Home > West View Savings Bank > Performance and Condition Ratios
West View Savings Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3151% | 4,053 |
| Cost of funding earning assets | 2.5480% | 782 |
| Net interest margin | 1.7670% | 4,348 |
| Noninterest income to average assets | 0.1000% | 4,126 |
| Noninterest expense to average assets | 1.1007% | 4,364 |
| Loan and lease loss provision to assets | 0.0300% | 2,300 |
| Net operating income to assets | 0.4828% | 3,599 |
| Return on assets (ROA) | 0.4828% | 3,613 |
| Pretax return on assets | 0.6497% | 3,498 |
| Return on Equity (ROE) | 5.0400% | 3,533 |
| Retained earnings to average equity (ytd only) | -0.8898% | 3,834 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 61.8774% | 2,724 |
| Assets per employee ($millions) | 14.0954% | 277 |
| Cash dividends to net income (ytd only)* | 117.6471% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6428% | 4,112 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 23.1100% | 4,277 |
| Net loans and leases to deposits | 62.2349% | 3,368 |
| Net loans and leases to core deposits | 68.0817% | 3,388 |
| Total domestic deposits to total assets | 37.1400% | 4,343 |
| Equity capital to assets | 9.5490% | 2,531 |
| Core capital (leverage) ratio | 10.4305% | 2,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.1059% | 236 |
| Memoranda: | ||
| Average total assets | $352,139,500 | 2,253 |
| Average earning assets | $335,475,000 | 2,206 |
| Average equity | $33,715,000 | 2,279 |
| Average total loans | $81,243,500 | 3,428 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6340% | 3,691 |
| Cost of funding earning assets | 3.0369% | 463 |
| Net interest margin | 1.5970% | 4,365 |
| Noninterest income to average assets | 0.1000% | 4,209 |
| Noninterest expense to average assets | 1.0822% | 4,400 |
| Loan and lease loss provision to assets | 0.0100% | 2,986 |
| Net operating income to assets | 0.3975% | 3,684 |
| Return on assets (ROA) | 0.3975% | 3,710 |
| Pretax return on assets | 0.5339% | 3,583 |
| Return on Equity (ROE) | 4.2400% | 3,664 |
| Retained earnings to average equity (ytd only) | 1.2517% | 3,610 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 66.4431% | 2,441 |
| Assets per employee ($millions) | 14.6623% | 236 |
| Cash dividends to net income (ytd only)* | 70.4722% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6397% | 4,137 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 22.7300% | 4,298 |
| Net loans and leases to deposits | 67.0956% | 3,128 |
| Net loans and leases to core deposits | 67.8030% | 3,449 |
| Total domestic deposits to total assets | 33.8800% | 4,369 |
| Equity capital to assets | 9.5997% | 2,383 |
| Core capital (leverage) ratio | 10.1611% | 2,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.9808% | 198 |
| Memoranda: | ||
| Average total assets | $356,969,800 | 2,209 |
| Average earning assets | $341,759,400 | 2,149 |
| Average equity | $33,473,400 | 2,238 |
| Average total loans | $76,921,600 | 3,462 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7051% | 3,542 |
| Cost of funding earning assets | 3.1116% | 422 |
| Net interest margin | 1.5935% | 4,398 |
| Noninterest income to average assets | 0.1000% | 4,224 |
| Noninterest expense to average assets | 1.0734% | 4,421 |
| Loan and lease loss provision to assets | 0.0200% | 2,606 |
| Net operating income to assets | 0.4001% | 3,679 |
| Return on assets (ROA) | 0.4001% | 3,707 |
| Pretax return on assets | 0.5378% | 3,580 |
| Return on Equity (ROE) | 4.2900% | 3,673 |
| Retained earnings to average equity (ytd only) | 1.2975% | 3,637 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 65.9803% | 2,489 |
| Assets per employee ($millions) | 14.1606% | 262 |
| Cash dividends to net income (ytd only)* | 69.7674% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6498% | 4,158 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 22.1100% | 4,336 |
| Net loans and leases to deposits | 63.7853% | 3,379 |
| Net loans and leases to core deposits | 64.4385% | 3,626 |
| Total domestic deposits to total assets | 34.6700% | 4,402 |
| Equity capital to assets | 9.5250% | 2,647 |
| Core capital (leverage) ratio | 9.6662% | 3,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.9405% | 260 |
| Memoranda: | ||
| Average total assets | $358,238,500 | 2,190 |
| Average earning assets | $343,305,500 | 2,132 |
| Average equity | $33,396,500 | 2,237 |
| Average total loans | $76,025,250 | 3,481 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7112% | 3,452 |
| Cost of funding earning assets | 3.1339% | 365 |
| Net interest margin | 1.5774% | 4,418 |
| Noninterest income to average assets | 0.1000% | 4,231 |
| Noninterest expense to average assets | 1.0577% | 4,451 |
| Loan and lease loss provision to assets | 0.0400% | 2,101 |
| Net operating income to assets | 0.3843% | 3,695 |
| Return on assets (ROA) | 0.3843% | 3,736 |
| Pretax return on assets | 0.5172% | 3,595 |
| Return on Equity (ROE) | 4.1500% | 3,700 |
| Retained earnings to average equity (ytd only) | 1.1475% | 3,570 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 65.5410% | 2,597 |
| Assets per employee ($millions) | 14.3108% | 238 |
| Cash dividends to net income (ytd only)* | 72.3589% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6984% | 4,115 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 21.3400% | 4,355 |
| Net loans and leases to deposits | 60.2162% | 3,562 |
| Net loans and leases to core deposits | 60.4546% | 3,750 |
| Total domestic deposits to total assets | 35.4400% | 4,421 |
| Equity capital to assets | 9.3336% | 2,503 |
| Core capital (leverage) ratio | 9.2829% | 3,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.8991% | 257 |
| Memoranda: | ||
| Average total assets | $359,646,333 | 2,167 |
| Average earning assets | $345,133,667 | 2,120 |
| Average equity | $33,288,667 | 2,210 |
| Average total loans | $75,103,667 | 3,504 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5856% | 3,547 |
| Cost of funding earning assets | 2.9583% | 458 |
| Net interest margin | 1.6273% | 4,440 |
| Noninterest income to average assets | 0.1000% | 4,220 |
| Noninterest expense to average assets | 1.0871% | 4,473 |
| Loan and lease loss provision to assets | 0.0300% | 2,039 |
| Net operating income to assets | 0.4082% | 3,598 |
| Return on assets (ROA) | 0.4082% | 3,615 |
| Pretax return on assets | 0.5480% | 3,485 |
| Return on Equity (ROE) | 4.4300% | 3,578 |
| Retained earnings to average equity (ytd only) | 1.4201% | 3,389 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 65.3333% | 2,654 |
| Assets per employee ($millions) | 16.4134% | 162 |
| Cash dividends to net income (ytd only)* | 67.9348% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6687% | 4,154 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 20.7300% | 4,380 |
| Net loans and leases to deposits | 58.2842% | 3,611 |
| Net loans and leases to core deposits | 58.9785% | 3,809 |
| Total domestic deposits to total assets | 35.5700% | 4,473 |
| Equity capital to assets | 9.2280% | 2,526 |
| Core capital (leverage) ratio | 9.3447% | 3,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.0265% | 279 |
| Memoranda: | ||
| Average total assets | $360,584,000 | 2,177 |
| Average earning assets | $347,087,000 | 2,124 |
| Average equity | $33,236,500 | 2,213 |
| Average total loans | $74,210,500 | 3,518 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2838% | 3,464 |
| Cost of funding earning assets | 2.8030% | 210 |
| Net interest margin | 1.4809% | 4,508 |
| Noninterest income to average assets | 0.1000% | 4,288 |
| Noninterest expense to average assets | 1.0362% | 4,495 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.3534% | 3,952 |
| Return on assets (ROA) | 0.3534% | 3,948 |
| Pretax return on assets | 0.4829% | 3,842 |
| Return on Equity (ROE) | 3.9200% | 3,897 |
| Retained earnings to average equity (ytd only) | 0.5647% | 3,942 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 68.4220% | 2,059 |
| Assets per employee ($millions) | 14.4029% | 234 |
| Cash dividends to net income (ytd only)* | 85.6031% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6434% | 4,194 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 20.1600% | 4,402 |
| Net loans and leases to deposits | 55.1122% | 3,747 |
| Net loans and leases to core deposits | 55.7523% | 3,923 |
| Total domestic deposits to total assets | 36.5800% | 4,487 |
| Equity capital to assets | 9.2067% | 2,536 |
| Core capital (leverage) ratio | 9.3836% | 3,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.9276% | 275 |
| Memoranda: | ||
| Average total assets | $363,645,400 | 2,147 |
| Average earning assets | $346,954,600 | 2,106 |
| Average equity | $32,761,400 | 2,151 |
| Average total loans | $74,665,800 | 3,483 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2438% | 3,388 |
| Cost of funding earning assets | 2.7437% | 178 |
| Net interest margin | 1.5000% | 4,527 |
| Noninterest income to average assets | 0.1000% | 4,299 |
| Noninterest expense to average assets | 1.0296% | 4,518 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.3694% | 4,009 |
| Return on assets (ROA) | 0.3694% | 4,011 |
| Pretax return on assets | 0.5025% | 3,902 |
| Return on Equity (ROE) | 4.1200% | 3,960 |
| Retained earnings to average equity (ytd only) | 0.6531% | 4,022 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.4090% | 2,089 |
| Assets per employee ($millions) | 14.8002% | 209 |
| Cash dividends to net income (ytd only)* | 84.1584% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6399% | 4,213 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 20.7200% | 4,430 |
| Net loans and leases to deposits | 56.4948% | 3,686 |
| Net loans and leases to core deposits | 57.1582% | 3,809 |
| Total domestic deposits to total assets | 36.6800% | 4,519 |
| Equity capital to assets | 9.2721% | 2,239 |
| Core capital (leverage) ratio | 9.3964% | 3,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.7086% | 271 |
| Memoranda: | ||
| Average total assets | $364,538,500 | 2,141 |
| Average earning assets | $346,914,250 | 2,108 |
| Average equity | $32,664,000 | 2,143 |
| Average total loans | $75,068,500 | 3,482 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2044% | 3,289 |
| Cost of funding earning assets | 2.6959% | 132 |
| Net interest margin | 1.5085% | 4,576 |
| Noninterest income to average assets | 0.1000% | 4,323 |
| Noninterest expense to average assets | 1.0135% | 4,548 |
| Loan and lease loss provision to assets | -0.0100% | 4,374 |
| Net operating income to assets | 0.3928% | 4,014 |
| Return on assets (ROA) | 0.3928% | 4,028 |
| Pretax return on assets | 0.5271% | 3,918 |
| Return on Equity (ROE) | 4.4300% | 3,963 |
| Retained earnings to average equity (ytd only) | 0.7491% | 3,949 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.0873% | 2,226 |
| Assets per employee ($millions) | 15.0679% | 194 |
| Cash dividends to net income (ytd only)* | 83.1025% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6385% | 4,257 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 20.2200% | 4,456 |
| Net loans and leases to deposits | 51.8930% | 3,843 |
| Net loans and leases to core deposits | 52.2739% | 3,943 |
| Total domestic deposits to total assets | 38.9700% | 4,541 |
| Equity capital to assets | 9.0695% | 2,468 |
| Core capital (leverage) ratio | 9.0852% | 3,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9192% | 315 |
| Memoranda: | ||
| Average total assets | $367,649,667 | 2,136 |
| Average earning assets | $349,345,000 | 2,101 |
| Average equity | $32,573,667 | 2,161 |
| Average total loans | $75,399,333 | 3,484 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0487% | 3,361 |
| Cost of funding earning assets | 2.5106% | 98 |
| Net interest margin | 1.5381% | 4,636 |
| Noninterest income to average assets | 0.1000% | 4,366 |
| Noninterest expense to average assets | 0.9939% | 4,626 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4327% | 4,028 |
| Return on assets (ROA) | 0.4327% | 3,979 |
| Pretax return on assets | 0.5547% | 3,916 |
| Return on Equity (ROE) | 4.9400% | 3,899 |
| Retained earnings to average equity (ytd only) | 1.2446% | 3,833 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.0473% | 2,449 |
| Assets per employee ($millions) | 15.2971% | 193 |
| Cash dividends to net income (ytd only)* | 74.8130% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6480% | 4,310 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 20.3400% | 4,515 |
| Net loans and leases to deposits | 52.0949% | 3,789 |
| Net loans and leases to core deposits | 52.4702% | 3,891 |
| Total domestic deposits to total assets | 39.0400% | 4,593 |
| Equity capital to assets | 8.8919% | 2,600 |
| Core capital (leverage) ratio | 9.2840% | 3,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5014% | 473 |
| Memoranda: | ||
| Average total assets | $370,659,500 | 2,154 |
| Average earning assets | $350,832,500 | 2,118 |
| Average equity | $32,461,500 | 2,190 |
| Average total loans | $76,295,000 | 3,511 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5259% | 4,495 |
| Cost of funding earning assets | 0.9952% | 165 |
| Net interest margin | 1.5307% | 4,629 |
| Noninterest income to average assets | 0.1000% | 4,426 |
| Noninterest expense to average assets | 0.9881% | 4,647 |
| Loan and lease loss provision to assets | -0.0100% | 4,279 |
| Net operating income to assets | 0.4392% | 4,192 |
| Return on assets (ROA) | 0.4394% | 4,151 |
| Pretax return on assets | 0.5855% | 4,051 |
| Return on Equity (ROE) | 4.9500% | 4,032 |
| Retained earnings to average equity (ytd only) | 1.0753% | 4,182 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.2998% | 2,591 |
| Assets per employee ($millions) | 16.2691% | 158 |
| Cash dividends to net income (ytd only)* | 78.2718% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6237% | 4,313 |
| Loan loss allowance to noncurrent loans | 151.4107% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 0.0853% | 2,955 |
| Noncurrent loans to loans | 0.4119% | 1,690 |
| Net loans and leases to total assets | 20.5700% | 4,549 |
| Net loans and leases to deposits | 50.6963% | 3,869 |
| Net loans and leases to core deposits | 51.3221% | 3,929 |
| Total domestic deposits to total assets | 40.5700% | 4,622 |
| Equity capital to assets | 8.6261% | 2,611 |
| Core capital (leverage) ratio | 9.0966% | 3,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6029% | 768 |
| Memoranda: | ||
| Average total assets | $363,440,000 | 2,164 |
| Average earning assets | $346,059,800 | 2,125 |
| Average equity | $32,270,000 | 2,233 |
| Average total loans | $77,692,200 | 3,441 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1092% | 4,585 |
| Cost of funding earning assets | 0.6342% | 364 |
| Net interest margin | 1.4750% | 4,642 |
| Noninterest income to average assets | 0.1100% | 4,421 |
| Noninterest expense to average assets | 0.9757% | 4,682 |
| Loan and lease loss provision to assets | -0.0100% | 4,370 |
| Net operating income to assets | 0.4088% | 4,227 |
| Return on assets (ROA) | 0.4091% | 4,168 |
| Pretax return on assets | 0.5492% | 4,070 |
| Return on Equity (ROE) | 4.5700% | 4,065 |
| Retained earnings to average equity (ytd only) | 1.4751% | 4,147 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.5793% | 2,471 |
| Assets per employee ($millions) | 15.1768% | 197 |
| Cash dividends to net income (ytd only)* | 67.7507% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6270% | 4,353 |
| Loan loss allowance to noncurrent loans | 153.9185% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 0.0876% | 3,053 |
| Noncurrent loans to loans | 0.4074% | 1,800 |
| Net loans and leases to total assets | 21.3600% | 4,578 |
| Net loans and leases to deposits | 50.8332% | 3,800 |
| Net loans and leases to core deposits | 51.4554% | 3,880 |
| Total domestic deposits to total assets | 42.0300% | 4,666 |
| Equity capital to assets | 8.7906% | 2,354 |
| Core capital (leverage) ratio | 9.2341% | 3,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7038% | 892 |
| Memoranda: | ||
| Average total assets | $360,752,750 | 2,191 |
| Average earning assets | $343,754,250 | 2,151 |
| Average equity | $32,268,000 | 2,265 |
| Average total loans | $77,755,250 | 3,458 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7884% | 4,666 |
| Cost of funding earning assets | 0.3582% | 1,202 |
| Net interest margin | 1.4303% | 4,690 |
| Noninterest income to average assets | 0.1062% | 4,457 |
| Noninterest expense to average assets | 0.9872% | 4,699 |
| Loan and lease loss provision to assets | -0.0189% | 4,424 |
| Net operating income to assets | 0.3732% | 4,163 |
| Return on assets (ROA) | 0.3754% | 4,115 |
| Pretax return on assets | 0.5045% | 3,988 |
| Return on Equity (ROE) | 4.1730% | 3,991 |
| Retained earnings to average equity (ytd only) | 1.2364% | 3,940 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1585% | 2,361 |
| Assets per employee ($millions) | 13.8624% | 241 |
| Cash dividends to net income (ytd only)* | 70.3704% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6430% | 4,417 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 21.2215% | 4,640 |
| Net loans and leases to deposits | 49.7771% | 3,817 |
| Net loans and leases to core deposits | 50.7262% | 3,894 |
| Total domestic deposits to total assets | 42.6330% | 4,733 |
| Equity capital to assets | 8.8610% | 2,485 |
| Core capital (leverage) ratio | 9.0443% | 3,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9764% | 1,194 |
| Memoranda: | ||
| Average total assets | $359,589,667 | 2,202 |
| Average earning assets | $342,870,000 | 2,171 |
| Average equity | $32,351,000 | 2,304 |
| Average total loans | $77,571,667 | 3,494 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6106% | 4,701 |
| Cost of funding earning assets | 0.1927% | 2,898 |
| Net interest margin | 1.4179% | 4,710 |
| Noninterest income to average assets | 0.1047% | 4,487 |
| Noninterest expense to average assets | 0.9589% | 4,731 |
| Loan and lease loss provision to assets | -0.0167% | 4,441 |
| Net operating income to assets | 0.3831% | 3,995 |
| Return on assets (ROA) | 0.3831% | 3,958 |
| Pretax return on assets | 0.5145% | 3,846 |
| Return on Equity (ROE) | 4.2263% | 3,819 |
| Retained earnings to average equity (ytd only) | 0.8477% | 3,856 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8257% | 2,791 |
| Assets per employee ($millions) | 14.6640% | 217 |
| Cash dividends to net income (ytd only)* | 79.9419% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6690% | 4,435 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 20.7763% | 4,658 |
| Net loans and leases to deposits | 46.2540% | 3,961 |
| Net loans and leases to core deposits | 49.5257% | 3,898 |
| Total domestic deposits to total assets | 44.9179% | 4,756 |
| Equity capital to assets | 8.7954% | 2,883 |
| Core capital (leverage) ratio | 9.2478% | 3,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8953% | 1,289 |
| Memoranda: | ||
| Average total assets | $359,173,000 | 2,209 |
| Average earning assets | $342,485,000 | 2,175 |
| Average equity | $32,558,000 | 2,355 |
| Average total loans | $77,866,500 | 3,497 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6587% | 4,733 |
| Cost of funding earning assets | 0.2104% | 3,363 |
| Net interest margin | 1.4483% | 4,729 |
| Noninterest income to average assets | 0.1192% | 4,537 |
| Noninterest expense to average assets | 1.1045% | 4,737 |
| Loan and lease loss provision to assets | -0.0246% | 4,245 |
| Net operating income to assets | 0.3135% | 4,406 |
| Return on assets (ROA) | 0.3465% | 4,382 |
| Pretax return on assets | 0.4638% | 4,304 |
| Return on Equity (ROE) | 3.4844% | 4,296 |
| Retained earnings to average equity (ytd only) | 0.7669% | 4,313 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5359% | 1,362 |
| Assets per employee ($millions) | 11.3466% | 463 |
| Cash dividends to net income (ytd only)* | 77.9896% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6679% | 4,473 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 22.3246% | 4,689 |
| Net loans and leases to deposits | 48.2842% | 3,980 |
| Net loans and leases to core deposits | 52.7441% | 3,841 |
| Total domestic deposits to total assets | 46.2359% | 4,798 |
| Equity capital to assets | 9.3454% | 3,277 |
| Core capital (leverage) ratio | 9.4101% | 2,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5356% | 1,156 |
| Memoranda: | ||
| Average total assets | $333,089,400 | 2,279 |
| Average earning assets | $318,023,800 | 2,244 |
| Average equity | $33,118,800 | 2,381 |
| Average total loans | $83,997,800 | 3,415 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6723% | 4,815 |
| Cost of funding earning assets | 0.2228% | 3,398 |
| Net interest margin | 1.4495% | 4,817 |
| Noninterest income to average assets | 0.1210% | 4,583 |
| Noninterest expense to average assets | 1.1314% | 4,807 |
| Loan and lease loss provision to assets | -0.0244% | 4,364 |
| Net operating income to assets | 0.2960% | 4,524 |
| Return on assets (ROA) | 0.3280% | 4,508 |
| Pretax return on assets | 0.4384% | 4,440 |
| Return on Equity (ROE) | 3.2468% | 4,424 |
| Retained earnings to average equity (ytd only) | 0.8358% | 4,439 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1821% | 1,105 |
| Assets per employee ($millions) | 10.8633% | 494 |
| Cash dividends to net income (ytd only)* | 74.2574% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6720% | 4,548 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 23.3871% | 4,752 |
| Net loans and leases to deposits | 51.7864% | 3,899 |
| Net loans and leases to core deposits | 56.4168% | 3,742 |
| Total domestic deposits to total assets | 45.1608% | 4,871 |
| Equity capital to assets | 9.5556% | 3,326 |
| Core capital (leverage) ratio | 9.5487% | 2,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3988% | 1,270 |
| Memoranda: | ||
| Average total assets | $328,425,250 | 2,328 |
| Average earning assets | $313,578,750 | 2,282 |
| Average equity | $33,180,500 | 2,409 |
| Average total loans | $85,233,750 | 3,446 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7039% | 4,852 |
| Cost of funding earning assets | 0.2277% | 3,487 |
| Net interest margin | 1.4762% | 4,849 |
| Noninterest income to average assets | 0.1211% | 4,592 |
| Noninterest expense to average assets | 1.1657% | 4,833 |
| Loan and lease loss provision to assets | -0.0286% | 4,465 |
| Net operating income to assets | 0.2923% | 4,535 |
| Return on assets (ROA) | 0.3242% | 4,521 |
| Pretax return on assets | 0.4335% | 4,472 |
| Return on Equity (ROE) | 3.1476% | 4,451 |
| Retained earnings to average equity (ytd only) | 0.7356% | 4,389 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1769% | 1,070 |
| Assets per employee ($millions) | 10.7016% | 499 |
| Cash dividends to net income (ytd only)* | 76.6284% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6942% | 4,541 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 23.5607% | 4,787 |
| Net loans and leases to deposits | 50.5941% | 4,070 |
| Net loans and leases to core deposits | 53.8385% | 4,029 |
| Total domestic deposits to total assets | 46.5680% | 4,901 |
| Equity capital to assets | 9.7065% | 3,138 |
| Core capital (leverage) ratio | 10.2264% | 2,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8023% | 1,388 |
| Memoranda: | ||
| Average total assets | $322,024,667 | 2,351 |
| Average earning assets | $307,417,667 | 2,302 |
| Average equity | $33,168,000 | 2,395 |
| Average total loans | $86,361,667 | 3,450 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7566% | 4,874 |
| Cost of funding earning assets | 0.2433% | 3,536 |
| Net interest margin | 1.5134% | 4,871 |
| Noninterest income to average assets | 0.1232% | 4,578 |
| Noninterest expense to average assets | 1.1841% | 4,862 |
| Loan and lease loss provision to assets | -0.0090% | 4,578 |
| Net operating income to assets | 0.2896% | 4,533 |
| Return on assets (ROA) | 0.3464% | 4,486 |
| Pretax return on assets | 0.4644% | 4,402 |
| Return on Equity (ROE) | 3.2597% | 4,426 |
| Retained earnings to average equity (ytd only) | 0.8451% | 4,244 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5319% | 1,178 |
| Assets per employee ($millions) | 9.6842% | 654 |
| Cash dividends to net income (ytd only)* | 74.0741% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6939% | 4,580 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 27.8482% | 4,752 |
| Net loans and leases to deposits | 54.9815% | 3,871 |
| Net loans and leases to core deposits | 59.1120% | 3,762 |
| Total domestic deposits to total assets | 50.6502% | 4,923 |
| Equity capital to assets | 10.6937% | 2,090 |
| Core capital (leverage) ratio | 10.7593% | 1,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1647% | 1,253 |
| Memoranda: | ||
| Average total assets | $311,811,000 | 2,386 |
| Average earning assets | $297,614,500 | 2,351 |
| Average equity | $33,132,000 | 2,390 |
| Average total loans | $88,918,500 | 3,427 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3808% | 4,868 |
| Cost of funding earning assets | 0.6419% | 2,048 |
| Net interest margin | 1.7389% | 4,890 |
| Noninterest income to average assets | 0.1115% | 4,705 |
| Noninterest expense to average assets | 1.0378% | 4,925 |
| Loan and lease loss provision to assets | 0.0235% | 4,106 |
| Net operating income to assets | 0.5132% | 4,001 |
| Return on assets (ROA) | 0.5042% | 4,104 |
| Pretax return on assets | 0.6959% | 3,888 |
| Return on Equity (ROE) | 5.4986% | 3,745 |
| Retained earnings to average equity (ytd only) | 0.9059% | 4,259 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6796% | 3,637 |
| Assets per employee ($millions) | 10.4576% | 461 |
| Cash dividends to net income (ytd only)* | 83.5253% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6708% | 4,630 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 28.7905% | 4,785 |
| Net loans and leases to deposits | 59.9869% | 3,765 |
| Net loans and leases to core deposits | 62.8971% | 3,775 |
| Total domestic deposits to total assets | 47.9948% | 4,950 |
| Equity capital to assets | 10.5585% | 2,621 |
| Core capital (leverage) ratio | 10.2079% | 2,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2625% | 1,199 |
| Memoranda: | ||
| Average total assets | $344,282,600 | 2,081 |
| Average earning assets | $328,080,800 | 2,037 |
| Average equity | $31,571,800 | 2,403 |
| Average total loans | $91,599,000 | 3,375 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5285% | 4,902 |
| Cost of funding earning assets | 0.7509% | 1,742 |
| Net interest margin | 1.7776% | 4,936 |
| Noninterest income to average assets | 0.1106% | 4,721 |
| Noninterest expense to average assets | 1.0248% | 4,966 |
| Loan and lease loss provision to assets | 0.0341% | 3,912 |
| Net operating income to assets | 0.5382% | 3,932 |
| Return on assets (ROA) | 0.5232% | 4,070 |
| Pretax return on assets | 0.7270% | 3,839 |
| Return on Equity (ROE) | 5.9047% | 3,588 |
| Retained earnings to average equity (ytd only) | 0.9877% | 4,263 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7800% | 3,823 |
| Assets per employee ($millions) | 9.9446% | 513 |
| Cash dividends to net income (ytd only)* | 83.2730% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6702% | 4,621 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 27.9572% | 4,850 |
| Net loans and leases to deposits | 63.4838% | 3,830 |
| Net loans and leases to core deposits | 66.3552% | 3,873 |
| Total domestic deposits to total assets | 44.0384% | 4,987 |
| Equity capital to assets | 9.9953% | 3,226 |
| Core capital (leverage) ratio | 9.4510% | 3,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4881% | 1,136 |
| Memoranda: | ||
| Average total assets | $351,921,250 | 2,021 |
| Average earning assets | $335,417,750 | 1,978 |
| Average equity | $31,183,500 | 2,414 |
| Average total loans | $91,765,250 | 3,388 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7418% | 4,924 |
| Cost of funding earning assets | 0.9106% | 1,326 |
| Net interest margin | 1.8312% | 4,978 |
| Noninterest income to average assets | 0.1073% | 4,753 |
| Noninterest expense to average assets | 1.0249% | 5,002 |
| Loan and lease loss provision to assets | 0.0489% | 3,692 |
| Net operating income to assets | 0.5579% | 3,865 |
| Return on assets (ROA) | 0.5302% | 4,012 |
| Pretax return on assets | 0.7453% | 3,753 |
| Return on Equity (ROE) | 6.2263% | 3,430 |
| Retained earnings to average equity (ytd only) | 1.1683% | 4,049 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2758% | 4,033 |
| Assets per employee ($millions) | 10.7573% | 409 |
| Cash dividends to net income (ytd only)* | 81.2369% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6732% | 4,622 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 25.6434% | 4,915 |
| Net loans and leases to deposits | 58.9479% | 4,171 |
| Net loans and leases to core deposits | 63.3165% | 4,112 |
| Total domestic deposits to total assets | 43.5018% | 5,018 |
| Equity capital to assets | 9.0008% | 4,087 |
| Core capital (leverage) ratio | 8.8930% | 4,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5192% | 1,361 |
| Memoranda: | ||
| Average total assets | $359,837,333 | 1,961 |
| Average earning assets | $343,279,667 | 1,929 |
| Average equity | $30,644,000 | 2,432 |
| Average total loans | $91,564,667 | 3,383 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0508% | 4,934 |
| Cost of funding earning assets | 1.1478% | 914 |
| Net interest margin | 1.9030% | 5,037 |
| Noninterest income to average assets | 0.1137% | 4,776 |
| Noninterest expense to average assets | 0.9717% | 5,064 |
| Loan and lease loss provision to assets | -0.0077% | 5,039 |
| Net operating income to assets | 0.7158% | 3,222 |
| Return on assets (ROA) | 0.6879% | 3,383 |
| Pretax return on assets | 0.9286% | 3,060 |
| Return on Equity (ROE) | 8.3094% | 2,381 |
| Retained earnings to average equity (ytd only) | 1.6405% | 3,565 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4009% | 4,641 |
| Assets per employee ($millions) | 11.2304% | 285 |
| Cash dividends to net income (ytd only)* | 80.2568% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5725% | 4,799 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 24.4610% | 4,972 |
| Net loans and leases to deposits | 58.5474% | 4,269 |
| Net loans and leases to core deposits | 67.7607% | 4,001 |
| Total domestic deposits to total assets | 41.7799% | 5,075 |
| Equity capital to assets | 7.3672% | 5,043 |
| Core capital (leverage) ratio | 9.1014% | 4,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1286% | 1,868 |
| Memoranda: | ||
| Average total assets | $362,260,000 | 1,913 |
| Average earning assets | $345,350,500 | 1,871 |
| Average equity | $29,990,000 | 2,453 |
| Average total loans | $91,522,500 | 3,366 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5576% | 4,814 |
| Cost of funding earning assets | 1.4581% | 449 |
| Net interest margin | 2.0995% | 5,080 |
| Noninterest income to average assets | 0.1245% | 4,842 |
| Noninterest expense to average assets | 1.0276% | 5,116 |
| Loan and lease loss provision to assets | 0.0079% | 3,848 |
| Net operating income to assets | 0.8159% | 3,512 |
| Return on assets (ROA) | 0.8127% | 3,608 |
| Pretax return on assets | 1.0883% | 3,200 |
| Return on Equity (ROE) | 9.0175% | 2,747 |
| Retained earnings to average equity (ytd only) | 1.1871% | 4,319 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2951% | 4,820 |
| Assets per employee ($millions) | 10.7248% | 313 |
| Cash dividends to net income (ytd only)* | 86.8357% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5758% | 4,785 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 25.8085% | 5,023 |
| Net loans and leases to deposits | 60.8563% | 4,250 |
| Net loans and leases to core deposits | 67.5005% | 4,107 |
| Total domestic deposits to total assets | 42.4090% | 5,135 |
| Equity capital to assets | 9.2329% | 4,543 |
| Core capital (leverage) ratio | 9.1637% | 4,388 |
| Tier 1 risk-based capital ratio | 16.6076% | 2,183 |
| Total risk-based capital ratio | 16.8994% | 2,465 |
| Memoranda: | ||
| Average total assets | $354,234,600 | 1,895 |
| Average earning assets | $337,984,200 | 1,855 |
| Average equity | $31,926,800 | 2,303 |
| Average total loans | $90,427,400 | 3,386 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6516% | 4,835 |
| Cost of funding earning assets | 1.5056% | 403 |
| Net interest margin | 2.1460% | 5,161 |
| Noninterest income to average assets | 0.1261% | 4,898 |
| Noninterest expense to average assets | 1.0454% | 5,197 |
| Loan and lease loss provision to assets | 0.0139% | 3,625 |
| Net operating income to assets | 0.8184% | 3,611 |
| Return on assets (ROA) | 0.8094% | 3,726 |
| Pretax return on assets | 1.1033% | 3,286 |
| Return on Equity (ROE) | 9.0359% | 2,875 |
| Retained earnings to average equity (ytd only) | 2.3146% | 4,172 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0872% | 4,849 |
| Assets per employee ($millions) | 10.4993% | 306 |
| Cash dividends to net income (ytd only)* | 74.3840% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5921% | 4,839 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 25.3049% | 5,116 |
| Net loans and leases to deposits | 55.7543% | 4,561 |
| Net loans and leases to core deposits | 61.4428% | 4,483 |
| Total domestic deposits to total assets | 45.3864% | 5,213 |
| Equity capital to assets | 9.1228% | 4,716 |
| Core capital (leverage) ratio | 9.2073% | 4,472 |
| Tier 1 risk-based capital ratio | 17.0548% | 2,066 |
| Total risk-based capital ratio | 17.3628% | 2,327 |
| Memoranda: | ||
| Average total assets | $354,313,750 | 1,909 |
| Average earning assets | $338,110,500 | 1,867 |
| Average equity | $31,739,250 | 2,329 |
| Average total loans | $90,066,750 | 3,439 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7251% | 4,802 |
| Cost of funding earning assets | 1.5624% | 310 |
| Net interest margin | 2.1627% | 5,220 |
| Noninterest income to average assets | 0.1262% | 4,943 |
| Noninterest expense to average assets | 1.1001% | 5,244 |
| Loan and lease loss provision to assets | 0.0266% | 3,289 |
| Net operating income to assets | 0.7787% | 3,724 |
| Return on assets (ROA) | 0.7662% | 3,830 |
| Pretax return on assets | 1.0469% | 3,396 |
| Return on Equity (ROE) | 8.6068% | 3,023 |
| Retained earnings to average equity (ytd only) | 2.2502% | 4,039 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2455% | 4,769 |
| Assets per employee ($millions) | 10.1476% | 321 |
| Cash dividends to net income (ytd only)* | 73.8552% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6013% | 4,873 |
| Loan loss allowance to noncurrent loans | 243.5556% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.0634% | 4,439 |
| Noncurrent loans to loans | 0.2469% | 3,650 |
| Net loans and leases to total assets | 25.5056% | 5,160 |
| Net loans and leases to deposits | 60.6513% | 4,398 |
| Net loans and leases to core deposits | 65.2137% | 4,351 |
| Total domestic deposits to total assets | 42.0528% | 5,262 |
| Equity capital to assets | 9.1000% | 4,740 |
| Core capital (leverage) ratio | 9.1487% | 4,511 |
| Tier 1 risk-based capital ratio | 17.1115% | 2,054 |
| Total risk-based capital ratio | 17.4187% | 2,291 |
| Memoranda: | ||
| Average total assets | $353,426,670 | 1,919 |
| Average earning assets | $337,174,000 | 1,879 |
| Average equity | $31,463,670 | 2,337 |
| Average total loans | $89,799,000 | 3,465 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7598% | 4,764 |
| Cost of funding earning assets | 1.5799% | 244 |
| Net interest margin | 2.1799% | 5,280 |
| Noninterest income to average assets | 0.1282% | 4,962 |
| Noninterest expense to average assets | 1.0200% | 5,315 |
| Loan and lease loss provision to assets | 0.0102% | 3,300 |
| Net operating income to assets | 0.8686% | 3,359 |
| Return on assets (ROA) | 0.8453% | 3,510 |
| Pretax return on assets | 1.1459% | 2,989 |
| Return on Equity (ROE) | 9.6019% | 2,546 |
| Retained earnings to average equity (ytd only) | 3.1577% | 3,678 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2449% | 5,017 |
| Assets per employee ($millions) | 10.4773% | 294 |
| Cash dividends to net income (ytd only)* | 67.1141% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5708% | 4,987 |
| Loan loss allowance to noncurrent loans | 222.7074% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 0.0643% | 4,502 |
| Noncurrent loans to loans | 0.2563% | 3,641 |
| Net loans and leases to total assets | 24.9407% | 5,220 |
| Net loans and leases to deposits | 59.3942% | 4,448 |
| Net loans and leases to core deposits | 62.6422% | 4,445 |
| Total domestic deposits to total assets | 41.9918% | 5,323 |
| Equity capital to assets | 8.9285% | 4,734 |
| Core capital (leverage) ratio | 9.1577% | 4,515 |
| Tier 1 risk-based capital ratio | 16.8902% | 2,139 |
| Total risk-based capital ratio | 17.1803% | 2,404 |
| Memoranda: | ||
| Average total assets | $352,557,500 | 1,940 |
| Average earning assets | $335,976,000 | 1,895 |
| Average equity | $31,035,500 | 2,356 |
| Average total loans | $89,131,000 | 3,509 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2634% | 5,105 |
| Cost of funding earning assets | 1.2031% | 340 |
| Net interest margin | 2.0603% | 5,328 |
| Noninterest income to average assets | 0.1299% | 5,040 |
| Noninterest expense to average assets | 1.0529% | 5,346 |
| Loan and lease loss provision to assets | 0.0204% | 3,751 |
| Net operating income to assets | 0.7541% | 3,954 |
| Return on assets (ROA) | 0.7525% | 3,964 |
| Pretax return on assets | 1.0195% | 3,543 |
| Return on Equity (ROE) | 8.4318% | 3,253 |
| Retained earnings to average equity (ytd only) | 0.9630% | 4,713 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2640% | 4,923 |
| Assets per employee ($millions) | 9.9682% | 342 |
| Cash dividends to net income (ytd only)* | 88.5790% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5635% | 5,032 |
| Loan loss allowance to noncurrent loans | 215.0215% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 0.0668% | 4,498 |
| Noncurrent loans to loans | 0.2621% | 3,635 |
| Net loans and leases to total assets | 25.3392% | 5,264 |
| Net loans and leases to deposits | 60.3262% | 4,461 |
| Net loans and leases to core deposits | 63.3482% | 4,482 |
| Total domestic deposits to total assets | 42.0037% | 5,364 |
| Equity capital to assets | 8.6748% | 4,823 |
| Core capital (leverage) ratio | 9.2310% | 4,422 |
| Tier 1 risk-based capital ratio | 16.3229% | 2,299 |
| Total risk-based capital ratio | 16.5987% | 2,603 |
| Memoranda: | ||
| Average total assets | $352,535,600 | 1,910 |
| Average earning assets | $336,214,600 | 1,865 |
| Average equity | $31,464,200 | 2,257 |
| Average total loans | $84,649,600 | 3,580 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1738% | 5,209 |
| Cost of funding earning assets | 1.1212% | 363 |
| Net interest margin | 2.0526% | 5,400 |
| Noninterest income to average assets | 0.1313% | 5,105 |
| Noninterest expense to average assets | 1.0453% | 5,419 |
| Loan and lease loss provision to assets | 0.0219% | 3,580 |
| Net operating income to assets | 0.7411% | 4,104 |
| Return on assets (ROA) | 0.7390% | 4,120 |
| Pretax return on assets | 1.0200% | 3,662 |
| Return on Equity (ROE) | 8.2229% | 3,456 |
| Retained earnings to average equity (ytd only) | 2.4514% | 4,421 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0181% | 4,943 |
| Assets per employee ($millions) | 9.7174% | 358 |
| Cash dividends to net income (ytd only)* | 70.1891% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5644% | 5,101 |
| Loan loss allowance to noncurrent loans | 209.0129% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 0.0666% | 4,647 |
| Noncurrent loans to loans | 0.2700% | 3,723 |
| Net loans and leases to total assets | 24.5278% | 5,347 |
| Net loans and leases to deposits | 55.1545% | 4,785 |
| Net loans and leases to core deposits | 58.1705% | 4,782 |
| Total domestic deposits to total assets | 44.4710% | 5,435 |
| Equity capital to assets | 9.1791% | 4,388 |
| Core capital (leverage) ratio | 9.1966% | 4,515 |
| Tier 1 risk-based capital ratio | 16.8087% | 2,167 |
| Total risk-based capital ratio | 17.0840% | 2,449 |
| Memoranda: | ||
| Average total assets | $353,448,000 | 1,915 |
| Average earning assets | $337,250,000 | 1,871 |
| Average equity | $31,764,000 | 2,235 |
| Average total loans | $83,585,500 | 3,632 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0712% | 5,302 |
| Cost of funding earning assets | 1.0667% | 339 |
| Net interest margin | 2.0045% | 5,470 |
| Noninterest income to average assets | 0.1331% | 5,143 |
| Noninterest expense to average assets | 1.0624% | 5,480 |
| Loan and lease loss provision to assets | 0.0214% | 3,481 |
| Net operating income to assets | 0.6947% | 4,207 |
| Return on assets (ROA) | 0.6925% | 4,220 |
| Pretax return on assets | 0.9592% | 3,777 |
| Return on Equity (ROE) | 7.7603% | 3,604 |
| Retained earnings to average equity (ytd only) | 2.0728% | 4,434 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9294% | 4,899 |
| Assets per employee ($millions) | 10.0619% | 308 |
| Cash dividends to net income (ytd only)* | 73.2899% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5485% | 5,198 |
| Loan loss allowance to noncurrent loans | 198.7234% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 0.0667% | 4,681 |
| Noncurrent loans to loans | 0.2760% | 3,721 |
| Net loans and leases to total assets | 24.0439% | 5,410 |
| Net loans and leases to deposits | 57.4403% | 4,673 |
| Net loans and leases to core deposits | 61.3001% | 4,639 |
| Total domestic deposits to total assets | 41.8590% | 5,502 |
| Equity capital to assets | 9.0264% | 4,537 |
| Core capital (leverage) ratio | 9.0265% | 4,670 |
| Tier 1 risk-based capital ratio | 17.0062% | 2,092 |
| Total risk-based capital ratio | 17.2758% | 2,365 |
| Memoranda: | ||
| Average total assets | $354,654,670 | 1,915 |
| Average earning assets | $338,432,000 | 1,876 |
| Average equity | $31,648,330 | 2,244 |
| Average total loans | $82,683,330 | 3,666 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9240% | 5,405 |
| Cost of funding earning assets | 0.9637% | 444 |
| Net interest margin | 1.9603% | 5,542 |
| Noninterest income to average assets | 0.1326% | 5,201 |
| Noninterest expense to average assets | 1.0171% | 5,554 |
| Loan and lease loss provision to assets | 0.0112% | 3,380 |
| Net operating income to assets | 0.7130% | 4,054 |
| Return on assets (ROA) | 0.7148% | 4,060 |
| Pretax return on assets | 0.9767% | 3,613 |
| Return on Equity (ROE) | 8.0561% | 3,343 |
| Retained earnings to average equity (ytd only) | 2.6727% | 4,110 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7856% | 5,041 |
| Assets per employee ($millions) | 10.7976% | 255 |
| Cash dividends to net income (ytd only)* | 66.8239% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5444% | 5,266 |
| Loan loss allowance to noncurrent loans | 182.9167% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 0.0674% | 4,755 |
| Noncurrent loans to loans | 0.2976% | 3,698 |
| Net loans and leases to total assets | 22.5065% | 5,484 |
| Net loans and leases to deposits | 55.9634% | 4,691 |
| Net loans and leases to core deposits | 58.2681% | 4,740 |
| Total domestic deposits to total assets | 40.2164% | 5,563 |
| Equity capital to assets | 8.8693% | 4,689 |
| Core capital (leverage) ratio | 9.0335% | 4,647 |
| Tier 1 risk-based capital ratio | 17.2850% | 2,040 |
| Total risk-based capital ratio | 17.5470% | 2,306 |
| Memoranda: | ||
| Average total assets | $355,898,000 | 1,920 |
| Average earning assets | $339,539,500 | 1,875 |
| Average equity | $31,578,500 | 2,266 |
| Average total loans | $81,454,000 | 3,724 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5474% | 5,541 |
| Cost of funding earning assets | 0.7216% | 921 |
| Net interest margin | 1.8258% | 5,596 |
| Noninterest income to average assets | 0.1410% | 5,244 |
| Noninterest expense to average assets | 1.0404% | 5,608 |
| Loan and lease loss provision to assets | 0.0100% | 4,079 |
| Net operating income to assets | 0.5032% | 4,369 |
| Return on assets (ROA) | 0.5032% | 4,403 |
| Pretax return on assets | 0.8327% | 4,150 |
| Return on Equity (ROE) | 5.6247% | 3,904 |
| Retained earnings to average equity (ytd only) | 1.1480% | 4,568 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2484% | 4,840 |
| Assets per employee ($millions) | 9.8743% | 331 |
| Cash dividends to net income (ytd only)* | 79.5907% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5214% | 5,364 |
| Loan loss allowance to noncurrent loans | 177.2727% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 0.0681% | 4,787 |
| Noncurrent loans to loans | 0.2941% | 3,725 |
| Net loans and leases to total assets | 23.0241% | 5,546 |
| Net loans and leases to deposits | 55.9570% | 4,801 |
| Net loans and leases to core deposits | 59.3191% | 4,789 |
| Total domestic deposits to total assets | 41.1460% | 5,630 |
| Equity capital to assets | 8.8765% | 4,836 |
| Core capital (leverage) ratio | 9.0459% | 4,591 |
| Tier 1 risk-based capital ratio | 17.8410% | 1,847 |
| Total risk-based capital ratio | 18.1003% | 2,090 |
| Memoranda: | ||
| Average total assets | $349,579,200 | 1,919 |
| Average earning assets | $333,561,400 | 1,876 |
| Average equity | $31,273,000 | 2,273 |
| Average total loans | $77,956,000 | 3,791 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5047% | 5,611 |
| Cost of funding earning assets | 0.6944% | 990 |
| Net interest margin | 1.8103% | 5,669 |
| Noninterest income to average assets | 0.1406% | 5,305 |
| Noninterest expense to average assets | 1.0372% | 5,671 |
| Loan and lease loss provision to assets | 0.0111% | 3,920 |
| Net operating income to assets | 0.5217% | 4,674 |
| Return on assets (ROA) | 0.5217% | 4,702 |
| Pretax return on assets | 0.8197% | 4,300 |
| Return on Equity (ROE) | 5.8198% | 4,202 |
| Retained earnings to average equity (ytd only) | 1.3332% | 4,870 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5259% | 4,789 |
| Assets per employee ($millions) | 9.8881% | 326 |
| Cash dividends to net income (ytd only)* | 77.0930% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5304% | 5,429 |
| Loan loss allowance to noncurrent loans | 173.3607% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 0.0685% | 4,890 |
| Noncurrent loans to loans | 0.3059% | 3,845 |
| Net loans and leases to total assets | 22.2852% | 5,620 |
| Net loans and leases to deposits | 52.0801% | 5,051 |
| Net loans and leases to core deposits | 55.0907% | 5,037 |
| Total domestic deposits to total assets | 42.7902% | 5,696 |
| Equity capital to assets | 8.8375% | 5,045 |
| Core capital (leverage) ratio | 8.9332% | 4,820 |
| Tier 1 risk-based capital ratio | 17.7392% | 1,932 |
| Total risk-based capital ratio | 17.9969% | 2,188 |
| Memoranda: | ||
| Average total assets | $348,105,000 | 1,934 |
| Average earning assets | $332,170,250 | 1,892 |
| Average equity | $31,202,750 | 2,290 |
| Average total loans | $76,876,500 | 3,845 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4440% | 5,674 |
| Cost of funding earning assets | 0.6590% | 1,093 |
| Net interest margin | 1.7851% | 5,721 |
| Noninterest income to average assets | 0.1465% | 5,330 |
| Noninterest expense to average assets | 1.0663% | 5,725 |
| Loan and lease loss provision to assets | 0.0133% | 3,687 |
| Net operating income to assets | 0.4897% | 4,733 |
| Return on assets (ROA) | 0.4897% | 4,768 |
| Pretax return on assets | 0.7682% | 4,380 |
| Return on Equity (ROE) | 5.4375% | 4,296 |
| Retained earnings to average equity (ytd only) | 0.9384% | 4,855 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7068% | 4,635 |
| Assets per employee ($millions) | 9.5001% | 348 |
| Cash dividends to net income (ytd only)* | 82.7423% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5355% | 5,476 |
| Loan loss allowance to noncurrent loans | 169.5122% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 0.0700% | 4,917 |
| Noncurrent loans to loans | 0.3159% | 3,908 |
| Net loans and leases to total assets | 22.0355% | 5,672 |
| Net loans and leases to deposits | 52.6088% | 5,035 |
| Net loans and leases to core deposits | 54.7555% | 5,056 |
| Total domestic deposits to total assets | 41.8856% | 5,745 |
| Equity capital to assets | 8.8855% | 5,004 |
| Core capital (leverage) ratio | 9.0178% | 4,704 |
| Tier 1 risk-based capital ratio | 18.3533% | 1,762 |
| Total risk-based capital ratio | 18.6202% | 2,004 |
| Memoranda: | ||
| Average total assets | $345,482,670 | 1,947 |
| Average earning assets | $329,290,000 | 1,908 |
| Average equity | $31,117,330 | 2,288 |
| Average total loans | $75,918,000 | 3,886 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3819% | 5,748 |
| Cost of funding earning assets | 0.5976% | 1,392 |
| Net interest margin | 1.7843% | 5,788 |
| Noninterest income to average assets | 0.1518% | 5,352 |
| Noninterest expense to average assets | 1.0150% | 5,801 |
| Loan and lease loss provision to assets | 0.0175% | 3,348 |
| Net operating income to assets | 0.5081% | 4,567 |
| Return on assets (ROA) | 0.5081% | 4,595 |
| Pretax return on assets | 0.8211% | 4,030 |
| Return on Equity (ROE) | 5.6022% | 4,089 |
| Retained earnings to average equity (ytd only) | 1.0947% | 4,619 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7574% | 5,065 |
| Assets per employee ($millions) | 9.3208% | 381 |
| Cash dividends to net income (ytd only)* | 80.4598% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5429% | 5,552 |
| Loan loss allowance to noncurrent loans | 164.9194% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 0.0719% | 4,985 |
| Noncurrent loans to loans | 0.3292% | 3,939 |
| Net loans and leases to total assets | 21.7276% | 5,730 |
| Net loans and leases to deposits | 50.7006% | 5,087 |
| Net loans and leases to core deposits | 52.1851% | 5,136 |
| Total domestic deposits to total assets | 42.8547% | 5,810 |
| Equity capital to assets | 9.0266% | 4,783 |
| Core capital (leverage) ratio | 9.0272% | 4,701 |
| Tier 1 risk-based capital ratio | 18.6267% | 1,714 |
| Total risk-based capital ratio | 18.8910% | 1,947 |
| Memoranda: | ||
| Average total assets | $342,471,500 | 1,974 |
| Average earning assets | $326,629,000 | 1,929 |
| Average equity | $31,059,500 | 2,291 |
| Average total loans | $74,940,500 | 3,925 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2181% | 5,821 |
| Cost of funding earning assets | 0.4914% | 2,156 |
| Net interest margin | 1.7267% | 5,837 |
| Noninterest income to average assets | 0.1475% | 5,464 |
| Noninterest expense to average assets | 1.0748% | 5,846 |
| Loan and lease loss provision to assets | 0.0128% | 4,122 |
| Net operating income to assets | 0.4542% | 4,784 |
| Return on assets (ROA) | 0.4561% | 4,857 |
| Pretax return on assets | 0.7084% | 4,462 |
| Return on Equity (ROE) | 4.9772% | 4,445 |
| Retained earnings to average equity (ytd only) | 1.0761% | 4,877 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9435% | 4,590 |
| Assets per employee ($millions) | 9.1912% | 402 |
| Cash dividends to net income (ytd only)* | 78.3801% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5286% | 5,632 |
| Loan loss allowance to noncurrent loans | 157.6000% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 0.0735% | 5,038 |
| Noncurrent loans to loans | 0.3354% | 3,938 |
| Net loans and leases to total assets | 21.8030% | 5,786 |
| Net loans and leases to deposits | 50.9367% | 5,169 |
| Net loans and leases to core deposits | 51.9113% | 5,230 |
| Total domestic deposits to total assets | 42.8040% | 5,870 |
| Equity capital to assets | 9.1125% | 4,692 |
| Core capital (leverage) ratio | 9.2447% | 4,416 |
| Tier 1 risk-based capital ratio | 17.1320% | 2,116 |
| Total risk-based capital ratio | 17.3692% | 2,438 |
| Memoranda: | ||
| Average total assets | $335,675,800 | 1,972 |
| Average earning assets | $319,909,200 | 1,919 |
| Average equity | $30,760,200 | 2,306 |
| Average total loans | $65,491,400 | 4,151 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2139% | 5,890 |
| Cost of funding earning assets | 0.4910% | 2,165 |
| Net interest margin | 1.7229% | 5,905 |
| Noninterest income to average assets | 0.1574% | 5,486 |
| Noninterest expense to average assets | 1.0899% | 5,910 |
| Loan and lease loss provision to assets | 0.0100% | 4,039 |
| Net operating income to assets | 0.4502% | 4,874 |
| Return on assets (ROA) | 0.4527% | 4,950 |
| Pretax return on assets | 0.7030% | 4,602 |
| Return on Equity (ROE) | 4.9332% | 4,545 |
| Retained earnings to average equity (ytd only) | 1.0249% | 5,082 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5893% | 4,452 |
| Assets per employee ($millions) | 9.0533% | 400 |
| Cash dividends to net income (ytd only)* | 79.2253% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5546% | 5,661 |
| Loan loss allowance to noncurrent loans | 149.2063% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 0.0752% | 5,137 |
| Noncurrent loans to loans | 0.3717% | 3,933 |
| Net loans and leases to total assets | 20.1265% | 5,869 |
| Net loans and leases to deposits | 46.4289% | 5,446 |
| Net loans and leases to core deposits | 46.6683% | 5,489 |
| Total domestic deposits to total assets | 43.3490% | 5,935 |
| Equity capital to assets | 9.2273% | 4,949 |
| Core capital (leverage) ratio | 9.2011% | 4,585 |
| Tier 1 risk-based capital ratio | 17.5491% | 2,056 |
| Total risk-based capital ratio | 17.7928% | 2,352 |
| Memoranda: | ||
| Average total assets | $334,576,500 | 1,981 |
| Average earning assets | $318,764,500 | 1,929 |
| Average equity | $30,703,000 | 2,316 |
| Average total loans | $63,229,250 | 4,222 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2135% | 5,969 |
| Cost of funding earning assets | 0.5024% | 2,087 |
| Net interest margin | 1.7111% | 5,991 |
| Noninterest income to average assets | 0.1591% | 5,521 |
| Noninterest expense to average assets | 1.0997% | 5,987 |
| Loan and lease loss provision to assets | 0.0054% | 3,949 |
| Net operating income to assets | 0.4345% | 4,925 |
| Return on assets (ROA) | 0.4383% | 4,996 |
| Pretax return on assets | 0.6913% | 4,648 |
| Return on Equity (ROE) | 4.7855% | 4,610 |
| Retained earnings to average equity (ytd only) | 0.8683% | 5,039 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4228% | 4,444 |
| Assets per employee ($millions) | 9.0711% | 375 |
| Cash dividends to net income (ytd only)* | 81.8554% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5536% | 5,745 |
| Loan loss allowance to noncurrent loans | 141.7323% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 0.0757% | 5,233 |
| Noncurrent loans to loans | 0.3906% | 3,963 |
| Net loans and leases to total assets | 19.2690% | 5,949 |
| Net loans and leases to deposits | 45.0353% | 5,530 |
| Net loans and leases to core deposits | 45.5822% | 5,575 |
| Total domestic deposits to total assets | 42.7864% | 6,014 |
| Equity capital to assets | 9.1880% | 5,078 |
| Core capital (leverage) ratio | 9.2825% | 4,479 |
| Tier 1 risk-based capital ratio | 16.7549% | 2,331 |
| Total risk-based capital ratio | 16.9749% | 2,707 |
| Memoranda: | ||
| Average total assets | $334,444,670 | 1,992 |
| Average earning assets | $318,855,330 | 1,937 |
| Average equity | $30,634,330 | 2,328 |
| Average total loans | $61,707,670 | 4,291 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2003% | 6,034 |
| Cost of funding earning assets | 0.5064% | 2,055 |
| Net interest margin | 1.6939% | 6,056 |
| Noninterest income to average assets | 0.1570% | 5,550 |
| Noninterest expense to average assets | 1.0927% | 6,057 |
| Loan and lease loss provision to assets | 0.0252% | 3,343 |
| Net operating income to assets | 0.4038% | 4,987 |
| Return on assets (ROA) | 0.4038% | 5,063 |
| Pretax return on assets | 0.6542% | 4,667 |
| Return on Equity (ROE) | 4.4150% | 4,729 |
| Retained earnings to average equity (ytd only) | 0.4847% | 4,997 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6633% | 4,495 |
| Assets per employee ($millions) | 9.1449% | 372 |
| Cash dividends to net income (ytd only)* | 89.0208% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6004% | 5,744 |
| Loan loss allowance to noncurrent loans | 145.8824% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 0.0754% | 5,278 |
| Noncurrent loans to loans | 0.4116% | 3,959 |
| Net loans and leases to total assets | 18.2004% | 6,016 |
| Net loans and leases to deposits | 43.2808% | 5,617 |
| Net loans and leases to core deposits | 43.3585% | 5,680 |
| Total domestic deposits to total assets | 42.0518% | 6,078 |
| Equity capital to assets | 9.0622% | 5,110 |
| Core capital (leverage) ratio | 9.2206% | 4,576 |
| Tier 1 risk-based capital ratio | 16.8384% | 2,351 |
| Total risk-based capital ratio | 17.0683% | 2,704 |
| Memoranda: | ||
| Average total assets | $333,851,000 | 2,003 |
| Average earning assets | $318,314,000 | 1,943 |
| Average equity | $30,532,500 | 2,339 |
| Average total loans | $60,045,000 | 4,368 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1330% | 6,084 |
| Cost of funding earning assets | 0.3967% | 3,195 |
| Net interest margin | 1.7362% | 6,087 |
| Noninterest income to average assets | 0.1711% | 5,559 |
| Noninterest expense to average assets | 1.1091% | 6,103 |
| Loan and lease loss provision to assets | 0.0299% | 3,772 |
| Net operating income to assets | 0.4415% | 4,908 |
| Return on assets (ROA) | 0.4457% | 4,980 |
| Pretax return on assets | 0.6923% | 4,548 |
| Return on Equity (ROE) | 4.7057% | 4,651 |
| Retained earnings to average equity (ytd only) | 0.5188% | 5,312 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7806% | 4,789 |
| Assets per employee ($millions) | 8.6669% | 439 |
| Cash dividends to net income (ytd only)* | 88.9742% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6038% | 5,794 |
| Loan loss allowance to noncurrent loans | 136.5759% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 0.0780% | 5,316 |
| Noncurrent loans to loans | 0.4421% | 3,886 |
| Net loans and leases to total assets | 17.5453% | 6,085 |
| Net loans and leases to deposits | 40.5232% | 5,758 |
| Net loans and leases to core deposits | 40.5958% | 5,801 |
| Total domestic deposits to total assets | 43.2971% | 6,136 |
| Equity capital to assets | 9.2312% | 4,863 |
| Core capital (leverage) ratio | 9.4154% | 4,297 |
| Tier 1 risk-based capital ratio | 18.0119% | 1,963 |
| Total risk-based capital ratio | 18.2436% | 2,235 |
| Memoranda: | ||
| Average total assets | $321,529,800 | 2,039 |
| Average earning assets | $306,241,400 | 1,988 |
| Average equity | $30,452,200 | 2,288 |
| Average total loans | $46,344,800 | 4,781 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1562% | 6,172 |
| Cost of funding earning assets | 0.3919% | 3,303 |
| Net interest margin | 1.7643% | 6,175 |
| Noninterest income to average assets | 0.1727% | 5,614 |
| Noninterest expense to average assets | 1.1110% | 6,192 |
| Loan and lease loss provision to assets | 0.0284% | 3,670 |
| Net operating income to assets | 0.4681% | 4,903 |
| Return on assets (ROA) | 0.4681% | 5,001 |
| Pretax return on assets | 0.7143% | 4,638 |
| Return on Equity (ROE) | 4.9105% | 4,666 |
| Retained earnings to average equity (ytd only) | 0.6434% | 5,429 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9370% | 4,898 |
| Assets per employee ($millions) | 8.7631% | 405 |
| Cash dividends to net income (ytd only)* | 86.8987% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6110% | 5,874 |
| Loan loss allowance to noncurrent loans | 124.7104% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 0.0778% | 5,446 |
| Noncurrent loans to loans | 0.4899% | 3,881 |
| Net loans and leases to total assets | 15.7788% | 6,187 |
| Net loans and leases to deposits | 38.2198% | 5,918 |
| Net loans and leases to core deposits | 38.2908% | 5,966 |
| Total domestic deposits to total assets | 41.2843% | 6,226 |
| Equity capital to assets | 9.1637% | 5,154 |
| Core capital (leverage) ratio | 9.1348% | 4,832 |
| Tier 1 risk-based capital ratio | 18.2853% | 1,964 |
| Total risk-based capital ratio | 18.5129% | 2,226 |
| Memoranda: | ||
| Average total assets | $319,577,000 | 2,060 |
| Average earning assets | $304,480,500 | 2,011 |
| Average equity | $30,464,750 | 2,303 |
| Average total loans | $43,397,250 | 4,929 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1996% | 6,238 |
| Cost of funding earning assets | 0.3887% | 3,382 |
| Net interest margin | 1.8109% | 6,244 |
| Noninterest income to average assets | 0.1745% | 5,654 |
| Noninterest expense to average assets | 1.1158% | 6,268 |
| Loan and lease loss provision to assets | 0.0305% | 3,516 |
| Net operating income to assets | 0.5052% | 4,744 |
| Return on assets (ROA) | 0.5052% | 4,856 |
| Pretax return on assets | 0.7521% | 4,487 |
| Return on Equity (ROE) | 5.2286% | 4,512 |
| Retained earnings to average equity (ytd only) | 0.7948% | 5,241 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7763% | 5,138 |
| Assets per employee ($millions) | 8.6742% | 411 |
| Cash dividends to net income (ytd only)* | 84.7990% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6521% | 5,893 |
| Loan loss allowance to noncurrent loans | 97.7419% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 0.0940% | 5,491 |
| Noncurrent loans to loans | 0.6672% | 3,478 |
| Net loans and leases to total assets | 14.0050% | 6,272 |
| Net loans and leases to deposits | 32.8065% | 6,109 |
| Net loans and leases to core deposits | 32.8065% | 6,126 |
| Total domestic deposits to total assets | 42.6897% | 6,295 |
| Equity capital to assets | 9.2364% | 4,973 |
| Core capital (leverage) ratio | 9.5394% | 4,228 |
| Tier 1 risk-based capital ratio | 20.6960% | 1,424 |
| Total risk-based capital ratio | 20.9338% | 1,589 |
| Memoranda: | ||
| Average total assets | $315,103,330 | 2,099 |
| Average earning assets | $299,961,330 | 2,045 |
| Average equity | $30,448,000 | 2,306 |
| Average total loans | $40,241,000 | 5,093 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3626% | 6,269 |
| Cost of funding earning assets | 0.3881% | 3,434 |
| Net interest margin | 1.9745% | 6,278 |
| Noninterest income to average assets | 0.1728% | 5,678 |
| Noninterest expense to average assets | 1.1291% | 6,345 |
| Loan and lease loss provision to assets | 0.0403% | 3,106 |
| Net operating income to assets | 0.6094% | 4,243 |
| Return on assets (ROA) | 0.6094% | 4,334 |
| Pretax return on assets | 0.8810% | 3,959 |
| Return on Equity (ROE) | 6.1610% | 3,949 |
| Retained earnings to average equity (ytd only) | 2.5485% | 4,413 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0697% | 5,590 |
| Assets per employee ($millions) | 9.1744% | 342 |
| Cash dividends to net income (ytd only)* | 58.6354% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7451% | 5,815 |
| Loan loss allowance to noncurrent loans | 91.9614% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 0.0969% | 5,559 |
| Noncurrent loans to loans | 0.8103% | 3,220 |
| Net loans and leases to total assets | 11.8644% | 6,356 |
| Net loans and leases to deposits | 26.5642% | 6,241 |
| Net loans and leases to core deposits | 26.5642% | 6,253 |
| Total domestic deposits to total assets | 44.6632% | 6,366 |
| Equity capital to assets | 9.5212% | 4,723 |
| Core capital (leverage) ratio | 9.8589% | 3,811 |
| Tier 1 risk-based capital ratio | 22.4666% | 1,174 |
| Total risk-based capital ratio | 22.7110% | 1,307 |
| Memoranda: | ||
| Average total assets | $307,846,000 | 2,145 |
| Average earning assets | $292,732,000 | 2,096 |
| Average equity | $30,449,500 | 2,323 |
| Average total loans | $37,128,500 | 5,240 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0306% | 6,416 |
| Cost of funding earning assets | 0.4150% | 3,540 |
| Net interest margin | 1.6156% | 6,422 |
| Noninterest income to average assets | 0.1771% | 5,795 |
| Noninterest expense to average assets | 1.1648% | 6,415 |
| Loan and lease loss provision to assets | 0.0113% | 4,403 |
| Net operating income to assets | 0.3635% | 5,343 |
| Return on assets (ROA) | 0.3594% | 5,428 |
| Pretax return on assets | 0.5394% | 5,146 |
| Return on Equity (ROE) | 3.6897% | 5,234 |
| Retained earnings to average equity (ytd only) | 0.4662% | 5,565 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6581% | 3,953 |
| Assets per employee ($millions) | 7.5536% | 645 |
| Cash dividends to net income (ytd only)* | 87.3656% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7108% | 5,971 |
| Loan loss allowance to noncurrent loans | 55.0756% | 4,952 |
| Noncurrent assets plus other real estate owned to assets | 0.1572% | 5,394 |
| Noncurrent loans to loans | 1.2906% | 2,293 |
| Net loans and leases to total assets | 12.0911% | 6,443 |
| Net loans and leases to deposits | 24.8727% | 6,360 |
| Net loans and leases to core deposits | 24.8727% | 6,362 |
| Total domestic deposits to total assets | 48.6118% | 6,450 |
| Equity capital to assets | 10.2943% | 3,731 |
| Core capital (leverage) ratio | 9.8976% | 3,717 |
| Tier 1 risk-based capital ratio | 29.7557% | 520 |
| Total risk-based capital ratio | 30.0428% | 566 |
| Memoranda: | ||
| Average total assets | $310,537,800 | 2,094 |
| Average earning assets | $296,855,000 | 2,019 |
| Average equity | $30,246,400 | 2,257 |
| Average total loans | $31,994,000 | 5,487 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9956% | 6,503 |
| Cost of funding earning assets | 0.4199% | 3,576 |
| Net interest margin | 1.5758% | 6,506 |
| Noninterest income to average assets | 0.1717% | 5,897 |
| Noninterest expense to average assets | 1.1327% | 6,500 |
| Loan and lease loss provision to assets | 0.0072% | 4,275 |
| Net operating income to assets | 0.3567% | 5,409 |
| Return on assets (ROA) | 0.3514% | 5,495 |
| Pretax return on assets | 0.5303% | 5,237 |
| Return on Equity (ROE) | 3.6568% | 5,302 |
| Retained earnings to average equity (ytd only) | 0.5690% | 5,639 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4918% | 3,942 |
| Assets per employee ($millions) | 8.3457% | 449 |
| Cash dividends to net income (ytd only)* | 84.4388% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7598% | 5,967 |
| Loan loss allowance to noncurrent loans | 51.0776% | 5,112 |
| Noncurrent assets plus other real estate owned to assets | 0.1463% | 5,604 |
| Noncurrent loans to loans | 1.4875% | 2,185 |
| Net loans and leases to total assets | 9.7611% | 6,534 |
| Net loans and leases to deposits | 21.5640% | 6,480 |
| Net loans and leases to core deposits | 21.5640% | 6,474 |
| Total domestic deposits to total assets | 45.2655% | 6,533 |
| Equity capital to assets | 9.5706% | 4,707 |
| Core capital (leverage) ratio | 9.6867% | 4,100 |
| Tier 1 risk-based capital ratio | 28.0793% | 641 |
| Total risk-based capital ratio | 28.3385% | 689 |
| Memoranda: | ||
| Average total assets | $314,525,000 | 2,082 |
| Average earning assets | $300,715,750 | 2,008 |
| Average equity | $30,226,500 | 2,270 |
| Average total loans | $31,024,000 | 5,584 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9927% | 6,572 |
| Cost of funding earning assets | 0.4392% | 3,448 |
| Net interest margin | 1.5535% | 6,578 |
| Noninterest income to average assets | 0.1703% | 5,933 |
| Noninterest expense to average assets | 1.1433% | 6,567 |
| Loan and lease loss provision to assets | 0.0089% | 4,056 |
| Net operating income to assets | 0.3359% | 5,447 |
| Return on assets (ROA) | 0.3277% | 5,544 |
| Pretax return on assets | 0.4923% | 5,300 |
| Return on Equity (ROE) | 3.4057% | 5,381 |
| Retained earnings to average equity (ytd only) | 0.5897% | 5,500 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0146% | 3,834 |
| Assets per employee ($millions) | 8.1543% | 458 |
| Cash dividends to net income (ytd only)* | 82.6848% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7811% | 6,020 |
| Loan loss allowance to noncurrent loans | 38.5502% | 5,542 |
| Noncurrent assets plus other real estate owned to assets | 0.1959% | 5,538 |
| Noncurrent loans to loans | 2.0262% | 1,668 |
| Net loans and leases to total assets | 9.5926% | 6,602 |
| Net loans and leases to deposits | 20.7078% | 6,548 |
| Net loans and leases to core deposits | 20.7078% | 6,548 |
| Total domestic deposits to total assets | 46.3235% | 6,601 |
| Equity capital to assets | 9.7827% | 4,384 |
| Core capital (leverage) ratio | 9.7099% | 4,024 |
| Tier 1 risk-based capital ratio | 27.9457% | 648 |
| Total risk-based capital ratio | 28.2021% | 693 |
| Memoranda: | ||
| Average total assets | $313,654,000 | 2,082 |
| Average earning assets | $300,089,670 | 2,005 |
| Average equity | $30,184,670 | 2,268 |
| Average total loans | $30,967,670 | 5,631 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9169% | 6,654 |
| Cost of funding earning assets | 0.4650% | 3,265 |
| Net interest margin | 1.4519% | 6,659 |
| Noninterest income to average assets | 0.1661% | 5,985 |
| Noninterest expense to average assets | 1.1193% | 6,654 |
| Loan and lease loss provision to assets | 0.0063% | 3,738 |
| Net operating income to assets | 0.2899% | 5,529 |
| Return on assets (ROA) | 0.2738% | 5,634 |
| Pretax return on assets | 0.4056% | 5,439 |
| Return on Equity (ROE) | 2.8685% | 5,505 |
| Retained earnings to average equity (ytd only) | -0.1195% | 5,574 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9641% | 3,494 |
| Assets per employee ($millions) | 8.1315% | 451 |
| Cash dividends to net income (ytd only)* | 104.1667% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7199% | 6,254 |
| Loan loss allowance to noncurrent loans | 40.3226% | 5,563 |
| Noncurrent assets plus other real estate owned to assets | 0.1760% | 5,700 |
| Noncurrent loans to loans | 1.7853% | 2,159 |
| Net loans and leases to total assets | 9.7847% | 6,672 |
| Net loans and leases to deposits | 21.4500% | 6,604 |
| Net loans and leases to core deposits | 21.4500% | 6,604 |
| Total domestic deposits to total assets | 45.6163% | 6,671 |
| Equity capital to assets | 9.5110% | 4,485 |
| Core capital (leverage) ratio | 9.9120% | 3,691 |
| Tier 1 risk-based capital ratio | 25.3475% | 855 |
| Total risk-based capital ratio | 25.5568% | 947 |
| Memoranda: | ||
| Average total assets | $315,549,000 | 2,080 |
| Average earning assets | $301,953,000 | 2,001 |
| Average equity | $30,120,500 | 2,268 |
| Average total loans | $31,472,500 | 5,655 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0656% | 6,705 |
| Cost of funding earning assets | 0.5048% | 3,559 |
| Net interest margin | 1.5608% | 6,717 |
| Noninterest income to average assets | 0.1672% | 6,082 |
| Noninterest expense to average assets | 1.2065% | 6,712 |
| Loan and lease loss provision to assets | -0.0373% | 6,349 |
| Net operating income to assets | 0.3043% | 5,506 |
| Return on assets (ROA) | 0.3102% | 5,582 |
| Pretax return on assets | 0.5006% | 5,204 |
| Return on Equity (ROE) | 2.9531% | 5,526 |
| Retained earnings to average equity (ytd only) | 0.3050% | 5,708 |
| Net charge-offs to loans | 0.0301% | 4,830 |
| Credit loss provision to net charge-offs | -1,060.0000% | 6,234 |
| Earnings coverage of net charge-offs (x) | 129.0000% | 360 |
| Efficiency ratio | 72.6521% | 3,359 |
| Assets per employee ($millions) | 8.0505% | 459 |
| Cash dividends to net income (ytd only)* | 89.6708% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6942% | 6,353 |
| Loan loss allowance to noncurrent loans | 35.1438% | 5,786 |
| Noncurrent assets plus other real estate owned to assets | 0.1994% | 5,704 |
| Noncurrent loans to loans | 1.9754% | 2,017 |
| Net loans and leases to total assets | 10.0233% | 6,748 |
| Net loans and leases to deposits | 21.8990% | 6,689 |
| Net loans and leases to core deposits | 21.8990% | 6,691 |
| Total domestic deposits to total assets | 45.7703% | 6,752 |
| Equity capital to assets | 9.5802% | 4,314 |
| Core capital (leverage) ratio | 10.1255% | 3,394 |
| Tier 1 risk-based capital ratio | 23.0242% | 1,095 |
| Total risk-based capital ratio | 23.2112% | 1,244 |
| Memoranda: | ||
| Average total assets | $284,044,200 | 2,241 |
| Average earning assets | $271,784,800 | 2,166 |
| Average equity | $29,833,000 | 2,261 |
| Average total loans | $33,266,400 | 5,609 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1103% | 6,786 |
| Cost of funding earning assets | 0.5117% | 3,654 |
| Net interest margin | 1.5986% | 6,796 |
| Noninterest income to average assets | 0.1586% | 6,235 |
| Noninterest expense to average assets | 1.2052% | 6,786 |
| Loan and lease loss provision to assets | -0.0034% | 6,454 |
| Net operating income to assets | 0.2957% | 5,632 |
| Return on assets (ROA) | 0.3037% | 5,717 |
| Pretax return on assets | 0.4995% | 5,356 |
| Return on Equity (ROE) | 2.8214% | 5,668 |
| Retained earnings to average equity (ytd only) | -0.0448% | 5,948 |
| Net charge-offs to loans | 0.0396% | 4,355 |
| Credit loss provision to net charge-offs | -70.0000% | 5,742 |
| Earnings coverage of net charge-offs (x) | 100.3226% | 498 |
| Efficiency ratio | 71.3674% | 3,541 |
| Assets per employee ($millions) | 7.7868% | 504 |
| Cash dividends to net income (ytd only)* | 101.5869% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9216% | 5,998 |
| Loan loss allowance to noncurrent loans | 24.0392% | 6,160 |
| Noncurrent assets plus other real estate owned to assets | 0.4485% | 5,087 |
| Noncurrent loans to loans | 3.8336% | 941 |
| Net loans and leases to total assets | 11.5905% | 6,827 |
| Net loans and leases to deposits | 23.5189% | 6,756 |
| Net loans and leases to core deposits | 23.5189% | 6,766 |
| Total domestic deposits to total assets | 49.2815% | 6,830 |
| Equity capital to assets | 10.1079% | 3,759 |
| Core capital (leverage) ratio | 10.3978% | 3,107 |
| Tier 1 risk-based capital ratio | 21.2048% | 1,456 |
| Total risk-based capital ratio | 21.4478% | 1,662 |
| Memoranda: | ||
| Average total assets | $276,562,750 | 2,305 |
| Average earning assets | $264,727,000 | 2,225 |
| Average equity | $29,771,500 | 2,283 |
| Average total loans | $33,660,500 | 5,646 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1537% | 6,826 |
| Cost of funding earning assets | 0.5191% | 3,711 |
| Net interest margin | 1.6346% | 6,838 |
| Noninterest income to average assets | 0.1414% | 6,345 |
| Noninterest expense to average assets | 1.2454% | 6,817 |
| Loan and lease loss provision to assets | -0.0141% | 6,584 |
| Net operating income to assets | 0.2750% | 5,693 |
| Return on assets (ROA) | 0.2873% | 5,783 |
| Pretax return on assets | 0.4961% | 5,393 |
| Return on Equity (ROE) | 2.6105% | 5,754 |
| Retained earnings to average equity (ytd only) | -0.6863% | 5,991 |
| Net charge-offs to loans | 0.0600% | 3,846 |
| Credit loss provision to net charge-offs | -190.0000% | 5,724 |
| Earnings coverage of net charge-offs (x) | 62.5000% | 680 |
| Efficiency ratio | 72.9085% | 3,321 |
| Assets per employee ($millions) | 7.1877% | 666 |
| Cash dividends to net income (ytd only)* | 126.2887% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9643% | 5,948 |
| Loan loss allowance to noncurrent loans | 19.0920% | 6,322 |
| Noncurrent assets plus other real estate owned to assets | 0.5593% | 4,848 |
| Noncurrent loans to loans | 5.0506% | 633 |
| Net loans and leases to total assets | 10.9670% | 6,877 |
| Net loans and leases to deposits | 22.0714% | 6,820 |
| Net loans and leases to core deposits | 22.0714% | 6,824 |
| Total domestic deposits to total assets | 49.6885% | 6,877 |
| Equity capital to assets | 10.3332% | 3,513 |
| Core capital (leverage) ratio | 11.1074% | 2,254 |
| Tier 1 risk-based capital ratio | 19.1083% | 1,967 |
| Total risk-based capital ratio | 19.3317% | 2,250 |
| Memoranda: | ||
| Average total assets | $270,117,670 | 2,372 |
| Average earning assets | $258,899,000 | 2,273 |
| Average equity | $29,725,670 | 2,296 |
| Average total loans | $33,342,330 | 5,696 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1844% | 6,894 |
| Cost of funding earning assets | 0.5297% | 3,781 |
| Net interest margin | 1.6547% | 6,918 |
| Noninterest income to average assets | 0.1316% | 6,437 |
| Noninterest expense to average assets | 1.2914% | 6,880 |
| Loan and lease loss provision to assets | -0.0367% | 6,776 |
| Net operating income to assets | 0.2459% | 5,739 |
| Return on assets (ROA) | 0.2341% | 5,905 |
| Pretax return on assets | 0.4453% | 5,430 |
| Return on Equity (ROE) | 2.0582% | 5,919 |
| Retained earnings to average equity (ytd only) | -2.5156% | 6,141 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1558% | 3,071 |
| Assets per employee ($millions) | 6.8859% | 818 |
| Cash dividends to net income (ytd only)* | 222.2222% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9072% | 6,245 |
| Loan loss allowance to noncurrent loans | 25.7638% | 6,173 |
| Noncurrent assets plus other real estate owned to assets | 0.4509% | 5,251 |
| Noncurrent loans to loans | 3.5214% | 1,358 |
| Net loans and leases to total assets | 12.6896% | 6,937 |
| Net loans and leases to deposits | 23.8561% | 6,858 |
| Net loans and leases to core deposits | 23.8561% | 6,867 |
| Total domestic deposits to total assets | 53.1921% | 6,944 |
| Equity capital to assets | 11.0638% | 2,884 |
| Core capital (leverage) ratio | 11.9022% | 1,618 |
| Tier 1 risk-based capital ratio | 19.0557% | 2,031 |
| Total risk-based capital ratio | 19.2722% | 2,316 |
| Memoranda: | ||
| Average total assets | $261,422,000 | 2,476 |
| Average earning assets | $250,685,000 | 2,370 |
| Average equity | $29,734,000 | 2,321 |
| Average total loans | $34,094,500 | 5,700 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5502% | 6,921 |
| Cost of funding earning assets | 0.5723% | 4,619 |
| Net interest margin | 1.9779% | 6,941 |
| Noninterest income to average assets | 0.2073% | 5,931 |
| Noninterest expense to average assets | 1.2751% | 6,965 |
| Loan and lease loss provision to assets | -0.0415% | 6,861 |
| Net operating income to assets | 0.5633% | 4,417 |
| Return on assets (ROA) | 0.5664% | 4,656 |
| Pretax return on assets | 0.8586% | 4,073 |
| Return on Equity (ROE) | 5.4027% | 4,478 |
| Retained earnings to average equity (ytd only) | 2.3292% | 4,595 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0832% | 5,375 |
| Assets per employee ($millions) | 6.2023% | 1,166 |
| Cash dividends to net income (ytd only)* | 56.8878% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9941% | 5,990 |
| Loan loss allowance to noncurrent loans | 27.6999% | 6,150 |
| Noncurrent assets plus other real estate owned to assets | 0.5710% | 5,058 |
| Noncurrent loans to loans | 3.5889% | 1,374 |
| Net loans and leases to total assets | 13.1592% | 6,994 |
| Net loans and leases to deposits | 23.6252% | 6,935 |
| Net loans and leases to core deposits | 23.6252% | 6,936 |
| Total domestic deposits to total assets | 55.6999% | 6,998 |
| Equity capital to assets | 11.7015% | 2,273 |
| Core capital (leverage) ratio | 10.8592% | 2,380 |
| Tier 1 risk-based capital ratio | 19.6690% | 1,767 |
| Total risk-based capital ratio | 19.9052% | 2,020 |
| Memoranda: | ||
| Average total assets | $276,836,400 | 2,293 |
| Average earning assets | $263,152,600 | 2,208 |
| Average equity | $29,022,400 | 2,321 |
| Average total loans | $40,678,800 | 5,472 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5644% | 7,034 |
| Cost of funding earning assets | 0.5673% | 4,940 |
| Net interest margin | 1.9971% | 7,040 |
| Noninterest income to average assets | 0.1647% | 6,321 |
| Noninterest expense to average assets | 1.2555% | 7,060 |
| Loan and lease loss provision to assets | -0.0425% | 6,989 |
| Net operating income to assets | 0.5708% | 4,518 |
| Return on assets (ROA) | 0.5749% | 4,768 |
| Pretax return on assets | 0.8539% | 4,284 |
| Return on Equity (ROE) | 5.6311% | 4,516 |
| Retained earnings to average equity (ytd only) | 3.0791% | 4,704 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9253% | 5,328 |
| Assets per employee ($millions) | 6.5954% | 907 |
| Cash dividends to net income (ytd only)* | 45.3201% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9241% | 6,314 |
| Loan loss allowance to noncurrent loans | 23.0671% | 6,410 |
| Noncurrent assets plus other real estate owned to assets | 0.6078% | 5,156 |
| Noncurrent loans to loans | 4.0061% | 1,275 |
| Net loans and leases to total assets | 13.0407% | 7,097 |
| Net loans and leases to deposits | 26.9774% | 7,000 |
| Net loans and leases to core deposits | 27.0147% | 7,004 |
| Total domestic deposits to total assets | 48.3393% | 7,117 |
| Equity capital to assets | 9.9547% | 4,562 |
| Core capital (leverage) ratio | 10.7250% | 2,677 |
| Tier 1 risk-based capital ratio | 17.4763% | 2,550 |
| Total risk-based capital ratio | 17.6994% | 2,996 |
| Memoranda: | ||
| Average total assets | $282,472,250 | 2,277 |
| Average earning assets | $268,182,000 | 2,197 |
| Average equity | $28,839,000 | 2,347 |
| Average total loans | $42,398,750 | 5,472 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6942% | 7,079 |
| Cost of funding earning assets | 0.5849% | 5,024 |
| Net interest margin | 2.1092% | 7,073 |
| Noninterest income to average assets | 0.1635% | 6,359 |
| Noninterest expense to average assets | 1.2697% | 7,120 |
| Loan and lease loss provision to assets | -0.0475% | 7,073 |
| Net operating income to assets | 0.5815% | 4,447 |
| Return on assets (ROA) | 0.5834% | 4,702 |
| Pretax return on assets | 0.9413% | 3,919 |
| Return on Equity (ROE) | 5.6636% | 4,495 |
| Retained earnings to average equity (ytd only) | 3.5870% | 4,207 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7667% | 5,763 |
| Assets per employee ($millions) | 6.0727% | 1,191 |
| Cash dividends to net income (ytd only)* | 36.6667% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9669% | 6,274 |
| Loan loss allowance to noncurrent loans | 25.6154% | 6,335 |
| Noncurrent assets plus other real estate owned to assets | 0.6360% | 5,184 |
| Noncurrent loans to loans | 3.7747% | 1,490 |
| Net loans and leases to total assets | 14.4299% | 7,151 |
| Net loans and leases to deposits | 27.4164% | 7,051 |
| Net loans and leases to core deposits | 27.4164% | 7,065 |
| Total domestic deposits to total assets | 52.6325% | 7,172 |
| Equity capital to assets | 10.6140% | 3,553 |
| Core capital (leverage) ratio | 10.6676% | 2,641 |
| Tier 1 risk-based capital ratio | 19.5324% | 1,843 |
| Total risk-based capital ratio | 19.7978% | 2,075 |
| Memoranda: | ||
| Average total assets | $277,698,330 | 2,313 |
| Average earning assets | $262,938,670 | 2,238 |
| Average equity | $28,603,670 | 2,351 |
| Average total loans | $43,510,000 | 5,450 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6423% | 7,148 |
| Cost of funding earning assets | 0.5820% | 5,273 |
| Net interest margin | 2.0603% | 7,145 |
| Noninterest income to average assets | 0.1443% | 6,519 |
| Noninterest expense to average assets | 1.2247% | 7,201 |
| Loan and lease loss provision to assets | -0.0157% | 7,113 |
| Net operating income to assets | 0.5645% | 4,521 |
| Return on assets (ROA) | 0.5645% | 4,744 |
| Pretax return on assets | 0.8831% | 4,093 |
| Return on Equity (ROE) | 5.5628% | 4,519 |
| Retained earnings to average equity (ytd only) | 4.1545% | 4,099 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5383% | 5,842 |
| Assets per employee ($millions) | 6.8138% | 836 |
| Cash dividends to net income (ytd only)* | 25.3165% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9929% | 6,279 |
| Loan loss allowance to noncurrent loans | 29.2553% | 6,213 |
| Noncurrent assets plus other real estate owned to assets | 0.5672% | 5,466 |
| Noncurrent loans to loans | 3.3939% | 1,860 |
| Net loans and leases to total assets | 14.3093% | 7,210 |
| Net loans and leases to deposits | 30.7315% | 7,035 |
| Net loans and leases to core deposits | 30.7315% | 7,063 |
| Total domestic deposits to total assets | 46.5623% | 7,249 |
| Equity capital to assets | 9.3588% | 5,017 |
| Core capital (leverage) ratio | 10.9389% | 2,305 |
| Tier 1 risk-based capital ratio | 18.9520% | 1,999 |
| Total risk-based capital ratio | 19.2447% | 2,265 |
| Memoranda: | ||
| Average total assets | $279,911,500 | 2,314 |
| Average earning assets | $264,619,500 | 2,240 |
| Average equity | $28,403,000 | 2,368 |
| Average total loans | $45,356,000 | 5,398 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4095% | 7,045 |
| Cost of funding earning assets | 0.9498% | 3,725 |
| Net interest margin | 2.4597% | 7,074 |
| Noninterest income to average assets | 0.1976% | 6,091 |
| Noninterest expense to average assets | 1.4921% | 7,170 |
| Loan and lease loss provision to assets | -0.0286% | 7,229 |
| Net operating income to assets | 0.7032% | 3,473 |
| Return on assets (ROA) | 0.6668% | 3,839 |
| Pretax return on assets | 0.9849% | 3,295 |
| Return on Equity (ROE) | 5.9320% | 3,900 |
| Retained earnings to average equity (ytd only) | 4.6969% | 2,856 |
| Net charge-offs to loans | 0.2759% | 4,045 |
| Credit loss provision to net charge-offs | -50.0000% | 6,664 |
| Earnings coverage of net charge-offs (x) | 17.6643% | 1,257 |
| Efficiency ratio | 59.6377% | 5,814 |
| Assets per employee ($millions) | 5.7546% | 1,406 |
| Cash dividends to net income (ytd only)* | 20.8206% | 3,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9720% | 6,329 |
| Loan loss allowance to noncurrent loans | 41.1121% | 5,535 |
| Noncurrent assets plus other real estate owned to assets | 0.5979% | 5,467 |
| Noncurrent loans to loans | 2.3644% | 2,772 |
| Net loans and leases to total assets | 18.1458% | 7,229 |
| Net loans and leases to deposits | 32.3500% | 7,089 |
| Net loans and leases to core deposits | 32.3500% | 7,107 |
| Total domestic deposits to total assets | 56.0923% | 7,266 |
| Equity capital to assets | 11.1017% | 2,887 |
| Core capital (leverage) ratio | 12.9208% | 1,174 |
| Tier 1 risk-based capital ratio | 19.4418% | 1,783 |
| Total risk-based capital ratio | 19.7535% | 2,012 |
| Memoranda: | ||
| Average total assets | $244,891,600 | 2,581 |
| Average earning assets | $229,420,400 | 2,514 |
| Average equity | $27,528,800 | 2,357 |
| Average total loans | $50,752,200 | 5,241 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6257% | 6,999 |
| Cost of funding earning assets | 1.0621% | 3,235 |
| Net interest margin | 2.5637% | 7,102 |
| Noninterest income to average assets | 0.1977% | 6,181 |
| Noninterest expense to average assets | 1.5408% | 7,201 |
| Loan and lease loss provision to assets | -0.0275% | 7,313 |
| Net operating income to assets | 0.7959% | 3,184 |
| Return on assets (ROA) | 0.7863% | 3,394 |
| Pretax return on assets | 1.0702% | 3,131 |
| Return on Equity (ROE) | 6.9724% | 3,540 |
| Retained earnings to average equity (ytd only) | 6.9724% | 1,982 |
| Net charge-offs to loans | 0.3601% | 3,291 |
| Credit loss provision to net charge-offs | -35.7143% | 6,452 |
| Earnings coverage of net charge-offs (x) | 13.7359% | 1,594 |
| Efficiency ratio | 59.3360% | 5,820 |
| Assets per employee ($millions) | 5.1663% | 1,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9712% | 6,387 |
| Loan loss allowance to noncurrent loans | 44.2254% | 5,370 |
| Noncurrent assets plus other real estate owned to assets | 0.6671% | 5,475 |
| Noncurrent loans to loans | 2.1960% | 3,119 |
| Net loans and leases to total assets | 21.6184% | 7,262 |
| Net loans and leases to deposits | 32.4511% | 7,166 |
| Net loans and leases to core deposits | 32.5095% | 7,192 |
| Total domestic deposits to total assets | 66.6185% | 7,183 |
| Equity capital to assets | 12.6314% | 1,831 |
| Core capital (leverage) ratio | 13.4821% | 1,052 |
| Tier 1 risk-based capital ratio | 19.2841% | 1,861 |
| Total risk-based capital ratio | 19.6046% | 2,100 |
| Memoranda: | ||
| Average total assets | $242,813,500 | 2,610 |
| Average earning assets | $227,221,250 | 2,543 |
| Average equity | $27,383,500 | 2,367 |
| Average total loans | $51,841,000 | 5,235 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6737% | 7,034 |
| Cost of funding earning assets | 1.1953% | 2,609 |
| Net interest margin | 2.4784% | 7,197 |
| Noninterest income to average assets | 0.1882% | 6,319 |
| Noninterest expense to average assets | 1.4898% | 7,316 |
| Loan and lease loss provision to assets | -0.0248% | 7,384 |
| Net operating income to assets | 0.7954% | 3,103 |
| Return on assets (ROA) | 0.7954% | 3,223 |
| Pretax return on assets | 1.0533% | 3,033 |
| Return on Equity (ROE) | 7.3129% | 3,293 |
| Retained earnings to average equity (ytd only) | 7.3129% | 1,735 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1603% | 6,002 |
| Assets per employee ($millions) | 5.3218% | 1,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2455% | 5,336 |
| Loan loss allowance to noncurrent loans | 29.0725% | 6,314 |
| Noncurrent assets plus other real estate owned to assets | 1.0497% | 4,785 |
| Noncurrent loans to loans | 4.2841% | 1,580 |
| Net loans and leases to total assets | 21.8287% | 7,348 |
| Net loans and leases to deposits | 34.4029% | 7,205 |
| Net loans and leases to core deposits | 35.5720% | 7,229 |
| Total domestic deposits to total assets | 63.4502% | 7,324 |
| Equity capital to assets | 12.1266% | 2,014 |
| Core capital (leverage) ratio | 12.6430% | 1,308 |
| Tier 1 risk-based capital ratio | 20.7857% | 1,457 |
| Total risk-based capital ratio | 21.2460% | 1,588 |
| Memoranda: | ||
| Average total assets | $249,700,330 | 2,554 |
| Average earning assets | $234,752,000 | 2,477 |
| Average equity | $27,157,670 | 2,371 |
| Average total loans | $52,955,670 | 5,252 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5412% | 7,184 |
| Cost of funding earning assets | 1.3243% | 2,044 |
| Net interest margin | 2.2169% | 7,348 |
| Noninterest income to average assets | 0.1784% | 6,443 |
| Noninterest expense to average assets | 1.3916% | 7,416 |
| Loan and lease loss provision to assets | 0.0031% | 5,820 |
| Net operating income to assets | 0.5797% | 4,137 |
| Return on assets (ROA) | 0.5797% | 4,205 |
| Pretax return on assets | 0.8688% | 3,629 |
| Return on Equity (ROE) | 5.6140% | 4,105 |
| Retained earnings to average equity (ytd only) | 5.6140% | 2,842 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4810% | 5,764 |
| Assets per employee ($millions) | 5.6219% | 1,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2550% | 5,362 |
| Loan loss allowance to noncurrent loans | 27.5905% | 6,435 |
| Noncurrent assets plus other real estate owned to assets | 0.9714% | 4,955 |
| Noncurrent loans to loans | 4.5486% | 1,529 |
| Net loans and leases to total assets | 21.0892% | 7,414 |
| Net loans and leases to deposits | 29.1294% | 7,367 |
| Net loans and leases to core deposits | 37.3858% | 7,235 |
| Total domestic deposits to total assets | 72.3985% | 7,051 |
| Equity capital to assets | 10.9738% | 2,714 |
| Core capital (leverage) ratio | 11.0394% | 2,159 |
| Tier 1 risk-based capital ratio | 19.6305% | 1,667 |
| Total risk-based capital ratio | 20.0968% | 1,811 |
| Memoranda: | ||
| Average total assets | $260,132,500 | 2,469 |
| Average earning assets | $244,666,000 | 2,401 |
| Average equity | $26,861,500 | 2,392 |
| Average total loans | $54,142,500 | 5,250 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2887% | 7,447 |
| Cost of funding earning assets | 2.1266% | 389 |
| Net interest margin | 1.1621% | 7,573 |
| Noninterest income to average assets | 0.1625% | 6,553 |
| Noninterest expense to average assets | 1.0606% | 7,571 |
| Loan and lease loss provision to assets | 0.0032% | 7,030 |
| Net operating income to assets | 0.1715% | 5,371 |
| Return on assets (ROA) | 0.1240% | 5,672 |
| Pretax return on assets | 0.1470% | 5,602 |
| Return on Equity (ROE) | 1.5757% | 5,532 |
| Retained earnings to average equity (ytd only) | -0.9825% | 5,802 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6824% | 1,957 |
| Assets per employee ($millions) | 5.9327% | 1,256 |
| Cash dividends to net income (ytd only)* | 162.3529% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1920% | 5,558 |
| Loan loss allowance to noncurrent loans | 27.5187% | 6,434 |
| Noncurrent assets plus other real estate owned to assets | 0.8802% | 5,254 |
| Noncurrent loans to loans | 4.3314% | 1,663 |
| Net loans and leases to total assets | 20.0783% | 7,519 |
| Net loans and leases to deposits | 30.2313% | 7,456 |
| Net loans and leases to core deposits | 39.2173% | 7,319 |
| Total domestic deposits to total assets | 66.4154% | 7,376 |
| Equity capital to assets | 9.7390% | 4,065 |
| Core capital (leverage) ratio | 9.7817% | 3,344 |
| Tier 1 risk-based capital ratio | 15.5956% | 2,955 |
| Total risk-based capital ratio | 15.9699% | 3,376 |
| Memoranda: | ||
| Average total assets | $342,832,800 | 1,909 |
| Average earning assets | $325,969,000 | 1,828 |
| Average equity | $26,971,800 | 2,379 |
| Average total loans | $57,997,200 | 5,155 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2734% | 7,586 |
| Cost of funding earning assets | 2.2741% | 302 |
| Net interest margin | 0.9993% | 7,705 |
| Noninterest income to average assets | 0.1488% | 6,797 |
| Noninterest expense to average assets | 0.9721% | 7,701 |
| Loan and lease loss provision to assets | 0.0015% | 6,972 |
| Net operating income to assets | 0.1402% | 5,660 |
| Return on assets (ROA) | 0.0685% | 5,982 |
| Pretax return on assets | 0.0555% | 5,992 |
| Return on Equity (ROE) | 0.9112% | 5,915 |
| Retained earnings to average equity (ytd only) | -2.4873% | 6,282 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3025% | 1,432 |
| Assets per employee ($millions) | 6.9107% | 798 |
| Cash dividends to net income (ytd only)* | 372.9749% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1401% | 5,760 |
| Loan loss allowance to noncurrent loans | 45.8304% | 5,215 |
| Noncurrent assets plus other real estate owned to assets | 0.4489% | 6,306 |
| Noncurrent loans to loans | 2.4878% | 3,129 |
| Net loans and leases to total assets | 17.8384% | 7,636 |
| Net loans and leases to deposits | 29.1893% | 7,572 |
| Net loans and leases to core deposits | 40.9410% | 7,400 |
| Total domestic deposits to total assets | 61.1129% | 7,577 |
| Equity capital to assets | 8.2141% | 6,602 |
| Core capital (leverage) ratio | 8.1921% | 6,052 |
| Tier 1 risk-based capital ratio | 13.4807% | 4,220 |
| Total risk-based capital ratio | 13.8060% | 4,912 |
| Memoranda: | ||
| Average total assets | $360,315,500 | 1,842 |
| Average earning assets | $343,284,500 | 1,768 |
| Average equity | $27,070,250 | 2,403 |
| Average total loans | $58,632,750 | 5,199 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2488% | 7,667 |
| Cost of funding earning assets | 2.3000% | 335 |
| Net interest margin | 0.9489% | 7,780 |
| Noninterest income to average assets | 0.1485% | 6,830 |
| Noninterest expense to average assets | 0.9347% | 7,782 |
| Loan and lease loss provision to assets | -0.0027% | 7,735 |
| Net operating income to assets | 0.1522% | 5,714 |
| Return on assets (ROA) | 0.0486% | 6,098 |
| Pretax return on assets | 0.0187% | 6,123 |
| Return on Equity (ROE) | 0.6645% | 6,037 |
| Retained earnings to average equity (ytd only) | -4.3739% | 6,482 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6525% | 1,451 |
| Assets per employee ($millions) | 7.5448% | 615 |
| Cash dividends to net income (ytd only)* | 758.2418% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1324% | 5,786 |
| Loan loss allowance to noncurrent loans | 38.7155% | 5,768 |
| Noncurrent assets plus other real estate owned to assets | 0.4698% | 6,272 |
| Noncurrent loans to loans | 2.9249% | 2,732 |
| Net loans and leases to total assets | 15.8811% | 7,726 |
| Net loans and leases to deposits | 27.5965% | 7,671 |
| Net loans and leases to core deposits | 39.0542% | 7,509 |
| Total domestic deposits to total assets | 57.5474% | 7,691 |
| Equity capital to assets | 7.3358% | 7,207 |
| Core capital (leverage) ratio | 7.7206% | 6,587 |
| Tier 1 risk-based capital ratio | 13.2762% | 4,225 |
| Total risk-based capital ratio | 13.5948% | 4,977 |
| Memoranda: | ||
| Average total assets | $374,456,670 | 1,792 |
| Average earning assets | $357,482,330 | 1,713 |
| Average equity | $27,389,670 | 2,379 |
| Average total loans | $59,056,670 | 5,224 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2253% | 7,771 |
| Cost of funding earning assets | 2.2582% | 484 |
| Net interest margin | 0.9670% | 7,882 |
| Noninterest income to average assets | 0.1394% | 6,985 |
| Noninterest expense to average assets | 0.8939% | 7,886 |
| Loan and lease loss provision to assets | -0.0042% | 7,830 |
| Net operating income to assets | 0.1884% | 5,725 |
| Return on assets (ROA) | 0.0895% | 6,151 |
| Pretax return on assets | 0.0760% | 6,198 |
| Return on Equity (ROE) | 1.2252% | 6,055 |
| Retained earnings to average equity (ytd only) | -3.6897% | 6,458 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9687% | 2,022 |
| Assets per employee ($millions) | 8.0239% | 515 |
| Cash dividends to net income (ytd only)* | 401.1628% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0864% | 6,069 |
| Loan loss allowance to noncurrent loans | 39.8274% | 5,708 |
| Noncurrent assets plus other real estate owned to assets | 0.4301% | 6,393 |
| Noncurrent loans to loans | 2.7277% | 2,926 |
| Net loans and leases to total assets | 15.5962% | 7,829 |
| Net loans and leases to deposits | 38.4895% | 7,566 |
| Net loans and leases to core deposits | 39.7848% | 7,580 |
| Total domestic deposits to total assets | 40.5207% | 7,857 |
| Equity capital to assets | 7.2411% | 7,258 |
| Core capital (leverage) ratio | 7.4423% | 6,902 |
| Tier 1 risk-based capital ratio | 13.0269% | 4,312 |
| Total risk-based capital ratio | 13.3363% | 5,071 |
| Memoranda: | ||
| Average total assets | $384,382,500 | 1,798 |
| Average earning assets | $367,720,500 | 1,712 |
| Average equity | $28,078,000 | 2,368 |
| Average total loans | $60,105,000 | 5,242 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4719% | 7,839 |
| Cost of funding earning assets | 2.2599% | 1,804 |
| Net interest margin | 1.2120% | 7,904 |
| Noninterest income to average assets | 0.1367% | 7,069 |
| Noninterest expense to average assets | 0.8686% | 7,956 |
| Loan and lease loss provision to assets | -0.0775% | 7,983 |
| Net operating income to assets | 0.3612% | 4,285 |
| Return on assets (ROA) | 0.3614% | 4,383 |
| Pretax return on assets | 0.5123% | 4,150 |
| Return on Equity (ROE) | 5.0552% | 3,644 |
| Retained earnings to average equity (ytd only) | -4.0685% | 5,880 |
| Net charge-offs to loans | 0.0101% | 7,090 |
| Credit loss provision to net charge-offs | -5,350.0000% | 7,499 |
| Earnings coverage of net charge-offs (x) | 299.8333% | 97 |
| Efficiency ratio | 66.6543% | 5,258 |
| Assets per employee ($millions) | 8.3328% | 440 |
| Cash dividends to net income (ytd only)* | 180.4813% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0700% | 6,042 |
| Loan loss allowance to noncurrent loans | 40.1235% | 5,735 |
| Noncurrent assets plus other real estate owned to assets | 0.4136% | 6,428 |
| Noncurrent loans to loans | 2.6668% | 2,878 |
| Net loans and leases to total assets | 15.3449% | 7,907 |
| Net loans and leases to deposits | 40.9071% | 7,599 |
| Net loans and leases to core deposits | 43.0118% | 7,717 |
| Total domestic deposits to total assets | 37.5116% | 7,937 |
| Equity capital to assets | 7.3659% | 7,151 |
| Core capital (leverage) ratio | 7.5539% | 6,733 |
| Tier 1 risk-based capital ratio | 12.0438% | 4,913 |
| Total risk-based capital ratio | 12.3314% | 5,799 |
| Memoranda: | ||
| Average total assets | $413,999,400 | 1,667 |
| Average earning assets | $398,430,000 | 1,598 |
| Average equity | $29,593,400 | 2,258 |
| Average total loans | $59,388,200 | 5,277 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5471% | 7,925 |
| Cost of funding earning assets | 2.2567% | 2,164 |
| Net interest margin | 1.2904% | 7,980 |
| Noninterest income to average assets | 0.1379% | 7,189 |
| Noninterest expense to average assets | 0.8554% | 8,049 |
| Loan and lease loss provision to assets | -0.0991% | 8,068 |
| Net operating income to assets | 0.4287% | 4,283 |
| Return on assets (ROA) | 0.4287% | 4,385 |
| Pretax return on assets | 0.6250% | 4,109 |
| Return on Equity (ROE) | 6.0397% | 3,509 |
| Retained earnings to average equity (ytd only) | -3.2505% | 5,984 |
| Net charge-offs to loans | 0.0135% | 6,726 |
| Credit loss provision to net charge-offs | -5,200.0000% | 7,414 |
| Earnings coverage of net charge-offs (x) | 275.8263% | 134 |
| Efficiency ratio | 61.9278% | 6,122 |
| Assets per employee ($millions) | 7.8739% | 543 |
| Cash dividends to net income (ytd only)* | 153.8179% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1221% | 5,585 |
| Loan loss allowance to noncurrent loans | 40.6289% | 5,627 |
| Noncurrent assets plus other real estate owned to assets | 0.4383% | 6,356 |
| Noncurrent loans to loans | 2.7619% | 2,750 |
| Net loans and leases to total assets | 15.6913% | 7,986 |
| Net loans and leases to deposits | 38.4553% | 7,772 |
| Net loans and leases to core deposits | 40.5603% | 7,848 |
| Total domestic deposits to total assets | 40.8040% | 8,013 |
| Equity capital to assets | 7.9252% | 6,917 |
| Core capital (leverage) ratio | 7.6980% | 6,736 |
| Tier 1 risk-based capital ratio | 13.4491% | 3,897 |
| Total risk-based capital ratio | 13.7641% | 4,483 |
| Memoranda: | ||
| Average total assets | $419,588,750 | 1,664 |
| Average earning assets | $404,301,750 | 1,582 |
| Average equity | $29,779,750 | 2,273 |
| Average total loans | $59,048,500 | 5,336 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5925% | 8,015 |
| Cost of funding earning assets | 2.2001% | 2,795 |
| Net interest margin | 1.3924% | 8,041 |
| Noninterest income to average assets | 0.1289% | 7,317 |
| Noninterest expense to average assets | 0.8356% | 8,144 |
| Loan and lease loss provision to assets | -0.1445% | 8,170 |
| Net operating income to assets | 0.5251% | 3,999 |
| Return on assets (ROA) | 0.5251% | 4,113 |
| Pretax return on assets | 0.7810% | 3,735 |
| Return on Equity (ROE) | 7.6512% | 2,904 |
| Retained earnings to average equity (ytd only) | -2.0381% | 5,755 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7601% | 7,019 |
| Assets per employee ($millions) | 9.1195% | 337 |
| Cash dividends to net income (ytd only)* | 126.6376% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1257% | 5,414 |
| Loan loss allowance to noncurrent loans | 34.3896% | 6,158 |
| Noncurrent assets plus other real estate owned to assets | 0.4589% | 6,296 |
| Noncurrent loans to loans | 3.2733% | 2,163 |
| Net loans and leases to total assets | 13.8613% | 8,087 |
| Net loans and leases to deposits | 39.2372% | 7,834 |
| Net loans and leases to core deposits | 41.6987% | 7,912 |
| Total domestic deposits to total assets | 35.3269% | 8,113 |
| Equity capital to assets | 7.0925% | 7,555 |
| Core capital (leverage) ratio | 7.0277% | 7,518 |
| Tier 1 risk-based capital ratio | 13.5591% | 3,783 |
| Total risk-based capital ratio | 13.8801% | 4,338 |
| Memoranda: | ||
| Average total assets | $436,094,330 | 1,622 |
| Average earning assets | $420,710,330 | 1,539 |
| Average equity | $29,930,000 | 2,267 |
| Average total loans | $59,155,330 | 5,372 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6774% | 8,066 |
| Cost of funding earning assets | 2.2088% | 3,124 |
| Net interest margin | 1.4685% | 8,067 |
| Noninterest income to average assets | 0.1269% | 7,383 |
| Noninterest expense to average assets | 0.7273% | 8,205 |
| Loan and lease loss provision to assets | 0.0126% | 6,684 |
| Net operating income to assets | 0.5437% | 4,242 |
| Return on assets (ROA) | 0.5437% | 4,427 |
| Pretax return on assets | 0.8047% | 4,063 |
| Return on Equity (ROE) | 8.0484% | 3,126 |
| Retained earnings to average equity (ytd only) | -1.6123% | 6,021 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0862% | 7,785 |
| Assets per employee ($millions) | 9.6531% | 293 |
| Cash dividends to net income (ytd only)* | 120.0331% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6531% | 2,301 |
| Loan loss allowance to noncurrent loans | 61.7061% | 4,499 |
| Noncurrent assets plus other real estate owned to assets | 0.3617% | 6,420 |
| Noncurrent loans to loans | 2.6790% | 2,455 |
| Net loans and leases to total assets | 13.2772% | 8,146 |
| Net loans and leases to deposits | 39.7621% | 7,841 |
| Net loans and leases to core deposits | 42.3124% | 7,936 |
| Total domestic deposits to total assets | 33.3915% | 8,162 |
| Equity capital to assets | 6.7455% | 7,786 |
| Core capital (leverage) ratio | 6.7066% | 7,796 |
| Tier 1 risk-based capital ratio | 16.8226% | 2,393 |
| Total risk-based capital ratio | 17.3953% | 2,577 |
| Memoranda: | ||
| Average total assets | $444,392,000 | 1,599 |
| Average earning assets | $429,004,000 | 1,515 |
| Average equity | $30,018,500 | 2,274 |
| Average total loans | $59,328,000 | 5,386 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9223% | 7,885 |
| Cost of funding earning assets | 2.9892% | 1,904 |
| Net interest margin | 1.9331% | 8,104 |
| Noninterest income to average assets | 0.1418% | 7,396 |
| Noninterest expense to average assets | 0.8235% | 8,228 |
| Loan and lease loss provision to assets | -0.0222% | 8,216 |
| Net operating income to assets | 0.8198% | 3,350 |
| Return on assets (ROA) | 0.8198% | 3,190 |
| Pretax return on assets | 1.2070% | 2,611 |
| Return on Equity (ROE) | 11.8886% | 1,629 |
| Retained earnings to average equity (ytd only) | 2.1438% | 3,899 |
| Net charge-offs to loans | -0.1583% | 8,142 |
| Credit loss provision to net charge-offs | 103.2258% | 5,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0061% | 8,106 |
| Assets per employee ($millions) | 9.6683% | 289 |
| Cash dividends to net income (ytd only)* | 81.9672% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6641% | 2,018 |
| Loan loss allowance to noncurrent loans | 63.8145% | 4,818 |
| Noncurrent assets plus other real estate owned to assets | 0.3442% | 6,222 |
| Noncurrent loans to loans | 2.6078% | 2,077 |
| Net loans and leases to total assets | 12.9810% | 8,202 |
| Net loans and leases to deposits | 38.6780% | 7,964 |
| Net loans and leases to core deposits | 40.9662% | 8,035 |
| Total domestic deposits to total assets | 33.5616% | 8,213 |
| Equity capital to assets | 6.7644% | 7,846 |
| Core capital (leverage) ratio | 7.0237% | 7,674 |
| Tier 1 risk-based capital ratio | 17.4177% | 2,201 |
| Total risk-based capital ratio | 18.0015% | 2,335 |
| Memoranda: | ||
| Average total assets | $431,568,600 | 1,583 |
| Average earning assets | $416,693,800 | 1,499 |
| Average equity | $29,759,600 | 2,274 |
| Average total loans | $58,757,200 | 5,330 |