Home > Platte Valley Bank of Missouri > Performance and Condition Ratios
Platte Valley Bank of Missouri, Performance and Condition Ratios
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9185% | 1,151 |
| Cost of funding earning assets | 0.6318% | 3,260 |
| Net interest margin | 4.2867% | 780 |
| Noninterest income to average assets | 0.9949% | 868 |
| Noninterest expense to average assets | 2.5259% | 3,188 |
| Loan and lease loss provision to assets | 0.2440% | 1,274 |
| Net operating income to assets | 1.5006% | 783 |
| Return on assets (ROA) | 1.5006% | 856 |
| Pretax return on assets | 1.9524% | 508 |
| Return on Equity (ROE) | 9.1057% | 2,070 |
| Retained earnings to average equity (ytd only) | 1.4421% | 3,618 |
| Net charge-offs to loans | -0.0465% | 4,616 |
| Credit loss provision to net charge-offs | -833.3333% | 3,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0518% | 4,711 |
| Assets per employee ($millions) | 5.0031% | 2,646 |
| Cash dividends to net income (ytd only)* | 84.1622% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1384% | 5,044 |
| Loan loss allowance to noncurrent loans | 378.4810% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.0229% | 4,519 |
| Noncurrent loans to loans | 0.0366% | 4,413 |
| Net loans and leases to total assets | 62.4839% | 3,247 |
| Net loans and leases to deposits | 79.8247% | 2,699 |
| Net loans and leases to core deposits | 83.0413% | 2,931 |
| Total domestic deposits to total assets | 78.2764% | 4,168 |
| Equity capital to assets | 16.6966% | 478 |
| Core capital (leverage) ratio | 9.0813% | 4,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9363% | 2,737 |
| Memoranda: | ||
| Average total assets | $696,778,500 | 1,121 |
| Average earning assets | $605,871,000 | 1,174 |
| Average equity | $114,829,500 | 835 |
| Average total loans | $438,357,500 | 1,208 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0369% | 1,378 |
| Cost of funding earning assets | 0.6040% | 3,619 |
| Net interest margin | 4.4329% | 835 |
| Noninterest income to average assets | 1.1677% | 689 |
| Noninterest expense to average assets | 4.5382% | 295 |
| Loan and lease loss provision to assets | 0.0567% | 2,899 |
| Net operating income to assets | 0.6628% | 3,980 |
| Return on assets (ROA) | 0.6628% | 4,052 |
| Pretax return on assets | 0.6849% | 4,240 |
| Return on Equity (ROE) | 5.8020% | 3,974 |
| Retained earnings to average equity (ytd only) | 0.6383% | 4,505 |
| Net charge-offs to loans | 0.0217% | 2,981 |
| Credit loss provision to net charge-offs | 365.2632% | 765 |
| Earnings coverage of net charge-offs (x) | 47.7474% | 1,159 |
| Efficiency ratio | 85.5794% | 565 |
| Assets per employee ($millions) | 4.0880% | 3,791 |
| Cash dividends to net income (ytd only)* | 88.9985% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0274% | 5,120 |
| Loan loss allowance to noncurrent loans | 21.2914% | 4,535 |
| Noncurrent assets plus other real estate owned to assets | 0.0815% | 4,230 |
| Noncurrent loans to loans | 0.1288% | 4,002 |
| Net loans and leases to total assets | 63.2300% | 3,288 |
| Net loans and leases to deposits | 80.3086% | 2,740 |
| Net loans and leases to core deposits | 82.9903% | 3,042 |
| Total domestic deposits to total assets | 78.7338% | 4,238 |
| Equity capital to assets | 16.2674% | 560 |
| Core capital (leverage) ratio | 10.4208% | 3,044 |
| Tier 1 risk-based capital ratio | 12.3237% | 4,177 |
| Total risk-based capital ratio | 12.3493% | 4,709 |
| Memoranda: | ||
| Average total assets | $611,652,600 | 1,208 |
| Average earning assets | $567,398,200 | 1,203 |
| Average equity | $69,872,400 | 1,224 |
| Average total loans | $437,661,000 | 1,183 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0833% | 1,322 |
| Cost of funding earning assets | 0.6138% | 3,623 |
| Net interest margin | 4.4695% | 822 |
| Noninterest income to average assets | 1.1669% | 670 |
| Noninterest expense to average assets | 3.3596% | 1,160 |
| Loan and lease loss provision to assets | 0.0478% | 2,937 |
| Net operating income to assets | 1.9810% | 410 |
| Return on assets (ROA) | 1.9803% | 428 |
| Pretax return on assets | 1.9821% | 716 |
| Return on Equity (ROE) | 19.8480% | 260 |
| Retained earnings to average equity (ytd only) | 11.6591% | 423 |
| Net charge-offs to loans | 0.0251% | 2,599 |
| Credit loss provision to net charge-offs | 257.3171% | 1,062 |
| Earnings coverage of net charge-offs (x) | 109.3542% | 701 |
| Efficiency ratio | 62.3283% | 3,276 |
| Assets per employee ($millions) | 3.3550% | 4,624 |
| Cash dividends to net income (ytd only)* | 41.2579% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2076% | 2,467 |
| Loan loss allowance to noncurrent loans | 1,088.2470% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.0841% | 4,298 |
| Noncurrent loans to loans | 0.1110% | 4,148 |
| Net loans and leases to total assets | 74.8394% | 1,675 |
| Net loans and leases to deposits | 86.3466% | 2,156 |
| Net loans and leases to core deposits | 89.2630% | 2,609 |
| Total domestic deposits to total assets | 86.6732% | 1,697 |
| Equity capital to assets | 10.4641% | 3,570 |
| Core capital (leverage) ratio | 10.3089% | 3,304 |
| Tier 1 risk-based capital ratio | 12.7215% | 4,016 |
| Total risk-based capital ratio | 13.8354% | 3,966 |
| Memoranda: | ||
| Average total assets | $588,781,750 | 1,244 |
| Average earning assets | $556,345,500 | 1,222 |
| Average equity | $58,745,000 | 1,392 |
| Average total loans | $435,897,500 | 1,197 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0250% | 1,413 |
| Cost of funding earning assets | 0.6065% | 3,616 |
| Net interest margin | 4.4185% | 913 |
| Noninterest income to average assets | 1.0888% | 717 |
| Noninterest expense to average assets | 3.3663% | 1,159 |
| Loan and lease loss provision to assets | 0.0611% | 2,603 |
| Net operating income to assets | 1.8438% | 545 |
| Return on assets (ROA) | 1.8438% | 568 |
| Pretax return on assets | 1.8410% | 950 |
| Return on Equity (ROE) | 18.7908% | 330 |
| Retained earnings to average equity (ytd only) | 12.5156% | 348 |
| Net charge-offs to loans | 0.0479% | 1,961 |
| Credit loss provision to net charge-offs | 173.7864% | 1,345 |
| Earnings coverage of net charge-offs (x) | 54.1068% | 1,044 |
| Efficiency ratio | 63.8961% | 3,148 |
| Assets per employee ($millions) | 3.3800% | 4,630 |
| Cash dividends to net income (ytd only)* | 33.3950% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2105% | 2,469 |
| Loan loss allowance to noncurrent loans | 1,366.1616% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.0655% | 4,427 |
| Noncurrent loans to loans | 0.0886% | 4,285 |
| Net loans and leases to total assets | 72.9742% | 2,064 |
| Net loans and leases to deposits | 83.5497% | 2,539 |
| Net loans and leases to core deposits | 86.4670% | 2,928 |
| Total domestic deposits to total assets | 87.3423% | 1,411 |
| Equity capital to assets | 10.0153% | 3,963 |
| Core capital (leverage) ratio | 10.1447% | 3,450 |
| Tier 1 risk-based capital ratio | 12.6356% | 4,052 |
| Total risk-based capital ratio | 13.7589% | 4,009 |
| Memoranda: | ||
| Average total assets | $585,977,000 | 1,249 |
| Average earning assets | $554,306,330 | 1,225 |
| Average equity | $57,496,330 | 1,407 |
| Average total loans | $430,396,330 | 1,207 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9316% | 1,517 |
| Cost of funding earning assets | 0.5870% | 3,642 |
| Net interest margin | 4.3446% | 1,018 |
| Noninterest income to average assets | 1.0089% | 785 |
| Noninterest expense to average assets | 3.4945% | 969 |
| Loan and lease loss provision to assets | 0.0090% | 3,321 |
| Net operating income to assets | 1.6196% | 856 |
| Return on assets (ROA) | 1.6196% | 890 |
| Pretax return on assets | 1.6091% | 1,447 |
| Return on Equity (ROE) | 16.6872% | 503 |
| Retained earnings to average equity (ytd only) | 3.7893% | 3,407 |
| Net charge-offs to loans | 0.0133% | 2,228 |
| Credit loss provision to net charge-offs | 92.8571% | 1,693 |
| Earnings coverage of net charge-offs (x) | 166.5714% | 460 |
| Efficiency ratio | 68.3496% | 2,592 |
| Assets per employee ($millions) | 3.2690% | 4,767 |
| Cash dividends to net income (ytd only)* | 77.2922% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2433% | 2,364 |
| Loan loss allowance to noncurrent loans | 1,323.3251% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.0674% | 4,482 |
| Noncurrent loans to loans | 0.0940% | 4,327 |
| Net loans and leases to total assets | 70.8113% | 2,360 |
| Net loans and leases to deposits | 80.5651% | 2,773 |
| Net loans and leases to core deposits | 83.3667% | 3,073 |
| Total domestic deposits to total assets | 87.8932% | 1,396 |
| Equity capital to assets | 9.4663% | 4,290 |
| Core capital (leverage) ratio | 9.9826% | 3,623 |
| Tier 1 risk-based capital ratio | 12.3874% | 4,242 |
| Total risk-based capital ratio | 13.5306% | 4,167 |
| Memoranda: | ||
| Average total assets | $576,454,500 | 1,266 |
| Average earning assets | $544,490,500 | 1,246 |
| Average equity | $55,947,000 | 1,428 |
| Average total loans | $422,134,500 | 1,229 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8114% | 1,525 |
| Cost of funding earning assets | 0.4076% | 3,941 |
| Net interest margin | 4.4038% | 929 |
| Noninterest income to average assets | 1.3296% | 521 |
| Noninterest expense to average assets | 3.5333% | 958 |
| Loan and lease loss provision to assets | 0.0813% | 2,503 |
| Net operating income to assets | 1.8508% | 501 |
| Return on assets (ROA) | 1.8483% | 500 |
| Pretax return on assets | 1.8611% | 793 |
| Return on Equity (ROE) | 19.2955% | 297 |
| Retained earnings to average equity (ytd only) | 9.0916% | 830 |
| Net charge-offs to loans | 0.0300% | 2,801 |
| Credit loss provision to net charge-offs | 371.9008% | 864 |
| Earnings coverage of net charge-offs (x) | 89.0000% | 802 |
| Efficiency ratio | 64.4974% | 3,120 |
| Assets per employee ($millions) | 3.0816% | 4,939 |
| Cash dividends to net income (ytd only)* | 52.8825% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2843% | 2,123 |
| Loan loss allowance to noncurrent loans | 950.8021% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.1011% | 4,320 |
| Noncurrent loans to loans | 0.1351% | 4,133 |
| Net loans and leases to total assets | 73.9144% | 1,950 |
| Net loans and leases to deposits | 84.7794% | 2,433 |
| Net loans and leases to core deposits | 87.5428% | 2,788 |
| Total domestic deposits to total assets | 87.1843% | 1,693 |
| Equity capital to assets | 9.9632% | 3,713 |
| Core capital (leverage) ratio | 10.2366% | 3,318 |
| Tier 1 risk-based capital ratio | 12.7686% | 3,981 |
| Total risk-based capital ratio | 13.9582% | 3,895 |
| Memoranda: | ||
| Average total assets | $553,701,000 | 1,280 |
| Average earning assets | $521,616,400 | 1,264 |
| Average equity | $53,038,200 | 1,443 |
| Average total loans | $403,347,800 | 1,251 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7557% | 1,531 |
| Cost of funding earning assets | 0.3744% | 4,025 |
| Net interest margin | 4.3814% | 938 |
| Noninterest income to average assets | 1.3385% | 531 |
| Noninterest expense to average assets | 3.5697% | 898 |
| Loan and lease loss provision to assets | 0.0713% | 2,536 |
| Net operating income to assets | 1.8183% | 584 |
| Return on assets (ROA) | 1.8150% | 589 |
| Pretax return on assets | 1.8215% | 962 |
| Return on Equity (ROE) | 19.1401% | 328 |
| Retained earnings to average equity (ytd only) | 9.9740% | 934 |
| Net charge-offs to loans | 0.0160% | 2,857 |
| Credit loss provision to net charge-offs | 616.6667% | 581 |
| Earnings coverage of net charge-offs (x) | 163.9750% | 504 |
| Efficiency ratio | 65.3092% | 2,981 |
| Assets per employee ($millions) | 3.0185% | 5,025 |
| Cash dividends to net income (ytd only)* | 47.8896% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2923% | 2,129 |
| Loan loss allowance to noncurrent loans | 2,575.4902% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.0373% | 4,797 |
| Noncurrent loans to loans | 0.0502% | 4,669 |
| Net loans and leases to total assets | 73.4497% | 2,085 |
| Net loans and leases to deposits | 83.9879% | 2,600 |
| Net loans and leases to core deposits | 86.5196% | 2,955 |
| Total domestic deposits to total assets | 87.4527% | 1,514 |
| Equity capital to assets | 9.7612% | 3,859 |
| Core capital (leverage) ratio | 10.1071% | 3,513 |
| Tier 1 risk-based capital ratio | 12.8206% | 4,007 |
| Total risk-based capital ratio | 14.0158% | 3,945 |
| Memoranda: | ||
| Average total assets | $553,456,000 | 1,286 |
| Average earning assets | $521,377,500 | 1,266 |
| Average equity | $52,481,750 | 1,458 |
| Average total loans | $400,354,000 | 1,258 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6755% | 1,566 |
| Cost of funding earning assets | 0.3483% | 4,083 |
| Net interest margin | 4.3272% | 985 |
| Noninterest income to average assets | 1.2774% | 594 |
| Noninterest expense to average assets | 3.5292% | 961 |
| Loan and lease loss provision to assets | 0.0669% | 2,555 |
| Net operating income to assets | 1.7563% | 641 |
| Return on assets (ROA) | 1.7624% | 639 |
| Pretax return on assets | 1.7642% | 1,055 |
| Return on Equity (ROE) | 18.7668% | 351 |
| Retained earnings to average equity (ytd only) | 11.8547% | 543 |
| Net charge-offs to loans | 0.0055% | 2,959 |
| Credit loss provision to net charge-offs | 1,690.9091% | 252 |
| Earnings coverage of net charge-offs (x) | 461.0909% | 196 |
| Efficiency ratio | 65.9140% | 3,001 |
| Assets per employee ($millions) | 3.0832% | 5,040 |
| Cash dividends to net income (ytd only)* | 36.8314% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2817% | 2,261 |
| Loan loss allowance to noncurrent loans | 12,046.5116% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 5,012 |
| Noncurrent loans to loans | 0.0106% | 4,904 |
| Net loans and leases to total assets | 71.8888% | 2,295 |
| Net loans and leases to deposits | 82.9885% | 2,658 |
| Net loans and leases to core deposits | 85.5447% | 2,963 |
| Total domestic deposits to total assets | 86.6250% | 2,007 |
| Equity capital to assets | 9.5082% | 4,090 |
| Core capital (leverage) ratio | 9.9216% | 3,667 |
| Tier 1 risk-based capital ratio | 12.6645% | 4,087 |
| Total risk-based capital ratio | 13.8460% | 4,027 |
| Memoranda: | ||
| Average total assets | $555,823,000 | 1,282 |
| Average earning assets | $523,660,670 | 1,265 |
| Average equity | $52,198,670 | 1,467 |
| Average total loans | $398,288,670 | 1,259 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5906% | 1,604 |
| Cost of funding earning assets | 0.3194% | 4,200 |
| Net interest margin | 4.2712% | 1,006 |
| Noninterest income to average assets | 1.2246% | 617 |
| Noninterest expense to average assets | 3.5042% | 994 |
| Loan and lease loss provision to assets | 0.0669% | 2,436 |
| Net operating income to assets | 1.6755% | 716 |
| Return on assets (ROA) | 1.6877% | 708 |
| Pretax return on assets | 1.6949% | 1,128 |
| Return on Equity (ROE) | 18.0838% | 399 |
| Retained earnings to average equity (ytd only) | 18.0838% | 150 |
| Net charge-offs to loans | 0.0111% | 2,349 |
| Credit loss provision to net charge-offs | 845.4545% | 398 |
| Earnings coverage of net charge-offs (x) | 221.1818% | 300 |
| Efficiency ratio | 66.6986% | 3,047 |
| Assets per employee ($millions) | 3.0791% | 5,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2814% | 2,327 |
| Loan loss allowance to noncurrent loans | 10,825.5319% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.0084% | 5,088 |
| Noncurrent loans to loans | 0.0118% | 4,954 |
| Net loans and leases to total assets | 69.9466% | 2,495 |
| Net loans and leases to deposits | 80.3230% | 2,773 |
| Net loans and leases to core deposits | 82.0920% | 3,133 |
| Total domestic deposits to total assets | 87.0817% | 2,091 |
| Equity capital to assets | 9.3594% | 4,221 |
| Core capital (leverage) ratio | 9.7791% | 3,777 |
| Tier 1 risk-based capital ratio | 12.5300% | 4,220 |
| Total risk-based capital ratio | 13.6937% | 4,176 |
| Memoranda: | ||
| Average total assets | $556,247,500 | 1,286 |
| Average earning assets | $524,729,500 | 1,278 |
| Average equity | $51,914,000 | 1,482 |
| Average total loans | $395,361,000 | 1,273 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5455% | 1,575 |
| Cost of funding earning assets | 0.2206% | 4,784 |
| Net interest margin | 4.3249% | 917 |
| Noninterest income to average assets | 1.3502% | 573 |
| Noninterest expense to average assets | 3.5362% | 974 |
| Loan and lease loss provision to assets | 0.0673% | 2,855 |
| Net operating income to assets | 1.8006% | 421 |
| Return on assets (ROA) | 1.7866% | 440 |
| Pretax return on assets | 1.7954% | 802 |
| Return on Equity (ROE) | 19.4245% | 217 |
| Retained earnings to average equity (ytd only) | 13.9217% | 110 |
| Net charge-offs to loans | -0.0284% | 5,052 |
| Credit loss provision to net charge-offs | -336.4486% | 4,882 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3283% | 3,379 |
| Assets per employee ($millions) | 3.0843% | 5,137 |
| Cash dividends to net income (ytd only)* | 28.3291% | 3,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2714% | 2,372 |
| Loan loss allowance to noncurrent loans | 9,268.5185% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.0098% | 5,121 |
| Noncurrent loans to loans | 0.0137% | 4,972 |
| Net loans and leases to total assets | 70.3951% | 2,467 |
| Net loans and leases to deposits | 84.2661% | 2,463 |
| Net loans and leases to core deposits | 86.6709% | 2,861 |
| Total domestic deposits to total assets | 83.5391% | 3,375 |
| Equity capital to assets | 9.3060% | 4,418 |
| Core capital (leverage) ratio | 9.5042% | 4,048 |
| Tier 1 risk-based capital ratio | 11.8936% | 4,597 |
| Total risk-based capital ratio | 13.0289% | 4,555 |
| Memoranda: | ||
| Average total assets | $534,644,400 | 1,316 |
| Average earning assets | $502,233,200 | 1,293 |
| Average equity | $49,175,000 | 1,539 |
| Average total loans | $376,538,800 | 1,295 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5124% | 1,610 |
| Cost of funding earning assets | 0.2128% | 4,869 |
| Net interest margin | 4.2996% | 924 |
| Noninterest income to average assets | 1.3150% | 612 |
| Noninterest expense to average assets | 3.4874% | 1,012 |
| Loan and lease loss provision to assets | 0.0573% | 2,940 |
| Net operating income to assets | 1.7998% | 468 |
| Return on assets (ROA) | 1.7869% | 491 |
| Pretax return on assets | 1.7952% | 902 |
| Return on Equity (ROE) | 19.4877% | 251 |
| Retained earnings to average equity (ytd only) | 17.0144% | 74 |
| Net charge-offs to loans | -0.0523% | 5,176 |
| Credit loss provision to net charge-offs | -156.1644% | 4,581 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1510% | 3,350 |
| Assets per employee ($millions) | 3.0982% | 5,177 |
| Cash dividends to net income (ytd only)* | 12.6918% | 3,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2591% | 2,586 |
| Loan loss allowance to noncurrent loans | 491,200.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.0002% | 5,286 |
| Noncurrent loans to loans | 0.0003% | 5,170 |
| Net loans and leases to total assets | 69.8525% | 2,580 |
| Net loans and leases to deposits | 80.4276% | 2,928 |
| Net loans and leases to core deposits | 83.2836% | 3,193 |
| Total domestic deposits to total assets | 86.8513% | 1,930 |
| Equity capital to assets | 9.4230% | 4,521 |
| Core capital (leverage) ratio | 9.5205% | 4,140 |
| Tier 1 risk-based capital ratio | 12.0289% | 4,594 |
| Total risk-based capital ratio | 13.1697% | 4,561 |
| Memoranda: | ||
| Average total assets | $530,281,750 | 1,336 |
| Average earning assets | $497,992,250 | 1,315 |
| Average equity | $48,624,250 | 1,568 |
| Average total loans | $372,260,250 | 1,320 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4800% | 1,572 |
| Cost of funding earning assets | 0.2056% | 4,919 |
| Net interest margin | 4.2743% | 926 |
| Noninterest income to average assets | 1.2920% | 624 |
| Noninterest expense to average assets | 3.4705% | 1,054 |
| Loan and lease loss provision to assets | 0.0390% | 3,237 |
| Net operating income to assets | 1.7813% | 467 |
| Return on assets (ROA) | 1.7618% | 496 |
| Pretax return on assets | 1.7679% | 903 |
| Return on Equity (ROE) | 19.4021% | 243 |
| Retained earnings to average equity (ytd only) | 19.4021% | 65 |
| Net charge-offs to loans | -0.1108% | 5,438 |
| Credit loss provision to net charge-offs | -50.2463% | 4,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5192% | 3,431 |
| Assets per employee ($millions) | 3.0412% | 5,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2749% | 2,543 |
| Loan loss allowance to noncurrent loans | 1,367.7966% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.0661% | 4,938 |
| Noncurrent loans to loans | 0.0932% | 4,752 |
| Net loans and leases to total assets | 70.0541% | 2,518 |
| Net loans and leases to deposits | 80.8136% | 2,828 |
| Net loans and leases to core deposits | 83.6831% | 3,102 |
| Total domestic deposits to total assets | 86.6861% | 2,095 |
| Equity capital to assets | 9.4407% | 4,468 |
| Core capital (leverage) ratio | 9.3845% | 4,250 |
| Tier 1 risk-based capital ratio | 11.8655% | 4,721 |
| Total risk-based capital ratio | 13.0100% | 4,686 |
| Memoranda: | ||
| Average total assets | $523,216,330 | 1,357 |
| Average earning assets | $490,227,330 | 1,341 |
| Average equity | $47,510,330 | 1,601 |
| Average total loans | $366,302,670 | 1,333 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4419% | 1,521 |
| Cost of funding earning assets | 0.1946% | 5,028 |
| Net interest margin | 4.2473% | 889 |
| Noninterest income to average assets | 1.1872% | 724 |
| Noninterest expense to average assets | 3.4749% | 1,078 |
| Loan and lease loss provision to assets | 0.0085% | 3,446 |
| Net operating income to assets | 1.6705% | 585 |
| Return on assets (ROA) | 1.6705% | 600 |
| Pretax return on assets | 1.6713% | 1,068 |
| Return on Equity (ROE) | 18.7826% | 296 |
| Retained earnings to average equity (ytd only) | 18.7826% | 129 |
| Net charge-offs to loans | -0.2370% | 5,644 |
| Credit loss provision to net charge-offs | -5.1643% | 3,782 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4119% | 3,288 |
| Assets per employee ($millions) | 3.1096% | 5,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3115% | 2,481 |
| Loan loss allowance to noncurrent loans | 119,050.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 5,394 |
| Noncurrent loans to loans | 0.0011% | 5,279 |
| Net loans and leases to total assets | 66.2275% | 2,940 |
| Net loans and leases to deposits | 75.4505% | 3,257 |
| Net loans and leases to core deposits | 78.0648% | 3,462 |
| Total domestic deposits to total assets | 87.7761% | 1,843 |
| Equity capital to assets | 8.7577% | 5,034 |
| Core capital (leverage) ratio | 9.1689% | 4,525 |
| Tier 1 risk-based capital ratio | 11.5462% | 5,001 |
| Total risk-based capital ratio | 12.6977% | 4,961 |
| Memoranda: | ||
| Average total assets | $517,201,500 | 1,374 |
| Average earning assets | $483,129,000 | 1,363 |
| Average equity | $46,000,000 | 1,644 |
| Average total loans | $359,552,000 | 1,366 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3323% | 2,040 |
| Cost of funding earning assets | 0.3481% | 3,532 |
| Net interest margin | 3.9842% | 1,678 |
| Noninterest income to average assets | 1.3133% | 662 |
| Noninterest expense to average assets | 3.5536% | 1,079 |
| Loan and lease loss provision to assets | 0.0211% | 3,947 |
| Net operating income to assets | 1.5035% | 822 |
| Return on assets (ROA) | 1.5062% | 843 |
| Pretax return on assets | 1.4689% | 1,686 |
| Return on Equity (ROE) | 16.3601% | 475 |
| Retained earnings to average equity (ytd only) | 6.5158% | 1,449 |
| Net charge-offs to loans | 0.0356% | 3,313 |
| Credit loss provision to net charge-offs | 85.9504% | 2,872 |
| Earnings coverage of net charge-offs (x) | 60.6116% | 882 |
| Efficiency ratio | 70.4952% | 2,827 |
| Assets per employee ($millions) | 2.8850% | 5,435 |
| Cash dividends to net income (ytd only)* | 60.1723% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2747% | 2,679 |
| Loan loss allowance to noncurrent loans | 3,490.7692% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.0264% | 5,277 |
| Noncurrent loans to loans | 0.0365% | 5,113 |
| Net loans and leases to total assets | 71.2432% | 2,298 |
| Net loans and leases to deposits | 81.1383% | 2,773 |
| Net loans and leases to core deposits | 84.2965% | 2,996 |
| Total domestic deposits to total assets | 87.8047% | 1,739 |
| Equity capital to assets | 9.0435% | 4,770 |
| Core capital (leverage) ratio | 9.0976% | 4,620 |
| Tier 1 risk-based capital ratio | 11.3978% | 5,117 |
| Total risk-based capital ratio | 12.5324% | 5,075 |
| Memoranda: | ||
| Average total assets | $493,099,800 | 1,396 |
| Average earning assets | $461,345,800 | 1,379 |
| Average equity | $45,397,000 | 1,658 |
| Average total loans | $340,105,400 | 1,376 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2714% | 2,256 |
| Cost of funding earning assets | 0.2693% | 4,396 |
| Net interest margin | 4.0021% | 1,643 |
| Noninterest income to average assets | 1.2577% | 733 |
| Noninterest expense to average assets | 3.4574% | 1,228 |
| Loan and lease loss provision to assets | 0.0168% | 3,910 |
| Net operating income to assets | 1.5809% | 760 |
| Return on assets (ROA) | 1.6039% | 761 |
| Pretax return on assets | 1.5566% | 1,517 |
| Return on Equity (ROE) | 17.3445% | 412 |
| Retained earnings to average equity (ytd only) | 12.0689% | 297 |
| Net charge-offs to loans | 0.0282% | 3,100 |
| Credit loss provision to net charge-offs | 87.3239% | 2,574 |
| Earnings coverage of net charge-offs (x) | 80.7502% | 774 |
| Efficiency ratio | 69.0409% | 3,035 |
| Assets per employee ($millions) | 3.0738% | 5,314 |
| Cash dividends to net income (ytd only)* | 30.4164% | 2,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3287% | 2,537 |
| Loan loss allowance to noncurrent loans | 2,859.1195% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.0312% | 5,373 |
| Noncurrent loans to loans | 0.0465% | 5,173 |
| Net loans and leases to total assets | 66.1632% | 3,095 |
| Net loans and leases to deposits | 77.7755% | 3,211 |
| Net loans and leases to core deposits | 80.8343% | 3,368 |
| Total domestic deposits to total assets | 85.0695% | 2,773 |
| Equity capital to assets | 9.3302% | 4,837 |
| Core capital (leverage) ratio | 9.4529% | 4,245 |
| Tier 1 risk-based capital ratio | 12.2542% | 4,640 |
| Total risk-based capital ratio | 13.4457% | 4,569 |
| Memoranda: | ||
| Average total assets | $493,040,250 | 1,403 |
| Average earning assets | $461,975,000 | 1,381 |
| Average equity | $45,592,500 | 1,661 |
| Average total loans | $336,129,750 | 1,394 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3232% | 2,082 |
| Cost of funding earning assets | 0.2729% | 4,414 |
| Net interest margin | 4.0504% | 1,503 |
| Noninterest income to average assets | 1.2144% | 762 |
| Noninterest expense to average assets | 3.4668% | 1,228 |
| Loan and lease loss provision to assets | 0.0115% | 3,871 |
| Net operating income to assets | 1.6080% | 710 |
| Return on assets (ROA) | 1.6429% | 694 |
| Pretax return on assets | 1.5666% | 1,471 |
| Return on Equity (ROE) | 17.8224% | 373 |
| Retained earnings to average equity (ytd only) | 13.8065% | 198 |
| Net charge-offs to loans | 0.0233% | 3,023 |
| Credit loss provision to net charge-offs | 71.7949% | 2,455 |
| Earnings coverage of net charge-offs (x) | 96.4103% | 600 |
| Efficiency ratio | 69.1980% | 3,118 |
| Assets per employee ($millions) | 2.9699% | 5,462 |
| Cash dividends to net income (ytd only)* | 22.5331% | 3,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3418% | 2,565 |
| Loan loss allowance to noncurrent loans | 9,878.2609% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.0196% | 5,518 |
| Noncurrent loans to loans | 0.0136% | 5,434 |
| Net loans and leases to total assets | 68.1785% | 2,753 |
| Net loans and leases to deposits | 79.7416% | 2,962 |
| Net loans and leases to core deposits | 83.1258% | 3,155 |
| Total domestic deposits to total assets | 85.4993% | 2,645 |
| Equity capital to assets | 9.5582% | 4,707 |
| Core capital (leverage) ratio | 9.2754% | 4,491 |
| Tier 1 risk-based capital ratio | 12.4749% | 4,547 |
| Total risk-based capital ratio | 13.7145% | 4,456 |
| Memoranda: | ||
| Average total assets | $487,305,670 | 1,424 |
| Average earning assets | $456,647,670 | 1,405 |
| Average equity | $44,921,000 | 1,680 |
| Average total loans | $334,126,330 | 1,398 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3089% | 2,100 |
| Cost of funding earning assets | 0.2705% | 4,491 |
| Net interest margin | 4.0384% | 1,511 |
| Noninterest income to average assets | 1.0981% | 899 |
| Noninterest expense to average assets | 3.4284% | 1,324 |
| Loan and lease loss provision to assets | 0.0115% | 3,538 |
| Net operating income to assets | 1.6027% | 696 |
| Return on assets (ROA) | 1.6578% | 667 |
| Pretax return on assets | 1.4981% | 1,593 |
| Return on Equity (ROE) | 18.3247% | 331 |
| Retained earnings to average equity (ytd only) | 18.3247% | 125 |
| Net charge-offs to loans | 0.0386% | 2,219 |
| Credit loss provision to net charge-offs | 43.7500% | 2,112 |
| Earnings coverage of net charge-offs (x) | 55.2188% | 819 |
| Efficiency ratio | 70.2124% | 3,077 |
| Assets per employee ($millions) | 3.0892% | 5,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3777% | 2,526 |
| Loan loss allowance to noncurrent loans | 8,401.8519% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.0231% | 5,552 |
| Noncurrent loans to loans | 0.0164% | 5,448 |
| Net loans and leases to total assets | 65.7084% | 2,992 |
| Net loans and leases to deposits | 76.8643% | 3,125 |
| Net loans and leases to core deposits | 80.0465% | 3,316 |
| Total domestic deposits to total assets | 85.4863% | 2,922 |
| Equity capital to assets | 9.1525% | 5,040 |
| Core capital (leverage) ratio | 9.1362% | 4,684 |
| Tier 1 risk-based capital ratio | 12.4681% | 4,603 |
| Total risk-based capital ratio | 13.7181% | 4,513 |
| Memoranda: | ||
| Average total assets | $485,943,500 | 1,425 |
| Average earning assets | $455,426,000 | 1,404 |
| Average equity | $43,962,500 | 1,702 |
| Average total loans | $331,870,000 | 1,398 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4068% | 1,877 |
| Cost of funding earning assets | 0.2639% | 4,655 |
| Net interest margin | 4.1429% | 1,298 |
| Noninterest income to average assets | 1.2763% | 733 |
| Noninterest expense to average assets | 3.3726% | 1,539 |
| Loan and lease loss provision to assets | 0.0556% | 3,196 |
| Net operating income to assets | 1.7084% | 566 |
| Return on assets (ROA) | 1.7717% | 522 |
| Pretax return on assets | 1.7887% | 823 |
| Return on Equity (ROE) | 19.3008% | 287 |
| Retained earnings to average equity (ytd only) | 10.6577% | 381 |
| Net charge-offs to loans | 0.0391% | 3,445 |
| Credit loss provision to net charge-offs | 207.3770% | 1,352 |
| Earnings coverage of net charge-offs (x) | 66.3607% | 809 |
| Efficiency ratio | 65.4504% | 3,995 |
| Assets per employee ($millions) | 3.0813% | 5,444 |
| Cash dividends to net income (ytd only)* | 44.7809% | 2,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3621% | 2,601 |
| Loan loss allowance to noncurrent loans | 2,648.2558% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.0664% | 5,374 |
| Noncurrent loans to loans | 0.0514% | 5,307 |
| Net loans and leases to total assets | 69.0661% | 2,531 |
| Net loans and leases to deposits | 83.6569% | 2,401 |
| Net loans and leases to core deposits | 87.1064% | 2,685 |
| Total domestic deposits to total assets | 82.5587% | 3,994 |
| Equity capital to assets | 8.9375% | 5,184 |
| Core capital (leverage) ratio | 9.0321% | 4,850 |
| Tier 1 risk-based capital ratio | 11.7971% | 5,072 |
| Total risk-based capital ratio | 13.0471% | 4,992 |
| Memoranda: | ||
| Average total assets | $454,748,600 | 1,475 |
| Average earning assets | $425,521,600 | 1,465 |
| Average equity | $41,744,400 | 1,735 |
| Average total loans | $311,991,200 | 1,417 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4191% | 1,859 |
| Cost of funding earning assets | 0.2655% | 4,720 |
| Net interest margin | 4.1535% | 1,270 |
| Noninterest income to average assets | 1.3225% | 695 |
| Noninterest expense to average assets | 3.3657% | 1,545 |
| Loan and lease loss provision to assets | 0.0692% | 2,794 |
| Net operating income to assets | 1.7679% | 555 |
| Return on assets (ROA) | 1.8499% | 488 |
| Pretax return on assets | 1.8573% | 788 |
| Return on Equity (ROE) | 20.0112% | 269 |
| Retained earnings to average equity (ytd only) | 17.1139% | 103 |
| Net charge-offs to loans | 0.0009% | 4,167 |
| Credit loss provision to net charge-offs | 11,650.0000% | 37 |
| Earnings coverage of net charge-offs (x) | 3,102.0449% | 12 |
| Efficiency ratio | 64.5979% | 4,141 |
| Assets per employee ($millions) | 3.0085% | 5,536 |
| Cash dividends to net income (ytd only)* | 14.4784% | 3,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4197% | 2,507 |
| Loan loss allowance to noncurrent loans | 637.6712% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.1889% | 4,994 |
| Noncurrent loans to loans | 0.2226% | 4,766 |
| Net loans and leases to total assets | 69.7667% | 2,423 |
| Net loans and leases to deposits | 82.7484% | 2,559 |
| Net loans and leases to core deposits | 86.2667% | 2,823 |
| Total domestic deposits to total assets | 84.3118% | 3,299 |
| Equity capital to assets | 9.5055% | 4,744 |
| Core capital (leverage) ratio | 9.4459% | 4,374 |
| Tier 1 risk-based capital ratio | 12.3311% | 4,867 |
| Total risk-based capital ratio | 13.5818% | 4,773 |
| Memoranda: | ||
| Average total assets | $449,033,750 | 1,504 |
| Average earning assets | $420,288,750 | 1,485 |
| Average equity | $41,509,000 | 1,758 |
| Average total loans | $306,384,000 | 1,453 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3728% | 1,940 |
| Cost of funding earning assets | 0.2678% | 4,741 |
| Net interest margin | 4.1050% | 1,336 |
| Noninterest income to average assets | 1.3303% | 691 |
| Noninterest expense to average assets | 3.3821% | 1,507 |
| Loan and lease loss provision to assets | 0.0095% | 3,912 |
| Net operating income to assets | 1.7881% | 530 |
| Return on assets (ROA) | 1.9123% | 446 |
| Pretax return on assets | 1.8997% | 733 |
| Return on Equity (ROE) | 20.8925% | 234 |
| Retained earnings to average equity (ytd only) | 20.8925% | 71 |
| Net charge-offs to loans | 0.0013% | 3,859 |
| Credit loss provision to net charge-offs | 1,050.0000% | 339 |
| Earnings coverage of net charge-offs (x) | 1,982.5000% | 24 |
| Efficiency ratio | 65.4557% | 4,104 |
| Assets per employee ($millions) | 2.9607% | 5,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4533% | 2,494 |
| Loan loss allowance to noncurrent loans | 1,302.9326% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.0763% | 5,559 |
| Noncurrent loans to loans | 0.1115% | 5,310 |
| Net loans and leases to total assets | 67.3876% | 2,734 |
| Net loans and leases to deposits | 79.9238% | 2,796 |
| Net loans and leases to core deposits | 83.4481% | 3,037 |
| Total domestic deposits to total assets | 84.3148% | 3,441 |
| Equity capital to assets | 9.5020% | 4,647 |
| Core capital (leverage) ratio | 9.4308% | 4,376 |
| Tier 1 risk-based capital ratio | 12.8547% | 4,595 |
| Total risk-based capital ratio | 14.1057% | 4,512 |
| Memoranda: | ||
| Average total assets | $444,275,000 | 1,532 |
| Average earning assets | $415,246,330 | 1,507 |
| Average equity | $40,665,330 | 1,799 |
| Average total loans | $299,215,000 | 1,484 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3388% | 1,971 |
| Cost of funding earning assets | 0.2710% | 4,774 |
| Net interest margin | 4.0678% | 1,362 |
| Noninterest income to average assets | 1.1750% | 830 |
| Noninterest expense to average assets | 3.3147% | 1,687 |
| Loan and lease loss provision to assets | 0.0045% | 3,651 |
| Net operating income to assets | 1.7386% | 542 |
| Return on assets (ROA) | 1.9129% | 423 |
| Pretax return on assets | 1.8262% | 831 |
| Return on Equity (ROE) | 21.3092% | 211 |
| Retained earnings to average equity (ytd only) | 21.3092% | 78 |
| Net charge-offs to loans | -0.0324% | 5,296 |
| Credit loss provision to net charge-offs | -20.8333% | 4,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6788% | 4,036 |
| Assets per employee ($millions) | 2.9642% | 5,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4954% | 2,460 |
| Loan loss allowance to noncurrent loans | 953.5332% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.1658% | 5,290 |
| Noncurrent loans to loans | 0.1568% | 5,213 |
| Net loans and leases to total assets | 65.1041% | 2,920 |
| Net loans and leases to deposits | 76.4503% | 3,000 |
| Net loans and leases to core deposits | 79.7313% | 3,200 |
| Total domestic deposits to total assets | 85.1587% | 3,326 |
| Equity capital to assets | 9.1124% | 5,182 |
| Core capital (leverage) ratio | 9.0296% | 4,916 |
| Tier 1 risk-based capital ratio | 12.3423% | 5,016 |
| Total risk-based capital ratio | 13.5934% | 4,930 |
| Memoranda: | ||
| Average total assets | $442,876,500 | 1,545 |
| Average earning assets | $413,298,000 | 1,518 |
| Average equity | $39,757,500 | 1,842 |
| Average total loans | $295,965,500 | 1,499 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4673% | 2,002 |
| Cost of funding earning assets | 0.2940% | 4,851 |
| Net interest margin | 4.1733% | 1,376 |
| Noninterest income to average assets | 1.2386% | 789 |
| Noninterest expense to average assets | 3.4894% | 1,511 |
| Loan and lease loss provision to assets | 0.0879% | 2,713 |
| Net operating income to assets | 1.5715% | 753 |
| Return on assets (ROA) | 1.6054% | 732 |
| Pretax return on assets | 1.6123% | 1,201 |
| Return on Equity (ROE) | 18.5642% | 350 |
| Retained earnings to average equity (ytd only) | 9.3329% | 634 |
| Net charge-offs to loans | 0.2015% | 2,055 |
| Credit loss provision to net charge-offs | 64.9123% | 3,185 |
| Earnings coverage of net charge-offs (x) | 12.3105% | 2,393 |
| Efficiency ratio | 67.6815% | 3,947 |
| Assets per employee ($millions) | 2.8444% | 5,890 |
| Cash dividends to net income (ytd only)* | 49.7264% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5040% | 2,452 |
| Loan loss allowance to noncurrent loans | 1,373.9130% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.1383% | 5,483 |
| Noncurrent loans to loans | 0.1095% | 5,457 |
| Net loans and leases to total assets | 66.5730% | 2,796 |
| Net loans and leases to deposits | 79.4690% | 2,788 |
| Net loans and leases to core deposits | 82.2508% | 3,076 |
| Total domestic deposits to total assets | 83.7723% | 3,813 |
| Equity capital to assets | 8.8370% | 5,442 |
| Core capital (leverage) ratio | 8.7794% | 5,260 |
| Tier 1 risk-based capital ratio | 12.4629% | 5,052 |
| Total risk-based capital ratio | 13.7131% | 4,977 |
| Memoranda: | ||
| Average total assets | $421,137,600 | 1,577 |
| Average earning assets | $395,270,000 | 1,545 |
| Average equity | $36,419,600 | 1,928 |
| Average total loans | $282,924,200 | 1,501 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4508% | 2,047 |
| Cost of funding earning assets | 0.2990% | 4,896 |
| Net interest margin | 4.1518% | 1,423 |
| Noninterest income to average assets | 1.1710% | 878 |
| Noninterest expense to average assets | 3.4416% | 1,579 |
| Loan and lease loss provision to assets | 0.0543% | 3,289 |
| Net operating income to assets | 1.5778% | 793 |
| Return on assets (ROA) | 1.5714% | 836 |
| Pretax return on assets | 1.5650% | 1,439 |
| Return on Equity (ROE) | 18.2749% | 416 |
| Retained earnings to average equity (ytd only) | 12.6424% | 364 |
| Net charge-offs to loans | 0.1628% | 2,172 |
| Credit loss provision to net charge-offs | 49.7076% | 3,108 |
| Earnings coverage of net charge-offs (x) | 14.8888% | 2,102 |
| Efficiency ratio | 67.9183% | 3,869 |
| Assets per employee ($millions) | 2.7952% | 5,977 |
| Cash dividends to net income (ytd only)* | 30.8209% | 2,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5417% | 2,538 |
| Loan loss allowance to noncurrent loans | 520.8187% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.2654% | 5,192 |
| Noncurrent loans to loans | 0.2960% | 5,020 |
| Net loans and leases to total assets | 66.4975% | 2,774 |
| Net loans and leases to deposits | 79.3001% | 2,806 |
| Net loans and leases to core deposits | 82.2406% | 3,083 |
| Total domestic deposits to total assets | 83.8554% | 3,813 |
| Equity capital to assets | 8.9050% | 5,455 |
| Core capital (leverage) ratio | 8.9088% | 5,182 |
| Tier 1 risk-based capital ratio | 12.6667% | 5,055 |
| Total risk-based capital ratio | 13.9165% | 4,972 |
| Memoranda: | ||
| Average total assets | $417,623,750 | 1,599 |
| Average earning assets | $391,916,000 | 1,567 |
| Average equity | $35,910,000 | 1,964 |
| Average total loans | $280,119,000 | 1,528 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4452% | 2,011 |
| Cost of funding earning assets | 0.3036% | 4,936 |
| Net interest margin | 4.1416% | 1,402 |
| Noninterest income to average assets | 1.1524% | 883 |
| Noninterest expense to average assets | 3.4359% | 1,601 |
| Loan and lease loss provision to assets | 0.0463% | 3,383 |
| Net operating income to assets | 1.5869% | 724 |
| Return on assets (ROA) | 1.5772% | 777 |
| Pretax return on assets | 1.5458% | 1,406 |
| Return on Equity (ROE) | 18.5701% | 403 |
| Retained earnings to average equity (ytd only) | 9.9472% | 725 |
| Net charge-offs to loans | 0.0007% | 4,366 |
| Credit loss provision to net charge-offs | 9,600.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 3,318.0000% | 9 |
| Efficiency ratio | 68.2032% | 3,967 |
| Assets per employee ($millions) | 2.7379% | 6,090 |
| Cash dividends to net income (ytd only)* | 46.4340% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6796% | 2,187 |
| Loan loss allowance to noncurrent loans | 1,118.2464% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.2121% | 5,487 |
| Noncurrent loans to loans | 0.1502% | 5,560 |
| Net loans and leases to total assets | 66.8208% | 2,615 |
| Net loans and leases to deposits | 78.0933% | 2,790 |
| Net loans and leases to core deposits | 81.1637% | 3,083 |
| Total domestic deposits to total assets | 85.5654% | 3,260 |
| Equity capital to assets | 8.8656% | 5,449 |
| Core capital (leverage) ratio | 8.7397% | 5,351 |
| Tier 1 risk-based capital ratio | 12.5991% | 5,156 |
| Total risk-based capital ratio | 13.8537% | 5,088 |
| Memoranda: | ||
| Average total assets | $414,278,330 | 1,610 |
| Average earning assets | $388,643,670 | 1,577 |
| Average equity | $35,185,670 | 1,985 |
| Average total loans | $277,213,330 | 1,541 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4169% | 2,076 |
| Cost of funding earning assets | 0.3076% | 4,991 |
| Net interest margin | 4.1094% | 1,432 |
| Noninterest income to average assets | 1.0320% | 1,057 |
| Noninterest expense to average assets | 3.3643% | 1,798 |
| Loan and lease loss provision to assets | 0.0829% | 2,511 |
| Net operating income to assets | 1.5394% | 749 |
| Return on assets (ROA) | 1.4420% | 946 |
| Pretax return on assets | 1.3407% | 1,951 |
| Return on Equity (ROE) | 17.3572% | 494 |
| Retained earnings to average equity (ytd only) | 6.8848% | 2,096 |
| Net charge-offs to loans | -0.0334% | 5,623 |
| Credit loss provision to net charge-offs | -373.9130% | 5,108 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8648% | 4,029 |
| Assets per employee ($millions) | 2.7701% | 6,136 |
| Cash dividends to net income (ytd only)* | 60.3344% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7177% | 2,292 |
| Loan loss allowance to noncurrent loans | 1,598.9865% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.1305% | 5,857 |
| Noncurrent loans to loans | 0.1074% | 5,803 |
| Net loans and leases to total assets | 63.8967% | 2,906 |
| Net loans and leases to deposits | 74.2239% | 3,038 |
| Net loans and leases to core deposits | 76.1810% | 3,390 |
| Total domestic deposits to total assets | 86.0863% | 3,319 |
| Equity capital to assets | 8.2913% | 5,834 |
| Core capital (leverage) ratio | 8.4825% | 5,670 |
| Tier 1 risk-based capital ratio | 12.1531% | 5,540 |
| Total risk-based capital ratio | 13.4057% | 5,467 |
| Memoranda: | ||
| Average total assets | $414,709,500 | 1,618 |
| Average earning assets | $388,866,500 | 1,589 |
| Average equity | $34,452,500 | 2,012 |
| Average total loans | $275,336,500 | 1,554 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3830% | 2,647 |
| Cost of funding earning assets | 0.3384% | 5,257 |
| Net interest margin | 4.0446% | 1,824 |
| Noninterest income to average assets | 1.2203% | 944 |
| Noninterest expense to average assets | 3.4683% | 1,729 |
| Loan and lease loss provision to assets | 0.0182% | 4,765 |
| Net operating income to assets | 1.5121% | 800 |
| Return on assets (ROA) | 1.4997% | 865 |
| Pretax return on assets | 1.5062% | 1,427 |
| Return on Equity (ROE) | 17.6734% | 438 |
| Retained earnings to average equity (ytd only) | 8.6578% | 859 |
| Net charge-offs to loans | 0.0772% | 4,136 |
| Credit loss provision to net charge-offs | 36.3184% | 4,122 |
| Earnings coverage of net charge-offs (x) | 30.7313% | 1,161 |
| Efficiency ratio | 69.2962% | 3,957 |
| Assets per employee ($millions) | 2.7039% | 6,214 |
| Cash dividends to net income (ytd only)* | 51.0119% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6807% | 2,461 |
| Loan loss allowance to noncurrent loans | 602.8683% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.4492% | 4,893 |
| Noncurrent loans to loans | 0.2788% | 5,340 |
| Net loans and leases to total assets | 66.6938% | 2,574 |
| Net loans and leases to deposits | 80.7330% | 2,356 |
| Net loans and leases to core deposits | 82.8161% | 2,796 |
| Total domestic deposits to total assets | 82.6103% | 4,674 |
| Equity capital to assets | 8.3246% | 5,765 |
| Core capital (leverage) ratio | 8.7367% | 5,374 |
| Tier 1 risk-based capital ratio | 11.9583% | 5,638 |
| Total risk-based capital ratio | 13.2122% | 5,575 |
| Memoranda: | ||
| Average total assets | $401,949,800 | 1,637 |
| Average earning assets | $376,134,600 | 1,605 |
| Average equity | $34,107,800 | 2,014 |
| Average total loans | $260,274,600 | 1,591 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3392% | 2,833 |
| Cost of funding earning assets | 0.3459% | 5,333 |
| Net interest margin | 3.9933% | 1,967 |
| Noninterest income to average assets | 1.2614% | 923 |
| Noninterest expense to average assets | 3.4310% | 1,759 |
| Loan and lease loss provision to assets | 0.0190% | 4,634 |
| Net operating income to assets | 1.5489% | 824 |
| Return on assets (ROA) | 1.5300% | 894 |
| Pretax return on assets | 1.5303% | 1,523 |
| Return on Equity (ROE) | 17.9444% | 447 |
| Retained earnings to average equity (ytd only) | 13.1483% | 324 |
| Net charge-offs to loans | 0.0993% | 3,561 |
| Credit loss provision to net charge-offs | 29.8429% | 3,899 |
| Earnings coverage of net charge-offs (x) | 24.6964% | 1,414 |
| Efficiency ratio | 68.6307% | 3,970 |
| Assets per employee ($millions) | 2.6401% | 6,339 |
| Cash dividends to net income (ytd only)* | 26.7275% | 2,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7633% | 2,413 |
| Loan loss allowance to noncurrent loans | 582.3455% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.4954% | 4,956 |
| Noncurrent loans to loans | 0.3028% | 5,474 |
| Net loans and leases to total assets | 64.5356% | 2,913 |
| Net loans and leases to deposits | 76.9807% | 2,821 |
| Net loans and leases to core deposits | 78.9698% | 3,234 |
| Total domestic deposits to total assets | 83.8334% | 4,263 |
| Equity capital to assets | 8.5367% | 5,694 |
| Core capital (leverage) ratio | 8.9609% | 5,180 |
| Tier 1 risk-based capital ratio | 12.5985% | 5,389 |
| Total risk-based capital ratio | 13.8340% | 5,350 |
| Memoranda: | ||
| Average total assets | $401,039,500 | 1,655 |
| Average earning assets | $375,387,000 | 1,619 |
| Average equity | $34,193,750 | 2,027 |
| Average total loans | $256,561,250 | 1,615 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2847% | 3,020 |
| Cost of funding earning assets | 0.3528% | 5,380 |
| Net interest margin | 3.9318% | 2,103 |
| Noninterest income to average assets | 1.2712% | 958 |
| Noninterest expense to average assets | 3.4532% | 1,709 |
| Loan and lease loss provision to assets | 0.0219% | 4,462 |
| Net operating income to assets | 1.4976% | 904 |
| Return on assets (ROA) | 1.5081% | 953 |
| Pretax return on assets | 1.4892% | 1,651 |
| Return on Equity (ROE) | 17.6946% | 487 |
| Retained earnings to average equity (ytd only) | 10.5117% | 741 |
| Net charge-offs to loans | 0.1444% | 2,944 |
| Credit loss provision to net charge-offs | 23.9130% | 3,675 |
| Earnings coverage of net charge-offs (x) | 16.3859% | 1,671 |
| Efficiency ratio | 69.7076% | 3,882 |
| Assets per employee ($millions) | 2.7168% | 6,275 |
| Cash dividends to net income (ytd only)* | 40.5941% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7673% | 2,538 |
| Loan loss allowance to noncurrent loans | 163.3144% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 1.0217% | 3,711 |
| Noncurrent loans to loans | 1.0822% | 3,771 |
| Net loans and leases to total assets | 63.3265% | 3,039 |
| Net loans and leases to deposits | 76.3411% | 2,831 |
| Net loans and leases to core deposits | 78.2308% | 3,257 |
| Total domestic deposits to total assets | 82.9520% | 4,715 |
| Equity capital to assets | 8.3073% | 5,966 |
| Core capital (leverage) ratio | 8.4054% | 5,766 |
| Tier 1 risk-based capital ratio | 12.0611% | 5,762 |
| Total risk-based capital ratio | 13.3196% | 5,702 |
| Memoranda: | ||
| Average total assets | $401,834,000 | 1,650 |
| Average earning assets | $376,364,000 | 1,612 |
| Average equity | $34,247,670 | 2,031 |
| Average total loans | $254,784,000 | 1,630 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3067% | 2,869 |
| Cost of funding earning assets | 0.3736% | 5,334 |
| Net interest margin | 3.9332% | 2,008 |
| Noninterest income to average assets | 1.2229% | 1,018 |
| Noninterest expense to average assets | 3.4110% | 1,810 |
| Loan and lease loss provision to assets | 0.0320% | 4,046 |
| Net operating income to assets | 1.5426% | 781 |
| Return on assets (ROA) | 1.5636% | 819 |
| Pretax return on assets | 1.4827% | 1,609 |
| Return on Equity (ROE) | 18.1147% | 428 |
| Retained earnings to average equity (ytd only) | 18.1147% | 196 |
| Net charge-offs to loans | 0.1923% | 2,260 |
| Credit loss provision to net charge-offs | 26.4463% | 2,940 |
| Earnings coverage of net charge-offs (x) | 12.3554% | 1,602 |
| Efficiency ratio | 69.5457% | 4,048 |
| Assets per employee ($millions) | 2.6769% | 6,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8509% | 2,445 |
| Loan loss allowance to noncurrent loans | 149.5030% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 1.2821% | 3,411 |
| Noncurrent loans to loans | 1.2380% | 3,706 |
| Net loans and leases to total assets | 60.3742% | 3,365 |
| Net loans and leases to deposits | 71.0023% | 3,326 |
| Net loans and leases to core deposits | 72.6935% | 3,740 |
| Total domestic deposits to total assets | 85.0312% | 4,023 |
| Equity capital to assets | 8.6357% | 5,876 |
| Core capital (leverage) ratio | 8.3163% | 5,802 |
| Tier 1 risk-based capital ratio | 12.5733% | 5,536 |
| Total risk-based capital ratio | 13.7789% | 5,510 |
| Memoranda: | ||
| Average total assets | $400,351,500 | 1,670 |
| Average earning assets | $374,761,000 | 1,632 |
| Average equity | $34,557,500 | 2,040 |
| Average total loans | $251,697,500 | 1,657 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6558% | 2,775 |
| Cost of funding earning assets | 0.5237% | 5,040 |
| Net interest margin | 4.1322% | 1,880 |
| Noninterest income to average assets | 1.2774% | 948 |
| Noninterest expense to average assets | 3.6751% | 1,464 |
| Loan and lease loss provision to assets | 0.2041% | 3,104 |
| Net operating income to assets | 1.1946% | 1,622 |
| Return on assets (ROA) | 1.2642% | 1,565 |
| Pretax return on assets | 1.2917% | 2,444 |
| Return on Equity (ROE) | 14.6910% | 873 |
| Retained earnings to average equity (ytd only) | 9.0312% | 812 |
| Net charge-offs to loans | 0.2280% | 3,568 |
| Credit loss provision to net charge-offs | 140.2904% | 1,965 |
| Earnings coverage of net charge-offs (x) | 9.7949% | 2,221 |
| Efficiency ratio | 72.0638% | 3,402 |
| Assets per employee ($millions) | 2.5733% | 6,557 |
| Cash dividends to net income (ytd only)* | 38.5258% | 2,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8898% | 2,321 |
| Loan loss allowance to noncurrent loans | 129.7297% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 1.3571% | 3,367 |
| Noncurrent loans to loans | 1.4567% | 3,411 |
| Net loans and leases to total assets | 63.0746% | 3,043 |
| Net loans and leases to deposits | 75.7193% | 2,850 |
| Net loans and leases to core deposits | 77.5699% | 3,323 |
| Total domestic deposits to total assets | 83.3005% | 4,599 |
| Equity capital to assets | 8.6277% | 5,931 |
| Core capital (leverage) ratio | 8.3269% | 5,857 |
| Tier 1 risk-based capital ratio | 11.9860% | 5,800 |
| Total risk-based capital ratio | 13.1835% | 5,783 |
| Memoranda: | ||
| Average total assets | $378,817,000 | 1,721 |
| Average earning assets | $350,421,600 | 1,703 |
| Average equity | $32,598,200 | 2,116 |
| Average total loans | $241,628,400 | 1,704 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6887% | 2,847 |
| Cost of funding earning assets | 0.5563% | 5,032 |
| Net interest margin | 4.1324% | 1,966 |
| Noninterest income to average assets | 1.2750% | 909 |
| Noninterest expense to average assets | 3.7348% | 1,316 |
| Loan and lease loss provision to assets | 0.2693% | 2,417 |
| Net operating income to assets | 1.0647% | 2,238 |
| Return on assets (ROA) | 1.1582% | 2,070 |
| Pretax return on assets | 1.1802% | 3,061 |
| Return on Equity (ROE) | 13.4687% | 1,230 |
| Retained earnings to average equity (ytd only) | 13.4687% | 353 |
| Net charge-offs to loans | 0.2637% | 3,139 |
| Credit loss provision to net charge-offs | 160.4651% | 1,738 |
| Earnings coverage of net charge-offs (x) | 8.0677% | 2,510 |
| Efficiency ratio | 73.3910% | 3,085 |
| Assets per employee ($millions) | 2.5073% | 6,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9808% | 2,220 |
| Loan loss allowance to noncurrent loans | 135.3569% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 1.6160% | 3,166 |
| Noncurrent loans to loans | 1.4634% | 3,601 |
| Net loans and leases to total assets | 62.1245% | 3,357 |
| Net loans and leases to deposits | 75.7661% | 3,016 |
| Net loans and leases to core deposits | 77.9300% | 3,471 |
| Total domestic deposits to total assets | 81.9951% | 5,029 |
| Equity capital to assets | 8.9179% | 5,905 |
| Core capital (leverage) ratio | 8.5384% | 5,702 |
| Tier 1 risk-based capital ratio | 12.8542% | 5,367 |
| Total risk-based capital ratio | 14.1161% | 5,322 |
| Memoranda: | ||
| Average total assets | $375,737,000 | 1,758 |
| Average earning assets | $346,780,000 | 1,738 |
| Average equity | $32,311,250 | 2,150 |
| Average total loans | $239,170,500 | 1,731 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7358% | 2,774 |
| Cost of funding earning assets | 0.5919% | 4,967 |
| Net interest margin | 4.1439% | 1,931 |
| Noninterest income to average assets | 1.2741% | 878 |
| Noninterest expense to average assets | 3.7629% | 1,270 |
| Loan and lease loss provision to assets | 0.3227% | 2,043 |
| Net operating income to assets | 0.9779% | 2,555 |
| Return on assets (ROA) | 1.1192% | 2,197 |
| Pretax return on assets | 1.1455% | 3,133 |
| Return on Equity (ROE) | 13.1825% | 1,313 |
| Retained earnings to average equity (ytd only) | 13.1825% | 418 |
| Net charge-offs to loans | 0.3406% | 2,656 |
| Credit loss provision to net charge-offs | 148.6420% | 1,864 |
| Earnings coverage of net charge-offs (x) | 6.0988% | 2,701 |
| Efficiency ratio | 73.9726% | 3,083 |
| Assets per employee ($millions) | 2.4312% | 6,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9619% | 2,334 |
| Loan loss allowance to noncurrent loans | 301.2747% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 1.5304% | 3,405 |
| Noncurrent loans to loans | 0.6512% | 5,207 |
| Net loans and leases to total assets | 62.6840% | 3,291 |
| Net loans and leases to deposits | 77.0687% | 2,824 |
| Net loans and leases to core deposits | 79.8079% | 3,246 |
| Total domestic deposits to total assets | 81.3352% | 5,353 |
| Equity capital to assets | 8.7451% | 5,976 |
| Core capital (leverage) ratio | 8.3049% | 5,903 |
| Tier 1 risk-based capital ratio | 12.3993% | 5,646 |
| Total risk-based capital ratio | 13.6607% | 5,615 |
| Memoranda: | ||
| Average total assets | $373,112,000 | 1,765 |
| Average earning assets | $343,302,670 | 1,754 |
| Average equity | $31,678,330 | 2,164 |
| Average total loans | $237,849,670 | 1,733 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7755% | 2,739 |
| Cost of funding earning assets | 0.6200% | 4,965 |
| Net interest margin | 4.1555% | 1,918 |
| Noninterest income to average assets | 1.3317% | 806 |
| Noninterest expense to average assets | 3.7129% | 1,358 |
| Loan and lease loss provision to assets | 0.4601% | 1,339 |
| Net operating income to assets | 0.9508% | 2,686 |
| Return on assets (ROA) | 1.0279% | 2,556 |
| Pretax return on assets | 1.0505% | 3,501 |
| Return on Equity (ROE) | 12.2938% | 1,585 |
| Retained earnings to average equity (ytd only) | 12.2938% | 780 |
| Net charge-offs to loans | 0.5197% | 1,790 |
| Credit loss provision to net charge-offs | 139.0879% | 1,767 |
| Earnings coverage of net charge-offs (x) | 4.3290% | 2,596 |
| Efficiency ratio | 72.1675% | 3,411 |
| Assets per employee ($millions) | 2.5218% | 6,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9435% | 2,542 |
| Loan loss allowance to noncurrent loans | 208.7074% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 1.6437% | 3,388 |
| Noncurrent loans to loans | 0.9312% | 4,804 |
| Net loans and leases to total assets | 60.8051% | 3,492 |
| Net loans and leases to deposits | 73.7768% | 3,144 |
| Net loans and leases to core deposits | 76.2344% | 3,589 |
| Total domestic deposits to total assets | 82.4176% | 5,155 |
| Equity capital to assets | 8.1956% | 6,360 |
| Core capital (leverage) ratio | 8.0901% | 6,173 |
| Tier 1 risk-based capital ratio | 11.6653% | 6,181 |
| Total risk-based capital ratio | 12.9257% | 6,150 |
| Memoranda: | ||
| Average total assets | $371,249,000 | 1,780 |
| Average earning assets | $340,655,500 | 1,773 |
| Average equity | $31,040,000 | 2,202 |
| Average total loans | $236,302,500 | 1,749 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0682% | 2,573 |
| Cost of funding earning assets | 0.7753% | 5,033 |
| Net interest margin | 4.2929% | 1,719 |
| Noninterest income to average assets | 1.3633% | 692 |
| Noninterest expense to average assets | 4.1892% | 820 |
| Loan and lease loss provision to assets | 0.2705% | 3,511 |
| Net operating income to assets | 0.8427% | 2,864 |
| Return on assets (ROA) | 0.8589% | 2,929 |
| Pretax return on assets | 0.8488% | 3,776 |
| Return on Equity (ROE) | 10.3383% | 1,940 |
| Retained earnings to average equity (ytd only) | 2.0730% | 4,737 |
| Net charge-offs to loans | 0.4357% | 3,258 |
| Credit loss provision to net charge-offs | 97.6815% | 3,682 |
| Earnings coverage of net charge-offs (x) | 3.9839% | 3,311 |
| Efficiency ratio | 79.1561% | 2,419 |
| Assets per employee ($millions) | 2.3465% | 6,970 |
| Cash dividends to net income (ytd only)* | 79.9480% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9413% | 2,446 |
| Loan loss allowance to noncurrent loans | 176.0591% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 1.9093% | 3,096 |
| Noncurrent loans to loans | 1.1026% | 4,508 |
| Net loans and leases to total assets | 64.1551% | 3,156 |
| Net loans and leases to deposits | 79.0047% | 2,680 |
| Net loans and leases to core deposits | 82.2482% | 3,147 |
| Total domestic deposits to total assets | 81.2042% | 5,383 |
| Equity capital to assets | 8.5398% | 6,088 |
| Core capital (leverage) ratio | 8.0377% | 6,217 |
| Tier 1 risk-based capital ratio | 11.5685% | 6,121 |
| Total risk-based capital ratio | 12.8293% | 6,099 |
| Memoranda: | ||
| Average total assets | $358,253,400 | 1,811 |
| Average earning assets | $327,887,200 | 1,802 |
| Average equity | $29,763,000 | 2,215 |
| Average total loans | $227,696,200 | 1,820 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0388% | 2,894 |
| Cost of funding earning assets | 0.8026% | 5,131 |
| Net interest margin | 4.2362% | 1,963 |
| Noninterest income to average assets | 1.3327% | 738 |
| Noninterest expense to average assets | 4.1540% | 837 |
| Loan and lease loss provision to assets | 0.2996% | 3,126 |
| Net operating income to assets | 0.7740% | 3,284 |
| Return on assets (ROA) | 0.7963% | 3,345 |
| Pretax return on assets | 0.7807% | 4,196 |
| Return on Equity (ROE) | 9.6520% | 2,327 |
| Retained earnings to average equity (ytd only) | 4.1095% | 3,807 |
| Net charge-offs to loans | 0.3123% | 3,539 |
| Credit loss provision to net charge-offs | 152.0755% | 2,047 |
| Earnings coverage of net charge-offs (x) | 5.3698% | 2,806 |
| Efficiency ratio | 79.7004% | 2,296 |
| Assets per employee ($millions) | 2.3364% | 7,047 |
| Cash dividends to net income (ytd only)* | 57.4230% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0834% | 2,104 |
| Loan loss allowance to noncurrent loans | 186.9195% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 1.9945% | 3,148 |
| Noncurrent loans to loans | 1.1146% | 4,690 |
| Net loans and leases to total assets | 62.6827% | 3,575 |
| Net loans and leases to deposits | 76.8604% | 3,185 |
| Net loans and leases to core deposits | 79.9544% | 3,643 |
| Total domestic deposits to total assets | 81.5540% | 5,235 |
| Equity capital to assets | 8.5846% | 6,215 |
| Core capital (leverage) ratio | 8.2126% | 6,120 |
| Tier 1 risk-based capital ratio | 11.4532% | 6,266 |
| Total risk-based capital ratio | 12.6762% | 6,279 |
| Memoranda: | ||
| Average total assets | $358,649,250 | 1,816 |
| Average earning assets | $328,427,750 | 1,810 |
| Average equity | $29,589,000 | 2,223 |
| Average total loans | $226,282,250 | 1,847 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0177% | 3,071 |
| Cost of funding earning assets | 0.8278% | 5,199 |
| Net interest margin | 4.1899% | 2,076 |
| Noninterest income to average assets | 1.3170% | 726 |
| Noninterest expense to average assets | 4.1473% | 876 |
| Loan and lease loss provision to assets | 0.3295% | 2,804 |
| Net operating income to assets | 0.7033% | 3,532 |
| Return on assets (ROA) | 0.7027% | 3,641 |
| Pretax return on assets | 0.6736% | 4,484 |
| Return on Equity (ROE) | 8.6356% | 2,662 |
| Retained earnings to average equity (ytd only) | 4.4072% | 3,387 |
| Net charge-offs to loans | 0.4144% | 2,896 |
| Credit loss provision to net charge-offs | 126.6667% | 2,417 |
| Earnings coverage of net charge-offs (x) | 3.8581% | 3,033 |
| Efficiency ratio | 80.5148% | 2,311 |
| Assets per employee ($millions) | 2.3192% | 7,100 |
| Cash dividends to net income (ytd only)* | 48.9650% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0673% | 2,189 |
| Loan loss allowance to noncurrent loans | 101.6960% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 2.1645% | 3,033 |
| Noncurrent loans to loans | 2.0328% | 3,439 |
| Net loans and leases to total assets | 61.6345% | 3,965 |
| Net loans and leases to deposits | 74.8483% | 3,666 |
| Net loans and leases to core deposits | 77.7834% | 4,080 |
| Total domestic deposits to total assets | 82.3458% | 5,046 |
| Equity capital to assets | 8.3760% | 6,333 |
| Core capital (leverage) ratio | 8.1173% | 6,140 |
| Tier 1 risk-based capital ratio | 11.7013% | 6,011 |
| Total risk-based capital ratio | 12.9630% | 6,009 |
| Memoranda: | ||
| Average total assets | $357,483,000 | 1,836 |
| Average earning assets | $327,123,000 | 1,820 |
| Average equity | $29,089,000 | 2,237 |
| Average total loans | $224,431,670 | 1,877 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9752% | 3,219 |
| Cost of funding earning assets | 0.8546% | 5,243 |
| Net interest margin | 4.1206% | 2,185 |
| Noninterest income to average assets | 1.2679% | 792 |
| Noninterest expense to average assets | 3.9587% | 1,090 |
| Loan and lease loss provision to assets | 0.5105% | 1,704 |
| Net operating income to assets | 0.6239% | 3,899 |
| Return on assets (ROA) | 0.6227% | 3,976 |
| Pretax return on assets | 0.5577% | 4,841 |
| Return on Equity (ROE) | 7.7681% | 3,019 |
| Retained earnings to average equity (ytd only) | 7.7681% | 1,820 |
| Net charge-offs to loans | 0.0895% | 4,052 |
| Credit loss provision to net charge-offs | 910.0000% | 412 |
| Earnings coverage of net charge-offs (x) | 19.0600% | 1,158 |
| Efficiency ratio | 78.7324% | 2,729 |
| Assets per employee ($millions) | 2.3807% | 7,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2351% | 1,882 |
| Loan loss allowance to noncurrent loans | 256.2274% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 1.3991% | 4,189 |
| Noncurrent loans to loans | 0.8723% | 5,299 |
| Net loans and leases to total assets | 59.5401% | 4,351 |
| Net loans and leases to deposits | 72.1233% | 4,059 |
| Net loans and leases to core deposits | 75.0272% | 4,423 |
| Total domestic deposits to total assets | 82.5533% | 5,087 |
| Equity capital to assets | 7.9651% | 6,533 |
| Core capital (leverage) ratio | 8.1046% | 6,122 |
| Tier 1 risk-based capital ratio | 11.9584% | 5,733 |
| Total risk-based capital ratio | 13.2019% | 5,725 |
| Memoranda: | ||
| Average total assets | $356,485,000 | 1,849 |
| Average earning assets | $325,290,500 | 1,844 |
| Average equity | $28,578,500 | 2,264 |
| Average total loans | $223,527,500 | 1,906 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3131% | 3,066 |
| Cost of funding earning assets | 1.0540% | 5,406 |
| Net interest margin | 4.2591% | 1,961 |
| Noninterest income to average assets | 1.5645% | 600 |
| Noninterest expense to average assets | 4.1206% | 1,005 |
| Loan and lease loss provision to assets | 0.5037% | 3,138 |
| Net operating income to assets | 0.8062% | 2,770 |
| Return on assets (ROA) | 0.9756% | 2,235 |
| Pretax return on assets | 0.9908% | 2,959 |
| Return on Equity (ROE) | 11.6494% | 1,407 |
| Retained earnings to average equity (ytd only) | 5.9413% | 1,848 |
| Net charge-offs to loans | 0.4675% | 3,746 |
| Credit loss provision to net charge-offs | 168.5854% | 2,016 |
| Earnings coverage of net charge-offs (x) | 4.4234% | 2,931 |
| Efficiency ratio | 75.7151% | 3,091 |
| Assets per employee ($millions) | 2.2645% | 7,247 |
| Cash dividends to net income (ytd only)* | 48.9991% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0215% | 2,248 |
| Loan loss allowance to noncurrent loans | 104.9804% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 1.5175% | 4,039 |
| Noncurrent loans to loans | 1.9256% | 3,660 |
| Net loans and leases to total assets | 63.2796% | 4,015 |
| Net loans and leases to deposits | 78.2253% | 3,479 |
| Net loans and leases to core deposits | 81.7275% | 3,945 |
| Total domestic deposits to total assets | 80.8941% | 5,554 |
| Equity capital to assets | 8.0707% | 6,415 |
| Core capital (leverage) ratio | 8.0888% | 6,042 |
| Tier 1 risk-based capital ratio | 11.3063% | 6,084 |
| Total risk-based capital ratio | 12.5631% | 6,068 |
| Memoranda: | ||
| Average total assets | $343,057,400 | 1,906 |
| Average earning assets | $312,340,600 | 1,903 |
| Average equity | $28,731,000 | 2,263 |
| Average total loans | $219,238,000 | 1,976 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3335% | 3,198 |
| Cost of funding earning assets | 1.0892% | 5,490 |
| Net interest margin | 4.2444% | 2,055 |
| Noninterest income to average assets | 1.5177% | 596 |
| Noninterest expense to average assets | 4.1614% | 871 |
| Loan and lease loss provision to assets | 0.4839% | 3,055 |
| Net operating income to assets | 0.7173% | 3,335 |
| Return on assets (ROA) | 0.8293% | 3,022 |
| Pretax return on assets | 0.8523% | 3,723 |
| Return on Equity (ROE) | 9.8113% | 2,204 |
| Retained earnings to average equity (ytd only) | 7.9183% | 1,446 |
| Net charge-offs to loans | 0.4537% | 3,484 |
| Credit loss provision to net charge-offs | 167.3414% | 2,226 |
| Earnings coverage of net charge-offs (x) | 4.2213% | 3,149 |
| Efficiency ratio | 77.3185% | 2,720 |
| Assets per employee ($millions) | 2.2956% | 7,309 |
| Cash dividends to net income (ytd only)* | 19.2940% | 2,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9368% | 2,387 |
| Loan loss allowance to noncurrent loans | 98.7736% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 1.5261% | 4,159 |
| Noncurrent loans to loans | 1.9608% | 3,734 |
| Net loans and leases to total assets | 62.6935% | 4,387 |
| Net loans and leases to deposits | 78.5058% | 3,738 |
| Net loans and leases to core deposits | 81.8187% | 4,268 |
| Total domestic deposits to total assets | 79.8584% | 5,752 |
| Equity capital to assets | 8.5953% | 6,159 |
| Core capital (leverage) ratio | 8.1006% | 6,198 |
| Tier 1 risk-based capital ratio | 11.5251% | 5,909 |
| Total risk-based capital ratio | 12.7814% | 5,888 |
| Memoranda: | ||
| Average total assets | $341,639,250 | 1,940 |
| Average earning assets | $311,055,750 | 1,944 |
| Average equity | $28,877,500 | 2,282 |
| Average total loans | $217,740,500 | 2,014 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3725% | 3,090 |
| Cost of funding earning assets | 1.1249% | 5,551 |
| Net interest margin | 4.2477% | 1,971 |
| Noninterest income to average assets | 1.5104% | 566 |
| Noninterest expense to average assets | 4.2323% | 780 |
| Loan and lease loss provision to assets | 0.5478% | 2,592 |
| Net operating income to assets | 0.5725% | 3,980 |
| Return on assets (ROA) | 0.7416% | 3,377 |
| Pretax return on assets | 0.7629% | 4,015 |
| Return on Equity (ROE) | 8.8255% | 2,538 |
| Retained earnings to average equity (ytd only) | 8.8255% | 1,166 |
| Net charge-offs to loans | 0.5226% | 2,967 |
| Credit loss provision to net charge-offs | 164.6536% | 2,388 |
| Earnings coverage of net charge-offs (x) | 3.4156% | 3,335 |
| Efficiency ratio | 78.8332% | 2,598 |
| Assets per employee ($millions) | 2.2693% | 7,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9483% | 2,309 |
| Loan loss allowance to noncurrent loans | 177.2402% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 0.9923% | 5,159 |
| Noncurrent loans to loans | 1.0993% | 5,117 |
| Net loans and leases to total assets | 61.4671% | 4,787 |
| Net loans and leases to deposits | 74.4257% | 4,608 |
| Net loans and leases to core deposits | 77.4466% | 5,032 |
| Total domestic deposits to total assets | 82.5885% | 4,748 |
| Equity capital to assets | 8.4395% | 6,240 |
| Core capital (leverage) ratio | 8.0259% | 6,240 |
| Tier 1 risk-based capital ratio | 11.7902% | 5,502 |
| Total risk-based capital ratio | 13.0254% | 5,480 |
| Memoranda: | ||
| Average total assets | $338,443,000 | 1,968 |
| Average earning assets | $307,415,000 | 1,980 |
| Average equity | $28,440,330 | 2,306 |
| Average total loans | $215,472,000 | 2,077 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4624% | 2,770 |
| Cost of funding earning assets | 1.1622% | 5,591 |
| Net interest margin | 4.3001% | 1,694 |
| Noninterest income to average assets | 1.4057% | 615 |
| Noninterest expense to average assets | 4.2650% | 750 |
| Loan and lease loss provision to assets | 0.5394% | 2,347 |
| Net operating income to assets | 0.4858% | 4,469 |
| Return on assets (ROA) | 0.7602% | 3,265 |
| Pretax return on assets | 0.7828% | 3,940 |
| Return on Equity (ROE) | 9.0660% | 2,472 |
| Retained earnings to average equity (ytd only) | 9.0660% | 1,384 |
| Net charge-offs to loans | 1.0228% | 1,609 |
| Credit loss provision to net charge-offs | 82.1818% | 3,823 |
| Earnings coverage of net charge-offs (x) | 1.5836% | 3,777 |
| Efficiency ratio | 80.4049% | 2,506 |
| Assets per employee ($millions) | 2.2721% | 7,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7415% | 2,915 |
| Loan loss allowance to noncurrent loans | 124.6926% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 1.2176% | 4,740 |
| Noncurrent loans to loans | 1.3966% | 4,637 |
| Net loans and leases to total assets | 61.2984% | 4,897 |
| Net loans and leases to deposits | 74.3202% | 4,695 |
| Net loans and leases to core deposits | 77.2117% | 5,113 |
| Total domestic deposits to total assets | 82.4788% | 4,860 |
| Equity capital to assets | 8.2315% | 6,387 |
| Core capital (leverage) ratio | 7.9267% | 6,345 |
| Tier 1 risk-based capital ratio | 11.5211% | 5,654 |
| Total risk-based capital ratio | 12.7500% | 5,655 |
| Memoranda: | ||
| Average total assets | $335,195,000 | 2,042 |
| Average earning assets | $303,897,500 | 2,059 |
| Average equity | $28,105,000 | 2,365 |
| Average total loans | $215,089,500 | 2,126 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9668% | 2,002 |
| Cost of funding earning assets | 1.5500% | 5,278 |
| Net interest margin | 4.4167% | 1,389 |
| Noninterest income to average assets | 1.7618% | 476 |
| Noninterest expense to average assets | 4.3851% | 891 |
| Loan and lease loss provision to assets | 0.4689% | 4,012 |
| Net operating income to assets | 0.8922% | 2,206 |
| Return on assets (ROA) | 0.9070% | 2,213 |
| Pretax return on assets | 0.9323% | 2,819 |
| Return on Equity (ROE) | 11.0790% | 1,398 |
| Retained earnings to average equity (ytd only) | 4.2549% | 2,245 |
| Net charge-offs to loans | 0.5651% | 3,527 |
| Credit loss provision to net charge-offs | 123.4727% | 4,272 |
| Earnings coverage of net charge-offs (x) | 3.6495% | 3,257 |
| Efficiency ratio | 75.9839% | 3,533 |
| Assets per employee ($millions) | 2.0970% | 7,660 |
| Cash dividends to net income (ytd only)* | 61.5954% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7930% | 2,564 |
| Loan loss allowance to noncurrent loans | 147.7927% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 1.1670% | 4,762 |
| Noncurrent loans to loans | 1.2132% | 4,927 |
| Net loans and leases to total assets | 64.8792% | 4,392 |
| Net loans and leases to deposits | 78.0920% | 4,351 |
| Net loans and leases to core deposits | 91.3390% | 4,969 |
| Total domestic deposits to total assets | 83.0804% | 4,490 |
| Equity capital to assets | 8.5475% | 5,814 |
| Core capital (leverage) ratio | 8.0634% | 6,059 |
| Tier 1 risk-based capital ratio | 11.2003% | 5,720 |
| Total risk-based capital ratio | 12.4216% | 5,710 |
| Memoranda: | ||
| Average total assets | $327,564,600 | 2,067 |
| Average earning assets | $297,345,600 | 2,094 |
| Average equity | $26,816,400 | 2,461 |
| Average total loans | $220,135,800 | 2,102 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9938% | 2,062 |
| Cost of funding earning assets | 1.6153% | 5,330 |
| Net interest margin | 4.3785% | 1,499 |
| Noninterest income to average assets | 1.7652% | 466 |
| Noninterest expense to average assets | 4.5646% | 685 |
| Loan and lease loss provision to assets | 0.4253% | 3,776 |
| Net operating income to assets | 0.7446% | 3,044 |
| Return on assets (ROA) | 0.7629% | 3,033 |
| Pretax return on assets | 0.7812% | 3,597 |
| Return on Equity (ROE) | 9.4222% | 2,120 |
| Retained earnings to average equity (ytd only) | 2.7494% | 3,795 |
| Net charge-offs to loans | 0.4671% | 3,353 |
| Credit loss provision to net charge-offs | 134.9227% | 3,682 |
| Earnings coverage of net charge-offs (x) | 3.7680% | 3,391 |
| Efficiency ratio | 79.3503% | 2,947 |
| Assets per employee ($millions) | 2.0783% | 7,734 |
| Cash dividends to net income (ytd only)* | 70.8200% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7682% | 2,388 |
| Loan loss allowance to noncurrent loans | 862.3874% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.6025% | 5,939 |
| Noncurrent loans to loans | 0.2050% | 6,987 |
| Net loans and leases to total assets | 65.1925% | 4,603 |
| Net loans and leases to deposits | 79.0948% | 4,544 |
| Net loans and leases to core deposits | 93.2099% | 5,106 |
| Total domestic deposits to total assets | 82.4233% | 4,488 |
| Equity capital to assets | 8.3749% | 6,413 |
| Core capital (leverage) ratio | 7.8205% | 6,592 |
| Tier 1 risk-based capital ratio | 10.8750% | 6,082 |
| Total risk-based capital ratio | 12.0865% | 6,079 |
| Memoranda: | ||
| Average total assets | $328,197,750 | 2,081 |
| Average earning assets | $298,880,000 | 2,100 |
| Average equity | $26,575,000 | 2,499 |
| Average total loans | $221,487,750 | 2,114 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0225% | 2,092 |
| Cost of funding earning assets | 1.6913% | 5,315 |
| Net interest margin | 4.3312% | 1,573 |
| Noninterest income to average assets | 1.7468% | 479 |
| Noninterest expense to average assets | 4.5111% | 771 |
| Loan and lease loss provision to assets | 0.3509% | 3,825 |
| Net operating income to assets | 0.8156% | 2,798 |
| Return on assets (ROA) | 0.8162% | 2,888 |
| Pretax return on assets | 0.8290% | 3,575 |
| Return on Equity (ROE) | 10.1959% | 1,950 |
| Retained earnings to average equity (ytd only) | 3.2062% | 3,532 |
| Net charge-offs to loans | 0.6418% | 2,431 |
| Credit loss provision to net charge-offs | 80.5866% | 5,185 |
| Earnings coverage of net charge-offs (x) | 2.7081% | 3,728 |
| Efficiency ratio | 79.2753% | 3,152 |
| Assets per employee ($millions) | 2.1447% | 7,731 |
| Cash dividends to net income (ytd only)* | 68.5544% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5499% | 2,953 |
| Loan loss allowance to noncurrent loans | 1,170.8904% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.5453% | 6,068 |
| Noncurrent loans to loans | 0.1324% | 7,187 |
| Net loans and leases to total assets | 65.7545% | 4,620 |
| Net loans and leases to deposits | 79.2998% | 4,654 |
| Net loans and leases to core deposits | 93.2573% | 5,208 |
| Total domestic deposits to total assets | 82.9189% | 4,281 |
| Equity capital to assets | 7.9697% | 6,786 |
| Core capital (leverage) ratio | 7.7312% | 6,703 |
| Tier 1 risk-based capital ratio | 10.3389% | 6,549 |
| Total risk-based capital ratio | 11.5056% | 6,572 |
| Memoranda: | ||
| Average total assets | $328,832,000 | 2,105 |
| Average earning assets | $299,410,670 | 2,119 |
| Average equity | $26,324,330 | 2,529 |
| Average total loans | $223,134,000 | 2,135 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0517% | 2,144 |
| Cost of funding earning assets | 1.7409% | 5,410 |
| Net interest margin | 4.3108% | 1,575 |
| Noninterest income to average assets | 1.6031% | 536 |
| Noninterest expense to average assets | 4.5339% | 689 |
| Loan and lease loss provision to assets | 0.1987% | 4,453 |
| Net operating income to assets | 0.7851% | 3,190 |
| Return on assets (ROA) | 0.7851% | 3,355 |
| Pretax return on assets | 0.7949% | 4,093 |
| Return on Equity (ROE) | 9.7852% | 2,411 |
| Retained earnings to average equity (ytd only) | 2.0360% | 4,726 |
| Net charge-offs to loans | 0.0125% | 5,435 |
| Credit loss provision to net charge-offs | 2,328.5714% | 279 |
| Earnings coverage of net charge-offs (x) | 116.4286% | 373 |
| Efficiency ratio | 82.0247% | 2,532 |
| Assets per employee ($millions) | 2.1791% | 7,744 |
| Cash dividends to net income (ytd only)* | 79.1925% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6701% | 2,241 |
| Loan loss allowance to noncurrent loans | 232.4155% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.4910% | 6,000 |
| Noncurrent loans to loans | 0.7186% | 5,621 |
| Net loans and leases to total assets | 65.5861% | 4,675 |
| Net loans and leases to deposits | 78.6742% | 4,820 |
| Net loans and leases to core deposits | 92.6566% | 5,293 |
| Total domestic deposits to total assets | 83.3641% | 3,966 |
| Equity capital to assets | 7.9463% | 6,888 |
| Core capital (leverage) ratio | 7.7454% | 6,825 |
| Tier 1 risk-based capital ratio | 10.1737% | 6,745 |
| Total risk-based capital ratio | 11.3295% | 6,747 |
| Memoranda: | ||
| Average total assets | $328,109,500 | 2,123 |
| Average earning assets | $298,694,000 | 2,134 |
| Average equity | $26,325,500 | 2,539 |
| Average total loans | $224,405,500 | 2,145 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6647% | 2,182 |
| Cost of funding earning assets | 2.2729% | 5,274 |
| Net interest margin | 4.3918% | 1,710 |
| Noninterest income to average assets | 1.6807% | 486 |
| Noninterest expense to average assets | 4.3785% | 969 |
| Loan and lease loss provision to assets | 0.2004% | 4,887 |
| Net operating income to assets | 1.0695% | 2,259 |
| Return on assets (ROA) | 1.0695% | 2,173 |
| Pretax return on assets | 1.0840% | 3,075 |
| Return on Equity (ROE) | 13.6314% | 1,178 |
| Retained earnings to average equity (ytd only) | 6.8600% | 1,203 |
| Net charge-offs to loans | 0.2768% | 3,551 |
| Credit loss provision to net charge-offs | 108.0068% | 4,976 |
| Earnings coverage of net charge-offs (x) | 6.9233% | 3,237 |
| Efficiency ratio | 77.3189% | 3,033 |
| Assets per employee ($millions) | 2.0962% | 7,828 |
| Cash dividends to net income (ytd only)* | 49.6749% | 3,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5713% | 2,357 |
| Loan loss allowance to noncurrent loans | 708.7649% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.3333% | 6,271 |
| Noncurrent loans to loans | 0.2217% | 6,723 |
| Net loans and leases to total assets | 69.0402% | 4,248 |
| Net loans and leases to deposits | 82.2159% | 4,690 |
| Net loans and leases to core deposits | 96.8335% | 5,167 |
| Total domestic deposits to total assets | 83.9743% | 3,335 |
| Equity capital to assets | 8.1030% | 6,691 |
| Core capital (leverage) ratio | 7.8901% | 6,668 |
| Tier 1 risk-based capital ratio | 10.0178% | 6,715 |
| Total risk-based capital ratio | 11.2402% | 6,627 |
| Memoranda: | ||
| Average total assets | $316,407,400 | 2,117 |
| Average earning assets | $286,899,600 | 2,120 |
| Average equity | $24,825,000 | 2,651 |
| Average total loans | $212,059,000 | 2,188 |