Home > Valliance Bank > Performance and Condition Ratios
Valliance 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 | 6.2777% | 852 |
| Cost of funding earning assets | 2.5205% | 829 |
| Net interest margin | 3.7572% | 1,771 |
| Noninterest income to average assets | 0.2500% | 3,214 |
| Noninterest expense to average assets | 2.8722% | 1,370 |
| Loan and lease loss provision to assets | 0.0800% | 1,535 |
| Net operating income to assets | 1.4911% | 1,113 |
| Return on assets (ROA) | 1.4911% | 1,108 |
| Pretax return on assets | 0.8434% | 3,100 |
| Return on Equity (ROE) | 16.6300% | 803 |
| Retained earnings to average equity (ytd only) | 6.7105% | 2,089 |
| Net charge-offs to loans | -0.0441% | 4,271 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 75.7700% | 1,269 |
| Assets per employee ($millions) | 7.7964% | 1,702 |
| Cash dividends to net income (ytd only)* | 59.6570% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1159% | 2,636 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0414% | 3,393 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 83.3500% | 285 |
| Net loans and leases to deposits | 98.3704% | 481 |
| Net loans and leases to core deposits | 142.6723% | 197 |
| Total domestic deposits to total assets | 84.7300% | 2,701 |
| Equity capital to assets | 9.1029% | 2,867 |
| Core capital (leverage) ratio | 9.5190% | 3,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $719,461,000 | 1,340 |
| Average earning assets | $678,273,500 | 1,322 |
| Average equity | $64,495,500 | 1,460 |
| Average total loans | $598,764,000 | 1,158 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4684% | 739 |
| Cost of funding earning assets | 2.5708% | 1,018 |
| Net interest margin | 3.8976% | 1,355 |
| Noninterest income to average assets | 0.3900% | 2,507 |
| Noninterest expense to average assets | 3.0613% | 1,049 |
| Loan and lease loss provision to assets | 0.1400% | 990 |
| Net operating income to assets | 0.8481% | 2,554 |
| Return on assets (ROA) | 0.8478% | 2,563 |
| Pretax return on assets | 0.8478% | 2,944 |
| Return on Equity (ROE) | 9.6900% | 2,242 |
| Retained earnings to average equity (ytd only) | 7.5129% | 1,266 |
| Net charge-offs to loans | 0.0953% | 1,211 |
| Credit loss provision to net charge-offs | 204.7794% | 1,113 |
| Earnings coverage of net charge-offs (x) | 12.1305% | 2,168 |
| Efficiency ratio | 75.6107% | 1,405 |
| Assets per employee ($millions) | 7.7593% | 1,669 |
| Cash dividends to net income (ytd only)* | 22.4850% | 2,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1101% | 2,644 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0420% | 3,370 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 81.2300% | 516 |
| Net loans and leases to deposits | 96.3292% | 693 |
| Net loans and leases to core deposits | 139.3790% | 254 |
| Total domestic deposits to total assets | 84.3200% | 2,704 |
| Equity capital to assets | 8.8238% | 2,957 |
| Core capital (leverage) ratio | 9.6617% | 3,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $668,287,200 | 1,393 |
| Average earning assets | $627,541,200 | 1,373 |
| Average equity | $58,459,800 | 1,526 |
| Average total loans | $570,724,000 | 1,171 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4940% | 702 |
| Cost of funding earning assets | 2.5979% | 984 |
| Net interest margin | 3.8962% | 1,309 |
| Noninterest income to average assets | 0.3200% | 2,913 |
| Noninterest expense to average assets | 3.0514% | 1,037 |
| Loan and lease loss provision to assets | 0.2100% | 556 |
| Net operating income to assets | 0.7177% | 2,942 |
| Return on assets (ROA) | 0.7173% | 2,962 |
| Pretax return on assets | 0.7173% | 3,221 |
| Return on Equity (ROE) | 8.2200% | 2,703 |
| Retained earnings to average equity (ytd only) | 5.5888% | 2,248 |
| Net charge-offs to loans | 0.1435% | 764 |
| Credit loss provision to net charge-offs | 177.2131% | 1,167 |
| Earnings coverage of net charge-offs (x) | 7.4541% | 2,263 |
| Efficiency ratio | 76.7785% | 1,330 |
| Assets per employee ($millions) | 7.7027% | 1,693 |
| Cash dividends to net income (ytd only)* | 32.0034% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1038% | 2,745 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 3,432 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 82.8400% | 341 |
| Net loans and leases to deposits | 98.4809% | 565 |
| Net loans and leases to core deposits | 135.4668% | 306 |
| Total domestic deposits to total assets | 84.1200% | 2,564 |
| Equity capital to assets | 8.6834% | 3,263 |
| Core capital (leverage) ratio | 9.2608% | 3,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $656,895,500 | 1,405 |
| Average earning assets | $615,462,250 | 1,394 |
| Average equity | $57,327,500 | 1,539 |
| Average total loans | $566,818,000 | 1,169 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4398% | 677 |
| Cost of funding earning assets | 2.5591% | 981 |
| Net interest margin | 3.8807% | 1,296 |
| Noninterest income to average assets | 0.3500% | 2,689 |
| Noninterest expense to average assets | 3.1167% | 933 |
| Loan and lease loss provision to assets | 0.2400% | 441 |
| Net operating income to assets | 0.6322% | 3,105 |
| Return on assets (ROA) | 0.6322% | 3,138 |
| Pretax return on assets | 0.6322% | 3,377 |
| Return on Equity (ROE) | 7.2300% | 2,945 |
| Retained earnings to average equity (ytd only) | 3.7253% | 2,817 |
| Net charge-offs to loans | 0.1242% | 766 |
| Credit loss provision to net charge-offs | 286.2464% | 840 |
| Earnings coverage of net charge-offs (x) | 8.0430% | 2,072 |
| Efficiency ratio | 78.1641% | 1,273 |
| Assets per employee ($millions) | 7.4194% | 1,782 |
| Cash dividends to net income (ytd only)* | 48.4789% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1243% | 2,650 |
| Loan loss allowance to noncurrent loans | 8,135.8025% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.0571% | 3,273 |
| Noncurrent loans to loans | 0.0138% | 3,684 |
| Net loans and leases to total assets | 86.7900% | 123 |
| Net loans and leases to deposits | 105.8036% | 316 |
| Net loans and leases to core deposits | 135.1622% | 328 |
| Total domestic deposits to total assets | 82.0300% | 3,069 |
| Equity capital to assets | 8.5701% | 3,053 |
| Core capital (leverage) ratio | 9.2799% | 3,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $644,780,667 | 1,432 |
| Average earning assets | $604,270,000 | 1,408 |
| Average equity | $56,371,000 | 1,544 |
| Average total loans | $562,183,000 | 1,180 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3908% | 661 |
| Cost of funding earning assets | 2.4487% | 1,080 |
| Net interest margin | 3.9421% | 1,161 |
| Noninterest income to average assets | 0.3200% | 2,808 |
| Noninterest expense to average assets | 3.1644% | 875 |
| Loan and lease loss provision to assets | 0.4500% | 179 |
| Net operating income to assets | 0.3967% | 3,629 |
| Return on assets (ROA) | 0.3967% | 3,651 |
| Pretax return on assets | 0.3967% | 3,765 |
| Return on Equity (ROE) | 4.4900% | 3,565 |
| Retained earnings to average equity (ytd only) | -1.5587% | 3,889 |
| Net charge-offs to loans | 0.2843% | 330 |
| Credit loss provision to net charge-offs | 201.2788% | 813 |
| Earnings coverage of net charge-offs (x) | 3.4169% | 1,936 |
| Efficiency ratio | 78.9474% | 1,279 |
| Assets per employee ($millions) | 7.0069% | 2,083 |
| Cash dividends to net income (ytd only)* | 134.7134% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1263% | 2,677 |
| Loan loss allowance to noncurrent loans | 1,548.6553% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.0634% | 3,233 |
| Noncurrent loans to loans | 0.0727% | 3,264 |
| Net loans and leases to total assets | 86.2600% | 150 |
| Net loans and leases to deposits | 108.3391% | 225 |
| Net loans and leases to core deposits | 139.8581% | 270 |
| Total domestic deposits to total assets | 79.6200% | 3,584 |
| Equity capital to assets | 8.6345% | 2,932 |
| Core capital (leverage) ratio | 9.5325% | 3,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $633,297,000 | 1,457 |
| Average earning assets | $593,294,500 | 1,437 |
| Average equity | $55,943,000 | 1,543 |
| Average total loans | $550,212,000 | 1,191 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9669% | 666 |
| Cost of funding earning assets | 1.8130% | 1,230 |
| Net interest margin | 4.1539% | 1,003 |
| Noninterest income to average assets | 0.4100% | 2,454 |
| Noninterest expense to average assets | 3.0585% | 1,026 |
| Loan and lease loss provision to assets | 0.4400% | 217 |
| Net operating income to assets | 0.7883% | 2,905 |
| Return on assets (ROA) | 0.7883% | 2,886 |
| Pretax return on assets | 0.7883% | 3,236 |
| Return on Equity (ROE) | 8.5100% | 2,893 |
| Retained earnings to average equity (ytd only) | 5.1502% | 2,557 |
| Net charge-offs to loans | 0.3384% | 322 |
| Credit loss provision to net charge-offs | 140.1506% | 1,527 |
| Earnings coverage of net charge-offs (x) | 4.2277% | 2,600 |
| Efficiency ratio | 71.3596% | 1,722 |
| Assets per employee ($millions) | 6.9106% | 2,129 |
| Cash dividends to net income (ytd only)* | 39.4580% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1038% | 2,816 |
| Loan loss allowance to noncurrent loans | 964.1234% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.0990% | 2,864 |
| Noncurrent loans to loans | 0.1145% | 2,952 |
| Net loans and leases to total assets | 85.5500% | 179 |
| Net loans and leases to deposits | 100.8613% | 492 |
| Net loans and leases to core deposits | 129.7504% | 405 |
| Total domestic deposits to total assets | 84.8200% | 2,364 |
| Equity capital to assets | 9.0400% | 2,650 |
| Core capital (leverage) ratio | 9.4952% | 3,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $594,441,200 | 1,492 |
| Average earning assets | $554,489,200 | 1,483 |
| Average equity | $55,085,000 | 1,485 |
| Average total loans | $510,121,200 | 1,212 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8000% | 689 |
| Cost of funding earning assets | 1.6165% | 1,339 |
| Net interest margin | 4.1835% | 945 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 3.0786% | 956 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.2401% | 1,677 |
| Return on assets (ROA) | 1.2401% | 1,672 |
| Pretax return on assets | 1.2401% | 2,197 |
| Return on Equity (ROE) | 13.3000% | 1,845 |
| Retained earnings to average equity (ytd only) | 9.7929% | 1,462 |
| Net charge-offs to loans | -0.2011% | 4,569 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 70.9497% | 1,684 |
| Assets per employee ($millions) | 7.0425% | 1,929 |
| Cash dividends to net income (ytd only)* | 26.3495% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0781% | 2,979 |
| Loan loss allowance to noncurrent loans | 750.9677% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.1236% | 2,740 |
| Noncurrent loans to loans | 0.1436% | 2,831 |
| Net loans and leases to total assets | 85.2000% | 197 |
| Net loans and leases to deposits | 100.4819% | 488 |
| Net loans and leases to core deposits | 130.3735% | 341 |
| Total domestic deposits to total assets | 84.7900% | 2,564 |
| Equity capital to assets | 8.9519% | 2,446 |
| Core capital (leverage) ratio | 10.0934% | 2,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $587,562,250 | 1,517 |
| Average earning assets | $547,850,250 | 1,500 |
| Average equity | $54,800,000 | 1,481 |
| Average total loans | $503,143,750 | 1,222 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6947% | 643 |
| Cost of funding earning assets | 1.4476% | 1,343 |
| Net interest margin | 4.2470% | 864 |
| Noninterest income to average assets | 0.5000% | 1,875 |
| Noninterest expense to average assets | 3.0424% | 974 |
| Loan and lease loss provision to assets | -0.0300% | 4,442 |
| Net operating income to assets | 1.4402% | 1,238 |
| Return on assets (ROA) | 1.4402% | 1,221 |
| Pretax return on assets | 1.4402% | 1,720 |
| Return on Equity (ROE) | 15.2200% | 1,427 |
| Retained earnings to average equity (ytd only) | 9.9221% | 1,418 |
| Net charge-offs to loans | -0.3296% | 4,619 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 68.3482% | 1,940 |
| Assets per employee ($millions) | 6.4698% | 2,315 |
| Cash dividends to net income (ytd only)* | 34.8078% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1141% | 2,886 |
| Loan loss allowance to noncurrent loans | 3,591.1950% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.0267% | 3,522 |
| Noncurrent loans to loans | 0.0310% | 3,519 |
| Net loans and leases to total assets | 85.1500% | 197 |
| Net loans and leases to deposits | 103.6779% | 380 |
| Net loans and leases to core deposits | 139.7742% | 215 |
| Total domestic deposits to total assets | 82.1300% | 3,208 |
| Equity capital to assets | 9.3600% | 2,260 |
| Core capital (leverage) ratio | 10.4163% | 2,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $574,488,333 | 1,545 |
| Average earning assets | $534,255,333 | 1,544 |
| Average equity | $54,363,667 | 1,498 |
| Average total loans | $490,904,667 | 1,233 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5581% | 566 |
| Cost of funding earning assets | 1.2469% | 1,348 |
| Net interest margin | 4.3112% | 789 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 2.9582% | 1,137 |
| Loan and lease loss provision to assets | -0.0600% | 4,531 |
| Net operating income to assets | 1.4621% | 1,258 |
| Return on assets (ROA) | 1.4621% | 1,229 |
| Pretax return on assets | 1.4621% | 1,746 |
| Return on Equity (ROE) | 15.3600% | 1,485 |
| Retained earnings to average equity (ytd only) | 5.7293% | 2,837 |
| Net charge-offs to loans | -0.3666% | 4,642 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.9036% | 1,984 |
| Assets per employee ($millions) | 6.8344% | 2,084 |
| Cash dividends to net income (ytd only)* | 62.7061% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1540% | 2,802 |
| Loan loss allowance to noncurrent loans | 2,751.2315% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.0358% | 3,425 |
| Noncurrent loans to loans | 0.0419% | 3,437 |
| Net loans and leases to total assets | 84.3400% | 214 |
| Net loans and leases to deposits | 103.8654% | 301 |
| Net loans and leases to core deposits | 130.0826% | 272 |
| Total domestic deposits to total assets | 81.2000% | 3,608 |
| Equity capital to assets | 9.5233% | 2,124 |
| Core capital (leverage) ratio | 10.2007% | 2,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $564,120,000 | 1,588 |
| Average earning assets | $524,498,500 | 1,583 |
| Average equity | $53,689,000 | 1,522 |
| Average total loans | $480,090,000 | 1,266 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6564% | 553 |
| Cost of funding earning assets | 0.5261% | 1,230 |
| Net interest margin | 4.1303% | 622 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 2.9416% | 1,061 |
| Loan and lease loss provision to assets | -0.0700% | 4,460 |
| Net operating income to assets | 1.3274% | 1,342 |
| Return on assets (ROA) | 1.3274% | 1,301 |
| Pretax return on assets | 1.3274% | 2,000 |
| Return on Equity (ROE) | 14.8800% | 1,284 |
| Retained earnings to average equity (ytd only) | 9.7200% | 1,235 |
| Net charge-offs to loans | -0.2248% | 4,638 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.0455% | 1,681 |
| Assets per employee ($millions) | 6.9258% | 2,023 |
| Cash dividends to net income (ytd only)* | 34.6990% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2556% | 2,119 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 83.8200% | 270 |
| Net loans and leases to deposits | 105.0772% | 262 |
| Net loans and leases to core deposits | 126.7837% | 266 |
| Total domestic deposits to total assets | 79.7700% | 3,911 |
| Equity capital to assets | 9.5113% | 1,999 |
| Core capital (leverage) ratio | 9.9197% | 2,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $575,540,800 | 1,552 |
| Average earning assets | $538,333,000 | 1,527 |
| Average equity | $51,327,000 | 1,583 |
| Average total loans | $447,604,800 | 1,277 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4074% | 577 |
| Cost of funding earning assets | 0.4352% | 1,070 |
| Net interest margin | 3.9722% | 680 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 2.9199% | 1,022 |
| Loan and lease loss provision to assets | -0.0900% | 4,563 |
| Net operating income to assets | 1.2374% | 1,560 |
| Return on assets (ROA) | 1.2374% | 1,536 |
| Pretax return on assets | 1.2374% | 2,236 |
| Return on Equity (ROE) | 14.1000% | 1,407 |
| Retained earnings to average equity (ytd only) | 7.5324% | 2,178 |
| Net charge-offs to loans | -0.1707% | 4,609 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.8274% | 1,538 |
| Assets per employee ($millions) | 7.2560% | 1,777 |
| Cash dividends to net income (ytd only)* | 46.5860% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1974% | 2,545 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 77.7400% | 732 |
| Net loans and leases to deposits | 92.0096% | 765 |
| Net loans and leases to core deposits | 108.8494% | 506 |
| Total domestic deposits to total assets | 84.4900% | 3,388 |
| Equity capital to assets | 8.6465% | 2,444 |
| Core capital (leverage) ratio | 9.7591% | 2,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $579,179,000 | 1,549 |
| Average earning assets | $542,585,250 | 1,526 |
| Average equity | $50,819,500 | 1,629 |
| Average total loans | $440,457,750 | 1,281 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1674% | 683 |
| Cost of funding earning assets | 0.3631% | 1,168 |
| Net interest margin | 3.8043% | 748 |
| Noninterest income to average assets | 0.3658% | 2,954 |
| Noninterest expense to average assets | 2.9615% | 891 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9633% | 2,297 |
| Return on assets (ROA) | 0.9633% | 2,273 |
| Pretax return on assets | 0.9633% | 2,858 |
| Return on Equity (ROE) | 10.9249% | 2,005 |
| Retained earnings to average equity (ytd only) | 1.6529% | 3,837 |
| Net charge-offs to loans | -0.0065% | 3,429 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4553% | 1,340 |
| Assets per employee ($millions) | 6.8919% | 2,010 |
| Cash dividends to net income (ytd only)* | 84.8703% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2568% | 2,399 |
| Loan loss allowance to noncurrent loans | 352.5524% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 0.2771% | 1,922 |
| Noncurrent loans to loans | 0.3565% | 2,078 |
| Net loans and leases to total assets | 76.7624% | 655 |
| Net loans and leases to deposits | 90.5473% | 686 |
| Net loans and leases to core deposits | 107.7193% | 403 |
| Total domestic deposits to total assets | 84.7761% | 3,530 |
| Equity capital to assets | 8.9140% | 2,435 |
| Core capital (leverage) ratio | 9.2074% | 3,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $576,325,667 | 1,559 |
| Average earning assets | $539,186,333 | 1,555 |
| Average equity | $50,819,667 | 1,662 |
| Average total loans | $433,134,667 | 1,295 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9576% | 840 |
| Cost of funding earning assets | 0.3510% | 1,195 |
| Net interest margin | 3.6067% | 883 |
| Noninterest income to average assets | 0.3016% | 3,306 |
| Noninterest expense to average assets | 2.6691% | 1,429 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0115% | 1,829 |
| Return on assets (ROA) | 1.0115% | 1,822 |
| Pretax return on assets | 1.0115% | 2,399 |
| Return on Equity (ROE) | 11.5301% | 1,444 |
| Retained earnings to average equity (ytd only) | -3.0897% | 4,317 |
| Net charge-offs to loans | -0.0018% | 3,097 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5175% | 1,915 |
| Assets per employee ($millions) | 7.6270% | 1,608 |
| Cash dividends to net income (ytd only)* | 126.7965% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2374% | 2,661 |
| Loan loss allowance to noncurrent loans | 351.7670% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.2602% | 2,106 |
| Noncurrent loans to loans | 0.3518% | 2,224 |
| Net loans and leases to total assets | 73.0519% | 731 |
| Net loans and leases to deposits | 87.2582% | 663 |
| Net loans and leases to core deposits | 103.2211% | 419 |
| Total domestic deposits to total assets | 83.7193% | 3,821 |
| Equity capital to assets | 8.5980% | 3,084 |
| Core capital (leverage) ratio | 9.0490% | 3,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $588,814,000 | 1,533 |
| Average earning assets | $551,640,500 | 1,526 |
| Average equity | $51,656,000 | 1,689 |
| Average total loans | $435,394,000 | 1,280 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2639% | 901 |
| Cost of funding earning assets | 0.4077% | 1,489 |
| Net interest margin | 3.8562% | 910 |
| Noninterest income to average assets | 0.3004% | 3,599 |
| Noninterest expense to average assets | 2.5362% | 2,069 |
| Loan and lease loss provision to assets | 0.4247% | 150 |
| Net operating income to assets | 0.9625% | 2,826 |
| Return on assets (ROA) | 0.9632% | 2,889 |
| Pretax return on assets | 0.9632% | 3,351 |
| Return on Equity (ROE) | 10.8516% | 2,215 |
| Retained earnings to average equity (ytd only) | 6.6459% | 2,058 |
| Net charge-offs to loans | 0.1015% | 847 |
| Credit loss provision to net charge-offs | 564.5833% | 753 |
| Earnings coverage of net charge-offs (x) | 18.4421% | 1,910 |
| Efficiency ratio | 64.6430% | 2,455 |
| Assets per employee ($millions) | 7.3794% | 1,676 |
| Cash dividends to net income (ytd only)* | 38.7563% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2312% | 2,730 |
| Loan loss allowance to noncurrent loans | 312.2022% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.2915% | 2,082 |
| Noncurrent loans to loans | 0.3944% | 2,178 |
| Net loans and leases to total assets | 73.0113% | 749 |
| Net loans and leases to deposits | 87.3710% | 689 |
| Net loans and leases to core deposits | 100.4378% | 519 |
| Total domestic deposits to total assets | 83.5647% | 3,674 |
| Equity capital to assets | 8.9469% | 3,681 |
| Core capital (leverage) ratio | 9.1880% | 3,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $574,315,400 | 1,502 |
| Average earning assets | $539,598,000 | 1,494 |
| Average equity | $50,978,600 | 1,736 |
| Average total loans | $425,677,800 | 1,310 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2674% | 1,011 |
| Cost of funding earning assets | 0.4214% | 1,546 |
| Net interest margin | 3.8461% | 1,029 |
| Noninterest income to average assets | 0.3009% | 3,632 |
| Noninterest expense to average assets | 2.4730% | 2,198 |
| Loan and lease loss provision to assets | 0.5309% | 98 |
| Net operating income to assets | 0.9076% | 3,221 |
| Return on assets (ROA) | 0.9085% | 3,298 |
| Pretax return on assets | 0.9085% | 3,675 |
| Return on Equity (ROE) | 10.2560% | 2,642 |
| Retained earnings to average equity (ytd only) | 5.2019% | 3,142 |
| Net charge-offs to loans | -0.0076% | 3,572 |
| Credit loss provision to net charge-offs | -9,462.5000% | 4,204 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2240% | 2,506 |
| Assets per employee ($millions) | 7.4891% | 1,578 |
| Cash dividends to net income (ytd only)* | 49.2795% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3215% | 2,387 |
| Loan loss allowance to noncurrent loans | 588.3576% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.1647% | 3,023 |
| Noncurrent loans to loans | 0.2246% | 3,047 |
| Net loans and leases to total assets | 72.3503% | 842 |
| Net loans and leases to deposits | 86.7463% | 782 |
| Net loans and leases to core deposits | 98.2262% | 652 |
| Total domestic deposits to total assets | 83.4045% | 3,606 |
| Equity capital to assets | 8.8690% | 3,946 |
| Core capital (leverage) ratio | 9.2180% | 3,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $570,306,500 | 1,529 |
| Average earning assets | $535,388,750 | 1,516 |
| Average equity | $50,518,750 | 1,764 |
| Average total loans | $422,998,250 | 1,341 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2564% | 1,082 |
| Cost of funding earning assets | 0.4390% | 1,597 |
| Net interest margin | 3.8174% | 1,117 |
| Noninterest income to average assets | 0.3055% | 3,602 |
| Noninterest expense to average assets | 2.4664% | 2,248 |
| Loan and lease loss provision to assets | 0.5710% | 81 |
| Net operating income to assets | 0.8467% | 3,376 |
| Return on assets (ROA) | 0.8475% | 3,450 |
| Pretax return on assets | 0.8475% | 3,776 |
| Return on Equity (ROE) | 9.5710% | 2,923 |
| Retained earnings to average equity (ytd only) | 2.8350% | 3,893 |
| Net charge-offs to loans | -0.0009% | 3,082 |
| Credit loss provision to net charge-offs | -80,750.0000% | 4,137 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4990% | 2,499 |
| Assets per employee ($millions) | 6.7774% | 1,966 |
| Cash dividends to net income (ytd only)* | 70.3796% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2041% | 2,914 |
| Loan loss allowance to noncurrent loans | 425.8974% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.2105% | 2,889 |
| Noncurrent loans to loans | 0.2827% | 2,922 |
| Net loans and leases to total assets | 73.5686% | 806 |
| Net loans and leases to deposits | 89.0139% | 712 |
| Net loans and leases to core deposits | 97.9629% | 724 |
| Total domestic deposits to total assets | 82.6485% | 3,779 |
| Equity capital to assets | 9.0676% | 3,740 |
| Core capital (leverage) ratio | 9.0154% | 3,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $565,692,667 | 1,536 |
| Average earning assets | $530,306,000 | 1,526 |
| Average equity | $50,089,000 | 1,773 |
| Average total loans | $421,233,333 | 1,348 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3326% | 995 |
| Cost of funding earning assets | 0.4643% | 1,628 |
| Net interest margin | 3.8683% | 1,036 |
| Noninterest income to average assets | 0.2516% | 3,891 |
| Noninterest expense to average assets | 2.3937% | 2,510 |
| Loan and lease loss provision to assets | 0.5607% | 111 |
| Net operating income to assets | 0.9238% | 3,067 |
| Return on assets (ROA) | 0.9238% | 3,140 |
| Pretax return on assets | 0.9238% | 3,554 |
| Return on Equity (ROE) | 10.5573% | 2,511 |
| Retained earnings to average equity (ytd only) | -1.1214% | 4,474 |
| Net charge-offs to loans | -0.0009% | 3,046 |
| Credit loss provision to net charge-offs | -80,000.0000% | 3,868 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7206% | 2,803 |
| Assets per employee ($millions) | 7.3967% | 1,519 |
| Cash dividends to net income (ytd only)* | 110.6222% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9777% | 3,934 |
| Loan loss allowance to noncurrent loans | 356.1538% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.2028% | 3,137 |
| Noncurrent loans to loans | 0.2745% | 3,117 |
| Net loans and leases to total assets | 73.1518% | 890 |
| Net loans and leases to deposits | 88.0785% | 825 |
| Net loans and leases to core deposits | 106.1663% | 506 |
| Total domestic deposits to total assets | 83.0529% | 3,673 |
| Equity capital to assets | 8.6119% | 4,037 |
| Core capital (leverage) ratio | 8.6321% | 3,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $570,664,500 | 1,512 |
| Average earning assets | $535,009,500 | 1,504 |
| Average equity | $49,937,000 | 1,760 |
| Average total loans | $424,930,000 | 1,347 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8384% | 684 |
| Cost of funding earning assets | 0.8069% | 1,177 |
| Net interest margin | 4.0314% | 916 |
| Noninterest income to average assets | 0.1896% | 4,338 |
| Noninterest expense to average assets | 2.7013% | 2,235 |
| Loan and lease loss provision to assets | 0.4976% | 498 |
| Net operating income to assets | 0.7778% | 3,175 |
| Return on assets (ROA) | 0.7935% | 3,234 |
| Pretax return on assets | 0.7935% | 3,637 |
| Return on Equity (ROE) | 8.6828% | 2,525 |
| Retained earnings to average equity (ytd only) | 5.7589% | 1,920 |
| Net charge-offs to loans | 0.2167% | 805 |
| Credit loss provision to net charge-offs | 279.0445% | 1,806 |
| Earnings coverage of net charge-offs (x) | 7.1520% | 2,718 |
| Efficiency ratio | 67.9277% | 2,246 |
| Assets per employee ($millions) | 7.3297% | 1,381 |
| Cash dividends to net income (ytd only)* | 33.6750% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7945% | 4,434 |
| Loan loss allowance to noncurrent loans | 209.3284% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 0.2849% | 2,872 |
| Noncurrent loans to loans | 0.3796% | 2,845 |
| Net loans and leases to total assets | 74.4673% | 961 |
| Net loans and leases to deposits | 90.5051% | 892 |
| Net loans and leases to core deposits | 112.4019% | 445 |
| Total domestic deposits to total assets | 82.2797% | 3,598 |
| Equity capital to assets | 8.8925% | 4,153 |
| Core capital (leverage) ratio | 9.1313% | 3,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $516,458,000 | 1,499 |
| Average earning assets | $485,163,400 | 1,493 |
| Average equity | $47,196,600 | 1,784 |
| Average total loans | $424,980,400 | 1,282 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8487% | 808 |
| Cost of funding earning assets | 0.8946% | 1,084 |
| Net interest margin | 3.9541% | 1,226 |
| Noninterest income to average assets | 0.1977% | 4,291 |
| Noninterest expense to average assets | 2.7013% | 2,246 |
| Loan and lease loss provision to assets | 0.4375% | 752 |
| Net operating income to assets | 0.7736% | 3,194 |
| Return on assets (ROA) | 0.7950% | 3,228 |
| Pretax return on assets | 0.7950% | 3,660 |
| Return on Equity (ROE) | 8.6344% | 2,553 |
| Retained earnings to average equity (ytd only) | 5.0980% | 2,517 |
| Net charge-offs to loans | -0.0031% | 3,956 |
| Credit loss provision to net charge-offs | -16,550.0000% | 4,395 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0468% | 2,028 |
| Assets per employee ($millions) | 7.1833% | 1,384 |
| Cash dividends to net income (ytd only)* | 40.9574% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7391% | 4,509 |
| Loan loss allowance to noncurrent loans | 130.3895% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 0.5970% | 1,939 |
| Noncurrent loans to loans | 0.5669% | 2,380 |
| Net loans and leases to total assets | 80.0135% | 615 |
| Net loans and leases to deposits | 105.0994% | 353 |
| Net loans and leases to core deposits | 133.0199% | 208 |
| Total domestic deposits to total assets | 76.1312% | 4,409 |
| Equity capital to assets | 8.6770% | 4,350 |
| Core capital (leverage) ratio | 9.0281% | 3,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $504,476,000 | 1,514 |
| Average earning assets | $473,928,500 | 1,506 |
| Average equity | $46,448,750 | 1,796 |
| Average total loans | $425,313,250 | 1,276 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9368% | 914 |
| Cost of funding earning assets | 1.0083% | 967 |
| Net interest margin | 3.9285% | 1,505 |
| Noninterest income to average assets | 0.1977% | 4,287 |
| Noninterest expense to average assets | 2.8659% | 1,924 |
| Loan and lease loss provision to assets | 0.3992% | 1,012 |
| Net operating income to assets | 0.6267% | 3,651 |
| Return on assets (ROA) | 0.6602% | 3,640 |
| Pretax return on assets | 0.6602% | 3,953 |
| Return on Equity (ROE) | 7.0126% | 3,125 |
| Retained earnings to average equity (ytd only) | 2.2452% | 3,664 |
| Net charge-offs to loans | -0.0039% | 3,938 |
| Credit loss provision to net charge-offs | -12,062.5000% | 4,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6395% | 1,501 |
| Assets per employee ($millions) | 7.3145% | 1,270 |
| Cash dividends to net income (ytd only)* | 67.9825% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5836% | 4,757 |
| Loan loss allowance to noncurrent loans | 265.4492% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 0.3340% | 2,971 |
| Noncurrent loans to loans | 0.2198% | 3,593 |
| Net loans and leases to total assets | 84.6330% | 210 |
| Net loans and leases to deposits | 112.6490% | 181 |
| Net loans and leases to core deposits | 152.9943% | 95 |
| Total domestic deposits to total assets | 75.1298% | 4,506 |
| Equity capital to assets | 8.8564% | 4,205 |
| Core capital (leverage) ratio | 9.1183% | 3,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $483,475,667 | 1,547 |
| Average earning assets | $454,629,333 | 1,526 |
| Average equity | $45,518,333 | 1,807 |
| Average total loans | $414,604,667 | 1,292 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2373% | 618 |
| Cost of funding earning assets | 1.1970% | 779 |
| Net interest margin | 4.0402% | 1,286 |
| Noninterest income to average assets | 0.2015% | 4,346 |
| Noninterest expense to average assets | 3.1000% | 1,639 |
| Loan and lease loss provision to assets | 0.3300% | 935 |
| Net operating income to assets | 0.5790% | 3,664 |
| Return on assets (ROA) | 0.6503% | 3,505 |
| Pretax return on assets | 0.6503% | 3,809 |
| Return on Equity (ROE) | 6.6713% | 3,074 |
| Retained earnings to average equity (ytd only) | -0.6680% | 4,100 |
| Net charge-offs to loans | -0.0072% | 3,962 |
| Credit loss provision to net charge-offs | -5,357.1429% | 3,883 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3266% | 1,421 |
| Assets per employee ($millions) | 5.6204% | 2,003 |
| Cash dividends to net income (ytd only)* | 110.0135% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5356% | 4,842 |
| Loan loss allowance to noncurrent loans | 101.5489% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 0.6374% | 2,089 |
| Noncurrent loans to loans | 0.5274% | 2,679 |
| Net loans and leases to total assets | 85.5778% | 164 |
| Net loans and leases to deposits | 106.9804% | 261 |
| Net loans and leases to core deposits | 170.9603% | 65 |
| Total domestic deposits to total assets | 79.9939% | 3,866 |
| Equity capital to assets | 10.3056% | 3,515 |
| Core capital (leverage) ratio | 10.3177% | 3,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $454,578,000 | 1,592 |
| Average earning assets | $428,392,500 | 1,564 |
| Average equity | $44,309,000 | 1,833 |
| Average total loans | $391,515,500 | 1,315 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2902% | 835 |
| Cost of funding earning assets | 1.3531% | 650 |
| Net interest margin | 3.9371% | 2,041 |
| Noninterest income to average assets | 0.1938% | 4,499 |
| Noninterest expense to average assets | 3.0993% | 1,763 |
| Loan and lease loss provision to assets | 0.2178% | 899 |
| Net operating income to assets | 0.5939% | 4,178 |
| Return on assets (ROA) | 0.5942% | 4,233 |
| Pretax return on assets | 0.5942% | 4,422 |
| Return on Equity (ROE) | 6.5117% | 3,737 |
| Retained earnings to average equity (ytd only) | 2.7278% | 3,675 |
| Net charge-offs to loans | 0.2653% | 781 |
| Credit loss provision to net charge-offs | 95.9245% | 2,573 |
| Earnings coverage of net charge-offs (x) | 3.5755% | 3,306 |
| Efficiency ratio | 79.2453% | 1,012 |
| Assets per employee ($millions) | 5.8948% | 1,719 |
| Cash dividends to net income (ytd only)* | 58.1086% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4388% | 4,958 |
| Loan loss allowance to noncurrent loans | 76.7546% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 0.6770% | 1,900 |
| Noncurrent loans to loans | 0.5716% | 2,473 |
| Net loans and leases to total assets | 85.8378% | 174 |
| Net loans and leases to deposits | 100.5476% | 567 |
| Net loans and leases to core deposits | 169.7519% | 64 |
| Total domestic deposits to total assets | 85.3703% | 2,360 |
| Equity capital to assets | 9.1873% | 4,579 |
| Core capital (leverage) ratio | 9.0968% | 4,449 |
| Tier 1 risk-based capital ratio | 10.3455% | 5,064 |
| Total risk-based capital ratio | 10.7730% | 5,138 |
| Memoranda: | ||
| Average total assets | $443,137,800 | 1,588 |
| Average earning assets | $418,376,000 | 1,551 |
| Average equity | $40,434,800 | 1,913 |
| Average total loans | $379,251,800 | 1,328 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2624% | 928 |
| Cost of funding earning assets | 1.3661% | 649 |
| Net interest margin | 3.8964% | 2,267 |
| Noninterest income to average assets | 0.1986% | 4,529 |
| Noninterest expense to average assets | 3.0804% | 1,761 |
| Loan and lease loss provision to assets | 0.0875% | 2,166 |
| Net operating income to assets | 0.7071% | 3,988 |
| Return on assets (ROA) | 0.7074% | 4,056 |
| Pretax return on assets | 0.7074% | 4,328 |
| Return on Equity (ROE) | 7.7668% | 3,406 |
| Retained earnings to average equity (ytd only) | 2.7717% | 3,983 |
| Net charge-offs to loans | 0.0443% | 2,204 |
| Credit loss provision to net charge-offs | 231.2000% | 1,164 |
| Earnings coverage of net charge-offs (x) | 21.0003% | 1,930 |
| Efficiency ratio | 79.4938% | 965 |
| Assets per employee ($millions) | 6.0104% | 1,602 |
| Cash dividends to net income (ytd only)* | 64.3133% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4881% | 4,987 |
| Loan loss allowance to noncurrent loans | 227.3373% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.3680% | 3,031 |
| Noncurrent loans to loans | 0.2147% | 3,767 |
| Net loans and leases to total assets | 85.7440% | 207 |
| Net loans and leases to deposits | 97.7833% | 842 |
| Net loans and leases to core deposits | 119.1286% | 565 |
| Total domestic deposits to total assets | 87.6878% | 1,170 |
| Equity capital to assets | 9.0486% | 4,759 |
| Core capital (leverage) ratio | 9.2384% | 4,444 |
| Tier 1 risk-based capital ratio | 10.1557% | 5,162 |
| Total risk-based capital ratio | 10.6282% | 5,229 |
| Memoranda: | ||
| Average total assets | $440,447,250 | 1,597 |
| Average earning assets | $415,590,000 | 1,572 |
| Average equity | $40,118,250 | 1,931 |
| Average total loans | $376,231,000 | 1,345 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2808% | 845 |
| Cost of funding earning assets | 1.3639% | 607 |
| Net interest margin | 3.9168% | 2,197 |
| Noninterest income to average assets | 0.2055% | 4,519 |
| Noninterest expense to average assets | 3.1458% | 1,624 |
| Loan and lease loss provision to assets | 0.1076% | 1,747 |
| Net operating income to assets | 0.6478% | 4,175 |
| Return on assets (ROA) | 0.6478% | 4,224 |
| Pretax return on assets | 0.6478% | 4,453 |
| Return on Equity (ROE) | 7.0959% | 3,640 |
| Retained earnings to average equity (ytd only) | -0.4029% | 4,753 |
| Net charge-offs to loans | 0.0507% | 1,920 |
| Credit loss provision to net charge-offs | 248.9362% | 1,030 |
| Earnings coverage of net charge-offs (x) | 17.4787% | 1,892 |
| Efficiency ratio | 80.6364% | 915 |
| Assets per employee ($millions) | 6.2165% | 1,393 |
| Cash dividends to net income (ytd only)* | 105.6778% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4997% | 5,016 |
| Loan loss allowance to noncurrent loans | 191.9028% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.4133% | 2,856 |
| Noncurrent loans to loans | 0.2604% | 3,598 |
| Net loans and leases to total assets | 85.5377% | 248 |
| Net loans and leases to deposits | 99.3822% | 720 |
| Net loans and leases to core deposits | 120.0608% | 550 |
| Total domestic deposits to total assets | 86.0694% | 1,997 |
| Equity capital to assets | 9.1275% | 4,712 |
| Core capital (leverage) ratio | 9.1423% | 4,517 |
| Tier 1 risk-based capital ratio | 10.3865% | 5,140 |
| Total risk-based capital ratio | 10.8742% | 5,246 |
| Memoranda: | ||
| Average total assets | $434,999,330 | 1,616 |
| Average earning assets | $410,432,670 | 1,591 |
| Average equity | $39,713,330 | 1,949 |
| Average total loans | $370,444,000 | 1,370 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3005% | 758 |
| Cost of funding earning assets | 1.3404% | 575 |
| Net interest margin | 3.9601% | 1,988 |
| Noninterest income to average assets | 0.2112% | 4,481 |
| Noninterest expense to average assets | 3.1588% | 1,601 |
| Loan and lease loss provision to assets | 0.1343% | 1,293 |
| Net operating income to assets | 0.6484% | 4,098 |
| Return on assets (ROA) | 0.6484% | 4,131 |
| Pretax return on assets | 0.6484% | 4,419 |
| Return on Equity (ROE) | 7.1017% | 3,635 |
| Retained earnings to average equity (ytd only) | -5.4379% | 4,945 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1410% | 1,055 |
| Assets per employee ($millions) | 5.8888% | 1,632 |
| Cash dividends to net income (ytd only)* | 176.5714% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5058% | 5,073 |
| Loan loss allowance to noncurrent loans | 137.9260% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 0.5015% | 2,619 |
| Noncurrent loans to loans | 0.3667% | 3,268 |
| Net loans and leases to total assets | 84.7186% | 309 |
| Net loans and leases to deposits | 98.3762% | 752 |
| Net loans and leases to core deposits | 118.0168% | 580 |
| Total domestic deposits to total assets | 86.1170% | 2,223 |
| Equity capital to assets | 8.9098% | 4,743 |
| Core capital (leverage) ratio | 9.2021% | 4,471 |
| Tier 1 risk-based capital ratio | 10.1950% | 5,245 |
| Total risk-based capital ratio | 10.6808% | 5,322 |
| Memoranda: | ||
| Average total assets | $431,815,000 | 1,626 |
| Average earning assets | $406,757,000 | 1,608 |
| Average equity | $39,427,000 | 1,946 |
| Average total loans | $365,950,000 | 1,389 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0142% | 1,018 |
| Cost of funding earning assets | 0.8921% | 1,124 |
| Net interest margin | 4.1221% | 1,610 |
| Noninterest income to average assets | 0.2147% | 4,624 |
| Noninterest expense to average assets | 3.1673% | 1,634 |
| Loan and lease loss provision to assets | 0.1659% | 1,218 |
| Net operating income to assets | 0.7655% | 3,926 |
| Return on assets (ROA) | 0.7655% | 3,928 |
| Pretax return on assets | 0.7655% | 4,253 |
| Return on Equity (ROE) | 8.6179% | 3,172 |
| Retained earnings to average equity (ytd only) | 4.0751% | 3,315 |
| Net charge-offs to loans | 0.1772% | 1,087 |
| Credit loss provision to net charge-offs | 113.7600% | 2,280 |
| Earnings coverage of net charge-offs (x) | 6.3856% | 3,093 |
| Efficiency ratio | 77.2761% | 1,205 |
| Assets per employee ($millions) | 5.7804% | 1,691 |
| Cash dividends to net income (ytd only)* | 52.7134% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4938% | 5,130 |
| Loan loss allowance to noncurrent loans | 66.0775% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 0.8283% | 1,689 |
| Noncurrent loans to loans | 0.7473% | 2,127 |
| Net loans and leases to total assets | 83.9094% | 422 |
| Net loans and leases to deposits | 106.4603% | 352 |
| Net loans and leases to core deposits | 125.8601% | 399 |
| Total domestic deposits to total assets | 78.8176% | 4,344 |
| Equity capital to assets | 9.3616% | 4,254 |
| Core capital (leverage) ratio | 9.4575% | 4,162 |
| Tier 1 risk-based capital ratio | 10.9435% | 5,001 |
| Total risk-based capital ratio | 11.4188% | 5,200 |
| Memoranda: | ||
| Average total assets | $428,497,800 | 1,597 |
| Average earning assets | $403,755,000 | 1,571 |
| Average equity | $38,060,400 | 1,936 |
| Average total loans | $352,801,000 | 1,390 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9405% | 1,071 |
| Cost of funding earning assets | 0.8061% | 1,306 |
| Net interest margin | 4.1345% | 1,536 |
| Noninterest income to average assets | 0.2111% | 4,700 |
| Noninterest expense to average assets | 3.1466% | 1,653 |
| Loan and lease loss provision to assets | 0.1677% | 1,119 |
| Net operating income to assets | 0.7969% | 3,912 |
| Return on assets (ROA) | 0.7969% | 3,922 |
| Pretax return on assets | 0.7969% | 4,299 |
| Return on Equity (ROE) | 9.0927% | 3,040 |
| Retained earnings to average equity (ytd only) | 3.8691% | 3,846 |
| Net charge-offs to loans | 0.0295% | 2,506 |
| Credit loss provision to net charge-offs | 693.5897% | 532 |
| Earnings coverage of net charge-offs (x) | 39.8964% | 1,360 |
| Efficiency ratio | 76.5362% | 1,287 |
| Assets per employee ($millions) | 7.1228% | 893 |
| Cash dividends to net income (ytd only)* | 57.4484% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5986% | 5,045 |
| Loan loss allowance to noncurrent loans | 107.8322% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 0.6175% | 2,329 |
| Noncurrent loans to loans | 0.5552% | 2,718 |
| Net loans and leases to total assets | 77.7295% | 1,383 |
| Net loans and leases to deposits | 86.9069% | 2,273 |
| Net loans and leases to core deposits | 100.0669% | 1,790 |
| Total domestic deposits to total assets | 89.4399% | 693 |
| Equity capital to assets | 8.4768% | 4,937 |
| Core capital (leverage) ratio | 9.1683% | 4,545 |
| Tier 1 risk-based capital ratio | 10.7359% | 5,155 |
| Total risk-based capital ratio | 11.3087% | 5,312 |
| Memoranda: | ||
| Average total assets | $430,130,250 | 1,607 |
| Average earning assets | $405,748,250 | 1,579 |
| Average equity | $37,699,750 | 1,957 |
| Average total loans | $352,044,250 | 1,393 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9580% | 903 |
| Cost of funding earning assets | 0.7813% | 1,211 |
| Net interest margin | 4.1767% | 1,335 |
| Noninterest income to average assets | 0.2116% | 4,747 |
| Noninterest expense to average assets | 3.1706% | 1,607 |
| Loan and lease loss provision to assets | 0.1879% | 940 |
| Net operating income to assets | 0.7895% | 3,889 |
| Return on assets (ROA) | 0.7895% | 3,890 |
| Pretax return on assets | 0.7895% | 4,276 |
| Return on Equity (ROE) | 8.9018% | 3,070 |
| Retained earnings to average equity (ytd only) | 2.2736% | 4,373 |
| Net charge-offs to loans | -0.0023% | 3,966 |
| Credit loss provision to net charge-offs | -9,900.0000% | 4,810 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4383% | 1,374 |
| Assets per employee ($millions) | 6.2003% | 1,331 |
| Cash dividends to net income (ytd only)* | 74.4591% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5764% | 5,147 |
| Loan loss allowance to noncurrent loans | 71.3400% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 0.6689% | 2,231 |
| Noncurrent loans to loans | 0.8079% | 2,112 |
| Net loans and leases to total assets | 82.3093% | 676 |
| Net loans and leases to deposits | 94.8343% | 1,261 |
| Net loans and leases to core deposits | 108.7697% | 1,068 |
| Total domestic deposits to total assets | 86.7928% | 1,934 |
| Equity capital to assets | 8.7954% | 4,725 |
| Core capital (leverage) ratio | 9.0525% | 4,642 |
| Tier 1 risk-based capital ratio | 10.4195% | 5,303 |
| Total risk-based capital ratio | 10.9685% | 5,442 |
| Memoranda: | ||
| Average total assets | $421,554,330 | 1,635 |
| Average earning assets | $397,299,000 | 1,611 |
| Average equity | $37,385,670 | 1,974 |
| Average total loans | $350,569,000 | 1,401 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9090% | 855 |
| Cost of funding earning assets | 0.7901% | 989 |
| Net interest margin | 4.1190% | 1,387 |
| Noninterest income to average assets | 0.1936% | 4,857 |
| Noninterest expense to average assets | 3.1609% | 1,665 |
| Loan and lease loss provision to assets | 0.1647% | 1,088 |
| Net operating income to assets | 0.7493% | 3,910 |
| Return on assets (ROA) | 0.7493% | 3,910 |
| Pretax return on assets | 0.7493% | 4,299 |
| Return on Equity (ROE) | 8.4127% | 3,185 |
| Retained earnings to average equity (ytd only) | -2.4114% | 5,043 |
| Net charge-offs to loans | -0.0046% | 3,981 |
| Credit loss provision to net charge-offs | -4,275.0000% | 4,418 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5703% | 1,396 |
| Assets per employee ($millions) | 5.7090% | 1,753 |
| Cash dividends to net income (ytd only)* | 128.6632% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5253% | 5,296 |
| Loan loss allowance to noncurrent loans | 43.6510% | 4,567 |
| Noncurrent assets plus other real estate owned to assets | 1.0147% | 1,550 |
| Noncurrent loans to loans | 1.2035% | 1,513 |
| Net loans and leases to total assets | 83.8729% | 449 |
| Net loans and leases to deposits | 95.9053% | 1,041 |
| Net loans and leases to core deposits | 111.4787% | 919 |
| Total domestic deposits to total assets | 87.4539% | 1,927 |
| Equity capital to assets | 8.7842% | 4,759 |
| Core capital (leverage) ratio | 8.9427% | 4,746 |
| Tier 1 risk-based capital ratio | 10.1571% | 5,457 |
| Total risk-based capital ratio | 10.6549% | 5,550 |
| Memoranda: | ||
| Average total assets | $415,321,500 | 1,666 |
| Average earning assets | $391,361,000 | 1,644 |
| Average equity | $36,991,500 | 1,998 |
| Average total loans | $346,198,500 | 1,420 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8832% | 827 |
| Cost of funding earning assets | 0.7744% | 719 |
| Net interest margin | 4.1088% | 1,408 |
| Noninterest income to average assets | 0.2000% | 4,948 |
| Noninterest expense to average assets | 3.2727% | 1,428 |
| Loan and lease loss provision to assets | 0.1285% | 1,780 |
| Net operating income to assets | 0.6538% | 3,803 |
| Return on assets (ROA) | 0.6538% | 3,841 |
| Pretax return on assets | 0.6538% | 4,618 |
| Return on Equity (ROE) | 6.9192% | 3,321 |
| Retained earnings to average equity (ytd only) | 2.3427% | 3,921 |
| Net charge-offs to loans | 0.6438% | 346 |
| Credit loss provision to net charge-offs | 24.1080% | 3,584 |
| Earnings coverage of net charge-offs (x) | 1.4672% | 3,885 |
| Efficiency ratio | 80.7075% | 1,043 |
| Assets per employee ($millions) | 5.7484% | 1,712 |
| Cash dividends to net income (ytd only)* | 66.1424% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4900% | 5,399 |
| Loan loss allowance to noncurrent loans | 32.9326% | 4,813 |
| Noncurrent assets plus other real estate owned to assets | 1.2259% | 1,197 |
| Noncurrent loans to loans | 1.4880% | 1,144 |
| Net loans and leases to total assets | 81.9873% | 683 |
| Net loans and leases to deposits | 92.3566% | 1,474 |
| Net loans and leases to core deposits | 107.1465% | 1,202 |
| Total domestic deposits to total assets | 88.7725% | 1,107 |
| Equity capital to assets | 9.0300% | 4,689 |
| Core capital (leverage) ratio | 8.9159% | 4,740 |
| Tier 1 risk-based capital ratio | 10.4609% | 5,379 |
| Total risk-based capital ratio | 10.9221% | 5,557 |
| Memoranda: | ||
| Average total assets | $388,976,600 | 1,758 |
| Average earning assets | $364,947,800 | 1,736 |
| Average equity | $36,752,600 | 1,995 |
| Average total loans | $322,137,000 | 1,476 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8003% | 928 |
| Cost of funding earning assets | 0.7732% | 673 |
| Net interest margin | 4.0271% | 1,613 |
| Noninterest income to average assets | 0.1979% | 5,017 |
| Noninterest expense to average assets | 3.2581% | 1,440 |
| Loan and lease loss provision to assets | 0.1306% | 1,663 |
| Net operating income to assets | 0.5849% | 4,439 |
| Return on assets (ROA) | 0.5849% | 4,479 |
| Pretax return on assets | 0.5849% | 4,873 |
| Return on Equity (ROE) | 6.1169% | 4,071 |
| Retained earnings to average equity (ytd only) | 0.8562% | 5,021 |
| Net charge-offs to loans | -0.0038% | 4,408 |
| Credit loss provision to net charge-offs | -4,166.6667% | 5,156 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9935% | 919 |
| Assets per employee ($millions) | 5.5400% | 1,886 |
| Cash dividends to net income (ytd only)* | 86.0038% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0788% | 3,609 |
| Loan loss allowance to noncurrent loans | 59.4626% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 1.5300% | 985 |
| Noncurrent loans to loans | 1.8143% | 980 |
| Net loans and leases to total assets | 83.4237% | 496 |
| Net loans and leases to deposits | 94.5049% | 1,243 |
| Net loans and leases to core deposits | 109.1320% | 1,086 |
| Total domestic deposits to total assets | 88.2745% | 1,222 |
| Equity capital to assets | 9.2829% | 4,657 |
| Core capital (leverage) ratio | 9.1746% | 4,545 |
| Tier 1 risk-based capital ratio | 10.4366% | 5,471 |
| Total risk-based capital ratio | 11.4527% | 5,500 |
| Memoranda: | ||
| Average total assets | $382,749,500 | 1,796 |
| Average earning assets | $358,856,500 | 1,772 |
| Average equity | $36,597,250 | 2,007 |
| Average total loans | $317,420,250 | 1,497 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7273% | 1,006 |
| Cost of funding earning assets | 0.7686% | 620 |
| Net interest margin | 3.9586% | 1,744 |
| Noninterest income to average assets | 0.1982% | 5,053 |
| Noninterest expense to average assets | 3.2790% | 1,410 |
| Loan and lease loss provision to assets | 0.1325% | 1,571 |
| Net operating income to assets | 0.4908% | 4,730 |
| Return on assets (ROA) | 0.4908% | 4,765 |
| Pretax return on assets | 0.4908% | 5,020 |
| Return on Equity (ROE) | 5.0804% | 4,445 |
| Retained earnings to average equity (ytd only) | -1.5362% | 5,298 |
| Net charge-offs to loans | -0.0026% | 4,205 |
| Credit loss provision to net charge-offs | -6,250.0000% | 5,097 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0282% | 838 |
| Assets per employee ($millions) | 5.5280% | 1,844 |
| Cash dividends to net income (ytd only)* | 130.2376% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1068% | 3,550 |
| Loan loss allowance to noncurrent loans | 54.8519% | 4,474 |
| Noncurrent assets plus other real estate owned to assets | 1.6970% | 846 |
| Noncurrent loans to loans | 2.0178% | 833 |
| Net loans and leases to total assets | 83.1688% | 527 |
| Net loans and leases to deposits | 97.1360% | 976 |
| Net loans and leases to core deposits | 114.4156% | 781 |
| Total domestic deposits to total assets | 85.6211% | 2,560 |
| Equity capital to assets | 9.7389% | 4,189 |
| Core capital (leverage) ratio | 9.4849% | 4,144 |
| Tier 1 risk-based capital ratio | 10.9474% | 5,277 |
| Total risk-based capital ratio | 11.9894% | 5,293 |
| Memoranda: | ||
| Average total assets | $377,372,000 | 1,814 |
| Average earning assets | $353,100,670 | 1,802 |
| Average equity | $36,453,670 | 2,005 |
| Average total loans | $311,096,670 | 1,523 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7024% | 935 |
| Cost of funding earning assets | 0.7604% | 614 |
| Net interest margin | 3.9421% | 1,636 |
| Noninterest income to average assets | 0.1968% | 5,090 |
| Noninterest expense to average assets | 3.1822% | 1,660 |
| Loan and lease loss provision to assets | 0.1322% | 1,444 |
| Net operating income to assets | 0.5681% | 4,290 |
| Return on assets (ROA) | 0.5681% | 4,334 |
| Pretax return on assets | 0.5681% | 4,799 |
| Return on Equity (ROE) | 5.9050% | 3,959 |
| Retained earnings to average equity (ytd only) | -4.7284% | 5,367 |
| Net charge-offs to loans | -0.0013% | 3,973 |
| Credit loss provision to net charge-offs | -12,500.0000% | 4,784 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9619% | 1,163 |
| Assets per employee ($millions) | 5.7837% | 1,665 |
| Cash dividends to net income (ytd only)* | 180.0745% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0940% | 3,743 |
| Loan loss allowance to noncurrent loans | 87.0643% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 1.0146% | 1,795 |
| Noncurrent loans to loans | 1.2565% | 1,609 |
| Net loans and leases to total assets | 79.8642% | 849 |
| Net loans and leases to deposits | 90.6437% | 1,467 |
| Net loans and leases to core deposits | 105.7125% | 1,122 |
| Total domestic deposits to total assets | 88.1079% | 1,652 |
| Equity capital to assets | 9.4935% | 4,288 |
| Core capital (leverage) ratio | 9.6010% | 4,003 |
| Tier 1 risk-based capital ratio | 11.2462% | 5,176 |
| Total risk-based capital ratio | 12.2820% | 5,198 |
| Memoranda: | ||
| Average total assets | $378,106,000 | 1,825 |
| Average earning assets | $353,520,500 | 1,808 |
| Average equity | $36,376,000 | 2,010 |
| Average total loans | $308,578,000 | 1,538 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7537% | 955 |
| Cost of funding earning assets | 0.6971% | 818 |
| Net interest margin | 4.0566% | 1,478 |
| Noninterest income to average assets | 0.4088% | 3,812 |
| Noninterest expense to average assets | 3.2630% | 1,657 |
| Loan and lease loss provision to assets | 0.2677% | 754 |
| Net operating income to assets | 0.6660% | 3,923 |
| Return on assets (ROA) | 0.6688% | 4,029 |
| Pretax return on assets | 0.6688% | 4,590 |
| Return on Equity (ROE) | 6.6579% | 3,661 |
| Retained earnings to average equity (ytd only) | 1.1065% | 4,862 |
| Net charge-offs to loans | 0.1660% | 1,630 |
| Credit loss provision to net charge-offs | 195.7746% | 1,440 |
| Earnings coverage of net charge-offs (x) | 6.8290% | 3,118 |
| Efficiency ratio | 77.7516% | 1,729 |
| Assets per employee ($millions) | 5.7614% | 1,652 |
| Cash dividends to net income (ytd only)* | 83.3813% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0507% | 4,007 |
| Loan loss allowance to noncurrent loans | 83.8110% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 1.0342% | 1,829 |
| Noncurrent loans to loans | 1.2537% | 1,636 |
| Net loans and leases to total assets | 81.6253% | 650 |
| Net loans and leases to deposits | 99.2091% | 726 |
| Net loans and leases to core deposits | 116.1961% | 611 |
| Total domestic deposits to total assets | 82.2761% | 4,003 |
| Equity capital to assets | 9.7501% | 4,009 |
| Core capital (leverage) ratio | 9.7738% | 3,777 |
| Tier 1 risk-based capital ratio | 11.4011% | 5,114 |
| Total risk-based capital ratio | 12.3999% | 5,143 |
| Memoranda: | ||
| Average total assets | $363,496,600 | 1,836 |
| Average earning assets | $339,421,400 | 1,829 |
| Average equity | $36,513,000 | 2,003 |
| Average total loans | $299,427,000 | 1,515 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7667% | 956 |
| Cost of funding earning assets | 0.6860% | 870 |
| Net interest margin | 4.0806% | 1,438 |
| Noninterest income to average assets | 0.4919% | 3,309 |
| Noninterest expense to average assets | 3.1955% | 1,785 |
| Loan and lease loss provision to assets | 0.3252% | 507 |
| Net operating income to assets | 0.7809% | 3,452 |
| Return on assets (ROA) | 0.7846% | 3,577 |
| Pretax return on assets | 0.7846% | 4,350 |
| Return on Equity (ROE) | 7.7523% | 3,144 |
| Retained earnings to average equity (ytd only) | 1.2196% | 5,022 |
| Net charge-offs to loans | 0.2141% | 1,086 |
| Credit loss provision to net charge-offs | 184.4864% | 1,521 |
| Earnings coverage of net charge-offs (x) | 6.2747% | 3,016 |
| Efficiency ratio | 74.2847% | 2,226 |
| Assets per employee ($millions) | 5.5743% | 1,780 |
| Cash dividends to net income (ytd only)* | 84.2673% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0463% | 4,149 |
| Loan loss allowance to noncurrent loans | 71.6350% | 4,230 |
| Noncurrent assets plus other real estate owned to assets | 1.3738% | 1,360 |
| Noncurrent loans to loans | 1.4605% | 1,480 |
| Net loans and leases to total assets | 80.3272% | 842 |
| Net loans and leases to deposits | 99.6330% | 726 |
| Net loans and leases to core deposits | 117.1798% | 605 |
| Total domestic deposits to total assets | 80.6231% | 4,351 |
| Equity capital to assets | 9.9705% | 4,152 |
| Core capital (leverage) ratio | 9.7448% | 3,879 |
| Tier 1 risk-based capital ratio | 11.5406% | 5,063 |
| Total risk-based capital ratio | 12.5307% | 5,112 |
| Memoranda: | ||
| Average total assets | $360,748,750 | 1,855 |
| Average earning assets | $336,801,000 | 1,846 |
| Average equity | $36,513,000 | 2,007 |
| Average total loans | $297,053,000 | 1,530 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7709% | 935 |
| Cost of funding earning assets | 0.6811% | 884 |
| Net interest margin | 4.0898% | 1,390 |
| Noninterest income to average assets | 0.2990% | 4,647 |
| Noninterest expense to average assets | 3.1281% | 1,987 |
| Loan and lease loss provision to assets | 0.3860% | 402 |
| Net operating income to assets | 0.6014% | 4,260 |
| Return on assets (ROA) | 0.6070% | 4,365 |
| Pretax return on assets | 0.6070% | 4,864 |
| Return on Equity (ROE) | 5.9661% | 4,061 |
| Retained earnings to average equity (ytd only) | -2.5861% | 5,586 |
| Net charge-offs to loans | 0.1017% | 1,815 |
| Credit loss provision to net charge-offs | 458.6667% | 700 |
| Earnings coverage of net charge-offs (x) | 11.7333% | 2,234 |
| Efficiency ratio | 76.0087% | 2,075 |
| Assets per employee ($millions) | 5.3079% | 1,975 |
| Cash dividends to net income (ytd only)* | 143.3457% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0707% | 4,106 |
| Loan loss allowance to noncurrent loans | 61.5099% | 4,540 |
| Noncurrent assets plus other real estate owned to assets | 1.9307% | 862 |
| Noncurrent loans to loans | 1.7407% | 1,206 |
| Net loans and leases to total assets | 83.4541% | 468 |
| Net loans and leases to deposits | 105.0948% | 403 |
| Net loans and leases to core deposits | 127.4765% | 343 |
| Total domestic deposits to total assets | 79.4084% | 4,692 |
| Equity capital to assets | 9.9500% | 4,288 |
| Core capital (leverage) ratio | 9.8442% | 3,756 |
| Tier 1 risk-based capital ratio | 10.4626% | 5,684 |
| Total risk-based capital ratio | 11.4195% | 5,738 |
| Memoranda: | ||
| Average total assets | $356,505,000 | 1,880 |
| Average earning assets | $332,682,000 | 1,864 |
| Average equity | $36,271,330 | 2,026 |
| Average total loans | $295,011,330 | 1,543 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8378% | 787 |
| Cost of funding earning assets | 0.6621% | 983 |
| Net interest margin | 4.1757% | 1,156 |
| Noninterest income to average assets | 0.3014% | 4,571 |
| Noninterest expense to average assets | 3.1043% | 2,088 |
| Loan and lease loss provision to assets | 0.5267% | 222 |
| Net operating income to assets | 0.5733% | 4,296 |
| Return on assets (ROA) | 0.5801% | 4,384 |
| Pretax return on assets | 0.5801% | 4,879 |
| Return on Equity (ROE) | 5.6375% | 4,156 |
| Retained earnings to average equity (ytd only) | -8.8762% | 5,774 |
| Net charge-offs to loans | 0.4166% | 540 |
| Credit loss provision to net charge-offs | 154.3333% | 1,252 |
| Earnings coverage of net charge-offs (x) | 3.2233% | 2,571 |
| Efficiency ratio | 73.8366% | 2,504 |
| Assets per employee ($millions) | 5.7606% | 1,612 |
| Cash dividends to net income (ytd only)* | 257.4510% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9898% | 4,668 |
| Loan loss allowance to noncurrent loans | 84.5489% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 1.4450% | 1,430 |
| Noncurrent loans to loans | 1.1707% | 2,071 |
| Net loans and leases to total assets | 82.1427% | 539 |
| Net loans and leases to deposits | 104.4566% | 392 |
| Net loans and leases to core deposits | 121.8517% | 420 |
| Total domestic deposits to total assets | 78.6381% | 5,044 |
| Equity capital to assets | 10.0622% | 4,000 |
| Core capital (leverage) ratio | 10.0341% | 3,497 |
| Tier 1 risk-based capital ratio | 10.5506% | 5,728 |
| Total risk-based capital ratio | 11.4141% | 5,803 |
| Memoranda: | ||
| Average total assets | $351,636,500 | 1,904 |
| Average earning assets | $328,664,500 | 1,888 |
| Average equity | $36,186,500 | 2,027 |
| Average total loans | $288,041,000 | 1,573 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7882% | 945 |
| Cost of funding earning assets | 0.6787% | 922 |
| Net interest margin | 4.1095% | 1,392 |
| Noninterest income to average assets | 0.4278% | 3,831 |
| Noninterest expense to average assets | 3.1068% | 2,215 |
| Loan and lease loss provision to assets | 0.0564% | 3,180 |
| Net operating income to assets | 1.0704% | 2,039 |
| Return on assets (ROA) | 1.0858% | 2,053 |
| Pretax return on assets | 1.0858% | 3,125 |
| Return on Equity (ROE) | 10.1589% | 1,952 |
| Retained earnings to average equity (ytd only) | 8.9703% | 658 |
| Net charge-offs to loans | 0.0460% | 3,295 |
| Credit loss provision to net charge-offs | 157.6271% | 1,697 |
| Earnings coverage of net charge-offs (x) | 31.4915% | 1,403 |
| Efficiency ratio | 73.3849% | 2,674 |
| Assets per employee ($millions) | 5.8663% | 1,487 |
| Cash dividends to net income (ytd only)* | 11.7006% | 4,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9901% | 4,671 |
| Loan loss allowance to noncurrent loans | 80.6405% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 1.4813% | 1,372 |
| Noncurrent loans to loans | 1.2278% | 1,920 |
| Net loans and leases to total assets | 80.0311% | 842 |
| Net loans and leases to deposits | 97.4865% | 862 |
| Net loans and leases to core deposits | 114.4392% | 661 |
| Total domestic deposits to total assets | 82.0946% | 4,147 |
| Equity capital to assets | 10.5269% | 3,329 |
| Core capital (leverage) ratio | 10.1440% | 3,327 |
| Tier 1 risk-based capital ratio | 11.1554% | 5,438 |
| Total risk-based capital ratio | 11.9988% | 5,565 |
| Memoranda: | ||
| Average total assets | $329,796,600 | 1,993 |
| Average earning assets | $305,414,400 | 1,991 |
| Average equity | $35,249,800 | 2,027 |
| Average total loans | $256,267,400 | 1,690 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7638% | 996 |
| Cost of funding earning assets | 0.6860% | 905 |
| Net interest margin | 4.0777% | 1,471 |
| Noninterest income to average assets | 0.4736% | 3,549 |
| Noninterest expense to average assets | 3.0971% | 2,229 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1429% | 1,855 |
| Return on assets (ROA) | 1.1629% | 1,852 |
| Pretax return on assets | 1.1629% | 2,956 |
| Return on Equity (ROE) | 10.8370% | 1,768 |
| Retained earnings to average equity (ytd only) | 9.7727% | 677 |
| Net charge-offs to loans | 0.0021% | 4,108 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 698.4184% | 109 |
| Efficiency ratio | 73.0450% | 2,708 |
| Assets per employee ($millions) | 5.9009% | 1,444 |
| Cash dividends to net income (ytd only)* | 9.8205% | 3,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0087% | 4,702 |
| Loan loss allowance to noncurrent loans | 84.1547% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 1.4822% | 1,520 |
| Noncurrent loans to loans | 1.1987% | 2,130 |
| Net loans and leases to total assets | 80.1223% | 812 |
| Net loans and leases to deposits | 96.0700% | 996 |
| Net loans and leases to core deposits | 113.9961% | 672 |
| Total domestic deposits to total assets | 83.3999% | 3,656 |
| Equity capital to assets | 10.8915% | 3,137 |
| Core capital (leverage) ratio | 10.6739% | 2,854 |
| Tier 1 risk-based capital ratio | 11.4447% | 5,408 |
| Total risk-based capital ratio | 12.3015% | 5,527 |
| Memoranda: | ||
| Average total assets | $325,717,250 | 2,031 |
| Average earning assets | $300,846,000 | 2,032 |
| Average equity | $34,953,500 | 2,057 |
| Average total loans | $250,392,000 | 1,733 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6796% | 1,119 |
| Cost of funding earning assets | 0.6924% | 875 |
| Net interest margin | 3.9871% | 1,675 |
| Noninterest income to average assets | 0.2925% | 4,870 |
| Noninterest expense to average assets | 3.0863% | 2,283 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8762% | 3,008 |
| Return on assets (ROA) | 0.9064% | 2,966 |
| Pretax return on assets | 0.9064% | 3,935 |
| Return on Equity (ROE) | 8.4894% | 2,800 |
| Retained earnings to average equity (ytd only) | 7.6804% | 1,395 |
| Net charge-offs to loans | 0.0033% | 3,790 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 355.0000% | 196 |
| Efficiency ratio | 77.8885% | 2,088 |
| Assets per employee ($millions) | 5.7817% | 1,515 |
| Cash dividends to net income (ytd only)* | 9.5303% | 3,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0747% | 4,463 |
| Loan loss allowance to noncurrent loans | 82.8879% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 1.8856% | 1,210 |
| Noncurrent loans to loans | 1.2966% | 2,070 |
| Net loans and leases to total assets | 76.7037% | 1,272 |
| Net loans and leases to deposits | 90.2063% | 1,574 |
| Net loans and leases to core deposits | 103.7637% | 1,203 |
| Total domestic deposits to total assets | 85.0315% | 3,110 |
| Equity capital to assets | 10.7291% | 3,183 |
| Core capital (leverage) ratio | 10.2896% | 3,226 |
| Tier 1 risk-based capital ratio | 11.7055% | 5,338 |
| Total risk-based capital ratio | 12.6130% | 5,468 |
| Memoranda: | ||
| Average total assets | $324,139,670 | 2,052 |
| Average earning assets | $298,361,000 | 2,056 |
| Average equity | $34,607,670 | 2,083 |
| Average total loans | $244,702,000 | 1,782 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6707% | 1,092 |
| Cost of funding earning assets | 0.6766% | 969 |
| Net interest margin | 3.9941% | 1,577 |
| Noninterest income to average assets | 0.2245% | 5,349 |
| Noninterest expense to average assets | 3.0340% | 2,471 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8596% | 2,967 |
| Return on assets (ROA) | 0.9188% | 2,778 |
| Pretax return on assets | 0.9188% | 3,816 |
| Return on Equity (ROE) | 8.6271% | 2,635 |
| Retained earnings to average equity (ytd only) | 8.6271% | 1,331 |
| Net charge-offs to loans | 0.0149% | 2,868 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 77.4444% | 607 |
| Efficiency ratio | 77.9221% | 2,196 |
| Assets per employee ($millions) | 5.8572% | 1,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1251% | 4,396 |
| Loan loss allowance to noncurrent loans | 82.6327% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 2.1921% | 1,049 |
| Noncurrent loans to loans | 1.3616% | 2,112 |
| Net loans and leases to total assets | 72.1504% | 1,783 |
| Net loans and leases to deposits | 84.4578% | 2,006 |
| Net loans and leases to core deposits | 96.8346% | 1,564 |
| Total domestic deposits to total assets | 85.4278% | 3,208 |
| Equity capital to assets | 10.4695% | 3,567 |
| Core capital (leverage) ratio | 10.4397% | 3,044 |
| Tier 1 risk-based capital ratio | 12.0925% | 5,178 |
| Total risk-based capital ratio | 13.0442% | 5,272 |
| Memoranda: | ||
| Average total assets | $324,323,000 | 2,056 |
| Average earning assets | $297,939,500 | 2,065 |
| Average equity | $34,542,500 | 2,097 |
| Average total loans | $241,531,000 | 1,798 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9273% | 878 |
| Cost of funding earning assets | 0.7047% | 1,078 |
| Net interest margin | 4.2225% | 1,240 |
| Noninterest income to average assets | 0.3831% | 4,310 |
| Noninterest expense to average assets | 2.9149% | 3,099 |
| Loan and lease loss provision to assets | 0.1183% | 2,201 |
| Net operating income to assets | 1.2037% | 1,574 |
| Return on assets (ROA) | 1.2084% | 1,616 |
| Pretax return on assets | 1.2084% | 2,617 |
| Return on Equity (ROE) | 12.1490% | 1,373 |
| Retained earnings to average equity (ytd only) | 12.1490% | 287 |
| Net charge-offs to loans | 0.0372% | 4,092 |
| Credit loss provision to net charge-offs | 436.0465% | 596 |
| Earnings coverage of net charge-offs (x) | 48.7093% | 948 |
| Efficiency ratio | 68.7970% | 3,753 |
| Assets per employee ($millions) | 5.8299% | 1,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1087% | 4,496 |
| Loan loss allowance to noncurrent loans | 82.8326% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 2.2433% | 1,083 |
| Noncurrent loans to loans | 1.3384% | 2,195 |
| Net loans and leases to total assets | 75.1651% | 1,390 |
| Net loans and leases to deposits | 91.6368% | 1,326 |
| Net loans and leases to core deposits | 106.5925% | 980 |
| Total domestic deposits to total assets | 82.0250% | 4,412 |
| Equity capital to assets | 10.8360% | 3,076 |
| Core capital (leverage) ratio | 10.4608% | 2,995 |
| Tier 1 risk-based capital ratio | 12.8661% | 4,815 |
| Total risk-based capital ratio | 13.8662% | 4,878 |
| Memoranda: | ||
| Average total assets | $316,857,400 | 2,051 |
| Average earning assets | $289,187,600 | 2,073 |
| Average equity | $31,517,000 | 2,193 |
| Average total loans | $231,127,200 | 1,818 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9359% | 866 |
| Cost of funding earning assets | 0.7060% | 1,126 |
| Net interest margin | 4.2299% | 1,200 |
| Noninterest income to average assets | 0.4090% | 4,171 |
| Noninterest expense to average assets | 2.8429% | 3,311 |
| Loan and lease loss provision to assets | 0.1583% | 1,575 |
| Net operating income to assets | 1.2640% | 1,481 |
| Return on assets (ROA) | 1.2670% | 1,529 |
| Pretax return on assets | 1.2670% | 2,504 |
| Return on Equity (ROE) | 13.0334% | 1,215 |
| Retained earnings to average equity (ytd only) | 13.0334% | 329 |
| Net charge-offs to loans | 0.0503% | 3,498 |
| Credit loss provision to net charge-offs | 436.0465% | 649 |
| Earnings coverage of net charge-offs (x) | 39.1873% | 1,148 |
| Efficiency ratio | 66.6535% | 4,107 |
| Assets per employee ($millions) | 6.0325% | 1,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1407% | 4,556 |
| Loan loss allowance to noncurrent loans | 82.7312% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 2.2093% | 1,249 |
| Noncurrent loans to loans | 1.3788% | 2,345 |
| Net loans and leases to total assets | 71.8867% | 1,873 |
| Net loans and leases to deposits | 84.0194% | 2,149 |
| Net loans and leases to core deposits | 97.6869% | 1,539 |
| Total domestic deposits to total assets | 85.5596% | 3,091 |
| Equity capital to assets | 10.3259% | 3,763 |
| Core capital (leverage) ratio | 10.8346% | 2,658 |
| Tier 1 risk-based capital ratio | 12.8580% | 4,947 |
| Total risk-based capital ratio | 13.8776% | 5,004 |
| Memoranda: | ||
| Average total assets | $315,910,500 | 2,076 |
| Average earning assets | $288,007,500 | 2,094 |
| Average equity | $30,710,000 | 2,245 |
| Average total loans | $227,980,250 | 1,848 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0058% | 745 |
| Cost of funding earning assets | 0.7099% | 1,140 |
| Net interest margin | 4.2959% | 1,034 |
| Noninterest income to average assets | 0.4485% | 3,886 |
| Noninterest expense to average assets | 2.8347% | 3,389 |
| Loan and lease loss provision to assets | 0.2399% | 941 |
| Net operating income to assets | 1.2763% | 1,373 |
| Return on assets (ROA) | 1.2801% | 1,422 |
| Pretax return on assets | 1.2801% | 2,337 |
| Return on Equity (ROE) | 13.4592% | 1,061 |
| Retained earnings to average equity (ytd only) | 13.4592% | 296 |
| Net charge-offs to loans | 0.0329% | 3,546 |
| Credit loss provision to net charge-offs | 1,013.5135% | 320 |
| Earnings coverage of net charge-offs (x) | 64.0541% | 771 |
| Efficiency ratio | 65.1522% | 4,498 |
| Assets per employee ($millions) | 5.8789% | 1,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2259% | 4,302 |
| Loan loss allowance to noncurrent loans | 73.9119% | 4,376 |
| Noncurrent assets plus other real estate owned to assets | 2.5512% | 1,092 |
| Noncurrent loans to loans | 1.6586% | 2,091 |
| Net loans and leases to total assets | 72.5068% | 1,648 |
| Net loans and leases to deposits | 87.3019% | 1,674 |
| Net loans and leases to core deposits | 102.3607% | 1,113 |
| Total domestic deposits to total assets | 83.0529% | 4,281 |
| Equity capital to assets | 10.7447% | 3,151 |
| Core capital (leverage) ratio | 10.7275% | 2,687 |
| Tier 1 risk-based capital ratio | 13.3063% | 4,716 |
| Total risk-based capital ratio | 14.4085% | 4,744 |
| Memoranda: | ||
| Average total assets | $312,629,670 | 2,093 |
| Average earning assets | $283,989,330 | 2,108 |
| Average equity | $29,734,330 | 2,288 |
| Average total loans | $225,015,330 | 1,863 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8123% | 1,018 |
| Cost of funding earning assets | 0.7032% | 1,226 |
| Net interest margin | 4.1091% | 1,433 |
| Noninterest income to average assets | 0.2417% | 5,423 |
| Noninterest expense to average assets | 2.9257% | 3,137 |
| Loan and lease loss provision to assets | 0.4745% | 325 |
| Net operating income to assets | 0.5834% | 4,272 |
| Return on assets (ROA) | 0.5834% | 4,345 |
| Pretax return on assets | 0.5834% | 4,887 |
| Return on Equity (ROE) | 6.5441% | 3,720 |
| Retained earnings to average equity (ytd only) | 6.5441% | 2,255 |
| Net charge-offs to loans | 0.0657% | 2,499 |
| Credit loss provision to net charge-offs | 1,013.5135% | 303 |
| Earnings coverage of net charge-offs (x) | 22.5946% | 1,244 |
| Efficiency ratio | 73.4435% | 3,236 |
| Assets per employee ($millions) | 6.4324% | 1,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2096% | 4,590 |
| Loan loss allowance to noncurrent loans | 73.0871% | 4,399 |
| Noncurrent assets plus other real estate owned to assets | 2.7577% | 1,091 |
| Noncurrent loans to loans | 1.6550% | 2,344 |
| Net loans and leases to total assets | 71.2835% | 1,686 |
| Net loans and leases to deposits | 85.7402% | 1,633 |
| Net loans and leases to core deposits | 99.7527% | 1,119 |
| Total domestic deposits to total assets | 83.1390% | 4,558 |
| Equity capital to assets | 9.4851% | 4,519 |
| Core capital (leverage) ratio | 9.6816% | 4,022 |
| Tier 1 risk-based capital ratio | 11.9004% | 5,709 |
| Total risk-based capital ratio | 12.9628% | 5,748 |
| Memoranda: | ||
| Average total assets | $316,092,000 | 2,076 |
| Average earning assets | $287,847,000 | 2,093 |
| Average equity | $28,178,000 | 2,392 |
| Average total loans | $225,319,000 | 1,862 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9256% | 1,045 |
| Cost of funding earning assets | 0.7432% | 1,544 |
| Net interest margin | 4.1824% | 1,413 |
| Noninterest income to average assets | 0.1650% | 6,107 |
| Noninterest expense to average assets | 3.1957% | 2,435 |
| Loan and lease loss provision to assets | 0.0355% | 4,411 |
| Net operating income to assets | 0.7450% | 3,579 |
| Return on assets (ROA) | 0.7780% | 3,507 |
| Pretax return on assets | 0.7780% | 4,232 |
| Return on Equity (ROE) | 8.1467% | 2,957 |
| Retained earnings to average equity (ytd only) | 8.1467% | 1,009 |
| Net charge-offs to loans | -0.0118% | 6,047 |
| Credit loss provision to net charge-offs | -416.6667% | 6,112 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3713% | 2,092 |
| Assets per employee ($millions) | 5.9811% | 1,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0810% | 5,238 |
| Loan loss allowance to noncurrent loans | 44.8930% | 5,461 |
| Noncurrent assets plus other real estate owned to assets | 3.0439% | 1,030 |
| Noncurrent loans to loans | 2.4080% | 1,591 |
| Net loans and leases to total assets | 69.6529% | 2,073 |
| Net loans and leases to deposits | 82.6936% | 2,107 |
| Net loans and leases to core deposits | 96.3102% | 1,426 |
| Total domestic deposits to total assets | 84.2301% | 4,084 |
| Equity capital to assets | 8.3471% | 5,738 |
| Core capital (leverage) ratio | 9.3570% | 4,460 |
| Tier 1 risk-based capital ratio | 10.9038% | 6,219 |
| Total risk-based capital ratio | 11.8531% | 6,290 |
| Memoranda: | ||
| Average total assets | $281,753,400 | 2,256 |
| Average earning assets | $256,741,000 | 2,273 |
| Average equity | $26,906,600 | 2,464 |
| Average total loans | $203,197,600 | 1,982 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0069% | 932 |
| Cost of funding earning assets | 0.7525% | 1,588 |
| Net interest margin | 4.2544% | 1,197 |
| Noninterest income to average assets | 0.1612% | 6,218 |
| Noninterest expense to average assets | 3.0438% | 2,847 |
| Loan and lease loss provision to assets | 0.0122% | 4,754 |
| Net operating income to assets | 0.9745% | 2,488 |
| Return on assets (ROA) | 1.0200% | 2,383 |
| Pretax return on assets | 1.0200% | 3,421 |
| Return on Equity (ROE) | 10.3039% | 2,065 |
| Retained earnings to average equity (ytd only) | 6.5337% | 2,115 |
| Net charge-offs to loans | -0.0013% | 5,665 |
| Credit loss provision to net charge-offs | -1,250.0000% | 6,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5181% | 2,808 |
| Assets per employee ($millions) | 5.6906% | 1,459 |
| Cash dividends to net income (ytd only)* | 36.5900% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0939% | 5,355 |
| Loan loss allowance to noncurrent loans | 59.0967% | 4,857 |
| Noncurrent assets plus other real estate owned to assets | 2.8791% | 1,291 |
| Noncurrent loans to loans | 1.8510% | 2,432 |
| Net loans and leases to total assets | 73.5975% | 1,350 |
| Net loans and leases to deposits | 89.4439% | 1,225 |
| Net loans and leases to core deposits | 106.9609% | 709 |
| Total domestic deposits to total assets | 82.2834% | 4,838 |
| Equity capital to assets | 9.4422% | 4,624 |
| Core capital (leverage) ratio | 10.2652% | 3,293 |
| Tier 1 risk-based capital ratio | 11.7531% | 5,925 |
| Total risk-based capital ratio | 12.7290% | 6,033 |
| Memoranda: | ||
| Average total assets | $272,942,750 | 2,330 |
| Average earning assets | $248,239,750 | 2,352 |
| Average equity | $27,018,250 | 2,481 |
| Average total loans | $198,194,500 | 2,014 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9875% | 927 |
| Cost of funding earning assets | 0.7799% | 1,526 |
| Net interest margin | 4.2075% | 1,259 |
| Noninterest income to average assets | 0.1591% | 6,255 |
| Noninterest expense to average assets | 3.0690% | 2,766 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9194% | 2,699 |
| Return on assets (ROA) | 0.9209% | 2,834 |
| Pretax return on assets | 0.9209% | 3,831 |
| Return on Equity (ROE) | 9.1544% | 2,555 |
| Retained earnings to average equity (ytd only) | 4.5439% | 3,378 |
| Net charge-offs to loans | -0.0382% | 6,163 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9474% | 2,636 |
| Assets per employee ($millions) | 5.9206% | 1,260 |
| Cash dividends to net income (ytd only)* | 50.3632% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1843% | 5,071 |
| Loan loss allowance to noncurrent loans | 298.2051% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 1.8557% | 2,335 |
| Noncurrent loans to loans | 0.3971% | 5,276 |
| Net loans and leases to total assets | 71.2610% | 1,682 |
| Net loans and leases to deposits | 87.2908% | 1,429 |
| Net loans and leases to core deposits | 103.3165% | 868 |
| Total domestic deposits to total assets | 81.6364% | 5,166 |
| Equity capital to assets | 9.8334% | 4,143 |
| Core capital (leverage) ratio | 10.1657% | 3,275 |
| Tier 1 risk-based capital ratio | 12.2244% | 5,663 |
| Total risk-based capital ratio | 13.2700% | 5,730 |
| Memoranda: | ||
| Average total assets | $269,080,330 | 2,380 |
| Average earning assets | $244,893,670 | 2,402 |
| Average equity | $27,069,000 | 2,481 |
| Average total loans | $193,685,000 | 2,064 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9827% | 924 |
| Cost of funding earning assets | 0.8090% | 1,479 |
| Net interest margin | 4.1737% | 1,270 |
| Noninterest income to average assets | 0.1675% | 6,261 |
| Noninterest expense to average assets | 3.1677% | 2,456 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7882% | 3,230 |
| Return on assets (ROA) | 0.7912% | 3,346 |
| Pretax return on assets | 0.7912% | 4,200 |
| Return on Equity (ROE) | 7.7757% | 3,087 |
| Retained earnings to average equity (ytd only) | 0.6614% | 5,563 |
| Net charge-offs to loans | 0.0998% | 2,859 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 10.9792% | 1,694 |
| Efficiency ratio | 80.0756% | 2,325 |
| Assets per employee ($millions) | 5.7297% | 1,461 |
| Cash dividends to net income (ytd only)* | 91.4934% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1706% | 5,319 |
| Loan loss allowance to noncurrent loans | 285.1145% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 1.8790% | 2,505 |
| Noncurrent loans to loans | 0.4106% | 5,387 |
| Net loans and leases to total assets | 70.2567% | 1,622 |
| Net loans and leases to deposits | 86.3840% | 1,310 |
| Net loans and leases to core deposits | 102.2266% | 812 |
| Total domestic deposits to total assets | 81.3307% | 5,408 |
| Equity capital to assets | 10.1133% | 3,999 |
| Core capital (leverage) ratio | 10.0364% | 3,328 |
| Tier 1 risk-based capital ratio | 12.2839% | 5,729 |
| Total risk-based capital ratio | 13.3179% | 5,827 |
| Memoranda: | ||
| Average total assets | $267,446,500 | 2,417 |
| Average earning assets | $242,759,500 | 2,448 |
| Average equity | $27,213,000 | 2,510 |
| Average total loans | $192,325,500 | 2,085 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9324% | 297 |
| Cost of funding earning assets | 1.2381% | 485 |
| Net interest margin | 4.6943% | 658 |
| Noninterest income to average assets | 0.1273% | 6,401 |
| Noninterest expense to average assets | 4.0292% | 948 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4486% | 4,889 |
| Return on assets (ROA) | 0.4845% | 4,999 |
| Pretax return on assets | 0.4845% | 5,329 |
| Return on Equity (ROE) | 4.8704% | 4,742 |
| Retained earnings to average equity (ytd only) | 0.6869% | 5,525 |
| Net charge-offs to loans | 0.2445% | 3,476 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 2.5402% | 4,146 |
| Efficiency ratio | 89.9822% | 1,074 |
| Assets per employee ($millions) | 5.5332% | 1,661 |
| Cash dividends to net income (ytd only)* | 85.8974% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1847% | 5,186 |
| Loan loss allowance to noncurrent loans | 231.2121% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 1.9820% | 2,474 |
| Noncurrent loans to loans | 0.5124% | 5,248 |
| Net loans and leases to total assets | 71.8843% | 1,509 |
| Net loans and leases to deposits | 84.6957% | 1,676 |
| Net loans and leases to core deposits | 97.9821% | 1,150 |
| Total domestic deposits to total assets | 84.8736% | 3,916 |
| Equity capital to assets | 10.2378% | 3,843 |
| Core capital (leverage) ratio | 10.2492% | 3,077 |
| Tier 1 risk-based capital ratio | 12.3810% | 5,556 |
| Total risk-based capital ratio | 13.4473% | 5,613 |
| Memoranda: | ||
| Average total assets | $225,377,200 | 2,781 |
| Average earning assets | $208,869,600 | 2,750 |
| Average equity | $22,421,000 | 2,925 |
| Average total loans | $162,799,800 | 2,387 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2781% | 184 |
| Cost of funding earning assets | 1.3705% | 330 |
| Net interest margin | 4.9076% | 460 |
| Noninterest income to average assets | 0.1226% | 6,521 |
| Noninterest expense to average assets | 4.1679% | 758 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5400% | 4,660 |
| Return on assets (ROA) | 0.5263% | 4,999 |
| Pretax return on assets | 0.5263% | 5,393 |
| Return on Equity (ROE) | 5.3386% | 4,668 |
| Retained earnings to average equity (ytd only) | 2.9394% | 4,797 |
| Net charge-offs to loans | 0.0086% | 5,599 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 87.2198% | 475 |
| Efficiency ratio | 88.5308% | 1,142 |
| Assets per employee ($millions) | 5.8825% | 1,318 |
| Cash dividends to net income (ytd only)* | 44.9409% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5166% | 3,885 |
| Loan loss allowance to noncurrent loans | 326.4634% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 2.5175% | 2,101 |
| Noncurrent loans to loans | 0.4646% | 5,521 |
| Net loans and leases to total assets | 67.1621% | 2,429 |
| Net loans and leases to deposits | 79.7928% | 2,420 |
| Net loans and leases to core deposits | 92.2613% | 1,757 |
| Total domestic deposits to total assets | 84.1706% | 4,140 |
| Equity capital to assets | 10.7310% | 3,571 |
| Core capital (leverage) ratio | 10.2073% | 3,275 |
| Tier 1 risk-based capital ratio | 13.5477% | 4,851 |
| Total risk-based capital ratio | 14.7990% | 4,811 |
| Memoranda: | ||
| Average total assets | $215,322,750 | 2,913 |
| Average earning assets | $201,180,000 | 2,851 |
| Average equity | $21,228,500 | 3,099 |
| Average total loans | $155,197,250 | 2,532 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0708% | 1,595 |
| Cost of funding earning assets | 1.1691% | 947 |
| Net interest margin | 3.9016% | 2,897 |
| Noninterest income to average assets | 0.0966% | 6,689 |
| Noninterest expense to average assets | 2.7706% | 4,131 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0218% | 2,376 |
| Return on assets (ROA) | 1.0089% | 2,644 |
| Pretax return on assets | 1.0089% | 3,668 |
| Return on Equity (ROE) | 10.6372% | 2,118 |
| Retained earnings to average equity (ytd only) | 8.2641% | 1,545 |
| Net charge-offs to loans | 0.0135% | 5,251 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 102.6000% | 415 |
| Efficiency ratio | 73.0567% | 3,231 |
| Assets per employee ($millions) | 6.5614% | 923 |
| Cash dividends to net income (ytd only)* | 22.3100% | 2,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0795% | 5,863 |
| Loan loss allowance to noncurrent loans | 372.8132% | 972 |
| Noncurrent assets plus other real estate owned to assets | 1.0359% | 4,309 |
| Noncurrent loans to loans | 0.2895% | 5,988 |
| Net loans and leases to total assets | 68.8285% | 2,133 |
| Net loans and leases to deposits | 82.9683% | 1,985 |
| Net loans and leases to core deposits | 96.0954% | 1,421 |
| Total domestic deposits to total assets | 82.9576% | 4,772 |
| Equity capital to assets | 9.3245% | 5,289 |
| Core capital (leverage) ratio | 9.3850% | 4,319 |
| Tier 1 risk-based capital ratio | 12.6581% | 5,447 |
| Total risk-based capital ratio | 13.7011% | 5,580 |
| Memoranda: | ||
| Average total assets | $200,820,670 | 3,071 |
| Average earning assets | $190,227,330 | 2,994 |
| Average equity | $19,046,330 | 3,350 |
| Average total loans | $148,092,330 | 2,643 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0874% | 1,618 |
| Cost of funding earning assets | 1.2081% | 949 |
| Net interest margin | 3.8794% | 3,008 |
| Noninterest income to average assets | 0.1121% | 6,684 |
| Noninterest expense to average assets | 2.8168% | 3,961 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0130% | 2,426 |
| Return on assets (ROA) | 0.9845% | 2,736 |
| Pretax return on assets | 0.9845% | 3,729 |
| Return on Equity (ROE) | 10.2873% | 2,306 |
| Retained earnings to average equity (ytd only) | 8.8177% | 1,656 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5498% | 3,168 |
| Assets per employee ($millions) | 6.5421% | 951 |
| Cash dividends to net income (ytd only)* | 14.2857% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0803% | 5,963 |
| Loan loss allowance to noncurrent loans | 94.1281% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 1.4562% | 3,684 |
| Noncurrent loans to loans | 1.1477% | 4,414 |
| Net loans and leases to total assets | 74.0408% | 1,055 |
| Net loans and leases to deposits | 87.4790% | 1,231 |
| Net loans and leases to core deposits | 100.8425% | 936 |
| Total domestic deposits to total assets | 84.6384% | 4,193 |
| Equity capital to assets | 9.6876% | 4,539 |
| Core capital (leverage) ratio | 9.6471% | 3,849 |
| Tier 1 risk-based capital ratio | 13.2051% | 5,064 |
| Total risk-based capital ratio | 14.3219% | 5,121 |
| Memoranda: | ||
| Average total assets | $196,249,000 | 3,153 |
| Average earning assets | $188,071,000 | 3,037 |
| Average equity | $18,780,500 | 3,383 |
| Average total loans | $149,092,500 | 2,650 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2390% | 1,915 |
| Cost of funding earning assets | 1.4351% | 904 |
| Net interest margin | 3.8039% | 3,797 |
| Noninterest income to average assets | -0.0195% | 7,030 |
| Noninterest expense to average assets | 2.7980% | 4,352 |
| Loan and lease loss provision to assets | 0.1387% | 4,885 |
| Net operating income to assets | 0.6730% | 3,616 |
| Return on assets (ROA) | 0.7563% | 3,397 |
| Pretax return on assets | 0.7563% | 4,130 |
| Return on Equity (ROE) | 8.3265% | 2,754 |
| Retained earnings to average equity (ytd only) | 6.8615% | 1,571 |
| Net charge-offs to loans | 0.1236% | 5,152 |
| Credit loss provision to net charge-offs | 143.6170% | 2,019 |
| Earnings coverage of net charge-offs (x) | 8.4043% | 2,155 |
| Efficiency ratio | 77.5121% | 2,663 |
| Assets per employee ($millions) | 6.5412% | 933 |
| Cash dividends to net income (ytd only)* | 17.5951% | 3,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0490% | 6,003 |
| Loan loss allowance to noncurrent loans | 154.5278% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 1.1206% | 4,365 |
| Noncurrent loans to loans | 0.6789% | 5,343 |
| Net loans and leases to total assets | 76.2842% | 913 |
| Net loans and leases to deposits | 89.8213% | 1,180 |
| Net loans and leases to core deposits | 102.2653% | 1,005 |
| Total domestic deposits to total assets | 84.9289% | 3,892 |
| Equity capital to assets | 9.4519% | 4,963 |
| Core capital (leverage) ratio | 9.1686% | 4,516 |
| Tier 1 risk-based capital ratio | 13.1043% | 4,988 |
| Total risk-based capital ratio | 14.2376% | 5,057 |
| Memoranda: | ||
| Average total assets | $194,639,000 | 3,120 |
| Average earning assets | $185,704,800 | 3,021 |
| Average equity | $17,678,400 | 3,473 |
| Average total loans | $152,096,600 | 2,614 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2106% | 2,169 |
| Cost of funding earning assets | 1.4662% | 968 |
| Net interest margin | 3.7444% | 4,137 |
| Noninterest income to average assets | -0.0487% | 7,162 |
| Noninterest expense to average assets | 2.8555% | 4,126 |
| Loan and lease loss provision to assets | 0.1853% | 4,179 |
| Net operating income to assets | 0.4777% | 4,647 |
| Return on assets (ROA) | 0.5876% | 4,323 |
| Pretax return on assets | 0.5876% | 4,855 |
| Return on Equity (ROE) | 6.5363% | 3,748 |
| Retained earnings to average equity (ytd only) | 5.0473% | 3,141 |
| Net charge-offs to loans | 0.1882% | 4,291 |
| Credit loss provision to net charge-offs | 125.5814% | 2,555 |
| Earnings coverage of net charge-offs (x) | 4.4930% | 3,058 |
| Efficiency ratio | 81.1549% | 2,090 |
| Assets per employee ($millions) | 7.2931% | 640 |
| Cash dividends to net income (ytd only)* | 22.7802% | 2,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0340% | 6,108 |
| Loan loss allowance to noncurrent loans | 84.6446% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 1.0514% | 4,664 |
| Noncurrent loans to loans | 1.2216% | 4,507 |
| Net loans and leases to total assets | 73.1185% | 1,486 |
| Net loans and leases to deposits | 85.3203% | 1,782 |
| Net loans and leases to core deposits | 97.4679% | 1,473 |
| Total domestic deposits to total assets | 85.6988% | 3,385 |
| Equity capital to assets | 8.8366% | 5,939 |
| Core capital (leverage) ratio | 8.7283% | 5,366 |
| Tier 1 risk-based capital ratio | 12.8698% | 5,190 |
| Total risk-based capital ratio | 13.9978% | 5,273 |
| Memoranda: | ||
| Average total assets | $194,239,750 | 3,142 |
| Average earning assets | $185,052,500 | 3,037 |
| Average equity | $17,461,000 | 3,517 |
| Average total loans | $152,299,750 | 2,631 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2401% | 2,097 |
| Cost of funding earning assets | 1.4666% | 1,133 |
| Net interest margin | 3.7735% | 3,920 |
| Noninterest income to average assets | -0.1110% | 7,296 |
| Noninterest expense to average assets | 2.8211% | 4,344 |
| Loan and lease loss provision to assets | 0.2828% | 3,118 |
| Net operating income to assets | 0.3698% | 5,086 |
| Return on assets (ROA) | 0.3792% | 5,179 |
| Pretax return on assets | 0.3792% | 5,458 |
| Return on Equity (ROE) | 4.1931% | 4,839 |
| Retained earnings to average equity (ytd only) | 2.6757% | 4,590 |
| Net charge-offs to loans | 0.1283% | 4,454 |
| Credit loss provision to net charge-offs | 275.5102% | 1,104 |
| Earnings coverage of net charge-offs (x) | 6.3571% | 2,409 |
| Efficiency ratio | 81.2123% | 2,216 |
| Assets per employee ($millions) | 6.7737% | 818 |
| Cash dividends to net income (ytd only)* | 36.1878% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0597% | 6,099 |
| Loan loss allowance to noncurrent loans | 84.9114% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 1.1515% | 4,582 |
| Noncurrent loans to loans | 1.2480% | 4,575 |
| Net loans and leases to total assets | 77.0503% | 906 |
| Net loans and leases to deposits | 89.7329% | 1,306 |
| Net loans and leases to core deposits | 102.5860% | 1,143 |
| Total domestic deposits to total assets | 85.8663% | 3,398 |
| Equity capital to assets | 8.6605% | 5,988 |
| Core capital (leverage) ratio | 9.3033% | 4,248 |
| Tier 1 risk-based capital ratio | 12.3698% | 5,455 |
| Total risk-based capital ratio | 13.5642% | 5,485 |
| Memoranda: | ||
| Average total assets | $190,917,330 | 3,212 |
| Average earning assets | $181,371,670 | 3,108 |
| Average equity | $17,266,330 | 3,535 |
| Average total loans | $152,775,330 | 2,646 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4312% | 1,475 |
| Cost of funding earning assets | 1.5456% | 995 |
| Net interest margin | 3.8857% | 3,214 |
| Noninterest income to average assets | -0.3767% | 7,476 |
| Noninterest expense to average assets | 2.8901% | 4,102 |
| Loan and lease loss provision to assets | 0.1927% | 3,702 |
| Net operating income to assets | 0.2143% | 5,738 |
| Return on assets (ROA) | 0.2143% | 5,801 |
| Pretax return on assets | 0.2143% | 5,905 |
| Return on Equity (ROE) | 2.3158% | 5,679 |
| Retained earnings to average equity (ytd only) | 0.7018% | 5,544 |
| Net charge-offs to loans | 0.2613% | 3,024 |
| Credit loss provision to net charge-offs | 90.8163% | 2,934 |
| Earnings coverage of net charge-offs (x) | 1.9184% | 3,351 |
| Efficiency ratio | 87.6559% | 1,557 |
| Assets per employee ($millions) | 6.2534% | 1,048 |
| Cash dividends to net income (ytd only)* | 69.6970% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9765% | 6,478 |
| Loan loss allowance to noncurrent loans | 142.2053% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 1.0666% | 4,792 |
| Noncurrent loans to loans | 0.6867% | 5,648 |
| Net loans and leases to total assets | 80.8679% | 443 |
| Net loans and leases to deposits | 95.2778% | 734 |
| Net loans and leases to core deposits | 111.4229% | 676 |
| Total domestic deposits to total assets | 84.8759% | 4,093 |
| Equity capital to assets | 9.1359% | 4,977 |
| Core capital (leverage) ratio | 9.3383% | 4,071 |
| Tier 1 risk-based capital ratio | 12.5069% | 5,259 |
| Total risk-based capital ratio | 13.5968% | 5,393 |
| Memoranda: | ||
| Average total assets | $184,771,000 | 3,326 |
| Average earning assets | $174,693,500 | 3,226 |
| Average equity | $17,100,000 | 3,548 |
| Average total loans | $150,037,500 | 2,714 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6317% | 1,793 |
| Cost of funding earning assets | 2.1646% | 344 |
| Net interest margin | 3.4671% | 5,375 |
| Noninterest income to average assets | 0.0411% | 7,152 |
| Noninterest expense to average assets | 2.8112% | 4,558 |
| Loan and lease loss provision to assets | 0.4274% | 3,552 |
| Net operating income to assets | 0.0853% | 5,624 |
| Return on assets (ROA) | 0.2342% | 5,313 |
| Pretax return on assets | 0.2342% | 5,397 |
| Return on Equity (ROE) | 2.6491% | 5,112 |
| Retained earnings to average equity (ytd only) | 1.0399% | 5,021 |
| Net charge-offs to loans | 0.2192% | 4,978 |
| Credit loss provision to net charge-offs | 224.2588% | 1,333 |
| Earnings coverage of net charge-offs (x) | 2.6900% | 3,743 |
| Efficiency ratio | 84.5773% | 1,853 |
| Assets per employee ($millions) | 5.8691% | 1,304 |
| Cash dividends to net income (ytd only)* | 60.7456% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0247% | 6,261 |
| Loan loss allowance to noncurrent loans | 96.4744% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 2.2057% | 3,087 |
| Noncurrent loans to loans | 1.0622% | 4,950 |
| Net loans and leases to total assets | 79.8968% | 673 |
| Net loans and leases to deposits | 94.5919% | 1,004 |
| Net loans and leases to core deposits | 110.6834% | 884 |
| Total domestic deposits to total assets | 84.4647% | 4,139 |
| Equity capital to assets | 9.3772% | 4,572 |
| Core capital (leverage) ratio | 8.9720% | 4,590 |
| Tier 1 risk-based capital ratio | 13.3367% | 4,343 |
| Total risk-based capital ratio | 14.5080% | 4,357 |
| Memoranda: | ||
| Average total assets | $194,684,400 | 3,167 |
| Average earning assets | $184,331,400 | 3,071 |
| Average equity | $17,213,600 | 3,550 |
| Average total loans | $169,247,200 | 2,482 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6729% | 1,804 |
| Cost of funding earning assets | 2.2368% | 340 |
| Net interest margin | 3.4360% | 5,547 |
| Noninterest income to average assets | 0.0317% | 7,361 |
| Noninterest expense to average assets | 2.7081% | 4,847 |
| Loan and lease loss provision to assets | 0.5539% | 2,731 |
| Net operating income to assets | 0.0229% | 5,950 |
| Return on assets (ROA) | 0.2183% | 5,618 |
| Pretax return on assets | 0.2183% | 5,687 |
| Return on Equity (ROE) | 2.5040% | 5,430 |
| Retained earnings to average equity (ytd only) | 0.8579% | 5,457 |
| Net charge-offs to loans | 0.1609% | 5,035 |
| Credit loss provision to net charge-offs | 389.5735% | 788 |
| Earnings coverage of net charge-offs (x) | 4.0568% | 3,202 |
| Efficiency ratio | 82.4410% | 2,014 |
| Assets per employee ($millions) | 6.3409% | 1,051 |
| Cash dividends to net income (ytd only)* | 65.7399% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0498% | 6,160 |
| Loan loss allowance to noncurrent loans | 57.7057% | 4,462 |
| Noncurrent assets plus other real estate owned to assets | 2.6058% | 2,774 |
| Noncurrent loans to loans | 1.8193% | 3,917 |
| Net loans and leases to total assets | 82.0035% | 492 |
| Net loans and leases to deposits | 96.3758% | 938 |
| Net loans and leases to core deposits | 109.4120% | 1,069 |
| Total domestic deposits to total assets | 85.0872% | 3,577 |
| Equity capital to assets | 8.9877% | 5,599 |
| Core capital (leverage) ratio | 8.6961% | 5,195 |
| Tier 1 risk-based capital ratio | 13.2481% | 4,390 |
| Total risk-based capital ratio | 14.4985% | 4,359 |
| Memoranda: | ||
| Average total assets | $197,870,250 | 3,170 |
| Average earning assets | $187,342,250 | 3,082 |
| Average equity | $17,251,750 | 3,599 |
| Average total loans | $174,841,500 | 2,447 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7300% | 1,656 |
| Cost of funding earning assets | 2.3044% | 332 |
| Net interest margin | 3.4255% | 5,532 |
| Noninterest income to average assets | 0.0619% | 7,273 |
| Noninterest expense to average assets | 2.6145% | 5,265 |
| Loan and lease loss provision to assets | 0.4970% | 2,812 |
| Net operating income to assets | 0.1916% | 5,590 |
| Return on assets (ROA) | 0.2136% | 5,648 |
| Pretax return on assets | 0.2136% | 5,745 |
| Return on Equity (ROE) | 2.4735% | 5,475 |
| Retained earnings to average equity (ytd only) | 0.7513% | 5,465 |
| Net charge-offs to loans | 0.1728% | 4,580 |
| Credit loss provision to net charge-offs | 319.2308% | 1,147 |
| Earnings coverage of net charge-offs (x) | 4.4231% | 2,955 |
| Efficiency ratio | 79.1541% | 2,552 |
| Assets per employee ($millions) | 6.1320% | 1,136 |
| Cash dividends to net income (ytd only)* | 69.6262% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8116% | 7,006 |
| Loan loss allowance to noncurrent loans | 73.8412% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 2.8259% | 2,555 |
| Noncurrent loans to loans | 1.0991% | 5,118 |
| Net loans and leases to total assets | 86.3284% | 206 |
| Net loans and leases to deposits | 98.2786% | 845 |
| Net loans and leases to core deposits | 111.2748% | 1,081 |
| Total domestic deposits to total assets | 87.8404% | 2,084 |
| Equity capital to assets | 8.8730% | 5,637 |
| Core capital (leverage) ratio | 8.5190% | 5,374 |
| Tier 1 risk-based capital ratio | 12.6004% | 4,772 |
| Total risk-based capital ratio | 13.6263% | 4,952 |
| Memoranda: | ||
| Average total assets | $200,418,330 | 3,161 |
| Average earning assets | $189,634,670 | 3,067 |
| Average equity | $17,303,330 | 3,584 |
| Average total loans | $180,573,000 | 2,419 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7798% | 1,525 |
| Cost of funding earning assets | 2.3391% | 380 |
| Net interest margin | 3.4407% | 5,422 |
| Noninterest income to average assets | 0.0731% | 7,341 |
| Noninterest expense to average assets | 2.5776% | 5,442 |
| Loan and lease loss provision to assets | 0.5886% | 2,150 |
| Net operating income to assets | 0.1580% | 5,829 |
| Return on assets (ROA) | 0.2015% | 5,801 |
| Pretax return on assets | 0.2015% | 5,874 |
| Return on Equity (ROE) | 2.3653% | 5,606 |
| Retained earnings to average equity (ytd only) | 0.3478% | 5,698 |
| Net charge-offs to loans | 0.0129% | 5,401 |
| Credit loss provision to net charge-offs | 4,966.6667% | 99 |
| Earnings coverage of net charge-offs (x) | 63.0000% | 486 |
| Efficiency ratio | 77.5401% | 2,972 |
| Assets per employee ($millions) | 6.5681% | 964 |
| Cash dividends to net income (ytd only)* | 85.2941% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7336% | 7,282 |
| Loan loss allowance to noncurrent loans | 59.9103% | 4,384 |
| Noncurrent assets plus other real estate owned to assets | 2.8116% | 2,587 |
| Noncurrent loans to loans | 1.2244% | 4,926 |
| Net loans and leases to total assets | 91.7525% | 38 |
| Net loans and leases to deposits | 104.0985% | 524 |
| Net loans and leases to core deposits | 118.1239% | 860 |
| Total domestic deposits to total assets | 88.1401% | 1,981 |
| Equity capital to assets | 8.7524% | 5,647 |
| Core capital (leverage) ratio | 8.4078% | 5,547 |
| Tier 1 risk-based capital ratio | 12.1242% | 5,062 |
| Total risk-based capital ratio | 13.0785% | 5,313 |
| Memoranda: | ||
| Average total assets | $202,515,500 | 3,187 |
| Average earning assets | $191,355,000 | 3,103 |
| Average equity | $17,249,500 | 3,614 |
| Average total loans | $185,468,000 | 2,422 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9391% | 2,087 |
| Cost of funding earning assets | 2.8211% | 417 |
| Net interest margin | 3.1179% | 6,318 |
| Noninterest income to average assets | 0.0458% | 7,521 |
| Noninterest expense to average assets | 2.3371% | 6,645 |
| Loan and lease loss provision to assets | 0.3818% | 4,498 |
| Net operating income to assets | 0.3152% | 4,474 |
| Return on assets (ROA) | 0.3152% | 4,558 |
| Pretax return on assets | 0.3152% | 4,719 |
| Return on Equity (ROE) | 4.2512% | 3,986 |
| Retained earnings to average equity (ytd only) | 3.3207% | 2,848 |
| Net charge-offs to loans | 0.3729% | 4,347 |
| Credit loss provision to net charge-offs | 111.7566% | 4,912 |
| Earnings coverage of net charge-offs (x) | 2.0401% | 4,198 |
| Efficiency ratio | 77.0285% | 3,358 |
| Assets per employee ($millions) | 7.1720% | 746 |
| Cash dividends to net income (ytd only)* | 21.8891% | 3,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5529% | 7,612 |
| Loan loss allowance to noncurrent loans | 632.7273% | 540 |
| Noncurrent assets plus other real estate owned to assets | 1.6746% | 3,858 |
| Noncurrent loans to loans | 0.0874% | 7,193 |
| Net loans and leases to total assets | 90.2764% | 81 |
| Net loans and leases to deposits | 107.6215% | 474 |
| Net loans and leases to core deposits | 149.4230% | 523 |
| Total domestic deposits to total assets | 83.8833% | 4,079 |
| Equity capital to assets | 8.2952% | 6,203 |
| Core capital (leverage) ratio | 8.6544% | 5,007 |
| Tier 1 risk-based capital ratio | 11.8361% | 5,084 |
| Total risk-based capital ratio | 12.5647% | 5,542 |
| Memoranda: | ||
| Average total assets | $211,628,400 | 3,045 |
| Average earning assets | $202,826,000 | 2,935 |
| Average equity | $15,689,600 | 3,927 |
| Average total loans | $193,906,800 | 2,354 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0064% | 2,009 |
| Cost of funding earning assets | 2.9775% | 352 |
| Net interest margin | 3.0289% | 6,522 |
| Noninterest income to average assets | 0.0552% | 7,625 |
| Noninterest expense to average assets | 2.2809% | 6,752 |
| Loan and lease loss provision to assets | 0.3814% | 4,039 |
| Net operating income to assets | 0.3093% | 4,761 |
| Return on assets (ROA) | 0.3093% | 4,866 |
| Pretax return on assets | 0.3093% | 5,035 |
| Return on Equity (ROE) | 4.2966% | 4,252 |
| Retained earnings to average equity (ytd only) | 3.3379% | 3,435 |
| Net charge-offs to loans | 0.0902% | 5,784 |
| Credit loss provision to net charge-offs | 460.6061% | 852 |
| Earnings coverage of net charge-offs (x) | 8.3407% | 2,264 |
| Efficiency ratio | 76.7574% | 3,367 |
| Assets per employee ($millions) | 7.0266% | 784 |
| Cash dividends to net income (ytd only)* | 22.3118% | 3,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7646% | 7,217 |
| Loan loss allowance to noncurrent loans | 94.0984% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 2.1009% | 3,213 |
| Noncurrent loans to loans | 0.8125% | 5,675 |
| Net loans and leases to total assets | 91.4022% | 70 |
| Net loans and leases to deposits | 109.6761% | 478 |
| Net loans and leases to core deposits | 149.5375% | 589 |
| Total domestic deposits to total assets | 83.3382% | 4,045 |
| Equity capital to assets | 8.3927% | 6,395 |
| Core capital (leverage) ratio | 8.1532% | 6,097 |
| Tier 1 risk-based capital ratio | 12.4604% | 4,576 |
| Total risk-based capital ratio | 13.5234% | 4,669 |
| Memoranda: | ||
| Average total assets | $212,538,250 | 3,059 |
| Average earning assets | $204,642,250 | 2,924 |
| Average equity | $15,298,750 | 4,043 |
| Average total loans | $195,181,250 | 2,371 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0048% | 2,165 |
| Cost of funding earning assets | 3.0975% | 352 |
| Net interest margin | 2.9072% | 6,783 |
| Noninterest income to average assets | 0.0529% | 7,726 |
| Noninterest expense to average assets | 2.1934% | 7,070 |
| Loan and lease loss provision to assets | 0.4753% | 3,145 |
| Net operating income to assets | 0.1921% | 5,289 |
| Return on assets (ROA) | 0.1921% | 5,368 |
| Pretax return on assets | 0.1921% | 5,488 |
| Return on Equity (ROE) | 2.8168% | 4,970 |
| Retained earnings to average equity (ytd only) | 1.7962% | 4,342 |
| Net charge-offs to loans | 0.1123% | 5,038 |
| Credit loss provision to net charge-offs | 461.2613% | 1,007 |
| Earnings coverage of net charge-offs (x) | 6.4775% | 2,609 |
| Efficiency ratio | 76.6710% | 3,570 |
| Assets per employee ($millions) | 7.4674% | 624 |
| Cash dividends to net income (ytd only)* | 36.2319% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7102% | 7,398 |
| Loan loss allowance to noncurrent loans | 115.7447% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 1.0426% | 4,884 |
| Noncurrent loans to loans | 0.6136% | 6,028 |
| Net loans and leases to total assets | 90.9397% | 96 |
| Net loans and leases to deposits | 102.9798% | 991 |
| Net loans and leases to core deposits | 138.2212% | 1,096 |
| Total domestic deposits to total assets | 88.3083% | 1,621 |
| Equity capital to assets | 7.0358% | 7,597 |
| Core capital (leverage) ratio | 6.9336% | 7,580 |
| Tier 1 risk-based capital ratio | 10.1407% | 6,785 |
| Total risk-based capital ratio | 11.0874% | 7,036 |
| Memoranda: | ||
| Average total assets | $215,460,330 | 3,034 |
| Average earning assets | $208,101,670 | 2,895 |
| Average equity | $14,697,670 | 4,159 |
| Average total loans | $197,679,330 | 2,375 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0720% | 2,066 |
| Cost of funding earning assets | 3.3159% | 259 |
| Net interest margin | 2.7560% | 7,081 |
| Noninterest income to average assets | 0.0549% | 7,805 |
| Noninterest expense to average assets | 2.0032% | 7,341 |
| Loan and lease loss provision to assets | 0.5488% | 2,277 |
| Net operating income to assets | 0.1683% | 5,760 |
| Return on assets (ROA) | 0.1683% | 5,927 |
| Pretax return on assets | 0.1683% | 6,012 |
| Return on Equity (ROE) | 2.5049% | 5,570 |
| Retained earnings to average equity (ytd only) | 1.3886% | 5,078 |
| Net charge-offs to loans | 0.1833% | 3,534 |
| Credit loss provision to net charge-offs | 326.0870% | 1,519 |
| Earnings coverage of net charge-offs (x) | 4.2609% | 2,926 |
| Efficiency ratio | 73.6382% | 3,886 |
| Assets per employee ($millions) | 8.4997% | 420 |
| Cash dividends to net income (ytd only)* | 44.5652% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5932% | 7,668 |
| Loan loss allowance to noncurrent loans | 93.5846% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 0.8734% | 5,003 |
| Noncurrent loans to loans | 0.6339% | 5,822 |
| Net loans and leases to total assets | 92.0327% | 62 |
| Net loans and leases to deposits | 106.4984% | 827 |
| Net loans and leases to core deposits | 179.7008% | 237 |
| Total domestic deposits to total assets | 86.4170% | 2,494 |
| Equity capital to assets | 6.9409% | 7,708 |
| Core capital (leverage) ratio | 6.4376% | 7,905 |
| Tier 1 risk-based capital ratio | 10.0421% | 6,867 |
| Total risk-based capital ratio | 10.8510% | 7,276 |
| Memoranda: | ||
| Average total assets | $218,646,500 | 3,002 |
| Average earning assets | $211,463,000 | 2,862 |
| Average equity | $14,691,000 | 4,195 |
| Average total loans | $200,767,000 | 2,358 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1629% | 4,708 |
| Cost of funding earning assets | 3.3503% | 808 |
| Net interest margin | 2.8126% | 7,309 |
| Noninterest income to average assets | 0.0630% | 7,834 |
| Noninterest expense to average assets | 2.2846% | 6,745 |
| Loan and lease loss provision to assets | 0.2845% | 4,105 |
| Net operating income to assets | 0.1983% | 5,853 |
| Return on assets (ROA) | 0.1983% | 5,670 |
| Pretax return on assets | 0.1983% | 5,736 |
| Return on Equity (ROE) | 2.9500% | 5,253 |
| Retained earnings to average equity (ytd only) | 2.3090% | 3,765 |
| Net charge-offs to loans | 0.0998% | 5,317 |
| Credit loss provision to net charge-offs | 315.9509% | 1,428 |
| Earnings coverage of net charge-offs (x) | 5.3620% | 3,670 |
| Efficiency ratio | 82.5549% | 2,231 |
| Assets per employee ($millions) | 7.7517% | 504 |
| Cash dividends to net income (ytd only)* | 21.7270% | 4,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4683% | 7,890 |
| Loan loss allowance to noncurrent loans | 103.7879% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 0.4377% | 5,902 |
| Noncurrent loans to loans | 0.4512% | 5,995 |
| Net loans and leases to total assets | 90.6784% | 152 |
| Net loans and leases to deposits | 99.9505% | 1,840 |
| Net loans and leases to core deposits | 172.8863% | 361 |
| Total domestic deposits to total assets | 90.7233% | 416 |
| Equity capital to assets | 6.5093% | 7,937 |
| Core capital (leverage) ratio | 7.6813% | 6,965 |
| Tier 1 risk-based capital ratio | 10.1254% | 6,603 |
| Total risk-based capital ratio | 10.7980% | 7,170 |
| Memoranda: | ||
| Average total assets | $181,036,600 | 3,395 |
| Average earning assets | $174,074,400 | 3,264 |
| Average equity | $12,169,600 | 4,787 |
| Average total loans | $163,339,200 | 2,725 |