Home > Vinings Bank > Performance and Condition Ratios
Vinings Bank, Performance and Condition Ratios
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3737% | 2,984 |
| Cost of funding earning assets | 0.2343% | 2,881 |
| Net interest margin | 3.1393% | 2,802 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 1.8667% | 3,828 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.4531% | 946 |
| Return on assets (ROA) | -2.9634% | 4,740 |
| Pretax return on assets | -4.1537% | 4,747 |
| Return on Equity (ROE) | -63.4600% | 4,743 |
| Retained earnings to average equity (ytd only) | -80.6701% | 4,762 |
| Net charge-offs to loans | -0.0338% | 4,172 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 55.9674% | 3,628 |
| Assets per employee ($millions) | 10.9043% | 508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9599% | 3,653 |
| 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 | 52.8700% | 3,197 |
| Net loans and leases to deposits | 55.2593% | 3,533 |
| Net loans and leases to core deposits | 55.7225% | 3,642 |
| Total domestic deposits to total assets | 95.6800% | 155 |
| Equity capital to assets | 3.5447% | 4,541 |
| Core capital (leverage) ratio | 5.0624% | 4,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 8.9132% | 3,117 |
| Memoranda: | ||
| Average total assets | $612,615,750 | 1,458 |
| Average earning assets | $565,584,750 | 1,472 |
| Average equity | $28,608,000 | 2,429 |
| Average total loans | $252,708,500 | 1,926 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0169% | 3,516 |
| Cost of funding earning assets | 0.2038% | 2,865 |
| Net interest margin | 2.8130% | 3,411 |
| Noninterest income to average assets | 0.5007% | 2,200 |
| Noninterest expense to average assets | 1.8476% | 3,841 |
| Loan and lease loss provision to assets | 0.0227% | 2,188 |
| Net operating income to assets | 1.1397% | 1,632 |
| Return on assets (ROA) | 0.0800% | 4,494 |
| Pretax return on assets | -0.1027% | 4,574 |
| Return on Equity (ROE) | 1.6083% | 4,392 |
| Retained earnings to average equity (ytd only) | -17.8538% | 4,719 |
| Net charge-offs to loans | -0.0492% | 4,232 |
| Credit loss provision to net charge-offs | -121.6667% | 3,138 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4291% | 3,374 |
| Assets per employee ($millions) | 12.3983% | 340 |
| Cash dividends to net income (ytd only)* | 1,210.1167% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0336% | 3,452 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 41.9111% | 3,979 |
| Net loans and leases to deposits | 43.2028% | 4,149 |
| Net loans and leases to core deposits | 43.5141% | 4,205 |
| Total domestic deposits to total assets | 97.0102% | 49 |
| Equity capital to assets | 2.5486% | 4,708 |
| Core capital (leverage) ratio | 7.1113% | 4,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1645% | 2,763 |
| Memoranda: | ||
| Average total assets | $642,353,000 | 1,404 |
| Average earning assets | $595,587,333 | 1,416 |
| Average equity | $31,959,667 | 2,315 |
| Average total loans | $243,806,333 | 1,974 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9178% | 3,489 |
| Cost of funding earning assets | 0.1977% | 2,834 |
| Net interest margin | 2.7202% | 3,364 |
| Noninterest income to average assets | 0.7622% | 1,142 |
| Noninterest expense to average assets | 1.9502% | 3,551 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3820% | 834 |
| Return on assets (ROA) | 0.5039% | 3,671 |
| Pretax return on assets | 0.4715% | 3,918 |
| Return on Equity (ROE) | 8.3160% | 2,578 |
| Retained earnings to average equity (ytd only) | -16.7311% | 4,663 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1008% | 3,575 |
| Assets per employee ($millions) | 13.7516% | 260 |
| Cash dividends to net income (ytd only)* | 301.1919% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0500% | 3,533 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 36.0422% | 4,206 |
| Net loans and leases to deposits | 38.1214% | 4,321 |
| Net loans and leases to core deposits | 38.9761% | 4,340 |
| Total domestic deposits to total assets | 94.5458% | 74 |
| Equity capital to assets | 4.9673% | 4,725 |
| Core capital (leverage) ratio | 7.0347% | 4,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6838% | 2,723 |
| Memoranda: | ||
| Average total assets | $665,970,000 | 1,373 |
| Average earning assets | $621,286,000 | 1,370 |
| Average equity | $40,356,000 | 2,039 |
| Average total loans | $239,696,500 | 1,996 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4852% | 2,697 |
| Cost of funding earning assets | 0.2662% | 2,742 |
| Net interest margin | 3.2189% | 2,560 |
| Noninterest income to average assets | 0.5684% | 2,286 |
| Noninterest expense to average assets | 1.9999% | 3,676 |
| Loan and lease loss provision to assets | 0.1733% | 665 |
| Net operating income to assets | 1.1819% | 1,984 |
| Return on assets (ROA) | 1.7960% | 531 |
| Pretax return on assets | 2.1753% | 434 |
| Return on Equity (ROE) | 26.9204% | 97 |
| Retained earnings to average equity (ytd only) | 17.9405% | 91 |
| Net charge-offs to loans | 0.3377% | 250 |
| Credit loss provision to net charge-offs | 115.8700% | 1,673 |
| Earnings coverage of net charge-offs (x) | 10.7581% | 2,195 |
| Efficiency ratio | 55.4213% | 3,770 |
| Assets per employee ($millions) | 14.5875% | 216 |
| Cash dividends to net income (ytd only)* | 33.3572% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0132% | 3,688 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 35.2238% | 4,322 |
| Net loans and leases to deposits | 38.2597% | 4,385 |
| Net loans and leases to core deposits | 39.1109% | 4,418 |
| Total domestic deposits to total assets | 92.0649% | 161 |
| Equity capital to assets | 7.0896% | 4,702 |
| Core capital (leverage) ratio | 7.1929% | 4,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0559% | 2,610 |
| Memoranda: | ||
| Average total assets | $699,546,200 | 1,285 |
| Average earning assets | $660,688,800 | 1,278 |
| Average equity | $46,671,000 | 1,871 |
| Average total loans | $309,717,000 | 1,666 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6192% | 2,500 |
| Cost of funding earning assets | 0.2878% | 2,714 |
| Net interest margin | 3.3314% | 2,333 |
| Noninterest income to average assets | 0.5018% | 2,615 |
| Noninterest expense to average assets | 1.8595% | 4,035 |
| Loan and lease loss provision to assets | 0.0556% | 1,871 |
| Net operating income to assets | 1.4091% | 1,512 |
| Return on assets (ROA) | 2.1713% | 362 |
| Pretax return on assets | 2.6803% | 260 |
| Return on Equity (ROE) | 33.0503% | 67 |
| Retained earnings to average equity (ytd only) | 22.6350% | 77 |
| Net charge-offs to loans | 0.0462% | 1,201 |
| Credit loss provision to net charge-offs | 259.2920% | 1,076 |
| Earnings coverage of net charge-offs (x) | 83.7522% | 953 |
| Efficiency ratio | 50.8848% | 4,135 |
| Assets per employee ($millions) | 13.8981% | 249 |
| Cash dividends to net income (ytd only)* | 31.5137% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9500% | 4,008 |
| Loan loss allowance to noncurrent loans | 145.6356% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 0.2613% | 2,464 |
| Noncurrent loans to loans | 0.6523% | 1,681 |
| Net loans and leases to total assets | 39.6826% | 4,224 |
| Net loans and leases to deposits | 45.6300% | 4,246 |
| Net loans and leases to core deposits | 46.6579% | 4,296 |
| Total domestic deposits to total assets | 86.9662% | 2,367 |
| Equity capital to assets | 7.4881% | 4,710 |
| Core capital (leverage) ratio | 7.2253% | 4,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8709% | 2,748 |
| Memoranda: | ||
| Average total assets | $703,029,250 | 1,302 |
| Average earning assets | $665,290,750 | 1,285 |
| Average equity | $46,187,000 | 1,906 |
| Average total loans | $326,153,500 | 1,631 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5168% | 2,841 |
| Cost of funding earning assets | 0.3161% | 2,632 |
| Net interest margin | 3.2007% | 2,759 |
| Noninterest income to average assets | 0.4463% | 2,868 |
| Noninterest expense to average assets | 1.6711% | 4,406 |
| Loan and lease loss provision to assets | 0.0236% | 2,495 |
| Net operating income to assets | 1.4441% | 1,433 |
| Return on assets (ROA) | 2.3045% | 300 |
| Pretax return on assets | 2.8634% | 218 |
| Return on Equity (ROE) | 36.6268% | 57 |
| Retained earnings to average equity (ytd only) | 23.2076% | 89 |
| Net charge-offs to loans | 0.0650% | 971 |
| Credit loss provision to net charge-offs | 75.2212% | 1,502 |
| Earnings coverage of net charge-offs (x) | 57.6814% | 987 |
| Efficiency ratio | 47.9850% | 4,387 |
| Assets per employee ($millions) | 14.7287% | 204 |
| Cash dividends to net income (ytd only)* | 36.6377% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7548% | 4,444 |
| Loan loss allowance to noncurrent loans | 132.0766% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 0.2545% | 2,653 |
| Noncurrent loans to loans | 0.5715% | 1,971 |
| Net loans and leases to total assets | 44.1891% | 4,030 |
| Net loans and leases to deposits | 54.9644% | 3,800 |
| Net loans and leases to core deposits | 56.2794% | 3,870 |
| Total domestic deposits to total assets | 80.3959% | 4,167 |
| Equity capital to assets | 6.9772% | 4,849 |
| Core capital (leverage) ratio | 7.6576% | 4,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4066% | 2,576 |
| Memoranda: | ||
| Average total assets | $719,635,667 | 1,269 |
| Average earning assets | $682,667,333 | 1,251 |
| Average equity | $45,278,333 | 1,922 |
| Average total loans | $347,639,000 | 1,569 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3634% | 3,298 |
| Cost of funding earning assets | 0.3671% | 2,379 |
| Net interest margin | 2.9963% | 3,267 |
| Noninterest income to average assets | 0.2787% | 3,736 |
| Noninterest expense to average assets | 1.6028% | 4,529 |
| Loan and lease loss provision to assets | 0.0443% | 2,184 |
| Net operating income to assets | 1.2579% | 1,951 |
| Return on assets (ROA) | 1.3231% | 1,837 |
| Pretax return on assets | 1.5558% | 1,841 |
| Return on Equity (ROE) | 22.1311% | 384 |
| Retained earnings to average equity (ytd only) | -0.1626% | 4,379 |
| Net charge-offs to loans | -0.0011% | 3,056 |
| Credit loss provision to net charge-offs | -8,200.0000% | 3,781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2696% | 4,065 |
| Assets per employee ($millions) | 17.1843% | 141 |
| Cash dividends to net income (ytd only)* | 100.7347% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6255% | 4,663 |
| Loan loss allowance to noncurrent loans | 124.3623% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 0.2430% | 2,915 |
| Noncurrent loans to loans | 0.5029% | 2,348 |
| Net loans and leases to total assets | 48.0175% | 3,817 |
| Net loans and leases to deposits | 72.1235% | 2,298 |
| Net loans and leases to core deposits | 73.4783% | 2,560 |
| Total domestic deposits to total assets | 66.5768% | 4,828 |
| Equity capital to assets | 5.2686% | 4,961 |
| Core capital (leverage) ratio | 7.1645% | 4,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2950% | 3,040 |
| Memoranda: | ||
| Average total assets | $740,692,500 | 1,230 |
| Average earning assets | $703,933,500 | 1,203 |
| Average equity | $44,281,500 | 1,941 |
| Average total loans | $370,624,500 | 1,486 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3566% | 4,256 |
| Cost of funding earning assets | 0.4006% | 3,573 |
| Net interest margin | 2.9560% | 3,994 |
| Noninterest income to average assets | 0.6661% | 1,964 |
| Noninterest expense to average assets | 2.0731% | 3,991 |
| Loan and lease loss provision to assets | 0.2164% | 1,816 |
| Net operating income to assets | 0.9680% | 2,405 |
| Return on assets (ROA) | 1.5723% | 740 |
| Pretax return on assets | 1.8639% | 594 |
| Return on Equity (ROE) | 22.4234% | 149 |
| Retained earnings to average equity (ytd only) | 18.1220% | 85 |
| Net charge-offs to loans | 0.0363% | 2,325 |
| Credit loss provision to net charge-offs | 1,239.0000% | 668 |
| Earnings coverage of net charge-offs (x) | 77.9300% | 909 |
| Efficiency ratio | 60.3692% | 3,402 |
| Assets per employee ($millions) | 14.7002% | 190 |
| Cash dividends to net income (ytd only)* | 19.1825% | 3,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6418% | 4,669 |
| Loan loss allowance to noncurrent loans | 117.8334% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 0.2833% | 2,882 |
| Noncurrent loans to loans | 0.5447% | 2,348 |
| Net loans and leases to total assets | 51.6693% | 3,688 |
| Net loans and leases to deposits | 79.0974% | 1,968 |
| Net loans and leases to core deposits | 80.7760% | 2,294 |
| Total domestic deposits to total assets | 65.3236% | 4,857 |
| Equity capital to assets | 6.7905% | 4,934 |
| Core capital (leverage) ratio | 7.5111% | 4,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0228% | 2,915 |
| Memoranda: | ||
| Average total assets | $572,614,000 | 1,391 |
| Average earning assets | $536,199,600 | 1,380 |
| Average equity | $40,150,000 | 2,020 |
| Average total loans | $275,291,200 | 1,802 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2838% | 4,495 |
| Cost of funding earning assets | 0.4634% | 3,454 |
| Net interest margin | 2.8203% | 4,306 |
| Noninterest income to average assets | 0.4719% | 2,734 |
| Noninterest expense to average assets | 1.9153% | 4,302 |
| Loan and lease loss provision to assets | 0.1847% | 2,139 |
| Net operating income to assets | 0.8764% | 2,785 |
| Return on assets (ROA) | 1.2468% | 1,612 |
| Pretax return on assets | 1.4275% | 1,644 |
| Return on Equity (ROE) | 17.6047% | 391 |
| Retained earnings to average equity (ytd only) | 13.2607% | 307 |
| Net charge-offs to loans | -0.0010% | 3,816 |
| Credit loss provision to net charge-offs | -37,600.0000% | 4,447 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7510% | 3,116 |
| Assets per employee ($millions) | 15.2017% | 155 |
| Cash dividends to net income (ytd only)* | 24.6751% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5336% | 4,786 |
| Loan loss allowance to noncurrent loans | 102.9475% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 0.2668% | 3,104 |
| Noncurrent loans to loans | 0.5183% | 2,499 |
| Net loans and leases to total assets | 51.2064% | 4,020 |
| Net loans and leases to deposits | 79.7359% | 2,341 |
| Net loans and leases to core deposits | 81.5549% | 2,692 |
| Total domestic deposits to total assets | 64.2200% | 4,886 |
| Equity capital to assets | 6.1288% | 5,000 |
| Core capital (leverage) ratio | 7.4042% | 4,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8756% | 2,944 |
| Memoranda: | ||
| Average total assets | $543,040,500 | 1,428 |
| Average earning assets | $506,358,500 | 1,423 |
| Average equity | $38,458,500 | 2,071 |
| Average total loans | $254,290,750 | 1,897 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4095% | 4,529 |
| Cost of funding earning assets | 0.5975% | 2,978 |
| Net interest margin | 2.8120% | 4,430 |
| Noninterest income to average assets | 0.3450% | 3,409 |
| Noninterest expense to average assets | 2.0112% | 4,214 |
| Loan and lease loss provision to assets | 0.1446% | 2,563 |
| Net operating income to assets | 0.7514% | 3,211 |
| Return on assets (ROA) | 0.8954% | 2,822 |
| Pretax return on assets | 0.9426% | 3,202 |
| Return on Equity (ROE) | 11.8835% | 1,359 |
| Retained earnings to average equity (ytd only) | 7.3691% | 1,516 |
| Net charge-offs to loans | -0.0018% | 3,805 |
| Credit loss provision to net charge-offs | -17,750.0000% | 4,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2472% | 2,204 |
| Assets per employee ($millions) | 15.2647% | 160 |
| Cash dividends to net income (ytd only)* | 37.9891% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4445% | 4,882 |
| Loan loss allowance to noncurrent loans | 163.3441% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 0.1389% | 3,823 |
| Noncurrent loans to loans | 0.2721% | 3,410 |
| Net loans and leases to total assets | 50.8223% | 4,109 |
| Net loans and leases to deposits | 79.7388% | 2,457 |
| Net loans and leases to core deposits | 81.2928% | 2,837 |
| Total domestic deposits to total assets | 63.7360% | 4,920 |
| Equity capital to assets | 6.0119% | 5,037 |
| Core capital (leverage) ratio | 6.8227% | 5,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9816% | 2,975 |
| Memoranda: | ||
| Average total assets | $490,962,000 | 1,524 |
| Average earning assets | $454,261,000 | 1,527 |
| Average equity | $36,992,333 | 2,118 |
| Average total loans | $219,056,000 | 2,091 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8110% | 4,210 |
| Cost of funding earning assets | 0.9528% | 1,639 |
| Net interest margin | 2.8583% | 4,492 |
| Noninterest income to average assets | 0.3085% | 3,664 |
| Noninterest expense to average assets | 2.4292% | 3,477 |
| Loan and lease loss provision to assets | 0.0749% | 2,797 |
| Net operating income to assets | 0.4473% | 4,025 |
| Return on assets (ROA) | 0.6839% | 3,394 |
| Pretax return on assets | 0.6320% | 3,860 |
| Return on Equity (ROE) | 7.7623% | 2,610 |
| Retained earnings to average equity (ytd only) | 3.0369% | 3,071 |
| Net charge-offs to loans | -0.0025% | 3,695 |
| Credit loss provision to net charge-offs | -7,500.0000% | 3,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7810% | 841 |
| Assets per employee ($millions) | 10.5524% | 328 |
| Cash dividends to net income (ytd only)* | 60.8759% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7593% | 4,493 |
| Loan loss allowance to noncurrent loans | 141.2500% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 0.2034% | 3,669 |
| Noncurrent loans to loans | 0.5376% | 2,653 |
| Net loans and leases to total assets | 37.5484% | 4,740 |
| Net loans and leases to deposits | 46.1247% | 4,719 |
| Net loans and leases to core deposits | 47.7776% | 4,734 |
| Total domestic deposits to total assets | 81.4062% | 3,572 |
| Equity capital to assets | 8.7151% | 4,729 |
| Core capital (leverage) ratio | 8.2913% | 4,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1696% | 3,052 |
| Memoranda: | ||
| Average total assets | $400,620,000 | 1,765 |
| Average earning assets | $363,157,000 | 1,802 |
| Average equity | $35,299,000 | 2,183 |
| Average total loans | $157,149,000 | 2,571 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3463% | 3,402 |
| Cost of funding earning assets | 1.2658% | 850 |
| Net interest margin | 3.0805% | 4,396 |
| Noninterest income to average assets | 0.4350% | 3,082 |
| Noninterest expense to average assets | 2.6682% | 2,972 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.5011% | 4,400 |
| Return on assets (ROA) | 1.1566% | 2,325 |
| Pretax return on assets | 1.2391% | 2,704 |
| Return on Equity (ROE) | 13.2857% | 1,079 |
| Retained earnings to average equity (ytd only) | 8.9941% | 712 |
| Net charge-offs to loans | 0.1189% | 1,562 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 11.5750% | 2,483 |
| Efficiency ratio | 83.3168% | 702 |
| Assets per employee ($millions) | 8.9900% | 504 |
| Cash dividends to net income (ytd only)* | 32.3023% | 2,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7749% | 4,377 |
| Loan loss allowance to noncurrent loans | 77.8000% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 0.4070% | 2,769 |
| Noncurrent loans to loans | 0.9960% | 1,522 |
| Net loans and leases to total assets | 40.5423% | 4,716 |
| Net loans and leases to deposits | 44.9034% | 4,808 |
| Net loans and leases to core deposits | 46.5736% | 4,823 |
| Total domestic deposits to total assets | 90.2879% | 240 |
| Equity capital to assets | 8.9237% | 4,720 |
| Core capital (leverage) ratio | 8.2290% | 4,964 |
| Tier 1 risk-based capital ratio | 12.1510% | 4,273 |
| Total risk-based capital ratio | 12.6155% | 4,578 |
| Memoranda: | ||
| Average total assets | $346,633,200 | 1,925 |
| Average earning assets | $311,414,800 | 1,961 |
| Average equity | $30,175,400 | 2,384 |
| Average total loans | $134,610,800 | 2,780 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4019% | 3,350 |
| Cost of funding earning assets | 1.2776% | 843 |
| Net interest margin | 3.1243% | 4,437 |
| Noninterest income to average assets | 0.4635% | 2,939 |
| Noninterest expense to average assets | 2.6389% | 3,042 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6328% | 4,206 |
| Return on assets (ROA) | 0.8712% | 3,530 |
| Pretax return on assets | 0.8606% | 3,976 |
| Return on Equity (ROE) | 10.0756% | 2,396 |
| Retained earnings to average equity (ytd only) | 4.9271% | 2,927 |
| Net charge-offs to loans | 0.1643% | 1,028 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 9.8882% | 2,541 |
| Efficiency ratio | 80.9204% | 840 |
| Assets per employee ($millions) | 9.1644% | 454 |
| Cash dividends to net income (ytd only)* | 51.0991% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8730% | 4,148 |
| Loan loss allowance to noncurrent loans | 110.7312% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 0.2802% | 3,434 |
| Noncurrent loans to loans | 0.7884% | 2,001 |
| Net loans and leases to total assets | 35.2346% | 4,962 |
| Net loans and leases to deposits | 40.6493% | 4,980 |
| Net loans and leases to core deposits | 41.9560% | 4,995 |
| Total domestic deposits to total assets | 86.6793% | 1,691 |
| Equity capital to assets | 8.7236% | 4,912 |
| Core capital (leverage) ratio | 8.1084% | 5,091 |
| Tier 1 risk-based capital ratio | 12.3460% | 4,232 |
| Total risk-based capital ratio | 12.8440% | 4,522 |
| Memoranda: | ||
| Average total assets | $341,144,000 | 1,954 |
| Average earning assets | $305,468,250 | 1,997 |
| Average equity | $29,496,250 | 2,436 |
| Average total loans | $130,613,000 | 2,848 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4292% | 3,249 |
| Cost of funding earning assets | 1.2624% | 838 |
| Net interest margin | 3.1669% | 4,423 |
| Noninterest income to average assets | 0.2464% | 4,278 |
| Noninterest expense to average assets | 2.6880% | 2,946 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4848% | 4,562 |
| Return on assets (ROA) | 0.6171% | 4,301 |
| Pretax return on assets | 0.5158% | 4,679 |
| Return on Equity (ROE) | 7.1614% | 3,616 |
| Retained earnings to average equity (ytd only) | 1.8168% | 4,170 |
| Net charge-offs to loans | -0.0031% | 4,032 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5148% | 462 |
| Assets per employee ($millions) | 8.7890% | 511 |
| Cash dividends to net income (ytd only)* | 74.6313% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9824% | 3,729 |
| Loan loss allowance to noncurrent loans | 72.1107% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 0.5242% | 2,462 |
| Noncurrent loans to loans | 1.3624% | 1,138 |
| Net loans and leases to total assets | 38.1021% | 4,914 |
| Net loans and leases to deposits | 42.0708% | 4,995 |
| Net loans and leases to core deposits | 45.6932% | 4,967 |
| Total domestic deposits to total assets | 90.5666% | 183 |
| Equity capital to assets | 8.8586% | 4,874 |
| Core capital (leverage) ratio | 8.4004% | 5,011 |
| Tier 1 risk-based capital ratio | 12.3338% | 4,226 |
| Total risk-based capital ratio | 12.9177% | 4,498 |
| Memoranda: | ||
| Average total assets | $329,612,330 | 2,003 |
| Average earning assets | $294,045,670 | 2,079 |
| Average equity | $28,402,330 | 2,491 |
| Average total loans | $129,632,000 | 2,873 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4976% | 2,875 |
| Cost of funding earning assets | 1.2341% | 811 |
| Net interest margin | 3.2635% | 4,246 |
| Noninterest income to average assets | 0.1858% | 4,638 |
| Noninterest expense to average assets | 2.8697% | 2,359 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3201% | 4,871 |
| Return on assets (ROA) | 0.5938% | 4,297 |
| Pretax return on assets | 0.4745% | 4,739 |
| Return on Equity (ROE) | 6.9991% | 3,685 |
| Retained earnings to average equity (ytd only) | 1.3761% | 4,234 |
| Net charge-offs to loans | -0.0032% | 3,930 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4587% | 293 |
| Assets per employee ($millions) | 8.2279% | 618 |
| Cash dividends to net income (ytd only)* | 80.3383% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0231% | 3,568 |
| Loan loss allowance to noncurrent loans | 114.9784% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 0.5822% | 2,324 |
| Noncurrent loans to loans | 0.8899% | 1,874 |
| Net loans and leases to total assets | 39.0346% | 4,918 |
| Net loans and leases to deposits | 42.9513% | 5,011 |
| Net loans and leases to core deposits | 48.5430% | 4,926 |
| Total domestic deposits to total assets | 90.8810% | 196 |
| Equity capital to assets | 8.5872% | 4,933 |
| Core capital (leverage) ratio | 8.8949% | 4,725 |
| Tier 1 risk-based capital ratio | 12.8264% | 3,966 |
| Total risk-based capital ratio | 13.4368% | 4,239 |
| Memoranda: | ||
| Average total assets | $318,639,500 | 2,068 |
| Average earning assets | $281,664,000 | 2,168 |
| Average equity | $27,032,000 | 2,568 |
| Average total loans | $126,808,000 | 2,939 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2377% | 3,323 |
| Cost of funding earning assets | 0.8284% | 1,406 |
| Net interest margin | 3.4094% | 3,976 |
| Noninterest income to average assets | 0.3864% | 3,519 |
| Noninterest expense to average assets | 2.7516% | 2,853 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7368% | 4,014 |
| Return on assets (ROA) | 0.8698% | 3,532 |
| Pretax return on assets | 0.8114% | 4,141 |
| Return on Equity (ROE) | 10.2188% | 2,435 |
| Retained earnings to average equity (ytd only) | 5.0325% | 2,749 |
| Net charge-offs to loans | -0.0172% | 4,652 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2212% | 941 |
| Assets per employee ($millions) | 7.7041% | 736 |
| Cash dividends to net income (ytd only)* | 50.7526% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0717% | 3,260 |
| Loan loss allowance to noncurrent loans | 113.9056% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 0.6250% | 2,171 |
| Noncurrent loans to loans | 0.9409% | 1,711 |
| Net loans and leases to total assets | 39.7491% | 4,956 |
| Net loans and leases to deposits | 47.6725% | 4,939 |
| Net loans and leases to core deposits | 49.3531% | 4,959 |
| Total domestic deposits to total assets | 83.3796% | 3,201 |
| Equity capital to assets | 8.3728% | 5,006 |
| Core capital (leverage) ratio | 9.1805% | 4,479 |
| Tier 1 risk-based capital ratio | 13.3801% | 3,620 |
| Total risk-based capital ratio | 14.0185% | 3,863 |
| Memoranda: | ||
| Average total assets | $297,896,600 | 2,176 |
| Average earning assets | $265,944,200 | 2,220 |
| Average equity | $25,355,200 | 2,619 |
| Average total loans | $116,308,200 | 3,041 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1838% | 3,372 |
| Cost of funding earning assets | 0.7734% | 1,457 |
| Net interest margin | 3.4103% | 3,977 |
| Noninterest income to average assets | 0.3449% | 3,840 |
| Noninterest expense to average assets | 2.7304% | 2,876 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7196% | 4,168 |
| Return on assets (ROA) | 0.8984% | 3,542 |
| Pretax return on assets | 0.8429% | 4,186 |
| Return on Equity (ROE) | 10.5107% | 2,388 |
| Retained earnings to average equity (ytd only) | 4.4948% | 3,501 |
| Net charge-offs to loans | -0.0151% | 4,527 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4362% | 907 |
| Assets per employee ($millions) | 7.3042% | 838 |
| Cash dividends to net income (ytd only)* | 57.2362% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1490% | 2,910 |
| Loan loss allowance to noncurrent loans | 111.4865% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 0.7222% | 2,052 |
| Noncurrent loans to loans | 1.0306% | 1,663 |
| Net loans and leases to total assets | 38.8694% | 5,053 |
| Net loans and leases to deposits | 46.2592% | 5,047 |
| Net loans and leases to core deposits | 48.1205% | 5,063 |
| Total domestic deposits to total assets | 84.0253% | 2,934 |
| Equity capital to assets | 8.1857% | 5,094 |
| Core capital (leverage) ratio | 9.2249% | 4,489 |
| Tier 1 risk-based capital ratio | 13.9164% | 3,414 |
| Total risk-based capital ratio | 14.5871% | 3,635 |
| Memoranda: | ||
| Average total assets | $295,330,000 | 2,194 |
| Average earning assets | $264,092,250 | 2,243 |
| Average equity | $25,243,500 | 2,640 |
| Average total loans | $114,430,500 | 3,093 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0081% | 3,762 |
| Cost of funding earning assets | 0.7242% | 1,500 |
| Net interest margin | 3.2839% | 4,295 |
| Noninterest income to average assets | 0.2942% | 4,212 |
| Noninterest expense to average assets | 2.6540% | 3,152 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6465% | 4,356 |
| Return on assets (ROA) | 0.8948% | 3,486 |
| Pretax return on assets | 0.8354% | 4,149 |
| Return on Equity (ROE) | 10.3247% | 2,412 |
| Retained earnings to average equity (ytd only) | 4.4149% | 3,393 |
| Net charge-offs to loans | -0.0193% | 4,550 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8863% | 845 |
| Assets per employee ($millions) | 8.0270% | 622 |
| Cash dividends to net income (ytd only)* | 57.2398% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1329% | 3,076 |
| Loan loss allowance to noncurrent loans | 109.4684% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 0.7172% | 2,085 |
| Noncurrent loans to loans | 1.0349% | 1,701 |
| Net loans and leases to total assets | 38.7281% | 5,103 |
| Net loans and leases to deposits | 46.1367% | 5,095 |
| Net loans and leases to core deposits | 47.9091% | 5,101 |
| Total domestic deposits to total assets | 83.9420% | 3,089 |
| Equity capital to assets | 8.4977% | 4,940 |
| Core capital (leverage) ratio | 9.2053% | 4,457 |
| Tier 1 risk-based capital ratio | 13.8439% | 3,438 |
| Total risk-based capital ratio | 14.5170% | 3,678 |
| Memoranda: | ||
| Average total assets | $296,384,000 | 2,195 |
| Average earning assets | $265,963,330 | 2,242 |
| Average equity | $25,686,000 | 2,613 |
| Average total loans | $114,279,330 | 3,103 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9521% | 3,778 |
| Cost of funding earning assets | 0.6839% | 1,529 |
| Net interest margin | 3.2682% | 4,266 |
| Noninterest income to average assets | 0.3364% | 3,910 |
| Noninterest expense to average assets | 2.5872% | 3,370 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6841% | 4,158 |
| Return on assets (ROA) | 1.1713% | 2,139 |
| Pretax return on assets | 1.1902% | 2,798 |
| Return on Equity (ROE) | 13.3848% | 1,164 |
| Retained earnings to average equity (ytd only) | 7.5338% | 2,031 |
| Net charge-offs to loans | -0.0353% | 4,816 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8715% | 1,270 |
| Assets per employee ($millions) | 8.5789% | 512 |
| Cash dividends to net income (ytd only)* | 43.7140% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1840% | 2,906 |
| Loan loss allowance to noncurrent loans | 108.0394% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 0.9586% | 1,652 |
| Noncurrent loans to loans | 1.0959% | 1,669 |
| Net loans and leases to total assets | 37.6839% | 5,148 |
| Net loans and leases to deposits | 45.5388% | 5,114 |
| Net loans and leases to core deposits | 46.9386% | 5,124 |
| Total domestic deposits to total assets | 82.7512% | 3,745 |
| Equity capital to assets | 8.5733% | 4,922 |
| Core capital (leverage) ratio | 9.1433% | 4,517 |
| Tier 1 risk-based capital ratio | 14.0596% | 3,351 |
| Total risk-based capital ratio | 14.7448% | 3,568 |
| Memoranda: | ||
| Average total assets | $296,076,500 | 2,212 |
| Average earning assets | $266,694,500 | 2,254 |
| Average equity | $25,910,000 | 2,622 |
| Average total loans | $113,249,000 | 3,139 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8906% | 3,759 |
| Cost of funding earning assets | 0.5535% | 1,925 |
| Net interest margin | 3.3371% | 4,046 |
| Noninterest income to average assets | 0.1408% | 5,247 |
| Noninterest expense to average assets | 2.3340% | 4,247 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8649% | 2,891 |
| Return on assets (ROA) | 0.9197% | 2,628 |
| Pretax return on assets | 0.9281% | 3,819 |
| Return on Equity (ROE) | 10.2548% | 1,784 |
| Retained earnings to average equity (ytd only) | 4.5853% | 2,402 |
| Net charge-offs to loans | 0.0535% | 2,736 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 42.4407% | 1,206 |
| Efficiency ratio | 72.7856% | 2,103 |
| Assets per employee ($millions) | 9.3897% | 393 |
| Cash dividends to net income (ytd only)* | 55.2861% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1339% | 3,155 |
| Loan loss allowance to noncurrent loans | 105.1488% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 1.0018% | 1,537 |
| Noncurrent loans to loans | 1.0784% | 1,648 |
| Net loans and leases to total assets | 37.9260% | 5,226 |
| Net loans and leases to deposits | 46.1912% | 5,186 |
| Net loans and leases to core deposits | 47.7359% | 5,196 |
| Total domestic deposits to total assets | 82.1066% | 3,843 |
| Equity capital to assets | 8.9237% | 4,796 |
| Core capital (leverage) ratio | 9.1830% | 4,417 |
| Tier 1 risk-based capital ratio | 13.9593% | 3,387 |
| Total risk-based capital ratio | 14.6468% | 3,597 |
| Memoranda: | ||
| Average total assets | $286,926,600 | 2,245 |
| Average earning assets | $263,608,200 | 2,258 |
| Average equity | $25,734,200 | 2,626 |
| Average total loans | $110,364,800 | 3,174 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8149% | 3,955 |
| Cost of funding earning assets | 0.5346% | 1,989 |
| Net interest margin | 3.2803% | 4,231 |
| Noninterest income to average assets | 0.1448% | 5,284 |
| Noninterest expense to average assets | 2.4363% | 3,927 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8196% | 3,439 |
| Return on assets (ROA) | 0.9992% | 2,612 |
| Pretax return on assets | 0.9061% | 4,020 |
| Return on Equity (ROE) | 11.1263% | 1,645 |
| Retained earnings to average equity (ytd only) | 5.4715% | 2,556 |
| Net charge-offs to loans | 0.1845% | 1,140 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 10.2317% | 2,618 |
| Efficiency ratio | 77.0294% | 1,456 |
| Assets per employee ($millions) | 9.3502% | 382 |
| Cash dividends to net income (ytd only)* | 50.8234% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0797% | 3,602 |
| Loan loss allowance to noncurrent loans | 656.7568% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.7069% | 2,387 |
| Noncurrent loans to loans | 0.1644% | 4,407 |
| Net loans and leases to total assets | 38.4048% | 5,253 |
| Net loans and leases to deposits | 47.1687% | 5,219 |
| Net loans and leases to core deposits | 48.8145% | 5,239 |
| Total domestic deposits to total assets | 81.4201% | 3,940 |
| Equity capital to assets | 9.3267% | 4,625 |
| Core capital (leverage) ratio | 9.2596% | 4,455 |
| Tier 1 risk-based capital ratio | 14.3358% | 3,272 |
| Total risk-based capital ratio | 14.9996% | 3,489 |
| Memoranda: | ||
| Average total assets | $283,541,000 | 2,280 |
| Average earning assets | $260,863,000 | 2,288 |
| Average equity | $25,464,500 | 2,666 |
| Average total loans | $109,140,250 | 3,222 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8034% | 3,880 |
| Cost of funding earning assets | 0.5100% | 2,090 |
| Net interest margin | 3.2934% | 4,130 |
| Noninterest income to average assets | 0.1393% | 5,355 |
| Noninterest expense to average assets | 2.4581% | 3,899 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7853% | 3,459 |
| Return on assets (ROA) | 1.0567% | 2,217 |
| Pretax return on assets | 0.9814% | 3,632 |
| Return on Equity (ROE) | 11.9240% | 1,325 |
| Retained earnings to average equity (ytd only) | 6.2948% | 1,964 |
| Net charge-offs to loans | 0.2833% | 718 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 6.5294% | 2,699 |
| Efficiency ratio | 77.5908% | 1,518 |
| Assets per employee ($millions) | 9.4846% | 350 |
| Cash dividends to net income (ytd only)* | 47.2091% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0640% | 3,761 |
| Loan loss allowance to noncurrent loans | 315.0649% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.7904% | 2,231 |
| Noncurrent loans to loans | 0.3377% | 3,835 |
| Net loans and leases to total assets | 39.6405% | 5,237 |
| Net loans and leases to deposits | 48.1854% | 5,209 |
| Net loans and leases to core deposits | 49.8760% | 5,229 |
| Total domestic deposits to total assets | 82.2666% | 3,815 |
| Equity capital to assets | 9.4473% | 4,460 |
| Core capital (leverage) ratio | 8.9108% | 4,829 |
| Tier 1 risk-based capital ratio | 13.7088% | 3,580 |
| Total risk-based capital ratio | 14.3490% | 3,853 |
| Memoranda: | ||
| Average total assets | $281,435,670 | 2,302 |
| Average earning assets | $258,820,670 | 2,309 |
| Average equity | $24,941,330 | 2,711 |
| Average total loans | $108,009,000 | 3,250 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7160% | 4,065 |
| Cost of funding earning assets | 0.4558% | 2,471 |
| Net interest margin | 3.2603% | 4,133 |
| Noninterest income to average assets | 0.1301% | 5,466 |
| Noninterest expense to average assets | 2.2524% | 4,529 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9018% | 2,753 |
| Return on assets (ROA) | 1.1733% | 1,618 |
| Pretax return on assets | 1.1448% | 2,798 |
| Return on Equity (ROE) | 13.6996% | 861 |
| Retained earnings to average equity (ytd only) | 7.9428% | 1,485 |
| Net charge-offs to loans | -0.0076% | 4,315 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0622% | 2,566 |
| Assets per employee ($millions) | 10.3251% | 272 |
| Cash dividends to net income (ytd only)* | 42.0219% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2461% | 2,852 |
| Loan loss allowance to noncurrent loans | 182.8877% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 0.9035% | 2,050 |
| Noncurrent loans to loans | 0.6813% | 2,804 |
| Net loans and leases to total assets | 37.5010% | 5,348 |
| Net loans and leases to deposits | 47.2955% | 5,251 |
| Net loans and leases to core deposits | 48.9867% | 5,262 |
| Total domestic deposits to total assets | 79.2907% | 4,771 |
| Equity capital to assets | 8.5060% | 5,239 |
| Core capital (leverage) ratio | 9.1797% | 4,509 |
| Tier 1 risk-based capital ratio | 13.4469% | 3,803 |
| Total risk-based capital ratio | 14.1636% | 4,031 |
| Memoranda: | ||
| Average total assets | $279,885,000 | 2,327 |
| Average earning assets | $257,155,500 | 2,332 |
| Average equity | $23,971,500 | 2,795 |
| Average total loans | $105,011,000 | 3,319 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7584% | 4,028 |
| Cost of funding earning assets | 0.4099% | 2,906 |
| Net interest margin | 3.3484% | 4,000 |
| Noninterest income to average assets | 0.1668% | 5,382 |
| Noninterest expense to average assets | 2.2951% | 4,572 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9135% | 2,755 |
| Return on assets (ROA) | 1.2749% | 1,354 |
| Pretax return on assets | 1.3414% | 2,135 |
| Return on Equity (ROE) | 12.7492% | 1,058 |
| Retained earnings to average equity (ytd only) | 5.5625% | 1,976 |
| Net charge-offs to loans | 0.3197% | 859 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 8.2143% | 2,901 |
| Efficiency ratio | 70.4865% | 2,830 |
| Assets per employee ($millions) | 9.6667% | 340 |
| Cash dividends to net income (ytd only)* | 56.3693% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3628% | 2,253 |
| Loan loss allowance to noncurrent loans | 229.1946% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 1.0906% | 1,719 |
| Noncurrent loans to loans | 0.5946% | 3,070 |
| Net loans and leases to total assets | 36.5289% | 5,471 |
| Net loans and leases to deposits | 42.1087% | 5,489 |
| Net loans and leases to core deposits | 43.5235% | 5,503 |
| Total domestic deposits to total assets | 86.7491% | 2,263 |
| Equity capital to assets | 8.6275% | 5,168 |
| Core capital (leverage) ratio | 8.9494% | 4,795 |
| Tier 1 risk-based capital ratio | 14.1540% | 3,378 |
| Total risk-based capital ratio | 14.9215% | 3,570 |
| Memoranda: | ||
| Average total assets | $275,239,000 | 2,317 |
| Average earning assets | $253,940,800 | 2,333 |
| Average equity | $27,523,400 | 2,535 |
| Average total loans | $100,710,000 | 3,368 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7217% | 4,176 |
| Cost of funding earning assets | 0.4068% | 2,961 |
| Net interest margin | 3.3149% | 4,139 |
| Noninterest income to average assets | 0.1635% | 5,449 |
| Noninterest expense to average assets | 2.2432% | 4,664 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8899% | 2,959 |
| Return on assets (ROA) | 1.3397% | 1,267 |
| Pretax return on assets | 1.4863% | 1,753 |
| Return on Equity (ROE) | 12.9613% | 1,070 |
| Retained earnings to average equity (ytd only) | 7.6545% | 1,335 |
| Net charge-offs to loans | 0.3412% | 673 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 7.9264% | 2,825 |
| Efficiency ratio | 69.4548% | 2,977 |
| Assets per employee ($millions) | 10.5477% | 248 |
| Cash dividends to net income (ytd only)* | 40.9435% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4335% | 2,044 |
| Loan loss allowance to noncurrent loans | 239.5310% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 1.0903% | 1,876 |
| Noncurrent loans to loans | 0.5985% | 3,218 |
| Net loans and leases to total assets | 34.5263% | 5,602 |
| Net loans and leases to deposits | 41.5757% | 5,595 |
| Net loans and leases to core deposits | 42.9582% | 5,611 |
| Total domestic deposits to total assets | 83.0443% | 3,576 |
| Equity capital to assets | 10.3789% | 3,709 |
| Core capital (leverage) ratio | 9.1875% | 4,612 |
| Tier 1 risk-based capital ratio | 14.6519% | 3,213 |
| Total risk-based capital ratio | 15.4801% | 3,365 |
| Memoranda: | ||
| Average total assets | $276,381,750 | 2,315 |
| Average earning assets | $255,644,750 | 2,323 |
| Average equity | $28,566,250 | 2,491 |
| Average total loans | $100,828,000 | 3,378 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7563% | 4,108 |
| Cost of funding earning assets | 0.4152% | 2,884 |
| Net interest margin | 3.3412% | 4,087 |
| Noninterest income to average assets | 0.1579% | 5,528 |
| Noninterest expense to average assets | 2.2582% | 4,716 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8958% | 2,883 |
| Return on assets (ROA) | 1.2881% | 1,422 |
| Pretax return on assets | 1.4409% | 1,875 |
| Return on Equity (ROE) | 12.4807% | 1,163 |
| Retained earnings to average equity (ytd only) | 6.8424% | 1,695 |
| Net charge-offs to loans | 0.5119% | 424 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 5.2819% | 2,874 |
| Efficiency ratio | 69.3067% | 3,097 |
| Assets per employee ($millions) | 10.9535% | 208 |
| Cash dividends to net income (ytd only)* | 45.1759% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3753% | 2,411 |
| Loan loss allowance to noncurrent loans | 130.0273% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 1.3568% | 1,468 |
| Noncurrent loans to loans | 1.0577% | 2,174 |
| Net loans and leases to total assets | 35.9830% | 5,609 |
| Net loans and leases to deposits | 43.5547% | 5,581 |
| Net loans and leases to core deposits | 45.6258% | 5,573 |
| Total domestic deposits to total assets | 82.6156% | 3,789 |
| Equity capital to assets | 10.6457% | 3,477 |
| Core capital (leverage) ratio | 9.0547% | 4,767 |
| Tier 1 risk-based capital ratio | 14.0664% | 3,564 |
| Total risk-based capital ratio | 14.8828% | 3,734 |
| Memoranda: | ||
| Average total assets | $273,579,330 | 2,346 |
| Average earning assets | $253,864,670 | 2,357 |
| Average equity | $28,235,670 | 2,517 |
| Average total loans | $101,185,000 | 3,385 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7940% | 3,962 |
| Cost of funding earning assets | 0.4326% | 2,746 |
| Net interest margin | 3.3614% | 4,002 |
| Noninterest income to average assets | 0.1149% | 5,768 |
| Noninterest expense to average assets | 2.2540% | 4,774 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9081% | 2,716 |
| Return on assets (ROA) | 1.1852% | 1,702 |
| Pretax return on assets | 1.2971% | 2,313 |
| Return on Equity (ROE) | 11.6788% | 1,406 |
| Retained earnings to average equity (ytd only) | 6.7219% | 2,018 |
| Net charge-offs to loans | 1.0418% | 179 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 2.5577% | 2,666 |
| Efficiency ratio | 69.4253% | 3,225 |
| Assets per employee ($millions) | 9.3998% | 346 |
| Cash dividends to net income (ytd only)* | 42.4433% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4332% | 2,275 |
| Loan loss allowance to noncurrent loans | 244.1026% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 1.2671% | 1,709 |
| Noncurrent loans to loans | 0.5871% | 3,429 |
| Net loans and leases to total assets | 36.0267% | 5,641 |
| Net loans and leases to deposits | 41.8992% | 5,655 |
| Net loans and leases to core deposits | 43.8953% | 5,657 |
| Total domestic deposits to total assets | 85.9843% | 2,678 |
| Equity capital to assets | 10.0871% | 3,965 |
| Core capital (leverage) ratio | 9.2444% | 4,553 |
| Tier 1 risk-based capital ratio | 13.9383% | 3,731 |
| Total risk-based capital ratio | 14.7638% | 3,896 |
| Memoranda: | ||
| Average total assets | $267,974,000 | 2,406 |
| Average earning assets | $249,656,500 | 2,387 |
| Average equity | $27,194,500 | 2,585 |
| Average total loans | $99,825,000 | 3,424 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5655% | 4,762 |
| Cost of funding earning assets | 0.4502% | 2,626 |
| Net interest margin | 3.1153% | 4,866 |
| Noninterest income to average assets | 0.1142% | 5,831 |
| Noninterest expense to average assets | 2.0480% | 5,360 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8903% | 2,927 |
| Return on assets (ROA) | 1.1160% | 1,917 |
| Pretax return on assets | 1.2560% | 2,449 |
| Return on Equity (ROE) | 10.6159% | 1,750 |
| Retained earnings to average equity (ytd only) | 6.6652% | 1,463 |
| Net charge-offs to loans | 0.3591% | 821 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 7.3544% | 3,092 |
| Efficiency ratio | 67.1372% | 3,722 |
| Assets per employee ($millions) | 9.4055% | 330 |
| Cash dividends to net income (ytd only)* | 37.2148% | 2,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6877% | 1,379 |
| Loan loss allowance to noncurrent loans | 153.3152% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 1.3810% | 1,515 |
| Noncurrent loans to loans | 1.1008% | 2,136 |
| Net loans and leases to total assets | 37.3366% | 5,651 |
| Net loans and leases to deposits | 42.0893% | 5,707 |
| Net loans and leases to core deposits | 44.0962% | 5,710 |
| Total domestic deposits to total assets | 88.7079% | 1,280 |
| Equity capital to assets | 10.2114% | 3,733 |
| Core capital (leverage) ratio | 9.0165% | 4,865 |
| Tier 1 risk-based capital ratio | 14.1207% | 3,652 |
| Total risk-based capital ratio | 15.1307% | 3,710 |
| Memoranda: | ||
| Average total assets | $267,036,000 | 2,367 |
| Average earning assets | $251,693,000 | 2,330 |
| Average equity | $28,071,000 | 2,452 |
| Average total loans | $101,356,200 | 3,361 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6121% | 4,697 |
| Cost of funding earning assets | 0.4450% | 2,731 |
| Net interest margin | 3.1670% | 4,783 |
| Noninterest income to average assets | 0.0761% | 6,025 |
| Noninterest expense to average assets | 2.0281% | 5,427 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8955% | 2,984 |
| Return on assets (ROA) | 1.1773% | 1,798 |
| Pretax return on assets | 1.3569% | 2,190 |
| Return on Equity (ROE) | 11.1211% | 1,660 |
| Retained earnings to average equity (ytd only) | 7.0929% | 1,644 |
| Net charge-offs to loans | -0.0026% | 4,734 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2549% | 3,849 |
| Assets per employee ($millions) | 10.0487% | 266 |
| Cash dividends to net income (ytd only)* | 36.2215% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0395% | 859 |
| Loan loss allowance to noncurrent loans | 125.2439% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 1.6160% | 1,368 |
| Noncurrent loans to loans | 1.6285% | 1,512 |
| Net loans and leases to total assets | 37.7602% | 5,717 |
| Net loans and leases to deposits | 42.3521% | 5,792 |
| Net loans and leases to core deposits | 44.3732% | 5,780 |
| Total domestic deposits to total assets | 89.1578% | 942 |
| Equity capital to assets | 9.7433% | 4,466 |
| Core capital (leverage) ratio | 8.6309% | 5,430 |
| Tier 1 risk-based capital ratio | 13.9620% | 3,868 |
| Total risk-based capital ratio | 15.2123% | 3,808 |
| Memoranda: | ||
| Average total assets | $267,956,750 | 2,376 |
| Average earning assets | $252,555,500 | 2,340 |
| Average equity | $28,365,750 | 2,445 |
| Average total loans | $101,691,500 | 3,391 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6204% | 4,664 |
| Cost of funding earning assets | 0.4332% | 2,911 |
| Net interest margin | 3.1872% | 4,700 |
| Noninterest income to average assets | 0.0666% | 6,123 |
| Noninterest expense to average assets | 2.0615% | 5,414 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8758% | 3,011 |
| Return on assets (ROA) | 1.1444% | 1,873 |
| Pretax return on assets | 1.3235% | 2,271 |
| Return on Equity (ROE) | 10.5401% | 1,835 |
| Retained earnings to average equity (ytd only) | 6.4086% | 1,994 |
| Net charge-offs to loans | -0.0020% | 4,589 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0923% | 3,815 |
| Assets per employee ($millions) | 10.4415% | 233 |
| Cash dividends to net income (ytd only)* | 39.1979% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0676% | 897 |
| Loan loss allowance to noncurrent loans | 350.9402% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 1.2132% | 2,086 |
| Noncurrent loans to loans | 0.5891% | 3,694 |
| Net loans and leases to total assets | 37.2524% | 5,768 |
| Net loans and leases to deposits | 42.8897% | 5,807 |
| Net loans and leases to core deposits | 44.9396% | 5,806 |
| Total domestic deposits to total assets | 86.8563% | 2,242 |
| Equity capital to assets | 9.1653% | 5,063 |
| Core capital (leverage) ratio | 8.3408% | 5,682 |
| Tier 1 risk-based capital ratio | 13.4427% | 4,250 |
| Total risk-based capital ratio | 14.6904% | 4,184 |
| Memoranda: | ||
| Average total assets | $270,186,670 | 2,369 |
| Average earning assets | $254,832,330 | 2,333 |
| Average equity | $29,335,670 | 2,391 |
| Average total loans | $102,019,000 | 3,400 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6345% | 4,579 |
| Cost of funding earning assets | 0.4252% | 3,013 |
| Net interest margin | 3.2093% | 4,577 |
| Noninterest income to average assets | 0.0233% | 6,286 |
| Noninterest expense to average assets | 2.1983% | 5,149 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6475% | 4,060 |
| Return on assets (ROA) | 1.1210% | 1,902 |
| Pretax return on assets | 1.4427% | 1,743 |
| Return on Equity (ROE) | 9.6127% | 2,175 |
| Retained earnings to average equity (ytd only) | 5.8550% | 2,577 |
| Net charge-offs to loans | -0.0039% | 4,444 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4568% | 3,095 |
| Assets per employee ($millions) | 11.1978% | 187 |
| Cash dividends to net income (ytd only)* | 39.0909% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9551% | 1,172 |
| Loan loss allowance to noncurrent loans | 350.9402% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 1.1313% | 2,374 |
| Noncurrent loans to loans | 0.5571% | 3,915 |
| Net loans and leases to total assets | 36.7758% | 5,789 |
| Net loans and leases to deposits | 42.0860% | 5,827 |
| Net loans and leases to core deposits | 43.9404% | 5,844 |
| Total domestic deposits to total assets | 87.3825% | 2,177 |
| Equity capital to assets | 11.5101% | 2,455 |
| Core capital (leverage) ratio | 10.8604% | 2,563 |
| Tier 1 risk-based capital ratio | 16.8740% | 2,529 |
| Total risk-based capital ratio | 18.0661% | 2,509 |
| Memoranda: | ||
| Average total assets | $274,761,000 | 2,351 |
| Average earning assets | $257,751,000 | 2,325 |
| Average equity | $32,041,000 | 2,232 |
| Average total loans | $103,380,500 | 3,392 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0235% | 3,631 |
| Cost of funding earning assets | 0.4644% | 3,029 |
| Net interest margin | 3.5591% | 3,561 |
| Noninterest income to average assets | 0.4608% | 3,777 |
| Noninterest expense to average assets | 2.2003% | 5,356 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.2417% | 1,462 |
| Return on assets (ROA) | 1.3925% | 1,130 |
| Pretax return on assets | 1.7891% | 813 |
| Return on Equity (ROE) | 11.5837% | 1,529 |
| Retained earnings to average equity (ytd only) | 6.4966% | 1,641 |
| Net charge-offs to loans | 0.0229% | 4,382 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 170.7391% | 314 |
| Efficiency ratio | 57.9640% | 5,460 |
| Assets per employee ($millions) | 10.7831% | 198 |
| Cash dividends to net income (ytd only)* | 43.9160% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0166% | 1,083 |
| Loan loss allowance to noncurrent loans | 350.7692% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 1.7427% | 1,523 |
| Noncurrent loans to loans | 0.5749% | 3,946 |
| Net loans and leases to total assets | 36.9854% | 5,899 |
| Net loans and leases to deposits | 46.3576% | 5,779 |
| Net loans and leases to core deposits | 48.7486% | 5,774 |
| Total domestic deposits to total assets | 79.7828% | 5,073 |
| Equity capital to assets | 11.8185% | 2,158 |
| Core capital (leverage) ratio | 11.4612% | 2,002 |
| Tier 1 risk-based capital ratio | 18.0941% | 2,106 |
| Total risk-based capital ratio | 19.3449% | 2,072 |
| Memoranda: | ||
| Average total assets | $246,100,400 | 2,560 |
| Average earning assets | $230,619,800 | 2,514 |
| Average equity | $29,584,600 | 2,297 |
| Average total loans | $100,585,400 | 3,410 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0974% | 3,387 |
| Cost of funding earning assets | 0.4728% | 3,028 |
| Net interest margin | 3.6246% | 3,332 |
| Noninterest income to average assets | 0.3824% | 4,382 |
| Noninterest expense to average assets | 2.2000% | 5,351 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2256% | 1,592 |
| Return on assets (ROA) | 1.4119% | 1,146 |
| Pretax return on assets | 1.8238% | 845 |
| Return on Equity (ROE) | 11.6899% | 1,563 |
| Retained earnings to average equity (ytd only) | 7.0811% | 1,777 |
| Net charge-offs to loans | -0.0239% | 5,664 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1743% | 5,419 |
| Assets per employee ($millions) | 11.0021% | 182 |
| Cash dividends to net income (ytd only)* | 39.4260% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0458% | 1,171 |
| Loan loss allowance to noncurrent loans | 140.7532% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 1.8044% | 1,643 |
| Noncurrent loans to loans | 1.4535% | 2,238 |
| Net loans and leases to total assets | 39.6020% | 5,838 |
| Net loans and leases to deposits | 47.6291% | 5,787 |
| Net loans and leases to core deposits | 50.0760% | 5,787 |
| Total domestic deposits to total assets | 83.1467% | 4,078 |
| Equity capital to assets | 12.1771% | 1,923 |
| Core capital (leverage) ratio | 11.4199% | 2,127 |
| Tier 1 risk-based capital ratio | 18.3441% | 2,107 |
| Total risk-based capital ratio | 19.5952% | 2,070 |
| Memoranda: | ||
| Average total assets | $240,231,250 | 2,627 |
| Average earning assets | $225,308,000 | 2,586 |
| Average equity | $29,015,750 | 2,350 |
| Average total loans | $100,292,750 | 3,443 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1052% | 3,320 |
| Cost of funding earning assets | 0.4791% | 3,034 |
| Net interest margin | 3.6261% | 3,256 |
| Noninterest income to average assets | 0.3780% | 4,425 |
| Noninterest expense to average assets | 2.2114% | 5,385 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2434% | 1,465 |
| Return on assets (ROA) | 1.2434% | 1,528 |
| Pretax return on assets | 1.5732% | 1,325 |
| Return on Equity (ROE) | 10.3250% | 1,999 |
| Retained earnings to average equity (ytd only) | 4.6734% | 3,169 |
| Net charge-offs to loans | -0.0341% | 5,734 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4323% | 5,500 |
| Assets per employee ($millions) | 10.6557% | 199 |
| Cash dividends to net income (ytd only)* | 54.7376% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0744% | 1,230 |
| Loan loss allowance to noncurrent loans | 169.2557% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 1.7606% | 1,843 |
| Noncurrent loans to loans | 1.2256% | 2,781 |
| Net loans and leases to total assets | 40.2951% | 5,792 |
| Net loans and leases to deposits | 48.4856% | 5,746 |
| Net loans and leases to core deposits | 51.0586% | 5,731 |
| Total domestic deposits to total assets | 83.1073% | 4,265 |
| Equity capital to assets | 12.1665% | 1,874 |
| Core capital (leverage) ratio | 11.4918% | 2,004 |
| Tier 1 risk-based capital ratio | 17.8588% | 2,293 |
| Total risk-based capital ratio | 19.1104% | 2,258 |
| Memoranda: | ||
| Average total assets | $235,959,000 | 2,673 |
| Average earning assets | $221,670,330 | 2,628 |
| Average equity | $28,416,330 | 2,383 |
| Average total loans | $99,622,000 | 3,462 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0945% | 3,305 |
| Cost of funding earning assets | 0.4868% | 3,045 |
| Net interest margin | 3.6078% | 3,222 |
| Noninterest income to average assets | 0.3717% | 4,419 |
| Noninterest expense to average assets | 2.2662% | 5,289 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1979% | 1,489 |
| Return on assets (ROA) | 1.1979% | 1,558 |
| Pretax return on assets | 1.5004% | 1,428 |
| Return on Equity (ROE) | 10.0016% | 2,036 |
| Retained earnings to average equity (ytd only) | -0.1299% | 5,579 |
| Net charge-offs to loans | -0.0040% | 4,784 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1652% | 5,384 |
| Assets per employee ($millions) | 10.7104% | 200 |
| Cash dividends to net income (ytd only)* | 101.2987% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0516% | 1,414 |
| Loan loss allowance to noncurrent loans | 147.1297% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 2.4076% | 1,344 |
| Noncurrent loans to loans | 1.3944% | 2,695 |
| Net loans and leases to total assets | 42.0629% | 5,663 |
| Net loans and leases to deposits | 49.7056% | 5,616 |
| Net loans and leases to core deposits | 51.3827% | 5,659 |
| Total domestic deposits to total assets | 84.6241% | 4,034 |
| Equity capital to assets | 11.9370% | 1,910 |
| Core capital (leverage) ratio | 11.4887% | 1,970 |
| Tier 1 risk-based capital ratio | 17.4118% | 2,511 |
| Total risk-based capital ratio | 18.6633% | 2,478 |
| Memoranda: | ||
| Average total assets | $231,397,500 | 2,728 |
| Average earning assets | $217,753,000 | 2,670 |
| Average equity | $27,715,500 | 2,424 |
| Average total loans | $99,009,000 | 3,492 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0755% | 3,831 |
| Cost of funding earning assets | 0.5753% | 2,883 |
| Net interest margin | 3.5003% | 3,912 |
| Noninterest income to average assets | 0.7513% | 2,286 |
| Noninterest expense to average assets | 2.2170% | 5,587 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.3122% | 1,222 |
| Return on assets (ROA) | 1.4688% | 927 |
| Pretax return on assets | 1.9980% | 482 |
| Return on Equity (ROE) | 12.4809% | 1,282 |
| Retained earnings to average equity (ytd only) | 10.9965% | 417 |
| Net charge-offs to loans | -0.0042% | 5,906 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3783% | 6,011 |
| Assets per employee ($millions) | 10.3258% | 211 |
| Cash dividends to net income (ytd only)* | 11.8935% | 3,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1429% | 1,263 |
| Loan loss allowance to noncurrent loans | 147.0588% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 2.4973% | 1,374 |
| Noncurrent loans to loans | 1.4572% | 2,710 |
| Net loans and leases to total assets | 41.7116% | 5,842 |
| Net loans and leases to deposits | 49.3513% | 5,807 |
| Net loans and leases to core deposits | 50.8738% | 5,882 |
| Total domestic deposits to total assets | 84.5198% | 3,956 |
| Equity capital to assets | 12.0194% | 1,790 |
| Core capital (leverage) ratio | 11.7494% | 1,792 |
| Tier 1 risk-based capital ratio | 17.8743% | 2,282 |
| Total risk-based capital ratio | 19.1263% | 2,250 |
| Memoranda: | ||
| Average total assets | $230,127,400 | 2,719 |
| Average earning assets | $213,812,800 | 2,679 |
| Average equity | $27,081,400 | 2,450 |
| Average total loans | $95,228,800 | 3,574 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0392% | 3,981 |
| Cost of funding earning assets | 0.5924% | 2,876 |
| Net interest margin | 3.4468% | 4,095 |
| Noninterest income to average assets | 0.6075% | 3,101 |
| Noninterest expense to average assets | 2.1986% | 5,607 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1877% | 1,673 |
| Return on assets (ROA) | 1.3959% | 1,158 |
| Pretax return on assets | 1.8821% | 733 |
| Return on Equity (ROE) | 11.9241% | 1,494 |
| Retained earnings to average equity (ytd only) | 10.4392% | 703 |
| Net charge-offs to loans | -0.0042% | 5,762 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8659% | 5,708 |
| Assets per employee ($millions) | 10.4813% | 204 |
| Cash dividends to net income (ytd only)* | 12.4533% | 3,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0928% | 1,521 |
| Loan loss allowance to noncurrent loans | 256.0494% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 2.4429% | 1,585 |
| Noncurrent loans to loans | 0.8173% | 4,200 |
| Net loans and leases to total assets | 42.0788% | 5,895 |
| Net loans and leases to deposits | 48.0553% | 5,962 |
| Net loans and leases to core deposits | 50.4957% | 5,988 |
| Total domestic deposits to total assets | 87.5632% | 2,376 |
| Equity capital to assets | 11.5053% | 2,298 |
| Core capital (leverage) ratio | 11.3189% | 2,182 |
| Tier 1 risk-based capital ratio | 17.1346% | 2,653 |
| Total risk-based capital ratio | 18.3863% | 2,616 |
| Memoranda: | ||
| Average total assets | $230,867,500 | 2,725 |
| Average earning assets | $213,799,500 | 2,699 |
| Average equity | $27,025,750 | 2,480 |
| Average total loans | $94,828,500 | 3,602 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0051% | 4,086 |
| Cost of funding earning assets | 0.6093% | 2,856 |
| Net interest margin | 3.3958% | 4,202 |
| Noninterest income to average assets | 0.4503% | 4,159 |
| Noninterest expense to average assets | 2.1744% | 5,691 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0729% | 2,025 |
| Return on assets (ROA) | 1.3769% | 1,214 |
| Pretax return on assets | 1.8375% | 849 |
| Return on Equity (ROE) | 11.6950% | 1,582 |
| Retained earnings to average equity (ytd only) | 10.2166% | 800 |
| Net charge-offs to loans | -0.0043% | 5,610 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2881% | 5,442 |
| Assets per employee ($millions) | 10.1984% | 210 |
| Cash dividends to net income (ytd only)* | 12.6415% | 3,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1883% | 1,446 |
| Loan loss allowance to noncurrent loans | 255.9259% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 2.7157% | 1,535 |
| Noncurrent loans to loans | 0.8551% | 4,211 |
| Net loans and leases to total assets | 41.2974% | 5,950 |
| Net loans and leases to deposits | 48.7530% | 5,934 |
| Net loans and leases to core deposits | 50.5141% | 5,996 |
| Total domestic deposits to total assets | 84.7075% | 4,033 |
| Equity capital to assets | 11.7443% | 2,091 |
| Core capital (leverage) ratio | 11.1918% | 2,179 |
| Tier 1 risk-based capital ratio | 17.2340% | 2,619 |
| Total risk-based capital ratio | 18.4861% | 2,592 |
| Memoranda: | ||
| Average total assets | $230,960,330 | 2,730 |
| Average earning assets | $214,676,670 | 2,696 |
| Average equity | $27,191,000 | 2,470 |
| Average total loans | $93,403,670 | 3,647 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9613% | 4,259 |
| Cost of funding earning assets | 0.6310% | 2,840 |
| Net interest margin | 3.3303% | 4,398 |
| Noninterest income to average assets | 0.4098% | 4,392 |
| Noninterest expense to average assets | 2.1464% | 5,816 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0170% | 2,156 |
| Return on assets (ROA) | 1.5692% | 811 |
| Pretax return on assets | 2.1378% | 459 |
| Return on Equity (ROE) | 13.3133% | 1,097 |
| Retained earnings to average equity (ytd only) | 11.8501% | 724 |
| Net charge-offs to loans | -0.0043% | 5,239 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8422% | 5,470 |
| Assets per employee ($millions) | 9.9367% | 233 |
| Cash dividends to net income (ytd only)* | 10.9902% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2946% | 1,418 |
| Loan loss allowance to noncurrent loans | 235.9909% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 2.6957% | 1,681 |
| Noncurrent loans to loans | 0.9723% | 4,187 |
| Net loans and leases to total assets | 38.6038% | 6,110 |
| Net loans and leases to deposits | 46.0391% | 6,052 |
| Net loans and leases to core deposits | 48.9063% | 6,040 |
| Total domestic deposits to total assets | 83.8500% | 4,538 |
| Equity capital to assets | 12.1818% | 1,919 |
| Core capital (leverage) ratio | 10.5333% | 2,731 |
| Tier 1 risk-based capital ratio | 17.0050% | 2,747 |
| Total risk-based capital ratio | 18.2575% | 2,720 |
| Memoranda: | ||
| Average total assets | $234,258,000 | 2,735 |
| Average earning assets | $219,320,500 | 2,671 |
| Average equity | $27,611,500 | 2,477 |
| Average total loans | $92,740,500 | 3,682 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0871% | 4,992 |
| Cost of funding earning assets | 0.8002% | 2,667 |
| Net interest margin | 3.2870% | 5,293 |
| Noninterest income to average assets | 0.1799% | 6,107 |
| Noninterest expense to average assets | 2.1120% | 6,099 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.0725% | 2,046 |
| Return on assets (ROA) | 1.4839% | 1,050 |
| Pretax return on assets | 1.5451% | 1,541 |
| Return on Equity (ROE) | 14.2945% | 936 |
| Retained earnings to average equity (ytd only) | 14.2945% | 190 |
| Net charge-offs to loans | 0.5373% | 2,121 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 5.6780% | 2,979 |
| Efficiency ratio | 65.4156% | 4,624 |
| Assets per employee ($millions) | 9.9988% | 236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1758% | 1,594 |
| Loan loss allowance to noncurrent loans | 223.6501% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 2.5874% | 1,879 |
| Noncurrent loans to loans | 0.9729% | 4,250 |
| Net loans and leases to total assets | 38.8009% | 6,246 |
| Net loans and leases to deposits | 47.3392% | 6,152 |
| Net loans and leases to core deposits | 50.2057% | 6,138 |
| Total domestic deposits to total assets | 81.9637% | 5,114 |
| Equity capital to assets | 11.4105% | 2,526 |
| Core capital (leverage) ratio | 9.8941% | 3,555 |
| Tier 1 risk-based capital ratio | 15.7873% | 3,272 |
| Total risk-based capital ratio | 17.0392% | 3,228 |
| Memoranda: | ||
| Average total assets | $238,491,200 | 2,649 |
| Average earning assets | $221,206,000 | 2,602 |
| Average equity | $24,757,800 | 2,682 |
| Average total loans | $87,286,600 | 3,817 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0854% | 5,244 |
| Cost of funding earning assets | 0.8039% | 2,911 |
| Net interest margin | 3.2815% | 5,448 |
| Noninterest income to average assets | 0.3757% | 4,818 |
| Noninterest expense to average assets | 2.0504% | 6,267 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.3584% | 1,310 |
| Return on assets (ROA) | 1.8914% | 540 |
| Pretax return on assets | 1.8914% | 886 |
| Return on Equity (ROE) | 18.6870% | 425 |
| Retained earnings to average equity (ytd only) | 18.6870% | 102 |
| Net charge-offs to loans | 0.4814% | 2,172 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 7.8766% | 2,536 |
| Efficiency ratio | 60.1511% | 5,467 |
| Assets per employee ($millions) | 9.7944% | 259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6276% | 1,053 |
| Loan loss allowance to noncurrent loans | 139.9373% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 2.9290% | 1,789 |
| Noncurrent loans to loans | 1.8777% | 2,984 |
| Net loans and leases to total assets | 35.1871% | 6,602 |
| Net loans and leases to deposits | 41.7308% | 6,610 |
| Net loans and leases to core deposits | 45.5511% | 6,533 |
| Total domestic deposits to total assets | 84.3193% | 4,071 |
| Equity capital to assets | 11.6231% | 2,620 |
| Core capital (leverage) ratio | 9.6918% | 3,973 |
| Tier 1 risk-based capital ratio | 16.5142% | 2,991 |
| Total risk-based capital ratio | 17.7680% | 2,956 |
| Memoranda: | ||
| Average total assets | $238,121,250 | 2,675 |
| Average earning assets | $220,095,000 | 2,643 |
| Average equity | $24,101,750 | 2,767 |
| Average total loans | $85,312,750 | 3,908 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0721% | 5,412 |
| Cost of funding earning assets | 0.8419% | 2,862 |
| Net interest margin | 3.2301% | 5,645 |
| Noninterest income to average assets | 0.3713% | 4,862 |
| Noninterest expense to average assets | 2.0507% | 6,334 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3047% | 1,428 |
| Return on assets (ROA) | 1.6952% | 765 |
| Pretax return on assets | 1.6952% | 1,270 |
| Return on Equity (ROE) | 17.6044% | 557 |
| Retained earnings to average equity (ytd only) | 17.6044% | 158 |
| Net charge-offs to loans | 0.7187% | 1,540 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 5.0814% | 2,911 |
| Efficiency ratio | 61.1167% | 5,404 |
| Assets per employee ($millions) | 9.7507% | 249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5588% | 1,198 |
| Loan loss allowance to noncurrent loans | 117.2794% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 3.7314% | 1,398 |
| Noncurrent loans to loans | 2.1818% | 2,733 |
| Net loans and leases to total assets | 34.8828% | 6,675 |
| Net loans and leases to deposits | 40.5245% | 6,716 |
| Net loans and leases to core deposits | 44.0091% | 6,661 |
| Total domestic deposits to total assets | 86.0782% | 3,319 |
| Equity capital to assets | 10.2409% | 4,004 |
| Core capital (leverage) ratio | 8.6814% | 5,406 |
| Tier 1 risk-based capital ratio | 15.1573% | 3,662 |
| Total risk-based capital ratio | 16.4105% | 3,626 |
| Memoranda: | ||
| Average total assets | $239,139,670 | 2,667 |
| Average earning assets | $220,920,000 | 2,638 |
| Average equity | $23,028,330 | 2,850 |
| Average total loans | $85,435,330 | 3,929 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0477% | 5,615 |
| Cost of funding earning assets | 0.8804% | 2,833 |
| Net interest margin | 3.1673% | 5,854 |
| Noninterest income to average assets | 0.1385% | 6,553 |
| Noninterest expense to average assets | 1.8224% | 6,773 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2448% | 1,615 |
| Return on assets (ROA) | 1.4323% | 1,303 |
| Pretax return on assets | 1.4323% | 2,080 |
| Return on Equity (ROE) | 15.3759% | 909 |
| Retained earnings to average equity (ytd only) | 15.3759% | 418 |
| Net charge-offs to loans | -0.0379% | 6,436 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4163% | 5,706 |
| Assets per employee ($millions) | 10.5721% | 203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9664% | 861 |
| Loan loss allowance to noncurrent loans | 80.2773% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 3.3941% | 1,697 |
| Noncurrent loans to loans | 3.6952% | 1,676 |
| Net loans and leases to total assets | 32.8486% | 6,784 |
| Net loans and leases to deposits | 37.9043% | 6,818 |
| Net loans and leases to core deposits | 40.9549% | 6,785 |
| Total domestic deposits to total assets | 86.6619% | 3,139 |
| Equity capital to assets | 8.9859% | 5,515 |
| Core capital (leverage) ratio | 8.7573% | 5,190 |
| Tier 1 risk-based capital ratio | 14.1096% | 4,389 |
| Total risk-based capital ratio | 15.3654% | 4,358 |
| Memoranda: | ||
| Average total assets | $236,825,500 | 2,703 |
| Average earning assets | $218,988,000 | 2,664 |
| Average equity | $22,060,500 | 2,975 |
| Average total loans | $84,520,000 | 3,991 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9255% | 3,229 |
| Cost of funding earning assets | 1.1354% | 2,439 |
| Net interest margin | 3.7901% | 3,879 |
| Noninterest income to average assets | 0.1808% | 6,199 |
| Noninterest expense to average assets | 2.3012% | 6,034 |
| Loan and lease loss provision to assets | 0.0682% | 5,758 |
| Net operating income to assets | 1.3097% | 1,220 |
| Return on assets (ROA) | 1.7270% | 565 |
| Pretax return on assets | 1.7270% | 935 |
| Return on Equity (ROE) | 18.7104% | 334 |
| Retained earnings to average equity (ytd only) | 18.7104% | 65 |
| Net charge-offs to loans | 0.8961% | 1,940 |
| Credit loss provision to net charge-offs | 17.0940% | 5,949 |
| Earnings coverage of net charge-offs (x) | 3.4518% | 3,517 |
| Efficiency ratio | 62.5464% | 5,374 |
| Assets per employee ($millions) | 9.1633% | 307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0549% | 774 |
| Loan loss allowance to noncurrent loans | 85.0636% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 3.8400% | 1,499 |
| Noncurrent loans to loans | 3.5913% | 1,779 |
| Net loans and leases to total assets | 36.6520% | 6,724 |
| Net loans and leases to deposits | 42.9138% | 6,765 |
| Net loans and leases to core deposits | 47.0793% | 6,687 |
| Total domestic deposits to total assets | 85.4083% | 3,642 |
| Equity capital to assets | 9.6949% | 4,605 |
| Core capital (leverage) ratio | 9.2113% | 4,448 |
| Tier 1 risk-based capital ratio | 14.3430% | 4,083 |
| Total risk-based capital ratio | 15.6000% | 4,048 |
| Memoranda: | ||
| Average total assets | $205,154,600 | 2,997 |
| Average earning assets | $189,360,000 | 2,971 |
| Average equity | $18,936,000 | 3,290 |
| Average total loans | $91,394,000 | 3,821 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0172% | 3,003 |
| Cost of funding earning assets | 1.1857% | 2,412 |
| Net interest margin | 3.8315% | 3,711 |
| Noninterest income to average assets | 0.1793% | 6,303 |
| Noninterest expense to average assets | 2.1535% | 6,388 |
| Loan and lease loss provision to assets | 0.0927% | 5,306 |
| Net operating income to assets | 1.4745% | 1,000 |
| Return on assets (ROA) | 1.8954% | 461 |
| Pretax return on assets | 1.8954% | 786 |
| Return on Equity (ROE) | 20.8213% | 262 |
| Retained earnings to average equity (ytd only) | 20.8213% | 67 |
| Net charge-offs to loans | 0.1427% | 4,638 |
| Credit loss provision to net charge-offs | 140.0000% | 2,275 |
| Earnings coverage of net charge-offs (x) | 23.6800% | 1,106 |
| Efficiency ratio | 57.8798% | 6,031 |
| Assets per employee ($millions) | 8.8257% | 353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5912% | 525 |
| Loan loss allowance to noncurrent loans | 75.1614% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 4.0837% | 1,498 |
| Noncurrent loans to loans | 4.7780% | 1,349 |
| Net loans and leases to total assets | 41.3047% | 6,535 |
| Net loans and leases to deposits | 48.6913% | 6,590 |
| Net loans and leases to core deposits | 55.7830% | 6,335 |
| Total domestic deposits to total assets | 84.8298% | 3,858 |
| Equity capital to assets | 10.0441% | 4,279 |
| Core capital (leverage) ratio | 9.5246% | 4,116 |
| Tier 1 risk-based capital ratio | 13.7760% | 4,519 |
| Total risk-based capital ratio | 15.0390% | 4,474 |
| Memoranda: | ||
| Average total assets | $201,463,250 | 3,058 |
| Average earning assets | $186,208,500 | 3,021 |
| Average equity | $18,339,750 | 3,386 |
| Average total loans | $93,456,250 | 3,804 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0781% | 2,785 |
| Cost of funding earning assets | 1.2498% | 2,252 |
| Net interest margin | 3.8283% | 3,655 |
| Noninterest income to average assets | 0.2313% | 5,999 |
| Noninterest expense to average assets | 2.0736% | 6,643 |
| Loan and lease loss provision to assets | 0.1414% | 4,540 |
| Net operating income to assets | 1.5524% | 801 |
| Return on assets (ROA) | 1.9090% | 433 |
| Pretax return on assets | 1.9090% | 696 |
| Return on Equity (ROE) | 21.7725% | 243 |
| Retained earnings to average equity (ytd only) | 21.7725% | 73 |
| Net charge-offs to loans | 0.2141% | 3,851 |
| Credit loss provision to net charge-offs | 138.6139% | 2,200 |
| Earnings coverage of net charge-offs (x) | 16.6040% | 1,329 |
| Efficiency ratio | 55.0402% | 6,501 |
| Assets per employee ($millions) | 8.2776% | 417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5182% | 589 |
| Loan loss allowance to noncurrent loans | 88.4125% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 4.1185% | 1,550 |
| Noncurrent loans to loans | 3.9793% | 1,744 |
| Net loans and leases to total assets | 44.9742% | 6,354 |
| Net loans and leases to deposits | 52.8993% | 6,403 |
| Net loans and leases to core deposits | 60.9548% | 6,006 |
| Total domestic deposits to total assets | 85.0183% | 3,870 |
| Equity capital to assets | 9.6868% | 4,554 |
| Core capital (leverage) ratio | 9.1967% | 4,411 |
| Tier 1 risk-based capital ratio | 13.1554% | 4,798 |
| Total risk-based capital ratio | 14.4188% | 4,772 |
| Memoranda: | ||
| Average total assets | $198,012,330 | 3,121 |
| Average earning assets | $182,902,670 | 3,087 |
| Average equity | $17,361,330 | 3,519 |
| Average total loans | $94,358,670 | 3,831 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0388% | 2,914 |
| Cost of funding earning assets | 1.2778% | 2,318 |
| Net interest margin | 3.7610% | 3,795 |
| Noninterest income to average assets | 0.2954% | 5,552 |
| Noninterest expense to average assets | 2.0881% | 6,665 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.6794% | 594 |
| Return on assets (ROA) | 1.6997% | 613 |
| Pretax return on assets | 1.6997% | 983 |
| Return on Equity (ROE) | 20.4629% | 312 |
| Retained earnings to average equity (ytd only) | 20.4629% | 161 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4243% | 6,569 |
| Assets per employee ($millions) | 8.2758% | 430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4141% | 655 |
| Loan loss allowance to noncurrent loans | 128.4517% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 3.4080% | 1,999 |
| Noncurrent loans to loans | 2.6579% | 2,834 |
| Net loans and leases to total assets | 45.8501% | 6,302 |
| Net loans and leases to deposits | 53.3086% | 6,359 |
| Net loans and leases to core deposits | 61.5713% | 5,968 |
| Total domestic deposits to total assets | 86.0089% | 3,525 |
| Equity capital to assets | 8.6996% | 5,660 |
| Core capital (leverage) ratio | 8.7117% | 5,070 |
| Tier 1 risk-based capital ratio | 12.6002% | 5,169 |
| Total risk-based capital ratio | 13.8703% | 5,128 |
| Memoranda: | ||
| Average total assets | $197,687,000 | 3,146 |
| Average earning assets | $182,502,500 | 3,102 |
| Average equity | $16,420,000 | 3,647 |
| Average total loans | $95,235,500 | 3,849 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8170% | 5,358 |
| Cost of funding earning assets | 1.3702% | 3,452 |
| Net interest margin | 3.4468% | 5,449 |
| Noninterest income to average assets | 0.1006% | 6,892 |
| Noninterest expense to average assets | 2.1544% | 6,721 |
| Loan and lease loss provision to assets | 2.2012% | 556 |
| Net operating income to assets | -1.0279% | 6,698 |
| Return on assets (ROA) | -0.7609% | 6,580 |
| Pretax return on assets | -0.7609% | 6,493 |
| Return on Equity (ROE) | -8.8304% | 6,670 |
| Retained earnings to average equity (ytd only) | -8.8304% | 6,583 |
| Net charge-offs to loans | 3.9027% | 333 |
| Credit loss provision to net charge-offs | 105.7922% | 4,233 |
| Earnings coverage of net charge-offs (x) | 0.5639% | 5,545 |
| Efficiency ratio | 64.7411% | 5,211 |
| Assets per employee ($millions) | 8.1981% | 453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3467% | 659 |
| Loan loss allowance to noncurrent loans | 161.0305% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 3.2020% | 2,209 |
| Noncurrent loans to loans | 2.0783% | 3,452 |
| Net loans and leases to total assets | 47.2496% | 6,456 |
| Net loans and leases to deposits | 55.4019% | 6,490 |
| Net loans and leases to core deposits | 64.2736% | 6,029 |
| Total domestic deposits to total assets | 85.2853% | 3,721 |
| Equity capital to assets | 7.9088% | 6,574 |
| Core capital (leverage) ratio | 8.1473% | 5,915 |
| Tier 1 risk-based capital ratio | 11.9574% | 5,515 |
| Total risk-based capital ratio | 13.2276% | 5,478 |
| Memoranda: | ||
| Average total assets | $200,802,400 | 3,089 |
| Average earning assets | $188,000,600 | 3,032 |
| Average equity | $17,303,800 | 3,537 |
| Average total loans | $107,054,200 | 3,610 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7958% | 5,676 |
| Cost of funding earning assets | 1.3896% | 3,639 |
| Net interest margin | 3.4062% | 5,658 |
| Noninterest income to average assets | 0.0773% | 7,149 |
| Noninterest expense to average assets | 2.0705% | 6,915 |
| Loan and lease loss provision to assets | 1.7402% | 719 |
| Net operating income to assets | -0.5285% | 6,614 |
| Return on assets (ROA) | -0.3660% | 6,529 |
| Pretax return on assets | -0.3660% | 6,459 |
| Return on Equity (ROE) | -4.1639% | 6,578 |
| Retained earnings to average equity (ytd only) | -4.1639% | 6,476 |
| Net charge-offs to loans | 1.6130% | 1,221 |
| Credit loss provision to net charge-offs | 198.3434% | 1,805 |
| Earnings coverage of net charge-offs (x) | 1.3810% | 4,698 |
| Efficiency ratio | 63.0837% | 5,420 |
| Assets per employee ($millions) | 10.2498% | 247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2504% | 300 |
| Loan loss allowance to noncurrent loans | 54.7698% | 4,639 |
| Noncurrent assets plus other real estate owned to assets | 4.2728% | 1,598 |
| Noncurrent loans to loans | 7.7606% | 688 |
| Net loans and leases to total assets | 47.0660% | 6,603 |
| Net loans and leases to deposits | 55.7406% | 6,632 |
| Net loans and leases to core deposits | 65.2265% | 6,188 |
| Total domestic deposits to total assets | 84.4377% | 3,902 |
| Equity capital to assets | 9.1339% | 5,403 |
| Core capital (leverage) ratio | 8.4678% | 5,562 |
| Tier 1 risk-based capital ratio | 12.9362% | 4,626 |
| Total risk-based capital ratio | 14.2168% | 4,583 |
| Memoranda: | ||
| Average total assets | $201,814,250 | 3,114 |
| Average earning assets | $189,882,500 | 3,046 |
| Average equity | $17,739,500 | 3,518 |
| Average total loans | $109,771,500 | 3,605 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8276% | 5,692 |
| Cost of funding earning assets | 1.4417% | 3,608 |
| Net interest margin | 3.3859% | 5,694 |
| Noninterest income to average assets | 0.0777% | 7,200 |
| Noninterest expense to average assets | 2.1330% | 6,810 |
| Loan and lease loss provision to assets | 2.2535% | 525 |
| Net operating income to assets | -1.1198% | 6,995 |
| Return on assets (ROA) | -0.8747% | 6,908 |
| Pretax return on assets | -0.8747% | 6,828 |
| Return on Equity (ROE) | -10.0854% | 6,972 |
| Retained earnings to average equity (ytd only) | -10.0854% | 6,920 |
| Net charge-offs to loans | 2.3552% | 739 |
| Credit loss provision to net charge-offs | 170.3313% | 2,295 |
| Earnings coverage of net charge-offs (x) | 0.8569% | 4,913 |
| Efficiency ratio | 65.2943% | 5,105 |
| Assets per employee ($millions) | 10.5362% | 218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6143% | 505 |
| Loan loss allowance to noncurrent loans | 49.8407% | 4,967 |
| Noncurrent assets plus other real estate owned to assets | 4.1694% | 1,621 |
| Noncurrent loans to loans | 7.2517% | 750 |
| Net loans and leases to total assets | 49.4951% | 6,493 |
| Net loans and leases to deposits | 57.9984% | 6,574 |
| Net loans and leases to core deposits | 67.3151% | 6,118 |
| Total domestic deposits to total assets | 85.3386% | 3,445 |
| Equity capital to assets | 8.5116% | 6,151 |
| Core capital (leverage) ratio | 8.2106% | 5,926 |
| Tier 1 risk-based capital ratio | 12.5556% | 4,808 |
| Total risk-based capital ratio | 13.8322% | 4,761 |
| Memoranda: | ||
| Average total assets | $200,754,000 | 3,157 |
| Average earning assets | $189,081,000 | 3,076 |
| Average equity | $17,411,330 | 3,569 |
| Average total loans | $112,773,330 | 3,563 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8820% | 5,551 |
| Cost of funding earning assets | 1.4583% | 3,819 |
| Net interest margin | 3.4237% | 5,484 |
| Noninterest income to average assets | 0.0531% | 7,452 |
| Noninterest expense to average assets | 2.4355% | 5,966 |
| Loan and lease loss provision to assets | 3.6574% | 254 |
| Net operating income to assets | -2.7972% | 7,609 |
| Return on assets (ROA) | -2.7195% | 7,598 |
| Pretax return on assets | -2.7195% | 7,553 |
| Return on Equity (ROE) | -31.0455% | 7,588 |
| Retained earnings to average equity (ytd only) | -31.0455% | 7,566 |
| Net charge-offs to loans | 3.2958% | 446 |
| Credit loss provision to net charge-offs | 188.8186% | 1,946 |
| Earnings coverage of net charge-offs (x) | 0.4441% | 4,630 |
| Efficiency ratio | 73.8996% | 3,591 |
| Assets per employee ($millions) | 9.6244% | 299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3026% | 633 |
| Loan loss allowance to noncurrent loans | 59.1176% | 4,422 |
| Noncurrent assets plus other real estate owned to assets | 3.8439% | 1,802 |
| Noncurrent loans to loans | 5.5864% | 1,242 |
| Net loans and leases to total assets | 58.0909% | 5,422 |
| Net loans and leases to deposits | 68.5979% | 5,523 |
| Net loans and leases to core deposits | 72.2189% | 5,688 |
| Total domestic deposits to total assets | 84.6832% | 3,817 |
| Equity capital to assets | 8.7034% | 5,725 |
| Core capital (leverage) ratio | 8.4160% | 5,533 |
| Tier 1 risk-based capital ratio | 12.0740% | 5,117 |
| Total risk-based capital ratio | 13.3502% | 5,054 |
| Memoranda: | ||
| Average total assets | $195,769,000 | 3,276 |
| Average earning assets | $185,415,500 | 3,182 |
| Average equity | $17,149,000 | 3,627 |
| Average total loans | $115,055,500 | 3,569 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1396% | 5,923 |
| Cost of funding earning assets | 2.4505% | 1,155 |
| Net interest margin | 2.6892% | 7,223 |
| Noninterest income to average assets | 0.0398% | 7,549 |
| Noninterest expense to average assets | 2.5409% | 5,982 |
| Loan and lease loss provision to assets | 1.3610% | 1,695 |
| Net operating income to assets | -1.3579% | 6,794 |
| Return on assets (ROA) | -0.7502% | 6,400 |
| Pretax return on assets | -0.7502% | 6,239 |
| Return on Equity (ROE) | -6.5100% | 6,347 |
| Retained earnings to average equity (ytd only) | -6.5100% | 6,198 |
| Net charge-offs to loans | 0.0974% | 6,158 |
| Credit loss provision to net charge-offs | 2,186.0000% | 149 |
| Earnings coverage of net charge-offs (x) | 0.0500% | 6,126 |
| Efficiency ratio | 99.8776% | 1,109 |
| Assets per employee ($millions) | 9.4786% | 304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6006% | 1,112 |
| Loan loss allowance to noncurrent loans | 50.8194% | 4,977 |
| Noncurrent assets plus other real estate owned to assets | 3.0515% | 2,285 |
| Noncurrent loans to loans | 5.1173% | 1,304 |
| Net loans and leases to total assets | 56.0146% | 5,951 |
| Net loans and leases to deposits | 68.4199% | 5,780 |
| Net loans and leases to core deposits | 78.1147% | 6,251 |
| Total domestic deposits to total assets | 81.8689% | 5,008 |
| Equity capital to assets | 8.8144% | 5,410 |
| Core capital (leverage) ratio | 8.8906% | 4,605 |
| Tier 1 risk-based capital ratio | 12.8208% | 4,270 |
| Total risk-based capital ratio | 14.0891% | 4,210 |
| Memoranda: | ||
| Average total assets | $160,614,000 | 3,761 |
| Average earning assets | $149,563,800 | 3,722 |
| Average equity | $18,510,000 | 3,425 |
| Average total loans | $102,681,800 | 3,877 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3846% | 5,020 |
| Cost of funding earning assets | 2.5283% | 1,211 |
| Net interest margin | 2.8563% | 6,952 |
| Noninterest income to average assets | 0.0389% | 7,695 |
| Noninterest expense to average assets | 2.5976% | 5,720 |
| Loan and lease loss provision to assets | 0.5483% | 3,196 |
| Net operating income to assets | -0.4618% | 6,386 |
| Return on assets (ROA) | -0.2808% | 6,188 |
| Pretax return on assets | -0.2808% | 6,078 |
| Return on Equity (ROE) | -2.2611% | 6,134 |
| Retained earnings to average equity (ytd only) | -2.2611% | 5,772 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7763% | 1,229 |
| Assets per employee ($millions) | 8.8219% | 386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4046% | 3,914 |
| Loan loss allowance to noncurrent loans | 1,758.1395% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.1630% | 7,128 |
| Noncurrent loans to loans | 0.0799% | 7,291 |
| Net loans and leases to total assets | 57.2903% | 5,995 |
| Net loans and leases to deposits | 69.5509% | 5,970 |
| Net loans and leases to core deposits | 85.1862% | 5,950 |
| Total domestic deposits to total assets | 82.3718% | 4,511 |
| Equity capital to assets | 10.4243% | 3,592 |
| Core capital (leverage) ratio | 10.5266% | 2,768 |
| Tier 1 risk-based capital ratio | 13.7356% | 3,691 |
| Total risk-based capital ratio | 14.8639% | 3,711 |
| Memoranda: | ||
| Average total assets | $151,005,000 | 3,964 |
| Average earning assets | $139,852,500 | 3,929 |
| Average equity | $18,751,250 | 3,409 |
| Average total loans | $99,733,750 | 3,996 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2240% | 5,986 |
| Cost of funding earning assets | 2.5252% | 1,526 |
| Net interest margin | 2.6987% | 7,203 |
| Noninterest income to average assets | 0.0387% | 7,795 |
| Noninterest expense to average assets | 2.6793% | 5,456 |
| Loan and lease loss provision to assets | 0.5960% | 2,658 |
| Net operating income to assets | -0.7408% | 6,787 |
| Return on assets (ROA) | -0.5846% | 6,648 |
| Pretax return on assets | -0.5846% | 6,509 |
| Return on Equity (ROE) | -4.3955% | 6,534 |
| Retained earnings to average equity (ytd only) | -4.3955% | 6,204 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.7094% | 972 |
| Assets per employee ($millions) | 8.1447% | 474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2103% | 4,864 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1263% | 7,244 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 62.3747% | 5,290 |
| Net loans and leases to deposits | 79.4248% | 4,635 |
| Net loans and leases to core deposits | 97.8483% | 4,717 |
| Total domestic deposits to total assets | 78.5330% | 5,948 |
| Equity capital to assets | 10.7964% | 3,121 |
| Core capital (leverage) ratio | 12.3535% | 1,671 |
| Tier 1 risk-based capital ratio | 14.0519% | 3,486 |
| Total risk-based capital ratio | 15.0639% | 3,560 |
| Memoranda: | ||
| Average total assets | $139,586,670 | 4,178 |
| Average earning assets | $129,097,000 | 4,154 |
| Average equity | $18,564,330 | 3,456 |
| Average total loans | $97,095,670 | 4,092 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1545% | 6,472 |
| Cost of funding earning assets | 2.5773% | 1,631 |
| Net interest margin | 2.5773% | 7,401 |
| Noninterest income to average assets | 0.0291% | 7,934 |
| Noninterest expense to average assets | 2.9130% | 4,117 |
| Loan and lease loss provision to assets | 0.6879% | 1,836 |
| Net operating income to assets | -1.1400% | 7,329 |
| Return on assets (ROA) | -0.7880% | 7,154 |
| Pretax return on assets | -0.7880% | 7,028 |
| Return on Equity (ROE) | -5.2435% | 6,996 |
| Retained earnings to average equity (ytd only) | -5.2435% | 6,585 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.3727% | 658 |
| Assets per employee ($millions) | 7.4455% | 637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1266% | 5,283 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1612% | 7,073 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 72.2965% | 3,181 |
| Net loans and leases to deposits | 94.5546% | 2,179 |
| Net loans and leases to core deposits | 125.6660% | 1,944 |
| Total domestic deposits to total assets | 76.4601% | 6,417 |
| Equity capital to assets | 13.8592% | 1,406 |
| Core capital (leverage) ratio | 15.0855% | 950 |
| Tier 1 risk-based capital ratio | 16.7081% | 2,443 |
| Total risk-based capital ratio | 17.7240% | 2,463 |
| Memoranda: | ||
| Average total assets | $123,860,500 | 4,548 |
| Average earning assets | $116,868,000 | 4,462 |
| Average equity | $18,613,500 | 3,467 |
| Average total loans | $91,647,500 | 4,269 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2743% | 4,098 |
| Cost of funding earning assets | 2.6902% | 3,205 |
| Net interest margin | 3.5841% | 4,953 |
| Noninterest income to average assets | 0.0301% | 7,982 |
| Noninterest expense to average assets | 4.2528% | 1,095 |
| Loan and lease loss provision to assets | 0.8367% | 1,784 |
| Net operating income to assets | -1.6838% | 7,526 |
| Return on assets (ROA) | -1.5856% | 7,446 |
| Pretax return on assets | -1.5856% | 7,296 |
| Return on Equity (ROE) | -6.5542% | 7,006 |
| Retained earnings to average equity (ytd only) | -6.5542% | 6,731 |
| Net charge-offs to loans | 0.0266% | 6,461 |
| Credit loss provision to net charge-offs | 4,260.0000% | 120 |
| Earnings coverage of net charge-offs (x) | -43.1333% | 6,979 |
| Efficiency ratio | 124.8750% | 517 |
| Assets per employee ($millions) | 6.3168% | 981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0445% | 5,673 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1900% | 6,801 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 74.2370% | 3,045 |
| Net loans and leases to deposits | 108.1529% | 961 |
| Net loans and leases to core deposits | 147.2644% | 967 |
| Total domestic deposits to total assets | 68.6408% | 7,415 |
| Equity capital to assets | 16.4052% | 857 |
| Core capital (leverage) ratio | 16.8312% | 719 |
| Tier 1 risk-based capital ratio | 18.9632% | 1,820 |
| Total risk-based capital ratio | 19.8909% | 1,835 |
| Memoranda: | ||
| Average total assets | $76,373,800 | 5,821 |
| Average earning assets | $71,927,800 | 5,739 |
| Average equity | $18,476,600 | 3,484 |
| Average total loans | $56,388,200 | 5,431 |