Home > Minnesota Bank & Trust > Performance and Condition Ratios
Minnesota Bank & Trust, Performance and Condition Ratios
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5543% | 1,980 |
| Cost of funding earning assets | 0.2318% | 2,479 |
| Net interest margin | 3.3225% | 1,844 |
| Noninterest income to average assets | 0.7754% | 1,113 |
| Noninterest expense to average assets | 2.3354% | 2,442 |
| Loan and lease loss provision to assets | -0.1080% | 4,608 |
| Net operating income to assets | 1.2466% | 1,289 |
| Return on assets (ROA) | 1.3715% | 954 |
| Pretax return on assets | 1.7760% | 634 |
| Return on Equity (ROE) | 10.4100% | 2,188 |
| Retained earnings to average equity (ytd only) | 3.3893% | 3,315 |
| Net charge-offs to loans | -0.0032% | 3,222 |
| Credit loss provision to net charge-offs | 4,125.0000% | 129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3233% | 3,515 |
| Assets per employee ($millions) | 21.8183% | 85 |
| Cash dividends to net income (ytd only)* | 67.4423% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8679% | 4,039 |
| Loan loss allowance to noncurrent loans | 118.2325% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 0.4428% | 1,282 |
| Noncurrent loans to loans | 0.7340% | 1,171 |
| Net loans and leases to total assets | 59.8027% | 2,342 |
| Net loans and leases to deposits | 69.2570% | 2,279 |
| Net loans and leases to core deposits | 69.8965% | 2,498 |
| Total domestic deposits to total assets | 86.3490% | 3,157 |
| Equity capital to assets | 12.3671% | 785 |
| Core capital (leverage) ratio | 9.9176% | 2,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3865% | 1,906 |
| Memoranda: | ||
| Average total assets | $864,863,000 | 1,121 |
| Average earning assets | $799,095,000 | 1,125 |
| Average equity | $113,948,000 | 877 |
| Average total loans | $495,323,000 | 1,179 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4843% | 1,856 |
| Cost of funding earning assets | 0.1996% | 2,810 |
| Net interest margin | 3.2847% | 1,606 |
| Noninterest income to average assets | 0.6611% | 1,446 |
| Noninterest expense to average assets | 2.4587% | 1,991 |
| Loan and lease loss provision to assets | -0.1817% | 4,676 |
| Net operating income to assets | 1.1069% | 1,511 |
| Return on assets (ROA) | 1.3686% | 851 |
| Pretax return on assets | 1.7586% | 610 |
| Return on Equity (ROE) | 10.0858% | 1,935 |
| Retained earnings to average equity (ytd only) | 10.0858% | 995 |
| Net charge-offs to loans | -0.0058% | 3,381 |
| Credit loss provision to net charge-offs | 4,414.2857% | 110 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7726% | 3,054 |
| Assets per employee ($millions) | 21.9463% | 85 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9069% | 4,027 |
| Loan loss allowance to noncurrent loans | 100.3363% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 0.5081% | 1,182 |
| Noncurrent loans to loans | 0.9039% | 1,020 |
| Net loans and leases to total assets | 55.6995% | 2,556 |
| Net loans and leases to deposits | 65.0030% | 2,432 |
| Net loans and leases to core deposits | 65.5886% | 2,668 |
| Total domestic deposits to total assets | 85.6877% | 3,349 |
| Equity capital to assets | 12.9001% | 708 |
| Core capital (leverage) ratio | 9.9964% | 2,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7724% | 1,886 |
| Memoranda: | ||
| Average total assets | $871,838,000 | 1,111 |
| Average earning assets | $807,747,000 | 1,117 |
| Average equity | $118,305,500 | 874 |
| Average total loans | $486,322,500 | 1,183 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6102% | 2,362 |
| Cost of funding earning assets | 0.2411% | 3,039 |
| Net interest margin | 3.3691% | 2,116 |
| Noninterest income to average assets | 0.5442% | 2,378 |
| Noninterest expense to average assets | 1.9131% | 3,899 |
| Loan and lease loss provision to assets | -0.2820% | 4,764 |
| Net operating income to assets | 1.5838% | 850 |
| Return on assets (ROA) | 1.6103% | 814 |
| Pretax return on assets | 2.0823% | 516 |
| Return on Equity (ROE) | 12.1325% | 1,765 |
| Retained earnings to average equity (ytd only) | 1.8630% | 4,021 |
| Net charge-offs to loans | -0.2514% | 4,732 |
| Credit loss provision to net charge-offs | 181.8846% | 1,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3894% | 4,333 |
| Assets per employee ($millions) | 22.2006% | 84 |
| Cash dividends to net income (ytd only)* | 84.6449% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9968% | 3,770 |
| Loan loss allowance to noncurrent loans | 101.2720% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 0.5448% | 1,210 |
| Noncurrent loans to loans | 0.9843% | 1,009 |
| Net loans and leases to total assets | 54.7956% | 2,752 |
| Net loans and leases to deposits | 65.9404% | 2,525 |
| Net loans and leases to core deposits | 66.6979% | 2,760 |
| Total domestic deposits to total assets | 83.0987% | 3,787 |
| Equity capital to assets | 14.2485% | 622 |
| Core capital (leverage) ratio | 9.6904% | 2,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7921% | 1,928 |
| Memoranda: | ||
| Average total assets | $939,074,400 | 1,005 |
| Average earning assets | $873,999,600 | 1,005 |
| Average equity | $124,640,000 | 831 |
| Average total loans | $544,584,800 | 1,092 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6105% | 2,530 |
| Cost of funding earning assets | 0.2556% | 3,063 |
| Net interest margin | 3.3549% | 2,283 |
| Noninterest income to average assets | 0.5360% | 2,473 |
| Noninterest expense to average assets | 1.8485% | 4,058 |
| Loan and lease loss provision to assets | -0.3208% | 4,833 |
| Net operating income to assets | 1.6504% | 918 |
| Return on assets (ROA) | 1.6670% | 931 |
| Pretax return on assets | 2.1548% | 600 |
| Return on Equity (ROE) | 12.7719% | 1,774 |
| Retained earnings to average equity (ytd only) | 4.4494% | 3,425 |
| Net charge-offs to loans | -0.3264% | 4,812 |
| Credit loss provision to net charge-offs | 158.9949% | 1,324 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9005% | 4,370 |
| Assets per employee ($millions) | 24.9312% | 68 |
| Cash dividends to net income (ytd only)* | 65.1629% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0201% | 3,777 |
| Loan loss allowance to noncurrent loans | 92.8806% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 0.6278% | 1,213 |
| Noncurrent loans to loans | 1.0983% | 1,027 |
| Net loans and leases to total assets | 56.5753% | 2,662 |
| Net loans and leases to deposits | 67.2310% | 2,522 |
| Net loans and leases to core deposits | 67.9633% | 2,779 |
| Total domestic deposits to total assets | 84.1506% | 3,421 |
| Equity capital to assets | 14.3975% | 654 |
| Core capital (leverage) ratio | 9.6921% | 2,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7751% | 2,056 |
| Memoranda: | ||
| Average total assets | $957,386,750 | 1,004 |
| Average earning assets | $891,928,500 | 1,001 |
| Average equity | $124,958,250 | 842 |
| Average total loans | $560,928,250 | 1,095 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5628% | 2,738 |
| Cost of funding earning assets | 0.2720% | 3,070 |
| Net interest margin | 3.2908% | 2,468 |
| Noninterest income to average assets | 0.5243% | 2,510 |
| Noninterest expense to average assets | 1.7444% | 4,294 |
| Loan and lease loss provision to assets | -0.2366% | 4,792 |
| Net operating income to assets | 1.6143% | 1,026 |
| Return on assets (ROA) | 1.6322% | 1,035 |
| Pretax return on assets | 2.1103% | 676 |
| Return on Equity (ROE) | 12.8979% | 1,753 |
| Retained earnings to average equity (ytd only) | 3.5981% | 3,649 |
| Net charge-offs to loans | -0.0224% | 4,034 |
| Credit loss provision to net charge-offs | 1,661.5385% | 331 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9225% | 4,518 |
| Assets per employee ($millions) | 29.1241% | 52 |
| Cash dividends to net income (ytd only)* | 72.1034% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8942% | 4,170 |
| Loan loss allowance to noncurrent loans | 87.3212% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 0.5818% | 1,436 |
| Noncurrent loans to loans | 1.0240% | 1,197 |
| Net loans and leases to total assets | 56.3123% | 2,864 |
| Net loans and leases to deposits | 70.9743% | 2,314 |
| Net loans and leases to core deposits | 71.7136% | 2,628 |
| Total domestic deposits to total assets | 79.3418% | 4,309 |
| Equity capital to assets | 13.0350% | 933 |
| Core capital (leverage) ratio | 9.1430% | 3,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5244% | 2,159 |
| Memoranda: | ||
| Average total assets | $985,651,333 | 979 |
| Average earning assets | $919,837,333 | 976 |
| Average equity | $124,733,667 | 840 |
| Average total loans | $581,651,000 | 1,062 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4488% | 3,065 |
| Cost of funding earning assets | 0.2823% | 3,174 |
| Net interest margin | 3.1665% | 2,796 |
| Noninterest income to average assets | 0.5359% | 2,451 |
| Noninterest expense to average assets | 1.6903% | 4,396 |
| Loan and lease loss provision to assets | -0.1888% | 4,802 |
| Net operating income to assets | 1.5435% | 1,231 |
| Return on assets (ROA) | 1.5460% | 1,291 |
| Pretax return on assets | 1.9961% | 953 |
| Return on Equity (ROE) | 12.3959% | 1,873 |
| Retained earnings to average equity (ytd only) | 12.3959% | 1,053 |
| Net charge-offs to loans | -0.0093% | 3,644 |
| Credit loss provision to net charge-offs | 1,885.7143% | 253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6183% | 4,488 |
| Assets per employee ($millions) | 26.2024% | 59 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9456% | 4,032 |
| Loan loss allowance to noncurrent loans | 99.1225% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 0.5723% | 1,657 |
| Noncurrent loans to loans | 0.9540% | 1,417 |
| Net loans and leases to total assets | 59.4201% | 2,613 |
| Net loans and leases to deposits | 72.7106% | 2,242 |
| Net loans and leases to core deposits | 73.7331% | 2,538 |
| Total domestic deposits to total assets | 81.7214% | 3,952 |
| Equity capital to assets | 12.5345% | 1,068 |
| Core capital (leverage) ratio | 9.1389% | 3,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8425% | 1,947 |
| Memoranda: | ||
| Average total assets | $997,930,000 | 956 |
| Average earning assets | $932,395,500 | 949 |
| Average equity | $124,461,000 | 832 |
| Average total loans | $599,428,000 | 1,034 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9987% | 2,728 |
| Cost of funding earning assets | 0.3754% | 3,736 |
| Net interest margin | 3.6234% | 2,062 |
| Noninterest income to average assets | 0.5340% | 2,492 |
| Noninterest expense to average assets | 2.0125% | 4,117 |
| Loan and lease loss provision to assets | 0.1513% | 2,482 |
| Net operating income to assets | 1.3272% | 1,185 |
| Return on assets (ROA) | 1.3832% | 1,150 |
| Pretax return on assets | 1.7928% | 695 |
| Return on Equity (ROE) | 10.8013% | 1,703 |
| Retained earnings to average equity (ytd only) | 8.6113% | 874 |
| Net charge-offs to loans | 0.7638% | 192 |
| Credit loss provision to net charge-offs | 31.6667% | 3,211 |
| Earnings coverage of net charge-offs (x) | 3.9197% | 3,045 |
| Efficiency ratio | 48.8235% | 4,592 |
| Assets per employee ($millions) | 27.0316% | 52 |
| Cash dividends to net income (ytd only)* | 20.2758% | 3,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9804% | 3,938 |
| Loan loss allowance to noncurrent loans | 99.4268% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 0.7746% | 1,325 |
| Noncurrent loans to loans | 0.9861% | 1,434 |
| Net loans and leases to total assets | 59.5569% | 2,913 |
| Net loans and leases to deposits | 75.4436% | 2,339 |
| Net loans and leases to core deposits | 76.6101% | 2,667 |
| Total domestic deposits to total assets | 78.9422% | 4,206 |
| Equity capital to assets | 12.4096% | 1,364 |
| Core capital (leverage) ratio | 8.6797% | 4,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1120% | 2,586 |
| Memoranda: | ||
| Average total assets | $891,395,800 | 976 |
| Average earning assets | $824,560,600 | 980 |
| Average equity | $114,152,600 | 863 |
| Average total loans | $557,758,000 | 1,045 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0209% | 2,911 |
| Cost of funding earning assets | 0.4025% | 3,796 |
| Net interest margin | 3.6184% | 2,209 |
| Noninterest income to average assets | 0.4723% | 2,732 |
| Noninterest expense to average assets | 2.0063% | 4,133 |
| Loan and lease loss provision to assets | 0.2583% | 1,570 |
| Net operating income to assets | 1.1898% | 1,669 |
| Return on assets (ROA) | 1.2327% | 1,667 |
| Pretax return on assets | 1.6008% | 1,182 |
| Return on Equity (ROE) | 9.5405% | 2,190 |
| Retained earnings to average equity (ytd only) | 6.5554% | 1,866 |
| Net charge-offs to loans | 1.0465% | 133 |
| Credit loss provision to net charge-offs | 39.0028% | 2,930 |
| Earnings coverage of net charge-offs (x) | 2.7255% | 2,964 |
| Efficiency ratio | 49.4980% | 4,526 |
| Assets per employee ($millions) | 27.2415% | 47 |
| Cash dividends to net income (ytd only)* | 31.2891% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0077% | 3,677 |
| Loan loss allowance to noncurrent loans | 94.6491% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 0.6776% | 1,702 |
| Noncurrent loans to loans | 1.0647% | 1,404 |
| Net loans and leases to total assets | 60.3371% | 3,191 |
| Net loans and leases to deposits | 75.6373% | 2,788 |
| Net loans and leases to core deposits | 76.8842% | 3,105 |
| Total domestic deposits to total assets | 79.7716% | 3,909 |
| Equity capital to assets | 11.6882% | 1,884 |
| Core capital (leverage) ratio | 8.3139% | 4,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6273% | 2,754 |
| Memoranda: | ||
| Average total assets | $864,202,750 | 987 |
| Average earning assets | $797,412,250 | 991 |
| Average equity | $111,661,500 | 873 |
| Average total loans | $546,805,750 | 1,051 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1867% | 2,801 |
| Cost of funding earning assets | 0.4584% | 3,753 |
| Net interest margin | 3.7283% | 2,055 |
| Noninterest income to average assets | 0.4839% | 2,630 |
| Noninterest expense to average assets | 2.2149% | 3,734 |
| Loan and lease loss provision to assets | 0.3634% | 1,156 |
| Net operating income to assets | 1.0220% | 2,246 |
| Return on assets (ROA) | 1.0893% | 2,128 |
| Pretax return on assets | 1.4105% | 1,701 |
| Return on Equity (ROE) | 8.1122% | 2,700 |
| Retained earnings to average equity (ytd only) | 5.3753% | 2,321 |
| Net charge-offs to loans | 1.5556% | 87 |
| Credit loss provision to net charge-offs | 36.3659% | 2,682 |
| Earnings coverage of net charge-offs (x) | 1.6900% | 2,834 |
| Efficiency ratio | 53.4396% | 4,237 |
| Assets per employee ($millions) | 24.3907% | 56 |
| Cash dividends to net income (ytd only)* | 33.7382% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0248% | 3,443 |
| Loan loss allowance to noncurrent loans | 86.0903% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 0.7892% | 1,577 |
| Noncurrent loans to loans | 1.1904% | 1,315 |
| Net loans and leases to total assets | 63.0915% | 2,993 |
| Net loans and leases to deposits | 73.1711% | 3,150 |
| Net loans and leases to core deposits | 74.5236% | 3,419 |
| Total domestic deposits to total assets | 86.2246% | 1,924 |
| Equity capital to assets | 11.9925% | 1,665 |
| Core capital (leverage) ratio | 8.3061% | 4,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8627% | 2,665 |
| Memoranda: | ||
| Average total assets | $816,292,333 | 1,012 |
| Average earning assets | $748,708,333 | 1,013 |
| Average equity | $109,612,333 | 881 |
| Average total loans | $524,291,333 | 1,077 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4468% | 2,454 |
| Cost of funding earning assets | 0.6100% | 3,382 |
| Net interest margin | 3.8368% | 1,857 |
| Noninterest income to average assets | 0.5262% | 2,406 |
| Noninterest expense to average assets | 2.4503% | 3,423 |
| Loan and lease loss provision to assets | 0.4028% | 755 |
| Net operating income to assets | 0.8873% | 2,560 |
| Return on assets (ROA) | 0.9738% | 2,374 |
| Pretax return on assets | 1.2703% | 1,966 |
| Return on Equity (ROE) | 6.7908% | 3,029 |
| Retained earnings to average equity (ytd only) | 1.2032% | 3,694 |
| Net charge-offs to loans | 2.8689% | 44 |
| Credit loss provision to net charge-offs | 21.7253% | 2,192 |
| Earnings coverage of net charge-offs (x) | 0.8445% | 2,438 |
| Efficiency ratio | 57.3862% | 4,075 |
| Assets per employee ($millions) | 18.5437% | 78 |
| Cash dividends to net income (ytd only)* | 82.2820% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2489% | 2,398 |
| Loan loss allowance to noncurrent loans | 115.1710% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 0.7167% | 1,870 |
| Noncurrent loans to loans | 1.0844% | 1,532 |
| Net loans and leases to total assets | 61.8889% | 3,311 |
| Net loans and leases to deposits | 74.3203% | 3,238 |
| Net loans and leases to core deposits | 76.0602% | 3,487 |
| Total domestic deposits to total assets | 83.2732% | 3,021 |
| Equity capital to assets | 13.7778% | 1,131 |
| Core capital (leverage) ratio | 10.2623% | 3,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4683% | 2,941 |
| Memoranda: | ||
| Average total assets | $748,820,500 | 1,046 |
| Average earning assets | $680,667,500 | 1,065 |
| Average equity | $107,380,000 | 894 |
| Average total loans | $483,255,500 | 1,125 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2034% | 983 |
| Cost of funding earning assets | 0.8529% | 2,414 |
| Net interest margin | 4.3505% | 983 |
| Noninterest income to average assets | 0.6223% | 2,122 |
| Noninterest expense to average assets | 2.7025% | 2,874 |
| Loan and lease loss provision to assets | 0.1787% | 1,171 |
| Net operating income to assets | 1.2561% | 1,849 |
| Return on assets (ROA) | 1.2922% | 1,800 |
| Pretax return on assets | 1.6935% | 1,203 |
| Return on Equity (ROE) | 8.3190% | 3,032 |
| Retained earnings to average equity (ytd only) | 5.4759% | 2,179 |
| Net charge-offs to loans | 0.0883% | 1,857 |
| Credit loss provision to net charge-offs | 296.8215% | 943 |
| Earnings coverage of net charge-offs (x) | 30.3350% | 1,570 |
| Efficiency ratio | 55.8427% | 4,225 |
| Assets per employee ($millions) | 15.9735% | 106 |
| Cash dividends to net income (ytd only)* | 34.1763% | 2,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2818% | 2,023 |
| Loan loss allowance to noncurrent loans | 75.9663% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 1.1732% | 1,015 |
| Noncurrent loans to loans | 1.6873% | 819 |
| Net loans and leases to total assets | 65.7021% | 2,985 |
| Net loans and leases to deposits | 82.2243% | 2,535 |
| Net loans and leases to core deposits | 84.3493% | 2,918 |
| Total domestic deposits to total assets | 79.9059% | 3,998 |
| Equity capital to assets | 14.9489% | 809 |
| Core capital (leverage) ratio | 10.5062% | 2,946 |
| Tier 1 risk-based capital ratio | 12.4145% | 4,126 |
| Total risk-based capital ratio | 13.5042% | 4,084 |
| Memoranda: | ||
| Average total assets | $679,292,200 | 1,103 |
| Average earning assets | $610,004,800 | 1,125 |
| Average equity | $105,517,600 | 863 |
| Average total loans | $463,371,600 | 1,139 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2782% | 903 |
| Cost of funding earning assets | 0.8874% | 2,285 |
| Net interest margin | 4.3909% | 969 |
| Noninterest income to average assets | 0.6047% | 2,180 |
| Noninterest expense to average assets | 2.7982% | 2,562 |
| Loan and lease loss provision to assets | 0.0803% | 2,302 |
| Net operating income to assets | 1.2685% | 1,956 |
| Return on assets (ROA) | 1.3313% | 1,788 |
| Pretax return on assets | 1.7480% | 1,204 |
| Return on Equity (ROE) | 8.4847% | 3,119 |
| Retained earnings to average equity (ytd only) | 7.8500% | 1,468 |
| Net charge-offs to loans | 0.1253% | 1,260 |
| Credit loss provision to net charge-offs | 93.2870% | 2,362 |
| Earnings coverage of net charge-offs (x) | 20.3239% | 1,966 |
| Efficiency ratio | 57.6416% | 3,986 |
| Assets per employee ($millions) | 15.7079% | 109 |
| Cash dividends to net income (ytd only)* | 7.4805% | 3,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1510% | 2,771 |
| Loan loss allowance to noncurrent loans | 60.3486% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 1.2732% | 962 |
| Noncurrent loans to loans | 1.9072% | 735 |
| Net loans and leases to total assets | 62.9726% | 3,391 |
| Net loans and leases to deposits | 75.8141% | 3,311 |
| Net loans and leases to core deposits | 77.7449% | 3,572 |
| Total domestic deposits to total assets | 83.0618% | 3,146 |
| Equity capital to assets | 15.1260% | 819 |
| Core capital (leverage) ratio | 11.3020% | 2,375 |
| Tier 1 risk-based capital ratio | 12.6619% | 4,048 |
| Total risk-based capital ratio | 13.6213% | 4,091 |
| Memoranda: | ||
| Average total assets | $669,413,500 | 1,114 |
| Average earning assets | $601,021,000 | 1,140 |
| Average equity | $105,033,500 | 863 |
| Average total loans | $459,613,750 | 1,149 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1648% | 1,056 |
| Cost of funding earning assets | 0.8896% | 2,200 |
| Net interest margin | 4.2753% | 1,192 |
| Noninterest income to average assets | 0.5472% | 2,404 |
| Noninterest expense to average assets | 2.9501% | 2,135 |
| Loan and lease loss provision to assets | 0.1706% | 1,069 |
| Net operating income to assets | 0.9734% | 3,012 |
| Return on assets (ROA) | 1.0539% | 2,772 |
| Pretax return on assets | 1.3749% | 2,287 |
| Return on Equity (ROE) | 6.6285% | 3,826 |
| Retained earnings to average equity (ytd only) | 5.6634% | 2,441 |
| Net charge-offs to loans | 0.0392% | 2,100 |
| Credit loss provision to net charge-offs | 617.7778% | 514 |
| Earnings coverage of net charge-offs (x) | 52.2667% | 1,061 |
| Efficiency ratio | 62.9322% | 3,297 |
| Assets per employee ($millions) | 12.8845% | 165 |
| Cash dividends to net income (ytd only)* | 14.5603% | 3,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2798% | 2,099 |
| Loan loss allowance to noncurrent loans | 56.8610% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 1.6804% | 629 |
| Noncurrent loans to loans | 2.2507% | 589 |
| Net loans and leases to total assets | 70.7811% | 2,427 |
| Net loans and leases to deposits | 86.7185% | 2,168 |
| Net loans and leases to core deposits | 88.6879% | 2,731 |
| Total domestic deposits to total assets | 81.6218% | 3,630 |
| Equity capital to assets | 16.7889% | 496 |
| Core capital (leverage) ratio | 11.2184% | 2,404 |
| Tier 1 risk-based capital ratio | 12.8609% | 3,910 |
| Total risk-based capital ratio | 13.9862% | 3,893 |
| Memoranda: | ||
| Average total assets | $651,696,670 | 1,145 |
| Average earning assets | $586,350,670 | 1,171 |
| Average equity | $103,613,000 | 866 |
| Average total loans | $459,380,000 | 1,149 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0547% | 1,207 |
| Cost of funding earning assets | 0.8705% | 2,151 |
| Net interest margin | 4.1842% | 1,335 |
| Noninterest income to average assets | 0.3813% | 3,317 |
| Noninterest expense to average assets | 2.9178% | 2,229 |
| Loan and lease loss provision to assets | 0.1348% | 1,289 |
| Net operating income to assets | 0.8462% | 3,466 |
| Return on assets (ROA) | 0.8787% | 3,363 |
| Pretax return on assets | 1.1464% | 2,988 |
| Return on Equity (ROE) | 5.6785% | 4,126 |
| Retained earnings to average equity (ytd only) | 5.6785% | 2,604 |
| Net charge-offs to loans | 0.0035% | 2,613 |
| Credit loss provision to net charge-offs | 5,575.0000% | 70 |
| Earnings coverage of net charge-offs (x) | 513.0000% | 145 |
| Efficiency ratio | 65.5959% | 2,995 |
| Assets per employee ($millions) | 13.1437% | 159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2157% | 2,497 |
| Loan loss allowance to noncurrent loans | 52.8241% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 1.6616% | 670 |
| Noncurrent loans to loans | 2.3014% | 594 |
| Net loans and leases to total assets | 68.5733% | 2,685 |
| Net loans and leases to deposits | 82.4310% | 2,572 |
| Net loans and leases to core deposits | 84.1043% | 3,019 |
| Total domestic deposits to total assets | 83.1888% | 3,315 |
| Equity capital to assets | 15.7774% | 610 |
| Core capital (leverage) ratio | 10.5927% | 2,950 |
| Tier 1 risk-based capital ratio | 12.6047% | 4,098 |
| Total risk-based capital ratio | 13.6849% | 4,074 |
| Memoranda: | ||
| Average total assets | $661,875,500 | 1,131 |
| Average earning assets | $597,385,500 | 1,149 |
| Average equity | $102,422,000 | 870 |
| Average total loans | $462,739,000 | 1,151 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3934% | 487 |
| Cost of funding earning assets | 0.5613% | 2,982 |
| Net interest margin | 4.8321% | 369 |
| Noninterest income to average assets | 0.8039% | 1,434 |
| Noninterest expense to average assets | 3.2609% | 1,415 |
| Loan and lease loss provision to assets | 0.8656% | 111 |
| Net operating income to assets | 0.8059% | 3,787 |
| Return on assets (ROA) | 0.8069% | 3,782 |
| Pretax return on assets | 1.0331% | 3,501 |
| Return on Equity (ROE) | 5.6227% | 4,282 |
| Retained earnings to average equity (ytd only) | 5.6227% | 2,401 |
| Net charge-offs to loans | 0.1850% | 1,037 |
| Credit loss provision to net charge-offs | 643.6675% | 535 |
| Earnings coverage of net charge-offs (x) | 14.1095% | 2,397 |
| Efficiency ratio | 59.4428% | 3,955 |
| Assets per employee ($millions) | 13.6033% | 133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1352% | 2,902 |
| Loan loss allowance to noncurrent loans | 49.6089% | 4,321 |
| Noncurrent assets plus other real estate owned to assets | 1.9059% | 519 |
| Noncurrent loans to loans | 2.2882% | 555 |
| Net loans and leases to total assets | 69.6032% | 2,630 |
| Net loans and leases to deposits | 82.7892% | 2,642 |
| Net loans and leases to core deposits | 84.5447% | 3,029 |
| Total domestic deposits to total assets | 84.0728% | 2,979 |
| Equity capital to assets | 15.1759% | 673 |
| Core capital (leverage) ratio | 10.0032% | 3,572 |
| Tier 1 risk-based capital ratio | 11.9798% | 4,434 |
| Total risk-based capital ratio | 12.9906% | 4,477 |
| Memoranda: | ||
| Average total assets | $563,644,200 | 1,260 |
| Average earning assets | $507,936,000 | 1,292 |
| Average equity | $80,885,800 | 1,018 |
| Average total loans | $409,684,200 | 1,232 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2378% | 580 |
| Cost of funding earning assets | 0.4852% | 3,290 |
| Net interest margin | 4.7525% | 416 |
| Noninterest income to average assets | 0.7642% | 1,612 |
| Noninterest expense to average assets | 3.5008% | 980 |
| Loan and lease loss provision to assets | 0.4333% | 284 |
| Net operating income to assets | 0.8696% | 3,663 |
| Return on assets (ROA) | 0.8700% | 3,665 |
| Pretax return on assets | 1.1129% | 3,343 |
| Return on Equity (ROE) | 6.1725% | 4,211 |
| Retained earnings to average equity (ytd only) | 6.1725% | 2,564 |
| Net charge-offs to loans | 0.0003% | 3,484 |
| Credit loss provision to net charge-offs | 174,800.0000% | 1 |
| Earnings coverage of net charge-offs (x) | 6,251.4737% | 7 |
| Efficiency ratio | 65.5992% | 2,940 |
| Assets per employee ($millions) | 12.4842% | 175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6133% | 5,017 |
| Loan loss allowance to noncurrent loans | 40.2975% | 4,569 |
| Noncurrent assets plus other real estate owned to assets | 1.4449% | 907 |
| Noncurrent loans to loans | 1.5219% | 1,064 |
| Net loans and leases to total assets | 73.7139% | 2,036 |
| Net loans and leases to deposits | 87.8831% | 2,168 |
| Net loans and leases to core deposits | 89.8895% | 2,669 |
| Total domestic deposits to total assets | 83.8772% | 2,986 |
| Equity capital to assets | 14.9831% | 724 |
| Core capital (leverage) ratio | 9.8190% | 3,832 |
| Tier 1 risk-based capital ratio | 11.2371% | 4,934 |
| Total risk-based capital ratio | 11.8025% | 5,140 |
| Memoranda: | ||
| Average total assets | $537,914,250 | 1,320 |
| Average earning assets | $484,699,000 | 1,356 |
| Average equity | $75,818,000 | 1,076 |
| Average total loans | $394,786,000 | 1,274 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9453% | 931 |
| Cost of funding earning assets | 0.4241% | 3,543 |
| Net interest margin | 4.5212% | 669 |
| Noninterest income to average assets | 0.7823% | 1,528 |
| Noninterest expense to average assets | 3.6200% | 848 |
| Loan and lease loss provision to assets | 0.5679% | 186 |
| Net operating income to assets | 0.5360% | 4,663 |
| Return on assets (ROA) | 0.5363% | 4,671 |
| Pretax return on assets | 0.6645% | 4,605 |
| Return on Equity (ROE) | 3.9116% | 4,847 |
| Retained earnings to average equity (ytd only) | 3.9116% | 3,649 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9959% | 2,163 |
| Assets per employee ($millions) | 9.8577% | 332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5335% | 5,216 |
| Loan loss allowance to noncurrent loans | 37.0611% | 4,640 |
| Noncurrent assets plus other real estate owned to assets | 1.1875% | 1,209 |
| Noncurrent loans to loans | 1.4395% | 1,177 |
| Net loans and leases to total assets | 74.1832% | 1,917 |
| Net loans and leases to deposits | 87.2964% | 2,184 |
| Net loans and leases to core deposits | 94.9404% | 2,146 |
| Total domestic deposits to total assets | 84.9786% | 2,685 |
| Equity capital to assets | 13.9761% | 937 |
| Core capital (leverage) ratio | 9.0691% | 4,622 |
| Tier 1 risk-based capital ratio | 9.8864% | 5,450 |
| Total risk-based capital ratio | 10.3676% | 5,507 |
| Memoranda: | ||
| Average total assets | $500,826,000 | 1,413 |
| Average earning assets | $450,814,330 | 1,452 |
| Average equity | $68,668,330 | 1,174 |
| Average total loans | $365,885,330 | 1,348 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2379% | 2,753 |
| Cost of funding earning assets | 0.3183% | 4,206 |
| Net interest margin | 3.9196% | 1,969 |
| Noninterest income to average assets | 0.7943% | 1,477 |
| Noninterest expense to average assets | 3.4536% | 1,077 |
| Loan and lease loss provision to assets | 0.0361% | 3,022 |
| Net operating income to assets | 0.7187% | 4,035 |
| Return on assets (ROA) | 0.7240% | 4,015 |
| Pretax return on assets | 0.9026% | 3,843 |
| Return on Equity (ROE) | 5.3616% | 4,369 |
| Retained earnings to average equity (ytd only) | 5.3616% | 3,008 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3648% | 1,550 |
| Assets per employee ($millions) | 8.6555% | 501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2681% | 5,497 |
| Loan loss allowance to noncurrent loans | 74.4910% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 0.3920% | 3,269 |
| Noncurrent loans to loans | 0.3600% | 3,481 |
| Net loans and leases to total assets | 73.2300% | 1,995 |
| Net loans and leases to deposits | 86.6662% | 2,084 |
| Net loans and leases to core deposits | 98.9568% | 1,770 |
| Total domestic deposits to total assets | 84.4965% | 3,118 |
| Equity capital to assets | 14.5615% | 763 |
| Core capital (leverage) ratio | 15.9645% | 492 |
| Tier 1 risk-based capital ratio | 10.7293% | 5,272 |
| Total risk-based capital ratio | 10.9775% | 5,514 |
| Memoranda: | ||
| Average total assets | $421,004,500 | 1,651 |
| Average earning assets | $385,757,000 | 1,671 |
| Average equity | $56,848,500 | 1,392 |
| Average total loans | $302,535,500 | 1,590 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8085% | 4,024 |
| Cost of funding earning assets | 0.2205% | 4,787 |
| Net interest margin | 3.5880% | 3,214 |
| Noninterest income to average assets | 1.5346% | 446 |
| Noninterest expense to average assets | 3.4568% | 1,116 |
| Loan and lease loss provision to assets | -0.0653% | 5,423 |
| Net operating income to assets | 0.9613% | 2,400 |
| Return on assets (ROA) | 0.9427% | 2,512 |
| Pretax return on assets | 1.5263% | 1,536 |
| Return on Equity (ROE) | 9.9766% | 1,899 |
| Retained earnings to average equity (ytd only) | 9.9766% | 351 |
| Net charge-offs to loans | 0.0208% | 3,410 |
| Credit loss provision to net charge-offs | -473.3333% | 4,940 |
| Earnings coverage of net charge-offs (x) | 108.0000% | 612 |
| Efficiency ratio | 69.8801% | 2,572 |
| Assets per employee ($millions) | 8.0830% | 620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8546% | 4,648 |
| Loan loss allowance to noncurrent loans | 3,547.0588% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.0162% | 5,078 |
| Noncurrent loans to loans | 0.0241% | 4,908 |
| Net loans and leases to total assets | 66.5769% | 3,022 |
| Net loans and leases to deposits | 78.5886% | 3,052 |
| Net loans and leases to core deposits | 80.4415% | 3,389 |
| Total domestic deposits to total assets | 84.7157% | 2,941 |
| Equity capital to assets | 10.3209% | 3,369 |
| Core capital (leverage) ratio | 10.7673% | 2,570 |
| Tier 1 risk-based capital ratio | 13.0642% | 3,872 |
| Total risk-based capital ratio | 13.7627% | 4,097 |
| Memoranda: | ||
| Average total assets | $217,452,600 | 2,750 |
| Average earning assets | $206,803,000 | 2,703 |
| Average equity | $20,548,000 | 3,076 |
| Average total loans | $143,901,600 | 2,721 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8198% | 3,938 |
| Cost of funding earning assets | 0.2222% | 4,793 |
| Net interest margin | 3.5976% | 3,161 |
| Noninterest income to average assets | 1.5286% | 464 |
| Noninterest expense to average assets | 3.4269% | 1,109 |
| Loan and lease loss provision to assets | -0.1161% | 5,605 |
| Net operating income to assets | 1.1942% | 1,720 |
| Return on assets (ROA) | 1.1826% | 1,810 |
| Pretax return on assets | 1.6186% | 1,353 |
| Return on Equity (ROE) | 12.7984% | 1,100 |
| Retained earnings to average equity (ytd only) | 12.7984% | 235 |
| Net charge-offs to loans | 0.0277% | 2,884 |
| Credit loss provision to net charge-offs | -636.6667% | 4,858 |
| Earnings coverage of net charge-offs (x) | 83.2313% | 791 |
| Efficiency ratio | 69.2979% | 2,650 |
| Assets per employee ($millions) | 8.3556% | 554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8080% | 4,869 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 65.3812% | 3,196 |
| Net loans and leases to deposits | 74.8557% | 3,490 |
| Net loans and leases to core deposits | 77.1271% | 3,717 |
| Total domestic deposits to total assets | 87.3429% | 1,702 |
| Equity capital to assets | 9.9666% | 3,948 |
| Core capital (leverage) ratio | 10.4989% | 2,988 |
| Tier 1 risk-based capital ratio | 12.4206% | 4,367 |
| Total risk-based capital ratio | 13.0656% | 4,626 |
| Memoranda: | ||
| Average total assets | $219,276,500 | 2,760 |
| Average earning assets | $208,244,000 | 2,700 |
| Average equity | $20,262,500 | 3,134 |
| Average total loans | $144,596,500 | 2,732 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7812% | 3,958 |
| Cost of funding earning assets | 0.2312% | 4,705 |
| Net interest margin | 3.5499% | 3,211 |
| Noninterest income to average assets | 1.5676% | 445 |
| Noninterest expense to average assets | 3.4225% | 1,126 |
| Loan and lease loss provision to assets | 0.1000% | 2,014 |
| Net operating income to assets | 1.0601% | 2,166 |
| Return on assets (ROA) | 1.0493% | 2,251 |
| Pretax return on assets | 1.4085% | 1,987 |
| Return on Equity (ROE) | 11.6570% | 1,403 |
| Retained earnings to average equity (ytd only) | 11.6570% | 354 |
| Net charge-offs to loans | 0.0386% | 2,426 |
| Credit loss provision to net charge-offs | 392.8571% | 792 |
| Earnings coverage of net charge-offs (x) | 59.8214% | 951 |
| Efficiency ratio | 69.2039% | 2,816 |
| Assets per employee ($millions) | 8.6783% | 466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0091% | 4,088 |
| Loan loss allowance to noncurrent loans | 2,393.4426% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.0281% | 5,152 |
| Noncurrent loans to loans | 0.0422% | 4,988 |
| Net loans and leases to total assets | 66.0158% | 3,106 |
| Net loans and leases to deposits | 74.0703% | 3,540 |
| Net loans and leases to core deposits | 77.6941% | 3,623 |
| Total domestic deposits to total assets | 89.1260% | 901 |
| Equity capital to assets | 9.4867% | 4,413 |
| Core capital (leverage) ratio | 10.1921% | 3,291 |
| Tier 1 risk-based capital ratio | 12.0826% | 4,579 |
| Total risk-based capital ratio | 12.9038% | 4,746 |
| Memoranda: | ||
| Average total assets | $219,953,330 | 2,768 |
| Average earning assets | $209,300,330 | 2,705 |
| Average equity | $19,799,330 | 3,179 |
| Average total loans | $145,063,670 | 2,731 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7628% | 3,894 |
| Cost of funding earning assets | 0.2425% | 4,602 |
| Net interest margin | 3.5203% | 3,199 |
| Noninterest income to average assets | 1.3818% | 555 |
| Noninterest expense to average assets | 3.2711% | 1,437 |
| Loan and lease loss provision to assets | 0.0723% | 2,361 |
| Net operating income to assets | 1.0301% | 2,168 |
| Return on assets (ROA) | 1.0675% | 2,042 |
| Pretax return on assets | 1.4450% | 1,715 |
| Return on Equity (ROE) | 12.1805% | 1,183 |
| Retained earnings to average equity (ytd only) | 12.1805% | 452 |
| Net charge-offs to loans | 0.0028% | 2,873 |
| Credit loss provision to net charge-offs | 4,000.0000% | 74 |
| Earnings coverage of net charge-offs (x) | 812.0000% | 58 |
| Efficiency ratio | 69.0431% | 3,037 |
| Assets per employee ($millions) | 9.2952% | 386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9784% | 4,404 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 67.0788% | 2,806 |
| Net loans and leases to deposits | 75.7469% | 3,227 |
| Net loans and leases to core deposits | 79.6630% | 3,324 |
| Total domestic deposits to total assets | 88.5565% | 1,393 |
| Equity capital to assets | 9.2797% | 4,535 |
| Core capital (leverage) ratio | 9.5318% | 4,081 |
| Tier 1 risk-based capital ratio | 11.9223% | 4,771 |
| Total risk-based capital ratio | 12.7301% | 4,942 |
| Memoranda: | ||
| Average total assets | $221,451,500 | 2,777 |
| Average earning assets | $211,121,000 | 2,714 |
| Average equity | $19,408,000 | 3,237 |
| Average total loans | $145,252,500 | 2,752 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7140% | 4,171 |
| Cost of funding earning assets | 0.2022% | 4,994 |
| Net interest margin | 3.5118% | 3,382 |
| Noninterest income to average assets | 1.4588% | 547 |
| Noninterest expense to average assets | 3.3950% | 1,370 |
| Loan and lease loss provision to assets | -0.0574% | 5,607 |
| Net operating income to assets | 1.1018% | 1,902 |
| Return on assets (ROA) | 1.1707% | 1,700 |
| Pretax return on assets | 1.5779% | 1,348 |
| Return on Equity (ROE) | 14.4144% | 711 |
| Retained earnings to average equity (ytd only) | 14.4144% | 121 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3999% | 2,843 |
| Assets per employee ($millions) | 9.9615% | 302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9459% | 4,600 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 62.9831% | 3,483 |
| Net loans and leases to deposits | 74.2422% | 3,486 |
| Net loans and leases to core deposits | 80.4705% | 3,355 |
| Total domestic deposits to total assets | 84.8346% | 3,118 |
| Equity capital to assets | 8.2828% | 5,430 |
| Core capital (leverage) ratio | 8.7234% | 5,050 |
| Tier 1 risk-based capital ratio | 11.1103% | 5,282 |
| Total risk-based capital ratio | 11.8640% | 5,441 |
| Memoranda: | ||
| Average total assets | $226,624,200 | 2,692 |
| Average earning assets | $217,069,200 | 2,626 |
| Average equity | $18,405,200 | 3,354 |
| Average total loans | $140,717,000 | 2,775 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6297% | 4,470 |
| Cost of funding earning assets | 0.2057% | 5,008 |
| Net interest margin | 3.4240% | 3,758 |
| Noninterest income to average assets | 1.4094% | 597 |
| Noninterest expense to average assets | 3.5020% | 1,145 |
| Loan and lease loss provision to assets | -0.1410% | 5,833 |
| Net operating income to assets | 1.0001% | 2,429 |
| Return on assets (ROA) | 1.0413% | 2,360 |
| Pretax return on assets | 1.3834% | 2,111 |
| Return on Equity (ROE) | 12.8860% | 1,090 |
| Retained earnings to average equity (ytd only) | 12.8860% | 225 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6761% | 2,162 |
| Assets per employee ($millions) | 10.3802% | 266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9005% | 4,870 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 58.4976% | 4,048 |
| Net loans and leases to deposits | 65.0638% | 4,416 |
| Net loans and leases to core deposits | 70.1411% | 4,316 |
| Total domestic deposits to total assets | 89.9081% | 519 |
| Equity capital to assets | 8.0408% | 5,725 |
| Core capital (leverage) ratio | 8.3998% | 5,429 |
| Tier 1 risk-based capital ratio | 10.5786% | 5,582 |
| Total risk-based capital ratio | 11.2705% | 5,742 |
| Memoranda: | ||
| Average total assets | $226,001,750 | 2,714 |
| Average earning assets | $216,504,250 | 2,642 |
| Average equity | $18,262,250 | 3,399 |
| Average total loans | $139,476,000 | 2,794 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7040% | 4,289 |
| Cost of funding earning assets | 0.2136% | 5,002 |
| Net interest margin | 3.4904% | 3,522 |
| Noninterest income to average assets | 1.3718% | 608 |
| Noninterest expense to average assets | 3.6211% | 980 |
| Loan and lease loss provision to assets | -0.1461% | 5,912 |
| Net operating income to assets | 0.9263% | 2,739 |
| Return on assets (ROA) | 0.9831% | 2,600 |
| Pretax return on assets | 1.3177% | 2,336 |
| Return on Equity (ROE) | 12.1444% | 1,258 |
| Retained earnings to average equity (ytd only) | 12.1444% | 304 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7686% | 1,968 |
| Assets per employee ($millions) | 8.8463% | 412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9318% | 4,835 |
| Loan loss allowance to noncurrent loans | 5,608.3333% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.0104% | 5,577 |
| Noncurrent loans to loans | 0.0166% | 5,414 |
| Net loans and leases to total assets | 62.2180% | 3,599 |
| Net loans and leases to deposits | 69.0563% | 4,077 |
| Net loans and leases to core deposits | 75.5745% | 3,858 |
| Total domestic deposits to total assets | 90.0976% | 452 |
| Equity capital to assets | 8.0794% | 5,778 |
| Core capital (leverage) ratio | 8.6068% | 5,259 |
| Tier 1 risk-based capital ratio | 10.6319% | 5,614 |
| Total risk-based capital ratio | 11.3963% | 5,748 |
| Memoranda: | ||
| Average total assets | $221,754,000 | 2,761 |
| Average earning assets | $212,525,330 | 2,692 |
| Average equity | $17,950,670 | 3,445 |
| Average total loans | $138,991,670 | 2,808 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5335% | 4,803 |
| Cost of funding earning assets | 0.2282% | 4,923 |
| Net interest margin | 3.3053% | 4,202 |
| Noninterest income to average assets | 1.1653% | 813 |
| Noninterest expense to average assets | 3.6484% | 966 |
| Loan and lease loss provision to assets | -0.6286% | 6,094 |
| Net operating income to assets | 0.9773% | 2,384 |
| Return on assets (ROA) | 0.9760% | 2,500 |
| Pretax return on assets | 1.3123% | 2,252 |
| Return on Equity (ROE) | 12.0446% | 1,303 |
| Retained earnings to average equity (ytd only) | 12.0446% | 502 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1815% | 1,139 |
| Assets per employee ($millions) | 8.4983% | 475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8451% | 5,246 |
| Loan loss allowance to noncurrent loans | 4,664.0000% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.0113% | 5,622 |
| Noncurrent loans to loans | 0.0181% | 5,434 |
| Net loans and leases to total assets | 61.9189% | 3,543 |
| Net loans and leases to deposits | 68.2894% | 4,028 |
| Net loans and leases to core deposits | 75.1493% | 3,770 |
| Total domestic deposits to total assets | 90.6714% | 372 |
| Equity capital to assets | 8.1655% | 5,759 |
| Core capital (leverage) ratio | 8.5420% | 5,354 |
| Tier 1 risk-based capital ratio | 10.4846% | 5,758 |
| Total risk-based capital ratio | 11.1590% | 5,897 |
| Memoranda: | ||
| Average total assets | $217,629,000 | 2,804 |
| Average earning assets | $208,632,500 | 2,734 |
| Average equity | $17,634,500 | 3,486 |
| Average total loans | $136,262,500 | 2,850 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6658% | 4,470 |
| Cost of funding earning assets | 0.2518% | 4,768 |
| Net interest margin | 3.4140% | 3,859 |
| Noninterest income to average assets | 1.5461% | 528 |
| Noninterest expense to average assets | 4.1376% | 577 |
| Loan and lease loss provision to assets | 0.2090% | 1,009 |
| Net operating income to assets | 0.4088% | 5,026 |
| Return on assets (ROA) | 0.5129% | 4,728 |
| Pretax return on assets | 0.5683% | 4,936 |
| Return on Equity (ROE) | 5.8311% | 4,118 |
| Retained earnings to average equity (ytd only) | 5.8311% | 1,878 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2142% | 978 |
| Assets per employee ($millions) | 7.1434% | 843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 3,920 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 62.0794% | 3,554 |
| Net loans and leases to deposits | 68.4447% | 4,088 |
| Net loans and leases to core deposits | 74.0684% | 3,933 |
| Total domestic deposits to total assets | 90.7001% | 380 |
| Equity capital to assets | 8.0386% | 5,837 |
| Core capital (leverage) ratio | 8.7213% | 5,193 |
| Tier 1 risk-based capital ratio | 10.2599% | 5,877 |
| Total risk-based capital ratio | 11.1380% | 5,939 |
| Memoranda: | ||
| Average total assets | $187,571,200 | 3,082 |
| Average earning assets | $178,733,200 | 3,013 |
| Average equity | $16,497,800 | 3,603 |
| Average total loans | $124,310,200 | 2,981 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6657% | 4,537 |
| Cost of funding earning assets | 0.2565% | 4,801 |
| Net interest margin | 3.4093% | 3,914 |
| Noninterest income to average assets | 1.6960% | 459 |
| Noninterest expense to average assets | 4.2854% | 498 |
| Loan and lease loss provision to assets | 0.1297% | 1,738 |
| Net operating income to assets | 0.4478% | 4,980 |
| Return on assets (ROA) | 0.5860% | 4,544 |
| Pretax return on assets | 0.6847% | 4,735 |
| Return on Equity (ROE) | 6.4967% | 3,911 |
| Retained earnings to average equity (ytd only) | 6.4967% | 1,958 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7632% | 953 |
| Assets per employee ($millions) | 6.7584% | 960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0009% | 4,742 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 67.5286% | 2,766 |
| Net loans and leases to deposits | 78.2572% | 3,074 |
| Net loans and leases to core deposits | 87.6490% | 2,690 |
| Total domestic deposits to total assets | 86.2905% | 2,392 |
| Equity capital to assets | 9.1078% | 5,205 |
| Core capital (leverage) ratio | 8.9397% | 5,068 |
| Tier 1 risk-based capital ratio | 10.0297% | 6,037 |
| Total risk-based capital ratio | 10.8094% | 6,109 |
| Memoranda: | ||
| Average total assets | $180,888,250 | 3,180 |
| Average earning assets | $172,076,250 | 3,118 |
| Average equity | $16,315,500 | 3,659 |
| Average total loans | $121,751,250 | 3,053 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6041% | 4,709 |
| Cost of funding earning assets | 0.2534% | 4,900 |
| Net interest margin | 3.3507% | 4,105 |
| Noninterest income to average assets | 1.7709% | 439 |
| Noninterest expense to average assets | 4.3794% | 462 |
| Loan and lease loss provision to assets | 0.1696% | 1,231 |
| Net operating income to assets | 0.4189% | 5,085 |
| Return on assets (ROA) | 0.4323% | 5,131 |
| Pretax return on assets | 0.4278% | 5,408 |
| Return on Equity (ROE) | 4.8098% | 4,697 |
| Retained earnings to average equity (ytd only) | 4.8098% | 2,983 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2353% | 897 |
| Assets per employee ($millions) | 6.3631% | 1,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9877% | 4,928 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 64.3901% | 3,209 |
| Net loans and leases to deposits | 73.6112% | 3,535 |
| Net loans and leases to core deposits | 82.3910% | 3,133 |
| Total domestic deposits to total assets | 87.4732% | 1,922 |
| Equity capital to assets | 8.5614% | 5,631 |
| Core capital (leverage) ratio | 9.3888% | 4,437 |
| Tier 1 risk-based capital ratio | 10.4668% | 5,936 |
| Total risk-based capital ratio | 11.2776% | 6,032 |
| Memoranda: | ||
| Average total assets | $178,106,330 | 3,240 |
| Average earning assets | $169,697,670 | 3,167 |
| Average equity | $16,009,000 | 3,726 |
| Average total loans | $119,308,670 | 3,093 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7786% | 4,098 |
| Cost of funding earning assets | 0.2699% | 4,787 |
| Net interest margin | 3.5087% | 3,400 |
| Noninterest income to average assets | 1.8323% | 406 |
| Noninterest expense to average assets | 4.6994% | 372 |
| Loan and lease loss provision to assets | 0.1282% | 1,621 |
| Net operating income to assets | 0.3892% | 5,109 |
| Return on assets (ROA) | 0.3845% | 5,250 |
| Pretax return on assets | 0.3323% | 5,569 |
| Return on Equity (ROE) | 4.1620% | 4,905 |
| Retained earnings to average equity (ytd only) | 4.1620% | 3,507 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9926% | 781 |
| Assets per employee ($millions) | 5.4598% | 1,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9977% | 5,044 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 68.5928% | 2,349 |
| Net loans and leases to deposits | 78.0357% | 2,799 |
| Net loans and leases to core deposits | 89.0102% | 2,222 |
| Total domestic deposits to total assets | 87.8993% | 1,883 |
| Equity capital to assets | 9.8402% | 4,337 |
| Core capital (leverage) ratio | 9.9606% | 3,651 |
| Tier 1 risk-based capital ratio | 11.9261% | 5,284 |
| Total risk-based capital ratio | 12.7862% | 5,452 |
| Memoranda: | ||
| Average total assets | $168,531,000 | 3,392 |
| Average earning assets | $160,059,500 | 3,323 |
| Average equity | $15,569,500 | 3,820 |
| Average total loans | $114,822,500 | 3,179 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7936% | 4,514 |
| Cost of funding earning assets | 0.2918% | 4,872 |
| Net interest margin | 3.5018% | 3,783 |
| Noninterest income to average assets | 1.6584% | 464 |
| Noninterest expense to average assets | 4.6343% | 411 |
| Loan and lease loss provision to assets | 0.0151% | 4,308 |
| Net operating income to assets | 0.3017% | 5,510 |
| Return on assets (ROA) | 0.4116% | 5,245 |
| Pretax return on assets | 0.3929% | 5,504 |
| Return on Equity (ROE) | 4.8349% | 4,754 |
| Retained earnings to average equity (ytd only) | 4.8349% | 2,733 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9557% | 600 |
| Assets per employee ($millions) | 5.4132% | 1,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9931% | 5,098 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 66.3038% | 2,835 |
| Net loans and leases to deposits | 74.1027% | 3,425 |
| Net loans and leases to core deposits | 82.7585% | 3,024 |
| Total domestic deposits to total assets | 89.4755% | 984 |
| Equity capital to assets | 8.6313% | 5,623 |
| Core capital (leverage) ratio | 8.9001% | 5,120 |
| Tier 1 risk-based capital ratio | 11.5251% | 5,648 |
| Total risk-based capital ratio | 12.4340% | 5,761 |
| Memoranda: | ||
| Average total assets | $165,701,000 | 3,401 |
| Average earning assets | $154,920,800 | 3,364 |
| Average equity | $14,105,800 | 4,007 |
| Average total loans | $105,301,400 | 3,319 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7770% | 4,633 |
| Cost of funding earning assets | 0.3004% | 4,884 |
| Net interest margin | 3.4766% | 3,916 |
| Noninterest income to average assets | 1.5967% | 502 |
| Noninterest expense to average assets | 4.8231% | 353 |
| Loan and lease loss provision to assets | -0.0315% | 6,132 |
| Net operating income to assets | 0.1622% | 5,924 |
| Return on assets (ROA) | 0.2309% | 5,840 |
| Pretax return on assets | 0.1065% | 6,051 |
| Return on Equity (ROE) | 2.7215% | 5,647 |
| Retained earnings to average equity (ytd only) | 2.7215% | 4,657 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.8663% | 372 |
| Assets per employee ($millions) | 4.8700% | 2,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9987% | 5,227 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 62.9816% | 3,344 |
| Net loans and leases to deposits | 70.2478% | 3,894 |
| Net loans and leases to core deposits | 78.3503% | 3,504 |
| Total domestic deposits to total assets | 89.6564% | 905 |
| Equity capital to assets | 8.5862% | 5,734 |
| Core capital (leverage) ratio | 8.6468% | 5,499 |
| Tier 1 risk-based capital ratio | 12.8074% | 4,970 |
| Total risk-based capital ratio | 13.7894% | 5,080 |
| Memoranda: | ||
| Average total assets | $165,174,250 | 3,435 |
| Average earning assets | $153,592,500 | 3,413 |
| Average equity | $14,011,250 | 4,043 |
| Average total loans | $103,532,000 | 3,380 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7251% | 4,781 |
| Cost of funding earning assets | 0.3040% | 4,930 |
| Net interest margin | 3.4211% | 4,097 |
| Noninterest income to average assets | 1.4384% | 587 |
| Noninterest expense to average assets | 4.6934% | 390 |
| Loan and lease loss provision to assets | -0.0242% | 6,252 |
| Net operating income to assets | 0.1103% | 6,027 |
| Return on assets (ROA) | 0.2181% | 5,846 |
| Pretax return on assets | 0.0824% | 6,115 |
| Return on Equity (ROE) | 2.5820% | 5,662 |
| Retained earnings to average equity (ytd only) | 2.5820% | 4,558 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.0699% | 380 |
| Assets per employee ($millions) | 4.8603% | 2,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0011% | 5,345 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 64.0908% | 3,062 |
| Net loans and leases to deposits | 71.4358% | 3,644 |
| Net loans and leases to core deposits | 78.3839% | 3,394 |
| Total domestic deposits to total assets | 89.7180% | 955 |
| Equity capital to assets | 8.5349% | 5,774 |
| Core capital (leverage) ratio | 8.6289% | 5,497 |
| Tier 1 risk-based capital ratio | 12.1161% | 5,477 |
| Total risk-based capital ratio | 13.0681% | 5,568 |
| Memoranda: | ||
| Average total assets | $165,039,000 | 3,459 |
| Average earning assets | $154,628,000 | 3,401 |
| Average equity | $13,942,670 | 4,054 |
| Average total loans | $102,930,330 | 3,396 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6250% | 5,087 |
| Cost of funding earning assets | 0.3171% | 4,895 |
| Net interest margin | 3.3079% | 4,503 |
| Noninterest income to average assets | 1.1981% | 767 |
| Noninterest expense to average assets | 4.4988% | 457 |
| Loan and lease loss provision to assets | -0.1698% | 6,544 |
| Net operating income to assets | 0.0800% | 6,070 |
| Return on assets (ROA) | 0.2959% | 5,547 |
| Pretax return on assets | 0.1964% | 5,923 |
| Return on Equity (ROE) | 3.5204% | 5,258 |
| Retained earnings to average equity (ytd only) | 3.5204% | 4,019 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.3894% | 362 |
| Assets per employee ($millions) | 4.1934% | 3,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0256% | 5,423 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 61.8337% | 3,266 |
| Net loans and leases to deposits | 69.0247% | 3,734 |
| Net loans and leases to core deposits | 75.3021% | 3,490 |
| Total domestic deposits to total assets | 89.5821% | 1,321 |
| Equity capital to assets | 8.7637% | 5,374 |
| Core capital (leverage) ratio | 8.6498% | 5,458 |
| Tier 1 risk-based capital ratio | 11.9084% | 5,707 |
| Total risk-based capital ratio | 12.8109% | 5,829 |
| Memoranda: | ||
| Average total assets | $164,933,500 | 3,486 |
| Average earning assets | $155,146,000 | 3,415 |
| Average equity | $13,862,000 | 4,068 |
| Average total loans | $100,905,000 | 3,449 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6436% | 5,295 |
| Cost of funding earning assets | 0.3734% | 4,909 |
| Net interest margin | 3.2703% | 4,776 |
| Noninterest income to average assets | 3.0370% | 226 |
| Noninterest expense to average assets | 5.7998% | 220 |
| Loan and lease loss provision to assets | 0.0861% | 3,389 |
| Net operating income to assets | 0.2616% | 5,652 |
| Return on assets (ROA) | 0.2391% | 5,785 |
| Pretax return on assets | 0.1854% | 5,969 |
| Return on Equity (ROE) | 2.5710% | 5,657 |
| Retained earnings to average equity (ytd only) | 2.5710% | 4,422 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1750% | 690 |
| Assets per employee ($millions) | 4.2629% | 3,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0669% | 5,289 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 59.3290% | 3,822 |
| Net loans and leases to deposits | 65.3476% | 4,376 |
| Net loans and leases to core deposits | 73.4034% | 3,905 |
| Total domestic deposits to total assets | 90.7898% | 665 |
| Equity capital to assets | 8.0690% | 5,966 |
| Core capital (leverage) ratio | 8.1429% | 6,018 |
| Tier 1 risk-based capital ratio | 11.2156% | 6,071 |
| Total risk-based capital ratio | 12.1298% | 6,173 |
| Memoranda: | ||
| Average total assets | $151,004,000 | 3,685 |
| Average earning assets | $141,150,600 | 3,650 |
| Average equity | $14,041,400 | 4,061 |
| Average total loans | $96,048,600 | 3,552 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5931% | 5,458 |
| Cost of funding earning assets | 0.3738% | 5,056 |
| Net interest margin | 3.2193% | 4,933 |
| Noninterest income to average assets | 3.6917% | 191 |
| Noninterest expense to average assets | 6.2301% | 183 |
| Loan and lease loss provision to assets | 0.0976% | 3,133 |
| Net operating income to assets | 0.3261% | 5,506 |
| Return on assets (ROA) | 0.3577% | 5,541 |
| Pretax return on assets | 0.3923% | 5,645 |
| Return on Equity (ROE) | 3.7036% | 5,354 |
| Retained earnings to average equity (ytd only) | 3.7036% | 4,061 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1896% | 780 |
| Assets per employee ($millions) | 3.6961% | 4,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1066% | 5,296 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 57.3820% | 4,107 |
| Net loans and leases to deposits | 62.9302% | 4,639 |
| Net loans and leases to core deposits | 73.0899% | 3,963 |
| Total domestic deposits to total assets | 91.1835% | 463 |
| Equity capital to assets | 8.2983% | 5,917 |
| Core capital (leverage) ratio | 8.9055% | 5,255 |
| Tier 1 risk-based capital ratio | 11.9942% | 5,779 |
| Total risk-based capital ratio | 12.9505% | 5,907 |
| Memoranda: | ||
| Average total assets | $146,125,750 | 3,810 |
| Average earning assets | $135,886,500 | 3,764 |
| Average equity | $14,112,000 | 4,090 |
| Average total loans | $94,496,500 | 3,611 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5929% | 5,456 |
| Cost of funding earning assets | 0.3610% | 5,307 |
| Net interest margin | 3.2319% | 4,832 |
| Noninterest income to average assets | 4.4579% | 166 |
| Noninterest expense to average assets | 6.4752% | 172 |
| Loan and lease loss provision to assets | -0.0244% | 6,605 |
| Net operating income to assets | 0.7404% | 3,616 |
| Return on assets (ROA) | 0.7404% | 3,773 |
| Pretax return on assets | 1.0259% | 3,392 |
| Return on Equity (ROE) | 7.2598% | 3,463 |
| Retained earnings to average equity (ytd only) | 7.2598% | 1,768 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6053% | 1,356 |
| Assets per employee ($millions) | 3.6603% | 4,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0173% | 5,749 |
| Loan loss allowance to noncurrent loans | 31,466.6667% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 6,585 |
| Noncurrent loans to loans | 0.0032% | 6,446 |
| Net loans and leases to total assets | 55.7658% | 4,335 |
| Net loans and leases to deposits | 63.2403% | 4,595 |
| Net loans and leases to core deposits | 73.8400% | 3,838 |
| Total domestic deposits to total assets | 88.1807% | 2,122 |
| Equity capital to assets | 8.5761% | 5,691 |
| Core capital (leverage) ratio | 9.6383% | 4,022 |
| Tier 1 risk-based capital ratio | 13.0199% | 5,131 |
| Total risk-based capital ratio | 13.9187% | 5,323 |
| Memoranda: | ||
| Average total assets | $139,393,000 | 3,960 |
| Average earning assets | $130,201,670 | 3,902 |
| Average equity | $14,215,330 | 4,107 |
| Average total loans | $93,826,000 | 3,638 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9118% | 4,427 |
| Cost of funding earning assets | 0.3659% | 5,405 |
| Net interest margin | 3.5459% | 3,498 |
| Noninterest income to average assets | 5.3530% | 135 |
| Noninterest expense to average assets | 7.3130% | 140 |
| Loan and lease loss provision to assets | -0.1294% | 6,855 |
| Net operating income to assets | 1.0100% | 2,180 |
| Return on assets (ROA) | 1.0100% | 2,296 |
| Pretax return on assets | 1.4424% | 1,730 |
| Return on Equity (ROE) | 8.9762% | 2,501 |
| Retained earnings to average equity (ytd only) | 8.9762% | 1,392 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7786% | 1,668 |
| Assets per employee ($millions) | 2.6468% | 6,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9948% | 6,000 |
| Loan loss allowance to noncurrent loans | 23,000.0000% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 6,636 |
| Noncurrent loans to loans | 0.0043% | 6,506 |
| Net loans and leases to total assets | 72.0679% | 1,338 |
| Net loans and leases to deposits | 81.8315% | 1,853 |
| Net loans and leases to core deposits | 94.2653% | 1,325 |
| Total domestic deposits to total assets | 88.0687% | 2,266 |
| Equity capital to assets | 11.3134% | 2,618 |
| Core capital (leverage) ratio | 11.0063% | 2,258 |
| Tier 1 risk-based capital ratio | 13.5858% | 4,810 |
| Total risk-based capital ratio | 14.4956% | 4,998 |
| Memoranda: | ||
| Average total assets | $126,732,500 | 4,251 |
| Average earning assets | $116,980,500 | 4,219 |
| Average equity | $14,260,000 | 4,145 |
| Average total loans | $94,340,000 | 3,642 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6123% | 2,951 |
| Cost of funding earning assets | 0.3715% | 6,100 |
| Net interest margin | 4.2409% | 1,541 |
| Noninterest income to average assets | 4.3002% | 170 |
| Noninterest expense to average assets | 7.7007% | 120 |
| Loan and lease loss provision to assets | 0.3634% | 1,817 |
| Net operating income to assets | 0.1661% | 5,852 |
| Return on assets (ROA) | 0.2944% | 5,697 |
| Pretax return on assets | 0.3090% | 5,805 |
| Return on Equity (ROE) | 2.1841% | 5,850 |
| Retained earnings to average equity (ytd only) | 2.1841% | 4,697 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4780% | 832 |
| Assets per employee ($millions) | 2.6338% | 6,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9989% | 5,971 |
| Loan loss allowance to noncurrent loans | 19,220.0000% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 6,700 |
| Noncurrent loans to loans | 0.0052% | 6,571 |
| Net loans and leases to total assets | 75.3364% | 1,009 |
| Net loans and leases to deposits | 86.6915% | 1,415 |
| Net loans and leases to core deposits | 97.2879% | 1,197 |
| Total domestic deposits to total assets | 86.9017% | 2,887 |
| Equity capital to assets | 11.1904% | 2,748 |
| Core capital (leverage) ratio | 11.7265% | 1,722 |
| Tier 1 risk-based capital ratio | 13.1016% | 5,034 |
| Total risk-based capital ratio | 14.0353% | 5,202 |
| Memoranda: | ||
| Average total assets | $102,926,000 | 4,761 |
| Average earning assets | $95,569,600 | 4,709 |
| Average equity | $13,872,800 | 4,185 |
| Average total loans | $80,718,800 | 4,019 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7281% | 2,677 |
| Cost of funding earning assets | 0.3634% | 6,315 |
| Net interest margin | 4.3647% | 1,310 |
| Noninterest income to average assets | 3.3466% | 220 |
| Noninterest expense to average assets | 7.5861% | 122 |
| Loan and lease loss provision to assets | 0.4492% | 1,399 |
| Net operating income to assets | -0.2720% | 6,552 |
| Return on assets (ROA) | -0.1497% | 6,533 |
| Pretax return on assets | -0.4053% | 6,661 |
| Return on Equity (ROE) | -1.0528% | 6,508 |
| Retained earnings to average equity (ytd only) | -1.0528% | 6,285 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.9760% | 481 |
| Assets per employee ($millions) | 2.1487% | 6,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 6,080 |
| Loan loss allowance to noncurrent loans | 18,280.0000% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 6,795 |
| Noncurrent loans to loans | 0.0055% | 6,674 |
| Net loans and leases to total assets | 82.5434% | 304 |
| Net loans and leases to deposits | 99.2071% | 481 |
| Net loans and leases to core deposits | 112.9514% | 464 |
| Total domestic deposits to total assets | 83.2031% | 4,560 |
| Equity capital to assets | 12.5901% | 1,829 |
| Core capital (leverage) ratio | 12.8361% | 1,260 |
| Tier 1 risk-based capital ratio | 13.5404% | 4,859 |
| Total risk-based capital ratio | 14.4845% | 5,037 |
| Memoranda: | ||
| Average total assets | $97,052,250 | 4,959 |
| Average earning assets | $91,000,250 | 4,888 |
| Average equity | $13,804,250 | 4,237 |
| Average total loans | $76,848,000 | 4,170 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8344% | 2,360 |
| Cost of funding earning assets | 0.3676% | 6,430 |
| Net interest margin | 4.4667% | 1,050 |
| Noninterest income to average assets | 2.4872% | 300 |
| Noninterest expense to average assets | 6.9535% | 148 |
| Loan and lease loss provision to assets | 0.5039% | 1,257 |
| Net operating income to assets | -0.3940% | 6,678 |
| Return on assets (ROA) | -0.2024% | 6,616 |
| Pretax return on assets | -0.4845% | 6,740 |
| Return on Equity (ROE) | -1.3617% | 6,569 |
| Retained earnings to average equity (ytd only) | -1.3617% | 6,262 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.1949% | 433 |
| Assets per employee ($millions) | 2.3652% | 6,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9844% | 6,218 |
| Loan loss allowance to noncurrent loans | 13,683.3333% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 6,838 |
| Noncurrent loans to loans | 0.0072% | 6,701 |
| Net loans and leases to total assets | 81.1974% | 386 |
| Net loans and leases to deposits | 107.0826% | 201 |
| Net loans and leases to core deposits | 110.4881% | 559 |
| Total domestic deposits to total assets | 75.8269% | 6,484 |
| Equity capital to assets | 13.5226% | 1,296 |
| Core capital (leverage) ratio | 13.8731% | 842 |
| Tier 1 risk-based capital ratio | 14.4647% | 4,126 |
| Total risk-based capital ratio | 15.3655% | 4,323 |
| Memoranda: | ||
| Average total assets | $92,874,330 | 5,094 |
| Average earning assets | $87,043,330 | 5,024 |
| Average equity | $13,806,670 | 4,232 |
| Average total loans | $72,007,330 | 4,353 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9735% | 1,980 |
| Cost of funding earning assets | 0.3714% | 6,549 |
| Net interest margin | 4.6020% | 821 |
| Noninterest income to average assets | 2.0710% | 386 |
| Noninterest expense to average assets | 6.7466% | 155 |
| Loan and lease loss provision to assets | 0.7235% | 713 |
| Net operating income to assets | -0.5833% | 6,870 |
| Return on assets (ROA) | -0.5833% | 6,892 |
| Pretax return on assets | -1.0852% | 6,993 |
| Return on Equity (ROE) | -3.7301% | 6,791 |
| Retained earnings to average equity (ytd only) | -3.7301% | 6,467 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.6657% | 417 |
| Assets per employee ($millions) | 3.4094% | 5,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0018% | 6,238 |
| Loan loss allowance to noncurrent loans | 12,450.0000% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.0063% | 6,924 |
| Noncurrent loans to loans | 0.0080% | 6,779 |
| Net loans and leases to total assets | 77.3250% | 660 |
| Net loans and leases to deposits | 94.2276% | 646 |
| Net loans and leases to core deposits | 101.9938% | 865 |
| Total domestic deposits to total assets | 82.0620% | 5,275 |
| Equity capital to assets | 14.4550% | 874 |
| Core capital (leverage) ratio | 14.7909% | 634 |
| Tier 1 risk-based capital ratio | 15.8208% | 3,268 |
| Total risk-based capital ratio | 16.7164% | 3,436 |
| Memoranda: | ||
| Average total assets | $88,459,500 | 5,257 |
| Average earning assets | $82,920,000 | 5,177 |
| Average equity | $13,833,500 | 4,231 |
| Average total loans | $66,310,000 | 4,575 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0889% | 2,497 |
| Cost of funding earning assets | 0.5101% | 6,484 |
| Net interest margin | 4.5788% | 963 |
| Noninterest income to average assets | 0.7006% | 2,600 |
| Noninterest expense to average assets | 5.1855% | 340 |
| Loan and lease loss provision to assets | 0.4337% | 2,433 |
| Net operating income to assets | -0.3387% | 6,374 |
| Return on assets (ROA) | -0.2625% | 6,369 |
| Pretax return on assets | -0.5294% | 6,509 |
| Return on Equity (ROE) | -1.3090% | 6,274 |
| Retained earnings to average equity (ytd only) | -1.3090% | 6,057 |
| Net charge-offs to loans | 0.6077% | 2,627 |
| Credit loss provision to net charge-offs | 107.9422% | 3,127 |
| Earnings coverage of net charge-offs (x) | -0.5343% | 6,089 |
| Efficiency ratio | 104.3186% | 560 |
| Assets per employee ($millions) | 3.5416% | 4,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0111% | 6,166 |
| Loan loss allowance to noncurrent loans | 9,783.3333% | 71 |
| Noncurrent assets plus other real estate owned to assets | 2.0207% | 2,944 |
| Noncurrent loans to loans | 0.0103% | 6,826 |
| Net loans and leases to total assets | 70.5526% | 1,914 |
| Net loans and leases to deposits | 85.9377% | 1,676 |
| Net loans and leases to core deposits | 86.3574% | 2,589 |
| Total domestic deposits to total assets | 82.0973% | 5,097 |
| Equity capital to assets | 17.0249% | 438 |
| Core capital (leverage) ratio | 16.5336% | 411 |
| Tier 1 risk-based capital ratio | 19.7594% | 1,694 |
| Total risk-based capital ratio | 20.6337% | 1,766 |
| Memoranda: | ||
| Average total assets | $68,941,800 | 5,779 |
| Average earning assets | $64,296,800 | 5,725 |
| Average equity | $13,827,600 | 4,151 |
| Average total loans | $45,581,600 | 5,439 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1966% | 2,223 |
| Cost of funding earning assets | 0.5564% | 6,491 |
| Net interest margin | 4.6402% | 871 |
| Noninterest income to average assets | 0.8711% | 1,750 |
| Noninterest expense to average assets | 5.1255% | 333 |
| Loan and lease loss provision to assets | 0.4416% | 2,264 |
| Net operating income to assets | -0.1549% | 6,339 |
| Return on assets (ROA) | -0.0486% | 6,316 |
| Pretax return on assets | -0.2046% | 6,416 |
| Return on Equity (ROE) | -0.2316% | 6,291 |
| Retained earnings to average equity (ytd only) | -0.2316% | 6,014 |
| Net charge-offs to loans | 0.8666% | 1,835 |
| Credit loss provision to net charge-offs | 78.9855% | 4,169 |
| Earnings coverage of net charge-offs (x) | 0.1268% | 5,508 |
| Efficiency ratio | 98.6355% | 709 |
| Assets per employee ($millions) | 5.0014% | 2,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0031% | 6,252 |
| Loan loss allowance to noncurrent loans | 7,242.8571% | 67 |
| Noncurrent assets plus other real estate owned to assets | 2.4713% | 2,604 |
| Noncurrent loans to loans | 0.0138% | 6,915 |
| Net loans and leases to total assets | 66.6960% | 2,742 |
| Net loans and leases to deposits | 87.6917% | 1,469 |
| Net loans and leases to core deposits | 88.1940% | 2,463 |
| Total domestic deposits to total assets | 76.0574% | 6,530 |
| Equity capital to assets | 18.7348% | 332 |
| Core capital (leverage) ratio | 18.8888% | 268 |
| Tier 1 risk-based capital ratio | 22.9224% | 1,159 |
| Total risk-based capital ratio | 23.7872% | 1,188 |
| Memoranda: | ||
| Average total assets | $65,813,000 | 5,917 |
| Average earning assets | $61,346,500 | 5,857 |
| Average equity | $13,817,500 | 4,163 |
| Average total loans | $42,462,750 | 5,627 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2068% | 2,232 |
| Cost of funding earning assets | 0.6013% | 6,460 |
| Net interest margin | 4.6055% | 901 |
| Noninterest income to average assets | 0.7363% | 2,341 |
| Noninterest expense to average assets | 5.3615% | 288 |
| Loan and lease loss provision to assets | 0.5196% | 1,885 |
| Net operating income to assets | -0.4016% | 6,611 |
| Return on assets (ROA) | -0.4016% | 6,640 |
| Pretax return on assets | -0.7746% | 6,812 |
| Return on Equity (ROE) | -1.8343% | 6,499 |
| Retained earnings to average equity (ytd only) | -1.8343% | 6,222 |
| Net charge-offs to loans | 1.4031% | 1,081 |
| Credit loss provision to net charge-offs | 58.4229% | 4,381 |
| Earnings coverage of net charge-offs (x) | -0.2867% | 5,447 |
| Efficiency ratio | 104.9938% | 587 |
| Assets per employee ($millions) | 4.8281% | 2,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0416% | 6,180 |
| Loan loss allowance to noncurrent loans | 408.1818% | 794 |
| Noncurrent assets plus other real estate owned to assets | 2.8952% | 2,323 |
| Noncurrent loans to loans | 0.2552% | 6,412 |
| Net loans and leases to total assets | 63.1092% | 3,659 |
| Net loans and leases to deposits | 85.1610% | 1,917 |
| Net loans and leases to core deposits | 86.2440% | 2,869 |
| Total domestic deposits to total assets | 74.1057% | 6,830 |
| Equity capital to assets | 20.4545% | 239 |
| Core capital (leverage) ratio | 19.1879% | 268 |
| Tier 1 risk-based capital ratio | 26.8960% | 735 |
| Total risk-based capital ratio | 27.8020% | 739 |
| Memoranda: | ||
| Average total assets | $62,743,670 | 6,062 |
| Average earning assets | $59,537,000 | 5,969 |
| Average equity | $13,738,330 | 4,169 |
| Average total loans | $39,769,330 | 5,811 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0624% | 2,805 |
| Cost of funding earning assets | 0.6293% | 6,477 |
| Net interest margin | 4.4331% | 1,210 |
| Noninterest income to average assets | 0.7162% | 2,480 |
| Noninterest expense to average assets | 5.4842% | 261 |
| Loan and lease loss provision to assets | 0.4708% | 1,867 |
| Net operating income to assets | -0.5371% | 6,822 |
| Return on assets (ROA) | -0.5371% | 6,827 |
| Pretax return on assets | -0.9881% | 6,994 |
| Return on Equity (ROE) | -2.3659% | 6,622 |
| Retained earnings to average equity (ytd only) | -2.3659% | 6,204 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.4139% | 494 |
| Assets per employee ($millions) | 4.1501% | 3,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5826% | 3,806 |
| Loan loss allowance to noncurrent loans | 28.4309% | 6,384 |
| Noncurrent assets plus other real estate owned to assets | 3.5935% | 1,895 |
| Noncurrent loans to loans | 5.5663% | 1,168 |
| Net loans and leases to total assets | 63.5363% | 3,533 |
| Net loans and leases to deposits | 85.6011% | 1,790 |
| Net loans and leases to core deposits | 86.7825% | 2,762 |
| Total domestic deposits to total assets | 74.2237% | 6,879 |
| Equity capital to assets | 21.9723% | 173 |
| Core capital (leverage) ratio | 21.6603% | 169 |
| Tier 1 risk-based capital ratio | 29.2516% | 555 |
| Total risk-based capital ratio | 30.5033% | 546 |
| Memoranda: | ||
| Average total assets | $60,318,500 | 6,173 |
| Average earning assets | $57,838,000 | 6,070 |
| Average equity | $13,694,500 | 4,171 |
| Average total loans | $38,100,500 | 5,932 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9990% | 7,135 |
| Cost of funding earning assets | 0.8096% | 6,527 |
| Net interest margin | 3.1894% | 6,292 |
| Noninterest income to average assets | 0.4917% | 4,237 |
| Noninterest expense to average assets | 5.3721% | 326 |
| Loan and lease loss provision to assets | 0.5334% | 3,020 |
| Net operating income to assets | -1.3996% | 6,875 |
| Return on assets (ROA) | -1.0559% | 6,748 |
| Pretax return on assets | -1.8107% | 6,965 |
| Return on Equity (ROE) | -4.1144% | 6,366 |
| Retained earnings to average equity (ytd only) | -4.1144% | 6,212 |
| Net charge-offs to loans | 0.0872% | 5,967 |
| Credit loss provision to net charge-offs | 1,225.0000% | 185 |
| Earnings coverage of net charge-offs (x) | -41.6667% | 6,837 |
| Efficiency ratio | 150.9944% | 207 |
| Assets per employee ($millions) | 3.8924% | 4,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5689% | 3,700 |
| Loan loss allowance to noncurrent loans | 7,062.5000% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 7,214 |
| Noncurrent loans to loans | 0.0222% | 7,086 |
| Net loans and leases to total assets | 60.7132% | 4,544 |
| Net loans and leases to deposits | 80.0578% | 3,165 |
| Net loans and leases to core deposits | 81.1947% | 4,024 |
| Total domestic deposits to total assets | 75.8367% | 6,650 |
| Equity capital to assets | 23.4834% | 150 |
| Core capital (leverage) ratio | 23.5918% | 142 |
| Tier 1 risk-based capital ratio | 30.2570% | 497 |
| Total risk-based capital ratio | 31.5082% | 492 |
| Memoranda: | ||
| Average total assets | $55,117,600 | 6,367 |
| Average earning assets | $52,988,400 | 6,254 |
| Average equity | $14,145,400 | 4,111 |
| Average total loans | $27,520,800 | 6,525 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8310% | 7,384 |
| Cost of funding earning assets | 0.8579% | 6,553 |
| Net interest margin | 2.9731% | 6,885 |
| Noninterest income to average assets | 0.4469% | 4,584 |
| Noninterest expense to average assets | 5.3798% | 291 |
| Loan and lease loss provision to assets | -0.0024% | 7,670 |
| Net operating income to assets | -1.1664% | 6,972 |
| Return on assets (ROA) | -0.9920% | 6,944 |
| Pretax return on assets | -1.8072% | 7,139 |
| Return on Equity (ROE) | -3.7789% | 6,556 |
| Retained earnings to average equity (ytd only) | -3.7789% | 6,436 |
| Net charge-offs to loans | 0.1260% | 5,293 |
| Credit loss provision to net charge-offs | -4.1667% | 6,852 |
| Earnings coverage of net charge-offs (x) | -35.3325% | 6,657 |
| Efficiency ratio | 163.1422% | 154 |
| Assets per employee ($millions) | 4.4486% | 2,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0049% | 6,372 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 45.9918% | 6,694 |
| Net loans and leases to deposits | 64.3770% | 5,867 |
| Net loans and leases to core deposits | 65.3578% | 6,174 |
| Total domestic deposits to total assets | 71.4414% | 7,186 |
| Equity capital to assets | 24.5867% | 140 |
| Core capital (leverage) ratio | 23.7896% | 142 |
| Tier 1 risk-based capital ratio | 34.9864% | 353 |
| Total risk-based capital ratio | 35.6777% | 356 |
| Memoranda: | ||
| Average total assets | $54,300,500 | 6,465 |
| Average earning assets | $52,065,750 | 6,367 |
| Average equity | $14,254,000 | 4,144 |
| Average total loans | $25,397,750 | 6,733 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8464% | 7,465 |
| Cost of funding earning assets | 0.8770% | 6,662 |
| Net interest margin | 2.9693% | 6,900 |
| Noninterest income to average assets | 0.4367% | 4,637 |
| Noninterest expense to average assets | 5.6472% | 254 |
| Loan and lease loss provision to assets | -0.1807% | 7,780 |
| Net operating income to assets | -1.2350% | 7,049 |
| Return on assets (ROA) | -0.9676% | 6,948 |
| Pretax return on assets | -1.7695% | 7,166 |
| Return on Equity (ROE) | -3.6031% | 6,582 |
| Retained earnings to average equity (ytd only) | -3.6031% | 6,389 |
| Net charge-offs to loans | 0.0401% | 5,810 |
| Credit loss provision to net charge-offs | -960.0000% | 6,900 |
| Earnings coverage of net charge-offs (x) | -125.8000% | 6,366 |
| Efficiency ratio | 172.2158% | 147 |
| Assets per employee ($millions) | 3.7148% | 4,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9658% | 6,545 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 44.5354% | 6,885 |
| Net loans and leases to deposits | 60.1848% | 6,393 |
| Net loans and leases to core deposits | 60.6378% | 6,664 |
| Total domestic deposits to total assets | 73.9977% | 6,971 |
| Equity capital to assets | 25.4765% | 130 |
| Core capital (leverage) ratio | 25.8196% | 122 |
| Tier 1 risk-based capital ratio | 41.8278% | 217 |
| Total risk-based capital ratio | 42.5965% | 220 |
| Memoranda: | ||
| Average total assets | $53,123,330 | 6,545 |
| Average earning assets | $50,853,000 | 6,450 |
| Average equity | $14,265,670 | 4,145 |
| Average total loans | $24,907,670 | 6,814 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8876% | 7,530 |
| Cost of funding earning assets | 0.8934% | 6,798 |
| Net interest margin | 2.9942% | 6,840 |
| Noninterest income to average assets | 0.4631% | 4,355 |
| Noninterest expense to average assets | 5.5341% | 269 |
| Loan and lease loss provision to assets | -0.3859% | 7,893 |
| Net operating income to assets | -0.9494% | 7,082 |
| Return on assets (ROA) | -0.9494% | 7,108 |
| Pretax return on assets | -1.8138% | 7,355 |
| Return on Equity (ROE) | -3.4404% | 6,774 |
| Retained earnings to average equity (ytd only) | -3.4404% | 6,419 |
| Net charge-offs to loans | 0.0805% | 4,614 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,385 |
| Earnings coverage of net charge-offs (x) | -57.0000% | 5,599 |
| Efficiency ratio | 165.9722% | 160 |
| Assets per employee ($millions) | 3.6212% | 4,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9602% | 6,643 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 45.5761% | 6,864 |
| Net loans and leases to deposits | 62.0249% | 6,272 |
| Net loans and leases to core deposits | 62.4994% | 6,558 |
| Total domestic deposits to total assets | 73.4802% | 7,107 |
| Equity capital to assets | 26.1865% | 128 |
| Core capital (leverage) ratio | 26.6894% | 112 |
| Tier 1 risk-based capital ratio | 43.9233% | 201 |
| Total risk-based capital ratio | 44.7358% | 203 |
| Memoranda: | ||
| Average total assets | $51,824,000 | 6,670 |
| Average earning assets | $49,696,500 | 6,559 |
| Average equity | $14,300,500 | 4,164 |
| Average total loans | $24,832,500 | 6,892 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4369% | 7,444 |
| Cost of funding earning assets | 1.0291% | 7,148 |
| Net interest margin | 3.4079% | 5,334 |
| Noninterest income to average assets | 0.4403% | 4,880 |
| Noninterest expense to average assets | 7.7434% | 161 |
| Loan and lease loss provision to assets | 0.5294% | 3,727 |
| Net operating income to assets | -2.6164% | 7,300 |
| Return on assets (ROA) | -2.6164% | 7,304 |
| Pretax return on assets | -4.5753% | 7,651 |
| Return on Equity (ROE) | -6.3734% | 6,339 |
| Retained earnings to average equity (ytd only) | -6.3734% | 6,184 |
| Net charge-offs to loans | 0.3115% | 4,685 |
| Credit loss provision to net charge-offs | 322.0339% | 1,010 |
| Earnings coverage of net charge-offs (x) | -24.6102% | 7,195 |
| Efficiency ratio | 209.4197% | 124 |
| Assets per employee ($millions) | 1.4509% | 7,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1958% | 5,391 |
| Loan loss allowance to noncurrent loans | 1,552.6316% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.0385% | 7,418 |
| Noncurrent loans to loans | 0.0770% | 7,226 |
| Net loans and leases to total assets | 49.4101% | 6,695 |
| Net loans and leases to deposits | 70.4125% | 5,554 |
| Net loans and leases to core deposits | 74.9739% | 6,470 |
| Total domestic deposits to total assets | 70.1723% | 7,414 |
| Equity capital to assets | 29.1445% | 107 |
| Core capital (leverage) ratio | 34.0490% | 81 |
| Tier 1 risk-based capital ratio | 44.2186% | 195 |
| Total risk-based capital ratio | 45.2094% | 196 |
| Memoranda: | ||
| Average total assets | $35,888,600 | 7,249 |
| Average earning assets | $34,303,000 | 7,176 |
| Average equity | $14,733,000 | 4,112 |
| Average total loans | $18,939,000 | 7,260 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4609% | 7,550 |
| Cost of funding earning assets | 1.0680% | 7,249 |
| Net interest margin | 3.3928% | 5,298 |
| Noninterest income to average assets | 0.3976% | 5,300 |
| Noninterest expense to average assets | 8.4150% | 137 |
| Loan and lease loss provision to assets | 0.4591% | 3,616 |
| Net operating income to assets | -3.0127% | 7,587 |
| Return on assets (ROA) | -3.0127% | 7,596 |
| Pretax return on assets | -5.2343% | 7,837 |
| Return on Equity (ROE) | -6.6117% | 6,626 |
| Retained earnings to average equity (ytd only) | -6.6117% | 6,465 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 231.1937% | 102 |
| Assets per employee ($millions) | 2.6189% | 7,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2478% | 4,850 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 55.6042% | 6,184 |
| Net loans and leases to deposits | 89.6528% | 2,636 |
| Net loans and leases to core deposits | 102.5012% | 4,105 |
| Total domestic deposits to total assets | 62.0217% | 7,817 |
| Equity capital to assets | 37.3495% | 79 |
| Core capital (leverage) ratio | 39.8192% | 73 |
| Tier 1 risk-based capital ratio | 50.3908% | 167 |
| Total risk-based capital ratio | 51.3857% | 168 |
| Memoranda: | ||
| Average total assets | $32,528,250 | 7,442 |
| Average earning assets | $31,084,250 | 7,368 |
| Average equity | $14,822,000 | 4,129 |
| Average total loans | $17,506,500 | 7,397 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4197% | 7,698 |
| Cost of funding earning assets | 1.1153% | 7,341 |
| Net interest margin | 3.3044% | 5,537 |
| Noninterest income to average assets | 0.3435% | 5,764 |
| Noninterest expense to average assets | 8.8847% | 138 |
| Loan and lease loss provision to assets | 0.4624% | 3,213 |
| Net operating income to assets | -3.4020% | 7,750 |
| Return on assets (ROA) | -3.4020% | 7,753 |
| Pretax return on assets | -5.8527% | 7,938 |
| Return on Equity (ROE) | -6.9258% | 6,788 |
| Retained earnings to average equity (ytd only) | -6.9258% | 6,546 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 254.2533% | 113 |
| Assets per employee ($millions) | 2.6575% | 6,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1713% | 5,136 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 57.1482% | 6,072 |
| Net loans and leases to deposits | 106.8575% | 717 |
| Net loans and leases to core deposits | 123.1321% | 2,102 |
| Total domestic deposits to total assets | 53.4808% | 8,033 |
| Equity capital to assets | 42.4813% | 78 |
| Core capital (leverage) ratio | 45.3296% | 72 |
| Tier 1 risk-based capital ratio | 59.4182% | 140 |
| Total risk-based capital ratio | 60.3838% | 138 |
| Memoranda: | ||
| Average total assets | $30,276,670 | 7,594 |
| Average earning assets | $28,871,000 | 7,534 |
| Average equity | $14,872,000 | 4,131 |
| Average total loans | $15,969,000 | 7,536 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0022% | 7,993 |
| Cost of funding earning assets | 1.1092% | 7,504 |
| Net interest margin | 2.8930% | 6,763 |
| Noninterest income to average assets | 0.2843% | 6,162 |
| Noninterest expense to average assets | 9.7365% | 121 |
| Loan and lease loss provision to assets | 0.2985% | 3,560 |
| Net operating income to assets | -4.1362% | 7,991 |
| Return on assets (ROA) | -4.1362% | 7,985 |
| Pretax return on assets | -7.0074% | 8,082 |
| Return on Equity (ROE) | -7.7756% | 7,222 |
| Retained earnings to average equity (ytd only) | -7.7756% | 6,891 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 321.5962% | 72 |
| Assets per employee ($millions) | 2.1849% | 7,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2503% | 4,433 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 47.7671% | 7,047 |
| Net loans and leases to deposits | 93.6663% | 2,326 |
| Net loans and leases to core deposits | 114.4614% | 2,961 |
| Total domestic deposits to total assets | 50.9971% | 8,092 |
| Equity capital to assets | 48.6171% | 69 |
| Core capital (leverage) ratio | 54.2063% | 65 |
| Tier 1 risk-based capital ratio | 76.6487% | 95 |
| Total risk-based capital ratio | 77.6167% | 94 |
| Memoranda: | ||
| Average total assets | $28,141,500 | 7,727 |
| Average earning assets | $26,685,000 | 7,654 |
| Average equity | $14,970,000 | 4,152 |
| Average total loans | $13,965,000 | 7,695 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9666% | 8,228 |
| Cost of funding earning assets | 0.2795% | 8,225 |
| Net interest margin | 1.6872% | 8,154 |
| Noninterest income to average assets | 0.1022% | 7,623 |
| Noninterest expense to average assets | 12.2117% | 106 |
| Loan and lease loss provision to assets | 0.7979% | 1,859 |
| Net operating income to assets | -6.8162% | 8,187 |
| Return on assets (ROA) | -6.8162% | 8,182 |
| Pretax return on assets | -11.3214% | 8,257 |
| Return on Equity (ROE) | -9.0870% | 7,206 |
| Retained earnings to average equity (ytd only) | -9.0870% | 6,977 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 723.3429% | 26 |
| Assets per employee ($millions) | 1.8354% | 8,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2487% | 4,161 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 50.4767% | 6,985 |
| Net loans and leases to deposits | 123.9962% | 304 |
| Net loans and leases to core deposits | 150.3768% | 842 |
| Total domestic deposits to total assets | 40.7083% | 8,184 |
| Equity capital to assets | 58.6457% | 62 |
| Core capital (leverage) ratio | 68.9767% | 44 |
| Tier 1 risk-based capital ratio | 91.1390% | 89 |
| Total risk-based capital ratio | 92.1289% | 88 |
| Memoranda: | ||
| Average total assets | $20,554,000 | 7,999 |
| Average earning assets | $19,322,330 | 7,962 |
| Average equity | $15,417,670 | 4,047 |
| Average total loans | $7,242,000 | 8,071 |