Home > Bank of DeSoto > Performance and Condition Ratios
Bank of DeSoto, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3188% | 235 |
| Cost of funding earning assets | 2.3608% | 1,109 |
| Net interest margin | 4.9580% | 322 |
| Noninterest income to average assets | 0.2800% | 3,001 |
| Noninterest expense to average assets | 2.8517% | 1,409 |
| Loan and lease loss provision to assets | 0.1500% | 856 |
| Net operating income to assets | 2.0544% | 426 |
| Return on assets (ROA) | 2.0544% | 427 |
| Pretax return on assets | 2.0544% | 633 |
| Return on Equity (ROE) | 20.7200% | 391 |
| Retained earnings to average equity (ytd only) | 4.0899% | 2,839 |
| Net charge-offs to loans | 0.5606% | 249 |
| Credit loss provision to net charge-offs | 43.1034% | 1,572 |
| Earnings coverage of net charge-offs (x) | 6.3060% | 1,865 |
| Efficiency ratio | 56.3934% | 3,372 |
| Assets per employee ($millions) | 6.6776% | 2,442 |
| Cash dividends to net income (ytd only)* | 80.2641% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8990% | 3,612 |
| Loan loss allowance to noncurrent loans | 84.1595% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 0.8836% | 848 |
| Noncurrent loans to loans | 1.0682% | 996 |
| Net loans and leases to total assets | 60.9600% | 2,792 |
| Net loans and leases to deposits | 67.8400% | 3,002 |
| Net loans and leases to core deposits | 86.0193% | 2,325 |
| Total domestic deposits to total assets | 89.8500% | 862 |
| Equity capital to assets | 9.8999% | 2,282 |
| Core capital (leverage) ratio | 9.9430% | 2,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $265,382,000 | 2,648 |
| Average earning assets | $255,505,000 | 2,596 |
| Average equity | $26,309,000 | 2,624 |
| Average total loans | $165,529,000 | 2,645 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0142% | 158 |
| Cost of funding earning assets | 2.5457% | 1,064 |
| Net interest margin | 5.4685% | 184 |
| Noninterest income to average assets | 0.2300% | 3,513 |
| Noninterest expense to average assets | 3.4925% | 598 |
| Loan and lease loss provision to assets | 0.1000% | 1,394 |
| Net operating income to assets | 1.8404% | 514 |
| Return on assets (ROA) | 1.8404% | 515 |
| Pretax return on assets | 1.8404% | 776 |
| Return on Equity (ROE) | 17.5200% | 611 |
| Retained earnings to average equity (ytd only) | 6.4375% | 1,650 |
| Net charge-offs to loans | 0.3435% | 428 |
| Credit loss provision to net charge-offs | 44.5633% | 2,362 |
| Earnings coverage of net charge-offs (x) | 8.3369% | 2,380 |
| Efficiency ratio | 64.2377% | 2,704 |
| Assets per employee ($millions) | 6.5915% | 2,450 |
| Cash dividends to net income (ytd only)* | 63.2482% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9649% | 3,403 |
| Loan loss allowance to noncurrent loans | 221.6253% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.5048% | 1,416 |
| Noncurrent loans to loans | 0.4354% | 1,977 |
| Net loans and leases to total assets | 62.6400% | 2,698 |
| Net loans and leases to deposits | 69.7391% | 2,970 |
| Net loans and leases to core deposits | 88.2731% | 2,235 |
| Total domestic deposits to total assets | 89.8200% | 876 |
| Equity capital to assets | 9.9276% | 2,179 |
| Core capital (leverage) ratio | 9.9259% | 2,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $240,545,400 | 2,755 |
| Average earning assets | $229,056,200 | 2,719 |
| Average equity | $25,273,600 | 2,615 |
| Average total loans | $163,325,600 | 2,629 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1035% | 155 |
| Cost of funding earning assets | 2.4520% | 1,260 |
| Net interest margin | 5.6514% | 160 |
| Noninterest income to average assets | 0.2400% | 3,438 |
| Noninterest expense to average assets | 3.6410% | 491 |
| Loan and lease loss provision to assets | 0.1400% | 908 |
| Net operating income to assets | 1.8196% | 573 |
| Return on assets (ROA) | 1.8196% | 574 |
| Pretax return on assets | 1.8196% | 854 |
| Return on Equity (ROE) | 17.0500% | 679 |
| Retained earnings to average equity (ytd only) | 5.6423% | 2,227 |
| Net charge-offs to loans | 0.3701% | 357 |
| Credit loss provision to net charge-offs | 55.4324% | 2,019 |
| Earnings coverage of net charge-offs (x) | 7.6585% | 2,255 |
| Efficiency ratio | 64.9873% | 2,592 |
| Assets per employee ($millions) | 6.3148% | 2,648 |
| Cash dividends to net income (ytd only)* | 66.9164% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0632% | 2,930 |
| Loan loss allowance to noncurrent loans | 273.7261% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.4881% | 1,432 |
| Noncurrent loans to loans | 0.3884% | 2,113 |
| Net loans and leases to total assets | 63.3300% | 2,605 |
| Net loans and leases to deposits | 70.6718% | 2,933 |
| Net loans and leases to core deposits | 84.3053% | 2,542 |
| Total domestic deposits to total assets | 89.6100% | 707 |
| Equity capital to assets | 10.1381% | 2,205 |
| Core capital (leverage) ratio | 10.6496% | 2,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $234,766,750 | 2,775 |
| Average earning assets | $222,829,000 | 2,751 |
| Average equity | $25,048,250 | 2,620 |
| Average total loans | $162,466,750 | 2,631 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1509% | 148 |
| Cost of funding earning assets | 2.4017% | 1,257 |
| Net interest margin | 5.7492% | 149 |
| Noninterest income to average assets | 0.2500% | 3,346 |
| Noninterest expense to average assets | 3.8213% | 422 |
| Loan and lease loss provision to assets | 0.1700% | 664 |
| Net operating income to assets | 1.6930% | 689 |
| Return on assets (ROA) | 1.6930% | 690 |
| Pretax return on assets | 1.6930% | 988 |
| Return on Equity (ROE) | 15.5800% | 905 |
| Retained earnings to average equity (ytd only) | 7.1355% | 1,618 |
| Net charge-offs to loans | 0.5395% | 235 |
| Credit loss provision to net charge-offs | 45.5581% | 1,845 |
| Earnings coverage of net charge-offs (x) | 4.8679% | 2,242 |
| Efficiency ratio | 67.1685% | 2,419 |
| Assets per employee ($millions) | 5.7180% | 3,035 |
| Cash dividends to net income (ytd only)* | 54.2075% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0387% | 3,074 |
| Loan loss allowance to noncurrent loans | 114.3537% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 0.6821% | 984 |
| Noncurrent loans to loans | 0.9083% | 1,037 |
| Net loans and leases to total assets | 70.0200% | 1,898 |
| Net loans and leases to deposits | 78.9618% | 2,288 |
| Net loans and leases to core deposits | 92.6594% | 1,952 |
| Total domestic deposits to total assets | 88.6800% | 1,107 |
| Equity capital to assets | 11.1207% | 1,514 |
| Core capital (leverage) ratio | 11.1452% | 1,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $228,825,000 | 2,810 |
| Average earning assets | $216,345,000 | 2,786 |
| Average equity | $24,861,667 | 2,593 |
| Average total loans | $162,729,333 | 2,626 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3034% | 136 |
| Cost of funding earning assets | 2.4094% | 1,158 |
| Net interest margin | 5.8940% | 131 |
| Noninterest income to average assets | 0.2500% | 3,278 |
| Noninterest expense to average assets | 3.8466% | 402 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.9277% | 486 |
| Return on assets (ROA) | 1.9277% | 495 |
| Pretax return on assets | 1.9277% | 693 |
| Return on Equity (ROE) | 17.9500% | 618 |
| Retained earnings to average equity (ytd only) | 0.8627% | 3,531 |
| Net charge-offs to loans | 0.2574% | 360 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 10.5048% | 1,622 |
| Efficiency ratio | 66.6162% | 2,540 |
| Assets per employee ($millions) | 5.6939% | 3,080 |
| Cash dividends to net income (ytd only)* | 95.1949% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1142% | 2,739 |
| Loan loss allowance to noncurrent loans | 50.5853% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 1.6149% | 261 |
| Noncurrent loans to loans | 2.2026% | 284 |
| Net loans and leases to total assets | 70.7200% | 1,719 |
| Net loans and leases to deposits | 79.6937% | 2,089 |
| Net loans and leases to core deposits | 92.8709% | 1,847 |
| Total domestic deposits to total assets | 88.7500% | 1,185 |
| Equity capital to assets | 10.8019% | 1,585 |
| Core capital (leverage) ratio | 10.7191% | 2,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $228,878,500 | 2,815 |
| Average earning assets | $214,659,500 | 2,800 |
| Average equity | $24,575,000 | 2,622 |
| Average total loans | $163,174,000 | 2,613 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6331% | 141 |
| Cost of funding earning assets | 1.6768% | 1,501 |
| Net interest margin | 5.9563% | 114 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 3.6370% | 487 |
| Loan and lease loss provision to assets | 0.3200% | 332 |
| Net operating income to assets | 2.0200% | 452 |
| Return on assets (ROA) | 2.0200% | 435 |
| Pretax return on assets | 2.0200% | 648 |
| Return on Equity (ROE) | 19.5500% | 654 |
| Retained earnings to average equity (ytd only) | 2.2301% | 3,521 |
| Net charge-offs to loans | 0.4255% | 238 |
| Credit loss provision to net charge-offs | 107.6812% | 1,772 |
| Earnings coverage of net charge-offs (x) | 7.9493% | 2,374 |
| Efficiency ratio | 60.8857% | 2,986 |
| Assets per employee ($millions) | 5.7500% | 3,023 |
| Cash dividends to net income (ytd only)* | 88.5913% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1746% | 2,441 |
| Loan loss allowance to noncurrent loans | 62.1963% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 1.3813% | 289 |
| Noncurrent loans to loans | 1.8886% | 309 |
| Net loans and leases to total assets | 70.2300% | 1,783 |
| Net loans and leases to deposits | 78.9117% | 2,198 |
| Net loans and leases to core deposits | 90.7978% | 1,995 |
| Total domestic deposits to total assets | 89.0000% | 1,062 |
| Equity capital to assets | 10.6730% | 1,642 |
| Core capital (leverage) ratio | 10.6257% | 2,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $234,756,200 | 2,767 |
| Average earning assets | $223,643,800 | 2,723 |
| Average equity | $24,258,800 | 2,565 |
| Average total loans | $162,167,800 | 2,582 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4721% | 142 |
| Cost of funding earning assets | 1.5267% | 1,537 |
| Net interest margin | 5.9453% | 114 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 3.4160% | 616 |
| Loan and lease loss provision to assets | 0.2200% | 486 |
| Net operating income to assets | 2.3824% | 295 |
| Return on assets (ROA) | 2.3824% | 287 |
| Pretax return on assets | 2.3824% | 435 |
| Return on Equity (ROE) | 23.2400% | 478 |
| Retained earnings to average equity (ytd only) | 0.0827% | 4,092 |
| Net charge-offs to loans | 0.3476% | 249 |
| Credit loss provision to net charge-offs | 93.1280% | 1,678 |
| Earnings coverage of net charge-offs (x) | 10.9218% | 2,106 |
| Efficiency ratio | 56.7393% | 3,334 |
| Assets per employee ($millions) | 5.8176% | 2,911 |
| Cash dividends to net income (ytd only)* | 99.6442% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1054% | 2,840 |
| Loan loss allowance to noncurrent loans | 59.1758% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 1.3734% | 295 |
| Noncurrent loans to loans | 1.8680% | 343 |
| Net loans and leases to total assets | 70.6600% | 1,747 |
| Net loans and leases to deposits | 79.0332% | 2,138 |
| Net loans and leases to core deposits | 89.4341% | 1,968 |
| Total domestic deposits to total assets | 89.4100% | 1,113 |
| Equity capital to assets | 10.3230% | 1,632 |
| Core capital (leverage) ratio | 10.3250% | 2,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $235,945,250 | 2,772 |
| Average earning assets | $226,794,250 | 2,707 |
| Average equity | $24,186,500 | 2,554 |
| Average total loans | $161,846,500 | 2,590 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2925% | 146 |
| Cost of funding earning assets | 1.3652% | 1,540 |
| Net interest margin | 5.9273% | 113 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 3.2537% | 739 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 2.5837% | 225 |
| Return on assets (ROA) | 2.5837% | 222 |
| Pretax return on assets | 2.5837% | 320 |
| Return on Equity (ROE) | 25.2600% | 370 |
| Retained earnings to average equity (ytd only) | 0.7095% | 3,956 |
| Net charge-offs to loans | 0.2931% | 288 |
| Credit loss provision to net charge-offs | 60.8511% | 1,623 |
| Earnings coverage of net charge-offs (x) | 13.6383% | 1,901 |
| Efficiency ratio | 54.6098% | 3,561 |
| Assets per employee ($millions) | 5.7199% | 2,950 |
| Cash dividends to net income (ytd only)* | 97.1914% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0857% | 3,019 |
| Loan loss allowance to noncurrent loans | 37.1494% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 2.1277% | 128 |
| Noncurrent loans to loans | 2.9224% | 149 |
| Net loans and leases to total assets | 70.6800% | 1,667 |
| Net loans and leases to deposits | 79.2490% | 2,030 |
| Net loans and leases to core deposits | 90.3308% | 1,776 |
| Total domestic deposits to total assets | 89.1900% | 1,177 |
| Equity capital to assets | 10.5304% | 1,585 |
| Core capital (leverage) ratio | 10.1654% | 2,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $237,026,000 | 2,773 |
| Average earning assets | $227,659,667 | 2,713 |
| Average equity | $24,241,333 | 2,556 |
| Average total loans | $160,370,000 | 2,598 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9159% | 123 |
| Cost of funding earning assets | 1.0593% | 1,863 |
| Net interest margin | 5.8566% | 108 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 3.2296% | 767 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.6341% | 214 |
| Return on assets (ROA) | 2.6341% | 212 |
| Pretax return on assets | 2.6341% | 308 |
| Return on Equity (ROE) | 26.1200% | 358 |
| Retained earnings to average equity (ytd only) | 0.2139% | 3,987 |
| Net charge-offs to loans | 0.1461% | 470 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 27.3793% | 1,341 |
| Efficiency ratio | 55.0778% | 3,497 |
| Assets per employee ($millions) | 6.1324% | 2,650 |
| Cash dividends to net income (ytd only)* | 99.1814% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1141% | 2,985 |
| Loan loss allowance to noncurrent loans | 62.0370% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 1.2255% | 294 |
| Noncurrent loans to loans | 1.7959% | 342 |
| Net loans and leases to total assets | 65.4600% | 2,113 |
| Net loans and leases to deposits | 72.6814% | 2,408 |
| Net loans and leases to core deposits | 81.0023% | 2,182 |
| Total domestic deposits to total assets | 90.0600% | 1,138 |
| Equity capital to assets | 9.7922% | 1,939 |
| Core capital (leverage) ratio | 10.5395% | 2,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $241,141,500 | 2,783 |
| Average earning assets | $231,466,000 | 2,732 |
| Average equity | $24,315,500 | 2,577 |
| Average total loans | $158,807,000 | 2,634 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0319% | 92 |
| Cost of funding earning assets | 0.3703% | 2,327 |
| Net interest margin | 5.6617% | 72 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 3.1170% | 817 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 2.4156% | 162 |
| Return on assets (ROA) | 2.4156% | 157 |
| Pretax return on assets | 2.4156% | 227 |
| Return on Equity (ROE) | 26.4600% | 164 |
| Retained earnings to average equity (ytd only) | 12.4877% | 592 |
| Net charge-offs to loans | 0.1311% | 605 |
| Credit loss provision to net charge-offs | 77.7202% | 1,694 |
| Earnings coverage of net charge-offs (x) | 32.1140% | 1,652 |
| Efficiency ratio | 55.7349% | 3,603 |
| Assets per employee ($millions) | 5.9247% | 2,830 |
| Cash dividends to net income (ytd only)* | 52.8108% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7949% | 4,042 |
| Loan loss allowance to noncurrent loans | 39.5133% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 1.3558% | 255 |
| Noncurrent loans to loans | 2.0117% | 280 |
| Net loans and leases to total assets | 64.9900% | 2,143 |
| Net loans and leases to deposits | 72.6252% | 2,360 |
| Net loans and leases to core deposits | 81.2057% | 2,055 |
| Total domestic deposits to total assets | 89.4800% | 1,568 |
| Equity capital to assets | 10.3850% | 1,513 |
| Core capital (leverage) ratio | 10.0568% | 2,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $250,369,800 | 2,732 |
| Average earning assets | $233,889,200 | 2,708 |
| Average equity | $22,854,400 | 2,712 |
| Average total loans | $147,238,200 | 2,656 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7112% | 96 |
| Cost of funding earning assets | 0.3026% | 2,131 |
| Net interest margin | 5.4085% | 84 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 2.9055% | 1,042 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 2.3527% | 179 |
| Return on assets (ROA) | 2.3527% | 175 |
| Pretax return on assets | 2.3527% | 255 |
| Return on Equity (ROE) | 26.6300% | 143 |
| Retained earnings to average equity (ytd only) | 7.6315% | 2,136 |
| Net charge-offs to loans | -0.0202% | 3,995 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 54.4407% | 3,785 |
| Assets per employee ($millions) | 6.3075% | 2,485 |
| Cash dividends to net income (ytd only)* | 71.3424% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9689% | 3,621 |
| Loan loss allowance to noncurrent loans | 331.5789% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 0.2089% | 2,213 |
| Noncurrent loans to loans | 0.2922% | 2,197 |
| Net loans and leases to total assets | 58.7000% | 2,625 |
| Net loans and leases to deposits | 64.6798% | 2,813 |
| Net loans and leases to core deposits | 74.0539% | 2,345 |
| Total domestic deposits to total assets | 90.7600% | 1,334 |
| Equity capital to assets | 9.1319% | 2,126 |
| Core capital (leverage) ratio | 9.0833% | 3,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1158% | 971 |
| Memoranda: | ||
| Average total assets | $253,715,750 | 2,726 |
| Average earning assets | $235,696,500 | 2,718 |
| Average equity | $22,415,250 | 2,784 |
| Average total loans | $145,237,000 | 2,682 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4566% | 103 |
| Cost of funding earning assets | 0.2742% | 1,965 |
| Net interest margin | 5.1824% | 93 |
| Noninterest income to average assets | 0.3297% | 3,190 |
| Noninterest expense to average assets | 2.8648% | 1,045 |
| Loan and lease loss provision to assets | 0.0393% | 1,878 |
| Net operating income to assets | 2.1834% | 164 |
| Return on assets (ROA) | 2.1834% | 164 |
| Pretax return on assets | 2.1834% | 255 |
| Return on Equity (ROE) | 24.9921% | 110 |
| Retained earnings to average equity (ytd only) | 6.0792% | 2,313 |
| Net charge-offs to loans | -0.1405% | 4,522 |
| Credit loss provision to net charge-offs | -49.5050% | 3,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3099% | 3,747 |
| Assets per employee ($millions) | 6.3329% | 2,456 |
| Cash dividends to net income (ytd only)* | 75.6757% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9850% | 3,663 |
| Loan loss allowance to noncurrent loans | 802.2472% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.1058% | 2,970 |
| Noncurrent loans to loans | 0.1228% | 3,112 |
| Net loans and leases to total assets | 56.6664% | 2,683 |
| Net loans and leases to deposits | 62.2362% | 2,871 |
| Net loans and leases to core deposits | 71.8813% | 2,348 |
| Total domestic deposits to total assets | 91.0506% | 1,209 |
| Equity capital to assets | 8.8554% | 2,490 |
| Core capital (leverage) ratio | 8.1360% | 4,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5651% | 1,058 |
| Memoranda: | ||
| Average total assets | $254,187,333 | 2,745 |
| Average earning assets | $233,367,333 | 2,767 |
| Average equity | $22,207,000 | 2,874 |
| Average total loans | $143,797,333 | 2,711 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0941% | 134 |
| Cost of funding earning assets | 0.2837% | 1,782 |
| Net interest margin | 4.8104% | 119 |
| Noninterest income to average assets | 0.2796% | 3,460 |
| Noninterest expense to average assets | 2.7382% | 1,279 |
| Loan and lease loss provision to assets | 0.0785% | 1,047 |
| Net operating income to assets | 1.8851% | 281 |
| Return on assets (ROA) | 1.8851% | 280 |
| Pretax return on assets | 1.8851% | 458 |
| Return on Equity (ROE) | 21.7249% | 169 |
| Retained earnings to average equity (ytd only) | 12.2202% | 570 |
| Net charge-offs to loans | -0.0642% | 4,346 |
| Credit loss provision to net charge-offs | -217.3913% | 2,988 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2359% | 3,656 |
| Assets per employee ($millions) | 6.4828% | 2,394 |
| Cash dividends to net income (ytd only)* | 43.7500% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9391% | 3,927 |
| Loan loss allowance to noncurrent loans | 833.3333% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.0972% | 3,128 |
| Noncurrent loans to loans | 0.1127% | 3,268 |
| Net loans and leases to total assets | 54.9171% | 2,643 |
| Net loans and leases to deposits | 60.1750% | 2,890 |
| Net loans and leases to core deposits | 69.8175% | 2,306 |
| Total domestic deposits to total assets | 91.2622% | 906 |
| Equity capital to assets | 8.6506% | 3,021 |
| Core capital (leverage) ratio | 8.8763% | 3,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $254,624,000 | 2,755 |
| Average earning assets | $234,077,000 | 2,773 |
| Average equity | $22,094,500 | 2,979 |
| Average total loans | $143,210,000 | 2,712 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1814% | 73 |
| Cost of funding earning assets | 0.5071% | 903 |
| Net interest margin | 5.6743% | 72 |
| Noninterest income to average assets | 0.3043% | 3,587 |
| Noninterest expense to average assets | 2.9872% | 1,001 |
| Loan and lease loss provision to assets | 0.1645% | 713 |
| Net operating income to assets | 1.8140% | 493 |
| Return on assets (ROA) | 1.8140% | 515 |
| Pretax return on assets | 1.8140% | 888 |
| Return on Equity (ROE) | 20.6529% | 277 |
| Retained earnings to average equity (ytd only) | 4.2654% | 3,104 |
| Net charge-offs to loans | 0.2031% | 470 |
| Credit loss provision to net charge-offs | 141.3428% | 1,531 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,957 |
| Efficiency ratio | 60.1573% | 3,120 |
| Assets per employee ($millions) | 6.2484% | 2,530 |
| Cash dividends to net income (ytd only)* | 79.3471% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8951% | 4,075 |
| Loan loss allowance to noncurrent loans | 402.8391% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.1628% | 2,798 |
| Noncurrent loans to loans | 0.2222% | 2,852 |
| Net loans and leases to total assets | 56.5691% | 2,527 |
| Net loans and leases to deposits | 62.0287% | 2,878 |
| Net loans and leases to core deposits | 72.4846% | 2,211 |
| Total domestic deposits to total assets | 91.1982% | 417 |
| Equity capital to assets | 8.7050% | 3,879 |
| Core capital (leverage) ratio | 8.3361% | 4,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $243,169,600 | 2,775 |
| Average earning assets | $199,761,600 | 2,956 |
| Average equity | $21,357,800 | 3,107 |
| Average total loans | $139,333,800 | 2,733 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4957% | 57 |
| Cost of funding earning assets | 0.5408% | 870 |
| Net interest margin | 5.9549% | 58 |
| Noninterest income to average assets | 0.2993% | 3,645 |
| Noninterest expense to average assets | 2.9451% | 1,051 |
| Loan and lease loss provision to assets | 0.1934% | 540 |
| Net operating income to assets | 1.8911% | 569 |
| Return on assets (ROA) | 1.8911% | 592 |
| Pretax return on assets | 1.8911% | 970 |
| Return on Equity (ROE) | 21.4816% | 324 |
| Retained earnings to average equity (ytd only) | 5.8392% | 2,898 |
| Net charge-offs to loans | 0.2050% | 406 |
| Credit loss provision to net charge-offs | 164.3192% | 1,300 |
| Earnings coverage of net charge-offs (x) | 17.7230% | 1,805 |
| Efficiency ratio | 58.5575% | 3,190 |
| Assets per employee ($millions) | 6.3906% | 2,345 |
| Cash dividends to net income (ytd only)* | 72.8175% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9202% | 4,102 |
| Loan loss allowance to noncurrent loans | 363.3053% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.1749% | 2,952 |
| Noncurrent loans to loans | 0.2533% | 2,919 |
| Net loans and leases to total assets | 54.6287% | 2,890 |
| Net loans and leases to deposits | 59.7992% | 3,245 |
| Net loans and leases to core deposits | 68.9956% | 2,687 |
| Total domestic deposits to total assets | 91.3536% | 271 |
| Equity capital to assets | 8.5192% | 4,198 |
| Core capital (leverage) ratio | 8.7408% | 3,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $241,477,750 | 2,804 |
| Average earning assets | $191,813,500 | 3,049 |
| Average equity | $21,258,000 | 3,149 |
| Average total loans | $138,501,250 | 2,780 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2060% | 39 |
| Cost of funding earning assets | 0.5884% | 788 |
| Net interest margin | 6.6176% | 41 |
| Noninterest income to average assets | 0.2889% | 3,693 |
| Noninterest expense to average assets | 2.8611% | 1,230 |
| Loan and lease loss provision to assets | 0.2534% | 383 |
| Net operating income to assets | 2.1718% | 358 |
| Return on assets (ROA) | 2.1718% | 379 |
| Pretax return on assets | 2.1718% | 606 |
| Return on Equity (ROE) | 24.3870% | 215 |
| Retained earnings to average equity (ytd only) | 0.7304% | 4,391 |
| Net charge-offs to loans | 0.3399% | 255 |
| Credit loss provision to net charge-offs | 128.2051% | 1,225 |
| Earnings coverage of net charge-offs (x) | 12.2692% | 1,731 |
| Efficiency ratio | 54.1227% | 3,781 |
| Assets per employee ($millions) | 6.1246% | 2,498 |
| Cash dividends to net income (ytd only)* | 97.0051% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8694% | 4,241 |
| Loan loss allowance to noncurrent loans | 135.1709% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 0.4070% | 1,983 |
| Noncurrent loans to loans | 0.6432% | 1,807 |
| Net loans and leases to total assets | 57.0619% | 2,781 |
| Net loans and leases to deposits | 62.4732% | 3,153 |
| Net loans and leases to core deposits | 72.1232% | 2,595 |
| Total domestic deposits to total assets | 91.3382% | 271 |
| Equity capital to assets | 8.5406% | 4,168 |
| Core capital (leverage) ratio | 8.5076% | 3,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $236,763,000 | 2,830 |
| Average earning assets | $178,795,000 | 3,147 |
| Average equity | $21,085,000 | 3,158 |
| Average total loans | $137,688,333 | 2,809 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5524% | 31 |
| Cost of funding earning assets | 0.6081% | 845 |
| Net interest margin | 6.9443% | 35 |
| Noninterest income to average assets | 0.2820% | 3,709 |
| Noninterest expense to average assets | 2.8007% | 1,368 |
| Loan and lease loss provision to assets | 0.3439% | 243 |
| Net operating income to assets | 2.3795% | 324 |
| Return on assets (ROA) | 2.3795% | 351 |
| Pretax return on assets | 2.3795% | 535 |
| Return on Equity (ROE) | 26.1552% | 226 |
| Retained earnings to average equity (ytd only) | 12.0949% | 1,118 |
| Net charge-offs to loans | 0.2206% | 378 |
| Credit loss provision to net charge-offs | 266.6667% | 792 |
| Earnings coverage of net charge-offs (x) | 21.1200% | 1,230 |
| Efficiency ratio | 50.7003% | 4,126 |
| Assets per employee ($millions) | 6.0286% | 2,576 |
| Cash dividends to net income (ytd only)* | 53.7572% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9262% | 4,084 |
| Loan loss allowance to noncurrent loans | 130.8554% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 0.4445% | 2,052 |
| Noncurrent loans to loans | 0.7078% | 1,824 |
| Net loans and leases to total assets | 57.0027% | 2,907 |
| Net loans and leases to deposits | 62.6766% | 3,255 |
| Net loans and leases to core deposits | 71.8923% | 2,711 |
| Total domestic deposits to total assets | 90.9473% | 420 |
| Equity capital to assets | 8.9101% | 3,778 |
| Core capital (leverage) ratio | 9.2863% | 3,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $232,653,000 | 2,845 |
| Average earning assets | $175,626,000 | 3,159 |
| Average equity | $21,166,000 | 3,143 |
| Average total loans | $136,023,500 | 2,827 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1387% | 41 |
| Cost of funding earning assets | 0.9689% | 670 |
| Net interest margin | 6.1698% | 39 |
| Noninterest income to average assets | 0.3331% | 3,467 |
| Noninterest expense to average assets | 3.0879% | 1,259 |
| Loan and lease loss provision to assets | 0.2851% | 1,333 |
| Net operating income to assets | 1.6226% | 613 |
| Return on assets (ROA) | 1.6226% | 661 |
| Pretax return on assets | 1.6226% | 1,021 |
| Return on Equity (ROE) | 16.4869% | 455 |
| Retained earnings to average equity (ytd only) | 1.9118% | 3,865 |
| Net charge-offs to loans | 0.2389% | 732 |
| Credit loss provision to net charge-offs | 202.0202% | 2,151 |
| Earnings coverage of net charge-offs (x) | 13.5185% | 2,274 |
| Efficiency ratio | 61.8128% | 3,173 |
| Assets per employee ($millions) | 5.6041% | 2,736 |
| Cash dividends to net income (ytd only)* | 88.4041% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8702% | 4,273 |
| Loan loss allowance to noncurrent loans | 363.6364% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.1825% | 3,370 |
| Noncurrent loans to loans | 0.2393% | 3,340 |
| Net loans and leases to total assets | 58.9500% | 2,987 |
| Net loans and leases to deposits | 65.0978% | 3,349 |
| Net loans and leases to core deposits | 75.1681% | 2,804 |
| Total domestic deposits to total assets | 90.5560% | 352 |
| Equity capital to assets | 9.2995% | 3,786 |
| Core capital (leverage) ratio | 9.1109% | 3,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $210,467,400 | 2,856 |
| Average earning assets | $159,048,800 | 3,178 |
| Average equity | $20,713,400 | 3,121 |
| Average total loans | $124,301,800 | 2,932 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3093% | 38 |
| Cost of funding earning assets | 1.0482% | 641 |
| Net interest margin | 6.2611% | 37 |
| Noninterest income to average assets | 0.3465% | 3,393 |
| Noninterest expense to average assets | 3.0647% | 1,304 |
| Loan and lease loss provision to assets | 0.3864% | 942 |
| Net operating income to assets | 1.6189% | 690 |
| Return on assets (ROA) | 1.6189% | 761 |
| Pretax return on assets | 1.6189% | 1,134 |
| Return on Equity (ROE) | 16.2083% | 528 |
| Retained earnings to average equity (ytd only) | 1.5409% | 4,070 |
| Net charge-offs to loans | 0.2600% | 591 |
| Credit loss provision to net charge-offs | 252.1008% | 1,914 |
| Earnings coverage of net charge-offs (x) | 13.0840% | 2,214 |
| Efficiency ratio | 60.4471% | 3,319 |
| Assets per employee ($millions) | 5.7575% | 2,489 |
| Cash dividends to net income (ytd only)* | 90.4932% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9255% | 3,992 |
| Loan loss allowance to noncurrent loans | 461.7424% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.1537% | 3,648 |
| Noncurrent loans to loans | 0.2004% | 3,586 |
| Net loans and leases to total assets | 56.6622% | 3,554 |
| Net loans and leases to deposits | 62.3646% | 3,908 |
| Net loans and leases to core deposits | 70.5288% | 3,590 |
| Total domestic deposits to total assets | 90.8563% | 201 |
| Equity capital to assets | 8.9835% | 4,132 |
| Core capital (leverage) ratio | 8.9917% | 3,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $207,043,500 | 2,865 |
| Average earning assets | $156,198,000 | 3,187 |
| Average equity | $20,680,250 | 3,122 |
| Average total loans | $122,051,250 | 2,970 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9984% | 32 |
| Cost of funding earning assets | 1.1597% | 592 |
| Net interest margin | 6.8387% | 37 |
| Noninterest income to average assets | 0.3462% | 3,400 |
| Noninterest expense to average assets | 3.2294% | 1,107 |
| Loan and lease loss provision to assets | 0.4014% | 1,003 |
| Net operating income to assets | 1.8345% | 469 |
| Return on assets (ROA) | 1.8345% | 513 |
| Pretax return on assets | 1.8345% | 763 |
| Return on Equity (ROE) | 17.6812% | 401 |
| Retained earnings to average equity (ytd only) | 4.1398% | 2,844 |
| Net charge-offs to loans | 0.4258% | 376 |
| Credit loss provision to net charge-offs | 158.1028% | 2,087 |
| Earnings coverage of net charge-offs (x) | 8.8063% | 2,264 |
| Efficiency ratio | 59.0892% | 3,541 |
| Assets per employee ($millions) | 5.6213% | 2,525 |
| Cash dividends to net income (ytd only)* | 76.5864% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7926% | 4,358 |
| Loan loss allowance to noncurrent loans | 302.4096% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.3398% | 2,944 |
| Noncurrent loans to loans | 0.2621% | 3,446 |
| Net loans and leases to total assets | 55.8879% | 3,696 |
| Net loans and leases to deposits | 61.6819% | 4,023 |
| Net loans and leases to core deposits | 70.1642% | 3,692 |
| Total domestic deposits to total assets | 90.6066% | 250 |
| Equity capital to assets | 9.2853% | 3,846 |
| Core capital (leverage) ratio | 9.9915% | 2,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2523% | 1,427 |
| Memoranda: | ||
| Average total assets | $199,291,333 | 2,907 |
| Average earning assets | $149,180,000 | 3,232 |
| Average equity | $20,677,333 | 3,117 |
| Average total loans | $118,831,000 | 2,996 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8474% | 46 |
| Cost of funding earning assets | 1.2734% | 612 |
| Net interest margin | 6.5740% | 43 |
| Noninterest income to average assets | 0.3946% | 3,143 |
| Noninterest expense to average assets | 3.2920% | 1,241 |
| Loan and lease loss provision to assets | 0.2145% | 1,432 |
| Net operating income to assets | 1.8594% | 362 |
| Return on assets (ROA) | 1.8594% | 400 |
| Pretax return on assets | 1.8594% | 611 |
| Return on Equity (ROE) | 16.8538% | 349 |
| Retained earnings to average equity (ytd only) | 4.9376% | 2,300 |
| Net charge-offs to loans | 0.6614% | 227 |
| Credit loss provision to net charge-offs | 52.6316% | 2,045 |
| Earnings coverage of net charge-offs (x) | 5.0895% | 2,085 |
| Efficiency ratio | 61.3509% | 3,570 |
| Assets per employee ($millions) | 4.8164% | 2,858 |
| Cash dividends to net income (ytd only)* | 70.7036% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6657% | 4,660 |
| Loan loss allowance to noncurrent loans | 163.1915% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 0.2907% | 3,289 |
| Noncurrent loans to loans | 0.4080% | 3,033 |
| Net loans and leases to total assets | 59.4026% | 3,558 |
| Net loans and leases to deposits | 66.6430% | 3,820 |
| Net loans and leases to core deposits | 75.2537% | 3,548 |
| Total domestic deposits to total assets | 89.1355% | 609 |
| Equity capital to assets | 10.7467% | 3,099 |
| Core capital (leverage) ratio | 11.0157% | 2,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9296% | 1,156 |
| Memoranda: | ||
| Average total assets | $186,512,000 | 2,990 |
| Average earning assets | $141,040,000 | 3,296 |
| Average equity | $20,577,000 | 3,111 |
| Average total loans | $114,912,500 | 3,013 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0992% | 44 |
| Cost of funding earning assets | 1.0499% | 1,511 |
| Net interest margin | 7.0493% | 38 |
| Noninterest income to average assets | 0.4394% | 3,059 |
| Noninterest expense to average assets | 3.7718% | 699 |
| Loan and lease loss provision to assets | 0.1686% | 1,232 |
| Net operating income to assets | 2.0415% | 311 |
| Return on assets (ROA) | 2.0415% | 332 |
| Pretax return on assets | 2.0415% | 545 |
| Return on Equity (ROE) | 17.6928% | 364 |
| Retained earnings to average equity (ytd only) | -1.2711% | 4,828 |
| Net charge-offs to loans | 0.3231% | 642 |
| Credit loss provision to net charge-offs | 80.4290% | 2,790 |
| Earnings coverage of net charge-offs (x) | 10.5442% | 2,562 |
| Efficiency ratio | 63.0531% | 3,215 |
| Assets per employee ($millions) | 4.5092% | 3,206 |
| Cash dividends to net income (ytd only)* | 107.1841% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7477% | 4,461 |
| Loan loss allowance to noncurrent loans | 139.1234% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 0.4069% | 2,770 |
| Noncurrent loans to loans | 0.5374% | 2,563 |
| Net loans and leases to total assets | 63.0702% | 3,310 |
| Net loans and leases to deposits | 71.2124% | 3,573 |
| Net loans and leases to core deposits | 79.2812% | 3,359 |
| Total domestic deposits to total assets | 88.5662% | 854 |
| Equity capital to assets | 11.3379% | 2,666 |
| Core capital (leverage) ratio | 11.2290% | 2,312 |
| Tier 1 risk-based capital ratio | 17.4894% | 1,895 |
| Total risk-based capital ratio | 18.2574% | 1,994 |
| Memoranda: | ||
| Average total assets | $177,953,800 | 3,041 |
| Average earning assets | $139,914,200 | 3,279 |
| Average equity | $20,533,800 | 3,084 |
| Average total loans | $115,438,400 | 2,998 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0257% | 44 |
| Cost of funding earning assets | 0.9961% | 1,781 |
| Net interest margin | 7.0296% | 38 |
| Noninterest income to average assets | 0.4187% | 3,209 |
| Noninterest expense to average assets | 3.7244% | 729 |
| Loan and lease loss provision to assets | 0.2255% | 758 |
| Net operating income to assets | 2.0554% | 359 |
| Return on assets (ROA) | 2.0554% | 371 |
| Pretax return on assets | 2.0554% | 611 |
| Return on Equity (ROE) | 17.7343% | 415 |
| Retained earnings to average equity (ytd only) | -1.8487% | 4,916 |
| Net charge-offs to loans | 0.2594% | 678 |
| Credit loss provision to net charge-offs | 133.3333% | 1,789 |
| Earnings coverage of net charge-offs (x) | 13.4845% | 2,290 |
| Efficiency ratio | 62.0180% | 3,323 |
| Assets per employee ($millions) | 4.5215% | 3,164 |
| Cash dividends to net income (ytd only)* | 110.4243% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8778% | 4,130 |
| Loan loss allowance to noncurrent loans | 116.5893% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 0.4766% | 2,621 |
| Noncurrent loans to loans | 0.7529% | 2,081 |
| Net loans and leases to total assets | 62.7456% | 3,414 |
| Net loans and leases to deposits | 70.8596% | 3,700 |
| Net loans and leases to core deposits | 78.6473% | 3,495 |
| Total domestic deposits to total assets | 88.5491% | 804 |
| Equity capital to assets | 11.2939% | 2,839 |
| Core capital (leverage) ratio | 11.4518% | 2,255 |
| Tier 1 risk-based capital ratio | 17.8122% | 1,873 |
| Total risk-based capital ratio | 18.7174% | 1,921 |
| Memoranda: | ||
| Average total assets | $177,350,000 | 3,077 |
| Average earning assets | $140,944,000 | 3,298 |
| Average equity | $20,554,750 | 3,107 |
| Average total loans | $115,644,000 | 3,030 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1497% | 44 |
| Cost of funding earning assets | 0.9517% | 1,900 |
| Net interest margin | 7.1980% | 39 |
| Noninterest income to average assets | 0.4189% | 3,142 |
| Noninterest expense to average assets | 3.7348% | 719 |
| Loan and lease loss provision to assets | 0.2838% | 511 |
| Net operating income to assets | 2.1183% | 311 |
| Return on assets (ROA) | 2.1183% | 324 |
| Pretax return on assets | 2.1183% | 527 |
| Return on Equity (ROE) | 18.1186% | 376 |
| Retained earnings to average equity (ytd only) | -2.6993% | 4,958 |
| Net charge-offs to loans | 0.5533% | 278 |
| Credit loss provision to net charge-offs | 77.8816% | 2,245 |
| Earnings coverage of net charge-offs (x) | 6.5919% | 2,551 |
| Efficiency ratio | 60.8583% | 3,601 |
| Assets per employee ($millions) | 4.4429% | 3,228 |
| Cash dividends to net income (ytd only)* | 114.8982% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7519% | 4,594 |
| Loan loss allowance to noncurrent loans | 162.9981% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 0.2965% | 3,362 |
| Noncurrent loans to loans | 0.4613% | 2,899 |
| Net loans and leases to total assets | 63.8003% | 3,362 |
| Net loans and leases to deposits | 72.1829% | 3,672 |
| Net loans and leases to core deposits | 80.4476% | 3,390 |
| Total domestic deposits to total assets | 88.3870% | 929 |
| Equity capital to assets | 11.4977% | 2,607 |
| Core capital (leverage) ratio | 11.7534% | 1,982 |
| Tier 1 risk-based capital ratio | 17.5494% | 1,925 |
| Total risk-based capital ratio | 18.3164% | 2,016 |
| Memoranda: | ||
| Average total assets | $176,180,330 | 3,099 |
| Average earning assets | $139,956,330 | 3,331 |
| Average equity | $20,597,670 | 3,093 |
| Average total loans | $116,030,000 | 3,027 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0246% | 47 |
| Cost of funding earning assets | 0.8699% | 2,154 |
| Net interest margin | 7.1547% | 38 |
| Noninterest income to average assets | 0.3945% | 3,218 |
| Noninterest expense to average assets | 3.6713% | 776 |
| Loan and lease loss provision to assets | 0.2280% | 677 |
| Net operating income to assets | 2.2530% | 243 |
| Return on assets (ROA) | 2.2530% | 254 |
| Pretax return on assets | 2.2530% | 394 |
| Return on Equity (ROE) | 19.1103% | 323 |
| Retained earnings to average equity (ytd only) | -1.1992% | 4,675 |
| Net charge-offs to loans | 0.3660% | 425 |
| Credit loss provision to net charge-offs | 93.4579% | 1,688 |
| Earnings coverage of net charge-offs (x) | 10.1682% | 1,974 |
| Efficiency ratio | 59.6738% | 3,853 |
| Assets per employee ($millions) | 4.4491% | 3,257 |
| Cash dividends to net income (ytd only)* | 106.2753% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7979% | 4,531 |
| Loan loss allowance to noncurrent loans | 176.8199% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 0.2933% | 3,434 |
| Noncurrent loans to loans | 0.4513% | 2,966 |
| Net loans and leases to total assets | 64.4819% | 3,227 |
| Net loans and leases to deposits | 73.0131% | 3,531 |
| Net loans and leases to core deposits | 80.6344% | 3,308 |
| Total domestic deposits to total assets | 88.3155% | 1,175 |
| Equity capital to assets | 11.6030% | 2,310 |
| Core capital (leverage) ratio | 12.0812% | 1,723 |
| Tier 1 risk-based capital ratio | 17.6797% | 1,885 |
| Total risk-based capital ratio | 18.4837% | 1,978 |
| Memoranda: | ||
| Average total assets | $175,413,500 | 3,134 |
| Average earning assets | $141,166,000 | 3,355 |
| Average equity | $20,680,000 | 3,096 |
| Average total loans | $116,924,500 | 3,052 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8354% | 45 |
| Cost of funding earning assets | 0.7512% | 1,781 |
| Net interest margin | 7.0842% | 37 |
| Noninterest income to average assets | 0.4018% | 3,429 |
| Noninterest expense to average assets | 3.5968% | 876 |
| Loan and lease loss provision to assets | 0.2183% | 830 |
| Net operating income to assets | 2.2337% | 237 |
| Return on assets (ROA) | 2.2337% | 230 |
| Pretax return on assets | 2.2337% | 328 |
| Return on Equity (ROE) | 20.0366% | 249 |
| Retained earnings to average equity (ytd only) | 2.9036% | 3,947 |
| Net charge-offs to loans | 0.5101% | 345 |
| Credit loss provision to net charge-offs | 67.6819% | 3,022 |
| Earnings coverage of net charge-offs (x) | 7.6007% | 2,976 |
| Efficiency ratio | 59.4621% | 3,950 |
| Assets per employee ($millions) | 4.3216% | 3,426 |
| Cash dividends to net income (ytd only)* | 85.5083% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7870% | 4,577 |
| Loan loss allowance to noncurrent loans | 220.3791% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.3135% | 3,302 |
| Noncurrent loans to loans | 0.3571% | 3,261 |
| Net loans and leases to total assets | 67.8233% | 2,902 |
| Net loans and leases to deposits | 77.1096% | 3,270 |
| Net loans and leases to core deposits | 85.4590% | 2,958 |
| Total domestic deposits to total assets | 87.9570% | 1,316 |
| Equity capital to assets | 11.9811% | 1,911 |
| Core capital (leverage) ratio | 11.5160% | 2,092 |
| Tier 1 risk-based capital ratio | 17.9178% | 1,779 |
| Total risk-based capital ratio | 18.7319% | 1,860 |
| Memoranda: | ||
| Average total assets | $183,192,600 | 3,025 |
| Average earning assets | $146,030,000 | 3,301 |
| Average equity | $20,422,600 | 3,055 |
| Average total loans | $115,852,800 | 3,046 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6945% | 45 |
| Cost of funding earning assets | 0.7293% | 1,685 |
| Net interest margin | 6.9652% | 38 |
| Noninterest income to average assets | 0.4249% | 3,324 |
| Noninterest expense to average assets | 3.5347% | 940 |
| Loan and lease loss provision to assets | 0.1435% | 1,384 |
| Net operating income to assets | 2.2916% | 232 |
| Return on assets (ROA) | 2.2916% | 231 |
| Pretax return on assets | 2.2916% | 345 |
| Return on Equity (ROE) | 20.9195% | 218 |
| Retained earnings to average equity (ytd only) | 3.7213% | 3,914 |
| Net charge-offs to loans | 0.4673% | 337 |
| Credit loss provision to net charge-offs | 49.5050% | 2,833 |
| Earnings coverage of net charge-offs (x) | 8.3986% | 2,715 |
| Efficiency ratio | 59.2089% | 3,934 |
| Assets per employee ($millions) | 4.5427% | 3,052 |
| Cash dividends to net income (ytd only)* | 82.2110% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7884% | 4,661 |
| Loan loss allowance to noncurrent loans | 161.4437% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 0.3786% | 3,173 |
| Noncurrent loans to loans | 0.4883% | 2,923 |
| Net loans and leases to total assets | 63.5059% | 3,485 |
| Net loans and leases to deposits | 71.8053% | 3,788 |
| Net loans and leases to core deposits | 79.2928% | 3,549 |
| Total domestic deposits to total assets | 88.4418% | 1,070 |
| Equity capital to assets | 11.3843% | 2,340 |
| Core capital (leverage) ratio | 11.3380% | 2,298 |
| Tier 1 risk-based capital ratio | 17.6625% | 1,880 |
| Total risk-based capital ratio | 18.4651% | 1,965 |
| Memoranda: | ||
| Average total assets | $185,774,750 | 3,020 |
| Average earning assets | $147,894,500 | 3,300 |
| Average equity | $20,350,500 | 3,086 |
| Average total loans | $115,273,000 | 3,075 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4392% | 49 |
| Cost of funding earning assets | 0.7229% | 1,505 |
| Net interest margin | 6.7163% | 42 |
| Noninterest income to average assets | 0.3367% | 3,933 |
| Noninterest expense to average assets | 3.4233% | 1,108 |
| Loan and lease loss provision to assets | 0.2138% | 777 |
| Net operating income to assets | 2.1311% | 290 |
| Return on assets (ROA) | 2.1311% | 285 |
| Pretax return on assets | 2.1311% | 454 |
| Return on Equity (ROE) | 19.7049% | 284 |
| Retained earnings to average equity (ytd only) | 2.4112% | 4,300 |
| Net charge-offs to loans | 0.4020% | 389 |
| Credit loss provision to net charge-offs | 86.5801% | 2,199 |
| Earnings coverage of net charge-offs (x) | 9.4978% | 2,387 |
| Efficiency ratio | 59.3478% | 4,036 |
| Assets per employee ($millions) | 4.5018% | 3,128 |
| Cash dividends to net income (ytd only)* | 87.7633% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9372% | 4,174 |
| Loan loss allowance to noncurrent loans | 261.3909% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 0.2860% | 3,618 |
| Noncurrent loans to loans | 0.3586% | 3,411 |
| Net loans and leases to total assets | 63.9802% | 3,403 |
| Net loans and leases to deposits | 72.2168% | 3,697 |
| Net loans and leases to core deposits | 80.5384% | 3,371 |
| Total domestic deposits to total assets | 88.5946% | 1,097 |
| Equity capital to assets | 11.3076% | 2,354 |
| Core capital (leverage) ratio | 10.9046% | 2,604 |
| Tier 1 risk-based capital ratio | 17.4322% | 1,959 |
| Total risk-based capital ratio | 18.3867% | 2,000 |
| Memoranda: | ||
| Average total assets | $187,131,000 | 3,026 |
| Average earning assets | $151,334,330 | 3,275 |
| Average equity | $20,238,670 | 3,110 |
| Average total loans | $114,927,000 | 3,094 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9614% | 61 |
| Cost of funding earning assets | 0.6902% | 1,494 |
| Net interest margin | 6.2713% | 54 |
| Noninterest income to average assets | 0.4175% | 3,332 |
| Noninterest expense to average assets | 3.6148% | 856 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.0833% | 308 |
| Return on assets (ROA) | 2.0833% | 310 |
| Pretax return on assets | 2.0833% | 485 |
| Return on Equity (ROE) | 19.6858% | 265 |
| Retained earnings to average equity (ytd only) | 2.3393% | 4,226 |
| Net charge-offs to loans | 0.4902% | 310 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 7.0929% | 2,118 |
| Efficiency ratio | 63.4389% | 3,569 |
| Assets per employee ($millions) | 4.7629% | 2,778 |
| Cash dividends to net income (ytd only)* | 88.1168% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8601% | 4,601 |
| Loan loss allowance to noncurrent loans | 150.0000% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 0.3947% | 3,256 |
| Noncurrent loans to loans | 0.5734% | 2,822 |
| Net loans and leases to total assets | 59.3521% | 3,809 |
| Net loans and leases to deposits | 66.4641% | 4,055 |
| Net loans and leases to core deposits | 73.4647% | 3,857 |
| Total domestic deposits to total assets | 89.2995% | 960 |
| Equity capital to assets | 10.6218% | 2,949 |
| Core capital (leverage) ratio | 10.6606% | 2,777 |
| Tier 1 risk-based capital ratio | 17.1729% | 2,068 |
| Total risk-based capital ratio | 18.0249% | 2,135 |
| Memoranda: | ||
| Average total assets | $190,660,000 | 3,025 |
| Average earning assets | $160,542,000 | 3,213 |
| Average equity | $20,177,000 | 3,143 |
| Average total loans | $114,240,000 | 3,133 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0540% | 38 |
| Cost of funding earning assets | 0.8063% | 593 |
| Net interest margin | 7.2477% | 34 |
| Noninterest income to average assets | 0.3895% | 3,705 |
| Noninterest expense to average assets | 3.3080% | 1,361 |
| Loan and lease loss provision to assets | 0.2823% | 626 |
| Net operating income to assets | 1.8737% | 359 |
| Return on assets (ROA) | 1.8737% | 367 |
| Pretax return on assets | 1.8737% | 643 |
| Return on Equity (ROE) | 18.5328% | 268 |
| Retained earnings to average equity (ytd only) | 3.8731% | 2,885 |
| Net charge-offs to loans | 0.2264% | 1,144 |
| Credit loss provision to net charge-offs | 218.2540% | 1,251 |
| Earnings coverage of net charge-offs (x) | 16.6706% | 2,163 |
| Efficiency ratio | 60.5429% | 4,179 |
| Assets per employee ($millions) | 4.7702% | 2,772 |
| Cash dividends to net income (ytd only)* | 79.1016% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9797% | 4,054 |
| Loan loss allowance to noncurrent loans | 101.5399% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 0.6336% | 2,428 |
| Noncurrent loans to loans | 0.9648% | 1,834 |
| Net loans and leases to total assets | 59.3818% | 3,892 |
| Net loans and leases to deposits | 66.4279% | 4,156 |
| Net loans and leases to core deposits | 73.3198% | 3,936 |
| Total domestic deposits to total assets | 89.3929% | 826 |
| Equity capital to assets | 10.5437% | 3,115 |
| Core capital (leverage) ratio | 10.3695% | 2,995 |
| Tier 1 risk-based capital ratio | 16.2505% | 2,345 |
| Total risk-based capital ratio | 17.1690% | 2,404 |
| Memoranda: | ||
| Average total assets | $194,859,400 | 2,972 |
| Average earning assets | $136,429,400 | 3,503 |
| Average equity | $19,700,200 | 3,177 |
| Average total loans | $111,283,600 | 3,159 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5421% | 30 |
| Cost of funding earning assets | 0.8753% | 402 |
| Net interest margin | 7.6668% | 31 |
| Noninterest income to average assets | 0.3873% | 3,773 |
| Noninterest expense to average assets | 3.2633% | 1,430 |
| Loan and lease loss provision to assets | 0.2723% | 603 |
| Net operating income to assets | 1.7766% | 486 |
| Return on assets (ROA) | 1.7766% | 501 |
| Pretax return on assets | 1.7766% | 932 |
| Return on Equity (ROE) | 17.7585% | 354 |
| Retained earnings to average equity (ytd only) | 3.4700% | 3,858 |
| Net charge-offs to loans | 0.2208% | 983 |
| Credit loss provision to net charge-offs | 218.5792% | 1,264 |
| Earnings coverage of net charge-offs (x) | 16.4483% | 2,169 |
| Efficiency ratio | 61.4300% | 3,968 |
| Assets per employee ($millions) | 4.9041% | 2,571 |
| Cash dividends to net income (ytd only)* | 80.4598% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9405% | 4,376 |
| Loan loss allowance to noncurrent loans | 140.9214% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 0.9625% | 1,768 |
| Noncurrent loans to loans | 0.6674% | 2,700 |
| Net loans and leases to total assets | 55.8426% | 4,243 |
| Net loans and leases to deposits | 62.2789% | 4,495 |
| Net loans and leases to core deposits | 67.3452% | 4,401 |
| Total domestic deposits to total assets | 89.6653% | 592 |
| Equity capital to assets | 10.1267% | 3,767 |
| Core capital (leverage) ratio | 10.1217% | 3,416 |
| Tier 1 risk-based capital ratio | 16.1858% | 2,425 |
| Total risk-based capital ratio | 17.0487% | 2,529 |
| Memoranda: | ||
| Average total assets | $195,872,750 | 2,988 |
| Average earning assets | $125,820,250 | 3,684 |
| Average equity | $19,595,750 | 3,213 |
| Average total loans | $110,498,250 | 3,197 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4236% | 35 |
| Cost of funding earning assets | 0.8779% | 351 |
| Net interest margin | 7.5456% | 34 |
| Noninterest income to average assets | 0.3841% | 3,799 |
| Noninterest expense to average assets | 3.1373% | 1,745 |
| Loan and lease loss provision to assets | 0.4086% | 317 |
| Net operating income to assets | 1.6938% | 570 |
| Return on assets (ROA) | 1.6938% | 579 |
| Pretax return on assets | 1.6938% | 1,070 |
| Return on Equity (ROE) | 16.9999% | 411 |
| Retained earnings to average equity (ytd only) | 3.5374% | 3,605 |
| Net charge-offs to loans | 0.1756% | 1,123 |
| Credit loss provision to net charge-offs | 412.3711% | 771 |
| Earnings coverage of net charge-offs (x) | 21.2165% | 1,761 |
| Efficiency ratio | 59.8752% | 4,335 |
| Assets per employee ($millions) | 4.8660% | 2,567 |
| Cash dividends to net income (ytd only)* | 79.1918% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0221% | 4,018 |
| Loan loss allowance to noncurrent loans | 43.1418% | 4,737 |
| Noncurrent assets plus other real estate owned to assets | 1.9318% | 675 |
| Noncurrent loans to loans | 2.3691% | 659 |
| Net loans and leases to total assets | 56.0240% | 4,223 |
| Net loans and leases to deposits | 62.3936% | 4,475 |
| Net loans and leases to core deposits | 67.4277% | 4,386 |
| Total domestic deposits to total assets | 89.7913% | 607 |
| Equity capital to assets | 10.1214% | 3,771 |
| Core capital (leverage) ratio | 9.8939% | 3,663 |
| Tier 1 risk-based capital ratio | 15.9526% | 2,523 |
| Total risk-based capital ratio | 16.8790% | 2,585 |
| Memoranda: | ||
| Average total assets | $195,775,670 | 2,999 |
| Average earning assets | $125,980,000 | 3,703 |
| Average equity | $19,506,000 | 3,215 |
| Average total loans | $110,470,000 | 3,215 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1250% | 37 |
| Cost of funding earning assets | 0.8699% | 334 |
| Net interest margin | 7.2551% | 38 |
| Noninterest income to average assets | 0.3749% | 3,841 |
| Noninterest expense to average assets | 3.1109% | 1,837 |
| Loan and lease loss provision to assets | 0.3056% | 432 |
| Net operating income to assets | 1.6481% | 612 |
| Return on assets (ROA) | 1.6481% | 628 |
| Pretax return on assets | 1.6481% | 1,131 |
| Return on Equity (ROE) | 16.6727% | 443 |
| Retained earnings to average equity (ytd only) | 2.2258% | 4,251 |
| Net charge-offs to loans | 0.3616% | 509 |
| Credit loss provision to net charge-offs | 150.0000% | 1,207 |
| Earnings coverage of net charge-offs (x) | 9.5900% | 1,986 |
| Efficiency ratio | 61.4240% | 4,240 |
| Assets per employee ($millions) | 5.0091% | 2,433 |
| Cash dividends to net income (ytd only)* | 86.6502% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7896% | 5,096 |
| Loan loss allowance to noncurrent loans | 33.4611% | 4,982 |
| Noncurrent assets plus other real estate owned to assets | 1.8761% | 732 |
| Noncurrent loans to loans | 2.3599% | 690 |
| Net loans and leases to total assets | 54.7424% | 4,279 |
| Net loans and leases to deposits | 60.6814% | 4,518 |
| Net loans and leases to core deposits | 65.2531% | 4,478 |
| Total domestic deposits to total assets | 90.2128% | 574 |
| Equity capital to assets | 9.7138% | 4,050 |
| Core capital (leverage) ratio | 9.9261% | 3,597 |
| Tier 1 risk-based capital ratio | 15.5478% | 2,734 |
| Total risk-based capital ratio | 16.2603% | 2,887 |
| Memoranda: | ||
| Average total assets | $196,344,500 | 3,033 |
| Average earning assets | $126,917,000 | 3,722 |
| Average equity | $19,409,000 | 3,236 |
| Average total loans | $110,620,000 | 3,240 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4314% | 34 |
| Cost of funding earning assets | 0.9258% | 257 |
| Net interest margin | 7.5056% | 37 |
| Noninterest income to average assets | 0.4136% | 3,787 |
| Noninterest expense to average assets | 3.3932% | 1,376 |
| Loan and lease loss provision to assets | 0.1821% | 1,306 |
| Net operating income to assets | 1.5624% | 741 |
| Return on assets (ROA) | 1.5634% | 763 |
| Pretax return on assets | 1.5634% | 1,385 |
| Return on Equity (ROE) | 15.7358% | 531 |
| Retained earnings to average equity (ytd only) | 1.9899% | 4,412 |
| Net charge-offs to loans | 0.4270% | 603 |
| Credit loss provision to net charge-offs | 79.9087% | 2,976 |
| Earnings coverage of net charge-offs (x) | 7.6553% | 2,982 |
| Efficiency ratio | 66.0456% | 3,580 |
| Assets per employee ($millions) | 4.8081% | 2,635 |
| Cash dividends to net income (ytd only)* | 87.3544% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7436% | 5,257 |
| Loan loss allowance to noncurrent loans | 31.4602% | 5,059 |
| Noncurrent assets plus other real estate owned to assets | 1.9581% | 711 |
| Noncurrent loans to loans | 2.3635% | 690 |
| Net loans and leases to total assets | 57.1221% | 4,150 |
| Net loans and leases to deposits | 63.5738% | 4,445 |
| Net loans and leases to core deposits | 68.5383% | 4,357 |
| Total domestic deposits to total assets | 89.8516% | 703 |
| Equity capital to assets | 10.0637% | 3,657 |
| Core capital (leverage) ratio | 10.1779% | 3,256 |
| Tier 1 risk-based capital ratio | 16.1335% | 2,494 |
| Total risk-based capital ratio | 16.8462% | 2,640 |
| Memoranda: | ||
| Average total assets | $192,208,000 | 3,044 |
| Average earning assets | $120,976,800 | 3,811 |
| Average equity | $19,096,600 | 3,261 |
| Average total loans | $102,581,400 | 3,341 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4515% | 34 |
| Cost of funding earning assets | 0.9478% | 226 |
| Net interest margin | 7.5038% | 37 |
| Noninterest income to average assets | 0.4177% | 3,797 |
| Noninterest expense to average assets | 3.2427% | 1,701 |
| Loan and lease loss provision to assets | 0.2428% | 787 |
| Net operating income to assets | 1.5846% | 753 |
| Return on assets (ROA) | 1.5846% | 794 |
| Pretax return on assets | 1.5846% | 1,424 |
| Return on Equity (ROE) | 16.0007% | 547 |
| Retained earnings to average equity (ytd only) | 1.8985% | 4,733 |
| Net charge-offs to loans | 0.4269% | 503 |
| Credit loss provision to net charge-offs | 108.6957% | 2,237 |
| Earnings coverage of net charge-offs (x) | 8.1802% | 2,799 |
| Efficiency ratio | 63.9573% | 3,942 |
| Assets per employee ($millions) | 4.7921% | 2,620 |
| Cash dividends to net income (ytd only)* | 88.1347% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8797% | 4,936 |
| Loan loss allowance to noncurrent loans | 158.0808% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 1.0142% | 2,037 |
| Noncurrent loans to loans | 0.5565% | 3,327 |
| Net loans and leases to total assets | 55.1955% | 4,387 |
| Net loans and leases to deposits | 61.4361% | 4,667 |
| Net loans and leases to core deposits | 66.5562% | 4,570 |
| Total domestic deposits to total assets | 89.8421% | 540 |
| Equity capital to assets | 10.0405% | 4,091 |
| Core capital (leverage) ratio | 9.8459% | 3,757 |
| Tier 1 risk-based capital ratio | 16.8480% | 2,279 |
| Total risk-based capital ratio | 17.6928% | 2,393 |
| Memoranda: | ||
| Average total assets | $192,178,750 | 3,052 |
| Average earning assets | $119,155,000 | 3,862 |
| Average equity | $19,032,000 | 3,292 |
| Average total loans | $100,556,000 | 3,387 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1231% | 37 |
| Cost of funding earning assets | 0.9299% | 247 |
| Net interest margin | 7.1932% | 38 |
| Noninterest income to average assets | 0.4045% | 3,845 |
| Noninterest expense to average assets | 3.2317% | 1,738 |
| Loan and lease loss provision to assets | 0.1560% | 1,461 |
| Net operating income to assets | 1.5452% | 815 |
| Return on assets (ROA) | 1.5452% | 859 |
| Pretax return on assets | 1.5452% | 1,540 |
| Return on Equity (ROE) | 15.6746% | 580 |
| Retained earnings to average equity (ytd only) | 0.9071% | 5,030 |
| Net charge-offs to loans | 0.4224% | 539 |
| Credit loss provision to net charge-offs | 72.1154% | 2,452 |
| Earnings coverage of net charge-offs (x) | 7.8654% | 2,579 |
| Efficiency ratio | 65.5143% | 3,756 |
| Assets per employee ($millions) | 4.8065% | 2,549 |
| Cash dividends to net income (ytd only)* | 94.2127% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8524% | 5,123 |
| Loan loss allowance to noncurrent loans | 260.8563% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 0.8723% | 2,415 |
| Noncurrent loans to loans | 0.3268% | 4,195 |
| Net loans and leases to total assets | 51.6048% | 4,705 |
| Net loans and leases to deposits | 57.3463% | 4,936 |
| Net loans and leases to core deposits | 61.9786% | 4,889 |
| Total domestic deposits to total assets | 89.9881% | 491 |
| Equity capital to assets | 9.9141% | 4,332 |
| Core capital (leverage) ratio | 9.8369% | 3,766 |
| Tier 1 risk-based capital ratio | 17.1275% | 2,171 |
| Total risk-based capital ratio | 17.9038% | 2,322 |
| Memoranda: | ||
| Average total assets | $192,343,670 | 3,065 |
| Average earning assets | $121,087,000 | 3,860 |
| Average equity | $18,960,670 | 3,307 |
| Average total loans | $98,494,670 | 3,431 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7067% | 44 |
| Cost of funding earning assets | 0.8957% | 302 |
| Net interest margin | 6.8110% | 45 |
| Noninterest income to average assets | 0.3909% | 3,899 |
| Noninterest expense to average assets | 3.1853% | 1,873 |
| Loan and lease loss provision to assets | 0.3119% | 497 |
| Net operating income to assets | 1.3681% | 1,099 |
| Return on assets (ROA) | 1.3681% | 1,164 |
| Pretax return on assets | 1.3681% | 2,015 |
| Return on Equity (ROE) | 13.9182% | 853 |
| Retained earnings to average equity (ytd only) | -2.7286% | 5,451 |
| Net charge-offs to loans | 0.4913% | 454 |
| Credit loss provision to net charge-offs | 125.0000% | 1,394 |
| Earnings coverage of net charge-offs (x) | 6.7333% | 2,215 |
| Efficiency ratio | 65.4701% | 3,886 |
| Assets per employee ($millions) | 5.1179% | 2,216 |
| Cash dividends to net income (ytd only)* | 119.6049% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9516% | 4,837 |
| Loan loss allowance to noncurrent loans | 326.7361% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.8844% | 2,473 |
| Noncurrent loans to loans | 0.2912% | 4,392 |
| Net loans and leases to total assets | 50.3630% | 4,773 |
| Net loans and leases to deposits | 55.8208% | 4,999 |
| Net loans and leases to core deposits | 60.1016% | 4,931 |
| Total domestic deposits to total assets | 90.2227% | 517 |
| Equity capital to assets | 9.6904% | 4,458 |
| Core capital (leverage) ratio | 9.8143% | 3,755 |
| Tier 1 risk-based capital ratio | 17.3067% | 2,182 |
| Total risk-based capital ratio | 18.1828% | 2,260 |
| Memoranda: | ||
| Average total assets | $192,385,000 | 3,074 |
| Average earning assets | $126,383,500 | 3,779 |
| Average equity | $18,910,500 | 3,312 |
| Average total loans | $97,707,500 | 3,458 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0452% | 38 |
| Cost of funding earning assets | 0.9445% | 229 |
| Net interest margin | 7.1007% | 42 |
| Noninterest income to average assets | 0.4118% | 3,941 |
| Noninterest expense to average assets | 3.1412% | 2,113 |
| Loan and lease loss provision to assets | 0.0968% | 2,375 |
| Net operating income to assets | 1.7174% | 556 |
| Return on assets (ROA) | 1.7210% | 578 |
| Pretax return on assets | 1.7210% | 952 |
| Return on Equity (ROE) | 17.3034% | 429 |
| Retained earnings to average equity (ytd only) | -0.6524% | 5,619 |
| Net charge-offs to loans | 0.4472% | 616 |
| Credit loss provision to net charge-offs | 40.6593% | 3,526 |
| Earnings coverage of net charge-offs (x) | 7.6198% | 3,056 |
| Efficiency ratio | 63.3897% | 4,382 |
| Assets per employee ($millions) | 5.0076% | 2,355 |
| Cash dividends to net income (ytd only)* | 103.7701% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9438% | 4,900 |
| Loan loss allowance to noncurrent loans | 139.2966% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 1.2003% | 1,806 |
| Noncurrent loans to loans | 0.6775% | 3,169 |
| Net loans and leases to total assets | 50.2480% | 4,845 |
| Net loans and leases to deposits | 55.8567% | 5,053 |
| Net loans and leases to core deposits | 60.8829% | 4,932 |
| Total domestic deposits to total assets | 89.9589% | 645 |
| Equity capital to assets | 9.9717% | 3,992 |
| Core capital (leverage) ratio | 9.7189% | 3,881 |
| Tier 1 risk-based capital ratio | 17.6571% | 2,070 |
| Total risk-based capital ratio | 18.5206% | 2,148 |
| Memoranda: | ||
| Average total assets | $191,106,000 | 3,038 |
| Average earning assets | $122,283,400 | 3,834 |
| Average equity | $19,007,800 | 3,263 |
| Average total loans | $101,743,000 | 3,355 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9878% | 39 |
| Cost of funding earning assets | 0.9478% | 226 |
| Net interest margin | 7.0400% | 45 |
| Noninterest income to average assets | 0.4140% | 3,976 |
| Noninterest expense to average assets | 3.0477% | 2,373 |
| Loan and lease loss provision to assets | 0.0627% | 2,930 |
| Net operating income to assets | 1.7967% | 526 |
| Return on assets (ROA) | 1.8050% | 535 |
| Pretax return on assets | 1.8050% | 889 |
| Return on Equity (ROE) | 18.1597% | 391 |
| Retained earnings to average equity (ytd only) | -0.2454% | 5,648 |
| Net charge-offs to loans | 0.1682% | 1,477 |
| Credit loss provision to net charge-offs | 69.2308% | 2,784 |
| Earnings coverage of net charge-offs (x) | 20.5229% | 1,868 |
| Efficiency ratio | 62.1077% | 4,556 |
| Assets per employee ($millions) | 5.0782% | 2,203 |
| Cash dividends to net income (ytd only)* | 101.3512% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1336% | 4,039 |
| Loan loss allowance to noncurrent loans | 48.8024% | 4,980 |
| Noncurrent assets plus other real estate owned to assets | 1.2743% | 1,833 |
| Noncurrent loans to loans | 2.3228% | 913 |
| Net loans and leases to total assets | 51.5694% | 4,792 |
| Net loans and leases to deposits | 57.3151% | 5,051 |
| Net loans and leases to core deposits | 62.8795% | 4,874 |
| Total domestic deposits to total assets | 89.9753% | 579 |
| Equity capital to assets | 9.8791% | 4,306 |
| Core capital (leverage) ratio | 9.9451% | 3,715 |
| Tier 1 risk-based capital ratio | 17.3566% | 2,236 |
| Total risk-based capital ratio | 18.4155% | 2,256 |
| Memoranda: | ||
| Average total assets | $191,310,500 | 3,062 |
| Average earning assets | $122,099,750 | 3,879 |
| Average equity | $19,016,000 | 3,295 |
| Average total loans | $103,047,000 | 3,365 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9030% | 41 |
| Cost of funding earning assets | 0.9403% | 233 |
| Net interest margin | 6.9626% | 45 |
| Noninterest income to average assets | 0.4194% | 3,929 |
| Noninterest expense to average assets | 3.0154% | 2,505 |
| Loan and lease loss provision to assets | 0.0419% | 3,271 |
| Net operating income to assets | 1.8338% | 478 |
| Return on assets (ROA) | 1.8338% | 504 |
| Pretax return on assets | 1.8338% | 841 |
| Return on Equity (ROE) | 18.4105% | 384 |
| Retained earnings to average equity (ytd only) | -1.4000% | 5,757 |
| Net charge-offs to loans | 0.0944% | 2,079 |
| Credit loss provision to net charge-offs | 81.6327% | 2,308 |
| Earnings coverage of net charge-offs (x) | 36.5102% | 1,196 |
| Efficiency ratio | 61.6506% | 4,733 |
| Assets per employee ($millions) | 5.0284% | 2,241 |
| Cash dividends to net income (ytd only)* | 107.6043% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1345% | 4,159 |
| Loan loss allowance to noncurrent loans | 54.2091% | 4,885 |
| Noncurrent assets plus other real estate owned to assets | 1.8683% | 1,221 |
| Noncurrent loans to loans | 2.0928% | 1,152 |
| Net loans and leases to total assets | 53.4517% | 4,620 |
| Net loans and leases to deposits | 59.4046% | 4,901 |
| Net loans and leases to core deposits | 65.4741% | 4,697 |
| Total domestic deposits to total assets | 89.9790% | 670 |
| Equity capital to assets | 9.9257% | 4,120 |
| Core capital (leverage) ratio | 9.9374% | 3,696 |
| Tier 1 risk-based capital ratio | 16.8358% | 2,471 |
| Total risk-based capital ratio | 17.8957% | 2,496 |
| Memoranda: | ||
| Average total assets | $190,756,330 | 3,092 |
| Average earning assets | $122,511,000 | 3,901 |
| Average equity | $19,000,000 | 3,316 |
| Average total loans | $103,844,000 | 3,361 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8832% | 40 |
| Cost of funding earning assets | 0.9248% | 250 |
| Net interest margin | 6.9584% | 45 |
| Noninterest income to average assets | 0.4386% | 3,704 |
| Noninterest expense to average assets | 2.9508% | 2,735 |
| Loan and lease loss provision to assets | 0.0839% | 2,294 |
| Net operating income to assets | 1.9518% | 368 |
| Return on assets (ROA) | 1.9518% | 388 |
| Pretax return on assets | 1.9518% | 646 |
| Return on Equity (ROE) | 19.5614% | 288 |
| Retained earnings to average equity (ytd only) | -3.4495% | 5,828 |
| Net charge-offs to loans | 0.0999% | 1,728 |
| Credit loss provision to net charge-offs | 153.8462% | 1,228 |
| Earnings coverage of net charge-offs (x) | 37.3077% | 1,018 |
| Efficiency ratio | 59.1751% | 5,198 |
| Assets per employee ($millions) | 5.2732% | 2,024 |
| Cash dividends to net income (ytd only)* | 117.6344% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1435% | 4,296 |
| Loan loss allowance to noncurrent loans | 178.6248% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 0.9200% | 2,796 |
| Noncurrent loans to loans | 0.6402% | 3,669 |
| Net loans and leases to total assets | 52.9507% | 4,556 |
| Net loans and leases to deposits | 58.7001% | 4,860 |
| Net loans and leases to core deposits | 65.1426% | 4,600 |
| Total domestic deposits to total assets | 90.2054% | 646 |
| Equity capital to assets | 9.7049% | 4,501 |
| Core capital (leverage) ratio | 9.9572% | 3,653 |
| Tier 1 risk-based capital ratio | 16.6469% | 2,612 |
| Total risk-based capital ratio | 17.6975% | 2,649 |
| Memoranda: | ||
| Average total assets | $190,595,000 | 3,114 |
| Average earning assets | $124,568,000 | 3,898 |
| Average equity | $19,017,000 | 3,335 |
| Average total loans | $104,112,500 | 3,371 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1637% | 43 |
| Cost of funding earning assets | 0.8828% | 432 |
| Net interest margin | 7.2809% | 43 |
| Noninterest income to average assets | 0.5170% | 3,380 |
| Noninterest expense to average assets | 3.2682% | 2,011 |
| Loan and lease loss provision to assets | 0.2172% | 1,140 |
| Net operating income to assets | 2.0838% | 283 |
| Return on assets (ROA) | 2.1061% | 277 |
| Pretax return on assets | 2.1061% | 406 |
| Return on Equity (ROE) | 20.6152% | 217 |
| Retained earnings to average equity (ytd only) | 2.2433% | 4,646 |
| Net charge-offs to loans | 0.4571% | 918 |
| Credit loss provision to net charge-offs | 82.6446% | 2,817 |
| Earnings coverage of net charge-offs (x) | 8.7541% | 2,835 |
| Efficiency ratio | 58.6836% | 5,382 |
| Assets per employee ($millions) | 5.0292% | 2,283 |
| Cash dividends to net income (ytd only)* | 89.1181% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1387% | 4,342 |
| Loan loss allowance to noncurrent loans | 204.6794% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 0.8609% | 3,055 |
| Noncurrent loans to loans | 0.5563% | 3,997 |
| Net loans and leases to total assets | 55.1037% | 4,439 |
| Net loans and leases to deposits | 61.4559% | 4,766 |
| Net loans and leases to core deposits | 66.3573% | 4,645 |
| Total domestic deposits to total assets | 89.6637% | 894 |
| Equity capital to assets | 10.2638% | 3,769 |
| Core capital (leverage) ratio | 10.1417% | 3,378 |
| Tier 1 risk-based capital ratio | 17.2058% | 2,424 |
| Total risk-based capital ratio | 18.2698% | 2,459 |
| Memoranda: | ||
| Average total assets | $184,135,600 | 3,164 |
| Average earning assets | $127,773,400 | 3,813 |
| Average equity | $18,811,400 | 3,308 |
| Average total loans | $105,886,400 | 3,304 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1639% | 45 |
| Cost of funding earning assets | 0.8775% | 475 |
| Net interest margin | 7.2865% | 44 |
| Noninterest income to average assets | 0.5234% | 3,375 |
| Noninterest expense to average assets | 3.3491% | 1,791 |
| Loan and lease loss provision to assets | 0.1089% | 2,222 |
| Net operating income to assets | 2.1417% | 263 |
| Return on assets (ROA) | 2.1715% | 260 |
| Pretax return on assets | 2.1715% | 391 |
| Return on Equity (ROE) | 21.2807% | 220 |
| Retained earnings to average equity (ytd only) | 2.2910% | 4,914 |
| Net charge-offs to loans | 0.2293% | 1,672 |
| Credit loss provision to net charge-offs | 81.9672% | 2,557 |
| Earnings coverage of net charge-offs (x) | 16.9402% | 1,935 |
| Efficiency ratio | 59.8081% | 5,207 |
| Assets per employee ($millions) | 4.9376% | 2,318 |
| Cash dividends to net income (ytd only)* | 89.2344% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1501% | 4,500 |
| Loan loss allowance to noncurrent loans | 90.1244% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 1.2749% | 2,414 |
| Noncurrent loans to loans | 1.2761% | 2,507 |
| Net loans and leases to total assets | 56.4364% | 4,273 |
| Net loans and leases to deposits | 62.8774% | 4,659 |
| Net loans and leases to core deposits | 68.0921% | 4,504 |
| Total domestic deposits to total assets | 89.7563% | 844 |
| Equity capital to assets | 10.1259% | 4,015 |
| Core capital (leverage) ratio | 10.0820% | 3,553 |
| Tier 1 risk-based capital ratio | 16.9065% | 2,644 |
| Total risk-based capital ratio | 18.0028% | 2,655 |
| Memoranda: | ||
| Average total assets | $183,649,000 | 3,200 |
| Average earning assets | $127,941,750 | 3,837 |
| Average equity | $18,739,500 | 3,337 |
| Average total loans | $106,428,250 | 3,317 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1556% | 42 |
| Cost of funding earning assets | 0.8687% | 504 |
| Net interest margin | 7.2869% | 42 |
| Noninterest income to average assets | 0.5002% | 3,484 |
| Noninterest expense to average assets | 3.4302% | 1,613 |
| Loan and lease loss provision to assets | 0.0548% | 3,200 |
| Net operating income to assets | 2.1314% | 260 |
| Return on assets (ROA) | 2.1764% | 247 |
| Pretax return on assets | 2.1764% | 381 |
| Return on Equity (ROE) | 21.2727% | 232 |
| Retained earnings to average equity (ytd only) | 1.1044% | 5,317 |
| Net charge-offs to loans | 0.2524% | 1,545 |
| Credit loss provision to net charge-offs | 37.3134% | 2,961 |
| Earnings coverage of net charge-offs (x) | 14.8731% | 1,887 |
| Efficiency ratio | 61.0742% | 5,134 |
| Assets per employee ($millions) | 4.9966% | 2,220 |
| Cash dividends to net income (ytd only)* | 94.8085% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0885% | 4,953 |
| Loan loss allowance to noncurrent loans | 126.9892% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 1.4696% | 2,219 |
| Noncurrent loans to loans | 0.8571% | 3,558 |
| Net loans and leases to total assets | 58.0506% | 3,986 |
| Net loans and leases to deposits | 64.6851% | 4,420 |
| Net loans and leases to core deposits | 70.1128% | 4,257 |
| Total domestic deposits to total assets | 89.7433% | 940 |
| Equity capital to assets | 10.1582% | 3,894 |
| Core capital (leverage) ratio | 10.2331% | 3,287 |
| Tier 1 risk-based capital ratio | 16.3482% | 2,905 |
| Total risk-based capital ratio | 17.3763% | 2,967 |
| Memoranda: | ||
| Average total assets | $182,323,000 | 3,229 |
| Average earning assets | $128,010,330 | 3,852 |
| Average equity | $18,653,000 | 3,333 |
| Average total loans | $106,197,000 | 3,331 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6334% | 47 |
| Cost of funding earning assets | 0.8509% | 583 |
| Net interest margin | 6.7825% | 53 |
| Noninterest income to average assets | 0.4662% | 3,663 |
| Noninterest expense to average assets | 3.3892% | 1,732 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.9376% | 375 |
| Return on assets (ROA) | 2.0282% | 337 |
| Pretax return on assets | 2.0282% | 504 |
| Return on Equity (ROE) | 19.7531% | 305 |
| Retained earnings to average equity (ytd only) | -3.7656% | 6,038 |
| Net charge-offs to loans | 0.4036% | 898 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 8.2736% | 2,039 |
| Efficiency ratio | 63.6251% | 4,917 |
| Assets per employee ($millions) | 4.9379% | 2,323 |
| Cash dividends to net income (ytd only)* | 119.0632% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0924% | 5,152 |
| Loan loss allowance to noncurrent loans | 40.5670% | 5,553 |
| Noncurrent assets plus other real estate owned to assets | 2.5035% | 1,272 |
| Noncurrent loans to loans | 2.6928% | 1,253 |
| Net loans and leases to total assets | 57.4366% | 3,932 |
| Net loans and leases to deposits | 63.9712% | 4,316 |
| Net loans and leases to core deposits | 68.9037% | 4,220 |
| Total domestic deposits to total assets | 89.7851% | 1,186 |
| Equity capital to assets | 10.1268% | 3,688 |
| Core capital (leverage) ratio | 10.1843% | 3,312 |
| Tier 1 risk-based capital ratio | 16.4272% | 2,933 |
| Total risk-based capital ratio | 17.4563% | 3,016 |
| Memoranda: | ||
| Average total assets | $181,047,000 | 3,263 |
| Average earning assets | $129,746,000 | 3,842 |
| Average equity | $18,589,500 | 3,342 |
| Average total loans | $105,044,500 | 3,365 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8774% | 66 |
| Cost of funding earning assets | 0.7636% | 1,419 |
| Net interest margin | 6.1138% | 75 |
| Noninterest income to average assets | 0.5799% | 3,211 |
| Noninterest expense to average assets | 3.3792% | 1,926 |
| Loan and lease loss provision to assets | 0.0558% | 4,032 |
| Net operating income to assets | 2.2433% | 228 |
| Return on assets (ROA) | 2.2433% | 235 |
| Pretax return on assets | 2.2433% | 294 |
| Return on Equity (ROE) | 21.9887% | 200 |
| Retained earnings to average equity (ytd only) | 3.0991% | 4,030 |
| Net charge-offs to loans | 0.0660% | 4,290 |
| Credit loss provision to net charge-offs | 140.8451% | 1,655 |
| Earnings coverage of net charge-offs (x) | 58.0704% | 706 |
| Efficiency ratio | 59.5109% | 5,539 |
| Assets per employee ($millions) | 4.8484% | 2,378 |
| Cash dividends to net income (ytd only)* | 85.9060% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2165% | 4,563 |
| Loan loss allowance to noncurrent loans | 44.3393% | 5,484 |
| Noncurrent assets plus other real estate owned to assets | 2.5040% | 1,367 |
| Noncurrent loans to loans | 2.7435% | 1,309 |
| Net loans and leases to total assets | 57.2641% | 4,153 |
| Net loans and leases to deposits | 63.9691% | 4,508 |
| Net loans and leases to core deposits | 69.2700% | 4,370 |
| Total domestic deposits to total assets | 89.5184% | 1,324 |
| Equity capital to assets | 10.4114% | 3,276 |
| Core capital (leverage) ratio | 10.3657% | 3,063 |
| Tier 1 risk-based capital ratio | 17.0744% | 2,575 |
| Total risk-based capital ratio | 18.2309% | 2,581 |
| Memoranda: | ||
| Average total assets | $179,332,800 | 3,279 |
| Average earning assets | $149,547,000 | 3,508 |
| Average equity | $18,295,800 | 3,370 |
| Average total loans | $107,619,200 | 3,288 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8477% | 69 |
| Cost of funding earning assets | 0.7511% | 1,602 |
| Net interest margin | 6.0966% | 73 |
| Noninterest income to average assets | 0.4186% | 4,380 |
| Noninterest expense to average assets | 3.3058% | 2,069 |
| Loan and lease loss provision to assets | 0.0744% | 3,568 |
| Net operating income to assets | 2.2291% | 246 |
| Return on assets (ROA) | 2.2291% | 253 |
| Pretax return on assets | 2.2291% | 360 |
| Return on Equity (ROE) | 21.9622% | 205 |
| Retained earnings to average equity (ytd only) | 2.4175% | 4,881 |
| Net charge-offs to loans | 0.1106% | 3,434 |
| Credit loss provision to net charge-offs | 111.1111% | 2,120 |
| Earnings coverage of net charge-offs (x) | 34.4213% | 1,115 |
| Efficiency ratio | 58.9343% | 5,565 |
| Assets per employee ($millions) | 4.8934% | 2,317 |
| Cash dividends to net income (ytd only)* | 88.9926% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1922% | 4,901 |
| Loan loss allowance to noncurrent loans | 54.6050% | 5,034 |
| Noncurrent assets plus other real estate owned to assets | 2.1767% | 1,832 |
| Noncurrent loans to loans | 2.1834% | 2,029 |
| Net loans and leases to total assets | 57.2630% | 4,127 |
| Net loans and leases to deposits | 63.8850% | 4,532 |
| Net loans and leases to core deposits | 68.9929% | 4,434 |
| Total domestic deposits to total assets | 89.6346% | 1,205 |
| Equity capital to assets | 10.1848% | 3,660 |
| Core capital (leverage) ratio | 10.2113% | 3,384 |
| Tier 1 risk-based capital ratio | 16.7789% | 2,822 |
| Total risk-based capital ratio | 17.9172% | 2,833 |
| Memoranda: | ||
| Average total assets | $179,318,500 | 3,305 |
| Average earning assets | $152,671,000 | 3,489 |
| Average equity | $18,200,500 | 3,423 |
| Average total loans | $108,526,250 | 3,300 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6334% | 87 |
| Cost of funding earning assets | 0.7322% | 1,821 |
| Net interest margin | 5.9011% | 90 |
| Noninterest income to average assets | 0.4263% | 4,329 |
| Noninterest expense to average assets | 3.3042% | 2,058 |
| Loan and lease loss provision to assets | 0.0559% | 3,882 |
| Net operating income to assets | 2.2603% | 233 |
| Return on assets (ROA) | 2.2603% | 248 |
| Pretax return on assets | 2.2603% | 373 |
| Return on Equity (ROE) | 22.2950% | 195 |
| Retained earnings to average equity (ytd only) | 1.5342% | 5,257 |
| Net charge-offs to loans | -0.0401% | 6,189 |
| Credit loss provision to net charge-offs | -227.2727% | 5,758 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7896% | 5,627 |
| Assets per employee ($millions) | 4.8852% | 2,251 |
| Cash dividends to net income (ytd only)* | 93.1188% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2148% | 4,904 |
| Loan loss allowance to noncurrent loans | 234.9462% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 1.2713% | 3,217 |
| Noncurrent loans to loans | 0.5170% | 4,978 |
| Net loans and leases to total assets | 58.9805% | 3,834 |
| Net loans and leases to deposits | 65.6767% | 4,303 |
| Net loans and leases to core deposits | 71.1780% | 4,151 |
| Total domestic deposits to total assets | 89.8043% | 1,147 |
| Equity capital to assets | 10.0961% | 3,795 |
| Core capital (leverage) ratio | 10.1267% | 3,326 |
| Tier 1 risk-based capital ratio | 16.3819% | 2,996 |
| Total risk-based capital ratio | 17.5588% | 2,990 |
| Memoranda: | ||
| Average total assets | $178,740,000 | 3,329 |
| Average earning assets | $157,326,000 | 3,443 |
| Average equity | $18,120,670 | 3,459 |
| Average total loans | $109,725,670 | 3,279 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2277% | 127 |
| Cost of funding earning assets | 0.6984% | 2,222 |
| Net interest margin | 5.5293% | 118 |
| Noninterest income to average assets | 0.4321% | 4,236 |
| Noninterest expense to average assets | 3.2836% | 2,121 |
| Loan and lease loss provision to assets | 0.1125% | 2,825 |
| Net operating income to assets | 2.2213% | 232 |
| Return on assets (ROA) | 2.2213% | 257 |
| Pretax return on assets | 2.2213% | 398 |
| Return on Equity (ROE) | 21.8647% | 206 |
| Retained earnings to average equity (ytd only) | -2.3703% | 6,120 |
| Net charge-offs to loans | 0.2965% | 1,781 |
| Credit loss provision to net charge-offs | 60.9756% | 2,434 |
| Earnings coverage of net charge-offs (x) | 12.6463% | 1,581 |
| Efficiency ratio | 58.4535% | 5,790 |
| Assets per employee ($millions) | 5.0879% | 2,113 |
| Cash dividends to net income (ytd only)* | 110.8409% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0992% | 5,610 |
| Loan loss allowance to noncurrent loans | 376.0870% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 1.2467% | 3,483 |
| Noncurrent loans to loans | 0.2923% | 5,676 |
| Net loans and leases to total assets | 61.1855% | 3,225 |
| Net loans and leases to deposits | 68.1311% | 3,760 |
| Net loans and leases to core deposits | 74.0683% | 3,567 |
| Total domestic deposits to total assets | 89.8054% | 1,161 |
| Equity capital to assets | 10.1098% | 4,004 |
| Core capital (leverage) ratio | 10.1445% | 3,226 |
| Tier 1 risk-based capital ratio | 16.4503% | 3,033 |
| Total risk-based capital ratio | 17.5568% | 3,057 |
| Memoranda: | ||
| Average total assets | $177,733,500 | 3,373 |
| Average earning assets | $166,675,000 | 3,331 |
| Average equity | $18,056,500 | 3,516 |
| Average total loans | $110,628,500 | 3,273 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3234% | 162 |
| Cost of funding earning assets | 0.7755% | 2,867 |
| Net interest margin | 5.5479% | 158 |
| Noninterest income to average assets | 0.5894% | 3,341 |
| Noninterest expense to average assets | 3.1981% | 2,621 |
| Loan and lease loss provision to assets | 0.2978% | 2,297 |
| Net operating income to assets | 2.3121% | 207 |
| Return on assets (ROA) | 2.3121% | 224 |
| Pretax return on assets | 2.3121% | 332 |
| Return on Equity (ROE) | 22.9989% | 180 |
| Retained earnings to average equity (ytd only) | 3.4984% | 3,757 |
| Net charge-offs to loans | 0.5379% | 2,119 |
| Credit loss provision to net charge-offs | 87.9397% | 3,554 |
| Earnings coverage of net charge-offs (x) | 7.7069% | 2,547 |
| Efficiency ratio | 55.0640% | 6,163 |
| Assets per employee ($millions) | 5.0683% | 2,145 |
| Cash dividends to net income (ytd only)* | 84.7890% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1144% | 5,491 |
| Loan loss allowance to noncurrent loans | 239.4584% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 1.3608% | 3,359 |
| Noncurrent loans to loans | 0.4654% | 5,358 |
| Net loans and leases to total assets | 61.9261% | 3,260 |
| Net loans and leases to deposits | 69.0246% | 3,835 |
| Net loans and leases to core deposits | 75.5215% | 3,600 |
| Total domestic deposits to total assets | 89.7160% | 1,116 |
| Equity capital to assets | 10.2090% | 3,875 |
| Core capital (leverage) ratio | 10.1307% | 3,232 |
| Tier 1 risk-based capital ratio | 16.4693% | 2,908 |
| Total risk-based capital ratio | 17.5952% | 2,927 |
| Memoranda: | ||
| Average total assets | $176,291,400 | 3,359 |
| Average earning assets | $165,828,400 | 3,291 |
| Average equity | $17,722,600 | 3,505 |
| Average total loans | $110,986,800 | 3,277 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2898% | 183 |
| Cost of funding earning assets | 0.7852% | 3,072 |
| Net interest margin | 5.5046% | 173 |
| Noninterest income to average assets | 0.5999% | 3,271 |
| Noninterest expense to average assets | 3.0390% | 3,099 |
| Loan and lease loss provision to assets | 0.3977% | 1,609 |
| Net operating income to assets | 2.3459% | 228 |
| Return on assets (ROA) | 2.3459% | 246 |
| Pretax return on assets | 2.3459% | 377 |
| Return on Equity (ROE) | 23.4273% | 182 |
| Retained earnings to average equity (ytd only) | 3.2452% | 4,587 |
| Net charge-offs to loans | 0.5744% | 1,902 |
| Credit loss provision to net charge-offs | 109.8326% | 2,674 |
| Earnings coverage of net charge-offs (x) | 7.5774% | 2,585 |
| Efficiency ratio | 52.5544% | 6,396 |
| Assets per employee ($millions) | 5.1105% | 2,041 |
| Cash dividends to net income (ytd only)* | 86.1478% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1897% | 5,328 |
| Loan loss allowance to noncurrent loans | 179.6000% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 1.1399% | 4,008 |
| Noncurrent loans to loans | 0.6624% | 5,119 |
| Net loans and leases to total assets | 62.5452% | 3,291 |
| Net loans and leases to deposits | 69.6080% | 3,948 |
| Net loans and leases to core deposits | 76.6707% | 3,651 |
| Total domestic deposits to total assets | 89.8535% | 924 |
| Equity capital to assets | 10.0179% | 4,468 |
| Core capital (leverage) ratio | 9.9956% | 3,552 |
| Tier 1 risk-based capital ratio | 16.3789% | 3,077 |
| Total risk-based capital ratio | 17.6101% | 3,045 |
| Memoranda: | ||
| Average total assets | $176,016,250 | 3,411 |
| Average earning assets | $165,724,750 | 3,326 |
| Average equity | $17,625,750 | 3,554 |
| Average total loans | $110,961,000 | 3,307 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2091% | 215 |
| Cost of funding earning assets | 0.7936% | 3,242 |
| Net interest margin | 5.4155% | 207 |
| Noninterest income to average assets | 0.5975% | 3,272 |
| Noninterest expense to average assets | 3.0126% | 3,216 |
| Loan and lease loss provision to assets | 0.3713% | 1,766 |
| Net operating income to assets | 2.3123% | 235 |
| Return on assets (ROA) | 2.3123% | 264 |
| Pretax return on assets | 2.3123% | 403 |
| Return on Equity (ROE) | 23.0945% | 202 |
| Retained earnings to average equity (ytd only) | 1.6317% | 5,392 |
| Net charge-offs to loans | 0.7223% | 1,528 |
| Credit loss provision to net charge-offs | 81.6583% | 3,271 |
| Earnings coverage of net charge-offs (x) | 5.9020% | 2,734 |
| Efficiency ratio | 52.8881% | 6,433 |
| Assets per employee ($millions) | 5.1235% | 2,002 |
| Cash dividends to net income (ytd only)* | 92.9348% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0950% | 5,796 |
| Loan loss allowance to noncurrent loans | 376.9231% | 959 |
| Noncurrent assets plus other real estate owned to assets | 1.0947% | 4,189 |
| Noncurrent loans to loans | 0.2905% | 5,986 |
| Net loans and leases to total assets | 61.7012% | 3,495 |
| Net loans and leases to deposits | 68.5159% | 4,120 |
| Net loans and leases to core deposits | 75.5261% | 3,814 |
| Total domestic deposits to total assets | 90.0538% | 895 |
| Equity capital to assets | 9.8330% | 4,570 |
| Core capital (leverage) ratio | 10.0361% | 3,374 |
| Tier 1 risk-based capital ratio | 16.1784% | 3,081 |
| Total risk-based capital ratio | 17.3023% | 3,105 |
| Memoranda: | ||
| Average total assets | $175,065,330 | 3,435 |
| Average earning assets | $164,823,670 | 3,348 |
| Average equity | $17,528,000 | 3,566 |
| Average total loans | $110,207,670 | 3,328 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3337% | 199 |
| Cost of funding earning assets | 0.8006% | 3,470 |
| Net interest margin | 5.5331% | 172 |
| Noninterest income to average assets | 0.6037% | 3,210 |
| Noninterest expense to average assets | 3.0046% | 3,227 |
| Loan and lease loss provision to assets | 0.3469% | 1,800 |
| Net operating income to assets | 2.4633% | 191 |
| Return on assets (ROA) | 2.4633% | 231 |
| Pretax return on assets | 2.4633% | 350 |
| Return on Equity (ROE) | 24.3770% | 204 |
| Retained earnings to average equity (ytd only) | -0.6638% | 6,100 |
| Net charge-offs to loans | 0.4315% | 2,021 |
| Credit loss provision to net charge-offs | 127.1186% | 1,896 |
| Earnings coverage of net charge-offs (x) | 10.2966% | 1,768 |
| Efficiency ratio | 51.6706% | 6,572 |
| Assets per employee ($millions) | 4.9830% | 2,275 |
| Cash dividends to net income (ytd only)* | 102.7230% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2095% | 5,442 |
| Loan loss allowance to noncurrent loans | 463.9860% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.9627% | 4,582 |
| Noncurrent loans to loans | 0.2607% | 6,168 |
| Net loans and leases to total assets | 62.1494% | 3,229 |
| Net loans and leases to deposits | 69.1454% | 3,853 |
| Net loans and leases to core deposits | 76.3027% | 3,584 |
| Total domestic deposits to total assets | 89.8821% | 1,146 |
| Equity capital to assets | 10.0118% | 4,114 |
| Core capital (leverage) ratio | 10.1958% | 3,110 |
| Tier 1 risk-based capital ratio | 16.2336% | 3,055 |
| Total risk-based capital ratio | 17.4673% | 3,022 |
| Memoranda: | ||
| Average total assets | $172,936,000 | 3,480 |
| Average earning assets | $162,873,500 | 3,394 |
| Average equity | $17,475,500 | 3,574 |
| Average total loans | $109,376,500 | 3,366 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7990% | 127 |
| Cost of funding earning assets | 0.9354% | 3,836 |
| Net interest margin | 5.8636% | 107 |
| Noninterest income to average assets | 0.6713% | 2,777 |
| Noninterest expense to average assets | 3.4469% | 2,128 |
| Loan and lease loss provision to assets | 0.2755% | 3,463 |
| Net operating income to assets | 2.4109% | 155 |
| Return on assets (ROA) | 2.4109% | 163 |
| Pretax return on assets | 2.4109% | 247 |
| Return on Equity (ROE) | 23.8801% | 137 |
| Retained earnings to average equity (ytd only) | 8.5651% | 908 |
| Net charge-offs to loans | 0.2837% | 4,004 |
| Credit loss provision to net charge-offs | 149.3506% | 1,897 |
| Earnings coverage of net charge-offs (x) | 14.5649% | 1,448 |
| Efficiency ratio | 56.2000% | 6,290 |
| Assets per employee ($millions) | 4.8991% | 2,321 |
| Cash dividends to net income (ytd only)* | 64.1331% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1794% | 5,488 |
| Loan loss allowance to noncurrent loans | 251.1719% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 1.1110% | 4,387 |
| Noncurrent loans to loans | 0.4696% | 5,773 |
| Net loans and leases to total assets | 62.8391% | 3,443 |
| Net loans and leases to deposits | 70.0551% | 4,087 |
| Net loans and leases to core deposits | 77.2007% | 3,797 |
| Total domestic deposits to total assets | 89.6995% | 1,158 |
| Equity capital to assets | 10.2002% | 3,904 |
| Core capital (leverage) ratio | 10.1073% | 3,219 |
| Tier 1 risk-based capital ratio | 16.4050% | 2,860 |
| Total risk-based capital ratio | 17.6112% | 2,851 |
| Memoranda: | ||
| Average total assets | $166,991,600 | 3,536 |
| Average earning assets | $155,551,800 | 3,481 |
| Average equity | $16,859,200 | 3,599 |
| Average total loans | $108,552,800 | 3,416 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8808% | 117 |
| Cost of funding earning assets | 0.9639% | 3,937 |
| Net interest margin | 5.9168% | 101 |
| Noninterest income to average assets | 0.6832% | 2,708 |
| Noninterest expense to average assets | 3.4893% | 1,963 |
| Loan and lease loss provision to assets | 0.2170% | 3,846 |
| Net operating income to assets | 2.4733% | 162 |
| Return on assets (ROA) | 2.4733% | 169 |
| Pretax return on assets | 2.4733% | 262 |
| Return on Equity (ROE) | 24.5640% | 145 |
| Retained earnings to average equity (ytd only) | 9.5398% | 971 |
| Net charge-offs to loans | 0.4242% | 3,022 |
| Credit loss provision to net charge-offs | 78.2609% | 4,196 |
| Earnings coverage of net charge-offs (x) | 9.7014% | 2,013 |
| Efficiency ratio | 56.4646% | 6,217 |
| Assets per employee ($millions) | 4.9869% | 2,204 |
| Cash dividends to net income (ytd only)* | 61.1635% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9785% | 6,361 |
| Loan loss allowance to noncurrent loans | 626.6272% | 548 |
| Noncurrent assets plus other real estate owned to assets | 1.1892% | 4,408 |
| Noncurrent loans to loans | 0.1562% | 6,559 |
| Net loans and leases to total assets | 59.6946% | 4,192 |
| Net loans and leases to deposits | 66.1323% | 4,885 |
| Net loans and leases to core deposits | 72.1223% | 4,700 |
| Total domestic deposits to total assets | 90.2655% | 737 |
| Equity capital to assets | 9.6036% | 4,930 |
| Core capital (leverage) ratio | 10.1249% | 3,279 |
| Tier 1 risk-based capital ratio | 16.0546% | 3,090 |
| Total risk-based capital ratio | 17.0407% | 3,185 |
| Memoranda: | ||
| Average total assets | $165,872,500 | 3,576 |
| Average earning assets | $154,087,750 | 3,526 |
| Average equity | $16,701,500 | 3,628 |
| Average total loans | $108,432,250 | 3,454 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0842% | 96 |
| Cost of funding earning assets | 0.9926% | 3,995 |
| Net interest margin | 6.0916% | 89 |
| Noninterest income to average assets | 0.6682% | 2,724 |
| Noninterest expense to average assets | 3.4924% | 2,000 |
| Loan and lease loss provision to assets | 0.2418% | 3,489 |
| Net operating income to assets | 2.5948% | 151 |
| Return on assets (ROA) | 2.5948% | 156 |
| Pretax return on assets | 2.5948% | 217 |
| Return on Equity (ROE) | 25.3364% | 126 |
| Retained earnings to average equity (ytd only) | 11.0279% | 661 |
| Net charge-offs to loans | 0.3152% | 3,293 |
| Credit loss provision to net charge-offs | 114.0351% | 2,686 |
| Earnings coverage of net charge-offs (x) | 13.3801% | 1,554 |
| Efficiency ratio | 55.1812% | 6,489 |
| Assets per employee ($millions) | 4.5394% | 2,771 |
| Cash dividends to net income (ytd only)* | 56.4740% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0633% | 6,083 |
| Loan loss allowance to noncurrent loans | 373.9414% | 855 |
| Noncurrent assets plus other real estate owned to assets | 1.6393% | 3,717 |
| Noncurrent loans to loans | 0.2843% | 6,352 |
| Net loans and leases to total assets | 65.3669% | 3,170 |
| Net loans and leases to deposits | 73.0587% | 3,946 |
| Net loans and leases to core deposits | 81.2304% | 3,618 |
| Total domestic deposits to total assets | 89.4718% | 1,257 |
| Equity capital to assets | 10.3764% | 3,658 |
| Core capital (leverage) ratio | 10.4076% | 2,821 |
| Tier 1 risk-based capital ratio | 15.9752% | 2,987 |
| Total risk-based capital ratio | 17.0802% | 3,040 |
| Memoranda: | ||
| Average total assets | $161,321,000 | 3,668 |
| Average earning assets | $149,912,000 | 3,626 |
| Average equity | $16,521,670 | 3,647 |
| Average total loans | $108,500,670 | 3,494 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9882% | 108 |
| Cost of funding earning assets | 1.0175% | 4,072 |
| Net interest margin | 5.9707% | 101 |
| Noninterest income to average assets | 0.6314% | 2,953 |
| Noninterest expense to average assets | 3.4791% | 2,062 |
| Loan and lease loss provision to assets | 0.2121% | 3,527 |
| Net operating income to assets | 2.4908% | 178 |
| Return on assets (ROA) | 2.4908% | 184 |
| Pretax return on assets | 2.4908% | 248 |
| Return on Equity (ROE) | 24.4848% | 182 |
| Retained earnings to average equity (ytd only) | 12.6595% | 645 |
| Net charge-offs to loans | 0.1471% | 3,605 |
| Credit loss provision to net charge-offs | 212.5000% | 1,411 |
| Earnings coverage of net charge-offs (x) | 27.0750% | 910 |
| Efficiency ratio | 56.2778% | 6,471 |
| Assets per employee ($millions) | 4.6373% | 2,678 |
| Cash dividends to net income (ytd only)* | 48.2966% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0974% | 6,056 |
| Loan loss allowance to noncurrent loans | 192.5806% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 1.8650% | 3,477 |
| Noncurrent loans to loans | 0.5698% | 5,882 |
| Net loans and leases to total assets | 66.3005% | 2,931 |
| Net loans and leases to deposits | 73.9428% | 3,766 |
| Net loans and leases to core deposits | 82.1731% | 3,431 |
| Total domestic deposits to total assets | 89.6645% | 1,382 |
| Equity capital to assets | 10.2042% | 3,534 |
| Core capital (leverage) ratio | 10.3696% | 2,740 |
| Tier 1 risk-based capital ratio | 15.7378% | 3,030 |
| Total risk-based capital ratio | 16.8724% | 3,052 |
| Memoranda: | ||
| Average total assets | $160,272,000 | 3,706 |
| Average earning assets | $148,993,500 | 3,660 |
| Average equity | $16,304,000 | 3,674 |
| Average total loans | $108,766,000 | 3,519 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1802% | 116 |
| Cost of funding earning assets | 1.3337% | 3,668 |
| Net interest margin | 5.8466% | 116 |
| Noninterest income to average assets | 0.6956% | 2,861 |
| Noninterest expense to average assets | 3.3673% | 2,533 |
| Loan and lease loss provision to assets | 0.6346% | 2,594 |
| Net operating income to assets | 2.0541% | 260 |
| Return on assets (ROA) | 2.0647% | 263 |
| Pretax return on assets | 2.0647% | 421 |
| Return on Equity (ROE) | 21.3996% | 183 |
| Retained earnings to average equity (ytd only) | 8.7526% | 769 |
| Net charge-offs to loans | 0.8151% | 2,601 |
| Credit loss provision to net charge-offs | 117.5786% | 3,632 |
| Earnings coverage of net charge-offs (x) | 4.9814% | 2,750 |
| Efficiency ratio | 55.6028% | 6,643 |
| Assets per employee ($millions) | 3.9560% | 3,871 |
| Cash dividends to net income (ytd only)* | 59.0992% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0568% | 6,122 |
| Loan loss allowance to noncurrent loans | 334.9854% | 928 |
| Noncurrent assets plus other real estate owned to assets | 1.6886% | 3,767 |
| Noncurrent loans to loans | 0.3155% | 6,425 |
| Net loans and leases to total assets | 67.9858% | 2,988 |
| Net loans and leases to deposits | 75.7664% | 3,879 |
| Net loans and leases to core deposits | 84.7040% | 3,492 |
| Total domestic deposits to total assets | 89.7307% | 1,251 |
| Equity capital to assets | 10.1404% | 3,571 |
| Core capital (leverage) ratio | 9.9384% | 3,155 |
| Tier 1 risk-based capital ratio | 15.2424% | 3,130 |
| Total risk-based capital ratio | 16.3310% | 3,145 |
| Memoranda: | ||
| Average total assets | $159,148,800 | 3,713 |
| Average earning assets | $145,914,400 | 3,709 |
| Average equity | $15,355,400 | 3,880 |
| Average total loans | $105,381,200 | 3,644 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1294% | 123 |
| Cost of funding earning assets | 1.3750% | 3,744 |
| Net interest margin | 5.7544% | 124 |
| Noninterest income to average assets | 0.6835% | 2,921 |
| Noninterest expense to average assets | 3.2083% | 2,903 |
| Loan and lease loss provision to assets | 0.7404% | 2,065 |
| Net operating income to assets | 1.9936% | 343 |
| Return on assets (ROA) | 2.0028% | 368 |
| Pretax return on assets | 2.0028% | 615 |
| Return on Equity (ROE) | 21.0233% | 253 |
| Retained earnings to average equity (ytd only) | 8.3426% | 1,296 |
| Net charge-offs to loans | 0.9807% | 2,039 |
| Credit loss provision to net charge-offs | 115.0845% | 3,631 |
| Earnings coverage of net charge-offs (x) | 4.2497% | 3,136 |
| Efficiency ratio | 53.9913% | 6,789 |
| Assets per employee ($millions) | 4.0591% | 3,719 |
| Cash dividends to net income (ytd only)* | 60.3176% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0268% | 6,279 |
| Loan loss allowance to noncurrent loans | 492.9204% | 612 |
| Noncurrent assets plus other real estate owned to assets | 1.5946% | 4,061 |
| Noncurrent loans to loans | 0.2083% | 6,763 |
| Net loans and leases to total assets | 66.1368% | 3,656 |
| Net loans and leases to deposits | 73.3407% | 4,631 |
| Net loans and leases to core deposits | 81.8072% | 4,272 |
| Total domestic deposits to total assets | 90.1775% | 786 |
| Equity capital to assets | 9.6402% | 4,638 |
| Core capital (leverage) ratio | 9.6058% | 3,759 |
| Tier 1 risk-based capital ratio | 14.6941% | 3,394 |
| Total risk-based capital ratio | 15.7399% | 3,490 |
| Memoranda: | ||
| Average total assets | $159,376,250 | 3,768 |
| Average earning assets | $145,646,750 | 3,756 |
| Average equity | $15,182,750 | 3,955 |
| Average total loans | $104,544,250 | 3,723 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1562% | 129 |
| Cost of funding earning assets | 1.4076% | 3,828 |
| Net interest margin | 5.7486% | 128 |
| Noninterest income to average assets | 0.6541% | 2,990 |
| Noninterest expense to average assets | 3.2681% | 2,664 |
| Loan and lease loss provision to assets | 0.5493% | 2,580 |
| Net operating income to assets | 2.0558% | 305 |
| Return on assets (ROA) | 2.0697% | 317 |
| Pretax return on assets | 2.0697% | 521 |
| Return on Equity (ROE) | 21.8150% | 217 |
| Retained earnings to average equity (ytd only) | 9.0108% | 1,104 |
| Net charge-offs to loans | 0.8060% | 2,233 |
| Credit loss provision to net charge-offs | 104.5673% | 3,903 |
| Earnings coverage of net charge-offs (x) | 4.9591% | 2,795 |
| Efficiency ratio | 55.6439% | 6,682 |
| Assets per employee ($millions) | 4.0317% | 3,712 |
| Cash dividends to net income (ytd only)* | 58.6943% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9486% | 6,599 |
| Loan loss allowance to noncurrent loans | 130.0129% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 1.9657% | 3,534 |
| Noncurrent loans to loans | 0.7296% | 5,798 |
| Net loans and leases to total assets | 65.0726% | 4,027 |
| Net loans and leases to deposits | 72.0687% | 4,979 |
| Net loans and leases to core deposits | 80.2680% | 4,665 |
| Total domestic deposits to total assets | 90.2924% | 772 |
| Equity capital to assets | 9.5364% | 4,651 |
| Core capital (leverage) ratio | 9.6707% | 3,576 |
| Tier 1 risk-based capital ratio | 14.2632% | 3,566 |
| Total risk-based capital ratio | 15.1953% | 3,732 |
| Memoranda: | ||
| Average total assets | $158,381,000 | 3,822 |
| Average earning assets | $143,792,000 | 3,821 |
| Average equity | $15,026,330 | 3,988 |
| Average total loans | $103,227,330 | 3,798 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2869% | 120 |
| Cost of funding earning assets | 1.4517% | 3,862 |
| Net interest margin | 5.8352% | 125 |
| Noninterest income to average assets | 0.6143% | 3,175 |
| Noninterest expense to average assets | 3.3822% | 2,285 |
| Loan and lease loss provision to assets | 0.4843% | 2,561 |
| Net operating income to assets | 1.9829% | 355 |
| Return on assets (ROA) | 1.9829% | 391 |
| Pretax return on assets | 1.9829% | 624 |
| Return on Equity (ROE) | 20.9562% | 333 |
| Retained earnings to average equity (ytd only) | 7.9731% | 1,717 |
| Net charge-offs to loans | 0.8089% | 1,921 |
| Credit loss provision to net charge-offs | 92.2330% | 3,613 |
| Earnings coverage of net charge-offs (x) | 4.6990% | 2,568 |
| Efficiency ratio | 57.8214% | 6,517 |
| Assets per employee ($millions) | 3.9566% | 3,978 |
| Cash dividends to net income (ytd only)* | 61.9537% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9513% | 6,664 |
| Loan loss allowance to noncurrent loans | 1,201.2346% | 285 |
| Noncurrent assets plus other real estate owned to assets | 1.4805% | 4,292 |
| Noncurrent loans to loans | 0.0792% | 7,195 |
| Net loans and leases to total assets | 64.0116% | 4,326 |
| Net loans and leases to deposits | 70.8528% | 5,223 |
| Net loans and leases to core deposits | 79.1453% | 4,875 |
| Total domestic deposits to total assets | 90.3445% | 808 |
| Equity capital to assets | 9.4767% | 4,569 |
| Core capital (leverage) ratio | 9.6043% | 3,637 |
| Tier 1 risk-based capital ratio | 14.5960% | 3,325 |
| Total risk-based capital ratio | 15.5429% | 3,457 |
| Memoranda: | ||
| Average total assets | $156,938,500 | 3,897 |
| Average earning assets | $140,801,000 | 3,945 |
| Average equity | $14,850,000 | 4,047 |
| Average total loans | $101,868,500 | 3,893 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0892% | 243 |
| Cost of funding earning assets | 2.2426% | 1,861 |
| Net interest margin | 4.8466% | 627 |
| Noninterest income to average assets | 0.6591% | 3,226 |
| Noninterest expense to average assets | 3.0294% | 4,029 |
| Loan and lease loss provision to assets | 0.3568% | 4,663 |
| Net operating income to assets | 1.7521% | 397 |
| Return on assets (ROA) | 1.7670% | 404 |
| Pretax return on assets | 1.7670% | 677 |
| Return on Equity (ROE) | 19.1677% | 293 |
| Retained earnings to average equity (ytd only) | 6.2415% | 1,256 |
| Net charge-offs to loans | 0.3899% | 4,261 |
| Credit loss provision to net charge-offs | 141.3882% | 3,425 |
| Earnings coverage of net charge-offs (x) | 8.3573% | 1,958 |
| Efficiency ratio | 58.9572% | 6,621 |
| Assets per employee ($millions) | 3.8904% | 4,047 |
| Cash dividends to net income (ytd only)* | 67.4376% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9837% | 6,470 |
| Loan loss allowance to noncurrent loans | 263.3245% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 1.8963% | 3,537 |
| Noncurrent loans to loans | 0.3736% | 6,530 |
| Net loans and leases to total assets | 64.5568% | 4,482 |
| Net loans and leases to deposits | 71.4306% | 5,412 |
| Net loans and leases to core deposits | 108.6019% | 3,042 |
| Total domestic deposits to total assets | 90.3769% | 791 |
| Equity capital to assets | 9.4477% | 4,490 |
| Core capital (leverage) ratio | 9.2999% | 3,977 |
| Tier 1 risk-based capital ratio | 14.3268% | 3,300 |
| Total risk-based capital ratio | 15.2993% | 3,421 |
| Memoranda: | ||
| Average total assets | $154,156,400 | 3,893 |
| Average earning assets | $142,470,200 | 3,851 |
| Average equity | $14,211,400 | 4,206 |
| Average total loans | $99,779,600 | 3,960 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0696% | 270 |
| Cost of funding earning assets | 2.3584% | 1,775 |
| Net interest margin | 4.7112% | 814 |
| Noninterest income to average assets | 0.6493% | 3,349 |
| Noninterest expense to average assets | 2.9121% | 4,407 |
| Loan and lease loss provision to assets | 0.4075% | 3,880 |
| Net operating income to assets | 1.7044% | 557 |
| Return on assets (ROA) | 1.7044% | 585 |
| Pretax return on assets | 1.7044% | 968 |
| Return on Equity (ROE) | 18.6054% | 393 |
| Retained earnings to average equity (ytd only) | 5.7728% | 2,062 |
| Net charge-offs to loans | 0.3516% | 3,882 |
| Credit loss provision to net charge-offs | 179.3893% | 2,561 |
| Earnings coverage of net charge-offs (x) | 9.2978% | 2,126 |
| Efficiency ratio | 57.9638% | 6,718 |
| Assets per employee ($millions) | 3.8819% | 3,987 |
| Cash dividends to net income (ytd only)* | 68.9723% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0343% | 6,087 |
| Loan loss allowance to noncurrent loans | 277.9255% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 1.3917% | 4,312 |
| Noncurrent loans to loans | 0.3721% | 6,605 |
| Net loans and leases to total assets | 64.3976% | 4,774 |
| Net loans and leases to deposits | 71.1828% | 5,778 |
| Net loans and leases to core deposits | 108.0829% | 3,461 |
| Total domestic deposits to total assets | 90.4679% | 601 |
| Equity capital to assets | 9.2899% | 5,052 |
| Core capital (leverage) ratio | 9.2833% | 4,214 |
| Tier 1 risk-based capital ratio | 14.0645% | 3,509 |
| Total risk-based capital ratio | 15.0834% | 3,601 |
| Memoranda: | ||
| Average total assets | $153,791,750 | 3,919 |
| Average earning assets | $142,805,750 | 3,873 |
| Average equity | $14,088,750 | 4,274 |
| Average total loans | $99,360,000 | 4,005 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0003% | 317 |
| Cost of funding earning assets | 2.4179% | 1,889 |
| Net interest margin | 4.5824% | 995 |
| Noninterest income to average assets | 0.6080% | 3,628 |
| Noninterest expense to average assets | 2.8702% | 4,638 |
| Loan and lease loss provision to assets | 0.4436% | 3,321 |
| Net operating income to assets | 1.5643% | 736 |
| Return on assets (ROA) | 1.5643% | 793 |
| Pretax return on assets | 1.5643% | 1,289 |
| Return on Equity (ROE) | 17.1572% | 564 |
| Retained earnings to average equity (ytd only) | 4.6363% | 2,716 |
| Net charge-offs to loans | 0.3988% | 3,204 |
| Credit loss provision to net charge-offs | 172.5888% | 2,665 |
| Earnings coverage of net charge-offs (x) | 7.8122% | 2,380 |
| Efficiency ratio | 58.8393% | 6,715 |
| Assets per employee ($millions) | 3.8783% | 3,920 |
| Cash dividends to net income (ytd only)* | 72.9775% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9900% | 6,322 |
| Loan loss allowance to noncurrent loans | 366.6667% | 864 |
| Noncurrent assets plus other real estate owned to assets | 1.6296% | 3,769 |
| Noncurrent loans to loans | 0.2700% | 6,852 |
| Net loans and leases to total assets | 63.1155% | 5,161 |
| Net loans and leases to deposits | 69.6281% | 6,026 |
| Net loans and leases to core deposits | 105.4189% | 3,910 |
| Total domestic deposits to total assets | 90.6466% | 575 |
| Equity capital to assets | 9.1143% | 5,146 |
| Core capital (leverage) ratio | 9.1454% | 4,393 |
| Tier 1 risk-based capital ratio | 13.8665% | 3,596 |
| Total risk-based capital ratio | 14.8267% | 3,700 |
| Memoranda: | ||
| Average total assets | $153,297,000 | 3,943 |
| Average earning assets | $142,850,670 | 3,880 |
| Average equity | $13,976,670 | 4,310 |
| Average total loans | $98,800,330 | 4,046 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1126% | 284 |
| Cost of funding earning assets | 2.4985% | 1,922 |
| Net interest margin | 4.6141% | 918 |
| Noninterest income to average assets | 0.6038% | 3,520 |
| Noninterest expense to average assets | 2.7379% | 4,837 |
| Loan and lease loss provision to assets | 0.3150% | 3,449 |
| Net operating income to assets | 1.8848% | 448 |
| Return on assets (ROA) | 1.8848% | 498 |
| Pretax return on assets | 1.8848% | 830 |
| Return on Equity (ROE) | 20.6686% | 381 |
| Retained earnings to average equity (ytd only) | 6.8224% | 2,278 |
| Net charge-offs to loans | 0.3929% | 2,523 |
| Credit loss provision to net charge-offs | 123.7113% | 3,207 |
| Earnings coverage of net charge-offs (x) | 8.6392% | 2,161 |
| Efficiency ratio | 55.4492% | 7,041 |
| Assets per employee ($millions) | 5.0893% | 1,975 |
| Cash dividends to net income (ytd only)* | 66.9916% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8501% | 6,967 |
| Loan loss allowance to noncurrent loans | 40.4931% | 5,843 |
| Noncurrent assets plus other real estate owned to assets | 1.6774% | 3,411 |
| Noncurrent loans to loans | 2.0995% | 3,117 |
| Net loans and leases to total assets | 65.2349% | 4,756 |
| Net loans and leases to deposits | 72.0267% | 5,744 |
| Net loans and leases to core deposits | 110.2245% | 3,403 |
| Total domestic deposits to total assets | 90.5704% | 564 |
| Equity capital to assets | 9.1781% | 5,113 |
| Core capital (leverage) ratio | 9.1761% | 4,440 |
| Tier 1 risk-based capital ratio | 14.0266% | 3,573 |
| Total risk-based capital ratio | 14.9070% | 3,680 |
| Memoranda: | ||
| Average total assets | $152,380,500 | 3,972 |
| Average earning assets | $143,127,000 | 3,894 |
| Average equity | $13,895,500 | 4,356 |
| Average total loans | $98,755,500 | 4,073 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5216% | 399 |
| Cost of funding earning assets | 2.7062% | 3,134 |
| Net interest margin | 4.8154% | 758 |
| Noninterest income to average assets | 0.7227% | 2,963 |
| Noninterest expense to average assets | 3.0167% | 4,029 |
| Loan and lease loss provision to assets | 0.1909% | 4,975 |
| Net operating income to assets | 2.0415% | 320 |
| Return on assets (ROA) | 2.0415% | 304 |
| Pretax return on assets | 2.0415% | 545 |
| Return on Equity (ROE) | 23.1021% | 206 |
| Retained earnings to average equity (ytd only) | 8.7163% | 651 |
| Net charge-offs to loans | 0.3606% | 3,033 |
| Credit loss provision to net charge-offs | 84.0708% | 5,803 |
| Earnings coverage of net charge-offs (x) | 9.8319% | 2,625 |
| Efficiency ratio | 57.4710% | 6,786 |
| Assets per employee ($millions) | 5.0694% | 1,880 |
| Cash dividends to net income (ytd only)* | 62.2703% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8634% | 6,836 |
| Loan loss allowance to noncurrent loans | 103.9702% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 0.7082% | 5,107 |
| Noncurrent loans to loans | 0.8304% | 4,975 |
| Net loans and leases to total assets | 63.2678% | 5,408 |
| Net loans and leases to deposits | 69.7795% | 6,295 |
| Net loans and leases to core deposits | 107.8144% | 3,987 |
| Total domestic deposits to total assets | 90.6682% | 438 |
| Equity capital to assets | 9.0596% | 5,286 |
| Core capital (leverage) ratio | 9.0813% | 4,628 |
| Tier 1 risk-based capital ratio | 13.9992% | 3,550 |
| Total risk-based capital ratio | 14.8484% | 3,671 |
| Memoranda: | ||
| Average total assets | $149,303,600 | 3,912 |
| Average earning assets | $140,342,800 | 3,840 |
| Average equity | $13,193,600 | 4,523 |
| Average total loans | $94,008,600 | 4,108 |