Home > Anthem Bank & Trust > Performance and Condition Ratios
Anthem Bank & Trust, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6483% | 514 |
| Cost of funding earning assets | 2.5176% | 835 |
| Net interest margin | 4.1307% | 1,061 |
| Noninterest income to average assets | 0.7000% | 1,050 |
| Noninterest expense to average assets | 3.4991% | 589 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.1381% | 1,903 |
| Return on assets (ROA) | 1.1381% | 1,898 |
| Pretax return on assets | 1.1381% | 2,402 |
| Return on Equity (ROE) | 11.7300% | 1,816 |
| Retained earnings to average equity (ytd only) | 7.4405% | 1,853 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 75.4568% | 1,296 |
| Assets per employee ($millions) | 5.5959% | 3,242 |
| Cash dividends to net income (ytd only)* | 36.5482% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4838% | 1,057 |
| Loan loss allowance to noncurrent loans | 278.7832% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.6260% | 1,203 |
| Noncurrent loans to loans | 0.5322% | 1,785 |
| Net loans and leases to total assets | 58.9000% | 2,970 |
| Net loans and leases to deposits | 67.7966% | 3,006 |
| Net loans and leases to core deposits | 73.3987% | 3,107 |
| Total domestic deposits to total assets | 86.8700% | 1,976 |
| Equity capital to assets | 10.1578% | 2,121 |
| Core capital (leverage) ratio | 10.0454% | 2,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5057% | 823 |
| Memoranda: | ||
| Average total assets | $207,712,500 | 2,971 |
| Average earning assets | $198,126,500 | 2,929 |
| Average equity | $20,160,000 | 2,995 |
| Average total loans | $128,883,500 | 2,953 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5518% | 660 |
| Cost of funding earning assets | 2.6776% | 869 |
| Net interest margin | 3.8742% | 1,389 |
| Noninterest income to average assets | 0.8900% | 770 |
| Noninterest expense to average assets | 3.4312% | 640 |
| Loan and lease loss provision to assets | 0.1500% | 931 |
| Net operating income to assets | 0.9925% | 2,082 |
| Return on assets (ROA) | 0.9925% | 2,076 |
| Pretax return on assets | 0.9925% | 2,550 |
| Return on Equity (ROE) | 10.4400% | 2,036 |
| Retained earnings to average equity (ytd only) | 5.3806% | 2,073 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 74.5393% | 1,489 |
| Assets per employee ($millions) | 6.1135% | 2,787 |
| Cash dividends to net income (ytd only)* | 48.4531% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3012% | 1,669 |
| Loan loss allowance to noncurrent loans | 231.7769% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 0.6501% | 1,116 |
| Noncurrent loans to loans | 0.5614% | 1,677 |
| Net loans and leases to total assets | 63.3500% | 2,633 |
| Net loans and leases to deposits | 74.4690% | 2,603 |
| Net loans and leases to core deposits | 80.3866% | 2,751 |
| Total domestic deposits to total assets | 85.0700% | 2,512 |
| Equity capital to assets | 9.2801% | 2,613 |
| Core capital (leverage) ratio | 9.8999% | 2,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1004% | 1,240 |
| Memoranda: | ||
| Average total assets | $201,911,800 | 2,990 |
| Average earning assets | $191,549,200 | 2,944 |
| Average equity | $19,198,600 | 3,024 |
| Average total loans | $132,017,600 | 2,888 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5974% | 610 |
| Cost of funding earning assets | 2.6484% | 910 |
| Net interest margin | 3.9490% | 1,226 |
| Noninterest income to average assets | 0.9400% | 669 |
| Noninterest expense to average assets | 3.5234% | 567 |
| Loan and lease loss provision to assets | 0.1100% | 1,157 |
| Net operating income to assets | 1.0538% | 1,894 |
| Return on assets (ROA) | 1.0538% | 1,904 |
| Pretax return on assets | 1.0538% | 2,374 |
| Return on Equity (ROE) | 11.0100% | 1,893 |
| Retained earnings to average equity (ytd only) | 6.5145% | 1,905 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 74.6175% | 1,518 |
| Assets per employee ($millions) | 6.1889% | 2,724 |
| Cash dividends to net income (ytd only)* | 40.8397% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2200% | 2,111 |
| Loan loss allowance to noncurrent loans | 224.9661% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 0.6449% | 1,115 |
| Noncurrent loans to loans | 0.5423% | 1,738 |
| Net loans and leases to total assets | 63.8000% | 2,546 |
| Net loans and leases to deposits | 73.6746% | 2,700 |
| Net loans and leases to core deposits | 79.4269% | 2,850 |
| Total domestic deposits to total assets | 86.5900% | 1,735 |
| Equity capital to assets | 9.5874% | 2,594 |
| Core capital (leverage) ratio | 9.8174% | 2,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1799% | 1,258 |
| Memoranda: | ||
| Average total assets | $198,896,500 | 3,003 |
| Average earning assets | $188,634,250 | 2,961 |
| Average equity | $19,034,000 | 3,036 |
| Average total loans | $130,688,500 | 2,899 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3870% | 723 |
| Cost of funding earning assets | 2.5068% | 1,076 |
| Net interest margin | 3.8802% | 1,297 |
| Noninterest income to average assets | 0.8800% | 744 |
| Noninterest expense to average assets | 3.5600% | 528 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.9382% | 2,192 |
| Return on assets (ROA) | 0.9382% | 2,198 |
| Pretax return on assets | 0.9382% | 2,655 |
| Return on Equity (ROE) | 9.8100% | 2,237 |
| Retained earnings to average equity (ytd only) | 4.9319% | 2,355 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 77.5129% | 1,339 |
| Assets per employee ($millions) | 6.3358% | 2,533 |
| Cash dividends to net income (ytd only)* | 49.7268% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1163% | 2,700 |
| Loan loss allowance to noncurrent loans | 199.3582% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 0.6494% | 1,044 |
| Noncurrent loans to loans | 0.5599% | 1,616 |
| Net loans and leases to total assets | 63.8600% | 2,570 |
| Net loans and leases to deposits | 76.7900% | 2,483 |
| Net loans and leases to core deposits | 81.9471% | 2,673 |
| Total domestic deposits to total assets | 83.1600% | 2,837 |
| Equity capital to assets | 8.7700% | 2,912 |
| Core capital (leverage) ratio | 9.8999% | 2,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1432% | 1,479 |
| Memoranda: | ||
| Average total assets | $195,054,667 | 3,031 |
| Average earning assets | $184,937,000 | 2,999 |
| Average equity | $18,654,000 | 3,039 |
| Average total loans | $128,951,667 | 2,915 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4669% | 600 |
| Cost of funding earning assets | 2.3971% | 1,175 |
| Net interest margin | 4.0698% | 1,001 |
| Noninterest income to average assets | 0.9700% | 584 |
| Noninterest expense to average assets | 3.6501% | 480 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.1705% | 1,509 |
| Return on assets (ROA) | 1.1705% | 1,518 |
| Pretax return on assets | 1.1705% | 1,963 |
| Return on Equity (ROE) | 11.6800% | 1,659 |
| Retained earnings to average equity (ytd only) | 7.6828% | 1,642 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 75.1346% | 1,627 |
| Assets per employee ($millions) | 5.1764% | 3,526 |
| Cash dividends to net income (ytd only)* | 34.1959% | 1,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1985% | 2,294 |
| Loan loss allowance to noncurrent loans | 214.2037% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 0.6876% | 908 |
| Noncurrent loans to loans | 0.5595% | 1,527 |
| Net loans and leases to total assets | 64.2600% | 2,440 |
| Net loans and leases to deposits | 77.1310% | 2,322 |
| Net loans and leases to core deposits | 84.6205% | 2,397 |
| Total domestic deposits to total assets | 83.3100% | 2,905 |
| Equity capital to assets | 9.7464% | 2,173 |
| Core capital (leverage) ratio | 10.6442% | 2,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6046% | 1,156 |
| Memoranda: | ||
| Average total assets | $184,874,000 | 3,101 |
| Average earning assets | $175,044,500 | 3,069 |
| Average equity | $18,535,000 | 3,053 |
| Average total loans | $123,867,500 | 2,958 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5485% | 337 |
| Cost of funding earning assets | 1.8681% | 1,127 |
| Net interest margin | 4.6804% | 485 |
| Noninterest income to average assets | 0.8000% | 935 |
| Noninterest expense to average assets | 4.0023% | 366 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.1796% | 1,697 |
| Return on assets (ROA) | 1.1796% | 1,671 |
| Pretax return on assets | 1.1796% | 2,191 |
| Return on Equity (ROE) | 11.9300% | 1,969 |
| Retained earnings to average equity (ytd only) | 4.6577% | 2,732 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 76.1874% | 1,228 |
| Assets per employee ($millions) | 4.9506% | 3,676 |
| Cash dividends to net income (ytd only)* | 60.9524% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2122% | 2,222 |
| Loan loss allowance to noncurrent loans | 174.4159% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 0.8282% | 611 |
| Noncurrent loans to loans | 0.6950% | 1,130 |
| Net loans and leases to total assets | 68.2700% | 2,004 |
| Net loans and leases to deposits | 83.0179% | 1,859 |
| Net loans and leases to core deposits | 92.6036% | 1,862 |
| Total domestic deposits to total assets | 82.2300% | 3,083 |
| Equity capital to assets | 10.3259% | 1,831 |
| Core capital (leverage) ratio | 11.0329% | 1,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6212% | 1,154 |
| Memoranda: | ||
| Average total assets | $178,022,200 | 3,142 |
| Average earning assets | $167,764,600 | 3,117 |
| Average equity | $17,605,400 | 3,044 |
| Average total loans | $120,119,600 | 2,955 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5034% | 303 |
| Cost of funding earning assets | 1.7283% | 1,133 |
| Net interest margin | 4.7752% | 425 |
| Noninterest income to average assets | 0.8100% | 922 |
| Noninterest expense to average assets | 4.0073% | 358 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2968% | 1,556 |
| Return on assets (ROA) | 1.2968% | 1,537 |
| Pretax return on assets | 1.2968% | 2,053 |
| Return on Equity (ROE) | 13.2600% | 1,851 |
| Retained earnings to average equity (ytd only) | 4.9637% | 2,946 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 75.0141% | 1,267 |
| Assets per employee ($millions) | 5.1316% | 3,492 |
| Cash dividends to net income (ytd only)* | 62.5650% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1330% | 2,713 |
| Loan loss allowance to noncurrent loans | 679.1469% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.4627% | 1,257 |
| Noncurrent loans to loans | 0.1668% | 2,703 |
| Net loans and leases to total assets | 69.6200% | 1,873 |
| Net loans and leases to deposits | 83.7635% | 1,757 |
| Net loans and leases to core deposits | 92.0289% | 1,794 |
| Total domestic deposits to total assets | 83.1200% | 2,994 |
| Equity capital to assets | 9.8215% | 1,927 |
| Core capital (leverage) ratio | 10.8627% | 2,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7872% | 1,374 |
| Memoranda: | ||
| Average total assets | $177,972,500 | 3,148 |
| Average earning assets | $167,640,750 | 3,124 |
| Average equity | $17,406,000 | 3,050 |
| Average total loans | $119,358,500 | 2,967 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5048% | 261 |
| Cost of funding earning assets | 1.5436% | 1,168 |
| Net interest margin | 4.9612% | 327 |
| Noninterest income to average assets | 0.8800% | 722 |
| Noninterest expense to average assets | 4.0433% | 330 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.5060% | 1,091 |
| Return on assets (ROA) | 1.5060% | 1,092 |
| Pretax return on assets | 1.5060% | 1,591 |
| Return on Equity (ROE) | 15.4200% | 1,385 |
| Retained earnings to average equity (ytd only) | 6.7059% | 2,376 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.3543% | 1,520 |
| Assets per employee ($millions) | 4.8882% | 3,686 |
| Cash dividends to net income (ytd only)* | 56.5120% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2067% | 2,404 |
| Loan loss allowance to noncurrent loans | 651.3636% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.4773% | 1,138 |
| Noncurrent loans to loans | 0.1853% | 2,548 |
| Net loans and leases to total assets | 66.6700% | 2,089 |
| Net loans and leases to deposits | 78.3450% | 2,103 |
| Net loans and leases to core deposits | 83.9718% | 2,213 |
| Total domestic deposits to total assets | 85.0900% | 2,520 |
| Equity capital to assets | 10.0242% | 1,845 |
| Core capital (leverage) ratio | 10.6864% | 2,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7119% | 1,170 |
| Memoranda: | ||
| Average total assets | $177,428,000 | 3,158 |
| Average earning assets | $167,137,667 | 3,132 |
| Average equity | $17,328,000 | 3,077 |
| Average total loans | $116,984,333 | 2,986 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0500% | 298 |
| Cost of funding earning assets | 1.1704% | 1,534 |
| Net interest margin | 4.8796% | 338 |
| Noninterest income to average assets | 0.9200% | 655 |
| Noninterest expense to average assets | 3.9875% | 356 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5290% | 1,121 |
| Return on assets (ROA) | 1.5290% | 1,100 |
| Pretax return on assets | 1.5290% | 1,604 |
| Return on Equity (ROE) | 15.8600% | 1,387 |
| Retained earnings to average equity (ytd only) | 6.2194% | 2,708 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.7542% | 1,554 |
| Assets per employee ($millions) | 5.2699% | 3,445 |
| Cash dividends to net income (ytd only)* | 60.7930% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1687% | 2,720 |
| Loan loss allowance to noncurrent loans | 631.2775% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.4592% | 1,105 |
| Noncurrent loans to loans | 0.1851% | 2,552 |
| Net loans and leases to total assets | 65.7000% | 2,093 |
| Net loans and leases to deposits | 78.1229% | 1,962 |
| Net loans and leases to core deposits | 80.9240% | 2,187 |
| Total domestic deposits to total assets | 84.1000% | 3,075 |
| Equity capital to assets | 9.4781% | 2,162 |
| Core capital (leverage) ratio | 10.9843% | 1,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7792% | 1,424 |
| Memoranda: | ||
| Average total assets | $178,155,000 | 3,192 |
| Average earning assets | $167,800,500 | 3,168 |
| Average equity | $17,172,000 | 3,118 |
| Average total loans | $116,101,500 | 3,020 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0484% | 278 |
| Cost of funding earning assets | 0.5233% | 1,251 |
| Net interest margin | 4.5252% | 281 |
| Noninterest income to average assets | 1.2500% | 439 |
| Noninterest expense to average assets | 3.8290% | 374 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.6207% | 654 |
| Return on assets (ROA) | 1.6207% | 625 |
| Pretax return on assets | 1.6207% | 1,113 |
| Return on Equity (ROE) | 17.7700% | 739 |
| Retained earnings to average equity (ytd only) | 10.9831% | 891 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.7417% | 1,723 |
| Assets per employee ($millions) | 4.7740% | 3,836 |
| Cash dividends to net income (ytd only)* | 38.2011% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3076% | 1,857 |
| Loan loss allowance to noncurrent loans | 620.3463% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.4952% | 1,028 |
| Noncurrent loans to loans | 0.2108% | 2,437 |
| Net loans and leases to total assets | 62.9300% | 2,338 |
| Net loans and leases to deposits | 74.2447% | 2,238 |
| Net loans and leases to core deposits | 76.7352% | 2,370 |
| Total domestic deposits to total assets | 84.7600% | 3,047 |
| Equity capital to assets | 9.8112% | 1,819 |
| Core capital (leverage) ratio | 10.8112% | 1,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2906% | 1,084 |
| Memoranda: | ||
| Average total assets | $180,413,400 | 3,187 |
| Average earning assets | $167,596,400 | 3,181 |
| Average equity | $16,452,600 | 3,238 |
| Average total loans | $113,997,800 | 2,989 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7369% | 329 |
| Cost of funding earning assets | 0.4050% | 1,250 |
| Net interest margin | 4.3319% | 317 |
| Noninterest income to average assets | 1.3100% | 429 |
| Noninterest expense to average assets | 3.7928% | 377 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5301% | 781 |
| Return on assets (ROA) | 1.5301% | 762 |
| Pretax return on assets | 1.5301% | 1,324 |
| Return on Equity (ROE) | 17.0800% | 779 |
| Retained earnings to average equity (ytd only) | 12.8761% | 635 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.7327% | 1,681 |
| Assets per employee ($millions) | 5.1164% | 3,576 |
| Cash dividends to net income (ytd only)* | 24.6301% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2114% | 2,471 |
| Loan loss allowance to noncurrent loans | 241.6526% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 0.6774% | 766 |
| Noncurrent loans to loans | 0.5013% | 1,546 |
| Net loans and leases to total assets | 65.2600% | 1,954 |
| Net loans and leases to deposits | 81.8154% | 1,457 |
| Net loans and leases to core deposits | 84.5887% | 1,614 |
| Total domestic deposits to total assets | 79.7600% | 4,120 |
| Equity capital to assets | 9.2007% | 2,080 |
| Core capital (leverage) ratio | 10.4634% | 2,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2926% | 1,625 |
| Memoranda: | ||
| Average total assets | $182,550,750 | 3,188 |
| Average earning assets | $169,220,750 | 3,183 |
| Average equity | $16,350,250 | 3,282 |
| Average total loans | $115,099,250 | 2,980 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3975% | 441 |
| Cost of funding earning assets | 0.3344% | 1,403 |
| Net interest margin | 4.0631% | 431 |
| Noninterest income to average assets | 0.9112% | 823 |
| Noninterest expense to average assets | 3.7102% | 349 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9711% | 2,257 |
| Return on assets (ROA) | 0.9711% | 2,234 |
| Pretax return on assets | 0.9711% | 2,826 |
| Return on Equity (ROE) | 10.9392% | 1,998 |
| Retained earnings to average equity (ytd only) | 8.1185% | 1,572 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6744% | 1,042 |
| Assets per employee ($millions) | 4.9213% | 3,743 |
| Cash dividends to net income (ytd only)* | 25.7848% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2228% | 2,572 |
| Loan loss allowance to noncurrent loans | 190.8123% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 0.7529% | 698 |
| Noncurrent loans to loans | 0.6408% | 1,332 |
| Net loans and leases to total assets | 63.5728% | 1,955 |
| Net loans and leases to deposits | 77.5865% | 1,567 |
| Net loans and leases to core deposits | 80.2500% | 1,699 |
| Total domestic deposits to total assets | 81.9380% | 4,011 |
| Equity capital to assets | 8.8501% | 2,496 |
| Core capital (leverage) ratio | 9.4049% | 3,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4453% | 1,885 |
| Memoranda: | ||
| Average total assets | $183,710,000 | 3,211 |
| Average earning assets | $170,462,000 | 3,212 |
| Average equity | $16,308,333 | 3,379 |
| Average total loans | $114,034,333 | 3,019 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1520% | 575 |
| Cost of funding earning assets | 0.3272% | 1,400 |
| Net interest margin | 3.8247% | 606 |
| Noninterest income to average assets | 0.7370% | 1,200 |
| Noninterest expense to average assets | 3.6115% | 385 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6980% | 3,062 |
| Return on assets (ROA) | 0.6980% | 3,052 |
| Pretax return on assets | 0.6980% | 3,398 |
| Return on Equity (ROE) | 7.8513% | 2,740 |
| Retained earnings to average equity (ytd only) | 6.1445% | 2,200 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1489% | 909 |
| Assets per employee ($millions) | 5.2466% | 3,546 |
| Cash dividends to net income (ytd only)* | 21.7391% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3104% | 2,306 |
| Loan loss allowance to noncurrent loans | 184.9032% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 0.7386% | 759 |
| Noncurrent loans to loans | 0.7087% | 1,341 |
| Net loans and leases to total assets | 57.1385% | 2,398 |
| Net loans and leases to deposits | 69.5636% | 1,999 |
| Net loans and leases to core deposits | 71.8549% | 2,126 |
| Total domestic deposits to total assets | 82.1385% | 4,057 |
| Equity capital to assets | 8.4833% | 3,176 |
| Core capital (leverage) ratio | 9.0617% | 3,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7742% | 1,884 |
| Memoranda: | ||
| Average total assets | $184,520,500 | 3,207 |
| Average earning assets | $172,351,500 | 3,206 |
| Average equity | $16,405,000 | 3,441 |
| Average total loans | $112,455,500 | 3,028 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0205% | 1,315 |
| Cost of funding earning assets | 0.4341% | 1,298 |
| Net interest margin | 3.5864% | 1,503 |
| Noninterest income to average assets | 0.8974% | 1,205 |
| Noninterest expense to average assets | 3.6695% | 394 |
| Loan and lease loss provision to assets | 0.0374% | 2,296 |
| Net operating income to assets | 0.5468% | 3,990 |
| Return on assets (ROA) | 0.5468% | 4,040 |
| Pretax return on assets | 0.5468% | 4,182 |
| Return on Equity (ROE) | 5.4552% | 3,894 |
| Retained earnings to average equity (ytd only) | 2.8105% | 3,723 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5549% | 490 |
| Assets per employee ($millions) | 4.8693% | 3,834 |
| Cash dividends to net income (ytd only)* | 48.4816% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2401% | 2,672 |
| Loan loss allowance to noncurrent loans | 168.1925% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 0.8170% | 733 |
| Noncurrent loans to loans | 0.7373% | 1,376 |
| Net loans and leases to total assets | 63.3442% | 1,780 |
| Net loans and leases to deposits | 74.7972% | 1,668 |
| Net loans and leases to core deposits | 77.4320% | 1,809 |
| Total domestic deposits to total assets | 84.6879% | 3,365 |
| Equity capital to assets | 9.3176% | 3,300 |
| Core capital (leverage) ratio | 9.7486% | 2,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8783% | 1,896 |
| Memoranda: | ||
| Average total assets | $168,607,400 | 3,314 |
| Average earning assets | $157,791,200 | 3,303 |
| Average equity | $16,901,200 | 3,472 |
| Average total loans | $102,853,800 | 3,163 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9422% | 1,660 |
| Cost of funding earning assets | 0.4695% | 1,215 |
| Net interest margin | 3.4728% | 1,951 |
| Noninterest income to average assets | 0.9928% | 1,080 |
| Noninterest expense to average assets | 3.6012% | 410 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6292% | 3,952 |
| Return on assets (ROA) | 0.6292% | 4,005 |
| Pretax return on assets | 0.6292% | 4,193 |
| Return on Equity (ROE) | 6.1586% | 3,875 |
| Retained earnings to average equity (ytd only) | 3.3550% | 3,785 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4047% | 499 |
| Assets per employee ($millions) | 4.4983% | 4,121 |
| Cash dividends to net income (ytd only)* | 45.5243% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3357% | 2,306 |
| Loan loss allowance to noncurrent loans | 133.3982% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 0.9635% | 700 |
| Noncurrent loans to loans | 1.0013% | 1,148 |
| Net loans and leases to total assets | 59.2005% | 2,351 |
| Net loans and leases to deposits | 70.3085% | 2,205 |
| Net loans and leases to core deposits | 72.5449% | 2,374 |
| Total domestic deposits to total assets | 84.2011% | 3,405 |
| Equity capital to assets | 9.9236% | 2,973 |
| Core capital (leverage) ratio | 9.8775% | 2,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0327% | 1,602 |
| Memoranda: | ||
| Average total assets | $165,718,000 | 3,369 |
| Average earning assets | $154,494,000 | 3,360 |
| Average equity | $16,929,750 | 3,513 |
| Average total loans | $99,678,000 | 3,245 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9288% | 1,749 |
| Cost of funding earning assets | 0.5219% | 1,081 |
| Net interest margin | 3.4069% | 2,121 |
| Noninterest income to average assets | 1.1514% | 859 |
| Noninterest expense to average assets | 3.6041% | 404 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7318% | 3,678 |
| Return on assets (ROA) | 0.7318% | 3,748 |
| Pretax return on assets | 0.7318% | 4,003 |
| Return on Equity (ROE) | 7.0928% | 3,636 |
| Retained earnings to average equity (ytd only) | 4.4921% | 3,364 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4191% | 641 |
| Assets per employee ($millions) | 4.2888% | 4,263 |
| Cash dividends to net income (ytd only)* | 36.6667% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3890% | 2,026 |
| Loan loss allowance to noncurrent loans | 180.9775% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 0.8232% | 968 |
| Noncurrent loans to loans | 0.7675% | 1,569 |
| Net loans and leases to total assets | 58.1484% | 2,649 |
| Net loans and leases to deposits | 68.1460% | 2,602 |
| Net loans and leases to core deposits | 71.0455% | 2,686 |
| Total domestic deposits to total assets | 85.3293% | 2,976 |
| Equity capital to assets | 10.1510% | 2,723 |
| Core capital (leverage) ratio | 9.7728% | 2,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7547% | 1,400 |
| Memoranda: | ||
| Average total assets | $163,978,667 | 3,397 |
| Average earning assets | $153,277,000 | 3,379 |
| Average equity | $16,918,667 | 3,522 |
| Average total loans | $98,715,667 | 3,272 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8950% | 1,841 |
| Cost of funding earning assets | 0.5710% | 1,003 |
| Net interest margin | 3.3240% | 2,316 |
| Noninterest income to average assets | 1.2419% | 811 |
| Noninterest expense to average assets | 3.5581% | 432 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8107% | 3,387 |
| Return on assets (ROA) | 0.8107% | 3,460 |
| Pretax return on assets | 0.8107% | 3,791 |
| Return on Equity (ROE) | 7.7923% | 3,392 |
| Retained earnings to average equity (ytd only) | 6.4659% | 2,744 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7107% | 779 |
| Assets per employee ($millions) | 4.2467% | 4,314 |
| Cash dividends to net income (ytd only)* | 17.0213% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3883% | 2,012 |
| Loan loss allowance to noncurrent loans | 159.1173% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 0.9177% | 926 |
| Noncurrent loans to loans | 0.8725% | 1,545 |
| Net loans and leases to total assets | 60.3005% | 2,509 |
| Net loans and leases to deposits | 69.8494% | 2,521 |
| Net loans and leases to core deposits | 73.4509% | 2,561 |
| Total domestic deposits to total assets | 86.3294% | 2,617 |
| Equity capital to assets | 10.5308% | 2,243 |
| Core capital (leverage) ratio | 10.1398% | 2,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4745% | 1,178 |
| Memoranda: | ||
| Average total assets | $162,335,500 | 3,406 |
| Average earning assets | $152,708,000 | 3,390 |
| Average equity | $16,888,500 | 3,521 |
| Average total loans | $98,757,500 | 3,276 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4839% | 1,353 |
| Cost of funding earning assets | 0.9843% | 626 |
| Net interest margin | 3.4995% | 2,479 |
| Noninterest income to average assets | 1.0420% | 969 |
| Noninterest expense to average assets | 3.7793% | 469 |
| Loan and lease loss provision to assets | 0.0187% | 4,153 |
| Net operating income to assets | 0.5204% | 3,985 |
| Return on assets (ROA) | 0.5204% | 4,070 |
| Pretax return on assets | 0.5204% | 4,236 |
| Return on Equity (ROE) | 5.0289% | 3,894 |
| Retained earnings to average equity (ytd only) | 2.3758% | 3,674 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7794% | 498 |
| Assets per employee ($millions) | 4.4134% | 4,003 |
| Cash dividends to net income (ytd only)* | 52.7578% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3861% | 2,020 |
| Loan loss allowance to noncurrent loans | 189.4882% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 0.8224% | 1,238 |
| Noncurrent loans to loans | 0.7315% | 1,874 |
| Net loans and leases to total assets | 59.6861% | 2,904 |
| Net loans and leases to deposits | 69.6437% | 2,919 |
| Net loans and leases to core deposits | 73.2181% | 2,976 |
| Total domestic deposits to total assets | 85.7020% | 2,487 |
| Equity capital to assets | 10.2777% | 2,852 |
| Core capital (leverage) ratio | 10.1712% | 2,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1199% | 1,234 |
| Memoranda: | ||
| Average total assets | $160,266,200 | 3,283 |
| Average earning assets | $150,048,600 | 3,260 |
| Average equity | $16,584,000 | 3,496 |
| Average total loans | $100,235,800 | 3,225 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5564% | 1,436 |
| Cost of funding earning assets | 1.0584% | 621 |
| Net interest margin | 3.4980% | 2,593 |
| Noninterest income to average assets | 1.1694% | 775 |
| Noninterest expense to average assets | 3.8116% | 454 |
| Loan and lease loss provision to assets | 0.0251% | 4,025 |
| Net operating income to assets | 0.6035% | 3,753 |
| Return on assets (ROA) | 0.6035% | 3,855 |
| Pretax return on assets | 0.6035% | 4,092 |
| Return on Equity (ROE) | 5.8221% | 3,610 |
| Retained earnings to average equity (ytd only) | 2.9917% | 3,526 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1280% | 553 |
| Assets per employee ($millions) | 4.3368% | 4,008 |
| Cash dividends to net income (ytd only)* | 48.6150% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3852% | 1,797 |
| Loan loss allowance to noncurrent loans | 103.7093% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 1.1778% | 866 |
| Noncurrent loans to loans | 1.3356% | 1,107 |
| Net loans and leases to total assets | 59.1839% | 3,306 |
| Net loans and leases to deposits | 70.2509% | 3,294 |
| Net loans and leases to core deposits | 74.1570% | 3,313 |
| Total domestic deposits to total assets | 84.2464% | 2,732 |
| Equity capital to assets | 10.2100% | 3,057 |
| Core capital (leverage) ratio | 9.8331% | 2,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8152% | 1,301 |
| Memoranda: | ||
| Average total assets | $159,508,750 | 3,276 |
| Average earning assets | $149,148,250 | 3,252 |
| Average equity | $16,534,250 | 3,502 |
| Average total loans | $100,586,000 | 3,230 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7507% | 1,280 |
| Cost of funding earning assets | 1.1311% | 650 |
| Net interest margin | 3.6196% | 2,419 |
| Noninterest income to average assets | 1.2590% | 637 |
| Noninterest expense to average assets | 3.9139% | 450 |
| Loan and lease loss provision to assets | 0.0380% | 3,802 |
| Net operating income to assets | 0.6910% | 3,419 |
| Return on assets (ROA) | 0.6910% | 3,521 |
| Pretax return on assets | 0.6910% | 3,890 |
| Return on Equity (ROE) | 6.6314% | 3,276 |
| Retained earnings to average equity (ytd only) | 4.1735% | 2,834 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6155% | 664 |
| Assets per employee ($millions) | 4.1723% | 4,131 |
| Cash dividends to net income (ytd only)* | 37.0642% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3626% | 1,720 |
| Loan loss allowance to noncurrent loans | 133.6585% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 1.0375% | 1,143 |
| Noncurrent loans to loans | 1.0194% | 1,524 |
| Net loans and leases to total assets | 62.5523% | 3,064 |
| Net loans and leases to deposits | 75.5040% | 2,922 |
| Net loans and leases to core deposits | 80.2752% | 2,928 |
| Total domestic deposits to total assets | 82.8463% | 3,130 |
| Equity capital to assets | 10.5942% | 2,670 |
| Core capital (leverage) ratio | 10.0103% | 2,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1681% | 1,215 |
| Memoranda: | ||
| Average total assets | $157,745,000 | 3,274 |
| Average earning assets | $147,473,000 | 3,248 |
| Average equity | $16,437,000 | 3,516 |
| Average total loans | $101,146,333 | 3,217 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8752% | 1,257 |
| Cost of funding earning assets | 1.1930% | 792 |
| Net interest margin | 3.6822% | 2,385 |
| Noninterest income to average assets | 1.3575% | 484 |
| Noninterest expense to average assets | 4.0955% | 454 |
| Loan and lease loss provision to assets | 0.0763% | 2,773 |
| Net operating income to assets | 0.6305% | 3,515 |
| Return on assets (ROA) | 0.6305% | 3,572 |
| Pretax return on assets | 0.6305% | 3,866 |
| Return on Equity (ROE) | 6.1020% | 3,282 |
| Retained earnings to average equity (ytd only) | 4.1828% | 2,609 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5950% | 792 |
| Assets per employee ($millions) | 4.2309% | 3,616 |
| Cash dividends to net income (ytd only)* | 31.4516% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3394% | 1,955 |
| Loan loss allowance to noncurrent loans | 115.6118% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 1.1227% | 1,146 |
| Noncurrent loans to loans | 1.1585% | 1,428 |
| Net loans and leases to total assets | 62.7675% | 3,222 |
| Net loans and leases to deposits | 77.4304% | 2,940 |
| Net loans and leases to core deposits | 81.8059% | 3,035 |
| Total domestic deposits to total assets | 81.0631% | 3,651 |
| Equity capital to assets | 10.2770% | 3,540 |
| Core capital (leverage) ratio | 10.1515% | 3,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3773% | 1,508 |
| Memoranda: | ||
| Average total assets | $157,343,000 | 3,238 |
| Average earning assets | $147,193,500 | 3,218 |
| Average equity | $16,257,000 | 3,534 |
| Average total loans | $101,446,500 | 3,203 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0215% | 1,422 |
| Cost of funding earning assets | 1.2305% | 946 |
| Net interest margin | 3.7910% | 2,530 |
| Noninterest income to average assets | 1.1269% | 740 |
| Noninterest expense to average assets | 4.0674% | 491 |
| Loan and lease loss provision to assets | 0.0532% | 2,969 |
| Net operating income to assets | 0.5362% | 4,322 |
| Return on assets (ROA) | 0.5362% | 4,373 |
| Pretax return on assets | 0.5362% | 4,513 |
| Return on Equity (ROE) | 5.2917% | 4,133 |
| Retained earnings to average equity (ytd only) | 3.1482% | 3,450 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6054% | 513 |
| Assets per employee ($millions) | 3.9464% | 3,979 |
| Cash dividends to net income (ytd only)* | 40.5079% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3319% | 1,788 |
| Loan loss allowance to noncurrent loans | 96.4029% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 1.4359% | 719 |
| Noncurrent loans to loans | 1.3816% | 1,069 |
| Net loans and leases to total assets | 64.4974% | 3,134 |
| Net loans and leases to deposits | 77.5362% | 3,057 |
| Net loans and leases to core deposits | 82.4636% | 3,084 |
| Total domestic deposits to total assets | 83.1837% | 3,142 |
| Equity capital to assets | 10.3898% | 3,551 |
| Core capital (leverage) ratio | 10.3913% | 3,077 |
| Tier 1 risk-based capital ratio | 15.6502% | 2,525 |
| Total risk-based capital ratio | 16.9013% | 2,462 |
| Memoranda: | ||
| Average total assets | $154,225,600 | 3,251 |
| Average earning assets | $143,603,600 | 3,235 |
| Average equity | $15,628,200 | 3,579 |
| Average total loans | $104,271,400 | 3,167 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0053% | 1,521 |
| Cost of funding earning assets | 1.2197% | 982 |
| Net interest margin | 3.7856% | 2,640 |
| Noninterest income to average assets | 1.2097% | 627 |
| Noninterest expense to average assets | 4.0732% | 485 |
| Loan and lease loss provision to assets | 0.0709% | 2,462 |
| Net operating income to assets | 0.5789% | 4,346 |
| Return on assets (ROA) | 0.5789% | 4,392 |
| Pretax return on assets | 0.5789% | 4,579 |
| Return on Equity (ROE) | 5.7494% | 4,113 |
| Retained earnings to average equity (ytd only) | 3.7071% | 3,543 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4921% | 526 |
| Assets per employee ($millions) | 3.9298% | 3,985 |
| Cash dividends to net income (ytd only)* | 35.5229% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2681% | 2,129 |
| Loan loss allowance to noncurrent loans | 95.3737% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 1.4155% | 815 |
| Noncurrent loans to loans | 1.3296% | 1,158 |
| Net loans and leases to total assets | 66.3719% | 3,005 |
| Net loans and leases to deposits | 83.9698% | 2,462 |
| Net loans and leases to core deposits | 88.8694% | 2,646 |
| Total domestic deposits to total assets | 79.0426% | 4,181 |
| Equity capital to assets | 10.1183% | 3,894 |
| Core capital (leverage) ratio | 10.2184% | 3,403 |
| Tier 1 risk-based capital ratio | 14.0411% | 3,306 |
| Total risk-based capital ratio | 15.2539% | 3,242 |
| Memoranda: | ||
| Average total assets | $154,304,500 | 3,279 |
| Average earning assets | $143,205,500 | 3,270 |
| Average equity | $15,537,500 | 3,624 |
| Average total loans | $105,187,250 | 3,190 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0764% | 1,280 |
| Cost of funding earning assets | 1.1709% | 1,070 |
| Net interest margin | 3.9055% | 2,226 |
| Noninterest income to average assets | 1.1882% | 605 |
| Noninterest expense to average assets | 4.1450% | 445 |
| Loan and lease loss provision to assets | 0.0287% | 3,247 |
| Net operating income to assets | 0.6208% | 4,248 |
| Return on assets (ROA) | 0.6208% | 4,290 |
| Pretax return on assets | 0.6208% | 4,504 |
| Return on Equity (ROE) | 6.1758% | 3,991 |
| Retained earnings to average equity (ytd only) | 4.4113% | 3,062 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6910% | 563 |
| Assets per employee ($millions) | 3.9272% | 3,968 |
| Cash dividends to net income (ytd only)* | 28.5714% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2191% | 2,423 |
| Loan loss allowance to noncurrent loans | 109.5890% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 1.2655% | 1,023 |
| Noncurrent loans to loans | 1.1125% | 1,468 |
| Net loans and leases to total assets | 66.0222% | 3,102 |
| Net loans and leases to deposits | 87.0696% | 2,120 |
| Net loans and leases to core deposits | 91.7084% | 2,438 |
| Total domestic deposits to total assets | 75.8269% | 4,689 |
| Equity capital to assets | 10.0472% | 3,936 |
| Core capital (leverage) ratio | 10.1887% | 3,392 |
| Tier 1 risk-based capital ratio | 14.7674% | 2,931 |
| Total risk-based capital ratio | 15.9941% | 2,871 |
| Memoranda: | ||
| Average total assets | $153,342,670 | 3,312 |
| Average earning assets | $141,596,670 | 3,308 |
| Average equity | $15,415,000 | 3,644 |
| Average total loans | $105,026,330 | 3,208 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1774% | 948 |
| Cost of funding earning assets | 1.1489% | 1,049 |
| Net interest margin | 4.0284% | 1,768 |
| Noninterest income to average assets | 1.3072% | 499 |
| Noninterest expense to average assets | 4.2437% | 377 |
| Loan and lease loss provision to assets | 0.0581% | 2,493 |
| Net operating income to assets | 0.7183% | 3,876 |
| Return on assets (ROA) | 0.7183% | 3,921 |
| Pretax return on assets | 0.7183% | 4,257 |
| Return on Equity (ROE) | 7.1433% | 3,621 |
| Retained earnings to average equity (ytd only) | 7.1433% | 1,985 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7980% | 725 |
| Assets per employee ($millions) | 3.9849% | 3,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2046% | 2,549 |
| Loan loss allowance to noncurrent loans | 128.7726% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 1.1381% | 1,195 |
| Noncurrent loans to loans | 0.9355% | 1,794 |
| Net loans and leases to total assets | 65.8607% | 3,076 |
| Net loans and leases to deposits | 91.1157% | 1,497 |
| Net loans and leases to core deposits | 95.6824% | 1,956 |
| Total domestic deposits to total assets | 72.2825% | 5,032 |
| Equity capital to assets | 9.7181% | 4,070 |
| Core capital (leverage) ratio | 10.3778% | 3,187 |
| Tier 1 risk-based capital ratio | 14.0570% | 3,314 |
| Total risk-based capital ratio | 15.2309% | 3,261 |
| Memoranda: | ||
| Average total assets | $151,470,000 | 3,370 |
| Average earning assets | $139,607,500 | 3,371 |
| Average equity | $15,231,000 | 3,677 |
| Average total loans | $105,043,000 | 3,236 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8655% | 1,377 |
| Cost of funding earning assets | 0.8672% | 1,235 |
| Net interest margin | 3.9983% | 1,990 |
| Noninterest income to average assets | 0.7810% | 1,520 |
| Noninterest expense to average assets | 4.1698% | 419 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.3649% | 4,912 |
| Return on assets (ROA) | 0.3649% | 4,907 |
| Pretax return on assets | 0.3649% | 4,972 |
| Return on Equity (ROE) | 3.6004% | 4,799 |
| Retained earnings to average equity (ytd only) | 3.6004% | 3,604 |
| Net charge-offs to loans | 0.0068% | 3,446 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 75.4286% | 896 |
| Efficiency ratio | 91.0075% | 312 |
| Assets per employee ($millions) | 3.6807% | 4,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2116% | 2,508 |
| Loan loss allowance to noncurrent loans | 196.8701% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 1.0652% | 1,273 |
| Noncurrent loans to loans | 0.6154% | 2,439 |
| Net loans and leases to total assets | 71.4544% | 2,359 |
| Net loans and leases to deposits | 89.2588% | 1,899 |
| Net loans and leases to core deposits | 91.9243% | 2,413 |
| Total domestic deposits to total assets | 80.0531% | 4,096 |
| Equity capital to assets | 10.4301% | 3,254 |
| Core capital (leverage) ratio | 10.4386% | 3,094 |
| Tier 1 risk-based capital ratio | 15.4256% | 2,654 |
| Total risk-based capital ratio | 16.6759% | 2,571 |
| Memoranda: | ||
| Average total assets | $144,682,400 | 3,449 |
| Average earning assets | $135,832,600 | 3,415 |
| Average equity | $14,665,000 | 3,676 |
| Average total loans | $103,642,400 | 3,238 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7546% | 1,534 |
| Cost of funding earning assets | 0.8021% | 1,326 |
| Net interest margin | 3.9525% | 2,117 |
| Noninterest income to average assets | 0.8002% | 1,473 |
| Noninterest expense to average assets | 4.1443% | 427 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.3541% | 5,025 |
| Return on assets (ROA) | 0.3541% | 5,022 |
| Pretax return on assets | 0.3541% | 5,085 |
| Return on Equity (ROE) | 3.5187% | 4,922 |
| Retained earnings to average equity (ytd only) | 3.5187% | 4,014 |
| Net charge-offs to loans | 0.0039% | 3,332 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 128.3300% | 625 |
| Efficiency ratio | 91.1470% | 296 |
| Assets per employee ($millions) | 3.9280% | 4,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2044% | 2,593 |
| Loan loss allowance to noncurrent loans | 155.4187% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 1.1401% | 1,248 |
| Noncurrent loans to loans | 0.7750% | 2,150 |
| Net loans and leases to total assets | 71.2255% | 2,458 |
| Net loans and leases to deposits | 94.9227% | 1,276 |
| Net loans and leases to core deposits | 97.9051% | 1,941 |
| Total domestic deposits to total assets | 75.0353% | 4,880 |
| Equity capital to assets | 10.0993% | 3,543 |
| Core capital (leverage) ratio | 10.6434% | 2,943 |
| Tier 1 risk-based capital ratio | 14.8495% | 2,946 |
| Total risk-based capital ratio | 16.0996% | 2,868 |
| Memoranda: | ||
| Average total assets | $144,966,500 | 3,480 |
| Average earning assets | $135,640,750 | 3,454 |
| Average equity | $14,588,250 | 3,712 |
| Average total loans | $103,596,000 | 3,267 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6987% | 1,518 |
| Cost of funding earning assets | 0.7681% | 1,291 |
| Net interest margin | 3.9306% | 2,104 |
| Noninterest income to average assets | 0.7871% | 1,511 |
| Noninterest expense to average assets | 4.1493% | 444 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.3052% | 5,107 |
| Return on assets (ROA) | 0.3052% | 5,104 |
| Pretax return on assets | 0.3052% | 5,160 |
| Return on Equity (ROE) | 3.0361% | 5,020 |
| Retained earnings to average equity (ytd only) | 3.0361% | 4,034 |
| Net charge-offs to loans | 0.0058% | 2,945 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 73.6667% | 875 |
| Efficiency ratio | 92.1575% | 307 |
| Assets per employee ($millions) | 3.8416% | 4,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2471% | 2,447 |
| Loan loss allowance to noncurrent loans | 115.6737% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 1.3262% | 1,061 |
| Noncurrent loans to loans | 1.0782% | 1,636 |
| Net loans and leases to total assets | 68.4530% | 2,801 |
| Net loans and leases to deposits | 94.7607% | 1,276 |
| Net loans and leases to core deposits | 97.3293% | 1,936 |
| Total domestic deposits to total assets | 72.2377% | 5,165 |
| Equity capital to assets | 9.9827% | 3,642 |
| Core capital (leverage) ratio | 10.1466% | 3,422 |
| Tier 1 risk-based capital ratio | 14.7306% | 3,006 |
| Total risk-based capital ratio | 15.9808% | 2,933 |
| Memoranda: | ||
| Average total assets | $144,843,000 | 3,504 |
| Average earning assets | $135,143,670 | 3,487 |
| Average equity | $14,558,330 | 3,740 |
| Average total loans | $103,201,670 | 3,280 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4657% | 1,972 |
| Cost of funding earning assets | 0.7310% | 1,284 |
| Net interest margin | 3.7347% | 2,668 |
| Noninterest income to average assets | 0.8040% | 1,439 |
| Noninterest expense to average assets | 4.0756% | 484 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2273% | 5,212 |
| Return on assets (ROA) | 0.2273% | 5,212 |
| Pretax return on assets | 0.2273% | 5,239 |
| Return on Equity (ROE) | 2.2541% | 5,143 |
| Retained earnings to average equity (ytd only) | 2.2541% | 4,265 |
| Net charge-offs to loans | 0.0115% | 2,333 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 27.3333% | 1,300 |
| Efficiency ratio | 93.6856% | 309 |
| Assets per employee ($millions) | 3.8944% | 4,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2270% | 2,647 |
| Loan loss allowance to noncurrent loans | 192.6718% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 1.0136% | 1,551 |
| Noncurrent loans to loans | 0.6368% | 2,632 |
| Net loans and leases to total assets | 68.6488% | 2,682 |
| Net loans and leases to deposits | 90.2591% | 1,658 |
| Net loans and leases to core deposits | 92.5431% | 2,256 |
| Total domestic deposits to total assets | 76.0575% | 4,957 |
| Equity capital to assets | 9.7853% | 3,805 |
| Core capital (leverage) ratio | 9.9036% | 3,639 |
| Tier 1 risk-based capital ratio | 14.4467% | 3,149 |
| Total risk-based capital ratio | 15.6959% | 3,060 |
| Memoranda: | ||
| Average total assets | $144,273,500 | 3,542 |
| Average earning assets | $135,163,000 | 3,522 |
| Average equity | $14,551,000 | 3,767 |
| Average total loans | $104,207,000 | 3,284 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6148% | 1,386 |
| Cost of funding earning assets | 0.6637% | 1,229 |
| Net interest margin | 3.9512% | 1,912 |
| Noninterest income to average assets | 0.9615% | 1,113 |
| Noninterest expense to average assets | 4.2212% | 408 |
| Loan and lease loss provision to assets | 0.0835% | 2,532 |
| Net operating income to assets | 0.3085% | 4,914 |
| Return on assets (ROA) | 0.3085% | 4,928 |
| Pretax return on assets | 0.3085% | 5,199 |
| Return on Equity (ROE) | 2.8979% | 4,858 |
| Retained earnings to average equity (ytd only) | 2.8979% | 3,573 |
| Net charge-offs to loans | -0.0062% | 4,680 |
| Credit loss provision to net charge-offs | -1,900.0000% | 5,151 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3574% | 418 |
| Assets per employee ($millions) | 3.6041% | 4,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1984% | 2,791 |
| Loan loss allowance to noncurrent loans | 139.4708% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 1.3176% | 1,099 |
| Noncurrent loans to loans | 0.8592% | 2,080 |
| Net loans and leases to total assets | 74.2002% | 1,886 |
| Net loans and leases to deposits | 99.5999% | 761 |
| Net loans and leases to core deposits | 101.6719% | 1,574 |
| Total domestic deposits to total assets | 74.4983% | 5,138 |
| Equity capital to assets | 10.4020% | 3,266 |
| Core capital (leverage) ratio | 10.6624% | 2,685 |
| Tier 1 risk-based capital ratio | 14.7552% | 2,956 |
| Total risk-based capital ratio | 16.0048% | 2,894 |
| Memoranda: | ||
| Average total assets | $136,453,400 | 3,662 |
| Average earning assets | $126,115,000 | 3,649 |
| Average equity | $14,527,800 | 3,775 |
| Average total loans | $97,193,200 | 3,393 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6422% | 1,269 |
| Cost of funding earning assets | 0.6574% | 1,194 |
| Net interest margin | 3.9848% | 1,760 |
| Noninterest income to average assets | 1.0209% | 986 |
| Noninterest expense to average assets | 4.2226% | 398 |
| Loan and lease loss provision to assets | 0.0581% | 2,923 |
| Net operating income to assets | 0.4046% | 4,990 |
| Return on assets (ROA) | 0.4046% | 5,021 |
| Pretax return on assets | 0.4046% | 5,180 |
| Return on Equity (ROE) | 3.7781% | 4,925 |
| Retained earnings to average equity (ytd only) | 3.7781% | 3,676 |
| Net charge-offs to loans | -0.0084% | 4,587 |
| Credit loss provision to net charge-offs | -983.3333% | 4,945 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9683% | 451 |
| Assets per employee ($millions) | 3.4157% | 4,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2369% | 2,712 |
| Loan loss allowance to noncurrent loans | 159.8415% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 1.3113% | 1,223 |
| Noncurrent loans to loans | 0.7738% | 2,429 |
| Net loans and leases to total assets | 74.4355% | 1,849 |
| Net loans and leases to deposits | 99.0202% | 819 |
| Net loans and leases to core deposits | 101.2333% | 1,606 |
| Total domestic deposits to total assets | 75.1720% | 5,114 |
| Equity capital to assets | 11.3986% | 2,469 |
| Core capital (leverage) ratio | 10.7694% | 2,673 |
| Tier 1 risk-based capital ratio | 15.9134% | 2,543 |
| Total risk-based capital ratio | 17.1641% | 2,473 |
| Memoranda: | ||
| Average total assets | $135,427,000 | 3,710 |
| Average earning assets | $124,536,250 | 3,704 |
| Average equity | $14,504,500 | 3,819 |
| Average total loans | $95,101,500 | 3,462 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5572% | 1,371 |
| Cost of funding earning assets | 0.6574% | 1,105 |
| Net interest margin | 3.8998% | 1,928 |
| Noninterest income to average assets | 1.0488% | 929 |
| Noninterest expense to average assets | 4.2898% | 380 |
| Loan and lease loss provision to assets | 0.0495% | 2,997 |
| Net operating income to assets | 0.2782% | 5,275 |
| Return on assets (ROA) | 0.2782% | 5,289 |
| Pretax return on assets | 0.2782% | 5,362 |
| Return on Equity (ROE) | 2.6514% | 5,206 |
| Retained earnings to average equity (ytd only) | 2.6514% | 4,115 |
| Net charge-offs to loans | -0.0127% | 4,615 |
| Credit loss provision to net charge-offs | -566.6667% | 4,702 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7350% | 372 |
| Assets per employee ($millions) | 3.3011% | 4,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2351% | 2,793 |
| Loan loss allowance to noncurrent loans | 145.7565% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 1.3632% | 1,167 |
| Noncurrent loans to loans | 0.8473% | 2,288 |
| Net loans and leases to total assets | 71.7660% | 2,241 |
| Net loans and leases to deposits | 98.9444% | 817 |
| Net loans and leases to core deposits | 101.1950% | 1,571 |
| Total domestic deposits to total assets | 72.5317% | 5,421 |
| Equity capital to assets | 11.0449% | 2,756 |
| Core capital (leverage) ratio | 10.1401% | 3,348 |
| Tier 1 risk-based capital ratio | 15.3630% | 2,774 |
| Total risk-based capital ratio | 16.6134% | 2,711 |
| Memoranda: | ||
| Average total assets | $137,303,670 | 3,703 |
| Average earning assets | $125,646,330 | 3,709 |
| Average equity | $14,407,670 | 3,835 |
| Average total loans | $94,193,670 | 3,494 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4906% | 1,394 |
| Cost of funding earning assets | 0.6357% | 1,155 |
| Net interest margin | 3.8549% | 1,938 |
| Noninterest income to average assets | 0.9862% | 1,032 |
| Noninterest expense to average assets | 4.2820% | 390 |
| Loan and lease loss provision to assets | 0.0572% | 2,661 |
| Net operating income to assets | 0.1658% | 5,437 |
| Return on assets (ROA) | 0.1658% | 5,449 |
| Pretax return on assets | 0.1658% | 5,468 |
| Return on Equity (ROE) | 1.6202% | 5,397 |
| Retained earnings to average equity (ytd only) | 1.6202% | 4,457 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8452% | 390 |
| Assets per employee ($millions) | 3.7151% | 4,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2223% | 2,993 |
| Loan loss allowance to noncurrent loans | 139.5210% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 1.2608% | 1,358 |
| Noncurrent loans to loans | 0.8761% | 2,283 |
| Net loans and leases to total assets | 66.6882% | 2,863 |
| Net loans and leases to deposits | 92.2883% | 1,299 |
| Net loans and leases to core deposits | 93.9722% | 1,987 |
| Total domestic deposits to total assets | 72.2607% | 5,528 |
| Equity capital to assets | 10.2121% | 3,500 |
| Core capital (leverage) ratio | 10.2801% | 3,141 |
| Tier 1 risk-based capital ratio | 14.5241% | 3,183 |
| Total risk-based capital ratio | 15.7293% | 3,143 |
| Memoranda: | ||
| Average total assets | $139,934,000 | 3,693 |
| Average earning assets | $127,732,500 | 3,706 |
| Average equity | $14,319,500 | 3,871 |
| Average total loans | $93,317,000 | 3,529 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6297% | 1,211 |
| Cost of funding earning assets | 0.6674% | 967 |
| Net interest margin | 3.9623% | 1,751 |
| Noninterest income to average assets | 1.0004% | 1,143 |
| Noninterest expense to average assets | 4.4440% | 401 |
| Loan and lease loss provision to assets | 0.0107% | 4,160 |
| Net operating income to assets | 0.2344% | 5,342 |
| Return on assets (ROA) | 0.2622% | 5,365 |
| Pretax return on assets | 0.2622% | 5,414 |
| Return on Equity (ROE) | 2.5764% | 5,275 |
| Retained earnings to average equity (ytd only) | 2.5764% | 4,052 |
| Net charge-offs to loans | 0.0289% | 3,442 |
| Credit loss provision to net charge-offs | 57.6923% | 3,282 |
| Earnings coverage of net charge-offs (x) | 13.2308% | 2,382 |
| Efficiency ratio | 93.5420% | 402 |
| Assets per employee ($millions) | 3.3022% | 5,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2538% | 2,794 |
| Loan loss allowance to noncurrent loans | 201.2302% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 1.0916% | 1,718 |
| Noncurrent loans to loans | 0.6231% | 2,979 |
| Net loans and leases to total assets | 65.0191% | 3,214 |
| Net loans and leases to deposits | 87.2751% | 2,016 |
| Net loans and leases to core deposits | 88.6260% | 2,617 |
| Total domestic deposits to total assets | 74.4991% | 5,401 |
| Equity capital to assets | 10.2543% | 3,444 |
| Core capital (leverage) ratio | 10.3198% | 3,080 |
| Tier 1 risk-based capital ratio | 15.7974% | 2,635 |
| Total risk-based capital ratio | 17.0479% | 2,559 |
| Memoranda: | ||
| Average total assets | $140,346,600 | 3,670 |
| Average earning assets | $130,657,000 | 3,642 |
| Average equity | $14,283,600 | 3,910 |
| Average total loans | $89,954,200 | 3,579 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4113% | 1,828 |
| Cost of funding earning assets | 0.6759% | 922 |
| Net interest margin | 3.7354% | 2,574 |
| Noninterest income to average assets | 1.5260% | 527 |
| Noninterest expense to average assets | 4.9123% | 281 |
| Loan and lease loss provision to assets | 0.0095% | 4,050 |
| Net operating income to assets | 0.0853% | 5,641 |
| Return on assets (ROA) | 0.1222% | 5,651 |
| Pretax return on assets | 0.1222% | 5,652 |
| Return on Equity (ROE) | 1.2029% | 5,624 |
| Retained earnings to average equity (ytd only) | 1.2029% | 5,028 |
| Net charge-offs to loans | 0.0387% | 2,859 |
| Credit loss provision to net charge-offs | 38.4615% | 3,164 |
| Earnings coverage of net charge-offs (x) | 3.8457% | 3,353 |
| Efficiency ratio | 96.9353% | 290 |
| Assets per employee ($millions) | 3.2187% | 5,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2823% | 2,784 |
| Loan loss allowance to noncurrent loans | 169.1395% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 1.2324% | 1,599 |
| Noncurrent loans to loans | 0.7581% | 2,777 |
| Net loans and leases to total assets | 64.9226% | 3,279 |
| Net loans and leases to deposits | 88.7555% | 1,922 |
| Net loans and leases to core deposits | 90.1884% | 2,562 |
| Total domestic deposits to total assets | 73.1477% | 5,509 |
| Equity capital to assets | 10.6085% | 3,444 |
| Core capital (leverage) ratio | 9.9050% | 3,689 |
| Tier 1 risk-based capital ratio | 15.7361% | 2,734 |
| Total risk-based capital ratio | 16.9865% | 2,671 |
| Memoranda: | ||
| Average total assets | $140,760,000 | 3,682 |
| Average earning assets | $131,175,000 | 3,653 |
| Average equity | $14,299,000 | 3,938 |
| Average total loans | $89,612,250 | 3,603 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8371% | 3,821 |
| Cost of funding earning assets | 0.6735% | 928 |
| Net interest margin | 3.1636% | 4,661 |
| Noninterest income to average assets | 1.9450% | 346 |
| Noninterest expense to average assets | 4.5506% | 370 |
| Loan and lease loss provision to assets | 0.0140% | 3,828 |
| Net operating income to assets | 0.3380% | 5,216 |
| Return on assets (ROA) | 0.3927% | 5,136 |
| Pretax return on assets | 0.3927% | 5,354 |
| Return on Equity (ROE) | 3.9202% | 4,939 |
| Retained earnings to average equity (ytd only) | 3.9202% | 3,404 |
| Net charge-offs to loans | 0.0045% | 3,549 |
| Credit loss provision to net charge-offs | 500.0000% | 645 |
| Earnings coverage of net charge-offs (x) | 125.5000% | 473 |
| Efficiency ratio | 91.6190% | 516 |
| Assets per employee ($millions) | 3.4530% | 4,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2966% | 2,807 |
| Loan loss allowance to noncurrent loans | 194.9749% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 1.2220% | 1,685 |
| Noncurrent loans to loans | 0.6650% | 3,077 |
| Net loans and leases to total assets | 62.5898% | 3,555 |
| Net loans and leases to deposits | 88.5116% | 1,918 |
| Net loans and leases to core deposits | 90.4118% | 2,499 |
| Total domestic deposits to total assets | 70.7136% | 5,746 |
| Equity capital to assets | 10.2246% | 3,944 |
| Core capital (leverage) ratio | 9.6111% | 4,050 |
| Tier 1 risk-based capital ratio | 15.1040% | 3,033 |
| Total risk-based capital ratio | 16.3537% | 2,963 |
| Memoranda: | ||
| Average total assets | $142,618,670 | 3,660 |
| Average earning assets | $133,331,000 | 3,639 |
| Average equity | $14,285,000 | 3,958 |
| Average total loans | $89,848,000 | 3,617 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8676% | 3,703 |
| Cost of funding earning assets | 0.6491% | 1,059 |
| Net interest margin | 3.2185% | 4,520 |
| Noninterest income to average assets | 1.9030% | 364 |
| Noninterest expense to average assets | 4.3956% | 424 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5142% | 4,573 |
| Return on assets (ROA) | 0.5142% | 4,679 |
| Pretax return on assets | 0.5142% | 5,048 |
| Return on Equity (ROE) | 5.1868% | 4,405 |
| Retained earnings to average equity (ytd only) | 5.1868% | 2,829 |
| Net charge-offs to loans | 0.0089% | 2,825 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 92.0000% | 569 |
| Efficiency ratio | 88.3324% | 785 |
| Assets per employee ($millions) | 3.6296% | 4,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3109% | 2,847 |
| Loan loss allowance to noncurrent loans | 35.7608% | 5,172 |
| Noncurrent assets plus other real estate owned to assets | 2.9392% | 436 |
| Noncurrent loans to loans | 3.6657% | 355 |
| Net loans and leases to total assets | 58.3803% | 4,003 |
| Net loans and leases to deposits | 85.7064% | 2,088 |
| Net loans and leases to core deposits | 87.5178% | 2,611 |
| Total domestic deposits to total assets | 68.1166% | 5,921 |
| Equity capital to assets | 9.6288% | 4,536 |
| Core capital (leverage) ratio | 9.5392% | 4,116 |
| Tier 1 risk-based capital ratio | 15.3434% | 2,999 |
| Total risk-based capital ratio | 16.5931% | 2,941 |
| Memoranda: | ||
| Average total assets | $143,142,500 | 3,683 |
| Average earning assets | $133,728,000 | 3,657 |
| Average equity | $14,190,000 | 3,985 |
| Average total loans | $89,885,500 | 3,622 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0714% | 3,026 |
| Cost of funding earning assets | 0.6409% | 1,122 |
| Net interest margin | 3.4305% | 3,794 |
| Noninterest income to average assets | 1.5559% | 516 |
| Noninterest expense to average assets | 4.3543% | 458 |
| Loan and lease loss provision to assets | 0.4782% | 245 |
| Net operating income to assets | -0.0397% | 5,891 |
| Return on assets (ROA) | -0.0228% | 5,905 |
| Pretax return on assets | -0.0228% | 5,898 |
| Return on Equity (ROE) | -0.2241% | 5,905 |
| Retained earnings to average equity (ytd only) | -0.2241% | 5,542 |
| Net charge-offs to loans | 0.2232% | 1,326 |
| Credit loss provision to net charge-offs | 333.3333% | 897 |
| Earnings coverage of net charge-offs (x) | 3.0564% | 3,784 |
| Efficiency ratio | 89.4705% | 721 |
| Assets per employee ($millions) | 3.6177% | 4,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2601% | 3,111 |
| Loan loss allowance to noncurrent loans | 62.7920% | 4,576 |
| Noncurrent assets plus other real estate owned to assets | 2.1685% | 783 |
| Noncurrent loans to loans | 2.0068% | 1,039 |
| Net loans and leases to total assets | 65.8924% | 2,995 |
| Net loans and leases to deposits | 94.5493% | 1,149 |
| Net loans and leases to core deposits | 96.6899% | 1,777 |
| Total domestic deposits to total assets | 69.6911% | 5,905 |
| Equity capital to assets | 10.2211% | 3,715 |
| Core capital (leverage) ratio | 10.2880% | 3,167 |
| Tier 1 risk-based capital ratio | 15.4603% | 2,949 |
| Total risk-based capital ratio | 16.7108% | 2,889 |
| Memoranda: | ||
| Average total assets | $135,933,400 | 3,789 |
| Average earning assets | $128,260,200 | 3,738 |
| Average equity | $13,831,000 | 4,005 |
| Average total loans | $87,365,800 | 3,644 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1187% | 2,860 |
| Cost of funding earning assets | 0.6546% | 1,067 |
| Net interest margin | 3.4641% | 3,700 |
| Noninterest income to average assets | 1.6515% | 473 |
| Noninterest expense to average assets | 4.4204% | 430 |
| Loan and lease loss provision to assets | 0.6394% | 133 |
| Net operating income to assets | -0.1446% | 6,025 |
| Return on assets (ROA) | -0.1151% | 6,034 |
| Pretax return on assets | -0.1151% | 6,018 |
| Return on Equity (ROE) | -1.1324% | 6,032 |
| Retained earnings to average equity (ytd only) | -1.1324% | 5,770 |
| Net charge-offs to loans | 0.2874% | 922 |
| Credit loss provision to net charge-offs | 349.4624% | 841 |
| Earnings coverage of net charge-offs (x) | 2.7043% | 3,615 |
| Efficiency ratio | 88.5531% | 794 |
| Assets per employee ($millions) | 3.0904% | 5,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2767% | 3,224 |
| Loan loss allowance to noncurrent loans | 72.2705% | 4,361 |
| Noncurrent assets plus other real estate owned to assets | 2.0837% | 956 |
| Noncurrent loans to loans | 1.7666% | 1,348 |
| Net loans and leases to total assets | 67.7914% | 2,708 |
| Net loans and leases to deposits | 97.5812% | 854 |
| Net loans and leases to core deposits | 99.8681% | 1,530 |
| Total domestic deposits to total assets | 69.4718% | 5,992 |
| Equity capital to assets | 10.6030% | 3,470 |
| Core capital (leverage) ratio | 10.0527% | 3,553 |
| Tier 1 risk-based capital ratio | 15.7257% | 2,935 |
| Total risk-based capital ratio | 16.9769% | 2,868 |
| Memoranda: | ||
| Average total assets | $135,549,000 | 3,833 |
| Average earning assets | $127,705,500 | 3,783 |
| Average equity | $13,776,000 | 4,059 |
| Average total loans | $86,272,500 | 3,710 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1176% | 2,835 |
| Cost of funding earning assets | 0.6572% | 1,065 |
| Net interest margin | 3.4604% | 3,659 |
| Noninterest income to average assets | 1.1463% | 911 |
| Noninterest expense to average assets | 4.2393% | 523 |
| Loan and lease loss provision to assets | 0.8429% | 92 |
| Net operating income to assets | -0.6787% | 6,220 |
| Return on assets (ROA) | -0.6699% | 6,226 |
| Pretax return on assets | -0.6699% | 6,213 |
| Return on Equity (ROE) | -6.6855% | 6,215 |
| Retained earnings to average equity (ytd only) | -6.6855% | 6,077 |
| Net charge-offs to loans | 0.3262% | 809 |
| Credit loss provision to net charge-offs | 416.6667% | 722 |
| Earnings coverage of net charge-offs (x) | 0.8116% | 3,618 |
| Efficiency ratio | 94.7403% | 491 |
| Assets per employee ($millions) | 3.6808% | 4,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2579% | 3,470 |
| Loan loss allowance to noncurrent loans | 42.3206% | 5,204 |
| Noncurrent assets plus other real estate owned to assets | 1.9745% | 1,124 |
| Noncurrent loans to loans | 2.9722% | 671 |
| Net loans and leases to total assets | 65.5954% | 3,022 |
| Net loans and leases to deposits | 91.9707% | 1,382 |
| Net loans and leases to core deposits | 96.5126% | 1,756 |
| Total domestic deposits to total assets | 71.3220% | 5,969 |
| Equity capital to assets | 10.0449% | 3,986 |
| Core capital (leverage) ratio | 9.6056% | 4,131 |
| Tier 1 risk-based capital ratio | 13.6006% | 4,162 |
| Total risk-based capital ratio | 14.7829% | 4,133 |
| Memoranda: | ||
| Average total assets | $136,436,330 | 3,844 |
| Average earning assets | $128,424,000 | 3,789 |
| Average equity | $13,671,330 | 4,099 |
| Average total loans | $84,613,000 | 3,762 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4016% | 1,762 |
| Cost of funding earning assets | 0.6604% | 1,046 |
| Net interest margin | 3.7412% | 2,463 |
| Noninterest income to average assets | 0.9520% | 1,228 |
| Noninterest expense to average assets | 4.3819% | 467 |
| Loan and lease loss provision to assets | 1.3767% | 46 |
| Net operating income to assets | -1.2888% | 6,339 |
| Return on assets (ROA) | -1.2800% | 6,341 |
| Pretax return on assets | -1.2800% | 6,333 |
| Return on Equity (ROE) | -12.7899% | 6,332 |
| Retained earnings to average equity (ytd only) | -12.7899% | 6,191 |
| Net charge-offs to loans | 0.7003% | 341 |
| Credit loss provision to net charge-offs | 328.6713% | 762 |
| Earnings coverage of net charge-offs (x) | 0.2098% | 3,084 |
| Efficiency ratio | 96.5269% | 484 |
| Assets per employee ($millions) | 3.6173% | 4,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2673% | 3,593 |
| Loan loss allowance to noncurrent loans | 41.3516% | 5,263 |
| Noncurrent assets plus other real estate owned to assets | 1.8085% | 1,355 |
| Noncurrent loans to loans | 3.0648% | 691 |
| Net loans and leases to total assets | 58.2625% | 3,905 |
| Net loans and leases to deposits | 81.3289% | 2,402 |
| Net loans and leases to core deposits | 85.2751% | 2,619 |
| Total domestic deposits to total assets | 71.6381% | 6,052 |
| Equity capital to assets | 10.0597% | 4,080 |
| Core capital (leverage) ratio | 9.6586% | 4,061 |
| Tier 1 risk-based capital ratio | 14.6574% | 3,621 |
| Total risk-based capital ratio | 15.8081% | 3,614 |
| Memoranda: | ||
| Average total assets | $136,560,500 | 3,870 |
| Average earning assets | $128,409,000 | 3,822 |
| Average equity | $13,667,000 | 4,128 |
| Average total loans | $81,684,000 | 3,837 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9669% | 3,848 |
| Cost of funding earning assets | 0.7059% | 1,069 |
| Net interest margin | 3.2610% | 4,714 |
| Noninterest income to average assets | 0.8153% | 1,810 |
| Noninterest expense to average assets | 3.8959% | 864 |
| Loan and lease loss provision to assets | 0.0159% | 4,287 |
| Net operating income to assets | -0.0444% | 6,120 |
| Return on assets (ROA) | 0.0079% | 6,103 |
| Pretax return on assets | 0.0079% | 6,088 |
| Return on Equity (ROE) | 0.0754% | 6,103 |
| Retained earnings to average equity (ytd only) | 0.0754% | 5,734 |
| Net charge-offs to loans | 0.0585% | 3,669 |
| Credit loss provision to net charge-offs | 52.6316% | 3,426 |
| Earnings coverage of net charge-offs (x) | -0.9474% | 4,797 |
| Efficiency ratio | 99.7334% | 371 |
| Assets per employee ($millions) | 3.4785% | 4,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8522% | 5,629 |
| Loan loss allowance to noncurrent loans | 31.7195% | 5,609 |
| Noncurrent assets plus other real estate owned to assets | 1.7005% | 1,570 |
| Noncurrent loans to loans | 2.6868% | 905 |
| Net loans and leases to total assets | 60.1141% | 3,777 |
| Net loans and leases to deposits | 83.9505% | 2,224 |
| Net loans and leases to core deposits | 87.8329% | 2,520 |
| Total domestic deposits to total assets | 71.6066% | 6,112 |
| Equity capital to assets | 9.9556% | 4,173 |
| Core capital (leverage) ratio | 9.5864% | 4,123 |
| Tier 1 risk-based capital ratio | 14.7489% | 3,632 |
| Total risk-based capital ratio | 15.5471% | 3,828 |
| Memoranda: | ||
| Average total assets | $126,081,200 | 4,061 |
| Average earning assets | $118,002,200 | 4,008 |
| Average equity | $13,261,600 | 4,143 |
| Average total loans | $65,000,800 | 4,332 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9360% | 4,029 |
| Cost of funding earning assets | 0.7110% | 1,101 |
| Net interest margin | 3.2250% | 4,878 |
| Noninterest income to average assets | 0.6910% | 2,376 |
| Noninterest expense to average assets | 3.8990% | 844 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.1962% | 6,263 |
| Return on assets (ROA) | -0.1520% | 6,257 |
| Pretax return on assets | -0.1520% | 6,234 |
| Return on Equity (ROE) | -1.4242% | 6,258 |
| Retained earnings to average equity (ytd only) | -1.4242% | 6,022 |
| Net charge-offs to loans | 0.0835% | 3,009 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -4.7890% | 4,606 |
| Efficiency ratio | 104.1921% | 290 |
| Assets per employee ($millions) | 3.6953% | 4,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9430% | 5,456 |
| Loan loss allowance to noncurrent loans | 28.7221% | 5,763 |
| Noncurrent assets plus other real estate owned to assets | 1.8071% | 1,640 |
| Noncurrent loans to loans | 3.2833% | 763 |
| Net loans and leases to total assets | 53.7721% | 4,601 |
| Net loans and leases to deposits | 76.3458% | 3,142 |
| Net loans and leases to core deposits | 80.0020% | 3,313 |
| Total domestic deposits to total assets | 70.4322% | 6,264 |
| Equity capital to assets | 9.9654% | 4,207 |
| Core capital (leverage) ratio | 9.6462% | 4,160 |
| Tier 1 risk-based capital ratio | 16.1220% | 3,003 |
| Total risk-based capital ratio | 16.9806% | 3,133 |
| Memoranda: | ||
| Average total assets | $123,686,000 | 4,144 |
| Average earning assets | $115,511,000 | 4,103 |
| Average equity | $13,200,500 | 4,180 |
| Average total loans | $60,687,750 | 4,510 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8828% | 4,211 |
| Cost of funding earning assets | 0.7267% | 1,041 |
| Net interest margin | 3.1562% | 5,073 |
| Noninterest income to average assets | 0.6220% | 2,698 |
| Noninterest expense to average assets | 3.9412% | 814 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.3799% | 6,402 |
| Return on assets (ROA) | -0.3118% | 6,384 |
| Pretax return on assets | -0.3118% | 6,369 |
| Return on Equity (ROE) | -2.8524% | 6,373 |
| Retained earnings to average equity (ytd only) | -2.8524% | 6,085 |
| Net charge-offs to loans | 0.1372% | 2,295 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -5.8718% | 4,296 |
| Efficiency ratio | 109.4551% | 240 |
| Assets per employee ($millions) | 3.4956% | 4,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1699% | 4,567 |
| Loan loss allowance to noncurrent loans | 26.3260% | 5,868 |
| Noncurrent assets plus other real estate owned to assets | 2.1382% | 1,443 |
| Noncurrent loans to loans | 4.4439% | 502 |
| Net loans and leases to total assets | 46.9525% | 5,273 |
| Net loans and leases to deposits | 60.7738% | 4,806 |
| Net loans and leases to core deposits | 63.6485% | 4,843 |
| Total domestic deposits to total assets | 77.2578% | 5,768 |
| Equity capital to assets | 10.8889% | 2,993 |
| Core capital (leverage) ratio | 10.4549% | 3,001 |
| Tier 1 risk-based capital ratio | 18.8844% | 1,951 |
| Total risk-based capital ratio | 19.8932% | 1,981 |
| Memoranda: | ||
| Average total assets | $120,571,330 | 4,225 |
| Average earning assets | $112,288,670 | 4,180 |
| Average equity | $13,181,670 | 4,191 |
| Average total loans | $56,845,670 | 4,664 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8184% | 4,410 |
| Cost of funding earning assets | 0.7285% | 1,082 |
| Net interest margin | 3.0899% | 5,289 |
| Noninterest income to average assets | 0.1571% | 6,025 |
| Noninterest expense to average assets | 3.9003% | 861 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.8656% | 6,554 |
| Return on assets (ROA) | -0.7286% | 6,527 |
| Pretax return on assets | -0.7286% | 6,513 |
| Return on Equity (ROE) | -6.6507% | 6,506 |
| Retained earnings to average equity (ytd only) | -6.6507% | 6,221 |
| Net charge-offs to loans | 0.2775% | 1,235 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -6.6410% | 3,586 |
| Efficiency ratio | 127.0925% | 138 |
| Assets per employee ($millions) | 3.4781% | 4,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2086% | 4,595 |
| Loan loss allowance to noncurrent loans | 50.9363% | 5,167 |
| Noncurrent assets plus other real estate owned to assets | 1.1238% | 3,007 |
| Noncurrent loans to loans | 2.3728% | 1,484 |
| Net loans and leases to total assets | 45.6593% | 5,363 |
| Net loans and leases to deposits | 58.3550% | 4,903 |
| Net loans and leases to core deposits | 61.0858% | 4,956 |
| Total domestic deposits to total assets | 78.2440% | 5,795 |
| Equity capital to assets | 10.6997% | 3,041 |
| Core capital (leverage) ratio | 10.4504% | 2,989 |
| Tier 1 risk-based capital ratio | 19.6798% | 1,796 |
| Total risk-based capital ratio | 20.7347% | 1,809 |
| Memoranda: | ||
| Average total assets | $119,684,500 | 4,283 |
| Average earning assets | $111,460,500 | 4,232 |
| Average equity | $13,111,500 | 4,215 |
| Average total loans | $56,206,500 | 4,719 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4298% | 2,472 |
| Cost of funding earning assets | 0.7832% | 1,300 |
| Net interest margin | 3.6466% | 3,255 |
| Noninterest income to average assets | 1.0150% | 1,361 |
| Noninterest expense to average assets | 4.3053% | 631 |
| Loan and lease loss provision to assets | -0.0508% | 6,385 |
| Net operating income to assets | 0.1498% | 5,942 |
| Return on assets (ROA) | 0.1854% | 5,931 |
| Pretax return on assets | 0.1854% | 5,970 |
| Return on Equity (ROE) | 1.6091% | 5,956 |
| Retained earnings to average equity (ytd only) | 1.6091% | 5,069 |
| Net charge-offs to loans | -0.0442% | 6,305 |
| Credit loss provision to net charge-offs | 240.0000% | 955 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6366% | 607 |
| Assets per employee ($millions) | 3.0957% | 5,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2805% | 4,238 |
| Loan loss allowance to noncurrent loans | 57.0635% | 4,972 |
| Noncurrent assets plus other real estate owned to assets | 1.9858% | 1,810 |
| Noncurrent loans to loans | 2.2439% | 1,730 |
| Net loans and leases to total assets | 47.1212% | 5,375 |
| Net loans and leases to deposits | 60.4111% | 4,907 |
| Net loans and leases to core deposits | 63.1581% | 4,957 |
| Total domestic deposits to total assets | 78.0010% | 5,826 |
| Equity capital to assets | 11.2193% | 2,412 |
| Core capital (leverage) ratio | 10.9870% | 2,397 |
| Tier 1 risk-based capital ratio | 20.7785% | 1,468 |
| Total risk-based capital ratio | 21.9375% | 1,464 |
| Memoranda: | ||
| Average total assets | $118,133,000 | 4,310 |
| Average earning assets | $109,801,800 | 4,267 |
| Average equity | $13,610,400 | 4,144 |
| Average total loans | $56,563,000 | 4,728 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5848% | 1,952 |
| Cost of funding earning assets | 0.7860% | 1,404 |
| Net interest margin | 3.7988% | 2,644 |
| Noninterest income to average assets | 1.0328% | 1,367 |
| Noninterest expense to average assets | 4.5268% | 506 |
| Loan and lease loss provision to assets | -0.0676% | 6,574 |
| Net operating income to assets | 0.1049% | 6,129 |
| Return on assets (ROA) | 0.1105% | 6,185 |
| Pretax return on assets | 0.1105% | 6,202 |
| Return on Equity (ROE) | 0.9528% | 6,191 |
| Retained earnings to average equity (ytd only) | 0.9528% | 5,600 |
| Net charge-offs to loans | -0.0494% | 6,304 |
| Credit loss provision to net charge-offs | 285.7143% | 886 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0731% | 526 |
| Assets per employee ($millions) | 3.1769% | 5,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2631% | 4,580 |
| Loan loss allowance to noncurrent loans | 53.1599% | 5,094 |
| Noncurrent assets plus other real estate owned to assets | 2.1169% | 1,886 |
| Noncurrent loans to loans | 2.3761% | 1,851 |
| Net loans and leases to total assets | 48.8699% | 5,260 |
| Net loans and leases to deposits | 63.6079% | 4,558 |
| Net loans and leases to core deposits | 66.6265% | 4,657 |
| Total domestic deposits to total assets | 76.8299% | 6,072 |
| Equity capital to assets | 11.6161% | 2,204 |
| Core capital (leverage) ratio | 11.2054% | 2,295 |
| Tier 1 risk-based capital ratio | 20.7162% | 1,554 |
| Total risk-based capital ratio | 21.8774% | 1,546 |
| Memoranda: | ||
| Average total assets | $118,257,000 | 4,352 |
| Average earning assets | $109,926,500 | 4,306 |
| Average equity | $13,713,500 | 4,175 |
| Average total loans | $56,666,000 | 4,770 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6341% | 1,743 |
| Cost of funding earning assets | 0.7834% | 1,509 |
| Net interest margin | 3.8506% | 2,374 |
| Noninterest income to average assets | 1.0472% | 1,389 |
| Noninterest expense to average assets | 4.4850% | 533 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1472% | 6,031 |
| Return on assets (ROA) | 0.1556% | 6,126 |
| Pretax return on assets | 0.1556% | 6,150 |
| Return on Equity (ROE) | 1.3423% | 6,136 |
| Retained earnings to average equity (ytd only) | 1.3423% | 5,353 |
| Net charge-offs to loans | -0.0529% | 6,289 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7385% | 669 |
| Assets per employee ($millions) | 3.6569% | 4,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3515% | 4,263 |
| Loan loss allowance to noncurrent loans | 62.5712% | 4,680 |
| Noncurrent assets plus other real estate owned to assets | 1.9697% | 2,190 |
| Noncurrent loans to loans | 2.1599% | 2,223 |
| Net loans and leases to total assets | 47.9670% | 5,333 |
| Net loans and leases to deposits | 62.0435% | 4,735 |
| Net loans and leases to core deposits | 64.8910% | 4,801 |
| Total domestic deposits to total assets | 77.3120% | 6,085 |
| Equity capital to assets | 11.3782% | 2,402 |
| Core capital (leverage) ratio | 10.9391% | 2,420 |
| Tier 1 risk-based capital ratio | 20.4587% | 1,617 |
| Total risk-based capital ratio | 21.6938% | 1,593 |
| Memoranda: | ||
| Average total assets | $119,553,670 | 4,360 |
| Average earning assets | $111,306,330 | 4,305 |
| Average equity | $13,856,330 | 4,175 |
| Average total loans | $56,686,000 | 4,799 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8544% | 1,192 |
| Cost of funding earning assets | 0.7777% | 1,655 |
| Net interest margin | 4.0767% | 1,534 |
| Noninterest income to average assets | 0.9899% | 1,490 |
| Noninterest expense to average assets | 4.4562% | 555 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3344% | 5,425 |
| Return on assets (ROA) | 0.3344% | 5,562 |
| Pretax return on assets | 0.3344% | 5,763 |
| Return on Equity (ROE) | 2.8598% | 5,637 |
| Retained earnings to average equity (ytd only) | 2.8598% | 4,563 |
| Net charge-offs to loans | 0.0848% | 2,995 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 8.4167% | 1,948 |
| Efficiency ratio | 91.9143% | 993 |
| Assets per employee ($millions) | 3.4063% | 5,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3159% | 4,613 |
| Loan loss allowance to noncurrent loans | 50.7861% | 5,130 |
| Noncurrent assets plus other real estate owned to assets | 2.1297% | 2,206 |
| Noncurrent loans to loans | 2.5911% | 1,993 |
| Net loans and leases to total assets | 46.7371% | 5,361 |
| Net loans and leases to deposits | 60.0050% | 4,794 |
| Net loans and leases to core deposits | 62.6779% | 4,888 |
| Total domestic deposits to total assets | 77.8888% | 6,125 |
| Equity capital to assets | 11.8663% | 2,132 |
| Core capital (leverage) ratio | 10.8062% | 2,451 |
| Tier 1 risk-based capital ratio | 20.2862% | 1,704 |
| Total risk-based capital ratio | 21.4702% | 1,690 |
| Memoranda: | ||
| Average total assets | $120,819,500 | 4,381 |
| Average earning assets | $112,641,000 | 4,317 |
| Average equity | $14,127,000 | 4,173 |
| Average total loans | $56,578,500 | 4,836 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3770% | 3,919 |
| Cost of funding earning assets | 0.9282% | 1,769 |
| Net interest margin | 3.4488% | 4,707 |
| Noninterest income to average assets | 1.1379% | 1,206 |
| Noninterest expense to average assets | 4.1617% | 814 |
| Loan and lease loss provision to assets | 0.1798% | 3,377 |
| Net operating income to assets | -0.0437% | 6,230 |
| Return on assets (ROA) | 0.1261% | 6,100 |
| Pretax return on assets | 0.1261% | 6,109 |
| Return on Equity (ROE) | 1.0782% | 6,119 |
| Retained earnings to average equity (ytd only) | 1.0782% | 5,333 |
| Net charge-offs to loans | 0.3628% | 2,818 |
| Credit loss provision to net charge-offs | 104.3902% | 2,863 |
| Earnings coverage of net charge-offs (x) | 0.7902% | 5,080 |
| Efficiency ratio | 95.5221% | 728 |
| Assets per employee ($millions) | 3.4977% | 5,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3299% | 4,498 |
| Loan loss allowance to noncurrent loans | 47.1250% | 5,274 |
| Noncurrent assets plus other real estate owned to assets | 2.2227% | 2,205 |
| Noncurrent loans to loans | 2.8222% | 1,868 |
| Net loans and leases to total assets | 45.6955% | 5,646 |
| Net loans and leases to deposits | 58.2126% | 5,217 |
| Net loans and leases to core deposits | 60.7106% | 5,296 |
| Total domestic deposits to total assets | 78.4976% | 5,991 |
| Equity capital to assets | 11.5235% | 2,423 |
| Core capital (leverage) ratio | 10.4312% | 2,848 |
| Tier 1 risk-based capital ratio | 20.6283% | 1,540 |
| Total risk-based capital ratio | 21.8614% | 1,514 |
| Memoranda: | ||
| Average total assets | $118,990,000 | 4,381 |
| Average earning assets | $109,023,400 | 4,366 |
| Average equity | $13,912,400 | 4,178 |
| Average total loans | $56,504,800 | 4,851 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5100% | 3,597 |
| Cost of funding earning assets | 0.9721% | 1,728 |
| Net interest margin | 3.5379% | 4,495 |
| Noninterest income to average assets | 1.1569% | 1,139 |
| Noninterest expense to average assets | 4.3126% | 654 |
| Loan and lease loss provision to assets | 0.2032% | 3,048 |
| Net operating income to assets | -0.1343% | 6,441 |
| Return on assets (ROA) | 0.0824% | 6,296 |
| Pretax return on assets | 0.0824% | 6,293 |
| Return on Equity (ROE) | 0.7020% | 6,305 |
| Retained earnings to average equity (ytd only) | 0.7020% | 5,873 |
| Net charge-offs to loans | 0.4534% | 2,293 |
| Credit loss provision to net charge-offs | 93.7500% | 3,184 |
| Earnings coverage of net charge-offs (x) | 0.3177% | 5,168 |
| Efficiency ratio | 97.0891% | 633 |
| Assets per employee ($millions) | 3.3287% | 5,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3373% | 4,641 |
| Loan loss allowance to noncurrent loans | 47.4434% | 5,256 |
| Noncurrent assets plus other real estate owned to assets | 2.2497% | 2,371 |
| Noncurrent loans to loans | 2.8187% | 2,000 |
| Net loans and leases to total assets | 46.4185% | 5,719 |
| Net loans and leases to deposits | 60.1660% | 5,189 |
| Net loans and leases to core deposits | 64.8103% | 5,069 |
| Total domestic deposits to total assets | 77.1508% | 6,210 |
| Equity capital to assets | 12.1430% | 2,155 |
| Core capital (leverage) ratio | 10.9003% | 2,488 |
| Tier 1 risk-based capital ratio | 21.2728% | 1,462 |
| Total risk-based capital ratio | 22.5180% | 1,435 |
| Memoranda: | ||
| Average total assets | $118,132,750 | 4,443 |
| Average earning assets | $107,670,000 | 4,448 |
| Average equity | $13,863,750 | 4,223 |
| Average total loans | $56,457,500 | 4,905 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5515% | 3,556 |
| Cost of funding earning assets | 1.0005% | 1,759 |
| Net interest margin | 3.5510% | 4,460 |
| Noninterest income to average assets | 1.0870% | 1,209 |
| Noninterest expense to average assets | 4.2469% | 690 |
| Loan and lease loss provision to assets | 0.2022% | 3,056 |
| Net operating income to assets | -0.1382% | 6,474 |
| Return on assets (ROA) | 0.1770% | 6,159 |
| Pretax return on assets | 0.1770% | 6,182 |
| Return on Equity (ROE) | 1.5251% | 6,188 |
| Retained earnings to average equity (ytd only) | 1.5251% | 5,445 |
| Net charge-offs to loans | 0.4280% | 2,328 |
| Credit loss provision to net charge-offs | 98.3607% | 2,819 |
| Earnings coverage of net charge-offs (x) | 0.3115% | 4,922 |
| Efficiency ratio | 97.1462% | 650 |
| Assets per employee ($millions) | 3.3647% | 5,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3077% | 4,857 |
| Loan loss allowance to noncurrent loans | 30.1053% | 6,153 |
| Noncurrent assets plus other real estate owned to assets | 2.2689% | 2,468 |
| Noncurrent loans to loans | 4.3436% | 1,238 |
| Net loans and leases to total assets | 47.6173% | 5,652 |
| Net loans and leases to deposits | 61.6335% | 5,048 |
| Net loans and leases to core deposits | 65.9159% | 5,015 |
| Total domestic deposits to total assets | 77.2588% | 6,288 |
| Equity capital to assets | 11.7481% | 2,367 |
| Core capital (leverage) ratio | 10.7637% | 2,522 |
| Tier 1 risk-based capital ratio | 18.8251% | 2,019 |
| Total risk-based capital ratio | 19.9408% | 2,029 |
| Memoranda: | ||
| Average total assets | $118,676,000 | 4,450 |
| Average earning assets | $107,745,330 | 4,467 |
| Average equity | $13,769,330 | 4,240 |
| Average total loans | $57,006,000 | 4,915 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5758% | 3,616 |
| Cost of funding earning assets | 1.0095% | 1,923 |
| Net interest margin | 3.5663% | 4,413 |
| Noninterest income to average assets | 1.0744% | 1,252 |
| Noninterest expense to average assets | 4.3380% | 634 |
| Loan and lease loss provision to assets | 0.2015% | 2,926 |
| Net operating income to assets | -0.2149% | 6,652 |
| Return on assets (ROA) | 0.3962% | 5,461 |
| Pretax return on assets | 0.3962% | 5,737 |
| Return on Equity (ROE) | 3.4361% | 5,539 |
| Retained earnings to average equity (ytd only) | 3.4361% | 4,515 |
| Net charge-offs to loans | 0.1751% | 3,045 |
| Credit loss provision to net charge-offs | 240.0000% | 1,181 |
| Earnings coverage of net charge-offs (x) | -0.1600% | 4,421 |
| Efficiency ratio | 98.9130% | 594 |
| Assets per employee ($millions) | 3.3857% | 5,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3642% | 4,751 |
| Loan loss allowance to noncurrent loans | 22.7140% | 6,464 |
| Noncurrent assets plus other real estate owned to assets | 3.3258% | 1,735 |
| Noncurrent loans to loans | 6.0058% | 838 |
| Net loans and leases to total assets | 47.5937% | 5,612 |
| Net loans and leases to deposits | 61.4344% | 4,995 |
| Net loans and leases to core deposits | 65.4618% | 4,975 |
| Total domestic deposits to total assets | 77.4707% | 6,344 |
| Equity capital to assets | 11.6550% | 2,297 |
| Core capital (leverage) ratio | 10.6933% | 2,550 |
| Tier 1 risk-based capital ratio | 16.7471% | 2,786 |
| Total risk-based capital ratio | 17.7891% | 2,858 |
| Memoranda: | ||
| Average total assets | $119,132,000 | 4,470 |
| Average earning assets | $108,571,500 | 4,467 |
| Average equity | $13,736,500 | 4,249 |
| Average total loans | $57,099,500 | 4,938 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4538% | 1,282 |
| Cost of funding earning assets | 1.2193% | 1,903 |
| Net interest margin | 4.2345% | 1,945 |
| Noninterest income to average assets | 1.7544% | 464 |
| Noninterest expense to average assets | 5.4126% | 276 |
| Loan and lease loss provision to assets | 0.5982% | 1,727 |
| Net operating income to assets | -0.3689% | 6,395 |
| Return on assets (ROA) | -0.3624% | 6,437 |
| Pretax return on assets | -0.3624% | 6,393 |
| Return on Equity (ROE) | -2.9162% | 6,404 |
| Retained earnings to average equity (ytd only) | -2.9162% | 6,261 |
| Net charge-offs to loans | 0.7040% | 2,397 |
| Credit loss provision to net charge-offs | 169.7917% | 1,586 |
| Earnings coverage of net charge-offs (x) | 0.6510% | 5,333 |
| Efficiency ratio | 95.6416% | 839 |
| Assets per employee ($millions) | 3.4219% | 5,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1890% | 5,446 |
| Loan loss allowance to noncurrent loans | 25.9571% | 6,396 |
| Noncurrent assets plus other real estate owned to assets | 2.6535% | 2,294 |
| Noncurrent loans to loans | 4.5808% | 1,302 |
| Net loans and leases to total assets | 47.0446% | 5,917 |
| Net loans and leases to deposits | 60.6249% | 5,422 |
| Net loans and leases to core deposits | 64.3633% | 5,431 |
| Total domestic deposits to total assets | 77.5995% | 6,260 |
| Equity capital to assets | 11.4073% | 2,590 |
| Core capital (leverage) ratio | 10.4641% | 2,766 |
| Tier 1 risk-based capital ratio | 19.6140% | 1,727 |
| Total risk-based capital ratio | 20.6865% | 1,752 |
| Memoranda: | ||
| Average total assets | $108,985,800 | 4,667 |
| Average earning assets | $100,059,200 | 4,639 |
| Average equity | $13,545,000 | 4,229 |
| Average total loans | $54,543,800 | 5,089 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6802% | 878 |
| Cost of funding earning assets | 1.2642% | 1,907 |
| Net interest margin | 4.4160% | 1,363 |
| Noninterest income to average assets | 1.9945% | 377 |
| Noninterest expense to average assets | 5.6748% | 238 |
| Loan and lease loss provision to assets | 0.6924% | 1,396 |
| Net operating income to assets | -0.3023% | 6,499 |
| Return on assets (ROA) | -0.3011% | 6,557 |
| Pretax return on assets | -0.3011% | 6,495 |
| Return on Equity (ROE) | -2.3675% | 6,512 |
| Retained earnings to average equity (ytd only) | -2.3675% | 6,341 |
| Net charge-offs to loans | 0.7343% | 2,092 |
| Credit loss provision to net charge-offs | 185.8586% | 1,579 |
| Earnings coverage of net charge-offs (x) | 1.0471% | 4,847 |
| Efficiency ratio | 93.5677% | 942 |
| Assets per employee ($millions) | 3.3854% | 5,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1092% | 5,853 |
| Loan loss allowance to noncurrent loans | 37.2758% | 5,795 |
| Noncurrent assets plus other real estate owned to assets | 1.9824% | 3,160 |
| Noncurrent loans to loans | 2.9757% | 2,328 |
| Net loans and leases to total assets | 50.0363% | 5,697 |
| Net loans and leases to deposits | 65.5688% | 4,962 |
| Net loans and leases to core deposits | 69.4019% | 5,017 |
| Total domestic deposits to total assets | 76.3111% | 6,487 |
| Equity capital to assets | 11.6972% | 2,501 |
| Core capital (leverage) ratio | 10.7004% | 2,663 |
| Tier 1 risk-based capital ratio | 19.7888% | 1,739 |
| Total risk-based capital ratio | 20.8385% | 1,758 |
| Memoranda: | ||
| Average total assets | $106,291,000 | 4,754 |
| Average earning assets | $97,974,750 | 4,721 |
| Average equity | $13,515,750 | 4,236 |
| Average total loans | $53,924,500 | 5,163 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0599% | 420 |
| Cost of funding earning assets | 1.3256% | 1,796 |
| Net interest margin | 4.7343% | 681 |
| Noninterest income to average assets | 2.2989% | 300 |
| Noninterest expense to average assets | 6.1335% | 185 |
| Loan and lease loss provision to assets | 0.8843% | 1,010 |
| Net operating income to assets | -0.3659% | 6,588 |
| Return on assets (ROA) | -0.3659% | 6,619 |
| Pretax return on assets | -0.3659% | 6,574 |
| Return on Equity (ROE) | -2.7908% | 6,575 |
| Retained earnings to average equity (ytd only) | -2.7908% | 6,351 |
| Net charge-offs to loans | 1.0248% | 1,541 |
| Credit loss provision to net charge-offs | 169.9248% | 1,775 |
| Earnings coverage of net charge-offs (x) | 0.9962% | 4,551 |
| Efficiency ratio | 92.2059% | 1,083 |
| Assets per employee ($millions) | 3.1597% | 5,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9772% | 6,429 |
| Loan loss allowance to noncurrent loans | 195.4098% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 1.1235% | 4,648 |
| Noncurrent loans to loans | 0.5001% | 5,904 |
| Net loans and leases to total assets | 53.0963% | 5,418 |
| Net loans and leases to deposits | 68.2383% | 4,670 |
| Net loans and leases to core deposits | 69.4642% | 5,130 |
| Total domestic deposits to total assets | 77.8101% | 6,325 |
| Equity capital to assets | 12.1714% | 1,984 |
| Core capital (leverage) ratio | 11.1916% | 2,120 |
| Tier 1 risk-based capital ratio | 20.0906% | 1,593 |
| Total risk-based capital ratio | 21.0417% | 1,624 |
| Memoranda: | ||
| Average total assets | $102,224,670 | 4,895 |
| Average earning assets | $93,995,330 | 4,886 |
| Average equity | $13,401,000 | 4,255 |
| Average total loans | $51,915,000 | 5,289 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2771% | 296 |
| Cost of funding earning assets | 1.5209% | 1,091 |
| Net interest margin | 4.7562% | 624 |
| Noninterest income to average assets | 1.3311% | 726 |
| Noninterest expense to average assets | 6.5767% | 168 |
| Loan and lease loss provision to assets | 0.6593% | 1,296 |
| Net operating income to assets | -1.5218% | 7,207 |
| Return on assets (ROA) | -1.5218% | 7,209 |
| Pretax return on assets | -1.5218% | 7,168 |
| Return on Equity (ROE) | -11.1389% | 7,053 |
| Retained earnings to average equity (ytd only) | -11.1389% | 6,910 |
| Net charge-offs to loans | 1.2074% | 1,155 |
| Credit loss provision to net charge-offs | 111.1888% | 2,407 |
| Earnings coverage of net charge-offs (x) | -1.4545% | 4,933 |
| Efficiency ratio | 115.0943% | 409 |
| Assets per employee ($millions) | 3.0512% | 6,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7138% | 7,061 |
| Loan loss allowance to noncurrent loans | 99.0805% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 1.5802% | 3,877 |
| Noncurrent loans to loans | 0.7204% | 5,570 |
| Net loans and leases to total assets | 53.1020% | 5,436 |
| Net loans and leases to deposits | 64.2055% | 5,225 |
| Net loans and leases to core deposits | 66.0657% | 5,499 |
| Total domestic deposits to total assets | 82.7062% | 5,025 |
| Equity capital to assets | 11.8268% | 2,023 |
| Core capital (leverage) ratio | 11.0825% | 2,126 |
| Tier 1 risk-based capital ratio | 18.5745% | 1,934 |
| Total risk-based capital ratio | 19.2197% | 2,091 |
| Memoranda: | ||
| Average total assets | $96,462,000 | 5,096 |
| Average earning assets | $88,894,000 | 5,059 |
| Average equity | $13,179,000 | 4,297 |
| Average total loans | $47,376,000 | 5,505 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7281% | 5,697 |
| Cost of funding earning assets | 1.5233% | 2,511 |
| Net interest margin | 3.2049% | 6,260 |
| Noninterest income to average assets | 1.5741% | 588 |
| Noninterest expense to average assets | 3.3709% | 2,525 |
| Loan and lease loss provision to assets | 0.3248% | 4,214 |
| Net operating income to assets | 0.8499% | 2,590 |
| Return on assets (ROA) | 0.6408% | 3,636 |
| Pretax return on assets | 0.6408% | 4,196 |
| Return on Equity (ROE) | 4.5328% | 4,281 |
| Retained earnings to average equity (ytd only) | 4.5328% | 2,698 |
| Net charge-offs to loans | 0.7432% | 2,791 |
| Credit loss provision to net charge-offs | 103.1621% | 4,373 |
| Earnings coverage of net charge-offs (x) | 3.7312% | 3,217 |
| Efficiency ratio | 74.1582% | 3,362 |
| Assets per employee ($millions) | 4.7075% | 2,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2016% | 5,504 |
| Loan loss allowance to noncurrent loans | 70.8405% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 0.9209% | 5,179 |
| Noncurrent loans to loans | 1.6962% | 3,963 |
| Net loans and leases to total assets | 42.4326% | 6,827 |
| Net loans and leases to deposits | 56.8516% | 6,367 |
| Net loans and leases to core deposits | 58.1204% | 6,553 |
| Total domestic deposits to total assets | 74.6376% | 6,814 |
| Equity capital to assets | 16.2518% | 549 |
| Core capital (leverage) ratio | 15.4787% | 586 |
| Tier 1 risk-based capital ratio | 27.8859% | 617 |
| Total risk-based capital ratio | 28.8243% | 629 |
| Memoranda: | ||
| Average total assets | $80,364,800 | 5,585 |
| Average earning assets | $74,511,600 | 5,524 |
| Average equity | $11,361,600 | 4,773 |
| Average total loans | $34,039,800 | 6,206 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7137% | 5,970 |
| Cost of funding earning assets | 1.5415% | 2,718 |
| Net interest margin | 3.1722% | 6,428 |
| Noninterest income to average assets | 1.5711% | 565 |
| Noninterest expense to average assets | 3.2152% | 2,871 |
| Loan and lease loss provision to assets | 0.2933% | 4,229 |
| Net operating income to assets | 1.0060% | 2,214 |
| Return on assets (ROA) | 0.7392% | 3,404 |
| Pretax return on assets | 0.7392% | 4,120 |
| Return on Equity (ROE) | 5.4303% | 4,070 |
| Retained earnings to average equity (ytd only) | 5.4303% | 2,691 |
| Net charge-offs to loans | 0.4044% | 3,675 |
| Credit loss provision to net charge-offs | 171.8447% | 2,154 |
| Earnings coverage of net charge-offs (x) | 7.6117% | 2,296 |
| Efficiency ratio | 71.2188% | 3,848 |
| Assets per employee ($millions) | 4.5071% | 2,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3830% | 4,559 |
| Loan loss allowance to noncurrent loans | 46.4286% | 5,190 |
| Noncurrent assets plus other real estate owned to assets | 1.2098% | 4,727 |
| Noncurrent loans to loans | 2.9788% | 2,682 |
| Net loans and leases to total assets | 40.0514% | 7,072 |
| Net loans and leases to deposits | 53.7460% | 6,784 |
| Net loans and leases to core deposits | 55.6497% | 6,877 |
| Total domestic deposits to total assets | 74.5198% | 6,853 |
| Equity capital to assets | 14.3586% | 1,060 |
| Core capital (leverage) ratio | 13.5092% | 1,059 |
| Tier 1 risk-based capital ratio | 24.4734% | 897 |
| Total risk-based capital ratio | 25.5010% | 897 |
| Memoranda: | ||
| Average total assets | $80,449,000 | 5,652 |
| Average earning assets | $74,646,500 | 5,585 |
| Average equity | $10,950,500 | 4,940 |
| Average total loans | $33,957,000 | 6,292 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7912% | 5,826 |
| Cost of funding earning assets | 1.5381% | 3,020 |
| Net interest margin | 3.2531% | 6,157 |
| Noninterest income to average assets | 1.6235% | 495 |
| Noninterest expense to average assets | 3.1504% | 3,094 |
| Loan and lease loss provision to assets | 0.3023% | 3,979 |
| Net operating income to assets | 1.2068% | 1,539 |
| Return on assets (ROA) | 0.7647% | 3,278 |
| Pretax return on assets | 0.7647% | 4,006 |
| Return on Equity (ROE) | 5.7322% | 3,924 |
| Retained earnings to average equity (ytd only) | 5.7322% | 2,479 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6118% | 4,652 |
| Assets per employee ($millions) | 4.8042% | 2,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5785% | 3,545 |
| Loan loss allowance to noncurrent loans | 49.0637% | 5,017 |
| Noncurrent assets plus other real estate owned to assets | 1.3077% | 4,537 |
| Noncurrent loans to loans | 3.2172% | 2,489 |
| Net loans and leases to total assets | 40.0051% | 7,165 |
| Net loans and leases to deposits | 53.4930% | 6,894 |
| Net loans and leases to core deposits | 55.4739% | 6,969 |
| Total domestic deposits to total assets | 74.7857% | 6,876 |
| Equity capital to assets | 13.3644% | 1,409 |
| Core capital (leverage) ratio | 12.3807% | 1,458 |
| Tier 1 risk-based capital ratio | 20.7522% | 1,385 |
| Total risk-based capital ratio | 21.8398% | 1,382 |
| Memoranda: | ||
| Average total assets | $78,720,330 | 5,734 |
| Average earning assets | $73,467,670 | 5,659 |
| Average equity | $10,502,000 | 5,060 |
| Average total loans | $33,683,000 | 6,353 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0053% | 4,998 |
| Cost of funding earning assets | 1.5503% | 3,264 |
| Net interest margin | 3.4550% | 5,354 |
| Noninterest income to average assets | 1.5121% | 527 |
| Noninterest expense to average assets | 3.0604% | 3,433 |
| Loan and lease loss provision to assets | 0.3107% | 3,555 |
| Net operating income to assets | 1.3723% | 1,138 |
| Return on assets (ROA) | 0.8855% | 2,677 |
| Pretax return on assets | 0.8855% | 3,519 |
| Return on Equity (ROE) | 6.6437% | 3,541 |
| Retained earnings to average equity (ytd only) | 6.6437% | 2,300 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5197% | 5,387 |
| Assets per employee ($millions) | 4.8608% | 2,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3749% | 4,546 |
| Loan loss allowance to noncurrent loans | 59.5635% | 4,396 |
| Noncurrent assets plus other real estate owned to assets | 1.0016% | 5,146 |
| Noncurrent loans to loans | 2.3082% | 3,377 |
| Net loans and leases to total assets | 42.7976% | 7,076 |
| Net loans and leases to deposits | 58.6282% | 6,580 |
| Net loans and leases to core deposits | 64.2444% | 6,437 |
| Total domestic deposits to total assets | 72.9983% | 7,162 |
| Equity capital to assets | 13.5561% | 1,301 |
| Core capital (leverage) ratio | 12.7993% | 1,293 |
| Tier 1 risk-based capital ratio | 21.3219% | 1,297 |
| Total risk-based capital ratio | 22.3245% | 1,304 |
| Memoranda: | ||
| Average total assets | $77,244,500 | 5,844 |
| Average earning assets | $72,243,000 | 5,766 |
| Average equity | $10,295,500 | 5,151 |
| Average total loans | $33,926,000 | 6,419 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4833% | 4,236 |
| Cost of funding earning assets | 1.6768% | 4,631 |
| Net interest margin | 3.8064% | 3,677 |
| Noninterest income to average assets | 1.0728% | 1,337 |
| Noninterest expense to average assets | 2.9331% | 4,415 |
| Loan and lease loss provision to assets | 0.1797% | 5,905 |
| Net operating income to assets | 1.5009% | 672 |
| Return on assets (ROA) | 1.5009% | 724 |
| Pretax return on assets | 1.5009% | 1,186 |
| Return on Equity (ROE) | 12.0657% | 1,145 |
| Retained earnings to average equity (ytd only) | 12.0657% | 202 |
| Net charge-offs to loans | 0.6087% | 3,391 |
| Credit loss provision to net charge-offs | 63.9024% | 6,583 |
| Earnings coverage of net charge-offs (x) | 5.9756% | 2,457 |
| Efficiency ratio | 63.5742% | 5,854 |
| Assets per employee ($millions) | 5.9012% | 1,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1846% | 5,445 |
| Loan loss allowance to noncurrent loans | 40.1990% | 5,732 |
| Noncurrent assets plus other real estate owned to assets | 1.3100% | 4,467 |
| Noncurrent loans to loans | 2.9470% | 2,613 |
| Net loans and leases to total assets | 43.9270% | 7,121 |
| Net loans and leases to deposits | 60.1156% | 6,626 |
| Net loans and leases to core deposits | 74.6296% | 6,498 |
| Total domestic deposits to total assets | 73.0708% | 7,143 |
| Equity capital to assets | 13.0977% | 1,471 |
| Core capital (leverage) ratio | 12.6982% | 1,355 |
| Tier 1 risk-based capital ratio | 24.2734% | 923 |
| Total risk-based capital ratio | 25.2847% | 923 |
| Memoranda: | ||
| Average total assets | $72,892,000 | 5,918 |
| Average earning assets | $67,806,200 | 5,874 |
| Average equity | $9,067,000 | 5,586 |
| Average total loans | $33,679,000 | 6,418 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6303% | 3,688 |
| Cost of funding earning assets | 1.7459% | 4,660 |
| Net interest margin | 3.8844% | 3,287 |
| Noninterest income to average assets | 1.0472% | 1,452 |
| Noninterest expense to average assets | 2.8654% | 4,590 |
| Loan and lease loss provision to assets | 0.1891% | 5,485 |
| Net operating income to assets | 1.6051% | 660 |
| Return on assets (ROA) | 1.6051% | 710 |
| Pretax return on assets | 1.6051% | 1,165 |
| Return on Equity (ROE) | 13.0886% | 1,101 |
| Retained earnings to average equity (ytd only) | 13.0886% | 253 |
| Net charge-offs to loans | 0.8777% | 2,209 |
| Credit loss provision to net charge-offs | 46.1538% | 6,363 |
| Earnings coverage of net charge-offs (x) | 4.3801% | 3,155 |
| Efficiency ratio | 61.4956% | 6,195 |
| Assets per employee ($millions) | 4.9829% | 2,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0927% | 5,775 |
| Loan loss allowance to noncurrent loans | 154.3103% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.3326% | 6,648 |
| Noncurrent loans to loans | 0.7081% | 5,886 |
| Net loans and leases to total assets | 46.4521% | 7,072 |
| Net loans and leases to deposits | 62.1714% | 6,657 |
| Net loans and leases to core deposits | 80.1965% | 6,336 |
| Total domestic deposits to total assets | 74.7162% | 6,826 |
| Equity capital to assets | 14.1772% | 1,246 |
| Core capital (leverage) ratio | 13.6561% | 1,184 |
| Tier 1 risk-based capital ratio | 25.0509% | 892 |
| Total risk-based capital ratio | 25.9980% | 899 |
| Memoranda: | ||
| Average total assets | $71,936,000 | 5,981 |
| Average earning assets | $66,898,500 | 5,938 |
| Average equity | $8,821,750 | 5,710 |
| Average total loans | $33,573,000 | 6,474 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6782% | 3,675 |
| Cost of funding earning assets | 1.8670% | 4,434 |
| Net interest margin | 3.8111% | 3,511 |
| Noninterest income to average assets | 1.1643% | 1,156 |
| Noninterest expense to average assets | 2.7442% | 5,202 |
| Loan and lease loss provision to assets | 0.1404% | 5,671 |
| Net operating income to assets | 1.8194% | 440 |
| Return on assets (ROA) | 1.8194% | 485 |
| Pretax return on assets | 1.8194% | 817 |
| Return on Equity (ROE) | 15.6160% | 745 |
| Retained earnings to average equity (ytd only) | 15.6160% | 177 |
| Net charge-offs to loans | 0.0236% | 6,158 |
| Credit loss provision to net charge-offs | 1,275.0000% | 387 |
| Earnings coverage of net charge-offs (x) | 178.0000% | 232 |
| Efficiency ratio | 58.3382% | 6,803 |
| Assets per employee ($millions) | 5.2589% | 1,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5885% | 2,790 |
| Loan loss allowance to noncurrent loans | 301.1494% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.2363% | 6,905 |
| Noncurrent loans to loans | 0.5275% | 6,216 |
| Net loans and leases to total assets | 44.0943% | 7,319 |
| Net loans and leases to deposits | 57.4716% | 7,062 |
| Net loans and leases to core deposits | 72.1118% | 6,890 |
| Total domestic deposits to total assets | 76.7236% | 6,393 |
| Equity capital to assets | 12.4402% | 1,952 |
| Core capital (leverage) ratio | 12.3044% | 1,696 |
| Tier 1 risk-based capital ratio | 22.8814% | 1,152 |
| Total risk-based capital ratio | 24.1310% | 1,119 |
| Memoranda: | ||
| Average total assets | $72,661,330 | 6,013 |
| Average earning assets | $67,486,330 | 5,964 |
| Average equity | $8,465,670 | 5,860 |
| Average total loans | $33,843,000 | 6,510 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8102% | 3,247 |
| Cost of funding earning assets | 1.8950% | 4,647 |
| Net interest margin | 3.9152% | 2,990 |
| Noninterest income to average assets | 1.1139% | 1,194 |
| Noninterest expense to average assets | 2.7542% | 4,763 |
| Loan and lease loss provision to assets | 0.1164% | 5,480 |
| Net operating income to assets | 1.8842% | 451 |
| Return on assets (ROA) | 1.8842% | 500 |
| Pretax return on assets | 1.8842% | 832 |
| Return on Equity (ROE) | 16.7508% | 715 |
| Retained earnings to average equity (ytd only) | 16.7508% | 289 |
| Net charge-offs to loans | -0.0467% | 7,675 |
| Credit loss provision to net charge-offs | -525.0000% | 6,413 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9254% | 6,712 |
| Assets per employee ($millions) | 5.1917% | 1,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4587% | 3,182 |
| Loan loss allowance to noncurrent loans | 59.6908% | 4,615 |
| Noncurrent assets plus other real estate owned to assets | 1.1571% | 4,360 |
| Noncurrent loans to loans | 2.4438% | 2,699 |
| Net loans and leases to total assets | 46.6568% | 7,140 |
| Net loans and leases to deposits | 60.2473% | 6,877 |
| Net loans and leases to core deposits | 75.3835% | 6,720 |
| Total domestic deposits to total assets | 77.4421% | 6,167 |
| Equity capital to assets | 11.6023% | 2,526 |
| Core capital (leverage) ratio | 11.9222% | 1,931 |
| Tier 1 risk-based capital ratio | 21.3544% | 1,395 |
| Total risk-based capital ratio | 22.5870% | 1,363 |
| Memoranda: | ||
| Average total assets | $72,180,000 | 6,059 |
| Average earning assets | $67,123,500 | 6,004 |
| Average equity | $8,119,000 | 6,011 |
| Average total loans | $34,270,500 | 6,530 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8685% | 6,189 |
| Cost of funding earning assets | 2.4190% | 4,639 |
| Net interest margin | 3.4495% | 5,470 |
| Noninterest income to average assets | 1.3968% | 739 |
| Noninterest expense to average assets | 2.6529% | 5,435 |
| Loan and lease loss provision to assets | 0.2619% | 4,309 |
| Net operating income to assets | 1.6912% | 691 |
| Return on assets (ROA) | 1.6912% | 661 |
| Pretax return on assets | 1.6912% | 1,163 |
| Return on Equity (ROE) | 12.3570% | 1,496 |
| Retained earnings to average equity (ytd only) | 12.3570% | 204 |
| Net charge-offs to loans | -0.0548% | 8,034 |
| Credit loss provision to net charge-offs | -1,041.1765% | 7,439 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5972% | 6,766 |
| Assets per employee ($millions) | 5.1197% | 1,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3977% | 3,212 |
| Loan loss allowance to noncurrent loans | 42.8187% | 5,871 |
| Noncurrent assets plus other real estate owned to assets | 1.5542% | 3,118 |
| Noncurrent loans to loans | 3.2643% | 1,601 |
| Net loans and leases to total assets | 46.9474% | 7,259 |
| Net loans and leases to deposits | 60.7565% | 7,031 |
| Net loans and leases to core deposits | 73.9057% | 6,971 |
| Total domestic deposits to total assets | 77.2713% | 5,925 |
| Equity capital to assets | 10.8893% | 3,125 |
| Core capital (leverage) ratio | 11.7255% | 2,113 |
| Tier 1 risk-based capital ratio | 20.9456% | 1,461 |
| Total risk-based capital ratio | 22.1232% | 1,445 |
| Memoranda: | ||
| Average total assets | $67,585,200 | 6,099 |
| Average earning assets | $62,878,000 | 6,056 |
| Average equity | $9,249,800 | 5,651 |
| Average total loans | $31,034,200 | 6,649 |