Home > The Village Bank > Performance and Condition Ratios
The Village Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8551% | 3,363 |
| Cost of funding earning assets | 2.8153% | 477 |
| Net interest margin | 2.0398% | 4,280 |
| Noninterest income to average assets | 0.1700% | 3,735 |
| Noninterest expense to average assets | 1.7169% | 4,015 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.3289% | 3,826 |
| Return on assets (ROA) | 0.3307% | 3,848 |
| Pretax return on assets | 0.4112% | 3,826 |
| Return on Equity (ROE) | 4.2700% | 3,676 |
| Retained earnings to average equity (ytd only) | 4.2656% | 2,784 |
| Net charge-offs to loans | 0.0024% | 2,217 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 205.7000% | 413 |
| Efficiency ratio | 80.7595% | 902 |
| Assets per employee ($millions) | 14.8436% | 236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4777% | 4,274 |
| Loan loss allowance to noncurrent loans | 794.7633% | 831 |
| Noncurrent assets plus other real estate owned to assets | 0.0488% | 3,332 |
| Noncurrent loans to loans | 0.0601% | 3,379 |
| Net loans and leases to total assets | 80.8500% | 518 |
| Net loans and leases to deposits | 95.0768% | 689 |
| Net loans and leases to core deposits | 132.9877% | 299 |
| Total domestic deposits to total assets | 85.0400% | 2,610 |
| Equity capital to assets | 7.8073% | 3,689 |
| Core capital (leverage) ratio | 8.9864% | 3,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0855% | 1,494 |
| Memoranda: | ||
| Average total assets | $2,011,574,500 | 593 |
| Average earning assets | $1,931,333,500 | 567 |
| Average equity | $155,946,000 | 720 |
| Average total loans | $1,635,204,000 | 521 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7940% | 3,435 |
| Cost of funding earning assets | 3.0747% | 425 |
| Net interest margin | 1.7193% | 4,347 |
| Noninterest income to average assets | 0.1600% | 3,940 |
| Noninterest expense to average assets | 1.8053% | 3,945 |
| Loan and lease loss provision to assets | -0.0200% | 4,147 |
| Net operating income to assets | 0.0141% | 4,154 |
| Return on assets (ROA) | 0.0138% | 4,183 |
| Pretax return on assets | 0.0209% | 4,166 |
| Return on Equity (ROE) | 0.1800% | 4,171 |
| Retained earnings to average equity (ytd only) | 0.1784% | 3,858 |
| Net charge-offs to loans | -0.0003% | 3,686 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 99.9832% | 284 |
| Assets per employee ($millions) | 14.5225% | 242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4882% | 4,284 |
| Loan loss allowance to noncurrent loans | 498.4858% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.0797% | 3,117 |
| Noncurrent loans to loans | 0.0979% | 3,147 |
| Net loans and leases to total assets | 80.9500% | 540 |
| Net loans and leases to deposits | 94.7219% | 805 |
| Net loans and leases to core deposits | 134.3605% | 313 |
| Total domestic deposits to total assets | 85.4600% | 2,383 |
| Equity capital to assets | 7.6964% | 3,676 |
| Core capital (leverage) ratio | 9.1259% | 3,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4519% | 1,402 |
| Memoranda: | ||
| Average total assets | $1,978,000,000 | 590 |
| Average earning assets | $1,894,672,800 | 567 |
| Average equity | $153,003,000 | 705 |
| Average total loans | $1,593,515,600 | 513 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7615% | 3,445 |
| Cost of funding earning assets | 3.0863% | 436 |
| Net interest margin | 1.6752% | 4,383 |
| Noninterest income to average assets | 0.1600% | 3,942 |
| Noninterest expense to average assets | 1.8028% | 3,922 |
| Loan and lease loss provision to assets | -0.0200% | 4,186 |
| Net operating income to assets | -0.0277% | 4,250 |
| Return on assets (ROA) | -0.0268% | 4,267 |
| Pretax return on assets | -0.0184% | 4,250 |
| Return on Equity (ROE) | -0.3500% | 4,251 |
| Retained earnings to average equity (ytd only) | -0.3460% | 4,059 |
| Net charge-offs to loans | -0.0005% | 3,589 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 102.3101% | 245 |
| Assets per employee ($millions) | 13.2714% | 317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4949% | 4,311 |
| Loan loss allowance to noncurrent loans | 606.0652% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.0658% | 3,261 |
| Noncurrent loans to loans | 0.0817% | 3,278 |
| Net loans and leases to total assets | 80.2100% | 602 |
| Net loans and leases to deposits | 95.9301% | 732 |
| Net loans and leases to core deposits | 136.3909% | 294 |
| Total domestic deposits to total assets | 83.6100% | 2,694 |
| Equity capital to assets | 7.9199% | 3,757 |
| Core capital (leverage) ratio | 9.1128% | 3,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3149% | 1,460 |
| Memoranda: | ||
| Average total assets | $1,975,104,750 | 584 |
| Average earning assets | $1,891,019,250 | 559 |
| Average equity | $152,972,250 | 698 |
| Average total loans | $1,587,302,500 | 507 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6968% | 3,487 |
| Cost of funding earning assets | 3.0454% | 439 |
| Net interest margin | 1.6514% | 4,403 |
| Noninterest income to average assets | 0.1600% | 3,924 |
| Noninterest expense to average assets | 1.8092% | 3,923 |
| Loan and lease loss provision to assets | -0.0100% | 4,151 |
| Net operating income to assets | -0.0112% | 4,259 |
| Return on assets (ROA) | -0.0120% | 4,285 |
| Pretax return on assets | -0.0654% | 4,302 |
| Return on Equity (ROE) | -0.1600% | 4,266 |
| Retained earnings to average equity (ytd only) | -0.1562% | 3,935 |
| Net charge-offs to loans | -0.0006% | 3,530 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 104.0740% | 233 |
| Assets per employee ($millions) | 11.1818% | 511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5089% | 4,319 |
| Loan loss allowance to noncurrent loans | 354.4737% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.1152% | 2,884 |
| Noncurrent loans to loans | 0.1436% | 2,934 |
| Net loans and leases to total assets | 79.8400% | 694 |
| Net loans and leases to deposits | 94.3649% | 910 |
| Net loans and leases to core deposits | 131.9819% | 373 |
| Total domestic deposits to total assets | 84.6100% | 2,432 |
| Equity capital to assets | 7.6299% | 3,656 |
| Core capital (leverage) ratio | 9.2893% | 3,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4574% | 1,404 |
| Memoranda: | ||
| Average total assets | $1,965,477,333 | 586 |
| Average earning assets | $1,880,327,333 | 563 |
| Average equity | $151,058,333 | 703 |
| Average total loans | $1,577,941,667 | 511 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6853% | 3,358 |
| Cost of funding earning assets | 2.9928% | 434 |
| Net interest margin | 1.6925% | 4,424 |
| Noninterest income to average assets | 0.1600% | 3,893 |
| Noninterest expense to average assets | 1.7790% | 3,983 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.0384% | 4,192 |
| Return on assets (ROA) | 0.0370% | 4,233 |
| Pretax return on assets | 0.0029% | 4,243 |
| Return on Equity (ROE) | 0.4800% | 4,203 |
| Retained earnings to average equity (ytd only) | 0.4792% | 3,597 |
| Net charge-offs to loans | -0.0005% | 3,413 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 99.7938% | 299 |
| Assets per employee ($millions) | 12.4775% | 370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5148% | 4,308 |
| Loan loss allowance to noncurrent loans | 321.5372% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.1283% | 2,783 |
| Noncurrent loans to loans | 0.1601% | 2,819 |
| Net loans and leases to total assets | 79.7400% | 650 |
| Net loans and leases to deposits | 90.9998% | 1,125 |
| Net loans and leases to core deposits | 127.8598% | 453 |
| Total domestic deposits to total assets | 87.6300% | 1,561 |
| Equity capital to assets | 7.6845% | 3,569 |
| Core capital (leverage) ratio | 9.3231% | 3,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7485% | 1,344 |
| Memoranda: | ||
| Average total assets | $1,958,631,000 | 599 |
| Average earning assets | $1,873,956,000 | 573 |
| Average equity | $151,083,000 | 708 |
| Average total loans | $1,572,789,000 | 517 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3966% | 3,280 |
| Cost of funding earning assets | 2.4530% | 409 |
| Net interest margin | 1.9435% | 4,428 |
| Noninterest income to average assets | 0.1500% | 4,057 |
| Noninterest expense to average assets | 1.8668% | 3,896 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.1412% | 4,217 |
| Return on assets (ROA) | 0.1417% | 4,242 |
| Pretax return on assets | 0.1498% | 4,240 |
| Return on Equity (ROE) | 1.8700% | 4,170 |
| Retained earnings to average equity (ytd only) | 1.8650% | 3,608 |
| Net charge-offs to loans | 0.0003% | 2,898 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 574.8000% | 257 |
| Efficiency ratio | 92.5937% | 344 |
| Assets per employee ($millions) | 13.7817% | 270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5040% | 4,329 |
| Loan loss allowance to noncurrent loans | 294.5448% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 0.1377% | 2,601 |
| Noncurrent loans to loans | 0.1711% | 2,665 |
| Net loans and leases to total assets | 80.0400% | 637 |
| Net loans and leases to deposits | 94.0248% | 938 |
| Net loans and leases to core deposits | 132.4965% | 368 |
| Total domestic deposits to total assets | 85.1300% | 2,273 |
| Equity capital to assets | 7.7426% | 3,579 |
| Core capital (leverage) ratio | 9.3344% | 3,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3322% | 1,433 |
| Memoranda: | ||
| Average total assets | $1,924,702,600 | 593 |
| Average earning assets | $1,847,558,200 | 563 |
| Average equity | $146,216,600 | 687 |
| Average total loans | $1,550,141,800 | 504 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3177% | 3,259 |
| Cost of funding earning assets | 2.3005% | 409 |
| Net interest margin | 2.0172% | 4,435 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 1.8849% | 3,829 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.1798% | 4,253 |
| Return on assets (ROA) | 0.1785% | 4,270 |
| Pretax return on assets | 0.2013% | 4,261 |
| Return on Equity (ROE) | 2.3600% | 4,162 |
| Retained earnings to average equity (ytd only) | 2.3610% | 3,656 |
| Net charge-offs to loans | 0.0001% | 2,664 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 2,910.0000% | 39 |
| Efficiency ratio | 90.2861% | 363 |
| Assets per employee ($millions) | 13.7127% | 257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6407% | 4,212 |
| Loan loss allowance to noncurrent loans | 387.6964% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.1340% | 2,667 |
| Noncurrent loans to loans | 0.1653% | 2,718 |
| Net loans and leases to total assets | 80.5600% | 585 |
| Net loans and leases to deposits | 92.2325% | 1,032 |
| Net loans and leases to core deposits | 125.8056% | 420 |
| Total domestic deposits to total assets | 87.3400% | 1,784 |
| Equity capital to assets | 7.2480% | 3,487 |
| Core capital (leverage) ratio | 9.3161% | 3,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2092% | 1,502 |
| Memoranda: | ||
| Average total assets | $1,913,183,500 | 596 |
| Average earning assets | $1,837,484,250 | 565 |
| Average equity | $144,623,500 | 687 |
| Average total loans | $1,541,322,250 | 509 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2194% | 3,257 |
| Cost of funding earning assets | 2.1515% | 371 |
| Net interest margin | 2.0679% | 4,470 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 1.9029% | 3,816 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.2039% | 4,272 |
| Return on assets (ROA) | 0.2039% | 4,294 |
| Pretax return on assets | 0.2372% | 4,281 |
| Return on Equity (ROE) | 2.6600% | 4,201 |
| Retained earnings to average equity (ytd only) | 2.6600% | 3,563 |
| Net charge-offs to loans | -0.0001% | 3,373 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 88.9145% | 388 |
| Assets per employee ($millions) | 13.2690% | 280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6500% | 4,240 |
| Loan loss allowance to noncurrent loans | 475.4699% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.1106% | 2,768 |
| Noncurrent loans to loans | 0.1367% | 2,786 |
| Net loans and leases to total assets | 80.3800% | 596 |
| Net loans and leases to deposits | 88.2850% | 1,316 |
| Net loans and leases to core deposits | 114.9670% | 655 |
| Total domestic deposits to total assets | 91.0400% | 638 |
| Equity capital to assets | 7.5822% | 3,477 |
| Core capital (leverage) ratio | 9.3967% | 3,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5844% | 1,412 |
| Memoranda: | ||
| Average total assets | $1,901,842,333 | 585 |
| Average earning assets | $1,828,839,000 | 555 |
| Average equity | $145,787,000 | 677 |
| Average total loans | $1,528,836,667 | 500 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1478% | 3,145 |
| Cost of funding earning assets | 2.0204% | 288 |
| Net interest margin | 2.1275% | 4,525 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 1.9622% | 3,707 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.2058% | 4,352 |
| Return on assets (ROA) | 0.2077% | 4,315 |
| Pretax return on assets | 0.2433% | 4,303 |
| Return on Equity (ROE) | 2.7000% | 4,220 |
| Retained earnings to average equity (ytd only) | 2.6952% | 3,569 |
| Net charge-offs to loans | -0.0003% | 3,261 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 89.0628% | 387 |
| Assets per employee ($millions) | 14.1884% | 237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6636% | 4,285 |
| Loan loss allowance to noncurrent loans | 616.8902% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.0856% | 2,946 |
| Noncurrent loans to loans | 0.1076% | 2,988 |
| Net loans and leases to total assets | 79.0600% | 634 |
| Net loans and leases to deposits | 86.0107% | 1,350 |
| Net loans and leases to core deposits | 108.9656% | 737 |
| Total domestic deposits to total assets | 91.9200% | 535 |
| Equity capital to assets | 7.7927% | 3,389 |
| Core capital (leverage) ratio | 9.5041% | 3,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7993% | 1,419 |
| Memoranda: | ||
| Average total assets | $1,890,759,000 | 604 |
| Average earning assets | $1,818,880,000 | 574 |
| Average equity | $145,739,500 | 691 |
| Average total loans | $1,514,956,000 | 516 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6392% | 2,684 |
| Cost of funding earning assets | 0.7352% | 500 |
| Net interest margin | 2.9040% | 3,668 |
| Noninterest income to average assets | 0.1600% | 4,171 |
| Noninterest expense to average assets | 1.8208% | 3,987 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.8241% | 3,240 |
| Return on assets (ROA) | 0.8202% | 3,190 |
| Pretax return on assets | 1.0981% | 2,777 |
| Return on Equity (ROE) | 9.7600% | 2,882 |
| Retained earnings to average equity (ytd only) | 9.7605% | 1,226 |
| Net charge-offs to loans | 0.0013% | 2,518 |
| Credit loss provision to net charge-offs | 2,777.7778% | 202 |
| Earnings coverage of net charge-offs (x) | 1,097.4444% | 167 |
| Efficiency ratio | 61.6703% | 2,813 |
| Assets per employee ($millions) | 14.0307% | 243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6720% | 4,248 |
| Loan loss allowance to noncurrent loans | 836.7246% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.0648% | 3,152 |
| Noncurrent loans to loans | 0.0803% | 3,185 |
| Net loans and leases to total assets | 80.1300% | 579 |
| Net loans and leases to deposits | 90.1118% | 1,047 |
| Net loans and leases to core deposits | 112.2222% | 542 |
| Total domestic deposits to total assets | 88.9200% | 1,742 |
| Equity capital to assets | 7.6211% | 3,315 |
| Core capital (leverage) ratio | 9.8232% | 2,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6509% | 1,444 |
| Memoranda: | ||
| Average total assets | $1,745,512,800 | 622 |
| Average earning assets | $1,677,636,600 | 595 |
| Average equity | $146,672,200 | 690 |
| Average total loans | $1,344,166,600 | 525 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5253% | 2,529 |
| Cost of funding earning assets | 0.4759% | 856 |
| Net interest margin | 3.0493% | 3,081 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 1.8475% | 3,881 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.9009% | 2,859 |
| Return on assets (ROA) | 0.8955% | 2,861 |
| Pretax return on assets | 1.2040% | 2,350 |
| Return on Equity (ROE) | 10.3900% | 2,613 |
| Retained earnings to average equity (ytd only) | 10.3940% | 1,226 |
| Net charge-offs to loans | 0.0016% | 2,248 |
| Credit loss provision to net charge-offs | 3,125.0000% | 176 |
| Earnings coverage of net charge-offs (x) | 1,004.8750% | 153 |
| Efficiency ratio | 59.6507% | 3,158 |
| Assets per employee ($millions) | 13.1773% | 289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7116% | 4,230 |
| Loan loss allowance to noncurrent loans | 623.0911% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 0.0913% | 3,026 |
| Noncurrent loans to loans | 0.1142% | 3,075 |
| Net loans and leases to total assets | 79.3600% | 587 |
| Net loans and leases to deposits | 89.7749% | 903 |
| Net loans and leases to core deposits | 111.8593% | 414 |
| Total domestic deposits to total assets | 88.4000% | 2,307 |
| Equity capital to assets | 7.7651% | 3,042 |
| Core capital (leverage) ratio | 9.9707% | 2,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9135% | 1,453 |
| Memoranda: | ||
| Average total assets | $1,715,369,750 | 636 |
| Average earning assets | $1,648,885,000 | 605 |
| Average equity | $147,786,250 | 691 |
| Average total loans | $1,303,862,000 | 531 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3830% | 2,484 |
| Cost of funding earning assets | 0.3083% | 1,646 |
| Net interest margin | 3.0746% | 2,630 |
| Noninterest income to average assets | 0.1698% | 4,162 |
| Noninterest expense to average assets | 1.8866% | 3,737 |
| Loan and lease loss provision to assets | 0.0295% | 2,060 |
| Net operating income to assets | 0.9015% | 2,575 |
| Return on assets (ROA) | 0.8960% | 2,575 |
| Pretax return on assets | 1.2061% | 2,057 |
| Return on Equity (ROE) | 10.0528% | 2,317 |
| Retained earnings to average equity (ytd only) | 10.0528% | 1,002 |
| Net charge-offs to loans | 0.0017% | 2,054 |
| Credit loss provision to net charge-offs | 2,272.7273% | 222 |
| Earnings coverage of net charge-offs (x) | 956.9091% | 135 |
| Efficiency ratio | 60.2897% | 3,265 |
| Assets per employee ($millions) | 12.6153% | 317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7294% | 4,287 |
| Loan loss allowance to noncurrent loans | 947.6967% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.0607% | 3,371 |
| Noncurrent loans to loans | 0.0770% | 3,400 |
| Net loans and leases to total assets | 78.3316% | 532 |
| Net loans and leases to deposits | 88.4529% | 803 |
| Net loans and leases to core deposits | 108.0911% | 394 |
| Total domestic deposits to total assets | 88.5574% | 2,355 |
| Equity capital to assets | 8.3312% | 2,882 |
| Core capital (leverage) ratio | 10.1852% | 2,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0952% | 1,415 |
| Memoranda: | ||
| Average total assets | $1,694,183,000 | 640 |
| Average earning assets | $1,630,704,000 | 613 |
| Average equity | $151,003,333 | 686 |
| Average total loans | $1,264,494,667 | 541 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2742% | 2,461 |
| Cost of funding earning assets | 0.2966% | 1,687 |
| Net interest margin | 2.9776% | 2,575 |
| Noninterest income to average assets | 0.1758% | 4,121 |
| Noninterest expense to average assets | 1.9448% | 3,564 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8197% | 2,596 |
| Return on assets (ROA) | 0.8131% | 2,615 |
| Pretax return on assets | 1.0918% | 2,171 |
| Return on Equity (ROE) | 8.8289% | 2,379 |
| Retained earnings to average equity (ytd only) | 8.8289% | 1,319 |
| Net charge-offs to loans | -0.0013% | 3,041 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8705% | 3,041 |
| Assets per employee ($millions) | 12.7743% | 326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7763% | 4,283 |
| Loan loss allowance to noncurrent loans | 1,124.7375% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.0508% | 3,534 |
| Noncurrent loans to loans | 0.0690% | 3,507 |
| Net loans and leases to total assets | 73.0630% | 729 |
| Net loans and leases to deposits | 80.4852% | 1,106 |
| Net loans and leases to core deposits | 97.1150% | 609 |
| Total domestic deposits to total assets | 90.7782% | 1,146 |
| Equity capital to assets | 8.8968% | 2,802 |
| Core capital (leverage) ratio | 9.9152% | 2,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8845% | 1,293 |
| Memoranda: | ||
| Average total assets | $1,683,435,500 | 644 |
| Average earning assets | $1,622,125,000 | 615 |
| Average equity | $155,037,000 | 695 |
| Average total loans | $1,219,845,500 | 551 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3489% | 3,054 |
| Cost of funding earning assets | 0.4543% | 1,167 |
| Net interest margin | 2.8946% | 3,455 |
| Noninterest income to average assets | 0.1774% | 4,265 |
| Noninterest expense to average assets | 1.8253% | 4,093 |
| Loan and lease loss provision to assets | 0.0031% | 3,016 |
| Net operating income to assets | 0.8449% | 3,204 |
| Return on assets (ROA) | 0.8605% | 3,220 |
| Pretax return on assets | 1.1526% | 2,809 |
| Return on Equity (ROE) | 8.9452% | 2,931 |
| Retained earnings to average equity (ytd only) | 8.9452% | 1,219 |
| Net charge-offs to loans | 0.0030% | 2,510 |
| Credit loss provision to net charge-offs | 142.8571% | 1,522 |
| Earnings coverage of net charge-offs (x) | 522.5714% | 266 |
| Efficiency ratio | 61.6385% | 2,917 |
| Assets per employee ($millions) | 12.5422% | 350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8042% | 4,260 |
| Loan loss allowance to noncurrent loans | 563.4503% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.1017% | 3,225 |
| Noncurrent loans to loans | 0.1427% | 3,224 |
| Net loans and leases to total assets | 70.7115% | 959 |
| Net loans and leases to deposits | 78.5722% | 1,346 |
| Net loans and leases to core deposits | 94.0986% | 777 |
| Total domestic deposits to total assets | 89.9956% | 960 |
| Equity capital to assets | 9.5234% | 3,126 |
| Core capital (leverage) ratio | 9.7964% | 2,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2744% | 1,196 |
| Memoranda: | ||
| Average total assets | $1,610,074,200 | 645 |
| Average earning assets | $1,548,471,600 | 622 |
| Average equity | $154,887,000 | 696 |
| Average total loans | $1,150,833,000 | 577 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3520% | 3,240 |
| Cost of funding earning assets | 0.4885% | 1,110 |
| Net interest margin | 2.8636% | 3,628 |
| Noninterest income to average assets | 0.1773% | 4,315 |
| Noninterest expense to average assets | 1.8645% | 4,023 |
| Loan and lease loss provision to assets | 0.0042% | 2,889 |
| Net operating income to assets | 0.7926% | 3,541 |
| Return on assets (ROA) | 0.8141% | 3,559 |
| Pretax return on assets | 1.0870% | 3,224 |
| Return on Equity (ROE) | 8.4402% | 3,273 |
| Retained earnings to average equity (ytd only) | 8.4402% | 1,897 |
| Net charge-offs to loans | 0.0009% | 2,420 |
| Credit loss provision to net charge-offs | 625.0000% | 690 |
| Earnings coverage of net charge-offs (x) | 1,588.5000% | 91 |
| Efficiency ratio | 63.6676% | 2,440 |
| Assets per employee ($millions) | 12.9161% | 310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8221% | 4,317 |
| Loan loss allowance to noncurrent loans | 372.4749% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.1569% | 3,074 |
| Noncurrent loans to loans | 0.2207% | 3,068 |
| Net loans and leases to total assets | 70.5036% | 1,034 |
| Net loans and leases to deposits | 78.3509% | 1,453 |
| Net loans and leases to core deposits | 94.8682% | 795 |
| Total domestic deposits to total assets | 89.9844% | 780 |
| Equity capital to assets | 9.5788% | 3,307 |
| Core capital (leverage) ratio | 9.6604% | 2,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1975% | 1,312 |
| Memoranda: | ||
| Average total assets | $1,592,428,500 | 658 |
| Average earning assets | $1,529,936,000 | 634 |
| Average equity | $153,595,000 | 711 |
| Average total loans | $1,139,028,000 | 596 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3501% | 3,308 |
| Cost of funding earning assets | 0.5297% | 1,034 |
| Net interest margin | 2.8204% | 3,748 |
| Noninterest income to average assets | 0.1809% | 4,297 |
| Noninterest expense to average assets | 1.9097% | 3,941 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7328% | 3,677 |
| Return on assets (ROA) | 0.7656% | 3,670 |
| Pretax return on assets | 1.0181% | 3,404 |
| Return on Equity (ROE) | 7.9181% | 3,431 |
| Retained earnings to average equity (ytd only) | 7.9181% | 2,108 |
| Net charge-offs to loans | 0.0020% | 2,138 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 697.9091% | 199 |
| Efficiency ratio | 66.1642% | 2,130 |
| Assets per employee ($millions) | 12.0313% | 347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8391% | 4,301 |
| Loan loss allowance to noncurrent loans | 336.6503% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.1757% | 3,087 |
| Noncurrent loans to loans | 0.2492% | 3,054 |
| Net loans and leases to total assets | 69.9082% | 1,206 |
| Net loans and leases to deposits | 77.6753% | 1,665 |
| Net loans and leases to core deposits | 93.6323% | 922 |
| Total domestic deposits to total assets | 90.0006% | 775 |
| Equity capital to assets | 9.4812% | 3,349 |
| Core capital (leverage) ratio | 9.6803% | 2,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2420% | 1,278 |
| Memoranda: | ||
| Average total assets | $1,572,150,667 | 659 |
| Average earning assets | $1,508,061,333 | 630 |
| Average equity | $152,006,000 | 712 |
| Average total loans | $1,126,947,000 | 603 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5009% | 2,925 |
| Cost of funding earning assets | 0.5682% | 1,013 |
| Net interest margin | 2.9327% | 3,432 |
| Noninterest income to average assets | 0.1881% | 4,255 |
| Noninterest expense to average assets | 2.0110% | 3,684 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7394% | 3,601 |
| Return on assets (ROA) | 0.8056% | 3,476 |
| Pretax return on assets | 1.0703% | 3,192 |
| Return on Equity (ROE) | 8.2484% | 3,253 |
| Retained earnings to average equity (ytd only) | 8.2484% | 2,163 |
| Net charge-offs to loans | -0.0018% | 3,118 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0896% | 2,059 |
| Assets per employee ($millions) | 12.3209% | 319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8622% | 4,264 |
| Loan loss allowance to noncurrent loans | 214.2698% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 0.2871% | 2,711 |
| Noncurrent loans to loans | 0.4024% | 2,660 |
| Net loans and leases to total assets | 70.7296% | 1,191 |
| Net loans and leases to deposits | 78.6881% | 1,647 |
| Net loans and leases to core deposits | 96.1921% | 871 |
| Total domestic deposits to total assets | 89.8860% | 873 |
| Equity capital to assets | 9.6308% | 3,064 |
| Core capital (leverage) ratio | 9.8987% | 2,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4228% | 1,190 |
| Memoranda: | ||
| Average total assets | $1,546,115,500 | 662 |
| Average earning assets | $1,481,105,000 | 637 |
| Average equity | $151,011,000 | 708 |
| Average total loans | $1,117,884,500 | 608 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8247% | 3,235 |
| Cost of funding earning assets | 0.9354% | 754 |
| Net interest margin | 2.8894% | 4,128 |
| Noninterest income to average assets | 0.1762% | 4,405 |
| Noninterest expense to average assets | 1.9166% | 4,294 |
| Loan and lease loss provision to assets | 0.0369% | 3,949 |
| Net operating income to assets | 0.7532% | 3,256 |
| Return on assets (ROA) | 0.7784% | 3,298 |
| Pretax return on assets | 1.0244% | 2,960 |
| Return on Equity (ROE) | 7.5307% | 2,987 |
| Retained earnings to average equity (ytd only) | 7.5307% | 1,189 |
| Net charge-offs to loans | 0.0104% | 2,949 |
| Credit loss provision to net charge-offs | 456.1404% | 1,323 |
| Earnings coverage of net charge-offs (x) | 127.3070% | 670 |
| Efficiency ratio | 65.0542% | 2,672 |
| Assets per employee ($millions) | 11.5718% | 355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8594% | 4,297 |
| Loan loss allowance to noncurrent loans | 133.3703% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 0.4722% | 2,145 |
| Noncurrent loans to loans | 0.6444% | 2,068 |
| Net loans and leases to total assets | 72.6545% | 1,207 |
| Net loans and leases to deposits | 81.0660% | 1,758 |
| Net loans and leases to core deposits | 100.4439% | 881 |
| Total domestic deposits to total assets | 89.6239% | 714 |
| Equity capital to assets | 9.9067% | 3,213 |
| Core capital (leverage) ratio | 10.0405% | 2,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0144% | 1,258 |
| Memoranda: | ||
| Average total assets | $1,409,636,400 | 654 |
| Average earning assets | $1,351,361,400 | 623 |
| Average equity | $145,696,000 | 692 |
| Average total loans | $1,100,733,200 | 581 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9166% | 3,200 |
| Cost of funding earning assets | 1.0116% | 732 |
| Net interest margin | 2.9050% | 4,175 |
| Noninterest income to average assets | 0.1762% | 4,409 |
| Noninterest expense to average assets | 1.9684% | 4,219 |
| Loan and lease loss provision to assets | 0.0406% | 3,841 |
| Net operating income to assets | 0.7293% | 3,357 |
| Return on assets (ROA) | 0.7640% | 3,349 |
| Pretax return on assets | 1.0009% | 3,068 |
| Return on Equity (ROE) | 7.3083% | 3,090 |
| Retained earnings to average equity (ytd only) | 7.3083% | 1,584 |
| Net charge-offs to loans | 0.0144% | 2,605 |
| Credit loss provision to net charge-offs | 355.9322% | 1,592 |
| Earnings coverage of net charge-offs (x) | 87.5085% | 868 |
| Efficiency ratio | 66.3670% | 2,422 |
| Assets per employee ($millions) | 11.2803% | 368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8575% | 4,205 |
| Loan loss allowance to noncurrent loans | 208.1365% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.3142% | 2,899 |
| Noncurrent loans to loans | 0.4120% | 2,819 |
| Net loans and leases to total assets | 75.6092% | 1,144 |
| Net loans and leases to deposits | 84.6262% | 1,843 |
| Net loans and leases to core deposits | 106.1761% | 840 |
| Total domestic deposits to total assets | 89.3449% | 634 |
| Equity capital to assets | 10.2117% | 3,053 |
| Core capital (leverage) ratio | 10.2272% | 2,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1999% | 1,207 |
| Memoranda: | ||
| Average total assets | $1,380,176,000 | 649 |
| Average earning assets | $1,325,405,500 | 616 |
| Average equity | $144,289,250 | 689 |
| Average total loans | $1,096,066,250 | 579 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0361% | 3,237 |
| Cost of funding earning assets | 1.0959% | 726 |
| Net interest margin | 2.9402% | 4,243 |
| Noninterest income to average assets | 0.1781% | 4,399 |
| Noninterest expense to average assets | 2.0450% | 4,140 |
| Loan and lease loss provision to assets | 0.0325% | 3,859 |
| Net operating income to assets | 0.7049% | 3,381 |
| Return on assets (ROA) | 0.7425% | 3,357 |
| Pretax return on assets | 0.9692% | 3,116 |
| Return on Equity (ROE) | 7.0436% | 3,114 |
| Retained earnings to average equity (ytd only) | 7.0436% | 1,645 |
| Net charge-offs to loans | 0.0013% | 2,980 |
| Credit loss provision to net charge-offs | 3,142.8571% | 345 |
| Earnings coverage of net charge-offs (x) | 923.5714% | 101 |
| Efficiency ratio | 68.1872% | 2,211 |
| Assets per employee ($millions) | 10.7890% | 405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8314% | 4,253 |
| Loan loss allowance to noncurrent loans | 272.6142% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 0.2428% | 3,349 |
| Noncurrent loans to loans | 0.3050% | 3,294 |
| Net loans and leases to total assets | 78.9574% | 729 |
| Net loans and leases to deposits | 88.4563% | 1,509 |
| Net loans and leases to core deposits | 110.8233% | 707 |
| Total domestic deposits to total assets | 89.2614% | 657 |
| Equity capital to assets | 10.2536% | 2,963 |
| Core capital (leverage) ratio | 10.2167% | 2,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3944% | 1,389 |
| Memoranda: | ||
| Average total assets | $1,355,181,667 | 648 |
| Average earning assets | $1,300,272,000 | 614 |
| Average equity | $142,853,333 | 686 |
| Average total loans | $1,091,505,000 | 575 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3255% | 2,843 |
| Cost of funding earning assets | 1.1734% | 839 |
| Net interest margin | 3.1521% | 3,975 |
| Noninterest income to average assets | 0.1978% | 4,368 |
| Noninterest expense to average assets | 2.1940% | 4,020 |
| Loan and lease loss provision to assets | 0.0363% | 3,318 |
| Net operating income to assets | 0.7558% | 3,077 |
| Return on assets (ROA) | 0.7744% | 3,080 |
| Pretax return on assets | 1.0119% | 2,809 |
| Return on Equity (ROE) | 7.2402% | 2,857 |
| Retained earnings to average equity (ytd only) | 7.2402% | 1,461 |
| Net charge-offs to loans | 0.0030% | 2,489 |
| Credit loss provision to net charge-offs | 1,500.0000% | 424 |
| Earnings coverage of net charge-offs (x) | 422.8750% | 159 |
| Efficiency ratio | 68.1660% | 2,637 |
| Assets per employee ($millions) | 10.3319% | 348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8611% | 4,243 |
| Loan loss allowance to noncurrent loans | 288.1953% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 0.2391% | 3,504 |
| Noncurrent loans to loans | 0.2988% | 3,430 |
| Net loans and leases to total assets | 79.3263% | 776 |
| Net loans and leases to deposits | 89.1295% | 1,622 |
| Net loans and leases to core deposits | 114.9490% | 626 |
| Total domestic deposits to total assets | 89.0012% | 663 |
| Equity capital to assets | 10.5920% | 3,236 |
| Core capital (leverage) ratio | 10.7208% | 2,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,320,699,000 | 635 |
| Average earning assets | $1,265,710,000 | 605 |
| Average equity | $141,266,500 | 686 |
| Average total loans | $1,070,309,500 | 561 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3326% | 3,448 |
| Cost of funding earning assets | 1.2577% | 867 |
| Net interest margin | 3.0749% | 4,407 |
| Noninterest income to average assets | 0.1989% | 4,471 |
| Noninterest expense to average assets | 2.0374% | 4,472 |
| Loan and lease loss provision to assets | 0.0179% | 3,655 |
| Net operating income to assets | 0.8188% | 3,495 |
| Return on assets (ROA) | 0.8338% | 3,528 |
| Pretax return on assets | 1.0882% | 3,201 |
| Return on Equity (ROE) | 7.7466% | 3,268 |
| Retained earnings to average equity (ytd only) | 7.7466% | 1,064 |
| Net charge-offs to loans | 0.0006% | 3,714 |
| Credit loss provision to net charge-offs | 3,700.0000% | 116 |
| Earnings coverage of net charge-offs (x) | 2,242.3333% | 28 |
| Efficiency ratio | 65.2064% | 2,893 |
| Assets per employee ($millions) | 9.8314% | 376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8712% | 4,077 |
| Loan loss allowance to noncurrent loans | 337.7566% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.2118% | 3,617 |
| Noncurrent loans to loans | 0.2579% | 3,523 |
| Net loans and leases to total assets | 81.4037% | 633 |
| Net loans and leases to deposits | 92.5602% | 1,302 |
| Net loans and leases to core deposits | 118.2523% | 531 |
| Total domestic deposits to total assets | 87.9468% | 1,147 |
| Equity capital to assets | 10.8060% | 3,175 |
| Core capital (leverage) ratio | 10.8787% | 2,613 |
| Tier 1 risk-based capital ratio | 16.0729% | 2,379 |
| Total risk-based capital ratio | 17.1443% | 2,386 |
| Memoranda: | ||
| Average total assets | $1,237,581,600 | 642 |
| Average earning assets | $1,177,516,600 | 616 |
| Average equity | $133,206,200 | 692 |
| Average total loans | $1,033,384,600 | 555 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3555% | 3,498 |
| Cost of funding earning assets | 1.2553% | 898 |
| Net interest margin | 3.1002% | 4,472 |
| Noninterest income to average assets | 0.1977% | 4,536 |
| Noninterest expense to average assets | 2.0628% | 4,428 |
| Loan and lease loss provision to assets | 0.0242% | 3,413 |
| Net operating income to assets | 0.8097% | 3,647 |
| Return on assets (ROA) | 0.8299% | 3,658 |
| Pretax return on assets | 1.0819% | 3,346 |
| Return on Equity (ROE) | 7.7185% | 3,423 |
| Retained earnings to average equity (ytd only) | 7.7185% | 1,531 |
| Net charge-offs to loans | 0.0008% | 3,436 |
| Credit loss provision to net charge-offs | 3,700.0000% | 115 |
| Earnings coverage of net charge-offs (x) | 1,654.4588% | 44 |
| Efficiency ratio | 65.6255% | 2,781 |
| Assets per employee ($millions) | 9.6113% | 391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8774% | 4,131 |
| Loan loss allowance to noncurrent loans | 371.4919% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.1985% | 3,770 |
| Noncurrent loans to loans | 0.2362% | 3,696 |
| Net loans and leases to total assets | 83.2996% | 417 |
| Net loans and leases to deposits | 99.5401% | 676 |
| Net loans and leases to core deposits | 123.7652% | 415 |
| Total domestic deposits to total assets | 83.6845% | 2,937 |
| Equity capital to assets | 10.9201% | 3,170 |
| Core capital (leverage) ratio | 11.0452% | 2,606 |
| Tier 1 risk-based capital ratio | 15.7745% | 2,529 |
| Total risk-based capital ratio | 16.8470% | 2,541 |
| Memoranda: | ||
| Average total assets | $1,224,997,250 | 646 |
| Average earning assets | $1,163,898,000 | 621 |
| Average equity | $131,714,750 | 695 |
| Average total loans | $1,027,323,750 | 560 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3563% | 3,469 |
| Cost of funding earning assets | 1.2503% | 864 |
| Net interest margin | 3.1060% | 4,524 |
| Noninterest income to average assets | 0.2076% | 4,503 |
| Noninterest expense to average assets | 2.1015% | 4,415 |
| Loan and lease loss provision to assets | 0.0365% | 3,085 |
| Net operating income to assets | 0.7850% | 3,709 |
| Return on assets (ROA) | 0.7850% | 3,767 |
| Pretax return on assets | 1.0207% | 3,471 |
| Return on Equity (ROE) | 7.3399% | 3,555 |
| Retained earnings to average equity (ytd only) | 7.3399% | 1,676 |
| Net charge-offs to loans | 0.0008% | 3,156 |
| Credit loss provision to net charge-offs | 5,550.0000% | 63 |
| Earnings coverage of net charge-offs (x) | 1,608.0000% | 41 |
| Efficiency ratio | 66.5314% | 2,746 |
| Assets per employee ($millions) | 9.5463% | 391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8929% | 4,121 |
| Loan loss allowance to noncurrent loans | 316.0151% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 0.2368% | 3,625 |
| Noncurrent loans to loans | 0.2826% | 3,526 |
| Net loans and leases to total assets | 83.0555% | 466 |
| Net loans and leases to deposits | 98.1615% | 825 |
| Net loans and leases to core deposits | 122.0398% | 488 |
| Total domestic deposits to total assets | 84.6110% | 2,638 |
| Equity capital to assets | 10.8487% | 3,228 |
| Core capital (leverage) ratio | 10.8498% | 2,744 |
| Tier 1 risk-based capital ratio | 15.7099% | 2,546 |
| Total risk-based capital ratio | 16.8008% | 2,536 |
| Memoranda: | ||
| Average total assets | $1,216,839,000 | 650 |
| Average earning assets | $1,156,159,670 | 628 |
| Average equity | $130,138,330 | 698 |
| Average total loans | $1,019,759,000 | 559 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3252% | 3,481 |
| Cost of funding earning assets | 1.2163% | 862 |
| Net interest margin | 3.1088% | 4,579 |
| Noninterest income to average assets | 0.2103% | 4,487 |
| Noninterest expense to average assets | 2.1377% | 4,401 |
| Loan and lease loss provision to assets | 0.0539% | 2,586 |
| Net operating income to assets | 0.7474% | 3,778 |
| Return on assets (ROA) | 0.7474% | 3,826 |
| Pretax return on assets | 0.9686% | 3,551 |
| Return on Equity (ROE) | 7.0401% | 3,667 |
| Retained earnings to average equity (ytd only) | 7.0401% | 2,022 |
| Net charge-offs to loans | 0.0036% | 2,603 |
| Credit loss provision to net charge-offs | 1,811.1111% | 234 |
| Earnings coverage of net charge-offs (x) | 343.5556% | 233 |
| Efficiency ratio | 67.6434% | 2,689 |
| Assets per employee ($millions) | 9.9399% | 346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8911% | 4,198 |
| Loan loss allowance to noncurrent loans | 331.5942% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.2257% | 3,721 |
| Noncurrent loans to loans | 0.2687% | 3,600 |
| Net loans and leases to total assets | 83.2543% | 437 |
| Net loans and leases to deposits | 100.4571% | 602 |
| Net loans and leases to core deposits | 125.0140% | 405 |
| Total domestic deposits to total assets | 82.8755% | 3,429 |
| Equity capital to assets | 10.6220% | 3,238 |
| Core capital (leverage) ratio | 10.7768% | 2,782 |
| Tier 1 risk-based capital ratio | 15.2693% | 2,762 |
| Total risk-based capital ratio | 16.3428% | 2,757 |
| Memoranda: | ||
| Average total assets | $1,209,523,500 | 659 |
| Average earning assets | $1,147,697,500 | 641 |
| Average equity | $128,408,000 | 708 |
| Average total loans | $1,013,629,500 | 566 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1729% | 3,517 |
| Cost of funding earning assets | 0.8702% | 1,222 |
| Net interest margin | 3.3027% | 4,252 |
| Noninterest income to average assets | 0.2346% | 4,508 |
| Noninterest expense to average assets | 2.1137% | 4,529 |
| Loan and lease loss provision to assets | 0.0568% | 3,034 |
| Net operating income to assets | 0.9227% | 3,356 |
| Return on assets (ROA) | 0.9227% | 3,345 |
| Pretax return on assets | 1.2105% | 2,842 |
| Return on Equity (ROE) | 8.7335% | 3,128 |
| Retained earnings to average equity (ytd only) | 8.7335% | 962 |
| Net charge-offs to loans | 0.0042% | 3,576 |
| Credit loss provision to net charge-offs | 1,625.0000% | 263 |
| Earnings coverage of net charge-offs (x) | 362.3750% | 285 |
| Efficiency ratio | 62.5152% | 3,433 |
| Assets per employee ($millions) | 9.7271% | 369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8996% | 4,162 |
| Loan loss allowance to noncurrent loans | 319.7584% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 0.2352% | 3,659 |
| Noncurrent loans to loans | 0.2813% | 3,560 |
| Net loans and leases to total assets | 82.8488% | 534 |
| Net loans and leases to deposits | 100.6078% | 698 |
| Net loans and leases to core deposits | 121.8034% | 503 |
| Total domestic deposits to total assets | 82.3483% | 3,536 |
| Equity capital to assets | 10.6107% | 3,068 |
| Core capital (leverage) ratio | 10.8970% | 2,630 |
| Tier 1 risk-based capital ratio | 15.5615% | 2,589 |
| Total risk-based capital ratio | 16.6501% | 2,582 |
| Memoranda: | ||
| Average total assets | $1,143,705,200 | 672 |
| Average earning assets | $1,089,605,800 | 651 |
| Average equity | $120,833,400 | 712 |
| Average total loans | $952,050,800 | 583 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1075% | 3,610 |
| Cost of funding earning assets | 0.8064% | 1,305 |
| Net interest margin | 3.3012% | 4,275 |
| Noninterest income to average assets | 0.2373% | 4,549 |
| Noninterest expense to average assets | 2.1095% | 4,526 |
| Loan and lease loss provision to assets | 0.0590% | 2,797 |
| Net operating income to assets | 0.9284% | 3,397 |
| Return on assets (ROA) | 0.9284% | 3,409 |
| Pretax return on assets | 1.2186% | 2,918 |
| Return on Equity (ROE) | 8.7975% | 3,191 |
| Retained earnings to average equity (ytd only) | 8.7975% | 1,309 |
| Net charge-offs to loans | 0.0048% | 3,269 |
| Credit loss provision to net charge-offs | 1,470.5882% | 280 |
| Earnings coverage of net charge-offs (x) | 318.6331% | 294 |
| Efficiency ratio | 62.2806% | 3,466 |
| Assets per employee ($millions) | 9.5485% | 376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9113% | 4,224 |
| Loan loss allowance to noncurrent loans | 159.6754% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 0.4760% | 2,779 |
| Noncurrent loans to loans | 0.5707% | 2,665 |
| Net loans and leases to total assets | 82.6399% | 614 |
| Net loans and leases to deposits | 100.5541% | 733 |
| Net loans and leases to core deposits | 124.2309% | 458 |
| Total domestic deposits to total assets | 82.1845% | 3,552 |
| Equity capital to assets | 10.5760% | 3,068 |
| Core capital (leverage) ratio | 10.9174% | 2,662 |
| Tier 1 risk-based capital ratio | 15.8998% | 2,484 |
| Total risk-based capital ratio | 17.0186% | 2,477 |
| Memoranda: | ||
| Average total assets | $1,130,521,750 | 677 |
| Average earning assets | $1,078,706,250 | 650 |
| Average equity | $119,304,250 | 714 |
| Average total loans | $940,005,250 | 586 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0563% | 3,593 |
| Cost of funding earning assets | 0.7361% | 1,439 |
| Net interest margin | 3.3203% | 4,190 |
| Noninterest income to average assets | 0.2384% | 4,586 |
| Noninterest expense to average assets | 2.1759% | 4,427 |
| Loan and lease loss provision to assets | 0.0724% | 2,437 |
| Net operating income to assets | 0.8847% | 3,530 |
| Return on assets (ROA) | 0.8847% | 3,531 |
| Pretax return on assets | 1.1585% | 3,103 |
| Return on Equity (ROE) | 8.3895% | 3,319 |
| Retained earnings to average equity (ytd only) | 8.3895% | 1,453 |
| Net charge-offs to loans | -0.0002% | 3,856 |
| Credit loss provision to net charge-offs | -40,500.0000% | 4,856 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8705% | 3,327 |
| Assets per employee ($millions) | 8.6647% | 496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9241% | 4,224 |
| Loan loss allowance to noncurrent loans | 208.4380% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 0.3689% | 3,263 |
| Noncurrent loans to loans | 0.4433% | 3,106 |
| Net loans and leases to total assets | 82.4390% | 663 |
| Net loans and leases to deposits | 99.4726% | 841 |
| Net loans and leases to core deposits | 122.1120% | 515 |
| Total domestic deposits to total assets | 82.8761% | 3,443 |
| Equity capital to assets | 10.4891% | 3,129 |
| Core capital (leverage) ratio | 10.9723% | 2,552 |
| Tier 1 risk-based capital ratio | 15.8984% | 2,473 |
| Total risk-based capital ratio | 17.0369% | 2,465 |
| Memoranda: | ||
| Average total assets | $1,119,054,670 | 685 |
| Average earning assets | $1,067,858,000 | 658 |
| Average equity | $118,005,000 | 721 |
| Average total loans | $929,492,000 | 594 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0610% | 3,369 |
| Cost of funding earning assets | 0.7095% | 1,390 |
| Net interest margin | 3.3516% | 4,046 |
| Noninterest income to average assets | 0.2281% | 4,645 |
| Noninterest expense to average assets | 2.1762% | 4,476 |
| Loan and lease loss provision to assets | 0.0867% | 2,063 |
| Net operating income to assets | 0.8888% | 3,341 |
| Return on assets (ROA) | 0.8888% | 3,351 |
| Pretax return on assets | 1.1631% | 2,918 |
| Return on Equity (ROE) | 8.4051% | 3,191 |
| Retained earnings to average equity (ytd only) | 8.4051% | 1,688 |
| Net charge-offs to loans | 0.0004% | 2,713 |
| Credit loss provision to net charge-offs | 24,000.0000% | 7 |
| Earnings coverage of net charge-offs (x) | 3,458.0000% | 16 |
| Efficiency ratio | 63.5194% | 3,555 |
| Assets per employee ($millions) | 9.0057% | 439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9263% | 4,326 |
| Loan loss allowance to noncurrent loans | 1,025.8026% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.0753% | 4,715 |
| Noncurrent loans to loans | 0.0903% | 4,573 |
| Net loans and leases to total assets | 82.6253% | 582 |
| Net loans and leases to deposits | 97.1166% | 931 |
| Net loans and leases to core deposits | 121.7479% | 532 |
| Total domestic deposits to total assets | 85.0784% | 2,904 |
| Equity capital to assets | 10.5365% | 3,040 |
| Core capital (leverage) ratio | 10.8373% | 2,594 |
| Tier 1 risk-based capital ratio | 15.8758% | 2,532 |
| Total risk-based capital ratio | 17.0145% | 2,520 |
| Memoranda: | ||
| Average total assets | $1,106,714,000 | 691 |
| Average earning assets | $1,055,985,500 | 667 |
| Average equity | $117,023,500 | 731 |
| Average total loans | $918,398,500 | 602 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9692% | 3,509 |
| Cost of funding earning assets | 0.6215% | 1,462 |
| Net interest margin | 3.3477% | 4,016 |
| Noninterest income to average assets | 0.2357% | 4,723 |
| Noninterest expense to average assets | 2.1525% | 4,643 |
| Loan and lease loss provision to assets | 0.0773% | 2,654 |
| Net operating income to assets | 0.6027% | 3,997 |
| Return on assets (ROA) | 0.6043% | 4,026 |
| Pretax return on assets | 1.2055% | 2,754 |
| Return on Equity (ROE) | 5.5092% | 3,958 |
| Retained earnings to average equity (ytd only) | 5.5092% | 1,811 |
| Net charge-offs to loans | 0.0997% | 2,078 |
| Credit loss provision to net charge-offs | 94.1383% | 2,710 |
| Earnings coverage of net charge-offs (x) | 15.5979% | 2,233 |
| Efficiency ratio | 62.7060% | 3,829 |
| Assets per employee ($millions) | 9.2943% | 404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9263% | 4,338 |
| Loan loss allowance to noncurrent loans | 1,327.2152% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.0576% | 4,845 |
| Noncurrent loans to loans | 0.0698% | 4,686 |
| Net loans and leases to total assets | 81.7983% | 708 |
| Net loans and leases to deposits | 95.3108% | 1,150 |
| Net loans and leases to core deposits | 117.2580% | 679 |
| Total domestic deposits to total assets | 85.8228% | 2,524 |
| Equity capital to assets | 10.6122% | 3,037 |
| Core capital (leverage) ratio | 10.9554% | 2,382 |
| Tier 1 risk-based capital ratio | 15.9847% | 2,436 |
| Total risk-based capital ratio | 17.1237% | 2,424 |
| Memoranda: | ||
| Average total assets | $1,039,321,000 | 712 |
| Average earning assets | $992,503,200 | 684 |
| Average equity | $114,008,600 | 718 |
| Average total loans | $855,468,800 | 613 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9537% | 3,507 |
| Cost of funding earning assets | 0.6047% | 1,502 |
| Net interest margin | 3.3491% | 4,019 |
| Noninterest income to average assets | 0.2244% | 4,872 |
| Noninterest expense to average assets | 2.1940% | 4,531 |
| Loan and lease loss provision to assets | 0.0518% | 3,065 |
| Net operating income to assets | 0.7683% | 3,653 |
| Return on assets (ROA) | 0.7706% | 3,697 |
| Pretax return on assets | 1.1810% | 2,982 |
| Return on Equity (ROE) | 6.9643% | 3,679 |
| Retained earnings to average equity (ytd only) | 6.9643% | 1,710 |
| Net charge-offs to loans | 0.1348% | 1,446 |
| Credit loss provision to net charge-offs | 46.7136% | 2,948 |
| Earnings coverage of net charge-offs (x) | 11.0916% | 2,530 |
| Efficiency ratio | 64.0903% | 3,529 |
| Assets per employee ($millions) | 8.6595% | 491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9234% | 4,452 |
| Loan loss allowance to noncurrent loans | 929.4529% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.0820% | 4,826 |
| Noncurrent loans to loans | 0.0993% | 4,664 |
| Net loans and leases to total assets | 81.7613% | 731 |
| Net loans and leases to deposits | 92.9110% | 1,432 |
| Net loans and leases to core deposits | 115.1884% | 783 |
| Total domestic deposits to total assets | 87.9996% | 1,361 |
| Equity capital to assets | 11.1576% | 2,709 |
| Core capital (leverage) ratio | 11.2148% | 2,257 |
| Tier 1 risk-based capital ratio | 16.5727% | 2,299 |
| Total risk-based capital ratio | 17.7024% | 2,287 |
| Memoranda: | ||
| Average total assets | $1,024,970,250 | 726 |
| Average earning assets | $978,999,000 | 697 |
| Average equity | $113,414,250 | 726 |
| Average total loans | $842,963,500 | 624 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9370% | 3,422 |
| Cost of funding earning assets | 0.5819% | 1,563 |
| Net interest margin | 3.3551% | 3,929 |
| Noninterest income to average assets | 0.2241% | 4,904 |
| Noninterest expense to average assets | 2.1809% | 4,595 |
| Loan and lease loss provision to assets | 0.0259% | 3,482 |
| Net operating income to assets | 0.7924% | 3,428 |
| Return on assets (ROA) | 0.7924% | 3,487 |
| Pretax return on assets | 1.2194% | 2,703 |
| Return on Equity (ROE) | 7.1822% | 3,463 |
| Retained earnings to average equity (ytd only) | 7.1822% | 1,505 |
| Net charge-offs to loans | 0.1910% | 1,049 |
| Credit loss provision to net charge-offs | 16.5414% | 2,812 |
| Earnings coverage of net charge-offs (x) | 7.9386% | 2,558 |
| Efficiency ratio | 63.6525% | 3,732 |
| Assets per employee ($millions) | 8.3092% | 548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9215% | 4,548 |
| Loan loss allowance to noncurrent loans | 668.2717% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.1129% | 4,747 |
| Noncurrent loans to loans | 0.1379% | 4,562 |
| Net loans and leases to total assets | 81.1024% | 801 |
| Net loans and leases to deposits | 94.9847% | 1,178 |
| Net loans and leases to core deposits | 111.2439% | 938 |
| Total domestic deposits to total assets | 85.3847% | 2,656 |
| Equity capital to assets | 11.1167% | 2,687 |
| Core capital (leverage) ratio | 11.3054% | 2,124 |
| Tier 1 risk-based capital ratio | 16.8760% | 2,185 |
| Total risk-based capital ratio | 18.0150% | 2,176 |
| Memoranda: | ||
| Average total assets | $1,017,361,000 | 734 |
| Average earning assets | $971,004,330 | 707 |
| Average equity | $112,249,330 | 733 |
| Average total loans | $835,725,670 | 631 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9256% | 3,302 |
| Cost of funding earning assets | 0.5654% | 1,619 |
| Net interest margin | 3.3602% | 3,799 |
| Noninterest income to average assets | 0.2208% | 4,952 |
| Noninterest expense to average assets | 2.1403% | 4,772 |
| Loan and lease loss provision to assets | 0.0166% | 3,357 |
| Net operating income to assets | 0.8211% | 3,117 |
| Return on assets (ROA) | 0.8211% | 3,173 |
| Pretax return on assets | 1.2694% | 2,351 |
| Return on Equity (ROE) | 7.4705% | 3,177 |
| Retained earnings to average equity (ytd only) | 7.4705% | 1,665 |
| Net charge-offs to loans | 0.2808% | 644 |
| Credit loss provision to net charge-offs | 7.1918% | 2,244 |
| Earnings coverage of net charge-offs (x) | 5.5651% | 2,279 |
| Efficiency ratio | 62.4668% | 4,080 |
| Assets per employee ($millions) | 8.7529% | 460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9470% | 4,569 |
| Loan loss allowance to noncurrent loans | 1,320.4013% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.0589% | 5,050 |
| Noncurrent loans to loans | 0.0717% | 4,912 |
| Net loans and leases to total assets | 81.3399% | 646 |
| Net loans and leases to deposits | 95.0404% | 1,009 |
| Net loans and leases to core deposits | 111.6018% | 791 |
| Total domestic deposits to total assets | 85.5846% | 2,849 |
| Equity capital to assets | 11.0456% | 2,586 |
| Core capital (leverage) ratio | 11.2259% | 2,165 |
| Tier 1 risk-based capital ratio | 16.8145% | 2,244 |
| Total risk-based capital ratio | 17.9846% | 2,237 |
| Memoranda: | ||
| Average total assets | $1,010,870,000 | 743 |
| Average earning assets | $964,346,500 | 713 |
| Average equity | $111,104,000 | 740 |
| Average total loans | $831,886,000 | 633 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9495% | 3,388 |
| Cost of funding earning assets | 0.5468% | 1,720 |
| Net interest margin | 3.4027% | 3,818 |
| Noninterest income to average assets | 0.2514% | 4,919 |
| Noninterest expense to average assets | 2.1287% | 4,943 |
| Loan and lease loss provision to assets | 0.1046% | 2,301 |
| Net operating income to assets | 0.8226% | 3,194 |
| Return on assets (ROA) | 0.8204% | 3,307 |
| Pretax return on assets | 1.2594% | 2,438 |
| Return on Equity (ROE) | 7.3888% | 3,274 |
| Retained earnings to average equity (ytd only) | 7.3888% | 1,082 |
| Net charge-offs to loans | 0.0023% | 4,194 |
| Credit loss provision to net charge-offs | 5,583.3333% | 81 |
| Earnings coverage of net charge-offs (x) | 730.0556% | 106 |
| Efficiency ratio | 60.8899% | 4,438 |
| Assets per employee ($millions) | 8.7513% | 453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0166% | 4,217 |
| Loan loss allowance to noncurrent loans | 263.0299% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.3188% | 3,999 |
| Noncurrent loans to loans | 0.3865% | 3,755 |
| Net loans and leases to total assets | 81.6337% | 649 |
| Net loans and leases to deposits | 95.5883% | 1,035 |
| Net loans and leases to core deposits | 112.1118% | 780 |
| Total domestic deposits to total assets | 85.4014% | 2,876 |
| Equity capital to assets | 10.9357% | 2,679 |
| Core capital (leverage) ratio | 11.1407% | 2,219 |
| Tier 1 risk-based capital ratio | 16.6656% | 2,283 |
| Total risk-based capital ratio | 17.9158% | 2,228 |
| Memoranda: | ||
| Average total assets | $961,107,000 | 755 |
| Average earning assets | $916,437,600 | 723 |
| Average equity | $106,715,800 | 748 |
| Average total loans | $783,790,000 | 638 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9484% | 3,434 |
| Cost of funding earning assets | 0.5436% | 1,761 |
| Net interest margin | 3.4048% | 3,823 |
| Noninterest income to average assets | 0.2440% | 5,015 |
| Noninterest expense to average assets | 2.1411% | 4,910 |
| Loan and lease loss provision to assets | 0.1172% | 1,969 |
| Net operating income to assets | 0.8047% | 3,344 |
| Return on assets (ROA) | 0.7992% | 3,509 |
| Pretax return on assets | 1.2233% | 2,737 |
| Return on Equity (ROE) | 7.1689% | 3,466 |
| Retained earnings to average equity (ytd only) | 7.1689% | 1,546 |
| Net charge-offs to loans | 0.0028% | 3,843 |
| Credit loss provision to net charge-offs | 5,218.7500% | 102 |
| Earnings coverage of net charge-offs (x) | 600.7037% | 151 |
| Efficiency ratio | 61.3466% | 4,329 |
| Assets per employee ($millions) | 7.9230% | 607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0172% | 4,315 |
| Loan loss allowance to noncurrent loans | 225.5522% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.3703% | 3,941 |
| Noncurrent loans to loans | 0.4510% | 3,659 |
| Net loans and leases to total assets | 81.2625% | 723 |
| Net loans and leases to deposits | 96.5301% | 995 |
| Net loans and leases to core deposits | 112.5036% | 782 |
| Total domestic deposits to total assets | 84.1836% | 3,154 |
| Equity capital to assets | 11.0253% | 2,983 |
| Core capital (leverage) ratio | 11.0503% | 2,396 |
| Tier 1 risk-based capital ratio | 16.4814% | 2,425 |
| Total risk-based capital ratio | 17.7329% | 2,375 |
| Memoranda: | ||
| Average total assets | $949,784,250 | 762 |
| Average earning assets | $905,518,250 | 733 |
| Average equity | $105,880,500 | 753 |
| Average total loans | $772,238,000 | 644 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8683% | 3,712 |
| Cost of funding earning assets | 0.5372% | 1,803 |
| Net interest margin | 3.3311% | 4,115 |
| Noninterest income to average assets | 0.2425% | 5,033 |
| Noninterest expense to average assets | 2.1541% | 4,943 |
| Loan and lease loss provision to assets | 0.1260% | 1,808 |
| Net operating income to assets | 0.7484% | 3,557 |
| Return on assets (ROA) | 0.7398% | 3,767 |
| Pretax return on assets | 1.1232% | 3,110 |
| Return on Equity (ROE) | 6.6103% | 3,745 |
| Retained earnings to average equity (ytd only) | 6.6103% | 1,810 |
| Net charge-offs to loans | 0.0037% | 3,575 |
| Credit loss provision to net charge-offs | 4,214.2857% | 103 |
| Earnings coverage of net charge-offs (x) | 422.0714% | 162 |
| Efficiency ratio | 63.0526% | 4,168 |
| Assets per employee ($millions) | 8.1453% | 536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0172% | 4,422 |
| Loan loss allowance to noncurrent loans | 125.6575% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 0.6590% | 3,029 |
| Noncurrent loans to loans | 0.8095% | 2,725 |
| Net loans and leases to total assets | 80.5873% | 815 |
| Net loans and leases to deposits | 96.4340% | 1,034 |
| Net loans and leases to core deposits | 111.9367% | 815 |
| Total domestic deposits to total assets | 83.5674% | 3,437 |
| Equity capital to assets | 11.0401% | 3,018 |
| Core capital (leverage) ratio | 11.1878% | 2,250 |
| Tier 1 risk-based capital ratio | 16.4924% | 2,431 |
| Total risk-based capital ratio | 17.7418% | 2,378 |
| Memoranda: | ||
| Average total assets | $936,253,000 | 769 |
| Average earning assets | $892,074,000 | 743 |
| Average equity | $104,776,670 | 761 |
| Average total loans | $758,625,000 | 655 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8514% | 3,763 |
| Cost of funding earning assets | 0.5321% | 1,855 |
| Net interest margin | 3.3194% | 4,147 |
| Noninterest income to average assets | 0.2440% | 4,991 |
| Noninterest expense to average assets | 2.2259% | 4,842 |
| Loan and lease loss provision to assets | 0.1022% | 1,991 |
| Net operating income to assets | 0.7128% | 3,649 |
| Return on assets (ROA) | 0.7128% | 3,770 |
| Pretax return on assets | 1.0768% | 3,180 |
| Return on Equity (ROE) | 6.3245% | 3,816 |
| Retained earnings to average equity (ytd only) | 6.3245% | 2,222 |
| Net charge-offs to loans | 0.0091% | 2,822 |
| Credit loss provision to net charge-offs | 1,382.3529% | 301 |
| Earnings coverage of net charge-offs (x) | 159.4706% | 377 |
| Efficiency ratio | 65.3723% | 3,901 |
| Assets per employee ($millions) | 8.1701% | 527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0165% | 4,511 |
| Loan loss allowance to noncurrent loans | 95.1489% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 0.8654% | 2,533 |
| Noncurrent loans to loans | 1.0683% | 2,256 |
| Net loans and leases to total assets | 80.1831% | 790 |
| Net loans and leases to deposits | 91.4774% | 1,407 |
| Net loans and leases to core deposits | 106.7000% | 1,036 |
| Total domestic deposits to total assets | 87.6535% | 1,826 |
| Equity capital to assets | 11.2445% | 2,687 |
| Core capital (leverage) ratio | 11.2923% | 2,148 |
| Tier 1 risk-based capital ratio | 16.9220% | 2,316 |
| Total risk-based capital ratio | 18.1637% | 2,267 |
| Memoranda: | ||
| Average total assets | $919,737,000 | 787 |
| Average earning assets | $875,827,000 | 756 |
| Average equity | $103,660,000 | 773 |
| Average total loans | $743,363,500 | 668 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8506% | 3,881 |
| Cost of funding earning assets | 0.4717% | 2,422 |
| Net interest margin | 3.3790% | 3,994 |
| Noninterest income to average assets | 0.2686% | 4,949 |
| Noninterest expense to average assets | 2.1471% | 5,154 |
| Loan and lease loss provision to assets | 0.0639% | 3,017 |
| Net operating income to assets | 0.8257% | 3,219 |
| Return on assets (ROA) | 0.8257% | 3,301 |
| Pretax return on assets | 1.2609% | 2,431 |
| Return on Equity (ROE) | 7.1349% | 3,441 |
| Retained earnings to average equity (ytd only) | 7.1349% | 1,221 |
| Net charge-offs to loans | 0.0032% | 4,349 |
| Credit loss provision to net charge-offs | 2,495.4545% | 141 |
| Earnings coverage of net charge-offs (x) | 517.4091% | 127 |
| Efficiency ratio | 61.8417% | 4,635 |
| Assets per employee ($millions) | 8.0362% | 547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0176% | 4,499 |
| Loan loss allowance to noncurrent loans | 75.0806% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 1.0928% | 2,013 |
| Noncurrent loans to loans | 1.3553% | 1,732 |
| Net loans and leases to total assets | 79.8152% | 871 |
| Net loans and leases to deposits | 92.7896% | 1,322 |
| Net loans and leases to core deposits | 106.3589% | 1,080 |
| Total domestic deposits to total assets | 86.0174% | 2,632 |
| Equity capital to assets | 11.2974% | 2,543 |
| Core capital (leverage) ratio | 11.6428% | 1,858 |
| Tier 1 risk-based capital ratio | 16.0408% | 2,672 |
| Total risk-based capital ratio | 17.1988% | 2,647 |
| Memoranda: | ||
| Average total assets | $859,197,200 | 803 |
| Average earning assets | $814,539,200 | 765 |
| Average equity | $99,426,400 | 773 |
| Average total loans | $683,159,400 | 687 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8651% | 3,875 |
| Cost of funding earning assets | 0.4682% | 2,512 |
| Net interest margin | 3.3969% | 3,973 |
| Noninterest income to average assets | 0.2635% | 5,054 |
| Noninterest expense to average assets | 2.1752% | 5,119 |
| Loan and lease loss provision to assets | 0.0368% | 3,477 |
| Net operating income to assets | 0.8302% | 3,282 |
| Return on assets (ROA) | 0.8302% | 3,366 |
| Pretax return on assets | 1.2685% | 2,517 |
| Return on Equity (ROE) | 7.1291% | 3,551 |
| Retained earnings to average equity (ytd only) | 7.1291% | 1,628 |
| Net charge-offs to loans | 0.0028% | 4,089 |
| Credit loss provision to net charge-offs | 1,671.4286% | 217 |
| Earnings coverage of net charge-offs (x) | 592.1650% | 126 |
| Efficiency ratio | 62.4966% | 4,494 |
| Assets per employee ($millions) | 7.4549% | 704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0430% | 4,511 |
| Loan loss allowance to noncurrent loans | 70.7117% | 4,402 |
| Noncurrent assets plus other real estate owned to assets | 1.1784% | 2,008 |
| Noncurrent loans to loans | 1.4750% | 1,697 |
| Net loans and leases to total assets | 79.0627% | 947 |
| Net loans and leases to deposits | 90.6518% | 1,570 |
| Net loans and leases to core deposits | 102.3355% | 1,357 |
| Total domestic deposits to total assets | 87.2159% | 1,934 |
| Equity capital to assets | 11.8034% | 2,261 |
| Core capital (leverage) ratio | 11.8546% | 1,776 |
| Tier 1 risk-based capital ratio | 16.7680% | 2,449 |
| Total risk-based capital ratio | 17.9531% | 2,437 |
| Memoranda: | ||
| Average total assets | $846,975,000 | 820 |
| Average earning assets | $802,127,750 | 785 |
| Average equity | $98,635,500 | 787 |
| Average total loans | $670,888,750 | 701 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8921% | 3,723 |
| Cost of funding earning assets | 0.4648% | 2,563 |
| Net interest margin | 3.4273% | 3,800 |
| Noninterest income to average assets | 0.2608% | 5,084 |
| Noninterest expense to average assets | 2.1623% | 5,197 |
| Loan and lease loss provision to assets | 0.0555% | 3,000 |
| Net operating income to assets | 0.8410% | 3,167 |
| Return on assets (ROA) | 0.8410% | 3,273 |
| Pretax return on assets | 1.2877% | 2,407 |
| Return on Equity (ROE) | 7.2548% | 3,458 |
| Retained earnings to average equity (ytd only) | 7.2548% | 1,592 |
| Net charge-offs to loans | 0.0036% | 3,770 |
| Credit loss provision to net charge-offs | 1,950.0000% | 196 |
| Earnings coverage of net charge-offs (x) | 472.0833% | 140 |
| Efficiency ratio | 61.6841% | 4,730 |
| Assets per employee ($millions) | 7.7270% | 601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0704% | 4,486 |
| Loan loss allowance to noncurrent loans | 73.8479% | 4,373 |
| Noncurrent assets plus other real estate owned to assets | 1.1386% | 2,235 |
| Noncurrent loans to loans | 1.4495% | 1,842 |
| Net loans and leases to total assets | 77.7150% | 1,109 |
| Net loans and leases to deposits | 90.4454% | 1,539 |
| Net loans and leases to core deposits | 100.6586% | 1,431 |
| Total domestic deposits to total assets | 85.9247% | 2,726 |
| Equity capital to assets | 11.6972% | 2,251 |
| Core capital (leverage) ratio | 11.7550% | 1,803 |
| Tier 1 risk-based capital ratio | 16.6111% | 2,560 |
| Total risk-based capital ratio | 17.8050% | 2,540 |
| Memoranda: | ||
| Average total assets | $843,528,670 | 829 |
| Average earning assets | $798,583,670 | 792 |
| Average equity | $97,783,330 | 795 |
| Average total loans | $666,198,330 | 703 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7805% | 4,087 |
| Cost of funding earning assets | 0.4783% | 2,468 |
| Net interest margin | 3.3022% | 4,209 |
| Noninterest income to average assets | 0.2566% | 5,123 |
| Noninterest expense to average assets | 2.1816% | 5,199 |
| Loan and lease loss provision to assets | 0.0828% | 2,319 |
| Net operating income to assets | 0.7388% | 3,604 |
| Return on assets (ROA) | 0.7388% | 3,729 |
| Pretax return on assets | 1.1177% | 3,003 |
| Return on Equity (ROE) | 6.4024% | 3,829 |
| Retained earnings to average equity (ytd only) | 6.4024% | 2,287 |
| Net charge-offs to loans | 0.0012% | 3,267 |
| Credit loss provision to net charge-offs | 8,700.0000% | 39 |
| Earnings coverage of net charge-offs (x) | 1,261.0000% | 31 |
| Efficiency ratio | 64.5039% | 4,399 |
| Assets per employee ($millions) | 7.4940% | 671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0607% | 4,705 |
| Loan loss allowance to noncurrent loans | 64.3777% | 4,588 |
| Noncurrent assets plus other real estate owned to assets | 1.3018% | 2,040 |
| Noncurrent loans to loans | 1.6476% | 1,690 |
| Net loans and leases to total assets | 78.1755% | 895 |
| Net loans and leases to deposits | 91.6445% | 1,229 |
| Net loans and leases to core deposits | 101.6297% | 1,209 |
| Total domestic deposits to total assets | 85.3030% | 3,265 |
| Equity capital to assets | 11.5505% | 2,420 |
| Core capital (leverage) ratio | 11.5990% | 1,930 |
| Tier 1 risk-based capital ratio | 16.8686% | 2,532 |
| Total risk-based capital ratio | 18.0976% | 2,490 |
| Memoranda: | ||
| Average total assets | $840,310,500 | 834 |
| Average earning assets | $795,340,000 | 797 |
| Average equity | $96,964,000 | 796 |
| Average total loans | $665,449,000 | 701 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7825% | 4,543 |
| Cost of funding earning assets | 0.5156% | 2,529 |
| Net interest margin | 3.2669% | 4,697 |
| Noninterest income to average assets | 0.2816% | 5,106 |
| Noninterest expense to average assets | 2.3243% | 5,047 |
| Loan and lease loss provision to assets | 0.0875% | 2,723 |
| Net operating income to assets | 0.6337% | 4,216 |
| Return on assets (ROA) | 0.6337% | 4,321 |
| Pretax return on assets | 0.9440% | 3,717 |
| Return on Equity (ROE) | 5.4282% | 4,442 |
| Retained earnings to average equity (ytd only) | 5.4282% | 2,312 |
| Net charge-offs to loans | -0.0039% | 5,436 |
| Credit loss provision to net charge-offs | -2,904.1667% | 6,017 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2621% | 3,664 |
| Assets per employee ($millions) | 7.4447% | 678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0464% | 4,827 |
| Loan loss allowance to noncurrent loans | 81.6339% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 1.0174% | 2,714 |
| Noncurrent loans to loans | 1.2818% | 2,312 |
| Net loans and leases to total assets | 78.5403% | 939 |
| Net loans and leases to deposits | 92.6537% | 1,222 |
| Net loans and leases to core deposits | 102.6185% | 1,201 |
| Total domestic deposits to total assets | 84.7676% | 3,383 |
| Equity capital to assets | 11.5274% | 2,408 |
| Core capital (leverage) ratio | 11.8720% | 1,718 |
| Tier 1 risk-based capital ratio | 17.0246% | 2,505 |
| Total risk-based capital ratio | 18.2546% | 2,467 |
| Memoranda: | ||
| Average total assets | $796,804,000 | 848 |
| Average earning assets | $749,793,600 | 818 |
| Average equity | $93,014,400 | 798 |
| Average total loans | $611,027,800 | 715 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7529% | 4,701 |
| Cost of funding earning assets | 0.5232% | 2,538 |
| Net interest margin | 3.2297% | 4,859 |
| Noninterest income to average assets | 0.2712% | 5,272 |
| Noninterest expense to average assets | 2.3898% | 4,864 |
| Loan and lease loss provision to assets | 0.0698% | 2,953 |
| Net operating income to assets | 0.5737% | 4,575 |
| Return on assets (ROA) | 0.5737% | 4,652 |
| Pretax return on assets | 0.8465% | 4,192 |
| Return on Equity (ROE) | 4.8987% | 4,767 |
| Retained earnings to average equity (ytd only) | 4.8987% | 3,158 |
| Net charge-offs to loans | -0.0053% | 5,305 |
| Credit loss provision to net charge-offs | -1,716.6667% | 5,949 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2859% | 3,128 |
| Assets per employee ($millions) | 7.3144% | 695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0475% | 5,005 |
| Loan loss allowance to noncurrent loans | 100.9273% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 0.8176% | 3,382 |
| Noncurrent loans to loans | 1.0379% | 2,999 |
| Net loans and leases to total assets | 77.9487% | 967 |
| Net loans and leases to deposits | 89.5803% | 1,470 |
| Net loans and leases to core deposits | 98.3753% | 1,497 |
| Total domestic deposits to total assets | 87.0155% | 2,313 |
| Equity capital to assets | 11.6814% | 2,329 |
| Core capital (leverage) ratio | 11.7582% | 1,859 |
| Tier 1 risk-based capital ratio | 17.2781% | 2,486 |
| Total risk-based capital ratio | 18.4960% | 2,463 |
| Memoranda: | ||
| Average total assets | $787,554,500 | 859 |
| Average earning assets | $740,035,000 | 837 |
| Average equity | $92,239,000 | 803 |
| Average total loans | $598,335,750 | 734 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7222% | 4,792 |
| Cost of funding earning assets | 0.5239% | 2,599 |
| Net interest margin | 3.1983% | 4,952 |
| Noninterest income to average assets | 0.2711% | 5,267 |
| Noninterest expense to average assets | 2.4523% | 4,728 |
| Loan and lease loss provision to assets | 0.0256% | 3,768 |
| Net operating income to assets | 0.5390% | 4,654 |
| Return on assets (ROA) | 0.5390% | 4,750 |
| Pretax return on assets | 0.7930% | 4,303 |
| Return on Equity (ROE) | 4.5976% | 4,863 |
| Retained earnings to average equity (ytd only) | 4.5976% | 3,234 |
| Net charge-offs to loans | -0.0078% | 5,270 |
| Credit loss provision to net charge-offs | -434.7826% | 5,539 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9746% | 2,810 |
| Assets per employee ($millions) | 7.3545% | 680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0389% | 5,158 |
| Loan loss allowance to noncurrent loans | 121.6497% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 1.1194% | 2,842 |
| Noncurrent loans to loans | 0.8540% | 3,568 |
| Net loans and leases to total assets | 75.8785% | 1,182 |
| Net loans and leases to deposits | 86.8427% | 1,732 |
| Net loans and leases to core deposits | 94.9941% | 1,686 |
| Total domestic deposits to total assets | 87.3746% | 2,263 |
| Equity capital to assets | 11.6717% | 2,261 |
| Core capital (leverage) ratio | 11.8238% | 1,772 |
| Tier 1 risk-based capital ratio | 17.6118% | 2,380 |
| Total risk-based capital ratio | 18.8112% | 2,369 |
| Memoranda: | ||
| Average total assets | $781,877,000 | 866 |
| Average earning assets | $733,333,000 | 839 |
| Average equity | $91,656,330 | 799 |
| Average total loans | $586,513,000 | 741 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6722% | 4,940 |
| Cost of funding earning assets | 0.5206% | 2,711 |
| Net interest margin | 3.1516% | 5,084 |
| Noninterest income to average assets | 0.2687% | 5,218 |
| Noninterest expense to average assets | 2.3433% | 5,085 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5899% | 4,235 |
| Return on assets (ROA) | 0.5899% | 4,313 |
| Pretax return on assets | 0.8787% | 3,787 |
| Return on Equity (ROE) | 5.0213% | 4,543 |
| Retained earnings to average equity (ytd only) | 5.0213% | 3,101 |
| Net charge-offs to loans | -0.0160% | 5,237 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7273% | 3,354 |
| Assets per employee ($millions) | 7.3040% | 695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0672% | 5,258 |
| Loan loss allowance to noncurrent loans | 152.5478% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 1.0789% | 3,097 |
| Noncurrent loans to loans | 0.6996% | 4,117 |
| Net loans and leases to total assets | 73.8649% | 1,291 |
| Net loans and leases to deposits | 84.6248% | 1,759 |
| Net loans and leases to core deposits | 92.6147% | 1,672 |
| Total domestic deposits to total assets | 87.2852% | 2,645 |
| Equity capital to assets | 11.7353% | 2,072 |
| Core capital (leverage) ratio | 11.9665% | 1,672 |
| Tier 1 risk-based capital ratio | 17.9994% | 2,295 |
| Total risk-based capital ratio | 19.2186% | 2,290 |
| Memoranda: | ||
| Average total assets | $775,672,000 | 875 |
| Average earning assets | $726,864,500 | 853 |
| Average equity | $91,131,000 | 804 |
| Average total loans | $575,259,500 | 763 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6511% | 5,275 |
| Cost of funding earning assets | 0.5461% | 3,144 |
| Net interest margin | 3.1050% | 5,292 |
| Noninterest income to average assets | 0.2914% | 5,269 |
| Noninterest expense to average assets | 2.3321% | 5,280 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5757% | 4,378 |
| Return on assets (ROA) | 0.5757% | 4,491 |
| Pretax return on assets | 0.8672% | 3,891 |
| Return on Equity (ROE) | 4.9933% | 4,637 |
| Retained earnings to average equity (ytd only) | 4.9933% | 2,601 |
| Net charge-offs to loans | 0.0189% | 5,063 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 65.1176% | 642 |
| Efficiency ratio | 72.8931% | 3,310 |
| Assets per employee ($millions) | 7.2625% | 667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0940% | 5,182 |
| Loan loss allowance to noncurrent loans | 78.1038% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 1.5967% | 2,328 |
| Noncurrent loans to loans | 1.4007% | 2,792 |
| Net loans and leases to total assets | 72.8504% | 1,543 |
| Net loans and leases to deposits | 83.5406% | 1,992 |
| Net loans and leases to core deposits | 91.5582% | 1,840 |
| Total domestic deposits to total assets | 87.2036% | 2,622 |
| Equity capital to assets | 11.7622% | 1,975 |
| Core capital (leverage) ratio | 11.8699% | 1,701 |
| Tier 1 risk-based capital ratio | 17.9089% | 2,269 |
| Total risk-based capital ratio | 19.1326% | 2,248 |
| Memoranda: | ||
| Average total assets | $765,871,400 | 873 |
| Average earning assets | $717,261,800 | 848 |
| Average equity | $88,297,800 | 798 |
| Average total loans | $538,960,000 | 780 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6197% | 5,386 |
| Cost of funding earning assets | 0.5504% | 3,256 |
| Net interest margin | 3.0693% | 5,400 |
| Noninterest income to average assets | 0.2815% | 5,432 |
| Noninterest expense to average assets | 2.3487% | 5,187 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5364% | 4,635 |
| Return on assets (ROA) | 0.5364% | 4,786 |
| Pretax return on assets | 0.8072% | 4,264 |
| Return on Equity (ROE) | 4.6761% | 4,893 |
| Retained earnings to average equity (ytd only) | 4.6761% | 3,336 |
| Net charge-offs to loans | 0.0253% | 4,618 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 45.8526% | 915 |
| Efficiency ratio | 74.4214% | 2,995 |
| Assets per employee ($millions) | 7.1466% | 687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1241% | 5,235 |
| Loan loss allowance to noncurrent loans | 116.8770% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 1.2631% | 3,111 |
| Noncurrent loans to loans | 0.9618% | 3,890 |
| Net loans and leases to total assets | 71.3761% | 1,710 |
| Net loans and leases to deposits | 81.9618% | 2,144 |
| Net loans and leases to core deposits | 89.1947% | 2,051 |
| Total domestic deposits to total assets | 87.0846% | 2,646 |
| Equity capital to assets | 11.6719% | 2,152 |
| Core capital (leverage) ratio | 11.8164% | 1,802 |
| Tier 1 risk-based capital ratio | 18.2126% | 2,240 |
| Total risk-based capital ratio | 19.4628% | 2,207 |
| Memoranda: | ||
| Average total assets | $764,884,250 | 881 |
| Average earning assets | $716,315,000 | 854 |
| Average equity | $87,735,250 | 809 |
| Average total loans | $531,945,000 | 789 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5881% | 5,475 |
| Cost of funding earning assets | 0.5557% | 3,355 |
| Net interest margin | 3.0324% | 5,490 |
| Noninterest income to average assets | 0.2743% | 5,490 |
| Noninterest expense to average assets | 2.2441% | 5,512 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5708% | 4,449 |
| Return on assets (ROA) | 0.5708% | 4,622 |
| Pretax return on assets | 0.8696% | 4,024 |
| Return on Equity (ROE) | 5.0052% | 4,730 |
| Retained earnings to average equity (ytd only) | 5.0052% | 3,053 |
| Net charge-offs to loans | 0.0038% | 4,845 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 332.6000% | 148 |
| Efficiency ratio | 72.0715% | 3,454 |
| Assets per employee ($millions) | 7.1162% | 687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1736% | 5,133 |
| Loan loss allowance to noncurrent loans | 94.0131% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 1.4782% | 2,888 |
| Noncurrent loans to loans | 1.2484% | 3,458 |
| Net loans and leases to total assets | 70.2933% | 1,835 |
| Net loans and leases to deposits | 80.7012% | 2,223 |
| Net loans and leases to core deposits | 87.8209% | 2,129 |
| Total domestic deposits to total assets | 87.1031% | 2,754 |
| Equity capital to assets | 11.7123% | 2,119 |
| Core capital (leverage) ratio | 11.8207% | 1,713 |
| Tier 1 risk-based capital ratio | 18.5935% | 2,113 |
| Total risk-based capital ratio | 19.8444% | 2,073 |
| Memoranda: | ||
| Average total assets | $764,951,330 | 881 |
| Average earning assets | $716,255,330 | 851 |
| Average equity | $87,229,330 | 813 |
| Average total loans | $525,258,000 | 798 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5406% | 5,609 |
| Cost of funding earning assets | 0.5702% | 3,379 |
| Net interest margin | 2.9704% | 5,653 |
| Noninterest income to average assets | 0.2680% | 5,538 |
| Noninterest expense to average assets | 2.2278% | 5,617 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5396% | 4,499 |
| Return on assets (ROA) | 0.5396% | 4,647 |
| Pretax return on assets | 0.8210% | 4,082 |
| Return on Equity (ROE) | 4.7952% | 4,693 |
| Retained earnings to average equity (ytd only) | 4.7952% | 3,362 |
| Net charge-offs to loans | 0.0015% | 4,136 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 790.5000% | 30 |
| Efficiency ratio | 73.0710% | 3,436 |
| Assets per employee ($millions) | 7.3109% | 666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2048% | 5,160 |
| Loan loss allowance to noncurrent loans | 130.0598% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 1.2230% | 3,527 |
| Noncurrent loans to loans | 0.9264% | 4,278 |
| Net loans and leases to total assets | 67.9870% | 2,012 |
| Net loans and leases to deposits | 77.9172% | 2,347 |
| Net loans and leases to core deposits | 84.7976% | 2,233 |
| Total domestic deposits to total assets | 87.2554% | 2,788 |
| Equity capital to assets | 11.4736% | 2,435 |
| Core capital (leverage) ratio | 11.5760% | 1,828 |
| Tier 1 risk-based capital ratio | 18.9055% | 2,068 |
| Total risk-based capital ratio | 20.1577% | 2,041 |
| Memoranda: | ||
| Average total assets | $770,266,500 | 882 |
| Average earning assets | $721,120,500 | 850 |
| Average equity | $86,670,000 | 827 |
| Average total loans | $519,620,000 | 812 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8182% | 5,780 |
| Cost of funding earning assets | 0.7520% | 3,074 |
| Net interest margin | 3.0662% | 5,894 |
| Noninterest income to average assets | 0.3049% | 5,260 |
| Noninterest expense to average assets | 2.2220% | 5,876 |
| Loan and lease loss provision to assets | 0.1122% | 4,231 |
| Net operating income to assets | 0.5504% | 4,474 |
| Return on assets (ROA) | 0.5504% | 4,730 |
| Pretax return on assets | 0.8350% | 4,167 |
| Return on Equity (ROE) | 4.8096% | 4,778 |
| Retained earnings to average equity (ytd only) | 4.8096% | 2,841 |
| Net charge-offs to loans | 0.0513% | 5,204 |
| Credit loss provision to net charge-offs | 326.0870% | 747 |
| Earnings coverage of net charge-offs (x) | 27.5257% | 1,069 |
| Efficiency ratio | 70.1129% | 3,795 |
| Assets per employee ($millions) | 7.6490% | 585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2221% | 5,010 |
| Loan loss allowance to noncurrent loans | 110.0908% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 1.3048% | 3,470 |
| Noncurrent loans to loans | 1.1101% | 3,990 |
| Net loans and leases to total assets | 65.3297% | 2,647 |
| Net loans and leases to deposits | 75.7976% | 2,826 |
| Net loans and leases to core deposits | 81.4826% | 2,825 |
| Total domestic deposits to total assets | 86.1897% | 3,256 |
| Equity capital to assets | 11.0360% | 2,903 |
| Core capital (leverage) ratio | 11.5048% | 1,869 |
| Tier 1 risk-based capital ratio | 19.0027% | 1,958 |
| Total risk-based capital ratio | 20.2559% | 1,928 |
| Memoranda: | ||
| Average total assets | $735,242,200 | 904 |
| Average earning assets | $686,814,200 | 882 |
| Average equity | $84,144,200 | 836 |
| Average total loans | $492,711,200 | 837 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8968% | 5,792 |
| Cost of funding earning assets | 0.7970% | 2,972 |
| Net interest margin | 3.0999% | 5,935 |
| Noninterest income to average assets | 0.3053% | 5,344 |
| Noninterest expense to average assets | 2.2677% | 5,779 |
| Loan and lease loss provision to assets | 0.1427% | 3,751 |
| Net operating income to assets | 0.5234% | 4,742 |
| Return on assets (ROA) | 0.5234% | 5,006 |
| Pretax return on assets | 0.7887% | 4,535 |
| Return on Equity (ROE) | 4.5296% | 5,033 |
| Retained earnings to average equity (ytd only) | 4.5296% | 3,712 |
| Net charge-offs to loans | 0.0690% | 4,727 |
| Credit loss provision to net charge-offs | 307.5397% | 874 |
| Earnings coverage of net charge-offs (x) | 20.0715% | 1,463 |
| Efficiency ratio | 70.8842% | 3,519 |
| Assets per employee ($millions) | 7.6671% | 546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2734% | 4,931 |
| Loan loss allowance to noncurrent loans | 165.2404% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 1.1979% | 3,891 |
| Noncurrent loans to loans | 0.7706% | 4,868 |
| Net loans and leases to total assets | 65.8954% | 2,671 |
| Net loans and leases to deposits | 77.0182% | 2,811 |
| Net loans and leases to core deposits | 83.1957% | 2,797 |
| Total domestic deposits to total assets | 85.5582% | 3,480 |
| Equity capital to assets | 11.5663% | 2,686 |
| Core capital (leverage) ratio | 11.6092% | 1,905 |
| Tier 1 risk-based capital ratio | 19.5494% | 1,870 |
| Total risk-based capital ratio | 20.8056% | 1,839 |
| Memoranda: | ||
| Average total assets | $724,002,250 | 921 |
| Average earning assets | $675,885,500 | 898 |
| Average equity | $83,654,500 | 839 |
| Average total loans | $486,886,500 | 852 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9448% | 5,797 |
| Cost of funding earning assets | 0.8242% | 2,998 |
| Net interest margin | 3.1206% | 5,948 |
| Noninterest income to average assets | 0.3103% | 5,334 |
| Noninterest expense to average assets | 2.2798% | 5,794 |
| Loan and lease loss provision to assets | 0.1736% | 3,371 |
| Net operating income to assets | 0.5095% | 4,777 |
| Return on assets (ROA) | 0.5095% | 5,040 |
| Pretax return on assets | 0.7703% | 4,572 |
| Return on Equity (ROE) | 4.4107% | 5,084 |
| Retained earnings to average equity (ytd only) | 4.4107% | 3,672 |
| Net charge-offs to loans | 0.0416% | 4,797 |
| Credit loss provision to net charge-offs | 618.8119% | 505 |
| Earnings coverage of net charge-offs (x) | 33.6436% | 995 |
| Efficiency ratio | 70.7195% | 3,648 |
| Assets per employee ($millions) | 7.1401% | 688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2845% | 4,957 |
| Loan loss allowance to noncurrent loans | 115.2542% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 1.2477% | 3,919 |
| Noncurrent loans to loans | 1.1145% | 4,291 |
| Net loans and leases to total assets | 65.3733% | 2,795 |
| Net loans and leases to deposits | 76.2441% | 2,949 |
| Net loans and leases to core deposits | 82.4612% | 2,906 |
| Total domestic deposits to total assets | 85.7421% | 3,492 |
| Equity capital to assets | 11.4350% | 2,653 |
| Core capital (leverage) ratio | 11.6488% | 1,810 |
| Tier 1 risk-based capital ratio | 18.9447% | 1,983 |
| Total risk-based capital ratio | 20.1986% | 1,963 |
| Memoranda: | ||
| Average total assets | $719,988,000 | 926 |
| Average earning assets | $672,177,670 | 907 |
| Average equity | $83,161,670 | 833 |
| Average total loans | $485,423,330 | 852 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0890% | 5,500 |
| Cost of funding earning assets | 0.8487% | 3,076 |
| Net interest margin | 3.2403% | 5,665 |
| Noninterest income to average assets | 0.2892% | 5,560 |
| Noninterest expense to average assets | 2.3486% | 5,629 |
| Loan and lease loss provision to assets | 0.1825% | 3,146 |
| Net operating income to assets | 0.5172% | 4,751 |
| Return on assets (ROA) | 0.5172% | 4,963 |
| Pretax return on assets | 0.7812% | 4,487 |
| Return on Equity (ROE) | 4.4550% | 5,065 |
| Retained earnings to average equity (ytd only) | 4.4550% | 3,919 |
| Net charge-offs to loans | 0.0594% | 3,904 |
| Credit loss provision to net charge-offs | 451.3889% | 715 |
| Earnings coverage of net charge-offs (x) | 23.8333% | 1,081 |
| Efficiency ratio | 70.9054% | 3,640 |
| Assets per employee ($millions) | 7.0505% | 743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2588% | 5,206 |
| Loan loss allowance to noncurrent loans | 96.1606% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 1.5020% | 3,608 |
| Noncurrent loans to loans | 1.3091% | 4,154 |
| Net loans and leases to total assets | 65.2890% | 2,601 |
| Net loans and leases to deposits | 76.3217% | 2,745 |
| Net loans and leases to core deposits | 82.0822% | 2,824 |
| Total domestic deposits to total assets | 85.5444% | 3,769 |
| Equity capital to assets | 11.5638% | 2,380 |
| Core capital (leverage) ratio | 11.7676% | 1,727 |
| Tier 1 risk-based capital ratio | 19.6445% | 1,797 |
| Total risk-based capital ratio | 20.8976% | 1,766 |
| Memoranda: | ||
| Average total assets | $712,266,000 | 935 |
| Average earning assets | $664,510,000 | 918 |
| Average equity | $82,694,000 | 834 |
| Average total loans | $484,619,000 | 850 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2836% | 5,808 |
| Cost of funding earning assets | 0.9219% | 3,946 |
| Net interest margin | 3.3618% | 5,607 |
| Noninterest income to average assets | 0.3027% | 5,369 |
| Noninterest expense to average assets | 2.3482% | 5,912 |
| Loan and lease loss provision to assets | 0.2415% | 3,793 |
| Net operating income to assets | 0.5607% | 4,184 |
| Return on assets (ROA) | 0.5607% | 4,370 |
| Pretax return on assets | 0.8514% | 3,768 |
| Return on Equity (ROE) | 4.7845% | 4,487 |
| Retained earnings to average equity (ytd only) | 4.7845% | 2,798 |
| Net charge-offs to loans | 0.3644% | 3,580 |
| Credit loss provision to net charge-offs | 92.9775% | 3,876 |
| Earnings coverage of net charge-offs (x) | 4.2073% | 3,220 |
| Efficiency ratio | 68.2387% | 4,308 |
| Assets per employee ($millions) | 6.8483% | 793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1612% | 5,571 |
| Loan loss allowance to noncurrent loans | 46.5114% | 5,218 |
| Noncurrent assets plus other real estate owned to assets | 1.8387% | 3,200 |
| Noncurrent loans to loans | 2.4965% | 2,628 |
| Net loans and leases to total assets | 69.1814% | 2,185 |
| Net loans and leases to deposits | 81.0776% | 2,343 |
| Net loans and leases to core deposits | 87.3720% | 2,451 |
| Total domestic deposits to total assets | 85.3274% | 3,675 |
| Equity capital to assets | 11.6570% | 2,377 |
| Core capital (leverage) ratio | 11.9267% | 1,643 |
| Tier 1 risk-based capital ratio | 19.9722% | 1,650 |
| Total risk-based capital ratio | 21.2251% | 1,619 |
| Memoranda: | ||
| Average total assets | $685,201,200 | 951 |
| Average earning assets | $639,688,800 | 926 |
| Average equity | $80,301,800 | 833 |
| Average total loans | $488,438,800 | 853 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2944% | 5,967 |
| Cost of funding earning assets | 0.9356% | 4,151 |
| Net interest margin | 3.3588% | 5,687 |
| Noninterest income to average assets | 0.3021% | 5,450 |
| Noninterest expense to average assets | 2.3559% | 5,890 |
| Loan and lease loss provision to assets | 0.1764% | 4,272 |
| Net operating income to assets | 0.5928% | 4,117 |
| Return on assets (ROA) | 0.5928% | 4,305 |
| Pretax return on assets | 0.9049% | 3,742 |
| Return on Equity (ROE) | 5.0512% | 4,513 |
| Retained earnings to average equity (ytd only) | 5.0512% | 3,139 |
| Net charge-offs to loans | 0.0903% | 5,069 |
| Credit loss provision to net charge-offs | 272.7273% | 1,049 |
| Earnings coverage of net charge-offs (x) | 16.7151% | 1,386 |
| Efficiency ratio | 68.5411% | 4,209 |
| Assets per employee ($millions) | 6.8677% | 789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3010% | 5,008 |
| Loan loss allowance to noncurrent loans | 37.8029% | 5,758 |
| Noncurrent assets plus other real estate owned to assets | 2.4946% | 2,588 |
| Noncurrent loans to loans | 3.4415% | 1,996 |
| Net loans and leases to total assets | 71.0070% | 1,905 |
| Net loans and leases to deposits | 83.4057% | 2,109 |
| Net loans and leases to core deposits | 89.8312% | 2,274 |
| Total domestic deposits to total assets | 85.1344% | 3,708 |
| Equity capital to assets | 11.8637% | 2,364 |
| Core capital (leverage) ratio | 12.0123% | 1,697 |
| Tier 1 risk-based capital ratio | 19.4299% | 1,834 |
| Total risk-based capital ratio | 20.6857% | 1,803 |
| Memoranda: | ||
| Average total assets | $680,157,250 | 966 |
| Average earning assets | $634,862,500 | 942 |
| Average equity | $79,820,750 | 846 |
| Average total loans | $487,117,750 | 873 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2478% | 6,167 |
| Cost of funding earning assets | 0.9450% | 4,360 |
| Net interest margin | 3.3028% | 5,849 |
| Noninterest income to average assets | 0.3050% | 5,458 |
| Noninterest expense to average assets | 2.4072% | 5,819 |
| Loan and lease loss provision to assets | 0.1770% | 4,154 |
| Net operating income to assets | 0.5316% | 4,372 |
| Return on assets (ROA) | 0.5316% | 4,517 |
| Pretax return on assets | 0.8015% | 4,022 |
| Return on Equity (ROE) | 4.5465% | 4,674 |
| Retained earnings to average equity (ytd only) | 4.5465% | 3,294 |
| Net charge-offs to loans | 0.1427% | 4,342 |
| Credit loss provision to net charge-offs | 173.4104% | 1,742 |
| Earnings coverage of net charge-offs (x) | 9.5867% | 1,906 |
| Efficiency ratio | 71.0987% | 3,919 |
| Assets per employee ($millions) | 6.7539% | 824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2397% | 5,363 |
| Loan loss allowance to noncurrent loans | 30.5340% | 6,230 |
| Noncurrent assets plus other real estate owned to assets | 2.9827% | 2,245 |
| Noncurrent loans to loans | 4.0600% | 1,705 |
| Net loans and leases to total assets | 72.0942% | 1,772 |
| Net loans and leases to deposits | 84.6807% | 1,994 |
| Net loans and leases to core deposits | 91.0145% | 2,254 |
| Total domestic deposits to total assets | 85.1364% | 3,818 |
| Equity capital to assets | 11.8782% | 2,189 |
| Core capital (leverage) ratio | 11.8440% | 1,695 |
| Tier 1 risk-based capital ratio | 19.3557% | 1,749 |
| Total risk-based capital ratio | 20.6085% | 1,721 |
| Memoranda: | ||
| Average total assets | $677,953,330 | 976 |
| Average earning assets | $632,373,670 | 949 |
| Average equity | $79,269,000 | 853 |
| Average total loans | $484,796,330 | 890 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2087% | 6,263 |
| Cost of funding earning assets | 0.9478% | 4,583 |
| Net interest margin | 3.2608% | 5,899 |
| Noninterest income to average assets | 0.3139% | 5,417 |
| Noninterest expense to average assets | 2.4875% | 5,600 |
| Loan and lease loss provision to assets | 0.1767% | 3,856 |
| Net operating income to assets | 0.4617% | 4,657 |
| Return on assets (ROA) | 0.4617% | 4,740 |
| Pretax return on assets | 0.6908% | 4,342 |
| Return on Equity (ROE) | 3.9801% | 4,916 |
| Retained earnings to average equity (ytd only) | 3.9801% | 3,786 |
| Net charge-offs to loans | -0.2055% | 7,261 |
| Credit loss provision to net charge-offs | -121.4575% | 5,743 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1443% | 3,488 |
| Assets per employee ($millions) | 6.7532% | 826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3360% | 4,963 |
| Loan loss allowance to noncurrent loans | 28.0884% | 6,407 |
| Noncurrent assets plus other real estate owned to assets | 3.3956% | 2,011 |
| Noncurrent loans to loans | 4.7564% | 1,446 |
| Net loans and leases to total assets | 70.0422% | 2,117 |
| Net loans and leases to deposits | 82.9957% | 2,187 |
| Net loans and leases to core deposits | 90.2205% | 2,321 |
| Total domestic deposits to total assets | 84.3926% | 4,327 |
| Equity capital to assets | 11.7255% | 2,103 |
| Core capital (leverage) ratio | 11.7518% | 1,703 |
| Tier 1 risk-based capital ratio | 19.3041% | 1,735 |
| Total risk-based capital ratio | 20.5580% | 1,701 |
| Memoranda: | ||
| Average total assets | $679,235,500 | 985 |
| Average earning assets | $633,455,500 | 956 |
| Average equity | $78,791,500 | 845 |
| Average total loans | $480,680,500 | 911 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5664% | 6,198 |
| Cost of funding earning assets | 1.1591% | 4,795 |
| Net interest margin | 3.4073% | 5,600 |
| Noninterest income to average assets | 0.2749% | 5,819 |
| Noninterest expense to average assets | 2.2353% | 6,530 |
| Loan and lease loss provision to assets | 0.6506% | 2,536 |
| Net operating income to assets | 0.3801% | 4,638 |
| Return on assets (ROA) | 0.3627% | 4,857 |
| Pretax return on assets | 0.5336% | 4,520 |
| Return on Equity (ROE) | 3.1701% | 4,884 |
| Retained earnings to average equity (ytd only) | 3.1701% | 3,648 |
| Net charge-offs to loans | 0.5395% | 3,457 |
| Credit loss provision to net charge-offs | 169.6911% | 1,999 |
| Earnings coverage of net charge-offs (x) | 3.1556% | 3,491 |
| Efficiency ratio | 64.8821% | 5,183 |
| Assets per employee ($millions) | 6.9709% | 747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2155% | 5,436 |
| Loan loss allowance to noncurrent loans | 26.7159% | 6,502 |
| Noncurrent assets plus other real estate owned to assets | 3.2284% | 2,192 |
| Noncurrent loans to loans | 4.5497% | 1,548 |
| Net loans and leases to total assets | 69.6901% | 2,605 |
| Net loans and leases to deposits | 83.1140% | 2,604 |
| Net loans and leases to core deposits | 90.4524% | 2,701 |
| Total domestic deposits to total assets | 83.8488% | 4,426 |
| Equity capital to assets | 11.4760% | 2,279 |
| Core capital (leverage) ratio | 11.5519% | 1,807 |
| Tier 1 risk-based capital ratio | 18.1996% | 1,940 |
| Total risk-based capital ratio | 19.4510% | 1,903 |
| Memoranda: | ||
| Average total assets | $675,539,000 | 979 |
| Average earning assets | $628,525,200 | 959 |
| Average equity | $77,284,200 | 853 |
| Average total loans | $480,070,400 | 937 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6354% | 6,242 |
| Cost of funding earning assets | 1.2130% | 4,781 |
| Net interest margin | 3.4224% | 5,598 |
| Noninterest income to average assets | 0.2694% | 5,960 |
| Noninterest expense to average assets | 2.2326% | 6,518 |
| Loan and lease loss provision to assets | 0.8046% | 1,889 |
| Net operating income to assets | 0.2939% | 5,191 |
| Return on assets (ROA) | 0.2696% | 5,444 |
| Pretax return on assets | 0.3798% | 5,282 |
| Return on Equity (ROE) | 2.3582% | 5,473 |
| Retained earnings to average equity (ytd only) | 2.3582% | 4,754 |
| Net charge-offs to loans | 0.7172% | 2,628 |
| Credit loss provision to net charge-offs | 157.5581% | 2,425 |
| Earnings coverage of net charge-offs (x) | 2.3864% | 3,981 |
| Efficiency ratio | 64.6900% | 5,111 |
| Assets per employee ($millions) | 6.9730% | 779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1491% | 5,714 |
| Loan loss allowance to noncurrent loans | 23.7858% | 6,718 |
| Noncurrent assets plus other real estate owned to assets | 3.4788% | 2,051 |
| Noncurrent loans to loans | 4.8310% | 1,454 |
| Net loans and leases to total assets | 71.1813% | 2,442 |
| Net loans and leases to deposits | 85.4000% | 2,453 |
| Net loans and leases to core deposits | 93.5277% | 2,588 |
| Total domestic deposits to total assets | 83.3504% | 4,436 |
| Equity capital to assets | 11.5543% | 2,492 |
| Core capital (leverage) ratio | 11.2967% | 2,068 |
| Tier 1 risk-based capital ratio | 18.2207% | 1,962 |
| Total risk-based capital ratio | 19.4744% | 1,915 |
| Memoranda: | ||
| Average total assets | $673,636,250 | 992 |
| Average earning assets | $626,289,750 | 970 |
| Average equity | $77,005,750 | 857 |
| Average total loans | $479,601,500 | 943 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6739% | 6,235 |
| Cost of funding earning assets | 1.2381% | 4,907 |
| Net interest margin | 3.4357% | 5,493 |
| Noninterest income to average assets | 0.2729% | 5,969 |
| Noninterest expense to average assets | 2.2887% | 6,385 |
| Loan and lease loss provision to assets | 0.1778% | 5,094 |
| Net operating income to assets | 0.6432% | 3,655 |
| Return on assets (ROA) | 0.6432% | 3,809 |
| Pretax return on assets | 0.9987% | 3,118 |
| Return on Equity (ROE) | 5.6468% | 3,967 |
| Retained earnings to average equity (ytd only) | 5.6468% | 2,528 |
| Net charge-offs to loans | 0.0221% | 6,029 |
| Credit loss provision to net charge-offs | 1,132.0755% | 335 |
| Earnings coverage of net charge-offs (x) | 74.9245% | 420 |
| Efficiency ratio | 66.0482% | 4,972 |
| Assets per employee ($millions) | 7.2610% | 681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9715% | 6,516 |
| Loan loss allowance to noncurrent loans | 56.1112% | 4,566 |
| Noncurrent assets plus other real estate owned to assets | 1.2011% | 4,740 |
| Noncurrent loans to loans | 1.7314% | 4,088 |
| Net loans and leases to total assets | 68.6987% | 3,198 |
| Net loans and leases to deposits | 85.8648% | 2,523 |
| Net loans and leases to core deposits | 94.6289% | 2,630 |
| Total domestic deposits to total assets | 80.0080% | 5,721 |
| Equity capital to assets | 11.4248% | 2,500 |
| Core capital (leverage) ratio | 11.4413% | 1,943 |
| Tier 1 risk-based capital ratio | 18.5570% | 1,817 |
| Total risk-based capital ratio | 19.6499% | 1,827 |
| Memoranda: | ||
| Average total assets | $675,046,670 | 996 |
| Average earning assets | $627,229,000 | 977 |
| Average equity | $76,892,670 | 857 |
| Average total loans | $478,792,000 | 956 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7766% | 5,981 |
| Cost of funding earning assets | 1.2723% | 4,984 |
| Net interest margin | 3.5044% | 5,135 |
| Noninterest income to average assets | 0.2806% | 5,895 |
| Noninterest expense to average assets | 2.2720% | 6,473 |
| Loan and lease loss provision to assets | 0.1788% | 4,735 |
| Net operating income to assets | 0.6900% | 3,485 |
| Return on assets (ROA) | 0.6900% | 3,600 |
| Pretax return on assets | 1.0779% | 2,809 |
| Return on Equity (ROE) | 6.0668% | 3,848 |
| Retained earnings to average equity (ytd only) | 6.0668% | 2,593 |
| Net charge-offs to loans | 0.0066% | 5,512 |
| Credit loss provision to net charge-offs | 3,750.0000% | 121 |
| Earnings coverage of net charge-offs (x) | 263.6250% | 130 |
| Efficiency ratio | 64.3870% | 5,413 |
| Assets per employee ($millions) | 7.0057% | 811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9103% | 6,814 |
| Loan loss allowance to noncurrent loans | 79.3790% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 0.8141% | 5,530 |
| Noncurrent loans to loans | 1.1468% | 5,078 |
| Net loans and leases to total assets | 70.3426% | 2,848 |
| Net loans and leases to deposits | 88.0601% | 2,216 |
| Net loans and leases to core deposits | 97.0642% | 2,454 |
| Total domestic deposits to total assets | 79.8802% | 5,826 |
| Equity capital to assets | 11.4393% | 2,411 |
| Core capital (leverage) ratio | 11.4772% | 1,926 |
| Tier 1 risk-based capital ratio | 18.6622% | 1,800 |
| Total risk-based capital ratio | 19.7146% | 1,810 |
| Memoranda: | ||
| Average total assets | $671,303,000 | 1,028 |
| Average earning assets | $622,197,000 | 1,004 |
| Average equity | $76,350,000 | 865 |
| Average total loans | $481,442,000 | 981 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1611% | 5,828 |
| Cost of funding earning assets | 1.6413% | 4,840 |
| Net interest margin | 3.5198% | 4,871 |
| Noninterest income to average assets | 0.2602% | 6,254 |
| Noninterest expense to average assets | 2.2224% | 6,933 |
| Loan and lease loss provision to assets | 0.1521% | 6,145 |
| Net operating income to assets | 0.7390% | 2,778 |
| Return on assets (ROA) | 0.7390% | 2,860 |
| Pretax return on assets | 1.1495% | 2,099 |
| Return on Equity (ROE) | 6.6466% | 2,934 |
| Retained earnings to average equity (ytd only) | 6.6466% | 1,096 |
| Net charge-offs to loans | 0.0521% | 6,576 |
| Credit loss provision to net charge-offs | 393.7008% | 808 |
| Earnings coverage of net charge-offs (x) | 33.6811% | 693 |
| Efficiency ratio | 63.0645% | 5,954 |
| Assets per employee ($millions) | 6.9798% | 804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8351% | 7,030 |
| Loan loss allowance to noncurrent loans | 79.8818% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 0.7574% | 5,593 |
| Noncurrent loans to loans | 1.0454% | 5,229 |
| Net loans and leases to total assets | 71.8440% | 2,791 |
| Net loans and leases to deposits | 90.6654% | 2,114 |
| Net loans and leases to core deposits | 117.9866% | 2,132 |
| Total domestic deposits to total assets | 79.2408% | 5,921 |
| Equity capital to assets | 11.3072% | 2,459 |
| Core capital (leverage) ratio | 11.3688% | 1,996 |
| Tier 1 risk-based capital ratio | 18.0521% | 1,881 |
| Total risk-based capital ratio | 19.0160% | 1,907 |
| Memoranda: | ||
| Average total assets | $657,259,600 | 1,054 |
| Average earning assets | $609,461,800 | 1,029 |
| Average equity | $73,075,400 | 892 |
| Average total loans | $487,831,800 | 990 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2299% | 5,761 |
| Cost of funding earning assets | 1.7188% | 4,806 |
| Net interest margin | 3.5112% | 4,818 |
| Noninterest income to average assets | 0.2585% | 6,385 |
| Noninterest expense to average assets | 2.2466% | 6,849 |
| Loan and lease loss provision to assets | 0.1427% | 5,928 |
| Net operating income to assets | 0.7263% | 3,112 |
| Return on assets (ROA) | 0.7263% | 3,178 |
| Pretax return on assets | 1.1257% | 2,488 |
| Return on Equity (ROE) | 6.5613% | 3,276 |
| Retained earnings to average equity (ytd only) | 6.5613% | 1,680 |
| Net charge-offs to loans | 0.0666% | 6,027 |
| Credit loss provision to net charge-offs | 286.8852% | 1,456 |
| Earnings coverage of net charge-offs (x) | 25.4996% | 1,053 |
| Efficiency ratio | 63.9158% | 5,772 |
| Assets per employee ($millions) | 6.9393% | 809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7648% | 7,215 |
| Loan loss allowance to noncurrent loans | 89.4699% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 0.6382% | 5,852 |
| Noncurrent loans to loans | 0.8548% | 5,588 |
| Net loans and leases to total assets | 74.0866% | 2,493 |
| Net loans and leases to deposits | 92.8631% | 2,082 |
| Net loans and leases to core deposits | 122.5105% | 2,029 |
| Total domestic deposits to total assets | 79.7804% | 5,526 |
| Equity capital to assets | 11.2593% | 2,784 |
| Core capital (leverage) ratio | 11.0847% | 2,348 |
| Tier 1 risk-based capital ratio | 18.0790% | 1,962 |
| Total risk-based capital ratio | 18.9906% | 2,011 |
| Memoranda: | ||
| Average total assets | $654,059,750 | 1,075 |
| Average earning assets | $606,623,750 | 1,042 |
| Average equity | $72,403,000 | 914 |
| Average total loans | $488,427,000 | 1,001 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2758% | 5,762 |
| Cost of funding earning assets | 1.7882% | 4,819 |
| Net interest margin | 3.4875% | 4,854 |
| Noninterest income to average assets | 0.2606% | 6,410 |
| Noninterest expense to average assets | 2.2866% | 6,790 |
| Loan and lease loss provision to assets | 0.1226% | 5,886 |
| Net operating income to assets | 0.7030% | 3,238 |
| Return on assets (ROA) | 0.7030% | 3,345 |
| Pretax return on assets | 1.0869% | 2,678 |
| Return on Equity (ROE) | 6.3876% | 3,485 |
| Retained earnings to average equity (ytd only) | 6.3876% | 1,850 |
| Net charge-offs to loans | 0.0341% | 5,984 |
| Credit loss provision to net charge-offs | 481.9277% | 961 |
| Earnings coverage of net charge-offs (x) | 47.5301% | 711 |
| Efficiency ratio | 65.4038% | 5,643 |
| Assets per employee ($millions) | 7.1821% | 710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7455% | 7,315 |
| Loan loss allowance to noncurrent loans | 307.3791% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.1746% | 7,113 |
| Noncurrent loans to loans | 0.2425% | 6,907 |
| Net loans and leases to total assets | 71.4689% | 3,358 |
| Net loans and leases to deposits | 89.1693% | 2,960 |
| Net loans and leases to core deposits | 119.3414% | 2,424 |
| Total domestic deposits to total assets | 80.1497% | 5,418 |
| Equity capital to assets | 10.8012% | 3,115 |
| Core capital (leverage) ratio | 11.0041% | 2,393 |
| Tier 1 risk-based capital ratio | 18.0372% | 2,012 |
| Total risk-based capital ratio | 18.9286% | 2,049 |
| Memoranda: | ||
| Average total assets | $652,335,330 | 1,098 |
| Average earning assets | $605,182,330 | 1,061 |
| Average equity | $71,795,670 | 937 |
| Average total loans | $487,180,330 | 1,026 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4341% | 5,254 |
| Cost of funding earning assets | 1.8831% | 4,727 |
| Net interest margin | 3.5510% | 4,523 |
| Noninterest income to average assets | 0.2702% | 6,274 |
| Noninterest expense to average assets | 2.2692% | 6,635 |
| Loan and lease loss provision to assets | 0.0936% | 5,758 |
| Net operating income to assets | 0.7757% | 3,232 |
| Return on assets (ROA) | 0.7757% | 3,403 |
| Pretax return on assets | 1.2039% | 2,617 |
| Return on Equity (ROE) | 6.9799% | 3,602 |
| Retained earnings to average equity (ytd only) | 6.9799% | 2,215 |
| Net charge-offs to loans | 0.0550% | 4,699 |
| Credit loss provision to net charge-offs | 223.8806% | 2,031 |
| Earnings coverage of net charge-offs (x) | 31.0299% | 1,027 |
| Efficiency ratio | 63.6220% | 5,758 |
| Assets per employee ($millions) | 7.0838% | 743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6903% | 7,465 |
| Loan loss allowance to noncurrent loans | 426.9521% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.1205% | 7,228 |
| Noncurrent loans to loans | 0.1617% | 7,066 |
| Net loans and leases to total assets | 74.0315% | 2,746 |
| Net loans and leases to deposits | 92.9788% | 2,438 |
| Net loans and leases to core deposits | 124.5278% | 2,036 |
| Total domestic deposits to total assets | 79.6219% | 5,499 |
| Equity capital to assets | 10.9082% | 3,061 |
| Core capital (leverage) ratio | 11.2072% | 2,332 |
| Tier 1 risk-based capital ratio | 16.8707% | 2,375 |
| Total risk-based capital ratio | 17.6618% | 2,494 |
| Memoranda: | ||
| Average total assets | $640,942,000 | 1,117 |
| Average earning assets | $594,989,000 | 1,083 |
| Average equity | $71,233,000 | 948 |
| Average total loans | $487,707,500 | 1,036 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9979% | 5,554 |
| Cost of funding earning assets | 2.4397% | 4,529 |
| Net interest margin | 3.5582% | 5,062 |
| Noninterest income to average assets | 0.2853% | 6,424 |
| Noninterest expense to average assets | 2.0989% | 7,243 |
| Loan and lease loss provision to assets | 0.1128% | 5,929 |
| Net operating income to assets | 0.8705% | 3,132 |
| Return on assets (ROA) | 0.8705% | 2,982 |
| Pretax return on assets | 1.3569% | 2,105 |
| Return on Equity (ROE) | 7.9616% | 3,090 |
| Retained earnings to average equity (ytd only) | 7.9616% | 855 |
| Net charge-offs to loans | 0.0709% | 5,756 |
| Credit loss provision to net charge-offs | 208.3333% | 2,324 |
| Earnings coverage of net charge-offs (x) | 27.1488% | 1,254 |
| Efficiency ratio | 58.8153% | 6,554 |
| Assets per employee ($millions) | 7.5071% | 561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6830% | 7,472 |
| Loan loss allowance to noncurrent loans | 854.7804% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.0621% | 7,317 |
| Noncurrent loans to loans | 0.0799% | 7,184 |
| Net loans and leases to total assets | 77.1962% | 2,327 |
| Net loans and leases to deposits | 99.5476% | 1,897 |
| Net loans and leases to core deposits | 127.2285% | 2,066 |
| Total domestic deposits to total assets | 77.5470% | 5,860 |
| Equity capital to assets | 11.3312% | 2,768 |
| Core capital (leverage) ratio | 11.3386% | 2,344 |
| Tier 1 risk-based capital ratio | 17.8903% | 2,066 |
| Total risk-based capital ratio | 18.7231% | 2,123 |
| Memoranda: | ||
| Average total assets | $620,665,200 | 1,079 |
| Average earning assets | $572,704,000 | 1,079 |
| Average equity | $67,863,600 | 985 |
| Average total loans | $474,067,400 | 1,019 |