Home > The Poca Valley Bank, Inc. > Performance and Condition Ratios
The Poca Valley Bank, Inc., Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5592% | 1,963 |
| Cost of funding earning assets | 1.9175% | 2,158 |
| Net interest margin | 3.6417% | 1,985 |
| Noninterest income to average assets | 0.7100% | 1,015 |
| Noninterest expense to average assets | 3.3835% | 688 |
| Loan and lease loss provision to assets | 0.3000% | 367 |
| Net operating income to assets | 0.3578% | 3,791 |
| Return on assets (ROA) | 0.3646% | 3,803 |
| Pretax return on assets | 0.4531% | 3,781 |
| Return on Equity (ROE) | 5.7600% | 3,387 |
| Retained earnings to average equity (ytd only) | 5.7590% | 2,347 |
| Net charge-offs to loans | 0.0589% | 1,093 |
| Credit loss provision to net charge-offs | 688.2353% | 434 |
| Earnings coverage of net charge-offs (x) | 16.9265% | 1,495 |
| Efficiency ratio | 81.8210% | 824 |
| Assets per employee ($millions) | 4.9800% | 3,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7855% | 3,896 |
| Loan loss allowance to noncurrent loans | 177.4462% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 0.3724% | 1,849 |
| Noncurrent loans to loans | 0.4427% | 2,016 |
| Net loans and leases to total assets | 74.7900% | 1,239 |
| Net loans and leases to deposits | 81.1025% | 1,961 |
| Net loans and leases to core deposits | 89.1990% | 2,101 |
| Total domestic deposits to total assets | 92.2100% | 241 |
| Equity capital to assets | 6.4206% | 4,174 |
| Core capital (leverage) ratio | 7.3656% | 4,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1395% | 2,470 |
| Memoranda: | ||
| Average total assets | $614,399,000 | 1,524 |
| Average earning assets | $576,990,500 | 1,512 |
| Average equity | $38,895,500 | 2,072 |
| Average total loans | $461,775,500 | 1,395 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4724% | 2,193 |
| Cost of funding earning assets | 1.9235% | 2,401 |
| Net interest margin | 3.5488% | 1,978 |
| Noninterest income to average assets | 0.7800% | 955 |
| Noninterest expense to average assets | 3.2972% | 767 |
| Loan and lease loss provision to assets | 0.0900% | 1,528 |
| Net operating income to assets | 0.5589% | 3,334 |
| Return on assets (ROA) | 0.5589% | 3,351 |
| Pretax return on assets | 0.7224% | 3,208 |
| Return on Equity (ROE) | 8.5400% | 2,587 |
| Retained earnings to average equity (ytd only) | 4.9920% | 2,242 |
| Net charge-offs to loans | 0.1508% | 874 |
| Credit loss provision to net charge-offs | 76.2611% | 2,155 |
| Earnings coverage of net charge-offs (x) | 6.9955% | 2,461 |
| Efficiency ratio | 80.2209% | 1,030 |
| Assets per employee ($millions) | 5.0102% | 3,627 |
| Cash dividends to net income (ytd only)* | 41.5129% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6988% | 4,062 |
| Loan loss allowance to noncurrent loans | 169.1300% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 0.3427% | 1,889 |
| Noncurrent loans to loans | 0.4132% | 2,043 |
| Net loans and leases to total assets | 74.4200% | 1,350 |
| Net loans and leases to deposits | 80.3757% | 2,102 |
| Net loans and leases to core deposits | 88.9434% | 2,187 |
| Total domestic deposits to total assets | 92.5800% | 207 |
| Equity capital to assets | 6.2413% | 4,151 |
| Core capital (leverage) ratio | 7.3535% | 4,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8630% | 2,564 |
| Memoranda: | ||
| Average total assets | $581,824,000 | 1,571 |
| Average earning assets | $546,180,400 | 1,553 |
| Average equity | $38,100,600 | 2,048 |
| Average total loans | $446,958,400 | 1,415 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3927% | 2,279 |
| Cost of funding earning assets | 1.8758% | 2,529 |
| Net interest margin | 3.5169% | 1,981 |
| Noninterest income to average assets | 0.8200% | 844 |
| Noninterest expense to average assets | 3.3055% | 730 |
| Loan and lease loss provision to assets | 0.1100% | 1,157 |
| Net operating income to assets | 0.5522% | 3,347 |
| Return on assets (ROA) | 0.5522% | 3,367 |
| Pretax return on assets | 0.7055% | 3,254 |
| Return on Equity (ROE) | 8.3300% | 2,665 |
| Retained earnings to average equity (ytd only) | 7.8012% | 1,452 |
| Net charge-offs to loans | 0.0923% | 1,034 |
| Credit loss provision to net charge-offs | 152.7687% | 1,273 |
| Earnings coverage of net charge-offs (x) | 11.3941% | 2,071 |
| Efficiency ratio | 80.1965% | 1,064 |
| Assets per employee ($millions) | 4.7162% | 3,823 |
| Cash dividends to net income (ytd only)* | 6.3184% | 2,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7754% | 3,957 |
| Loan loss allowance to noncurrent loans | 244.2533% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 0.3266% | 1,916 |
| Noncurrent loans to loans | 0.3175% | 2,330 |
| Net loans and leases to total assets | 75.8200% | 1,148 |
| Net loans and leases to deposits | 82.5393% | 1,928 |
| Net loans and leases to core deposits | 91.4965% | 2,042 |
| Total domestic deposits to total assets | 91.8600% | 200 |
| Equity capital to assets | 6.7312% | 4,189 |
| Core capital (leverage) ratio | 7.7062% | 4,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6017% | 2,379 |
| Memoranda: | ||
| Average total assets | $573,216,500 | 1,585 |
| Average earning assets | $538,001,750 | 1,574 |
| Average equity | $38,010,250 | 2,058 |
| Average total loans | $443,244,500 | 1,418 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3613% | 2,228 |
| Cost of funding earning assets | 1.8090% | 2,596 |
| Net interest margin | 3.5523% | 1,868 |
| Noninterest income to average assets | 0.8100% | 850 |
| Noninterest expense to average assets | 3.3636% | 672 |
| Loan and lease loss provision to assets | 0.1600% | 715 |
| Net operating income to assets | 0.4931% | 3,444 |
| Return on assets (ROA) | 0.4931% | 3,479 |
| Pretax return on assets | 0.6231% | 3,402 |
| Return on Equity (ROE) | 7.4800% | 2,882 |
| Retained earnings to average equity (ytd only) | 7.4756% | 1,514 |
| Net charge-offs to loans | 0.0908% | 917 |
| Credit loss provision to net charge-offs | 225.1256% | 948 |
| Earnings coverage of net charge-offs (x) | 11.0804% | 1,944 |
| Efficiency ratio | 81.1042% | 1,039 |
| Assets per employee ($millions) | 4.7189% | 3,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8113% | 3,908 |
| Loan loss allowance to noncurrent loans | 244.1907% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 0.3592% | 1,728 |
| Noncurrent loans to loans | 0.3322% | 2,197 |
| Net loans and leases to total assets | 77.2200% | 1,009 |
| Net loans and leases to deposits | 83.7837% | 1,854 |
| Net loans and leases to core deposits | 92.3465% | 1,978 |
| Total domestic deposits to total assets | 92.1700% | 246 |
| Equity capital to assets | 6.5843% | 4,077 |
| Core capital (leverage) ratio | 7.7545% | 4,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2072% | 2,514 |
| Memoranda: | ||
| Average total assets | $564,637,333 | 1,606 |
| Average earning assets | $529,686,667 | 1,588 |
| Average equity | $37,241,333 | 2,052 |
| Average total loans | $438,433,667 | 1,435 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2850% | 2,222 |
| Cost of funding earning assets | 1.7220% | 2,710 |
| Net interest margin | 3.5630% | 1,784 |
| Noninterest income to average assets | 0.8200% | 788 |
| Noninterest expense to average assets | 3.5414% | 534 |
| Loan and lease loss provision to assets | 0.2900% | 317 |
| Net operating income to assets | 0.2797% | 3,855 |
| Return on assets (ROA) | 0.2797% | 3,891 |
| Pretax return on assets | 0.3327% | 3,869 |
| Return on Equity (ROE) | 4.2400% | 3,621 |
| Retained earnings to average equity (ytd only) | 4.2374% | 2,641 |
| Net charge-offs to loans | 0.1024% | 712 |
| Credit loss provision to net charge-offs | 360.3604% | 604 |
| Earnings coverage of net charge-offs (x) | 7.7838% | 1,748 |
| Efficiency ratio | 85.0877% | 832 |
| Assets per employee ($millions) | 4.5834% | 3,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8376% | 3,867 |
| Loan loss allowance to noncurrent loans | 247.4747% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 0.3876% | 1,579 |
| Noncurrent loans to loans | 0.3385% | 2,114 |
| Net loans and leases to total assets | 76.5500% | 1,005 |
| Net loans and leases to deposits | 84.6430% | 1,662 |
| Net loans and leases to core deposits | 93.0001% | 1,837 |
| Total domestic deposits to total assets | 90.4400% | 659 |
| Equity capital to assets | 6.5000% | 4,080 |
| Core capital (leverage) ratio | 7.7821% | 4,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0621% | 2,567 |
| Memoranda: | ||
| Average total assets | $559,104,000 | 1,624 |
| Average earning assets | $523,822,000 | 1,612 |
| Average equity | $36,909,000 | 2,063 |
| Average total loans | $433,554,000 | 1,443 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8964% | 2,284 |
| Cost of funding earning assets | 1.1488% | 2,941 |
| Net interest margin | 3.7475% | 1,655 |
| Noninterest income to average assets | 0.8600% | 824 |
| Noninterest expense to average assets | 3.5448% | 549 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 0.5247% | 3,615 |
| Return on assets (ROA) | 0.4477% | 3,775 |
| Pretax return on assets | 0.5476% | 3,729 |
| Return on Equity (ROE) | 6.7500% | 3,348 |
| Retained earnings to average equity (ytd only) | 6.3217% | 2,127 |
| Net charge-offs to loans | 0.1540% | 675 |
| Credit loss provision to net charge-offs | 145.7006% | 1,497 |
| Earnings coverage of net charge-offs (x) | 6.7946% | 2,446 |
| Efficiency ratio | 81.3429% | 823 |
| Assets per employee ($millions) | 4.5444% | 3,925 |
| Cash dividends to net income (ytd only)* | 6.3613% | 3,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7907% | 3,986 |
| Loan loss allowance to noncurrent loans | 210.8966% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 0.4108% | 1,352 |
| Noncurrent loans to loans | 0.3749% | 1,867 |
| Net loans and leases to total assets | 77.2800% | 938 |
| Net loans and leases to deposits | 85.6611% | 1,638 |
| Net loans and leases to core deposits | 93.8402% | 1,784 |
| Total domestic deposits to total assets | 90.2200% | 705 |
| Equity capital to assets | 6.7063% | 4,048 |
| Core capital (leverage) ratio | 7.8922% | 4,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1803% | 2,531 |
| Memoranda: | ||
| Average total assets | $526,635,800 | 1,670 |
| Average earning assets | $491,548,400 | 1,661 |
| Average equity | $34,927,400 | 2,053 |
| Average total loans | $407,759,600 | 1,452 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8068% | 2,242 |
| Cost of funding earning assets | 1.0059% | 3,016 |
| Net interest margin | 3.8009% | 1,596 |
| Noninterest income to average assets | 0.8900% | 781 |
| Noninterest expense to average assets | 3.5151% | 544 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.6472% | 3,433 |
| Return on assets (ROA) | 0.6472% | 3,429 |
| Pretax return on assets | 0.8305% | 3,266 |
| Return on Equity (ROE) | 9.7900% | 2,701 |
| Retained earnings to average equity (ytd only) | 9.3996% | 1,574 |
| Net charge-offs to loans | 0.0940% | 822 |
| Credit loss provision to net charge-offs | 133.0986% | 1,400 |
| Earnings coverage of net charge-offs (x) | 12.6831% | 2,058 |
| Efficiency ratio | 79.1669% | 912 |
| Assets per employee ($millions) | 4.4791% | 3,951 |
| Cash dividends to net income (ytd only)* | 3.9557% | 2,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7544% | 4,060 |
| Loan loss allowance to noncurrent loans | 165.5780% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 0.4514% | 1,291 |
| Noncurrent loans to loans | 0.4556% | 1,685 |
| Net loans and leases to total assets | 78.8400% | 774 |
| Net loans and leases to deposits | 87.1209% | 1,464 |
| Net loans and leases to core deposits | 94.6268% | 1,639 |
| Total domestic deposits to total assets | 90.4900% | 813 |
| Equity capital to assets | 6.3364% | 3,882 |
| Core capital (leverage) ratio | 8.0841% | 4,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1498% | 2,570 |
| Memoranda: | ||
| Average total assets | $520,826,750 | 1,684 |
| Average earning assets | $486,188,000 | 1,674 |
| Average equity | $34,440,250 | 2,065 |
| Average total loans | $402,613,250 | 1,463 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6857% | 2,241 |
| Cost of funding earning assets | 0.8404% | 3,098 |
| Net interest margin | 3.8453% | 1,533 |
| Noninterest income to average assets | 0.9000% | 691 |
| Noninterest expense to average assets | 3.3872% | 611 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 0.7868% | 3,116 |
| Return on assets (ROA) | 0.7868% | 3,129 |
| Pretax return on assets | 0.9939% | 2,931 |
| Return on Equity (ROE) | 11.7300% | 2,240 |
| Retained earnings to average equity (ytd only) | 11.1533% | 1,157 |
| Net charge-offs to loans | 0.0910% | 717 |
| Credit loss provision to net charge-offs | 166.6667% | 1,136 |
| Earnings coverage of net charge-offs (x) | 15.8167% | 1,843 |
| Efficiency ratio | 75.4031% | 1,226 |
| Assets per employee ($millions) | 4.4581% | 3,974 |
| Cash dividends to net income (ytd only)* | 4.9188% | 2,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7885% | 4,050 |
| Loan loss allowance to noncurrent loans | 167.3597% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 0.4237% | 1,262 |
| Noncurrent loans to loans | 0.4711% | 1,534 |
| Net loans and leases to total assets | 76.3700% | 1,013 |
| Net loans and leases to deposits | 84.7435% | 1,606 |
| Net loans and leases to core deposits | 91.7865% | 1,697 |
| Total domestic deposits to total assets | 90.1200% | 894 |
| Equity capital to assets | 6.6555% | 3,924 |
| Core capital (leverage) ratio | 8.2399% | 4,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4543% | 2,478 |
| Memoranda: | ||
| Average total assets | $516,764,333 | 1,691 |
| Average earning assets | $481,939,333 | 1,684 |
| Average equity | $34,662,333 | 2,069 |
| Average total loans | $395,682,333 | 1,463 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5784% | 2,134 |
| Cost of funding earning assets | 0.6762% | 3,134 |
| Net interest margin | 3.9022% | 1,481 |
| Noninterest income to average assets | 0.9000% | 683 |
| Noninterest expense to average assets | 3.3799% | 617 |
| Loan and lease loss provision to assets | 0.2000% | 511 |
| Net operating income to assets | 0.7467% | 3,352 |
| Return on assets (ROA) | 0.7467% | 3,307 |
| Pretax return on assets | 0.9585% | 3,103 |
| Return on Equity (ROE) | 11.0700% | 2,470 |
| Retained earnings to average equity (ytd only) | 11.0712% | 1,456 |
| Net charge-offs to loans | 0.0688% | 726 |
| Credit loss provision to net charge-offs | 373.1343% | 632 |
| Earnings coverage of net charge-offs (x) | 21.9701% | 1,430 |
| Efficiency ratio | 74.4854% | 1,285 |
| Assets per employee ($millions) | 4.5604% | 3,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7964% | 4,092 |
| Loan loss allowance to noncurrent loans | 192.3219% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 0.3886% | 1,334 |
| Noncurrent loans to loans | 0.4141% | 1,689 |
| Net loans and leases to total assets | 74.3600% | 1,155 |
| Net loans and leases to deposits | 81.8991% | 1,659 |
| Net loans and leases to core deposits | 88.0081% | 1,742 |
| Total domestic deposits to total assets | 90.8000% | 864 |
| Equity capital to assets | 6.7526% | 3,937 |
| Core capital (leverage) ratio | 8.1870% | 4,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5976% | 2,538 |
| Memoranda: | ||
| Average total assets | $509,948,500 | 1,721 |
| Average earning assets | $475,016,000 | 1,713 |
| Average equity | $34,395,500 | 2,100 |
| Average total loans | $389,327,000 | 1,504 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0475% | 1,597 |
| Cost of funding earning assets | 0.2331% | 3,482 |
| Net interest margin | 3.8144% | 1,133 |
| Noninterest income to average assets | 0.8200% | 957 |
| Noninterest expense to average assets | 3.3441% | 588 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.8190% | 3,260 |
| Return on assets (ROA) | 0.8141% | 3,209 |
| Pretax return on assets | 1.0262% | 2,999 |
| Return on Equity (ROE) | 11.4900% | 2,308 |
| Retained earnings to average equity (ytd only) | 8.9976% | 1,482 |
| Net charge-offs to loans | 0.0386% | 1,322 |
| Credit loss provision to net charge-offs | 107.9137% | 1,516 |
| Earnings coverage of net charge-offs (x) | 37.2230% | 1,549 |
| Efficiency ratio | 75.8206% | 1,031 |
| Assets per employee ($millions) | 4.3845% | 4,092 |
| Cash dividends to net income (ytd only)* | 21.7062% | 2,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7647% | 4,106 |
| Loan loss allowance to noncurrent loans | 165.1541% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 0.4354% | 1,180 |
| Noncurrent loans to loans | 0.4630% | 1,549 |
| Net loans and leases to total assets | 77.2200% | 872 |
| Net loans and leases to deposits | 84.5224% | 1,420 |
| Net loans and leases to core deposits | 89.2205% | 1,542 |
| Total domestic deposits to total assets | 91.3600% | 823 |
| Equity capital to assets | 6.7367% | 3,797 |
| Core capital (leverage) ratio | 8.2528% | 4,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4354% | 2,594 |
| Memoranda: | ||
| Average total assets | $486,651,200 | 1,752 |
| Average earning assets | $457,296,200 | 1,737 |
| Average equity | $34,475,800 | 2,132 |
| Average total loans | $359,726,400 | 1,515 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8857% | 1,517 |
| Cost of funding earning assets | 0.1872% | 3,431 |
| Net interest margin | 3.6985% | 1,140 |
| Noninterest income to average assets | 0.8400% | 949 |
| Noninterest expense to average assets | 3.3205% | 581 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7802% | 3,325 |
| Return on assets (ROA) | 0.7802% | 3,277 |
| Pretax return on assets | 0.9996% | 3,013 |
| Return on Equity (ROE) | 10.8800% | 2,427 |
| Retained earnings to average equity (ytd only) | 9.9181% | 1,366 |
| Net charge-offs to loans | 0.0438% | 1,052 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 31.3103% | 1,504 |
| Efficiency ratio | 76.8045% | 1,013 |
| Assets per employee ($millions) | 4.3755% | 4,134 |
| Cash dividends to net income (ytd only)* | 8.8183% | 2,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7581% | 4,164 |
| Loan loss allowance to noncurrent loans | 73.8675% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 0.8501% | 579 |
| Noncurrent loans to loans | 1.0263% | 741 |
| Net loans and leases to total assets | 76.0400% | 909 |
| Net loans and leases to deposits | 82.3850% | 1,415 |
| Net loans and leases to core deposits | 85.8444% | 1,531 |
| Total domestic deposits to total assets | 92.2900% | 783 |
| Equity capital to assets | 6.4355% | 3,774 |
| Core capital (leverage) ratio | 7.4852% | 4,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4290% | 2,963 |
| Memoranda: | ||
| Average total assets | $484,452,000 | 1,771 |
| Average earning assets | $456,427,500 | 1,750 |
| Average equity | $34,750,500 | 2,150 |
| Average total loans | $353,275,250 | 1,522 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7582% | 1,403 |
| Cost of funding earning assets | 0.1832% | 3,140 |
| Net interest margin | 3.5750% | 1,119 |
| Noninterest income to average assets | 0.8421% | 963 |
| Noninterest expense to average assets | 3.2439% | 590 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7590% | 3,114 |
| Return on assets (ROA) | 0.7590% | 3,070 |
| Pretax return on assets | 0.9693% | 2,832 |
| Return on Equity (ROE) | 10.2296% | 2,254 |
| Retained earnings to average equity (ytd only) | 8.8375% | 1,338 |
| Net charge-offs to loans | 0.0490% | 905 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 27.6000% | 1,426 |
| Efficiency ratio | 76.9344% | 1,180 |
| Assets per employee ($millions) | 4.3533% | 4,173 |
| Cash dividends to net income (ytd only)* | 13.6091% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8070% | 4,161 |
| Loan loss allowance to noncurrent loans | 173.0583% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 0.4268% | 1,329 |
| Noncurrent loans to loans | 0.4663% | 1,713 |
| Net loans and leases to total assets | 73.2063% | 982 |
| Net loans and leases to deposits | 81.2544% | 1,295 |
| Net loans and leases to core deposits | 83.0072% | 1,521 |
| Total domestic deposits to total assets | 90.0951% | 1,672 |
| Equity capital to assets | 6.9470% | 3,797 |
| Core capital (leverage) ratio | 7.7325% | 4,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9903% | 2,820 |
| Memoranda: | ||
| Average total assets | $484,041,333 | 1,781 |
| Average earning assets | $456,446,667 | 1,760 |
| Average equity | $35,915,333 | 2,159 |
| Average total loans | $346,993,333 | 1,541 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6380% | 1,404 |
| Cost of funding earning assets | 0.1844% | 3,023 |
| Net interest margin | 3.4537% | 1,178 |
| Noninterest income to average assets | 0.8401% | 951 |
| Noninterest expense to average assets | 3.1235% | 672 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7710% | 2,770 |
| Return on assets (ROA) | 0.7710% | 2,762 |
| Pretax return on assets | 0.9806% | 2,499 |
| Return on Equity (ROE) | 10.0753% | 1,939 |
| Retained earnings to average equity (ytd only) | 10.0753% | 998 |
| Net charge-offs to loans | 0.0361% | 938 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 38.4839% | 1,023 |
| Efficiency ratio | 76.0465% | 1,514 |
| Assets per employee ($millions) | 4.4159% | 4,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8421% | 4,166 |
| Loan loss allowance to noncurrent loans | 203.9298% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 0.3452% | 1,727 |
| Noncurrent loans to loans | 0.4129% | 2,014 |
| Net loans and leases to total assets | 70.4473% | 978 |
| Net loans and leases to deposits | 78.3771% | 1,256 |
| Net loans and leases to core deposits | 80.1874% | 1,464 |
| Total domestic deposits to total assets | 89.8825% | 1,636 |
| Equity capital to assets | 7.2271% | 4,089 |
| Core capital (leverage) ratio | 7.7842% | 4,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6391% | 2,735 |
| Memoranda: | ||
| Average total assets | $486,629,000 | 1,778 |
| Average earning assets | $459,919,000 | 1,757 |
| Average equity | $37,239,500 | 2,163 |
| Average total loans | $343,784,000 | 1,540 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8284% | 1,798 |
| Cost of funding earning assets | 0.2450% | 2,996 |
| Net interest margin | 3.5835% | 1,515 |
| Noninterest income to average assets | 0.9158% | 1,163 |
| Noninterest expense to average assets | 3.2886% | 642 |
| Loan and lease loss provision to assets | 0.0215% | 2,641 |
| Net operating income to assets | 0.7841% | 3,383 |
| Return on assets (ROA) | 0.7841% | 3,450 |
| Pretax return on assets | 0.9895% | 3,290 |
| Return on Equity (ROE) | 9.5568% | 2,700 |
| Retained earnings to average equity (ytd only) | 7.4628% | 1,739 |
| Net charge-offs to loans | 0.0494% | 1,324 |
| Credit loss provision to net charge-offs | 61.3497% | 2,061 |
| Earnings coverage of net charge-offs (x) | 28.8773% | 1,631 |
| Efficiency ratio | 76.4274% | 1,068 |
| Assets per employee ($millions) | 4.6429% | 4,006 |
| Cash dividends to net income (ytd only)* | 21.9118% | 2,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8576% | 4,162 |
| Loan loss allowance to noncurrent loans | 266.5154% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 0.2765% | 2,163 |
| Noncurrent loans to loans | 0.3218% | 2,438 |
| Net loans and leases to total assets | 69.6455% | 1,083 |
| Net loans and leases to deposits | 78.0649% | 1,394 |
| Net loans and leases to core deposits | 80.1716% | 1,579 |
| Total domestic deposits to total assets | 89.2149% | 1,406 |
| Equity capital to assets | 8.0764% | 4,321 |
| Core capital (leverage) ratio | 7.6783% | 4,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8143% | 2,698 |
| Memoranda: | ||
| Average total assets | $465,603,400 | 1,791 |
| Average earning assets | $439,659,800 | 1,765 |
| Average equity | $38,203,000 | 2,150 |
| Average total loans | $329,818,000 | 1,592 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8722% | 1,847 |
| Cost of funding earning assets | 0.2623% | 2,993 |
| Net interest margin | 3.6099% | 1,577 |
| Noninterest income to average assets | 0.9119% | 1,230 |
| Noninterest expense to average assets | 3.3210% | 586 |
| Loan and lease loss provision to assets | 0.0289% | 2,417 |
| Net operating income to assets | 0.7514% | 3,651 |
| Return on assets (ROA) | 0.7514% | 3,712 |
| Pretax return on assets | 0.9675% | 3,546 |
| Return on Equity (ROE) | 9.1195% | 3,075 |
| Retained earnings to average equity (ytd only) | 7.0093% | 2,416 |
| Net charge-offs to loans | 0.0433% | 1,241 |
| Credit loss provision to net charge-offs | 94.3396% | 1,635 |
| Earnings coverage of net charge-offs (x) | 32.4434% | 1,485 |
| Efficiency ratio | 76.8591% | 971 |
| Assets per employee ($millions) | 4.5110% | 4,116 |
| Cash dividends to net income (ytd only)* | 23.1392% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8889% | 4,177 |
| Loan loss allowance to noncurrent loans | 200.8048% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 0.3798% | 1,923 |
| Noncurrent loans to loans | 0.4426% | 2,236 |
| Net loans and leases to total assets | 70.4821% | 1,037 |
| Net loans and leases to deposits | 79.2074% | 1,359 |
| Net loans and leases to core deposits | 81.5158% | 1,608 |
| Total domestic deposits to total assets | 88.9842% | 1,284 |
| Equity capital to assets | 8.0993% | 4,469 |
| Core capital (leverage) ratio | 7.6973% | 4,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7834% | 2,782 |
| Memoranda: | ||
| Average total assets | $460,127,750 | 1,825 |
| Average earning assets | $434,089,500 | 1,812 |
| Average equity | $37,910,500 | 2,186 |
| Average total loans | $326,656,750 | 1,628 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9026% | 1,809 |
| Cost of funding earning assets | 0.2921% | 2,854 |
| Net interest margin | 3.6105% | 1,570 |
| Noninterest income to average assets | 0.8968% | 1,283 |
| Noninterest expense to average assets | 3.3796% | 551 |
| Loan and lease loss provision to assets | 0.0439% | 2,137 |
| Net operating income to assets | 0.7199% | 3,714 |
| Return on assets (ROA) | 0.7199% | 3,777 |
| Pretax return on assets | 0.8757% | 3,716 |
| Return on Equity (ROE) | 8.6865% | 3,195 |
| Retained earnings to average equity (ytd only) | 8.6865% | 1,822 |
| Net charge-offs to loans | 0.0705% | 927 |
| Credit loss provision to net charge-offs | 87.7193% | 1,447 |
| Earnings coverage of net charge-offs (x) | 18.3772% | 1,566 |
| Efficiency ratio | 78.5481% | 884 |
| Assets per employee ($millions) | 4.3707% | 4,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9248% | 4,078 |
| Loan loss allowance to noncurrent loans | 182.0732% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 0.4474% | 1,842 |
| Noncurrent loans to loans | 0.5079% | 2,155 |
| Net loans and leases to total assets | 69.7034% | 1,236 |
| Net loans and leases to deposits | 78.6609% | 1,561 |
| Net loans and leases to core deposits | 81.0966% | 1,788 |
| Total domestic deposits to total assets | 88.6126% | 1,495 |
| Equity capital to assets | 8.4100% | 4,273 |
| Core capital (leverage) ratio | 7.6833% | 4,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3258% | 2,601 |
| Memoranda: | ||
| Average total assets | $455,617,667 | 1,831 |
| Average earning assets | $429,357,333 | 1,819 |
| Average equity | $37,759,667 | 2,187 |
| Average total loans | $323,263,000 | 1,647 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9564% | 1,689 |
| Cost of funding earning assets | 0.3284% | 2,722 |
| Net interest margin | 3.6280% | 1,509 |
| Noninterest income to average assets | 0.8802% | 1,381 |
| Noninterest expense to average assets | 3.2936% | 612 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7692% | 3,517 |
| Return on assets (ROA) | 0.7692% | 3,587 |
| Pretax return on assets | 0.9939% | 3,386 |
| Return on Equity (ROE) | 9.3514% | 2,907 |
| Retained earnings to average equity (ytd only) | 9.3514% | 1,841 |
| Net charge-offs to loans | 0.1241% | 582 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 11.2800% | 1,462 |
| Efficiency ratio | 76.7571% | 1,060 |
| Assets per employee ($millions) | 4.3763% | 4,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8925% | 4,174 |
| Loan loss allowance to noncurrent loans | 183.6605% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 0.4516% | 2,037 |
| Noncurrent loans to loans | 0.4860% | 2,397 |
| Net loans and leases to total assets | 70.0801% | 1,275 |
| Net loans and leases to deposits | 79.0932% | 1,604 |
| Net loans and leases to core deposits | 81.9970% | 1,839 |
| Total domestic deposits to total assets | 88.6044% | 1,559 |
| Equity capital to assets | 8.1511% | 4,398 |
| Core capital (leverage) ratio | 7.7764% | 4,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4317% | 2,518 |
| Memoranda: | ||
| Average total assets | $453,966,500 | 1,831 |
| Average earning assets | $426,349,000 | 1,814 |
| Average equity | $37,342,000 | 2,188 |
| Average total loans | $322,411,000 | 1,654 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3102% | 1,842 |
| Cost of funding earning assets | 0.4933% | 2,987 |
| Net interest margin | 3.8169% | 1,455 |
| Noninterest income to average assets | 0.9974% | 1,042 |
| Noninterest expense to average assets | 3.6259% | 581 |
| Loan and lease loss provision to assets | 0.1568% | 2,411 |
| Net operating income to assets | 0.6212% | 3,676 |
| Return on assets (ROA) | 0.6212% | 3,800 |
| Pretax return on assets | 0.7744% | 3,693 |
| Return on Equity (ROE) | 7.0343% | 3,196 |
| Retained earnings to average equity (ytd only) | 1.6691% | 3,965 |
| Net charge-offs to loans | 0.1554% | 1,053 |
| Credit loss provision to net charge-offs | 136.5546% | 2,509 |
| Earnings coverage of net charge-offs (x) | 8.1092% | 2,630 |
| Efficiency ratio | 79.4854% | 926 |
| Assets per employee ($millions) | 4.3118% | 4,103 |
| Cash dividends to net income (ytd only)* | 76.2718% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9378% | 4,081 |
| Loan loss allowance to noncurrent loans | 116.7770% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 0.7076% | 1,472 |
| Noncurrent loans to loans | 0.8031% | 1,741 |
| Net loans and leases to total assets | 70.6692% | 1,474 |
| Net loans and leases to deposits | 79.6830% | 1,900 |
| Net loans and leases to core deposits | 82.6559% | 2,145 |
| Total domestic deposits to total assets | 88.6879% | 1,127 |
| Equity capital to assets | 8.3022% | 4,575 |
| Core capital (leverage) ratio | 8.4018% | 4,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8720% | 2,683 |
| Memoranda: | ||
| Average total assets | $414,491,400 | 1,811 |
| Average earning assets | $386,570,800 | 1,807 |
| Average equity | $36,606,400 | 2,149 |
| Average total loans | $306,317,400 | 1,659 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3420% | 1,988 |
| Cost of funding earning assets | 0.5283% | 3,060 |
| Net interest margin | 3.8136% | 1,581 |
| Noninterest income to average assets | 0.9825% | 1,052 |
| Noninterest expense to average assets | 3.7095% | 520 |
| Loan and lease loss provision to assets | 0.2135% | 1,885 |
| Net operating income to assets | 0.4814% | 4,081 |
| Return on assets (ROA) | 0.4814% | 4,156 |
| Pretax return on assets | 0.6105% | 4,087 |
| Return on Equity (ROE) | 5.3624% | 3,769 |
| Retained earnings to average equity (ytd only) | 3.2993% | 3,394 |
| Net charge-offs to loans | 0.1070% | 1,264 |
| Credit loss provision to net charge-offs | 267.4897% | 1,864 |
| Earnings coverage of net charge-offs (x) | 10.3251% | 2,363 |
| Efficiency ratio | 81.7457% | 741 |
| Assets per employee ($millions) | 4.2553% | 4,089 |
| Cash dividends to net income (ytd only)* | 38.4720% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0077% | 3,676 |
| Loan loss allowance to noncurrent loans | 194.6418% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 0.4862% | 2,249 |
| Noncurrent loans to loans | 0.5177% | 2,501 |
| Net loans and leases to total assets | 72.4587% | 1,599 |
| Net loans and leases to deposits | 82.4171% | 2,060 |
| Net loans and leases to core deposits | 85.9321% | 2,306 |
| Total domestic deposits to total assets | 87.9170% | 1,254 |
| Equity capital to assets | 8.5196% | 4,451 |
| Core capital (leverage) ratio | 7.9973% | 4,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1537% | 2,560 |
| Memoranda: | ||
| Average total assets | $406,008,500 | 1,821 |
| Average earning assets | $378,036,250 | 1,819 |
| Average equity | $36,450,750 | 2,146 |
| Average total loans | $302,922,500 | 1,668 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4155% | 2,170 |
| Cost of funding earning assets | 0.5707% | 3,124 |
| Net interest margin | 3.8448% | 1,702 |
| Noninterest income to average assets | 0.9953% | 996 |
| Noninterest expense to average assets | 3.8113% | 494 |
| Loan and lease loss provision to assets | 0.3289% | 1,298 |
| Net operating income to assets | 0.3522% | 4,329 |
| Return on assets (ROA) | 0.3522% | 4,380 |
| Pretax return on assets | 0.4347% | 4,364 |
| Return on Equity (ROE) | 3.8502% | 4,148 |
| Retained earnings to average equity (ytd only) | 0.7302% | 4,155 |
| Net charge-offs to loans | 0.1206% | 1,122 |
| Credit loss provision to net charge-offs | 363.1285% | 1,481 |
| Earnings coverage of net charge-offs (x) | 8.4302% | 2,287 |
| Efficiency ratio | 83.2209% | 686 |
| Assets per employee ($millions) | 4.1278% | 4,179 |
| Cash dividends to net income (ytd only)* | 81.0345% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0573% | 3,289 |
| Loan loss allowance to noncurrent loans | 201.4050% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.5160% | 2,287 |
| Noncurrent loans to loans | 0.5250% | 2,588 |
| Net loans and leases to total assets | 72.5652% | 1,610 |
| Net loans and leases to deposits | 82.4271% | 2,160 |
| Net loans and leases to core deposits | 85.6530% | 2,468 |
| Total domestic deposits to total assets | 88.0357% | 1,158 |
| Equity capital to assets | 8.6080% | 4,418 |
| Core capital (leverage) ratio | 8.0721% | 4,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4912% | 2,408 |
| Memoranda: | ||
| Average total assets | $395,246,667 | 1,829 |
| Average earning assets | $367,977,667 | 1,826 |
| Average equity | $36,154,000 | 2,148 |
| Average total loans | $296,958,333 | 1,678 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6896% | 1,742 |
| Cost of funding earning assets | 0.6405% | 3,222 |
| Net interest margin | 4.0491% | 1,255 |
| Noninterest income to average assets | 1.0413% | 783 |
| Noninterest expense to average assets | 3.9707% | 523 |
| Loan and lease loss provision to assets | 0.5259% | 556 |
| Net operating income to assets | 0.2524% | 4,444 |
| Return on assets (ROA) | 0.2524% | 4,466 |
| Pretax return on assets | 0.3019% | 4,452 |
| Return on Equity (ROE) | 2.6717% | 4,295 |
| Retained earnings to average equity (ytd only) | 2.6717% | 3,202 |
| Net charge-offs to loans | 0.0967% | 1,107 |
| Credit loss provision to net charge-offs | 714.2857% | 712 |
| Earnings coverage of net charge-offs (x) | 11.2429% | 1,736 |
| Efficiency ratio | 82.6611% | 923 |
| Assets per employee ($millions) | 3.7226% | 4,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1223% | 3,078 |
| Loan loss allowance to noncurrent loans | 224.3280% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 0.5902% | 2,231 |
| Noncurrent loans to loans | 0.5003% | 2,767 |
| Net loans and leases to total assets | 74.7943% | 1,487 |
| Net loans and leases to deposits | 85.8259% | 2,025 |
| Net loans and leases to core deposits | 89.4698% | 2,399 |
| Total domestic deposits to total assets | 87.1465% | 1,491 |
| Equity capital to assets | 9.4192% | 4,299 |
| Core capital (leverage) ratio | 8.9524% | 4,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9914% | 2,289 |
| Memoranda: | ||
| Average total assets | $380,287,500 | 1,843 |
| Average earning assets | $352,869,500 | 1,839 |
| Average equity | $35,932,000 | 2,144 |
| Average total loans | $289,528,000 | 1,681 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9077% | 1,732 |
| Cost of funding earning assets | 0.6322% | 3,500 |
| Net interest margin | 4.2755% | 1,151 |
| Noninterest income to average assets | 1.1149% | 765 |
| Noninterest expense to average assets | 3.9509% | 562 |
| Loan and lease loss provision to assets | 0.2399% | 786 |
| Net operating income to assets | 0.7221% | 3,792 |
| Return on assets (ROA) | 0.8020% | 3,633 |
| Pretax return on assets | 0.9917% | 3,479 |
| Return on Equity (ROE) | 8.6329% | 2,895 |
| Retained earnings to average equity (ytd only) | 0.9984% | 4,382 |
| Net charge-offs to loans | 0.1422% | 1,377 |
| Credit loss provision to net charge-offs | 227.8481% | 1,175 |
| Earnings coverage of net charge-offs (x) | 10.7620% | 2,548 |
| Efficiency ratio | 77.6356% | 1,189 |
| Assets per employee ($millions) | 3.6616% | 4,305 |
| Cash dividends to net income (ytd only)* | 88.4347% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9778% | 3,617 |
| Loan loss allowance to noncurrent loans | 197.4843% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 0.5862% | 2,141 |
| Noncurrent loans to loans | 0.4951% | 2,699 |
| Net loans and leases to total assets | 75.8836% | 1,435 |
| Net loans and leases to deposits | 87.1681% | 1,948 |
| Net loans and leases to core deposits | 90.0759% | 2,418 |
| Total domestic deposits to total assets | 87.0544% | 1,577 |
| Equity capital to assets | 9.4786% | 4,373 |
| Core capital (leverage) ratio | 9.0353% | 4,506 |
| Tier 1 risk-based capital ratio | 13.0894% | 3,750 |
| Total risk-based capital ratio | 14.1907% | 3,697 |
| Memoranda: | ||
| Average total assets | $375,202,600 | 1,823 |
| Average earning assets | $348,306,400 | 1,819 |
| Average equity | $34,855,200 | 2,149 |
| Average total loans | $277,840,200 | 1,697 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8988% | 1,823 |
| Cost of funding earning assets | 0.6253% | 3,554 |
| Net interest margin | 4.2735% | 1,218 |
| Noninterest income to average assets | 1.1087% | 741 |
| Noninterest expense to average assets | 4.0093% | 524 |
| Loan and lease loss provision to assets | 0.1423% | 1,353 |
| Net operating income to assets | 0.6578% | 4,141 |
| Return on assets (ROA) | 0.7187% | 4,019 |
| Pretax return on assets | 1.0006% | 3,599 |
| Return on Equity (ROE) | 7.7768% | 3,401 |
| Retained earnings to average equity (ytd only) | -2.4716% | 4,961 |
| Net charge-offs to loans | 0.1309% | 1,215 |
| Credit loss provision to net charge-offs | 148.1481% | 1,652 |
| Earnings coverage of net charge-offs (x) | 11.0926% | 2,454 |
| Efficiency ratio | 78.9245% | 1,028 |
| Assets per employee ($millions) | 3.5826% | 4,418 |
| Cash dividends to net income (ytd only)* | 131.7818% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8502% | 4,224 |
| Loan loss allowance to noncurrent loans | 135.4144% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 0.6298% | 2,112 |
| Noncurrent loans to loans | 0.6279% | 2,403 |
| Net loans and leases to total assets | 75.9848% | 1,485 |
| Net loans and leases to deposits | 87.1434% | 2,041 |
| Net loans and leases to core deposits | 89.8984% | 2,552 |
| Total domestic deposits to total assets | 87.1952% | 1,429 |
| Equity capital to assets | 9.2830% | 4,607 |
| Core capital (leverage) ratio | 8.8682% | 4,732 |
| Tier 1 risk-based capital ratio | 12.5508% | 4,113 |
| Total risk-based capital ratio | 13.4818% | 4,176 |
| Memoranda: | ||
| Average total assets | $374,716,750 | 1,841 |
| Average earning assets | $347,778,000 | 1,838 |
| Average equity | $34,632,000 | 2,171 |
| Average total loans | $275,045,750 | 1,725 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8513% | 1,906 |
| Cost of funding earning assets | 0.6179% | 3,562 |
| Net interest margin | 4.2334% | 1,281 |
| Noninterest income to average assets | 1.0603% | 766 |
| Noninterest expense to average assets | 3.9890% | 544 |
| Loan and lease loss provision to assets | 0.0802% | 2,229 |
| Net operating income to assets | 0.7119% | 3,968 |
| Return on assets (ROA) | 0.7119% | 4,025 |
| Pretax return on assets | 0.9160% | 3,798 |
| Return on Equity (ROE) | 7.7137% | 3,417 |
| Retained earnings to average equity (ytd only) | -4.7371% | 5,051 |
| Net charge-offs to loans | 0.0828% | 1,531 |
| Credit loss provision to net charge-offs | 133.9286% | 1,626 |
| Earnings coverage of net charge-offs (x) | 16.6429% | 1,924 |
| Efficiency ratio | 79.9314% | 971 |
| Assets per employee ($millions) | 3.4717% | 4,529 |
| Cash dividends to net income (ytd only)* | 161.4114% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8460% | 4,280 |
| Loan loss allowance to noncurrent loans | 156.5362% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 0.5435% | 2,380 |
| Noncurrent loans to loans | 0.5404% | 2,654 |
| Net loans and leases to total assets | 73.7400% | 1,930 |
| Net loans and leases to deposits | 85.1546% | 2,353 |
| Net loans and leases to core deposits | 87.8701% | 2,810 |
| Total domestic deposits to total assets | 86.5954% | 1,772 |
| Equity capital to assets | 9.2611% | 4,604 |
| Core capital (leverage) ratio | 9.0466% | 4,595 |
| Tier 1 risk-based capital ratio | 12.6269% | 4,060 |
| Total risk-based capital ratio | 13.5368% | 4,115 |
| Memoranda: | ||
| Average total assets | $374,232,330 | 1,852 |
| Average earning assets | $346,956,670 | 1,848 |
| Average equity | $34,536,000 | 2,169 |
| Average total loans | $270,633,330 | 1,751 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8147% | 1,863 |
| Cost of funding earning assets | 0.6522% | 3,310 |
| Net interest margin | 4.1624% | 1,396 |
| Noninterest income to average assets | 1.0656% | 705 |
| Noninterest expense to average assets | 4.0398% | 512 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6965% | 3,948 |
| Return on assets (ROA) | 0.6965% | 3,986 |
| Pretax return on assets | 0.8901% | 3,799 |
| Return on Equity (ROE) | 7.5605% | 3,429 |
| Retained earnings to average equity (ytd only) | -17.4090% | 5,235 |
| Net charge-offs to loans | 0.0976% | 1,164 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 12.8000% | 1,855 |
| Efficiency ratio | 81.8576% | 886 |
| Assets per employee ($millions) | 3.5077% | 4,555 |
| Cash dividends to net income (ytd only)* | 330.2611% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8418% | 4,379 |
| Loan loss allowance to noncurrent loans | 94.9895% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 0.7799% | 1,808 |
| Noncurrent loans to loans | 0.8863% | 1,881 |
| Net loans and leases to total assets | 70.7997% | 2,363 |
| Net loans and leases to deposits | 80.8319% | 2,749 |
| Net loans and leases to core deposits | 83.3967% | 3,071 |
| Total domestic deposits to total assets | 87.5888% | 1,523 |
| Equity capital to assets | 9.0136% | 4,674 |
| Core capital (leverage) ratio | 8.7044% | 4,865 |
| Tier 1 risk-based capital ratio | 12.8657% | 3,946 |
| Total risk-based capital ratio | 13.7712% | 4,030 |
| Memoranda: | ||
| Average total assets | $373,875,500 | 1,861 |
| Average earning assets | $347,106,500 | 1,862 |
| Average equity | $34,442,000 | 2,164 |
| Average total loans | $266,528,000 | 1,774 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8736% | 1,356 |
| Cost of funding earning assets | 0.4486% | 3,693 |
| Net interest margin | 4.4251% | 886 |
| Noninterest income to average assets | 1.2721% | 580 |
| Noninterest expense to average assets | 4.1683% | 421 |
| Loan and lease loss provision to assets | 0.1885% | 1,019 |
| Net operating income to assets | 0.7662% | 3,923 |
| Return on assets (ROA) | 0.7675% | 3,923 |
| Pretax return on assets | 0.9818% | 3,670 |
| Return on Equity (ROE) | 7.6113% | 3,613 |
| Retained earnings to average equity (ytd only) | 1.7885% | 4,429 |
| Net charge-offs to loans | 0.3476% | 544 |
| Credit loss provision to net charge-offs | 71.8232% | 2,969 |
| Earnings coverage of net charge-offs (x) | 4.4530% | 3,297 |
| Efficiency ratio | 78.0223% | 1,130 |
| Assets per employee ($millions) | 3.5135% | 4,534 |
| Cash dividends to net income (ytd only)* | 76.5017% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8756% | 4,273 |
| Loan loss allowance to noncurrent loans | 99.1457% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 0.7975% | 1,748 |
| Noncurrent loans to loans | 0.8831% | 1,822 |
| Net loans and leases to total assets | 70.5510% | 2,493 |
| Net loans and leases to deposits | 80.9300% | 2,860 |
| Net loans and leases to core deposits | 84.1820% | 3,071 |
| Total domestic deposits to total assets | 87.1753% | 1,696 |
| Equity capital to assets | 9.4122% | 4,204 |
| Core capital (leverage) ratio | 9.4188% | 4,217 |
| Tier 1 risk-based capital ratio | 13.6554% | 3,459 |
| Total risk-based capital ratio | 14.6005% | 3,521 |
| Memoranda: | ||
| Average total assets | $344,868,800 | 1,933 |
| Average earning assets | $316,786,200 | 1,942 |
| Average equity | $34,777,400 | 2,084 |
| Average total loans | $260,327,000 | 1,779 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8682% | 1,241 |
| Cost of funding earning assets | 0.4067% | 3,811 |
| Net interest margin | 4.4616% | 802 |
| Noninterest income to average assets | 1.2632% | 599 |
| Noninterest expense to average assets | 4.2499% | 371 |
| Loan and lease loss provision to assets | 0.1183% | 1,714 |
| Net operating income to assets | 0.7765% | 3,985 |
| Return on assets (ROA) | 0.7783% | 3,987 |
| Pretax return on assets | 0.9874% | 3,755 |
| Return on Equity (ROE) | 7.5792% | 3,719 |
| Retained earnings to average equity (ytd only) | 0.9604% | 4,862 |
| Net charge-offs to loans | 0.3581% | 455 |
| Credit loss provision to net charge-offs | 43.1034% | 2,880 |
| Earnings coverage of net charge-offs (x) | 4.0187% | 3,109 |
| Efficiency ratio | 79.3073% | 1,013 |
| Assets per employee ($millions) | 3.3793% | 4,706 |
| Cash dividends to net income (ytd only)* | 87.3291% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8274% | 4,530 |
| Loan loss allowance to noncurrent loans | 79.7366% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 0.9293% | 1,585 |
| Noncurrent loans to loans | 1.0376% | 1,646 |
| Net loans and leases to total assets | 72.9472% | 2,177 |
| Net loans and leases to deposits | 83.8758% | 2,610 |
| Net loans and leases to core deposits | 87.2579% | 2,897 |
| Total domestic deposits to total assets | 86.9705% | 1,743 |
| Equity capital to assets | 9.6368% | 3,964 |
| Core capital (leverage) ratio | 9.9322% | 3,705 |
| Tier 1 risk-based capital ratio | 13.4678% | 3,644 |
| Total risk-based capital ratio | 14.3484% | 3,764 |
| Memoranda: | ||
| Average total assets | $337,978,500 | 1,968 |
| Average earning assets | $309,837,000 | 1,981 |
| Average equity | $34,708,250 | 2,090 |
| Average total loans | $259,140,250 | 1,789 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8480% | 1,133 |
| Cost of funding earning assets | 0.3794% | 3,877 |
| Net interest margin | 4.4686% | 737 |
| Noninterest income to average assets | 1.2487% | 619 |
| Noninterest expense to average assets | 4.2991% | 365 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8453% | 3,697 |
| Return on assets (ROA) | 0.8453% | 3,696 |
| Pretax return on assets | 1.0748% | 3,413 |
| Return on Equity (ROE) | 8.0527% | 3,480 |
| Retained earnings to average equity (ytd only) | 1.0238% | 4,749 |
| Net charge-offs to loans | 0.2693% | 594 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 5.1297% | 2,735 |
| Efficiency ratio | 79.9101% | 1,025 |
| Assets per employee ($millions) | 3.0379% | 5,074 |
| Cash dividends to net income (ytd only)* | 87.2857% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8349% | 4,589 |
| Loan loss allowance to noncurrent loans | 71.4881% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 1.0444% | 1,433 |
| Noncurrent loans to loans | 1.1680% | 1,492 |
| Net loans and leases to total assets | 79.2211% | 1,125 |
| Net loans and leases to deposits | 93.5879% | 1,406 |
| Net loans and leases to core deposits | 96.6623% | 2,004 |
| Total domestic deposits to total assets | 84.6489% | 2,820 |
| Equity capital to assets | 10.3621% | 3,264 |
| Core capital (leverage) ratio | 10.1753% | 3,389 |
| Tier 1 risk-based capital ratio | 13.8725% | 3,425 |
| Total risk-based capital ratio | 14.8026% | 3,495 |
| Memoranda: | ||
| Average total assets | $331,234,330 | 2,004 |
| Average earning assets | $305,778,670 | 2,017 |
| Average equity | $34,771,000 | 2,097 |
| Average total loans | $257,692,000 | 1,806 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7697% | 1,143 |
| Cost of funding earning assets | 0.3738% | 3,789 |
| Net interest margin | 4.3959% | 773 |
| Noninterest income to average assets | 1.0335% | 850 |
| Noninterest expense to average assets | 4.3267% | 344 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6113% | 4,393 |
| Return on assets (ROA) | 0.6113% | 4,399 |
| Pretax return on assets | 0.7581% | 4,268 |
| Return on Equity (ROE) | 5.7860% | 4,229 |
| Retained earnings to average equity (ytd only) | 5.7860% | 2,817 |
| Net charge-offs to loans | 0.0854% | 1,296 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 11.5741% | 1,840 |
| Efficiency ratio | 84.9952% | 715 |
| Assets per employee ($millions) | 3.1562% | 5,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9916% | 4,013 |
| Loan loss allowance to noncurrent loans | 72.0366% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 1.2725% | 1,170 |
| Noncurrent loans to loans | 1.3766% | 1,303 |
| Net loans and leases to total assets | 75.9801% | 1,548 |
| Net loans and leases to deposits | 88.5757% | 1,859 |
| Net loans and leases to core deposits | 91.2968% | 2,350 |
| Total domestic deposits to total assets | 85.7799% | 2,643 |
| Equity capital to assets | 10.5481% | 3,027 |
| Core capital (leverage) ratio | 10.3500% | 3,118 |
| Tier 1 risk-based capital ratio | 14.3849% | 3,178 |
| Total risk-based capital ratio | 15.4688% | 3,188 |
| Memoranda: | ||
| Average total assets | $329,766,000 | 2,019 |
| Average earning assets | $303,919,000 | 2,032 |
| Average equity | $34,843,000 | 2,110 |
| Average total loans | $253,056,500 | 1,837 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6405% | 1,332 |
| Cost of funding earning assets | 0.3593% | 3,621 |
| Net interest margin | 4.2812% | 1,006 |
| Noninterest income to average assets | 1.1878% | 736 |
| Noninterest expense to average assets | 3.9412% | 585 |
| Loan and lease loss provision to assets | 0.1194% | 1,916 |
| Net operating income to assets | 0.6371% | 3,865 |
| Return on assets (ROA) | 0.6432% | 3,876 |
| Pretax return on assets | 1.0870% | 3,237 |
| Return on Equity (ROE) | 6.2307% | 3,659 |
| Retained earnings to average equity (ytd only) | 4.8376% | 2,230 |
| Net charge-offs to loans | 0.1260% | 1,789 |
| Credit loss provision to net charge-offs | 127.6527% | 2,062 |
| Earnings coverage of net charge-offs (x) | 12.7910% | 2,443 |
| Efficiency ratio | 76.6542% | 1,526 |
| Assets per employee ($millions) | 3.0955% | 5,129 |
| Cash dividends to net income (ytd only)* | 22.3573% | 3,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0231% | 3,790 |
| Loan loss allowance to noncurrent loans | 95.7621% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 0.9886% | 1,564 |
| Noncurrent loans to loans | 1.0684% | 1,668 |
| Net loans and leases to total assets | 75.9502% | 1,607 |
| Net loans and leases to deposits | 88.6639% | 1,938 |
| Net loans and leases to core deposits | 92.0342% | 2,375 |
| Total domestic deposits to total assets | 85.6607% | 2,592 |
| Equity capital to assets | 10.5840% | 3,071 |
| Core capital (leverage) ratio | 10.2118% | 3,175 |
| Tier 1 risk-based capital ratio | 14.7184% | 2,980 |
| Total risk-based capital ratio | 15.8625% | 2,960 |
| Memoranda: | ||
| Average total assets | $332,385,200 | 1,992 |
| Average earning assets | $306,689,400 | 2,008 |
| Average equity | $34,314,200 | 2,118 |
| Average total loans | $246,896,600 | 1,835 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5717% | 1,443 |
| Cost of funding earning assets | 0.3544% | 3,620 |
| Net interest margin | 4.2173% | 1,117 |
| Noninterest income to average assets | 1.2183% | 705 |
| Noninterest expense to average assets | 3.9525% | 551 |
| Loan and lease loss provision to assets | 0.1587% | 1,295 |
| Net operating income to assets | 0.6822% | 4,065 |
| Return on assets (ROA) | 0.6909% | 4,092 |
| Pretax return on assets | 1.0164% | 3,619 |
| Return on Equity (ROE) | 6.7346% | 3,796 |
| Retained earnings to average equity (ytd only) | 5.8694% | 2,326 |
| Net charge-offs to loans | 0.0396% | 2,643 |
| Credit loss provision to net charge-offs | 543.8356% | 582 |
| Earnings coverage of net charge-offs (x) | 39.8223% | 1,299 |
| Efficiency ratio | 77.2358% | 1,432 |
| Assets per employee ($millions) | 3.1463% | 5,126 |
| Cash dividends to net income (ytd only)* | 12.8471% | 3,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1291% | 3,320 |
| Loan loss allowance to noncurrent loans | 138.0088% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 0.8079% | 2,128 |
| Noncurrent loans to loans | 0.8181% | 2,322 |
| Net loans and leases to total assets | 76.0391% | 1,589 |
| Net loans and leases to deposits | 88.9879% | 1,926 |
| Net loans and leases to core deposits | 92.1458% | 2,422 |
| Total domestic deposits to total assets | 85.4488% | 2,536 |
| Equity capital to assets | 10.6647% | 3,199 |
| Core capital (leverage) ratio | 10.0550% | 3,501 |
| Tier 1 risk-based capital ratio | 13.8331% | 3,518 |
| Total risk-based capital ratio | 15.0148% | 3,479 |
| Memoranda: | ||
| Average total assets | $333,449,750 | 1,998 |
| Average earning assets | $308,091,500 | 2,014 |
| Average equity | $34,210,500 | 2,139 |
| Average total loans | $245,673,500 | 1,850 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4655% | 1,610 |
| Cost of funding earning assets | 0.3505% | 3,578 |
| Net interest margin | 4.1150% | 1,284 |
| Noninterest income to average assets | 1.1926% | 716 |
| Noninterest expense to average assets | 3.7774% | 688 |
| Loan and lease loss provision to assets | 0.2359% | 724 |
| Net operating income to assets | 0.6688% | 3,987 |
| Return on assets (ROA) | 0.6732% | 4,027 |
| Pretax return on assets | 0.9953% | 3,585 |
| Return on Equity (ROE) | 6.6464% | 3,752 |
| Retained earnings to average equity (ytd only) | 5.3441% | 2,504 |
| Net charge-offs to loans | -0.0278% | 4,919 |
| Credit loss provision to net charge-offs | -1,167.6471% | 4,856 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5049% | 1,799 |
| Assets per employee ($millions) | 3.0972% | 5,189 |
| Cash dividends to net income (ytd only)* | 19.5940% | 3,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1761% | 3,162 |
| Loan loss allowance to noncurrent loans | 123.1970% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 0.8867% | 2,001 |
| Noncurrent loans to loans | 0.9546% | 2,053 |
| Net loans and leases to total assets | 74.7636% | 1,740 |
| Net loans and leases to deposits | 87.0982% | 2,095 |
| Net loans and leases to core deposits | 90.1282% | 2,514 |
| Total domestic deposits to total assets | 85.8382% | 2,454 |
| Equity capital to assets | 10.4356% | 3,425 |
| Core capital (leverage) ratio | 10.0228% | 3,512 |
| Tier 1 risk-based capital ratio | 14.2275% | 3,295 |
| Total risk-based capital ratio | 15.4777% | 3,217 |
| Memoranda: | ||
| Average total assets | $336,576,670 | 1,997 |
| Average earning assets | $311,588,000 | 2,000 |
| Average equity | $34,093,670 | 2,140 |
| Average total loans | $244,487,000 | 1,858 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3825% | 1,706 |
| Cost of funding earning assets | 0.3459% | 3,575 |
| Net interest margin | 4.0366% | 1,382 |
| Noninterest income to average assets | 0.9298% | 1,165 |
| Noninterest expense to average assets | 3.5760% | 926 |
| Loan and lease loss provision to assets | 0.4661% | 223 |
| Net operating income to assets | 0.4483% | 4,787 |
| Return on assets (ROA) | 0.4449% | 4,822 |
| Pretax return on assets | 0.6234% | 4,674 |
| Return on Equity (ROE) | 4.4574% | 4,615 |
| Retained earnings to average equity (ytd only) | 4.4574% | 3,194 |
| Net charge-offs to loans | -0.2193% | 5,636 |
| Credit loss provision to net charge-offs | -298.4962% | 4,112 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5711% | 1,822 |
| Assets per employee ($millions) | 3.4191% | 4,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2491% | 2,827 |
| Loan loss allowance to noncurrent loans | 158.6968% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 0.7285% | 2,474 |
| Noncurrent loans to loans | 0.7871% | 2,487 |
| Net loans and leases to total assets | 70.5364% | 2,287 |
| Net loans and leases to deposits | 81.4308% | 2,577 |
| Net loans and leases to core deposits | 84.0009% | 2,898 |
| Total domestic deposits to total assets | 86.6212% | 2,389 |
| Equity capital to assets | 9.9045% | 3,870 |
| Core capital (leverage) ratio | 9.4440% | 4,183 |
| Tier 1 risk-based capital ratio | 14.0450% | 3,445 |
| Total risk-based capital ratio | 15.2962% | 3,364 |
| Memoranda: | ||
| Average total assets | $340,715,500 | 1,986 |
| Average earning assets | $315,710,000 | 1,992 |
| Average equity | $34,010,500 | 2,151 |
| Average total loans | $242,546,000 | 1,879 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4360% | 1,726 |
| Cost of funding earning assets | 0.3463% | 3,560 |
| Net interest margin | 4.0897% | 1,402 |
| Noninterest income to average assets | 1.0956% | 948 |
| Noninterest expense to average assets | 3.7732% | 798 |
| Loan and lease loss provision to assets | 0.1815% | 1,311 |
| Net operating income to assets | 0.6621% | 3,942 |
| Return on assets (ROA) | 0.6907% | 3,934 |
| Pretax return on assets | 0.9987% | 3,484 |
| Return on Equity (ROE) | 6.4385% | 3,767 |
| Retained earnings to average equity (ytd only) | 5.2822% | 2,141 |
| Net charge-offs to loans | 0.1121% | 2,144 |
| Credit loss provision to net charge-offs | 224.7191% | 1,278 |
| Earnings coverage of net charge-offs (x) | 14.0974% | 2,314 |
| Efficiency ratio | 76.8155% | 1,877 |
| Assets per employee ($millions) | 3.4994% | 4,763 |
| Cash dividends to net income (ytd only)* | 17.9588% | 3,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0234% | 4,176 |
| Loan loss allowance to noncurrent loans | 134.9593% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 0.6730% | 2,694 |
| Noncurrent loans to loans | 0.7583% | 2,641 |
| Net loans and leases to total assets | 70.2230% | 2,427 |
| Net loans and leases to deposits | 81.1893% | 2,765 |
| Net loans and leases to core deposits | 84.7663% | 2,948 |
| Total domestic deposits to total assets | 86.4929% | 2,372 |
| Equity capital to assets | 10.0586% | 3,665 |
| Core capital (leverage) ratio | 9.8601% | 3,679 |
| Tier 1 risk-based capital ratio | 14.4460% | 3,216 |
| Total risk-based capital ratio | 15.5262% | 3,229 |
| Memoranda: | ||
| Average total assets | $330,515,200 | 2,002 |
| Average earning assets | $308,432,200 | 1,986 |
| Average equity | $35,458,600 | 2,055 |
| Average total loans | $238,279,400 | 1,852 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4303% | 1,757 |
| Cost of funding earning assets | 0.3492% | 3,549 |
| Net interest margin | 4.0810% | 1,434 |
| Noninterest income to average assets | 1.1020% | 934 |
| Noninterest expense to average assets | 3.7274% | 819 |
| Loan and lease loss provision to assets | 0.0611% | 3,020 |
| Net operating income to assets | 0.7378% | 3,655 |
| Return on assets (ROA) | 0.7717% | 3,644 |
| Pretax return on assets | 1.1822% | 2,911 |
| Return on Equity (ROE) | 7.0774% | 3,524 |
| Retained earnings to average equity (ytd only) | 6.3715% | 1,977 |
| Net charge-offs to loans | 0.0343% | 2,948 |
| Credit loss provision to net charge-offs | 245.9016% | 1,212 |
| Earnings coverage of net charge-offs (x) | 47.9516% | 1,112 |
| Efficiency ratio | 75.7824% | 2,006 |
| Assets per employee ($millions) | 3.3021% | 5,044 |
| Cash dividends to net income (ytd only)* | 9.9735% | 3,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9201% | 4,807 |
| Loan loss allowance to noncurrent loans | 118.4599% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 0.6971% | 2,822 |
| Noncurrent loans to loans | 0.7767% | 2,734 |
| Net loans and leases to total assets | 71.8075% | 2,221 |
| Net loans and leases to deposits | 83.9296% | 2,490 |
| Net loans and leases to core deposits | 87.9689% | 2,765 |
| Total domestic deposits to total assets | 85.5568% | 2,577 |
| Equity capital to assets | 10.8721% | 3,166 |
| Core capital (leverage) ratio | 10.4848% | 3,012 |
| Tier 1 risk-based capital ratio | 15.3156% | 2,910 |
| Total risk-based capital ratio | 16.3014% | 2,962 |
| Memoranda: | ||
| Average total assets | $327,409,250 | 2,023 |
| Average earning assets | $306,189,500 | 2,009 |
| Average equity | $35,699,500 | 2,050 |
| Average total loans | $237,021,250 | 1,864 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4277% | 1,749 |
| Cost of funding earning assets | 0.3541% | 3,523 |
| Net interest margin | 4.0736% | 1,438 |
| Noninterest income to average assets | 0.9948% | 1,130 |
| Noninterest expense to average assets | 3.6241% | 975 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7890% | 3,363 |
| Return on assets (ROA) | 0.8419% | 3,257 |
| Pretax return on assets | 1.2594% | 2,565 |
| Return on Equity (ROE) | 7.7134% | 3,135 |
| Retained earnings to average equity (ytd only) | 6.6454% | 1,783 |
| Net charge-offs to loans | 0.0324% | 2,809 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 50.3684% | 992 |
| Efficiency ratio | 75.4300% | 2,160 |
| Assets per employee ($millions) | 2.9215% | 5,513 |
| Cash dividends to net income (ytd only)* | 13.8462% | 3,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8797% | 5,013 |
| Loan loss allowance to noncurrent loans | 162.3755% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 0.6348% | 3,097 |
| Noncurrent loans to loans | 0.5418% | 3,446 |
| Net loans and leases to total assets | 74.2918% | 1,782 |
| Net loans and leases to deposits | 87.5924% | 2,052 |
| Net loans and leases to core deposits | 92.0658% | 2,348 |
| Total domestic deposits to total assets | 84.8153% | 2,959 |
| Equity capital to assets | 11.2648% | 2,781 |
| Core capital (leverage) ratio | 10.6687% | 2,768 |
| Tier 1 risk-based capital ratio | 15.5622% | 2,833 |
| Total risk-based capital ratio | 16.5221% | 2,885 |
| Memoranda: | ||
| Average total assets | $324,273,330 | 2,051 |
| Average earning assets | $303,272,670 | 2,036 |
| Average equity | $35,393,000 | 2,070 |
| Average total loans | $234,659,670 | 1,881 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3867% | 1,843 |
| Cost of funding earning assets | 0.3514% | 3,588 |
| Net interest margin | 4.0353% | 1,519 |
| Noninterest income to average assets | 1.0229% | 1,028 |
| Noninterest expense to average assets | 3.6828% | 916 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7498% | 3,484 |
| Return on assets (ROA) | 0.8559% | 3,084 |
| Pretax return on assets | 1.2784% | 2,395 |
| Return on Equity (ROE) | 7.9682% | 2,933 |
| Retained earnings to average equity (ytd only) | 7.9682% | 1,468 |
| Net charge-offs to loans | -0.1036% | 5,650 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6812% | 2,086 |
| Assets per employee ($millions) | 3.1414% | 5,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9586% | 4,812 |
| Loan loss allowance to noncurrent loans | 165.9431% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 0.6926% | 2,984 |
| Noncurrent loans to loans | 0.5777% | 3,463 |
| Net loans and leases to total assets | 70.7920% | 2,221 |
| Net loans and leases to deposits | 83.0006% | 2,430 |
| Net loans and leases to core deposits | 86.6048% | 2,696 |
| Total domestic deposits to total assets | 85.2909% | 3,004 |
| Equity capital to assets | 10.9389% | 3,005 |
| Core capital (leverage) ratio | 10.4933% | 2,972 |
| Tier 1 risk-based capital ratio | 15.7259% | 2,815 |
| Total risk-based capital ratio | 16.7583% | 2,846 |
| Memoranda: | ||
| Average total assets | $325,728,000 | 2,052 |
| Average earning assets | $305,107,000 | 2,024 |
| Average equity | $34,989,000 | 2,089 |
| Average total loans | $231,556,500 | 1,904 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3781% | 1,976 |
| Cost of funding earning assets | 0.3454% | 3,739 |
| Net interest margin | 4.0327% | 1,613 |
| Noninterest income to average assets | 1.1968% | 836 |
| Noninterest expense to average assets | 3.7090% | 962 |
| Loan and lease loss provision to assets | 0.2026% | 1,055 |
| Net operating income to assets | 0.7487% | 3,582 |
| Return on assets (ROA) | 0.7827% | 3,486 |
| Pretax return on assets | 1.1092% | 3,005 |
| Return on Equity (ROE) | 7.4319% | 3,287 |
| Retained earnings to average equity (ytd only) | 6.3954% | 1,603 |
| Net charge-offs to loans | 0.3135% | 961 |
| Credit loss provision to net charge-offs | 93.9742% | 2,681 |
| Earnings coverage of net charge-offs (x) | 5.8637% | 3,314 |
| Efficiency ratio | 74.5849% | 2,493 |
| Assets per employee ($millions) | 3.2789% | 5,179 |
| Cash dividends to net income (ytd only)* | 13.9471% | 3,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9304% | 4,972 |
| Loan loss allowance to noncurrent loans | 117.9978% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 0.7481% | 2,811 |
| Noncurrent loans to loans | 0.7885% | 2,815 |
| Net loans and leases to total assets | 70.0479% | 2,357 |
| Net loans and leases to deposits | 81.6836% | 2,634 |
| Net loans and leases to core deposits | 85.4009% | 2,838 |
| Total domestic deposits to total assets | 85.7552% | 2,751 |
| Equity capital to assets | 10.5472% | 3,304 |
| Core capital (leverage) ratio | 10.3187% | 3,138 |
| Tier 1 risk-based capital ratio | 15.4485% | 2,955 |
| Total risk-based capital ratio | 16.4485% | 3,017 |
| Memoranda: | ||
| Average total assets | $323,374,200 | 2,028 |
| Average earning assets | $302,800,400 | 2,003 |
| Average equity | $34,055,800 | 2,090 |
| Average total loans | $222,299,200 | 1,910 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3413% | 2,104 |
| Cost of funding earning assets | 0.3394% | 3,865 |
| Net interest margin | 4.0019% | 1,697 |
| Noninterest income to average assets | 1.2181% | 810 |
| Noninterest expense to average assets | 3.7018% | 972 |
| Loan and lease loss provision to assets | 0.1365% | 1,640 |
| Net operating income to assets | 0.7559% | 3,654 |
| Return on assets (ROA) | 0.7878% | 3,577 |
| Pretax return on assets | 1.1742% | 2,912 |
| Return on Equity (ROE) | 7.4832% | 3,348 |
| Retained earnings to average equity (ytd only) | 6.7915% | 1,794 |
| Net charge-offs to loans | 0.2783% | 961 |
| Credit loss provision to net charge-offs | 71.8954% | 2,727 |
| Earnings coverage of net charge-offs (x) | 6.6515% | 3,020 |
| Efficiency ratio | 74.5583% | 2,464 |
| Assets per employee ($millions) | 3.1432% | 5,373 |
| Cash dividends to net income (ytd only)* | 9.2437% | 3,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8952% | 5,217 |
| Loan loss allowance to noncurrent loans | 131.3452% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 0.6388% | 3,343 |
| Noncurrent loans to loans | 0.6815% | 3,278 |
| Net loans and leases to total assets | 70.7854% | 2,266 |
| Net loans and leases to deposits | 82.7059% | 2,561 |
| Net loans and leases to core deposits | 86.7378% | 2,779 |
| Total domestic deposits to total assets | 85.5868% | 2,743 |
| Equity capital to assets | 10.7020% | 3,358 |
| Core capital (leverage) ratio | 10.5026% | 3,045 |
| Tier 1 risk-based capital ratio | 15.5249% | 3,036 |
| Total risk-based capital ratio | 16.4852% | 3,111 |
| Memoranda: | ||
| Average total assets | $322,246,000 | 2,048 |
| Average earning assets | $301,713,000 | 2,026 |
| Average equity | $33,924,000 | 2,107 |
| Average total loans | $219,915,250 | 1,933 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3120% | 2,131 |
| Cost of funding earning assets | 0.3500% | 3,806 |
| Net interest margin | 3.9620% | 1,773 |
| Noninterest income to average assets | 1.2003% | 841 |
| Noninterest expense to average assets | 3.6277% | 1,078 |
| Loan and lease loss provision to assets | 0.1554% | 1,368 |
| Net operating income to assets | 0.7545% | 3,626 |
| Return on assets (ROA) | 0.7845% | 3,573 |
| Pretax return on assets | 1.1699% | 2,900 |
| Return on Equity (ROE) | 7.4935% | 3,324 |
| Retained earnings to average equity (ytd only) | 6.4484% | 1,977 |
| Net charge-offs to loans | 0.4414% | 578 |
| Credit loss provision to net charge-offs | 52.4109% | 2,678 |
| Earnings coverage of net charge-offs (x) | 4.3187% | 3,057 |
| Efficiency ratio | 73.9108% | 2,689 |
| Assets per employee ($millions) | 2.9721% | 5,627 |
| Cash dividends to net income (ytd only)* | 13.9461% | 3,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9029% | 5,293 |
| Loan loss allowance to noncurrent loans | 139.1673% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 0.6374% | 3,509 |
| Noncurrent loans to loans | 0.6488% | 3,529 |
| Net loans and leases to total assets | 68.6974% | 2,537 |
| Net loans and leases to deposits | 78.0253% | 3,027 |
| Net loans and leases to core deposits | 82.0074% | 3,174 |
| Total domestic deposits to total assets | 88.0450% | 1,631 |
| Equity capital to assets | 10.7676% | 3,144 |
| Core capital (leverage) ratio | 10.2917% | 3,223 |
| Tier 1 risk-based capital ratio | 15.9694% | 2,874 |
| Total risk-based capital ratio | 16.9286% | 2,965 |
| Memoranda: | ||
| Average total assets | $321,744,000 | 2,067 |
| Average earning assets | $301,113,000 | 2,042 |
| Average equity | $33,682,670 | 2,124 |
| Average total loans | $216,140,670 | 1,965 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2544% | 2,258 |
| Cost of funding earning assets | 0.3548% | 3,806 |
| Net interest margin | 3.8996% | 1,896 |
| Noninterest income to average assets | 1.0151% | 1,087 |
| Noninterest expense to average assets | 3.4427% | 1,418 |
| Loan and lease loss provision to assets | 0.3076% | 460 |
| Net operating income to assets | 0.6214% | 4,189 |
| Return on assets (ROA) | 0.6214% | 4,285 |
| Pretax return on assets | 0.9167% | 3,824 |
| Return on Equity (ROE) | 6.0186% | 4,033 |
| Retained earnings to average equity (ytd only) | 6.0186% | 2,498 |
| Net charge-offs to loans | 0.7814% | 299 |
| Credit loss provision to net charge-offs | 59.5238% | 2,011 |
| Earnings coverage of net charge-offs (x) | 2.3690% | 2,770 |
| Efficiency ratio | 73.7675% | 2,855 |
| Assets per employee ($millions) | 3.0833% | 5,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9527% | 5,240 |
| Loan loss allowance to noncurrent loans | 121.9351% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 0.6873% | 3,431 |
| Noncurrent loans to loans | 0.7814% | 3,299 |
| Net loans and leases to total assets | 65.1548% | 2,906 |
| Net loans and leases to deposits | 73.7875% | 3,340 |
| Net loans and leases to core deposits | 77.3440% | 3,440 |
| Total domestic deposits to total assets | 88.3006% | 1,661 |
| Equity capital to assets | 10.4669% | 3,570 |
| Core capital (leverage) ratio | 10.0864% | 3,496 |
| Tier 1 risk-based capital ratio | 15.8683% | 2,982 |
| Total risk-based capital ratio | 16.8592% | 3,036 |
| Memoranda: | ||
| Average total assets | $325,092,500 | 2,051 |
| Average earning assets | $304,439,500 | 2,024 |
| Average equity | $33,562,500 | 2,145 |
| Average total loans | $215,010,500 | 1,976 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5248% | 1,775 |
| Cost of funding earning assets | 0.4160% | 3,524 |
| Net interest margin | 4.1088% | 1,553 |
| Noninterest income to average assets | 1.2033% | 829 |
| Noninterest expense to average assets | 3.4589% | 1,580 |
| Loan and lease loss provision to assets | 0.5568% | 263 |
| Net operating income to assets | 0.7433% | 3,661 |
| Return on assets (ROA) | 0.7795% | 3,562 |
| Pretax return on assets | 1.0840% | 3,152 |
| Return on Equity (ROE) | 7.7184% | 3,263 |
| Retained earnings to average equity (ytd only) | 6.4722% | 1,662 |
| Net charge-offs to loans | 1.1759% | 234 |
| Credit loss provision to net charge-offs | 70.1692% | 3,074 |
| Earnings coverage of net charge-offs (x) | 2.0043% | 4,273 |
| Efficiency ratio | 68.5015% | 3,808 |
| Assets per employee ($millions) | 3.1090% | 5,554 |
| Cash dividends to net income (ytd only)* | 16.1458% | 3,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0131% | 4,974 |
| Loan loss allowance to noncurrent loans | 105.3161% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 0.8155% | 3,167 |
| Noncurrent loans to loans | 0.9620% | 2,921 |
| Net loans and leases to total assets | 65.8184% | 2,916 |
| Net loans and leases to deposits | 74.3760% | 3,387 |
| Net loans and leases to core deposits | 77.9732% | 3,522 |
| Total domestic deposits to total assets | 88.4941% | 1,529 |
| Equity capital to assets | 10.1822% | 3,878 |
| Core capital (leverage) ratio | 9.8252% | 3,808 |
| Tier 1 risk-based capital ratio | 15.1608% | 3,409 |
| Total risk-based capital ratio | 16.2221% | 3,436 |
| Memoranda: | ||
| Average total assets | $320,213,800 | 2,029 |
| Average earning assets | $299,748,400 | 2,000 |
| Average equity | $32,338,200 | 2,149 |
| Average total loans | $216,090,000 | 1,928 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5503% | 1,704 |
| Cost of funding earning assets | 0.4285% | 3,480 |
| Net interest margin | 4.1218% | 1,512 |
| Noninterest income to average assets | 1.2163% | 826 |
| Noninterest expense to average assets | 3.5917% | 1,309 |
| Loan and lease loss provision to assets | 0.1351% | 1,843 |
| Net operating income to assets | 0.9050% | 2,895 |
| Return on assets (ROA) | 0.9167% | 2,937 |
| Pretax return on assets | 1.3670% | 2,129 |
| Return on Equity (ROE) | 9.0968% | 2,626 |
| Retained earnings to average equity (ytd only) | 8.0589% | 1,331 |
| Net charge-offs to loans | 0.3014% | 1,311 |
| Credit loss provision to net charge-offs | 66.1885% | 2,833 |
| Earnings coverage of net charge-offs (x) | 7.2705% | 2,947 |
| Efficiency ratio | 70.7550% | 3,377 |
| Assets per employee ($millions) | 3.1553% | 5,508 |
| Cash dividends to net income (ytd only)* | 11.4105% | 3,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2274% | 4,091 |
| Loan loss allowance to noncurrent loans | 205.1433% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 0.5843% | 4,091 |
| Noncurrent loans to loans | 0.5983% | 4,137 |
| Net loans and leases to total assets | 70.5044% | 2,109 |
| Net loans and leases to deposits | 79.9576% | 2,695 |
| Net loans and leases to core deposits | 84.2918% | 2,848 |
| Total domestic deposits to total assets | 88.1772% | 1,673 |
| Equity capital to assets | 10.4920% | 3,573 |
| Core capital (leverage) ratio | 9.9815% | 3,707 |
| Tier 1 risk-based capital ratio | 14.7835% | 3,711 |
| Total risk-based capital ratio | 16.0343% | 3,653 |
| Memoranda: | ||
| Average total assets | $318,656,750 | 2,054 |
| Average earning assets | $298,404,500 | 2,018 |
| Average equity | $32,113,000 | 2,168 |
| Average total loans | $215,848,000 | 1,945 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5046% | 1,813 |
| Cost of funding earning assets | 0.4364% | 3,477 |
| Net interest margin | 4.0683% | 1,615 |
| Noninterest income to average assets | 1.0871% | 1,011 |
| Noninterest expense to average assets | 3.5594% | 1,369 |
| Loan and lease loss provision to assets | 0.0690% | 2,888 |
| Net operating income to assets | 0.8567% | 3,033 |
| Return on assets (ROA) | 0.8567% | 3,133 |
| Pretax return on assets | 1.2679% | 2,378 |
| Return on Equity (ROE) | 8.6196% | 2,774 |
| Retained earnings to average equity (ytd only) | 7.0409% | 1,747 |
| Net charge-offs to loans | 0.4529% | 894 |
| Credit loss provision to net charge-offs | 22.9167% | 3,156 |
| Earnings coverage of net charge-offs (x) | 4.4375% | 3,107 |
| Efficiency ratio | 72.6958% | 3,212 |
| Assets per employee ($millions) | 3.1754% | 5,462 |
| Cash dividends to net income (ytd only)* | 18.3150% | 3,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1769% | 4,529 |
| Loan loss allowance to noncurrent loans | 265.3333% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.4596% | 4,620 |
| Noncurrent loans to loans | 0.4436% | 4,652 |
| Net loans and leases to total assets | 67.7305% | 2,457 |
| Net loans and leases to deposits | 76.4204% | 2,998 |
| Net loans and leases to core deposits | 82.7881% | 2,886 |
| Total domestic deposits to total assets | 88.6288% | 1,572 |
| Equity capital to assets | 10.0978% | 3,971 |
| Core capital (leverage) ratio | 9.6591% | 4,101 |
| Tier 1 risk-based capital ratio | 14.8540% | 3,718 |
| Total risk-based capital ratio | 16.1039% | 3,658 |
| Memoranda: | ||
| Average total assets | $318,648,670 | 2,050 |
| Average earning assets | $298,359,000 | 2,018 |
| Average equity | $31,672,000 | 2,178 |
| Average total loans | $211,972,000 | 1,966 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4517% | 1,955 |
| Cost of funding earning assets | 0.4495% | 3,436 |
| Net interest margin | 4.0022% | 1,751 |
| Noninterest income to average assets | 1.0138% | 1,102 |
| Noninterest expense to average assets | 3.5578% | 1,383 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8136% | 3,092 |
| Return on assets (ROA) | 0.8136% | 3,159 |
| Pretax return on assets | 1.2015% | 2,479 |
| Return on Equity (ROE) | 8.2515% | 2,815 |
| Retained earnings to average equity (ytd only) | 6.8592% | 2,109 |
| Net charge-offs to loans | 0.1788% | 1,647 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 10.2581% | 1,873 |
| Efficiency ratio | 74.7552% | 3,005 |
| Assets per employee ($millions) | 3.1696% | 5,574 |
| Cash dividends to net income (ytd only)* | 16.8731% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3726% | 3,731 |
| Loan loss allowance to noncurrent loans | 162.1744% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 0.6794% | 4,075 |
| Noncurrent loans to loans | 0.8464% | 3,775 |
| Net loans and leases to total assets | 64.2833% | 2,843 |
| Net loans and leases to deposits | 72.3855% | 3,286 |
| Net loans and leases to core deposits | 78.3542% | 3,164 |
| Total domestic deposits to total assets | 88.8069% | 1,773 |
| Equity capital to assets | 9.9068% | 3,953 |
| Core capital (leverage) ratio | 9.5512% | 4,209 |
| Tier 1 risk-based capital ratio | 15.4086% | 3,496 |
| Total risk-based capital ratio | 16.6612% | 3,445 |
| Memoranda: | ||
| Average total assets | $317,615,500 | 2,058 |
| Average earning assets | $297,236,500 | 2,029 |
| Average equity | $31,315,500 | 2,193 |
| Average total loans | $208,053,500 | 1,987 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6142% | 1,824 |
| Cost of funding earning assets | 0.5336% | 3,259 |
| Net interest margin | 4.0807% | 1,702 |
| Noninterest income to average assets | 1.1705% | 1,026 |
| Noninterest expense to average assets | 3.6012% | 1,445 |
| Loan and lease loss provision to assets | 0.1534% | 2,359 |
| Net operating income to assets | 0.8324% | 3,121 |
| Return on assets (ROA) | 0.8328% | 3,203 |
| Pretax return on assets | 1.2131% | 2,525 |
| Return on Equity (ROE) | 8.7065% | 2,698 |
| Retained earnings to average equity (ytd only) | 7.7729% | 1,129 |
| Net charge-offs to loans | 0.3869% | 1,745 |
| Credit loss provision to net charge-offs | 61.1321% | 3,525 |
| Earnings coverage of net charge-offs (x) | 5.4440% | 3,298 |
| Efficiency ratio | 72.5014% | 3,386 |
| Assets per employee ($millions) | 3.0010% | 5,836 |
| Cash dividends to net income (ytd only)* | 10.7238% | 4,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4254% | 3,531 |
| Loan loss allowance to noncurrent loans | 229.2248% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 0.5389% | 4,614 |
| Noncurrent loans to loans | 0.6218% | 4,425 |
| Net loans and leases to total assets | 64.8985% | 2,887 |
| Net loans and leases to deposits | 72.8831% | 3,409 |
| Net loans and leases to core deposits | 79.2961% | 3,207 |
| Total domestic deposits to total assets | 89.0446% | 1,589 |
| Equity capital to assets | 9.8116% | 4,024 |
| Core capital (leverage) ratio | 9.5047% | 4,258 |
| Tier 1 risk-based capital ratio | 15.4167% | 3,424 |
| Total risk-based capital ratio | 16.6698% | 3,370 |
| Memoranda: | ||
| Average total assets | $316,869,200 | 2,032 |
| Average earning assets | $294,804,600 | 2,009 |
| Average equity | $30,310,600 | 2,236 |
| Average total loans | $205,474,000 | 1,961 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5948% | 1,923 |
| Cost of funding earning assets | 0.5503% | 3,257 |
| Net interest margin | 4.0445% | 1,806 |
| Noninterest income to average assets | 1.1715% | 1,068 |
| Noninterest expense to average assets | 3.5502% | 1,492 |
| Loan and lease loss provision to assets | 0.1118% | 2,898 |
| Net operating income to assets | 0.8537% | 3,083 |
| Return on assets (ROA) | 0.8542% | 3,190 |
| Pretax return on assets | 1.2690% | 2,451 |
| Return on Equity (ROE) | 8.9877% | 2,641 |
| Retained earnings to average equity (ytd only) | 8.3643% | 1,260 |
| Net charge-offs to loans | 0.3376% | 1,862 |
| Credit loss provision to net charge-offs | 51.2524% | 3,471 |
| Earnings coverage of net charge-offs (x) | 6.3276% | 2,998 |
| Efficiency ratio | 72.0106% | 3,401 |
| Assets per employee ($millions) | 3.0651% | 5,743 |
| Cash dividends to net income (ytd only)* | 6.9357% | 3,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4445% | 3,711 |
| Loan loss allowance to noncurrent loans | 231.5911% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 0.5499% | 4,800 |
| Noncurrent loans to loans | 0.6237% | 4,645 |
| Net loans and leases to total assets | 65.1142% | 2,781 |
| Net loans and leases to deposits | 72.9539% | 3,416 |
| Net loans and leases to core deposits | 79.2891% | 3,201 |
| Total domestic deposits to total assets | 89.2539% | 1,430 |
| Equity capital to assets | 9.6600% | 4,345 |
| Core capital (leverage) ratio | 9.2830% | 4,712 |
| Tier 1 risk-based capital ratio | 15.1069% | 3,680 |
| Total risk-based capital ratio | 16.3606% | 3,631 |
| Memoranda: | ||
| Average total assets | $317,310,000 | 2,035 |
| Average earning assets | $294,879,750 | 2,015 |
| Average equity | $30,159,000 | 2,259 |
| Average total loans | $204,978,500 | 1,977 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5214% | 2,113 |
| Cost of funding earning assets | 0.5599% | 3,318 |
| Net interest margin | 3.9615% | 2,003 |
| Noninterest income to average assets | 1.1641% | 1,120 |
| Noninterest expense to average assets | 3.5822% | 1,443 |
| Loan and lease loss provision to assets | 0.0648% | 3,728 |
| Net operating income to assets | 0.8228% | 3,179 |
| Return on assets (ROA) | 0.8237% | 3,335 |
| Pretax return on assets | 1.2226% | 2,580 |
| Return on Equity (ROE) | 8.7132% | 2,753 |
| Retained earnings to average equity (ytd only) | 7.7747% | 1,576 |
| Net charge-offs to loans | 0.1737% | 2,731 |
| Credit loss provision to net charge-offs | 58.1921% | 3,052 |
| Earnings coverage of net charge-offs (x) | 11.5480% | 2,046 |
| Efficiency ratio | 73.5815% | 3,212 |
| Assets per employee ($millions) | 3.1398% | 5,602 |
| Cash dividends to net income (ytd only)* | 10.7716% | 3,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5457% | 3,383 |
| Loan loss allowance to noncurrent loans | 202.0253% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.6159% | 4,698 |
| Noncurrent loans to loans | 0.7651% | 4,389 |
| Net loans and leases to total assets | 62.8668% | 3,125 |
| Net loans and leases to deposits | 70.0169% | 3,709 |
| Net loans and leases to core deposits | 76.3740% | 3,499 |
| Total domestic deposits to total assets | 89.7880% | 1,155 |
| Equity capital to assets | 9.2587% | 4,913 |
| Core capital (leverage) ratio | 9.0871% | 4,844 |
| Tier 1 risk-based capital ratio | 14.3504% | 4,192 |
| Total risk-based capital ratio | 15.6046% | 4,144 |
| Memoranda: | ||
| Average total assets | $317,845,330 | 2,033 |
| Average earning assets | $297,207,000 | 2,001 |
| Average equity | $30,046,330 | 2,270 |
| Average total loans | $203,777,670 | 1,983 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5808% | 1,894 |
| Cost of funding earning assets | 0.5828% | 3,271 |
| Net interest margin | 3.9980% | 1,793 |
| Noninterest income to average assets | 1.0779% | 1,275 |
| Noninterest expense to average assets | 3.7084% | 1,235 |
| Loan and lease loss provision to assets | 0.1308% | 2,609 |
| Net operating income to assets | 0.6729% | 3,830 |
| Return on assets (ROA) | 0.6729% | 3,987 |
| Pretax return on assets | 0.9750% | 3,460 |
| Return on Equity (ROE) | 7.0437% | 3,465 |
| Retained earnings to average equity (ytd only) | 7.0437% | 2,132 |
| Net charge-offs to loans | 0.3221% | 1,674 |
| Credit loss provision to net charge-offs | 63.1902% | 2,390 |
| Earnings coverage of net charge-offs (x) | 5.3436% | 2,373 |
| Efficiency ratio | 77.0306% | 2,759 |
| Assets per employee ($millions) | 3.1176% | 5,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5942% | 3,419 |
| Loan loss allowance to noncurrent loans | 191.2888% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 0.6846% | 4,666 |
| Noncurrent loans to loans | 0.8334% | 4,456 |
| Net loans and leases to total assets | 62.2338% | 3,016 |
| Net loans and leases to deposits | 69.7298% | 3,534 |
| Net loans and leases to core deposits | 76.6588% | 3,237 |
| Total domestic deposits to total assets | 89.2500% | 1,528 |
| Equity capital to assets | 9.4887% | 4,867 |
| Core capital (leverage) ratio | 9.0748% | 4,758 |
| Tier 1 risk-based capital ratio | 14.8065% | 3,968 |
| Total risk-based capital ratio | 16.0615% | 3,933 |
| Memoranda: | ||
| Average total assets | $315,066,500 | 2,084 |
| Average earning assets | $294,447,000 | 2,044 |
| Average equity | $30,098,000 | 2,284 |
| Average total loans | $202,414,000 | 2,012 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0149% | 1,519 |
| Cost of funding earning assets | 0.7208% | 3,318 |
| Net interest margin | 4.2941% | 1,412 |
| Noninterest income to average assets | 1.1821% | 1,120 |
| Noninterest expense to average assets | 3.7126% | 1,394 |
| Loan and lease loss provision to assets | 0.6930% | 747 |
| Net operating income to assets | 0.5636% | 4,412 |
| Return on assets (ROA) | 0.5799% | 4,595 |
| Pretax return on assets | 0.7964% | 4,308 |
| Return on Equity (ROE) | 6.1836% | 4,072 |
| Retained earnings to average equity (ytd only) | 6.1836% | 1,980 |
| Net charge-offs to loans | 1.0941% | 965 |
| Credit loss provision to net charge-offs | 95.8426% | 3,237 |
| Earnings coverage of net charge-offs (x) | 2.0291% | 4,399 |
| Efficiency ratio | 71.6755% | 3,477 |
| Assets per employee ($millions) | 3.0904% | 5,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6032% | 3,297 |
| Loan loss allowance to noncurrent loans | 151.8364% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 0.8538% | 4,337 |
| Noncurrent loans to loans | 1.0559% | 4,096 |
| Net loans and leases to total assets | 64.2202% | 2,868 |
| Net loans and leases to deposits | 72.0541% | 3,405 |
| Net loans and leases to core deposits | 79.0685% | 3,141 |
| Total domestic deposits to total assets | 89.1277% | 1,485 |
| Equity capital to assets | 9.6183% | 4,714 |
| Core capital (leverage) ratio | 9.1013% | 4,738 |
| Tier 1 risk-based capital ratio | 14.6695% | 3,913 |
| Total risk-based capital ratio | 15.9249% | 3,871 |
| Memoranda: | ||
| Average total assets | $309,377,400 | 2,078 |
| Average earning assets | $288,020,000 | 2,056 |
| Average equity | $29,012,200 | 2,322 |
| Average total loans | $204,466,000 | 1,972 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0599% | 1,531 |
| Cost of funding earning assets | 0.7436% | 3,399 |
| Net interest margin | 4.3163% | 1,424 |
| Noninterest income to average assets | 1.1640% | 1,126 |
| Noninterest expense to average assets | 3.7552% | 1,280 |
| Loan and lease loss provision to assets | 0.6371% | 831 |
| Net operating income to assets | 0.5215% | 4,750 |
| Return on assets (ROA) | 0.5412% | 4,921 |
| Pretax return on assets | 0.8181% | 4,420 |
| Return on Equity (ROE) | 5.8089% | 4,434 |
| Retained earnings to average equity (ytd only) | 5.8089% | 2,828 |
| Net charge-offs to loans | 1.1720% | 852 |
| Credit loss provision to net charge-offs | 81.9900% | 3,559 |
| Earnings coverage of net charge-offs (x) | 1.8343% | 4,346 |
| Efficiency ratio | 72.4862% | 3,235 |
| Assets per employee ($millions) | 3.1207% | 5,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4701% | 4,064 |
| Loan loss allowance to noncurrent loans | 163.4356% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 0.7459% | 4,828 |
| Noncurrent loans to loans | 0.8995% | 4,635 |
| Net loans and leases to total assets | 64.5359% | 2,922 |
| Net loans and leases to deposits | 72.1348% | 3,592 |
| Net loans and leases to core deposits | 79.3509% | 3,286 |
| Total domestic deposits to total assets | 89.4656% | 1,148 |
| Equity capital to assets | 9.3967% | 5,340 |
| Core capital (leverage) ratio | 9.1072% | 4,906 |
| Tier 1 risk-based capital ratio | 14.3616% | 4,287 |
| Total risk-based capital ratio | 15.6155% | 4,258 |
| Memoranda: | ||
| Average total assets | $308,688,250 | 2,108 |
| Average earning assets | $287,246,750 | 2,084 |
| Average equity | $28,759,750 | 2,352 |
| Average total loans | $204,652,750 | 1,985 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1431% | 1,395 |
| Cost of funding earning assets | 0.7643% | 3,484 |
| Net interest margin | 4.3788% | 1,259 |
| Noninterest income to average assets | 1.1366% | 1,104 |
| Noninterest expense to average assets | 3.5900% | 1,602 |
| Loan and lease loss provision to assets | 0.8228% | 597 |
| Net operating income to assets | 0.5146% | 4,746 |
| Return on assets (ROA) | 0.5226% | 4,984 |
| Pretax return on assets | 0.8032% | 4,464 |
| Return on Equity (ROE) | 5.6262% | 4,511 |
| Retained earnings to average equity (ytd only) | 5.6262% | 2,911 |
| Net charge-offs to loans | 1.6378% | 567 |
| Credit loss provision to net charge-offs | 75.4638% | 3,445 |
| Earnings coverage of net charge-offs (x) | 1.4800% | 4,256 |
| Efficiency ratio | 68.9906% | 3,942 |
| Assets per employee ($millions) | 3.0518% | 5,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4462% | 4,263 |
| Loan loss allowance to noncurrent loans | 126.8387% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 0.9509% | 4,462 |
| Noncurrent loans to loans | 1.1402% | 4,248 |
| Net loans and leases to total assets | 65.1964% | 2,813 |
| Net loans and leases to deposits | 72.7355% | 3,494 |
| Net loans and leases to core deposits | 80.1527% | 3,193 |
| Total domestic deposits to total assets | 89.6349% | 1,139 |
| Equity capital to assets | 9.3267% | 5,284 |
| Core capital (leverage) ratio | 9.0307% | 4,865 |
| Tier 1 risk-based capital ratio | 14.2084% | 4,301 |
| Total risk-based capital ratio | 15.4618% | 4,261 |
| Memoranda: | ||
| Average total assets | $306,522,330 | 2,116 |
| Average earning assets | $284,689,670 | 2,093 |
| Average equity | $28,474,000 | 2,354 |
| Average total loans | $204,056,000 | 1,986 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2106% | 1,294 |
| Cost of funding earning assets | 0.7865% | 3,572 |
| Net interest margin | 4.4240% | 1,175 |
| Noninterest income to average assets | 1.1005% | 1,168 |
| Noninterest expense to average assets | 3.5751% | 1,614 |
| Loan and lease loss provision to assets | 0.8375% | 562 |
| Net operating income to assets | 0.7590% | 3,577 |
| Return on assets (ROA) | 0.7590% | 3,814 |
| Pretax return on assets | 0.7878% | 4,461 |
| Return on Equity (ROE) | 8.1872% | 3,201 |
| Retained earnings to average equity (ytd only) | 8.1872% | 1,914 |
| Net charge-offs to loans | 2.0791% | 441 |
| Credit loss provision to net charge-offs | 60.3205% | 3,104 |
| Earnings coverage of net charge-offs (x) | 1.1706% | 3,750 |
| Efficiency ratio | 68.7469% | 4,031 |
| Assets per employee ($millions) | 3.1492% | 5,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4462% | 4,395 |
| Loan loss allowance to noncurrent loans | 116.9121% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 1.2718% | 4,013 |
| Noncurrent loans to loans | 1.2370% | 4,269 |
| Net loans and leases to total assets | 64.8723% | 2,677 |
| Net loans and leases to deposits | 72.7192% | 3,314 |
| Net loans and leases to core deposits | 79.9349% | 3,078 |
| Total domestic deposits to total assets | 89.2094% | 1,554 |
| Equity capital to assets | 9.3516% | 5,028 |
| Core capital (leverage) ratio | 9.1688% | 4,571 |
| Tier 1 risk-based capital ratio | 14.1415% | 4,363 |
| Total risk-based capital ratio | 15.3946% | 4,326 |
| Memoranda: | ||
| Average total assets | $305,666,000 | 2,125 |
| Average earning assets | $283,271,000 | 2,111 |
| Average equity | $28,337,000 | 2,371 |
| Average total loans | $204,130,500 | 1,993 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5915% | 978 |
| Cost of funding earning assets | 0.9370% | 3,820 |
| Net interest margin | 4.6545% | 825 |
| Noninterest income to average assets | 1.0407% | 1,252 |
| Noninterest expense to average assets | 3.5519% | 1,859 |
| Loan and lease loss provision to assets | 1.0899% | 832 |
| Net operating income to assets | 0.4504% | 4,639 |
| Return on assets (ROA) | 0.4761% | 4,729 |
| Pretax return on assets | 0.6189% | 4,633 |
| Return on Equity (ROE) | 5.1436% | 4,319 |
| Retained earnings to average equity (ytd only) | 5.1436% | 2,537 |
| Net charge-offs to loans | 1.6096% | 981 |
| Credit loss provision to net charge-offs | 99.3504% | 3,597 |
| Earnings coverage of net charge-offs (x) | 1.5274% | 4,633 |
| Efficiency ratio | 67.9476% | 4,372 |
| Assets per employee ($millions) | 3.1533% | 5,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6376% | 3,430 |
| Loan loss allowance to noncurrent loans | 106.0960% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 1.4971% | 3,705 |
| Noncurrent loans to loans | 1.5435% | 3,839 |
| Net loans and leases to total assets | 66.6492% | 2,653 |
| Net loans and leases to deposits | 74.1959% | 3,464 |
| Net loans and leases to core deposits | 81.8270% | 3,203 |
| Total domestic deposits to total assets | 89.8286% | 1,082 |
| Equity capital to assets | 9.1879% | 5,311 |
| Core capital (leverage) ratio | 9.1101% | 4,599 |
| Tier 1 risk-based capital ratio | 13.6929% | 4,562 |
| Total risk-based capital ratio | 14.9486% | 4,517 |
| Memoranda: | ||
| Average total assets | $294,715,600 | 2,170 |
| Average earning assets | $265,099,400 | 2,208 |
| Average equity | $27,276,400 | 2,373 |
| Average total loans | $200,854,800 | 2,036 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6525% | 927 |
| Cost of funding earning assets | 0.9676% | 3,910 |
| Net interest margin | 4.6849% | 789 |
| Noninterest income to average assets | 1.0048% | 1,328 |
| Noninterest expense to average assets | 3.6503% | 1,597 |
| Loan and lease loss provision to assets | 0.7516% | 1,265 |
| Net operating income to assets | 0.6065% | 4,058 |
| Return on assets (ROA) | 0.6409% | 4,099 |
| Pretax return on assets | 0.8313% | 4,010 |
| Return on Equity (ROE) | 6.9115% | 3,569 |
| Retained earnings to average equity (ytd only) | 6.9115% | 2,023 |
| Net charge-offs to loans | 1.5956% | 886 |
| Credit loss provision to net charge-offs | 69.0088% | 4,512 |
| Earnings coverage of net charge-offs (x) | 1.4124% | 4,571 |
| Efficiency ratio | 70.3538% | 3,892 |
| Assets per employee ($millions) | 3.0898% | 5,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2867% | 5,067 |
| Loan loss allowance to noncurrent loans | 90.2222% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 1.4068% | 4,018 |
| Noncurrent loans to loans | 1.4262% | 4,151 |
| Net loans and leases to total assets | 68.2528% | 2,431 |
| Net loans and leases to deposits | 76.0797% | 3,317 |
| Net loans and leases to core deposits | 83.9275% | 3,074 |
| Total domestic deposits to total assets | 89.7123% | 1,032 |
| Equity capital to assets | 9.3279% | 5,337 |
| Core capital (leverage) ratio | 9.1754% | 4,666 |
| Tier 1 risk-based capital ratio | 13.8585% | 4,445 |
| Total risk-based capital ratio | 15.1101% | 4,405 |
| Memoranda: | ||
| Average total assets | $292,716,500 | 2,188 |
| Average earning assets | $261,401,500 | 2,236 |
| Average equity | $27,142,250 | 2,387 |
| Average total loans | $199,790,000 | 2,064 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6359% | 1,001 |
| Cost of funding earning assets | 0.9877% | 4,031 |
| Net interest margin | 4.6482% | 818 |
| Noninterest income to average assets | 0.9354% | 1,509 |
| Noninterest expense to average assets | 3.6786% | 1,570 |
| Loan and lease loss provision to assets | 0.7124% | 1,320 |
| Net operating income to assets | 0.7508% | 3,287 |
| Return on assets (ROA) | 0.8174% | 3,117 |
| Pretax return on assets | 0.7549% | 4,194 |
| Return on Equity (ROE) | 8.8331% | 2,583 |
| Retained earnings to average equity (ytd only) | 8.8331% | 1,161 |
| Net charge-offs to loans | 1.9159% | 709 |
| Credit loss provision to net charge-offs | 54.7180% | 4,465 |
| Earnings coverage of net charge-offs (x) | 1.0759% | 4,483 |
| Efficiency ratio | 72.4226% | 3,650 |
| Assets per employee ($millions) | 3.0294% | 6,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2496% | 5,313 |
| Loan loss allowance to noncurrent loans | 85.1114% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 1.4191% | 4,087 |
| Noncurrent loans to loans | 1.4682% | 4,218 |
| Net loans and leases to total assets | 67.1076% | 2,803 |
| Net loans and leases to deposits | 74.9091% | 3,660 |
| Net loans and leases to core deposits | 82.8853% | 3,377 |
| Total domestic deposits to total assets | 89.5854% | 1,190 |
| Equity capital to assets | 9.3927% | 4,988 |
| Core capital (leverage) ratio | 9.3218% | 4,219 |
| Tier 1 risk-based capital ratio | 14.0869% | 4,106 |
| Total risk-based capital ratio | 15.3378% | 4,078 |
| Memoranda: | ||
| Average total assets | $291,413,670 | 2,206 |
| Average earning assets | $259,797,670 | 2,254 |
| Average equity | $26,966,670 | 2,388 |
| Average total loans | $198,022,000 | 2,104 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6935% | 894 |
| Cost of funding earning assets | 1.0258% | 4,020 |
| Net interest margin | 4.6676% | 752 |
| Noninterest income to average assets | 0.8203% | 1,955 |
| Noninterest expense to average assets | 3.7938% | 1,346 |
| Loan and lease loss provision to assets | 0.8009% | 1,052 |
| Net operating income to assets | 0.5584% | 4,246 |
| Return on assets (ROA) | 0.6928% | 3,610 |
| Pretax return on assets | 0.5085% | 4,999 |
| Return on Equity (ROE) | 7.5450% | 3,130 |
| Retained earnings to average equity (ytd only) | 7.5450% | 1,920 |
| Net charge-offs to loans | 2.2023% | 553 |
| Credit loss provision to net charge-offs | 53.5185% | 3,682 |
| Earnings coverage of net charge-offs (x) | 0.7852% | 4,053 |
| Efficiency ratio | 76.3525% | 3,101 |
| Assets per employee ($millions) | 3.0050% | 6,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4745% | 4,326 |
| Loan loss allowance to noncurrent loans | 54.0673% | 4,765 |
| Noncurrent assets plus other real estate owned to assets | 2.2948% | 2,954 |
| Noncurrent loans to loans | 2.7271% | 2,769 |
| Net loans and leases to total assets | 65.9744% | 3,016 |
| Net loans and leases to deposits | 73.5378% | 3,839 |
| Net loans and leases to core deposits | 81.1460% | 3,582 |
| Total domestic deposits to total assets | 89.7149% | 1,347 |
| Equity capital to assets | 9.2168% | 4,849 |
| Core capital (leverage) ratio | 9.2741% | 4,161 |
| Tier 1 risk-based capital ratio | 14.0686% | 4,030 |
| Total risk-based capital ratio | 15.3218% | 4,003 |
| Memoranda: | ||
| Average total assets | $288,680,500 | 2,245 |
| Average earning assets | $256,575,000 | 2,298 |
| Average equity | $26,507,500 | 2,412 |
| Average total loans | $196,158,000 | 2,142 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8999% | 1,045 |
| Cost of funding earning assets | 1.3244% | 3,723 |
| Net interest margin | 4.5755% | 1,066 |
| Noninterest income to average assets | 1.0257% | 1,428 |
| Noninterest expense to average assets | 3.7347% | 1,618 |
| Loan and lease loss provision to assets | 0.4107% | 3,643 |
| Net operating income to assets | 0.7141% | 3,177 |
| Return on assets (ROA) | 0.7173% | 3,288 |
| Pretax return on assets | 0.9941% | 2,949 |
| Return on Equity (ROE) | 8.2748% | 2,592 |
| Retained earnings to average equity (ytd only) | 8.2748% | 895 |
| Net charge-offs to loans | 0.4168% | 3,955 |
| Credit loss provision to net charge-offs | 145.6760% | 2,531 |
| Earnings coverage of net charge-offs (x) | 4.9671% | 2,755 |
| Efficiency ratio | 72.7297% | 3,651 |
| Assets per employee ($millions) | 2.7488% | 6,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7146% | 3,159 |
| Loan loss allowance to noncurrent loans | 166.0118% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 1.3069% | 4,414 |
| Noncurrent loans to loans | 1.0328% | 5,003 |
| Net loans and leases to total assets | 67.7751% | 3,036 |
| Net loans and leases to deposits | 75.5396% | 3,912 |
| Net loans and leases to core deposits | 83.6102% | 3,650 |
| Total domestic deposits to total assets | 89.7213% | 1,259 |
| Equity capital to assets | 9.1471% | 4,924 |
| Core capital (leverage) ratio | 9.1230% | 4,312 |
| Tier 1 risk-based capital ratio | 13.8714% | 3,949 |
| Total risk-based capital ratio | 15.1281% | 3,924 |
| Memoranda: | ||
| Average total assets | $291,216,400 | 2,204 |
| Average earning assets | $261,544,600 | 2,239 |
| Average equity | $25,245,200 | 2,525 |
| Average total loans | $196,996,000 | 2,190 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8659% | 1,216 |
| Cost of funding earning assets | 1.3869% | 3,655 |
| Net interest margin | 4.4790% | 1,305 |
| Noninterest income to average assets | 1.0573% | 1,286 |
| Noninterest expense to average assets | 3.7134% | 1,540 |
| Loan and lease loss provision to assets | 0.3423% | 3,868 |
| Net operating income to assets | 0.7632% | 3,166 |
| Return on assets (ROA) | 0.7652% | 3,311 |
| Pretax return on assets | 1.0400% | 3,026 |
| Return on Equity (ROE) | 8.9476% | 2,510 |
| Retained earnings to average equity (ytd only) | 8.9476% | 1,071 |
| Net charge-offs to loans | 0.3351% | 3,978 |
| Credit loss provision to net charge-offs | 151.7172% | 2,561 |
| Earnings coverage of net charge-offs (x) | 6.1152% | 2,596 |
| Efficiency ratio | 72.9128% | 3,542 |
| Assets per employee ($millions) | 2.7508% | 6,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6433% | 3,352 |
| Loan loss allowance to noncurrent loans | 117.7681% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 1.6781% | 3,933 |
| Noncurrent loans to loans | 1.3954% | 4,525 |
| Net loans and leases to total assets | 67.5733% | 3,316 |
| Net loans and leases to deposits | 75.2163% | 4,313 |
| Net loans and leases to core deposits | 83.5794% | 4,009 |
| Total domestic deposits to total assets | 89.8386% | 955 |
| Equity capital to assets | 9.0763% | 5,478 |
| Core capital (leverage) ratio | 8.9294% | 4,805 |
| Tier 1 risk-based capital ratio | 13.6016% | 4,119 |
| Total risk-based capital ratio | 14.8574% | 4,061 |
| Memoranda: | ||
| Average total assets | $292,552,500 | 2,227 |
| Average earning assets | $263,594,000 | 2,262 |
| Average equity | $25,019,250 | 2,585 |
| Average total loans | $196,962,500 | 2,222 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7932% | 1,442 |
| Cost of funding earning assets | 1.4186% | 3,755 |
| Net interest margin | 4.3746% | 1,526 |
| Noninterest income to average assets | 1.0225% | 1,307 |
| Noninterest expense to average assets | 3.6659% | 1,635 |
| Loan and lease loss provision to assets | 0.2730% | 4,207 |
| Net operating income to assets | 0.7100% | 3,359 |
| Return on assets (ROA) | 0.7012% | 3,559 |
| Pretax return on assets | 1.0341% | 2,993 |
| Return on Equity (ROE) | 8.3671% | 2,730 |
| Retained earnings to average equity (ytd only) | 8.3671% | 1,306 |
| Net charge-offs to loans | 0.1537% | 4,715 |
| Credit loss provision to net charge-offs | 265.5629% | 1,429 |
| Earnings coverage of net charge-offs (x) | 12.8411% | 1,641 |
| Efficiency ratio | 73.5254% | 3,557 |
| Assets per employee ($millions) | 2.7284% | 6,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6445% | 3,273 |
| Loan loss allowance to noncurrent loans | 93.8311% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 1.9059% | 3,614 |
| Noncurrent loans to loans | 1.7527% | 4,055 |
| Net loans and leases to total assets | 66.0642% | 3,818 |
| Net loans and leases to deposits | 73.3145% | 4,792 |
| Net loans and leases to core deposits | 82.2842% | 4,379 |
| Total domestic deposits to total assets | 90.1107% | 865 |
| Equity capital to assets | 8.5791% | 6,045 |
| Core capital (leverage) ratio | 8.8078% | 4,900 |
| Tier 1 risk-based capital ratio | 13.4346% | 4,113 |
| Total risk-based capital ratio | 14.6906% | 4,073 |
| Memoranda: | ||
| Average total assets | $293,790,330 | 2,242 |
| Average earning assets | $266,174,670 | 2,260 |
| Average equity | $24,620,330 | 2,633 |
| Average total loans | $196,470,330 | 2,251 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8614% | 1,292 |
| Cost of funding earning assets | 1.4884% | 3,629 |
| Net interest margin | 4.3730% | 1,467 |
| Noninterest income to average assets | 0.7990% | 2,026 |
| Noninterest expense to average assets | 3.6093% | 1,716 |
| Loan and lease loss provision to assets | 0.2318% | 4,187 |
| Net operating income to assets | 0.6603% | 3,611 |
| Return on assets (ROA) | 0.6722% | 3,678 |
| Pretax return on assets | 0.9204% | 3,386 |
| Return on Equity (ROE) | 8.1184% | 2,824 |
| Retained earnings to average equity (ytd only) | 8.1184% | 1,658 |
| Net charge-offs to loans | 0.2820% | 3,284 |
| Credit loss provision to net charge-offs | 123.1884% | 2,840 |
| Earnings coverage of net charge-offs (x) | 6.0362% | 2,295 |
| Efficiency ratio | 76.0632% | 3,202 |
| Assets per employee ($millions) | 2.7567% | 6,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5499% | 3,663 |
| Loan loss allowance to noncurrent loans | 76.0391% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 2.3406% | 3,107 |
| Noncurrent loans to loans | 2.0382% | 3,730 |
| Net loans and leases to total assets | 66.6495% | 3,713 |
| Net loans and leases to deposits | 73.6969% | 4,791 |
| Net loans and leases to core deposits | 80.5667% | 4,691 |
| Total domestic deposits to total assets | 90.4374% | 771 |
| Equity capital to assets | 8.4667% | 6,049 |
| Core capital (leverage) ratio | 8.6327% | 5,151 |
| Tier 1 risk-based capital ratio | 13.1168% | 4,253 |
| Total risk-based capital ratio | 14.3708% | 4,213 |
| Memoranda: | ||
| Average total assets | $293,350,000 | 2,288 |
| Average earning assets | $264,715,000 | 2,315 |
| Average equity | $24,290,500 | 2,691 |
| Average total loans | $195,742,000 | 2,322 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2706% | 1,078 |
| Cost of funding earning assets | 2.0544% | 2,701 |
| Net interest margin | 4.2162% | 2,014 |
| Noninterest income to average assets | 1.0500% | 1,409 |
| Noninterest expense to average assets | 3.6021% | 2,141 |
| Loan and lease loss provision to assets | 1.7221% | 1,324 |
| Net operating income to assets | -0.1866% | 5,829 |
| Return on assets (ROA) | -0.1492% | 5,764 |
| Pretax return on assets | -0.4052% | 5,922 |
| Return on Equity (ROE) | -2.0663% | 5,868 |
| Retained earnings to average equity (ytd only) | -3.5328% | 5,799 |
| Net charge-offs to loans | 2.2492% | 1,050 |
| Credit loss provision to net charge-offs | 118.5332% | 4,546 |
| Earnings coverage of net charge-offs (x) | 0.8661% | 5,243 |
| Efficiency ratio | 74.1109% | 3,876 |
| Assets per employee ($millions) | 2.7780% | 6,699 |
| Cash dividends to net income (ytd only)* | -70.9751% | 7,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5368% | 3,542 |
| Loan loss allowance to noncurrent loans | 94.8548% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 2.0595% | 3,319 |
| Noncurrent loans to loans | 1.6202% | 4,219 |
| Net loans and leases to total assets | 64.7687% | 4,425 |
| Net loans and leases to deposits | 71.2167% | 5,439 |
| Net loans and leases to core deposits | 89.5611% | 5,178 |
| Total domestic deposits to total assets | 90.9460% | 552 |
| Equity capital to assets | 8.0989% | 6,462 |
| Core capital (leverage) ratio | 8.3718% | 5,498 |
| Tier 1 risk-based capital ratio | 13.3971% | 3,887 |
| Total risk-based capital ratio | 14.6522% | 3,825 |
| Memoranda: | ||
| Average total assets | $295,632,200 | 2,241 |
| Average earning assets | $267,184,800 | 2,265 |
| Average equity | $21,343,000 | 3,036 |
| Average total loans | $190,955,800 | 2,396 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3052% | 1,129 |
| Cost of funding earning assets | 2.1503% | 2,646 |
| Net interest margin | 4.1549% | 2,199 |
| Noninterest income to average assets | 1.0780% | 1,366 |
| Noninterest expense to average assets | 3.5181% | 2,235 |
| Loan and lease loss provision to assets | 1.9492% | 937 |
| Net operating income to assets | -0.4083% | 6,329 |
| Return on assets (ROA) | -0.3857% | 6,295 |
| Pretax return on assets | -0.5916% | 6,383 |
| Return on Equity (ROE) | -5.5113% | 6,502 |
| Retained earnings to average equity (ytd only) | -7.5376% | 6,551 |
| Net charge-offs to loans | 2.6355% | 686 |
| Credit loss provision to net charge-offs | 115.0320% | 4,414 |
| Earnings coverage of net charge-offs (x) | 0.7807% | 5,272 |
| Efficiency ratio | 72.6747% | 4,108 |
| Assets per employee ($millions) | 2.8669% | 6,493 |
| Cash dividends to net income (ytd only)* | -36.7684% | 7,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4461% | 3,711 |
| Loan loss allowance to noncurrent loans | 89.0209% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 1.8768% | 3,544 |
| Noncurrent loans to loans | 1.6244% | 4,208 |
| Net loans and leases to total assets | 64.0006% | 4,870 |
| Net loans and leases to deposits | 69.8022% | 5,943 |
| Net loans and leases to core deposits | 88.8281% | 5,548 |
| Total domestic deposits to total assets | 91.6885% | 228 |
| Equity capital to assets | 7.1089% | 7,546 |
| Core capital (leverage) ratio | 7.0332% | 7,411 |
| Tier 1 risk-based capital ratio | 11.2559% | 5,684 |
| Total risk-based capital ratio | 12.5106% | 5,628 |
| Memoranda: | ||
| Average total assets | $295,227,750 | 2,261 |
| Average earning assets | $267,371,500 | 2,271 |
| Average equity | $20,660,250 | 3,144 |
| Average total loans | $189,812,250 | 2,429 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3369% | 1,120 |
| Cost of funding earning assets | 2.2087% | 2,755 |
| Net interest margin | 4.1282% | 2,228 |
| Noninterest income to average assets | 1.0460% | 1,443 |
| Noninterest expense to average assets | 3.4613% | 2,457 |
| Loan and lease loss provision to assets | 2.7472% | 560 |
| Net operating income to assets | -1.5921% | 7,289 |
| Return on assets (ROA) | -1.5474% | 7,272 |
| Pretax return on assets | -1.3746% | 7,021 |
| Return on Equity (ROE) | -22.2291% | 7,566 |
| Retained earnings to average equity (ytd only) | -25.2753% | 7,597 |
| Net charge-offs to loans | 0.8268% | 2,039 |
| Credit loss provision to net charge-offs | 518.5422% | 892 |
| Earnings coverage of net charge-offs (x) | 2.5064% | 3,811 |
| Efficiency ratio | 72.2733% | 4,355 |
| Assets per employee ($millions) | 2.8055% | 6,614 |
| Cash dividends to net income (ytd only)* | -13.7040% | 7,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8358% | 658 |
| Loan loss allowance to noncurrent loans | 178.5086% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 1.8301% | 3,430 |
| Noncurrent loans to loans | 1.5886% | 4,113 |
| Net loans and leases to total assets | 61.9933% | 5,358 |
| Net loans and leases to deposits | 66.9263% | 6,301 |
| Net loans and leases to core deposits | 84.7496% | 6,028 |
| Total domestic deposits to total assets | 92.6292% | 128 |
| Equity capital to assets | 6.3022% | 7,865 |
| Core capital (leverage) ratio | 6.3291% | 7,849 |
| Tier 1 risk-based capital ratio | 10.0860% | 6,837 |
| Total risk-based capital ratio | 11.3580% | 6,740 |
| Memoranda: | ||
| Average total assets | $295,206,670 | 2,284 |
| Average earning assets | $267,668,670 | 2,289 |
| Average equity | $20,549,670 | 3,168 |
| Average total loans | $189,162,670 | 2,465 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3616% | 1,155 |
| Cost of funding earning assets | 2.2564% | 2,898 |
| Net interest margin | 4.1052% | 2,251 |
| Noninterest income to average assets | 1.0051% | 1,471 |
| Noninterest expense to average assets | 3.4849% | 2,142 |
| Loan and lease loss provision to assets | 0.2746% | 3,769 |
| Net operating income to assets | 0.7991% | 3,136 |
| Return on assets (ROA) | 0.7991% | 3,296 |
| Pretax return on assets | 0.9804% | 3,421 |
| Return on Equity (ROE) | 10.9414% | 1,983 |
| Retained earnings to average equity (ytd only) | 10.9414% | 983 |
| Net charge-offs to loans | 0.3549% | 2,667 |
| Credit loss provision to net charge-offs | 120.4819% | 3,267 |
| Earnings coverage of net charge-offs (x) | 5.5060% | 2,664 |
| Efficiency ratio | 73.5226% | 3,911 |
| Assets per employee ($millions) | 2.9136% | 6,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1959% | 4,836 |
| Loan loss allowance to noncurrent loans | 158.7403% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 1.4415% | 3,769 |
| Noncurrent loans to loans | 0.7534% | 5,543 |
| Net loans and leases to total assets | 62.3560% | 5,262 |
| Net loans and leases to deposits | 68.0471% | 6,183 |
| Net loans and leases to core deposits | 85.6008% | 5,937 |
| Total domestic deposits to total assets | 91.6365% | 244 |
| Equity capital to assets | 7.3638% | 7,443 |
| Core capital (leverage) ratio | 7.3187% | 7,362 |
| Tier 1 risk-based capital ratio | 11.5842% | 5,332 |
| Total risk-based capital ratio | 12.7877% | 5,268 |
| Memoranda: | ||
| Average total assets | $291,314,500 | 2,327 |
| Average earning assets | $265,029,500 | 2,324 |
| Average equity | $21,277,000 | 3,081 |
| Average total loans | $187,086,000 | 2,508 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9843% | 1,175 |
| Cost of funding earning assets | 2.6982% | 3,165 |
| Net interest margin | 4.2861% | 2,027 |
| Noninterest income to average assets | 1.1447% | 1,180 |
| Noninterest expense to average assets | 3.6710% | 2,005 |
| Loan and lease loss provision to assets | 1.0718% | 1,356 |
| Net operating income to assets | 0.2745% | 5,629 |
| Return on assets (ROA) | 0.2774% | 5,436 |
| Pretax return on assets | 0.2737% | 5,567 |
| Return on Equity (ROE) | 3.7548% | 4,916 |
| Retained earnings to average equity (ytd only) | 1.7063% | 4,196 |
| Net charge-offs to loans | 1.7600% | 626 |
| Credit loss provision to net charge-offs | 88.2966% | 5,714 |
| Earnings coverage of net charge-offs (x) | 1.1060% | 5,570 |
| Efficiency ratio | 73.2216% | 3,706 |
| Assets per employee ($millions) | 2.8545% | 6,432 |
| Cash dividends to net income (ytd only)* | 54.5576% | 2,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1837% | 4,675 |
| Loan loss allowance to noncurrent loans | 165.4682% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 1.4808% | 3,259 |
| Noncurrent loans to loans | 0.7154% | 5,245 |
| Net loans and leases to total assets | 64.6037% | 5,150 |
| Net loans and leases to deposits | 70.4068% | 6,231 |
| Net loans and leases to core deposits | 86.0815% | 6,129 |
| Total domestic deposits to total assets | 91.7578% | 167 |
| Equity capital to assets | 7.2413% | 7,598 |
| Core capital (leverage) ratio | 7.3724% | 7,336 |
| Tier 1 risk-based capital ratio | 11.2811% | 5,455 |
| Total risk-based capital ratio | 12.4856% | 5,383 |
| Memoranda: | ||
| Average total assets | $268,889,200 | 2,392 |
| Average earning assets | $242,716,000 | 2,426 |
| Average equity | $19,867,800 | 3,252 |
| Average total loans | $185,452,600 | 2,448 |