average equity (ytd only) | 6.5810% | 2,147 |
| Net charge-offs to loans | 0.2347% | 276 |
| Credit loss provision to net charge-offs | -30.9278% | 3,006 |
| Earnings coverage of net charge-offs (x) | 6.3474% | 1,901 |
| Efficiency ratio | 75.4823% | 1,337 |
| Assets per employee ($millions) | 4.9471% | 3,719 |
| Cash dividends to net income (ytd only)* | 18.9717% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5689% | 4,492 |
| Loan loss allowance to noncurrent loans | 126.7116% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 0.3118% | 1,763 |
| Noncurrent loans to loans | 0.4489% | 1,772 |
| Net loans and leases to total assets | 69.0532% | 1,390 |
| Net loans and leases to deposits | 79.2258% | 1,444 |
| Net loans and leases to core deposits | 82.8877% | 1,531 |
| Total domestic deposits to total assets | 87.1600% | 2,882 |
| Equity capital to assets | 10.1713% | 1,612 |
| Core capital (leverage) ratio | 10.4321% | 2,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,237,539,667 | 827 |
| Average earning assets | $1,135,582,333 | 840 |
| Average equity | $129,797,333 | 776 |
| Average total loans | $826,488,000 | 790 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5643% | 1,604 |
| Cost of funding earning assets | 0.2176% | 2,560 |
| Net interest margin | 3.3467% | 1,451 |
| Noninterest income to average assets | 0.9700% | 724 |
| Noninterest expense to average assets | 3.0212% | 791 |
| Loan and lease loss provision to assets | -0.3554% | 4,739 |
| Net operating income to assets | 1.1180% | 1,480 |
| Return on assets (ROA) | 1.1180% | 1,472 |
| Pretax return on assets | 1.3804% | 1,294 |
| Return on Equity (ROE) | 10.5009% | 1,799 |
| Retained earnings to average equity (ytd only) | 10.5009% | 906 |
| Net charge-offs to loans | 0.0563% | 740 |
| Credit loss provision to net charge-offs | -964.9123% | 3,259 |
| Earnings coverage of net charge-offs (x) | 27.8246% | 1,163 |
| Efficiency ratio | 74.5887% | 1,677 |
| Assets per employee ($millions) | 5.3316% | 3,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6171% | 4,495 |
| Loan loss allowance to noncurrent loans | 119.2661% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 0.3334% | 1,775 |
| Noncurrent loans to loans | 0.5175% | 1,731 |
| Net loans and leases to total assets | 64.0378% | 1,612 |
| Net loans and leases to deposits | 73.6671% | 1,639 |
| Net loans and leases to core deposits | 77.1525% | 1,690 |
| Total domestic deposits to total assets | 86.9286% | 2,953 |
| Equity capital to assets | 10.4088% | 1,627 |
| Core capital (leverage) ratio | 10.5604% | 1,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,237,921,500 | 830 |
| Average earning assets | $1,137,828,000 | 845 |
| Average equity | $131,798,000 | 778 |
| Average total loans | $810,272,500 | 795 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8258% | 1,805 |
| Cost of funding earning assets | 0.3154% | 2,247 |
| Net interest margin | 3.5104% | 1,698 |
| Noninterest income to average assets | 0.8425% | 1,338 |
| Noninterest expense to average assets | 2.9529% | 1,057 |
| Loan and lease loss provision to assets | -0.0412% | 4,315 |
| Net operating income to assets | 0.9522% | 2,861 |
| Return on assets (ROA) | 0.8792% | 3,172 |
| Pretax return on assets | 1.0653% | 3,089 |
| Return on Equity (ROE) | 7.9974% | 3,219 |
| Retained earnings to average equity (ytd only) | 3.8723% | 3,270 |
| Net charge-offs to loans | 0.0213% | 1,842 |
| Credit loss provision to net charge-offs | -282.4859% | 3,599 |
| Earnings coverage of net charge-offs (x) | 76.1864% | 1,022 |
| Efficiency ratio | 72.5480% | 1,451 |
| Assets per employee ($millions) | 5.3402% | 3,425 |
| Cash dividends to net income (ytd only)* | 51.5802% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7505% | 4,348 |
| Loan loss allowance to noncurrent loans | 136.3536% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 0.3659% | 1,763 |
| Noncurrent loans to loans | 0.5504% | 1,745 |
| Net loans and leases to total assets | 65.9813% | 1,471 |
| Net loans and leases to deposits | 76.3730% | 1,538 |
| Net loans and leases to core deposits | 80.4316% | 1,561 |
| Total domestic deposits to total assets | 86.3935% | 2,761 |
| Equity capital to assets | 10.8863% | 1,870 |
| Core capital (leverage) ratio | 10.2763% | 2,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,212,756,800 | 821 |
| Average earning assets | $1,113,238,000 | 826 |
| Average equity | $133,330,200 | 781 |
| Average total loans | $829,997,800 | 778 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8580% | 1,894 |
| Cost of funding earning assets | 0.3353% | 2,247 |
| Net interest margin | 3.5227% | 1,808 |
| Noninterest income to average assets | 0.8450% | 1,395 |
| Noninterest expense to average assets | 2.9573% | 1,035 |
| Loan and lease loss provision to assets | -0.0166% | 4,342 |
| Net operating income to assets | 0.9382% | 3,129 |
| Return on assets (ROA) | 0.9382% | 3,211 |
| Pretax return on assets | 1.1351% | 3,121 |
| Return on Equity (ROE) | 8.5123% | 3,253 |
| Retained earnings to average equity (ytd only) | 5.2565% | 3,120 |
| Net charge-offs to loans | 0.0554% | 1,096 |
| Credit loss provision to net charge-offs | -43.3526% | 3,125 |
| Earnings coverage of net charge-offs (x) | 29.2775% | 1,537 |
| Efficiency ratio | 72.4549% | 1,365 |
| Assets per employee ($millions) | 5.2716% | 3,428 |
| Cash dividends to net income (ytd only)* | 38.2488% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7591% | 4,409 |
| Loan loss allowance to noncurrent loans | 106.7565% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 0.4832% | 1,578 |
| Noncurrent loans to loans | 0.7111% | 1,564 |
| Net loans and leases to total assets | 67.4356% | 1,383 |
| Net loans and leases to deposits | 78.4475% | 1,439 |
| Net loans and leases to core deposits | 82.6744% | 1,523 |
| Total domestic deposits to total assets | 85.9628% | 2,760 |
| Equity capital to assets | 10.9709% | 2,043 |
| Core capital (leverage) ratio | 10.3176% | 2,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,207,551,250 | 830 |
| Average earning assets | $1,107,487,500 | 837 |
| Average equity | $133,090,000 | 798 |
| Average total loans | $832,475,750 | 789 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8774% | 1,876 |
| Cost of funding earning assets | 0.3566% | 2,260 |
| Net interest margin | 3.5208% | 1,800 |
| Noninterest income to average assets | 0.8351% | 1,439 |
| Noninterest expense to average assets | 2.9499% | 1,069 |
| Loan and lease loss provision to assets | -0.0083% | 4,403 |
| Net operating income to assets | 0.9253% | 3,143 |
| Return on assets (ROA) | 0.9253% | 3,223 |
| Pretax return on assets | 1.1219% | 3,139 |
| Return on Equity (ROE) | 8.3827% | 3,288 |
| Retained earnings to average equity (ytd only) | 6.8737% | 2,480 |
| Net charge-offs to loans | 0.0750% | 902 |
| Credit loss provision to net charge-offs | -16.0256% | 2,914 |
| Earnings coverage of net charge-offs (x) | 21.4263% | 1,509 |
| Efficiency ratio | 72.4850% | 1,383 |
| Assets per employee ($millions) | 5.1272% | 3,532 |
| Cash dividends to net income (ytd only)* | 18.0018% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7732% | 4,408 |
| Loan loss allowance to noncurrent loans | 100.9201% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 0.5255% | 1,579 |
| Noncurrent loans to loans | 0.7661% | 1,573 |
| Net loans and leases to total assets | 68.0571% | 1,436 |
| Net loans and leases to deposits | 79.2351% | 1,492 |
| Net loans and leases to core deposits | 83.9339% | 1,566 |
| Total domestic deposits to total assets | 85.8926% | 2,776 |
| Equity capital to assets | 10.9917% | 1,981 |
| Core capital (leverage) ratio | 10.3077% | 2,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,200,638,000 | 832 |
| Average earning assets | $1,100,955,000 | 837 |
| Average equity | $132,535,000 | 794 |
| Average total loans | $831,753,667 | 793 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8962% | 1,837 |
| Cost of funding earning assets | 0.3764% | 2,303 |
| Net interest margin | 3.5198% | 1,776 |
| Noninterest income to average assets | 0.8703% | 1,408 |
| Noninterest expense to average assets | 2.9395% | 1,088 |
| Loan and lease loss provision to assets | -0.0168% | 4,600 |
| Net operating income to assets | 0.9657% | 2,917 |
| Return on assets (ROA) | 0.9657% | 3,012 |
| Pretax return on assets | 1.1736% | 2,919 |
| Return on Equity (ROE) | 8.7294% | 3,125 |
| Retained earnings to average equity (ytd only) | 8.7294% | 2,032 |
| Net charge-offs to loans | 0.1081% | 647 |
| Credit loss provision to net charge-offs | -22.3214% | 2,711 |
| Earnings coverage of net charge-offs (x) | 15.3750% | 1,343 |
| Efficiency ratio | 71.6441% | 1,534 |
| Assets per employee ($millions) | 5.1926% | 3,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7995% | 4,411 |
| Loan loss allowance to noncurrent loans | 108.8450% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 0.4981% | 1,897 |
| Noncurrent loans to loans | 0.7345% | 1,766 |
| Net loans and leases to total assets | 67.2641% | 1,627 |
| Net loans and leases to deposits | 78.5393% | 1,664 |
| Net loans and leases to core deposits | 83.1049% | 1,746 |
| Total domestic deposits to total assets | 85.6439% | 2,873 |
| Equity capital to assets | 10.9614% | 1,888 |
| Core capital (leverage) ratio | 10.6519% | 1,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,190,821,500 | 831 |
| Average earning assets | $1,091,418,000 | 832 |
| Average equity | $131,738,000 | 792 |
| Average total loans | $829,154,500 | 789 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4638% | 1,403 |
| Cost of funding earning assets | 0.5997% | 2,313 |
| Net interest margin | 3.8640% | 1,323 |
| Noninterest income to average assets | 0.9816% | 1,080 |
| Noninterest expense to average assets | 3.2010% | 1,057 |
| Loan and lease loss provision to assets | 0.2726% | 1,413 |
| Net operating income to assets | 0.8473% | 2,909 |
| Return on assets (ROA) | 0.8473% | 3,043 |
| Pretax return on assets | 1.0323% | 2,938 |
| Return on Equity (ROE) | 7.2251% | 3,106 |
| Retained earnings to average equity (ytd only) | 4.8575% | 2,342 |
| Net charge-offs to loans | 0.2553% | 680 |
| Credit loss provision to net charge-offs | 143.1697% | 2,463 |
| Earnings coverage of net charge-offs (x) | 6.8537% | 2,742 |
| Efficiency ratio | 70.9139% | 1,821 |
| Assets per employee ($millions) | 4.9233% | 3,480 |
| Cash dividends to net income (ytd only)* | 32.7690% | 2,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8153% | 4,393 |
| Loan loss allowance to noncurrent loans | 103.2180% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 0.5685% | 1,852 |
| Noncurrent loans to loans | 0.7899% | 1,758 |
| Net loans and leases to total assets | 70.9276% | 1,437 |
| Net loans and leases to deposits | 83.2646% | 1,520 |
| Net loans and leases to core deposits | 88.5633% | 1,640 |
| Total domestic deposits to total assets | 85.1833% | 2,689 |
| Equity capital to assets | 11.1674% | 2,123 |
| Core capital (leverage) ratio | 10.7061% | 2,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,080,437,200 | 818 |
| Average earning assets | $985,422,200 | 831 |
| Average equity | $126,710,400 | 780 |
| Average total loans | $805,824,800 | 782 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5964% | 1,318 |
| Cost of funding earning assets | 0.6440% | 2,362 |
| Net interest margin | 3.9524% | 1,231 |
| Noninterest income to average assets | 1.0464% | 951 |
| Noninterest expense to average assets | 3.4858% | 722 |
| Loan and lease loss provision to assets | 0.4343% | 760 |
| Net operating income to assets | 0.6051% | 3,748 |
| Return on assets (ROA) | 0.6051% | 3,849 |
| Pretax return on assets | 0.7255% | 3,844 |
| Return on Equity (ROE) | 5.0924% | 3,866 |
| Retained earnings to average equity (ytd only) | 2.9706% | 3,534 |
| Net charge-offs to loans | 0.3321% | 469 |
| Credit loss provision to net charge-offs | 173.3770% | 2,216 |
| Earnings coverage of net charge-offs (x) | 4.6301% | 2,802 |
| Efficiency ratio | 74.9037% | 1,310 |
| Assets per employee ($millions) | 4.8142% | 3,473 |
| Cash dividends to net income (ytd only)* | 41.6667% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8780% | 4,134 |
| Loan loss allowance to noncurrent loans | 117.9602% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 0.5681% | 2,022 |
| Noncurrent loans to loans | 0.7443% | 1,944 |
| Net loans and leases to total assets | 74.4976% | 1,310 |
| Net loans and leases to deposits | 87.9813% | 1,489 |
| Net loans and leases to core deposits | 94.1206% | 1,631 |
| Total domestic deposits to total assets | 84.6744% | 2,565 |
| Equity capital to assets | 11.3906% | 2,090 |
| Core capital (leverage) ratio | 10.6981% | 2,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,057,607,500 | 820 |
| Average earning assets | $963,115,750 | 831 |
| Average equity | $125,674,250 | 779 |
| Average total loans | $797,798,500 | 784 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6987% | 1,412 |
| Cost of funding earning assets | 0.6829% | 2,486 |
| Net interest margin | 4.0158% | 1,280 |
| Noninterest income to average assets | 1.1216% | 789 |
| Noninterest expense to average assets | 3.5133% | 738 |
| Loan and lease loss provision to assets | 0.6649% | 434 |
| Net operating income to assets | 0.4860% | 4,054 |
| Return on assets (ROA) | 0.4860% | 4,125 |
| Pretax return on assets | 0.5981% | 4,069 |
| Return on Equity (ROE) | 4.0296% | 4,095 |
| Retained earnings to average equity (ytd only) | 2.4293% | 3,603 |
| Net charge-offs to loans | 0.4436% | 358 |
| Credit loss provision to net charge-offs | 198.4447% | 1,934 |
| Earnings coverage of net charge-offs (x) | 3.7696% | 2,652 |
| Efficiency ratio | 73.4190% | 1,518 |
| Assets per employee ($millions) | 4.4260% | 3,881 |
| Cash dividends to net income (ytd only)* | 39.7141% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9320% | 3,872 |
| Loan loss allowance to noncurrent loans | 93.1815% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 0.7751% | 1,602 |
| Noncurrent loans to loans | 1.0002% | 1,553 |
| Net loans and leases to total assets | 74.7170% | 1,317 |
| Net loans and leases to deposits | 88.7849% | 1,475 |
| Net loans and leases to core deposits | 95.6259% | 1,602 |
| Total domestic deposits to total assets | 84.1550% | 2,704 |
| Equity capital to assets | 11.6364% | 1,883 |
| Core capital (leverage) ratio | 10.9245% | 2,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,036,240,000 | 820 |
| Average earning assets | $943,078,333 | 834 |
| Average equity | $124,976,000 | 771 |
| Average total loans | $782,715,000 | 783 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8940% | 1,205 |
| Cost of funding earning assets | 0.7322% | 2,772 |
| Net interest margin | 4.1618% | 1,000 |
| Noninterest income to average assets | 1.4108% | 448 |
| Noninterest expense to average assets | 3.5617% | 855 |
| Loan and lease loss provision to assets | 1.5228% | 99 |
| Net operating income to assets | 0.1279% | 4,624 |
| Return on assets (ROA) | 0.1279% | 4,630 |
| Pretax return on assets | 0.1149% | 4,651 |
| Return on Equity (ROE) | 1.0410% | 4,623 |
| Retained earnings to average equity (ytd only) | 1.0410% | 3,732 |
| Net charge-offs to loans | 0.7277% | 210 |
| Credit loss provision to net charge-offs | 276.8179% | 1,232 |
| Earnings coverage of net charge-offs (x) | 2.9770% | 2,243 |
| Efficiency ratio | 68.3729% | 2,606 |
| Assets per employee ($millions) | 4.1873% | 3,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0976% | 3,219 |
| Loan loss allowance to noncurrent loans | 84.3882% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 1.0061% | 1,310 |
| Noncurrent loans to loans | 1.3007% | 1,257 |
| Net loans and leases to total assets | 74.0826% | 1,587 |
| Net loans and leases to deposits | 88.9673% | 1,648 |
| Net loans and leases to core deposits | 98.3568% | 1,598 |
| Total domestic deposits to total assets | 83.2695% | 3,024 |
| Equity capital to assets | 12.2772% | 1,866 |
| Core capital (leverage) ratio | 11.6485% | 1,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,009,957,500 | 811 |
| Average earning assets | $919,404,500 | 822 |
| Average equity | $124,115,000 | 772 |
| Average total loans | $763,485,000 | 778 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0609% | 1,311 |
| Cost of funding earning assets | 0.7283% | 3,025 |
| Net interest margin | 4.3327% | 1,028 |
| Noninterest income to average assets | 0.8963% | 1,181 |
| Noninterest expense to average assets | 3.7115% | 754 |
| Loan and lease loss provision to assets | 0.0859% | 2,289 |
| Net operating income to assets | 0.8804% | 3,285 |
| Return on assets (ROA) | 0.8804% | 3,367 |
| Pretax return on assets | 1.0581% | 3,303 |
| Return on Equity (ROE) | 7.5579% | 3,338 |
| Retained earnings to average equity (ytd only) | 5.0302% | 2,396 |
| Net charge-offs to loans | 0.1736% | 1,161 |
| Credit loss provision to net charge-offs | 65.7400% | 2,970 |
| Earnings coverage of net charge-offs (x) | 8.7566% | 2,735 |
| Efficiency ratio | 76.0254% | 1,371 |
| Assets per employee ($millions) | 3.9146% | 4,015 |
| Cash dividends to net income (ytd only)* | 33.4448% | 2,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7804% | 4,368 |
| Loan loss allowance to noncurrent loans | 60.2046% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 1.0414% | 1,195 |
| Noncurrent loans to loans | 1.2962% | 1,168 |
| Net loans and leases to total assets | 75.7075% | 1,463 |
| Net loans and leases to deposits | 91.4763% | 1,430 |
| Net loans and leases to core deposits | 100.7104% | 1,506 |
| Total domestic deposits to total assets | 82.7620% | 3,285 |
| Equity capital to assets | 12.3013% | 1,952 |
| Core capital (leverage) ratio | 11.2813% | 2,264 |
| Tier 1 risk-based capital ratio | 16.1392% | 2,356 |
| Total risk-based capital ratio | 16.9751% | 2,430 |
| Memoranda: | ||
| Average total assets | $1,018,824,600 | 768 |
| Average earning assets | $930,997,000 | 769 |
| Average equity | $118,683,200 | 770 |
| Average total loans | $766,592,200 | 741 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0641% | 1,376 |
| Cost of funding earning assets | 0.7148% | 3,136 |
| Net interest margin | 4.3494% | 1,056 |
| Noninterest income to average assets | 0.7690% | 1,524 |
| Noninterest expense to average assets | 3.6058% | 841 |
| Loan and lease loss provision to assets | 0.2474% | 666 |
| Net operating income to assets | 0.7469% | 3,858 |
| Return on assets (ROA) | 0.7469% | 3,921 |
| Pretax return on assets | 0.8924% | 3,894 |
| Return on Equity (ROE) | 6.5002% | 3,884 |
| Retained earnings to average equity (ytd only) | 4.2337% | 3,280 |
| Net charge-offs to loans | 0.4299% | 389 |
| Credit loss provision to net charge-offs | 76.7367% | 2,544 |
| Earnings coverage of net charge-offs (x) | 3.5355% | 3,092 |
| Efficiency ratio | 75.7374% | 1,359 |
| Assets per employee ($millions) | 3.9034% | 4,024 |
| Cash dividends to net income (ytd only)* | 34.8675% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7567% | 4,525 |
| Loan loss allowance to noncurrent loans | 64.2542% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 0.8920% | 1,526 |
| Noncurrent loans to loans | 1.1777% | 1,339 |
| Net loans and leases to total assets | 74.1231% | 1,796 |
| Net loans and leases to deposits | 88.6430% | 1,849 |
| Net loans and leases to core deposits | 97.3224% | 1,872 |
| Total domestic deposits to total assets | 83.6199% | 2,963 |
| Equity capital to assets | 11.6862% | 2,519 |
| Core capital (leverage) ratio | 11.0928% | 2,567 |
| Tier 1 risk-based capital ratio | 15.7071% | 2,554 |
| Total risk-based capital ratio | 16.5211% | 2,658 |
| Memoranda: | ||
| Average total assets | $1,023,978,000 | 767 |
| Average earning assets | $936,231,750 | 766 |
| Average equity | $117,655,750 | 772 |
| Average total loans | $767,824,000 | 742 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0465% | 1,361 |
| Cost of funding earning assets | 0.6930% | 3,206 |
| Net interest margin | 4.3535% | 1,032 |
| Noninterest income to average assets | 0.7542% | 1,504 |
| Noninterest expense to average assets | 3.6056% | 845 |
| Loan and lease loss provision to assets | 0.2838% | 510 |
| Net operating income to assets | 0.7209% | 3,930 |
| Return on assets (ROA) | 0.7209% | 3,989 |
| Pretax return on assets | 0.8510% | 3,970 |
| Return on Equity (ROE) | 6.3101% | 3,941 |
| Retained earnings to average equity (ytd only) | 4.5968% | 2,977 |
| Net charge-offs to loans | 0.2122% | 783 |
| Credit loss provision to net charge-offs | 178.1327% | 1,325 |
| Earnings coverage of net charge-offs (x) | 7.1229% | 2,516 |
| Efficiency ratio | 75.8082% | 1,418 |
| Assets per employee ($millions) | 3.8492% | 4,065 |
| Cash dividends to net income (ytd only)* | 27.1518% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9186% | 4,018 |
| Loan loss allowance to noncurrent loans | 68.0267% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 1.0274% | 1,353 |
| Noncurrent loans to loans | 1.3504% | 1,152 |
| Net loans and leases to total assets | 74.3977% | 1,826 |
| Net loans and leases to deposits | 88.9707% | 1,866 |
| Net loans and leases to core deposits | 98.2929% | 1,870 |
| Total domestic deposits to total assets | 83.6205% | 3,002 |
| Equity capital to assets | 11.7222% | 2,416 |
| Core capital (leverage) ratio | 10.9102% | 2,679 |
| Tier 1 risk-based capital ratio | 15.7053% | 2,548 |
| Total risk-based capital ratio | 16.6982% | 2,569 |
| Memoranda: | ||
| Average total assets | $1,021,806,670 | 768 |
| Average earning assets | $935,621,330 | 764 |
| Average equity | $116,732,670 | 767 |
| Average total loans | $767,213,000 | 744 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9953% | 1,347 |
| Cost of funding earning assets | 0.6564% | 3,284 |
| Net interest margin | 4.3389% | 1,028 |
| Noninterest income to average assets | 0.7291% | 1,512 |
| Noninterest expense to average assets | 3.5244% | 935 |
| Loan and lease loss provision to assets | 0.8800% | 105 |
| Net operating income to assets | 0.2847% | 4,916 |
| Return on assets (ROA) | 0.2847% | 4,924 |
| Pretax return on assets | 0.2984% | 4,960 |
| Return on Equity (ROE) | 2.5253% | 4,890 |
| Retained earnings to average equity (ytd only) | 2.5253% | 3,917 |
| Net charge-offs to loans | 0.5532% | 271 |
| Credit loss provision to net charge-offs | 211.8644% | 1,020 |
| Earnings coverage of net charge-offs (x) | 2.8371% | 2,453 |
| Efficiency ratio | 74.6840% | 1,654 |
| Assets per employee ($millions) | 3.9179% | 4,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9849% | 3,803 |
| Loan loss allowance to noncurrent loans | 79.8905% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 0.9609% | 1,458 |
| Noncurrent loans to loans | 1.2329% | 1,336 |
| Net loans and leases to total assets | 74.0313% | 1,796 |
| Net loans and leases to deposits | 87.9574% | 1,878 |
| Net loans and leases to core deposits | 97.2058% | 1,840 |
| Total domestic deposits to total assets | 84.1672% | 2,985 |
| Equity capital to assets | 11.3030% | 2,560 |
| Core capital (leverage) ratio | 10.9077% | 2,660 |
| Tier 1 risk-based capital ratio | 15.2150% | 2,786 |
| Total risk-based capital ratio | 16.2712% | 2,798 |
| Memoranda: | ||
| Average total assets | $1,022,692,500 | 767 |
| Average earning assets | $936,641,000 | 770 |
| Average equity | $115,313,500 | 774 |
| Average total loans | $767,860,000 | 749 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8536% | 1,411 |
| Cost of funding earning assets | 0.5252% | 3,206 |
| Net interest margin | 4.3284% | 1,094 |
| Noninterest income to average assets | 0.8118% | 1,411 |
| Noninterest expense to average assets | 3.4689% | 1,036 |
| Loan and lease loss provision to assets | 0.0827% | 2,475 |
| Net operating income to assets | 1.0299% | 2,887 |
| Return on assets (ROA) | 1.0299% | 2,874 |
| Pretax return on assets | 1.2388% | 2,745 |
| Return on Equity (ROE) | 9.5879% | 2,697 |
| Retained earnings to average equity (ytd only) | 6.8700% | 1,727 |
| Net charge-offs to loans | 0.2119% | 906 |
| Credit loss provision to net charge-offs | 52.4691% | 3,163 |
| Earnings coverage of net charge-offs (x) | 8.3821% | 2,900 |
| Efficiency ratio | 72.1390% | 1,873 |
| Assets per employee ($millions) | 3.7732% | 4,224 |
| Cash dividends to net income (ytd only)* | 28.3473% | 3,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8363% | 4,410 |
| Loan loss allowance to noncurrent loans | 66.1020% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 0.9897% | 1,385 |
| Noncurrent loans to loans | 1.2651% | 1,260 |
| Net loans and leases to total assets | 74.7709% | 1,802 |
| Net loans and leases to deposits | 89.1258% | 1,911 |
| Net loans and leases to core deposits | 98.7639% | 1,810 |
| Total domestic deposits to total assets | 83.8936% | 3,033 |
| Equity capital to assets | 11.2475% | 2,469 |
| Core capital (leverage) ratio | 10.7337% | 2,808 |
| Tier 1 risk-based capital ratio | 15.2382% | 2,723 |
| Total risk-based capital ratio | 16.1366% | 2,818 |
| Memoranda: | ||
| Average total assets | $1,027,543,600 | 745 |
| Average earning assets | $944,473,800 | 742 |
| Average equity | $110,378,400 | 778 |
| Average total loans | $764,653,400 | 729 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8103% | 1,401 |
| Cost of funding earning assets | 0.4974% | 3,215 |
| Net interest margin | 4.3129% | 1,088 |
| Noninterest income to average assets | 0.9055% | 1,183 |
| Noninterest expense to average assets | 3.5931% | 863 |
| Loan and lease loss provision to assets | 0.2005% | 870 |
| Net operating income to assets | 0.9066% | 3,498 |
| Return on assets (ROA) | 0.9066% | 3,502 |
| Pretax return on assets | 1.0782% | 3,472 |
| Return on Equity (ROE) | 8.5384% | 3,315 |
| Retained earnings to average equity (ytd only) | 6.1016% | 2,607 |
| Net charge-offs to loans | 0.1280% | 1,240 |
| Credit loss provision to net charge-offs | 211.1717% | 1,326 |
| Earnings coverage of net charge-offs (x) | 13.4673% | 2,356 |
| Efficiency ratio | 73.4765% | 1,662 |
| Assets per employee ($millions) | 3.8698% | 4,080 |
| Cash dividends to net income (ytd only)* | 28.5388% | 2,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0352% | 3,559 |
| Loan loss allowance to noncurrent loans | 74.9179% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 1.1718% | 1,205 |
| Noncurrent loans to loans | 1.3818% | 1,205 |
| Net loans and leases to total assets | 75.0200% | 1,809 |
| Net loans and leases to deposits | 89.0348% | 2,015 |
| Net loans and leases to core deposits | 97.5869% | 1,973 |
| Total domestic deposits to total assets | 84.2592% | 2,864 |
| Equity capital to assets | 10.8757% | 2,773 |
| Core capital (leverage) ratio | 10.5059% | 3,079 |
| Tier 1 risk-based capital ratio | 14.7217% | 3,006 |
| Total risk-based capital ratio | 15.8315% | 2,998 |
| Memoranda: | ||
| Average total assets | $1,030,682,000 | 744 |
| Average earning assets | $947,866,250 | 739 |
| Average equity | $109,432,750 | 779 |
| Average total loans | $764,487,500 | 721 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7493% | 1,386 |
| Cost of funding earning assets | 0.4723% | 3,207 |
| Net interest margin | 4.2770% | 1,084 |
| Noninterest income to average assets | 0.9824% | 989 |
| Noninterest expense to average assets | 3.5716% | 901 |
| Loan and lease loss provision to assets | 0.1159% | 1,715 |
| Net operating income to assets | 1.0261% | 2,912 |
| Return on assets (ROA) | 1.0261% | 2,919 |
| Pretax return on assets | 1.2304% | 2,815 |
| Return on Equity (ROE) | 9.7419% | 2,689 |
| Retained earnings to average equity (ytd only) | 7.9072% | 1,666 |
| Net charge-offs to loans | 0.1249% | 1,182 |
| Credit loss provision to net charge-offs | 126.0504% | 1,751 |
| Earnings coverage of net charge-offs (x) | 14.6366% | 2,086 |
| Efficiency ratio | 72.3418% | 1,947 |
| Assets per employee ($millions) | 3.6229% | 4,435 |
| Cash dividends to net income (ytd only)* | 18.8324% | 3,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9456% | 4,137 |
| Loan loss allowance to noncurrent loans | 63.8984% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 1.2576% | 1,131 |
| Noncurrent loans to loans | 1.4798% | 1,137 |
| Net loans and leases to total assets | 75.5919% | 1,702 |
| Net loans and leases to deposits | 89.7779% | 1,866 |
| Net loans and leases to core deposits | 96.6015% | 2,006 |
| Total domestic deposits to total assets | 84.1987% | 2,993 |
| Equity capital to assets | 10.9234% | 2,707 |
| Core capital (leverage) ratio | 10.1299% | 3,447 |
| Tier 1 risk-based capital ratio | 14.6288% | 3,054 |
| Total risk-based capital ratio | 15.6446% | 3,082 |
| Memoranda: | ||
| Average total assets | $1,034,989,000 | 741 |
| Average earning assets | $952,360,670 | 739 |
| Average equity | $109,014,000 | 778 |
| Average total loans | $762,146,330 | 726 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6816% | 1,347 |
| Cost of funding earning assets | 0.4471% | 3,218 |
| Net interest margin | 4.2344% | 1,094 |
| Noninterest income to average assets | 1.0295% | 858 |
| Noninterest expense to average assets | 3.5382% | 935 |
| Loan and lease loss provision to assets | 0.2292% | 682 |
| Net operating income to assets | 0.9699% | 2,985 |
| Return on assets (ROA) | 0.9699% | 3,014 |
| Pretax return on assets | 1.1621% | 2,924 |
| Return on Equity (ROE) | 9.3764% | 2,730 |
| Retained earnings to average equity (ytd only) | 9.3764% | 1,335 |
| Net charge-offs to loans | 0.1082% | 1,127 |
| Credit loss provision to net charge-offs | 292.6829% | 835 |
| Earnings coverage of net charge-offs (x) | 17.7659% | 1,564 |
| Efficiency ratio | 71.4972% | 2,263 |
| Assets per employee ($millions) | 3.9239% | 4,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9985% | 3,971 |
| Loan loss allowance to noncurrent loans | 59.9208% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 1.2868% | 1,156 |
| Noncurrent loans to loans | 1.6664% | 1,029 |
| Net loans and leases to total assets | 69.2578% | 2,595 |
| Net loans and leases to deposits | 81.1391% | 2,682 |
| Net loans and leases to core deposits | 87.5963% | 2,666 |
| Total domestic deposits to total assets | 85.3569% | 2,803 |
| Equity capital to assets | 10.0615% | 3,540 |
| Core capital (leverage) ratio | 9.2078% | 4,426 |
| Tier 1 risk-based capital ratio | 14.5712% | 3,084 |
| Total risk-based capital ratio | 15.6390% | 3,093 |
| Memoranda: | ||
| Average total assets | $1,047,084,500 | 735 |
| Average earning assets | $964,377,000 | 734 |
| Average equity | $108,314,000 | 783 |
| Average total loans | $757,532,000 | 730 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6860% | 1,234 |
| Cost of funding earning assets | 0.3893% | 3,337 |
| Net interest margin | 4.2967% | 968 |
| Noninterest income to average assets | 0.9099% | 1,239 |
| Noninterest expense to average assets | 3.5207% | 999 |
| Loan and lease loss provision to assets | 0.2442% | 780 |
| Net operating income to assets | 0.6464% | 3,832 |
| Return on assets (ROA) | 0.6464% | 3,867 |
| Pretax return on assets | 1.0721% | 3,290 |
| Return on Equity (ROE) | 5.9636% | 3,775 |
| Retained earnings to average equity (ytd only) | 3.1647% | 3,406 |
| Net charge-offs to loans | 0.3513% | 723 |
| Credit loss provision to net charge-offs | 92.3165% | 2,742 |
| Earnings coverage of net charge-offs (x) | 4.9759% | 3,391 |
| Efficiency ratio | 72.4620% | 2,151 |
| Assets per employee ($millions) | 3.6770% | 4,469 |
| Cash dividends to net income (ytd only)* | 46.9337% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9466% | 4,235 |
| Loan loss allowance to noncurrent loans | 68.9489% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 1.1809% | 1,258 |
| Noncurrent loans to loans | 1.3729% | 1,263 |
| Net loans and leases to total assets | 74.1979% | 1,887 |
| Net loans and leases to deposits | 87.1974% | 2,108 |
| Net loans and leases to core deposits | 96.1215% | 2,012 |
| Total domestic deposits to total assets | 85.0919% | 2,807 |
| Equity capital to assets | 10.6472% | 2,995 |
| Core capital (leverage) ratio | 10.1015% | 3,319 |
| Tier 1 risk-based capital ratio | 14.3218% | 3,187 |
| Total risk-based capital ratio | 15.3409% | 3,211 |
| Memoranda: | ||
| Average total assets | $988,879,000 | 750 |
| Average earning assets | $903,818,800 | 750 |
| Average equity | $107,184,000 | 762 |
| Average total loans | $744,599,400 | 705 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6604% | 1,227 |
| Cost of funding earning assets | 0.3712% | 3,451 |
| Net interest margin | 4.2892% | 945 |
| Noninterest income to average assets | 0.9569% | 1,126 |
| Noninterest expense to average assets | 3.6571% | 807 |
| Loan and lease loss provision to assets | 0.2461% | 701 |
| Net operating income to assets | 0.7650% | 3,669 |
| Return on assets (ROA) | 0.7650% | 3,726 |
| Pretax return on assets | 0.9725% | 3,795 |
| Return on Equity (ROE) | 7.0261% | 3,649 |
| Retained earnings to average equity (ytd only) | 4.5355% | 3,199 |
| Net charge-offs to loans | 0.3958% | 538 |
| Credit loss provision to net charge-offs | 82.4625% | 2,547 |
| Earnings coverage of net charge-offs (x) | 4.0831% | 3,268 |
| Efficiency ratio | 74.6732% | 1,797 |
| Assets per employee ($millions) | 3.7491% | 4,376 |
| Cash dividends to net income (ytd only)* | 35.4484% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9103% | 4,524 |
| Loan loss allowance to noncurrent loans | 76.4223% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 1.1274% | 1,468 |
| Noncurrent loans to loans | 1.1912% | 1,607 |
| Net loans and leases to total assets | 75.6711% | 1,647 |
| Net loans and leases to deposits | 89.0092% | 1,924 |
| Net loans and leases to core deposits | 98.0522% | 1,880 |
| Total domestic deposits to total assets | 85.0149% | 2,705 |
| Equity capital to assets | 10.8264% | 3,038 |
| Core capital (leverage) ratio | 10.4688% | 3,023 |
| Tier 1 risk-based capital ratio | 14.1480% | 3,380 |
| Total risk-based capital ratio | 15.1267% | 3,431 |
| Memoranda: | ||
| Average total assets | $983,303,250 | 754 |
| Average earning assets | $898,381,500 | 758 |
| Average equity | $107,064,250 | 768 |
| Average total loans | $741,387,750 | 706 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6372% | 1,182 |
| Cost of funding earning assets | 0.3516% | 3,565 |
| Net interest margin | 4.2856% | 898 |
| Noninterest income to average assets | 0.9800% | 1,073 |
| Noninterest expense to average assets | 3.7365% | 732 |
| Loan and lease loss provision to assets | 0.0410% | 3,185 |
| Net operating income to assets | 0.8327% | 3,236 |
| Return on assets (ROA) | 0.8327% | 3,290 |
| Pretax return on assets | 1.1162% | 3,108 |
| Return on Equity (ROE) | 7.6325% | 3,231 |
| Retained earnings to average equity (ytd only) | 5.7544% | 2,258 |
| Net charge-offs to loans | 0.2612% | 786 |
| Credit loss provision to net charge-offs | 20.8986% | 2,780 |
| Earnings coverage of net charge-offs (x) | 5.9018% | 2,766 |
| Efficiency ratio | 76.0100% | 1,716 |
| Assets per employee ($millions) | 3.5491% | 4,650 |
| Cash dividends to net income (ytd only)* | 24.6063% | 2,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8858% | 4,697 |
| Loan loss allowance to noncurrent loans | 81.6039% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 1.0887% | 1,607 |
| Noncurrent loans to loans | 1.0855% | 1,809 |
| Net loans and leases to total assets | 76.6587% | 1,437 |
| Net loans and leases to deposits | 91.0689% | 1,598 |
| Net loans and leases to core deposits | 98.2729% | 1,782 |
| Total domestic deposits to total assets | 84.1766% | 3,132 |
| Equity capital to assets | 11.2070% | 2,581 |
| Core capital (leverage) ratio | 10.3257% | 3,110 |
| Tier 1 risk-based capital ratio | 14.3903% | 3,226 |
| Total risk-based capital ratio | 15.3385% | 3,295 |
| Memoranda: | ||
| Average total assets | $976,148,330 | 766 |
| Average earning assets | $891,446,000 | 769 |
| Average equity | $106,492,330 | 773 |
| Average total loans | $732,749,000 | 717 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5801% | 1,185 |
| Cost of funding earning assets | 0.3404% | 3,629 |
| Net interest margin | 4.2397% | 907 |
| Noninterest income to average assets | 1.1329% | 782 |
| Noninterest expense to average assets | 3.5650% | 953 |
| Loan and lease loss provision to assets | 0.0102% | 3,427 |
| Net operating income to assets | 1.0245% | 2,201 |
| Return on assets (ROA) | 1.0245% | 2,256 |
| Pretax return on assets | 1.4304% | 1,763 |
| Return on Equity (ROE) | 9.5188% | 2,174 |
| Retained earnings to average equity (ytd only) | 9.5188% | 920 |
| Net charge-offs to loans | 0.2767% | 654 |
| Credit loss provision to net charge-offs | 4.9801% | 2,254 |
| Earnings coverage of net charge-offs (x) | 7.0418% | 2,169 |
| Efficiency ratio | 70.8866% | 2,762 |
| Assets per employee ($millions) | 3.9071% | 4,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9462% | 4,574 |
| Loan loss allowance to noncurrent loans | 79.3326% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 1.0448% | 1,731 |
| Noncurrent loans to loans | 1.1927% | 1,693 |
| Net loans and leases to total assets | 70.5054% | 2,293 |
| Net loans and leases to deposits | 82.6840% | 2,437 |
| Net loans and leases to core deposits | 87.4367% | 2,602 |
| Total domestic deposits to total assets | 85.2709% | 2,978 |
| Equity capital to assets | 10.4655% | 3,216 |
| Core capital (leverage) ratio | 9.6052% | 3,988 |
| Tier 1 risk-based capital ratio | 14.4705% | 3,221 |
| Total risk-based capital ratio | 15.4701% | 3,268 |
| Memoranda: | ||
| Average total assets | $981,539,500 | 766 |
| Average earning assets | $896,573,000 | 768 |
| Average equity | $105,644,000 | 775 |
| Average total loans | $725,798,000 | 726 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5380% | 1,428 |
| Cost of funding earning assets | 0.3376% | 3,662 |
| Net interest margin | 4.2005% | 1,114 |
| Noninterest income to average assets | 0.8595% | 1,540 |
| Noninterest expense to average assets | 3.5118% | 1,144 |
| Loan and lease loss provision to assets | 0.3059% | 615 |
| Net operating income to assets | 0.6684% | 3,916 |
| Return on assets (ROA) | 0.6684% | 4,031 |
| Pretax return on assets | 0.8727% | 3,932 |
| Return on Equity (ROE) | 6.1277% | 3,913 |
| Retained earnings to average equity (ytd only) | 0.3399% | 5,185 |
| Net charge-offs to loans | 0.2543% | 1,085 |
| Credit loss provision to net charge-offs | 165.1177% | 1,680 |
| Earnings coverage of net charge-offs (x) | 6.3618% | 3,187 |
| Efficiency ratio | 74.7051% | 2,180 |
| Assets per employee ($millions) | 3.5185% | 4,734 |
| Cash dividends to net income (ytd only)* | 94.4530% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0195% | 4,197 |
| Loan loss allowance to noncurrent loans | 78.9017% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 1.2155% | 1,479 |
| Noncurrent loans to loans | 1.2922% | 1,579 |
| Net loans and leases to total assets | 76.1742% | 1,486 |
| Net loans and leases to deposits | 90.1779% | 1,662 |
| Net loans and leases to core deposits | 97.0854% | 1,830 |
| Total domestic deposits to total assets | 84.4711% | 3,245 |
| Equity capital to assets | 11.0874% | 2,555 |
| Core capital (leverage) ratio | 10.4332% | 2,947 |
| Tier 1 risk-based capital ratio | 14.1964% | 3,350 |
| Total risk-based capital ratio | 15.2758% | 3,362 |
| Memoranda: | ||
| Average total assets | $871,165,600 | 833 |
| Average earning assets | $794,528,600 | 845 |
| Average equity | $95,028,200 | 843 |
| Average total loans | $634,739,800 | 787 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4297% | 1,760 |
| Cost of funding earning assets | 0.3403% | 3,650 |
| Net interest margin | 4.0894% | 1,410 |
| Noninterest income to average assets | 0.9775% | 1,193 |
| Noninterest expense to average assets | 3.5246% | 1,105 |
| Loan and lease loss provision to assets | 0.3403% | 473 |
| Net operating income to assets | 0.6513% | 4,081 |
| Return on assets (ROA) | 0.6513% | 4,201 |
| Pretax return on assets | 0.8458% | 4,168 |
| Return on Equity (ROE) | 5.9976% | 4,064 |
| Retained earnings to average equity (ytd only) | -0.4715% | 5,435 |
| Net charge-offs to loans | 0.2827% | 812 |
| Credit loss provision to net charge-offs | 167.8214% | 1,647 |
| Earnings coverage of net charge-offs (x) | 5.8491% | 3,074 |
| Efficiency ratio | 74.8210% | 2,137 |
| Assets per employee ($millions) | 3.7153% | 4,443 |
| Cash dividends to net income (ytd only)* | 107.8619% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0135% | 4,333 |
| Loan loss allowance to noncurrent loans | 77.7982% | 4,093 |
| Noncurrent assets plus other real estate owned to assets | 1.2331% | 1,598 |
| Noncurrent loans to loans | 1.3028% | 1,709 |
| Net loans and leases to total assets | 73.6539% | 1,930 |
| Net loans and leases to deposits | 86.7958% | 2,170 |
| Net loans and leases to core deposits | 92.8844% | 2,293 |
| Total domestic deposits to total assets | 84.8589% | 2,871 |
| Equity capital to assets | 11.0816% | 2,930 |
| Core capital (leverage) ratio | 10.9876% | 2,459 |
| Tier 1 risk-based capital ratio | 14.3713% | 3,346 |
| Total risk-based capital ratio | 15.4333% | 3,393 |
| Memoranda: | ||
| Average total assets | $854,100,250 | 847 |
| Average earning assets | $779,681,750 | 861 |
| Average equity | $92,745,750 | 863 |
| Average total loans | $612,681,750 | 810 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4301% | 1,740 |
| Cost of funding earning assets | 0.3330% | 3,765 |
| Net interest margin | 4.0970% | 1,370 |
| Noninterest income to average assets | 1.1203% | 893 |
| Noninterest expense to average assets | 3.5319% | 1,113 |
| Loan and lease loss provision to assets | 0.1231% | 1,849 |
| Net operating income to assets | 0.9043% | 2,838 |
| Return on assets (ROA) | 0.9043% | 2,971 |
| Pretax return on assets | 1.2224% | 2,692 |
| Return on Equity (ROE) | 8.3946% | 2,800 |
| Retained earnings to average equity (ytd only) | 6.1319% | 2,054 |
| Net charge-offs to loans | 0.0800% | 2,053 |
| Credit loss provision to net charge-offs | 217.6724% | 1,229 |
| Earnings coverage of net charge-offs (x) | 23.7931% | 1,577 |
| Efficiency ratio | 72.4138% | 2,594 |
| Assets per employee ($millions) | 3.5884% | 4,609 |
| Cash dividends to net income (ytd only)* | 26.9542% | 2,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1143% | 3,871 |
| Loan loss allowance to noncurrent loans | 99.5921% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 1.0586% | 2,005 |
| Noncurrent loans to loans | 1.1189% | 2,055 |
| Net loans and leases to total assets | 72.1430% | 2,140 |
| Net loans and leases to deposits | 85.8154% | 2,269 |
| Net loans and leases to core deposits | 92.0883% | 2,345 |
| Total domestic deposits to total assets | 84.0676% | 3,237 |
| Equity capital to assets | 11.0872% | 2,961 |
| Core capital (leverage) ratio | 10.4817% | 2,994 |
| Tier 1 risk-based capital ratio | 15.2075% | 2,982 |
| Total risk-based capital ratio | 16.3547% | 2,962 |
| Memoranda: | ||
| Average total assets | $820,519,000 | 887 |
| Average earning assets | $752,450,000 | 889 |
| Average equity | $88,390,330 | 906 |
| Average total loans | $580,082,000 | 855 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4067% | 1,783 |
| Cost of funding earning assets | 0.3218% | 3,924 |
| Net interest margin | 4.0849% | 1,385 |
| Noninterest income to average assets | 1.3910% | 573 |
| Noninterest expense to average assets | 3.5420% | 1,107 |
| Loan and lease loss provision to assets | 0.1818% | 1,110 |
| Net operating income to assets | 1.0285% | 2,165 |
| Return on assets (ROA) | 1.0285% | 2,284 |
| Pretax return on assets | 1.4138% | 1,862 |
| Return on Equity (ROE) | 9.6865% | 2,120 |
| Retained earnings to average equity (ytd only) | 9.6865% | 928 |
| Net charge-offs to loans | 0.1080% | 1,478 |
| Credit loss provision to net charge-offs | 241.9355% | 964 |
| Earnings coverage of net charge-offs (x) | 21.2387% | 1,437 |
| Efficiency ratio | 68.9434% | 3,305 |
| Assets per employee ($millions) | 3.8309% | 4,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1379% | 3,850 |
| Loan loss allowance to noncurrent loans | 93.0828% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 1.0492% | 2,111 |
| Noncurrent loans to loans | 1.2224% | 1,980 |
| Net loans and leases to total assets | 65.3418% | 3,056 |
| Net loans and leases to deposits | 76.2918% | 3,186 |
| Net loans and leases to core deposits | 81.7673% | 3,151 |
| Total domestic deposits to total assets | 85.6472% | 2,834 |
| Equity capital to assets | 10.2342% | 3,813 |
| Core capital (leverage) ratio | 10.0336% | 3,498 |
| Tier 1 risk-based capital ratio | 15.5152% | 2,904 |
| Total risk-based capital ratio | 16.6841% | 2,893 |
| Memoranda: | ||
| Average total assets | $825,285,000 | 884 |
| Average earning assets | $756,940,500 | 886 |
| Average equity | $87,627,500 | 911 |
| Average total loans | $574,291,500 | 857 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5324% | 1,507 |
| Cost of funding earning assets | 0.3589% | 3,600 |
| Net interest margin | 4.1736% | 1,223 |
| Noninterest income to average assets | 0.9651% | 1,279 |
| Noninterest expense to average assets | 3.4808% | 1,329 |
| Loan and lease loss provision to assets | 0.1326% | 1,804 |
| Net operating income to assets | 0.8647% | 3,047 |
| Return on assets (ROA) | 0.8798% | 3,064 |
| Pretax return on assets | 1.1952% | 2,674 |
| Return on Equity (ROE) | 8.2047% | 2,838 |
| Retained earnings to average equity (ytd only) | 4.6889% | 2,650 |
| Net charge-offs to loans | 0.4735% | 573 |
| Credit loss provision to net charge-offs | 38.4896% | 3,548 |
| Earnings coverage of net charge-offs (x) | 3.7957% | 3,658 |
| Efficiency ratio | 72.6951% | 2,790 |
| Assets per employee ($millions) | 3.6155% | 4,619 |
| Cash dividends to net income (ytd only)* | 42.8510% | 2,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1014% | 4,043 |
| Loan loss allowance to noncurrent loans | 88.9890% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 1.2011% | 1,804 |
| Noncurrent loans to loans | 1.2377% | 1,908 |
| Net loans and leases to total assets | 72.6676% | 1,946 |
| Net loans and leases to deposits | 85.5539% | 2,181 |
| Net loans and leases to core deposits | 92.5591% | 2,170 |
| Total domestic deposits to total assets | 84.9378% | 3,122 |
| Equity capital to assets | 11.0451% | 2,776 |
| Core capital (leverage) ratio | 10.8294% | 2,581 |
| Tier 1 risk-based capital ratio | 15.1229% | 3,118 |
| Total risk-based capital ratio | 16.2515% | 3,108 |
| Memoranda: | ||
| Average total assets | $795,757,000 | 870 |
| Average earning assets | $728,943,600 | 873 |
| Average equity | $85,328,800 | 895 |
| Average total loans | $578,843,200 | 811 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5211% | 1,533 |
| Cost of funding earning assets | 0.3600% | 3,651 |
| Net interest margin | 4.1611% | 1,251 |
| Noninterest income to average assets | 1.0260% | 1,129 |
| Noninterest expense to average assets | 3.5408% | 1,212 |
| Loan and lease loss provision to assets | 0.1142% | 1,976 |
| Net operating income to assets | 0.8667% | 3,101 |
| Return on assets (ROA) | 0.8864% | 3,099 |
| Pretax return on assets | 1.2125% | 2,772 |
| Return on Equity (ROE) | 8.3276% | 2,914 |
| Retained earnings to average equity (ytd only) | 5.1940% | 2,783 |
| Net charge-offs to loans | 0.4863% | 500 |
| Credit loss provision to net charge-offs | 32.3724% | 3,252 |
| Earnings coverage of net charge-offs (x) | 3.6829% | 3,468 |
| Efficiency ratio | 73.1498% | 2,693 |
| Assets per employee ($millions) | 3.6046% | 4,601 |
| Cash dividends to net income (ytd only)* | 37.6293% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1470% | 3,946 |
| Loan loss allowance to noncurrent loans | 81.0428% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 1.2160% | 1,943 |
| Noncurrent loans to loans | 1.4153% | 1,791 |
| Net loans and leases to total assets | 71.4561% | 2,148 |
| Net loans and leases to deposits | 84.0747% | 2,404 |
| Net loans and leases to core deposits | 90.9619% | 2,360 |
| Total domestic deposits to total assets | 84.9912% | 3,013 |
| Equity capital to assets | 10.8562% | 3,186 |
| Core capital (leverage) ratio | 10.6838% | 2,843 |
| Tier 1 risk-based capital ratio | 15.1549% | 3,213 |
| Total risk-based capital ratio | 16.3410% | 3,187 |
| Memoranda: | ||
| Average total assets | $799,457,500 | 878 |
| Average earning assets | $732,868,750 | 871 |
| Average equity | $85,096,750 | 903 |
| Average total loans | $580,098,750 | 808 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4772% | 1,613 |
| Cost of funding earning assets | 0.3547% | 3,756 |
| Net interest margin | 4.1225% | 1,295 |
| Noninterest income to average assets | 1.1674% | 884 |
| Noninterest expense to average assets | 3.4840% | 1,326 |
| Loan and lease loss provision to assets | 0.1684% | 1,240 |
| Net operating income to assets | 0.9515% | 2,626 |
| Return on assets (ROA) | 0.9760% | 2,615 |
| Pretax return on assets | 1.3361% | 2,225 |
| Return on Equity (ROE) | 9.2302% | 2,416 |
| Retained earnings to average equity (ytd only) | 6.8707% | 1,756 |
| Net charge-offs to loans | 0.5374% | 456 |
| Credit loss provision to net charge-offs | 43.1310% | 2,778 |
| Earnings coverage of net charge-offs (x) | 3.7668% | 3,137 |
| Efficiency ratio | 70.3157% | 3,283 |
| Assets per employee ($millions) | 3.4303% | 4,932 |
| Cash dividends to net income (ytd only)* | 25.5624% | 2,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2240% | 3,647 |
| Loan loss allowance to noncurrent loans | 86.9395% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 1.2325% | 2,044 |
| Noncurrent loans to loans | 1.4079% | 1,911 |
| Net loans and leases to total assets | 73.1021% | 1,804 |
| Net loans and leases to deposits | 85.8591% | 2,071 |
| Net loans and leases to core deposits | 92.7880% | 2,085 |
| Total domestic deposits to total assets | 85.1420% | 3,068 |
| Equity capital to assets | 10.8706% | 3,025 |
| Core capital (leverage) ratio | 10.2110% | 3,322 |
| Tier 1 risk-based capital ratio | 14.8976% | 3,419 |
| Total risk-based capital ratio | 16.1479% | 3,348 |
| Memoranda: | ||
| Average total assets | $801,605,330 | 881 |
| Average earning assets | $736,450,000 | 875 |
| Average equity | $84,765,330 | 907 |
| Average total loans | $582,387,670 | 805 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4359% | 1,645 |
| Cost of funding earning assets | 0.3457% | 3,917 |
| Net interest margin | 4.0902% | 1,305 |
| Noninterest income to average assets | 1.4955% | 541 |
| Noninterest expense to average assets | 3.4085% | 1,473 |
| Loan and lease loss provision to assets | -0.0865% | 6,197 |
| Net operating income to assets | 1.3725% | 1,087 |
| Return on assets (ROA) | 1.3725% | 1,147 |
| Pretax return on assets | 1.9382% | 666 |
| Return on Equity (ROE) | 13.1579% | 1,046 |
| Retained earnings to average equity (ytd only) | 13.1579% | 429 |
| Net charge-offs to loans | -0.0419% | 5,432 |
| Credit loss provision to net charge-offs | 286.8852% | 839 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7976% | 4,344 |
| Assets per employee ($millions) | 3.7143% | 4,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3546% | 3,124 |
| Loan loss allowance to noncurrent loans | 84.6146% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 1.2619% | 2,116 |
| Noncurrent loans to loans | 1.6009% | 1,746 |
| Net loans and leases to total assets | 67.2755% | 2,563 |
| Net loans and leases to deposits | 79.0397% | 2,678 |
| Net loans and leases to core deposits | 84.9955% | 2,659 |
| Total domestic deposits to total assets | 85.1161% | 3,351 |
| Equity capital to assets | 10.0656% | 4,068 |
| Core capital (leverage) ratio | 9.6907% | 4,025 |
| Tier 1 risk-based capital ratio | 14.8378% | 3,524 |
| Total risk-based capital ratio | 16.0897% | 3,458 |
| Memoranda: | ||
| Average total assets | $809,634,000 | 874 |
| Average earning assets | $745,199,000 | 857 |
| Average equity | $84,451,000 | 907 |
| Average total loans | $582,897,500 | 801 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7174% | 1,261 |
| Cost of funding earning assets | 0.3750% | 3,976 |
| Net interest margin | 4.3423% | 977 |
| Noninterest income to average assets | 1.0555% | 1,091 |
| Noninterest expense to average assets | 3.5254% | 1,429 |
| Loan and lease loss provision to assets | 0.3456% | 559 |
| Net operating income to assets | 0.8364% | 3,192 |
| Return on assets (ROA) | 0.8364% | 3,287 |
| Pretax return on assets | 1.1601% | 2,823 |
| Return on Equity (ROE) | 7.8091% | 3,226 |
| Retained earnings to average equity (ytd only) | 4.1491% | 3,244 |
| Net charge-offs to loans | 0.0818% | 3,330 |
| Credit loss provision to net charge-offs | 566.3812% | 472 |
| Earnings coverage of net charge-offs (x) | 24.6767% | 1,522 |
| Efficiency ratio | 70.0714% | 3,518 |
| Assets per employee ($millions) | 3.3260% | 5,226 |
| Cash dividends to net income (ytd only)* | 46.8677% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3727% | 3,079 |
| Loan loss allowance to noncurrent loans | 84.6552% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 1.4342% | 1,922 |
| Noncurrent loans to loans | 1.6215% | 1,807 |
| Net loans and leases to total assets | 75.1878% | 1,386 |
| Net loans and leases to deposits | 88.4951% | 1,671 |
| Net loans and leases to core deposits | 95.7461% | 1,748 |
| Total domestic deposits to total assets | 84.9626% | 3,297 |
| Equity capital to assets | 10.8385% | 3,072 |
| Core capital (leverage) ratio | 10.5059% | 2,939 |
| Tier 1 risk-based capital ratio | 14.3561% | 3,858 |
| Total risk-based capital ratio | 15.6082% | 3,797 |
| Memoranda: | ||
| Average total assets | $765,339,000 | 888 |
| Average earning assets | $700,708,800 | 876 |
| Average equity | $81,968,800 | 892 |
| Average total loans | $570,650,800 | 778 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7117% | 1,281 |
| Cost of funding earning assets | 0.3754% | 4,070 |
| Net interest margin | 4.3363% | 980 |
| Noninterest income to average assets | 1.1378% | 932 |
| Noninterest expense to average assets | 3.4162% | 1,621 |
| Loan and lease loss provision to assets | 0.1890% | 1,293 |
| Net operating income to assets | 1.0969% | 2,050 |
| Return on assets (ROA) | 1.0969% | 2,115 |
| Pretax return on assets | 1.5005% | 1,645 |
| Return on Equity (ROE) | 10.2722% | 2,079 |
| Retained earnings to average equity (ytd only) | 7.0096% | 1,819 |
| Net charge-offs to loans | 0.0648% | 3,276 |
| Credit loss provision to net charge-offs | 393.1159% | 713 |
| Earnings coverage of net charge-offs (x) | 35.1414% | 1,232 |
| Efficiency ratio | 66.9100% | 4,060 |
| Assets per employee ($millions) | 3.3196% | 5,207 |
| Cash dividends to net income (ytd only)* | 31.7612% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1533% | 4,482 |
| Loan loss allowance to noncurrent loans | 149.6955% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 0.8050% | 3,407 |
| Noncurrent loans to loans | 0.7704% | 3,659 |
| Net loans and leases to total assets | 74.4911% | 1,443 |
| Net loans and leases to deposits | 87.7322% | 1,704 |
| Net loans and leases to core deposits | 94.9656% | 1,763 |
| Total domestic deposits to total assets | 84.9073% | 3,373 |
| Equity capital to assets | 10.9458% | 3,008 |
| Core capital (leverage) ratio | 10.8584% | 2,624 |
| Tier 1 risk-based capital ratio | 14.3392% | 3,994 |
| Total risk-based capital ratio | 15.5063% | 3,971 |
| Memoranda: | ||
| Average total assets | $765,430,000 | 890 |
| Average earning assets | $700,397,250 | 882 |
| Average equity | $81,733,000 | 899 |
| Average total loans | $567,520,250 | 778 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6832% | 1,321 |
| Cost of funding earning assets | 0.3814% | 4,087 |
| Net interest margin | 4.3018% | 1,022 |
| Noninterest income to average assets | 1.3323% | 681 |
| Noninterest expense to average assets | 3.3524% | 1,799 |
| Loan and lease loss provision to assets | 0.4699% | 327 |
| Net operating income to assets | 1.0634% | 2,064 |
| Return on assets (ROA) | 1.0634% | 2,143 |
| Pretax return on assets | 1.4526% | 1,704 |
| Return on Equity (ROE) | 10.0420% | 2,134 |
| Retained earnings to average equity (ytd only) | 7.5765% | 1,485 |
| Net charge-offs to loans | 0.0096% | 4,081 |
| Credit loss provision to net charge-offs | 6,666.6667% | 51 |
| Earnings coverage of net charge-offs (x) | 272.7407% | 248 |
| Efficiency ratio | 63.5536% | 4,762 |
| Assets per employee ($millions) | 3.1919% | 5,437 |
| Cash dividends to net income (ytd only)* | 24.5519% | 3,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3180% | 3,760 |
| Loan loss allowance to noncurrent loans | 221.0588% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 0.6796% | 3,956 |
| Noncurrent loans to loans | 0.5962% | 4,238 |
| Net loans and leases to total assets | 75.8621% | 1,184 |
| Net loans and leases to deposits | 88.9270% | 1,487 |
| Net loans and leases to core deposits | 95.1065% | 1,678 |
| Total domestic deposits to total assets | 85.3083% | 3,357 |
| Equity capital to assets | 11.0171% | 2,859 |
| Core capital (leverage) ratio | 10.2647% | 3,252 |
| Tier 1 risk-based capital ratio | 14.1297% | 4,173 |
| Total risk-based capital ratio | 15.3809% | 4,109 |
| Memoranda: | ||
| Average total assets | $766,067,670 | 889 |
| Average earning assets | $702,129,670 | 875 |
| Average equity | $81,119,670 | 898 |
| Average total loans | $564,897,670 | 776 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5846% | 1,541 |
| Cost of funding earning assets | 0.3738% | 4,267 |
| Net interest margin | 4.2108% | 1,187 |
| Noninterest income to average assets | 1.7761% | 405 |
| Noninterest expense to average assets | 3.3822% | 1,744 |
| Loan and lease loss provision to assets | 0.1938% | 1,218 |
| Net operating income to assets | 1.4609% | 877 |
| Return on assets (ROA) | 1.4609% | 906 |
| Pretax return on assets | 2.0650% | 459 |
| Return on Equity (ROE) | 14.0717% | 934 |
| Retained earnings to average equity (ytd only) | 14.0717% | 389 |
| Net charge-offs to loans | 0.1138% | 2,040 |
| Credit loss provision to net charge-offs | 235.8491% | 936 |
| Earnings coverage of net charge-offs (x) | 27.4906% | 1,108 |
| Efficiency ratio | 59.9579% | 5,414 |
| Assets per employee ($millions) | 3.4028% | 5,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0739% | 5,232 |
| Loan loss allowance to noncurrent loans | 170.1774% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 0.6037% | 4,333 |
| Noncurrent loans to loans | 0.6311% | 4,286 |
| Net loans and leases to total assets | 68.4486% | 2,152 |
| Net loans and leases to deposits | 79.0445% | 2,423 |
| Net loans and leases to core deposits | 83.3531% | 2,590 |
| Total domestic deposits to total assets | 86.5950% | 3,051 |
| Equity capital to assets | 10.0731% | 3,758 |
| Core capital (leverage) ratio | 9.5424% | 4,223 |
| Tier 1 risk-based capital ratio | 14.4097% | 4,057 |
| Total risk-based capital ratio | 15.4980% | 4,113 |
| Memoranda: | ||
| Average total assets | $774,052,000 | 878 |
| Average earning assets | $710,464,000 | 871 |
| Average equity | $80,360,000 | 909 |
| Average total loans | $559,026,000 | 783 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7211% | 1,514 |
| Cost of funding earning assets | 0.4647% | 3,971 |
| Net interest margin | 4.2564% | 1,204 |
| Noninterest income to average assets | 0.9964% | 1,404 |
| Noninterest expense to average assets | 3.4949% | 1,664 |
| Loan and lease loss provision to assets | 0.0480% | 4,170 |
| Net operating income to assets | 0.9956% | 2,341 |
| Return on assets (ROA) | 0.9956% | 2,418 |
| Pretax return on assets | 1.3456% | 1,985 |
| Return on Equity (ROE) | 9.5793% | 2,289 |
| Retained earnings to average equity (ytd only) | -0.5723% | 5,987 |
| Net charge-offs to loans | 0.2040% | 2,842 |
| Credit loss provision to net charge-offs | 32.6750% | 4,190 |
| Earnings coverage of net charge-offs (x) | 9.4856% | 2,498 |
| Efficiency ratio | 71.4922% | 3,569 |
| Assets per employee ($millions) | 3.0491% | 5,763 |
| Cash dividends to net income (ytd only)* | 105.9743% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0493% | 5,349 |
| Loan loss allowance to noncurrent loans | 171.3824% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 0.6427% | 4,307 |
| Noncurrent loans to loans | 0.6122% | 4,448 |
| Net loans and leases to total assets | 74.7801% | 1,246 |
| Net loans and leases to deposits | 87.0157% | 1,574 |
| Net loans and leases to core deposits | 92.4337% | 1,743 |
| Total domestic deposits to total assets | 85.9386% | 3,289 |
| Equity capital to assets | 10.7233% | 2,910 |
| Core capital (leverage) ratio | 10.5041% | 2,916 |
| Tier 1 risk-based capital ratio | 14.1282% | 4,208 |
| Total risk-based capital ratio | 15.1942% | 4,271 |
| Memoranda: | ||
| Average total assets | $758,253,800 | 883 |
| Average earning assets | $693,353,000 | 873 |
| Average equity | $78,805,400 | 905 |
| Average total loans | $546,078,000 | 772 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6665% | 1,694 |
| Cost of funding earning assets | 0.4795% | 3,966 |
| Net interest margin | 4.1870% | 1,377 |
| Noninterest income to average assets | 1.1614% | 1,085 |
| Noninterest expense to average assets | 3.5469% | 1,502 |
| Loan and lease loss provision to assets | 0.0967% | 3,147 |
| Net operating income to assets | 1.0054% | 2,358 |
| Return on assets (ROA) | 1.0054% | 2,440 |
| Pretax return on assets | 1.3457% | 2,139 |
| Return on Equity (ROE) | 9.7485% | 2,281 |
| Retained earnings to average equity (ytd only) | -2.0945% | 6,277 |
| Net charge-offs to loans | 0.0473% | 4,231 |
| Credit loss provision to net charge-offs | 287.0466% | 885 |
| Earnings coverage of net charge-offs (x) | 42.8285% | 961 |
| Efficiency ratio | 71.0908% | 3,592 |
| Assets per employee ($millions) | 2.9884% | 5,871 |
| Cash dividends to net income (ytd only)* | 121.4857% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2718% | 4,531 |
| Loan loss allowance to noncurrent loans | 159.3843% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 0.9680% | 3,729 |
| Noncurrent loans to loans | 0.7980% | 4,245 |
| Net loans and leases to total assets | 73.2612% | 1,406 |
| Net loans and leases to deposits | 85.3981% | 1,692 |
| Net loans and leases to core deposits | 90.3989% | 1,931 |
| Total domestic deposits to total assets | 85.7878% | 3,360 |
| Equity capital to assets | 10.6756% | 3,097 |
| Core capital (leverage) ratio | 10.4203% | 3,094 |
| Tier 1 risk-based capital ratio | 14.1601% | 4,313 |
| Total risk-based capital ratio | 15.4104% | 4,260 |
| Memoranda: | ||
| Average total assets | $764,107,250 | 882 |
| Average earning assets | $698,557,750 | 869 |
| Average equity | $78,807,000 | 917 |
| Average total loans | $543,762,250 | 775 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6029% | 1,846 |
| Cost of funding earning assets | 0.4958% | 3,938 |
| Net interest margin | 4.1071% | 1,516 |
| Noninterest income to average assets | 1.3480% | 862 |
| Noninterest expense to average assets | 3.5287% | 1,538 |
| Loan and lease loss provision to assets | -0.0685% | 6,670 |
| Net operating income to assets | 1.2218% | 1,536 |
| Return on assets (ROA) | 1.2218% | 1,640 |
| Pretax return on assets | 1.6540% | 1,227 |
| Return on Equity (ROE) | 11.9799% | 1,501 |
| Retained earnings to average equity (ytd only) | -3.2262% | 6,336 |
| Net charge-offs to loans | 0.0633% | 3,801 |
| Credit loss provision to net charge-offs | -154.0698% | 5,678 |
| Earnings coverage of net charge-offs (x) | 35.6628% | 1,017 |
| Efficiency ratio | 68.9983% | 4,009 |
| Assets per employee ($millions) | 2.9492% | 5,932 |
| Cash dividends to net income (ytd only)* | 126.9304% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1350% | 5,298 |
| Loan loss allowance to noncurrent loans | 160.5229% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 0.9056% | 3,974 |
| Noncurrent loans to loans | 0.7071% | 4,520 |
| Net loans and leases to total assets | 72.2505% | 1,529 |
| Net loans and leases to deposits | 84.0720% | 1,797 |
| Net loans and leases to core deposits | 89.5785% | 1,944 |
| Total domestic deposits to total assets | 85.9389% | 3,405 |
| Equity capital to assets | 10.5031% | 3,305 |
| Core capital (leverage) ratio | 9.9216% | 3,631 |
| Tier 1 risk-based capital ratio | 14.3585% | 4,187 |
| Total risk-based capital ratio | 15.5122% | 4,200 |
| Memoranda: | ||
| Average total assets | $773,759,000 | 870 |
| Average earning assets | $709,545,670 | 861 |
| Average equity | $78,915,330 | 922 |
| Average total loans | $543,176,670 | 767 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5213% | 2,093 |
| Cost of funding earning assets | 0.4959% | 4,130 |
| Net interest margin | 4.0254% | 1,692 |
| Noninterest income to average assets | 1.7573% | 521 |
| Noninterest expense to average assets | 3.5456% | 1,535 |
| Loan and lease loss provision to assets | -0.0329% | 6,768 |
| Net operating income to assets | 1.4482% | 960 |
| Return on assets (ROA) | 1.4482% | 1,040 |
| Pretax return on assets | 1.9415% | 673 |
| Return on Equity (ROE) | 14.4004% | 880 |
| Retained earnings to average equity (ytd only) | -10.7575% | 6,642 |
| Net charge-offs to loans | 0.1587% | 2,453 |
| Credit loss provision to net charge-offs | -30.0926% | 5,011 |
| Earnings coverage of net charge-offs (x) | 17.4630% | 1,313 |
| Efficiency ratio | 65.0060% | 4,822 |
| Assets per employee ($millions) | 3.3753% | 5,267 |
| Cash dividends to net income (ytd only)* | 174.7030% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1646% | 5,351 |
| Loan loss allowance to noncurrent loans | 151.5648% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 0.9081% | 4,124 |
| Noncurrent loans to loans | 0.7684% | 4,589 |
| Net loans and leases to total assets | 64.8769% | 2,558 |
| Net loans and leases to deposits | 73.8270% | 2,939 |
| Net loans and leases to core deposits | 78.0506% | 3,055 |
| Total domestic deposits to total assets | 87.8769% | 2,397 |
| Equity capital to assets | 9.5180% | 4,826 |
| Core capital (leverage) ratio | 9.1917% | 4,582 |
| Tier 1 risk-based capital ratio | 14.2759% | 4,303 |
| Total risk-based capital ratio | 15.4655% | 4,315 |
| Memoranda: | ||
| Average total assets | $790,510,500 | 851 |
| Average earning assets | $725,986,500 | 846 |
| Average equity | $79,498,000 | 926 |
| Average total loans | $544,275,500 | 766 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9154% | 1,788 |
| Cost of funding earning assets | 0.7480% | 3,101 |
| Net interest margin | 4.1673% | 1,753 |
| Noninterest income to average assets | 0.9492% | 1,706 |
| Noninterest expense to average assets | 3.4042% | 2,035 |
| Loan and lease loss provision to assets | 0.1924% | 3,230 |
| Net operating income to assets | 0.8461% | 3,064 |
| Return on assets (ROA) | 0.8461% | 3,317 |
| Pretax return on assets | 1.1730% | 2,896 |
| Return on Equity (ROE) | 8.4121% | 2,911 |
| Retained earnings to average equity (ytd only) | 3.4027% | 3,832 |
| Net charge-offs to loans | 0.3505% | 2,880 |
| Credit loss provision to net charge-offs | 77.6704% | 3,907 |
| Earnings coverage of net charge-offs (x) | 5.5132% | 3,015 |
| Efficiency ratio | 71.3731% | 3,546 |
| Assets per employee ($millions) | 3.1043% | 5,838 |
| Cash dividends to net income (ytd only)* | 59.5504% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2003% | 5,109 |
| Loan loss allowance to noncurrent loans | 176.3744% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.9718% | 4,079 |
| Noncurrent loans to loans | 0.6805% | 4,838 |
| Net loans and leases to total assets | 71.4729% | 1,578 |
| Net loans and leases to deposits | 82.4163% | 1,948 |
| Net loans and leases to core deposits | 89.1905% | 1,941 |
| Total domestic deposits to total assets | 86.7218% | 2,976 |
| Equity capital to assets | 10.6421% | 3,346 |
| Core capital (leverage) ratio | 10.0212% | 3,368 |
| Tier 1 risk-based capital ratio | 14.4845% | 4,043 |
| Total risk-based capital ratio | 15.7107% | 4,013 |
| Memoranda: | ||
| Average total assets | $793,841,200 | 836 |
| Average earning assets | $727,759,600 | 822 |
| Average equity | $79,849,000 | 877 |
| Average total loans | $560,944,200 | 740 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9213% | 1,934 |
| Cost of funding earning assets | 0.7593% | 3,277 |
| Net interest margin | 4.1620% | 1,859 |
| Noninterest income to average assets | 1.0539% | 1,362 |
| Noninterest expense to average assets | 3.2372% | 2,460 |
| Loan and lease loss provision to assets | 0.4910% | 1,256 |
| Net operating income to assets | 0.8391% | 3,265 |
| Return on assets (ROA) | 0.8391% | 3,515 |
| Pretax return on assets | 1.1441% | 3,184 |
| Return on Equity (ROE) | 8.4575% | 3,060 |
| Retained earnings to average equity (ytd only) | 5.1100% | 3,288 |
| Net charge-offs to loans | 0.5001% | 2,117 |
| Credit loss provision to net charge-offs | 139.7448% | 2,068 |
| Earnings coverage of net charge-offs (x) | 4.6536% | 3,240 |
| Efficiency ratio | 66.4406% | 4,365 |
| Assets per employee ($millions) | 3.2174% | 5,602 |
| Cash dividends to net income (ytd only)* | 39.5805% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4223% | 4,275 |
| Loan loss allowance to noncurrent loans | 113.3112% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 1.2909% | 3,712 |
| Noncurrent loans to loans | 1.2552% | 3,959 |
| Net loans and leases to total assets | 69.3661% | 2,044 |
| Net loans and leases to deposits | 80.3658% | 2,337 |
| Net loans and leases to core deposits | 87.0763% | 2,335 |
| Total domestic deposits to total assets | 86.3129% | 3,079 |
| Equity capital to assets | 10.3549% | 4,011 |
| Core capital (leverage) ratio | 9.9245% | 3,659 |
| Tier 1 risk-based capital ratio | 14.6537% | 4,086 |
| Total risk-based capital ratio | 15.9065% | 4,046 |
| Memoranda: | ||
| Average total assets | $802,940,500 | 823 |
| Average earning assets | $736,644,500 | 817 |
| Average equity | $79,659,250 | 880 |
| Average total loans | $564,194,250 | 735 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9634% | 1,892 |
| Cost of funding earning assets | 0.7718% | 3,432 |
| Net interest margin | 4.1915% | 1,776 |
| Noninterest income to average assets | 1.1865% | 1,009 |
| Noninterest expense to average assets | 3.2560% | 2,420 |
| Loan and lease loss provision to assets | 0.4418% | 1,465 |
| Net operating income to assets | 0.9606% | 2,615 |
| Return on assets (ROA) | 0.9606% | 2,864 |
| Pretax return on assets | 1.3341% | 2,441 |
| Return on Equity (ROE) | 9.8211% | 2,433 |
| Retained earnings to average equity (ytd only) | 7.2931% | 1,959 |
| Net charge-offs to loans | 0.5650% | 1,903 |
| Credit loss provision to net charge-offs | 111.3396% | 2,441 |
| Earnings coverage of net charge-offs (x) | 4.4754% | 3,069 |
| Efficiency ratio | 64.7062% | 4,765 |
| Assets per employee ($millions) | 3.1759% | 5,700 |
| Cash dividends to net income (ytd only)* | 25.7400% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2985% | 4,899 |
| Loan loss allowance to noncurrent loans | 136.0166% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 1.0811% | 4,218 |
| Noncurrent loans to loans | 0.9547% | 4,597 |
| Net loans and leases to total assets | 69.1846% | 2,075 |
| Net loans and leases to deposits | 79.9638% | 2,390 |
| Net loans and leases to core deposits | 87.0959% | 2,305 |
| Total domestic deposits to total assets | 86.5199% | 3,059 |
| Equity capital to assets | 10.1866% | 4,065 |
| Core capital (leverage) ratio | 9.6110% | 3,981 |
| Tier 1 risk-based capital ratio | 14.6934% | 3,970 |
| Total risk-based capital ratio | 15.9447% | 3,932 |
| Memoranda: | ||
| Average total assets | $808,908,000 | 818 |
| Average earning assets | $742,117,330 | 810 |
| Average equity | $79,115,670 | 879 |
| Average total loans | $568,123,330 | 734 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0062% | 1,865 |
| Cost of funding earning assets | 0.7821% | 3,612 |
| Net interest margin | 4.2241% | 1,690 |
| Noninterest income to average assets | 1.4856% | 655 |
| Noninterest expense to average assets | 3.2554% | 2,427 |
| Loan and lease loss provision to assets | 0.5922% | 973 |
| Net operating income to assets | 1.0739% | 2,189 |
| Return on assets (ROA) | 1.0739% | 2,375 |
| Pretax return on assets | 1.5155% | 1,833 |
| Return on Equity (ROE) | 11.2047% | 1,939 |
| Retained earnings to average equity (ytd only) | 11.2047% | 984 |
| Net charge-offs to loans | 1.2354% | 823 |
| Credit loss provision to net charge-offs | 68.1869% | 2,950 |
| Earnings coverage of net charge-offs (x) | 2.4268% | 3,208 |
| Efficiency ratio | 60.7003% | 5,506 |
| Assets per employee ($millions) | 3.4249% | 5,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1484% | 5,720 |
| Loan loss allowance to noncurrent loans | 139.3305% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 1.0718% | 4,347 |
| Noncurrent loans to loans | 0.8242% | 5,026 |
| Net loans and leases to total assets | 65.9100% | 2,484 |
| Net loans and leases to deposits | 75.3501% | 2,916 |
| Net loans and leases to core deposits | 81.9125% | 2,849 |
| Total domestic deposits to total assets | 87.4717% | 2,671 |
| Equity capital to assets | 9.4414% | 4,884 |
| Core capital (leverage) ratio | 8.9429% | 4,926 |
| Tier 1 risk-based capital ratio | 14.2746% | 4,262 |
| Total risk-based capital ratio | 15.4679% | 4,278 |
| Memoranda: | ||
| Average total assets | $817,961,000 | 813 |
| Average earning assets | $750,835,500 | 806 |
| Average equity | $78,395,500 | 885 |
| Average total loans | $575,029,500 | 723 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3573% | 1,543 |
| Cost of funding earning assets | 1.1709% | 2,214 |
| Net interest margin | 4.1864% | 2,106 |
| Noninterest income to average assets | 0.7405% | 2,388 |
| Noninterest expense to average assets | 3.1216% | 3,127 |
| Loan and lease loss provision to assets | 0.5810% | 1,781 |
| Net operating income to assets | 0.6703% | 3,628 |
| Return on assets (ROA) | 0.6703% | 3,820 |
| Pretax return on assets | 0.9025% | 3,602 |
| Return on Equity (ROE) | 7.2886% | 3,252 |
| Retained earnings to average equity (ytd only) | 3.3474% | 3,838 |
| Net charge-offs to loans | 1.1200% | 1,534 |
| Credit loss provision to net charge-offs | 70.1941% | 4,841 |
| Earnings coverage of net charge-offs (x) | 1.7923% | 4,440 |
| Efficiency ratio | 67.7860% | 4,402 |
| Assets per employee ($millions) | 3.1736% | 5,763 |
| Cash dividends to net income (ytd only)* | 54.0735% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1926% | 5,428 |
| Loan loss allowance to noncurrent loans | 236.7072% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.9084% | 4,795 |
| Noncurrent loans to loans | 0.5038% | 5,701 |
| Net loans and leases to total assets | 73.2652% | 1,394 |
| Net loans and leases to deposits | 84.3044% | 1,882 |
| Net loans and leases to core deposits | 92.2241% | 1,865 |
| Total domestic deposits to total assets | 86.9055% | 2,815 |
| Equity capital to assets | 9.7360% | 4,537 |
| Core capital (leverage) ratio | 9.3809% | 4,208 |
| Tier 1 risk-based capital ratio | 13.1697% | 4,940 |
| Total risk-based capital ratio | 14.4020% | 4,934 |
| Memoranda: | ||
| Average total assets | $827,716,600 | 785 |
| Average earning assets | $764,101,600 | 777 |
| Average equity | $76,119,200 | 882 |
| Average total loans | $611,720,800 | 685 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3586% | 1,650 |
| Cost of funding earning assets | 1.2203% | 2,190 |
| Net interest margin | 4.1382% | 2,316 |
| Noninterest income to average assets | 0.8690% | 1,758 |
| Noninterest expense to average assets | 3.0716% | 3,274 |
| Loan and lease loss provision to assets | 0.7645% | 1,237 |
| Net operating income to assets | 0.6470% | 3,886 |
| Return on assets (ROA) | 0.6470% | 4,063 |
| Pretax return on assets | 0.8585% | 3,918 |
| Return on Equity (ROE) | 7.1343% | 3,462 |
| Retained earnings to average equity (ytd only) | 3.6182% | 4,174 |
| Net charge-offs to loans | 1.6559% | 843 |
| Credit loss provision to net charge-offs | 62.5163% | 4,725 |
| Earnings coverage of net charge-offs (x) | 1.3272% | 4,622 |
| Efficiency ratio | 65.4282% | 4,818 |
| Assets per employee ($millions) | 3.2521% | 5,568 |
| Cash dividends to net income (ytd only)* | 49.2854% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0228% | 6,152 |
| Loan loss allowance to noncurrent loans | 112.0718% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 1.1717% | 4,444 |
| Noncurrent loans to loans | 0.9127% | 5,043 |
| Net loans and leases to total assets | 73.5910% | 1,394 |
| Net loans and leases to deposits | 84.5747% | 1,906 |
| Net loans and leases to core deposits | 93.0675% | 1,878 |
| Total domestic deposits to total assets | 87.0131% | 2,652 |
| Equity capital to assets | 9.4726% | 5,127 |
| Core capital (leverage) ratio | 9.1322% | 4,739 |
| Tier 1 risk-based capital ratio | 12.7887% | 5,259 |
| Total risk-based capital ratio | 13.8503% | 5,382 |
| Memoranda: | ||
| Average total assets | $836,296,000 | 789 |
| Average earning assets | $773,098,500 | 774 |
| Average equity | $75,837,750 | 894 |
| Average total loans | $617,575,750 | 681 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3869% | 1,605 |
| Cost of funding earning assets | 1.2499% | 2,251 |
| Net interest margin | 4.1369% | 2,278 |
| Noninterest income to average assets | 1.0717% | 1,146 |
| Noninterest expense to average assets | 3.0396% | 3,484 |
| Loan and lease loss provision to assets | 0.8637% | 1,043 |
| Net operating income to assets | 0.7346% | 3,367 |
| Return on assets (ROA) | 0.7346% | 3,487 |
| Pretax return on assets | 0.9916% | 3,272 |
| Return on Equity (ROE) | 8.2179% | 2,853 |
| Retained earnings to average equity (ytd only) | 5.5669% | 2,654 |
| Net charge-offs to loans | 2.1073% | 619 |
| Credit loss provision to net charge-offs | 55.6234% | 4,447 |
| Earnings coverage of net charge-offs (x) | 1.1949% | 4,387 |
| Efficiency ratio | 62.0970% | 5,570 |
| Assets per employee ($millions) | 3.2324% | 5,563 |
| Cash dividends to net income (ytd only)* | 32.2581% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0029% | 6,319 |
| Loan loss allowance to noncurrent loans | 110.7509% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 1.1924% | 4,507 |
| Noncurrent loans to loans | 0.9055% | 5,153 |
| Net loans and leases to total assets | 73.3647% | 1,524 |
| Net loans and leases to deposits | 88.9210% | 1,381 |
| Net loans and leases to core deposits | 100.0854% | 1,333 |
| Total domestic deposits to total assets | 82.5055% | 4,984 |
| Equity capital to assets | 9.2839% | 5,163 |
| Core capital (leverage) ratio | 8.8141% | 5,022 |
| Tier 1 risk-based capital ratio | 12.5547% | 5,287 |
| Total risk-based capital ratio | 13.5907% | 5,465 |
| Memoranda: | ||
| Average total assets | $844,052,330 | 790 |
| Average earning assets | $780,045,330 | 773 |
| Average equity | $75,445,330 | 894 |
| Average total loans | $621,935,000 | 688 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4805% | 1,353 |
| Cost of funding earning assets | 1.2765% | 2,327 |
| Net interest margin | 4.2039% | 1,879 |
| Noninterest income to average assets | 1.4159% | 641 |
| Noninterest expense to average assets | 3.0396% | 3,485 |
| Loan and lease loss provision to assets | 1.3248% | 512 |
| Net operating income to assets | 0.7011% | 3,516 |
| Return on assets (ROA) | 0.7011% | 3,581 |
| Pretax return on assets | 0.9414% | 3,355 |
| Return on Equity (ROE) | 7.9940% | 2,919 |
| Retained earnings to average equity (ytd only) | 7.9940% | 1,738 |
| Net charge-offs to loans | 2.6863% | 409 |
| Credit loss provision to net charge-offs | 67.1184% | 3,403 |
| Earnings coverage of net charge-offs (x) | 1.1481% | 3,800 |
| Efficiency ratio | 57.2882% | 6,348 |
| Assets per employee ($millions) | 3.4261% | 5,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2362% | 5,457 |
| Loan loss allowance to noncurrent loans | 162.1593% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 1.0709% | 4,782 |
| Noncurrent loans to loans | 0.7624% | 5,503 |
| Net loans and leases to total assets | 71.0197% | 1,914 |
| Net loans and leases to deposits | 84.2577% | 1,991 |
| Net loans and leases to core deposits | 93.6627% | 1,935 |
| Total domestic deposits to total assets | 84.2887% | 4,372 |
| Equity capital to assets | 8.7518% | 5,570 |
| Core capital (leverage) ratio | 8.0025% | 6,256 |
| Tier 1 risk-based capital ratio | 12.5328% | 5,235 |
| Total risk-based capital ratio | 13.7833% | 5,209 |
| Memoranda: | ||
| Average total assets | $852,336,000 | 785 |
| Average earning assets | $788,691,000 | 768 |
| Average equity | $74,756,500 | 894 |
| Average total loans | $626,286,500 | 691 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7058% | 1,552 |
| Cost of funding earning assets | 1.6150% | 1,979 |
| Net interest margin | 4.0908% | 2,613 |
| Noninterest income to average assets | 0.6638% | 3,058 |
| Noninterest expense to average assets | 2.9332% | 4,094 |
| Loan and lease loss provision to assets | 0.6926% | 2,375 |
| Net operating income to assets | 0.6254% | 3,561 |
| Return on assets (ROA) | 0.6254% | 3,723 |
| Pretax return on assets | 0.8133% | 3,586 |
| Return on Equity (ROE) | 6.9569% | 3,144 |
| Retained earnings to average equity (ytd only) | 0.8922% | 5,102 |
| Net charge-offs to loans | 0.7110% | 2,879 |
| Credit loss provision to net charge-offs | 125.8697% | 3,231 |
| Earnings coverage of net charge-offs (x) | 2.7367% | 3,708 |
| Efficiency ratio | 66.0763% | 4,956 |
| Assets per employee ($millions) | 3.3385% | 5,338 |
| Cash dividends to net income (ytd only)* | 87.1755% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4338% | 4,358 |
| Loan loss allowance to noncurrent loans | 186.4553% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 1.1008% | 4,815 |
| Noncurrent loans to loans | 0.7690% | 5,512 |
| Net loans and leases to total assets | 74.0135% | 1,660 |
| Net loans and leases to deposits | 89.3849% | 1,602 |
| Net loans and leases to core deposits | 100.8483% | 1,550 |
| Total domestic deposits to total assets | 82.8032% | 4,879 |
| Equity capital to assets | 8.7903% | 5,448 |
| Core capital (leverage) ratio | 8.5454% | 5,282 |
| Tier 1 risk-based capital ratio | 12.1564% | 5,332 |
| Total risk-based capital ratio | 13.4097% | 5,307 |
| Memoranda: | ||
| Average total assets | $825,417,200 | 816 |
| Average earning assets | $761,753,200 | 801 |
| Average equity | $74,199,600 | 891 |
| Average total loans | $638,815,400 | 690 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7885% | 1,431 |
| Cost of funding earning assets | 1.6601% | 2,046 |
| Net interest margin | 4.1284% | 2,494 |
| Noninterest income to average assets | 0.6825% | 2,927 |
| Noninterest expense to average assets | 3.0456% | 3,592 |
| Loan and lease loss provision to assets | 0.6079% | 2,503 |
| Net operating income to assets | 0.6236% | 3,777 |
| Return on assets (ROA) | 0.6236% | 3,949 |
| Pretax return on assets | 0.8362% | 3,781 |
| Return on Equity (ROE) | 6.8980% | 3,394 |
| Retained earnings to average equity (ytd only) | 0.6140% | 5,554 |
| Net charge-offs to loans | 0.5183% | 3,223 |
| Credit loss provision to net charge-offs | 150.4016% | 2,588 |
| Earnings coverage of net charge-offs (x) | 3.5731% | 3,389 |
| Efficiency ratio | 67.8356% | 4,496 |
| Assets per employee ($millions) | 3.3917% | 5,223 |
| Cash dividends to net income (ytd only)* | 91.0984% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4398% | 4,258 |
| Loan loss allowance to noncurrent loans | 127.8936% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 1.3803% | 4,406 |
| Noncurrent loans to loans | 1.1258% | 4,983 |
| Net loans and leases to total assets | 74.0660% | 1,786 |
| Net loans and leases to deposits | 89.2500% | 1,828 |
| Net loans and leases to core deposits | 101.0016% | 1,747 |
| Total domestic deposits to total assets | 82.9870% | 4,591 |
| Equity capital to assets | 8.7894% | 5,872 |
| Core capital (leverage) ratio | 8.6713% | 5,240 |
| Tier 1 risk-based capital ratio | 11.8896% | 5,561 |
| Total risk-based capital ratio | 13.1428% | 5,533 |
| Memoranda: | ||
| Average total assets | $821,445,000 | 825 |
| Average earning assets | $757,529,250 | 806 |
| Average equity | $74,261,250 | 890 |
| Average total loans | $640,584,750 | 689 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8893% | 1,211 |
| Cost of funding earning assets | 1.7108% | 2,066 |
| Net interest margin | 4.1785% | 2,232 |
| Noninterest income to average assets | 0.7177% | 2,591 |
| Noninterest expense to average assets | 3.0589% | 3,476 |
| Loan and lease loss provision to assets | 0.3736% | 3,473 |
| Net operating income to assets | 0.8209% | 2,873 |
| Return on assets (ROA) | 0.8209% | 3,023 |
| Pretax return on assets | 1.1365% | 2,648 |
| Return on Equity (ROE) | 8.9940% | 2,470 |
| Retained earnings to average equity (ytd only) | 2.2620% | 4,714 |
| Net charge-offs to loans | 0.5939% | 2,744 |
| Credit loss provision to net charge-offs | 79.6646% | 4,716 |
| Earnings coverage of net charge-offs (x) | 3.2201% | 3,403 |
| Efficiency ratio | 66.9500% | 4,775 |
| Assets per employee ($millions) | 3.2139% | 5,651 |
| Cash dividends to net income (ytd only)* | 74.8503% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1650% | 5,627 |
| Loan loss allowance to noncurrent loans | 107.2246% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 1.4422% | 4,302 |
| Noncurrent loans to loans | 1.0865% | 5,149 |
| Net loans and leases to total assets | 78.2002% | 1,079 |
| Net loans and leases to deposits | 94.3817% | 1,223 |
| Net loans and leases to core deposits | 108.5089% | 1,263 |
| Total domestic deposits to total assets | 82.8552% | 4,627 |
| Equity capital to assets | 9.1871% | 5,162 |
| Core capital (leverage) ratio | 8.8697% | 4,803 |
| Tier 1 risk-based capital ratio | 11.7506% | 5,539 |
| Total risk-based capital ratio | 12.9636% | 5,531 |
| Memoranda: | ||
| Average total assets | $813,747,000 | 837 |
| Average earning assets | $750,038,000 | 820 |
| Average equity | $74,271,670 | 884 |
| Average total loans | $642,561,670 | 693 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9423% | 1,097 |
| Cost of funding earning assets | 1.7630% | 2,051 |
| Net interest margin | 4.1793% | 2,122 |
| Noninterest income to average assets | 0.7700% | 2,176 |
| Noninterest expense to average assets | 3.0204% | 3,603 |
| Loan and lease loss provision to assets | 0.4054% | 2,938 |
| Net operating income to assets | 0.8584% | 2,715 |
| Return on assets (ROA) | 0.8584% | 2,805 |
| Pretax return on assets | 1.1950% | 2,377 |
| Return on Equity (ROE) | 9.4360% | 2,328 |
| Retained earnings to average equity (ytd only) | 4.0348% | 3,732 |
| Net charge-offs to loans | 0.1682% | 3,916 |
| Credit loss provision to net charge-offs | 305.5556% | 1,287 |
| Earnings coverage of net charge-offs (x) | 12.0630% | 1,592 |
| Efficiency ratio | 65.3658% | 5,241 |
| Assets per employee ($millions) | 3.3844% | 5,329 |
| Cash dividends to net income (ytd only)* | 57.2410% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3143% | 4,852 |
| Loan loss allowance to noncurrent loans | 103.4322% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 1.6011% | 4,092 |
| Noncurrent loans to loans | 1.2707% | 4,857 |
| Net loans and leases to total assets | 76.7255% | 1,387 |
| Net loans and leases to deposits | 93.1824% | 1,451 |
| Net loans and leases to core deposits | 104.5413% | 1,695 |
| Total domestic deposits to total assets | 82.3391% | 4,915 |
| Equity capital to assets | 9.0054% | 5,274 |
| Core capital (leverage) ratio | 8.5257% | 5,329 |
| Tier 1 risk-based capital ratio | 11.5761% | 5,602 |
| Total risk-based capital ratio | 12.8273% | 5,574 |
| Memoranda: | ||
| Average total assets | $814,062,000 | 851 |
| Average earning assets | $750,083,500 | 839 |
| Average equity | $74,056,500 | 897 |
| Average total loans | $642,165,500 | 711 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0066% | 1,839 |
| Cost of funding earning assets | 2.1130% | 2,401 |
| Net interest margin | 3.8936% | 3,293 |
| Noninterest income to average assets | 0.8826% | 2,019 |
| Noninterest expense to average assets | 2.9971% | 4,154 |
| Loan and lease loss provision to assets | 0.3801% | 4,508 |
| Net operating income to assets | 0.8265% | 2,427 |
| Return on assets (ROA) | 0.8265% | 2,514 |
| Pretax return on assets | 1.1090% | 2,219 |
| Return on Equity (ROE) | 9.1152% | 1,986 |
| Retained earnings to average equity (ytd only) | 3.6158% | 2,653 |
| Net charge-offs to loans | 0.4207% | 4,116 |
| Credit loss provision to net charge-offs | 115.0132% | 4,748 |
| Earnings coverage of net charge-offs (x) | 4.5058% | 2,927 |
| Efficiency ratio | 66.8065% | 5,224 |
| Assets per employee ($millions) | 3.2749% | 5,552 |
| Cash dividends to net income (ytd only)* | 60.3318% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2271% | 5,195 |
| Loan loss allowance to noncurrent loans | 153.1080% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 1.3004% | 4,483 |
| Noncurrent loans to loans | 0.8015% | 5,680 |
| Net loans and leases to total assets | 79.0717% | 1,163 |
| Net loans and leases to deposits | 97.7569% | 1,130 |
| Net loans and leases to core deposits | 115.7909% | 2,341 |
| Total domestic deposits to total assets | 80.8860% | 5,381 |
| Equity capital to assets | 9.1916% | 4,854 |
| Core capital (leverage) ratio | 8.9388% | 4,524 |
| Tier 1 risk-based capital ratio | 11.4680% | 5,428 |
| Total risk-based capital ratio | 12.7182% | 5,392 |
| Memoranda: | ||
| Average total assets | $802,153,000 | 856 |
| Average earning assets | $742,403,200 | 839 |
| Average equity | $72,736,000 | 896 |
| Average total loans | $630,077,600 | 742 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0509% | 1,835 |
| Cost of funding earning assets | 2.1680% | 2,563 |
| Net interest margin | 3.8829% | 3,294 |
| Noninterest income to average assets | 0.9229% | 1,893 |
| Noninterest expense to average assets | 3.0527% | 3,830 |
| Loan and lease loss provision to assets | 0.3273% | 4,371 |
| Net operating income to assets | 0.8516% | 2,608 |
| Return on assets (ROA) | 0.8516% | 2,674 |
| Pretax return on assets | 1.1420% | 2,440 |
| Return on Equity (ROE) | 9.4236% | 2,119 |
| Retained earnings to average equity (ytd only) | 3.9052% | 3,108 |
| Net charge-offs to loans | 0.2437% | 4,523 |
| Credit loss provision to net charge-offs | 171.8150% | 2,703 |
| Earnings coverage of net charge-offs (x) | 7.7129% | 2,363 |
| Efficiency ratio | 67.5085% | 5,072 |
| Assets per employee ($millions) | 3.2809% | 5,452 |
| Cash dividends to net income (ytd only)* | 58.5594% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2993% | 4,508 |
| Loan loss allowance to noncurrent loans | 118.6375% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 1.4962% | 4,128 |
| Noncurrent loans to loans | 1.0952% | 5,122 |
| Net loans and leases to total assets | 77.8711% | 1,599 |
| Net loans and leases to deposits | 96.3775% | 1,526 |
| Net loans and leases to core deposits | 111.6368% | 3,057 |
| Total domestic deposits to total assets | 80.7980% | 5,155 |
| Equity capital to assets | 9.0694% | 5,381 |
| Core capital (leverage) ratio | 8.7906% | 4,992 |
| Tier 1 risk-based capital ratio | 11.3759% | 5,563 |
| Total risk-based capital ratio | 12.6269% | 5,502 |
| Memoranda: | ||
| Average total assets | $802,106,250 | 864 |
| Average earning assets | $743,474,500 | 847 |
| Average equity | $72,483,000 | 913 |
| Average total loans | $627,020,500 | 762 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1275% | 1,698 |
| Cost of funding earning assets | 2.1901% | 2,842 |
| Net interest margin | 3.9374% | 2,937 |
| Noninterest income to average assets | 0.8792% | 2,062 |
| Noninterest expense to average assets | 3.1008% | 3,697 |
| Loan and lease loss provision to assets | 0.2542% | 4,539 |
| Net operating income to assets | 0.8427% | 2,687 |
| Return on assets (ROA) | 0.8427% | 2,786 |
| Pretax return on assets | 1.1727% | 2,379 |
| Return on Equity (ROE) | 9.3367% | 2,242 |
| Retained earnings to average equity (ytd only) | 3.7923% | 3,186 |
| Net charge-offs to loans | 0.1920% | 4,343 |
| Credit loss provision to net charge-offs | 169.8997% | 2,711 |
| Earnings coverage of net charge-offs (x) | 9.5368% | 2,113 |
| Efficiency ratio | 68.4847% | 5,073 |
| Assets per employee ($millions) | 3.3292% | 5,239 |
| Cash dividends to net income (ytd only)* | 59.3824% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2654% | 4,499 |
| Loan loss allowance to noncurrent loans | 131.3497% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 1.3550% | 4,244 |
| Noncurrent loans to loans | 0.9634% | 5,293 |
| Net loans and leases to total assets | 75.5926% | 2,290 |
| Net loans and leases to deposits | 93.2834% | 2,216 |
| Net loans and leases to core deposits | 108.5038% | 3,556 |
| Total domestic deposits to total assets | 81.0354% | 5,070 |
| Equity capital to assets | 8.9425% | 5,395 |
| Core capital (leverage) ratio | 8.6331% | 5,209 |
| Tier 1 risk-based capital ratio | 11.4099% | 5,482 |
| Total risk-based capital ratio | 12.6601% | 5,397 |
| Memoranda: | ||
| Average total assets | $799,350,000 | 880 |
| Average earning assets | $740,698,000 | 862 |
| Average equity | $72,145,330 | 930 |
| Average total loans | $622,909,000 | 789 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3762% | 1,118 |
| Cost of funding earning assets | 2.1967% | 3,182 |
| Net interest margin | 4.1795% | 1,979 |
| Noninterest income to average assets | 0.9055% | 1,825 |
| Noninterest expense to average assets | 3.0263% | 3,652 |
| Loan and lease loss provision to assets | 0.3488% | 3,229 |
| Net operating income to assets | 0.9899% | 2,353 |
| Return on assets (ROA) | 0.9899% | 2,489 |
| Pretax return on assets | 1.3933% | 1,987 |
| Return on Equity (ROE) | 10.9160% | 1,993 |
| Retained earnings to average equity (ytd only) | 5.3409% | 2,936 |
| Net charge-offs to loans | 0.5330% | 2,121 |
| Credit loss provision to net charge-offs | 83.2328% | 4,143 |
| Earnings coverage of net charge-offs (x) | 4.1568% | 2,962 |
| Efficiency ratio | 63.4648% | 5,787 |
| Assets per employee ($millions) | 3.4099% | 5,047 |
| Cash dividends to net income (ytd only)* | 51.0725% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1778% | 4,948 |
| Loan loss allowance to noncurrent loans | 127.0541% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 1.3018% | 4,075 |
| Noncurrent loans to loans | 0.9270% | 5,148 |
| Net loans and leases to total assets | 75.9376% | 2,283 |
| Net loans and leases to deposits | 94.0714% | 2,259 |
| Net loans and leases to core deposits | 109.2713% | 3,530 |
| Total domestic deposits to total assets | 80.7234% | 5,082 |
| Equity capital to assets | 8.9166% | 5,454 |
| Core capital (leverage) ratio | 8.7464% | 5,069 |
| Tier 1 risk-based capital ratio | 11.3775% | 5,525 |
| Total risk-based capital ratio | 12.5695% | 5,491 |
| Memoranda: | ||
| Average total assets | $791,196,000 | 887 |
| Average earning assets | $731,287,000 | 874 |
| Average equity | $71,748,000 | 935 |
| Average total loans | $622,124,000 | 798 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8316% | 1,579 |
| Cost of funding earning assets | 2.7362% | 2,990 |
| Net interest margin | 4.0955% | 2,732 |
| Noninterest income to average assets | 0.7121% | 3,039 |
| Noninterest expense to average assets | 2.7265% | 5,148 |
| Loan and lease loss provision to assets | 0.4493% | 3,045 |
| Net operating income to assets | 0.9399% | 2,833 |
| Return on assets (ROA) | 0.9423% | 2,687 |
| Pretax return on assets | 1.3060% | 2,290 |
| Return on Equity (ROE) | 10.4733% | 2,092 |
| Retained earnings to average equity (ytd only) | 2.2181% | 3,833 |
| Net charge-offs to loans | 0.3929% | 2,852 |
| Credit loss provision to net charge-offs | 143.0687% | 3,698 |
| Earnings coverage of net charge-offs (x) | 5.5788% | 3,599 |
| Efficiency ratio | 60.8815% | 6,186 |
| Assets per employee ($millions) | 3.2253% | 5,411 |
| Cash dividends to net income (ytd only)* | 78.8211% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2059% | 4,482 |
| Loan loss allowance to noncurrent loans | 149.1134% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 1.2599% | 3,705 |
| Noncurrent loans to loans | 0.8087% | 5,021 |
| Net loans and leases to total assets | 79.5425% | 1,764 |
| Net loans and leases to deposits | 103.3196% | 1,426 |
| Net loans and leases to core deposits | 121.6355% | 2,543 |
| Total domestic deposits to total assets | 76.9869% | 5,996 |
| Equity capital to assets | 9.2280% | 5,036 |
| Core capital (leverage) ratio | 9.1131% | 4,574 |
| Tier 1 risk-based capital ratio | 11.4892% | 5,246 |
| Total risk-based capital ratio | 12.7325% | 5,150 |
| Memoranda: | ||
| Average total assets | $774,147,200 | 879 |
| Average earning assets | $711,911,400 | 856 |
| Average equity | $69,653,000 | 959 |
| Average total loans | $618,717,400 | 774 |