Home > Bank of Brenham > Performance and Condition Ratios
Bank of Brenham, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3135% | 4,061 |
| Cost of funding earning assets | 4.1262% | 55 |
| Net interest margin | 0.1873% | 4,444 |
| Noninterest income to average assets | 0.3700% | 2,639 |
| Noninterest expense to average assets | 1.5415% | 4,223 |
| Loan and lease loss provision to assets | 0.1600% | 863 |
| Net operating income to assets | -1.0207% | 4,399 |
| Return on assets (ROA) | -1.0496% | 4,433 |
| Pretax return on assets | -1.1853% | 4,438 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,901 |
| Net charge-offs to loans | 0.9840% | 149 |
| Credit loss provision to net charge-offs | 83.0442% | 2,104 |
| Earnings coverage of net charge-offs (x) | -5.2461% | 4,444 |
| Efficiency ratio | 273.8702% | 35 |
| Assets per employee ($millions) | 15.1116% | 211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1475% | 2,434 |
| Loan loss allowance to noncurrent loans | 147.1487% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 0.1585% | 2,662 |
| Noncurrent loans to loans | 0.7798% | 1,274 |
| Net loans and leases to total assets | 20.0900% | 4,318 |
| Net loans and leases to deposits | 19.6731% | 4,340 |
| Net loans and leases to core deposits | 36.2156% | 4,235 |
| Total domestic deposits to total assets | 102.1300% | 5 |
| Equity capital to assets | -3.4622% | 4,511 |
| Core capital (leverage) ratio | 10.1820% | 2,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $668,368,400 | 1,392 |
| Average earning assets | $639,526,600 | 1,352 |
| Average equity | $-14,151,200 | 4,493 |
| Average total loans | $128,857,400 | 2,915 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2383% | 4,129 |
| Cost of funding earning assets | 4.0566% | 70 |
| Net interest margin | 0.1817% | 4,476 |
| Noninterest income to average assets | 0.3400% | 2,783 |
| Noninterest expense to average assets | 1.5422% | 4,226 |
| Loan and lease loss provision to assets | 0.1600% | 770 |
| Net operating income to assets | -1.1882% | 4,444 |
| Return on assets (ROA) | -1.2307% | 4,477 |
| Pretax return on assets | -1.2307% | 4,472 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,956 |
| Net charge-offs to loans | 1.0947% | 128 |
| Credit loss provision to net charge-offs | 78.4774% | 1,860 |
| Earnings coverage of net charge-offs (x) | -4.9154% | 4,483 |
| Efficiency ratio | 288.7207% | 35 |
| Assets per employee ($millions) | 17.2653% | 144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1080% | 2,720 |
| Loan loss allowance to noncurrent loans | 212.9464% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 0.0973% | 3,050 |
| Noncurrent loans to loans | 0.5203% | 1,780 |
| Net loans and leases to total assets | 18.4900% | 4,353 |
| Net loans and leases to deposits | 20.9029% | 4,372 |
| Net loans and leases to core deposits | 37.9490% | 4,258 |
| Total domestic deposits to total assets | 88.4800% | 1,090 |
| Equity capital to assets | -0.7153% | 4,540 |
| Core capital (leverage) ratio | 9.9600% | 2,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $680,566,750 | 1,361 |
| Average earning assets | $652,225,500 | 1,332 |
| Average equity | $-12,326,250 | 4,523 |
| Average total loans | $129,590,500 | 2,908 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2939% | 4,035 |
| Cost of funding earning assets | 4.0798% | 61 |
| Net interest margin | 0.2141% | 4,494 |
| Noninterest income to average assets | 0.3400% | 2,750 |
| Noninterest expense to average assets | 1.5620% | 4,216 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | -1.0171% | 4,454 |
| Return on assets (ROA) | -1.0703% | 4,487 |
| Pretax return on assets | -1.0703% | 4,480 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,835 |
| Net charge-offs to loans | -0.0277% | 4,198 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 276.7480% | 39 |
| Assets per employee ($millions) | 15.2452% | 195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2829% | 1,812 |
| Loan loss allowance to noncurrent loans | 90.0215% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 0.2779% | 2,053 |
| Noncurrent loans to loans | 1.4251% | 611 |
| Net loans and leases to total assets | 19.2500% | 4,365 |
| Net loans and leases to deposits | 21.2588% | 4,393 |
| Net loans and leases to core deposits | 36.4809% | 4,273 |
| Total domestic deposits to total assets | 90.5500% | 564 |
| Equity capital to assets | -3.1150% | 4,562 |
| Core capital (leverage) ratio | 9.7180% | 3,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $677,218,000 | 1,370 |
| Average earning assets | $649,195,000 | 1,325 |
| Average equity | $-14,788,333 | 4,543 |
| Average total loans | $129,735,000 | 2,906 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1608% | 4,117 |
| Cost of funding earning assets | 3.8804% | 81 |
| Net interest margin | 0.2804% | 4,532 |
| Noninterest income to average assets | 0.3500% | 2,619 |
| Noninterest expense to average assets | 1.4503% | 4,330 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | -0.8342% | 4,507 |
| Return on assets (ROA) | -0.8789% | 4,497 |
| Pretax return on assets | -0.8789% | 4,488 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,696 |
| Net charge-offs to loans | 0.0093% | 1,742 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | -473.0000% | 4,592 |
| Efficiency ratio | 226.0496% | 20 |
| Assets per employee ($millions) | 15.6571% | 194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2690% | 1,899 |
| Loan loss allowance to noncurrent loans | 57.9168% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 0.4061% | 1,519 |
| Noncurrent loans to loans | 2.1911% | 286 |
| Net loans and leases to total assets | 18.3000% | 4,395 |
| Net loans and leases to deposits | 20.2604% | 4,407 |
| Net loans and leases to core deposits | 33.5839% | 4,362 |
| Total domestic deposits to total assets | 90.3100% | 694 |
| Equity capital to assets | -2.2946% | 4,589 |
| Core capital (leverage) ratio | 10.2336% | 2,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $680,433,500 | 1,366 |
| Average earning assets | $653,332,000 | 1,333 |
| Average equity | $-11,735,000 | 4,573 |
| Average total loans | $129,202,500 | 2,910 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9993% | 3,967 |
| Cost of funding earning assets | 2.7925% | 212 |
| Net interest margin | 1.2068% | 4,535 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 2.6691% | 1,822 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | -1.2039% | 4,538 |
| Return on assets (ROA) | -1.2364% | 4,535 |
| Pretax return on assets | -1.2484% | 4,532 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,044 |
| Net charge-offs to loans | 0.2097% | 515 |
| Credit loss provision to net charge-offs | 58.7121% | 2,157 |
| Earnings coverage of net charge-offs (x) | -28.9394% | 4,572 |
| Efficiency ratio | 84.8479% | 618 |
| Assets per employee ($millions) | 15.2628% | 199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2986% | 1,771 |
| Loan loss allowance to noncurrent loans | 96.7366% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 0.2615% | 1,914 |
| Noncurrent loans to loans | 1.3424% | 518 |
| Net loans and leases to total assets | 19.2300% | 4,408 |
| Net loans and leases to deposits | 21.6877% | 4,418 |
| Net loans and leases to core deposits | 28.9675% | 4,406 |
| Total domestic deposits to total assets | 88.6500% | 1,168 |
| Equity capital to assets | -1.1128% | 4,608 |
| Core capital (leverage) ratio | 11.1656% | 1,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $649,476,600 | 1,374 |
| Average earning assets | $617,006,800 | 1,350 |
| Average equity | $-13,593,400 | 4,591 |
| Average total loans | $125,908,800 | 2,891 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0320% | 3,796 |
| Cost of funding earning assets | 2.6193% | 231 |
| Net interest margin | 1.4127% | 4,537 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 1.4772% | 4,330 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.1620% | 4,273 |
| Return on assets (ROA) | 0.1181% | 4,321 |
| Pretax return on assets | 0.1130% | 4,335 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,110 |
| Net charge-offs to loans | 0.2551% | 349 |
| Credit loss provision to net charge-offs | 64.5833% | 1,837 |
| Earnings coverage of net charge-offs (x) | 4.2375% | 2,407 |
| Efficiency ratio | 75.5309% | 1,219 |
| Assets per employee ($millions) | 14.0066% | 244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2139% | 2,293 |
| Loan loss allowance to noncurrent loans | 110.5712% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 0.2529% | 2,002 |
| Noncurrent loans to loans | 1.0979% | 714 |
| Net loans and leases to total assets | 22.7500% | 4,408 |
| Net loans and leases to deposits | 22.7729% | 4,438 |
| Net loans and leases to core deposits | 29.7244% | 4,384 |
| Total domestic deposits to total assets | 99.9100% | 29 |
| Equity capital to assets | -6.8858% | 4,637 |
| Core capital (leverage) ratio | 10.7192% | 2,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.0255% | 252 |
| Memoranda: | ||
| Average total assets | $647,771,000 | 1,379 |
| Average earning assets | $614,044,500 | 1,350 |
| Average equity | $-15,166,000 | 4,620 |
| Average total loans | $125,427,500 | 2,899 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8473% | 3,955 |
| Cost of funding earning assets | 2.3026% | 279 |
| Net interest margin | 1.5447% | 4,574 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 1.4472% | 4,373 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.2106% | 4,265 |
| Return on assets (ROA) | 0.2193% | 4,279 |
| Pretax return on assets | 0.2145% | 4,308 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,069 |
| Net charge-offs to loans | 0.4000% | 210 |
| Credit loss provision to net charge-offs | 64.0496% | 1,615 |
| Earnings coverage of net charge-offs (x) | 3.8719% | 2,242 |
| Efficiency ratio | 72.1660% | 1,535 |
| Assets per employee ($millions) | 15.4446% | 178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2574% | 2,141 |
| Loan loss allowance to noncurrent loans | 116.0801% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 0.2182% | 2,103 |
| Noncurrent loans to loans | 1.0832% | 671 |
| Net loans and leases to total assets | 19.8900% | 4,460 |
| Net loans and leases to deposits | 20.9436% | 4,471 |
| Net loans and leases to core deposits | 27.5660% | 4,428 |
| Total domestic deposits to total assets | 94.9600% | 96 |
| Equity capital to assets | -1.2026% | 4,660 |
| Core capital (leverage) ratio | 10.6452% | 2,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.5770% | 251 |
| Memoranda: | ||
| Average total assets | $662,933,333 | 1,357 |
| Average earning assets | $628,856,667 | 1,328 |
| Average equity | $-6,397,333 | 4,647 |
| Average total loans | $120,995,333 | 2,934 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7097% | 4,005 |
| Cost of funding earning assets | 2.0357% | 275 |
| Net interest margin | 1.6740% | 4,622 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 1.4506% | 4,430 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3986% | 4,091 |
| Return on assets (ROA) | 0.4016% | 4,035 |
| Pretax return on assets | 0.4016% | 4,128 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,013 |
| Net charge-offs to loans | 0.0244% | 1,196 |
| Credit loss provision to net charge-offs | -1,428.5714% | 4,660 |
| Earnings coverage of net charge-offs (x) | 94.2857% | 816 |
| Efficiency ratio | 67.7008% | 2,009 |
| Assets per employee ($millions) | 15.4495% | 187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3825% | 1,686 |
| Loan loss allowance to noncurrent loans | 95.2982% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 0.2566% | 1,849 |
| Noncurrent loans to loans | 1.4507% | 455 |
| Net loans and leases to total assets | 17.4400% | 4,539 |
| Net loans and leases to deposits | 18.4613% | 4,550 |
| Net loans and leases to core deposits | 23.9900% | 4,510 |
| Total domestic deposits to total assets | 94.4700% | 130 |
| Equity capital to assets | -0.2130% | 4,684 |
| Core capital (leverage) ratio | 10.8367% | 1,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.2022% | 241 |
| Memoranda: | ||
| Average total assets | $662,341,000 | 1,382 |
| Average earning assets | $628,198,000 | 1,348 |
| Average equity | $-5,602,500 | 4,671 |
| Average total loans | $114,610,000 | 3,039 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3942% | 3,357 |
| Cost of funding earning assets | 0.8668% | 288 |
| Net interest margin | 2.5274% | 4,259 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 1.2348% | 4,591 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3967% | 1,138 |
| Return on assets (ROA) | 1.4044% | 1,080 |
| Pretax return on assets | 1.4009% | 1,768 |
| Return on Equity (ROE) | 46.5800% | 36 |
| Retained earnings to average equity (ytd only) | 46.5810% | 14 |
| Net charge-offs to loans | 0.0317% | 1,436 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 282.2258% | 512 |
| Efficiency ratio | 42.4408% | 4,478 |
| Assets per employee ($millions) | 14.6569% | 219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6229% | 934 |
| Loan loss allowance to noncurrent loans | 84.9256% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 0.3230% | 1,567 |
| Noncurrent loans to loans | 1.9109% | 299 |
| Net loans and leases to total assets | 16.6300% | 4,568 |
| Net loans and leases to deposits | 16.4698% | 4,587 |
| Net loans and leases to core deposits | 22.0019% | 4,553 |
| Total domestic deposits to total assets | 100.9600% | 7 |
| Equity capital to assets | -1.5129% | 4,718 |
| Core capital (leverage) ratio | 10.9325% | 1,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.3949% | 219 |
| Memoranda: | ||
| Average total assets | $627,965,600 | 1,424 |
| Average earning assets | $597,603,800 | 1,389 |
| Average equity | $18,932,600 | 3,044 |
| Average total loans | $97,853,200 | 3,179 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3070% | 3,159 |
| Cost of funding earning assets | 0.6680% | 310 |
| Net interest margin | 2.6390% | 4,046 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 1.1654% | 4,642 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5844% | 679 |
| Return on assets (ROA) | 1.5947% | 645 |
| Pretax return on assets | 1.5673% | 1,213 |
| Return on Equity (ROE) | 38.1000% | 50 |
| Retained earnings to average equity (ytd only) | 38.1016% | 18 |
| Net charge-offs to loans | 0.0435% | 1,055 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 234.9677% | 564 |
| Efficiency ratio | 39.5022% | 4,586 |
| Assets per employee ($millions) | 16.9254% | 150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7334% | 828 |
| Loan loss allowance to noncurrent loans | 238.0888% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 0.1219% | 2,749 |
| Noncurrent loans to loans | 0.7281% | 1,119 |
| Net loans and leases to total assets | 16.4600% | 4,612 |
| Net loans and leases to deposits | 15.9866% | 4,631 |
| Net loans and leases to core deposits | 21.9700% | 4,594 |
| Total domestic deposits to total assets | 102.9500% | 4 |
| Equity capital to assets | -3.3556% | 4,760 |
| Core capital (leverage) ratio | 11.0327% | 1,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.7003% | 227 |
| Memoranda: | ||
| Average total assets | $623,731,250 | 1,439 |
| Average earning assets | $594,409,250 | 1,402 |
| Average equity | $26,105,000 | 2,561 |
| Average total loans | $95,065,250 | 3,234 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1864% | 3,085 |
| Cost of funding earning assets | 0.5078% | 496 |
| Net interest margin | 2.6786% | 3,746 |
| Noninterest income to average assets | 0.1079% | 4,450 |
| Noninterest expense to average assets | 1.0230% | 4,685 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.6349% | 502 |
| Return on assets (ROA) | 1.6441% | 483 |
| Pretax return on assets | 1.6470% | 857 |
| Return on Equity (ROE) | 24.8282% | 117 |
| Retained earnings to average equity (ytd only) | 24.8282% | 33 |
| Net charge-offs to loans | 0.0410% | 976 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 270.8947% | 434 |
| Efficiency ratio | 37.5508% | 4,660 |
| Assets per employee ($millions) | 16.1416% | 158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8898% | 677 |
| Loan loss allowance to noncurrent loans | 157.6106% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 0.1892% | 2,401 |
| Noncurrent loans to loans | 1.1990% | 665 |
| Net loans and leases to total assets | 15.4814% | 4,684 |
| Net loans and leases to deposits | 15.5074% | 4,694 |
| Net loans and leases to core deposits | 20.0634% | 4,675 |
| Total domestic deposits to total assets | 99.8322% | 5 |
| Equity capital to assets | -0.1638% | 4,763 |
| Core capital (leverage) ratio | 10.7364% | 1,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.9673% | 193 |
| Memoranda: | ||
| Average total assets | $628,537,000 | 1,434 |
| Average earning assets | $599,037,000 | 1,408 |
| Average equity | $41,622,000 | 1,936 |
| Average total loans | $92,736,667 | 3,290 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0408% | 3,135 |
| Cost of funding earning assets | 0.4622% | 607 |
| Net interest margin | 2.5787% | 3,709 |
| Noninterest income to average assets | 0.1093% | 4,463 |
| Noninterest expense to average assets | 0.9618% | 4,727 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.6107% | 495 |
| Return on assets (ROA) | 1.6207% | 484 |
| Pretax return on assets | 1.6207% | 797 |
| Return on Equity (ROE) | 16.5920% | 465 |
| Retained earnings to average equity (ytd only) | 16.5920% | 202 |
| Net charge-offs to loans | 0.1000% | 518 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 112.7826% | 635 |
| Efficiency ratio | 36.4712% | 4,697 |
| Assets per employee ($millions) | 16.0864% | 167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9099% | 728 |
| Loan loss allowance to noncurrent loans | 133.6090% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 0.2120% | 2,366 |
| Noncurrent loans to loans | 1.4295% | 592 |
| Net loans and leases to total assets | 14.5472% | 4,716 |
| Net loans and leases to deposits | 15.5925% | 4,721 |
| Net loans and leases to core deposits | 20.2894% | 4,696 |
| Total domestic deposits to total assets | 93.2965% | 208 |
| Equity capital to assets | 6.4236% | 4,456 |
| Core capital (leverage) ratio | 10.6703% | 1,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.4288% | 202 |
| Memoranda: | ||
| Average total assets | $644,185,000 | 1,400 |
| Average earning assets | $615,357,500 | 1,379 |
| Average equity | $62,922,000 | 1,435 |
| Average total loans | $91,984,000 | 3,301 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9681% | 3,926 |
| Cost of funding earning assets | 0.5366% | 764 |
| Net interest margin | 2.4315% | 4,278 |
| Noninterest income to average assets | 0.1238% | 4,518 |
| Noninterest expense to average assets | 0.8929% | 4,775 |
| Loan and lease loss provision to assets | 0.0165% | 2,746 |
| Net operating income to assets | 1.5328% | 947 |
| Return on assets (ROA) | 1.6822% | 684 |
| Pretax return on assets | 1.6847% | 1,188 |
| Return on Equity (ROE) | 12.4936% | 1,650 |
| Retained earnings to average equity (ytd only) | 12.4936% | 470 |
| Net charge-offs to loans | 0.0192% | 1,893 |
| Credit loss provision to net charge-offs | 625.0000% | 702 |
| Earnings coverage of net charge-offs (x) | 587.3750% | 243 |
| Efficiency ratio | 35.5126% | 4,756 |
| Assets per employee ($millions) | 20.6562% | 95 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9796% | 624 |
| Loan loss allowance to noncurrent loans | 161.4350% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 0.1687% | 2,750 |
| Noncurrent loans to loans | 1.2263% | 786 |
| Net loans and leases to total assets | 13.4835% | 4,765 |
| Net loans and leases to deposits | 15.6036% | 4,767 |
| Net loans and leases to core deposits | 20.4909% | 4,739 |
| Total domestic deposits to total assets | 86.4130% | 2,756 |
| Equity capital to assets | 12.9416% | 916 |
| Core capital (leverage) ratio | 10.6104% | 1,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.8837% | 220 |
| Memoranda: | ||
| Average total assets | $605,641,000 | 1,439 |
| Average earning assets | $578,084,400 | 1,419 |
| Average equity | $81,545,600 | 1,187 |
| Average total loans | $83,147,800 | 3,426 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9852% | 4,032 |
| Cost of funding earning assets | 0.5625% | 779 |
| Net interest margin | 2.4227% | 4,372 |
| Noninterest income to average assets | 0.1311% | 4,543 |
| Noninterest expense to average assets | 0.9037% | 4,856 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5525% | 1,140 |
| Return on assets (ROA) | 1.6429% | 974 |
| Pretax return on assets | 1.6291% | 1,609 |
| Return on Equity (ROE) | 12.0706% | 2,018 |
| Retained earnings to average equity (ytd only) | 12.0706% | 823 |
| Net charge-offs to loans | 0.0164% | 1,742 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 683.0000% | 235 |
| Efficiency ratio | 35.9561% | 4,811 |
| Assets per employee ($millions) | 20.1607% | 100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0024% | 622 |
| Loan loss allowance to noncurrent loans | 144.6989% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 0.1886% | 2,854 |
| Noncurrent loans to loans | 1.3839% | 770 |
| Net loans and leases to total assets | 13.3589% | 4,842 |
| Net loans and leases to deposits | 15.6388% | 4,842 |
| Net loans and leases to core deposits | 20.9272% | 4,819 |
| Total domestic deposits to total assets | 85.4218% | 2,974 |
| Equity capital to assets | 13.7444% | 792 |
| Core capital (leverage) ratio | 10.8046% | 1,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.5875% | 239 |
| Memoranda: | ||
| Average total assets | $591,801,500 | 1,486 |
| Average earning assets | $564,587,750 | 1,461 |
| Average equity | $80,546,000 | 1,221 |
| Average total loans | $81,203,250 | 3,508 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0224% | 4,002 |
| Cost of funding earning assets | 0.5960% | 760 |
| Net interest margin | 2.4264% | 4,399 |
| Noninterest income to average assets | 0.1322% | 4,542 |
| Noninterest expense to average assets | 0.9026% | 4,890 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5659% | 1,128 |
| Return on assets (ROA) | 1.6582% | 991 |
| Pretax return on assets | 1.6338% | 1,644 |
| Return on Equity (ROE) | 12.2268% | 1,966 |
| Retained earnings to average equity (ytd only) | 12.2268% | 866 |
| Net charge-offs to loans | -0.0025% | 3,246 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.8743% | 4,844 |
| Assets per employee ($millions) | 19.4501% | 101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1407% | 476 |
| Loan loss allowance to noncurrent loans | 294.5111% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.0967% | 3,566 |
| Noncurrent loans to loans | 0.7269% | 1,633 |
| Net loans and leases to total assets | 13.0176% | 4,878 |
| Net loans and leases to deposits | 15.2140% | 4,885 |
| Net loans and leases to core deposits | 20.2237% | 4,854 |
| Total domestic deposits to total assets | 85.5634% | 2,884 |
| Equity capital to assets | 13.6365% | 801 |
| Core capital (leverage) ratio | 10.5676% | 1,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.6197% | 260 |
| Memoranda: | ||
| Average total assets | $580,741,000 | 1,501 |
| Average earning assets | $553,341,000 | 1,475 |
| Average equity | $78,761,333 | 1,239 |
| Average total loans | $79,872,000 | 3,553 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0407% | 4,003 |
| Cost of funding earning assets | 0.6320% | 754 |
| Net interest margin | 2.4087% | 4,407 |
| Noninterest income to average assets | 0.1334% | 4,538 |
| Noninterest expense to average assets | 0.8939% | 4,926 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5329% | 1,259 |
| Return on assets (ROA) | 1.6172% | 1,148 |
| Pretax return on assets | 1.6172% | 1,676 |
| Return on Equity (ROE) | 11.9588% | 2,035 |
| Retained earnings to average equity (ytd only) | 11.9588% | 1,160 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.7350% | 4,852 |
| Assets per employee ($millions) | 18.4845% | 121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1472% | 461 |
| Loan loss allowance to noncurrent loans | 91.1312% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 0.3286% | 2,495 |
| Noncurrent loans to loans | 2.3562% | 409 |
| Net loans and leases to total assets | 13.6474% | 4,905 |
| Net loans and leases to deposits | 15.7253% | 4,904 |
| Net loans and leases to core deposits | 20.2589% | 4,885 |
| Total domestic deposits to total assets | 86.7863% | 2,398 |
| Equity capital to assets | 12.6987% | 993 |
| Core capital (leverage) ratio | 10.6675% | 1,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $569,634,500 | 1,513 |
| Average earning assets | $542,370,500 | 1,493 |
| Average equity | $77,031,000 | 1,251 |
| Average total loans | $79,704,500 | 3,569 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1385% | 4,521 |
| Cost of funding earning assets | 1.0403% | 508 |
| Net interest margin | 2.0982% | 4,804 |
| Noninterest income to average assets | 0.1527% | 4,530 |
| Noninterest expense to average assets | 0.9758% | 4,937 |
| Loan and lease loss provision to assets | 0.1574% | 2,400 |
| Net operating income to assets | 1.0501% | 2,104 |
| Return on assets (ROA) | 1.7589% | 462 |
| Pretax return on assets | 1.7156% | 830 |
| Return on Equity (ROE) | 12.5213% | 1,172 |
| Retained earnings to average equity (ytd only) | 12.5213% | 275 |
| Net charge-offs to loans | 0.0417% | 2,228 |
| Credit loss provision to net charge-offs | 2,512.1212% | 373 |
| Earnings coverage of net charge-offs (x) | 185.7879% | 495 |
| Efficiency ratio | 44.2680% | 4,780 |
| Assets per employee ($millions) | 19.5259% | 96 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1587% | 443 |
| Loan loss allowance to noncurrent loans | 91.5688% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 0.3309% | 2,665 |
| Noncurrent loans to loans | 2.3575% | 444 |
| Net loans and leases to total assets | 13.7351% | 4,924 |
| Net loans and leases to deposits | 16.2350% | 4,925 |
| Net loans and leases to core deposits | 20.1292% | 4,906 |
| Total domestic deposits to total assets | 84.6020% | 2,915 |
| Equity capital to assets | 14.3569% | 716 |
| Core capital (leverage) ratio | 10.5888% | 2,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $526,631,200 | 1,477 |
| Average earning assets | $498,806,400 | 1,458 |
| Average equity | $73,978,000 | 1,235 |
| Average total loans | $79,197,800 | 3,565 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2229% | 4,562 |
| Cost of funding earning assets | 1.1563% | 428 |
| Net interest margin | 2.0666% | 4,865 |
| Noninterest income to average assets | 0.1489% | 4,557 |
| Noninterest expense to average assets | 0.9839% | 4,971 |
| Loan and lease loss provision to assets | 0.1856% | 2,132 |
| Net operating income to assets | 1.0035% | 2,328 |
| Return on assets (ROA) | 1.8673% | 439 |
| Pretax return on assets | 1.7992% | 779 |
| Return on Equity (ROE) | 13.3739% | 1,013 |
| Retained earnings to average equity (ytd only) | 13.3739% | 296 |
| Net charge-offs to loans | 0.0573% | 1,791 |
| Credit loss provision to net charge-offs | 2,114.7059% | 452 |
| Earnings coverage of net charge-offs (x) | 127.7647% | 668 |
| Efficiency ratio | 45.3598% | 4,742 |
| Assets per employee ($millions) | 20.4102% | 83 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8863% | 605 |
| Loan loss allowance to noncurrent loans | 255.1669% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.1141% | 3,861 |
| Noncurrent loans to loans | 0.7392% | 1,958 |
| Net loans and leases to total assets | 15.1489% | 4,958 |
| Net loans and leases to deposits | 17.8795% | 4,960 |
| Net loans and leases to core deposits | 22.9923% | 4,937 |
| Total domestic deposits to total assets | 84.7279% | 2,539 |
| Equity capital to assets | 14.1922% | 806 |
| Core capital (leverage) ratio | 10.6069% | 2,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $516,726,500 | 1,479 |
| Average earning assets | $489,026,250 | 1,457 |
| Average equity | $72,148,500 | 1,247 |
| Average total loans | $79,124,500 | 3,588 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3569% | 4,582 |
| Cost of funding earning assets | 1.3289% | 316 |
| Net interest margin | 2.0281% | 4,940 |
| Noninterest income to average assets | 0.1480% | 4,568 |
| Noninterest expense to average assets | 0.9096% | 5,021 |
| Loan and lease loss provision to assets | 0.2612% | 1,624 |
| Net operating income to assets | 0.9551% | 2,474 |
| Return on assets (ROA) | 2.0816% | 313 |
| Pretax return on assets | 2.0199% | 523 |
| Return on Equity (ROE) | 14.9983% | 707 |
| Retained earnings to average equity (ytd only) | 14.9983% | 220 |
| Net charge-offs to loans | 0.0933% | 1,326 |
| Credit loss provision to net charge-offs | 1,833.3333% | 515 |
| Earnings coverage of net charge-offs (x) | 81.0278% | 799 |
| Efficiency ratio | 42.6270% | 4,844 |
| Assets per employee ($millions) | 18.8895% | 92 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8269% | 618 |
| Loan loss allowance to noncurrent loans | 241.6275% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.1208% | 3,931 |
| Noncurrent loans to loans | 0.7561% | 1,992 |
| Net loans and leases to total assets | 15.6876% | 4,986 |
| Net loans and leases to deposits | 18.5134% | 4,990 |
| Net loans and leases to core deposits | 25.0123% | 4,958 |
| Total domestic deposits to total assets | 84.7366% | 2,494 |
| Equity capital to assets | 14.1726% | 817 |
| Core capital (leverage) ratio | 10.5854% | 2,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $505,276,667 | 1,483 |
| Average earning assets | $477,402,000 | 1,465 |
| Average equity | $70,128,000 | 1,267 |
| Average total loans | $77,137,000 | 3,626 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2790% | 4,828 |
| Cost of funding earning assets | 1.4867% | 290 |
| Net interest margin | 1.7923% | 5,048 |
| Noninterest income to average assets | 0.1297% | 4,720 |
| Noninterest expense to average assets | 0.9249% | 5,070 |
| Loan and lease loss provision to assets | 0.1986% | 1,526 |
| Net operating income to assets | 0.6987% | 3,274 |
| Return on assets (ROA) | 2.4764% | 121 |
| Pretax return on assets | 2.4764% | 173 |
| Return on Equity (ROE) | 18.0470% | 264 |
| Retained earnings to average equity (ytd only) | 18.0470% | 91 |
| Net charge-offs to loans | 0.0817% | 1,213 |
| Credit loss provision to net charge-offs | 1,633.3333% | 396 |
| Earnings coverage of net charge-offs (x) | 73.8000% | 702 |
| Efficiency ratio | 49.0658% | 4,710 |
| Assets per employee ($millions) | 18.5435% | 79 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5522% | 1,184 |
| Loan loss allowance to noncurrent loans | 171.8984% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 0.1336% | 3,972 |
| Noncurrent loans to loans | 0.9030% | 1,807 |
| Net loans and leases to total assets | 14.5678% | 5,037 |
| Net loans and leases to deposits | 17.2335% | 5,039 |
| Net loans and leases to core deposits | 24.0628% | 5,014 |
| Total domestic deposits to total assets | 84.5317% | 2,587 |
| Equity capital to assets | 14.0235% | 1,044 |
| Core capital (leverage) ratio | 10.5884% | 2,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $493,461,500 | 1,479 |
| Average earning assets | $465,997,000 | 1,453 |
| Average equity | $67,712,000 | 1,302 |
| Average total loans | $73,447,000 | 3,690 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4302% | 4,904 |
| Cost of funding earning assets | 1.6166% | 277 |
| Net interest margin | 1.8136% | 5,109 |
| Noninterest income to average assets | 0.1540% | 4,721 |
| Noninterest expense to average assets | 0.9919% | 5,122 |
| Loan and lease loss provision to assets | 0.0054% | 3,902 |
| Net operating income to assets | 0.8819% | 3,278 |
| Return on assets (ROA) | 0.8926% | 3,324 |
| Pretax return on assets | 0.8736% | 3,815 |
| Return on Equity (ROE) | 6.9069% | 3,581 |
| Retained earnings to average equity (ytd only) | 6.9069% | 1,426 |
| Net charge-offs to loans | 0.0954% | 1,773 |
| Credit loss provision to net charge-offs | 38.0952% | 3,217 |
| Earnings coverage of net charge-offs (x) | 61.4921% | 963 |
| Efficiency ratio | 51.5181% | 4,640 |
| Assets per employee ($millions) | 18.7019% | 71 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2636% | 2,099 |
| Loan loss allowance to noncurrent loans | 368.0000% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.0514% | 4,377 |
| Noncurrent loans to loans | 0.3434% | 3,214 |
| Net loans and leases to total assets | 14.7840% | 5,100 |
| Net loans and leases to deposits | 17.2904% | 5,102 |
| Net loans and leases to core deposits | 24.0665% | 5,078 |
| Total domestic deposits to total assets | 85.5039% | 2,290 |
| Equity capital to assets | 13.4112% | 1,324 |
| Core capital (leverage) ratio | 10.2403% | 3,257 |
| Tier 1 risk-based capital ratio | 27.1260% | 607 |
| Total risk-based capital ratio | 27.6624% | 640 |
| Memoranda: | ||
| Average total assets | $446,204,600 | 1,570 |
| Average earning assets | $419,776,200 | 1,547 |
| Average equity | $57,666,800 | 1,407 |
| Average total loans | $66,064,000 | 3,859 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4595% | 4,980 |
| Cost of funding earning assets | 1.6262% | 267 |
| Net interest margin | 1.8332% | 5,196 |
| Noninterest income to average assets | 0.1525% | 4,785 |
| Noninterest expense to average assets | 0.9769% | 5,203 |
| Loan and lease loss provision to assets | 0.0055% | 3,765 |
| Net operating income to assets | 0.9185% | 3,276 |
| Return on assets (ROA) | 0.9329% | 3,297 |
| Pretax return on assets | 0.9087% | 3,848 |
| Return on Equity (ROE) | 7.2951% | 3,584 |
| Retained earnings to average equity (ytd only) | 7.2951% | 1,715 |
| Net charge-offs to loans | 0.0104% | 3,001 |
| Credit loss provision to net charge-offs | 360.0000% | 836 |
| Earnings coverage of net charge-offs (x) | 588.4918% | 168 |
| Efficiency ratio | 50.2117% | 4,732 |
| Assets per employee ($millions) | 17.5085% | 82 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3809% | 1,647 |
| Loan loss allowance to noncurrent loans | 39.8197% | 4,348 |
| Noncurrent assets plus other real estate owned to assets | 0.5362% | 2,401 |
| Noncurrent loans to loans | 3.4679% | 238 |
| Net loans and leases to total assets | 15.2489% | 5,182 |
| Net loans and leases to deposits | 17.9824% | 5,180 |
| Net loans and leases to core deposits | 24.3526% | 5,160 |
| Total domestic deposits to total assets | 84.7986% | 2,501 |
| Equity capital to assets | 14.1013% | 1,114 |
| Core capital (leverage) ratio | 10.5022% | 3,100 |
| Tier 1 risk-based capital ratio | 28.4681% | 545 |
| Total risk-based capital ratio | 29.0754% | 572 |
| Memoranda: | ||
| Average total assets | $436,193,500 | 1,614 |
| Average earning assets | $410,266,000 | 1,589 |
| Average equity | $55,780,500 | 1,446 |
| Average total loans | $64,378,250 | 3,935 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4861% | 5,017 |
| Cost of funding earning assets | 1.5996% | 270 |
| Net interest margin | 1.8865% | 5,251 |
| Noninterest income to average assets | 0.1503% | 4,827 |
| Noninterest expense to average assets | 0.9794% | 5,256 |
| Loan and lease loss provision to assets | 0.0056% | 3,616 |
| Net operating income to assets | 0.9743% | 3,008 |
| Return on assets (ROA) | 0.9803% | 3,059 |
| Pretax return on assets | 0.9427% | 3,730 |
| Return on Equity (ROE) | 7.9544% | 3,313 |
| Retained earnings to average equity (ytd only) | 7.9544% | 1,420 |
| Net charge-offs to loans | 0.0160% | 2,573 |
| Credit loss provision to net charge-offs | 240.0000% | 1,057 |
| Earnings coverage of net charge-offs (x) | 405.0000% | 192 |
| Efficiency ratio | 49.1525% | 4,829 |
| Assets per employee ($millions) | 17.4822% | 72 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4269% | 1,507 |
| Loan loss allowance to noncurrent loans | 350.0000% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.0607% | 4,448 |
| Noncurrent loans to loans | 0.4077% | 3,071 |
| Net loans and leases to total assets | 14.6815% | 5,234 |
| Net loans and leases to deposits | 17.1213% | 5,234 |
| Net loans and leases to core deposits | 24.2123% | 5,206 |
| Total domestic deposits to total assets | 85.7501% | 2,157 |
| Equity capital to assets | 13.3740% | 1,390 |
| Core capital (leverage) ratio | 10.3746% | 3,216 |
| Tier 1 risk-based capital ratio | 28.0079% | 567 |
| Total risk-based capital ratio | 28.6149% | 586 |
| Memoranda: | ||
| Average total assets | $429,851,000 | 1,637 |
| Average earning assets | $403,606,670 | 1,617 |
| Average equity | $52,976,670 | 1,514 |
| Average total loans | $62,375,000 | 4,002 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5031% | 5,047 |
| Cost of funding earning assets | 1.5350% | 290 |
| Net interest margin | 1.9681% | 5,314 |
| Noninterest income to average assets | 0.1514% | 4,838 |
| Noninterest expense to average assets | 1.0117% | 5,318 |
| Loan and lease loss provision to assets | 0.0057% | 3,352 |
| Net operating income to assets | 1.0175% | 2,781 |
| Return on assets (ROA) | 1.0213% | 2,809 |
| Pretax return on assets | 0.9839% | 3,497 |
| Return on Equity (ROE) | 8.6896% | 2,955 |
| Retained earnings to average equity (ytd only) | 8.6896% | 1,423 |
| Net charge-offs to loans | 0.0067% | 2,456 |
| Credit loss provision to net charge-offs | 600.0000% | 535 |
| Earnings coverage of net charge-offs (x) | 1,029.0000% | 51 |
| Efficiency ratio | 48.8249% | 4,909 |
| Assets per employee ($millions) | 16.5164% | 82 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5384% | 1,217 |
| Loan loss allowance to noncurrent loans | 320.2658% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.0701% | 4,470 |
| Noncurrent loans to loans | 0.4804% | 2,870 |
| Net loans and leases to total assets | 14.3676% | 5,296 |
| Net loans and leases to deposits | 16.5174% | 5,297 |
| Net loans and leases to core deposits | 22.8233% | 5,269 |
| Total domestic deposits to total assets | 86.9845% | 1,824 |
| Equity capital to assets | 12.2151% | 1,902 |
| Core capital (leverage) ratio | 10.1158% | 3,474 |
| Tier 1 risk-based capital ratio | 27.3534% | 599 |
| Total risk-based capital ratio | 27.9889% | 625 |
| Memoranda: | ||
| Average total assets | $417,508,000 | 1,701 |
| Average earning assets | $391,654,000 | 1,669 |
| Average equity | $49,070,000 | 1,603 |
| Average total loans | $59,713,000 | 4,096 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3378% | 5,055 |
| Cost of funding earning assets | 1.2046% | 338 |
| Net interest margin | 2.1332% | 5,317 |
| Noninterest income to average assets | 0.1521% | 4,954 |
| Noninterest expense to average assets | 1.0637% | 5,343 |
| Loan and lease loss provision to assets | 0.0064% | 3,989 |
| Net operating income to assets | 1.0905% | 2,644 |
| Return on assets (ROA) | 1.0972% | 2,608 |
| Pretax return on assets | 1.0806% | 3,345 |
| Return on Equity (ROE) | 10.2950% | 2,394 |
| Retained earnings to average equity (ytd only) | 10.2950% | 572 |
| Net charge-offs to loans | -0.0679% | 5,056 |
| Credit loss provision to net charge-offs | -70.5882% | 4,361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7386% | 5,054 |
| Assets per employee ($millions) | 15.5996% | 93 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6895% | 851 |
| Loan loss allowance to noncurrent loans | 306.3898% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.0772% | 4,433 |
| Noncurrent loans to loans | 0.5514% | 2,621 |
| Net loans and leases to total assets | 13.7590% | 5,338 |
| Net loans and leases to deposits | 15.5957% | 5,340 |
| Net loans and leases to core deposits | 21.3214% | 5,318 |
| Total domestic deposits to total assets | 88.2226% | 1,200 |
| Equity capital to assets | 11.2638% | 2,460 |
| Core capital (leverage) ratio | 10.3793% | 3,161 |
| Tier 1 risk-based capital ratio | 29.3575% | 496 |
| Total risk-based capital ratio | 30.0547% | 513 |
| Memoranda: | ||
| Average total assets | $373,322,200 | 1,817 |
| Average earning assets | $348,581,000 | 1,818 |
| Average equity | $39,786,200 | 1,877 |
| Average total loans | $50,040,600 | 4,317 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3013% | 5,124 |
| Cost of funding earning assets | 1.1265% | 355 |
| Net interest margin | 2.1748% | 5,387 |
| Noninterest income to average assets | 0.1570% | 4,991 |
| Noninterest expense to average assets | 1.0783% | 5,414 |
| Loan and lease loss provision to assets | 0.0066% | 3,843 |
| Net operating income to assets | 1.1225% | 2,566 |
| Return on assets (ROA) | 1.1349% | 2,531 |
| Pretax return on assets | 1.1148% | 3,336 |
| Return on Equity (ROE) | 10.8198% | 2,252 |
| Retained earnings to average equity (ytd only) | 10.8198% | 691 |
| Net charge-offs to loans | -0.1103% | 5,190 |
| Credit loss provision to net charge-offs | -45.0000% | 4,153 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4132% | 5,080 |
| Assets per employee ($millions) | 15.0981% | 99 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7567% | 786 |
| Loan loss allowance to noncurrent loans | 639.3333% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.0397% | 4,783 |
| Noncurrent loans to loans | 0.2748% | 3,698 |
| Net loans and leases to total assets | 14.2087% | 5,412 |
| Net loans and leases to deposits | 16.0385% | 5,413 |
| Net loans and leases to core deposits | 22.2914% | 5,389 |
| Total domestic deposits to total assets | 88.5911% | 1,006 |
| Equity capital to assets | 10.9452% | 2,711 |
| Core capital (leverage) ratio | 10.6558% | 2,929 |
| Tier 1 risk-based capital ratio | 30.5595% | 453 |
| Total risk-based capital ratio | 31.3042% | 467 |
| Memoranda: | ||
| Average total assets | $365,255,250 | 1,860 |
| Average earning assets | $340,989,500 | 1,857 |
| Average equity | $38,311,500 | 1,933 |
| Average total loans | $48,359,750 | 4,391 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2513% | 5,184 |
| Cost of funding earning assets | 1.0410% | 384 |
| Net interest margin | 2.2103% | 5,441 |
| Noninterest income to average assets | 0.1550% | 5,047 |
| Noninterest expense to average assets | 1.0726% | 5,478 |
| Loan and lease loss provision to assets | 0.0066% | 3,705 |
| Net operating income to assets | 1.1484% | 2,398 |
| Return on assets (ROA) | 1.1673% | 2,324 |
| Pretax return on assets | 1.1545% | 3,115 |
| Return on Equity (ROE) | 11.2996% | 1,990 |
| Retained earnings to average equity (ytd only) | 11.2996% | 615 |
| Net charge-offs to loans | -0.1685% | 5,296 |
| Credit loss provision to net charge-offs | -30.7692% | 3,977 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5500% | 5,187 |
| Assets per employee ($millions) | 15.2282% | 95 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9119% | 619 |
| Loan loss allowance to noncurrent loans | 618.1818% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.0421% | 4,812 |
| Noncurrent loans to loans | 0.3093% | 3,599 |
| Net loans and leases to total assets | 13.3636% | 5,480 |
| Net loans and leases to deposits | 14.9733% | 5,484 |
| Net loans and leases to core deposits | 19.7810% | 5,464 |
| Total domestic deposits to total assets | 89.2497% | 833 |
| Equity capital to assets | 10.3870% | 3,222 |
| Core capital (leverage) ratio | 9.0777% | 4,610 |
| Tier 1 risk-based capital ratio | 26.0500% | 670 |
| Total risk-based capital ratio | 26.8175% | 680 |
| Memoranda: | ||
| Average total assets | $361,189,670 | 1,881 |
| Average earning assets | $336,604,330 | 1,882 |
| Average equity | $37,311,000 | 1,977 |
| Average total loans | $46,283,000 | 4,481 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1914% | 5,241 |
| Cost of funding earning assets | 0.9547% | 462 |
| Net interest margin | 2.2367% | 5,491 |
| Noninterest income to average assets | 0.1471% | 5,129 |
| Noninterest expense to average assets | 1.0650% | 5,550 |
| Loan and lease loss provision to assets | 0.0067% | 3,421 |
| Net operating income to assets | 1.1609% | 2,174 |
| Return on assets (ROA) | 1.1987% | 2,023 |
| Pretax return on assets | 1.1987% | 2,753 |
| Return on Equity (ROE) | 11.6370% | 1,712 |
| Retained earnings to average equity (ytd only) | 11.6370% | 758 |
| Net charge-offs to loans | 0.0090% | 2,415 |
| Credit loss provision to net charge-offs | 600.0000% | 515 |
| Earnings coverage of net charge-offs (x) | 1,048.0000% | 53 |
| Efficiency ratio | 45.8084% | 5,284 |
| Assets per employee ($millions) | 15.2336% | 92 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9797% | 566 |
| Loan loss allowance to noncurrent loans | 190.7368% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.1699% | 4,235 |
| Noncurrent loans to loans | 1.0379% | 1,761 |
| Net loans and leases to total assets | 12.2695% | 5,546 |
| Net loans and leases to deposits | 13.6406% | 5,552 |
| Net loans and leases to core deposits | 17.2603% | 5,533 |
| Total domestic deposits to total assets | 89.9485% | 675 |
| Equity capital to assets | 9.7326% | 3,856 |
| Core capital (leverage) ratio | 8.5747% | 5,086 |
| Tier 1 risk-based capital ratio | 24.7992% | 762 |
| Total risk-based capital ratio | 25.5677% | 791 |
| Memoranda: | ||
| Average total assets | $359,046,000 | 1,902 |
| Average earning assets | $334,774,500 | 1,901 |
| Average equity | $36,985,500 | 1,999 |
| Average total loans | $44,528,000 | 4,580 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2322% | 5,154 |
| Cost of funding earning assets | 0.8934% | 388 |
| Net interest margin | 2.3388% | 5,492 |
| Noninterest income to average assets | 0.1792% | 5,061 |
| Noninterest expense to average assets | 1.2599% | 5,571 |
| Loan and lease loss provision to assets | 0.0388% | 3,496 |
| Net operating income to assets | 1.2819% | 1,271 |
| Return on assets (ROA) | 1.2815% | 1,293 |
| Pretax return on assets | 1.0501% | 3,380 |
| Return on Equity (ROE) | 11.7833% | 1,271 |
| Retained earnings to average equity (ytd only) | 11.7833% | 190 |
| Net charge-offs to loans | -0.0418% | 5,138 |
| Credit loss provision to net charge-offs | -677.7778% | 4,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5989% | 5,127 |
| Assets per employee ($millions) | 14.6869% | 101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0812% | 460 |
| Loan loss allowance to noncurrent loans | 201.1161% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 0.1685% | 4,293 |
| Noncurrent loans to loans | 1.0348% | 1,719 |
| Net loans and leases to total assets | 12.0263% | 5,616 |
| Net loans and leases to deposits | 13.5616% | 5,621 |
| Net loans and leases to core deposits | 17.5446% | 5,604 |
| Total domestic deposits to total assets | 88.6793% | 1,160 |
| Equity capital to assets | 10.8906% | 2,742 |
| Core capital (leverage) ratio | 8.2344% | 5,330 |
| Tier 1 risk-based capital ratio | 24.2440% | 798 |
| Total risk-based capital ratio | 25.0439% | 818 |
| Memoranda: | ||
| Average total assets | $314,154,200 | 2,095 |
| Average earning assets | $291,474,400 | 2,091 |
| Average equity | $34,167,000 | 2,126 |
| Average total loans | $43,103,200 | 4,639 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2529% | 5,169 |
| Cost of funding earning assets | 0.8728% | 409 |
| Net interest margin | 2.3801% | 5,538 |
| Noninterest income to average assets | 0.1860% | 5,085 |
| Noninterest expense to average assets | 1.2568% | 5,638 |
| Loan and lease loss provision to assets | 0.0236% | 3,674 |
| Net operating income to assets | 0.9606% | 2,722 |
| Return on assets (ROA) | 0.9613% | 2,775 |
| Pretax return on assets | 1.1137% | 3,256 |
| Return on Equity (ROE) | 8.8426% | 2,702 |
| Retained earnings to average equity (ytd only) | 8.8426% | 897 |
| Net charge-offs to loans | -0.0681% | 5,266 |
| Credit loss provision to net charge-offs | -245.4545% | 4,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4481% | 5,216 |
| Assets per employee ($millions) | 13.0745% | 142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8630% | 760 |
| Loan loss allowance to noncurrent loans | 295.7597% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 0.0866% | 4,809 |
| Noncurrent loans to loans | 0.6299% | 2,816 |
| Net loans and leases to total assets | 13.4888% | 5,678 |
| Net loans and leases to deposits | 15.3285% | 5,681 |
| Net loans and leases to core deposits | 20.0986% | 5,657 |
| Total domestic deposits to total assets | 87.9986% | 1,362 |
| Equity capital to assets | 11.5137% | 2,354 |
| Core capital (leverage) ratio | 8.2104% | 5,416 |
| Tier 1 risk-based capital ratio | 23.4827% | 900 |
| Total risk-based capital ratio | 24.2507% | 934 |
| Memoranda: | ||
| Average total assets | $304,571,250 | 2,160 |
| Average earning assets | $282,447,500 | 2,160 |
| Average equity | $33,111,750 | 2,184 |
| Average total loans | $43,056,000 | 4,685 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2398% | 5,193 |
| Cost of funding earning assets | 0.8514% | 403 |
| Net interest margin | 2.3884% | 5,576 |
| Noninterest income to average assets | 0.1716% | 5,192 |
| Noninterest expense to average assets | 1.2721% | 5,683 |
| Loan and lease loss provision to assets | 0.0242% | 3,516 |
| Net operating income to assets | 0.9383% | 2,729 |
| Return on assets (ROA) | 0.9383% | 2,786 |
| Pretax return on assets | 1.0864% | 3,232 |
| Return on Equity (ROE) | 8.8216% | 2,592 |
| Retained earnings to average equity (ytd only) | 8.8216% | 892 |
| Net charge-offs to loans | -0.1131% | 5,443 |
| Credit loss provision to net charge-offs | -150.0000% | 4,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2712% | 5,225 |
| Assets per employee ($millions) | 12.9938% | 136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8662% | 767 |
| Loan loss allowance to noncurrent loans | 287.0629% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.0880% | 4,840 |
| Noncurrent loans to loans | 0.6501% | 2,791 |
| Net loans and leases to total assets | 13.2904% | 5,727 |
| Net loans and leases to deposits | 15.0489% | 5,732 |
| Net loans and leases to core deposits | 20.1596% | 5,706 |
| Total domestic deposits to total assets | 88.3147% | 1,298 |
| Equity capital to assets | 11.2506% | 2,543 |
| Core capital (leverage) ratio | 8.1251% | 5,473 |
| Tier 1 risk-based capital ratio | 23.8178% | 871 |
| Total risk-based capital ratio | 24.6075% | 893 |
| Memoranda: | ||
| Average total assets | $297,140,670 | 2,205 |
| Average earning assets | $275,081,000 | 2,199 |
| Average equity | $31,604,330 | 2,258 |
| Average total loans | $42,432,330 | 4,734 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2090% | 5,238 |
| Cost of funding earning assets | 0.8287% | 419 |
| Net interest margin | 2.3803% | 5,625 |
| Noninterest income to average assets | 0.1694% | 5,260 |
| Noninterest expense to average assets | 1.2976% | 5,736 |
| Loan and lease loss provision to assets | 0.0254% | 3,241 |
| Net operating income to assets | 0.9008% | 2,761 |
| Return on assets (ROA) | 0.9008% | 2,815 |
| Pretax return on assets | 1.0406% | 3,197 |
| Return on Equity (ROE) | 8.7598% | 2,534 |
| Retained earnings to average equity (ytd only) | 8.7598% | 1,160 |
| Net charge-offs to loans | -0.2113% | 5,631 |
| Credit loss provision to net charge-offs | -81.8182% | 3,916 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6284% | 5,237 |
| Assets per employee ($millions) | 12.1158% | 168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9153% | 764 |
| Loan loss allowance to noncurrent loans | 212.4668% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 0.1297% | 4,740 |
| Noncurrent loans to loans | 0.9015% | 2,231 |
| Net loans and leases to total assets | 14.1069% | 5,792 |
| Net loans and leases to deposits | 15.7896% | 5,791 |
| Net loans and leases to core deposits | 20.7957% | 5,764 |
| Total domestic deposits to total assets | 89.3431% | 980 |
| Equity capital to assets | 10.3814% | 3,317 |
| Core capital (leverage) ratio | 8.0850% | 5,515 |
| Tier 1 risk-based capital ratio | 23.3772% | 932 |
| Total risk-based capital ratio | 24.2196% | 961 |
| Memoranda: | ||
| Average total assets | $283,289,000 | 2,301 |
| Average earning assets | $261,140,000 | 2,313 |
| Average equity | $29,133,000 | 2,438 |
| Average total loans | $41,651,500 | 4,799 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1324% | 5,371 |
| Cost of funding earning assets | 0.8303% | 431 |
| Net interest margin | 2.3021% | 5,709 |
| Noninterest income to average assets | 0.2299% | 5,037 |
| Noninterest expense to average assets | 1.4615% | 5,737 |
| Loan and lease loss provision to assets | 0.0289% | 3,774 |
| Net operating income to assets | 0.7371% | 3,606 |
| Return on assets (ROA) | 0.7731% | 3,538 |
| Pretax return on assets | 0.8933% | 3,871 |
| Return on Equity (ROE) | 6.4048% | 3,789 |
| Retained earnings to average equity (ytd only) | 6.4048% | 1,497 |
| Net charge-offs to loans | 0.0842% | 2,488 |
| Credit loss provision to net charge-offs | 211.7647% | 1,346 |
| Earnings coverage of net charge-offs (x) | 64.4706% | 843 |
| Efficiency ratio | 59.8216% | 4,610 |
| Assets per employee ($millions) | 11.4916% | 196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8345% | 893 |
| Loan loss allowance to noncurrent loans | 167.6211% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.1646% | 4,663 |
| Noncurrent loans to loans | 1.0945% | 1,905 |
| Net loans and leases to total assets | 14.7647% | 5,845 |
| Net loans and leases to deposits | 16.4920% | 5,851 |
| Net loans and leases to core deposits | 21.7826% | 5,820 |
| Total domestic deposits to total assets | 89.5268% | 847 |
| Equity capital to assets | 10.1810% | 3,507 |
| Core capital (leverage) ratio | 8.0054% | 5,616 |
| Tier 1 risk-based capital ratio | 22.4746% | 1,020 |
| Total risk-based capital ratio | 23.2856% | 1,048 |
| Memoranda: | ||
| Average total assets | $248,855,400 | 2,514 |
| Average earning assets | $228,357,400 | 2,529 |
| Average equity | $30,040,200 | 2,345 |
| Average total loans | $40,386,800 | 4,866 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1216% | 5,451 |
| Cost of funding earning assets | 0.8193% | 450 |
| Net interest margin | 2.3023% | 5,772 |
| Noninterest income to average assets | 0.2258% | 5,117 |
| Noninterest expense to average assets | 1.5012% | 5,758 |
| Loan and lease loss provision to assets | 0.0297% | 3,645 |
| Net operating income to assets | 0.7034% | 3,826 |
| Return on assets (ROA) | 0.7522% | 3,726 |
| Pretax return on assets | 0.8635% | 4,108 |
| Return on Equity (ROE) | 5.9655% | 4,079 |
| Retained earnings to average equity (ytd only) | 5.9655% | 2,202 |
| Net charge-offs to loans | 0.0831% | 2,137 |
| Credit loss provision to net charge-offs | 216.0000% | 1,358 |
| Earnings coverage of net charge-offs (x) | 60.8047% | 943 |
| Efficiency ratio | 61.5403% | 4,308 |
| Assets per employee ($millions) | 12.3282% | 152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8021% | 1,011 |
| Loan loss allowance to noncurrent loans | 186.6005% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 0.1486% | 4,847 |
| Noncurrent loans to loans | 0.9657% | 2,308 |
| Net loans and leases to total assets | 15.1087% | 5,913 |
| Net loans and leases to deposits | 17.4151% | 5,916 |
| Net loans and leases to core deposits | 23.2050% | 5,888 |
| Total domestic deposits to total assets | 86.7566% | 2,002 |
| Equity capital to assets | 12.5348% | 1,753 |
| Core capital (leverage) ratio | 8.0666% | 5,653 |
| Tier 1 risk-based capital ratio | 22.1456% | 1,122 |
| Total risk-based capital ratio | 22.9887% | 1,150 |
| Memoranda: | ||
| Average total assets | $242,119,500 | 2,572 |
| Average earning assets | $222,146,250 | 2,582 |
| Average equity | $30,530,500 | 2,329 |
| Average total loans | $40,113,000 | 4,919 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1546% | 5,496 |
| Cost of funding earning assets | 0.8143% | 454 |
| Net interest margin | 2.3403% | 5,841 |
| Noninterest income to average assets | 0.2237% | 5,147 |
| Noninterest expense to average assets | 1.5326% | 5,815 |
| Loan and lease loss provision to assets | 0.0310% | 3,506 |
| Net operating income to assets | 0.6985% | 3,796 |
| Return on assets (ROA) | 0.7486% | 3,708 |
| Pretax return on assets | 0.8597% | 4,083 |
| Return on Equity (ROE) | 5.9234% | 4,085 |
| Retained earnings to average equity (ytd only) | 5.9234% | 2,162 |
| Net charge-offs to loans | 0.1213% | 1,624 |
| Credit loss provision to net charge-offs | 150.0000% | 1,584 |
| Earnings coverage of net charge-offs (x) | 40.3333% | 1,151 |
| Efficiency ratio | 62.0589% | 4,339 |
| Assets per employee ($millions) | 10.9493% | 209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8204% | 1,047 |
| Loan loss allowance to noncurrent loans | 310.1266% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.1100% | 5,071 |
| Noncurrent loans to loans | 0.5870% | 3,307 |
| Net loans and leases to total assets | 15.7405% | 5,981 |
| Net loans and leases to deposits | 18.3121% | 5,989 |
| Net loans and leases to core deposits | 24.2949% | 5,951 |
| Total domestic deposits to total assets | 85.9570% | 2,440 |
| Equity capital to assets | 13.2758% | 1,340 |
| Core capital (leverage) ratio | 8.0666% | 5,689 |
| Tier 1 risk-based capital ratio | 22.2766% | 1,107 |
| Total risk-based capital ratio | 23.1576% | 1,129 |
| Memoranda: | ||
| Average total assets | $232,419,000 | 2,660 |
| Average earning assets | $212,703,670 | 2,691 |
| Average equity | $29,375,000 | 2,414 |
| Average total loans | $39,574,000 | 4,986 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1170% | 5,590 |
| Cost of funding earning assets | 0.7881% | 521 |
| Net interest margin | 2.3289% | 5,916 |
| Noninterest income to average assets | 0.2155% | 5,197 |
| Noninterest expense to average assets | 1.6218% | 5,814 |
| Loan and lease loss provision to assets | 0.0323% | 3,227 |
| Net operating income to assets | 0.5978% | 4,185 |
| Return on assets (ROA) | 0.7040% | 3,807 |
| Pretax return on assets | 0.8064% | 4,174 |
| Return on Equity (ROE) | 5.7339% | 4,114 |
| Retained earnings to average equity (ytd only) | 5.7339% | 2,503 |
| Net charge-offs to loans | 0.5922% | 372 |
| Credit loss provision to net charge-offs | 31.0345% | 2,215 |
| Earnings coverage of net charge-offs (x) | 6.8793% | 2,201 |
| Efficiency ratio | 66.4363% | 3,726 |
| Assets per employee ($millions) | 10.8680% | 215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7550% | 1,235 |
| Loan loss allowance to noncurrent loans | 210.8025% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.1522% | 4,967 |
| Noncurrent loans to loans | 0.8325% | 2,759 |
| Net loans and leases to total assets | 15.9910% | 6,030 |
| Net loans and leases to deposits | 18.2725% | 6,039 |
| Net loans and leases to core deposits | 24.4627% | 5,998 |
| Total domestic deposits to total assets | 87.5139% | 1,913 |
| Equity capital to assets | 12.0303% | 2,019 |
| Core capital (leverage) ratio | 8.1304% | 5,702 |
| Tier 1 risk-based capital ratio | 21.5386% | 1,227 |
| Total risk-based capital ratio | 22.4175% | 1,261 |
| Memoranda: | ||
| Average total assets | $222,711,500 | 2,755 |
| Average earning assets | $203,015,000 | 2,790 |
| Average equity | $27,346,000 | 2,574 |
| Average total loans | $39,173,500 | 5,040 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4789% | 4,975 |
| Cost of funding earning assets | 0.6158% | 1,275 |
| Net interest margin | 2.8631% | 5,397 |
| Noninterest income to average assets | 0.2586% | 5,042 |
| Noninterest expense to average assets | 1.9847% | 5,485 |
| Loan and lease loss provision to assets | 0.0182% | 4,041 |
| Net operating income to assets | 0.7129% | 3,752 |
| Return on assets (ROA) | 0.7458% | 3,690 |
| Pretax return on assets | 0.8420% | 4,055 |
| Return on Equity (ROE) | 5.0571% | 4,479 |
| Retained earnings to average equity (ytd only) | 5.0571% | 2,373 |
| Net charge-offs to loans | 0.0415% | 3,388 |
| Credit loss provision to net charge-offs | 175.0000% | 1,547 |
| Earnings coverage of net charge-offs (x) | 79.1875% | 709 |
| Efficiency ratio | 67.2143% | 3,711 |
| Assets per employee ($millions) | 9.3785% | 334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8336% | 1,075 |
| Loan loss allowance to noncurrent loans | 236.2745% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 0.1677% | 4,932 |
| Noncurrent loans to loans | 0.7761% | 2,846 |
| Net loans and leases to total assets | 18.7601% | 6,064 |
| Net loans and leases to deposits | 21.5601% | 6,073 |
| Net loans and leases to core deposits | 27.6443% | 6,024 |
| Total domestic deposits to total assets | 87.0133% | 2,127 |
| Equity capital to assets | 12.5665% | 1,587 |
| Core capital (leverage) ratio | 8.1343% | 5,752 |
| Tier 1 risk-based capital ratio | 20.6081% | 1,366 |
| Total risk-based capital ratio | 21.6340% | 1,388 |
| Memoranda: | ||
| Average total assets | $153,924,800 | 3,509 |
| Average earning assets | $137,053,200 | 3,576 |
| Average equity | $22,700,800 | 2,904 |
| Average total loans | $38,554,000 | 5,066 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5788% | 4,797 |
| Cost of funding earning assets | 0.5563% | 1,750 |
| Net interest margin | 3.0225% | 5,146 |
| Noninterest income to average assets | 0.2802% | 4,940 |
| Noninterest expense to average assets | 2.0981% | 5,275 |
| Loan and lease loss provision to assets | 0.0151% | 3,964 |
| Net operating income to assets | 0.7264% | 3,780 |
| Return on assets (ROA) | 0.7508% | 3,773 |
| Pretax return on assets | 0.8701% | 4,094 |
| Return on Equity (ROE) | 4.8292% | 4,702 |
| Retained earnings to average equity (ytd only) | 4.8292% | 3,030 |
| Net charge-offs to loans | 0.0104% | 3,809 |
| Credit loss provision to net charge-offs | 533.3333% | 615 |
| Earnings coverage of net charge-offs (x) | 301.6600% | 240 |
| Efficiency ratio | 67.3822% | 3,650 |
| Assets per employee ($millions) | 8.1067% | 514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8588% | 1,154 |
| Loan loss allowance to noncurrent loans | 117.5325% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 0.3877% | 4,216 |
| Noncurrent loans to loans | 1.5815% | 1,574 |
| Net loans and leases to total assets | 22.4541% | 6,114 |
| Net loans and leases to deposits | 27.8362% | 6,104 |
| Net loans and leases to core deposits | 35.6999% | 6,019 |
| Total domestic deposits to total assets | 80.6651% | 4,560 |
| Equity capital to assets | 13.1484% | 1,374 |
| Core capital (leverage) ratio | 8.5800% | 5,483 |
| Tier 1 risk-based capital ratio | 18.5152% | 1,893 |
| Total risk-based capital ratio | 19.6180% | 1,896 |
| Memoranda: | ||
| Average total assets | $140,824,500 | 3,743 |
| Average earning assets | $124,619,500 | 3,835 |
| Average equity | $21,894,000 | 3,002 |
| Average total loans | $38,335,000 | 5,129 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6593% | 4,544 |
| Cost of funding earning assets | 0.5418% | 1,892 |
| Net interest margin | 3.1175% | 4,923 |
| Noninterest income to average assets | 0.2732% | 4,993 |
| Noninterest expense to average assets | 2.2027% | 5,108 |
| Loan and lease loss provision to assets | 0.0061% | 3,976 |
| Net operating income to assets | 0.6964% | 3,907 |
| Return on assets (ROA) | 0.7358% | 3,821 |
| Pretax return on assets | 0.8594% | 4,095 |
| Return on Equity (ROE) | 4.4361% | 4,842 |
| Retained earnings to average equity (ytd only) | 4.4361% | 3,187 |
| Net charge-offs to loans | -0.0944% | 5,768 |
| Credit loss provision to net charge-offs | -22.2222% | 4,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0909% | 3,475 |
| Assets per employee ($millions) | 6.2053% | 1,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8819% | 1,205 |
| Loan loss allowance to noncurrent loans | 134.9908% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 0.3978% | 4,313 |
| Noncurrent loans to loans | 1.3941% | 1,936 |
| Net loans and leases to total assets | 27.9943% | 6,096 |
| Net loans and leases to deposits | 34.0840% | 6,081 |
| Net loans and leases to core deposits | 37.5099% | 6,037 |
| Total domestic deposits to total assets | 82.1334% | 4,249 |
| Equity capital to assets | 15.3973% | 629 |
| Core capital (leverage) ratio | 9.3171% | 4,528 |
| Tier 1 risk-based capital ratio | 21.9148% | 1,222 |
| Total risk-based capital ratio | 23.1656% | 1,202 |
| Memoranda: | ||
| Average total assets | $131,019,000 | 3,946 |
| Average earning assets | $115,540,000 | 4,039 |
| Average equity | $21,730,670 | 3,030 |
| Average total loans | $38,130,000 | 5,178 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6272% | 4,606 |
| Cost of funding earning assets | 0.5182% | 2,126 |
| Net interest margin | 3.1091% | 4,924 |
| Noninterest income to average assets | 0.2464% | 5,196 |
| Noninterest expense to average assets | 2.2453% | 5,020 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6337% | 4,126 |
| Return on assets (ROA) | 0.7141% | 3,856 |
| Pretax return on assets | 0.8264% | 4,145 |
| Return on Equity (ROE) | 4.1474% | 4,915 |
| Retained earnings to average equity (ytd only) | 4.1474% | 3,517 |
| Net charge-offs to loans | 0.0424% | 2,385 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 58.7500% | 750 |
| Efficiency ratio | 71.4136% | 3,268 |
| Assets per employee ($millions) | 5.9945% | 1,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8667% | 1,351 |
| Loan loss allowance to noncurrent loans | 128.3122% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 0.4178% | 4,360 |
| Noncurrent loans to loans | 1.4548% | 1,953 |
| Net loans and leases to total assets | 28.1829% | 6,127 |
| Net loans and leases to deposits | 34.0732% | 6,121 |
| Net loans and leases to core deposits | 36.7637% | 6,081 |
| Total domestic deposits to total assets | 82.7128% | 4,270 |
| Equity capital to assets | 16.8193% | 453 |
| Core capital (leverage) ratio | 9.8376% | 3,840 |
| Tier 1 risk-based capital ratio | 21.7856% | 1,277 |
| Total risk-based capital ratio | 23.0365% | 1,251 |
| Memoranda: | ||
| Average total assets | $128,270,000 | 4,020 |
| Average earning assets | $112,702,500 | 4,128 |
| Average equity | $22,086,000 | 3,008 |
| Average total loans | $37,720,000 | 5,223 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0959% | 6,412 |
| Cost of funding earning assets | 0.2608% | 5,215 |
| Net interest margin | 1.8351% | 6,401 |
| Noninterest income to average assets | 0.1642% | 5,876 |
| Noninterest expense to average assets | 1.2246% | 6,410 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4921% | 4,840 |
| Return on assets (ROA) | 0.5662% | 4,614 |
| Pretax return on assets | 0.6918% | 4,657 |
| Return on Equity (ROE) | 3.8620% | 5,177 |
| Retained earnings to average equity (ytd only) | 3.8620% | 3,474 |
| Net charge-offs to loans | 0.0477% | 3,872 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 36.0526% | 1,174 |
| Efficiency ratio | 62.8365% | 4,777 |
| Assets per employee ($millions) | 5.9363% | 1,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8927% | 1,335 |
| Loan loss allowance to noncurrent loans | 123.8676% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 0.4604% | 4,278 |
| Noncurrent loans to loans | 1.5280% | 1,921 |
| Net loans and leases to total assets | 29.5639% | 6,190 |
| Net loans and leases to deposits | 36.6428% | 6,151 |
| Net loans and leases to core deposits | 37.8427% | 6,152 |
| Total domestic deposits to total assets | 80.6814% | 4,834 |
| Equity capital to assets | 17.6405% | 351 |
| Core capital (leverage) ratio | 8.7381% | 5,310 |
| Tier 1 risk-based capital ratio | 23.1475% | 1,064 |
| Total risk-based capital ratio | 24.3788% | 1,042 |
| Memoranda: | ||
| Average total assets | $113,913,600 | 4,302 |
| Average earning assets | $103,156,200 | 4,326 |
| Average equity | $16,701,400 | 3,575 |
| Average total loans | $39,842,600 | 5,190 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5760% | 6,530 |
| Cost of funding earning assets | 0.1757% | 6,029 |
| Net interest margin | 1.4003% | 6,523 |
| Noninterest income to average assets | 0.1367% | 6,090 |
| Noninterest expense to average assets | 0.9686% | 6,528 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3949% | 5,264 |
| Return on assets (ROA) | 0.4339% | 5,208 |
| Pretax return on assets | 0.4927% | 5,338 |
| Return on Equity (ROE) | 3.1384% | 5,491 |
| Retained earnings to average equity (ytd only) | 3.1384% | 4,390 |
| Net charge-offs to loans | 0.0297% | 3,894 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 41.5542% | 1,098 |
| Efficiency ratio | 64.1286% | 4,518 |
| Assets per employee ($millions) | 5.8627% | 1,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8569% | 1,559 |
| Loan loss allowance to noncurrent loans | 126.4912% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 0.4630% | 4,503 |
| Noncurrent loans to loans | 1.4680% | 2,211 |
| Net loans and leases to total assets | 30.9519% | 6,225 |
| Net loans and leases to deposits | 37.6875% | 6,195 |
| Net loans and leases to core deposits | 38.9308% | 6,208 |
| Total domestic deposits to total assets | 82.1276% | 4,438 |
| Equity capital to assets | 17.1999% | 405 |
| Core capital (leverage) ratio | 8.9545% | 5,129 |
| Tier 1 risk-based capital ratio | 22.6642% | 1,165 |
| Total risk-based capital ratio | 23.9187% | 1,146 |
| Memoranda: | ||
| Average total assets | $111,226,500 | 4,397 |
| Average earning assets | $101,689,750 | 4,396 |
| Average equity | $15,379,000 | 3,789 |
| Average total loans | $40,411,750 | 5,222 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5617% | 6,630 |
| Cost of funding earning assets | 0.0441% | 6,590 |
| Net interest margin | 0.5176% | 6,632 |
| Noninterest income to average assets | 0.0261% | 6,500 |
| Noninterest expense to average assets | 0.3412% | 6,638 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1470% | 5,955 |
| Return on assets (ROA) | 0.1995% | 5,897 |
| Pretax return on assets | 0.2256% | 5,913 |
| Return on Equity (ROE) | 1.5915% | 5,933 |
| Retained earnings to average equity (ytd only) | 1.5915% | 5,106 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8676% | 4,881 |
| Assets per employee ($millions) | 6.0624% | 1,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7799% | 1,898 |
| Loan loss allowance to noncurrent loans | 129.6625% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 0.4643% | 4,602 |
| Noncurrent loans to loans | 1.3727% | 2,518 |
| Net loans and leases to total assets | 33.2247% | 6,189 |
| Net loans and leases to deposits | 40.4393% | 6,134 |
| Net loans and leases to core deposits | 41.4611% | 6,172 |
| Total domestic deposits to total assets | 82.1596% | 4,592 |
| Equity capital to assets | 17.2177% | 389 |
| Core capital (leverage) ratio | 8.8743% | 5,201 |
| Tier 1 risk-based capital ratio | 22.0585% | 1,250 |
| Total risk-based capital ratio | 23.3143% | 1,229 |
| Memoranda: | ||
| Average total assets | $107,263,000 | 4,507 |
| Average earning assets | $99,690,330 | 4,477 |
| Average equity | $13,446,670 | 4,146 |
| Average total loans | $40,939,670 | 5,232 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6805% | 4,915 |
| Cost of funding earning assets | 0.1828% | 6,138 |
| Net interest margin | 3.4978% | 3,699 |
| Noninterest income to average assets | 0.2234% | 5,567 |
| Noninterest expense to average assets | 2.4174% | 4,877 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9893% | 2,249 |
| Return on assets (ROA) | 0.9893% | 2,306 |
| Pretax return on assets | 1.1648% | 2,639 |
| Return on Equity (ROE) | 10.1932% | 1,962 |
| Retained earnings to average equity (ytd only) | 10.1932% | 915 |
| Net charge-offs to loans | 0.2054% | 1,517 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 13.9048% | 1,640 |
| Efficiency ratio | 67.4833% | 4,276 |
| Assets per employee ($millions) | 4.9916% | 2,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7978% | 2,051 |
| Loan loss allowance to noncurrent loans | 198.9160% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 0.3696% | 5,051 |
| Noncurrent loans to loans | 0.9038% | 3,620 |
| Net loans and leases to total assets | 40.1609% | 5,796 |
| Net loans and leases to deposits | 44.7761% | 5,930 |
| Net loans and leases to core deposits | 45.8819% | 5,999 |
| Total domestic deposits to total assets | 89.6926% | 1,247 |
| Equity capital to assets | 9.9238% | 3,936 |
| Core capital (leverage) ratio | 9.9843% | 3,593 |
| Tier 1 risk-based capital ratio | 23.6236% | 1,056 |
| Total risk-based capital ratio | 24.8784% | 1,039 |
| Memoranda: | ||
| Average total assets | $100,271,000 | 4,730 |
| Average earning assets | $96,290,000 | 4,615 |
| Average equity | $9,732,000 | 4,882 |
| Average total loans | $40,902,500 | 5,281 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7710% | 4,906 |
| Cost of funding earning assets | 0.2371% | 6,050 |
| Net interest margin | 3.5339% | 3,745 |
| Noninterest income to average assets | 0.3523% | 4,792 |
| Noninterest expense to average assets | 2.3210% | 5,313 |
| Loan and lease loss provision to assets | 0.0118% | 4,890 |
| Net operating income to assets | 1.1375% | 1,802 |
| Return on assets (ROA) | 1.2169% | 1,573 |
| Pretax return on assets | 1.5114% | 1,409 |
| Return on Equity (ROE) | 13.0124% | 1,165 |
| Retained earnings to average equity (ytd only) | 10.1580% | 539 |
| Net charge-offs to loans | 0.0216% | 5,003 |
| Credit loss provision to net charge-offs | 133.3333% | 1,758 |
| Earnings coverage of net charge-offs (x) | 161.3333% | 288 |
| Efficiency ratio | 61.9597% | 5,223 |
| Assets per employee ($millions) | 5.0356% | 2,142 |
| Cash dividends to net income (ytd only)* | 21.9355% | 3,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8449% | 1,934 |
| Loan loss allowance to noncurrent loans | 220.4082% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.3406% | 5,248 |
| Noncurrent loans to loans | 0.8370% | 3,888 |
| Net loans and leases to total assets | 39.9380% | 5,970 |
| Net loans and leases to deposits | 44.2623% | 6,108 |
| Net loans and leases to core deposits | 45.7718% | 6,147 |
| Total domestic deposits to total assets | 90.2305% | 946 |
| Equity capital to assets | 9.4895% | 4,441 |
| Core capital (leverage) ratio | 9.8745% | 3,737 |
| Tier 1 risk-based capital ratio | 22.8632% | 1,116 |
| Total risk-based capital ratio | 24.1195% | 1,093 |
| Memoranda: | ||
| Average total assets | $101,894,200 | 4,696 |
| Average earning assets | $97,852,400 | 4,570 |
| Average equity | $9,529,400 | 4,966 |
| Average total loans | $41,611,200 | 5,280 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7524% | 5,026 |
| Cost of funding earning assets | 0.2525% | 6,068 |
| Net interest margin | 3.4999% | 3,882 |
| Noninterest income to average assets | 0.3601% | 4,818 |
| Noninterest expense to average assets | 2.2767% | 5,415 |
| Loan and lease loss provision to assets | 0.0157% | 4,701 |
| Net operating income to assets | 1.1456% | 1,831 |
| Return on assets (ROA) | 1.2499% | 1,559 |
| Pretax return on assets | 1.5618% | 1,440 |
| Return on Equity (ROE) | 13.4135% | 1,136 |
| Retained earnings to average equity (ytd only) | 13.4135% | 298 |
| Net charge-offs to loans | 0.0479% | 4,224 |
| Credit loss provision to net charge-offs | 80.0000% | 2,849 |
| Earnings coverage of net charge-offs (x) | 73.9315% | 640 |
| Efficiency ratio | 61.1423% | 5,255 |
| Assets per employee ($millions) | 4.9874% | 2,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7886% | 2,341 |
| Loan loss allowance to noncurrent loans | 185.1852% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 0.4471% | 5,092 |
| Noncurrent loans to loans | 0.9658% | 3,882 |
| Net loans and leases to total assets | 41.2870% | 5,950 |
| Net loans and leases to deposits | 45.8991% | 6,106 |
| Net loans and leases to core deposits | 47.4841% | 6,148 |
| Total domestic deposits to total assets | 89.9517% | 1,026 |
| Equity capital to assets | 9.6152% | 4,396 |
| Core capital (leverage) ratio | 9.8659% | 3,866 |
| Tier 1 risk-based capital ratio | 22.4799% | 1,227 |
| Total risk-based capital ratio | 23.7348% | 1,207 |
| Memoranda: | ||
| Average total assets | $102,190,000 | 4,733 |
| Average earning assets | $98,210,500 | 4,605 |
| Average equity | $9,522,500 | 5,028 |
| Average total loans | $41,769,500 | 5,323 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6839% | 5,194 |
| Cost of funding earning assets | 0.2643% | 6,082 |
| Net interest margin | 3.4196% | 4,114 |
| Noninterest income to average assets | 0.3728% | 4,729 |
| Noninterest expense to average assets | 2.2795% | 5,423 |
| Loan and lease loss provision to assets | 0.0233% | 4,447 |
| Net operating income to assets | 1.0916% | 1,947 |
| Return on assets (ROA) | 1.2174% | 1,649 |
| Pretax return on assets | 1.5184% | 1,564 |
| Return on Equity (ROE) | 13.2005% | 1,194 |
| Retained earnings to average equity (ytd only) | 13.2005% | 358 |
| Net charge-offs to loans | 0.0815% | 3,555 |
| Credit loss provision to net charge-offs | 70.5882% | 2,809 |
| Earnings coverage of net charge-offs (x) | 41.9412% | 899 |
| Efficiency ratio | 62.2152% | 5,145 |
| Assets per employee ($millions) | 5.0090% | 2,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8045% | 2,424 |
| Loan loss allowance to noncurrent loans | 179.3765% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.4572% | 5,130 |
| Noncurrent loans to loans | 1.0060% | 3,924 |
| Net loans and leases to total assets | 40.6299% | 6,004 |
| Net loans and leases to deposits | 45.0484% | 6,165 |
| Net loans and leases to core deposits | 46.7813% | 6,193 |
| Total domestic deposits to total assets | 90.1917% | 918 |
| Equity capital to assets | 9.4370% | 4,668 |
| Core capital (leverage) ratio | 9.3989% | 4,390 |
| Tier 1 risk-based capital ratio | 22.4051% | 1,220 |
| Total risk-based capital ratio | 23.6618% | 1,198 |
| Memoranda: | ||
| Average total assets | $103,004,000 | 4,746 |
| Average earning assets | $99,134,330 | 4,612 |
| Average equity | $9,499,670 | 5,056 |
| Average total loans | $41,715,000 | 5,343 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5996% | 5,459 |
| Cost of funding earning assets | 0.2787% | 6,115 |
| Net interest margin | 3.3209% | 4,437 |
| Noninterest income to average assets | 0.4022% | 4,437 |
| Noninterest expense to average assets | 2.2793% | 5,475 |
| Loan and lease loss provision to assets | 0.0460% | 3,840 |
| Net operating income to assets | 1.0315% | 2,103 |
| Return on assets (ROA) | 1.1339% | 1,848 |
| Pretax return on assets | 1.3983% | 1,860 |
| Return on Equity (ROE) | 12.4337% | 1,311 |
| Retained earnings to average equity (ytd only) | 12.4337% | 641 |
| Net charge-offs to loans | 0.1816% | 2,309 |
| Credit loss provision to net charge-offs | 63.1579% | 2,391 |
| Earnings coverage of net charge-offs (x) | 18.1053% | 1,279 |
| Efficiency ratio | 63.3653% | 5,101 |
| Assets per employee ($millions) | 4.6435% | 2,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7979% | 2,630 |
| Loan loss allowance to noncurrent loans | 173.0858% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 0.4219% | 5,343 |
| Noncurrent loans to loans | 1.0388% | 4,063 |
| Net loans and leases to total assets | 39.8857% | 6,007 |
| Net loans and leases to deposits | 44.2050% | 6,189 |
| Net loans and leases to core deposits | 45.8696% | 6,216 |
| Total domestic deposits to total assets | 90.2288% | 922 |
| Equity capital to assets | 9.3699% | 5,031 |
| Core capital (leverage) ratio | 8.9250% | 5,017 |
| Tier 1 risk-based capital ratio | 20.8491% | 1,573 |
| Total risk-based capital ratio | 22.1037% | 1,544 |
| Memoranda: | ||
| Average total assets | $104,416,000 | 4,764 |
| Average earning assets | $100,455,000 | 4,609 |
| Average equity | $9,522,500 | 5,104 |
| Average total loans | $41,847,000 | 5,385 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9420% | 5,466 |
| Cost of funding earning assets | 0.4330% | 5,698 |
| Net interest margin | 3.5090% | 4,463 |
| Noninterest income to average assets | 0.3497% | 4,970 |
| Noninterest expense to average assets | 2.3708% | 5,492 |
| Loan and lease loss provision to assets | 0.0661% | 4,927 |
| Net operating income to assets | 1.0239% | 2,238 |
| Return on assets (ROA) | 1.1473% | 1,949 |
| Pretax return on assets | 1.4289% | 1,941 |
| Return on Equity (ROE) | 12.5990% | 1,336 |
| Retained earnings to average equity (ytd only) | 9.6061% | 675 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8769% | 4,905 |
| Assets per employee ($millions) | 4.8489% | 2,417 |
| Cash dividends to net income (ytd only)* | 23.7555% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7843% | 2,639 |
| Loan loss allowance to noncurrent loans | 187.3134% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 0.3768% | 5,562 |
| Noncurrent loans to loans | 0.9526% | 4,290 |
| Net loans and leases to total assets | 38.8554% | 6,239 |
| Net loans and leases to deposits | 42.8099% | 6,432 |
| Net loans and leases to core deposits | 44.1826% | 6,457 |
| Total domestic deposits to total assets | 90.7626% | 587 |
| Equity capital to assets | 8.8802% | 5,651 |
| Core capital (leverage) ratio | 8.5052% | 5,603 |
| Tier 1 risk-based capital ratio | 20.0341% | 1,669 |
| Total risk-based capital ratio | 21.2888% | 1,640 |
| Memoranda: | ||
| Average total assets | $99,795,600 | 4,840 |
| Average earning assets | $95,610,400 | 4,708 |
| Average equity | $9,088,000 | 5,202 |
| Average total loans | $40,628,000 | 5,478 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0097% | 5,488 |
| Cost of funding earning assets | 0.4684% | 5,653 |
| Net interest margin | 3.5413% | 4,487 |
| Noninterest income to average assets | 0.3480% | 5,036 |
| Noninterest expense to average assets | 2.3546% | 5,533 |
| Loan and lease loss provision to assets | 0.0734% | 4,747 |
| Net operating income to assets | 1.0628% | 2,241 |
| Return on assets (ROA) | 1.2004% | 1,909 |
| Pretax return on assets | 1.4818% | 1,950 |
| Return on Equity (ROE) | 13.0931% | 1,314 |
| Retained earnings to average equity (ytd only) | 12.4259% | 461 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9589% | 4,984 |
| Assets per employee ($millions) | 4.6758% | 2,634 |
| Cash dividends to net income (ytd only)* | 5.0964% | 3,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8349% | 2,694 |
| Loan loss allowance to noncurrent loans | 173.5363% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 0.4151% | 5,652 |
| Noncurrent loans to loans | 1.0574% | 4,324 |
| Net loans and leases to total assets | 38.5368% | 6,386 |
| Net loans and leases to deposits | 42.7624% | 6,562 |
| Net loans and leases to core deposits | 44.1950% | 6,589 |
| Total domestic deposits to total assets | 90.1184% | 785 |
| Equity capital to assets | 9.2974% | 5,469 |
| Core capital (leverage) ratio | 8.7313% | 5,427 |
| Tier 1 risk-based capital ratio | 20.7803% | 1,579 |
| Total risk-based capital ratio | 22.0357% | 1,544 |
| Memoranda: | ||
| Average total assets | $98,075,750 | 4,929 |
| Average earning assets | $93,935,750 | 4,798 |
| Average equity | $8,991,750 | 5,276 |
| Average total loans | $40,234,500 | 5,564 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0901% | 5,355 |
| Cost of funding earning assets | 0.4980% | 5,635 |
| Net interest margin | 3.5921% | 4,295 |
| Noninterest income to average assets | 0.3358% | 5,146 |
| Noninterest expense to average assets | 2.4068% | 5,434 |
| Loan and lease loss provision to assets | 0.0871% | 4,498 |
| Net operating income to assets | 1.0454% | 2,265 |
| Return on assets (ROA) | 1.1049% | 2,245 |
| Pretax return on assets | 1.3537% | 2,378 |
| Return on Equity (ROE) | 12.1123% | 1,632 |
| Retained earnings to average equity (ytd only) | 11.0896% | 733 |
| Net charge-offs to loans | -0.0398% | 6,605 |
| Credit loss provision to net charge-offs | -525.0000% | 6,301 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7562% | 4,935 |
| Assets per employee ($millions) | 4.7650% | 2,491 |
| Cash dividends to net income (ytd only)* | 8.4428% | 3,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8377% | 2,740 |
| Loan loss allowance to noncurrent loans | 194.4591% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.3788% | 5,837 |
| Noncurrent loans to loans | 0.9450% | 4,622 |
| Net loans and leases to total assets | 39.3420% | 6,384 |
| Net loans and leases to deposits | 43.5631% | 6,576 |
| Net loans and leases to core deposits | 45.1898% | 6,613 |
| Total domestic deposits to total assets | 90.3104% | 761 |
| Equity capital to assets | 9.1400% | 5,538 |
| Core capital (leverage) ratio | 8.4667% | 5,689 |
| Tier 1 risk-based capital ratio | 19.7648% | 1,771 |
| Total risk-based capital ratio | 21.0195% | 1,737 |
| Memoranda: | ||
| Average total assets | $96,478,330 | 4,995 |
| Average earning assets | $92,370,330 | 4,857 |
| Average equity | $8,801,000 | 5,319 |
| Average total loans | $40,185,000 | 5,596 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1088% | 5,421 |
| Cost of funding earning assets | 0.5213% | 5,670 |
| Net interest margin | 3.5875% | 4,315 |
| Noninterest income to average assets | 0.3380% | 5,154 |
| Noninterest expense to average assets | 2.3615% | 5,593 |
| Loan and lease loss provision to assets | 0.0887% | 4,253 |
| Net operating income to assets | 1.0595% | 2,255 |
| Return on assets (ROA) | 1.0730% | 2,377 |
| Pretax return on assets | 1.3350% | 2,407 |
| Return on Equity (ROE) | 11.7749% | 1,745 |
| Retained earnings to average equity (ytd only) | 11.7749% | 860 |
| Net charge-offs to loans | 0.0099% | 4,583 |
| Credit loss provision to net charge-offs | 2,100.0000% | 145 |
| Earnings coverage of net charge-offs (x) | 333.0000% | 96 |
| Efficiency ratio | 62.6682% | 5,160 |
| Assets per employee ($millions) | 4.5752% | 2,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8126% | 2,951 |
| Loan loss allowance to noncurrent loans | 146.9854% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 0.5006% | 5,610 |
| Noncurrent loans to loans | 1.2332% | 4,278 |
| Net loans and leases to total assets | 39.8599% | 6,358 |
| Net loans and leases to deposits | 44.1149% | 6,551 |
| Net loans and leases to core deposits | 45.5564% | 6,595 |
| Total domestic deposits to total assets | 90.3548% | 889 |
| Equity capital to assets | 9.0894% | 5,373 |
| Core capital (leverage) ratio | 8.6892% | 5,313 |
| Tier 1 risk-based capital ratio | 19.2841% | 1,904 |
| Total risk-based capital ratio | 20.5388% | 1,871 |
| Memoranda: | ||
| Average total assets | $94,684,500 | 5,081 |
| Average earning assets | $90,537,000 | 4,944 |
| Average equity | $8,628,500 | 5,392 |
| Average total loans | $40,225,000 | 5,633 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4621% | 5,211 |
| Cost of funding earning assets | 0.5989% | 6,096 |
| Net interest margin | 3.8632% | 3,503 |
| Noninterest income to average assets | 0.4594% | 4,148 |
| Noninterest expense to average assets | 2.6222% | 5,008 |
| Loan and lease loss provision to assets | 0.0939% | 5,423 |
| Net operating income to assets | 1.1080% | 1,800 |
| Return on assets (ROA) | 1.2597% | 1,451 |
| Pretax return on assets | 1.6218% | 1,159 |
| Return on Equity (ROE) | 14.0861% | 906 |
| Retained earnings to average equity (ytd only) | 10.7239% | 441 |
| Net charge-offs to loans | 0.2017% | 4,532 |
| Credit loss provision to net charge-offs | 101.2048% | 3,437 |
| Earnings coverage of net charge-offs (x) | 16.3976% | 1,330 |
| Efficiency ratio | 63.2857% | 5,246 |
| Assets per employee ($millions) | 4.4424% | 3,001 |
| Cash dividends to net income (ytd only)* | 23.8687% | 3,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6576% | 3,345 |
| Loan loss allowance to noncurrent loans | 126.0550% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 0.5842% | 5,511 |
| Noncurrent loans to loans | 1.3150% | 4,176 |
| Net loans and leases to total assets | 43.6906% | 6,236 |
| Net loans and leases to deposits | 48.5111% | 6,463 |
| Net loans and leases to core deposits | 50.4618% | 6,510 |
| Total domestic deposits to total assets | 90.0632% | 963 |
| Equity capital to assets | 9.1371% | 5,367 |
| Core capital (leverage) ratio | 8.5871% | 5,422 |
| Tier 1 risk-based capital ratio | 18.4744% | 2,054 |
| Total risk-based capital ratio | 19.7288% | 2,018 |
| Memoranda: | ||
| Average total assets | $89,467,600 | 5,198 |
| Average earning assets | $85,317,800 | 5,080 |
| Average equity | $8,000,800 | 5,570 |
| Average total loans | $41,146,600 | 5,636 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5434% | 5,108 |
| Cost of funding earning assets | 0.6082% | 6,255 |
| Net interest margin | 3.9352% | 3,205 |
| Noninterest income to average assets | 0.4670% | 4,154 |
| Noninterest expense to average assets | 2.6120% | 5,032 |
| Loan and lease loss provision to assets | 0.0949% | 5,277 |
| Net operating income to assets | 1.1829% | 1,699 |
| Return on assets (ROA) | 1.3873% | 1,259 |
| Pretax return on assets | 1.7745% | 1,004 |
| Return on Equity (ROE) | 15.6032% | 734 |
| Retained earnings to average equity (ytd only) | 14.8408% | 241 |
| Net charge-offs to loans | 0.1428% | 4,635 |
| Credit loss provision to net charge-offs | 143.1818% | 2,218 |
| Earnings coverage of net charge-offs (x) | 24.2480% | 1,082 |
| Efficiency ratio | 61.9065% | 5,425 |
| Assets per employee ($millions) | 4.3480% | 3,185 |
| Cash dividends to net income (ytd only)* | 4.8861% | 3,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7307% | 3,167 |
| Loan loss allowance to noncurrent loans | 151.2876% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 0.5104% | 5,809 |
| Noncurrent loans to loans | 1.1440% | 4,630 |
| Net loans and leases to total assets | 43.8401% | 6,347 |
| Net loans and leases to deposits | 48.7951% | 6,578 |
| Net loans and leases to core deposits | 50.8027% | 6,633 |
| Total domestic deposits to total assets | 89.8455% | 951 |
| Equity capital to assets | 9.4383% | 5,183 |
| Core capital (leverage) ratio | 8.7648% | 5,318 |
| Tier 1 risk-based capital ratio | 19.0202% | 1,927 |
| Total risk-based capital ratio | 20.2758% | 1,904 |
| Memoranda: | ||
| Average total assets | $88,512,000 | 5,258 |
| Average earning assets | $84,399,500 | 5,145 |
| Average equity | $7,870,000 | 5,638 |
| Average total loans | $41,071,750 | 5,692 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5996% | 4,960 |
| Cost of funding earning assets | 0.6235% | 6,348 |
| Net interest margin | 3.9761% | 2,963 |
| Noninterest income to average assets | 0.4636% | 4,157 |
| Noninterest expense to average assets | 2.6102% | 5,148 |
| Loan and lease loss provision to assets | 0.0959% | 5,130 |
| Net operating income to assets | 1.2015% | 1,564 |
| Return on assets (ROA) | 1.3725% | 1,213 |
| Pretax return on assets | 1.7630% | 943 |
| Return on Equity (ROE) | 15.7729% | 692 |
| Retained earnings to average equity (ytd only) | 14.5919% | 273 |
| Net charge-offs to loans | 0.1991% | 3,954 |
| Credit loss provision to net charge-offs | 102.4390% | 3,019 |
| Earnings coverage of net charge-offs (x) | 17.5122% | 1,294 |
| Efficiency ratio | 61.4186% | 5,669 |
| Assets per employee ($millions) | 4.3208% | 3,130 |
| Cash dividends to net income (ytd only)* | 7.4875% | 3,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7074% | 3,298 |
| Loan loss allowance to noncurrent loans | 223.7785% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.3383% | 6,282 |
| Noncurrent loans to loans | 0.7630% | 5,382 |
| Net loans and leases to total assets | 43.5864% | 6,469 |
| Net loans and leases to deposits | 48.1876% | 6,713 |
| Net loans and leases to core deposits | 50.1719% | 6,749 |
| Total domestic deposits to total assets | 90.4515% | 735 |
| Equity capital to assets | 8.9511% | 5,649 |
| Core capital (leverage) ratio | 8.6760% | 5,263 |
| Tier 1 risk-based capital ratio | 18.2712% | 2,084 |
| Total risk-based capital ratio | 19.5254% | 2,039 |
| Memoranda: | ||
| Average total assets | $87,579,670 | 5,322 |
| Average earning assets | $83,399,330 | 5,217 |
| Average equity | $7,620,670 | 5,729 |
| Average total loans | $41,184,000 | 5,749 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6606% | 4,696 |
| Cost of funding earning assets | 0.6498% | 6,382 |
| Net interest margin | 4.0109% | 2,643 |
| Noninterest income to average assets | 0.4233% | 4,510 |
| Noninterest expense to average assets | 2.5907% | 5,263 |
| Loan and lease loss provision to assets | 0.0977% | 4,791 |
| Net operating income to assets | 1.1914% | 1,546 |
| Return on assets (ROA) | 1.5209% | 880 |
| Pretax return on assets | 1.9814% | 575 |
| Return on Equity (ROE) | 17.7476% | 503 |
| Retained earnings to average equity (ytd only) | 17.7476% | 249 |
| Net charge-offs to loans | 0.2689% | 2,993 |
| Credit loss provision to net charge-offs | 75.0000% | 3,253 |
| Earnings coverage of net charge-offs (x) | 12.6786% | 1,485 |
| Efficiency ratio | 61.0746% | 5,824 |
| Assets per employee ($millions) | 3.9350% | 3,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6403% | 3,573 |
| Loan loss allowance to noncurrent loans | 146.0215% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 0.7347% | 5,465 |
| Noncurrent loans to loans | 1.1234% | 4,826 |
| Net loans and leases to total assets | 47.0313% | 6,188 |
| Net loans and leases to deposits | 51.8405% | 6,488 |
| Net loans and leases to core deposits | 54.0704% | 6,552 |
| Total domestic deposits to total assets | 90.7231% | 754 |
| Equity capital to assets | 8.7247% | 5,615 |
| Core capital (leverage) ratio | 8.3995% | 5,627 |
| Tier 1 risk-based capital ratio | 16.9211% | 2,510 |
| Total risk-based capital ratio | 18.1757% | 2,483 |
| Memoranda: | ||
| Average total assets | $86,001,000 | 5,407 |
| Average earning assets | $81,877,500 | 5,304 |
| Average equity | $7,370,000 | 5,815 |
| Average total loans | $41,658,000 | 5,774 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8653% | 5,167 |
| Cost of funding earning assets | 0.8581% | 6,343 |
| Net interest margin | 4.0073% | 2,993 |
| Noninterest income to average assets | 0.4884% | 4,259 |
| Noninterest expense to average assets | 2.8332% | 4,467 |
| Loan and lease loss provision to assets | 0.1292% | 5,873 |
| Net operating income to assets | 1.0841% | 1,744 |
| Return on assets (ROA) | 1.1638% | 1,583 |
| Pretax return on assets | 1.4209% | 1,592 |
| Return on Equity (ROE) | 13.4444% | 995 |
| Retained earnings to average equity (ytd only) | 10.3888% | 452 |
| Net charge-offs to loans | 0.0148% | 6,680 |
| Credit loss provision to net charge-offs | 1,750.0000% | 133 |
| Earnings coverage of net charge-offs (x) | 196.8333% | 127 |
| Efficiency ratio | 66.1022% | 4,950 |
| Assets per employee ($millions) | 3.8833% | 4,043 |
| Cash dividends to net income (ytd only)* | 22.7273% | 3,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6364% | 3,443 |
| Loan loss allowance to noncurrent loans | 105.0536% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 0.7644% | 5,486 |
| Noncurrent loans to loans | 1.5577% | 4,162 |
| Net loans and leases to total assets | 48.2676% | 6,363 |
| Net loans and leases to deposits | 53.1036% | 6,667 |
| Net loans and leases to core deposits | 55.5974% | 6,715 |
| Total domestic deposits to total assets | 90.8933% | 654 |
| Equity capital to assets | 8.4125% | 5,977 |
| Core capital (leverage) ratio | 8.1246% | 5,959 |
| Tier 1 risk-based capital ratio | 15.8306% | 2,826 |
| Total risk-based capital ratio | 17.0847% | 2,789 |
| Memoranda: | ||
| Average total assets | $81,287,400 | 5,558 |
| Average earning assets | $77,034,600 | 5,445 |
| Average equity | $7,036,400 | 6,023 |
| Average total loans | $40,475,600 | 5,904 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9130% | 5,208 |
| Cost of funding earning assets | 0.8998% | 6,391 |
| Net interest margin | 4.0132% | 3,040 |
| Noninterest income to average assets | 0.4984% | 4,204 |
| Noninterest expense to average assets | 2.8111% | 4,441 |
| Loan and lease loss provision to assets | 0.1130% | 5,903 |
| Net operating income to assets | 1.1148% | 1,836 |
| Return on assets (ROA) | 1.2211% | 1,609 |
| Pretax return on assets | 1.5069% | 1,594 |
| Return on Equity (ROE) | 14.0022% | 1,038 |
| Retained earnings to average equity (ytd only) | 14.0022% | 275 |
| Net charge-offs to loans | -0.0266% | 7,387 |
| Credit loss provision to net charge-offs | -850.0000% | 7,067 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3787% | 4,981 |
| Assets per employee ($millions) | 4.1582% | 3,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5859% | 3,586 |
| Loan loss allowance to noncurrent loans | 120.3267% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.6626% | 5,798 |
| Noncurrent loans to loans | 1.3180% | 4,660 |
| Net loans and leases to total assets | 49.4715% | 6,379 |
| Net loans and leases to deposits | 54.8202% | 6,705 |
| Net loans and leases to core deposits | 57.2825% | 6,779 |
| Total domestic deposits to total assets | 90.2433% | 754 |
| Equity capital to assets | 8.9992% | 5,584 |
| Core capital (leverage) ratio | 8.4162% | 5,671 |
| Tier 1 risk-based capital ratio | 16.2324% | 2,657 |
| Total risk-based capital ratio | 17.4850% | 2,609 |
| Memoranda: | ||
| Average total assets | $80,251,250 | 5,655 |
| Average earning assets | $76,013,500 | 5,545 |
| Average equity | $6,998,750 | 6,115 |
| Average total loans | $40,114,000 | 5,999 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9409% | 5,221 |
| Cost of funding earning assets | 0.9466% | 6,391 |
| Net interest margin | 3.9943% | 3,045 |
| Noninterest income to average assets | 0.4844% | 4,243 |
| Noninterest expense to average assets | 2.7573% | 4,672 |
| Loan and lease loss provision to assets | 0.1135% | 5,772 |
| Net operating income to assets | 1.1364% | 1,734 |
| Return on assets (ROA) | 1.2109% | 1,600 |
| Pretax return on assets | 1.4833% | 1,601 |
| Return on Equity (ROE) | 14.0412% | 1,034 |
| Retained earnings to average equity (ytd only) | 14.0412% | 307 |
| Net charge-offs to loans | 0.0101% | 6,210 |
| Credit loss provision to net charge-offs | 2,250.0000% | 182 |
| Earnings coverage of net charge-offs (x) | 298.5000% | 112 |
| Efficiency ratio | 64.6746% | 5,212 |
| Assets per employee ($millions) | 4.1271% | 3,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5316% | 3,760 |
| Loan loss allowance to noncurrent loans | 175.9777% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.4337% | 6,371 |
| Noncurrent loans to loans | 0.8703% | 5,528 |
| Net loans and leases to total assets | 49.0714% | 6,535 |
| Net loans and leases to deposits | 54.0104% | 6,861 |
| Net loans and leases to core deposits | 56.6292% | 6,905 |
| Total domestic deposits to total assets | 90.8555% | 546 |
| Equity capital to assets | 8.5618% | 6,085 |
| Core capital (leverage) ratio | 8.0966% | 6,123 |
| Tier 1 risk-based capital ratio | 15.9058% | 2,716 |
| Total risk-based capital ratio | 17.1588% | 2,675 |
| Memoranda: | ||
| Average total assets | $79,280,670 | 5,718 |
| Average earning assets | $75,006,000 | 5,606 |
| Average equity | $6,837,000 | 6,194 |
| Average total loans | $39,550,330 | 6,065 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9700% | 5,157 |
| Cost of funding earning assets | 1.0136% | 6,310 |
| Net interest margin | 3.9563% | 3,069 |
| Noninterest income to average assets | 0.4482% | 4,488 |
| Noninterest expense to average assets | 2.7405% | 4,716 |
| Loan and lease loss provision to assets | 0.1133% | 5,483 |
| Net operating income to assets | 1.0861% | 1,877 |
| Return on assets (ROA) | 1.2363% | 1,514 |
| Pretax return on assets | 1.5196% | 1,470 |
| Return on Equity (ROE) | 14.2815% | 1,000 |
| Retained earnings to average equity (ytd only) | 14.2815% | 475 |
| Net charge-offs to loans | -0.0413% | 7,295 |
| Credit loss provision to net charge-offs | -550.0000% | 6,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4367% | 5,230 |
| Assets per employee ($millions) | 3.9646% | 3,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5698% | 3,576 |
| Loan loss allowance to noncurrent loans | 197.1061% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.3922% | 6,490 |
| Noncurrent loans to loans | 0.7964% | 5,726 |
| Net loans and leases to total assets | 48.4740% | 6,624 |
| Net loans and leases to deposits | 53.4167% | 6,956 |
| Net loans and leases to core deposits | 56.0586% | 6,998 |
| Total domestic deposits to total assets | 90.7469% | 633 |
| Equity capital to assets | 8.6289% | 5,835 |
| Core capital (leverage) ratio | 8.1503% | 5,994 |
| Tier 1 risk-based capital ratio | 15.7128% | 2,771 |
| Total risk-based capital ratio | 16.9651% | 2,719 |
| Memoranda: | ||
| Average total assets | $77,650,500 | 5,831 |
| Average earning assets | $73,401,000 | 5,728 |
| Average equity | $6,722,000 | 6,280 |
| Average total loans | $38,758,500 | 6,178 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6921% | 3,141 |
| Cost of funding earning assets | 1.2668% | 6,419 |
| Net interest margin | 4.4253% | 1,360 |
| Noninterest income to average assets | 0.4054% | 5,163 |
| Noninterest expense to average assets | 3.1245% | 3,636 |
| Loan and lease loss provision to assets | 0.2679% | 5,270 |
| Net operating income to assets | 0.9641% | 1,970 |
| Return on assets (ROA) | 1.1047% | 1,536 |
| Pretax return on assets | 1.3349% | 1,602 |
| Return on Equity (ROE) | 12.2283% | 1,104 |
| Retained earnings to average equity (ytd only) | 8.7826% | 530 |
| Net charge-offs to loans | 0.0164% | 6,991 |
| Credit loss provision to net charge-offs | 3,083.3333% | 110 |
| Earnings coverage of net charge-offs (x) | 165.0000% | 176 |
| Efficiency ratio | 68.5515% | 4,912 |
| Assets per employee ($millions) | 3.8005% | 4,285 |
| Cash dividends to net income (ytd only)* | 28.1782% | 3,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5259% | 3,596 |
| Loan loss allowance to noncurrent loans | 280.8612% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.2750% | 6,766 |
| Noncurrent loans to loans | 0.5433% | 6,157 |
| Net loans and leases to total assets | 49.8375% | 6,658 |
| Net loans and leases to deposits | 55.0828% | 6,979 |
| Net loans and leases to core deposits | 74.7750% | 6,487 |
| Total domestic deposits to total assets | 90.4774% | 752 |
| Equity capital to assets | 8.6858% | 5,610 |
| Core capital (leverage) ratio | 8.2023% | 5,806 |
| Tier 1 risk-based capital ratio | 15.3420% | 2,786 |
| Total risk-based capital ratio | 16.5950% | 2,742 |
| Memoranda: | ||
| Average total assets | $69,067,200 | 6,034 |
| Average earning assets | $64,808,800 | 5,962 |
| Average equity | $6,239,600 | 6,518 |
| Average total loans | $36,503,400 | 6,278 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7510% | 3,095 |
| Cost of funding earning assets | 1.3026% | 6,550 |
| Net interest margin | 4.4483% | 1,321 |
| Noninterest income to average assets | 0.4000% | 5,286 |
| Noninterest expense to average assets | 3.1584% | 3,439 |
| Loan and lease loss provision to assets | 0.2772% | 4,757 |
| Net operating income to assets | 0.8770% | 2,509 |
| Return on assets (ROA) | 1.0554% | 1,944 |
| Pretax return on assets | 1.3683% | 1,776 |
| Return on Equity (ROE) | 11.5572% | 1,473 |
| Retained earnings to average equity (ytd only) | 11.5572% | 401 |
| Net charge-offs to loans | 0.0481% | 6,243 |
| Credit loss provision to net charge-offs | 1,076.9231% | 356 |
| Earnings coverage of net charge-offs (x) | 54.9325% | 593 |
| Efficiency ratio | 69.0775% | 4,768 |
| Assets per employee ($millions) | 3.7764% | 4,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4261% | 3,804 |
| Loan loss allowance to noncurrent loans | 266.1692% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.2661% | 6,839 |
| Noncurrent loans to loans | 0.5358% | 6,239 |
| Net loans and leases to total assets | 48.9620% | 6,871 |
| Net loans and leases to deposits | 54.1467% | 7,206 |
| Net loans and leases to core deposits | 73.2974% | 6,767 |
| Total domestic deposits to total assets | 90.4247% | 612 |
| Equity capital to assets | 8.7557% | 5,873 |
| Core capital (leverage) ratio | 8.4612% | 5,561 |
| Tier 1 risk-based capital ratio | 15.5694% | 2,782 |
| Total risk-based capital ratio | 16.8217% | 2,718 |
| Memoranda: | ||
| Average total assets | $67,331,750 | 6,133 |
| Average earning assets | $63,153,000 | 6,067 |
| Average equity | $6,149,000 | 6,612 |
| Average total loans | $36,012,250 | 6,348 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8680% | 2,726 |
| Cost of funding earning assets | 1.3128% | 6,762 |
| Net interest margin | 4.5551% | 1,048 |
| Noninterest income to average assets | 0.4025% | 5,264 |
| Noninterest expense to average assets | 3.2136% | 3,298 |
| Loan and lease loss provision to assets | 0.2941% | 4,211 |
| Net operating income to assets | 0.8439% | 2,679 |
| Return on assets (ROA) | 1.1084% | 1,823 |
| Pretax return on assets | 1.5108% | 1,418 |
| Return on Equity (ROE) | 11.9446% | 1,427 |
| Retained earnings to average equity (ytd only) | 11.9446% | 453 |
| Net charge-offs to loans | 0.0225% | 6,184 |
| Credit loss provision to net charge-offs | 2,375.0000% | 226 |
| Earnings coverage of net charge-offs (x) | 116.5000% | 329 |
| Efficiency ratio | 69.0160% | 4,979 |
| Assets per employee ($millions) | 3.5340% | 4,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3447% | 4,012 |
| Loan loss allowance to noncurrent loans | 201.2097% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.3509% | 6,575 |
| Noncurrent loans to loans | 0.6683% | 5,914 |
| Net loans and leases to total assets | 51.7968% | 6,711 |
| Net loans and leases to deposits | 57.1451% | 7,084 |
| Net loans and leases to core deposits | 77.4848% | 6,578 |
| Total domestic deposits to total assets | 90.6409% | 578 |
| Equity capital to assets | 8.6389% | 5,836 |
| Core capital (leverage) ratio | 8.8949% | 4,793 |
| Tier 1 risk-based capital ratio | 15.9127% | 2,658 |
| Total risk-based capital ratio | 17.1640% | 2,600 |
| Memoranda: | ||
| Average total assets | $64,599,670 | 6,278 |
| Average earning assets | $60,327,670 | 6,210 |
| Average equity | $5,994,330 | 6,719 |
| Average total loans | $35,511,330 | 6,436 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9836% | 2,427 |
| Cost of funding earning assets | 1.3150% | 6,977 |
| Net interest margin | 4.6686% | 824 |
| Noninterest income to average assets | 0.3769% | 5,413 |
| Noninterest expense to average assets | 3.0864% | 3,428 |
| Loan and lease loss provision to assets | 0.1430% | 5,113 |
| Net operating income to assets | 1.1387% | 1,840 |
| Return on assets (ROA) | 1.2801% | 1,536 |
| Pretax return on assets | 1.6959% | 1,188 |
| Return on Equity (ROE) | 13.2693% | 1,317 |
| Retained earnings to average equity (ytd only) | 13.2693% | 596 |
| Net charge-offs to loans | -0.0115% | 7,308 |
| Credit loss provision to net charge-offs | -2,200.0000% | 6,636 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1578% | 5,479 |
| Assets per employee ($millions) | 3.5774% | 4,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2226% | 4,646 |
| Loan loss allowance to noncurrent loans | 212.8079% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.3152% | 6,565 |
| Noncurrent loans to loans | 0.5745% | 5,972 |
| Net loans and leases to total assets | 54.2023% | 6,442 |
| Net loans and leases to deposits | 60.3889% | 6,862 |
| Net loans and leases to core deposits | 77.8494% | 6,547 |
| Total domestic deposits to total assets | 89.7553% | 909 |
| Equity capital to assets | 9.5350% | 4,623 |
| Core capital (leverage) ratio | 9.5085% | 3,972 |
| Tier 1 risk-based capital ratio | 16.4526% | 2,531 |
| Total risk-based capital ratio | 17.6667% | 2,491 |
| Memoranda: | ||
| Average total assets | $61,559,500 | 6,419 |
| Average earning assets | $57,490,500 | 6,353 |
| Average equity | $5,938,500 | 6,792 |
| Average total loans | $34,712,500 | 6,512 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5020% | 2,953 |
| Cost of funding earning assets | 1.9278% | 6,646 |
| Net interest margin | 4.5742% | 1,242 |
| Noninterest income to average assets | 0.3926% | 5,534 |
| Noninterest expense to average assets | 3.0829% | 3,769 |
| Loan and lease loss provision to assets | 0.1869% | 5,020 |
| Net operating income to assets | 1.0264% | 2,449 |
| Return on assets (ROA) | 1.0316% | 2,316 |
| Pretax return on assets | 1.3596% | 2,095 |
| Return on Equity (ROE) | 10.9255% | 1,928 |
| Retained earnings to average equity (ytd only) | 7.0737% | 1,129 |
| Net charge-offs to loans | 0.3613% | 3,028 |
| Credit loss provision to net charge-offs | 93.2203% | 5,592 |
| Earnings coverage of net charge-offs (x) | 7.6780% | 3,047 |
| Efficiency ratio | 66.6912% | 4,975 |
| Assets per employee ($millions) | 3.4544% | 4,788 |
| Cash dividends to net income (ytd only)* | 35.2554% | 3,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1968% | 4,558 |
| Loan loss allowance to noncurrent loans | 209.2308% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.3321% | 6,273 |
| Noncurrent loans to loans | 0.5720% | 5,654 |
| Net loans and leases to total assets | 57.3555% | 6,296 |
| Net loans and leases to deposits | 64.1843% | 6,777 |
| Net loans and leases to core deposits | 82.1713% | 6,447 |
| Total domestic deposits to total assets | 89.3606% | 893 |
| Equity capital to assets | 9.7693% | 4,332 |
| Core capital (leverage) ratio | 9.6139% | 3,863 |
| Tier 1 risk-based capital ratio | 16.5821% | 2,455 |
| Total risk-based capital ratio | 17.7781% | 2,408 |
| Memoranda: | ||
| Average total assets | $58,840,600 | 6,419 |
| Average earning assets | $54,414,000 | 6,391 |
| Average equity | $5,555,800 | 6,966 |
| Average total loans | $32,659,600 | 6,571 |