Home > United Valley Bank > Performance and Condition Ratios
United Valley Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2062% | 2,709 |
| Cost of funding earning assets | 1.9024% | 2,192 |
| Net interest margin | 3.3038% | 2,764 |
| Noninterest income to average assets | 0.1600% | 3,792 |
| Noninterest expense to average assets | 2.1694% | 3,197 |
| Loan and lease loss provision to assets | 0.0500% | 1,971 |
| Net operating income to assets | 1.0653% | 2,102 |
| Return on assets (ROA) | 1.0564% | 2,124 |
| Pretax return on assets | 1.0564% | 2,603 |
| Return on Equity (ROE) | 11.1300% | 1,981 |
| Retained earnings to average equity (ytd only) | 4.8790% | 2,600 |
| Net charge-offs to loans | -0.0017% | 3,528 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 64.7112% | 2,394 |
| Assets per employee ($millions) | 8.9608% | 1,131 |
| Cash dividends to net income (ytd only)* | 56.1512% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3509% | 1,486 |
| Loan loss allowance to noncurrent loans | 77.7456% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 1.2329% | 533 |
| Noncurrent loans to loans | 1.7376% | 526 |
| Net loans and leases to total assets | 70.0000% | 1,836 |
| Net loans and leases to deposits | 79.1323% | 2,137 |
| Net loans and leases to core deposits | 91.4815% | 1,951 |
| Total domestic deposits to total assets | 88.4600% | 1,395 |
| Equity capital to assets | 10.4916% | 1,923 |
| Core capital (leverage) ratio | 10.7030% | 2,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9928% | 1,522 |
| Memoranda: | ||
| Average total assets | $670,955,000 | 1,405 |
| Average earning assets | $634,783,000 | 1,377 |
| Average equity | $63,702,000 | 1,477 |
| Average total loans | $473,447,000 | 1,365 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2408% | 2,646 |
| Cost of funding earning assets | 1.9962% | 2,225 |
| Net interest margin | 3.2445% | 2,628 |
| Noninterest income to average assets | 0.1900% | 3,762 |
| Noninterest expense to average assets | 2.1554% | 3,246 |
| Loan and lease loss provision to assets | 0.1100% | 1,276 |
| Net operating income to assets | 1.0002% | 2,056 |
| Return on assets (ROA) | 0.9998% | 2,050 |
| Pretax return on assets | 0.9998% | 2,528 |
| Return on Equity (ROE) | 11.5500% | 1,726 |
| Retained earnings to average equity (ytd only) | 3.4613% | 2,845 |
| Net charge-offs to loans | -0.0020% | 3,788 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 64.5945% | 2,657 |
| Assets per employee ($millions) | 8.6994% | 1,180 |
| Cash dividends to net income (ytd only)* | 70.0311% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3531% | 1,462 |
| Loan loss allowance to noncurrent loans | 79.6095% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 1.1927% | 535 |
| Noncurrent loans to loans | 1.6997% | 518 |
| Net loans and leases to total assets | 69.2200% | 1,997 |
| Net loans and leases to deposits | 76.5178% | 2,403 |
| Net loans and leases to core deposits | 88.7796% | 2,199 |
| Total domestic deposits to total assets | 90.4600% | 674 |
| Equity capital to assets | 8.4935% | 3,201 |
| Core capital (leverage) ratio | 8.8389% | 3,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8581% | 2,270 |
| Memoranda: | ||
| Average total assets | $644,100,800 | 1,439 |
| Average earning assets | $610,196,000 | 1,408 |
| Average equity | $55,759,800 | 1,583 |
| Average total loans | $445,414,400 | 1,420 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1902% | 2,677 |
| Cost of funding earning assets | 1.9723% | 2,282 |
| Net interest margin | 3.2179% | 2,645 |
| Noninterest income to average assets | 0.2000% | 3,691 |
| Noninterest expense to average assets | 2.1557% | 3,198 |
| Loan and lease loss provision to assets | 0.1500% | 844 |
| Net operating income to assets | 0.9489% | 2,216 |
| Return on assets (ROA) | 0.9468% | 2,236 |
| Pretax return on assets | 0.9468% | 2,697 |
| Return on Equity (ROE) | 10.8800% | 1,929 |
| Retained earnings to average equity (ytd only) | 2.3865% | 3,353 |
| Net charge-offs to loans | -0.0018% | 3,682 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 64.8508% | 2,613 |
| Assets per employee ($millions) | 8.9529% | 1,082 |
| Cash dividends to net income (ytd only)* | 78.0698% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3926% | 1,373 |
| Loan loss allowance to noncurrent loans | 81.0635% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 1.1999% | 507 |
| Noncurrent loans to loans | 1.7179% | 504 |
| Net loans and leases to total assets | 68.8700% | 1,974 |
| Net loans and leases to deposits | 78.5136% | 2,312 |
| Net loans and leases to core deposits | 90.5268% | 2,105 |
| Total domestic deposits to total assets | 87.7200% | 1,324 |
| Equity capital to assets | 8.9486% | 3,073 |
| Core capital (leverage) ratio | 8.9277% | 3,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7410% | 2,334 |
| Memoranda: | ||
| Average total assets | $637,663,250 | 1,444 |
| Average earning assets | $604,098,750 | 1,416 |
| Average equity | $55,476,250 | 1,579 |
| Average total loans | $439,261,750 | 1,428 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0935% | 2,772 |
| Cost of funding earning assets | 1.8829% | 2,404 |
| Net interest margin | 3.2106% | 2,614 |
| Noninterest income to average assets | 0.2200% | 3,548 |
| Noninterest expense to average assets | 2.1535% | 3,198 |
| Loan and lease loss provision to assets | 0.0900% | 1,288 |
| Net operating income to assets | 1.0197% | 1,935 |
| Return on assets (ROA) | 1.0118% | 1,955 |
| Pretax return on assets | 1.0118% | 2,445 |
| Return on Equity (ROE) | 11.7500% | 1,691 |
| Retained earnings to average equity (ytd only) | 2.3461% | 3,234 |
| Net charge-offs to loans | -0.0046% | 3,783 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 64.4343% | 2,716 |
| Assets per employee ($millions) | 8.0897% | 1,404 |
| Cash dividends to net income (ytd only)* | 80.0250% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3503% | 1,544 |
| Loan loss allowance to noncurrent loans | 79.7565% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 1.1845% | 472 |
| Noncurrent loans to loans | 1.6930% | 479 |
| Net loans and leases to total assets | 69.0200% | 2,018 |
| Net loans and leases to deposits | 78.5536% | 2,327 |
| Net loans and leases to core deposits | 89.2168% | 2,193 |
| Total domestic deposits to total assets | 87.8600% | 1,371 |
| Equity capital to assets | 8.7081% | 2,953 |
| Core capital (leverage) ratio | 9.0963% | 3,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0080% | 2,252 |
| Memoranda: | ||
| Average total assets | $632,362,667 | 1,453 |
| Average earning assets | $599,509,333 | 1,418 |
| Average equity | $54,473,333 | 1,582 |
| Average total loans | $433,520,000 | 1,449 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7121% | 2,649 |
| Cost of funding earning assets | 1.4133% | 2,195 |
| Net interest margin | 3.2988% | 2,638 |
| Noninterest income to average assets | 0.1500% | 4,057 |
| Noninterest expense to average assets | 2.0869% | 3,439 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.1752% | 1,705 |
| Return on assets (ROA) | 1.1895% | 1,648 |
| Pretax return on assets | 1.1895% | 2,171 |
| Return on Equity (ROE) | 14.3700% | 1,407 |
| Retained earnings to average equity (ytd only) | 7.0191% | 1,892 |
| Net charge-offs to loans | -0.0005% | 3,548 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 62.4613% | 2,784 |
| Assets per employee ($millions) | 8.8057% | 1,058 |
| Cash dividends to net income (ytd only)* | 51.1711% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2909% | 1,812 |
| Loan loss allowance to noncurrent loans | 82.4242% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 1.2426% | 342 |
| Noncurrent loans to loans | 1.5662% | 426 |
| Net loans and leases to total assets | 68.1500% | 2,019 |
| Net loans and leases to deposits | 75.3618% | 2,514 |
| Net loans and leases to core deposits | 84.7557% | 2,399 |
| Total domestic deposits to total assets | 90.4400% | 639 |
| Equity capital to assets | 8.5638% | 3,003 |
| Core capital (leverage) ratio | 8.9356% | 3,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6791% | 2,349 |
| Memoranda: | ||
| Average total assets | $613,782,600 | 1,451 |
| Average earning assets | $579,570,600 | 1,418 |
| Average equity | $50,790,000 | 1,590 |
| Average total loans | $420,627,400 | 1,425 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5963% | 2,687 |
| Cost of funding earning assets | 1.2657% | 2,237 |
| Net interest margin | 3.3306% | 2,619 |
| Noninterest income to average assets | 0.1300% | 4,175 |
| Noninterest expense to average assets | 2.0788% | 3,397 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1988% | 1,804 |
| Return on assets (ROA) | 1.2049% | 1,775 |
| Pretax return on assets | 1.2049% | 2,286 |
| Return on Equity (ROE) | 14.6900% | 1,507 |
| Retained earnings to average equity (ytd only) | 7.3191% | 2,194 |
| Net charge-offs to loans | 0.0013% | 2,567 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 1,368.2500% | 120 |
| Efficiency ratio | 61.9086% | 2,728 |
| Assets per employee ($millions) | 8.6605% | 1,055 |
| Cash dividends to net income (ytd only)* | 50.1909% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3032% | 1,854 |
| Loan loss allowance to noncurrent loans | 77.9356% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 1.2716% | 334 |
| Noncurrent loans to loans | 1.6721% | 408 |
| Net loans and leases to total assets | 67.9600% | 2,043 |
| Net loans and leases to deposits | 78.0674% | 2,239 |
| Net loans and leases to core deposits | 93.3324% | 1,711 |
| Total domestic deposits to total assets | 87.0500% | 1,879 |
| Equity capital to assets | 7.8639% | 3,142 |
| Core capital (leverage) ratio | 8.9226% | 3,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6535% | 2,406 |
| Memoranda: | ||
| Average total assets | $608,726,000 | 1,464 |
| Average earning assets | $574,538,500 | 1,433 |
| Average equity | $49,913,750 | 1,595 |
| Average total loans | $416,345,250 | 1,429 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4052% | 2,877 |
| Cost of funding earning assets | 1.0046% | 2,592 |
| Net interest margin | 3.4007% | 2,508 |
| Noninterest income to average assets | 0.1100% | 4,276 |
| Noninterest expense to average assets | 2.0902% | 3,369 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2273% | 1,758 |
| Return on assets (ROA) | 1.2316% | 1,737 |
| Pretax return on assets | 1.2316% | 2,281 |
| Return on Equity (ROE) | 14.8100% | 1,508 |
| Retained earnings to average equity (ytd only) | 7.1186% | 2,245 |
| Net charge-offs to loans | -0.0039% | 3,656 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.4978% | 2,776 |
| Assets per employee ($millions) | 8.3919% | 1,141 |
| Cash dividends to net income (ytd only)* | 51.9365% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3338% | 1,787 |
| Loan loss allowance to noncurrent loans | 648.5346% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.2617% | 1,893 |
| Noncurrent loans to loans | 0.2057% | 2,440 |
| Net loans and leases to total assets | 66.8000% | 2,079 |
| Net loans and leases to deposits | 77.8205% | 2,149 |
| Net loans and leases to core deposits | 87.8899% | 1,935 |
| Total domestic deposits to total assets | 85.8400% | 2,284 |
| Equity capital to assets | 8.2978% | 3,026 |
| Core capital (leverage) ratio | 8.9748% | 3,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4189% | 2,127 |
| Memoranda: | ||
| Average total assets | $603,782,000 | 1,465 |
| Average earning assets | $570,183,333 | 1,441 |
| Average equity | $50,206,333 | 1,594 |
| Average total loans | $412,013,667 | 1,427 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1252% | 3,201 |
| Cost of funding earning assets | 0.7027% | 3,048 |
| Net interest margin | 3.4225% | 2,578 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 2.1276% | 3,316 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2914% | 1,695 |
| Return on assets (ROA) | 1.3014% | 1,634 |
| Pretax return on assets | 1.3014% | 2,168 |
| Return on Equity (ROE) | 15.6300% | 1,432 |
| Retained earnings to average equity (ytd only) | 8.3699% | 2,127 |
| Net charge-offs to loans | -0.0273% | 4,187 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.7457% | 2,853 |
| Assets per employee ($millions) | 8.7937% | 1,015 |
| Cash dividends to net income (ytd only)* | 46.4615% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3729% | 1,723 |
| Loan loss allowance to noncurrent loans | 484.4677% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.3537% | 1,450 |
| Noncurrent loans to loans | 0.2834% | 2,131 |
| Net loans and leases to total assets | 65.7300% | 2,087 |
| Net loans and leases to deposits | 73.8588% | 2,304 |
| Net loans and leases to core deposits | 79.9189% | 2,259 |
| Total domestic deposits to total assets | 89.0000% | 1,548 |
| Equity capital to assets | 8.4751% | 2,916 |
| Core capital (leverage) ratio | 9.1881% | 3,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3884% | 2,224 |
| Memoranda: | ||
| Average total assets | $599,369,500 | 1,503 |
| Average earning assets | $565,791,000 | 1,475 |
| Average equity | $49,893,000 | 1,615 |
| Average total loans | $410,642,500 | 1,446 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5943% | 2,822 |
| Cost of funding earning assets | 0.2323% | 3,491 |
| Net interest margin | 3.3620% | 2,380 |
| Noninterest income to average assets | 0.1600% | 4,171 |
| Noninterest expense to average assets | 2.0919% | 3,317 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.1792% | 1,864 |
| Return on assets (ROA) | 1.1746% | 1,814 |
| Pretax return on assets | 1.1746% | 2,522 |
| Return on Equity (ROE) | 13.5600% | 1,640 |
| Retained earnings to average equity (ytd only) | 6.5624% | 2,426 |
| Net charge-offs to loans | -0.0015% | 3,401 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.1729% | 2,885 |
| Assets per employee ($millions) | 8.4567% | 1,109 |
| Cash dividends to net income (ytd only)* | 51.6012% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2783% | 2,002 |
| Loan loss allowance to noncurrent loans | 486.6667% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.3539% | 1,450 |
| Noncurrent loans to loans | 0.2627% | 2,214 |
| Net loans and leases to total assets | 69.5200% | 1,684 |
| Net loans and leases to deposits | 78.4828% | 1,895 |
| Net loans and leases to core deposits | 82.3546% | 1,984 |
| Total domestic deposits to total assets | 88.5800% | 1,852 |
| Equity capital to assets | 8.1697% | 2,951 |
| Core capital (leverage) ratio | 9.1775% | 3,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8961% | 2,417 |
| Memoranda: | ||
| Average total assets | $584,872,200 | 1,525 |
| Average earning assets | $551,955,800 | 1,499 |
| Average equity | $50,667,600 | 1,602 |
| Average total loans | $387,609,800 | 1,435 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4079% | 2,897 |
| Cost of funding earning assets | 0.1708% | 3,619 |
| Net interest margin | 3.2371% | 2,506 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 2.0984% | 3,214 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.0985% | 2,107 |
| Return on assets (ROA) | 1.0889% | 2,111 |
| Pretax return on assets | 1.0889% | 2,757 |
| Return on Equity (ROE) | 12.3900% | 1,915 |
| Retained earnings to average equity (ytd only) | 5.5212% | 2,917 |
| Net charge-offs to loans | 0.0235% | 1,359 |
| Credit loss provision to net charge-offs | 559.7015% | 573 |
| Earnings coverage of net charge-offs (x) | 77.2985% | 1,058 |
| Efficiency ratio | 62.3433% | 2,789 |
| Assets per employee ($millions) | 8.4848% | 1,073 |
| Cash dividends to net income (ytd only)* | 55.4389% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2928% | 2,063 |
| Loan loss allowance to noncurrent loans | 373.0305% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 0.4733% | 1,140 |
| Noncurrent loans to loans | 0.3466% | 1,986 |
| Net loans and leases to total assets | 69.5600% | 1,519 |
| Net loans and leases to deposits | 76.9238% | 1,802 |
| Net loans and leases to core deposits | 83.5563% | 1,687 |
| Total domestic deposits to total assets | 90.4200% | 1,463 |
| Equity capital to assets | 7.7906% | 3,026 |
| Core capital (leverage) ratio | 9.1467% | 3,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9346% | 2,500 |
| Memoranda: | ||
| Average total assets | $583,097,500 | 1,534 |
| Average earning assets | $550,438,250 | 1,507 |
| Average equity | $51,244,000 | 1,614 |
| Average total loans | $380,293,000 | 1,451 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2382% | 2,929 |
| Cost of funding earning assets | 0.1393% | 3,720 |
| Net interest margin | 3.0989% | 2,541 |
| Noninterest income to average assets | 0.2396% | 3,736 |
| Noninterest expense to average assets | 2.1352% | 3,044 |
| Loan and lease loss provision to assets | 0.0769% | 1,257 |
| Net operating income to assets | 0.9540% | 2,342 |
| Return on assets (ROA) | 0.9382% | 2,386 |
| Pretax return on assets | 0.9382% | 2,935 |
| Return on Equity (ROE) | 10.2920% | 2,233 |
| Retained earnings to average equity (ytd only) | 3.0745% | 3,419 |
| Net charge-offs to loans | 0.0334% | 1,069 |
| Credit loss provision to net charge-offs | 362.9032% | 729 |
| Earnings coverage of net charge-offs (x) | 48.6452% | 1,173 |
| Efficiency ratio | 65.8102% | 2,538 |
| Assets per employee ($millions) | 8.1654% | 1,221 |
| Cash dividends to net income (ytd only)* | 70.1275% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3269% | 2,061 |
| Loan loss allowance to noncurrent loans | 349.1120% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 0.4876% | 1,165 |
| Noncurrent loans to loans | 0.3801% | 1,999 |
| Net loans and leases to total assets | 66.4956% | 1,632 |
| Net loans and leases to deposits | 73.0447% | 1,953 |
| Net loans and leases to core deposits | 75.6216% | 2,048 |
| Total domestic deposits to total assets | 91.0341% | 1,221 |
| Equity capital to assets | 8.4436% | 2,806 |
| Core capital (leverage) ratio | 8.9230% | 3,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2199% | 2,402 |
| Memoranda: | ||
| Average total assets | $585,142,000 | 1,535 |
| Average earning assets | $552,590,667 | 1,509 |
| Average equity | $53,342,333 | 1,602 |
| Average total loans | $371,535,667 | 1,471 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0609% | 3,082 |
| Cost of funding earning assets | 0.1466% | 3,543 |
| Net interest margin | 2.9143% | 2,789 |
| Noninterest income to average assets | 0.2602% | 3,576 |
| Noninterest expense to average assets | 2.1070% | 3,122 |
| Loan and lease loss provision to assets | 0.0338% | 1,751 |
| Net operating income to assets | 0.8738% | 2,395 |
| Return on assets (ROA) | 0.8582% | 2,450 |
| Pretax return on assets | 0.8582% | 2,916 |
| Return on Equity (ROE) | 9.0905% | 2,286 |
| Retained earnings to average equity (ytd only) | -0.0358% | 4,015 |
| Net charge-offs to loans | -0.0011% | 3,021 |
| Credit loss provision to net charge-offs | -5,000.0000% | 3,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1910% | 2,481 |
| Assets per employee ($millions) | 8.0101% | 1,356 |
| Cash dividends to net income (ytd only)* | 100.3937% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3820% | 1,981 |
| Loan loss allowance to noncurrent loans | 358.8658% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.4712% | 1,291 |
| Noncurrent loans to loans | 0.3851% | 2,104 |
| Net loans and leases to total assets | 61.0078% | 1,961 |
| Net loans and leases to deposits | 67.5220% | 2,197 |
| Net loans and leases to core deposits | 69.9239% | 2,300 |
| Total domestic deposits to total assets | 90.3524% | 1,354 |
| Equity capital to assets | 8.9471% | 2,756 |
| Core capital (leverage) ratio | 8.4544% | 3,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8960% | 2,261 |
| Memoranda: | ||
| Average total assets | $591,923,500 | 1,521 |
| Average earning assets | $559,441,000 | 1,502 |
| Average equity | $55,882,500 | 1,578 |
| Average total loans | $364,710,500 | 1,479 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5240% | 2,593 |
| Cost of funding earning assets | 0.2174% | 3,292 |
| Net interest margin | 3.3066% | 2,301 |
| Noninterest income to average assets | 0.2405% | 3,941 |
| Noninterest expense to average assets | 2.2172% | 3,021 |
| Loan and lease loss provision to assets | 0.0804% | 1,526 |
| Net operating income to assets | 1.0507% | 2,482 |
| Return on assets (ROA) | 1.0664% | 2,505 |
| Pretax return on assets | 1.0664% | 3,080 |
| Return on Equity (ROE) | 10.6010% | 2,308 |
| Retained earnings to average equity (ytd only) | 4.1751% | 3,155 |
| Net charge-offs to loans | 0.0888% | 922 |
| Credit loss provision to net charge-offs | 145.6311% | 1,512 |
| Earnings coverage of net charge-offs (x) | 20.4984% | 1,855 |
| Efficiency ratio | 64.6080% | 2,459 |
| Assets per employee ($millions) | 8.4382% | 1,108 |
| Cash dividends to net income (ytd only)* | 60.6162% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3457% | 2,159 |
| Loan loss allowance to noncurrent loans | 355.9712% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 0.4727% | 1,399 |
| Noncurrent loans to loans | 0.3780% | 2,233 |
| Net loans and leases to total assets | 60.5463% | 2,100 |
| Net loans and leases to deposits | 67.5303% | 2,348 |
| Net loans and leases to core deposits | 70.0946% | 2,433 |
| Total domestic deposits to total assets | 89.6580% | 1,137 |
| Equity capital to assets | 9.9227% | 2,733 |
| Core capital (leverage) ratio | 8.5143% | 3,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8695% | 2,288 |
| Memoranda: | ||
| Average total assets | $559,989,400 | 1,542 |
| Average earning assets | $526,311,200 | 1,529 |
| Average equity | $56,334,400 | 1,601 |
| Average total loans | $348,041,200 | 1,526 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6489% | 2,422 |
| Cost of funding earning assets | 0.2335% | 3,282 |
| Net interest margin | 3.4154% | 2,112 |
| Noninterest income to average assets | 0.2610% | 3,838 |
| Noninterest expense to average assets | 2.2844% | 2,792 |
| Loan and lease loss provision to assets | 0.1090% | 1,109 |
| Net operating income to assets | 1.0718% | 2,645 |
| Return on assets (ROA) | 1.0868% | 2,657 |
| Pretax return on assets | 1.0868% | 3,225 |
| Return on Equity (ROE) | 10.7636% | 2,458 |
| Retained earnings to average equity (ytd only) | 2.9999% | 3,909 |
| Net charge-offs to loans | 0.0929% | 778 |
| Credit loss provision to net charge-offs | 188.2845% | 1,237 |
| Earnings coverage of net charge-offs (x) | 20.3891% | 1,733 |
| Efficiency ratio | 64.4196% | 2,330 |
| Assets per employee ($millions) | 8.1260% | 1,220 |
| Cash dividends to net income (ytd only)* | 72.1293% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4089% | 1,987 |
| Loan loss allowance to noncurrent loans | 263.8275% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 0.6061% | 1,261 |
| Noncurrent loans to loans | 0.5340% | 1,979 |
| Net loans and leases to total assets | 63.5479% | 1,828 |
| Net loans and leases to deposits | 71.7010% | 2,079 |
| Net loans and leases to core deposits | 74.7657% | 2,166 |
| Total domestic deposits to total assets | 88.6291% | 1,496 |
| Equity capital to assets | 10.1999% | 2,710 |
| Core capital (leverage) ratio | 8.3956% | 4,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4364% | 2,569 |
| Memoranda: | ||
| Average total assets | $550,209,250 | 1,580 |
| Average earning assets | $516,202,500 | 1,566 |
| Average equity | $55,556,000 | 1,637 |
| Average total loans | $343,129,750 | 1,571 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4608% | 3,006 |
| Cost of funding earning assets | 0.2417% | 3,358 |
| Net interest margin | 3.2191% | 2,700 |
| Noninterest income to average assets | 0.2705% | 3,782 |
| Noninterest expense to average assets | 2.3763% | 2,540 |
| Loan and lease loss provision to assets | 0.0273% | 2,434 |
| Net operating income to assets | 0.8875% | 3,254 |
| Return on assets (ROA) | 0.9035% | 3,287 |
| Pretax return on assets | 0.9035% | 3,657 |
| Return on Equity (ROE) | 8.9785% | 3,100 |
| Retained earnings to average equity (ytd only) | -0.0109% | 4,516 |
| Net charge-offs to loans | -0.0006% | 3,050 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6670% | 1,565 |
| Assets per employee ($millions) | 7.8201% | 1,293 |
| Cash dividends to net income (ytd only)* | 100.1209% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3761% | 2,075 |
| Loan loss allowance to noncurrent loans | 709.7384% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.3652% | 2,147 |
| Noncurrent loans to loans | 0.1939% | 3,260 |
| Net loans and leases to total assets | 63.9318% | 1,958 |
| Net loans and leases to deposits | 71.7876% | 2,231 |
| Net loans and leases to core deposits | 74.9195% | 2,341 |
| Total domestic deposits to total assets | 89.0569% | 1,257 |
| Equity capital to assets | 10.0856% | 2,777 |
| Core capital (leverage) ratio | 8.0405% | 4,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1817% | 2,652 |
| Memoranda: | ||
| Average total assets | $549,423,667 | 1,578 |
| Average earning assets | $515,548,333 | 1,558 |
| Average equity | $55,287,667 | 1,636 |
| Average total loans | $338,785,667 | 1,598 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3982% | 3,198 |
| Cost of funding earning assets | 0.2563% | 3,419 |
| Net interest margin | 3.1418% | 2,866 |
| Noninterest income to average assets | 0.2856% | 3,695 |
| Noninterest expense to average assets | 2.4359% | 2,376 |
| Loan and lease loss provision to assets | 0.0545% | 2,018 |
| Net operating income to assets | 0.7434% | 3,592 |
| Return on assets (ROA) | 0.7703% | 3,580 |
| Pretax return on assets | 0.7703% | 3,862 |
| Return on Equity (ROE) | 7.6635% | 3,427 |
| Retained earnings to average equity (ytd only) | 0.6145% | 4,284 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9101% | 1,321 |
| Assets per employee ($millions) | 7.7497% | 1,312 |
| Cash dividends to net income (ytd only)* | 91.9811% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4766% | 1,686 |
| Loan loss allowance to noncurrent loans | 1,047.8541% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.3230% | 2,526 |
| Noncurrent loans to loans | 0.1409% | 3,614 |
| Net loans and leases to total assets | 59.2146% | 2,642 |
| Net loans and leases to deposits | 66.2298% | 2,897 |
| Net loans and leases to core deposits | 69.1214% | 2,954 |
| Total domestic deposits to total assets | 89.4077% | 1,119 |
| Equity capital to assets | 9.9444% | 2,754 |
| Core capital (leverage) ratio | 8.1429% | 4,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0584% | 2,269 |
| Memoranda: | ||
| Average total assets | $550,433,000 | 1,561 |
| Average earning assets | $516,511,500 | 1,545 |
| Average equity | $55,327,000 | 1,624 |
| Average total loans | $330,754,000 | 1,624 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2428% | 2,021 |
| Cost of funding earning assets | 0.4461% | 3,304 |
| Net interest margin | 3.7967% | 1,508 |
| Noninterest income to average assets | 0.2778% | 3,817 |
| Noninterest expense to average assets | 2.5772% | 2,623 |
| Loan and lease loss provision to assets | 0.1488% | 2,513 |
| Net operating income to assets | 1.1385% | 1,770 |
| Return on assets (ROA) | 1.1623% | 1,796 |
| Pretax return on assets | 1.1623% | 2,465 |
| Return on Equity (ROE) | 11.2743% | 1,536 |
| Retained earnings to average equity (ytd only) | 2.8872% | 3,426 |
| Net charge-offs to loans | -0.0145% | 4,345 |
| Credit loss provision to net charge-offs | -1,428.5714% | 4,127 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5969% | 2,594 |
| Assets per employee ($millions) | 6.6677% | 1,802 |
| Cash dividends to net income (ytd only)* | 74.3918% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5151% | 1,535 |
| Loan loss allowance to noncurrent loans | 776.7442% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.4065% | 2,372 |
| Noncurrent loans to loans | 0.1951% | 3,509 |
| Net loans and leases to total assets | 61.3478% | 2,683 |
| Net loans and leases to deposits | 68.2535% | 3,052 |
| Net loans and leases to core deposits | 71.0796% | 3,168 |
| Total domestic deposits to total assets | 89.8822% | 610 |
| Equity capital to assets | 9.3679% | 3,723 |
| Core capital (leverage) ratio | 8.2231% | 4,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1277% | 2,579 |
| Memoranda: | ||
| Average total assets | $403,153,000 | 1,852 |
| Average earning assets | $380,860,600 | 1,832 |
| Average equity | $41,563,400 | 1,967 |
| Average total loans | $288,933,800 | 1,732 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3204% | 2,042 |
| Cost of funding earning assets | 0.4888% | 3,297 |
| Net interest margin | 3.8316% | 1,531 |
| Noninterest income to average assets | 0.2787% | 3,814 |
| Noninterest expense to average assets | 2.6771% | 2,322 |
| Loan and lease loss provision to assets | 0.1543% | 2,469 |
| Net operating income to assets | 1.0617% | 2,104 |
| Return on assets (ROA) | 1.0895% | 2,145 |
| Pretax return on assets | 1.0895% | 2,784 |
| Return on Equity (ROE) | 10.2897% | 1,911 |
| Retained earnings to average equity (ytd only) | 0.2331% | 4,439 |
| Net charge-offs to loans | -0.0488% | 4,664 |
| Credit loss provision to net charge-offs | -424.5283% | 3,762 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6118% | 2,237 |
| Assets per employee ($millions) | 6.1421% | 2,144 |
| Cash dividends to net income (ytd only)* | 97.7344% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3975% | 1,749 |
| Loan loss allowance to noncurrent loans | 950.0000% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.4271% | 2,463 |
| Noncurrent loans to loans | 0.1471% | 3,795 |
| Net loans and leases to total assets | 71.8955% | 1,680 |
| Net loans and leases to deposits | 80.7059% | 2,237 |
| Net loans and leases to core deposits | 84.5502% | 2,425 |
| Total domestic deposits to total assets | 89.0833% | 738 |
| Equity capital to assets | 10.0339% | 3,197 |
| Core capital (leverage) ratio | 8.3536% | 4,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7139% | 2,718 |
| Memoranda: | ||
| Average total assets | $388,924,000 | 1,878 |
| Average earning assets | $366,868,750 | 1,858 |
| Average equity | $41,179,500 | 1,963 |
| Average total loans | $289,521,250 | 1,724 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4157% | 2,168 |
| Cost of funding earning assets | 0.5349% | 3,320 |
| Net interest margin | 3.8808% | 1,615 |
| Noninterest income to average assets | 0.2873% | 3,739 |
| Noninterest expense to average assets | 2.8033% | 2,091 |
| Loan and lease loss provision to assets | 0.1582% | 2,416 |
| Net operating income to assets | 0.9827% | 2,389 |
| Return on assets (ROA) | 1.0260% | 2,361 |
| Pretax return on assets | 1.0260% | 2,946 |
| Return on Equity (ROE) | 9.5074% | 2,149 |
| Retained earnings to average equity (ytd only) | -2.0520% | 4,591 |
| Net charge-offs to loans | -0.0731% | 4,782 |
| Credit loss provision to net charge-offs | -288.4615% | 3,533 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8302% | 1,980 |
| Assets per employee ($millions) | 5.9487% | 2,228 |
| Cash dividends to net income (ytd only)* | 121.5827% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3571% | 1,733 |
| Loan loss allowance to noncurrent loans | 243.5608% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.7372% | 1,674 |
| Noncurrent loans to loans | 0.5572% | 2,496 |
| Net loans and leases to total assets | 72.6772% | 1,596 |
| Net loans and leases to deposits | 81.9955% | 2,209 |
| Net loans and leases to core deposits | 86.7705% | 2,374 |
| Total domestic deposits to total assets | 88.6357% | 894 |
| Equity capital to assets | 10.0884% | 3,119 |
| Core capital (leverage) ratio | 8.6249% | 4,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6836% | 2,742 |
| Memoranda: | ||
| Average total assets | $379,344,333 | 1,895 |
| Average earning assets | $357,448,667 | 1,866 |
| Average equity | $40,936,667 | 1,959 |
| Average total loans | $284,516,000 | 1,729 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6645% | 1,811 |
| Cost of funding earning assets | 0.6185% | 3,339 |
| Net interest margin | 4.0460% | 1,266 |
| Noninterest income to average assets | 0.2969% | 3,740 |
| Noninterest expense to average assets | 3.1128% | 1,607 |
| Loan and lease loss provision to assets | 0.1649% | 1,768 |
| Net operating income to assets | 0.8170% | 2,849 |
| Return on assets (ROA) | 0.8181% | 2,931 |
| Pretax return on assets | 0.8181% | 3,366 |
| Return on Equity (ROE) | 7.3119% | 2,823 |
| Retained earnings to average equity (ytd only) | -1.0909% | 4,153 |
| Net charge-offs to loans | -0.1829% | 4,930 |
| Credit loss provision to net charge-offs | -119.0476% | 3,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5704% | 1,742 |
| Assets per employee ($millions) | 5.2544% | 2,369 |
| Cash dividends to net income (ytd only)* | 114.9194% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4675% | 1,456 |
| Loan loss allowance to noncurrent loans | 459.2379% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.6087% | 2,179 |
| Noncurrent loans to loans | 0.3196% | 3,349 |
| Net loans and leases to total assets | 73.6523% | 1,669 |
| Net loans and leases to deposits | 83.5222% | 2,281 |
| Net loans and leases to core deposits | 88.1688% | 2,508 |
| Total domestic deposits to total assets | 88.1829% | 1,026 |
| Equity capital to assets | 11.1253% | 2,755 |
| Core capital (leverage) ratio | 9.5350% | 3,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3449% | 2,552 |
| Memoranda: | ||
| Average total assets | $363,786,500 | 1,909 |
| Average earning assets | $341,476,000 | 1,885 |
| Average equity | $40,700,500 | 1,961 |
| Average total loans | $275,566,500 | 1,735 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9290% | 1,668 |
| Cost of funding earning assets | 0.6472% | 3,425 |
| Net interest margin | 4.2818% | 1,130 |
| Noninterest income to average assets | 0.2761% | 4,028 |
| Noninterest expense to average assets | 3.0116% | 1,988 |
| Loan and lease loss provision to assets | 0.2351% | 811 |
| Net operating income to assets | 1.0556% | 2,636 |
| Return on assets (ROA) | 1.0559% | 2,729 |
| Pretax return on assets | 1.0559% | 3,313 |
| Return on Equity (ROE) | 9.4667% | 2,536 |
| Retained earnings to average equity (ytd only) | 1.1830% | 4,321 |
| Net charge-offs to loans | 0.1829% | 1,097 |
| Credit loss provision to net charge-offs | 166.9941% | 1,549 |
| Earnings coverage of net charge-offs (x) | 9.1670% | 2,693 |
| Efficiency ratio | 67.8583% | 2,484 |
| Assets per employee ($millions) | 5.0697% | 2,490 |
| Cash dividends to net income (ytd only)* | 87.5033% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3212% | 1,831 |
| Loan loss allowance to noncurrent loans | 183.3086% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 0.6263% | 2,013 |
| Noncurrent loans to loans | 0.7207% | 2,078 |
| Net loans and leases to total assets | 75.7291% | 1,460 |
| Net loans and leases to deposits | 85.9382% | 2,098 |
| Net loans and leases to core deposits | 90.4651% | 2,378 |
| Total domestic deposits to total assets | 88.1204% | 1,075 |
| Equity capital to assets | 11.2503% | 2,761 |
| Core capital (leverage) ratio | 9.4927% | 4,073 |
| Tier 1 risk-based capital ratio | 11.7792% | 4,481 |
| Total risk-based capital ratio | 13.0451% | 4,352 |
| Memoranda: | ||
| Average total assets | $361,496,800 | 1,870 |
| Average earning assets | $339,925,400 | 1,847 |
| Average equity | $40,320,400 | 1,917 |
| Average total loans | $278,233,600 | 1,696 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9668% | 1,631 |
| Cost of funding earning assets | 0.6431% | 3,487 |
| Net interest margin | 4.3237% | 1,121 |
| Noninterest income to average assets | 0.2851% | 4,032 |
| Noninterest expense to average assets | 2.9353% | 2,145 |
| Loan and lease loss provision to assets | 0.2311% | 732 |
| Net operating income to assets | 1.1828% | 2,258 |
| Return on assets (ROA) | 1.1831% | 2,339 |
| Pretax return on assets | 1.1831% | 3,035 |
| Return on Equity (ROE) | 10.6308% | 2,162 |
| Retained earnings to average equity (ytd only) | 1.3455% | 4,476 |
| Net charge-offs to loans | -0.0067% | 4,279 |
| Credit loss provision to net charge-offs | -4,464.2857% | 4,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4765% | 2,797 |
| Assets per employee ($millions) | 5.0011% | 2,567 |
| Cash dividends to net income (ytd only)* | 87.3437% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4378% | 1,429 |
| Loan loss allowance to noncurrent loans | 145.5240% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 0.8220% | 1,679 |
| Noncurrent loans to loans | 0.9880% | 1,621 |
| Net loans and leases to total assets | 76.1313% | 1,453 |
| Net loans and leases to deposits | 89.3587% | 1,771 |
| Net loans and leases to core deposits | 97.9379% | 1,831 |
| Total domestic deposits to total assets | 85.1974% | 2,351 |
| Equity capital to assets | 11.4270% | 2,712 |
| Core capital (leverage) ratio | 9.4702% | 4,197 |
| Tier 1 risk-based capital ratio | 11.7878% | 4,528 |
| Total risk-based capital ratio | 13.0546% | 4,406 |
| Memoranda: | ||
| Average total assets | $360,615,750 | 1,894 |
| Average earning assets | $338,959,500 | 1,863 |
| Average equity | $40,134,000 | 1,930 |
| Average total loans | $277,760,000 | 1,709 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9499% | 1,615 |
| Cost of funding earning assets | 0.6002% | 3,651 |
| Net interest margin | 4.3497% | 1,043 |
| Noninterest income to average assets | 0.2700% | 4,130 |
| Noninterest expense to average assets | 2.9285% | 2,200 |
| Loan and lease loss provision to assets | 0.2217% | 744 |
| Net operating income to assets | 1.2090% | 2,119 |
| Return on assets (ROA) | 1.2090% | 2,182 |
| Pretax return on assets | 1.2090% | 2,880 |
| Return on Equity (ROE) | 10.9607% | 1,992 |
| Retained earnings to average equity (ytd only) | -0.9498% | 4,822 |
| Net charge-offs to loans | -0.0216% | 4,562 |
| Credit loss provision to net charge-offs | -1,333.3333% | 4,310 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0560% | 2,966 |
| Assets per employee ($millions) | 5.3645% | 2,090 |
| Cash dividends to net income (ytd only)* | 108.6657% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3546% | 1,795 |
| Loan loss allowance to noncurrent loans | 117.3119% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 0.9615% | 1,448 |
| Noncurrent loans to loans | 1.1547% | 1,404 |
| Net loans and leases to total assets | 76.7507% | 1,429 |
| Net loans and leases to deposits | 91.3356% | 1,582 |
| Net loans and leases to core deposits | 99.8733% | 1,734 |
| Total domestic deposits to total assets | 84.0316% | 2,845 |
| Equity capital to assets | 11.2097% | 2,846 |
| Core capital (leverage) ratio | 9.4423% | 4,206 |
| Tier 1 risk-based capital ratio | 11.4846% | 4,692 |
| Total risk-based capital ratio | 12.7484% | 4,581 |
| Memoranda: | ||
| Average total assets | $360,795,000 | 1,901 |
| Average earning assets | $339,199,330 | 1,872 |
| Average equity | $39,796,670 | 1,945 |
| Average total loans | $277,636,330 | 1,724 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9584% | 1,450 |
| Cost of funding earning assets | 0.5878% | 3,638 |
| Net interest margin | 4.3706% | 965 |
| Noninterest income to average assets | 0.2623% | 4,132 |
| Noninterest expense to average assets | 2.9401% | 2,155 |
| Loan and lease loss provision to assets | 0.1936% | 836 |
| Net operating income to assets | 1.2338% | 1,935 |
| Return on assets (ROA) | 1.2338% | 1,984 |
| Pretax return on assets | 1.2338% | 2,686 |
| Return on Equity (ROE) | 11.2769% | 1,832 |
| Retained earnings to average equity (ytd only) | 0.4046% | 4,456 |
| Net charge-offs to loans | -0.0014% | 3,831 |
| Credit loss provision to net charge-offs | -17,500.0000% | 4,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2141% | 3,058 |
| Assets per employee ($millions) | 5.3742% | 2,100 |
| Cash dividends to net income (ytd only)* | 96.4126% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2813% | 2,177 |
| Loan loss allowance to noncurrent loans | 306.8576% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 0.3830% | 3,055 |
| Noncurrent loans to loans | 0.4175% | 3,095 |
| Net loans and leases to total assets | 75.6408% | 1,541 |
| Net loans and leases to deposits | 86.4161% | 2,084 |
| Net loans and leases to core deposits | 94.2025% | 2,108 |
| Total domestic deposits to total assets | 87.5309% | 1,559 |
| Equity capital to assets | 11.0997% | 2,744 |
| Core capital (leverage) ratio | 9.4042% | 4,249 |
| Tier 1 risk-based capital ratio | 11.7670% | 4,583 |
| Total risk-based capital ratio | 13.0305% | 4,480 |
| Memoranda: | ||
| Average total assets | $361,481,500 | 1,913 |
| Average earning assets | $339,542,500 | 1,883 |
| Average equity | $39,550,000 | 1,939 |
| Average total loans | $276,631,000 | 1,734 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6682% | 1,933 |
| Cost of funding earning assets | 0.4392% | 3,746 |
| Net interest margin | 4.2290% | 1,330 |
| Noninterest income to average assets | 0.2670% | 4,327 |
| Noninterest expense to average assets | 2.9194% | 2,281 |
| Loan and lease loss provision to assets | 0.1248% | 1,765 |
| Net operating income to assets | 1.2047% | 2,151 |
| Return on assets (ROA) | 1.2047% | 2,141 |
| Pretax return on assets | 1.2047% | 2,862 |
| Return on Equity (ROE) | 11.5705% | 1,879 |
| Retained earnings to average equity (ytd only) | 4.0629% | 3,328 |
| Net charge-offs to loans | 0.0760% | 2,038 |
| Credit loss provision to net charge-offs | 221.7822% | 1,316 |
| Earnings coverage of net charge-offs (x) | 23.6188% | 1,843 |
| Efficiency ratio | 66.6098% | 2,761 |
| Assets per employee ($millions) | 5.4163% | 2,043 |
| Cash dividends to net income (ytd only)* | 64.8855% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2110% | 2,511 |
| Loan loss allowance to noncurrent loans | 965.2299% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.1764% | 3,925 |
| Noncurrent loans to loans | 0.1255% | 4,168 |
| Net loans and leases to total assets | 75.5066% | 1,694 |
| Net loans and leases to deposits | 85.1241% | 2,392 |
| Net loans and leases to core deposits | 92.6500% | 2,352 |
| Total domestic deposits to total assets | 88.7018% | 981 |
| Equity capital to assets | 10.7837% | 2,896 |
| Core capital (leverage) ratio | 9.3667% | 4,280 |
| Tier 1 risk-based capital ratio | 11.7613% | 4,586 |
| Total risk-based capital ratio | 12.9639% | 4,495 |
| Memoranda: | ||
| Average total assets | $358,841,800 | 1,884 |
| Average earning assets | $337,884,200 | 1,855 |
| Average equity | $37,362,200 | 1,967 |
| Average total loans | $265,827,200 | 1,753 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6469% | 1,845 |
| Cost of funding earning assets | 0.4063% | 3,813 |
| Net interest margin | 4.2406% | 1,260 |
| Noninterest income to average assets | 0.2771% | 4,300 |
| Noninterest expense to average assets | 2.7069% | 2,962 |
| Loan and lease loss provision to assets | 0.0262% | 3,488 |
| Net operating income to assets | 1.5685% | 1,028 |
| Return on assets (ROA) | 1.5685% | 1,033 |
| Pretax return on assets | 1.5685% | 1,679 |
| Return on Equity (ROE) | 16.3922% | 628 |
| Retained earnings to average equity (ytd only) | 5.4695% | 2,972 |
| Net charge-offs to loans | -0.0060% | 4,260 |
| Credit loss provision to net charge-offs | -555.5556% | 4,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3080% | 3,616 |
| Assets per employee ($millions) | 5.4578% | 1,956 |
| Cash dividends to net income (ytd only)* | 66.6332% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5080% | 1,321 |
| Loan loss allowance to noncurrent loans | 686.5801% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.2241% | 3,821 |
| Noncurrent loans to loans | 0.2196% | 3,921 |
| Net loans and leases to total assets | 79.0801% | 1,150 |
| Net loans and leases to deposits | 94.2993% | 1,351 |
| Net loans and leases to core deposits | 109.5338% | 1,065 |
| Total domestic deposits to total assets | 83.8607% | 2,990 |
| Equity capital to assets | 9.3898% | 4,192 |
| Core capital (leverage) ratio | 8.9759% | 4,726 |
| Tier 1 risk-based capital ratio | 10.5514% | 5,223 |
| Total risk-based capital ratio | 11.8176% | 5,136 |
| Memoranda: | ||
| Average total assets | $254,507,250 | 2,460 |
| Average earning assets | $241,529,500 | 2,416 |
| Average equity | $24,352,500 | 2,705 |
| Average total loans | $198,971,000 | 2,193 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5118% | 2,059 |
| Cost of funding earning assets | 0.3529% | 4,057 |
| Net interest margin | 4.1589% | 1,383 |
| Noninterest income to average assets | 0.2825% | 4,292 |
| Noninterest expense to average assets | 2.7450% | 2,859 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4840% | 1,191 |
| Return on assets (ROA) | 1.4840% | 1,192 |
| Pretax return on assets | 1.4840% | 1,872 |
| Return on Equity (ROE) | 15.4098% | 774 |
| Retained earnings to average equity (ytd only) | 4.0791% | 3,571 |
| Net charge-offs to loans | -0.0041% | 4,055 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2389% | 3,424 |
| Assets per employee ($millions) | 5.4022% | 1,996 |
| Cash dividends to net income (ytd only)* | 73.5294% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5161% | 1,350 |
| Loan loss allowance to noncurrent loans | 472.2727% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.3027% | 3,551 |
| Noncurrent loans to loans | 0.3210% | 3,557 |
| Net loans and leases to total assets | 78.0830% | 1,296 |
| Net loans and leases to deposits | 93.2806% | 1,441 |
| Net loans and leases to core deposits | 105.4179% | 1,284 |
| Total domestic deposits to total assets | 83.7077% | 3,171 |
| Equity capital to assets | 9.3762% | 4,208 |
| Core capital (leverage) ratio | 9.0893% | 4,600 |
| Tier 1 risk-based capital ratio | 10.4564% | 5,288 |
| Total risk-based capital ratio | 11.7261% | 5,178 |
| Memoranda: | ||
| Average total assets | $252,018,000 | 2,485 |
| Average earning assets | $239,149,000 | 2,437 |
| Average equity | $24,270,330 | 2,729 |
| Average total loans | $195,180,670 | 2,225 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4705% | 1,957 |
| Cost of funding earning assets | 0.3061% | 4,307 |
| Net interest margin | 4.1644% | 1,266 |
| Noninterest income to average assets | 0.2883% | 4,244 |
| Noninterest expense to average assets | 2.8570% | 2,507 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3753% | 1,408 |
| Return on assets (ROA) | 1.3753% | 1,422 |
| Pretax return on assets | 1.3753% | 2,084 |
| Return on Equity (ROE) | 14.0872% | 995 |
| Retained earnings to average equity (ytd only) | 6.0868% | 2,668 |
| Net charge-offs to loans | -0.0084% | 4,184 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8295% | 3,197 |
| Assets per employee ($millions) | 5.1111% | 2,352 |
| Cash dividends to net income (ytd only)* | 56.7916% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6347% | 1,086 |
| Loan loss allowance to noncurrent loans | 558.6022% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.2784% | 3,748 |
| Noncurrent loans to loans | 0.2926% | 3,718 |
| Net loans and leases to total assets | 76.4539% | 1,468 |
| Net loans and leases to deposits | 86.3011% | 2,123 |
| Net loans and leases to core deposits | 93.7736% | 2,160 |
| Total domestic deposits to total assets | 88.5897% | 1,312 |
| Equity capital to assets | 9.8772% | 3,721 |
| Core capital (leverage) ratio | 9.2006% | 4,431 |
| Tier 1 risk-based capital ratio | 11.1138% | 5,078 |
| Total risk-based capital ratio | 12.3862% | 4,960 |
| Memoranda: | ||
| Average total assets | $248,374,000 | 2,530 |
| Average earning assets | $235,231,500 | 2,490 |
| Average equity | $24,249,000 | 2,752 |
| Average total loans | $189,975,500 | 2,276 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3676% | 2,123 |
| Cost of funding earning assets | 0.2997% | 4,149 |
| Net interest margin | 4.0679% | 1,538 |
| Noninterest income to average assets | 0.3275% | 4,127 |
| Noninterest expense to average assets | 2.8813% | 2,521 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.3008% | 1,219 |
| Return on assets (ROA) | 1.3000% | 1,237 |
| Pretax return on assets | 1.3000% | 2,350 |
| Return on Equity (ROE) | 13.7152% | 808 |
| Retained earnings to average equity (ytd only) | 6.2951% | 1,383 |
| Net charge-offs to loans | -0.1498% | 5,467 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1951% | 3,052 |
| Assets per employee ($millions) | 5.1309% | 2,331 |
| Cash dividends to net income (ytd only)* | 54.1014% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6448% | 1,049 |
| Loan loss allowance to noncurrent loans | 1,161.5672% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.1563% | 4,356 |
| Noncurrent loans to loans | 0.1416% | 4,356 |
| Net loans and leases to total assets | 74.0426% | 1,915 |
| Net loans and leases to deposits | 82.4925% | 2,670 |
| Net loans and leases to core deposits | 91.6789% | 2,399 |
| Total domestic deposits to total assets | 89.7568% | 653 |
| Equity capital to assets | 9.6517% | 4,084 |
| Core capital (leverage) ratio | 8.8986% | 4,754 |
| Tier 1 risk-based capital ratio | 11.0515% | 5,112 |
| Total risk-based capital ratio | 12.3223% | 4,993 |
| Memoranda: | ||
| Average total assets | $250,376,600 | 2,491 |
| Average earning assets | $237,246,400 | 2,449 |
| Average equity | $23,732,800 | 2,785 |
| Average total loans | $192,237,600 | 2,226 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3548% | 2,093 |
| Cost of funding earning assets | 0.2931% | 4,196 |
| Net interest margin | 4.0616% | 1,505 |
| Noninterest income to average assets | 0.3364% | 4,124 |
| Noninterest expense to average assets | 2.7528% | 2,889 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.4318% | 1,021 |
| Return on assets (ROA) | 1.4308% | 1,043 |
| Pretax return on assets | 1.4308% | 2,011 |
| Return on Equity (ROE) | 15.1638% | 632 |
| Retained earnings to average equity (ytd only) | 7.9548% | 1,243 |
| Net charge-offs to loans | -0.1838% | 5,520 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0892% | 3,530 |
| Assets per employee ($millions) | 5.2401% | 2,186 |
| Cash dividends to net income (ytd only)* | 47.5409% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5671% | 1,315 |
| Loan loss allowance to noncurrent loans | 1,349.7817% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.1407% | 4,551 |
| Noncurrent loans to loans | 0.1161% | 4,594 |
| Net loans and leases to total assets | 77.1908% | 1,397 |
| Net loans and leases to deposits | 86.3134% | 2,258 |
| Net loans and leases to core deposits | 100.7765% | 1,640 |
| Total domestic deposits to total assets | 89.4309% | 679 |
| Equity capital to assets | 9.7461% | 4,200 |
| Core capital (leverage) ratio | 8.6976% | 5,066 |
| Tier 1 risk-based capital ratio | 10.7293% | 5,364 |
| Total risk-based capital ratio | 11.9979% | 5,277 |
| Memoranda: | ||
| Average total assets | $250,116,750 | 2,510 |
| Average earning assets | $236,975,000 | 2,466 |
| Average equity | $23,599,500 | 2,818 |
| Average total loans | $192,980,000 | 2,233 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2360% | 2,338 |
| Cost of funding earning assets | 0.2571% | 4,482 |
| Net interest margin | 3.9789% | 1,675 |
| Noninterest income to average assets | 0.3245% | 4,230 |
| Noninterest expense to average assets | 2.7583% | 2,896 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3347% | 1,207 |
| Return on assets (ROA) | 1.3347% | 1,230 |
| Pretax return on assets | 1.3347% | 2,254 |
| Return on Equity (ROE) | 14.3037% | 775 |
| Retained earnings to average equity (ytd only) | 7.2120% | 1,490 |
| Net charge-offs to loans | -0.1921% | 5,570 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6489% | 3,406 |
| Assets per employee ($millions) | 5.1767% | 2,180 |
| Cash dividends to net income (ytd only)* | 49.5798% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5149% | 1,530 |
| Loan loss allowance to noncurrent loans | 559.2937% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.2614% | 4,082 |
| Noncurrent loans to loans | 0.2709% | 4,073 |
| Net loans and leases to total assets | 77.1182% | 1,374 |
| Net loans and leases to deposits | 92.4099% | 1,441 |
| Net loans and leases to core deposits | 103.1164% | 1,432 |
| Total domestic deposits to total assets | 83.4523% | 3,416 |
| Equity capital to assets | 9.4599% | 4,441 |
| Core capital (leverage) ratio | 8.6306% | 5,113 |
| Tier 1 risk-based capital ratio | 10.4473% | 5,479 |
| Total risk-based capital ratio | 11.7141% | 5,399 |
| Memoranda: | ||
| Average total assets | $249,647,000 | 2,521 |
| Average earning assets | $236,448,330 | 2,481 |
| Average equity | $23,294,670 | 2,847 |
| Average total loans | $191,558,000 | 2,246 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1206% | 2,578 |
| Cost of funding earning assets | 0.2271% | 4,737 |
| Net interest margin | 3.8934% | 1,803 |
| Noninterest income to average assets | 0.3230% | 4,236 |
| Noninterest expense to average assets | 2.8315% | 2,682 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1743% | 1,574 |
| Return on assets (ROA) | 1.1743% | 1,616 |
| Pretax return on assets | 1.1743% | 2,695 |
| Return on Equity (ROE) | 12.6743% | 1,070 |
| Retained earnings to average equity (ytd only) | 11.4365% | 540 |
| Net charge-offs to loans | -0.0617% | 5,278 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9113% | 3,061 |
| Assets per employee ($millions) | 4.9074% | 2,568 |
| Cash dividends to net income (ytd only)* | 9.7662% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5294% | 1,587 |
| Loan loss allowance to noncurrent loans | 545.6979% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.2641% | 4,154 |
| Noncurrent loans to loans | 0.2803% | 4,112 |
| Net loans and leases to total assets | 74.8891% | 1,600 |
| Net loans and leases to deposits | 86.4558% | 1,980 |
| Net loans and leases to core deposits | 95.0739% | 1,888 |
| Total domestic deposits to total assets | 86.6213% | 2,388 |
| Equity capital to assets | 9.5306% | 4,254 |
| Core capital (leverage) ratio | 8.8044% | 4,951 |
| Tier 1 risk-based capital ratio | 10.9730% | 5,324 |
| Total risk-based capital ratio | 12.2387% | 5,228 |
| Memoranda: | ||
| Average total assets | $247,640,500 | 2,559 |
| Average earning assets | $234,240,500 | 2,517 |
| Average equity | $22,944,000 | 2,899 |
| Average total loans | $188,023,500 | 2,290 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2095% | 2,457 |
| Cost of funding earning assets | 0.1943% | 5,071 |
| Net interest margin | 4.0152% | 1,590 |
| Noninterest income to average assets | 0.3377% | 4,321 |
| Noninterest expense to average assets | 2.9226% | 2,598 |
| Loan and lease loss provision to assets | 0.0811% | 2,737 |
| Net operating income to assets | 1.1299% | 1,778 |
| Return on assets (ROA) | 1.2316% | 1,493 |
| Pretax return on assets | 1.2316% | 2,547 |
| Return on Equity (ROE) | 13.1424% | 962 |
| Retained earnings to average equity (ytd only) | 0.9647% | 4,939 |
| Net charge-offs to loans | 0.0727% | 2,658 |
| Credit loss provision to net charge-offs | 147.0588% | 1,862 |
| Earnings coverage of net charge-offs (x) | 21.9632% | 1,755 |
| Efficiency ratio | 68.9584% | 3,082 |
| Assets per employee ($millions) | 4.9983% | 2,395 |
| Cash dividends to net income (ytd only)* | 92.6596% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4912% | 1,704 |
| Loan loss allowance to noncurrent loans | 739.5288% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.2029% | 4,514 |
| Noncurrent loans to loans | 0.2016% | 4,435 |
| Net loans and leases to total assets | 74.6716% | 1,747 |
| Net loans and leases to deposits | 88.3535% | 1,879 |
| Net loans and leases to core deposits | 93.3742% | 2,172 |
| Total domestic deposits to total assets | 84.5146% | 3,234 |
| Equity capital to assets | 9.0043% | 4,820 |
| Core capital (leverage) ratio | 8.3749% | 5,387 |
| Tier 1 risk-based capital ratio | 10.3748% | 5,623 |
| Total risk-based capital ratio | 11.6392% | 5,561 |
| Memoranda: | ||
| Average total assets | $246,663,000 | 2,534 |
| Average earning assets | $233,188,400 | 2,488 |
| Average equity | $23,116,000 | 2,882 |
| Average total loans | $186,957,200 | 2,240 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2047% | 2,495 |
| Cost of funding earning assets | 0.1939% | 5,129 |
| Net interest margin | 4.0107% | 1,619 |
| Noninterest income to average assets | 0.3362% | 4,377 |
| Noninterest expense to average assets | 2.8027% | 3,001 |
| Loan and lease loss provision to assets | 0.0597% | 3,063 |
| Net operating income to assets | 1.2647% | 1,396 |
| Return on assets (ROA) | 1.4084% | 1,105 |
| Pretax return on assets | 1.4084% | 2,011 |
| Return on Equity (ROE) | 14.8805% | 679 |
| Retained earnings to average equity (ytd only) | 1.8336% | 4,769 |
| Net charge-offs to loans | 0.1102% | 1,841 |
| Credit loss provision to net charge-offs | 71.4286% | 2,765 |
| Earnings coverage of net charge-offs (x) | 15.8570% | 2,155 |
| Efficiency ratio | 66.1629% | 3,564 |
| Assets per employee ($millions) | 4.9806% | 2,389 |
| Cash dividends to net income (ytd only)* | 87.6780% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4397% | 2,020 |
| Loan loss allowance to noncurrent loans | 664.3032% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.2144% | 4,572 |
| Noncurrent loans to loans | 0.2167% | 4,491 |
| Net loans and leases to total assets | 74.6921% | 1,758 |
| Net loans and leases to deposits | 91.2129% | 1,608 |
| Net loans and leases to core deposits | 99.5941% | 1,672 |
| Total domestic deposits to total assets | 81.8877% | 3,967 |
| Equity capital to assets | 9.4379% | 4,732 |
| Core capital (leverage) ratio | 8.4939% | 5,360 |
| Tier 1 risk-based capital ratio | 10.3500% | 5,680 |
| Total risk-based capital ratio | 11.6015% | 5,601 |
| Memoranda: | ||
| Average total assets | $245,850,500 | 2,549 |
| Average earning assets | $232,370,750 | 2,501 |
| Average equity | $23,269,250 | 2,888 |
| Average total loans | $186,336,750 | 2,253 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1395% | 2,719 |
| Cost of funding earning assets | 0.1892% | 5,243 |
| Net interest margin | 3.9503% | 1,800 |
| Noninterest income to average assets | 0.3252% | 4,455 |
| Noninterest expense to average assets | 2.8122% | 2,990 |
| Loan and lease loss provision to assets | 0.0490% | 3,170 |
| Net operating income to assets | 1.1994% | 1,605 |
| Return on assets (ROA) | 1.3146% | 1,328 |
| Pretax return on assets | 1.3146% | 2,349 |
| Return on Equity (ROE) | 13.8759% | 856 |
| Retained earnings to average equity (ytd only) | 0.2760% | 5,217 |
| Net charge-offs to loans | -0.0140% | 4,808 |
| Credit loss provision to net charge-offs | -461.5385% | 4,913 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4648% | 3,460 |
| Assets per employee ($millions) | 4.6843% | 2,743 |
| Cash dividends to net income (ytd only)* | 98.0112% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5317% | 1,749 |
| Loan loss allowance to noncurrent loans | 404.2796% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.3391% | 4,133 |
| Noncurrent loans to loans | 0.3789% | 4,004 |
| Net loans and leases to total assets | 74.7966% | 1,688 |
| Net loans and leases to deposits | 89.1369% | 1,849 |
| Net loans and leases to core deposits | 97.2075% | 1,872 |
| Total domestic deposits to total assets | 83.9120% | 3,302 |
| Equity capital to assets | 9.6200% | 4,648 |
| Core capital (leverage) ratio | 8.5559% | 5,314 |
| Tier 1 risk-based capital ratio | 10.5223% | 5,664 |
| Total risk-based capital ratio | 11.7753% | 5,575 |
| Memoranda: | ||
| Average total assets | $244,791,000 | 2,572 |
| Average earning assets | $231,475,670 | 2,522 |
| Average equity | $23,191,330 | 2,899 |
| Average total loans | $185,541,670 | 2,258 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1603% | 2,619 |
| Cost of funding earning assets | 0.1810% | 5,365 |
| Net interest margin | 3.9792% | 1,675 |
| Noninterest income to average assets | 0.2706% | 4,800 |
| Noninterest expense to average assets | 2.8509% | 2,885 |
| Loan and lease loss provision to assets | 0.0489% | 2,947 |
| Net operating income to assets | 1.1329% | 1,775 |
| Return on assets (ROA) | 1.3627% | 1,175 |
| Pretax return on assets | 1.3627% | 2,031 |
| Return on Equity (ROE) | 14.4947% | 747 |
| Retained earnings to average equity (ytd only) | 4.5773% | 3,191 |
| Net charge-offs to loans | -0.0108% | 4,563 |
| Credit loss provision to net charge-offs | -600.0000% | 4,603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9167% | 3,309 |
| Assets per employee ($millions) | 4.5809% | 2,931 |
| Cash dividends to net income (ytd only)* | 68.4211% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5581% | 1,754 |
| Loan loss allowance to noncurrent loans | 766.0274% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.2057% | 4,738 |
| Noncurrent loans to loans | 0.2034% | 4,693 |
| Net loans and leases to total assets | 74.1579% | 1,700 |
| Net loans and leases to deposits | 85.9640% | 2,065 |
| Net loans and leases to core deposits | 93.6966% | 2,020 |
| Total domestic deposits to total assets | 86.2662% | 2,557 |
| Equity capital to assets | 9.7717% | 4,377 |
| Core capital (leverage) ratio | 8.4815% | 5,411 |
| Tier 1 risk-based capital ratio | 11.0016% | 5,504 |
| Total risk-based capital ratio | 12.2548% | 5,410 |
| Memoranda: | ||
| Average total assets | $245,393,500 | 2,577 |
| Average earning assets | $232,004,500 | 2,530 |
| Average equity | $23,070,500 | 2,914 |
| Average total loans | $185,798,500 | 2,254 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0926% | 2,950 |
| Cost of funding earning assets | 0.1783% | 5,475 |
| Net interest margin | 3.9143% | 1,980 |
| Noninterest income to average assets | 0.3000% | 4,738 |
| Noninterest expense to average assets | 2.8550% | 3,011 |
| Loan and lease loss provision to assets | 0.1336% | 1,784 |
| Net operating income to assets | 1.0098% | 2,314 |
| Return on assets (ROA) | 1.1026% | 1,984 |
| Pretax return on assets | 1.1026% | 3,046 |
| Return on Equity (ROE) | 11.9050% | 1,326 |
| Retained earnings to average equity (ytd only) | 2.5270% | 4,270 |
| Net charge-offs to loans | 0.0038% | 4,318 |
| Credit loss provision to net charge-offs | 4,714.2857% | 80 |
| Earnings coverage of net charge-offs (x) | 403.4286% | 162 |
| Efficiency ratio | 69.6000% | 3,288 |
| Assets per employee ($millions) | 4.8573% | 2,522 |
| Cash dividends to net income (ytd only)* | 78.7734% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4369% | 2,262 |
| Loan loss allowance to noncurrent loans | 711.5979% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.2031% | 4,777 |
| Noncurrent loans to loans | 0.2019% | 4,694 |
| Net loans and leases to total assets | 74.9825% | 1,576 |
| Net loans and leases to deposits | 85.8767% | 2,148 |
| Net loans and leases to core deposits | 93.1423% | 2,120 |
| Total domestic deposits to total assets | 87.3141% | 1,976 |
| Equity capital to assets | 9.0522% | 5,077 |
| Core capital (leverage) ratio | 8.1563% | 5,726 |
| Tier 1 risk-based capital ratio | 10.2057% | 5,894 |
| Total risk-based capital ratio | 11.4573% | 5,821 |
| Memoranda: | ||
| Average total assets | $246,967,600 | 2,526 |
| Average earning assets | $233,350,600 | 2,477 |
| Average equity | $22,872,800 | 2,889 |
| Average total loans | $182,849,200 | 2,210 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0562% | 3,115 |
| Cost of funding earning assets | 0.1805% | 5,550 |
| Net interest margin | 3.8757% | 2,112 |
| Noninterest income to average assets | 0.3073% | 4,740 |
| Noninterest expense to average assets | 2.7066% | 3,539 |
| Loan and lease loss provision to assets | 0.1466% | 1,488 |
| Net operating income to assets | 1.1141% | 1,945 |
| Return on assets (ROA) | 1.2385% | 1,587 |
| Pretax return on assets | 1.2385% | 2,659 |
| Return on Equity (ROE) | 13.2951% | 1,061 |
| Retained earnings to average equity (ytd only) | 4.0859% | 3,552 |
| Net charge-offs to loans | 0.0303% | 3,328 |
| Credit loss provision to net charge-offs | 658.5366% | 518 |
| Earnings coverage of net charge-offs (x) | 56.6292% | 951 |
| Efficiency ratio | 66.4021% | 3,817 |
| Assets per employee ($millions) | 4.8901% | 2,435 |
| Cash dividends to net income (ytd only)* | 69.2677% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3715% | 2,732 |
| Loan loss allowance to noncurrent loans | 434.3648% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.3056% | 4,549 |
| Noncurrent loans to loans | 0.3157% | 4,465 |
| Net loans and leases to total assets | 75.4234% | 1,473 |
| Net loans and leases to deposits | 93.7546% | 1,230 |
| Net loans and leases to core deposits | 101.4864% | 1,413 |
| Total domestic deposits to total assets | 80.4477% | 4,625 |
| Equity capital to assets | 9.0834% | 5,226 |
| Core capital (leverage) ratio | 8.3966% | 5,632 |
| Tier 1 risk-based capital ratio | 10.1597% | 5,995 |
| Total risk-based capital ratio | 11.4107% | 5,935 |
| Memoranda: | ||
| Average total assets | $245,564,750 | 2,558 |
| Average earning assets | $231,902,000 | 2,510 |
| Average equity | $22,875,000 | 2,910 |
| Average total loans | $180,523,750 | 2,240 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0441% | 3,108 |
| Cost of funding earning assets | 0.1833% | 5,589 |
| Net interest margin | 3.8608% | 2,102 |
| Noninterest income to average assets | 0.3025% | 4,793 |
| Noninterest expense to average assets | 2.6943% | 3,608 |
| Loan and lease loss provision to assets | 0.1484% | 1,446 |
| Net operating income to assets | 1.1061% | 1,929 |
| Return on assets (ROA) | 1.2915% | 1,406 |
| Pretax return on assets | 1.2915% | 2,395 |
| Return on Equity (ROE) | 13.7452% | 957 |
| Retained earnings to average equity (ytd only) | 5.3244% | 2,655 |
| Net charge-offs to loans | 0.0432% | 2,836 |
| Credit loss provision to net charge-offs | 473.6842% | 652 |
| Earnings coverage of net charge-offs (x) | 40.0526% | 1,129 |
| Efficiency ratio | 66.3745% | 3,952 |
| Assets per employee ($millions) | 4.9340% | 2,358 |
| Cash dividends to net income (ytd only)* | 61.2636% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4318% | 2,605 |
| Loan loss allowance to noncurrent loans | 491.4286% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.5414% | 3,810 |
| Noncurrent loans to loans | 0.2914% | 4,640 |
| Net loans and leases to total assets | 73.4627% | 1,748 |
| Net loans and leases to deposits | 86.0474% | 2,047 |
| Net loans and leases to core deposits | 91.9615% | 2,165 |
| Total domestic deposits to total assets | 85.3746% | 2,980 |
| Equity capital to assets | 9.4166% | 4,758 |
| Core capital (leverage) ratio | 8.5880% | 5,452 |
| Tier 1 risk-based capital ratio | 10.9464% | 5,740 |
| Total risk-based capital ratio | 12.1983% | 5,651 |
| Memoranda: | ||
| Average total assets | $242,657,330 | 2,594 |
| Average earning assets | $229,175,670 | 2,545 |
| Average equity | $22,800,670 | 2,929 |
| Average total loans | $175,878,670 | 2,302 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0090% | 3,202 |
| Cost of funding earning assets | 0.1897% | 5,599 |
| Net interest margin | 3.8194% | 2,166 |
| Noninterest income to average assets | 0.3060% | 4,739 |
| Noninterest expense to average assets | 2.6803% | 3,657 |
| Loan and lease loss provision to assets | 0.1481% | 1,370 |
| Net operating income to assets | 1.0892% | 1,906 |
| Return on assets (ROA) | 1.4595% | 984 |
| Pretax return on assets | 1.4595% | 1,699 |
| Return on Equity (ROE) | 15.5491% | 628 |
| Retained earnings to average equity (ytd only) | 13.0073% | 444 |
| Net charge-offs to loans | -0.0046% | 4,478 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5687% | 4,057 |
| Assets per employee ($millions) | 4.8283% | 2,584 |
| Cash dividends to net income (ytd only)* | 16.3472% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4643% | 2,597 |
| Loan loss allowance to noncurrent loans | 177.7934% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 0.6661% | 3,485 |
| Noncurrent loans to loans | 0.8236% | 3,186 |
| Net loans and leases to total assets | 71.9615% | 1,807 |
| Net loans and leases to deposits | 83.6729% | 2,122 |
| Net loans and leases to core deposits | 86.2191% | 2,521 |
| Total domestic deposits to total assets | 86.0033% | 2,936 |
| Equity capital to assets | 9.8320% | 4,347 |
| Core capital (leverage) ratio | 8.4633% | 5,560 |
| Tier 1 risk-based capital ratio | 11.3618% | 5,625 |
| Total risk-based capital ratio | 12.6134% | 5,536 |
| Memoranda: | ||
| Average total assets | $243,103,500 | 2,612 |
| Average earning assets | $229,880,000 | 2,556 |
| Average equity | $22,818,000 | 2,946 |
| Average total loans | $173,724,500 | 2,332 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0339% | 3,582 |
| Cost of funding earning assets | 0.2136% | 5,635 |
| Net interest margin | 3.8204% | 2,549 |
| Noninterest income to average assets | 0.4258% | 4,000 |
| Noninterest expense to average assets | 2.7193% | 3,797 |
| Loan and lease loss provision to assets | 0.3288% | 591 |
| Net operating income to assets | 1.0055% | 2,353 |
| Return on assets (ROA) | 1.0671% | 2,153 |
| Pretax return on assets | 1.0671% | 3,220 |
| Return on Equity (ROE) | 11.5422% | 1,543 |
| Retained earnings to average equity (ytd only) | 2.1023% | 4,729 |
| Net charge-offs to loans | 0.2345% | 1,803 |
| Credit loss provision to net charge-offs | 208.0000% | 1,190 |
| Earnings coverage of net charge-offs (x) | 8.4400% | 2,880 |
| Efficiency ratio | 65.2106% | 4,370 |
| Assets per employee ($millions) | 5.2005% | 2,075 |
| Cash dividends to net income (ytd only)* | 81.7859% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3958% | 2,969 |
| Loan loss allowance to noncurrent loans | 357.4780% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.3345% | 4,711 |
| Noncurrent loans to loans | 0.3905% | 4,473 |
| Net loans and leases to total assets | 68.9967% | 2,396 |
| Net loans and leases to deposits | 79.4845% | 2,787 |
| Net loans and leases to core deposits | 81.9320% | 3,120 |
| Total domestic deposits to total assets | 86.8052% | 2,390 |
| Equity capital to assets | 8.9636% | 5,330 |
| Core capital (leverage) ratio | 8.0440% | 5,974 |
| Tier 1 risk-based capital ratio | 10.7938% | 5,995 |
| Total risk-based capital ratio | 12.0456% | 5,928 |
| Memoranda: | ||
| Average total assets | $237,190,600 | 2,637 |
| Average earning assets | $225,238,600 | 2,574 |
| Average equity | $21,928,200 | 2,955 |
| Average total loans | $159,947,400 | 2,426 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0360% | 3,608 |
| Cost of funding earning assets | 0.2212% | 5,654 |
| Net interest margin | 3.8149% | 2,561 |
| Noninterest income to average assets | 0.4654% | 3,765 |
| Noninterest expense to average assets | 2.6548% | 3,997 |
| Loan and lease loss provision to assets | 0.3930% | 436 |
| Net operating income to assets | 1.0429% | 2,268 |
| Return on assets (ROA) | 1.1249% | 2,013 |
| Pretax return on assets | 1.1249% | 3,089 |
| Return on Equity (ROE) | 12.0701% | 1,458 |
| Retained earnings to average equity (ytd only) | 3.2391% | 4,324 |
| Net charge-offs to loans | 0.3328% | 1,204 |
| Credit loss provision to net charge-offs | 176.9231% | 1,410 |
| Earnings coverage of net charge-offs (x) | 6.4641% | 3,082 |
| Efficiency ratio | 63.0187% | 4,720 |
| Assets per employee ($millions) | 4.9187% | 2,353 |
| Cash dividends to net income (ytd only)* | 73.1645% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4528% | 2,934 |
| Loan loss allowance to noncurrent loans | 263.3183% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.3753% | 4,795 |
| Noncurrent loans to loans | 0.5517% | 4,269 |
| Net loans and leases to total assets | 67.0295% | 2,682 |
| Net loans and leases to deposits | 77.6339% | 2,990 |
| Net loans and leases to core deposits | 80.1722% | 3,293 |
| Total domestic deposits to total assets | 86.3405% | 2,677 |
| Equity capital to assets | 9.4782% | 4,823 |
| Core capital (leverage) ratio | 8.2207% | 5,909 |
| Tier 1 risk-based capital ratio | 11.6755% | 5,683 |
| Total risk-based capital ratio | 12.9280% | 5,604 |
| Memoranda: | ||
| Average total assets | $234,082,750 | 2,680 |
| Average earning assets | $222,456,250 | 2,610 |
| Average equity | $21,816,500 | 2,967 |
| Average total loans | $156,267,000 | 2,489 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0056% | 3,711 |
| Cost of funding earning assets | 0.2270% | 5,687 |
| Net interest margin | 3.7786% | 2,643 |
| Noninterest income to average assets | 0.4910% | 3,543 |
| Noninterest expense to average assets | 2.6520% | 4,046 |
| Loan and lease loss provision to assets | 0.5141% | 285 |
| Net operating income to assets | 0.9194% | 2,705 |
| Return on assets (ROA) | 1.0248% | 2,288 |
| Pretax return on assets | 1.0248% | 3,376 |
| Return on Equity (ROE) | 11.0591% | 1,723 |
| Retained earnings to average equity (ytd only) | 2.2285% | 4,777 |
| Net charge-offs to loans | 0.4637% | 872 |
| Credit loss provision to net charge-offs | 167.1309% | 1,347 |
| Earnings coverage of net charge-offs (x) | 4.6602% | 3,066 |
| Efficiency ratio | 63.0034% | 4,860 |
| Assets per employee ($millions) | 4.7018% | 2,606 |
| Cash dividends to net income (ytd only)* | 79.8495% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4855% | 2,969 |
| Loan loss allowance to noncurrent loans | 113.1343% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 1.0248% | 3,020 |
| Noncurrent loans to loans | 1.3131% | 2,614 |
| Net loans and leases to total assets | 65.4558% | 2,841 |
| Net loans and leases to deposits | 74.9385% | 3,201 |
| Net loans and leases to core deposits | 77.5410% | 3,491 |
| Total domestic deposits to total assets | 87.3460% | 2,280 |
| Equity capital to assets | 9.5965% | 4,630 |
| Core capital (leverage) ratio | 8.2621% | 5,879 |
| Tier 1 risk-based capital ratio | 12.0176% | 5,533 |
| Total risk-based capital ratio | 13.2700% | 5,467 |
| Memoranda: | ||
| Average total assets | $233,410,670 | 2,694 |
| Average earning assets | $222,038,330 | 2,625 |
| Average equity | $21,629,330 | 2,985 |
| Average total loans | $154,826,330 | 2,505 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8698% | 4,213 |
| Cost of funding earning assets | 0.2307% | 5,747 |
| Net interest margin | 3.6391% | 3,102 |
| Noninterest income to average assets | 0.3082% | 4,898 |
| Noninterest expense to average assets | 2.6630% | 4,066 |
| Loan and lease loss provision to assets | 0.1703% | 1,415 |
| Net operating income to assets | 0.9399% | 2,455 |
| Return on assets (ROA) | 0.9518% | 2,470 |
| Pretax return on assets | 0.9518% | 3,503 |
| Return on Equity (ROE) | 10.4537% | 1,887 |
| Retained earnings to average equity (ytd only) | 5.2175% | 2,984 |
| Net charge-offs to loans | 0.0180% | 3,224 |
| Credit loss provision to net charge-offs | 1,428.5714% | 236 |
| Earnings coverage of net charge-offs (x) | 93.1429% | 483 |
| Efficiency ratio | 68.5018% | 4,089 |
| Assets per employee ($millions) | 4.9713% | 2,287 |
| Cash dividends to net income (ytd only)* | 50.0894% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4062% | 3,570 |
| Loan loss allowance to noncurrent loans | 84.6001% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 1.4295% | 2,482 |
| Noncurrent loans to loans | 1.6621% | 2,331 |
| Net loans and leases to total assets | 63.7983% | 2,929 |
| Net loans and leases to deposits | 71.0427% | 3,473 |
| Net loans and leases to core deposits | 74.1099% | 3,633 |
| Total domestic deposits to total assets | 89.8027% | 1,180 |
| Equity capital to assets | 9.2947% | 4,764 |
| Core capital (leverage) ratio | 8.1919% | 5,954 |
| Tier 1 risk-based capital ratio | 11.6072% | 5,858 |
| Total risk-based capital ratio | 12.8583% | 5,805 |
| Memoranda: | ||
| Average total assets | $234,923,000 | 2,693 |
| Average earning assets | $223,681,500 | 2,622 |
| Average equity | $21,389,500 | 3,006 |
| Average total loans | $155,702,000 | 2,512 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9932% | 4,105 |
| Cost of funding earning assets | 0.3016% | 5,586 |
| Net interest margin | 3.6917% | 3,088 |
| Noninterest income to average assets | 0.3048% | 5,163 |
| Noninterest expense to average assets | 2.5642% | 4,576 |
| Loan and lease loss provision to assets | 0.2601% | 1,372 |
| Net operating income to assets | 0.9719% | 2,462 |
| Return on assets (ROA) | 0.9992% | 2,391 |
| Pretax return on assets | 1.0270% | 3,237 |
| Return on Equity (ROE) | 10.8424% | 1,818 |
| Retained earnings to average equity (ytd only) | -2.3566% | 6,208 |
| Net charge-offs to loans | 0.7601% | 831 |
| Credit loss provision to net charge-offs | 50.1253% | 3,811 |
| Earnings coverage of net charge-offs (x) | 2.4261% | 4,200 |
| Efficiency ratio | 64.9960% | 4,735 |
| Assets per employee ($millions) | 5.1347% | 2,029 |
| Cash dividends to net income (ytd only)* | 121.7354% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2689% | 4,302 |
| Loan loss allowance to noncurrent loans | 73.2877% | 4,388 |
| Noncurrent assets plus other real estate owned to assets | 1.5347% | 2,423 |
| Noncurrent loans to loans | 1.7314% | 2,320 |
| Net loans and leases to total assets | 66.9699% | 2,523 |
| Net loans and leases to deposits | 73.8615% | 3,279 |
| Net loans and leases to core deposits | 76.7519% | 3,524 |
| Total domestic deposits to total assets | 90.6697% | 718 |
| Equity capital to assets | 8.9171% | 5,134 |
| Core capital (leverage) ratio | 8.0866% | 6,065 |
| Tier 1 risk-based capital ratio | 11.0367% | 6,157 |
| Total risk-based capital ratio | 12.2569% | 6,114 |
| Memoranda: | ||
| Average total assets | $230,678,600 | 2,715 |
| Average earning assets | $219,847,200 | 2,620 |
| Average equity | $21,259,200 | 3,005 |
| Average total loans | $157,486,200 | 2,459 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0103% | 4,090 |
| Cost of funding earning assets | 0.3161% | 5,589 |
| Net interest margin | 3.6942% | 3,051 |
| Noninterest income to average assets | 0.3442% | 4,937 |
| Noninterest expense to average assets | 2.5183% | 4,662 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3096% | 1,328 |
| Return on assets (ROA) | 1.3339% | 1,312 |
| Pretax return on assets | 1.3711% | 2,037 |
| Return on Equity (ROE) | 14.3538% | 917 |
| Retained earnings to average equity (ytd only) | -1.3578% | 6,179 |
| Net charge-offs to loans | -0.3682% | 6,749 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1056% | 4,967 |
| Assets per employee ($millions) | 4.7799% | 2,464 |
| Cash dividends to net income (ytd only)* | 109.4596% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9439% | 1,872 |
| Loan loss allowance to noncurrent loans | 154.1520% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 1.1816% | 3,294 |
| Noncurrent loans to loans | 1.2611% | 3,293 |
| Net loans and leases to total assets | 67.3401% | 2,406 |
| Net loans and leases to deposits | 77.9256% | 2,674 |
| Net loans and leases to core deposits | 80.7470% | 3,039 |
| Total domestic deposits to total assets | 86.4159% | 3,019 |
| Equity capital to assets | 9.1511% | 4,989 |
| Core capital (leverage) ratio | 8.0181% | 6,206 |
| Tier 1 risk-based capital ratio | 11.0025% | 6,280 |
| Total risk-based capital ratio | 12.2603% | 6,238 |
| Memoranda: | ||
| Average total assets | $229,299,000 | 2,743 |
| Average earning assets | $218,498,500 | 2,651 |
| Average equity | $21,308,500 | 3,041 |
| Average total loans | $156,804,250 | 2,474 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0111% | 4,056 |
| Cost of funding earning assets | 0.3268% | 5,596 |
| Net interest margin | 3.6844% | 3,014 |
| Noninterest income to average assets | 0.3498% | 4,890 |
| Noninterest expense to average assets | 2.5256% | 4,646 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2813% | 1,368 |
| Return on assets (ROA) | 1.3173% | 1,361 |
| Pretax return on assets | 1.3732% | 2,026 |
| Return on Equity (ROE) | 14.1038% | 989 |
| Retained earnings to average equity (ytd only) | -3.2784% | 6,342 |
| Net charge-offs to loans | -0.2926% | 6,749 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3303% | 4,956 |
| Assets per employee ($millions) | 4.5732% | 2,685 |
| Cash dividends to net income (ytd only)* | 123.2450% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8699% | 2,196 |
| Loan loss allowance to noncurrent loans | 146.0910% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 1.1917% | 3,363 |
| Noncurrent loans to loans | 1.2800% | 3,415 |
| Net loans and leases to total assets | 65.6155% | 2,658 |
| Net loans and leases to deposits | 74.9793% | 3,018 |
| Net loans and leases to core deposits | 77.8000% | 3,322 |
| Total domestic deposits to total assets | 87.5115% | 2,533 |
| Equity capital to assets | 8.9312% | 5,290 |
| Core capital (leverage) ratio | 7.9986% | 6,189 |
| Tier 1 risk-based capital ratio | 11.2521% | 6,225 |
| Total risk-based capital ratio | 12.5087% | 6,188 |
| Memoranda: | ||
| Average total assets | $229,253,000 | 2,753 |
| Average earning assets | $218,491,330 | 2,657 |
| Average equity | $21,412,670 | 3,045 |
| Average total loans | $156,550,330 | 2,483 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0175% | 4,047 |
| Cost of funding earning assets | 0.3366% | 5,665 |
| Net interest margin | 3.6809% | 2,944 |
| Noninterest income to average assets | 0.3171% | 5,158 |
| Noninterest expense to average assets | 2.4936% | 4,780 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2716% | 1,350 |
| Return on assets (ROA) | 1.3435% | 1,262 |
| Pretax return on assets | 1.4045% | 1,835 |
| Return on Equity (ROE) | 14.0770% | 949 |
| Retained earnings to average equity (ytd only) | -1.4424% | 6,008 |
| Net charge-offs to loans | -0.2753% | 6,753 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1267% | 5,137 |
| Assets per employee ($millions) | 4.6533% | 2,725 |
| Cash dividends to net income (ytd only)* | 110.2464% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7993% | 2,622 |
| Loan loss allowance to noncurrent loans | 134.3965% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 1.2925% | 3,385 |
| Noncurrent loans to loans | 1.3388% | 3,559 |
| Net loans and leases to total assets | 65.5612% | 2,448 |
| Net loans and leases to deposits | 73.8603% | 2,934 |
| Net loans and leases to core deposits | 76.6397% | 3,240 |
| Total domestic deposits to total assets | 88.7638% | 1,821 |
| Equity capital to assets | 9.5635% | 4,767 |
| Core capital (leverage) ratio | 8.1028% | 6,040 |
| Tier 1 risk-based capital ratio | 11.3737% | 6,246 |
| Total risk-based capital ratio | 12.6299% | 6,219 |
| Memoranda: | ||
| Average total assets | $229,550,500 | 2,779 |
| Average earning assets | $218,642,000 | 2,682 |
| Average equity | $21,908,000 | 3,037 |
| Average total loans | $158,378,500 | 2,473 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4490% | 3,616 |
| Cost of funding earning assets | 0.4343% | 5,689 |
| Net interest margin | 4.0147% | 2,339 |
| Noninterest income to average assets | 0.2991% | 5,323 |
| Noninterest expense to average assets | 2.6727% | 4,500 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.3690% | 1,156 |
| Return on assets (ROA) | 1.4450% | 1,133 |
| Pretax return on assets | 1.5170% | 1,632 |
| Return on Equity (ROE) | 14.8990% | 827 |
| Retained earnings to average equity (ytd only) | 3.2361% | 3,944 |
| Net charge-offs to loans | -0.0355% | 6,643 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0440% | 5,072 |
| Assets per employee ($millions) | 4.7161% | 2,626 |
| Cash dividends to net income (ytd only)* | 78.2797% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5985% | 3,317 |
| Loan loss allowance to noncurrent loans | 114.0503% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 1.3912% | 3,314 |
| Noncurrent loans to loans | 1.4016% | 3,499 |
| Net loans and leases to total assets | 70.0599% | 1,832 |
| Net loans and leases to deposits | 78.9352% | 2,408 |
| Net loans and leases to core deposits | 82.0495% | 2,765 |
| Total domestic deposits to total assets | 88.7562% | 1,730 |
| Equity capital to assets | 9.5245% | 4,840 |
| Core capital (leverage) ratio | 8.1602% | 6,034 |
| Tier 1 risk-based capital ratio | 10.6917% | 6,479 |
| Total risk-based capital ratio | 11.9453% | 6,442 |
| Memoranda: | ||
| Average total assets | $223,665,800 | 2,801 |
| Average earning assets | $212,295,800 | 2,704 |
| Average equity | $21,692,800 | 3,012 |
| Average total loans | $152,221,400 | 2,540 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4767% | 3,731 |
| Cost of funding earning assets | 0.4558% | 5,755 |
| Net interest margin | 4.0209% | 2,410 |
| Noninterest income to average assets | 0.2915% | 5,441 |
| Noninterest expense to average assets | 2.5258% | 5,001 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.5083% | 1,004 |
| Return on assets (ROA) | 1.6115% | 911 |
| Pretax return on assets | 1.6861% | 1,304 |
| Return on Equity (ROE) | 16.5386% | 664 |
| Retained earnings to average equity (ytd only) | 4.2318% | 3,916 |
| Net charge-offs to loans | -0.0009% | 6,185 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5196% | 5,574 |
| Assets per employee ($millions) | 4.7008% | 2,601 |
| Cash dividends to net income (ytd only)* | 74.4124% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5854% | 3,581 |
| Loan loss allowance to noncurrent loans | 126.0147% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 1.4111% | 3,487 |
| Noncurrent loans to loans | 1.2581% | 3,948 |
| Net loans and leases to total assets | 70.8948% | 1,742 |
| Net loans and leases to deposits | 83.6169% | 1,916 |
| Net loans and leases to core deposits | 89.8927% | 1,996 |
| Total domestic deposits to total assets | 84.7853% | 3,843 |
| Equity capital to assets | 9.8171% | 4,756 |
| Core capital (leverage) ratio | 8.1741% | 6,168 |
| Tier 1 risk-based capital ratio | 10.7436% | 6,589 |
| Total risk-based capital ratio | 11.9969% | 6,569 |
| Memoranda: | ||
| Average total assets | $221,810,250 | 2,841 |
| Average earning assets | $210,327,250 | 2,759 |
| Average equity | $21,613,500 | 3,044 |
| Average total loans | $149,144,250 | 2,617 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4024% | 4,180 |
| Cost of funding earning assets | 0.4637% | 5,880 |
| Net interest margin | 3.9387% | 2,753 |
| Noninterest income to average assets | 0.3029% | 5,387 |
| Noninterest expense to average assets | 2.5520% | 4,952 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4203% | 1,148 |
| Return on assets (ROA) | 1.5426% | 1,038 |
| Pretax return on assets | 1.6161% | 1,500 |
| Return on Equity (ROE) | 15.8717% | 785 |
| Retained earnings to average equity (ytd only) | 3.4617% | 4,296 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1136% | 5,405 |
| Assets per employee ($millions) | 4.5773% | 2,762 |
| Cash dividends to net income (ytd only)* | 78.1893% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6866% | 3,282 |
| Loan loss allowance to noncurrent loans | 104.5030% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 1.4979% | 3,457 |
| Noncurrent loans to loans | 1.6140% | 3,488 |
| Net loans and leases to total assets | 68.3419% | 2,226 |
| Net loans and leases to deposits | 83.5224% | 1,912 |
| Net loans and leases to core deposits | 87.4667% | 2,259 |
| Total domestic deposits to total assets | 81.8247% | 5,195 |
| Equity capital to assets | 9.8439% | 4,553 |
| Core capital (leverage) ratio | 8.3492% | 5,849 |
| Tier 1 risk-based capital ratio | 11.1676% | 6,417 |
| Total risk-based capital ratio | 12.4224% | 6,391 |
| Memoranda: | ||
| Average total assets | $220,534,670 | 2,863 |
| Average earning assets | $209,205,330 | 2,774 |
| Average equity | $21,434,330 | 3,054 |
| Average total loans | $144,678,330 | 2,694 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4420% | 4,151 |
| Cost of funding earning assets | 0.4885% | 5,879 |
| Net interest margin | 3.9535% | 2,698 |
| Noninterest income to average assets | 0.2553% | 5,814 |
| Noninterest expense to average assets | 2.5201% | 5,086 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4187% | 1,186 |
| Return on assets (ROA) | 1.5443% | 1,068 |
| Pretax return on assets | 1.6185% | 1,510 |
| Return on Equity (ROE) | 15.9906% | 806 |
| Retained earnings to average equity (ytd only) | 5.7739% | 3,093 |
| Net charge-offs to loans | -0.0256% | 6,273 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8224% | 5,486 |
| Assets per employee ($millions) | 4.4145% | 3,167 |
| Cash dividends to net income (ytd only)* | 63.8921% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8600% | 2,809 |
| Loan loss allowance to noncurrent loans | 100.9766% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 1.5718% | 3,504 |
| Noncurrent loans to loans | 1.8420% | 3,354 |
| Net loans and leases to total assets | 63.0544% | 3,031 |
| Net loans and leases to deposits | 73.7463% | 3,152 |
| Net loans and leases to core deposits | 77.0917% | 3,459 |
| Total domestic deposits to total assets | 85.5018% | 3,790 |
| Equity capital to assets | 9.9260% | 4,225 |
| Core capital (leverage) ratio | 8.2684% | 5,926 |
| Tier 1 risk-based capital ratio | 12.0289% | 5,941 |
| Total risk-based capital ratio | 13.2855% | 5,926 |
| Memoranda: | ||
| Average total assets | $220,947,000 | 2,883 |
| Average earning assets | $209,634,500 | 2,782 |
| Average equity | $21,337,500 | 3,068 |
| Average total loans | $140,652,500 | 2,776 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8083% | 3,771 |
| Cost of funding earning assets | 0.6749% | 5,687 |
| Net interest margin | 4.1333% | 2,295 |
| Noninterest income to average assets | 0.3237% | 5,224 |
| Noninterest expense to average assets | 2.8106% | 4,307 |
| Loan and lease loss provision to assets | 0.0238% | 6,280 |
| Net operating income to assets | 1.3103% | 1,218 |
| Return on assets (ROA) | 1.3582% | 1,207 |
| Pretax return on assets | 1.4381% | 1,659 |
| Return on Equity (ROE) | 13.9192% | 948 |
| Retained earnings to average equity (ytd only) | 3.6250% | 3,630 |
| Net charge-offs to loans | -0.2320% | 7,222 |
| Credit loss provision to net charge-offs | -15.4799% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4903% | 5,044 |
| Assets per employee ($millions) | 4.6038% | 2,750 |
| Cash dividends to net income (ytd only)* | 73.9572% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8099% | 2,837 |
| Loan loss allowance to noncurrent loans | 93.2320% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 1.6162% | 3,531 |
| Noncurrent loans to loans | 1.9413% | 3,283 |
| Net loans and leases to total assets | 61.9508% | 3,609 |
| Net loans and leases to deposits | 69.8081% | 4,137 |
| Net loans and leases to core deposits | 73.4326% | 4,314 |
| Total domestic deposits to total assets | 88.7443% | 1,691 |
| Equity capital to assets | 9.3996% | 5,019 |
| Core capital (leverage) ratio | 8.1695% | 6,042 |
| Tier 1 risk-based capital ratio | 11.6687% | 6,044 |
| Total risk-based capital ratio | 12.9248% | 6,023 |
| Memoranda: | ||
| Average total assets | $210,063,200 | 2,945 |
| Average earning assets | $198,096,600 | 2,879 |
| Average equity | $20,496,800 | 3,070 |
| Average total loans | $139,232,800 | 2,805 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9208% | 3,469 |
| Cost of funding earning assets | 0.7139% | 5,679 |
| Net interest margin | 4.2069% | 2,071 |
| Noninterest income to average assets | 0.3628% | 4,969 |
| Noninterest expense to average assets | 2.7787% | 4,418 |
| Loan and lease loss provision to assets | 0.0323% | 6,038 |
| Net operating income to assets | 1.4424% | 1,073 |
| Return on assets (ROA) | 1.4990% | 1,017 |
| Pretax return on assets | 1.5707% | 1,458 |
| Return on Equity (ROE) | 15.2096% | 804 |
| Retained earnings to average equity (ytd only) | 4.1863% | 3,754 |
| Net charge-offs to loans | -0.3207% | 7,309 |
| Credit loss provision to net charge-offs | -15.0150% | 6,419 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2083% | 5,379 |
| Assets per employee ($millions) | 4.3757% | 3,122 |
| Cash dividends to net income (ytd only)* | 72.4761% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8248% | 2,849 |
| Loan loss allowance to noncurrent loans | 115.7047% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 1.5117% | 3,841 |
| Noncurrent loans to loans | 1.5771% | 3,933 |
| Net loans and leases to total assets | 66.2394% | 2,847 |
| Net loans and leases to deposits | 78.3385% | 2,914 |
| Net loans and leases to core deposits | 82.9439% | 3,197 |
| Total domestic deposits to total assets | 84.5554% | 3,985 |
| Equity capital to assets | 10.0736% | 4,246 |
| Core capital (leverage) ratio | 8.3436% | 5,924 |
| Tier 1 risk-based capital ratio | 11.5903% | 6,179 |
| Total risk-based capital ratio | 12.8463% | 6,164 |
| Memoranda: | ||
| Average total assets | $206,183,000 | 3,003 |
| Average earning assets | $194,057,500 | 2,934 |
| Average equity | $20,320,000 | 3,101 |
| Average total loans | $138,459,250 | 2,843 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9230% | 3,519 |
| Cost of funding earning assets | 0.7408% | 5,730 |
| Net interest margin | 4.1822% | 2,112 |
| Noninterest income to average assets | 0.3943% | 4,725 |
| Noninterest expense to average assets | 2.8502% | 4,229 |
| Loan and lease loss provision to assets | 0.0488% | 5,703 |
| Net operating income to assets | 1.3653% | 1,156 |
| Return on assets (ROA) | 1.3782% | 1,197 |
| Pretax return on assets | 1.4436% | 1,685 |
| Return on Equity (ROE) | 14.0913% | 963 |
| Retained earnings to average equity (ytd only) | 1.8163% | 5,085 |
| Net charge-offs to loans | -0.0990% | 7,166 |
| Credit loss provision to net charge-offs | -73.5294% | 6,287 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7430% | 5,286 |
| Assets per employee ($millions) | 4.2129% | 3,328 |
| Cash dividends to net income (ytd only)* | 87.1105% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7008% | 3,324 |
| Loan loss allowance to noncurrent loans | 98.8080% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 1.6427% | 3,712 |
| Noncurrent loans to loans | 1.7214% | 3,854 |
| Net loans and leases to total assets | 64.9804% | 3,261 |
| Net loans and leases to deposits | 76.2455% | 3,420 |
| Net loans and leases to core deposits | 80.5487% | 3,709 |
| Total domestic deposits to total assets | 85.2252% | 3,773 |
| Equity capital to assets | 9.9790% | 4,177 |
| Core capital (leverage) ratio | 8.1887% | 6,050 |
| Tier 1 risk-based capital ratio | 11.5224% | 6,155 |
| Total risk-based capital ratio | 12.7770% | 6,136 |
| Memoranda: | ||
| Average total assets | $204,899,000 | 3,039 |
| Average earning assets | $192,770,000 | 2,958 |
| Average equity | $20,040,670 | 3,118 |
| Average total loans | $137,375,000 | 2,902 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9012% | 3,589 |
| Cost of funding earning assets | 0.7657% | 5,773 |
| Net interest margin | 4.1355% | 2,135 |
| Noninterest income to average assets | 0.4213% | 4,528 |
| Noninterest expense to average assets | 3.0216% | 3,550 |
| Loan and lease loss provision to assets | 0.0980% | 4,779 |
| Net operating income to assets | 1.1337% | 1,725 |
| Return on assets (ROA) | 1.1600% | 1,679 |
| Pretax return on assets | 1.2129% | 2,326 |
| Return on Equity (ROE) | 11.9832% | 1,468 |
| Retained earnings to average equity (ytd only) | -0.7692% | 5,939 |
| Net charge-offs to loans | -0.2293% | 7,286 |
| Credit loss provision to net charge-offs | -63.2911% | 5,667 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0473% | 4,645 |
| Assets per employee ($millions) | 4.1176% | 3,600 |
| Cash dividends to net income (ytd only)* | 106.4189% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7656% | 3,110 |
| Loan loss allowance to noncurrent loans | 346.5082% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.8530% | 5,198 |
| Noncurrent loans to loans | 0.5096% | 6,002 |
| Net loans and leases to total assets | 64.3056% | 3,388 |
| Net loans and leases to deposits | 73.8165% | 3,786 |
| Net loans and leases to core deposits | 78.3972% | 3,967 |
| Total domestic deposits to total assets | 87.1156% | 2,885 |
| Equity capital to assets | 9.8080% | 4,024 |
| Core capital (leverage) ratio | 8.2622% | 5,879 |
| Tier 1 risk-based capital ratio | 11.8857% | 5,795 |
| Total risk-based capital ratio | 13.1411% | 5,782 |
| Memoranda: | ||
| Average total assets | $204,132,000 | 3,066 |
| Average earning assets | $191,707,500 | 2,987 |
| Average equity | $19,761,000 | 3,153 |
| Average total loans | $137,831,500 | 2,931 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4949% | 2,309 |
| Cost of funding earning assets | 1.0558% | 5,391 |
| Net interest margin | 4.4391% | 1,376 |
| Noninterest income to average assets | 0.2214% | 6,222 |
| Noninterest expense to average assets | 3.1480% | 3,280 |
| Loan and lease loss provision to assets | 0.3979% | 3,726 |
| Net operating income to assets | 0.7547% | 2,982 |
| Return on assets (ROA) | 0.7547% | 3,104 |
| Pretax return on assets | 0.8058% | 3,610 |
| Return on Equity (ROE) | 7.8473% | 2,756 |
| Retained earnings to average equity (ytd only) | 3.4085% | 3,481 |
| Net charge-offs to loans | 0.2612% | 4,731 |
| Credit loss provision to net charge-offs | 207.9890% | 1,482 |
| Earnings coverage of net charge-offs (x) | 6.2920% | 2,390 |
| Efficiency ratio | 70.2313% | 4,131 |
| Assets per employee ($millions) | 4.2143% | 3,364 |
| Cash dividends to net income (ytd only)* | 56.5642% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5343% | 3,841 |
| Loan loss allowance to noncurrent loans | 251.7714% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 1.4082% | 4,235 |
| Noncurrent loans to loans | 0.6094% | 5,823 |
| Net loans and leases to total assets | 68.4660% | 2,871 |
| Net loans and leases to deposits | 78.3481% | 3,459 |
| Net loans and leases to core deposits | 82.7299% | 3,788 |
| Total domestic deposits to total assets | 87.3870% | 2,618 |
| Equity capital to assets | 9.5559% | 4,332 |
| Core capital (leverage) ratio | 8.1289% | 5,946 |
| Tier 1 risk-based capital ratio | 11.4682% | 5,933 |
| Total risk-based capital ratio | 12.7218% | 5,931 |
| Memoranda: | ||
| Average total assets | $189,739,400 | 3,234 |
| Average earning assets | $176,545,600 | 3,159 |
| Average equity | $18,248,400 | 3,390 |
| Average total loans | $138,956,600 | 2,969 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6114% | 2,023 |
| Cost of funding earning assets | 1.0978% | 5,429 |
| Net interest margin | 4.5136% | 1,230 |
| Noninterest income to average assets | 0.1452% | 6,818 |
| Noninterest expense to average assets | 3.1064% | 3,307 |
| Loan and lease loss provision to assets | 0.5066% | 2,924 |
| Net operating income to assets | 0.6862% | 3,487 |
| Return on assets (ROA) | 0.6862% | 3,640 |
| Pretax return on assets | 0.7243% | 4,161 |
| Return on Equity (ROE) | 7.1225% | 3,286 |
| Retained earnings to average equity (ytd only) | 2.7968% | 4,477 |
| Net charge-offs to loans | 0.2390% | 4,511 |
| Credit loss provision to net charge-offs | 285.4251% | 1,133 |
| Earnings coverage of net charge-offs (x) | 6.9351% | 2,420 |
| Efficiency ratio | 69.5162% | 4,174 |
| Assets per employee ($millions) | 3.9396% | 3,955 |
| Cash dividends to net income (ytd only)* | 60.7327% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5480% | 3,739 |
| Loan loss allowance to noncurrent loans | 156.8072% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 1.8175% | 3,724 |
| Noncurrent loans to loans | 0.9872% | 5,267 |
| Net loans and leases to total assets | 73.2586% | 1,965 |
| Net loans and leases to deposits | 86.4614% | 2,244 |
| Net loans and leases to core deposits | 90.9850% | 2,953 |
| Total domestic deposits to total assets | 84.7298% | 3,762 |
| Equity capital to assets | 10.0630% | 4,076 |
| Core capital (leverage) ratio | 8.2266% | 5,996 |
| Tier 1 risk-based capital ratio | 11.2200% | 6,173 |
| Total risk-based capital ratio | 12.4746% | 6,164 |
| Memoranda: | ||
| Average total assets | $185,549,000 | 3,334 |
| Average earning assets | $172,335,500 | 3,280 |
| Average equity | $17,877,250 | 3,487 |
| Average total loans | $137,799,250 | 3,024 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6162% | 2,074 |
| Cost of funding earning assets | 1.1351% | 5,487 |
| Net interest margin | 4.4811% | 1,245 |
| Noninterest income to average assets | -0.0143% | 7,557 |
| Noninterest expense to average assets | 3.1980% | 2,905 |
| Loan and lease loss provision to assets | 0.2916% | 4,050 |
| Net operating income to assets | 0.6229% | 3,766 |
| Return on assets (ROA) | 0.6229% | 3,904 |
| Pretax return on assets | 0.6581% | 4,375 |
| Return on Equity (ROE) | 6.5703% | 3,518 |
| Retained earnings to average equity (ytd only) | 2.3913% | 4,638 |
| Net charge-offs to loans | -0.0059% | 7,126 |
| Credit loss provision to net charge-offs | -6,625.0000% | 7,051 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0066% | 3,261 |
| Assets per employee ($millions) | 3.8489% | 4,103 |
| Cash dividends to net income (ytd only)* | 63.6042% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4480% | 4,186 |
| Loan loss allowance to noncurrent loans | 115.9420% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 1.9613% | 3,540 |
| Noncurrent loans to loans | 1.2489% | 4,878 |
| Net loans and leases to total assets | 72.1212% | 2,366 |
| Net loans and leases to deposits | 85.1714% | 2,669 |
| Net loans and leases to core deposits | 90.8001% | 3,153 |
| Total domestic deposits to total assets | 84.6777% | 3,781 |
| Equity capital to assets | 10.0084% | 4,018 |
| Core capital (leverage) ratio | 8.1189% | 6,086 |
| Tier 1 risk-based capital ratio | 10.8057% | 6,447 |
| Total risk-based capital ratio | 12.0579% | 6,425 |
| Memoranda: | ||
| Average total assets | $181,739,000 | 3,419 |
| Average earning assets | $168,797,330 | 3,365 |
| Average equity | $17,229,000 | 3,600 |
| Average total loans | $134,874,670 | 3,104 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6547% | 1,940 |
| Cost of funding earning assets | 1.1785% | 5,520 |
| Net interest margin | 4.4763% | 1,195 |
| Noninterest income to average assets | 0.3714% | 5,175 |
| Noninterest expense to average assets | 3.1640% | 2,998 |
| Loan and lease loss provision to assets | 0.2637% | 3,920 |
| Net operating income to assets | 1.0272% | 2,080 |
| Return on assets (ROA) | 1.0272% | 2,143 |
| Pretax return on assets | 1.0891% | 2,775 |
| Return on Equity (ROE) | 11.1857% | 1,724 |
| Retained earnings to average equity (ytd only) | 8.4392% | 1,552 |
| Net charge-offs to loans | -0.0368% | 7,255 |
| Credit loss provision to net charge-offs | -958.3333% | 6,380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3756% | 4,644 |
| Assets per employee ($millions) | 3.9266% | 4,039 |
| Cash dividends to net income (ytd only)* | 24.5536% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3505% | 4,675 |
| Loan loss allowance to noncurrent loans | 98.2261% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 1.8352% | 3,727 |
| Noncurrent loans to loans | 1.3749% | 4,676 |
| Net loans and leases to total assets | 72.1054% | 2,425 |
| Net loans and leases to deposits | 85.8309% | 2,621 |
| Net loans and leases to core deposits | 91.3241% | 3,198 |
| Total domestic deposits to total assets | 84.0087% | 4,142 |
| Equity capital to assets | 10.0325% | 3,822 |
| Core capital (leverage) ratio | 8.0935% | 6,091 |
| Tier 1 risk-based capital ratio | 10.7190% | 6,421 |
| Total risk-based capital ratio | 11.9700% | 6,410 |
| Memoranda: | ||
| Average total assets | $174,460,500 | 3,585 |
| Average earning assets | $161,563,500 | 3,535 |
| Average equity | $16,020,500 | 3,824 |
| Average total loans | $130,486,500 | 3,251 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8387% | 2,489 |
| Cost of funding earning assets | 1.5383% | 5,346 |
| Net interest margin | 4.3004% | 1,719 |
| Noninterest income to average assets | 0.4180% | 5,063 |
| Noninterest expense to average assets | 2.8160% | 4,901 |
| Loan and lease loss provision to assets | 1.3050% | 1,764 |
| Net operating income to assets | 0.3060% | 4,514 |
| Return on assets (ROA) | 0.3060% | 4,593 |
| Pretax return on assets | 0.3286% | 4,694 |
| Return on Equity (ROE) | 3.7579% | 4,177 |
| Retained earnings to average equity (ytd only) | -9.3377% | 6,461 |
| Net charge-offs to loans | 1.9038% | 1,298 |
| Credit loss provision to net charge-offs | 87.5945% | 6,081 |
| Earnings coverage of net charge-offs (x) | 1.0965% | 5,013 |
| Efficiency ratio | 63.1234% | 5,945 |
| Assets per employee ($millions) | 4.0155% | 3,790 |
| Cash dividends to net income (ytd only)* | 348.4848% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5417% | 3,519 |
| Loan loss allowance to noncurrent loans | 137.6140% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 1.9274% | 3,489 |
| Noncurrent loans to loans | 1.1203% | 5,091 |
| Net loans and leases to total assets | 75.7971% | 1,855 |
| Net loans and leases to deposits | 94.0294% | 1,593 |
| Net loans and leases to core deposits | 115.3167% | 2,384 |
| Total domestic deposits to total assets | 80.6100% | 5,470 |
| Equity capital to assets | 8.0897% | 6,476 |
| Core capital (leverage) ratio | 7.8691% | 6,359 |
| Tier 1 risk-based capital ratio | 9.5910% | 7,170 |
| Total risk-based capital ratio | 10.8435% | 7,148 |
| Memoranda: | ||
| Average total assets | $150,959,800 | 3,945 |
| Average earning assets | $141,521,200 | 3,865 |
| Average equity | $12,294,200 | 4,686 |
| Average total loans | $118,131,800 | 3,521 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8424% | 2,695 |
| Cost of funding earning assets | 1.5974% | 5,413 |
| Net interest margin | 4.2450% | 1,887 |
| Noninterest income to average assets | 0.4251% | 5,089 |
| Noninterest expense to average assets | 2.7613% | 5,059 |
| Loan and lease loss provision to assets | 0.1506% | 5,843 |
| Net operating income to assets | 1.4055% | 1,016 |
| Return on assets (ROA) | 1.4055% | 1,082 |
| Pretax return on assets | 1.5046% | 1,402 |
| Return on Equity (ROE) | 17.2284% | 529 |
| Retained earnings to average equity (ytd only) | 2.4643% | 3,954 |
| Net charge-offs to loans | 0.8600% | 2,246 |
| Credit loss provision to net charge-offs | 22.2805% | 6,554 |
| Earnings coverage of net charge-offs (x) | 2.4495% | 4,010 |
| Efficiency ratio | 62.3621% | 6,046 |
| Assets per employee ($millions) | 3.9591% | 3,806 |
| Cash dividends to net income (ytd only)* | 85.6963% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2394% | 4,906 |
| Loan loss allowance to noncurrent loans | 114.1876% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 1.8018% | 3,656 |
| Noncurrent loans to loans | 1.0854% | 5,137 |
| Net loans and leases to total assets | 77.2538% | 1,731 |
| Net loans and leases to deposits | 100.6259% | 1,054 |
| Net loans and leases to core deposits | 123.9034% | 1,907 |
| Total domestic deposits to total assets | 76.7733% | 6,404 |
| Equity capital to assets | 8.0089% | 6,841 |
| Core capital (leverage) ratio | 8.0295% | 6,307 |
| Tier 1 risk-based capital ratio | 9.4667% | 7,398 |
| Total risk-based capital ratio | 10.6407% | 7,410 |
| Memoranda: | ||
| Average total assets | $150,552,500 | 3,972 |
| Average earning assets | $141,558,750 | 3,899 |
| Average equity | $12,281,750 | 4,722 |
| Average total loans | $118,297,500 | 3,549 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8528% | 2,792 |
| Cost of funding earning assets | 1.6804% | 5,362 |
| Net interest margin | 4.1724% | 2,086 |
| Noninterest income to average assets | 0.4247% | 5,082 |
| Noninterest expense to average assets | 2.7923% | 4,989 |
| Loan and lease loss provision to assets | 0.1608% | 5,457 |
| Net operating income to assets | 1.3064% | 1,216 |
| Return on assets (ROA) | 1.3064% | 1,293 |
| Pretax return on assets | 1.3975% | 1,734 |
| Return on Equity (ROE) | 15.9136% | 709 |
| Retained earnings to average equity (ytd only) | 4.8965% | 2,565 |
| Net charge-offs to loans | 0.5635% | 2,633 |
| Credit loss provision to net charge-offs | 36.2538% | 5,955 |
| Earnings coverage of net charge-offs (x) | 3.5136% | 3,412 |
| Efficiency ratio | 64.0283% | 5,911 |
| Assets per employee ($millions) | 3.7825% | 4,142 |
| Cash dividends to net income (ytd only)* | 69.2308% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6257% | 2,634 |
| Loan loss allowance to noncurrent loans | 96.1617% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 2.1211% | 3,030 |
| Noncurrent loans to loans | 1.6906% | 3,970 |
| Net loans and leases to total assets | 77.0760% | 1,935 |
| Net loans and leases to deposits | 95.4652% | 1,878 |
| Net loans and leases to core deposits | 117.1583% | 2,614 |
| Total domestic deposits to total assets | 80.7373% | 5,177 |
| Equity capital to assets | 8.3983% | 6,194 |
| Core capital (leverage) ratio | 8.2476% | 5,890 |
| Tier 1 risk-based capital ratio | 9.9921% | 6,940 |
| Total risk-based capital ratio | 11.2455% | 6,863 |
| Memoranda: | ||
| Average total assets | $149,268,670 | 4,007 |
| Average earning assets | $140,445,670 | 3,941 |
| Average equity | $12,253,670 | 4,749 |
| Average total loans | $117,470,000 | 3,592 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7817% | 3,396 |
| Cost of funding earning assets | 1.7599% | 5,313 |
| Net interest margin | 4.0218% | 2,569 |
| Noninterest income to average assets | 0.3890% | 5,308 |
| Noninterest expense to average assets | 2.7227% | 4,907 |
| Loan and lease loss provision to assets | 0.2398% | 4,064 |
| Net operating income to assets | 1.1456% | 1,823 |
| Return on assets (ROA) | 1.1456% | 1,946 |
| Pretax return on assets | 1.2255% | 2,530 |
| Return on Equity (ROE) | 14.1146% | 1,144 |
| Retained earnings to average equity (ytd only) | 6.7290% | 2,315 |
| Net charge-offs to loans | 1.1553% | 1,187 |
| Credit loss provision to net charge-offs | 26.3158% | 4,993 |
| Earnings coverage of net charge-offs (x) | 1.6082% | 3,923 |
| Efficiency ratio | 64.8219% | 5,536 |
| Assets per employee ($millions) | 3.9019% | 3,866 |
| Cash dividends to net income (ytd only)* | 52.3256% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5876% | 2,568 |
| Loan loss allowance to noncurrent loans | 61.4100% | 4,513 |
| Noncurrent assets plus other real estate owned to assets | 2.0186% | 2,872 |
| Noncurrent loans to loans | 2.5853% | 2,549 |
| Net loans and leases to total assets | 76.8404% | 2,078 |
| Net loans and leases to deposits | 98.5230% | 1,595 |
| Net loans and leases to core deposits | 122.8642% | 2,179 |
| Total domestic deposits to total assets | 77.9923% | 6,021 |
| Equity capital to assets | 8.3057% | 6,382 |
| Core capital (leverage) ratio | 8.1687% | 6,159 |
| Tier 1 risk-based capital ratio | 9.8756% | 7,060 |
| Total risk-based capital ratio | 11.1285% | 6,953 |
| Memoranda: | ||
| Average total assets | $150,144,000 | 4,009 |
| Average earning assets | $141,827,500 | 3,918 |
| Average equity | $12,186,000 | 4,791 |
| Average total loans | $118,415,000 | 3,597 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8146% | 1,627 |
| Cost of funding earning assets | 2.5804% | 3,790 |
| Net interest margin | 4.2342% | 2,181 |
| Noninterest income to average assets | 0.3717% | 5,727 |
| Noninterest expense to average assets | 2.8769% | 4,522 |
| Loan and lease loss provision to assets | 0.2636% | 4,286 |
| Net operating income to assets | 1.1171% | 2,080 |
| Return on assets (ROA) | 1.1171% | 1,996 |
| Pretax return on assets | 1.1989% | 2,644 |
| Return on Equity (ROE) | 13.9694% | 1,114 |
| Retained earnings to average equity (ytd only) | 1.6310% | 4,234 |
| Net charge-offs to loans | 0.0218% | 6,544 |
| Credit loss provision to net charge-offs | 1,500.0000% | 291 |
| Earnings coverage of net charge-offs (x) | 83.2308% | 502 |
| Efficiency ratio | 66.2046% | 5,086 |
| Assets per employee ($millions) | 3.8979% | 3,742 |
| Cash dividends to net income (ytd only)* | 88.3243% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7264% | 1,832 |
| Loan loss allowance to noncurrent loans | 110.8753% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 1.2400% | 3,746 |
| Noncurrent loans to loans | 1.5571% | 3,456 |
| Net loans and leases to total assets | 78.2610% | 2,062 |
| Net loans and leases to deposits | 95.6020% | 2,508 |
| Net loans and leases to core deposits | 116.2532% | 3,097 |
| Total domestic deposits to total assets | 81.8612% | 4,256 |
| Equity capital to assets | 7.9313% | 6,925 |
| Core capital (leverage) ratio | 7.7051% | 6,919 |
| Tier 1 risk-based capital ratio | 9.3428% | 7,474 |
| Total risk-based capital ratio | 10.5974% | 7,394 |
| Memoranda: | ||
| Average total assets | $147,973,200 | 3,938 |
| Average earning assets | $138,658,000 | 3,874 |
| Average equity | $11,833,000 | 4,880 |
| Average total loans | $119,422,200 | 3,475 |