Home > Virginia National Bank > Performance and Condition Ratios
Virginia National Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0601% | 3,009 |
| Cost of funding earning assets | 1.7682% | 2,542 |
| Net interest margin | 3.2918% | 2,787 |
| Noninterest income to average assets | 0.4300% | 2,064 |
| Noninterest expense to average assets | 2.0164% | 3,525 |
| Loan and lease loss provision to assets | -0.0400% | 4,250 |
| Net operating income to assets | 1.2450% | 1,612 |
| Return on assets (ROA) | 1.2450% | 1,613 |
| Pretax return on assets | 1.5019% | 1,509 |
| Return on Equity (ROE) | 12.2600% | 1,680 |
| Retained earnings to average equity (ytd only) | 7.4115% | 1,864 |
| Net charge-offs to loans | 0.0071% | 1,980 |
| Credit loss provision to net charge-offs | -477.2727% | 4,429 |
| Earnings coverage of net charge-offs (x) | 269.9091% | 333 |
| Efficiency ratio | 55.8726% | 3,430 |
| Assets per employee ($millions) | 11.4167% | 529 |
| Cash dividends to net income (ytd only)* | 39.5648% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6703% | 4,077 |
| Loan loss allowance to noncurrent loans | 165.3037% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 0.3086% | 2,055 |
| Noncurrent loans to loans | 0.4055% | 2,105 |
| Net loans and leases to total assets | 75.6000% | 1,137 |
| Net loans and leases to deposits | 86.0242% | 1,486 |
| Net loans and leases to core deposits | 92.1497% | 1,901 |
| Total domestic deposits to total assets | 87.8800% | 1,602 |
| Equity capital to assets | 10.3007% | 2,043 |
| Core capital (leverage) ratio | 11.7115% | 1,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7583% | 789 |
| Memoranda: | ||
| Average total assets | $1,624,056,000 | 692 |
| Average earning assets | $1,502,512,500 | 687 |
| Average equity | $164,880,000 | 687 |
| Average total loans | $1,239,233,500 | 656 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0951% | 2,927 |
| Cost of funding earning assets | 1.9598% | 2,315 |
| Net interest margin | 3.1353% | 2,861 |
| Noninterest income to average assets | 0.4600% | 2,109 |
| Noninterest expense to average assets | 1.9658% | 3,668 |
| Loan and lease loss provision to assets | -0.0400% | 4,239 |
| Net operating income to assets | 1.1567% | 1,604 |
| Return on assets (ROA) | 1.1565% | 1,613 |
| Pretax return on assets | 1.4262% | 1,440 |
| Return on Equity (ROE) | 11.7400% | 1,674 |
| Retained earnings to average equity (ytd only) | 5.7637% | 1,919 |
| Net charge-offs to loans | -0.0667% | 4,377 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 56.1886% | 3,541 |
| Assets per employee ($millions) | 11.0653% | 565 |
| Cash dividends to net income (ytd only)* | 50.9247% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6841% | 4,084 |
| Loan loss allowance to noncurrent loans | 279.8742% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.1870% | 2,503 |
| Noncurrent loans to loans | 0.2444% | 2,531 |
| Net loans and leases to total assets | 75.9800% | 1,146 |
| Net loans and leases to deposits | 86.1694% | 1,578 |
| Net loans and leases to core deposits | 92.8220% | 1,924 |
| Total domestic deposits to total assets | 88.1800% | 1,443 |
| Equity capital to assets | 10.0024% | 2,132 |
| Core capital (leverage) ratio | 11.5493% | 1,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5974% | 809 |
| Memoranda: | ||
| Average total assets | $1,612,991,000 | 693 |
| Average earning assets | $1,490,205,200 | 685 |
| Average equity | $158,840,200 | 681 |
| Average total loans | $1,166,105,400 | 681 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0720% | 2,923 |
| Cost of funding earning assets | 1.9909% | 2,242 |
| Net interest margin | 3.0811% | 2,943 |
| Noninterest income to average assets | 0.4200% | 2,310 |
| Noninterest expense to average assets | 1.9352% | 3,707 |
| Loan and lease loss provision to assets | -0.0400% | 4,275 |
| Net operating income to assets | 1.1290% | 1,680 |
| Return on assets (ROA) | 1.1288% | 1,689 |
| Pretax return on assets | 1.3730% | 1,587 |
| Return on Equity (ROE) | 11.5100% | 1,753 |
| Retained earnings to average equity (ytd only) | 5.1847% | 2,389 |
| Net charge-offs to loans | -0.0741% | 4,408 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 56.6775% | 3,491 |
| Assets per employee ($millions) | 10.6159% | 636 |
| Cash dividends to net income (ytd only)* | 54.9451% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7012% | 4,086 |
| Loan loss allowance to noncurrent loans | 159.9962% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 0.3301% | 1,896 |
| Noncurrent loans to loans | 0.4383% | 1,987 |
| Net loans and leases to total assets | 74.8000% | 1,269 |
| Net loans and leases to deposits | 87.4017% | 1,495 |
| Net loans and leases to core deposits | 94.4245% | 1,848 |
| Total domestic deposits to total assets | 85.5800% | 2,091 |
| Equity capital to assets | 10.3630% | 2,066 |
| Core capital (leverage) ratio | 11.6854% | 1,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7028% | 830 |
| Memoranda: | ||
| Average total assets | $1,612,356,500 | 685 |
| Average earning assets | $1,488,672,750 | 681 |
| Average equity | $158,152,250 | 675 |
| Average total loans | $1,148,639,500 | 684 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0084% | 2,934 |
| Cost of funding earning assets | 2.0095% | 2,098 |
| Net interest margin | 2.9989% | 3,062 |
| Noninterest income to average assets | 0.4600% | 2,045 |
| Noninterest expense to average assets | 1.9730% | 3,617 |
| Loan and lease loss provision to assets | -0.0400% | 4,291 |
| Net operating income to assets | 1.0701% | 1,791 |
| Return on assets (ROA) | 1.0696% | 1,802 |
| Pretax return on assets | 1.2934% | 1,715 |
| Return on Equity (ROE) | 11.1100% | 1,845 |
| Retained earnings to average equity (ytd only) | 4.0237% | 2,702 |
| Net charge-offs to loans | -0.0249% | 4,180 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 58.6369% | 3,338 |
| Assets per employee ($millions) | 10.6989% | 599 |
| Cash dividends to net income (ytd only)* | 63.7977% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6931% | 4,117 |
| Loan loss allowance to noncurrent loans | 202.6761% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 0.2519% | 2,169 |
| Noncurrent loans to loans | 0.3420% | 2,168 |
| Net loans and leases to total assets | 73.1300% | 1,517 |
| Net loans and leases to deposits | 83.6617% | 1,871 |
| Net loans and leases to core deposits | 90.6293% | 2,101 |
| Total domestic deposits to total assets | 87.4100% | 1,511 |
| Equity capital to assets | 9.8873% | 2,145 |
| Core capital (leverage) ratio | 11.3587% | 1,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4591% | 848 |
| Memoranda: | ||
| Average total assets | $1,611,934,667 | 688 |
| Average earning assets | $1,486,417,000 | 682 |
| Average equity | $155,130,000 | 686 |
| Average total loans | $1,126,348,667 | 692 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9233% | 2,940 |
| Cost of funding earning assets | 1.9993% | 1,993 |
| Net interest margin | 2.9240% | 3,151 |
| Noninterest income to average assets | 0.4900% | 1,833 |
| Noninterest expense to average assets | 2.0204% | 3,529 |
| Loan and lease loss provision to assets | -0.0100% | 4,190 |
| Net operating income to assets | 0.9881% | 1,963 |
| Return on assets (ROA) | 0.9873% | 1,973 |
| Pretax return on assets | 1.1751% | 1,953 |
| Return on Equity (ROE) | 10.4000% | 2,008 |
| Retained earnings to average equity (ytd only) | 5.2329% | 2,332 |
| Net charge-offs to loans | 0.0421% | 1,113 |
| Credit loss provision to net charge-offs | 9.4017% | 1,552 |
| Earnings coverage of net charge-offs (x) | 40.8034% | 1,052 |
| Efficiency ratio | 60.6838% | 3,187 |
| Assets per employee ($millions) | 10.6470% | 601 |
| Cash dividends to net income (ytd only)* | 49.6648% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7347% | 4,052 |
| Loan loss allowance to noncurrent loans | 271.4145% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 0.1887% | 2,422 |
| Noncurrent loans to loans | 0.2707% | 2,341 |
| Net loans and leases to total assets | 69.2000% | 1,890 |
| Net loans and leases to deposits | 78.1901% | 2,223 |
| Net loans and leases to core deposits | 85.0731% | 2,371 |
| Total domestic deposits to total assets | 88.5000% | 1,252 |
| Equity capital to assets | 9.5668% | 2,277 |
| Core capital (leverage) ratio | 11.1744% | 1,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2927% | 881 |
| Memoranda: | ||
| Average total assets | $1,631,533,000 | 690 |
| Average earning assets | $1,507,926,500 | 683 |
| Average equity | $154,944,000 | 691 |
| Average total loans | $1,110,416,500 | 698 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7842% | 2,507 |
| Cost of funding earning assets | 1.4155% | 2,189 |
| Net interest margin | 3.3687% | 2,473 |
| Noninterest income to average assets | 0.4900% | 2,036 |
| Noninterest expense to average assets | 1.9958% | 3,647 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.2701% | 1,494 |
| Return on assets (ROA) | 1.2593% | 1,493 |
| Pretax return on assets | 1.5225% | 1,370 |
| Return on Equity (ROE) | 14.1100% | 1,462 |
| Retained earnings to average equity (ytd only) | 9.9022% | 1,039 |
| Net charge-offs to loans | 0.0347% | 1,612 |
| Credit loss provision to net charge-offs | 202.3256% | 1,217 |
| Earnings coverage of net charge-offs (x) | 73.4012% | 1,076 |
| Efficiency ratio | 53.1769% | 3,739 |
| Assets per employee ($millions) | 10.8205% | 558 |
| Cash dividends to net income (ytd only)* | 29.8418% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7683% | 4,029 |
| Loan loss allowance to noncurrent loans | 307.3966% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 0.1660% | 2,430 |
| Noncurrent loans to loans | 0.2499% | 2,302 |
| Net loans and leases to total assets | 65.9200% | 2,264 |
| Net loans and leases to deposits | 76.9341% | 2,359 |
| Net loans and leases to core deposits | 83.3418% | 2,503 |
| Total domestic deposits to total assets | 85.6900% | 2,113 |
| Equity capital to assets | 9.4280% | 2,398 |
| Core capital (leverage) ratio | 11.0464% | 1,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1237% | 894 |
| Memoranda: | ||
| Average total assets | $1,596,607,400 | 684 |
| Average earning assets | $1,462,826,200 | 679 |
| Average equity | $142,453,200 | 702 |
| Average total loans | $992,580,800 | 732 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7748% | 2,319 |
| Cost of funding earning assets | 1.2392% | 2,305 |
| Net interest margin | 3.5355% | 2,136 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 2.0306% | 3,518 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 1.4314% | 1,253 |
| Return on assets (ROA) | 1.4170% | 1,264 |
| Pretax return on assets | 1.7158% | 1,139 |
| Return on Equity (ROE) | 16.1200% | 1,235 |
| Retained earnings to average equity (ytd only) | 11.8111% | 1,008 |
| Net charge-offs to loans | 0.0313% | 1,455 |
| Credit loss provision to net charge-offs | -7.4890% | 4,466 |
| Earnings coverage of net charge-offs (x) | 90.4802% | 970 |
| Efficiency ratio | 51.4752% | 3,798 |
| Assets per employee ($millions) | 10.2750% | 611 |
| Cash dividends to net income (ytd only)* | 26.7221% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7642% | 4,045 |
| Loan loss allowance to noncurrent loans | 390.5358% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.1279% | 2,705 |
| Noncurrent loans to loans | 0.1957% | 2,574 |
| Net loans and leases to total assets | 64.8400% | 2,357 |
| Net loans and leases to deposits | 73.8435% | 2,581 |
| Net loans and leases to core deposits | 79.2937% | 2,652 |
| Total domestic deposits to total assets | 87.8100% | 1,639 |
| Equity capital to assets | 8.8084% | 2,533 |
| Core capital (leverage) ratio | 11.1641% | 1,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6115% | 869 |
| Memoranda: | ||
| Average total assets | $1,584,579,000 | 692 |
| Average earning assets | $1,449,587,500 | 686 |
| Average equity | $139,300,500 | 711 |
| Average total loans | $967,559,750 | 751 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7490% | 2,108 |
| Cost of funding earning assets | 1.0191% | 2,534 |
| Net interest margin | 3.7299% | 1,757 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 2.0456% | 3,472 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.5097% | 1,081 |
| Return on assets (ROA) | 1.4884% | 1,123 |
| Pretax return on assets | 1.8205% | 974 |
| Return on Equity (ROE) | 16.9400% | 1,108 |
| Retained earnings to average equity (ytd only) | 11.9376% | 997 |
| Net charge-offs to loans | 0.0339% | 1,218 |
| Credit loss provision to net charge-offs | -11.8012% | 4,502 |
| Earnings coverage of net charge-offs (x) | 91.3851% | 986 |
| Efficiency ratio | 50.0516% | 3,925 |
| Assets per employee ($millions) | 10.4172% | 589 |
| Cash dividends to net income (ytd only)* | 29.5384% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8078% | 4,002 |
| Loan loss allowance to noncurrent loans | 608.5913% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.0816% | 2,965 |
| Noncurrent loans to loans | 0.1327% | 2,808 |
| Net loans and leases to total assets | 60.9700% | 2,678 |
| Net loans and leases to deposits | 71.5007% | 2,685 |
| Net loans and leases to core deposits | 75.5935% | 2,783 |
| Total domestic deposits to total assets | 85.2800% | 2,468 |
| Equity capital to assets | 9.0545% | 2,479 |
| Core capital (leverage) ratio | 11.0467% | 1,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5600% | 874 |
| Memoranda: | ||
| Average total assets | $1,592,169,667 | 676 |
| Average earning assets | $1,461,280,333 | 674 |
| Average equity | $139,877,333 | 702 |
| Average total loans | $949,907,000 | 747 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4770% | 2,371 |
| Cost of funding earning assets | 0.7923% | 2,761 |
| Net interest margin | 3.6848% | 1,932 |
| Noninterest income to average assets | 0.4700% | 1,975 |
| Noninterest expense to average assets | 2.0950% | 3,395 |
| Loan and lease loss provision to assets | -0.0600% | 4,531 |
| Net operating income to assets | 1.4814% | 1,219 |
| Return on assets (ROA) | 1.4389% | 1,285 |
| Pretax return on assets | 1.7555% | 1,160 |
| Return on Equity (ROE) | 16.6300% | 1,238 |
| Retained earnings to average equity (ytd only) | 12.2869% | 1,215 |
| Net charge-offs to loans | 0.0153% | 1,393 |
| Credit loss provision to net charge-offs | -652.7778% | 4,637 |
| Earnings coverage of net charge-offs (x) | 193.5000% | 514 |
| Efficiency ratio | 52.0029% | 3,777 |
| Assets per employee ($millions) | 10.4064% | 610 |
| Cash dividends to net income (ytd only)* | 26.1188% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8268% | 4,042 |
| Loan loss allowance to noncurrent loans | 599.2290% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.0825% | 2,976 |
| Noncurrent loans to loans | 0.1380% | 2,808 |
| Net loans and leases to total assets | 59.3200% | 2,736 |
| Net loans and leases to deposits | 66.5942% | 2,887 |
| Net loans and leases to core deposits | 69.2280% | 3,004 |
| Total domestic deposits to total assets | 89.0800% | 1,517 |
| Equity capital to assets | 9.0616% | 2,468 |
| Core capital (leverage) ratio | 10.5124% | 2,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1818% | 967 |
| Memoranda: | ||
| Average total assets | $1,596,547,500 | 690 |
| Average earning assets | $1,462,131,000 | 690 |
| Average equity | $138,130,500 | 719 |
| Average total loans | $938,186,500 | 765 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3939% | 3,359 |
| Cost of funding earning assets | 0.1786% | 3,922 |
| Net interest margin | 3.2153% | 2,826 |
| Noninterest income to average assets | 0.6900% | 1,336 |
| Noninterest expense to average assets | 1.9998% | 3,576 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.3678% | 1,216 |
| Return on assets (ROA) | 1.3678% | 1,174 |
| Pretax return on assets | 1.6673% | 1,003 |
| Return on Equity (ROE) | 17.4400% | 789 |
| Retained earnings to average equity (ytd only) | 12.1314% | 644 |
| Net charge-offs to loans | 0.0548% | 1,114 |
| Credit loss provision to net charge-offs | 19.7026% | 1,935 |
| Earnings coverage of net charge-offs (x) | 56.0019% | 1,300 |
| Efficiency ratio | 51.8053% | 3,994 |
| Assets per employee ($millions) | 10.5995% | 561 |
| Cash dividends to net income (ytd only)* | 30.4507% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5929% | 4,348 |
| Loan loss allowance to noncurrent loans | 402.9028% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 0.0850% | 2,956 |
| Noncurrent loans to loans | 0.1472% | 2,773 |
| Net loans and leases to total assets | 57.4000% | 2,882 |
| Net loans and leases to deposits | 62.8990% | 3,119 |
| Net loans and leases to core deposits | 64.1531% | 3,253 |
| Total domestic deposits to total assets | 91.2600% | 854 |
| Equity capital to assets | 8.2547% | 2,890 |
| Core capital (leverage) ratio | 9.6200% | 3,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3831% | 1,068 |
| Memoranda: | ||
| Average total assets | $1,800,668,800 | 606 |
| Average earning assets | $1,671,265,200 | 597 |
| Average equity | $141,203,400 | 707 |
| Average total loans | $981,425,400 | 697 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1387% | 3,583 |
| Cost of funding earning assets | 0.1664% | 3,666 |
| Net interest margin | 2.9723% | 3,290 |
| Noninterest income to average assets | 0.7300% | 1,213 |
| Noninterest expense to average assets | 1.9794% | 3,537 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2530% | 1,515 |
| Return on assets (ROA) | 1.2530% | 1,485 |
| Pretax return on assets | 1.5231% | 1,347 |
| Return on Equity (ROE) | 16.1700% | 947 |
| Retained earnings to average equity (ytd only) | 10.8063% | 1,105 |
| Net charge-offs to loans | 0.0630% | 860 |
| Credit loss provision to net charge-offs | -6.3966% | 4,609 |
| Earnings coverage of net charge-offs (x) | 44.8849% | 1,334 |
| Efficiency ratio | 53.7990% | 3,836 |
| Assets per employee ($millions) | 10.6319% | 549 |
| Cash dividends to net income (ytd only)* | 33.1546% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5821% | 4,397 |
| Loan loss allowance to noncurrent loans | 374.1473% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.0846% | 3,077 |
| Noncurrent loans to loans | 0.1556% | 2,832 |
| Net loans and leases to total assets | 54.0600% | 3,095 |
| Net loans and leases to deposits | 58.6140% | 3,303 |
| Net loans and leases to core deposits | 59.9864% | 3,385 |
| Total domestic deposits to total assets | 92.2300% | 802 |
| Equity capital to assets | 7.2986% | 3,338 |
| Core capital (leverage) ratio | 9.0386% | 3,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7345% | 1,225 |
| Memoranda: | ||
| Average total assets | $1,845,404,750 | 599 |
| Average earning assets | $1,718,325,500 | 586 |
| Average equity | $143,037,000 | 710 |
| Average total loans | $992,678,000 | 683 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9049% | 3,766 |
| Cost of funding earning assets | 0.1738% | 3,265 |
| Net interest margin | 2.7311% | 3,638 |
| Noninterest income to average assets | 0.8505% | 940 |
| Noninterest expense to average assets | 1.9677% | 3,521 |
| Loan and lease loss provision to assets | -0.0073% | 4,389 |
| Net operating income to assets | 1.1854% | 1,478 |
| Return on assets (ROA) | 1.1854% | 1,454 |
| Pretax return on assets | 1.4375% | 1,336 |
| Return on Equity (ROE) | 15.0248% | 885 |
| Retained earnings to average equity (ytd only) | 9.6396% | 1,110 |
| Net charge-offs to loans | 0.0816% | 662 |
| Credit loss provision to net charge-offs | -16.7476% | 2,987 |
| Earnings coverage of net charge-offs (x) | 32.6796% | 1,356 |
| Efficiency ratio | 55.1002% | 3,862 |
| Assets per employee ($millions) | 10.9681% | 502 |
| Cash dividends to net income (ytd only)* | 35.8423% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5731% | 4,489 |
| Loan loss allowance to noncurrent loans | 483.9930% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.0652% | 3,326 |
| Noncurrent loans to loans | 0.1184% | 3,140 |
| Net loans and leases to total assets | 54.7438% | 2,883 |
| Net loans and leases to deposits | 59.6422% | 3,080 |
| Net loans and leases to core deposits | 61.2580% | 3,180 |
| Total domestic deposits to total assets | 91.7871% | 931 |
| Equity capital to assets | 7.7353% | 3,320 |
| Core capital (leverage) ratio | 8.6488% | 3,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2414% | 1,378 |
| Memoranda: | ||
| Average total assets | $1,882,874,667 | 584 |
| Average earning assets | $1,756,223,000 | 570 |
| Average equity | $148,554,333 | 698 |
| Average total loans | $1,009,455,000 | 669 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7025% | 3,946 |
| Cost of funding earning assets | 0.1907% | 2,934 |
| Net interest margin | 2.5118% | 3,883 |
| Noninterest income to average assets | 0.9386% | 781 |
| Noninterest expense to average assets | 1.9660% | 3,518 |
| Loan and lease loss provision to assets | 0.0303% | 1,824 |
| Net operating income to assets | 1.0652% | 1,638 |
| Return on assets (ROA) | 1.0652% | 1,630 |
| Pretax return on assets | 1.2928% | 1,531 |
| Return on Equity (ROE) | 13.3837% | 960 |
| Retained earnings to average equity (ytd only) | 8.2351% | 1,509 |
| Net charge-offs to loans | 0.1153% | 472 |
| Credit loss provision to net charge-offs | 49.6644% | 1,200 |
| Earnings coverage of net charge-offs (x) | 21.6711% | 1,250 |
| Efficiency ratio | 56.9329% | 3,795 |
| Assets per employee ($millions) | 12.0123% | 396 |
| Cash dividends to net income (ytd only)* | 38.4689% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5794% | 4,520 |
| Loan loss allowance to noncurrent loans | 430.5535% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 0.1017% | 3,096 |
| Noncurrent loans to loans | 0.1346% | 3,136 |
| Net loans and leases to total assets | 51.7651% | 3,008 |
| Net loans and leases to deposits | 56.3678% | 3,235 |
| Net loans and leases to core deposits | 57.7772% | 3,315 |
| Total domestic deposits to total assets | 91.8346% | 643 |
| Equity capital to assets | 7.6087% | 3,850 |
| Core capital (leverage) ratio | 7.9183% | 4,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4533% | 1,653 |
| Memoranda: | ||
| Average total assets | $1,952,351,500 | 561 |
| Average earning assets | $1,827,056,500 | 556 |
| Average equity | $155,383,000 | 693 |
| Average total loans | $1,034,086,500 | 640 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4380% | 2,832 |
| Cost of funding earning assets | 0.2234% | 3,216 |
| Net interest margin | 3.2147% | 2,571 |
| Noninterest income to average assets | 0.5926% | 2,192 |
| Noninterest expense to average assets | 2.6228% | 1,816 |
| Loan and lease loss provision to assets | 0.0676% | 1,717 |
| Net operating income to assets | 0.7693% | 3,425 |
| Return on assets (ROA) | 0.7693% | 3,489 |
| Pretax return on assets | 0.9123% | 3,481 |
| Return on Equity (ROE) | 8.8844% | 2,958 |
| Retained earnings to average equity (ytd only) | 3.0308% | 3,621 |
| Net charge-offs to loans | 0.0531% | 1,265 |
| Credit loss provision to net charge-offs | 209.0722% | 1,285 |
| Earnings coverage of net charge-offs (x) | 30.2969% | 1,600 |
| Efficiency ratio | 70.1048% | 1,718 |
| Assets per employee ($millions) | 11.5265% | 446 |
| Cash dividends to net income (ytd only)* | 65.8864% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5639% | 4,568 |
| Loan loss allowance to noncurrent loans | 462.0849% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.0967% | 3,262 |
| Noncurrent loans to loans | 0.1220% | 3,319 |
| Net loans and leases to total assets | 53.5369% | 2,905 |
| Net loans and leases to deposits | 58.7132% | 3,196 |
| Net loans and leases to core deposits | 60.2316% | 3,298 |
| Total domestic deposits to total assets | 91.1836% | 425 |
| Equity capital to assets | 8.2962% | 4,179 |
| Core capital (leverage) ratio | 7.6943% | 4,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7192% | 1,964 |
| Memoranda: | ||
| Average total assets | $1,499,465,800 | 688 |
| Average earning assets | $1,404,054,200 | 680 |
| Average equity | $129,834,400 | 798 |
| Average total loans | $914,059,400 | 715 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6016% | 2,558 |
| Cost of funding earning assets | 0.2273% | 3,352 |
| Net interest margin | 3.3742% | 2,223 |
| Noninterest income to average assets | 0.6725% | 1,920 |
| Noninterest expense to average assets | 2.9868% | 1,001 |
| Loan and lease loss provision to assets | 0.0460% | 2,076 |
| Net operating income to assets | 0.6472% | 3,908 |
| Return on assets (ROA) | 0.6472% | 3,960 |
| Pretax return on assets | 0.7981% | 3,894 |
| Return on Equity (ROE) | 7.3642% | 3,572 |
| Retained earnings to average equity (ytd only) | 1.2146% | 4,368 |
| Net charge-offs to loans | 0.0470% | 1,189 |
| Credit loss provision to net charge-offs | 154.3689% | 1,343 |
| Earnings coverage of net charge-offs (x) | 28.3074% | 1,554 |
| Efficiency ratio | 75.7104% | 1,057 |
| Assets per employee ($millions) | 10.2769% | 594 |
| Cash dividends to net income (ytd only)* | 83.5073% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5055% | 4,701 |
| Loan loss allowance to noncurrent loans | 308.7864% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.1272% | 3,264 |
| Noncurrent loans to loans | 0.1637% | 3,305 |
| Net loans and leases to total assets | 57.9033% | 2,506 |
| Net loans and leases to deposits | 63.6735% | 2,884 |
| Net loans and leases to core deposits | 65.4498% | 3,004 |
| Total domestic deposits to total assets | 90.9377% | 390 |
| Equity capital to assets | 8.4992% | 4,212 |
| Core capital (leverage) ratio | 7.7463% | 4,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9925% | 2,365 |
| Memoranda: | ||
| Average total assets | $1,381,575,000 | 731 |
| Average earning assets | $1,293,179,000 | 725 |
| Average equity | $121,412,750 | 868 |
| Average total loans | $877,271,500 | 753 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6897% | 2,366 |
| Cost of funding earning assets | 0.2883% | 2,891 |
| Net interest margin | 3.4014% | 2,137 |
| Noninterest income to average assets | 0.6520% | 1,998 |
| Noninterest expense to average assets | 3.1268% | 808 |
| Loan and lease loss provision to assets | 0.0349% | 2,290 |
| Net operating income to assets | 0.5489% | 4,118 |
| Return on assets (ROA) | 0.5489% | 4,161 |
| Pretax return on assets | 0.6729% | 4,116 |
| Return on Equity (ROE) | 6.1395% | 3,871 |
| Retained earnings to average equity (ytd only) | 0.5699% | 4,417 |
| Net charge-offs to loans | 0.0358% | 1,284 |
| Credit loss provision to net charge-offs | 146.8531% | 1,172 |
| Earnings coverage of net charge-offs (x) | 29.8182% | 1,312 |
| Efficiency ratio | 79.5472% | 812 |
| Assets per employee ($millions) | 9.8794% | 634 |
| Cash dividends to net income (ytd only)* | 90.7167% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4735% | 4,756 |
| Loan loss allowance to noncurrent loans | 198.1342% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 0.1839% | 3,039 |
| Noncurrent loans to loans | 0.2390% | 3,089 |
| Net loans and leases to total assets | 62.8239% | 2,081 |
| Net loans and leases to deposits | 71.1957% | 2,279 |
| Net loans and leases to core deposits | 73.4657% | 2,463 |
| Total domestic deposits to total assets | 88.2412% | 1,701 |
| Equity capital to assets | 8.7697% | 3,997 |
| Core capital (leverage) ratio | 7.8567% | 4,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7679% | 2,448 |
| Memoranda: | ||
| Average total assets | $1,204,930,000 | 829 |
| Average earning assets | $1,127,410,667 | 819 |
| Average equity | $107,729,333 | 960 |
| Average total loans | $798,878,667 | 820 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1933% | 3,707 |
| Cost of funding earning assets | 0.3319% | 2,691 |
| Net interest margin | 2.8614% | 3,615 |
| Noninterest income to average assets | 0.4101% | 3,038 |
| Noninterest expense to average assets | 1.9863% | 3,763 |
| Loan and lease loss provision to assets | 0.1589% | 802 |
| Net operating income to assets | 0.7795% | 3,486 |
| Return on assets (ROA) | 0.7795% | 3,553 |
| Pretax return on assets | 0.9691% | 3,461 |
| Return on Equity (ROE) | 8.5474% | 3,173 |
| Retained earnings to average equity (ytd only) | 3.5837% | 3,612 |
| Net charge-offs to loans | 0.1242% | 581 |
| Credit loss provision to net charge-offs | 183.7696% | 916 |
| Earnings coverage of net charge-offs (x) | 13.0471% | 1,411 |
| Efficiency ratio | 63.5320% | 2,526 |
| Assets per employee ($millions) | 11.2026% | 423 |
| Cash dividends to net income (ytd only)* | 58.0720% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9041% | 4,144 |
| Loan loss allowance to noncurrent loans | 1,389.8515% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.0440% | 4,062 |
| Noncurrent loans to loans | 0.0650% | 3,964 |
| Net loans and leases to total assets | 66.9983% | 1,662 |
| Net loans and leases to deposits | 76.4281% | 1,859 |
| Net loans and leases to core deposits | 79.9865% | 2,005 |
| Total domestic deposits to total assets | 87.6618% | 2,011 |
| Equity capital to assets | 8.6275% | 4,025 |
| Core capital (leverage) ratio | 8.9378% | 3,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3518% | 1,794 |
| Memoranda: | ||
| Average total assets | $883,671,000 | 1,055 |
| Average earning assets | $835,123,000 | 1,041 |
| Average equity | $80,586,000 | 1,202 |
| Average total loans | $615,237,500 | 1,000 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7303% | 3,493 |
| Cost of funding earning assets | 0.4591% | 3,226 |
| Net interest margin | 3.2712% | 3,154 |
| Noninterest income to average assets | 0.6956% | 1,881 |
| Noninterest expense to average assets | 2.1661% | 3,767 |
| Loan and lease loss provision to assets | 0.2085% | 1,889 |
| Net operating income to assets | 1.1139% | 1,868 |
| Return on assets (ROA) | 1.1904% | 1,692 |
| Pretax return on assets | 1.4863% | 1,380 |
| Return on Equity (ROE) | 11.7825% | 1,384 |
| Retained earnings to average equity (ytd only) | 6.1839% | 1,718 |
| Net charge-offs to loans | 0.0633% | 1,874 |
| Credit loss provision to net charge-offs | 431.3830% | 1,366 |
| Earnings coverage of net charge-offs (x) | 33.0851% | 1,530 |
| Efficiency ratio | 57.2209% | 3,830 |
| Assets per employee ($millions) | 10.1039% | 511 |
| Cash dividends to net income (ytd only)* | 47.5162% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8951% | 4,194 |
| Loan loss allowance to noncurrent loans | 3,762.0690% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.0171% | 4,314 |
| Noncurrent loans to loans | 0.0238% | 4,233 |
| Net loans and leases to total assets | 71.1594% | 1,406 |
| Net loans and leases to deposits | 82.4367% | 1,612 |
| Net loans and leases to core deposits | 86.5059% | 1,826 |
| Total domestic deposits to total assets | 86.3200% | 2,225 |
| Equity capital to assets | 9.6520% | 3,454 |
| Core capital (leverage) ratio | 9.4583% | 3,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2194% | 1,772 |
| Memoranda: | ||
| Average total assets | $777,894,000 | 1,083 |
| Average earning assets | $729,973,400 | 1,065 |
| Average equity | $78,591,000 | 1,174 |
| Average total loans | $594,445,400 | 989 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7200% | 3,758 |
| Cost of funding earning assets | 0.5003% | 3,223 |
| Net interest margin | 3.2197% | 3,428 |
| Noninterest income to average assets | 0.6528% | 1,977 |
| Noninterest expense to average assets | 2.1892% | 3,704 |
| Loan and lease loss provision to assets | 0.2398% | 1,690 |
| Net operating income to assets | 0.9955% | 2,358 |
| Return on assets (ROA) | 1.0999% | 2,106 |
| Pretax return on assets | 1.3654% | 1,835 |
| Return on Equity (ROE) | 10.7526% | 1,760 |
| Retained earnings to average equity (ytd only) | 6.6374% | 1,836 |
| Net charge-offs to loans | 0.0546% | 1,826 |
| Credit loss provision to net charge-offs | 564.8760% | 1,199 |
| Earnings coverage of net charge-offs (x) | 34.7810% | 1,470 |
| Efficiency ratio | 59.3760% | 3,474 |
| Assets per employee ($millions) | 9.6608% | 566 |
| Cash dividends to net income (ytd only)* | 38.2714% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8374% | 4,266 |
| Loan loss allowance to noncurrent loans | 7,620.0000% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 4,465 |
| Noncurrent loans to loans | 0.0110% | 4,400 |
| Net loans and leases to total assets | 76.9147% | 972 |
| Net loans and leases to deposits | 90.7638% | 1,190 |
| Net loans and leases to core deposits | 95.4752% | 1,503 |
| Total domestic deposits to total assets | 84.7415% | 2,535 |
| Equity capital to assets | 9.8238% | 3,403 |
| Core capital (leverage) ratio | 9.4471% | 3,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4422% | 1,678 |
| Memoranda: | ||
| Average total assets | $760,185,000 | 1,085 |
| Average earning assets | $711,313,000 | 1,074 |
| Average equity | $77,759,000 | 1,172 |
| Average total loans | $590,705,250 | 988 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7860% | 3,897 |
| Cost of funding earning assets | 0.5632% | 3,165 |
| Net interest margin | 3.2228% | 3,599 |
| Noninterest income to average assets | 0.6693% | 1,862 |
| Noninterest expense to average assets | 2.2164% | 3,733 |
| Loan and lease loss provision to assets | 0.3090% | 1,397 |
| Net operating income to assets | 0.9273% | 2,598 |
| Return on assets (ROA) | 1.0680% | 2,201 |
| Pretax return on assets | 1.3265% | 1,944 |
| Return on Equity (ROE) | 10.2906% | 1,888 |
| Retained earnings to average equity (ytd only) | 6.1233% | 2,017 |
| Net charge-offs to loans | 0.1512% | 962 |
| Credit loss provision to net charge-offs | 262.7586% | 1,716 |
| Earnings coverage of net charge-offs (x) | 12.4299% | 2,055 |
| Efficiency ratio | 59.8486% | 3,426 |
| Assets per employee ($millions) | 9.4058% | 606 |
| Cash dividends to net income (ytd only)* | 40.4961% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7775% | 4,396 |
| Loan loss allowance to noncurrent loans | 451.9301% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.1361% | 3,841 |
| Noncurrent loans to loans | 0.1720% | 3,762 |
| Net loans and leases to total assets | 78.4846% | 789 |
| Net loans and leases to deposits | 87.6369% | 1,597 |
| Net loans and leases to core deposits | 91.9341% | 1,912 |
| Total domestic deposits to total assets | 89.5565% | 548 |
| Equity capital to assets | 9.8705% | 3,312 |
| Core capital (leverage) ratio | 9.8267% | 2,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5105% | 1,630 |
| Memoranda: | ||
| Average total assets | $739,856,333 | 1,091 |
| Average earning assets | $690,711,000 | 1,089 |
| Average equity | $76,788,667 | 1,181 |
| Average total loans | $575,295,333 | 994 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9869% | 3,825 |
| Cost of funding earning assets | 0.7222% | 2,823 |
| Net interest margin | 3.2647% | 3,677 |
| Noninterest income to average assets | 0.8552% | 1,154 |
| Noninterest expense to average assets | 2.3745% | 3,595 |
| Loan and lease loss provision to assets | 0.4310% | 701 |
| Net operating income to assets | 0.8704% | 2,613 |
| Return on assets (ROA) | 0.8946% | 2,647 |
| Pretax return on assets | 1.1075% | 2,496 |
| Return on Equity (ROE) | 8.3881% | 2,348 |
| Retained earnings to average equity (ytd only) | 4.1624% | 2,622 |
| Net charge-offs to loans | 0.1975% | 694 |
| Credit loss provision to net charge-offs | 283.3333% | 1,217 |
| Earnings coverage of net charge-offs (x) | 9.9185% | 1,797 |
| Efficiency ratio | 60.5832% | 3,667 |
| Assets per employee ($millions) | 8.2457% | 673 |
| Cash dividends to net income (ytd only)* | 50.3778% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8492% | 4,278 |
| Loan loss allowance to noncurrent loans | 467.5944% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.1402% | 3,949 |
| Noncurrent loans to loans | 0.1816% | 3,823 |
| Net loans and leases to total assets | 76.5640% | 1,202 |
| Net loans and leases to deposits | 86.2590% | 1,964 |
| Net loans and leases to core deposits | 91.2714% | 2,227 |
| Total domestic deposits to total assets | 88.7606% | 775 |
| Equity capital to assets | 10.5796% | 3,249 |
| Core capital (leverage) ratio | 10.5254% | 2,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9607% | 2,299 |
| Memoranda: | ||
| Average total assets | $710,039,000 | 1,102 |
| Average earning assets | $658,556,500 | 1,094 |
| Average equity | $75,726,000 | 1,191 |
| Average total loans | $546,746,000 | 1,016 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3103% | 3,513 |
| Cost of funding earning assets | 0.7030% | 3,146 |
| Net interest margin | 3.6072% | 3,113 |
| Noninterest income to average assets | 0.7702% | 1,543 |
| Noninterest expense to average assets | 2.4948% | 3,463 |
| Loan and lease loss provision to assets | 0.2099% | 956 |
| Net operating income to assets | 1.1477% | 2,263 |
| Return on assets (ROA) | 1.1568% | 2,322 |
| Pretax return on assets | 1.4232% | 2,072 |
| Return on Equity (ROE) | 10.3583% | 2,139 |
| Retained earnings to average equity (ytd only) | 5.7115% | 2,023 |
| Net charge-offs to loans | 0.3883% | 501 |
| Credit loss provision to net charge-offs | 66.8449% | 2,950 |
| Earnings coverage of net charge-offs (x) | 5.1653% | 3,124 |
| Efficiency ratio | 60.2929% | 3,647 |
| Assets per employee ($millions) | 7.3968% | 900 |
| Cash dividends to net income (ytd only)* | 44.8608% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7801% | 4,369 |
| Loan loss allowance to noncurrent loans | 393.3645% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.1523% | 3,871 |
| Noncurrent loans to loans | 0.1983% | 3,747 |
| Net loans and leases to total assets | 76.1812% | 1,381 |
| Net loans and leases to deposits | 85.9717% | 2,092 |
| Net loans and leases to core deposits | 91.6232% | 2,263 |
| Total domestic deposits to total assets | 88.6120% | 831 |
| Equity capital to assets | 10.7523% | 3,218 |
| Core capital (leverage) ratio | 10.7301% | 2,734 |
| Tier 1 risk-based capital ratio | 14.1754% | 3,174 |
| Total risk-based capital ratio | 14.9786% | 3,303 |
| Memoranda: | ||
| Average total assets | $655,157,400 | 1,141 |
| Average earning assets | $607,782,800 | 1,130 |
| Average equity | $73,168,600 | 1,179 |
| Average total loans | $529,790,200 | 1,022 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3790% | 3,427 |
| Cost of funding earning assets | 0.6893% | 3,263 |
| Net interest margin | 3.6897% | 2,954 |
| Noninterest income to average assets | 0.8052% | 1,400 |
| Noninterest expense to average assets | 2.5857% | 3,204 |
| Loan and lease loss provision to assets | 0.1036% | 1,854 |
| Net operating income to assets | 1.2518% | 2,012 |
| Return on assets (ROA) | 1.2637% | 2,049 |
| Pretax return on assets | 1.5512% | 1,810 |
| Return on Equity (ROE) | 11.2015% | 1,927 |
| Retained earnings to average equity (ytd only) | 6.4247% | 2,159 |
| Net charge-offs to loans | 0.3560% | 476 |
| Credit loss provision to net charge-offs | 35.5114% | 2,882 |
| Earnings coverage of net charge-offs (x) | 5.6200% | 2,904 |
| Efficiency ratio | 61.1880% | 3,453 |
| Assets per employee ($millions) | 7.4188% | 873 |
| Cash dividends to net income (ytd only)* | 42.6439% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7629% | 4,516 |
| Loan loss allowance to noncurrent loans | 743.0970% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.0812% | 4,315 |
| Noncurrent loans to loans | 0.1027% | 4,183 |
| Net loans and leases to total assets | 78.4708% | 1,061 |
| Net loans and leases to deposits | 89.1750% | 1,792 |
| Net loans and leases to core deposits | 95.3333% | 2,048 |
| Total domestic deposits to total assets | 87.9965% | 1,035 |
| Equity capital to assets | 11.3559% | 2,792 |
| Core capital (leverage) ratio | 11.3367% | 2,351 |
| Tier 1 risk-based capital ratio | 14.6569% | 3,006 |
| Total risk-based capital ratio | 15.4505% | 3,130 |
| Memoranda: | ||
| Average total assets | $643,272,250 | 1,159 |
| Average earning assets | $596,343,000 | 1,152 |
| Average equity | $72,571,750 | 1,183 |
| Average total loans | $527,354,500 | 1,021 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3959% | 3,343 |
| Cost of funding earning assets | 0.6685% | 3,322 |
| Net interest margin | 3.7274% | 2,842 |
| Noninterest income to average assets | 0.8256% | 1,262 |
| Noninterest expense to average assets | 2.6101% | 3,176 |
| Loan and lease loss provision to assets | 0.1945% | 897 |
| Net operating income to assets | 1.2160% | 2,089 |
| Return on assets (ROA) | 1.2324% | 2,087 |
| Pretax return on assets | 1.5006% | 1,858 |
| Return on Equity (ROE) | 10.9490% | 1,998 |
| Retained earnings to average equity (ytd only) | 5.9329% | 2,313 |
| Net charge-offs to loans | 0.2623% | 633 |
| Credit loss provision to net charge-offs | 89.3372% | 2,142 |
| Earnings coverage of net charge-offs (x) | 7.6945% | 2,469 |
| Efficiency ratio | 60.9106% | 3,592 |
| Assets per employee ($millions) | 7.0355% | 984 |
| Cash dividends to net income (ytd only)* | 45.8132% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9232% | 3,991 |
| Loan loss allowance to noncurrent loans | 478.3515% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.1590% | 3,967 |
| Noncurrent loans to loans | 0.1930% | 3,863 |
| Net loans and leases to total assets | 81.6406% | 659 |
| Net loans and leases to deposits | 93.1298% | 1,359 |
| Net loans and leases to core deposits | 99.9179% | 1,729 |
| Total domestic deposits to total assets | 87.6632% | 1,263 |
| Equity capital to assets | 11.6097% | 2,515 |
| Core capital (leverage) ratio | 11.3906% | 2,255 |
| Tier 1 risk-based capital ratio | 14.5289% | 3,055 |
| Total risk-based capital ratio | 15.4970% | 3,103 |
| Memoranda: | ||
| Average total assets | $637,605,670 | 1,164 |
| Average earning assets | $591,778,670 | 1,159 |
| Average equity | $71,769,000 | 1,186 |
| Average total loans | $529,104,670 | 1,015 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3558% | 3,388 |
| Cost of funding earning assets | 0.6101% | 3,509 |
| Net interest margin | 3.7456% | 2,721 |
| Noninterest income to average assets | 0.6596% | 1,783 |
| Noninterest expense to average assets | 2.5132% | 3,463 |
| Loan and lease loss provision to assets | 0.4276% | 266 |
| Net operating income to assets | 0.9722% | 2,964 |
| Return on assets (ROA) | 0.9722% | 3,004 |
| Pretax return on assets | 1.1997% | 2,803 |
| Return on Equity (ROE) | 8.7732% | 2,911 |
| Retained earnings to average equity (ytd only) | 4.2597% | 3,215 |
| Net charge-offs to loans | 0.5030% | 300 |
| Credit loss provision to net charge-offs | 102.0896% | 1,550 |
| Earnings coverage of net charge-offs (x) | 3.8851% | 2,367 |
| Efficiency ratio | 60.6976% | 3,721 |
| Assets per employee ($millions) | 7.2167% | 911 |
| Cash dividends to net income (ytd only)* | 51.4469% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9283% | 4,041 |
| Loan loss allowance to noncurrent loans | 415.3260% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.1860% | 3,884 |
| Noncurrent loans to loans | 0.2235% | 3,789 |
| Net loans and leases to total assets | 82.4254% | 536 |
| Net loans and leases to deposits | 93.7366% | 1,203 |
| Net loans and leases to core deposits | 101.7146% | 1,487 |
| Total domestic deposits to total assets | 87.9331% | 1,377 |
| Equity capital to assets | 11.2826% | 2,576 |
| Core capital (leverage) ratio | 11.2429% | 2,348 |
| Tier 1 risk-based capital ratio | 14.0044% | 3,334 |
| Total risk-based capital ratio | 14.9731% | 3,398 |
| Memoranda: | ||
| Average total assets | $639,810,000 | 1,168 |
| Average earning assets | $594,615,500 | 1,158 |
| Average equity | $70,897,500 | 1,196 |
| Average total loans | $532,775,500 | 1,018 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3045% | 3,099 |
| Cost of funding earning assets | 0.4675% | 3,566 |
| Net interest margin | 3.8369% | 2,545 |
| Noninterest income to average assets | 0.8657% | 1,278 |
| Noninterest expense to average assets | 2.4395% | 3,772 |
| Loan and lease loss provision to assets | 0.2932% | 552 |
| Net operating income to assets | 1.3807% | 1,498 |
| Return on assets (ROA) | 1.3807% | 1,489 |
| Pretax return on assets | 1.7171% | 1,122 |
| Return on Equity (ROE) | 13.1570% | 1,285 |
| Retained earnings to average equity (ytd only) | 9.8006% | 654 |
| Net charge-offs to loans | 0.1932% | 996 |
| Credit loss provision to net charge-offs | 182.7317% | 1,548 |
| Earnings coverage of net charge-offs (x) | 12.5288% | 2,522 |
| Efficiency ratio | 54.4396% | 4,574 |
| Assets per employee ($millions) | 7.4948% | 794 |
| Cash dividends to net income (ytd only)* | 25.5102% | 3,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9105% | 4,113 |
| Loan loss allowance to noncurrent loans | 323.9073% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.2343% | 3,662 |
| Noncurrent loans to loans | 0.2811% | 3,561 |
| Net loans and leases to total assets | 82.5841% | 580 |
| Net loans and leases to deposits | 92.7867% | 1,424 |
| Net loans and leases to core deposits | 97.5494% | 1,902 |
| Total domestic deposits to total assets | 89.0042% | 852 |
| Equity capital to assets | 10.8824% | 2,806 |
| Core capital (leverage) ratio | 11.0509% | 2,481 |
| Tier 1 risk-based capital ratio | 13.4694% | 3,563 |
| Total risk-based capital ratio | 14.4087% | 3,640 |
| Memoranda: | ||
| Average total assets | $638,822,800 | 1,138 |
| Average earning assets | $596,727,800 | 1,120 |
| Average equity | $67,036,800 | 1,207 |
| Average total loans | $530,607,000 | 985 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2848% | 3,022 |
| Cost of funding earning assets | 0.4396% | 3,602 |
| Net interest margin | 3.8452% | 2,485 |
| Noninterest income to average assets | 0.8974% | 1,209 |
| Noninterest expense to average assets | 2.4526% | 3,722 |
| Loan and lease loss provision to assets | 0.1862% | 969 |
| Net operating income to assets | 1.4883% | 1,225 |
| Return on assets (ROA) | 1.4883% | 1,225 |
| Pretax return on assets | 1.8523% | 899 |
| Return on Equity (ROE) | 14.3169% | 1,032 |
| Retained earnings to average equity (ytd only) | 11.2986% | 590 |
| Net charge-offs to loans | 0.0643% | 1,913 |
| Credit loss provision to net charge-offs | 349.0196% | 898 |
| Earnings coverage of net charge-offs (x) | 38.2159% | 1,391 |
| Efficiency ratio | 54.2245% | 4,587 |
| Assets per employee ($millions) | 8.2442% | 584 |
| Cash dividends to net income (ytd only)* | 21.0822% | 2,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8871% | 4,313 |
| Loan loss allowance to noncurrent loans | 430.7551% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.1733% | 4,084 |
| Noncurrent loans to loans | 0.2059% | 3,980 |
| Net loans and leases to total assets | 83.4154% | 526 |
| Net loans and leases to deposits | 96.8050% | 1,058 |
| Net loans and leases to core deposits | 106.1139% | 1,302 |
| Total domestic deposits to total assets | 86.1685% | 2,112 |
| Equity capital to assets | 10.9346% | 2,720 |
| Core capital (leverage) ratio | 10.8394% | 2,750 |
| Tier 1 risk-based capital ratio | 13.2567% | 3,754 |
| Total risk-based capital ratio | 14.1536% | 3,866 |
| Memoranda: | ||
| Average total assets | $637,390,000 | 1,138 |
| Average earning assets | $595,703,750 | 1,121 |
| Average equity | $66,260,250 | 1,217 |
| Average total loans | $528,961,250 | 987 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1750% | 3,188 |
| Cost of funding earning assets | 0.3723% | 3,924 |
| Net interest margin | 3.8027% | 2,554 |
| Noninterest income to average assets | 0.9426% | 1,071 |
| Noninterest expense to average assets | 2.4309% | 3,817 |
| Loan and lease loss provision to assets | 0.1891% | 928 |
| Net operating income to assets | 1.5070% | 1,144 |
| Return on assets (ROA) | 1.5070% | 1,138 |
| Pretax return on assets | 1.8761% | 823 |
| Return on Equity (ROE) | 14.7459% | 905 |
| Retained earnings to average equity (ytd only) | 11.6929% | 561 |
| Net charge-offs to loans | -0.0185% | 4,535 |
| Credit loss provision to net charge-offs | -1,236.7347% | 4,557 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6641% | 4,725 |
| Assets per employee ($millions) | 8.6112% | 502 |
| Cash dividends to net income (ytd only)* | 20.7039% | 2,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8781% | 4,432 |
| Loan loss allowance to noncurrent loans | 796.2712% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.0902% | 4,562 |
| Noncurrent loans to loans | 0.1103% | 4,416 |
| Net loans and leases to total assets | 81.0312% | 852 |
| Net loans and leases to deposits | 98.4998% | 926 |
| Net loans and leases to core deposits | 107.6012% | 1,144 |
| Total domestic deposits to total assets | 82.2654% | 3,640 |
| Equity capital to assets | 10.2298% | 3,413 |
| Core capital (leverage) ratio | 10.5568% | 2,977 |
| Tier 1 risk-based capital ratio | 12.7263% | 4,049 |
| Total risk-based capital ratio | 13.6140% | 4,155 |
| Memoranda: | ||
| Average total assets | $640,999,330 | 1,135 |
| Average earning assets | $598,991,000 | 1,120 |
| Average equity | $65,509,670 | 1,226 |
| Average total loans | $529,506,000 | 987 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1457% | 3,074 |
| Cost of funding earning assets | 0.2998% | 4,354 |
| Net interest margin | 3.8459% | 2,240 |
| Noninterest income to average assets | 1.0809% | 784 |
| Noninterest expense to average assets | 2.4595% | 3,779 |
| Loan and lease loss provision to assets | -0.0605% | 5,473 |
| Net operating income to assets | 1.8219% | 540 |
| Return on assets (ROA) | 1.8219% | 543 |
| Pretax return on assets | 2.2741% | 336 |
| Return on Equity (ROE) | 17.8361% | 429 |
| Retained earnings to average equity (ytd only) | 14.7492% | 343 |
| Net charge-offs to loans | -0.0061% | 4,070 |
| Credit loss provision to net charge-offs | 1,200.0000% | 294 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1997% | 4,950 |
| Assets per employee ($millions) | 8.0136% | 625 |
| Cash dividends to net income (ytd only)* | 17.3070% | 2,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7537% | 4,910 |
| Loan loss allowance to noncurrent loans | 721.7153% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.0877% | 4,651 |
| Noncurrent loans to loans | 0.1044% | 4,504 |
| Net loans and leases to total assets | 83.3160% | 510 |
| Net loans and leases to deposits | 98.9623% | 784 |
| Net loans and leases to core deposits | 111.3898% | 923 |
| Total domestic deposits to total assets | 84.1897% | 3,245 |
| Equity capital to assets | 10.4971% | 3,081 |
| Core capital (leverage) ratio | 10.4137% | 3,047 |
| Tier 1 risk-based capital ratio | 12.5663% | 4,201 |
| Total risk-based capital ratio | 13.3214% | 4,398 |
| Memoranda: | ||
| Average total assets | $634,275,000 | 1,160 |
| Average earning assets | $592,416,000 | 1,143 |
| Average equity | $64,790,000 | 1,241 |
| Average total loans | $526,756,500 | 997 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8868% | 3,771 |
| Cost of funding earning assets | 0.2121% | 4,856 |
| Net interest margin | 3.6747% | 2,896 |
| Noninterest income to average assets | 0.9573% | 1,117 |
| Noninterest expense to average assets | 2.4905% | 3,815 |
| Loan and lease loss provision to assets | 0.0672% | 2,860 |
| Net operating income to assets | 1.1015% | 1,852 |
| Return on assets (ROA) | 1.0938% | 1,897 |
| Pretax return on assets | 1.8237% | 746 |
| Return on Equity (ROE) | 11.1146% | 1,432 |
| Retained earnings to average equity (ytd only) | 9.9386% | 355 |
| Net charge-offs to loans | 0.0126% | 3,641 |
| Credit loss provision to net charge-offs | 663.4921% | 493 |
| Earnings coverage of net charge-offs (x) | 187.9206% | 418 |
| Efficiency ratio | 56.2763% | 4,743 |
| Assets per employee ($millions) | 7.9443% | 648 |
| Cash dividends to net income (ytd only)* | 10.5805% | 3,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7646% | 4,919 |
| Loan loss allowance to noncurrent loans | 867.5966% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.0724% | 4,755 |
| Noncurrent loans to loans | 0.0881% | 4,608 |
| Net loans and leases to total assets | 81.5460% | 747 |
| Net loans and leases to deposits | 96.4246% | 1,046 |
| Net loans and leases to core deposits | 108.5481% | 1,095 |
| Total domestic deposits to total assets | 84.5696% | 3,008 |
| Equity capital to assets | 9.9406% | 3,771 |
| Core capital (leverage) ratio | 10.3752% | 2,993 |
| Tier 1 risk-based capital ratio | 11.9970% | 4,528 |
| Total risk-based capital ratio | 12.7564% | 4,743 |
| Memoranda: | ||
| Average total assets | $622,135,800 | 1,162 |
| Average earning assets | $581,741,400 | 1,144 |
| Average equity | $61,225,800 | 1,291 |
| Average total loans | $498,447,800 | 1,028 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8745% | 3,756 |
| Cost of funding earning assets | 0.2113% | 4,877 |
| Net interest margin | 3.6633% | 2,899 |
| Noninterest income to average assets | 0.8234% | 1,506 |
| Noninterest expense to average assets | 2.4148% | 3,983 |
| Loan and lease loss provision to assets | 0.0460% | 3,181 |
| Net operating income to assets | 1.2194% | 1,613 |
| Return on assets (ROA) | 1.2084% | 1,691 |
| Pretax return on assets | 1.7756% | 937 |
| Return on Equity (ROE) | 12.3110% | 1,239 |
| Retained earnings to average equity (ytd only) | 10.7253% | 456 |
| Net charge-offs to loans | 0.0209% | 3,065 |
| Credit loss provision to net charge-offs | 276.6234% | 1,054 |
| Earnings coverage of net charge-offs (x) | 110.4200% | 652 |
| Efficiency ratio | 56.3412% | 4,700 |
| Assets per employee ($millions) | 7.3492% | 812 |
| Cash dividends to net income (ytd only)* | 12.8802% | 3,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7632% | 4,991 |
| Loan loss allowance to noncurrent loans | 724.2424% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.0866% | 4,810 |
| Noncurrent loans to loans | 0.1054% | 4,638 |
| Net loans and leases to total assets | 81.5105% | 767 |
| Net loans and leases to deposits | 97.6501% | 955 |
| Net loans and leases to core deposits | 111.8628% | 930 |
| Total domestic deposits to total assets | 83.4720% | 3,298 |
| Equity capital to assets | 10.3600% | 3,526 |
| Core capital (leverage) ratio | 10.0418% | 3,522 |
| Tier 1 risk-based capital ratio | 12.4321% | 4,364 |
| Total risk-based capital ratio | 13.1911% | 4,546 |
| Memoranda: | ||
| Average total assets | $616,797,000 | 1,177 |
| Average earning assets | $577,394,750 | 1,160 |
| Average equity | $60,540,500 | 1,314 |
| Average total loans | $490,863,750 | 1,049 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7871% | 3,937 |
| Cost of funding earning assets | 0.2037% | 4,937 |
| Net interest margin | 3.5834% | 3,097 |
| Noninterest income to average assets | 0.8309% | 1,465 |
| Noninterest expense to average assets | 2.3755% | 4,132 |
| Loan and lease loss provision to assets | 0.0145% | 3,663 |
| Net operating income to assets | 1.2200% | 1,533 |
| Return on assets (ROA) | 1.2209% | 1,570 |
| Pretax return on assets | 1.7959% | 850 |
| Return on Equity (ROE) | 12.6693% | 1,121 |
| Retained earnings to average equity (ytd only) | 10.2555% | 540 |
| Net charge-offs to loans | 0.0131% | 2,991 |
| Credit loss provision to net charge-offs | 140.6250% | 1,589 |
| Earnings coverage of net charge-offs (x) | 175.0000% | 448 |
| Efficiency ratio | 56.2881% | 4,798 |
| Assets per employee ($millions) | 7.4001% | 778 |
| Cash dividends to net income (ytd only)* | 19.0527% | 3,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7510% | 5,082 |
| Loan loss allowance to noncurrent loans | 860.6977% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.0700% | 4,916 |
| Noncurrent loans to loans | 0.0873% | 4,780 |
| Net loans and leases to total assets | 79.6313% | 1,005 |
| Net loans and leases to deposits | 91.8960% | 1,507 |
| Net loans and leases to core deposits | 106.7044% | 1,181 |
| Total domestic deposits to total assets | 86.6537% | 2,111 |
| Equity capital to assets | 10.0191% | 3,888 |
| Core capital (leverage) ratio | 9.4060% | 4,222 |
| Tier 1 risk-based capital ratio | 12.0337% | 4,612 |
| Total risk-based capital ratio | 12.7662% | 4,840 |
| Memoranda: | ||
| Average total assets | $619,068,330 | 1,177 |
| Average earning assets | $579,391,670 | 1,159 |
| Average equity | $59,656,000 | 1,324 |
| Average total loans | $487,477,000 | 1,057 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6673% | 4,215 |
| Cost of funding earning assets | 0.1899% | 5,065 |
| Net interest margin | 3.4774% | 3,367 |
| Noninterest income to average assets | 0.8013% | 1,544 |
| Noninterest expense to average assets | 2.4019% | 4,104 |
| Loan and lease loss provision to assets | -0.0451% | 5,710 |
| Net operating income to assets | 1.1555% | 1,641 |
| Return on assets (ROA) | 1.1572% | 1,675 |
| Pretax return on assets | 1.6998% | 1,006 |
| Return on Equity (ROE) | 12.2490% | 1,176 |
| Retained earnings to average equity (ytd only) | 10.0690% | 794 |
| Net charge-offs to loans | -0.0124% | 4,512 |
| Credit loss provision to net charge-offs | 466.6667% | 592 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6760% | 4,633 |
| Assets per employee ($millions) | 7.6911% | 703 |
| Cash dividends to net income (ytd only)* | 17.7976% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7452% | 5,211 |
| Loan loss allowance to noncurrent loans | 1,043.9655% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.0545% | 5,077 |
| Noncurrent loans to loans | 0.0714% | 4,915 |
| Net loans and leases to total assets | 75.7975% | 1,445 |
| Net loans and leases to deposits | 85.7843% | 2,054 |
| Net loans and leases to core deposits | 98.8925% | 1,587 |
| Total domestic deposits to total assets | 88.3583% | 1,503 |
| Equity capital to assets | 9.3347% | 4,461 |
| Core capital (leverage) ratio | 9.6097% | 3,979 |
| Tier 1 risk-based capital ratio | 11.9640% | 4,741 |
| Total risk-based capital ratio | 12.6982% | 4,959 |
| Memoranda: | ||
| Average total assets | $621,499,000 | 1,169 |
| Average earning assets | $581,359,500 | 1,159 |
| Average equity | $58,715,000 | 1,341 |
| Average total loans | $484,814,500 | 1,049 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6315% | 4,431 |
| Cost of funding earning assets | 0.1771% | 5,238 |
| Net interest margin | 3.4544% | 3,608 |
| Noninterest income to average assets | 0.9302% | 1,321 |
| Noninterest expense to average assets | 2.6240% | 3,607 |
| Loan and lease loss provision to assets | 0.0195% | 3,983 |
| Net operating income to assets | 1.0339% | 2,212 |
| Return on assets (ROA) | 1.0578% | 2,207 |
| Pretax return on assets | 1.5372% | 1,469 |
| Return on Equity (ROE) | 10.6298% | 1,718 |
| Retained earnings to average equity (ytd only) | 6.3326% | 1,537 |
| Net charge-offs to loans | -0.0023% | 4,716 |
| Credit loss provision to net charge-offs | -1,110.0000% | 5,311 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8947% | 4,124 |
| Assets per employee ($millions) | 7.1134% | 870 |
| Cash dividends to net income (ytd only)* | 40.4259% | 2,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7649% | 5,199 |
| Loan loss allowance to noncurrent loans | 983.4667% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.0620% | 5,087 |
| Noncurrent loans to loans | 0.0778% | 4,929 |
| Net loans and leases to total assets | 79.1295% | 1,024 |
| Net loans and leases to deposits | 90.9920% | 1,578 |
| Net loans and leases to core deposits | 103.2413% | 1,340 |
| Total domestic deposits to total assets | 86.9631% | 2,168 |
| Equity capital to assets | 9.5662% | 4,201 |
| Core capital (leverage) ratio | 10.0999% | 3,368 |
| Tier 1 risk-based capital ratio | 11.6677% | 4,947 |
| Total risk-based capital ratio | 12.4117% | 5,139 |
| Memoranda: | ||
| Average total assets | $568,255,800 | 1,228 |
| Average earning assets | $529,009,000 | 1,209 |
| Average equity | $56,548,600 | 1,364 |
| Average total loans | $437,174,000 | 1,117 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6378% | 4,440 |
| Cost of funding earning assets | 0.1820% | 5,252 |
| Net interest margin | 3.4558% | 3,647 |
| Noninterest income to average assets | 0.8582% | 1,552 |
| Noninterest expense to average assets | 2.6456% | 3,513 |
| Loan and lease loss provision to assets | -0.0692% | 5,750 |
| Net operating income to assets | 1.0309% | 2,288 |
| Return on assets (ROA) | 1.0620% | 2,262 |
| Pretax return on assets | 1.5413% | 1,569 |
| Return on Equity (ROE) | 10.5620% | 1,846 |
| Retained earnings to average equity (ytd only) | 5.5584% | 2,454 |
| Net charge-offs to loans | -0.0003% | 4,411 |
| Credit loss provision to net charge-offs | 29,000.0000% | 11 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5609% | 3,845 |
| Assets per employee ($millions) | 6.4667% | 1,127 |
| Cash dividends to net income (ytd only)* | 47.3731% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7608% | 5,300 |
| Loan loss allowance to noncurrent loans | 583.2740% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.0988% | 5,039 |
| Noncurrent loans to loans | 0.1304% | 4,818 |
| Net loans and leases to total assets | 75.1424% | 1,678 |
| Net loans and leases to deposits | 86.1144% | 2,245 |
| Net loans and leases to core deposits | 97.6678% | 1,846 |
| Total domestic deposits to total assets | 87.2588% | 1,775 |
| Equity capital to assets | 10.1738% | 3,952 |
| Core capital (leverage) ratio | 9.9956% | 3,576 |
| Tier 1 risk-based capital ratio | 12.0459% | 4,762 |
| Total risk-based capital ratio | 12.7437% | 5,001 |
| Memoranda: | ||
| Average total assets | $559,160,250 | 1,247 |
| Average earning assets | $520,120,750 | 1,231 |
| Average equity | $56,225,500 | 1,377 |
| Average total loans | $425,933,750 | 1,147 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6500% | 4,450 |
| Cost of funding earning assets | 0.1840% | 5,287 |
| Net interest margin | 3.4659% | 3,628 |
| Noninterest income to average assets | 0.8513% | 1,540 |
| Noninterest expense to average assets | 2.6420% | 3,565 |
| Loan and lease loss provision to assets | -0.1421% | 5,908 |
| Net operating income to assets | 1.0814% | 2,033 |
| Return on assets (ROA) | 1.0834% | 2,152 |
| Pretax return on assets | 1.5727% | 1,448 |
| Return on Equity (ROE) | 10.8176% | 1,709 |
| Retained earnings to average equity (ytd only) | 4.3867% | 3,126 |
| Net charge-offs to loans | -0.0066% | 4,590 |
| Credit loss provision to net charge-offs | 2,821.4286% | 161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5478% | 3,925 |
| Assets per employee ($millions) | 6.2670% | 1,215 |
| Cash dividends to net income (ytd only)* | 59.4487% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7504% | 5,403 |
| Loan loss allowance to noncurrent loans | 827.5325% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.0706% | 5,265 |
| Noncurrent loans to loans | 0.0907% | 5,088 |
| Net loans and leases to total assets | 77.2903% | 1,291 |
| Net loans and leases to deposits | 89.3453% | 1,827 |
| Net loans and leases to core deposits | 102.0460% | 1,467 |
| Total domestic deposits to total assets | 86.5074% | 2,166 |
| Equity capital to assets | 10.4155% | 3,724 |
| Core capital (leverage) ratio | 10.1463% | 3,392 |
| Tier 1 risk-based capital ratio | 12.2391% | 4,679 |
| Total risk-based capital ratio | 12.9423% | 4,934 |
| Memoranda: | ||
| Average total assets | $555,857,330 | 1,259 |
| Average earning assets | $516,166,330 | 1,244 |
| Average equity | $55,668,670 | 1,388 |
| Average total loans | $424,281,670 | 1,148 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6458% | 4,485 |
| Cost of funding earning assets | 0.1841% | 5,339 |
| Net interest margin | 3.4618% | 3,613 |
| Noninterest income to average assets | 0.7955% | 1,630 |
| Noninterest expense to average assets | 2.6045% | 3,736 |
| Loan and lease loss provision to assets | -0.0855% | 5,976 |
| Net operating income to assets | 1.0310% | 2,156 |
| Return on assets (ROA) | 1.0350% | 2,261 |
| Pretax return on assets | 1.4997% | 1,585 |
| Return on Equity (ROE) | 10.5391% | 1,766 |
| Retained earnings to average equity (ytd only) | -0.1307% | 5,125 |
| Net charge-offs to loans | 0.0066% | 2,891 |
| Credit loss provision to net charge-offs | -1,714.2857% | 4,856 |
| Earnings coverage of net charge-offs (x) | 282.2857% | 212 |
| Efficiency ratio | 64.6004% | 4,032 |
| Assets per employee ($millions) | 6.1712% | 1,289 |
| Cash dividends to net income (ytd only)* | 101.2397% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8102% | 5,334 |
| Loan loss allowance to noncurrent loans | 1,328.1853% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.0466% | 5,439 |
| Noncurrent loans to loans | 0.0610% | 5,235 |
| Net loans and leases to total assets | 75.8269% | 1,417 |
| Net loans and leases to deposits | 87.7467% | 1,860 |
| Net loans and leases to core deposits | 100.6789% | 1,428 |
| Total domestic deposits to total assets | 86.4157% | 2,487 |
| Equity capital to assets | 9.9561% | 4,137 |
| Core capital (leverage) ratio | 9.6914% | 3,926 |
| Tier 1 risk-based capital ratio | 12.0086% | 4,912 |
| Total risk-based capital ratio | 12.7712% | 5,125 |
| Memoranda: | ||
| Average total assets | $561,173,000 | 1,249 |
| Average earning assets | $521,582,500 | 1,238 |
| Average equity | $55,109,000 | 1,401 |
| Average total loans | $424,126,000 | 1,147 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4255% | 5,105 |
| Cost of funding earning assets | 0.1931% | 5,338 |
| Net interest margin | 3.2324% | 4,525 |
| Noninterest income to average assets | 0.8638% | 1,551 |
| Noninterest expense to average assets | 2.8713% | 2,961 |
| Loan and lease loss provision to assets | 0.0850% | 2,597 |
| Net operating income to assets | 0.6444% | 4,062 |
| Return on assets (ROA) | 0.6582% | 4,092 |
| Pretax return on assets | 0.9189% | 3,768 |
| Return on Equity (ROE) | 6.6812% | 3,692 |
| Retained earnings to average equity (ytd only) | 4.8838% | 2,504 |
| Net charge-offs to loans | 0.0164% | 3,955 |
| Credit loss provision to net charge-offs | 771.6667% | 434 |
| Earnings coverage of net charge-offs (x) | 89.4500% | 636 |
| Efficiency ratio | 74.4623% | 2,505 |
| Assets per employee ($millions) | 6.0327% | 1,365 |
| Cash dividends to net income (ytd only)* | 26.9027% | 3,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8419% | 5,291 |
| Loan loss allowance to noncurrent loans | 1,867.5393% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.0337% | 5,549 |
| Noncurrent loans to loans | 0.0451% | 5,337 |
| Net loans and leases to total assets | 74.0818% | 1,711 |
| Net loans and leases to deposits | 86.1621% | 2,117 |
| Net loans and leases to core deposits | 96.5598% | 1,791 |
| Total domestic deposits to total assets | 85.9796% | 2,647 |
| Equity capital to assets | 9.7005% | 4,307 |
| Core capital (leverage) ratio | 9.8271% | 3,740 |
| Tier 1 risk-based capital ratio | 12.3220% | 4,750 |
| Total risk-based capital ratio | 13.1193% | 4,940 |
| Memoranda: | ||
| Average total assets | $545,009,600 | 1,248 |
| Average earning assets | $504,510,800 | 1,237 |
| Average equity | $53,688,200 | 1,391 |
| Average total loans | $366,949,200 | 1,240 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3811% | 5,241 |
| Cost of funding earning assets | 0.1955% | 5,418 |
| Net interest margin | 3.1856% | 4,714 |
| Noninterest income to average assets | 0.8403% | 1,653 |
| Noninterest expense to average assets | 2.9380% | 2,716 |
| Loan and lease loss provision to assets | 0.1001% | 2,178 |
| Net operating income to assets | 0.5471% | 4,603 |
| Return on assets (ROA) | 0.5595% | 4,650 |
| Pretax return on assets | 0.7674% | 4,437 |
| Return on Equity (ROE) | 5.6572% | 4,327 |
| Retained earnings to average equity (ytd only) | 3.8706% | 3,712 |
| Net charge-offs to loans | 0.0212% | 3,512 |
| Credit loss provision to net charge-offs | 723.2143% | 482 |
| Earnings coverage of net charge-offs (x) | 61.4504% | 903 |
| Efficiency ratio | 77.5524% | 2,013 |
| Assets per employee ($millions) | 5.6517% | 1,635 |
| Cash dividends to net income (ytd only)* | 31.5813% | 2,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9005% | 5,203 |
| Loan loss allowance to noncurrent loans | 1,186.8243% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.1525% | 5,153 |
| Noncurrent loans to loans | 0.0759% | 5,323 |
| Net loans and leases to total assets | 70.5173% | 2,313 |
| Net loans and leases to deposits | 81.6441% | 2,690 |
| Net loans and leases to core deposits | 92.3947% | 2,223 |
| Total domestic deposits to total assets | 86.3715% | 2,351 |
| Equity capital to assets | 9.9047% | 4,280 |
| Core capital (leverage) ratio | 9.7261% | 4,001 |
| Tier 1 risk-based capital ratio | 12.5609% | 4,714 |
| Total risk-based capital ratio | 13.3773% | 4,917 |
| Memoranda: | ||
| Average total assets | $539,494,000 | 1,265 |
| Average earning assets | $499,270,000 | 1,259 |
| Average equity | $53,358,000 | 1,406 |
| Average total loans | $352,770,500 | 1,287 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3179% | 5,406 |
| Cost of funding earning assets | 0.1927% | 5,508 |
| Net interest margin | 3.1252% | 4,899 |
| Noninterest income to average assets | 0.8919% | 1,469 |
| Noninterest expense to average assets | 2.9919% | 2,578 |
| Loan and lease loss provision to assets | 0.1182% | 1,877 |
| Net operating income to assets | 0.4953% | 4,789 |
| Return on assets (ROA) | 0.5080% | 4,843 |
| Pretax return on assets | 0.6888% | 4,693 |
| Return on Equity (ROE) | 5.1391% | 4,554 |
| Retained earnings to average equity (ytd only) | 3.3858% | 3,879 |
| Net charge-offs to loans | 0.0159% | 3,387 |
| Credit loss provision to net charge-offs | 1,174.0741% | 304 |
| Earnings coverage of net charge-offs (x) | 78.4815% | 715 |
| Efficiency ratio | 79.1149% | 1,896 |
| Assets per employee ($millions) | 5.4071% | 1,830 |
| Cash dividends to net income (ytd only)* | 34.1159% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9409% | 5,139 |
| Loan loss allowance to noncurrent loans | 1,684.8780% | 342 |
| Noncurrent assets plus other real estate owned to assets | 0.1768% | 5,158 |
| Noncurrent loans to loans | 0.0558% | 5,515 |
| Net loans and leases to total assets | 68.6236% | 2,549 |
| Net loans and leases to deposits | 79.0989% | 2,896 |
| Net loans and leases to core deposits | 90.6878% | 2,274 |
| Total domestic deposits to total assets | 86.7567% | 2,290 |
| Equity capital to assets | 10.0092% | 4,028 |
| Core capital (leverage) ratio | 9.8508% | 3,803 |
| Tier 1 risk-based capital ratio | 13.3322% | 4,328 |
| Total risk-based capital ratio | 14.1945% | 4,467 |
| Memoranda: | ||
| Average total assets | $536,587,670 | 1,276 |
| Average earning assets | $496,158,000 | 1,270 |
| Average equity | $53,044,330 | 1,427 |
| Average total loans | $340,328,000 | 1,324 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2124% | 5,626 |
| Cost of funding earning assets | 0.1890% | 5,607 |
| Net interest margin | 3.0234% | 5,143 |
| Noninterest income to average assets | 0.8608% | 1,527 |
| Noninterest expense to average assets | 2.9715% | 2,668 |
| Loan and lease loss provision to assets | 0.2348% | 731 |
| Net operating income to assets | 0.3497% | 5,248 |
| Return on assets (ROA) | 0.3623% | 5,329 |
| Pretax return on assets | 0.4675% | 5,268 |
| Return on Equity (ROE) | 3.6873% | 5,115 |
| Retained earnings to average equity (ytd only) | 2.0661% | 4,642 |
| Net charge-offs to loans | 0.0942% | 1,783 |
| Credit loss provision to net charge-offs | 411.6883% | 642 |
| Earnings coverage of net charge-offs (x) | 12.0260% | 1,821 |
| Efficiency ratio | 81.2437% | 1,723 |
| Assets per employee ($millions) | 5.4342% | 1,850 |
| Cash dividends to net income (ytd only)* | 43.9673% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9993% | 5,032 |
| Loan loss allowance to noncurrent loans | 1,613.2701% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.2554% | 4,921 |
| Noncurrent loans to loans | 0.0619% | 5,528 |
| Net loans and leases to total assets | 62.0588% | 3,355 |
| Net loans and leases to deposits | 71.8395% | 3,547 |
| Net loans and leases to core deposits | 80.9961% | 3,059 |
| Total domestic deposits to total assets | 86.3854% | 2,718 |
| Equity capital to assets | 9.8535% | 4,321 |
| Core capital (leverage) ratio | 9.5569% | 4,192 |
| Tier 1 risk-based capital ratio | 13.5676% | 4,290 |
| Total risk-based capital ratio | 14.4426% | 4,417 |
| Memoranda: | ||
| Average total assets | $539,935,500 | 1,269 |
| Average earning assets | $499,442,500 | 1,266 |
| Average equity | $53,047,500 | 1,431 |
| Average total loans | $326,949,500 | 1,369 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2403% | 5,782 |
| Cost of funding earning assets | 0.1955% | 5,781 |
| Net interest margin | 3.0448% | 5,337 |
| Noninterest income to average assets | 1.0178% | 1,176 |
| Noninterest expense to average assets | 3.2059% | 2,200 |
| Loan and lease loss provision to assets | 0.0589% | 3,354 |
| Net operating income to assets | 0.4093% | 5,195 |
| Return on assets (ROA) | 0.4128% | 5,239 |
| Pretax return on assets | 0.5395% | 5,145 |
| Return on Equity (ROE) | 4.1919% | 5,026 |
| Retained earnings to average equity (ytd only) | 2.6519% | 4,355 |
| Net charge-offs to loans | 0.1688% | 2,346 |
| Credit loss provision to net charge-offs | 60.9562% | 3,270 |
| Earnings coverage of net charge-offs (x) | 6.1454% | 3,262 |
| Efficiency ratio | 84.3734% | 1,361 |
| Assets per employee ($millions) | 5.3114% | 1,945 |
| Cash dividends to net income (ytd only)* | 36.7366% | 3,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0100% | 4,992 |
| Loan loss allowance to noncurrent loans | 1,451.3761% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.2600% | 4,989 |
| Noncurrent loans to loans | 0.0696% | 5,602 |
| Net loans and leases to total assets | 57.8042% | 4,069 |
| Net loans and leases to deposits | 66.7676% | 4,237 |
| Net loans and leases to core deposits | 76.1836% | 3,691 |
| Total domestic deposits to total assets | 86.5752% | 2,524 |
| Equity capital to assets | 9.7957% | 4,363 |
| Core capital (leverage) ratio | 9.8620% | 3,760 |
| Tier 1 risk-based capital ratio | 14.7436% | 3,634 |
| Total risk-based capital ratio | 15.6320% | 3,785 |
| Memoranda: | ||
| Average total assets | $519,574,800 | 1,294 |
| Average earning assets | $474,707,400 | 1,287 |
| Average equity | $51,170,400 | 1,421 |
| Average total loans | $297,447,800 | 1,437 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2624% | 5,823 |
| Cost of funding earning assets | 0.1960% | 5,867 |
| Net interest margin | 3.0664% | 5,343 |
| Noninterest income to average assets | 0.8512% | 1,692 |
| Noninterest expense to average assets | 3.1889% | 2,211 |
| Loan and lease loss provision to assets | -0.0305% | 6,129 |
| Net operating income to assets | 0.3753% | 5,343 |
| Return on assets (ROA) | 0.3785% | 5,406 |
| Pretax return on assets | 0.4903% | 5,344 |
| Return on Equity (ROE) | 3.8379% | 5,237 |
| Retained earnings to average equity (ytd only) | 2.3347% | 4,884 |
| Net charge-offs to loans | 0.0672% | 3,241 |
| Credit loss provision to net charge-offs | -79.7297% | 5,416 |
| Earnings coverage of net charge-offs (x) | 11.8985% | 2,367 |
| Efficiency ratio | 87.4991% | 1,046 |
| Assets per employee ($millions) | 4.9304% | 2,329 |
| Cash dividends to net income (ytd only)* | 39.1660% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0683% | 4,892 |
| Loan loss allowance to noncurrent loans | 838.4824% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.3694% | 4,819 |
| Noncurrent loans to loans | 0.1274% | 5,540 |
| Net loans and leases to total assets | 56.4214% | 4,277 |
| Net loans and leases to deposits | 64.9739% | 4,436 |
| Net loans and leases to core deposits | 74.7536% | 3,873 |
| Total domestic deposits to total assets | 86.8370% | 2,400 |
| Equity capital to assets | 10.1872% | 3,945 |
| Core capital (leverage) ratio | 10.1332% | 3,492 |
| Tier 1 risk-based capital ratio | 15.3415% | 3,404 |
| Total risk-based capital ratio | 16.2543% | 3,516 |
| Memoranda: | ||
| Average total assets | $515,356,250 | 1,318 |
| Average earning assets | $469,465,250 | 1,316 |
| Average equity | $50,825,750 | 1,433 |
| Average total loans | $293,496,250 | 1,464 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2606% | 5,855 |
| Cost of funding earning assets | 0.1933% | 5,971 |
| Net interest margin | 3.0673% | 5,354 |
| Noninterest income to average assets | 0.8253% | 1,750 |
| Noninterest expense to average assets | 3.2047% | 2,182 |
| Loan and lease loss provision to assets | -0.0456% | 6,290 |
| Net operating income to assets | 0.3551% | 5,394 |
| Return on assets (ROA) | 0.3599% | 5,441 |
| Pretax return on assets | 0.4607% | 5,391 |
| Return on Equity (ROE) | 3.6894% | 5,273 |
| Retained earnings to average equity (ytd only) | 2.3514% | 4,709 |
| Net charge-offs to loans | 0.0577% | 3,146 |
| Credit loss provision to net charge-offs | -138.8235% | 5,327 |
| Earnings coverage of net charge-offs (x) | 12.4588% | 2,058 |
| Efficiency ratio | 88.6823% | 1,026 |
| Assets per employee ($millions) | 4.7809% | 2,502 |
| Cash dividends to net income (ytd only)* | 36.2661% | 2,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0802% | 4,983 |
| Loan loss allowance to noncurrent loans | 584.6296% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.5501% | 4,340 |
| Noncurrent loans to loans | 0.1848% | 5,458 |
| Net loans and leases to total assets | 57.0497% | 4,105 |
| Net loans and leases to deposits | 65.1631% | 4,361 |
| Net loans and leases to core deposits | 75.3133% | 3,703 |
| Total domestic deposits to total assets | 87.5492% | 2,171 |
| Equity capital to assets | 10.1376% | 3,919 |
| Core capital (leverage) ratio | 10.1570% | 3,407 |
| Tier 1 risk-based capital ratio | 15.3273% | 3,455 |
| Total risk-based capital ratio | 16.2633% | 3,582 |
| Memoranda: | ||
| Average total assets | $517,863,670 | 1,300 |
| Average earning assets | $470,766,000 | 1,305 |
| Average equity | $50,523,000 | 1,435 |
| Average total loans | $294,788,000 | 1,452 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2636% | 5,911 |
| Cost of funding earning assets | 0.1903% | 6,076 |
| Net interest margin | 3.0732% | 5,329 |
| Noninterest income to average assets | 0.7994% | 1,753 |
| Noninterest expense to average assets | 3.1501% | 2,377 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3430% | 5,340 |
| Return on assets (ROA) | 0.3508% | 5,365 |
| Pretax return on assets | 0.4478% | 5,315 |
| Return on Equity (ROE) | 3.6649% | 5,194 |
| Retained earnings to average equity (ytd only) | 2.5870% | 4,521 |
| Net charge-offs to loans | -0.0176% | 5,295 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7955% | 1,249 |
| Assets per employee ($millions) | 5.1832% | 2,031 |
| Cash dividends to net income (ytd only)* | 29.4118% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1549% | 4,841 |
| Loan loss allowance to noncurrent loans | 701.2474% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.5147% | 4,614 |
| Noncurrent loans to loans | 0.1647% | 5,592 |
| Net loans and leases to total assets | 54.0745% | 4,405 |
| Net loans and leases to deposits | 61.6132% | 4,595 |
| Net loans and leases to core deposits | 70.7216% | 4,013 |
| Total domestic deposits to total assets | 87.7645% | 2,372 |
| Equity capital to assets | 9.4689% | 4,537 |
| Core capital (leverage) ratio | 10.0377% | 3,514 |
| Tier 1 risk-based capital ratio | 15.1997% | 3,614 |
| Total risk-based capital ratio | 16.1968% | 3,693 |
| Memoranda: | ||
| Average total assets | $523,407,000 | 1,286 |
| Average earning assets | $474,941,500 | 1,300 |
| Average equity | $50,097,000 | 1,443 |
| Average total loans | $296,046,000 | 1,454 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4305% | 5,776 |
| Cost of funding earning assets | 0.2214% | 6,169 |
| Net interest margin | 3.2091% | 4,973 |
| Noninterest income to average assets | 3.5506% | 182 |
| Noninterest expense to average assets | 4.3650% | 593 |
| Loan and lease loss provision to assets | 0.0322% | 4,474 |
| Net operating income to assets | 1.4200% | 989 |
| Return on assets (ROA) | 1.4269% | 1,010 |
| Pretax return on assets | 2.0739% | 410 |
| Return on Equity (ROE) | 13.3959% | 1,089 |
| Retained earnings to average equity (ytd only) | 12.6319% | 265 |
| Net charge-offs to loans | 0.0228% | 4,973 |
| Credit loss provision to net charge-offs | 238.8060% | 961 |
| Earnings coverage of net charge-offs (x) | 155.3134% | 297 |
| Efficiency ratio | 67.5583% | 4,280 |
| Assets per employee ($millions) | 5.0289% | 2,153 |
| Cash dividends to net income (ytd only)* | 5.7030% | 4,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1199% | 5,052 |
| Loan loss allowance to noncurrent loans | 616.5138% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.5687% | 4,530 |
| Noncurrent loans to loans | 0.1816% | 5,658 |
| Net loans and leases to total assets | 57.8369% | 4,060 |
| Net loans and leases to deposits | 67.5957% | 4,107 |
| Net loans and leases to core deposits | 77.7933% | 3,394 |
| Total domestic deposits to total assets | 85.5631% | 3,478 |
| Equity capital to assets | 9.6780% | 4,185 |
| Core capital (leverage) ratio | 10.2014% | 3,292 |
| Tier 1 risk-based capital ratio | 14.6523% | 3,866 |
| Total risk-based capital ratio | 15.6162% | 3,984 |
| Memoranda: | ||
| Average total assets | $496,451,000 | 1,339 |
| Average earning assets | $450,257,000 | 1,350 |
| Average equity | $52,882,000 | 1,342 |
| Average total loans | $293,706,800 | 1,444 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4430% | 5,795 |
| Cost of funding earning assets | 0.2257% | 6,256 |
| Net interest margin | 3.2172% | 4,938 |
| Noninterest income to average assets | 1.0933% | 1,221 |
| Noninterest expense to average assets | 3.1184% | 2,597 |
| Loan and lease loss provision to assets | 0.0718% | 3,626 |
| Net operating income to assets | 0.6073% | 4,318 |
| Return on assets (ROA) | 0.6172% | 4,400 |
| Pretax return on assets | 0.8460% | 4,114 |
| Return on Equity (ROE) | 5.6593% | 4,380 |
| Retained earnings to average equity (ytd only) | 4.9913% | 3,092 |
| Net charge-offs to loans | 0.0356% | 4,429 |
| Credit loss provision to net charge-offs | 339.7436% | 760 |
| Earnings coverage of net charge-offs (x) | 42.8066% | 962 |
| Efficiency ratio | 77.5212% | 2,482 |
| Assets per employee ($millions) | 4.7445% | 2,516 |
| Cash dividends to net income (ytd only)* | 11.8035% | 3,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1608% | 5,067 |
| Loan loss allowance to noncurrent loans | 921.0667% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.6044% | 4,627 |
| Noncurrent loans to loans | 0.1260% | 5,945 |
| Net loans and leases to total assets | 60.7698% | 3,567 |
| Net loans and leases to deposits | 70.4309% | 3,724 |
| Net loans and leases to core deposits | 82.1017% | 2,863 |
| Total domestic deposits to total assets | 86.2828% | 3,087 |
| Equity capital to assets | 11.1011% | 2,660 |
| Core capital (leverage) ratio | 11.2237% | 2,280 |
| Tier 1 risk-based capital ratio | 15.3591% | 3,531 |
| Total risk-based capital ratio | 16.3257% | 3,653 |
| Memoranda: | ||
| Average total assets | $492,326,500 | 1,357 |
| Average earning assets | $448,283,250 | 1,366 |
| Average equity | $53,691,750 | 1,333 |
| Average total loans | $292,125,000 | 1,449 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4226% | 5,854 |
| Cost of funding earning assets | 0.2310% | 6,300 |
| Net interest margin | 3.1916% | 4,977 |
| Noninterest income to average assets | 1.0486% | 1,384 |
| Noninterest expense to average assets | 3.1095% | 2,633 |
| Loan and lease loss provision to assets | 0.1070% | 3,006 |
| Net operating income to assets | 0.5422% | 4,594 |
| Return on assets (ROA) | 0.5469% | 4,734 |
| Pretax return on assets | 0.7408% | 4,535 |
| Return on Equity (ROE) | 5.0446% | 4,709 |
| Retained earnings to average equity (ytd only) | 4.5453% | 3,376 |
| Net charge-offs to loans | -0.0103% | 5,776 |
| Credit loss provision to net charge-offs | -1,766.6667% | 6,120 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7036% | 2,347 |
| Assets per employee ($millions) | 4.6356% | 2,600 |
| Cash dividends to net income (ytd only)* | 9.8966% | 3,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2071% | 4,952 |
| Loan loss allowance to noncurrent loans | 713.6821% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.6260% | 4,666 |
| Noncurrent loans to loans | 0.1691% | 5,898 |
| Net loans and leases to total assets | 59.6433% | 3,724 |
| Net loans and leases to deposits | 68.4807% | 3,939 |
| Net loans and leases to core deposits | 78.8330% | 3,187 |
| Total domestic deposits to total assets | 87.0952% | 2,760 |
| Equity capital to assets | 10.8849% | 2,864 |
| Core capital (leverage) ratio | 11.0990% | 2,266 |
| Tier 1 risk-based capital ratio | 15.2902% | 3,603 |
| Total risk-based capital ratio | 16.2934% | 3,718 |
| Memoranda: | ||
| Average total assets | $495,121,670 | 1,346 |
| Average earning assets | $450,245,330 | 1,355 |
| Average equity | $53,681,330 | 1,341 |
| Average total loans | $290,318,670 | 1,452 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4158% | 5,906 |
| Cost of funding earning assets | 0.2358% | 6,372 |
| Net interest margin | 3.1800% | 4,998 |
| Noninterest income to average assets | 0.9068% | 1,738 |
| Noninterest expense to average assets | 3.0466% | 2,848 |
| Loan and lease loss provision to assets | 0.1762% | 2,105 |
| Net operating income to assets | 0.4310% | 5,000 |
| Return on assets (ROA) | 0.4310% | 5,157 |
| Pretax return on assets | 0.5680% | 5,057 |
| Return on Equity (ROE) | 3.9829% | 5,099 |
| Retained earnings to average equity (ytd only) | 3.9829% | 3,843 |
| Net charge-offs to loans | 0.0139% | 3,871 |
| Credit loss provision to net charge-offs | 2,200.0000% | 150 |
| Earnings coverage of net charge-offs (x) | 92.9000% | 412 |
| Efficiency ratio | 80.3677% | 2,271 |
| Assets per employee ($millions) | 4.8139% | 2,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1898% | 5,224 |
| Loan loss allowance to noncurrent loans | 269.9534% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.6179% | 4,843 |
| Noncurrent loans to loans | 0.4407% | 5,317 |
| Net loans and leases to total assets | 58.8091% | 3,650 |
| Net loans and leases to deposits | 66.6805% | 3,958 |
| Net loans and leases to core deposits | 77.5366% | 3,129 |
| Total domestic deposits to total assets | 88.1954% | 2,198 |
| Equity capital to assets | 11.0228% | 2,941 |
| Core capital (leverage) ratio | 10.8476% | 2,406 |
| Tier 1 risk-based capital ratio | 15.2961% | 3,659 |
| Total risk-based capital ratio | 16.2929% | 3,767 |
| Memoranda: | ||
| Average total assets | $499,312,500 | 1,352 |
| Average earning assets | $452,830,500 | 1,360 |
| Average equity | $54,031,500 | 1,350 |
| Average total loans | $288,550,500 | 1,471 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7649% | 5,915 |
| Cost of funding earning assets | 0.2853% | 6,522 |
| Net interest margin | 3.4796% | 4,584 |
| Noninterest income to average assets | 2.2565% | 368 |
| Noninterest expense to average assets | 3.8357% | 1,195 |
| Loan and lease loss provision to assets | -0.0161% | 6,830 |
| Net operating income to assets | 1.0994% | 1,938 |
| Return on assets (ROA) | 1.1178% | 2,046 |
| Pretax return on assets | 1.6504% | 1,261 |
| Return on Equity (ROE) | 10.8700% | 1,844 |
| Retained earnings to average equity (ytd only) | 10.8700% | 451 |
| Net charge-offs to loans | 0.1342% | 4,341 |
| Credit loss provision to net charge-offs | -20.0000% | 6,234 |
| Earnings coverage of net charge-offs (x) | 19.9494% | 1,372 |
| Efficiency ratio | 70.4725% | 3,719 |
| Assets per employee ($millions) | 4.3017% | 3,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1469% | 5,357 |
| Loan loss allowance to noncurrent loans | 227.0327% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.6275% | 4,904 |
| Noncurrent loans to loans | 0.5052% | 5,270 |
| Net loans and leases to total assets | 55.4747% | 4,384 |
| Net loans and leases to deposits | 63.2194% | 4,634 |
| Net loans and leases to core deposits | 72.3969% | 3,994 |
| Total domestic deposits to total assets | 87.7496% | 2,378 |
| Equity capital to assets | 10.6262% | 3,369 |
| Core capital (leverage) ratio | 10.8660% | 2,373 |
| Tier 1 risk-based capital ratio | 15.2684% | 3,566 |
| Total risk-based capital ratio | 16.2134% | 3,693 |
| Memoranda: | ||
| Average total assets | $490,318,400 | 1,357 |
| Average earning assets | $448,987,200 | 1,354 |
| Average equity | $50,423,400 | 1,403 |
| Average total loans | $294,424,600 | 1,422 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8332% | 5,943 |
| Cost of funding earning assets | 0.2984% | 6,625 |
| Net interest margin | 3.5348% | 4,505 |
| Noninterest income to average assets | 0.7789% | 2,337 |
| Noninterest expense to average assets | 3.4693% | 1,832 |
| Loan and lease loss provision to assets | -0.0738% | 7,016 |
| Net operating income to assets | 0.4422% | 5,069 |
| Return on assets (ROA) | 0.4678% | 5,219 |
| Pretax return on assets | 0.6730% | 4,947 |
| Return on Equity (ROE) | 4.5884% | 5,008 |
| Retained earnings to average equity (ytd only) | 4.5884% | 3,674 |
| Net charge-offs to loans | 0.0157% | 5,465 |
| Credit loss provision to net charge-offs | -768.5714% | 6,510 |
| Earnings coverage of net charge-offs (x) | 58.5944% | 662 |
| Efficiency ratio | 86.0448% | 1,372 |
| Assets per employee ($millions) | 3.9552% | 3,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1418% | 5,550 |
| Loan loss allowance to noncurrent loans | 538.7147% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.5248% | 5,364 |
| Noncurrent loans to loans | 0.2119% | 6,076 |
| Net loans and leases to total assets | 62.6991% | 3,260 |
| Net loans and leases to deposits | 70.7954% | 3,788 |
| Net loans and leases to core deposits | 83.1823% | 2,800 |
| Total domestic deposits to total assets | 88.5639% | 1,684 |
| Equity capital to assets | 10.6144% | 3,715 |
| Core capital (leverage) ratio | 9.9220% | 3,661 |
| Tier 1 risk-based capital ratio | 13.7673% | 4,712 |
| Total risk-based capital ratio | 14.7333% | 4,846 |
| Memoranda: | ||
| Average total assets | $485,996,500 | 1,386 |
| Average earning assets | $447,279,500 | 1,373 |
| Average equity | $49,544,500 | 1,443 |
| Average total loans | $296,815,750 | 1,427 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7860% | 6,174 |
| Cost of funding earning assets | 0.3088% | 6,698 |
| Net interest margin | 3.4772% | 4,773 |
| Noninterest income to average assets | 0.8600% | 1,932 |
| Noninterest expense to average assets | 3.4599% | 1,878 |
| Loan and lease loss provision to assets | 0.0780% | 4,635 |
| Net operating income to assets | 0.3641% | 5,359 |
| Return on assets (ROA) | 0.3724% | 5,563 |
| Pretax return on assets | 0.5345% | 5,355 |
| Return on Equity (ROE) | 3.7023% | 5,404 |
| Retained earnings to average equity (ytd only) | 3.7023% | 4,138 |
| Net charge-offs to loans | 0.1002% | 4,162 |
| Credit loss provision to net charge-offs | 129.0541% | 2,127 |
| Earnings coverage of net charge-offs (x) | 9.9392% | 2,115 |
| Efficiency ratio | 85.2072% | 1,511 |
| Assets per employee ($millions) | 4.2277% | 3,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2653% | 5,060 |
| Loan loss allowance to noncurrent loans | 343.0644% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.9229% | 4,526 |
| Noncurrent loans to loans | 0.3688% | 5,801 |
| Net loans and leases to total assets | 57.2488% | 4,289 |
| Net loans and leases to deposits | 63.7420% | 4,800 |
| Net loans and leases to core deposits | 74.6580% | 3,937 |
| Total domestic deposits to total assets | 89.8132% | 1,038 |
| Equity capital to assets | 9.6107% | 4,900 |
| Core capital (leverage) ratio | 9.4828% | 4,162 |
| Tier 1 risk-based capital ratio | 13.6634% | 4,700 |
| Total risk-based capital ratio | 14.7365% | 4,794 |
| Memoranda: | ||
| Average total assets | $489,786,330 | 1,375 |
| Average earning assets | $450,819,670 | 1,372 |
| Average equity | $49,266,330 | 1,442 |
| Average total loans | $295,413,000 | 1,440 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9132% | 5,990 |
| Cost of funding earning assets | 0.3185% | 6,783 |
| Net interest margin | 3.5947% | 4,293 |
| Noninterest income to average assets | 0.9975% | 1,432 |
| Noninterest expense to average assets | 3.5705% | 1,624 |
| Loan and lease loss provision to assets | 0.1099% | 3,979 |
| Net operating income to assets | 0.4203% | 5,162 |
| Return on assets (ROA) | 0.4203% | 5,356 |
| Pretax return on assets | 0.6124% | 5,072 |
| Return on Equity (ROE) | 4.0803% | 5,256 |
| Retained earnings to average equity (ytd only) | 4.0803% | 4,143 |
| Net charge-offs to loans | 0.1063% | 3,493 |
| Credit loss provision to net charge-offs | 167.9487% | 1,519 |
| Earnings coverage of net charge-offs (x) | 11.0385% | 1,706 |
| Efficiency ratio | 83.1737% | 1,777 |
| Assets per employee ($millions) | 4.0456% | 3,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2876% | 5,073 |
| Loan loss allowance to noncurrent loans | 595.6044% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.9967% | 4,504 |
| Noncurrent loans to loans | 0.2162% | 6,254 |
| Net loans and leases to total assets | 59.4164% | 3,790 |
| Net loans and leases to deposits | 66.6490% | 4,282 |
| Net loans and leases to core deposits | 79.1652% | 3,158 |
| Total domestic deposits to total assets | 89.1483% | 1,601 |
| Equity capital to assets | 10.0728% | 4,038 |
| Core capital (leverage) ratio | 10.1233% | 3,212 |
| Tier 1 risk-based capital ratio | 13.5136% | 4,816 |
| Total risk-based capital ratio | 14.5872% | 4,936 |
| Memoranda: | ||
| Average total assets | $476,791,000 | 1,407 |
| Average earning assets | $437,084,000 | 1,401 |
| Average equity | $49,114,500 | 1,437 |
| Average total loans | $293,589,500 | 1,447 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2375% | 5,951 |
| Cost of funding earning assets | 0.4209% | 6,827 |
| Net interest margin | 3.8166% | 3,738 |
| Noninterest income to average assets | 1.1102% | 1,077 |
| Noninterest expense to average assets | 3.7774% | 1,388 |
| Loan and lease loss provision to assets | 0.1163% | 5,145 |
| Net operating income to assets | 0.5090% | 4,375 |
| Return on assets (ROA) | 0.5090% | 4,590 |
| Pretax return on assets | 0.7116% | 4,285 |
| Return on Equity (ROE) | 4.9685% | 4,402 |
| Retained earnings to average equity (ytd only) | 4.9685% | 2,664 |
| Net charge-offs to loans | 0.1796% | 4,709 |
| Credit loss provision to net charge-offs | 102.0992% | 3,395 |
| Earnings coverage of net charge-offs (x) | 7.2672% | 2,364 |
| Efficiency ratio | 82.0216% | 2,022 |
| Assets per employee ($millions) | 3.7425% | 4,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2788% | 5,026 |
| Loan loss allowance to noncurrent loans | 472.9456% | 723 |
| Noncurrent assets plus other real estate owned to assets | 1.0845% | 4,446 |
| Noncurrent loans to loans | 0.2704% | 6,183 |
| Net loans and leases to total assets | 62.2306% | 3,556 |
| Net loans and leases to deposits | 70.1174% | 4,078 |
| Net loans and leases to core deposits | 82.6461% | 3,082 |
| Total domestic deposits to total assets | 88.7520% | 1,683 |
| Equity capital to assets | 10.5418% | 3,485 |
| Core capital (leverage) ratio | 10.2829% | 2,990 |
| Tier 1 risk-based capital ratio | 13.2943% | 4,837 |
| Total risk-based capital ratio | 14.3480% | 4,966 |
| Memoranda: | ||
| Average total assets | $459,920,600 | 1,427 |
| Average earning assets | $421,190,200 | 1,426 |
| Average equity | $47,116,800 | 1,440 |
| Average total loans | $291,692,400 | 1,463 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2698% | 6,030 |
| Cost of funding earning assets | 0.4336% | 6,926 |
| Net interest margin | 3.8362% | 3,687 |
| Noninterest income to average assets | 0.9562% | 1,465 |
| Noninterest expense to average assets | 3.9074% | 1,137 |
| Loan and lease loss provision to assets | 0.0061% | 6,349 |
| Net operating income to assets | 0.3800% | 5,080 |
| Return on assets (ROA) | 0.3800% | 5,268 |
| Pretax return on assets | 0.5590% | 4,938 |
| Return on Equity (ROE) | 3.7371% | 5,113 |
| Retained earnings to average equity (ytd only) | 3.7371% | 4,087 |
| Net charge-offs to loans | 0.0489% | 5,500 |
| Credit loss provision to net charge-offs | 19.6262% | 5,564 |
| Earnings coverage of net charge-offs (x) | 18.1780% | 1,317 |
| Efficiency ratio | 87.3644% | 1,403 |
| Assets per employee ($millions) | 3.6588% | 4,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2740% | 5,128 |
| Loan loss allowance to noncurrent loans | 400.0000% | 808 |
| Noncurrent assets plus other real estate owned to assets | 1.0315% | 4,697 |
| Noncurrent loans to loans | 0.3185% | 6,211 |
| Net loans and leases to total assets | 60.7716% | 3,988 |
| Net loans and leases to deposits | 68.6522% | 4,493 |
| Net loans and leases to core deposits | 83.5436% | 3,121 |
| Total domestic deposits to total assets | 88.5210% | 1,745 |
| Equity capital to assets | 10.3602% | 3,875 |
| Core capital (leverage) ratio | 9.8879% | 3,591 |
| Tier 1 risk-based capital ratio | 13.5646% | 4,695 |
| Total risk-based capital ratio | 14.6361% | 4,787 |
| Memoranda: | ||
| Average total assets | $458,884,250 | 1,445 |
| Average earning assets | $420,613,750 | 1,441 |
| Average equity | $46,665,750 | 1,460 |
| Average total loans | $291,482,500 | 1,475 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2505% | 6,158 |
| Cost of funding earning assets | 0.4399% | 7,042 |
| Net interest margin | 3.8106% | 3,730 |
| Noninterest income to average assets | 0.9323% | 1,524 |
| Noninterest expense to average assets | 4.0429% | 984 |
| Loan and lease loss provision to assets | 0.0092% | 6,148 |
| Net operating income to assets | 0.2512% | 5,557 |
| Return on assets (ROA) | 0.2512% | 5,682 |
| Pretax return on assets | 0.3681% | 5,492 |
| Return on Equity (ROE) | 2.4862% | 5,609 |
| Retained earnings to average equity (ytd only) | 2.4862% | 4,701 |
| Net charge-offs to loans | 0.0450% | 5,221 |
| Credit loss provision to net charge-offs | 31.8182% | 4,959 |
| Earnings coverage of net charge-offs (x) | 13.0606% | 1,581 |
| Efficiency ratio | 91.4645% | 1,134 |
| Assets per employee ($millions) | 3.5553% | 4,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2624% | 5,246 |
| Loan loss allowance to noncurrent loans | 189.1684% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 1.2203% | 4,456 |
| Noncurrent loans to loans | 0.6673% | 5,573 |
| Net loans and leases to total assets | 63.8335% | 3,502 |
| Net loans and leases to deposits | 71.9603% | 4,119 |
| Net loans and leases to core deposits | 90.6144% | 2,300 |
| Total domestic deposits to total assets | 88.7066% | 1,715 |
| Equity capital to assets | 10.4215% | 3,619 |
| Core capital (leverage) ratio | 9.7580% | 3,581 |
| Tier 1 risk-based capital ratio | 13.2496% | 4,729 |
| Total risk-based capital ratio | 14.3266% | 4,839 |
| Memoranda: | ||
| Average total assets | $456,954,670 | 1,459 |
| Average earning assets | $418,255,670 | 1,455 |
| Average equity | $46,174,000 | 1,463 |
| Average total loans | $293,299,000 | 1,480 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2098% | 6,262 |
| Cost of funding earning assets | 0.4416% | 7,132 |
| Net interest margin | 3.7681% | 3,766 |
| Noninterest income to average assets | 0.9241% | 1,570 |
| Noninterest expense to average assets | 3.9994% | 1,035 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2515% | 5,611 |
| Return on assets (ROA) | 0.2515% | 5,676 |
| Pretax return on assets | 0.3698% | 5,434 |
| Return on Equity (ROE) | 2.5277% | 5,591 |
| Retained earnings to average equity (ytd only) | 2.5277% | 4,645 |
| Net charge-offs to loans | -0.0095% | 6,354 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5356% | 1,195 |
| Assets per employee ($millions) | 3.6303% | 4,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2915% | 5,176 |
| Loan loss allowance to noncurrent loans | 81.8082% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 1.0621% | 4,806 |
| Noncurrent loans to loans | 1.5787% | 4,110 |
| Net loans and leases to total assets | 61.9510% | 3,867 |
| Net loans and leases to deposits | 69.3132% | 4,465 |
| Net loans and leases to core deposits | 87.5226% | 2,666 |
| Total domestic deposits to total assets | 89.3783% | 1,544 |
| Equity capital to assets | 9.9656% | 3,820 |
| Core capital (leverage) ratio | 9.9268% | 3,232 |
| Tier 1 risk-based capital ratio | 13.3925% | 4,510 |
| Total risk-based capital ratio | 14.5053% | 4,594 |
| Memoranda: | ||
| Average total assets | $459,672,000 | 1,463 |
| Average earning assets | $420,260,000 | 1,460 |
| Average equity | $45,733,500 | 1,468 |
| Average total loans | $293,995,500 | 1,496 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6942% | 5,823 |
| Cost of funding earning assets | 0.4761% | 7,334 |
| Net interest margin | 4.2181% | 2,114 |
| Noninterest income to average assets | 1.7305% | 500 |
| Noninterest expense to average assets | 4.0931% | 1,034 |
| Loan and lease loss provision to assets | 0.0722% | 6,425 |
| Net operating income to assets | 0.9264% | 2,287 |
| Return on assets (ROA) | 0.9264% | 2,414 |
| Pretax return on assets | 1.4022% | 1,660 |
| Return on Equity (ROE) | 9.4593% | 2,130 |
| Retained earnings to average equity (ytd only) | 9.4593% | 610 |
| Net charge-offs to loans | 0.1039% | 5,827 |
| Credit loss provision to net charge-offs | 99.3671% | 4,655 |
| Earnings coverage of net charge-offs (x) | 20.2975% | 1,011 |
| Efficiency ratio | 73.5178% | 3,483 |
| Assets per employee ($millions) | 3.6086% | 4,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2490% | 5,271 |
| Loan loss allowance to noncurrent loans | 78.6091% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 1.1071% | 4,795 |
| Noncurrent loans to loans | 1.5889% | 4,116 |
| Net loans and leases to total assets | 64.3471% | 3,796 |
| Net loans and leases to deposits | 72.3350% | 4,461 |
| Net loans and leases to core deposits | 91.8563% | 2,517 |
| Total domestic deposits to total assets | 88.9572% | 1,684 |
| Equity capital to assets | 9.9326% | 3,835 |
| Core capital (leverage) ratio | 10.2630% | 2,802 |
| Tier 1 risk-based capital ratio | 13.1323% | 4,501 |
| Total risk-based capital ratio | 14.2305% | 4,582 |
| Memoranda: | ||
| Average total assets | $435,029,600 | 1,535 |
| Average earning assets | $395,722,400 | 1,534 |
| Average equity | $42,603,800 | 1,559 |
| Average total loans | $304,127,400 | 1,480 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6769% | 6,102 |
| Cost of funding earning assets | 0.4794% | 7,474 |
| Net interest margin | 4.1975% | 2,226 |
| Noninterest income to average assets | 0.9155% | 1,739 |
| Noninterest expense to average assets | 4.0116% | 1,030 |
| Loan and lease loss provision to assets | 0.0975% | 6,048 |
| Net operating income to assets | 0.4144% | 4,686 |
| Return on assets (ROA) | 0.4144% | 4,863 |
| Pretax return on assets | 0.6281% | 4,496 |
| Return on Equity (ROE) | 4.2475% | 4,662 |
| Retained earnings to average equity (ytd only) | 4.2475% | 3,500 |
| Net charge-offs to loans | 0.1139% | 5,398 |
| Credit loss provision to net charge-offs | 120.3065% | 3,428 |
| Earnings coverage of net charge-offs (x) | 8.9502% | 2,087 |
| Efficiency ratio | 84.6820% | 1,761 |
| Assets per employee ($millions) | 3.3184% | 5,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2345% | 5,319 |
| Loan loss allowance to noncurrent loans | 67.0386% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 1.4340% | 4,303 |
| Noncurrent loans to loans | 1.8414% | 3,876 |
| Net loans and leases to total assets | 72.4262% | 2,157 |
| Net loans and leases to deposits | 81.3054% | 3,215 |
| Net loans and leases to core deposits | 103.1304% | 1,557 |
| Total domestic deposits to total assets | 89.0792% | 1,354 |
| Equity capital to assets | 10.3191% | 3,740 |
| Core capital (leverage) ratio | 10.2645% | 2,963 |
| Tier 1 risk-based capital ratio | 12.3626% | 5,106 |
| Total risk-based capital ratio | 13.4812% | 5,207 |
| Memoranda: | ||
| Average total assets | $429,212,750 | 1,573 |
| Average earning assets | $390,791,250 | 1,568 |
| Average equity | $41,874,500 | 1,580 |
| Average total loans | $305,501,500 | 1,488 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6162% | 6,413 |
| Cost of funding earning assets | 0.4780% | 7,572 |
| Net interest margin | 4.1382% | 2,388 |
| Noninterest income to average assets | 0.8921% | 1,718 |
| Noninterest expense to average assets | 4.0036% | 1,048 |
| Loan and lease loss provision to assets | 0.0684% | 6,270 |
| Net operating income to assets | 0.3807% | 4,850 |
| Return on assets (ROA) | 0.3807% | 5,009 |
| Pretax return on assets | 0.5798% | 4,631 |
| Return on Equity (ROE) | 3.9758% | 4,788 |
| Retained earnings to average equity (ytd only) | 3.9758% | 3,549 |
| Net charge-offs to loans | 0.1370% | 4,852 |
| Credit loss provision to net charge-offs | 70.8134% | 4,949 |
| Earnings coverage of net charge-offs (x) | 6.7129% | 2,414 |
| Efficiency ratio | 86.0661% | 1,701 |
| Assets per employee ($millions) | 3.2841% | 5,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2266% | 5,316 |
| Loan loss allowance to noncurrent loans | 58.8584% | 4,409 |
| Noncurrent assets plus other real estate owned to assets | 1.7172% | 3,872 |
| Noncurrent loans to loans | 2.0840% | 3,615 |
| Net loans and leases to total assets | 70.8743% | 2,695 |
| Net loans and leases to deposits | 79.5956% | 3,671 |
| Net loans and leases to core deposits | 98.2926% | 2,197 |
| Total domestic deposits to total assets | 89.0430% | 1,412 |
| Equity capital to assets | 10.1171% | 3,868 |
| Core capital (leverage) ratio | 9.4627% | 3,873 |
| Tier 1 risk-based capital ratio | 12.3075% | 5,034 |
| Total risk-based capital ratio | 13.4036% | 5,150 |
| Memoranda: | ||
| Average total assets | $432,911,000 | 1,577 |
| Average earning assets | $393,314,670 | 1,578 |
| Average equity | $41,450,670 | 1,591 |
| Average total loans | $305,131,330 | 1,503 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5281% | 6,735 |
| Cost of funding earning assets | 0.4695% | 7,712 |
| Net interest margin | 4.0587% | 2,617 |
| Noninterest income to average assets | 0.8484% | 1,821 |
| Noninterest expense to average assets | 3.9952% | 1,040 |
| Loan and lease loss provision to assets | 0.0399% | 6,272 |
| Net operating income to assets | 0.3267% | 5,182 |
| Return on assets (ROA) | 0.3267% | 5,312 |
| Pretax return on assets | 0.5000% | 4,958 |
| Return on Equity (ROE) | 3.5056% | 5,111 |
| Retained earnings to average equity (ytd only) | 3.5056% | 4,045 |
| Net charge-offs to loans | 0.0273% | 5,190 |
| Credit loss provision to net charge-offs | 209.5238% | 1,775 |
| Earnings coverage of net charge-offs (x) | 28.3333% | 909 |
| Efficiency ratio | 88.0952% | 1,578 |
| Assets per employee ($millions) | 3.5801% | 4,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 5,223 |
| Loan loss allowance to noncurrent loans | 54.4282% | 4,692 |
| Noncurrent assets plus other real estate owned to assets | 1.6462% | 4,011 |
| Noncurrent loans to loans | 2.2955% | 3,392 |
| Net loans and leases to total assets | 67.3987% | 3,529 |
| Net loans and leases to deposits | 75.0133% | 4,578 |
| Net loans and leases to core deposits | 91.6048% | 3,156 |
| Total domestic deposits to total assets | 89.8491% | 1,068 |
| Equity capital to assets | 9.3679% | 4,727 |
| Core capital (leverage) ratio | 9.2715% | 4,102 |
| Tier 1 risk-based capital ratio | 12.0239% | 5,174 |
| Total risk-based capital ratio | 13.1349% | 5,263 |
| Memoranda: | ||
| Average total assets | $440,824,000 | 1,591 |
| Average earning assets | $400,428,500 | 1,589 |
| Average equity | $41,077,500 | 1,625 |
| Average total loans | $308,058,500 | 1,529 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8691% | 6,783 |
| Cost of funding earning assets | 0.6141% | 7,768 |
| Net interest margin | 4.2550% | 1,871 |
| Noninterest income to average assets | 1.7554% | 478 |
| Noninterest expense to average assets | 4.5962% | 720 |
| Loan and lease loss provision to assets | 0.2506% | 5,395 |
| Net operating income to assets | 0.4790% | 3,815 |
| Return on assets (ROA) | 0.4790% | 3,914 |
| Pretax return on assets | 0.7427% | 3,434 |
| Return on Equity (ROE) | 5.0020% | 3,662 |
| Retained earnings to average equity (ytd only) | 5.0020% | 1,814 |
| Net charge-offs to loans | 0.1252% | 5,941 |
| Credit loss provision to net charge-offs | 274.6631% | 1,250 |
| Earnings coverage of net charge-offs (x) | 10.8868% | 1,642 |
| Efficiency ratio | 82.2298% | 2,571 |
| Assets per employee ($millions) | 3.5588% | 4,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1826% | 5,457 |
| Loan loss allowance to noncurrent loans | 45.8815% | 5,338 |
| Noncurrent assets plus other real estate owned to assets | 1.9803% | 3,423 |
| Noncurrent loans to loans | 2.5776% | 2,980 |
| Net loans and leases to total assets | 70.6642% | 3,085 |
| Net loans and leases to deposits | 79.1149% | 4,154 |
| Net loans and leases to core deposits | 103.1381% | 3,672 |
| Total domestic deposits to total assets | 89.3185% | 1,321 |
| Equity capital to assets | 9.2689% | 4,740 |
| Core capital (leverage) ratio | 10.0682% | 3,022 |
| Tier 1 risk-based capital ratio | 11.4711% | 5,419 |
| Total risk-based capital ratio | 12.5369% | 5,583 |
| Memoranda: | ||
| Average total assets | $406,640,600 | 1,687 |
| Average earning assets | $366,412,800 | 1,719 |
| Average equity | $38,944,600 | 1,718 |
| Average total loans | $296,438,600 | 1,618 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9297% | 6,817 |
| Cost of funding earning assets | 0.6634% | 7,844 |
| Net interest margin | 4.2663% | 1,819 |
| Noninterest income to average assets | 0.7558% | 2,674 |
| Noninterest expense to average assets | 4.2658% | 955 |
| Loan and lease loss provision to assets | 0.2151% | 5,265 |
| Net operating income to assets | 0.0643% | 5,567 |
| Return on assets (ROA) | 0.0643% | 5,608 |
| Pretax return on assets | 0.1163% | 5,492 |
| Return on Equity (ROE) | 0.6657% | 5,586 |
| Retained earnings to average equity (ytd only) | 0.6657% | 4,912 |
| Net charge-offs to loans | 0.0507% | 6,207 |
| Credit loss provision to net charge-offs | 578.3784% | 672 |
| Earnings coverage of net charge-offs (x) | 8.9097% | 2,180 |
| Efficiency ratio | 92.7926% | 1,477 |
| Assets per employee ($millions) | 3.0143% | 6,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1785% | 5,236 |
| Loan loss allowance to noncurrent loans | 89.3034% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 1.1966% | 4,680 |
| Noncurrent loans to loans | 1.3196% | 4,730 |
| Net loans and leases to total assets | 77.9590% | 1,583 |
| Net loans and leases to deposits | 87.8417% | 2,994 |
| Net loans and leases to core deposits | 115.7563% | 2,653 |
| Total domestic deposits to total assets | 88.7495% | 1,314 |
| Equity capital to assets | 10.0058% | 4,079 |
| Core capital (leverage) ratio | 9.7661% | 3,552 |
| Tier 1 risk-based capital ratio | 11.6377% | 5,297 |
| Total risk-based capital ratio | 12.7375% | 5,389 |
| Memoranda: | ||
| Average total assets | $397,977,250 | 1,743 |
| Average earning assets | $358,334,750 | 1,762 |
| Average equity | $38,455,000 | 1,772 |
| Average total loans | $291,656,000 | 1,665 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7936% | 7,239 |
| Cost of funding earning assets | 0.6991% | 7,920 |
| Net interest margin | 4.0945% | 2,338 |
| Noninterest income to average assets | 0.6902% | 3,051 |
| Noninterest expense to average assets | 4.1654% | 1,110 |
| Loan and lease loss provision to assets | 0.2179% | 4,863 |
| Net operating income to assets | -0.0244% | 5,889 |
| Return on assets (ROA) | -0.0244% | 5,954 |
| Pretax return on assets | -0.0155% | 5,884 |
| Return on Equity (ROE) | -0.2558% | 5,961 |
| Retained earnings to average equity (ytd only) | -0.2558% | 5,288 |
| Net charge-offs to loans | 0.0251% | 6,130 |
| Credit loss provision to net charge-offs | 1,213.8889% | 408 |
| Earnings coverage of net charge-offs (x) | 11.2778% | 1,917 |
| Efficiency ratio | 95.3642% | 1,417 |
| Assets per employee ($millions) | 3.1737% | 5,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1674% | 5,156 |
| Loan loss allowance to noncurrent loans | 96.7518% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 1.0356% | 4,897 |
| Noncurrent loans to loans | 1.2066% | 4,800 |
| Net loans and leases to total assets | 72.6309% | 3,058 |
| Net loans and leases to deposits | 81.1528% | 4,368 |
| Net loans and leases to core deposits | 104.0418% | 4,056 |
| Total domestic deposits to total assets | 89.4989% | 1,042 |
| Equity capital to assets | 9.4379% | 4,691 |
| Core capital (leverage) ratio | 9.5456% | 3,815 |
| Tier 1 risk-based capital ratio | 11.5217% | 5,358 |
| Total risk-based capital ratio | 12.5818% | 5,465 |
| Memoranda: | ||
| Average total assets | $401,021,670 | 1,750 |
| Average earning assets | $360,190,670 | 1,777 |
| Average equity | $38,304,330 | 1,784 |
| Average total loans | $286,623,330 | 1,723 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7202% | 7,479 |
| Cost of funding earning assets | 0.7433% | 7,967 |
| Net interest margin | 3.9769% | 2,745 |
| Noninterest income to average assets | 0.6797% | 3,004 |
| Noninterest expense to average assets | 4.1374% | 1,014 |
| Loan and lease loss provision to assets | 0.2420% | 4,044 |
| Net operating income to assets | -0.1104% | 6,429 |
| Return on assets (ROA) | -0.1104% | 6,538 |
| Pretax return on assets | -0.1436% | 6,516 |
| Return on Equity (ROE) | -1.1492% | 6,563 |
| Retained earnings to average equity (ytd only) | -1.1492% | 5,924 |
| Net charge-offs to loans | 0.0257% | 5,185 |
| Credit loss provision to net charge-offs | 1,338.8889% | 472 |
| Earnings coverage of net charge-offs (x) | 5.4444% | 2,674 |
| Efficiency ratio | 97.6772% | 1,230 |
| Assets per employee ($millions) | 3.1154% | 5,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1675% | 5,000 |
| Loan loss allowance to noncurrent loans | 449.3207% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.3389% | 6,501 |
| Noncurrent loans to loans | 0.2598% | 6,789 |
| Net loans and leases to total assets | 70.7566% | 3,525 |
| Net loans and leases to deposits | 79.6101% | 4,673 |
| Net loans and leases to core deposits | 100.8691% | 4,453 |
| Total domestic deposits to total assets | 88.8789% | 1,287 |
| Equity capital to assets | 9.6764% | 4,418 |
| Core capital (leverage) ratio | 9.7916% | 3,643 |
| Tier 1 risk-based capital ratio | 12.0515% | 4,922 |
| Total risk-based capital ratio | 13.1100% | 4,983 |
| Memoranda: | ||
| Average total assets | $398,415,000 | 1,771 |
| Average earning assets | $356,256,000 | 1,802 |
| Average equity | $38,286,500 | 1,781 |
| Average total loans | $280,666,500 | 1,773 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5718% | 7,149 |
| Cost of funding earning assets | 1.2293% | 7,910 |
| Net interest margin | 4.3425% | 1,848 |
| Noninterest income to average assets | 0.6817% | 3,233 |
| Noninterest expense to average assets | 4.2766% | 1,075 |
| Loan and lease loss provision to assets | 0.1845% | 5,050 |
| Net operating income to assets | 0.0315% | 6,278 |
| Return on assets (ROA) | 0.0315% | 6,136 |
| Pretax return on assets | 0.0885% | 5,969 |
| Return on Equity (ROE) | 0.3009% | 6,134 |
| Retained earnings to average equity (ytd only) | 0.3009% | 5,060 |
| Net charge-offs to loans | 0.0867% | 5,507 |
| Credit loss provision to net charge-offs | 301.8433% | 1,490 |
| Earnings coverage of net charge-offs (x) | 4.4654% | 3,972 |
| Efficiency ratio | 94.0004% | 1,275 |
| Assets per employee ($millions) | 3.2353% | 5,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1091% | 5,204 |
| Loan loss allowance to noncurrent loans | 428.3333% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.3303% | 6,284 |
| Noncurrent loans to loans | 0.2589% | 6,603 |
| Net loans and leases to total assets | 68.5461% | 4,354 |
| Net loans and leases to deposits | 76.8384% | 5,493 |
| Net loans and leases to core deposits | 90.9196% | 5,727 |
| Total domestic deposits to total assets | 89.2082% | 958 |
| Equity capital to assets | 9.5440% | 4,617 |
| Core capital (leverage) ratio | 10.0325% | 3,416 |
| Tier 1 risk-based capital ratio | 12.1848% | 4,679 |
| Total risk-based capital ratio | 13.1837% | 4,761 |
| Memoranda: | ||
| Average total assets | $355,001,000 | 1,883 |
| Average earning assets | $316,197,400 | 1,928 |
| Average equity | $37,226,800 | 1,821 |
| Average total loans | $250,284,600 | 1,905 |